Changes

Liquid Accounts

from May 21, 2008

from April 21, 2009

from December 19, 2008

Interest Checking $2,500

-17.31%

-2.27%

-20.37%

Premium Interest Checking $10K

-24.24%

-1.96%

-24.24%

Regular Savings $1K

-32.76%

-4.88%

-27.78%

Money Market $10K

-42.11%

-4.94%

-33.62%

High Liquid Money Market $25K

-42.68%

-6.00%

-34.72%

High Liquid Money Market $50K

-40.22%

-5.17%

-33.33%

Term Accounts

3 Month CD $25K

-53.37%

-8.16%

-46.75%

6 Month CD $25K

-45.98%

-7.63%

-42.38%

1 Year CD $25K

-36.63%

-6.10%

-36.89%

2 Year CD $25K

-28.79%

-4.08%

-30.37%

5 Year CD $25K

-19.38%

-1.90%

-22.29%

1 Year Jumbo CD

-36.14%

-5.92%

-36.14%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

5.08%

0.17%

5.08%

NSF Fee

2.54%

0.21%

0.87%

ATM Surcharge Fee

5.15%

0.00%

2.00%

Stop Payment Fee

1.43%

0.50%

1.22%

Bill Pay Monthly Fee

32.32%

0.00%

11.97%

Direct Auto Loans

New - 3 yr term, $20K

-3.41%

-0.54%

-2.80%

New - 4 yr term, $25K

-2.94%

-0.59%

-3.33%

New - 5 yr term, $30K

-3.02%

-0.29%

-3.42%

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

-2.01%

-0.81%

-2.94%

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

-2.72%

-0.96%

-2.97%

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

-2.83%

-0.70%

-2.77%

Conventional First Mortgage

15 Year Fixed Conforming

-16.32%

-0.64%

-7.52%

30 Year Fixed Conforming

-16.56%

-0.41%

-4.58%

15 Year Fixed Jumbo

-8.70%

0.08%

-9.48%

30 Year Fixed Jumbo

-10.31%

-0.84%

-9.07%

3 Year Adjustable Conforming

-26.91%

-5.66%

-8.88%

5 Year Adjustable Conforming

-25.45%

-5.37%

-11.04%

7 Year Adjustable Conforming

-22.91%

-4.28%

-10.93%