This document contains summaries of several surveys conducted by Raddon Financial Group in Fall 2011 regarding consumers' attitudes and behaviors related to investments and retirement. The first survey found that 32% of consumers have not changed their investment portfolio due to stock market volatility, while 15% moved some money to a safer mix and 3% moved all money. The second survey found that 56% of consumers participate in a work-related retirement plan, while 44% do not. The third survey found that 27% of consumers are currently retired, 64% will retire within 5 years, and 9% will not retire for more than 5 years.

1. Raddon Chart of the Day
December 7, 2011
Consumers’ Personal Situation Relative
to a Volatile Stock Market
Have Not Changed Investment Portfolio 32%
Moved Some Money/Safer Mix 15%
Moved All Money 3%
Do Not Have Investments 50%
0% 10% 20% 30% 40% 50% 60%
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
December 1, 2011
Consumers’ Participation in a
Work-Related Retirement Plan
Participate in Such a Plan
44%
56% Do Not Participate in Such a
Plan
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
November 29, 2011
Consumers’ Current Status
Regarding Retirement
27% Currently Retired
Retire within the Next 5 Yrs.
64% Will Not Retire for More
9% than 5 Yrs.
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
November 21, 2011
Consumers’ Attitude About
the Stock Market
Stock Market Will Rebound/Best
31% Place for Long-Term Invest.
Opportunities
49% Stock Market No Longer the Place to
Invest
Do Not Know
20%
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
November 17, 2011
Consumers’ Preference for
an Online Trading Firm
Lowest Possible Stock
Trading Fees
45%
55% Offers Wide Investment
Selection/Does Not Have
Lowest Trading Fees
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
November 15, 2011
Consumers’ Online Trading Status and
Interest in an Online Trading Service
60% 56%
50%
40%
31%
30%
20%
9%
10% 5%
0%
Currently Trade Previously Traded Do Not Trade Not Comfortable
Online Online/Not Currently Online/Would Using an Online
Consider Using Brokerage Service
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
November 10, 2011
Consumers’ Comfort Level in
Making Investment Decisions
46% 54% Prefer to Receive Advice
Comfortable Making
Own Decisions
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
November 9, 2011
Consumers’ Satisfaction with
Current Savings Level
40%
34%
30%
30% 27%
20%
10% 9%
0%
Very Comfortable Somewhat Somewhat Very Uncomfortable
Comfortable Uncomfortable
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
November 7, 2011
Consumers’ Personal Situation
30% 28% In The Next Six Months
25%
22%
21%
20% 19% 19%
18%
17%
16% 16%
15%
10%
10%
5%
0%
Better Shape Worse Shape
Fall '07 Fall '08 Fall '09 Fall '10 Fall '11
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
November 2, 2011
Consumers’ Current Spending Habits
Compared To One Year Ago
8%
Spending More
54% 38% Spending the Same
Spending Less
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

11. Raddon Chart of the Day
November 1, 2011
Consumers’ Current Savings Habits
Compared To One Year Ago
18%
40% Saving More
Saving the Same
Saving Less
42%
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

12. Raddon Chart of the Day
October 25, 2011
Consumers’ Economic Expectations
For The Next Six Months
70%
60% 59%
50% 48% 46%
40% 39%
30%
30% 24% 27%
19% 23%
20%
21%
10% 12% 15% 18%
6% 9%
7%
0%
Spring '08 Fall '08 Spring '09 Fall '09 Spring '10 Fall '10 Spring '11 Fall '11
Better Shape Worse Shape
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

13. Raddon Chart of the Day
October 24, 2011
Consumers’ Opinion Regarding The
Current State Of The Economy
13%
Not Sure
11%
Definitely See Evidence That the Economy 5%
Is Improving 6%
Just Begun to See Signs That the Recession 12%
Is Ending 21%
See No Evidence That the Recession Is 69%
Over 61%
0% 10% 20% 30% 40% 50% 60% 70% 80%
Fall '11 Spr. '11
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500