














                                 L O A N P M T

                                  Version 2.1


                            U S E R ' S   G U I D E


                 Copyright (C) 1989-1993, Data Language Systems
                              All Rights Reserved
                                      GTDR





























                        This software is provided as-is.
                 There are no warranties, expressed or implied.


                                       i

                              LOANPMT Version 2.1

                               Table of Contents                    Page
        System Requirements...........................................1
        Documentation Figures.........................................1
        Introduction..................................................1
        LOANPMT 2.1 Enhancements......................................2
        LOANPMT Distribution Files....................................3
        Quick Start...................................................3
        Installing LOANPMT............................................6
           Single or Dual Floppy Systems..............................6
           Hard Disk Systems..........................................8
           Using LOANPMT in Windows...................................9
        Using LOANPMT................................................10
           On-line Help..............................................10
           EXITING LOANPMT...........................................11
        Overlays and LOANPMT.OVR.....................................11
           LIM EMS Support...........................................14
        Data Entry...................................................14
           Hotkeys...................................................14
           Data Field Editing........................................15
           Using Selection Menus.....................................16
           Navigating Between Date Entry Fields......................16
        Program Control Features.....................................16
        Pull-down Menus..............................................18
           About Menu................................................18
           File Menu.................................................18
              Saving Loan Data.......................................18
              Loading Loan Data......................................19
           Table Menu................................................21
              Displaying an Amortization Table.......................22
              Printing an Amortization Table.........................23
              Saving an Amortization Table...........................25
              Displaying a Loan Payoff Summary.......................26
              Printing a Loan Payoff Summary.........................26
              Saving a Loan Payoff Summary...........................27
           Comparisons Menu..........................................28
              Principal vs. Payments.................................28
              Principal vs. Years....................................29
              Principal vs. APR......................................30
              Displaying a Loan Comparison Table.....................30
              Printing a Loan Comparison Table.......................32
              Saving a Loan Comparison Table.........................33
           Settings Menu.............................................35
              Selecting a Computed Field.............................35
              Selecting a Duration Mode..............................35
              Selecting a Currency Symbol............................36
              Selecting a Date Format................................37
        Data Entry Fields............................................38
           Loan Company..............................................38
           Borrower..................................................38
           Comment...................................................38
           Payment schedule..........................................38
           Loan principal............................................39


                                       ii

           Additional Loan Costs.....................................39
           Loan Points Charged.......................................39
           Deferred Principal........................................39
           Annual Percentage Rate (%)................................39
           Duration of Loan..........................................40
           Number of Payments Already Made...........................40
           Payment...................................................40
           Date of First Payment.....................................40
        No Solution..................................................41
        Loan Payoff Data Entry Verification..........................42
        LOANPMT Initialization File (LPMTINIT.PMT)...................42
        Program History..............................................43
        Program Enhancement Requests
        (How to Receive a Free Program Upgrade)......................45
        Reporting LOANPMT Bugs
        (How to Receive a Free Program Upgrade)......................46
        Software License.............................................47
        User Support.................................................48
        A note about SHAREWARE.......................................48
        Disclaimer...................................................49
        Other Data Language Systems SHAREWARE Programs...............50
        User Registration Form.......................................52
        Invoice......................................................53


        APPENDIX A - LOANPMT Figures

        Figure 1, The LOANPMT Screen................................A-1
        Figure 2, LOANPMT Help Window...............................A-1
        Figure 3, The Exit Pull-down Menu...........................A-2
        Figure 4, Fatal Overlay Error Message.......................A-2
        Figure 5, Overlay Manager Error Message.....................A-3
        Figure 6, LOANPMT Status Line...............................A-3
        Figure 7, LOANPMT Pull-down Menu Bar........................A-3
        Figure 8, The ABOUT Pull-down Menu..........................A-4
        Figure 9, The FILE Pull-down Menu...........................A-4
        Figure 10, The SAVE Dialog Box..............................A-4
        Figure 11, The LOAD Dialog Box..............................A-4
        Figure 12, The LOAD File Menu Window........................A-5
        Figure 13, The TABLE Pull-down Menu (Amortization Mode).....A-5
        Figure 14, The TABLE Pull-down Menu (Payoff Mode)...........A-5
        Figure 15, The No Amortization Table Available Error........A-6
        Figure 16, The Amortization Table Year Selection Menu.......A-6
        Figure 17, The Amortization Table Display Window............A-7
        Figure 18, The Amortization Table Printer Port
                   Selection Menu...................................A-7
        Figure 19, The Printer Error Message Window.................A-8
        Figure 20, The Cancel Printing Window.......................A-8
        Figure 21, The Save Amortization Table Dialog Box...........A-8
        Figure 22, The Loan Payoff Summary Window...................A-9
        Figure 23, The Payoff Summary Printer Port Selection Menu...A-9
        Figure 24, The Save Loan Payoff Summary Dialog Box.........A-10
        Figure 25, The COMPARISONS Pull-down Menu
                   (Duration Mode = Payments)......................A-10


