RELATIONSHIP REWARDS

What's Your Relationship Rewards Level? 

	HERE'S HOW YOU QUALIFY:
	Household Balances1: Your combined loan2 and deposit balances3 with LFCU (excluding certificates)*		$10,000	$25,000	$100,000
	HERE'S WHAT YOU GET:
	Free Transactions at 28,000 CO-OP Network ATMs		Unlimited	Unlimited	Unlimited
	Free Transactions at any other ATMs in the World (LFCU Fee Waived)		10 Per Month	Unlimited	Unlimited
	Rebates for ATM Surcharge fees Charged by Other Banks (Up to $3 Per Transaction)		$6 Per Month	$12 Per Month	Unlimited
	Free Checking (Monthly Service Fee Waived)		N/A	Yes	Yes
	Mortgage Loan Fee Discount 4		$150	$350	$500
	Select Fee Waivers (see below)		Yes	Yes	Yes
	Free Shared Branch Network Transactions		2 Per Month	3 Per Month	Unlimited
	Personal Checks (Planes of Fame Style)		1 Box Free Each Year	1 Box Free Each Year	Unlimited Free boxes each year (any style)
	Premier Checking Dividend Rate Bump		0.05% dividend rate increase	0.20% dividend rate increase	0.35% dividend rate increase
	Certificate Account Dividend Rate Bump		0.25% dividend rate increase	0.50% dividend rate increase	0.65% dividend rate increase
	Free Web BillPay		Unlimited	Unlimited	Unlimited

MORE INFORMATION ABOUT LFCU RELATIONSHIP REWARDS

*Members who have an LFCU checking account and an LFCU brokerage relationship of $10,000 or more automatically qualify for Gold Rewards.

Household Balances¹  refers to all member accounts that reflect the same primary Social Security Number or mailing address, regardless of the account name or number, and that include at least one member checking account. Households which do not include at least one checking account are not eligible for Relationship Rewards. Relationship Rewards is available to consumer members only.

Loan Balances² refer to all auto and mortgage loan balances and drawn balances on VISA credit cards, home equity lines and other lines of credit your Household has as of the close of business on the last day of the calendar month.  

Core Savings Balances³ are the combined average daily balance of all savings, checking and money market accounts (excluding certificate accounts) of the Household for the calendar month.  

Earning Rewards - When your combined Household Balances fall within the level required for Silver, Gold or Platinum during any calendar month, you will earn the stated Rewards for that period. Rebates are paid only if the related charge is incurred.  

When Rewards are Awarded - Rewards are awarded on transactions occurring and balances maintained during the calendar month following the month in which the Reward was earned. Depending on the Reward type, the Reward may be awarded on the same day the transaction occurs (such as a Transaction Fee Waiver at Non-LFCU ATMs), on any day following the date of the transaction (as with fee rebates) or on the first day of the month following thereafter (as in the case of dividend rate incentives). Fee rebates and dividend rate incentives are posted to the applicable account and are reflected on your account statement.

Accounts Closed During the Month - Rewards are not prorated. If you terminate your membership or if the checking account included in your Household is closed at any time during the month, you will not be awarded the Rewards for that calendar month.  

Free Transactions at Non-LFCU ATMs - Free transactions at non-LFCU ATMs means that no LFCU fee will apply. Members may make unlimited free transactions at LFCU ATMs and at 28,000 CO-OP Network ATMs. LFCU will automatically reimburse you for any ATM surcharge fees that may be assessed by the institution that owns the ATM, up to $3 per transaction. Surcharge reimbursements are capped at $6 per month for Silver and $12 for Gold tier members. Platinum members may receive unlimited reimbursements each month.

Check Order Costs - The "1 Box Free each year" Reward is available only when you order your checks through the credit union, and consists of one free box of LFCU's exclusive "Planes of Fame" checks or one $5.00 discount on the check style of your choice. This Reward is awarded only once in each consecutive 12-month period, regardless of whether changes in your Balances cause you to move between more than one Reward Category. Platinum members receive unlimited personal checks of any check style, excluding business and computer checks.  

Premier Checking Dividend Rate Incentive - LFCU will increase the Dividend Rate paid on your Premier Checking Account according to the above Matrix for each month you are at a given tier level. Dividends are earned daily and are credited and compounded monthly on the first day of the following calendar month.   Dividend incentive is included in the amount of your regular monthly dividend payment.  

Certificate Account Dividend Rate Incentive - LFCU will increase the Dividend Rate as shown in the above matrix on new and renewed Certificate Accounts you  keep with the Credit Union. Rate incentive does not apply to promotional certificate offers. Dividends are earned daily and are credited and compounded monthly on the first day of the following calendar month. Your Dividend Rate Incentive will be paid for the entire term of the Certificate and will not decrease or increase regardless of whether your Household Balances change during the same period. 

Mortgage Fee Discount4 - LFCU will automatically award a rebate of up to $500 (as indicated in matrix above) to qualifying members who open a new LFCU first trust deed home loan of $100,000 or more. Discount applies to loans funded after 3/1/04 and is limited to one discount in every 12-month period. All first trust deed loan types and terms are eligible. Discount does not apply to "Streamline Modifications" of existing LFCU loans. New members who receive Gold tier benefits for the first 90 days of their membership are not eligible for the mortgage fee discount unless they have $25,000 in qualifying balances with LFCU. Discount will be shown as a credit on the Final HUD Settlement Statement, and is applied at time of closing.  

Fee Waivers - Platinum members are exempt from overdraft, phone transfer, HELOC, low balance and savings withdrawal fees. Gold and Silver members are exempt from Phone Transfer and Savings Withdrawal fees. Platinum and Gold members receive two free cashier's checks per month. Please refer to the current Schedule of Service Charges and Fees for more information.

Confidentiality of Information - We are prohibited under federal and state law from disclosing any information on any account used in connection with calculating your Household balances in which you are not an account owner.  

Members in Good Standing - You must be in good standing with the credit union to be eligible to participate in the Relationship Rewards Program and earn Rewards.  

For more information on Relationship Rewards, please call (800) 328-LFCU.