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Federal regulations restrict preauthorized fund transfers on money market investment accounts and savings accounts. You are not permitted to make more than six (6) preauthorized transfers per statement period. Preauthorized transfers include transfers to third parties by preauthorized means, automated transfers or telephonic transfers between your IronStone Bank accounts (unless the transfer is for the purpose of repaying a loan). No more than three (3) of the six (6) preauthorized transfers may be made by check, draft, debit card, or similar order payable to a third party. There is an additional charge for excessive transfers or withdrawals. You may make unlimited withdrawals or transfers in person, by mail, and through an ATM. Continued excessive preauthorized transactions will result in the money market investment account or savings account being closed or converted to a checking account.