The document contains three charts from Raddon Financial Group surveys about consumers and borrowing: 1) When consumers' loan/credit requests were not granted, 40% planned to seek financing later, 21% took steps to improve their credit, and 23% took no further action. 2) Almost 1 in 5 consumers (16%) applied for and were denied some type of loan in the past year, most commonly credit cards or lines of credit. 3) Over a quarter of consumers feel the economy has negatively impacted their ability to borrow, and most (56%) see no evidence the recession is over.

1. Raddon Chart of the Day
November 29, 2012
Action Taken When Loan/Credit Request Was Not Granted
16% Secured the Loan/Card Elsewhere
40% Planned to Seek Loan/Card at a Future Date
21% Taking Steps to Improve Credit Standing
Took No Further Action Regarding Loan/Card
23%
Percent of Online Respondents That Applied and Were Turned Down for 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

2. Raddon Chart of the Day
November 27, 2012
Almost One-Fifth Indicate That They Have Applied and
Been Turned Down for Loan in the Last 12 Months
Any of the Loans Listed 16%
Credit Card 11%
Line of Credit 4%
Consumer Loan 3%
Mortgage for Refinance 3%
Mortgage for Home Purchase 2%
Home Equity Loan or Line 1%
None of the Above 84%
0% 30% 60% 90%
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

3. Raddon Chart of the Day
November 15, 2012
Over One-Quarter Perceive That Their Ability to Borrow Has Been
Negatively Impacted Due to Current Economic Conditions
Economy Has
Negatively Impacted
the Ability to Borrow
27%
Economy Has Not
Negatively Impacted
the Ability to Borrow
73%
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

4. Raddon Chart of the Day
November 13, 2012
Most Consumers See No Evidence That the Recession Is Over
Not Sure
14%
Definitely See Evidence
Economy
Is Improving
11%
See No Evidence
Recession Is Over
56%
Have Just Begun to See
Signs Recession Is
Ending
19%
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