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<div id=3D"STATE-RateAvgs_2356" align=3Dcenter x:publishsource=3D"Excel">

<table x:str border=3D0 cellpadding=3D0 cellspacing=3D0 width=3D436 style=
=3D'border-collapse:
 collapse;table-layout:fixed;width:327pt'>
 <col width=3D196 style=3D'mso-width-source:userset;mso-width-alt:5575;widt=
h:147pt'>
 <col width=3D80 span=3D3 style=3D'width:60pt'>
 <tr height=3D24 style=3D'mso-height-source:userset;height:18.0pt'>
  <td height=3D24 class=3Dxl262356 width=3D196 style=3D'height:18.0pt;width=
:147pt'>Product
  Name</td>
  <td class=3Dxl322356 width=3D80 style=3D'width:60pt'>CA</td>
  <td class=3Dxl312356 width=3D80 style=3D'width:60pt'>CU</td>
  <td class=3Dxl312356 width=3D80 style=3D'width:60pt'>Bank</td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl312356 style=3D'height:16.5pt'><a name=3D"RANGE=
!A2:B35"></a><a
  name=3D"RANGE!A2:B35">09/05/2008</a></td>
  <td class=3Dxl312356>Avg</td>
  <td class=3Dxl312356>Avg</td>
  <td class=3Dxl312356>Avg</td>
 </tr>
 <tr height=3D24 style=3D'mso-height-source:userset;height:18.0pt'>
  <td height=3D24 class=3Dxl252356 style=3D'height:18.0pt'>New Auto 48mos</=
td>
  <td class=3Dxl282356 x:num=3D"6.2249999999999996" x:fmla=3D"=3DAVERAGE(C3=
:D3)">6.225 </td>
  <td class=3Dxl282356 x:num=3D"5.72">5.720 </td>
  <td class=3Dxl282356 x:num=3D"6.73">6.730 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>New Auto 60mos</=
td>
  <td class=3Dxl282356 x:num=3D"6.28" x:fmla=3D"=3DAVERAGE(C4:D4)">6.280 </=
td>
  <td class=3Dxl282356 x:num=3D"5.78">5.780 </td>
  <td class=3Dxl282356 x:num=3D"6.78">6.780 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Used Auto 36mos<=
/td>
  <td class=3Dxl282356 x:num=3D"6.5650000000000004" x:fmla=3D"=3DAVERAGE(C5=
:D5)">6.565 </td>
  <td class=3Dxl282356 x:num=3D"5.95">5.950 </td>
  <td class=3Dxl282356 x:num=3D"7.18">7.180 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Used Auto 48mos<=
/td>
  <td class=3Dxl282356 x:num=3D"6.62" x:fmla=3D"=3DAVERAGE(C6:D6)">6.620 </=
td>
  <td class=3Dxl282356 x:num=3D"6.02">6.020 </td>
  <td class=3Dxl282356 x:num=3D"7.22">7.220 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'></td>
  <td class=3Dxl282356></td>
  <td class=3Dxl282356></td>
  <td class=3Dxl282356></td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Home Equity LOC =
80%</td>
  <td class=3Dxl282356 x:num=3D"5.41" x:fmla=3D"=3DAVERAGE(C8:D8)">5.410 </=
td>
  <td class=3Dxl282356 x:num=3D"5.1">5.100 </td>
  <td class=3Dxl282356 x:num=3D"5.72">5.720 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Home Equity Loan=
 80% 60mo<span
  style=3D'display:none'>s</span></td>
  <td class=3Dxl282356 x:num=3D"7.1749999999999998" x:fmla=3D"=3DAVERAGE(C9=
:D9)">7.175 </td>
  <td class=3Dxl282356 x:num=3D"6.5">6.500 </td>
  <td class=3Dxl282356 x:num=3D"7.85">7.850 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'></td>
  <td class=3Dxl282356></td>
  <td class=3Dxl282356></td>
  <td class=3Dxl282356></td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Unsecured 36mos<=
/td>
