The following exhibit was established using the CarCalcsu2122 module in conjunction with the CarletonCalcs® Origination module which highlights the significant impact CarCalcsu2122 has on payment computations and the accuracy of the final cost a borrower can expect to pay when consummating their motor vehicle retail installment contract:

• The data shows the difference between the base payment quoted for a vehicle with a $20,000 sales price over a 60 month term ($426.44)

• Each column represents the increased amount of the final payment a borrower receives at closing after adding in state specific sales tax, title and registration fees

• Across all states the average difference in the initially quoted monthly payment and the accurate final sales price payment is $30.51