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At the starting of the next month, funds on deposit in the TA will be transferred to the MMDA, minus any threshold quantity to be maintained in the TA. The limits on MMDA transfers will not limit the number of withdrawals you can make from funds on deposit at a System Bank or the amount of FDIC insurance coverage for which you are eligible. You agree that Bank, in its sole discretion, may perhaps divide the funds deposited into your Dave Spending Account into 1 or extra separate Sub-Deposit Account to be managed by Bank. Please very carefully read the section entitled "Waiver of Conflicts" under.