According to a survey conducted in fall 2011: - 44% of homeowners reported that their home's value declined in the last year, while 38% said the value stayed the same and 18% said it increased. - 86% of consumers do not anticipate purchasing a home or condo in the next five years. - 71% of consumers currently own their home, 22% rent, and 7% live with parents or others. - 89% of consumers were not turned down for any type of loan in the past 12 months.

1. Raddon Chart of the Day
May 1, 2012
Most Homeowners Report That Their Home’s
Value Has Declined in the Last Year
18%
44% Value Has Increased
Value Has Stayed the Same
Value Has Declined
38%
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 of the Day
April 26, 2012
Consumers That Anticipate a Home/Condo
Purchase In the Next Five Years
3% 4%
7%
Within the Next Year
Within the Next One to Two
Years
Within the Next Three to
Five Years
Do Not Anticipate Buying a
House
86%
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 of the Day
April 24, 2012
Consumers Current Home Ownership Status
5% 2%
22% Own a Home
Rent
Live with Parents/Relatives
Other
71%
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 of the Day
April 19, 2012
Consumers That Have Applied and Been Turned
Down For a Loan in the Last 12 Months
Applied/Turned Down for Any Loan 11%
Credit Card 6%
Line of Credit 2%
Consumer Loan 1%
Mortgage for Refinance 1%
Mortgage for Home Purchase 1%
Home Equity Loan or Line 0%
None of the Above 89%
0% 20% 40% 60% 80% 100%
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 of the Day
April 17, 2012
When Consumers Last Purchased
or Leased a Vehicle
35%
31%
30%
25%
20% 17%
15%
15% 12% 13%
11%
10%
5%
0%
Within the Between 1 Between 2 Between 3 Over Five Have Never
Past Year and 2 Years and 3 Years and 5 Years Years Ago Purchased or
Ago Ago Ago Leased a
Vehicle
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 of the Day
April 13, 2012
Consumers That Are Currently in the
Market For a New Credit Card
6%
In the Market for a New
Credit Card
Not in the Market for a New
Credit Card
94%
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 of the Day
April 10, 2012
Top Five Credit Card Features That Would Prompt
Consumers to Get a New Credit Card
No Annual Fee 81%
Low Interest Rate 60%
Annual Cash Back Rebate 43%
Identity Theft Protection 37%
0% Introductory Rate Offer 32%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90%
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 of the Day
April 5, 2012
Methods Consumers Use to Obtain Financing
for a Vehicle Purchase From an Auto Dealer
Total
Typically Would Obtain Financing from the Auto
Dealer
40%
Would Seek Out Loan Rates from Primary
Financial Institution
19%
Would Use Comparative Price Grids/Services on
the Internet to Get the Best Loan Deal
5%
Would Use a Home Equity Credit to Finance
Vehicle Purchases
2%
Other 7%
Do Not Borrow for Vehicle Purposes 27%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45%
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 of the Day
April 3, 2012
Consumers That Are Willing to Pay a $2 Monthly
35%
Fee For Basic Identity Theft Protection Coverage
33%
30%
27%
25%
20%
17%
15% 14%
10% 8%
5%
0%
Extremely Likely Very Likely Somewhat Likely Not Very Likely Not at All 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