The documents summarize survey results from Raddon Financial Group about consumers' perceptions and behaviors related to the economy. Some key findings include: 1) 88% of households that recommended a personal financial institution to friends/family were not rewarded for doing so. 2) 70% of primary bank customers have recommended their bank to family members compared to 48% of credit union customers. 3) The top two activities consumers have put off due to the economy are taking vacations (28%) and home improvements (27%). 4) 85% of consumers said their job situation did not prevent them from applying for a loan.

1. Raddon Chart of the Day
October 16, 2012
Most Households Were Not Rewarded For
Recommending Their PFI to Family/Friends
100%
90% 88%
80%
70%
60%
50%
Base: Households That Made a PFI Recommendation
40%
30%
20%
10% 7% 4% 1%
0%
Yes, Both Parties Yes, I Received Yes, They Received No, Neither
Rewarded Reward Reward Rewarded
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
October 11, 2012
Primary Customers That Have Recommended
Their PFI to Family Members and/or Friends
80%
70%
70%
60%
50%
50% 48%
40% 37%
30%
20%
10%
0%
All Households Big Bank Primary Other Bank Primary Credit Union Primary
Customers Customers Members
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
October 9, 2012
Things That Consumers Have Put Off Given the
Economy or Their Personal Financial Situation
Take a Vacation 28%
Do Some Home Improvements 27%
Buy a New Car 19%
Buy Major Household Appliance 14%
Purchase a New Home 11%
Buy a Used Car 11%
Recreational Purchase 5%
Purchase a Second Home 3%
Other 6%
None of the Above 37%
0% 5% 10% 15% 20% 25% 30% 35% 40%
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
October 4, 2012
Most Consumers Report That Their Job Situation Did Not
Prevent Them From Applying For a Loan
15%
Job Situation Prevented Applying
for a Loan
Job Situation Did Not Prevent
Applying for a Loan
85%
Percent of All Households
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
October 2, 2012
Wage Earners Employment Status
60%
50% 48%
39%
40%
30% 26%
23%
20% 18%
14% 13%
10% 8% 7%
4%
0%
Stably Employed Employed but Unemployed Under Employed Retired
Concerned
Primary Wage Earner's Employment Status
Secondary Wage Earner's Employment Status
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
September 27, 2012
Impact of the Economy on Consumers or an Immediate Family
Member’s Employment Situation in the Past Two Years
30%
25% 26% 24%
25%
23%
20% 19%
20%
18%
16%
14% 13% 15%
15% 13%
10%
5%
0%
Lost Job Reduced Hours/Pay Reduced Salary Benefits Reduced
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

7. Raddon Chart of the Day
September 25, 2012
Some Consumers Perceive That They Are Seeing
Signs That the Economy is Improving
80%
69%
70%
61%
60% 57%
50%
40%
30%
21%
20% 16%
12% 12% 11% 13% 15%
10% 6% 5%
0%
See No Evidence the Just Begun to See Signs Definitely See Evidence Not Sure
Recession Is Over the Recession Is Ending Economy Is Improving
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

8. Raddon Chart of the Day
September 20, 2012
Consumer Perceptions of Their Personal Situation in
the Next Six Months in Comparison to Today
70%
60% 57%59%59%
55%
53% 53%
50%
40%
29%
30%
21% 20%20%20% 21%
20% 16% 15% 14%15%15%
10%
10%
0%
Better Shape About the Same Worse Shape
Spring '07 Spring '08 Spring '09 Spring '10 Spring '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