Changes

Liquid Accounts

from June 21, 2008

from May 21, 2009

from December 19, 2008

Interest Checking $2,500

-20.37%

0.00%

-20.37%

Premium Interest Checking $10K

-26.47%

0.00%

-24.24%

Regular Savings $1K

-35.09%

-5.13%

-31.48%

Money Market $10K

-44.27%

-5.19%

-37.07%

High Liquid Money Market $25K

-44.44%

-4.26%

-37.50%

High Liquid Money Market $50K

-43.17%

-5.45%

-36.97%

Term Accounts

3 Month CD $25K

-56.99%

-7.78%

-50.89%

6 Month CD $25K

-49.33%

-5.79%

-45.71%

1 Year CD $25K

-40.73%

-4.55%

-39.75%

2 Year CD $25K

-32.72%

-2.66%

-32.22%

5 Year CD $25K

-22.89%

-0.78%

-22.89%

1 Year Jumbo CD

-40.39%

-4.40%

-38.96%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

2.40%

-0.33%

4.73%

NSF Fee

2.43%

0.07%

0.94%

ATM Surcharge Fee

5.67%

0.49%

2.50%

Stop Payment Fee

1.43%

0.04%

1.25%

Bill Pay Monthly Fee

24.76%

0.00%

11.97%

Direct Auto Loans

New - 3 yr term, $20K

-4.44%

-0.88%

-3.65%

New - 4 yr term, $25K

-3.64%

-0.42%

-3.74%

New - 5 yr term, $30K

-3.41%

-0.14%

-3.55%

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

-2.45%

-0.28%

-3.21%

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

-2.53%

-0.10%

-3.07%

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

-2.71%

-0.32%

-3.08%

Conventional First Mortgage

15 Year Fixed Conforming

-15.85%

7.96%

-0.15%

30 Year Fixed Conforming

-13.75%

10.35%

5.30%

15 Year Fixed Jumbo

-11.00%

2.57%

-7.15%

30 Year Fixed Jumbo

-11.40%

3.49%

-5.90%

3 Year Adjustable Conforming

-31.34%

2.23%

-6.85%

5 Year Adjustable Conforming

-28.66%

4.50%

-7.03%

7 Year Adjustable Conforming

-25.19%

5.48%

-6.05%