                                      iii

        Figure 26, The COMPARISONS Pull-down Menu
                   (Duration Mode = Years).........................A-10
        Figure 27, The Principal vs. Payments
                   Increments Dialog Box...........................A-10
        Figure 28, The Principal vs. Years
                   Increments Dialog Box...........................A-11
        Figure 29, The Principal vs. APR
                   Increments Dialog Box...........................A-11
        Figure 30, The Comparison Table Output Selection Menu......A-11
        Figure 31, The Comparison Table Display Window.............A-12
        Figure 32, The Comparison Table
                   Printer Port Selection Menu.....................A-12
        Figure 33, The SAVE Comparison Table Dialog Box............A-13
        Figure 34, The SETTINGS Pull-down Menu.....................A-13
        Figure 35, The Computed Field Selection Menu...............A-13
        Figure 36, The Duration Mode Selection Menu................A-14
        Figure 37, The Currency Symbol Dialog Box..................A-14
        Figure 38, The Date Format Selection Menu..................A-14
        Figure 39, The Loan Payment Schedule Selection Menu........A-15
        Figure 40, "NO SOLUTION" for the Computed Field............A-15
        Figure 41, "NO SOLUTION" Hint for the Computed Field.......A-16



                                       1

             You may  want to  dispense with all the details, and get up
        and running LoanPmt as quickly as possible.  If so, skip forward
        to the section titled "QUICK START" in this manual.


                              SYSTEM REQUIREMENTS

        To use LoanPmt you must have at least the following:

             IBM PC, XT, AT, PS/1, PS/2 or a 100% compatible computer.
             137K of free RAM.
             IBM-DOS or MS-DOS Version 2.0 or higher.
             One floppy diskette drive (min.), hard disk (optional).
             Monochrome monitor.

        Optional hardware, etc. supported:

             Color monitor       - full color  displays are provided for
                                   color monitors.
             Printer             - up to  three  printers  (LPT1  (PRN),
                                   LPT2, and LPT3) are supported.
             LIM EMS RAM         - if detected,  LoanPmt will  load  the
                                   overlay file LOANPMT.OVR into EMS.
             Numeric coprocessor - if a numeric coprocessor (such as the
                                   8087,   80287,    80387,   etc.)   is
                                   detected, LoanPmt will use it for all
                                   floating point calculations.
             Mouse               - full mouse support is provided.
             Windows compatible  - An icon is provided for use in
                                   Microsoft Windows.

             IBM, IBM-DOS,  PC, XT,  AT, PS/1,  and PS/2  are registered
        trademarks of  the International  Business Machines Corporation.
        MS-DOS and Windows are registered trademarks of Microsoft Inc.


                             DOCUMENTATION FIGURES

             The figures  referred throughout  this manual are contained
        in Appendix A of the printed manual.  They are also contained in
        the file  APPENDXA.TXT on  the distribution  disk.    This  file
        contains extended ASCII graphics characters.  Some printers will
        not print  these characters.   Make  sure your printer can print
        these characters  before printing this file.  Since your CRT can
        display these  characters, the file also can be viewed using the
        DOS command  TYPE | MORE, an ASCII text editor, browse programs,
        etc.


                                  INTRODUCTION

             LoanPmt is  a multi-functional  loan  calculation  program.
        Via a  pull-down menu, principal, APR, term (duration), payment,
        loan payoff,  or deferred  principal can be separately computed.


                                       2

        The selected  computed field is updated (recomputed) immediately
        after any  of the other loan parameters are entered.  Additional
        loan costs  and loan  points can  optionally  be  added  to  the
        principal.  Amortization tables showing actual payment dates and
        loan payoff  summaries can  be printed,  displayed, or  saved to
        disk for all loans computed.

             Loan information can be saved to or loaded from disk.  Loan
        comparison tables  can be displayed, printed, or saved.  LoanPmt
        also supports  international currency  symbols and date formats.
        User-defined loan  parameters, currency  symbol, and date format
        can be saved in an initialization file.

