Changes

Liquid Accounts

from January 22, 2008

from July 21, 2008

from December 19, 2008

Interest Checking $2,500

-27.69%

-12.96%

-12.96%

Premium Interest Checking $10K

-37.78%

-18.84%

-15.15%

Regular Savings $1K

-32.88%

-14.04%

-9.26%

Money Market $10K

-50.97%

-23.48%

-12.93%

High Liquid Money Market $25K

-52.47%

-23.31%

-13.19%

High Liquid Money Market $50K

-51.37%

-22.83%

-13.94%

Term Accounts

3 Month CD $25K

-56.15%

-31.96%

-21.89%

6 Month CD $25K

-52.23%

-25.33%

-18.57%

1 Year CD $25K

-45.77%

-20.54%

-15.98%

2 Year CD $25K

-39.11%

-18.02%

-14.07%

5 Year CD $25K

-27.65%

-15.32%

-11.75%

1 Year Jumbo CD

-45.45%

-20.45%

-15.66%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

-1.55%

-3.72%

-0.18%

NSF Fee

2.40%

0.11%

-0.94%

ATM Surcharge Fee

7.45%

3.59%

1.00%

Stop Payment Fee

1.70%

0.36%

0.29%

Bill Pay Monthly Fee

18.18%

12.14%

0.00%

Direct Auto Loans

New - 3 yr term, $20K

-7.05%

-0.57%

-0.48%

New - 4 yr term, $25K

-6.12%

-0.62%

-0.35%

New - 5 yr term, $30K

-6.04%

-0.60%

-0.49%

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

-7.66%

-2.47%

-2.82%

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

-6.72%

-0.71%

-1.09%

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

-6.79%

-0.80%

-1.22%

Conventional First Mortgage

15 Year Fixed Conforming

-15.89%

-18.07%

-3.51%

30 Year Fixed Conforming

-16.35%

-19.53%

-1.76%

15 Year Fixed Jumbo

-0.15%

-9.10%

-3.73%

30 Year Fixed Jumbo

0.20%

-9.20%

-2.74%

3 Year Adjustable Conforming

-41.54%

-25.84%

-5.04%

5 Year Adjustable Conforming

-37.66%

-23.49%

-5.25%

7 Year Adjustable Conforming

-33.43%

-20.91%

-5.09%