ÿþ<HTML> <HEAD> <TITLE>Credit Card Optimizer</TITLE> <META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=iso8859-1"> <META NAME="description" CONTENT="Financial Calculators, ©1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net"> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <!-- Financial Calculators, ©1998-2008 KJE Computer Solutions, LLC. 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For more information please see: <A HREF="http://www.dinkytown.net">http://www.dinkytown.net</A> --> <H1>Credit Card Optimizer</H1><P>The Credit Card Optimizer helps you determine the best distribution of your credit card debt. By entering your credit card balances, rates and credit limits this calculator determines which balance transfers will produce the greatest savings.<P><CENTER> <!--[if IE]><object name="calculator" classid="clsid:8AD9C840-044E-11D1-B3E9-00805F499D93" codebase="http://java.sun.com/update/1.6.0/jinstall-6-windows-i586.cab#Version=1,4,0,0" height="380" width="465"><param name="code" value="CardOptimizer" /><param name="archive" value="dinkytown.jar" /> <P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]--><![if !IE]><P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]></P><![if !IE]><APPLET name="calculator" code="CardOptimizer.class" align="baseline" WIDTH="465" HEIGHT="380" archive="dinkytown.jar"><![endif]> <PARAM name="NC_LIMIT" value="10000"> <PARAM name="NC_RATE" value="9.9"> <PARAM name="MSG_NC_CARD_NAME" value="new low interest card"> <PARAM name="CC_BALANCE_1" value="5000"> <PARAM name="CC_RATE_1" value="18.9"> <PARAM name="CC_PAYMENT_1" value="178.75"> <PARAM name="CC_BALANCE_2" value="3000"> <PARAM name="CC_RATE_2" value="17.9"> <PARAM name="CC_PAYMENT_2" value="60"> <PARAM name="CC_BALANCE_3" value="0"> <PARAM name="CC_RATE_3" value="0"> <PARAM name="CC_PAYMENT_3" value="0"> <PARAM name="CC_BALANCE_4" value="0"> <PARAM name="CC_RATE_4" value="0"> <PARAM name="CC_PAYMENT_4" value="0"> <PARAM name="CC_BALANCE_5" value="0"> <PARAM name="CC_RATE_5" value="0"> <PARAM name="CC_PAYMENT_5" value="0"> <PARAM name="CC_LIMIT_1" value="10000"> <PARAM name="CC_LIMIT_2" value="10000"> <PARAM name="CC_LIMIT_3" value="0"> <PARAM name="CC_LIMIT_4" value="0"> <PARAM name="CC_LIMIT_5" value="0"> <!--CUSTOM PARAMETERS--> <PARAM name="TEXT_FOR_REPORT" value="<HTML> <HEAD> <TITLE>Credit Card Optimizer</TITLE> <META HTTP-EQUIV='Content-Type' CONTENT='text/html; charset=iso8859-1'> <META NAME='description' CONTENT='Financial Calculators, &QCPQ;1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net'> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <BODY bgcolor='#FFFFFF' LINK='#003399' VLINK='#666666' BGCOLOR='#FFFFFF'> <CENTER><table border=0 bgcolor='#000000' width=468 cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFDD' border=0 width=468 cellspacing=1 cellpadding=5><tr><td width='100%' align=center valign=middle><DIV class=large>Credit Card Optimizer</DIV></td></tr></table></TD></TR></TABLE></CENTER> <H1>You could save INTEREST_SAVINGS in interest!</H1>**GRAPH**<P>You owe a total of CC_OUTSTANDING_BALANCE. Your current minimum monthly payment is CC_MONTHLY_PAYMENT. If you continue to make the minimum payments it will take you CURRENT_PAYOFF to payoff this debt. The total interest paid will be INTEREST_CURRENT. <P>By optimizing your credit cards you could save INTEREST_SAVINGS in interest. It will take you NEW_PAYOFF to payoff your optimized credit card balances. <H1>Recommended credit card transfers</H1><P>The following is a list of credit card transfers that are recommended to create optimal balances on your accounts: <B>CREDIT_CARD_TRANSFERS</B> <P>Your resulting credit card balances are summarized below:<P><CENTER><table border=0 bgcolor='#000000' width=95% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5> <TR BGCOLOR='#CCCCCC'><TD>&NBSP;</TD><TD COLSPAN=2><CENTER><B>Current</B></CENTER></TD><TD COLSPAN=2><CENTER><B>Optimized</B></CENTER></TD></TR> <TR BGCOLOR='#CCCCCC'><TD>&NBSP;</TD><TD><b>Balance</B></TD><TD><b>Payment</b></TD><TD><b>Balance</b></TD><TD><b>Payment</b></TD></TR> <!--CREDIT_CARD_DETAILS--> <TR><TD><b>Totals</b></TD><TD><b>CC_OUTSTANDING_BALANCE</b></TD><TD><b>CC_MONTHLY_PAYMENT</b></TD><TD><b>CC_OUTSTANDING_BALANCE</b></TD><TD><b>NEW_MONTHLY_PAYMENT</b></TD></TR> </TABLE></TD></TR></TABLE></CENTER> <P><DIV class=large>Optimized Payment Schedule</DIV> <HR SIZE=1> **REPEATING GROUP** <BR> <HR SIZE=1> <CENTER><P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER><br><br> </BODY> </HTML> "> <H1><CENTER>This Financial Calculator requires SUN's Java"! Plug-in. If you see this message you will need to download SUN's Java"! Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing  Install ActiveX Control . </CENTER></H1> <OL> You can also get SUN's Java"! Plug-in here: <A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java"! Plug-in!</b></A> <P>For more information about this Plug-in please visit: <A href="http://www.dinkytown.net/money/sunjvm.html" target=_blank><b>SUN's Java"! Plug-in</b></A> <BR>For more information these financial calculators please visit: <A href="http://www.dinkytown.net" target=_blank><b>Financial Calculators from KJE Computer Solutions, LLC</b></A> </OL><!--[if IE]></OBJECT><![endif]--><![if !IE]></APPLET><![endif]> </CENTER><CENTER><SCRIPT>document.write(showbuttons())</SCRIPT> </CENTER> <H1>Definitions</H1><P><TABLE align='center' WIDTH="95%"><TR><TD><DL><!--DEFN_START--> <DT><B>Credit cards</B><DD>Enter up to 5 credit card accounts, one on each line.<P> <DT><B>Balance</B><DD>Your current balance on your credit card.<P> <DT><B>Interest rate</B><DD>The annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to payoff this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.<P> <DT><B>Payment</B><DD>This is your initial minimum monthly payment. Your minimum monthly payment is calculated as 2% of your current outstanding balance. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.<P> <DT><B>Credit limit</B><DD>This is the total amount of credit you have on this credit card. The optimizer will not allow you to have credit card balances that are over your credit limit. <!--DEFN_END--></DL></TD></TR></TABLE> <BR> <HR SIZE=1> <CENTER> <P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER> <BR> </BODY> </HTML>