Changes

Liquid Accounts

from August 21, 2008

from July 21, 2009

from December 19, 2008

Interest Checking $2,500

-26.79%

-2.38%

-24.07%

Premium Interest Checking $10K

-31.43%

-2.04%

-27.27%

Regular Savings $1K

-38.60%

-2.78%

-35.19%

Money Market $10K

-48.87%

-2.86%

-41.38%

High Liquid Money Market $25K

-48.78%

-2.33%

-41.67%

High Liquid Money Market $50K

-47.57%

-3.00%

-41.21%

Term Accounts

3 Month CD $25K

-63.27%

-6.49%

-57.40%

6 Month CD $25K

-55.79%

-4.63%

-50.95%

1 Year CD $25K

-49.06%

-3.57%

-44.67%

2 Year CD $25K

-40.07%

-1.69%

-35.19%

5 Year CD $25K

-28.93%

-0.39%

-23.80%

1 Year Jumbo CD

-48.90%

-4.14%

-44.18%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

5.87%

1.66%

7.36%

NSF Fee

1.58%

0.14%

0.62%

ATM Surcharge Fee

4.04%

0.98%

3.00%

Stop Payment Fee

0.43%

0.00%

0.54%

Bill Pay Monthly Fee

25.56%

0.00%

11.97%

Direct Auto Loans

New - 3 yr term, $20K

-4.76%

-0.21%

-4.32%

New - 4 yr term, $25K

-6.04%

-0.06%

-4.52%

New - 5 yr term, $30K

-4.53%

0.25%

-4.40%

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

-3.88%

-0.12%

-3.79%

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

-3.80%

-0.12%

-3.60%

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

-3.56%

-0.23%

-4.00%

Conventional First Mortgage

15 Year Fixed Conforming

-22.51%

-3.10%

-7.34%

30 Year Fixed Conforming

-19.09%

-2.00%

0.30%

15 Year Fixed Jumbo

-16.60%

-0.78%

-11.87%

30 Year Fixed Jumbo

-14.36%

-0.19%

-9.35%

3 Year Adjustable Conforming

-32.34%

-2.32%

-12.60%

5 Year Adjustable Conforming

-30.85%

-2.80%

-13.62%

7 Year Adjustable Conforming

-28.92%

-3.14%

-13.21%