The document contains several charts from Raddon Financial Group summarizing data from their National Online Consumer Research from Fall 2012 on consumers' use of mobile banking. The top three findings are: 1) The top five banks and credit unions have the highest rates of mobile penetration, with over 60% of their online customers having a smartphone or tablet and over 50% doing mobile banking. 2) 20% of online customers reported doing some online banking with their smartphone, while only 9% have downloaded a mobile banking app. 3) Over half of online consumers are "mobile ready" with a smartphone or tablet, and 22% own a tablet.

1. Raddon Chart of the Day
January 15, 2013
Top Five Banks and Credit Unions Have Highest Mobile Penetration
70%
63% 61%
60% 56%
53%
50%
Percent of All Online Respondents
41%
40% 35%
30% 25%
24%
20%
20% 18%
10%
0%
Have Smartphone or Tablet Bank via Smartphone or Tablet
Total Top Five Bank Regional Bank Community Bank Credit Union
Source: Raddon Financial Group, National Online Consumer Research – Fall 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
January 10, 2013
One-Fifth Indicated That They “Bank Online”
with Their Smartphone
25%
20%
20% Percent of All Online Respondents
16%
15% 14%
10% 9%
6% 5%
5%
0%
Bank Online with Device Downloaded App from PFI Actively Use PFI App
Smart Phone Tablet
Source: Raddon Financial Group, National Online Consumer Research – Fall 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
January 8, 2013
Gen Y Respondents Are More Likely to
8%
Buy a Tablet in the Next Year
Percent of Online Respondents without
a Smartphone or Tablet Currently
6%
1%
1% 2%
4% 1%
2%
5%
2%
3% 4%
3%
2%
0%
Total Traditionalist Baby Boomer Gen X Gen Y
New Tablet New Smartphone
Source: Raddon Financial Group, National Online Consumer Research – Fall 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
January 4, 2013
One-Half of Consumers Are Mobile Ready
60%
53%
50%
45%
40%
30% Percent of All Online Respondents
24%
20% 17%
13%
10% 5%
0%
Smartphone Smart Phone Tablet Android iPhone Other
or Tablet
Source: Raddon Financial Group, National Online Consumer Research – Fall 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
January 2, 2013
One-Quarter of All Respondents Report Owning a Tablet
7%
22% Cell Phone
Tablet Only
Both
Neither
69%
2%
Percent of All Online Respondents
Source: Raddon Financial Group, National Online Consumer Research – Fall 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
December 20, 2012
Attitudes About Student Loans and Student Loan Debt
90% 81% 82%
80%
70% 65%
59% 59%
60%
50% 50%
50% 42% 41% 40% 40% 39%
40%
30%
20%
10%
0%
Necessary to Fund Higher Good Investment to Ensure Question Financial Wisdom Have Difficulty in Managing
Educ./Attain Educ. Goals Future Success of Taking on Student Loan Student Loan Debt
Debt Burden
Total Currently Have/Previously Had a Student Loan Plan on Obtaining One
Source: Raddon Financial Group, National Online Consumer Research – Fall 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
December 18, 2012
Student Loan Repayment Status
Have Yet to Begin Making Payments
19% Just Begun to Make Payments
39% Have Been Making Payments for Several
Years
11% Almost Repaid All Student Loans
Have Paid Off All Student Loans
25%
6% Percent of Online Respondents That Currently Have/Had a Student Loan
Source: Raddon Financial Group, National Online Consumer Research – Fall 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
December 13, 2012
Student Loan Status
3%
Never Had One/Do Not
33% Anticipating Opening One
Currently Have/Previously
Had a Student Loan
64% Plan on Obtaining One
Percent of All Online Respondents
Source: Raddon Financial Group, National Online Consumer Research – Fall 2012
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500