














                              L O A N P M T

                               Version 2.1


                            A P P E N D I X  A


                   Copyright 1993 Data Language Systems
                           All Rights Reserved
                                   GTDR


                                         A-1


F1=HELP     F10=Menu            INSERT/OVERWRITE    ESC=QUIT         NUM
__          ___                                     ___
 LOANPMT Ver 2.1 
    File    Table    Comparisons    Settings                           Exit
      _         _         _                _                             _
ͻ
 Computed Field: Payment                                                     
 Loan Company:                                                               
 Borrower:                                                                   
 Comment:                                                                    
 Payment schedule (number of payments per year): Monthly                     
                                                                             
 Loan principal: $0                    Total amount financed: $0.00          
 Additional loan costs: $0                                                   
 Loan points charged: 0                Deferred principal: $0                
 Annual percentage rate (%): 0                                               
 Duration of loan in payments: 1                                             
                                                                             
 Payment: $0                                                                 
 Date of first payment (MM/DD/YY):  05/13/1992                               
                                                                             
                                                                             
                                                                             
                                                                             
 F2=Save Loan Data    F3=Load Loan Data                                      
ͼ
                        Overlay manager initialized to disk!

                            Figure 1, The LOANPMT Screen.


Ŀ
                                                                             
               Close Box                                                     
                                                                            
                []ͻ                     
                                                      Up Arrow icon       
     Home iconH     This is a sample help window.    Page up area.       
                                                                           
                                                      location            
                                                        marker             
                                                                           
     End iconE                                      Page down area      
                                                      Down arrow icon     
                ͼ                     
                                                                             


                           Figure 2, LOANPMT Help Window.


                                         A-2


F1=HELP     F10=Menu            INSERT/OVERWRITE    ESC=QUIT         NUM
 LOANPMT Ver 2.1 
    File    Table    Comparisons    Settings                           Exit
Ŀͻ
 Computed Field: Payment                                    Quit LOANPMT?  
 Loan Company:                                              Yes    No    
 Borrower:                                                       
 Comment:                                                  
 Payment schedule (number of payments per year): Monthly                     
                                                                             
 Loan principal: $0                    Total amount financed: $0.00          
 Additional loan costs: $0                                                   
 Loan points charged: 0                Deferred principal: $0                
 Annual percentage rate (%): 0                                               
 Duration of loan in payments: 1                                             
                                                                             
 Payment: $0.00                                                              
 Date of first payment (MM/DD/YY):  05/13/1992                               
                                                                             
                                                                             
                                                                             
                                                                             
                                                                             
ͼ
                           Quit LOANPMT and return to DOS?
                         Figure 3, The Exit Pull-down Menu.


F1=HELP     F10=Menu            INSERT/OVERWRITE    ESC=QUIT         NUM
 LOANPMT Ver 2.1 
    File    Table    Comparisons    Settings                           Exit
ͻ
 Computed Field: Payment                                                     
 Loan Company:                                                               
 BorĿ   
 Com                            Fatal Error!                               
 Pay                                                                       
                        FILE: LOANPMT.OVR not found!                       
 Loa                                                                       
 Add       The LOANPMT overlay manager has failed initialization.          
 Loa  LOANPMT cannot run without the overlay manager.                      
 Ann                                                                       
 Dur       Refer to the "Overlay Manager" section in the LOANPMT           
      manual for help in resolving this error.                             
 Pay                                                                       
 Dat    <Press any key or left-click the mouse to terminate LOANPMT>       
       
                                                                             
                                                                             
                                                                             
 F2=Save Loan Data    F3=Load Loan Data                                      
ͼ

                       Figure 4, Fatal Overlay Error Message.


                                         A-3


F1=HELP     F10=Menu            INSERT/OVERWRITE    ESC=QUIT         NUM
 LOANPMT Ver 2.1 
    File    Table    Comparisons    Settings                           Exit
ͻ
 Computed Field: Payment                                                     
 Loan Company:                                                               
 Bor[]ͻ   
 Com                       Overlay Manager Error!                          
 Pay                          File not found!                              
        Overlay Manager was initialized, but LOANPMT.OVR not found!        
 Loa                                                                       
 Add     LOANPMT cannot run without the file LOANPMT.OVR.  Refer to        
 Loa the "Overlay Manager" section in the LOANPMT manual for help in       
 Ann resolving this error.  If you can fix this error, select              
 Dur "CONTINUE".  Otherwise, select "QUIT" to terminate LOANPMT and        
     return to DOS.                                                        
 Pay                                                                       
 Dat                                                                       
                                                                           
                    Continue                     Quit                    
                                                   
                                                                           
 F2=ͼ   
ͼ
          "LOANPMT.OVR" not found!  Requested program function UNAVAILABLE!

