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<TD width=15>&nbsp;</TD>
<TD vAlign=top align=left width=185><B><FONT color=#df9b39>Middlesex Healthcare <BR>Federal Credit Union</FONT></B><BR><FONT color=#e4e9e9>41 Crescent Street<BR>Middletown, CT 06457</FONT></TD></TR>
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<TD width=15>&nbsp;</TD>
<TD vAlign=top align=left width=185><B><FONT color=#df9b39>Phone:</FONT><FONT color=#e4e9e9> </FONT></B><FONT color=#e4e9e9>&nbsp;860-347-9700 <BR>or 860-344-6000, ext. 6666</FONT></TD></TR>
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<TD vAlign=top align=left width=185><FONT color=#df9b39><B>Fax:</B></FONT><FONT color=#e4e9e9>&nbsp; 860-347-0628</FONT></TD></TR>
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<TD vAlign=top align=left width=185><FONT color=#df9b39><B>Hours:</B></FONT><FONT color=#e4e9e9> <BR>9:00 AM to 3:00 PM<BR>Monday, Tuesday, <BR>Wednesday, Friday<BR><BR>9:00 AM to 4:00 PM<BR>Thursday</FONT></TD></TR></TBODY></TABLE>
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<TD vAlign=top align=left>&nbsp; 
<H4>Checking Account Fees<BR><IMG height=3 src="images/06_dots.gif" width=449 border=0></H4>
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<P><B>The Following is information and fees for your new checking account.</B><BR><BR>1. The cost of printing your checks.<BR><BR>2. Twenty-Five dollar ($25.00) fee for all returned check.<BR><BR>3. Twenty-dollar ($25.00) fee for all stop payments.<BR><BR>4. Five-dollar ($5.00) fee for PHOTO COPIES OF EACH SHARE DRAFT.<BR><BR>5. Three-dollar ($3.00) fee for each copy of your statement.<BR><BR>6. Overdraft fee of five dollars ($5.00) will be charged against your account as long as there are sufficient monies to cover the overdraft. If you do not have sufficient funds in your account to cover the overdraft, a ten-dollar ($10.00) fee will be charged. Your Share Savings, Christmas Club and Vacation Club account funds will be used to cover the overdrawn checks.<BR><BR>7. The Credit Union may close your Share Draft (checking) account if you write two or more checks against your account within one month without having sufficient funds in your share draft account to cover them. The Credit Union may take this action even though you have sufficient funds in other accounts to cover such checks.<BR><BR>8. No interest will be paid to your Share Draft Account.<BR><BR>All Fees are subject to change per order of the Board of Directors, and only the fees listed above will be charged to your Share Draft Account.</P>
<P>Be further assured if you decide to terminate your membership with the Middlesex Healthcare Federal Credit Union, or become an inactive member, we will adhere to the privacy policies and practices as described in this notice.<BR><BR>July, 2004</P></BLOCKQUOTE></TD></TR></TBODY></TABLE></TD></TR>
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