Answer the complete sentences. tom has been a customer of the same bank for two years and his income can change from month to month. after paying bills tome places $250 a month in a two year cd. he notices that last year twice he withdrew $250 from his cd early to pay monthly bills. his bank requires minimums of $50 for regular savings account, $750 for money market and $1,000 for cd. what would be the best strategy he could uses to eliminate his penalties?