Prevent Identity Theft by jennyyingdi



                                                                                                                                        SUMMER NEWSLETTER 2011

                                                                             Prevent Identity Theft
                                                                             You think you’re careful about protecting your identity. You shred your bills,
                                                                             you don’t respond to suspicious emails, and you never give any financial
                                                                             information to anyone on the phone. One night you have dinner while
                                                                             traveling and by breakfast the next morning your credit card information is
                                                                             being used to make online purchases. You’ve just become a victim of identity
                                                                             theft, likely at the hands of a restaurant employee.
                  PROTECT	YOUR	IDENTITY	                                     According to Javelin Research and Strategy, 10% of US consumers have
                  WITH	ITAC	SENTINEl®                                        been victimized. Further, the Identity Theft Resource Center reports that it
                                                                             takes the average victim 30 hours to repair the damage and can cost about
                  ITAC programs provide some of the most
                                                                             $500 out of the victim’s pocket.
                  powerful, and effective credit monitoring tools and
                  reports to protect you from identity theft. Three          At Hudson Heritage, we take identity theft very seriously. Your identity is
                  levels of service are available ranging in price from      yours alone and you can help keep it that way by following these steps:
                  $8.99/month - $15.99/month. Depending on the
                  level of protection you purchase you may receive:          •		Never	provide	personal	financial	information,	by		phone	or	Internet,	if you did not
                                                                                initiate the contact.
                  •	   Your	credit	report	&	credit	score
                  •	   Ongoing	credit	monitoring	and	alerts                  •		Never	click	on	a	link	in	an	e-mail	you	think	is	fraudulent.	The link may steal
                  •	   Quarterly	credit	updates                                 your personal information, and may contain a computer virus.
                  •	   Access	to	online	Credit	Analyzer	to	calculate	
                  	    how	certain	financial	decisions	might	affect	credit   •		Don’t	be	intimidated	by	an	e-mail	or	caller	suggesting dire consequences
                  •	   Internet	monitoring	for	registered	credit	cards,	        if you fail to provide or verify financial information.
                  	    account	numbers,	and	SSN	with	alerts
                                                                             •		If	you’re	unsure	whether	a	contact	is	legitimate,	go to the company’s website
                  •	   Comprehensive	public	record	report
                                                                                and type in its address instead of using a link in the e-mail.
                  •	   Public	records	monitoring	and	alerts
                  •	   Identity	Theft	insurance	ranging	from	                •		Report	suspicious	e-mails	or	calls	to	the	Federal	Trade	Commission	at
                  	    $2,500	to	$20,000
                                                                      , or call 1-877-IDTHEFT
                  •	   ITAC	(Identity	Theft	Assistance	Center)	
                  	    Victim	Assistance

                  Only ITAC Sentinel® includes ITAC victim assistance        •		If	you	fall	victim	to	identity	theft,	act	fast.		Alert Hudson Heritage immediately.
                  where trained ITAC agents guide you through the               Place fraud alerts on your credit files. Monitor your credit files and account
                  steps to restore your credit profile. In the event            statements closely. Enrolling in ITAC Sentinel’s® credit monitoring programs
                  you become a victim, ITAC provides identity theft             will offer you protection and peace of mind.
                  insurance that reimburses certain expenses.

                  To	get	protected,	enroll	online	NOW	at

                                                   HoW To REacH US: 845.561.5607 |
Community news
                                                                                                       FINANCIAl	MAKEOVER
                                                                                                       Do your fiNaNcES NEED a facE lift?

                                                                                                       It’s easy to get overwhelmed with money management
                                                                                                       and the paperwork that goes with it. Here are 3 simple
                                                                                                       steps you can take to gain focus on your spending.

                                                                                                       1.	ORgANIzE.		Paperwork piled high? Sort your reports
                                                                                                       and receipts to file, shred or deduct.

                                                                                                       2.	 PUT	 YOUR	 WAllET	 ON	 A	 DIET.	 	 Lose credit cards
                                                                                                       you’ve had for less than five years. It takes away
                                                                                                       temptation to overspend and it won’t hurt your
                                                                                                       credit score.

