Trend - Percentage Change…

As of July 21, 2010

Liquid Accounts

from July 21, 2010

from December 21, 2009

from August 21, 2009

Interest Checking $2,500

0.00%

-5.13%

-9.76%

Premium Interest Checking $10K

0.00%

-8.89%

-14.58%

Regular Savings $1K

0.00%

-12.12%

-17.14%

Money Market $10K

-2.04%

-20.00%

-29.41%

High Liquid Money Market $25K

-3.33%

-21.62%

-30.95%

High Liquid Money Market $50K

-2.86%

-20.93%

-29.90%

Term Accounts

3 Month CD $25K

-4.88%

-31.58%

-45.83%

6 Month CD $25K

-4.84%

-29.76%

-42.72%

1 Year CD $25K

-5.49%

-25.22%

-36.30%

2 Year CD $25K

-5.19%

-20.00%

-26.86%

5 Year CD $25K

-4.00%

-11.48%

-14.62%

1 Year Jumbo CD

-5.32%

-25.21%

-35.97%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

2.54%

5.04%

5.38%

NSF Fee

0.14%

0.87%

-0.55%

ATM Surcharge Fee

0.00%

3.00%

0.00%

Stop Payment Fee

0.04%

0.33%

-3.27%

Bill Pay Monthly Fee

0.30%

0.00%

72.26%

Direct Auto Loans

New - 3 yr term, $20K

-0.73%

-8.79%

-9.90%

New - 4 yr term, $25K

-1.13%

-8.93%

-10.06%

New - 5 yr term, $30K

-1.38%

-8.84%

-10.12%

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

-1.32%

-9.42%

-10.85%

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

-1.19%

-10.00%

-10.73%

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

-0.75%

-9.74%

-10.42%

Conventional First Mortgage

15 Year Fixed Conforming

-3.10%

-9.81%

-14.16%

30 Year Fixed Conforming

-2.85%

-9.23%

-13.75%

15 Year Fixed Jumbo

-4.80%

-14.96%

-20.53%

30 Year Fixed Jumbo

-3.83%

-13.04%

-17.48%

3 Year Adjustable Conforming

-2.99%

-4.07%

-9.75%

5 Year Adjustable Conforming

-3.57%

-5.40%

-11.50%

7 Year Adjustable Conforming

-4.00%

-8.20%

-13.47%