Raddon Chart of the Day September 18, 2012

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

Raddon Chart of the DaySeptember 18, 2012

Top Five Reasons Why Consumers Have Closed a Checking Account in the Past 12 Months

20%

21%

22%

24%

38%

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

Poor Service

Inst. Eliminated/Stopped Offering Free Checking

Difficulty Resolving Problems with Account

Minimum Balance Requirements Changed

Fees on Account Changed

Percent of Households That Closed a Checking Account in the Past 12 Months




Consumer Households That Closed a Checking Account in the Past 12 Months

9%8%

0%

5%

10%

Fall '11 Spring '12




Consumers Preference For How Their Financial Institution Process the Checks That They Write

39%

4%

12%

40%

0% 5% 10% 15% 20% 25% 30% 35% 40% 45%

No Preference

By Size of Payment

No Specific Order (Random)

By Check Order Received




How Consumers Have Overdrawn TheirChecking Accounts in the Past Two Years

31%

60%

51%

10%

25%

67%

44%

11%

0%

10%

20%

30%

40%

50%

60%

70%

80%

Have Overdrawn Account

Checks Written Debit Card Purchases ATM Withdrawals

Fall 2010 Spring 2012



Raddon Chart of the DayAugust 30, 2012

Consumer Households That Have Overdrawn TheirChecking Account in the Past Two Years

66%

31%26%

5%

71%

25%22%

3%

0%

10%

20%

30%

40%

50%

60%

70%

80%

Have Not Overdrawn Account

Have Overdrawn Account

One to Six Times Seven Times or More

Fall 2010 Spring 2012




Current Prepaid Debit Card Use and the Likelihood to Use a Prepaid Debit Card

3%

12%

82%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

Currently Use Extremely to Somewhat Likely to Use a Prepaid Card

Not Very to Not at All Likely to Use a Prepaid Card




The Availability of Additional Points in a Comprehensive Rewards May Not Prompt Consumers to Consolidate Accounts at One Institution

3%

18%

41%

38%

0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

Have Consolidated Accounts

Would Consolidate Accounts for Additional

Rewards Points

Do Not Know If Would Move Accounts to Get

Additional Rewards Points

Would Not Move Accounts to Get Additional Rewards

Points

Base: Households that currently participate in a comprehensive rewards program and those that would consider participating in such a program




Participation and Attitudes About Participating in a Comprehensive Rewards Program That Awards Customers

Points For Total Accounts and Debit/Credit Card Use

11%

20%

6%

16%

53%

0%

10%

20%

30%

40%

50%

60%

Currently Participate in a Comprehensive Rewards

Program

If Current Financial Institution Were to Offer Such a Program/Would

Sign Up for It

Would Consider Switching Financial Institutions to

Get This Program If Current Institution Does

Not Offer It

Would Not Change Institutions to Get This

Program/But Would Look to See If One Were

Available If Changing Banks

This Type of Program Does Not Interest Me




Consumer Households That Have Visited Their Financial Institution’s Social Network Website

3%

4%5%

7%

0%

1%

2%

3%

4%

5%

6%

7%

8%

All Households Use Social Netwoking Site

Fall '10 Spring '12




Only One Out of Ten Consumers Have Seen Any Bank or Credit Union’s Page on a Social Network Site

8%

3%

12%

4%

0%

2%

4%

6%

8%

10%

12%

14%

Have Seen a Financial Institution's Page on a Social Networking Site

Presence of Any One of the Consumer's Financial Institutions on Social Networking

Site

All Households Use Any Social Netwoking Site




One Out of Ten Consumers Have Clicked on Any Company’s Ad/Promotion/Offer on a Social Network Site

10%

2%

15%

3%

0%

2%

4%

6%

8%

10%

12%

14%

16%

Have Clicked on Any Company’s Promotional/Advertising/Special Offer

Have Clicked on Any FI’s Promotional/Advertising/Special Offer




Raddon Chart of the DayJuly 31, 2012

Level of Confidence Consumers Would Have in Obtaining Financial Advice From a Social Network

1%

9%

37%

47%

1%

13%

45%

40%

0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

50%

Very Confident Confident Not Very Confident Not at All Confident





Only a Small Portion of All Consumer Households Were Influenced by the Advice Found on a Social

Network Site to Make a Financial Product Purchase

10%

1%

0%

2%

4%

6%

8%

10%

12%

Social Network Information/Advice Influenced Any Product Purchase

Social Network Information/Advice Influenced a Financial Product Purchase




One out of 10 Consumers Were Influenced By the Info/Advice Found on a Social Network Site to Make Any Product Purchase

10%

82%

8% Percent of All Households

Social Network Advice Influenced a Product Purchase

Social Network Advice Did Not Influence a Product Purchase

No Response




Social Networking Websites That Consumers Access Within the Course of a Typical Month

5%

2%

3%

3%

7%

15%

16%

52%

64%

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

Other

FourSquare

MySpace

Classmates.com

Twitter

LinkedIn

Google+

Facebook

Access of Any Social Network Site

Business

Raddon Chart of the Day September 18, 2012