                                                                                                       3.	SEll,	SEll,	SEll.		You’d be surprised how much you
                                                                                                       can get for gadgets, books or even clothes you don’t
                                                                                                       use anymore. Use the funds to start a new account
                                                                                                       or save for a vacation.

                                                                                                       FOR	MORE	HElPFUl	HINTS	VISIT	THE	RESOURCE	CENTER	
from left to right: Kelly chadwick, Katherine Quinn, Mary Hartford and ray litchfield, HHfcu EVP/coo   OF	OUR	WEbSITE:	WWW.HHFCU.ORg

Three Local Students
Earn Scholarships
Congratulations to Kelly Chadwick, Katherine Quinn, and Mary Hartford, three
graduating seniors who embody HHFCU’s “people helping people” philosophy.

As a member of the National Honor Society, a High Honor Roll student, and a
                                                                                                       SHRED-IT®	DAY:		
peer tutor, Kelly	Chadwick has proven herself a model student. Kelly is active in                      AUgUST	20,	2011	•	9AM	-	2PM
school clubs and sports, serving as the captain of Minisink Valley’s Varsity Volleyball
                                                                                                       MiDDlEtoWN & NEWBurGH locatioNS
team. She demonstrates a commitment to her community, volunteering in nursing
homes, penny socials, the CROP walk, and local pancake breakfasts. Somewhere                           Here’s one sure way to prevent thieves from
in between it all, she finds time to gain real-world experience as an intern for an                    stealing your identity. Gather your identity-sensitive
environmental engineering firm. Kelly will be attending Marywood University this                       documents and a trained Shred-it professional will
fall, majoring in Elementary Education/Math-English.                                                   quickly and accurately shred your
                                                                                                       papers in a secured
Katherine	Quinn is a Washingtonville High School senior who has demonstrated                           environment in an
excellent academic performance and involvement in her school and community.                            on-site truck.
Katherine is a star athlete who plays on the varsity soccer team and runs spring
track. She received a NYS Scholar Athlete award. Katherine helped host the
Washingtonville Senior Citizen Prom, serves as a peer tutor, and volunteers much
of her time working with children at local camps and elementary schools. She will
be attending Quinnipiac University this coming fall as a Nursing student.
                                                                                                       Shredding service is performed
Washingtonville High School senior Mary	Hartford will be joining Ithaca College                        by a third party not affiliated
                                                                                                       with Hudson Heritage Federal
this fall in the Physical Therapy program. She plays varsity lacrosse and cross-                       Credit Union. Use this free ser-
country track. Mary is a member of the Future Business Leaders of America                              vice at your own risk. Please
                                                                                                       take care when you decide
and she is highly regarded for her leadership and business achievements. Mary                          what you need shredded.
                                                                                                       Hudson Heritage Federal Credit
has demonstrated her passion for learning as a member of the National Honor                            Union is not responsible for any
                                                                                                       documents that are shredded
Society and the Math and Science Honor Societies. We are certain that her                              or left at our branches.
pursuits for excellence in education will continue in the years to come.
1st row from left to right: cyndi yanosh, fSr; toni tierney, Sc Mgr; 2nd row from left to right: lyda o’Shea, acct cdtr;
tina Settembrino, Dir Mbr outreach; Nelly Guthrie, aVP Emp relations; Bryanna levine, Brch Supervisor; 3rd row from left to
right: James Mickler, asst controller; ray litchfield, EVP/coo; anthony Kurdziel, VP lending; Michael ciriello, President/cEo

Hudson Heritage and Junior Achievement
Mentor Students in Financial Literacy
and Work Readiness
Employees from Hudson Heritage Federal Credit Union teamed up with Junior
Achievement (JA) of the Hudson Valley this spring to teach fifth grade students
at Mechanicstown Elementary School the basics of business and economics to
prepare them for successful futures.

JA’s work readiness, entrepreneurship and financial literacy program brought
mentors into the classroom with engaging, hands-on activities to help inspire
students to achieve more in life.

