The document contains several charts from Raddon Financial Group summarizing consumer banking behaviors and attitudes: - One in ten consumers use personal financial management software to track finances. Usage has increased slightly over time. - One in ten consumers currently use smart ATMs, while one-third are extremely likely to use them. - One-quarter of households are extremely or very likely to use remote deposit capture, up from prior surveys. - Three in ten consumers would watch video ads at foreign ATMs to avoid fees, with interest varying depending on likelihood of fee. - Four in ten consumers who use foreign ATMs report never paying surcharges. - One-fifth of households use ATMs

1. Raddon Chart of the Day
June 7, 2012
One Out of Ten Consumers Use a Personal
Financial Management Software Program to
13% Keep Track of and Manage Their Finances
13% 12% 12%
12%
12%
11% 11%
11% 10%
10%
10%
9%
Fall '10 Spring '11 Fall '11 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

2. Raddon Chart of the Day
June 5, 2012
One Out of Ten Consumers Report That
They Currently Use a Smart ATM
35% 33%
30%
25% 22%
20% 19%
15% 14%
10%
6% 6%
5%
0%
Currently Use Extremely Very Likely Somewhat Not Very Not at All
Likely Likely Likely Likely
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
May 31, 2012
One-Quarter of All Households Are Extremely to
Very Likely to Use Remote Deposit Capture
80% 73%
69%
70% 65%
60%
50%
40%
31%
30% 25% 27%
20%
10% 4% 4%
2%
0%
Currently Use Remote Deposit Extremely to Somewhat Likely to Use Not Very to Not at All Likely to Use
Capture Remote Deposit Capture Remote Deposit Capture
Spring '11 Fall '11 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

4. Raddon Chart of the Day
May 29, 2012
Three out of Ten Consumers That Use Foreign ATMs
Would Watch a Video Ad while an ATM Transaction
is Processing to Avoid Paying a Surcharge Fee
30% Base: Households That Use ATMs Not Owned by Their Financial Institution
25%
25% 24%
30% 22%
20%
15%
15% 14%
10%
5%
0%
Extremely Likely Very Likely Somewhat Likely Not Very Likely Not at All Likely
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
May 24, 2012
Four Out of Ten Consumers That Use Foreign
ATMs Never Pay a Surcharge Fee
23% Always Pay a Fee
Sometimes Pay a Fee
39% Never Pay a Fee
38% Percent of Households That Use ATMs
Not Owned by Their Financial Institution
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
May 22, 2012
One-Fifth of All Households Use ATMs Not
Owned by Their Financial Institution
2%
Percent of All Households
22%
Use Foreign ATMs
Do Not Use Foreign ATMs
Do Not Know
76%
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