Summary of Coupons by Character Budget Challenge Participant Suburban City Bank Teller Vista Vue Landlord Surge Credit Card Rep Check written for $650 made out to Vista Vue Account balance Per Check Fee Account Balance ODP Subscription Fee ODP Per Use Fee NSF Returned Check Fee Below Minimum Balance Fee Negative Balance Fee Payment in cash Bill Late Fee Per Diem Fee Initial Late Fee Penalty Cash Advance – Transfer from Credit Card Cash Advance – Charge on Credit Card Note: Coupons are color coded to match the characters listed in this summary page.

This check is made out to Vista Vue Apartments in the amount of $650. Check for $650 to Vista Vue Bank Account Balance $600 This check is made out to Vista Vue Apartments in the amount of $650. This is the amount of money currently in the Budget Challenge Participant’s Account. This will be used for reference by the Bank Teller when the deposit is attempted.

Per Check Fee $0.50 Bank Account Balance $600 This is a check processing fee that gets issued each time a check is attempted to clear from the account, regardless of whether there are enough funds to cover it. Per check fees apply to Options 1 &2. Options 3 & 4 have free checks, so this fee does not apply. This is the amount of money currently in the Budget Challenge Participant’s Account. This will be used for reference by the Bank Teller when the deposit is attempted.

ODP Monthly Fee ODP Per Use Fee $10 This fee is incurred by the account holder each month to have Overdraft Protection Coverage. In some cases, this coverage is complimentary in exchange for having a minimum balance on the account. Option 1 – N/A – no ODP Option 2 - $3.95 Option 3 – No charge Option 4 – No charge This fee is incurred each time a check is prevented from bouncing because of the ODP coverage.

This fee is incurred by the issuer of the bad check. NSF – Non-Sufficient Funds Fee $39.95 Returned check fee $30.00 This fee is incurred by the issuer of the bad check. The bank automatically withdraws this fee from the account. The bank penalizes both the issuer and the depositor of a bad check. When a bad check is attempted to be deposited, the bank will issue this fee to the depositor of the bad check. The depositor of the bad check will usually pass this fee back to the issuer of the check.

Options 1 & 2 - No minimum balance Option 3 - $250 Option 4 - $400 Negative Balance Fee - $3.00 Below Minimum Balance Fee $9.95 This fee is incurred when the checking account balance goes below zero. This typically occurs when the account incurs a bank fee after the account is already drained. This fee is incurred by the account holder when the account balance goes below the minimum balance required. Options 1 & 2 - No minimum balance Option 3 - $250 Option 4 - $400

To be handed to the vendor when the check clears. $650 Payment To be handed to the vendor when the check clears.

This is a notification of a rent bill due in the amount of $650. Vista Vue Bill for $650 Per Diem $3 per day This is a notification of a rent bill due in the amount of $650. This is a daily fee for having an outstanding balance after the due date.

Late Fee ($ Amounts vary by Vendor) Initial Late Penalty 150 Points ($0) This fee is incurred if a payment is not received by the bill due date plus grace period. All bills are due in full, except the credit card, which has a minimum payment. This initial 150 point deduction is incurred when a minimum payment is not received by the due date plus grace period. For bills due in full, the minimum payment = total amount due. A one-time courtesy late fee waiver can be used to recover ½ this penalty and the initial late fee.

This type of penalty cannot be waived. Daily Late Penalty This is a daily score penalty incurred each day a bill remains outstanding. Daily penalties vary by vendor. This type of penalty cannot be waived.

Cash Advance- Transfer from Credit Card (Funding provided for check) Cash Advance – charge on credit card (Amount owed on credit card) The amount of money that is needed to clear a check is borrowed from the credit card. This amount is only able to be withdrawn from the credit card if there is sufficient available credit to cover the entire amount. This overage amount is provided by the credit card to the checking account in order to fund the check. The amount of money that is needed to clear a check is borrowed from the credit card. This amount is only able to be withdrawn from the credit card if there is sufficient available credit to cover the entire amount. This overage amount is listed on the credit card as a cash advance and begins incurring interest (finance fees) immediately.