Changes

Liquid Accounts

from December 19, 2008

from June 18, 2009

from November 21, 2009

Interest Checking $2,500

-27.78%

-9.30%

-2.50%

Premium Interest Checking $10K

-31.82%

-10.00%

-2.17%

Regular Savings $1K

-38.89%

-10.81%

-2.94%

Money Market $10K

-48.28%

-17.81%

-7.69%

High Liquid Money Market $25K

-48.61%

-17.78%

-7.50%

High Liquid Money Market $50K

-47.88%

-17.31%

-7.53%

Term Accounts

3 Month CD $25K

-66.27%

-31.33%

-9.52%

6 Month CD $25K

-60.00%

-26.32%

-9.68%

1 Year CD $25K

-52.87%

-21.77%

-8.00%

2 Year CD $25K

-40.74%

-12.57%

-5.33%

5 Year CD $25K

-26.51%

-4.69%

-2.40%

1 Year Jumbo CD

-52.21%

-21.71%

-7.75%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

7.71%

2.84%

-2.84%

NSF Fee

-0.80%

-1.72%

-2.09%

ATM Surcharge Fee

0.00%

-2.44%

-3.38%

Stop Payment Fee

-3.07%

-4.27%

-3.56%

Bill Pay Monthly Fee

92.88%

72.26%

-1.46%

Direct Auto Loans

New - 3 yr term, $20K

-5.48%

-1.90%

-0.67%

New - 4 yr term, $25K

-5.72%

-2.05%

-0.14%

New - 5 yr term, $30K

-5.75%

-2.28%

-0.11%

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

-5.30%

-2.16%

-0.47%

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

-4.38%

-1.36%

-0.03%

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

-4.72%

-1.70%

-0.53%

Conventional First Mortgage

15 Year Fixed Conforming

-11.81%

-11.68%

-1.44%

30 Year Fixed Conforming

-4.69%

-9.49%

-1.49%

15 Year Fixed Jumbo

-17.64%

-11.30%

-0.44%

30 Year Fixed Jumbo

-13.97%

-8.58%

-1.15%

3 Year Adjustable Conforming

-17.78%

-11.74%

-3.10%

5 Year Adjustable Conforming

-19.18%

-13.07%

-2.80%

7 Year Adjustable Conforming

-18.19%

-12.92%

-1.92%