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Raddon Chart of the Day
                                                         November 21, 2011
                                          Consumers’ Attitude About
                                              the Stock Market



                                                                                                   Stock Market Will Rebound/Best

                                                           31%                                     Place for Long-Term Invest.
                                                                                                   Opportunities

              49%                                                                                  Stock Market No Longer the Place to
                                                                                                   Invest

                                                                                                   Do Not Know


                                                   20%

Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
                                                         November 17, 2011
                                           Consumers’ Preference for
                                             an Online Trading Firm



                                                                                                   Lowest Possible Stock
                                                                                                   Trading Fees
                        45%
                                                                     55%                           Offers Wide Investment
                                                                                                   Selection/Does Not Have
                                                                                                   Lowest Trading Fees




Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
                                                         November 15, 2011
                           Consumers’ Online Trading Status and
                            Interest in an Online Trading Service
60%                                                                                                                     56%

50%

40%
                                                                                                   31%
30%

20%
                           9%
10%                                                             5%

 0%
                Currently Trade                   Previously Traded                          Do Not Trade     Not Comfortable
                    Online                       Online/Not Currently                       Online/Would       Using an Online
                                                                                            Consider Using    Brokerage Service

Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
                                                         November 10, 2011
                                       Consumers’ Comfort Level in
                                       Making Investment Decisions




                             46%                                          54%                      Prefer to Receive Advice

                                                                                                   Comfortable Making
                                                                                                   Own Decisions




Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
                                                          November 9, 2011
                                        Consumers’ Satisfaction with
                                           Current Savings Level
40%
                                                                                                   34%
                                                                30%
30%                                                                                                                      27%


20%



10%                        9%



0%
             Very Comfortable                             Somewhat                            Somewhat       Very Uncomfortable
                                                         Comfortable                         Uncomfortable

Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
                                                          November 7, 2011
                                     Consumers’ Personal Situation
  30%                28%                In The Next Six Months
  25%
                                                                                                         22%
                                              21%
  20%                                                     19%                                                                        19%
                                                                       18%
                                                                                                                 17%
                                 16%                                                                                       16%
  15%
                                                                                             10%
  10%

    5%

    0%
                                      Better Shape                                                            Worse Shape
                                    Fall '07            Fall '08            Fall '09               Fall '10     Fall '11
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
                                                          November 2, 2011
                             Consumers’ Current Spending Habits
                                 Compared To One Year Ago

                                                                        8%


                                                                                                   Spending More

                                    54%                                                  38%       Spending the Same
                                                                                                   Spending Less




Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
                                                          November 1, 2011
                               Consumers’ Current Savings Habits
                                  Compared To One Year Ago



                                                                       18%
                                40%                                                                Saving More
                                                                                                   Saving the Same
                                                                                                   Saving Less

                                                                        42%


Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
                                                            October 25, 2011
                               Consumers’ Economic Expectations
                                   For The Next Six Months
70%

60%                                      59%
50%                    48%                                 46%
40%                                                                                                                           39%
                                                                             30%
30%                                                                                       24%        27%

                                                                                               19%             23%
20%
                                                                          21%
10%                                                         12%                                      15%   18%
                       6%                                                                                                     9%
                                         7%
   0%
            Spring '08 Fall '08 Spring '09 Fall '09 Spring '10 Fall '10 Spring '11 Fall '11
                                                     Better Shape                     Worse Shape
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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
                                                            October 24, 2011
                               Consumers’ Opinion Regarding The
                                 Current State Of The Economy
                                                                                           13%
                                                          Not Sure
                                                                                          11%

Definitely See Evidence That the Economy                                            5%
               Is Improving                                                         6%

Just Begun to See Signs That the Recession                                                12%
                Is Ending                                                                          21%

       See No Evidence That the Recession Is                                                                            69%
                      Over                                                                                        61%

                                                                           0% 10% 20% 30% 40% 50% 60% 70% 80%
                                                                Fall '11            Spr. '11
Source: Raddon Financial Group, National Consumer Research – Fall 2011
©2011 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 Insights

  • 1. Raddon Chart of the Day November 21, 2011 Consumers’ Attitude About the Stock Market Stock Market Will Rebound/Best 31% Place for Long-Term Invest. Opportunities 49% Stock Market No Longer the Place to Invest Do Not Know 20% Source: Raddon Financial Group, National Consumer Research – Fall 2011 ©2011 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 17, 2011 Consumers’ Preference for an Online Trading Firm Lowest Possible Stock Trading Fees 45% 55% Offers Wide Investment Selection/Does Not Have Lowest Trading Fees Source: Raddon Financial Group, National Consumer Research – Fall 2011 ©2011 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, 2011 Consumers’ Online Trading Status and Interest in an Online Trading Service 60% 56% 50% 40% 31% 30% 20% 9% 10% 5% 0% Currently Trade Previously Traded Do Not Trade Not Comfortable Online Online/Not Currently Online/Would Using an Online Consider Using Brokerage Service Source: Raddon Financial Group, National Consumer Research – Fall 2011 ©2011 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 10, 2011 Consumers’ Comfort Level in Making Investment Decisions 46% 54% Prefer to Receive Advice Comfortable Making Own Decisions Source: Raddon Financial Group, National Consumer Research – Fall 2011 ©2011 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 November 9, 2011 Consumers’ Satisfaction with Current Savings Level 40% 34% 30% 30% 27% 20% 10% 9% 0% Very Comfortable Somewhat Somewhat Very Uncomfortable Comfortable Uncomfortable Source: Raddon Financial Group, National Consumer Research – Fall 2011 ©2011 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 November 7, 2011 Consumers’ Personal Situation 30% 28% In The Next Six Months 25% 22% 21% 20% 19% 19% 18% 17% 16% 16% 15% 10% 10% 5% 0% Better Shape Worse Shape Fall '07 Fall '08 Fall '09 Fall '10 Fall '11 Source: Raddon Financial Group, National Consumer Research – Fall 2011 ©2011 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 November 2, 2011 Consumers’ Current Spending Habits Compared To One Year Ago 8% Spending More 54% 38% Spending the Same Spending Less Source: Raddon Financial Group, National Consumer Research – Fall 2011 ©2011 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 November 1, 2011 Consumers’ Current Savings Habits Compared To One Year Ago 18% 40% Saving More Saving the Same Saving Less 42% Source: Raddon Financial Group, National Consumer Research – Fall 2011 ©2011 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 October 25, 2011 Consumers’ Economic Expectations For The Next Six Months 70% 60% 59% 50% 48% 46% 40% 39% 30% 30% 24% 27% 19% 23% 20% 21% 10% 12% 15% 18% 6% 9% 7% 0% Spring '08 Fall '08 Spring '09 Fall '09 Spring '10 Fall '10 Spring '11 Fall '11 Better Shape Worse Shape Source: Raddon Financial Group, National Consumer Research – Fall 2011 ©2011 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500
  • 10. Raddon Chart of the Day October 24, 2011 Consumers’ Opinion Regarding The Current State Of The Economy 13% Not Sure 11% Definitely See Evidence That the Economy 5% Is Improving 6% Just Begun to See Signs That the Recession 12% Is Ending 21% See No Evidence That the Recession Is 69% Over 61% 0% 10% 20% 30% 40% 50% 60% 70% 80% Fall '11 Spr. '11 Source: Raddon Financial Group, National Consumer Research – Fall 2011 ©2011 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500