Trend - Percentage Change…

As of July 21, 2010

Liquid Accounts

from June 21, 2010

from December 21, 2009

from July 21, 2009

Interest Checking $2,500

0.00%

-5.13%

-11.90%

Premium Interest Checking $10K

-2.38%

-8.89%

-16.33%

Regular Savings $1K

-3.33%

-12.12%

-19.44%

Money Market $10K

-3.92%

-18.33%

-30.00%

High Liquid Money Market $25K

-3.23%

-18.92%

-30.23%

High Liquid Money Market $50K

-2.78%

-18.60%

-30.00%

Term Accounts

3 Month CD $25K

-4.65%

-28.07%

-46.75%

6 Month CD $25K

-4.62%

-26.19%

-42.59%

1 Year CD $25K

-3.19%

-20.87%

-35.00%

2 Year CD $25K

-3.57%

-15.63%

-24.16%

5 Year CD $25K

-3.02%

-7.79%

-11.42%

1 Year Jumbo CD

-3.09%

-21.01%

-35.17%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

0.00%

2.44%

4.48%

NSF Fee

-0.48%

0.73%

-0.55%

ATM Surcharge Fee

0.49%

3.00%

0.98%

Stop Payment Fee

0.07%

0.29%

-3.31%

Bill Pay Monthly Fee

0.00%

-0.30%

71.76%

Direct Auto Loans

New - 3 yr term, $20K

-0.78%

-8.12%

-9.43%

New - 4 yr term, $25K

-1.05%

-7.89%

-9.09%

New - 5 yr term, $30K

-0.85%

-7.57%

-8.64%

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

-0.18%

-8.21%

-9.76%

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

-0.68%

-8.92%

-9.76%

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

-1.30%

-9.06%

-9.95%

Conventional First Mortgage

15 Year Fixed Conforming

-2.58%

-6.93%

-14.17%

30 Year Fixed Conforming

-3.31%

-6.57%

-12.99%

15 Year Fixed Jumbo

-3.64%

-10.67%

-17.17%

30 Year Fixed Jumbo

-2.98%

-9.58%

-14.35%

3 Year Adjustable Conforming

-2.21%

-1.10%

-9.12%

5 Year Adjustable Conforming

-2.01%

-1.90%

-10.79%

7 Year Adjustable Conforming

-2.93%

-4.37%

-12.69%