Raddon Chart of the Day November 1, 2012

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Source: Raddon Financial Group, National Consumer Research – Spring 2012

Raddon Chart of the DayNovember 1, 2012

Likelihood to Take on Greater Risk in theNon-Retirement Investment Portfolio

2%

11%

31% 31%

19%

0%

5%

10%

15%

20%

25%

30%

35%

Extremely Likely

Very Likely Somewhat Likely

Not Very Likely Not at All Likely

Base: Households with Non-Retirement Investment Products



Raddon Chart of the DayOctober 30, 2012

Purpose of Non-Retirement Investment Portfolio

4%

6%

6%

12%

17%

0% 2% 4% 6% 8% 10% 12% 14% 16% 18%

Although Want Portfolio to Grow, Uncomfortable with Fluctuating …

Sole Objective Is Maximum Growth over the Long Term

Primary Interested in Growth and Less Concerned about Fluctuating Concerns

Balance Between Growth and Safety with Some Protection from Inflation

Safety of Capital/Funds Is First Priority




Consumer Financial Needs or Goals

11%

13%

22%

22%

36%

39%

40%

41%

68%

0% 10% 20% 30% 40% 50% 60% 70% 80%

2nd Home Purchase (Retirement/Vacation)

Build Enough Money to Invest in Business

Pay College Tuition

Purchase a Home

Improve Credit Rating

Reduce Taxes on Savings and Investment Income

Regain Money That Was Lost in the Market Decline

Reduce the Amount Owed on Credit Cards/Loans

Have Additional Retirement Income




Attitude About Interest Rates on Insured Deposits

58%42%

Percent of All Households

Important to Shop Around

Not Worth Time to Compare Rates




Influence of a Rewards Program on a Customer Referral

34%

66%

Rewards Program Existence Influenced Recommendation

Rewards Program Existence Did Not Influence Recommendation

Base: Households That Made a PFI Recommendation and Received a Reward for the Referral




Most Households Were Not Rewarded ForRecommending Their PFI to Family/Friends

7% 4% 1%

88%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Yes, Both Parties Rewarded

Yes, I Received Reward

Yes, They Received Reward

No, Neither Rewarded

Base: Households That Made a PFI Recommendation




Primary Customers That Have RecommendedTheir PFI to Family Members and/or Friends

48%

37%

50%

70%

0%

10%

20%

30%

40%

50%

60%

70%

80%

All Households Big Bank Primary Customers

Other Bank Primary Customers

Credit Union Primary Members




Things That Consumers Have Put Off Given the Economy or Their Personal Financial Situation

37%

6%

3%

5%

11%

11%

14%

19%

27%

28%

0% 5% 10% 15% 20% 25% 30% 35% 40%

None of the Above

Other

Purchase a Second Home

Recreational Purchase

Buy a Used Car

Purchase a New Home

Buy Major Household Appliance

Buy a New Car

Do Some Home Improvements

Take a Vacation




Most Consumers Report That Their Job Situation Did NotPrevent Them From Applying For a Loan

15%

85%

Percent of All Households

Job Situation Prevented Applying for a Loan

Job Situation Did Not Prevent Applying for a Loan




Wage Earners Employment Status

48%

14%

8%4%

26%

39%

18%13%

7%

23%

0%

10%

20%

30%

40%

50%

60%

Stably Employed Employed but Concerned

Unemployed Under Employed Retired

Primary Wage Earner's Employment Status

Secondary Wage Earner's Employment Status



Raddon Chart of the DaySeptember 27, 2012

Impact of the Economy on Consumers or an Immediate FamilyMember’s Employment Situation in the Past Two Years

25% 24%

16%15%

26%

20%

14% 13%

23%

19%

13%

18%

0%

5%

10%

15%

20%

25%

30%

Lost Job Reduced Hours/Pay Reduced Salary Benefits Reduced

Spring '11 Fall '11 Spring '12




Some Consumers Perceive That They Are SeeingSigns That the Economy is Improving

61%

21%

6%11%

69%

12%

5%

13%

57%

16%12%

15%

0%

10%

20%

30%

40%

50%

60%

70%

80%

See No Evidence the Recession Is Over

Just Begun to See Signs the Recession Is Ending

Definitely See Evidence Economy Is Improving

Not Sure

Spring '11 Fall '11 Spring '12




Consumer Perceptions of Their Personal Situation inthe Next Six Months in Comparison to Today

29%

53%

10%

21%

55%

15%16%

53%

21%20%

57%

14%

20%

59%

15%20%

59%

15%

0%

10%

20%

30%

40%

50%

60%

70%

Better Shape About the Same Worse Shape

Spring '07 Spring '08 Spring '09 Spring '10 Spring '11 Spring '12