In this study a customer database from a Finnish bank is used and analyzed. The data consisted only of personal customer. The data at hand was collected from time period December 2001 till September 2005. Each time step consisted data from previous 3 month period, so for this study there was 12 relevant data points. The notation used for the rest of the paper is t = {0, 1, 2,… , 11}, which means that March 2003: t=1, and June 2003: t=2.