Now that you've written the opening and provided context for your persuasive message, it's time to support your proposal. In this section, you should justify recommendations with persuasive rationale, describe alternative solutions and the negative implications of those solutions, address potential objections, and stress the benefits of your proposal. Of the following options, which would best provide context for your proposal? Select an option from the choices below and click Submit.

I would also like to point out that some customers of other banks have filed bank overdraft fee lawsuits, claiming that the banks used deceptive practices related to excessive overdraft fees.

Many banks are beginning to revise overdraft policies to better satisfy their customers. For example, a number of banks have started to introduce tiered overdraft fees so that small overdrafts would incur smaller fees and customers would only incur the largest fee if the overdraft was above a certain pre-established amount.

Research on this issue was conducted by BAI, a nonprofit, independent organization that collaborates with financial services leaders around the world. This research indicates that financial institutions offering accounts with no overdraft fees and tiered overdraft fees have attracted hundreds of thousands of customers from banks that do not have flexibility and/or creativity in assessing overdraft fees.

In support of this proposal, I wish to point out that overdraft fees often hit low-income or middle-income customers the hardest, because customers with lower balances in their accounts are more likely to overdraw their accounts by forgetting to record a transaction or making a math error in their checkbooks. This is not the case with higher-income customers, who typically carry larger balances in their accounts and generally do not have overdrafts, even if they forget to record a transaction or make a math error.

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