; (10) to set interest rates and fees for the financial instruments and products provided by the Postal Service that— (A) ensures that the customer access to the products and the public interest is given significant consideration; (B) ensures that interest rates on savings accounts are at least 100 percent of the Federal Deposit Insurance Corporation’s weekly national rate on non-jumbo savings accounts; and (C) ensures that the total interest rates on small-dollar loan amounts— (i) are inclusive of interest, fees, charges, and ancillary products and services; and (ii) do not exceed 101 percent of the Treasury 1 month constant maturity rate; and (11) allow capitalization of an amount deemed necessary by the Postmaster General that serve the purpose of this section, through an account separate from products not included or allowed in this section, for the purposes of enacting the provisions of this section. ; and (2) by adding at the end the following: (f) Any net profits from services provided under this section that are not greater than the amount of initial capitalization— (1) shall be reported separately from mail service and delivery; (2) in the case of any amount appropriated, shall be returned to the general fund of the Treasury not later than 9 years after the date of enactment of this subsection