                      Figure 5, Overlay Manager Error Message.


Ŀ
                                                                             
  F1=HELP     F10=Menu            INSERT/OVERWRITE    ESC=QUIT         NUM   
                                                                             


                           Figure 6, LOANPMT Status Line.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
                                                                             


                        Figure 7, LOANPMT Pull-down Menu Bar.


                                         A-4


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
 Ŀ                                                               
  About ...                                                                
                                                                
                                                                             


                         Figure 8, The ABOUT Pull-down Menu.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
     Ŀ                                                       
      Save (F2) ...                                                        
      Load (F3) ...                                                        
                                                            
                                                                             


                         Figure 9, The FILE Pull-down Menu.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
     Ŀ                                                       
      Save (F2) ...                                                        
      Load (F3) ... []Save Data to Filename: ͻ            
     ĺ                                                      
                     ͼ            
                                                                             


                           Figure 10, The SAVE dialog box.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
     Ŀ                                                       
      Save (F2) ...                                                        
      Load (F3) ... []Load Data from Filename: ͻ            
     ĺ *                                                    
                     ͼ            
                                                                             


                           Figure 11, The LOAD dialog box.


                                         A-5


Ŀ
                                                                             
         Close Box                                                           
                                                                            
          []DIRECTORY OF: C:\LPMT\*.PMTͻ Up Arrow        
             EXAMPLE1.PMT   LPMTINIT.PMT   \..\           icon          
     HomeH   \LOANS\        [-A-]          [-B-]          Page Up         
     icon    [-C-]                                           area          
                                                          location        
                                                            marker         
                                                                           
                                                           Page down       
     EndE                                                area         
     icon                                                 Down arrow      
          ͼ    icon         
                                                                           
        Left arrow                                  Right arrow              
           icon                                         icon                 
                                                                             


                        Figure 12, The LOAD File Menu Window.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
             AmortizationĿ                                                
              Display                                                      
              Print                                                        
              Save                                                         
                                                             
                                                                             


              Figure 13, The TABLE Pull-down Menu (Amortization Mode).


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
             Payoff Summary                                                
              Display                                                      
              Print                                                        
              Save                                                         
                                                             
                                                                             


                 Figure 14, The TABLE Pull-down Menu (Payoff Mode).


                                         A-6


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
             AmortizationĿ                                                
              Display      Ŀ                    
              Print                                                       
              Save            No Amortization table                       
             ĳ        available!                             
                                                                           
                              Press ESC to continue.                       
                                                                           
                                                
                                                                             


                  Figure 15, No Amortization Table Available Error.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
             AmortizationĿ                                                
              Display      Ŀ                    
              Print          ALL   1992   1993   1994                     
              Save          1995   1996   1997   1998                     
             ĳ 1999   2000   2001   2002                     
                             2003   2004   2005   2006                     
                             2007   2008   2009   2010                     
                             2011                                          
                                                                           
                                                                           
                                                                           
                                                                           
                                                                           
                                                                           
                                                                           
                                                
                                                                             


               Figure 16, The Amortization Table Year Selection Menu.


                                         A-7


    Close Box
        
     []PMT: $293.83 AMT FINANCED: $4800.00 ͻ Up Arrow
                     The Last National Bank of Yorktown             icon
HomeH   APR   PAYMENT    PAYMENT  INTEREST    PRINCIPAL    BALANCE  Page Up
icon  12.500%   DATE      NUMBER   PAYMENT     PAYMENT     OF LOAN     area
              09/01/89       1       50.00      243.83      4556.17 location
              10/01/89       2       47.46      246.37      4309.80   marker
              11/01/89       3       44.89      248.94      4060.86 
              12/01/89       4       42.30      251.53      3809.33 
                 TOTAL             PAYMENTS   
           FOR YEAR 1989:    4   $  184.65 + $  990.67 = $  1175.32 
           TOTAL-TO-DATE:    4   $  184.65 + $  990.67 = $  1175.32 
                                                                    
