Changes

Liquid Accounts

from September 21, 2007

from December 21, 2007

from August 21, 2008

Interest Checking $2,500

-17.39%

-12.31%

1.79%

Premium Interest Checking $10K

-25.77%

-20.00%

2.86%

Regular Savings $1K

-25.97%

-22.97%

0.00%

Money Market $10K

-40.27%

-35.41%

1.50%

High Liquid Money Market $25K

-42.16%

-37.83%

1.22%

High Liquid Money Market $50K

-41.38%

-37.04%

1.08%

Term Accounts

3 Month CD $25K

-39.08%

-36.13%

1.02%

6 Month CD $25K

-40.05%

-36.31%

0.86%

1 Year CD $25K

-36.56%

-31.90%

1.51%

2 Year CD $25K

-31.15%

-25.94%

0.68%

5 Year CD $25K

-20.13%

-15.00%

0.28%

1 Year Jumbo CD

-36.26%

-31.51%

1.47%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

-5.44%

-1.20%

-0.86%

NSF Fee

1.25%

0.82%

-0.49%

ATM Surcharge Fee

9.39%

7.61%

0.00%

Stop Payment Fee

3.29%

1.93%

-0.18%

Bill Pay Monthly Fee

5.39%

5.39%

0.00%

Direct Auto Loans

New - 3 yr term, $20K

-7.97%

-6.98%

0.12%

New - 4 yr term, $25K

-7.13%

-5.81%

-1.08%

New - 5 yr term, $30K

-7.16%

-5.71%

0.13%

Used - 1 yr old, 5 yr term, $30K

-6.74%

-5.88%

-0.32%

Used - 2 yr old, 4 yr term, $20K

-7.31%

-6.40%

0.24%

Used - 3 yr old, 3 yr term, $20K

-8.25%

-7.95%

-0.03%

Conventional First Mortgage

15 Year Fixed Conforming

-3.47%

0.49%

-3.59%

30 Year Fixed Conforming

-3.61%

-0.71%

-5.94%

15 Year Fixed Jumbo

2.71%

8.53%

-0.99%

30 Year Fixed Jumbo

3.43%

8.49%

-0.50%

3 Year Adjustable Conforming

-27.33%

-24.75%

-5.36%

5 Year Adjustable Conforming

-24.44%

-21.47%

-4.45%

7 Year Adjustable Conforming

-20.91%

-17.85%

-4.08%