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By installing, copying, or using the Product, you agree to be bound by the terms of this End-User License Agreement (EULA). If you do not agree, do not install or use the Product. GRANT OF LICENSE: You may use and share the demonstration (Demo) version of this Product on any Palm-compatible Device for test and evaluation purposes only. The Demo version may not be used for any other purpose. You must purchase a License for each Device on which you intend to use the Full version of the Product. Details are at www.promsoft.com/23a.htm. You may not disassemble, reverse engineer, rent, lease, or lend the Product, or transfer your rights under this EULA. Without prejudice to other rights, PROM may terminate this EULA if you fail to comply with its terms and conditions, and in such an event you must destroy all copies of the Product. "AS-IS" WARRANTY: The Product uses information provided by you and/or other sources. Although it is believed to be accurate, PROM does not warrant the accuracy of the information. The Product is provided "AS IS" and without warranties as to performance or merchantability or any other warranties whether express or implied. LoanMaker and PROM are registered trademarks of PROM Software, Inc.Interest Calendar Systems Actual/365 (US Rule). This calendar system counts the actual number of days between each payment and the next throughout the loan. The daily interest rate is 1/365th of the annual interest rate. Interest is computed by the U.S. Escrow Rule and no compounding of unpaid interest is allowed. Actual to first (US Rule). This calendar system counts the actual number of days between the loan date and the first due date, and considers all subsequent periods to be 1/12th of a year (30.41667 days). Interest is computed by the U.S. Escrow Rule and no compounding of unpaid interest is allowed. Federal Calendar (US Rule). This calendar system is quite complex but is somewhat similar to the old 360-day calendar -- it is described in detail in Federal Reserve Board Regulation Z, Appendix J. Interest is computed by the U.S. Escrow Rule and no compounding of unpaid interest is allowed.Warn if First Payment Falls after 28th If this option selected, the program will warn you if the first payment due date falls after the 28th day of a month. Many loan agreements have wording similar to "...and on the same day of each succeeding month." By choosing a first due date between the 1st and 28th, you are assured that the day will exist in every month.Recalculate APR Help If there are no prepaid finance charges on a loan, it is common to disclose the APR using the same method that was used to calculate the interest charge. This avoids having an APR that differs from the interest rate when there are no prepaid charges. You can check this box to recalculate the APR using the Federal Calendar even if the prepaid charges are 0. If there are prepaid charges, the APR is always recalculated using the Federal Calendar.Long Odd Days By default, the program applies reasonable limits to the number of long odd days in the first period to try to detect accidentally-entered incorrect dates. Selecting this option removes any limit to the number of long odd days. If you select this option, some loans with long odd days may not be able to be calculated. In this case, try reducing the number of odd days.LoanMaker 23A Help To calculate a loan, enter the loan amount, term and interest rate, and then click [Calc]. To view an amortization schedule of the loan, click the [Schedule] button on the Results screen. The loan is amortized using the current calendar setting on the Setup screen. You can enter the term directly, or you can click on the down arrow next to the term and then select a term from the popup list. Terms up to 360 months can be entered. You can change the first due date and/or loan date by clicking on the down arrow next to the date. 0% loans can be calculated - the monthly payment shown is the loan amount divided by the term and the last payment will usually have to be adjusted by a few cents. The total of payments is shown as the loan amount. The Setup screen allows you to change the way payments are calculated. The About... menu item provides the information needed to register the program which will make it fully functional. Although this program is primarily designed to compute installment loans, it can be used to compute mortgage payments. To compute mortgage payments, we suggest you use the Fed Calendar setting and check the Round Payment box on the Setup screen. The loan date and first payment date should be one month apart. More information is available at promsoft.com/23a.htmPrepaid Charge Help Some loans have a Loan Fee or other fee that is considered a Prepaid Finance Charge under Federal Regulation Z. Such fees affect the Finance Charge and A.P.R. To enable this type of fee, check this option - a new field will appear on the main screen allowing you to enter a fee amount. If you want to lend this fee, also check the Lend Charge option. This increases the loan amount by the amount of the fee. The loan amount you enter on the main screen becomes the proceeds to the borrower. Selecting this option automatically selects the Recalc APR option.Payment Rounding Calculated loan payments can be rounded to the nearest cent or truncated to the lower whole cent. For example, an unrounded payment of 174.5981 could be either rounded to 174.60 or truncated to 174.59. If you are trying to match the payment calculation of another calculating system and you are sometimes on and sometimes a penny low, try rounding the payment. Traditionally, installment-loan payments were truncated to avoid the possibility that the interest charge would exceed the stated rate by even a cent. This really applies to pre-computed (sometimes called 'actuarial' loans. In the age of simple-interest loans where the disclosed payment is a good-faith estimate, it has become more common to round the payment to the nearest cent.This is the demonstration version of the LoanMaker 23A program which may be used for test and evaluation purposes only. The interest rate is fixed at 5% and cannot be changed. Thanks for trying the program - we hope you like it. If you would like to purchase it or send us feedback, please visit www.promsoft.com/23a.htm where you will find ordering instructions and more information. You can also email us at info@promsoft.com PROM Software IncThank you for using the PROM LoanMaker 23A Payment Calculator. This program calculates installment loan payments with long or short odd days in the first period using any of three calendar systems: Actual/365, Actual-to-first-payment, and the Federal Calendar (as defined in Federal Regulation Z). Interest calculations are done by the U.S. Escrow Rule which escrows (i.e., does not compound) accrued but unpaid interest. The payment can be rounded to the nearest cent or truncated to the lower cent. Special floating-point math routines provide accuracy for loans up to $50,000,000. Select 'Welcome Msg' on the main menu to see this message again.