              01/01/90       5       39.68      254.15      3555.18 
              02/01/90       6       37.03      256.80      3298.38 
              03/01/90       7       34.36      259.47      3038.91 
              04/01/90       8       31.66      262.17      2776.74 
              05/01/90       9       28.92      264.91      2511.83 
              06/01/90      10       26.16      267.67      2244.16 
              07/01/90      11       23.38      270.45      1973.71    Page
              08/01/90      12       20.56      273.27      1700.44    Down
EndE         09/01/90      13       17.71      276.12      1424.32 area
icon          10/01/90      14       14.84      278.99      1145.33 Down
     BORROWER: Data Language Systems ͼ  Arrow
                            Office Improvement Loan                      icon

                  Figure 17, The Amortization Table Display Window.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
           AmortizationĿ                                                  
            Display                                                        
            Print        Ŀ                                     
            Save          LPT1 (PRN)                                      
           ĳ LPT2                                            
                           LPT3                                            
                                                               
                                                                             


           Figure 18, The Amortization Table Printer Port Selection Menu.


                                         A-8


Ŀ
                                                                             
                            []ͻ                       
                                                                           
                               Printer ERROR $18                           
                                                                           
                                CANCEL PRINTOUT?                           
                                                                           
                                Yes        No                            
                                                             
                            ͼ                       
                                                                             
                                                                             
                               Printer not ready!                            
                                                                             


                    Figure 19, The Printer Error Message Window.


Ŀ
                                                                             
                            []ͻ                       
                                                                           
                                CANCEL PRINTING?                           
                                                                           
                                                                           
                                                                           
                                Yes        No                            
                                                             
                            ͼ                       
                                                                             


                       Figure 20, The Cancel Printing Window.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
             AmortizationĿ                                                
              Display                                                      
              Print                                                        
              Save         []Save Amortization Table to Filename:      
             ĺ EXAMPLE1                                      
                            ͼ     
                                                                             


                 Figure 21, The Save Amortization Table Dialog Box.


                                         A-9


[] LOANPMT Ver 2.1 ͻ
                                                                             
                       *** LOAN PAYOFF CALCULATION ***                       
                      The Last National Bank of Yorktown                     
                                   04/15/92                                  
                                                                             
                       BORROWER: Data Language Systems                       
                      LOAN FOR: Office Improvement Loan                      
                                                                             
          Total amount financed: $4800.00                                    
          Annual percentage rate (APR): 12.5000%                             
          Monthly payment: $293.83                                           
          Initial number of monthly payments: 18                             
          Number of monthly payments already made: 1                         
          Number of monthly payments remaining: 17                           
          Amount required to payoff loan: $4556.17                           
                                                                             
                                                                             
                                                                             
                                                                             
                                                                             
                                                                             
ͼ
                              Press ESC to quit display

                     Figure 22, The Loan Payoff Summary Window.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
             Payoff Summary                                                
              Display                                                      
              Print        Ŀ                                   
              Save          LPT1 (PRN)                                    
             ĳ LPT2                                          
                             LPT3                                          
                                                               
                                                                             


             Figure 23, The Payoff Summary Printer Port Selection Menu.


                                        A-10


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
             Payoff Summary                                                
              Display                                                      
              Print                                                        
              Save         []Save Payoff Summary to Filename: ͻ     
             ĺ EXAMPLE1                                      
                            ͼ     
                                                                             


                 Figure 24, The Save Loan Payoff Summary Dialog Box.

Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
                      Ŀ                              
                       Principal vs Payments                               
                       Principal vs APR                                    
                                                    
                                                                             


        Figure 25, The Comparisons Pull-down menu: Duration Mode = Payments.

Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
                      Ŀ                              
                       Principal vs Years                                  
                       Principal vs APR                                    
                                                    
                                                                             


          Figure 26, The Comparisons Pull-down menu: Duration Mode = Years.

Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
                      Ŀ                              
                       Principal vs Payments                               
                       Principal vs APR                                    
                      Ŀ          
                                Principal increment: 1000.00               
                                  Payment increment: 1                     
                                         
                                                                             


             Figure 27, The Principal vs Payments Increments Dialog Box.


