| CONSUMER BUDGET COUNSELING, INC. |
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| NON-PROFIT DEBT CONSOLIDATORS |
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| DEBT MANAGEMENT PAYMENT COMPARISON CHART |
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| PLEASE REVIEW THE FOLLOWING SAMPLE PAYMENT CHART. IT WILL SHOW YOU THE DIFFERENCE BETWEEN REPAYING CREDITORS ON YOUR OWN OR REPAYING ON OUR BUDGET PLAN. |
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| SAVINGS SAMPLE CHART: |
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| Company | Beginning | Your Current | CBC | Amount | Repayment Years |
| Creditor | Balances | Repayment | Repayment | Saved | Your | CBC |
| Time | Time |
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| ADVANTA | $2000.00 | $11960.82 | $2659.53 | $9301.29 | 37 | 6 |
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| NATIONS | $2356.00 | $4446.65 | $3201.11 | $1245.54 | 15 | 5.5 |
| BANK |
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| CITIBANK | $1900.00 | $4990.73 | $2238.51 | $2752.22 | 17 | 4 |
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| MBNA | $1800.00 | $4642.75 | $2306.21 | $2336.54 | 16 | 6.5 |
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| MACY'S | $2200.00 | $10338.72 | $2200.00 | $8138.72 | 31 | 2.5 |
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| TOTALS: | $10256.00 | $36379.67 | $12605.36 | $23774.31 | 23 | 4.9 |
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| Approximate Debt Repayment time: | On Your Own - 23 Years |
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| On CBC Plan: 4.9 Years |
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| PLEASE NOTE: The above figures are estimates and all the calculations are based on an average client. Each Clients individual savings will vary. All payments are based upon the creditors current minimum amounts due and their most common APR. |