Changes

Liquid Accounts

from April 21, 2008

from March 20, 2009

from December 19, 2008

Interest Checking $2,500

-15.38%

-2.22%

-18.52%

Premium Interest Checking $10K

-23.88%

-3.77%

-22.73%

Regular Savings $1K

-31.67%

-6.82%

-24.07%

Money Market $10K

-40.88%

-6.90%

-30.17%

High Liquid Money Market $25K

-40.83%

-6.54%

-30.56%

High Liquid Money Market $50K

-39.27%

-6.45%

-29.70%

Term Accounts

3 Month CD $25K

-50.75%

-7.55%

-42.01%

6 Month CD $25K

-42.79%

-7.09%

-37.62%

1 Year CD $25K

-32.51%

-6.29%

-32.79%

2 Year CD $25K

-24.62%

-4.39%

-27.41%

5 Year CD $25K

-15.97%

-2.95%

-20.78%

1 Year Jumbo CD

-32.13%

-6.63%

-32.13%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking—Monthly Fee

5.09%

2.39%

4.90%

NSF Fee

2.76%

1.33%

0.66%

ATM Surcharge Fee

7.94%

0.00%

2.00%

Stop Payment Fee

1.26%

0.25%

0.71%

Bill Pay Monthly Fee

32.32%

16.27%

11.97%

Direct Auto Loans

New - 3 yr term, $20K

-3.26%

-0.77%

-2.28%

New - 4 yr term, $25K

-3.01%

-0.74%

-2.76%

New - 5 yr term, $30K

-3.06%

-0.98%

-3.13%

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

-1.90%

-0.82%

-2.14%

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

-2.71%

-0.50%

-2.03%

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

-2.75%

-0.29%

-2.08%

Conventional First Mortgage

15 Year Fixed Conforming

-11.91%

-1.67%

-6.92%

30 Year Fixed Conforming

-15.01%

-0.94%

-4.18%

15 Year Fixed Jumbo

-6.69%

-3.28%

-9.55%

30 Year Fixed Jumbo

-8.55%

-2.46%

-8.30%

3 Year Adjustable Conforming

-12.63%

-4.91%

-3.41%

5 Year Adjustable Conforming

-13.57%

-4.90%

-5.99%

7 Year Adjustable Conforming

-13.86%

-4.50%

-6.94%