This is a practice problem from my math lesson and I’m stuck on simplifying it. It shows the answer but I cannot figure out the steps. Please help And please show work so I know how to figure it out please :)

Jack is considering a list of features and fees for current bank: jack plans on using network atms about 4 times per month. what would be jack’s total estimated annual fees for a checking account with direct paycheck deposit, one overdraft per year, and no 2nd copies of statements? a. $44 b. $104 c. $144 d. $176