1.  FEDERAL REGULATION  "D"          Updated 7/10/07 Did you know that if you do more than 6 transactions by electronic means per month from your savings account, you are in violation of federal Regulation D? Please review the transactions you do from your savings account.  All financial institutions are required by federal law to limit the number of transactions done from savings accounts through online banking, audio response, pre-authorized debits, or overdraft transfers.  This does not include ATM transactions, any transactions done in person, or those done from other accounts such as checking. Please be advised that starting October 15, 2007, IRCO must comply with this regulation.  Transactions of this kind that exceed 6 in a month will automatically be rejected and applicable fees will apply.