Raddon Chart of the Day
                                                           February 28, 2012
     Number of Checking Accounts Owned by a Household
60%
                                53%
50%

40%
                                                                                  32%
30%

20%
                                                                                                         15%

10%

 0%
                                One                                               Two              Three or More

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
Raddon Chart of the Day
                                                           February 23, 2012
                  Consumers That Have Ever Clicked on
             Any Company’s Advertising/Promotions/Special
                 Offers On A Social Networking Website

                                                    13%
                                                                                                   Have Clicked on an Ad
                                                                                                   Have Not Clicked on an Ad




                                  87%

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
Raddon Chart of the Day
                                                           February 21, 2012
                         Consumers That Have Ever “Logged On”
70%                      or Visited A Social Networking Website
60%              58%
                                       54%
50%

40%

30%

20%                                                          17%
                                                                                  10%                 9%        8%
10%
                                                                                                                                 3%
 0%
           Any Social Facebook                          Linked In               Twitter            Classmates MySpace          Other
           Networking
            Website
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
Raddon Chart of the Day
                                                           February 16, 2012
                                 Consumers That Have a Data Plan
                                     For Their Mobile Devices




                                                               34%
                                                                                                   Have a Data Plan
                                                                                                   Do Not Have a Data Plan

                   66%


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
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
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
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
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
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
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
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
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
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
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

Raddon Chart of the Day February 28, 2012

  • 1.
    Raddon Chart ofthe Day February 28, 2012 Number of Checking Accounts Owned by a Household 60% 53% 50% 40% 32% 30% 20% 15% 10% 0% One Two Three or More 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 ofthe Day February 23, 2012 Consumers That Have Ever Clicked on Any Company’s Advertising/Promotions/Special Offers On A Social Networking Website 13% Have Clicked on an Ad Have Not Clicked on an Ad 87% 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 ofthe Day February 21, 2012 Consumers That Have Ever “Logged On” 70% or Visited A Social Networking Website 60% 58% 54% 50% 40% 30% 20% 17% 10% 9% 8% 10% 3% 0% Any Social Facebook Linked In Twitter Classmates MySpace Other Networking Website 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 ofthe Day February 16, 2012 Consumers That Have a Data Plan For Their Mobile Devices 34% Have a Data Plan Do Not Have a Data Plan 66% 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 ofthe 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
  • 6.
    Raddon Chart ofthe 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
  • 7.
    Raddon Chart ofthe 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
  • 8.
    Raddon Chart ofthe 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
  • 9.
    Raddon Chart ofthe 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
  • 10.
    Raddon Chart ofthe 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
  • 11.
    Raddon Chart ofthe 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
  • 12.
    Raddon Chart ofthe 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
  • 13.
    Raddon Chart ofthe 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
  • 14.
    Raddon Chart ofthe 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