Changes

Liquid Accounts

from October 20, 2008

from September 21, 2009

from December 19, 2008

Interest Checking $2,500

-31.03%

-2.44%

-25.93%

Premium Interest Checking $10K

-36.11%

-2.13%

-30.30%

Regular Savings $1K

-39.29%

-2.86%

-37.04%

Money Market $10K

-50.76%

-2.99%

-43.97%

High Liquid Money Market $25K

-50.92%

-2.44%

-44.44%

High Liquid Money Market $50K

-50.00%

-2.11%

-43.64%

Term Accounts

3 Month CD $25K

-67.86%

-8.70%

-62.72%

6 Month CD $25K

-60.59%

-5.10%

-55.71%

1 Year CD $25K

-53.70%

-3.85%

-48.77%

2 Year CD $25K

-41.92%

-1.74%

-37.41%

5 Year CD $25K

-29.38%

-0.79%

-24.70%

1 Year Jumbo CD

-53.26%

-3.73%

-48.19%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

10.47%

2.76%

10.86%

NSF Fee

2.82%

0.83%

1.32%

ATM Surcharge Fee

4.55%

0.49%

3.50%

Stop Payment Fee

0.72%

-0.11%

0.50%

Bill Pay Monthly Fee

118.10%

74.81%

95.73%

Direct Auto Loans

New - 3 yr term, $20K

-5.55%

-0.93%

-4.84%

New - 4 yr term, $25K

-6.09%

-1.43%

-5.58%

New - 5 yr term, $30K

-6.11%

-1.66%

-5.65%

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

-5.04%

-1.00%

-4.85%

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

-4.83%

-0.91%

-4.36%

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

-4.36%

-0.12%

-4.21%

Conventional First Mortgage

15 Year Fixed Conforming

-25.14%

-1.04%

-10.52%

30 Year Fixed Conforming

-20.16%

-0.80%

-3.25%

15 Year Fixed Jumbo

-23.21%

-2.86%

-17.28%

30 Year Fixed Jumbo

-17.58%

-1.96%

-12.98%

3 Year Adjustable Conforming

-33.35%

-0.95%

-15.16%

5 Year Adjustable Conforming

-33.81%

-1.42%

-16.85%

7 Year Adjustable Conforming

-32.55%

-1.51%

-16.59%