You are tasked with developing a mobile banking application that includes the following features:

External Inputs $($Els$)$: $8$

Examples: user authentication, funds transfer, bill payment

External Outputs $($EOs$)$: $4$

Examples: transaction receipts, account statements

User Inquiries $($Uls$)$: $5$

Examples: checking account balance, viewing transaction history

Complexity Weights:

External Inputs:

Low Complexity: $4$ points

Average Complexity: $6$ points

High Complexity: $8$ points

External Outputs:

Low Complexity: $5$ points

Average Complexity: $7$ points

High Complexity: $10$ points

User Inquiries:

Low Complexity: $3$ points

Average Complexity: $5$ points

High Complexity: $7$ points

Complexity Levels:

$4$ external inputs are classified as high complexity.

$4$ external inputs are classified as average complexity.

$2$ external outputs are classified as high complexity.

$2$ external outputs are classified as average complexity.

All user inquiries are classified as average complexity.

Determine the function points for the banking application.