Thank you for your membership and loyalty!

Dear DFCU Financial Members:

It is my pleasure to inform you that DFCU Financial will be issuing, for the second consecutive year, an annual special patronage dividend in excess of $17 million. Both the 2006 and 2007 dividends represent the largest in the history of the Credit Union Industry.

I am so pleased that DFCU Financial is in the position to issue a dividend again this year. Last year, we received an overwhelming number of responses from members who told us how much they appreciated the dividend, especially during these economically challenging times.

In fact, DFCU Financial has invested more than $50 million in southeastern Michigan since 2003. It is due to your confidence and loyalty as DFCU Financial members that we are able to issue this dividend and also to provide other benefits and services as well, such as new branches for added convenience, payment- and interest-free loans through the Career Transition Program, low fees, and free credit and budget counseling.

It is the intent of the DFCU Financial Board of Directors to issue a dividend every year, though there is no guarantee. The dividend criteria may be modified from year to year since it is designed to reward the relationship you have with us and thank you for choosing DFCU Financial as your primary financial institution. It is our hope that you will choose to do more business with us in the future. Our team works hard every day so that we continue to be in the financial position to provide outstanding benefits of membership like the dividend.

We hope you find that the benefits of membership at DFCU Financial are many. The special patronage dividend is just one way DFCU Financial strives to make a positive impact on your life and the communities we serve.

Thank you for your loyal membership.

Sincerely,
Mark Shobe
President and CEO
DFCU Financial