             If you are using LoanPmt as a loan planning tool, then keep
        the following  in mind.   For various reasons the results of the
        program can  vary from the actual amounts that may be charged by
        different  lenders.    There  can  be  other  hidden  costs  and
        different accounting  practices (most  usually allowed  by  U.S.
        law) that  can be used.  This program assumes a straight-forward
        approach, and  allows for  costs and points to be added.  Only a
        loan institution  can tell  you what  the actual costs, payment,
        etc. for  a given  loan from  them will  be.   Therefore, always
        consult with  your loan  agency for  the actual  amount that you
        will be  charged for  a given  loan.   The  right  time  to  ask
        questions and  demand explanations  is before you sign anything.
        This is  especially true  if a loan agency tries to charge you a
        higher payment  than what  was computed  with this  program.  By
        U.S. law (the federal truth in lending act), you are entitled to
        a full explanation of all loan costs, etc.


                            VERSION 2.1 ENHANCEMENTS

             Version 2.1  provides many  enhancements over Version 2.0x.
        These include:

             1. Improved file load menu (drive names added).
             2. Deferred principal added as a computed field.
             3. Computed field name is highlighted.
             4. Single  years   can  be   selected   for   printing   an
                amortization table.
             5. Error trapping  has been  improved.  Non-critical errors
                cause NO  SOLUTION to be displayed in the computed field
                so the cursor can be moved to the next input field.
             6. Currency symbol bug in payoff mode fixed.
             7. Erratic initial payment dates bug in DISPLAY mode fixed.
             8. Fixed bug that caused deferred principal interest not to
                be added when computed field is Duration.
             9. Fixed bug  that caused  UAE in Windows on some PC's when
                NOEMS switch used with EMM386.EXE.
            10. Invalid payment  dates  bug  when  semimonthly  payments
                selected and  initial payment  date is the 30th of a 31-
                day month fixed.


                                       3

            11. Mouse  pointer  display  problem  with  Microsoft  mouse
                driver V8.2 (distributed with Windows) fixed.


                           LoanPmt DISTRIBUTION FILES

             Distribution disks  obtained directly  from  Data  Language
        Systems are  not archived.   We  ship LoanPmt  on either two (2)
        5.25" 360K disks or one (1) 3.5" 720K disk.  The README.TXT file
        on our  disks lists  the files  contained on  each disk.   Disks
        obtained  from   other  authorized   distribution  sources  will
        probably be archived.

             The following  files are  contained on  authorized  LoanPmt
        distribution disks:

             LOANPMT.EXE  - Executable LoanPmt program.
             LOANPMT.OVR  - LoanPmt program overlay files.
             LOANPMT.TXT  - Documentation for the LoanPmt program.
             LOANPMT.ICO  - LoanPmt Windows ICON.
             APPENDXA.TXT - Appendix A, documentation figures.
             INVOICE.TXT  - Registration & Invoice forms.
             QKSTART.TXT  - QUICK START documentation.
             LPMTINIT.PMT - LoanPmt initialization file.
             EXAMPLE1.PMT - Loan payment file example #1.
             EXAMPLE1.AMR - Loan amortization table file example #1.
             README.TXT   - Start-up instructions, etc.
             README.BAT   - Batch file to type out README.TXT.

             If you  do not  have all  the files  listed,  you  have  an
        unauthorized copy of LoanPmt.  To receive an authorized diskette
        with the  latest version  of all the distribution files, you may
        order one  directly from  Data Language Systems.  Send $5.00 (US
        funds only  DRAWN ON  A U.S. or Canadian BANK) plus shipping and
        handling ($3.50  for shipments  to U.S.,  $4.50  to  Canada  and
        Mexico, or  $6.00 to  all other locations).  Simply fill out and
        mail the  Invoice in this manual or in the file INVOICE.TXT.  If
        you wish  to use  MasterCard or Visa, you may call Data Language
        Systems at  the phone number listed on the Invoice or contact us
        at CompuServe 72331,240.


                                  QUICK START

             This section  is for  the LoanPmt  user who doesn't want to
        initially wade  through all  the  program  documentation.    The
        experienced PC  user will  find LoanPmt  very intuitive and thus
        very easy  to learn  and use.  It is likely that most users will
        only need  to read this section and use the on-line help (F1) to
        become proficient using LoanPmt.

             If you  will be  running the  program from  floppy disk, we
        recommend copying  the program files LOANPMT.EXE and LOANPMT.OVR
        to another  floppy disk.  Always run the program from a diskette


                                       4

        other than  the distribution  disk.  This preserves the original
        files in case something goes wrong with the working copies.

