The cost of each key chain in packs of 10 for $20 is $20/10=$<<20/10=2>>2.
The cost of each key chain in packs of 4 for $12 is $12/4=$<<12/4=3>>3.
There is a price difference of $3-$2=$<<3-2=1>>1 per key chain between the two choices.
By buying 20 key chains at a lower price, Matt can save 20x$1=$<<20*1=20>>20.
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