You may make six (6) transfers from your account every four (4) weeks or a similar period if they are made by pre-authorized or automatic transfer or by agreement, order or instruction by telephone (including data transfer) or by check, draft, debit card or similar order (including POS transactions made by the depositor and payable to third parties). (b) Market-based interest savings. You may make six (6) transfers from your account every four (4) weeks or a similar period if they are made by pre-authorized or automatic transfer or by agreement, order or instruction by telephone (including data transfer) or by check, draft, debit card or similar order (including POS transactions made by the depositor and payable to third parties). 2. New services may be introduced for online services from time to time. Citizens Bank will make these new services available online. By using these services as soon as they become available, you agree to be bound by the rules provided to you online with respect to these services. Before entering into a commercial loan agreement, the “borrower” first makes statements about his business regarding his character, solvency, cash flow and any collateral he may be able to pledge as collateral for a loan. These representations are taken into account and the lender then determines under what conditions (conditions), if any, he is ready to advance the money. The biggest risks associated with bank deposit agreements are interest rate risk and liquidity risk. If interest rates fall, there may be more investments in bank deposits than the bank can invest profitably.