Please help with this question !!

Jack is considering a list of features and fees for denver 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?

Can someone me i’m confused. will give brainliest and a whole bunch of points

Is a positive integer raised to a negative power always positive