                                        A-11


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
                      Ŀ                              
                       Principal vs Years                                  
                       Principal vs APR                                    
                      Ŀ          
                                Principal increment: 1000.00               
                                    Years increment: 1                     
                                         
                                                                             


              Figure 28, The Principal vs Years Increments Dialog Box.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
                      Ŀ                              
                       Principal vs Payments                               
                       Principal vs APR                                    
                      Ŀ          
                                Principal increment: 1000.00               
                                      APR increment: 0.125                 
                                         
                                                                             


               Figure 29, The Principal vs APR Increments Dialog Box.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
                      Ŀ                              
                       Principal vs Payments                               
                       Principal vs APR                                    
                      Ŀ            
                              Principal increment: 1000.00                 
                                Payment increment: 1           Ŀ  
                             ĳ Display   
                                                                 Print     
                                                                 Save      
                                                                  
                                                                             


               Figure 30, The Comparison Table Output Selection Menu.


                                        A-12


     Close Box
         
      [] LOANPMT Ver 2.1 ͻ Up Arrow
        (1 YR, 6 MO, 0 WK)  LOAN COMPARISON  18 Monthly Payments   icon
 HomeH      APR => 12.500%   12.625%   12.750%   12.875%   13.000% Page Up
 icon  PRINCIPAL ($)                                                  area
         4800.00    293.83    294.11    294.39    294.67    294.95 Vertical
         5800.00    355.04    355.38    355.72    356.06    356.40  location
         6800.00    416.26    416.65    417.05    417.45    417.84   marker
         7800.00    477.47    477.93    478.38    478.84    479.29 
         8800.00    538.69    539.20    539.71    540.23    540.74 
         9800.00    599.90    600.47    601.04    601.62    602.19 
        10800.00    661.12    661.75    662.37    663.00    663.63 
        11800.00    722.33    723.02    723.71    724.39    725.08 
        12800.00    783.55    784.29    785.04    785.78    786.53 
        13800.00    844.76    845.56    846.37    847.17    847.98    Page
        14800.00    905.98    906.84    907.70    908.56    909.42    Down
 End--E  15800.00    967.19    968.11    969.03    969.95    970.87 area
 icon   16800.00   1028.40   1029.38   1030.36   1031.34   1032.32 Down
      ۰ͼ  Arrow
                                                                  icon
    LeftPage    Horizontal                                PageRight
   Arrow  Left     Location                                 Right  Arrow
    icon  Area     Marker                                    Area  icon

                   Figure 31, The Comparison Table Display Window.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
                      Ŀ                              
                       Principal vs Payments                               
                       Principal vs APR                                    
                      Ŀ            
                              Principal increment: 1000.00                 
                                    APR increment: 0.125       Ŀ  
                             ĳ Display   
                                                                 Print     
                                                         Ŀ     
                                                          LPT1 (PRN)   
                                                          LPT2             
                                                          LPT3             
                                                               
                                                                             


            Figure 32, The Comparison Table Printer Port Selection Menu.


                                        A-13


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
                      Ŀ                              
                       Principal vs Payments                               
                       Principal vs APR                                    
                      Ŀ            
                              Principal increment: 1000.00                 
                                    APR increment: 0.125       Ŀ  
                             ĳ Display   
                                                                 Print     
                                                                 Save      
                           []Save Comparison Table to Filename: ͻ  
                                                                           
                           ͼ      
                                                                             


                  Figure 33, The Save Comparison Table Dialog Box.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
                                     Ŀ                  
                                      Computed field ...                   
                                      Duration mode ...                    
                                      Currency symbol...                   
                                      Date format ...                      
                                                       
                                                                             


                       Figure 34, The Settings Pull-down Menu.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
                                     Ŀ                  
                                      Computed field ... Ŀ
                                      Duration mode ...   Principal       
                                      Currency symbol...  APR             
                                      Date format ...     Duration        
                                     ĳ Payment         
                                                           Payoff          
                                                           Dfr'd Principal 
                                                          ٳ
                                                                             


                    Figure 35, The Computed Field Selection Menu.


