4. The monthly Bank Plan fee (excluding the Blue Rewards Plan and Practical Plan) can be eliminated by maintaining the minimum daily balance indicated at all times throughout the calendar month in a Primary Chequing account, which has been designated as the lead account for your Bank Plan. The lead account is the one you designate to pay any fees required by your Bank Plan for example, your monthly Plan fees and transaction fees. You are responsible for all transactions, services and product fees not included in the Bank Plan.