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
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
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
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
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
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
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
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
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
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

Raddon Chart of the Day August 28, 2012

  • 1.
    Raddon Chart ofthe 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 ofthe 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 ofthe 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 ofthe 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 ofthe 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 ofthe 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 ofthe 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 ofthe 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 ofthe 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 ofthe 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