Changes

Liquid Accounts

from March 21, 2008

from February 20, 2009

from December 19, 2008

Interest Checking $2,500

-19.64%

-2.17%

-16.67%

Premium Interest Checking $10K

-28.38%

-3.64%

-19.70%

Regular Savings $1K

-31.25%

-4.35%

-18.52%

Money Market $10K

-44.23%

-6.45%

-25.00%

High Liquid Money Market $25K

-45.13%

-7.76%

-25.69%

High Liquid Money Market $50K

-43.64%

-6.77%

-24.85%

Term Accounts

3 Month CD $25K

-53.10%

-9.40%

-37.28%

6 Month CD $25K

-45.56%

-8.44%

-32.86%

1 Year CD $25K

-35.42%

-6.91%

-28.28%

2 Year CD $25K

-27.82%

-5.09%

-24.07%

5 Year CD $25K

-17.13%

-3.21%

-18.37%

1 Year Jumbo CD

-34.66%

-6.22%

-27.31%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

0.52%

2.09%

2.45%

NSF Fee

2.91%

-0.03%

-0.66%

ATM Surcharge Fee

7.94%

0.49%

2.00%

Stop Payment Fee

1.41%

0.18%

0.46%

Bill Pay Monthly Fee

13.80%

-3.70%

-3.70%

Direct Auto Loans

New - 3 yr term, $20K

-4.67%

-0.58%

-1.52%

New - 4 yr term, $25K

-4.19%

-0.60%

-2.04%

New - 5 yr term, $30K

-3.87%

-0.53%

-2.17%

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

-2.49%

-0.29%

-1.34%

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

-3.57%

-0.47%

-1.53%

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

-4.31%

-0.27%

-1.80%

Conventional First Mortgage

15 Year Fixed Conforming

-11.91%

-2.33%

-5.34%

30 Year Fixed Conforming

-15.01%

-2.29%

-3.27%

15 Year Fixed Jumbo

-6.69%

-1.06%

-6.48%

30 Year Fixed Jumbo

-8.55%

-2.56%

-5.98%

3 Year Adjustable Conforming

-12.63%

1.65%

1.58%

5 Year Adjustable Conforming

-13.57%

0.44%

-1.15%

7 Year Adjustable Conforming

-13.86%

-0.24%

-2.56%