Hudson Heritage Service Center Manager Toni Tierney said, “The volunteers at
Hudson Heritage are proud and honored to be part of the Junior Achievement
organization where we are able to mentor and enjoy the inspiring youth of today.”
                                                                                                                                COMMUNITY	blOOD	DRIVE
“For our first lesson student entrepreneurs created products or services for
                                                                                                                                tHE NEED iS coNStaNt.
specific businesses. It was wonderful to see how creative the students were,”
said Bryanna Levine, Branch Supervisor at Hudson Heritage.                                                                      tHE GratificatioN iS iNStaNt™
Hudson Heritage will deliver the program to over 120 students, with close to 500                                                AUGUST 10, 2011 • 10:00AM - 3:00PM
students participating in the Junior Achievement program at Mechanicstown.
                                                                                                                                ryKoWSKi laNE BraNcH
Volunteers bring their banking experience to motivate students to envision a
successful future and to encourage entrepreneurial thinking. By connecting
                                                                                                                                Someone in America needs blood every two seconds.
what they learn in the classroom to future goals, students see the relevance in
                                                                                                                                When you donate just one pint of your blood, it can save
education, and how it will help them make smart decisions for their futures, and
                                                                                                                                up to three lives.
to learn the steps to succeed in life.

Lyda O’Shea, Accounting Coordinator at Hudson Heritage acknowledged the                                                         Giving blood takes just one hour of your time and your
attentive and inquisitive nature of her fifth grade class. “This experience                                                     contribution helps ensure a healthy and reliable blood
                                                                                                                                supply. And you’ll feel good knowing you’ve helped
is inspiring to me and the students and it validates the importance of
                                                                                                                                change a life. Healthy adults who are at least 17 years
understanding business and economics in life,” she said.
                                                                                                                                old, and at least 110 pounds may donate about a pint
The Junior Achievement program has operated at Mechanicstown Elementary                                                         of blood.
School for over 15 years, and demonstrates the innovative learning environment
the school’s administration encourages.                                                                                         To	make	an	appointment	or	for	more	information	
                                                                                                                                call	845.561.5607.
For	more	information	about	Junior	Achievement	programs,	
please	visit	
The Key to Savings:
Auto & Home
The key to great savings fits both your auto and
INSURANCE	 program is made available to you by
Hudson Heritage Federal Credit Union.

This program could help you save money all year.
When you call, an agent will ask questions about
your situation, then apply the discounts that you
qualify for. On average, credit union members
save up to $329.07* a year!

Combine auto and home coverage to save even
more. Plus, both auto and home insurance
programs provide dependable 24/7 claims
service that you deserve.
For	a	free,	no	pressure	quote,	call	toll-free	1.888.380.9287	
or	visit	us	at

Mon.–Fri.,	7am–1am;	Sat.	7am–11:30pm;	
Sun.	9am–10pm	ET
Mc2503ar-1110 coverage made available by cuNa Mutual insurance agency, inc. and underwritten by leading insurance companies. to the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in
all states and discounts vary by state. a consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. the insurance offered is not a deposit and is not federally insured
or guaranteed by your credit union. *figure based on a february 2010 national sample of auto policyholder savings when comparing their former premium with those of the MEMBErS auto and Home insurance program. individual premiums and savings will vary
depending on your insurance carrier and coverages and limits purchased.

                                                                                                                                                                   Introduce a Friend to the
                                                                                                                                                                   Better Savings
                                                                                                                                                                   and Lower Loan Rates
                                                                                                                                                                   at Hudson Heritage!

                                                                                                                                                                   When your friend joins you’ll both receive
                                                                                                                                                                   $10 PlUS... a chance to

                                                                                                                                                                   WIN	$250
                                                                                                                                                                   EacH in American Express® Gift Cards!

