1. Important Notice: Federal regulations limit certain types of transfers from a money market or saving account to a combined maximum of six per month. If transfers exceed this limit more than occasionally, we will convert the account to a type not subject to transfer limits or close the account. A fee is assessed for each excess transfer paid against the account. A $10 fee is assessed for each excess transfer paid against the account. Unlimited lobby and ATM withdrawals are permitted. See our Deposit Account agreement and Disclosures for details.