Trend - Percentage Change…

As of November 22, 2010

Liquid Accounts

from October 21, 2010

from June 21, 2010

from December 21, 2009

Interest Checking $2,500

2.70%

2.70%

-2.56%

Premium Interest Checking $10K

0.00%

-4.76%

-11.11%

Regular Savings $1K

-3.70%

-13.33%

-21.21%

Money Market $10K

-4.55%

-17.65%

-30.00%

High Liquid Money Market $25K

-1.89%

-16.13%

-29.73%

High Liquid Money Market $50K

-3.23%

-16.67%

-30.23%

Term Accounts

3 Month CD $25K

-2.94%

-23.26%

-42.11%

6 Month CD $25K

-3.85%

-23.08%

-40.48%

1 Year CD $25K

-5.19%

-22.34%

-36.52%

2 Year CD $25K

-5.31%

-23.57%

-33.13%

5 Year CD $25K

-4.08%

-18.97%

-22.95%

1 Year Jumbo CD

-3.80%

-21.65%

-36.13%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

0.61%

4.44%

6.99%

NSF Fee

0.17%

0.35%

1.57%

ATM Surcharge Fee

0.00%

1.46%

4.00%

Stop Payment Fee

0.00%

0.48%

0.70%

Bill Pay Monthly Fee

0.59%

0.74%

0.44%

Direct Auto Loans

New - 3 yr term, $20K

-0.38%

-2.97%

-10.15%

New - 4 yr term, $25K

-0.53%

-3.78%

-10.43%

New - 5 yr term, $30K

-0.02%

-3.82%

-10.33%

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

-0.84%

-4.63%

-12.30%

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

0.13%

-2.93%

-10.98%

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

0.59%

-1.86%

-9.58%

Conventional First Mortgage

15 Year Fixed Conforming

3.46%

-8.35%

-12.43%

30 Year Fixed Conforming

4.06%

-6.72%

-9.87%

15 Year Fixed Jumbo

4.94%

-8.64%

-15.31%

30 Year Fixed Jumbo

4.34%

-7.32%

-13.63%

3 Year Adjustable Conforming

-0.03%

-9.70%

-8.68%

5 Year Adjustable Conforming

0.75%

-10.29%

-10.19%

7 Year Adjustable Conforming

2.06%

-10.99%

-12.31%