                                                                                                                                          ten (10) dollar award may be subject to 1099 irS reporting. No purchase necessary to enter or win drawing. Void where
                                                                                                                                          prohibited by law. contest open to all Hudson Heritage federal credit union members age 18 or older. contest period: 4/1/10
                                                                                                                                          through 11/1/10. See complete official rules in our branches or online at Hudson Heritage federal credit union
                                                                                                                                          and american Express are not affiliated with, or endorsed by, each other. american Express is not a participant in this contest.
                                                                                         GivinG Credit
Better Financing Rates
                                                                                                                                                  Did you know you can borrow against the equity in your home
                                                                                                                                                  for home improvement projects, vacations and more? It may
                                                                                                                                                  be tempting to finance it on a credit card, but most bank credit
than Credit Cards!                                                                                                                                cards carry double digit interest rates. Here’s a better way:

                                                                                                                                                  HOME	EQUITY	lINE	OF	CREDIT	

                                                                                                                                                  ratES aS loW aS

                                                                                                                                                                                                                                             APR                       1.

                                                                                                                                                  for firSt 6 Mo. tHEN aS loW aS 4.00%aPr
                                                                                                                                                  zERO	ClOSINg	COSTS,2.
                                                                                                                                                  zERO	POINTS	OR	APPlICATION	FEE!
                                                                                                                                                  FIXED	HOME	EQUITY	lOANS	AlSO	AVAIlAblE

                                    If you need a loan we’re standing by. We’ll walk you through the loan application, or you can apply online
                                    and have a representative call you at your convenience. You may even be eligible for instant approval.

auto loaN ratES aS loW aS

2.50 %
                                                                                          •	UP	TO	1%	OFF	APPROVED	RATE4.
                                                                                          •	PlUS	1%	REbATE	UP	TO	$1505.
                                                                                          •	60	DAY	DEFERMENT	ON	YOUR			
                                                                APR3.                     			1ST	PAYMENT

                                                                                                                                                                                      VACATION	lOAN	SPECIAl!	

                                                                                                                                                                                      ratES aS loW aS

                                                                                                                                                                                           %                                                          APR6.
                                                                                                                                                                                      •	MAXIMUM	lOAN	AMOUNT	$2,500
                                                                                                                                                                                      •	TERMS	UP	TO	24	MONTHS
1. aPr is annual percentage rate. all extensions of credit are subject to credit approval. rates shown are lowest rates offered for the loan products advertised. applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or with
different terms. this is a limited time offer which can be withdrawn at any time. all terms are subject to change without notice. for variable rate loans, the aPr may be increased after consummation. there are certain draw down, balance requirements, and loan to value
restrictions which may apply. offer not valid on existing HHfcu real estate lines of credit or loans. 2. Home Equity lines closed out prior to their three-year anniversary date will be subject to the addition of all waived closing costs to the payoff balance. contact a credit union
employee for further details. appraisal required for loans with 80% ltV and higher. appraisal costs, if required, are paid by the borrower and will be reimbursed when the loan is funded.
3. aPr=annual Percentage rate. rates as low as 2.50% aPr with 24 month term and 80% ltV. as an example: a 24 month loan with a fixed rate of 2.50% at 80% ltV would result in a payment of $42.86 for each $1000 financed. actual rate may vary based on credit
worthiness and down payment. 100% financing is also available for qualified borrowers. all rates quoted include a 1.00% reduction for members who pay their loans through automatic transfer from a share or share draft account. all extensions of credit are subject to credit
approval. rates shown are lowest offered for the loan products advertised. applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or with different terms. all terms are subject to change without notice. 4. other terms available,
maximum term is 60 months. 5. rebate will be 1% of the HHfcu auto loan amount and is subject to a $150 limit. rebate will be given to the member in the form of a check or deposit into member’s HHfcu savings or checking account after the auto loan is booked. auto
loans paid off and closed prior to eighteen months will be subject to the addition of the cash rebate amount added to the payoff balance. all extensions of credit are subject to credit approval. offer may be withdrawn at anytime without notice.
6. aPr=annual Percentage rate. rates as low as 6.99% aPr with 24 month term. actual rate may vary based on credit worthiness. all rates quoted include a 1.00% reduction for members who pay their loans through automatic transfer from a share or share draft
account. all extensions of credit are subject to credit approval. rates shown are lowest offered for the loan products advertised. applicants that are not approved for these loan rates or terms, may be offered credit at a higher rate and/or with different terms. all terms
are subject to change without notice. limited time offer, could end at anytime.                                                                                                                                                                        EQUAl	HOUSINg	lENDER
                                                                                              YOUR	MONEY:	FREE	&	EASY	
                                                                                                        The CO-OP Network gives you
                                                                                                        SURCHARGE-FREE access to 28,000
                                                                                                        ATMs throughout the US and Canada.
                                                                                              Find one wherever you are:
                                                                                              •	 ONlINE: click to
                                                                                              •	 bY	PHONE: text your address, intersection or
                                                                                                 zip code to 692667 (MYCOOP)
                                                                                                 *Standard text messaging rates may apply through your provider)

Personalized Banking:                                                                         • iPhone: download the FREE CO-OP ATM
                                                                                                iPhone app from the iTUNES store.