             To run  the program from a hard drive, we recommend copying
        the LoanPmt  files to  a directory  named \LPMT, but any name of
        your choice  will work.   If  you are  upgrading from a previous
        version of LoanPmt, you can simply copy the new version over the
        older version.   If  you want  to keep the older version on your
        hard disk  you must  create a  new  directory  to  install  this
        version into (i.e., \LPMT20, etc.).  For further help setting up
        the program,  see the section titled "Installing LoanPmt" in the
        manual.

             Although LoanPmt  is a  DOS  application,  it  can  run  in
        Microsoft Windows.   See  the section  titled "Using  LoanPmt in
        Windows" for  instructions on  how to  setup LoanPmt  to run  in
        Windows 3.x.

             LoanPmt uses  program overlay  files.  Program overlay code
        is loaded  into RAM  only when  it is  needed by  LoanPmt.   The
        program uses  this technique  to conserve  precious RAM.    This
        leaves  more  RAM  available  to  LoanPmt  for  such  things  as
        displaying help  pages, amortization tables, and loan comparison
        tables.   There is  one drawback to using program overlay files.
        It substantially  degrades the  performance of the program if it
        is running  from floppy  disk.  To offset this drawback, LoanPmt
        can load  the overlay  files  into  expanded  memory  (EMS,  not
        extended memory, XMS) whenever it is found.  There is NO program
        degradation when  the overlay  files use  EMS.   Running LoanPmt
        from  a   hard  disk   without  EMS   will  barely  degrade  its
        performance.   See the section titled "Overlays and LOANPMT.OVR"
        in the manual for more information.

             To run  LoanPmt, LoanPmt's  drive  and  directory  must  be
        selected or  they must  be in  the computer's  path.  At the DOS
        prompt, type  LOANPMT and press ENTER.  The overlay manager will
        initialize and the data entry screen will appear.

             To exit the program and return to DOS, simply pull down the
        Exit menu  and select  Yes.  This can be accomplished many ways.
        The  easiest   way  is   to  press   the  "Alt"   and  "X"  keys
        simultaneously to pull down the menu.  Then press the "Y" key to
        select Yes.   If  you have  a mouse, left-click on "Exit" in the
        menu bar, and then left-click on "Yes" in the pull-down menu.

             Use ENTER,  TAB, SHIFT TAB, UP ARROW, or DOWN ARROW keys to
        move between  LoanPmt's data entry fields.  If you have a mouse,
        you also  can make  your selections  by left-clicking  on  them.
        Then, simply  enter the  appropriate value  in each field, menu,
        etc.

             Each LoanPmt  pull-down menu option and data field also can
        be selected  by using  its hotkey.   Each  item's hotkey  is the


                                       5

        highlighted character  that appears  in its  name.    To  use  a
        hotkey, press the Alt key and the hotkey simultaneously.

             The currently selected compute field is highlighted and its
        name is  displayed near  the upper  left  area  of  the  screen.
        LoanPmt recomputes  and updates the selected field each time new
        data is  entered at  any other  field.   To change  the computed
        field, pull  down the  Settings menu by pressing Alt+G (or left-
        click the  mouse on  "Settings").  Next, select "Computed field"
        from the  pull-down menu,  and then  select  a new compute field
        from the pop-up menu.

             The loan data currently on the screen can be saved to disk.
        To save loan data, pull down the File menu by pressing the "Alt"
        and "I"  keys simultaneously  (or left-click  on "File" with the
        mouse).   Next, select "Save" from the pull-down menu.  A dialog
        box will appear to accept a filename for the data file.  LoanPmt
        supplies its  own file  extension  of  ".PMT"  for  data  files.
        (Note:  The F2 key is a shortcut key for saving loan data.)

             Previously saved  loan data files can be reloaded.  To load
        loan data, pull down the File menu by pressing the "Alt" and "I"
        keys simultaneously  (or left-click  on "File"  with the mouse).
        Next, select  "Load" from the pull-down menu.  A dialog box will
        appear.   Key in a known filename or enter wildcards to access a
        file selection menu.  A sample loan data file named EXAMPLE1.PMT
        is on  the distribution  disk.   Place the  distribution disk in
        drive A,  key in A:* in the dialog box, and press ENTER to see a
        selection menu.   (NOTE:   The  F3 key  is a  shortcut  key  for
        loading loan data.)

