Webb Bank has a composite Capital Adequacy, Asset Quality, Management, Earning, Liquidity, and Sensitivity ( Camels) rating of 2, a total risk based capital ratio of 10.2 percent, a Tier 1 risk based capital ratio of 6.2 percent, a CETI leverage ratio of 5.0 percent, and a Tier I leverage ratio of 4.8 percent. What deposit insurance risk category does the bank fall into, and assuming the DIF reserve ratio is currently 1.20 percent, what is the bank's deposit insurance assessment rate?