I use ExFAT format only for thumb drives I use for transmittals. That way it doesn't matter if the customer uses Windows or OS. True, Paragon NTFS is not free, but $20 for a utility I use daily is worth the cost. Paragon has the funds to update and upgrade the product from time to time, rather than relying on volunteers who work without critical oversight. They have also responded to various issues, which I was able to document thoroughly by following their instructions. I use ExFAT for file transfer. None of my devices which use CF or SD cards are compatible with ExFAT , HPS, or NTFS.