Trend - Percentage Change…

As of December 21, 2010

Liquid Accounts

from November 22, 2010

from June 21, 2010

from December 21, 2009

From December 2008

From December 2007

From December 2006

Interest Checking $2,500

-2.63%

0.00%

-5.13%

-31.48%

-43.08%

-43.94%

Premium Interest Checking $10K

0.00%

-4.76%

-11.11%

-39.39%

-55.56%

-57.45%

Regular Savings $1K

0.00%

-13.33%

-21.21%

-51.85%

-64.86%

-65.33%

Money Market $10K

-2.38%

-19.61%

-31.67%

-64.66%

-80.38%

-81.11%

High Liquid Money Market $25K

-5.77%

-20.97%

-33.78%

-65.97%

-81.65%

-82.37%

High Liquid Money Market $50K

-3.33%

-19.44%

-32.56%

-64.85%

-80.47%

-81.17%

Term Accounts

3 Month CD $25K

-6.06%

-27.91%

-45.61%

-81.66%

-90.00%

-90.25%

6 Month CD $25K

-4.00%

-26.15%

-42.86%

-77.14%

-86.99%

-87.69%

1 Year CD $25K

-4.11%

-25.53%

-39.13%

-71.31%

-82.28%

-83.61%

2 Year CD $25K

-2.80%

-25.71%

-35.00%

-61.48%

-73.80%

-75.81%

5 Year CD $25K

-1.06%

-19.83%

-23.77%

-43.98%

-55.71%

-59.12%

1 Year Jumbo CD

-3.95%

-24.74%

-38.66%

-70.68%

-81.89%

-83.30%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

0.00%

4.44%

6.99%

15.24%

13.25%

8.58%

NSF Fee

-0.14%

0.21%

1.43%

0.62%

2.91%

3.98%

ATM Surcharge Fee

0.96%

2.44%

5.00%

5.00%

14.13%

21.39%

Stop Payment Fee

0.07%

0.55%

0.77%

-2.32%

-0.36%

2.32%

Bill Pay Monthly Fee

-0.15%

0.59%

0.30%

93.45%

128.62%

158.17%

Direct Auto Loans

New - 3 yr term, $20K

-0.82%

-3.77%

-10.89%

-15.77%

-22.11%

-22.61%

New - 4 yr term, $25K

-0.80%

-4.55%

-11.15%

-16.23%

-21.50%

-22.33%

New - 5 yr term, $30K

-0.62%

-4.42%

-10.89%

-16.01%

-21.02%

-22.40%

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

-0.81%

-5.40%

-13.01%

-17.62%

-22.29%

-22.33%

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

-0.82%

-3.72%

-11.71%

-15.58%

-21.33%

-21.12%

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

-1.12%

-2.96%

-10.60%

-14.82%

-21.20%

-20.79%

Conventional First Mortgage

15 Year Fixed Conforming

8.31%

-0.73%

-5.16%

-16.36%

-27.10%

-26.69%

30 Year Fixed Conforming

8.28%

1.01%

-2.40%

-6.98%

-20.80%

-21.60%

15 Year Fixed Jumbo

6.43%

-2.77%

-9.86%

-25.76%

-23.00%

-15.71%

30 Year Fixed Jumbo

5.75%

-2.00%

-8.67%

-21.43%

-19.06%

-13.19%

3 Year Adjustable Conforming

1.43%

-8.41%

-7.38%

-23.85%

-53.12%

-52.56%

5 Year Adjustable Conforming

2.52%

-8.02%

-7.92%

-25.58%

-51.04%

-50.31%

7 Year Adjustable Conforming

3.80%

-7.61%

-8.98%

-25.54%

-47.77%

-46.91%