- The document contains charts from Raddon Chart of the Day publications from October 2012 analyzing consumer behavior and perceptions. - One chart shows that 34% of households that made a financial referral said rewards programs influenced their recommendation, while 66% said it did not. - Another chart shows that most (88%) households that made a referral were not rewarded for it. - A third chart shows that 70% of primary customers at financial institutions have recommended their institution to family/friends.

1. Raddon Chart of the Day
October 18, 2012
Influence of a Rewards Program on a Customer Referral
34% Rewards Program Existence
Influenced Recommendation
Rewards Program Existence Did Not
66% Influence Recommendation
Base: Households That Made a PFI Recommendation
and Received a Reward for the Referral
Source: Raddon Financial Group, National Consumer Research – Spring 2012
©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
October 16, 2012
Most Households Were Not Rewarded For
Recommending Their PFI to Family/Friends
100%
90% 88%
80%
70%
60%
50%
Base: Households That Made a PFI Recommendation
40%
30%
20%
10% 7% 4% 1%
0%
Yes, Both Parties Yes, I Received Yes, They Received No, Neither
Rewarded Reward Reward Rewarded
Source: Raddon Financial Group, National Consumer Research – Spring 2012
©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
October 11, 2012
Primary Customers That Have Recommended
Their PFI to Family Members and/or Friends
80%
70%
70%
60%
50%
50% 48%
40% 37%
30%
20%
10%
0%
All Households Big Bank Primary Other Bank Primary Credit Union Primary
Customers Customers Members
Source: Raddon Financial Group, National Consumer Research – Spring 2012
©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
October 9, 2012
Things That Consumers Have Put Off Given the
Economy or Their Personal Financial Situation
Take a Vacation 28%
Do Some Home Improvements 27%
Buy a New Car 19%
Buy Major Household Appliance 14%
Purchase a New Home 11%
Buy a Used Car 11%
Recreational Purchase 5%
Purchase a Second Home 3%
Other 6%
None of the Above 37%
0% 5% 10% 15% 20% 25% 30% 35% 40%
Source: Raddon Financial Group, National Consumer Research – Spring 2012
©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
October 4, 2012
Most Consumers Report That Their Job Situation Did Not
Prevent Them From Applying For a Loan
15%
Job Situation Prevented Applying
for a Loan
Job Situation Did Not Prevent
Applying for a Loan
85%
Percent of All Households
Source: Raddon Financial Group, National Consumer Research – Spring 2012
©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
October 2, 2012
Wage Earners Employment Status
60%
50% 48%
39%
40%
30% 26%
23%
20% 18%
14% 13%
10% 8% 7%
4%
0%
Stably Employed Employed but Unemployed Under Employed Retired
Concerned
Primary Wage Earner's Employment Status
Secondary Wage Earner's Employment Status
Source: Raddon Financial Group, National Consumer Research – Spring 2012
©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
September 27, 2012
Impact of the Economy on Consumers or an Immediate Family
Member’s Employment Situation in the Past Two Years
30%
25% 26% 24%
25%
23%
20% 19%
20%
18%
16%
14% 13% 15%
15% 13%
10%
5%
0%
Lost Job Reduced Hours/Pay Reduced Salary Benefits Reduced
Spring '11 Fall '11 Spring '12
Source: Raddon Financial Group, National Consumer Research – Spring 2012
©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
September 25, 2012
Some Consumers Perceive That They Are Seeing
Signs That the Economy is Improving
80%
69%
70%
61%
60% 57%
50%
40%
30%
21%
20% 16%
12% 12% 11% 13% 15%
10% 6% 5%
0%
See No Evidence the Just Begun to See Signs Definitely See Evidence Not Sure
Recession Is Over the Recession Is Ending Economy Is Improving
Spring '11 Fall '11 Spring '12
Source: Raddon Financial Group, National Consumer Research – Spring 2012
©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
September 20, 2012
Consumer Perceptions of Their Personal Situation in
the Next Six Months in Comparison to Today
70%
60% 57%59%59%
55%
53% 53%
50%
40%
29%
30%
21% 20%20%20% 21%
20% 16% 15% 14%15%15%
10%
10%
0%
Better Shape About the Same Worse Shape
Spring '07 Spring '08 Spring '09 Spring '10 Spring '11 Spring '12
Source: Raddon Financial Group, National Consumer Research – Spring 2012
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500