Dear Valued Member,

Are you ready to make the dream of homeownership a reality? We can help! Our low rates and proactive service - backed by a 100% Satisfaction Guarantee - can't be beat.

Plus, qualified first-time buyers can pocket up to $8,000 in tax savings, while current homeowners can pocket $6,500 (consult your tax advisor). Now's the time to make your move -- this special tax incentive expires April 30, 2010. Learn more.

*APR = Annual Percentage Rate. APR assumes a loan-to-value ratio of 80%, one point, 30-year conforming fixed and one point conforming 5/1 adjustable rate loans. Monthly payments are estimated on a 30-year conforming fixed loan at 4.750% rate and conforming 5/1 adjustable rate loan at 3.625% rate. Rates are accurate as of 2/5/10 and may have changed after that date. Closing costs and other fees apply. Payment estimates do not include taxes and insurance. Rate comparison provided by Informa Research Services, Inc. For more 5/1 ARM payment information, click here.

Visit your local branch or call (800) 328-LFCU (5328) to speak with a knowledgeable representative.

Sincerely,

Lockheed Federal Credit Union

___________________________________________________________________

Federally Insured by the NCUA