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OK" ^!Federal CalendarActual/365Actual to 1st# < Calendar$i/ Menu%,pBCalendar SelectionRound PaymentsWarn after 28thLong Odd-day LimitPrepaid ChargesAlways Run LoanMaker SP&= Warn if First Pmt after 28th'1a Round Payments(I Extend Limit on Long Odd Days)U Use Prepaid Charge*ag Lend Charge+r Always Run LoanMaker SP, Interest Calendar- *Df~ Hp&LAbout.B @ /m B06Product ID:1aAuthorization code: OK2Name:3'r @ 4'$r B 5$Serial:6,m! B7Tm* B8m B9&m-:Om-;m-<TVersion=(T3 >^T< ?Ipromsoft.com/23d@FY License AgreementA^ 2004 PROMz{|}@EndTagC b| LoanMaker 23ADvE OKvFGx CopyEnd-User License Agreement IMPORTANT - READ CAREFULLY: This is a legal agreement between you (either an individual or single entity) and PROM Software for this software Product. 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 obtain a License for each Device on which you intend to use the Full version of the Product. 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.Always Run LoanMaker SP Checking this box sets your Palm Handheld as a dedicated LoanMaker SP calculation tool. The program will automatically start when you turn the Handheld on, and no other applications will run. If you want to use other applications on your Palm as well as LoanMaker SP, remove the checkmark.Interest Calendar Systems 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. 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.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.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 extends the 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.To calculate a loan, select the payment frequency (monthly, quarterly, annual or biweekly). Then enter the loan amount, interest rate, and term , and then tap [Calc Loan]. [To select a different loan type, tap the [Done] button and make the selection.] After the loan is calculated, tap [Details...] on the Results screen for a full disclosure. Tap [Am Schedule...] on the Results screen for an amortization schedule which shows the principal balance due at the end of each period in the loan. If a payment is to be skipped, an 'x' appears after the payment date. For 0%-to-first-payment and Dual-rate/dual-payment loans, a '' appears after the payment date to indicate that the interest rate has changed from the initial rate to the contract rate. Payment Frequencies Monthly loans have 12 payments per year, quarterly have 4, annual have 1, and biweekly have 26 (every 14 days). The biweekly loan is accelerated resulting in a shorter term (e.g., a 120 month loan will have 240 biweekly payments). Terms The Loan Term is always entered in months. For annual payments, the term must be some multiple of 12 months, for quarterly some multiple of 3 months, and for biweekly some multiple of 6 months (there being exactly 13 biweekly payments every 6 months). The Loan Term can be entered directly or by clicking on the down arrow next to the term field and selecting the term from the popup list. The Initial Term is always entered in months (used only for the Dual-rate/dual-payment loan). For biweekly loans, the initial term is the actual term (not accelerated). For example, an initial term of 12 months would represent 26 payments. Dates The Loan Date defaults to today, and the First Due Date to one month ahead for monthly loans, 12 months ahead for annual, 3 months ahead for quarterly, or 14 days ahead for biweekly loans. The dates can be changed by clicking on the down arrow and selecting them from the popup calendars. Rates The Rate(%) is the loan interest rate except for an optional initial period. On a Dual-rate/dual-payment loan, you can specify an initial interest rate (which can be 0%) and an initial term during which it is in effect. On a 0%-to-first-payment loan, the interest rate is 0% until the day the first payment is made. 0% Standard 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. Rate Buydown For Dual-rate/dual-payment or 0%-to-first-payment loans, the cost of buying down the initial interest rate is calculated. It appears as the 'BD' (for buydown) on the Results screen, and in the Loan Details. Skipped Payments If Enable Seasonal Skips is checked on the initial screen, you can specify up to three months where no payments are to be made. (Skips are not available for annual-payment loans.) Prepaid Charge If the prepaid charge feature is enabled, you can enter a loan fee. (Not all states use this fee.) The fee is added to the loan and finance charge, and affects the A.P.R.Prepaid 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.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.To calculate a loan, select the loan type: 1) Standard: Loans at a single interest rate with a stream of periodic payments. 2) Dual-Rate/Dual-Payment: Loans with a lower (including 0%) interest rate during an initial period. 3) 0%-To-First-Payment: Loans with 0% interest rate until the first payment due date. If you wish to specify seasonal skipped payments, check the 'Enable Seasonal Skips' checkbox. To register the program, select 'About/Register' from the Menu. To view the Setup screen, select 'Setup' from the Menu.This program needs to be registered to be fully functional -- details are on the About/Register screen. (Tap 'Menu' on the main screen and then select About/Register.) Until it is registered, it will run in a limited mode for test and evaluation purposes. PROM Software IncThank you for using the PROM LoanMaker SP Dual-Rate, Skip-Payment Calculator. This program computes three types of installment loans: 1) Standard installment loans. 2) Dual-Rate/Dual-Payment loans with a lower (including 0%) interest rate during an initial period. 3) 0%-To-First-Payment loans where the interest rate is 0% until the first payment due date. All three types of loans can have annual, quarterly, monthly, or biweekly payments. Quarterly, monthly and biweekly-payment loans can have seasonal skips; up to three months can be specified in which no payments are to be made. Interest calculations are done by the U.S. Escrow Rule which escrows (i.e., does not compound) accrued but unpaid interest. This is the method used by loan tracking computer systems for consumer loans. Select 'Welcome Msg' on the main menu to see this message again.S z"BfLoanMaker SPTB~7 Standard Dual-Rate/Dual-Payment 0% To First PaymentSetup/ConfigurationAbout/RegisterU5Select Loan Type:V23D Ver 000.000.00000Wx Enable Seasonal Skips?XOYj2 MenuZWE@HelpWelcome Msg[LoanMaker 23D with Buydown Cost