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A Surname in LOTRO is a character's last name, placed behind the name chosen at character creation. It can be chosen at a Notary NPC located in any of the major settlements: Thorin's Gate, Michel Delving, Bree and Rivendell for a fee of 10 Silver . In order to be eligible you must be at least level 15. You may choose not to display it by opening the Title tab of the Character Journal and unchecking the "Show Surname" checkbox in the top-left corner. You can change or entirely remove your surname at any time by visiting a Notary again and paying the fee.