Barry wants to open a checking account. He wants online services, and a debit card. He is looking at the following tables of fees from his employer's credit union, EECU, and a local bank, E-town Bank: A 4-column table with 5 rows. Column 1 is labeled E E C U with entries monthly fee, non-sufficient funds fee, second copy of statement, network A T M usage, online services and debit cards. Column 2 is labeled Fee Table with entries 0 dollars, 28 dollars, 2 dollars, 2 transactions per month free after that 2 dollars each, free. Column 3 is labeled E-town Bank with entries monthly fee, non-sufficient funds fee, replacement statement copy, Network A T M usages, online services and debit cards. Column 4 is labeled Brief schedule of common fees with entries 2 dollars and 50 cents, 30 dollars, 5 dollars, 2 dollars each, free. Based upon past experience, Barry expects no overdrafts. He expects no 2nd copies of statements. Barry estimates that he will use network ATMs about 5 times a month with either bank. Barry decides in the end to choose EECU. Assuming that both banks provide the necessary services equally well, and based upon the tables of fees given above, how much can Barry reasonably expect to save annually by choosing EECU in this case over E-town bank? a. $72 b. $78 c. $144 d. $24