Imposition of charges

3.  A deposit-taker may impose a charge upon an account holder in respect of administrative costs only where—

(a) there is an agreement between it and the account holder (or, as the case may be, account holders), which provides that the deposit-taker may charge a fee in respect of those costs,

(b) the deposit taker—

(i) has made the final payment required by paragraph 13(11)(b)(ii), and

(ii) has not previously imposed a charge in respect of those costs, and

(c) the amount of the charge imposed does not exceed the amount specified in regulation 4.