It’s Our Promise                                                                              • gPS: Download the database to your
                                                                                                Garmin®, Tom Tom® or other GPS
Whenever you do business with us our positive, can-do attitude and                              device here at
commitment to professional excellence shines. We’ll greet you with a warm,                    Note: Surcharges should not occur when withdrawals are made through the co-oP
                                                                                              Network. However, some atM machines may indicate a fee notice on the screen when
friendly smile and treat you with the utmost respect. With each interaction,                  your transaction is being processed. to verify a surcharge was not charged, please
                                                                                              check your receipt. the receipt will show any surcharge as it will be added to the total
we’ll leave no doubt in your mind that our team at Hudson Heritage is highly                  withdrawal amount. Please contact us immediately if a surcharge does occur.
service driven.

                               Branch Locations, Hours & ATMs
Paul Zalanowski                Newburgh                                                      MIDDLetOwN
Vice-Chairperson               2 Corwin Court                                                25 rykowski Lane
Thomas Houston                                        LObbY              DrIVe-uP            MoNDay - WEDNESDay                  9:00aM - 5:00PM
                               MoNDay - WEDNESDay     9:00aM - 5:00PM    8:30aM - 5:00PM     tHurSDay - friDay                   9:00aM - 6:00PM
Treasurer                      tHurSDay - friDay      9:00aM - 6:00PM    8:30aM - 6:00PM     SaturDay                            8:30aM - 2:00PM
Virginia Wilson                SaturDay               8:30aM - 2:00PM    8:30aM - 2:00PM     24 HoUR aTMs
                               24 HoUR aTM
Secretary                                                                                    42 Jason Place
Stanley Goldberg               walmart Supercenter In-Store branch, 1201 route 300           MoNDay - WEDNESDay                  9:00aM - 5:00PM
                               MoNDay - friDay        9:00aM - 7:00PM                        tHurSDay-friDay                     9:00aM - 6:00PM
Michael Mahar                  SaturDay               9:00aM - 5:00PM
                               24 HoUR aTM
Kent Hottinger                                                                               New PaLtz
Gerard Amoroso
Robert Gould                                                                                 243 Main Street, Suite 160
Kenneth Affeldt
                               gOSheN                                                        MoNDay - tHurSDay                   9:00aM - 5:00PM
                               Department of Public works bldg., route 17M                   friDay                              9:00aM - 6:00PM
Robert Van Dusen,              MoNDay - tHurSDay      8:30aM - 4:30PM                        SaturDay                            8:30aM - 2:00PM
Director Emeritus              friDay                 8:00aM - 4:30PM                        24 HoUR aTM

SUPERVISORY	COMMITTEE                                                                        SuNY Campus - Lower Level of haggerty
Chair                          harrIMaN
William Wiseman, Jr.           Old glory Mall, 95 Maher Lane, Ste. 9                         administration building, 1 hawk Drive
                               MoNDay - tHurSDay      9:00aM - 5:00PM                        MoNDay - friDay                     9:00aM - 5:00PM
Sandra Gerow                   friDay                 9:00aM - 6:00PM                        ATM Located in Student Union Building, available during open building hours
James Williams                 24 HoUR aTMs
Loretto Kennedy
Robert Sassi                                                                                 MONtgOMerY
                               waShINgtONVILLe                                               17 walnut Street
OPERATIONS                     131 east Main Street                                          MoNDay - friDay                     7:00aM - 5:00PM
President	&	CEO                                       LObbY              DrIVe-uP            SaturDay                            8:30aM - 2:00PM
Michael J. Ciriello
                               MoNDay - tHurSDay      9:00aM - 5:00PM    9:00aM - 5:00PM
Executive	Vice	President	      friDay                 9:00aM - 6:00PM    9:00aM - 6:00PM     MeMber SerVICe CeNter hOurS
&	COO                          SaturDay               8:30aM - 2:00PM    8:30aM - 2:00PM     MoNDay - friDay                     8:00aM - 7:00PM
Ray F. Litchfield              24 HoUR aTM                                                   SaturDay                            8:30aM - 2:00PM

