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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
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
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
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

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Raddon Chart of the Day October 2, 2012

  • 1. 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
  • 2. 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
  • 3. 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
  • 4. 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