Liquid Accounts

Change from Dec 21, 2006

Change from October 19, 2007

Interest Checking $2,500

0.00%

-1.49%

Premium Interest Checking $10K

-2.13%

-2.13%

Regular Savings $1K

0.00%

-1.32%

Money Market $10K

-2.30%

-3.20%

High Liquid Money Market $25K

-1.44%

-1.08%

High Liquid Money Market $50K

-0.97%

-1.29%

Term Accounts

3 Month CD $25K

-1.26%

-1.88%

6 Month CD $25K

-3.59%

-2.59%

1 Year CD $25K

-5.62%

-2.66%

2 Year CD $25K

-5.35%

-2.40%

5 Year CD $25K

-5.27%

-2.05%

1 Year Jumbo CD

-5.72%

-2.60%

Average Checking Fees & Service Charges at Nat'l Banks

Flat Fee Checking — Monthly Fee

-4.29%

-3.81%

NSF Fee

1.11%

0.28%

ATM Surcharge Fee

5.20%

0.55%

Stop Payment Fee

2.17%

0.40%

Bill Pay Monthly Fee

12.93%

0.00%

Direct Auto Loans

New - 3 yr term, $20K

0.06%

-0.30%

New - 4 yr term, $25K

-0.25%

-0.24%

New - 5 yr term, $30K

-1.01%

-0.35%

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

0.52%

-0.30%

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

0.98%

-0.10%

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

1.15%

0.27%

Conventional First Mortgage

15 Year Fixed Conforming

1.81%

-2.51%

30 Year Fixed Conforming

-0.19%

-2.40%

15 Year Fixed Jumbo

10.76%

-2.28%

30 Year Fixed Jumbo

7.59%

-1.83%

3 Year Adjustable Conforming

0.54%

-5.08%

5 Year Adjustable Conforming

0.66%

-4.84%

7 Year Adjustable Conforming

0.90%

-4.53%