  <td class=3Dxl282356 x:num=3D"12.81" x:fmla=3D"=3DAVERAGE(C11:D11)">12.81=
0 </td>
  <td class=3Dxl282356 x:num=3D"11.61">11.610 </td>
  <td class=3Dxl282356 x:num=3D"14.01">14.010 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'></td>
  <td class=3Dxl282356></td>
  <td class=3Dxl282356></td>
  <td class=3Dxl282356></td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>ARM 1 year</td>
  <td class=3Dxl292356
  x:fmla=3D"=3DIF(ISERROR(AVERAGE(C13:D13)=3DTRUE),&quot;NA&quot;,AVERAGE(C=
13:D13))">NA</td>
  <td class=3Dxl292356>NA</td>
  <td class=3Dxl292356>NA</td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>ARM 3 year</td>
  <td class=3Dxl282356 x:num=3D"5.91" x:fmla=3D"=3DAVERAGE(C14:D14)">5.910 =
</td>
  <td class=3Dxl282356 x:num=3D"5.85">5.850 </td>
  <td class=3Dxl282356 x:num=3D"5.97">5.970 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>ARM 5 year</td>
  <td class=3Dxl282356 x:num=3D"5.96" x:fmla=3D"=3DAVERAGE(C15:D15)">5.960 =
</td>
  <td class=3Dxl282356 x:num=3D"5.97">5.970 </td>
  <td class=3Dxl282356 x:num=3D"5.95">5.950 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Fixed 15 year</t=
d>
  <td class=3Dxl282356 x:num=3D"6.15" x:fmla=3D"=3DAVERAGE(C16:D16)">6.150 =
</td>
  <td class=3Dxl282356 x:num=3D"5.98">5.980 </td>
  <td class=3Dxl282356 x:num=3D"6.32">6.320 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Fixed 30 year</t=
d>
  <td class=3Dxl282356 x:num=3D"6.5549999999999997" x:fmla=3D"=3DAVERAGE(C1=
7:D17)">6.555
  </td>
  <td class=3Dxl282356 x:num=3D"6.46">6.460 </td>
  <td class=3Dxl282356 x:num=3D"6.65">6.650 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'></td>
  <td class=3Dxl282356></td>
  <td class=3Dxl282356></td>
  <td class=3Dxl282356></td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Credit Card</td>
  <td class=3Dxl282356 x:num=3D"13.16" x:fmla=3D"=3DAVERAGE(C19:D19)">13.16=
0 </td>
  <td class=3Dxl282356 x:num=3D"12.21">12.210 </td>
  <td class=3Dxl282356 x:num=3D"14.11">14.110 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Credit Card Plat=
inum</td>
  <td class=3Dxl282356 x:num=3D"9.4649999999999999" x:fmla=3D"=3DAVERAGE(C2=
0:D20)">9.465
  </td>
  <td class=3Dxl282356 x:num=3D"9.78">9.780 </td>
  <td class=3Dxl282356 x:num=3D"9.15">9.150 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'></td>
  <td class=3Dxl282356></td>
  <td class=3Dxl282356></td>
  <td class=3Dxl282356></td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Regular Savings<=
/td>
  <td class=3Dxl282356 x:num=3D"0.5" x:fmla=3D"=3DAVERAGE(C22:D22)">0.500 <=
/td>
  <td class=3Dxl282356 x:num=3D"0.6">0.600 </td>
  <td class=3Dxl282356 x:num=3D"0.4">0.400 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Interest Checkin=
g</td>
  <td class=3Dxl282356 x:num=3D"0.38" x:fmla=3D"=3DAVERAGE(C23:D23)">0.380 =
</td>
  <td class=3Dxl282356 x:num=3D"0.41">0.410 </td>
  <td class=3Dxl282356 x:num=3D"0.35">0.350 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Money Market &lt=
;10k</td>
  <td class=3Dxl282356 x:num=3D"0.95" x:fmla=3D"=3DAVERAGE(C24:D24)">0.950 =
</td>
