Trend - Percentage Change…

As of September 21, 2010

Liquid Accounts

from August 20, 2010

from December 21, 2009

from September 21, 2009

Interest Checking $2,500

0.00%

-5.13%

-9.76%

Premium Interest Checking $10K

-2.44%

-11.11%

-14.89%

Regular Savings $1K

-3.45%

-15.15%

-20.00%

Money Market $10K

-4.17%

-23.33%

-31.34%

High Liquid Money Market $25K

-3.45%

-24.32%

-31.71%

High Liquid Money Market $50K

-4.41%

-24.42%

-31.58%

Term Accounts

3 Month CD $25K

-7.69%

-36.84%

-47.83%

6 Month CD $25K

-6.78%

-34.52%

-43.88%

1 Year CD $25K

-5.81%

-29.57%

-37.69%

2 Year CD $25K

-6.25%

-25.00%

-30.23%

5 Year CD $25K

-5.09%

-15.98%

-18.65%

1 Year Jumbo CD

-5.62%

-29.41%

-37.31%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

1.39%

6.50%

6.33%

NSF Fee

0.49%

1.36%

0.07%

ATM Surcharge Fee

0.97%

4.00%

0.97%

Stop Payment Fee

0.22%

0.55%

-3.13%

Bill Pay Monthly Fee

-0.44%

-0.44%

71.50%

Direct Auto Loans

New - 3 yr term, $20K

-0.38%

-9.14%

-10.59%

New - 4 yr term, $25K

-0.25%

-9.15%

-10.58%

New - 5 yr term, $30K

-0.73%

-9.51%

-11.10%

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

-0.70%

-10.06%

-11.38%

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

-0.41%

-10.37%

-11.22%

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

-0.11%

-9.85%

-10.43%

Conventional First Mortgage

15 Year Fixed Conforming

-1.36%

-11.04%

-13.24%

30 Year Fixed Conforming

-0.77%

-9.92%

-11.97%

15 Year Fixed Jumbo

0.41%

-14.60%

-17.41%

30 Year Fixed Jumbo

-0.21%

-13.22%

-15.90%

3 Year Adjustable Conforming

-3.03%

-6.97%

-10.70%

5 Year Adjustable Conforming

-3.08%

-8.31%

-12.15%

7 Year Adjustable Conforming

-3.18%

-11.12%

-14.13%