Real estate brokers can receive the maximum full brokerage commission of four percent (4%) for the first five years of a firm term, two per cent (2%) for the second firm five-year term and one per cent (1 %) of firm terms longer than 10 years. The method of payment of the brokerage fees is determined by the credit-worthiness of each new business, based on financial information required for initial review by DRC. Brokerage fees are payable on an "as earned" or on an "up front" basis. Fees for marginal credit deals will be paid on an "as earned" basis. Fee policy for renewal terms that are coordinated by brokers is to include a two per cent (2%) for the first renewal term, a one per cent (1 %) for the second renewal term and a one-half per cent (1/2 %) for subsequent renewals.