  <td class=3Dxl282356 x:num=3D"1.15">1.150 </td>
  <td class=3Dxl282356 x:num=3D"0.75">0.750 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Money Market 10k=
</td>
  <td class=3Dxl282356 x:num=3D"1.2949999999999999" x:fmla=3D"=3DAVERAGE(C2=
5:D25)">1.295
  </td>
  <td class=3Dxl282356 x:num=3D"1.5">1.500 </td>
  <td class=3Dxl282356 x:num=3D"1.09">1.090 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Money Market 25k=
</td>
  <td class=3Dxl282356 x:num=3D"1.58" x:fmla=3D"=3DAVERAGE(C26:D26)">1.580 =
</td>
  <td class=3Dxl282356 x:num=3D"1.82">1.820 </td>
  <td class=3Dxl282356 x:num=3D"1.34">1.340 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Money Market 50k=
</td>
  <td class=3Dxl282356 x:num=3D"1.8149999999999999" x:fmla=3D"=3DAVERAGE(C2=
7:D27)">1.815
  </td>
  <td class=3Dxl282356 x:num=3D"2.09">2.090 </td>
  <td class=3Dxl282356 x:num=3D"1.54">1.540 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>Money Market 100=
k</td>
  <td class=3Dxl282356 x:num=3D"2.02" x:fmla=3D"=3DAVERAGE(C28:D28)">2.020 =
</td>
  <td class=3Dxl282356 x:num=3D"2.33">2.330 </td>
  <td class=3Dxl282356 x:num=3D"1.71">1.710 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'></td>
  <td class=3Dxl282356></td>
  <td class=3Dxl282356></td>
  <td class=3Dxl282356></td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>CD 10k 12mos</td>
  <td class=3Dxl282356 x:num=3D"2.76" x:fmla=3D"=3DAVERAGE(C30:D30)">2.760 =
</td>
  <td class=3Dxl282356 x:num=3D"2.93">2.930 </td>
  <td class=3Dxl282356 x:num=3D"2.59">2.590 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>CD 10k 24mos</td>
  <td class=3Dxl282356 x:num=3D"2.9550000000000001" x:fmla=3D"=3DAVERAGE(C3=
1:D31)">2.955
  </td>
  <td class=3Dxl282356 x:num=3D"3.1">3.100 </td>
  <td class=3Dxl282356 x:num=3D"2.81">2.810 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>CD 10k 36mos</td>
  <td class=3Dxl282356 x:num=3D"3.14" x:fmla=3D"=3DAVERAGE(C32:D32)">3.140 =
</td>
  <td class=3Dxl282356 x:num=3D"3.3">3.300 </td>
  <td class=3Dxl282356 x:num=3D"2.98">2.980 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>CD 10k 48mos</td>
  <td class=3Dxl282356 x:num=3D"3.4449999999999998" x:fmla=3D"=3DAVERAGE(C3=
3:D33)">3.445
  </td>
  <td class=3Dxl282356 x:num=3D"3.53">3.530 </td>
  <td class=3Dxl282356 x:num=3D"3.36">3.360 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl252356 style=3D'height:16.5pt'>CD 10k 60mos</td>
  <td class=3Dxl282356 x:num=3D"3.6949999999999998" x:fmla=3D"=3DAVERAGE(C3=
4:D34)">3.695
  </td>
  <td class=3Dxl282356 x:num=3D"3.77">3.770 </td>
  <td class=3Dxl282356 x:num=3D"3.62">3.620 </td>
 </tr>
 <tr height=3D22 style=3D'height:16.5pt'>
  <td height=3D22 class=3Dxl302356 style=3D'height:16.5pt'></td>
  <td class=3Dxl272356></td>
  <td class=3Dxl272356></td>
  <td class=3Dxl272356></td>
 </tr>
 <![if supportMisalignedColumns]>
 <tr height=3D0 style=3D'display:none'>
  <td width=3D196 style=3D'width:147pt'></td>
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  <td width=3D80 style=3D'width:60pt'></td>
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