Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Transaction limitations: Transfers from a Gulf Stream Personal Money Market account to another account or to third parties by preauthorized, automatic, or telephone (including Internet Banking or data transmission) transfer are limited to six per statement cycle with no more than three of the six by check, draft, or similar order to third parties and with no transfers by POS, computer, or similar order to third parties. In addition, accounts violating Reg D transaction limitations more often than 3 times in a 12-month period are subject to reclassification as a non-interest bearing account or closure. Fees: Each withdrawal in excess of the six allowable per statement cycle will incur a fee of $10.00 (does not include electronic funds transfers).