(A) Multiple levels of share insurance The Board shall establish multiple levels of standard maximum share insurance amounts that are applicable to commercial deposits and are above the amount defined under paragraph (6). (B) Election An insured credit union may elect to apply a standard maximum share insurance amount established under subparagraph (A) to the commercial deposits instead of the amount defined under paragraph (6). (C) Fund premium charges The Board shall set the premium charge rate applicable to an insured credit union making an election under subparagraph (B) at such higher rate as is necessary to reflect the increased risk to the Fund from the failure of an insured credit union with a higher standard maximum share insurance amount. (D) Rulemaking The Board shall issue such rules as may be necessary to carry out this paragraph. (E) Commercial deposits defined In this paragraph, the term commercial deposits means any deposits other than deposits of an individual (unless the individual is operating in the capacity of a sole proprietorship). .