Changes

Liquid Accounts

from October 19, 2007

from December 21, 2007

from September 22, 2008

Interest Checking $2,500

-13.43%

-10.77%

1.75%

Premium Interest Checking $10K

-23.40%

-20.00%

0.00%

Regular Savings $1K

-26.32%

-24.32%

-1.75%

Money Market $10K

-39.73%

-36.84%

-2.22%

High Liquid Money Market $25K

-41.16%

-38.95%

-1.81%

High Liquid Money Market $50K

-39.81%

-37.37%

-0.53%

Term Accounts

3 Month CD $25K

-38.75%

-36.77%

-1.01%

6 Month CD $25K

-38.86%

-36.04%

0.43%

1 Year CD $25K

-34.78%

-31.65%

0.37%

2 Year CD $25K

-30.22%

-26.70%

-1.02%

5 Year CD $25K

-19.55%

-15.71%

-0.84%

1 Year Jumbo CD

-34.75%

-31.51%

0.00%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

-4.98%

-1.38%

-0.17%

NSF Fee

1.00%

0.78%

-0.04%

ATM Surcharge Fee

9.39%

7.61%

0.00%

Stop Payment Fee

2.72%

1.79%

-0.14%

Bill Pay Monthly Fee

6.06%

6.06%

0.64%

Direct Auto Loans

New - 3 yr term, $20K

-7.77%

-6.84%

0.15%

New - 4 yr term, $25K

-6.77%

-5.78%

0.03%

New - 5 yr term, $30K

-6.52%

-5.49%

0.22%

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

-6.29%

-5.49%

0.42%

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

-7.11%

-6.35%

0.06%

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

-7.68%

-7.35%

0.65%

Conventional First Mortgage

15 Year Fixed Conforming

0.32%

4.18%

3.68%

30 Year Fixed Conforming

-0.14%

3.17%

3.91%

15 Year Fixed Jumbo

7.90%

11.72%

2.95%

30 Year Fixed Jumbo

6.46%

8.78%

0.27%

3 Year Adjustable Conforming

-25.13%

-21.65%

4.12%

5 Year Adjustable Conforming

-20.70%

-17.35%

5.25%

7 Year Adjustable Conforming

-16.57%

-13.27%

5.58%