Possible target price of $15-20, page-673

Hi guys, I am a holder of Z1P and have been for a while as well as a user of the service itself. Just thought I would share something I have found that my partner showed me and I had a little research into.
I was under the impression that the Zip Pay account was completely interest free as advertised and I suppose it's my bad for not reading the fine print but this is only technically true. If you have any outstanding balance at the end of a month there is a flat $6 fee for keeping the account open and an additional $5 if a minimum of $40 was not paid in that month. The $40 minimum payment I can understand but I can't help but feel as customers, my partner and I were kept in the dark about the $6 flat fee.
Again it's likely just due to my own ignorance when using the service but i feel the interest-free advertising offered by Zip feels a tad misleading, as I haven't seen anyone talking about this. I'm still a holder and will continue to hold long term just thought I would bring this to the attention of people in the same boat.