Changes

Liquid Accounts

from Sept. 22, 2008

from August 21, 2009

from December 19, 2008

Interest Checking $2,500

-28.07%

0.00%

-24.07%

Premium Interest Checking $10K

-34.72%

-2.08%

-28.79%

Regular Savings $1K

-38.60%

0.00%

-35.19%

Money Market $10K

-50.37%

-1.47%

-42.24%

High Liquid Money Market $25K

-50.60%

-2.38%

-43.06%

High Liquid Money Market $50K

-49.20%

-2.06%

-42.42%

Term Accounts

3 Month CD $25K

-65.15%

-4.17%

-59.17%

6 Month CD $25K

-58.30%

-4.85%

-53.33%

1 Year CD $25K

-51.67%

-3.70%

-46.72%

2 Year CD $25K

-41.50%

-1.71%

-36.30%

5 Year CD $25K

-29.41%

-0.40%

-24.10%

1 Year Jumbo CD

-51.45%

-3.60%

-46.18%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

7.32%

0.49%

7.88%

NSF Fee

1.94%

-0.14%

0.49%

ATM Surcharge Fee

4.04%

0.00%

3.00%

Stop Payment Fee

0.68%

0.07%

0.61%

Bill Pay Monthly Fee

25.56%

0.00%

11.97%

Direct Auto Loans

New - 3 yr term, $20K

-4.51%

0.39%

-3.95%

New - 4 yr term, $25K

-4.70%

0.33%

-4.21%

New - 5 yr term, $30K

-4.32%

0.36%

-4.06%

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

-3.68%

-0.10%

-3.89%

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

-3.90%

0.13%

-3.48%

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

-3.63%

-0.10%

-4.10%

Conventional First Mortgage

15 Year Fixed Conforming

-21.56%

-2.41%

-9.58%

30 Year Fixed Conforming

-16.37%

-2.77%

-2.48%

15 Year Fixed Jumbo

-18.62%

-3.38%

-14.85%

30 Year Fixed Jumbo

-15.71%

-2.08%

-11.24%

3 Year Adjustable Conforming

-29.94%

-1.99%

-14.35%

5 Year Adjustable Conforming

-29.33%

-2.36%

-15.65%

7 Year Adjustable Conforming

-27.70%

-2.43%

-15.31%