Changes

Liquid Accounts

from December 21, 2007

from June 20, 2008

from November 21, 2008

Interest Checking $2,500

-16.92%

0.00%

-5.26%

Premium Interest Checking $10K

-26.67%

-2.94%

-4.35%

Regular Savings $1K

-27.03%

-5.26%

-3.57%

Money Market $10K

-44.50%

-11.45%

-5.69%

High Liquid Money Market $25K

-46.07%

-11.11%

-5.88%

High Liquid Money Market $50K

-44.44%

-9.84%

-5.71%

Term Accounts

3 Month CD $25K

-45.48%

-12.44%

-7.14%

6 Month CD $25K

-43.09%

-6.67%

-6.25%

1 Year CD $25K

-38.23%

-1.61%

-5.06%

2 Year CD $25K

-31.99%

-0.74%

-4.26%

5 Year CD $25K

-20.95%

0.00%

-4.60%

1 Year Jumbo CD

-38.21%

-2.35%

-5.32%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

-1.72%

-2.23%

-0.70%

NSF Fee

2.27%

1.48%

1.44%

ATM Surcharge Fee

8.70%

3.09%

1.01%

Stop Payment Fee

2.01%

0.18%

0.04%

Bill Pay Monthly Fee

18.18%

11.43%

-3.31%

Direct Auto Loans

New - 3 yr term, $20K

-7.53%

-0.81%

-0.48%

New - 4 yr term, $25K

-6.29%

0.11%

-0.20%

New - 5 yr term, $30K

-5.96%

0.15%

-0.19%

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

-5.68%

0.78%

-0.01%

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

-6.81%

0.56%

-0.24%

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

-7.50%

0.38%

-0.01%

Conventional First Mortgage

15 Year Fixed Conforming

-12.83%

-15.72%

-12.04%

30 Year Fixed Conforming

-14.85%

-18.08%

-13.27%

15 Year Fixed Jumbo

3.72%

-4.15%

-6.15%

30 Year Fixed Jumbo

3.02%

-5.85%

-6.32%

3 Year Adjustable Conforming

-38.44%

-26.29%

-10.57%

5 Year Adjustable Conforming

-34.21%

-23.26%

-9.83%

7 Year Adjustable Conforming

-29.86%

-20.37%

-9.08%