                                        A-14


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
                                     Ŀ                  
                                      Computed field ...                   
                                      Duration mode ...  Ŀ       
                                      Currency symbol...  Payments        
                                      Date format ...     Years           
                                            
                                                                             


                    Figure 36, The Duration Mode Selection Menu.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
                                     Ŀ                  
                                      Computed field ...                   
                                      Duration mode ...                    
                                      Currency symbol...                   
                                      Date format ...                      
                                     Ŀ
                                                      Currency symbol:  $  
                                                     ٳ
                                                                             


                     Figure 37, The Currency Symbol Dialog Box.


Ŀ
                                                                             
     File    Table    Comparisons    Settings                          Exit 
                                     Ŀ                  
                                      Computed field ...                   
                                      Duration mode ...                    
                                      Currency symbol...                   
                                      Date format ...    Ŀ   
                                     ĳ 1) MM/DD/YY     
                                                           2) DD-Mon-YY    
                                                           3) DD.MM.YY     
                                                             
                                                                             


                     Figure 38, The Date Format Selection Menu.


                                        A-15


F1=HELP     F10=Menu            INSERT/OVERWRITE    ESC=QUIT         NUM
 LOANPMT Ver 2.1 
    File    Table    Comparisons    Settings                           Exit
ͻ
 Computed Field: Payment                                                     
 Loan Company: The Last National Bank of Yorktown                            
 Borrower: Data Language Systems                                             
 Comment: Office Improvement Loan                                            
 Payment schedule (number of payments per year): Monthly                     
Ŀ
 Yearly   Semiyearly   Quarterly   Monthly   Semimonthly   Biweekly  Weekly 
ٺ
 Loan points charged: 0                Deferred principal: $0                
 Annual percentage rate (%): 12.5                                            
 Duration of loan in payments: 18                                            
                                                                             
 Payment: $293.83                                                            
 Date of first payment (MM/DD/YY):  09/01/1989                               
                                                                             
                                                                             
                                                                             
 F2=Save Loan Data    F3=Load Loan Data                                      
ͼ
             Select loan payment schedule (number of payments per year).

                Figure 39, The Loan Payment Schedule Selection Menu.


F1=HELP     F10=Menu            INSERT/OVERWRITE    ESC=QUIT    CAPS NUM
 LOANPMT Ver 2.1 
    File    Table    Comparisons    Settings                           Exit
ͻ
 Computed Field: Principal                                                   
 Loan Company: The Last National Bank of Yorktown                            
 Borrower: Data Language Systems                                             
 Comment: Office Improvement Loan                                            
 Payment schedule (number of payments per year): Monthly                     
                                                                             
 Loan principal: $ NO SOLUTION         Total amount financed: $4800.00       
 Additional loan costs: $0                                                   
 Loan points charged: 0                Deferred principal: $0                
 Annual percentage rate (%): 12.5                                            
 Duration of loan in payments: 18                                            
                                                                             
 Payment: $999999                                                            
 Date of first payment (MM/DD/YY):  09/01/1989                               
                                                                             
                                                                             
                                                                             
 F2=Save Loan Data    F3=Load Loan Data    F4="NO SOLUTION" Hint             
ͼ
Enter duration of loan in number of payments (use Settings to change to years).

                  Figure 40, "NO SOLUTION" for the Computed Field.


                                        A-16


F1=HELP     F10=Menu            INSERT/OVERWRITE    ESC=QUIT    CAPS NUM
 LOANPMT Ver 2.1 
    File    Table    Comparisons    Settings                           Exit
ͻ
 Computed Field: Principal                                                   
 Loan Company: The Last National Bank of Yorktown                            
 Borrower: Data Language Systems                                             
 Comment: Office Improvement Loan                                            
 Payment schedule (number of payments per year): Monthly                     
                                                                             
 Loan principal: $ NO SOLUTION         Total amount financed: $4800.00       
 Additional loan costs: $0                                                   
 Loan points charged: 0                Deferred principal: $0                
 Annual percentage rate (%): 12.5                                            
 Duration of loan in payments: 18                                            
                                                                             
 Payment: $999999                                                            
 Date of first payment (MM/DD/YY):  09/01/1989                               
                                                                             
                                                                             
                                                                             
                                                                             
 F2=Save Loan Data    F3=Load Loan Data    F4="NO SOLUTION" Hint             
ͼ
                   CALC ERROR==payment must not exceed  $612145.65

                Figure 41, "NO SOLUTION" Hint for the Computed Field.
