Original

Sentence
Honorable
Dov Hikind
Assemblyma
n 48th
District
1310 48th
Street
Brooklyn, NY
11219
Dear
Assemblyma
n Hikind:

Your letter
dated May
25, 2001 to
Apple Bank's
Chairman
and CEO,
Alan
Shamoon,
has been
referred to
me.

"C" Violated Error

Revised
Sentence

In that letter,
you state that
some of your
Constituents
who are
Holocaust
survivors
have
informed you
that they are
liable for a
$10 bank
service
charge when
Article 2
Hardship
Funds are
wired into
their
accounts at
Apple from
Germany by
the Claims
Sentence is
Conference. Conciseness too long

The letter
stated that
some
constituents
who are
Holocaust
survivors
have
informed you
that they are
liable for a
$10 bank
service
charge when
Hardship
Funds from
Gernany are
wired into
their Apple
accounts by
the claims
office.

You also
make
reference to
this fee being
assessed for
other
reparation
payments
that may be
processed
via direct
deposit.

You will be
happy to
know that the
Bank has
already
agreed to
waive the
incoming
wire transfer
fee for these
types of
reparation
payments.

For your
pleasure, the
Bank has
agreed to
waive the
incoming
wire transfer
fee for
reparation
payments.

In addition,
please note
that we do
not apply a
fee for any
type of direct
deposit
payments.

Additionally,
the Bank
does not
apply fees for
direct deposit
payments.

For your
information,
there are a
number of
ways funds
can be
transmtitted
electronically.

For your
information,
funds can be
transferred
electronically
in a number
of ways

Direct
deposit refers
to electronic
deposits to
an account
other than by
wire transfer
while wire
transfer
refers to
funds
processed
through the
Federal
Reserve
Bank.

In any event,
we do not
charge a fee
on transfers
of reparation
payments,
regardless of
the means of
electronic
transfer.

If by error,
you have any
constituents
who have
been
accidentally
charged,
please have
them send
me a letter
and I will
have it
refunded and
corrected.
Sincerely,
James G.
Matera
Senior Vice
President
cc: A.
Shamoon

If you have
any
constituents
that were
charged,
please have
them send
me a formal
letter, so that
they can be
refunded.