Clarice decides to move her accounts to Local Bank. A representative tells her that the bank normally charges $3 for ATM withdrawals, a $10 general monthly service charge, $.50 every time a customer checks her balance online, and $15 for electronic bill payments. However, these charges are waived for customers who maintain a $2,000 minimum balance. If Clarice maintains the minimum balance, must she include the value of these services in her gross income?