Common use of Additional Limitations for Money Market Accounts and Certificates Clause in Contracts

Additional Limitations for Money Market Accounts and Certificates. a) Money Market Accounts are limited to six transfers and withdrawals, or a combination of such transfers and withdrawals from such Accounts, per calendar month to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer, telephone transfer, order, or instruction (including transfers by personal computer or other data transmission). Withdrawals by mail, messenger, ATM, or in person, and transfers to make payments on your loans with us are not included in this limitation. However, HAL telephonic transfers and Online Banking transfers from your Money Market Accounts are included in this limitation. Withdrawals or transfers that exceed the maximum number permitted may be declined or subject to fees. b) Certificate accounts, accounts that the depositor does not have a right and is not permitted to make withdrawals from within six days after the date of deposit, are subject to an early withdrawal penalty. Please refer to the Certificate Account disclosures for more information. Transaction limits as well as corresponding fees and penalties are enforced and charged, respectively, at our discretion, which means we may make exceptions. However, in the event we waive transaction limits, fees or penalties, we do not waive the right to enforce the limitation or charge the fee or penalty for future transactions.