Dear Valued Member,

Your membership is important to us, so we want to make you aware of planned changes to overdraft fees and Relationship Rewards ATM surcharge rebates.

LFCU will modify the following overdraft fees, effective Dec. 31, 2009:

» Courtesy Pay Fee -- Items paid against insufficient funds, at LFCU’s discretion. Includes checks, ACH items, debit card purchases and ATM withdrawals……………………………………………$29 per item
Courtesy Pay fees are capped at a maximum of 5 fees per day

» NSF Fee -- Items returned unpaid against insufficient funds. Includes checks, ACH items, loan payments.………$29 per item

» Overdraft Protection Transfer Fee -- fee to cover an item paid against insufficient funds via a transfer from your share, checking, or linked line of credit…………………………………………$4 per transfer

In addition, Relationship Rewards automatic surcharge rebates will be capped at $3 per rebate. There is no change to the amount of rebates for each Rewards tier level. For example, Platinum members will continue to earn unlimited rebates, Gold members $12 per month, and Silver members $6.

If you have questions, please call (800) 328-LFCU (5328). Thank you for your membership.

Lockheed Federal Credit Union