The document contains several charts summarizing survey results about consumers' use of prepaid debit cards, comprehensive rewards programs, and financial institutions' presence on social media. The charts show that: most consumers are not currently using prepaid debit cards but are open to using them; offering additional rewards points may not be enough to consolidate accounts at one institution; and few consumers actively engage with financial institutions on social networks or are influenced by financial advice found there.

1. Raddon Chart of the Day
August 28, 2012
Current Prepaid Debit Card Use and the
Likelihood to Use a Prepaid Debit Card
90%
82%
80%
70%
60%
50%
40%
30%
20%
12%
10%
3%
0%
Currently Use Extremely to Somewhat Not Very to Not at All Likely
Likely to Use a Prepaid Card to Use a Prepaid Card
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
August 23, 2012
The Availability of Additional Points in a Comprehensive Rewards May
Not Prompt Consumers to Consolidate Accounts at One Institution
45%
41%
40% Base: Households that currently 38%
participate in a comprehensive rewards
35% program and those that would consider
participating in such a program
30%
25%
20% 18%
15%
10%
5% 3%
0%
Have Consolidated Would Consolidate Do Not Know If Would Would Not Move Accounts
Accounts Accounts for Additional Move Accounts to Get to Get Additional Rewards
Rewards Points Additional Rewards Points Points
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
August 21, 2012
Participation and Attitudes About Participating in a
Comprehensive Rewards Program That Awards Customers
60% Points For Total Accounts and Debit/Credit Card Use
53%
50%
40%
30%
20%
20% 16%
11%
10% 6%
0%
Currently Participate in a If Current Financial Would Consider Switching Would Not Change This Type of Program
Comprehensive Rewards Institution Were to Offer Financial Institutions to Institutions to Get This Does Not Interest Me
Program Such a Program/Would Get This Program If Program/But Would Look
Sign Up for It Current Institution Does to See If One Were
Not Offer It Available If Changing
Banks
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
August 13, 2012
Consumer Households That Have Visited Their Financial
Institution’s Social Network Website
8%
7% 7%
6%
5% 5%
4%
4%
3%
3%
2%
1%
0%
All Households Use Social Netwoking Site
Fall '10 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

5. Raddon Chart of the Day
August 7, 2012
Only One Out of Ten Consumers Have Seen Any Bank
or Credit Union’s Page on a Social Network Site
14%
12% 12%
10%
8% 8%
6%
4%
4% 3%
2%
0%
Have Seen a Financial Institution's Page on Presence of Any One of the Consumer's
a Social Networking Site Financial Institutions on Social Networking
Site
All Households Use Any Social Netwoking Site
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
August 2, 2012
One Out of Ten Consumers Have Clicked on Any Company’s
Ad/Promotion/Offer on a Social Network Site
16% 15%
14%
12%
10%
10%
8%
6%
4% 3%
2%
2%
0%
Have Clicked on Any Company’s Have Clicked on Any FI’s
Promotional/Advertising/Special Offer Promotional/Advertising/Special Offer
All Households Use Any Social Netwoking Site
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
July 31, 2012
Level of Confidence Consumers Would Have in Obtaining
Financial Advice From a Social Network
50% 47%
45%
45%
40%
40% 37%
35%
30%
25%
20%
15% 13%
10% 9%
5%
1% 1%
0%
Very Confident Confident Not Very Confident Not at All Confident
All Households Use Any Social Netwoking Site
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
July 24, 2012
Only a Small Portion of All Consumer Households
Were Influenced by the Advice Found on a Social
Network Site to Make a Financial Product Purchase
12%
10%
10%
8%
6%
4%
2% 1%
0%
Social Network Information/Advice Influenced Social Network Information/Advice Influenced a
Any Product Purchase Financial Product Purchase
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
July 19, 2012
One out of 10 Consumers Were Influenced By the Info/Advice
Found on a Social Network Site to Make Any Product Purchase
8% 10% Percent of All Households
Social Network Advice Influenced a
Product Purchase
Social Network Advice Did Not
Influence a Product Purchase
No Response
82%
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

10. Raddon Chart of the Day
July 17, 2012
Social Networking Websites That Consumers
Access Within the Course of a Typical Month
Access of Any Social Network Site 64%
Facebook 52%
Google+ 16%
LinkedIn 15%
Twitter 7%
Classmates.com 3%
MySpace 3%
FourSquare 2%
Other 5%
0% 10% 20% 30% 40% 50% 60% 70%
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