Chief	Financial	Officer
Deborah Dulisse                                                         HOlIDAY	ClOSINg	CAlENDAR
Vice	President	of	lending                  All	HUDSON	HERITAgE	lOCATIONS	WIll	bE	ClOSED	IN	ObSERVANCE	OF	THE	FOllOWINg	HOlIDAYS:
Anthony Kurdziel                                                        labor Day, Monday, September 5, 2011
                                                                       columbus Day, Monday, october 10, 2011

          Federally	Insured	
          by	NCUA              HoW To REacH US: 845.561.5607 |                                                                                    EQUAl	HOUSINg	
                                                                                                                                         3 6 6 7 1 - P R I VA C Y- 0 6 1 1
                                       WHAT DOES HUDSON HERITAGE FEDERAL CREDIT UNION
 FACTS                                 DO WITH YOUR PERSONAL INFORMATION?

 Why?                                  Financial companies choose how they share your personal information. Federal law
                                       gives consumers the right to limit some but not all sharing. Federal law also requires
                                       us to tell you how we collect, share, and protect your personal information. Please
                                       read this notice carefully to understand what we do.

 What?                                 The types of personal information we collect and share depend on the product or
                                       service you have with us. This information can include:
                                       • Social Security number and checking account information
                                       • Credit card or other debt and credit history
                                       • Payment history and transaction history
                                       When you are no longer our customer, we continue to share your information as
                                       described in this notice.

 How?                                  All financial companies need to share members’ personal information to run their
                                       everyday business. In the section below, we list the reasons financial companies can
                                       share their members’ personal information; the reasons Hudson Heritage Federal
                                       Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information:                    Does Hudson Heritage Federal      Can you limit this sharing?
                                                                       Credit Union share?
For our everyday business purposes –                                               Yes                            No
such as to process your transactions, maintain your
account(s), respond to court orders and legal
investigations, or to report to credit bureaus
For our marketing purposes –                                                       Yes                            No
to offer our products and services to you
For joint marketing with other financial services                                  Yes                            No
For our affiliates’ everyday business purposes –                                   No                        We don’t share
information about your transactions and experiences
For our affiliates’ everyday business purposes –                                   No                        We don’t share
information about your creditworthiness
For our affiliates’ to market to you                                               No                        We don’t share
For our non-affiliates’ to market to you                                           No                        We don’t share

 Questions?                            Call 845.561.5607 or go to

                                                                                                                                PAGE 1
What we do
How does Hudson Heritage Federal Credit Union protect my   To protect your personal information from unauthorized access and use, we
personal information?                                      use security measures that comply with federal law. These measures include
                                                           computer safeguards and secured files and buildings.
How does Hudson Heritage Federal Credit Union collect my   We collect your personal information, for example, when you
personal information?                                      • Open an account or apply for a loan
                                                           • Use your credit or debit card or provide employment information
                                                           • Apply for financing
                                                           We also collect your personal information from others, such as credit bureaus,
                                                           affiliates, or other companies.
Why can’t I limit all sharing?                             Federal law gives you the right to limit only
                                                           • Sharing for affiliates’ everyday business purposes – information about
                                                             your creditworthiness
                                                           • Affiliates from using your information to market to you
                                                           • Sharing for nonaffiliates to market to you. State law and individual
                                                             companies may give you additional rights to limit sharing.

