Classic, preferred and imperia are programmes and not account variants. So with all these programmes we’ll have base account variant. It can be any type of savings account like Regular, Senior citizen, savings max etc. Initially my account variant was Regular. I then upgraded it to Savings max + Classic Programme. Had I not upgraded my account to Savings max, in case I don’t maintain balance required for classic programme, I end up with regular savings account. For which everything is charged. He meant account Variant upgrade from regular to savings max.