At some point in time there may be a need for you to request for a loan or an overdraft from a bank. You may need to finance a purchase of goods for supplies, buy a car, pay for rent, finance a mortgage, fund a business etc. All of these require some fund of debt financing. When you obtain a loan from a bank it is common that you get amongst others, terms and conditions such as ‘Tenor”, ‘Security”, ‘Interest Rate”, “Fees” and “Other Conditions”. Some of us are so in a hurry to draw down on the loans we just sign up the offer letter containing the terms and conditions without even reading the fine prints. Subsequently, we cry foul when the banks start to hit our accounts with all sorts of obnoxious charges. So, just what should a bank charge you?