; and (2) maintaining a discount line of credit account with the Board of Governors of the Federal Reserve System. (e) Deposits Once chartered as a national bank, the Bank shall accept deposits from individuals, corporations, or public entities, into transaction deposit accounts on its books, and pay interest on those deposits, in an amount deemed appropriate by the Board. (f) Loans (1) In general The Bank shall provide loans, in accordance with this Act, to entities, or enter into blended financing credit, for the financing, development, or operation of infrastructure projects. (2) Loan maturity The maturity of loans should match, to the extent possible, the maturity periods of anticipated profitability, economic stimulus, and projected useful life of projects financed by such loans. (3) Loan limit Total loans contracted by the Bank shall not exceed $4,000,000,000,000. (4) Capital adequacy ratio The Bank shall maintain a total capital to loan adequacy ratio of no less than 12.5 percent. (5) Interest charges on loans and other fees The Bank— (A) shall charge fixed-rate-interest, fees, premiums, or discounts based on the risk associated with a loan made by the Bank, taking into consideration— (i) the price of Treasury obligations of a similar maturity or 2 percent per annum, whichever is greater; (ii) the credit rating of the borrowing entity if expressly published, or an assessment of the overall finances of the borrowing entity indicating an ability to service the loan; and (iii) whether or not the borrowing entity qualifies as a disadvantaged community, and an interest rate subsidy, subject to availability of funds; (B) may, in connection with a loan extended by the Bank, issue guarantees, insurance, coinsurance, and reinsurance to borrowing entities, insurance companies, financial institutions, or others, or groups thereof, and charge fees based on a similar risk analysis