1. Raddon Chart of the Day
December 18, 2012
Student Loan Repayment Status
Have Yet to Begin Making Payments
19% Just Begun to Make Payments
39% Have Been Making Payments for Several
Years
11% Almost Repaid All Student Loans
Have Paid Off All Student Loans
25%
6% Percent of Online Respondents That Currently Have/Had a Student 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
December 13, 2012
Student Loan Status
3%
Never Had One/Do Not
33% Anticipating Opening One
Currently Have/Previously
Had a Student Loan
64% Plan on Obtaining One
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
December 11, 2012
Likelihood of Home Owners to Use a
Personal Loan Instead of Equity Credit
3% 5%
13% Extremely Likely
Very Likely
Somewhat Likely
Not Very Likely
51% Not at All Likely
28%
Percent of Online Respondents That Are Homeowners
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
December 6, 2012
Preferred Method to be Contacted by PFI
with a Competitive Finance Offer
35% 28%
By Mail
By E-Mail
By Phone
Prefer Not to Be Contacted
26%
11% 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

5. Raddon Chart of the Day
December 4, 2012
One-Quarter Anticipate Opening a Loan in the Next 12 Months
Any Loan 27%
Credit Card 7%
New Auto Loan 6%
Mortgage Loan (Refinance) 5%
Used Auto Loan 5%
Student Loan 5%
Mortgage Loan (New) 3%
Home Equity Line 1%
Home Improvement Loan 1%
Home Equity Loan 1%
Auto Lease 1%
Debt Consolidation Loan 1%
Small Business Loan 0.4%
Any Other Type of Loan 1%
None of the Above 73%
0% 20% 40% 60% 80%
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

6. 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

7. 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

8. 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

9. 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