Transaction Limits: You may make an unlimited number of withdrawals or transfers from your savings account so long as they are done in person at one of our ATMs or branch locations. However, federal regulations limit your ability to make certain types of withdrawals and transfers from these accounts. Under these regulations any transfers or transactions from your savings account to another of your accounts with us or to third parties by preauthorized or automatic means, personal computer (including online banking or bill payment services) or telephone (including facsimile or data transmission) are considered “Limited Transactions.” You are limited to a total of six (6) Limited Transactions from your savings account per statement cycle period. If you exceed your Limited Transaction limit on your Free Savings Account we may assess you an Excess Transaction Fee for each Limited Transaction over the limit. Additionally, if you exceed your Limited Transaction limit on a regular basis, we may close your money market or savings account, or change this type of account to a different deposit account you are eligible to maintain.