1. Raddon Chart of the Day
February 14, 2012
Consumers Use of a Personal Financial
Management Software Program
2%
13%
Use PFM Software Program
Do Not Use PFM Software
Program
Do Not Know
85%
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

2. Raddon Chart of the Day
February 9, 2012
Online Services Consumers Currently Use
E-Statements 38%
Check Imaging 34%
Order Checks 27%
PtoP Payment 27%
E-Mail Fraud Alert 15%
E-Mail Balance Alert 14%
E-Mail Dir. Dep. Alert 9%
Text Balance Alert 5%
Text Fraud Alert 3%
Text Dir. Dep. Alert 3%
0% 5% 10% 15% 20% 25% 30% 35% 40%
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

3. Raddon Chart of the Day
February 7, 2012
Financial Activities Consumers Have
Performed While Online in the Past Two Years
Shopped for a Loan 13%
Applied for a Loan 10%
Shopped for a Savings Account 7%
Opened a Savings Account 7%
Shopped for a Checking Account 6%
Shopped for a CD 6%
Opened a Loan 5%
Opened a Checking Account 5%
Opened a CD 3%
0% 2% 4% 6% 8% 10% 12% 14%
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

4. Raddon Chart of the Day
February 1, 2012
Value Consumers Place on a
35% Debit Card Courtesy Pay Service
30% 31%
30%
27%
25%
20%
15% 13%
10%
5%
0%
Extremely Valuable Somewhat Valuable Not Very Valuable Not at All Valuable
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

5. Raddon Chart of the Day
January 19, 2012
Acceptable Changes For Future Debit Card Use
Small Fee Charged per Each Use 4%
Purchase Limit of $100 per Use 2%
Monthly Charge 2%
Yearly Fee 1%
Purchase Limit of $50 per Use 1%
None of the Above – Would Stop Using My Debit Card 32%
None of the Above – Would Look for Another Provider
without Charges 47%
Do Not Use a Debit Card 31%
0% 10% 20% 30% 40% 50%
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

6. Raddon Chart of the Day
January 17, 2012
Consumers’ That Have Had a Debit Card
Purchase Denied In the Last Six Months
4%
Have Had a Debit Card
Purchase Denied
Have Not Had a Debit Card
Purchase Denied
96%
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

7. Raddon Chart of the Day
January 12, 2012
Consumers’ Likelihood to Use
a Smart ATM to Deposit Funds
30%
25% 25%
25% 24%
20%
15%
15%
11%
10%
5%
0%
Extremely Likely Very Likely Somewhat Likely Not Very Likely Not at All Likely
Total
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

8. Raddon Chart of the Day
January 10, 2012
Reasons Why Consumers Will Not
Use an ATM to Deposit Funds
I Prefer Dealing Directly with a Teller When
58%
Depositing Funds
I Never Use ATMs 23%
No Need – I Don’t Get Any Non-Payroll
21%
Checks
I Don’t Trust ATMs – I Worry about Mistakes 15%
There Are No ATMs Convenient for Me to
4%
Use
0% 10% 20% 30% 40% 50% 60% 70%
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

9. Raddon Chart of the Day
January 6, 2012
Consumers That Have Deposited
Funds Into an ATM
33%
67%
Have Deposited Funds into an ATM Have Not Deposited Funds into an ATM
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

10. Raddon Chart of the Day
January 4, 2012
Consumers Remote Deposit Capture Use and
Likelihood to Use Such a Service
40% 37%
35%
30% 28%
25%
20% 17%
15%
10% 8%
6%
5% 4%
0%
Currently Use Extremely Very Likely Somewhat Not Very Not at All
Likely Likely Likely Likely
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500