Trend - Percentage Change from

Liquid Accounts

from January 20, 2009

from July 21, 2009

from December 21, 2009

Interest Checking $2,500

-19.15%

-9.52%

-2.56%

Premium Interest Checking $10K

-23.21%

-12.24%

-4.44%

Regular Savings $1K

-32.65%

-8.33%

0.00%

Money Market $10K

-42.57%

-17.14%

-3.33%

High Liquid Money Market $25K

-42.40%

-16.28%

-2.70%

High Liquid Money Market $50K

-41.55%

-17.00%

-3.49%

Term Accounts

3 Month CD $25K

-59.09%

-29.87%

-5.26%

6 Month CD $25K

-53.22%

-25.93%

-4.76%

1 Year CD $25K

-45.37%

-20.00%

-2.61%

2 Year CD $25K

-31.90%

-11.24%

-1.25%

5 Year CD $25K

-17.06%

-4.33%

-0.41%

1 Year Jumbo CD

-45.24%

-20.69%

-3.36%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

7.89%

1.99%

0.00%

NSF Fee

0.25%

-1.17%

0.10%

ATM Surcharge Fee

-0.99%

-1.96%

0.00%

Stop Payment Fee

-3.31%

-3.55%

0.04%

Bill Pay Monthly Fee

93.45%

72.77%

0.30%

Direct Auto Loans

New - 3 yr term, $20K

-5.65%

-2.07%

-0.65%

New - 4 yr term, $25K

-5.71%

-1.64%

-0.34%

New - 5 yr term, $30K

-6.11%

-2.03%

-0.87%

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

-3.91%

-3.06%

-1.40%

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

-5.01%

-2.65%

-1.74%

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

-4.99%

-2.47%

-1.50%

Conventional First Mortgage

15 Year Fixed Conforming

-7.09%

-6.25%

1.66%

30 Year Fixed Conforming

-0.58%

-4.57%

2.48%

15 Year Fixed Jumbo

-13.34%

-6.08%

1.30%

30 Year Fixed Jumbo

-10.93%

-4.61%

0.70%

3 Year Adjustable Conforming

-15.16%

-9.95%

-2.00%

5 Year Adjustable Conforming

-15.73%

-10.16%

-1.20%

7 Year Adjustable Conforming

-14.45%

-9.39%

-0.76%