Trend - Percentage Change from

Liquid Accounts

from February 20, 2009

from August 21, 2009

from December 21, 2009

Interest Checking $2,500

-17.39%

-7.32%

-2.56%

Premium Interest Checking $10K

-21.82%

-10.42%

-4.44%

Regular Savings $1K

-28.26%

-5.71%

0.00%

Money Market $10K

-38.71%

-16.18%

-5.00%

High Liquid Money Market $25K

-39.66%

-16.67%

-5.41%

High Liquid Money Market $50K

-39.10%

-16.49%

-5.81%

Term Accounts

3 Month CD $25K

-55.56%

-27.78%

-8.77%

6 Month CD $25K

-49.35%

-24.27%

-7.14%

1 Year CD $25K

-42.02%

-19.26%

-5.22%

2 Year CD $25K

-28.24%

-11.43%

-3.13%

5 Year CD $25K

-13.57%

-4.35%

-0.82%

1 Year Jumbo CD

-41.97%

-19.42%

-5.88%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

7.50%

0.49%

0.16%

NSF Fee

0.38%

-0.86%

0.56%

ATM Surcharge Fee

-1.48%

-2.91%

0.00%

Stop Payment Fee

-3.28%

-3.52%

0.07%

Bill Pay Monthly Fee

92.59%

72.01%

-0.15%

Direct Auto Loans

New - 3 yr term, $20K

-6.00%

-2.69%

-1.49%

New - 4 yr term, $25K

-5.69%

-2.65%

-1.42%

New - 5 yr term, $30K

-6.14%

-3.43%

-2.05%

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

-5.53%

-2.84%

-1.29%

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

-5.19%

-2.69%

-1.90%

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

-5.02%

-2.57%

-1.84%

Conventional First Mortgage

15 Year Fixed Conforming

-8.43%

-4.22%

0.63%

30 Year Fixed Conforming

-1.93%

-3.21%

1.87%

15 Year Fixed Jumbo

-12.88%

-6.57%

-0.02%

30 Year Fixed Jumbo

-11.60%

-5.90%

-0.85%

3 Year Adjustable Conforming

-20.11%

-8.66%

-2.90%

5 Year Adjustable Conforming

-19.74%

-8.56%

-2.27%

7 Year Adjustable Conforming

-18.14%

-7.88%

-2.27%