Affiliates                                                 Companies related by common ownership or control. They can be financial
                                                           and nonfinancial companies.
                                                           - Hudson Heritage Federal Credit Union has no affiliates
Nonaffiliates                                              Companies not related by common ownership or control. They can be
                                                           financial and nonfinancial companies.
                                                           - Nonaffiliates we share with can include plastic card processors
                                                           (credit/debit/ATM), financial statement publishers or printers, consumer
                                                           reporting agencies, data processors, and check/share draft printers
Joint Marketing                                            A formal agreement between nonaffiliated financial companies that together
                                                           market financial products or services to you.
                                                           - Our joint marketing partners include CUNA Mutual Group’s
                                                           MEMBERCONNECT and credit card companies

Other important information

                                                                                                                                      PAGE 2

                        for More Summer Cash!
In these current economic times you can probably use some extra cash to pay for it all. Now for just $25, you can
skip one Hudson Heritage FCU loan payment on one of your personal loans this summer, leaving you more money
to do the things you want! To skip a loan payment, just fill out the form below and return it to Hudson Heritage FCU.

Name____________________________________________________ Member # ________________________________________


Daytime Phone # ________________________________ Email address _______________________________________________

APPLY SKIP-A-PAY TO:                                  q PERSONAL LOAN                    q AUTO LOAN                              ACCOUNT # _____________________________

SKIP-A-PAY MONTH :                                    q JULY                             q AUGUST                                 q SEPTEMBER

CURRENT METHOD OF PAYMENT:                            q CHECK                            q PAYROLL DEDUCTION                      q ACH (AUTO TRANSFER)


q PLEASE TRANSFER THE $25 FEE FROM MY:                                                   q SAVINGS                                q CHECKING

I/we wish to participate in the HHFCU Skip-A-Pay program. Please defer payment for the loan indicated on this form. I/we understand that to participate in the HHFCU Skip-A-Pay program my/our
last three months loan payments must have been on time and my/our account must be in good standing. I/we accept the $25 fee associated with the Skip-A-Payment program. I/we understand that
interest will continue to accrue on the outstanding balance of the loan until it is paid in full. I/we understand that I/we continue to be responsible for the entire outstanding principle and interest of
my/our loan, and that I/we will be responsible to continue to make the monthly payments after the original maturity date until all principle and interest is paid in full and that if applicable, the pledge
of security shall remain in effect until the loan is fully repaid. I/we understand that the next regular payment will be due on the scheduled payment date following the due date that I/we have elected to
Skip-A-Payment. I/we also understand that for auto loans that include GAP coverage: in the event of a claim, the amount of GAP coverage will be reduced by the amount of the GAP payment skipped.

Signature_________________________________________________________________ Date _____________________________

Co-Borrower Signature_____________________________________________________ Date _____________________________

*A fee of $25 is due and payable upon execution of the Skip-A-Payment. This fee is not applied toward payment of the loan. Limit one loan and one skipped payment per person. Processing fees
will be returned to anyone not eligible to participate in this offer. In order to skip your payment, all loans and accounts must be current and in good standing at the time we receive your request,
and your loan must have opened more than 6 months ago. Note, both the primary member and co-borrower/co-signer (if applicable) MUST sign and return this form. This offer is subject to credit
approval and does not apply to overdraft line of credit, credit card or real estate loans. This is a limited time offer that may be withdrawn at any time.

                                     FUNDS AVAILABILITY POLICY
                                                        (Effective July 21, 2011)

Local checks deposited to your account: for amounts up to and including $5,000, the first $200 will be available on the first
business day following the day of deposit and the remaining funds will be available on the second business day following
the day of deposit.
Longer Delays May Apply: funds deposited by check may be delayed for a longer period under the following circumstances:
	   •	We believe a check deposited will not be paid
	   •	Checks	deposited	totaling	more	than	$5,000	on	any	one	day
	   •	Redeposit	of	a	check	that	has	been	returned	unpaid
	   •	The	account	has	been	repeatedly	overdrawn	in	the	last	six	months
	   •	There	is	an emergency, such as failure of computer or communication equipment
We	will	notify	you	if	we	delay	your	ability	to	withdraw	funds	for	any	reason	and	we	will	tell	you	when	the	funds	will	be
available.	They	will	generally	be	available	no	later	than	the	seventh	business	day	after	the	day	of	your	deposit.

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