Changes

Liquid Accounts

from December 19, 2008

from June 18, 2009

from October 21, 2009

Interest Checking $2,500

-25.93%

-6.98%

0.00%

Premium Interest Checking $10K

-30.30%

-8.00%

0.00%

Regular Savings $1K

-37.04%

-8.11%

0.00%

Money Market $10K

-45.69%

-13.70%

-3.08%

High Liquid Money Market $25K

-46.53%

-14.44%

-3.75%

High Liquid Money Market $50K

-45.45%

-13.46%

-3.23%

Term Accounts

3 Month CD $25K

-64.50%

-27.71%

-4.76%

6 Month CD $25K

-58.10%

-22.81%

-5.38%

1 Year CD $25K

-50.82%

-18.37%

-4.00%

2 Year CD $25K

-38.89%

-9.84%

-2.37%

5 Year CD $25K

-25.30%

-3.13%

-0.80%

1 Year Jumbo CD

-50.20%

-18.42%

-3.88%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

7.18%

2.34%

-3.32%

NSF Fee

-0.90%

-1.82%

-2.19%

ATM Surcharge Fee

-0.50%

-2.93%

-3.86%

Stop Payment Fee

-3.18%

-4.38%

-3.66%

Bill Pay Monthly Fee

92.88%

72.26%

-1.46%

Direct Auto Loans

New - 3 yr term, $20K

-4.94%

-1.33%

-0.10%

New - 4 yr term, $25K

-5.61%

-1.94%

-0.03%

New - 5 yr term, $30K

-5.66%

-2.19%

-0.02%

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

-4.89%

-1.74%

-0.05%

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

-4.53%

-1.51%

-0.18%

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

-4.28%

-1.25%

-0.07%

Conventional First Mortgage

15 Year Fixed Conforming

-12.39%

-12.26%

-2.09%

30 Year Fixed Conforming

-5.43%

-10.19%

-2.25%

15 Year Fixed Jumbo

-19.22%

-13.00%

-2.34%

30 Year Fixed Jumbo

-14.79%

-9.45%

-2.08%

3 Year Adjustable Conforming

-17.71%

-11.66%

-3.01%

5 Year Adjustable Conforming

-19.61%

-13.53%

-3.32%

7 Year Adjustable Conforming

-18.81%

-13.58%

-2.66%