             Amortization tables  (or loan  payoffs, if  Payoff  is  the
        computed field)  can be  displayed, printed,  or saved.    Press
        Alt+L (or  left-click "Table"  with the  mouse) to pull down the
        Table menu.   Then  select the type of output from the pull-down
        menu.   Finally, enter  or select  the appropriate  items in the
        resulting pop-up  menu.   Results saved to disk are ASCII (text)
        files and can be edited and printed the same as any ASCII file.

             Loan comparison tables can be displayed, printed, or saved.
        A loan  comparison table's  initial values  are taken  from  the
        currently  entered   loan  data.     Comparison  tables  can  be
        constructed using  two different  methods.  One method shows the
        incremental effects  of both  loan principal  and the  number of
        payments.   The second  method shows  the incremental effects of
        both loan principal and annual interest rate (APR).  To create a
        loan comparison  table, press  Alt+A (or left-click the mouse on
        "Comparisons") to  pull down  the Comparisons menu.  Next select
        the comparison  method from  the pull-down  menu; principal  vs.
        payments (or  years) or  principal vs.  APR.  In the next pop-up
        dialog box,  enter the  incremental  values  for  the  two  loan
        parameters displayed  and press ENTER (or double-click the mouse
        in either  field).   From the  next pop-up  menu select display,


                                       6

        print, or  save.   Depending on  this selection, enter or select
        the appropriate items in the resulting pop-up menu.

             LoanPmt uses  the file LPMTINIT.PMT to initialize each time
        it is started.  If the file is not found, LoanPmt initializes to
        predefined defaults.  Since this file is a standard LoanPmt .PMT
        file,  its  contents  can  be  edited  to  contain  user-defined
        defaults.  Along with the loan data fields, currency symbol, and
        the date  format are saved to the file.  To change its contents,
        load it  and make  the changes  to LoanPmt's  screen you want as
        your user-defined  defaults.  Finally re-save it as LPMTINIT and
        answer "Yes" to overwrite the previous version of the file.

             All these  topics, and  more, are covered in greater detail
        within the  manual.   See the  table of  contents to  locate the
        appropriate item.


                               INSTALLING LoanPmt

             LoanPmt  distribution  disks  shipped  directly  from  Data
        Language  Systems  are  not  archived.    Many  other  Shareware
        sources, especially bulletin boards, archive files to save space
        on disks,  etc.  If you received LoanPmt in an archived file, be
        sure to  unarchive it  according to the instructions that should
        have been  provided by  the distributor.  If you do not have all
        the files listed in the LoanPmt Distribution Files section, then
        you have  an unauthorized  copy  of  LoanPmt.    To  receive  an
        authorized  diskette   with  the   latest  version  of  all  the
        distribution  files,  you  may  order  one  directly  from  Data
        Language Systems.  Send $5.00 (US funds only, DRAWN ON A U.S. or
        Canadian BANK)  plus shipping  and handling ($3.50 for shipments
        to U.S.,  $4.50 to  Canada and  Mexico, or  $6.00 to  all  other
        locations).  Simply fill out and mail the Invoice in this manual
        or in  the file  INVOICE.TXT.   If you wish to use MasterCard or
        Visa, you  may call  Data Language  Systems at  the phone number
        listed on the Invoice or contact us at CompuServe 72331,240.


             INSTALLING LoanPmt ON A SINGLE OR DUAL-FLOPPY SYSTEM:

             Although performance  will suffer,  LoanPmt can  run  on  a
        single or  dual-floppy drive  PC.    First,  create  a  bootable
        (system) disk  from a  new diskette.  Then you must copy LoanPmt
        files from the distribution disk to it.  Make sure your computer
        is booted  up as described in your DOS manual and the DOS prompt
        is displayed.

             1. Insert  your DOS system disk into drive A, and issue the
                command:

                  FORMAT B:/S


                                       7

                If you  have a  dual-drive system,  place a  new (blank)
                diskette into  drive B, and press ENTER when prompted to
                do so on the screen.

                If you have a single-drive system, insert a new diskette
                into the drive when you are prompted to "insert new disk
                for drive  B."   After you have removed your system disk
                and the new disk is in the drive, press ENTER.

                Follow any  instructions that  may appear on the screen.
                When the  format is  complete,  the  new  disk  will  be
                formatted and  it  also  will  contain  a  copy  of  the
                operating system (DOS).  Your computer can now be booted
                from this disk.

                Note If  you prefer  to use  a disk formatter other than
                the one  on  the  DOS  disk,  be  sure  to  consult  its
                documentation.  If it cannot put the system files on the
                diskette, you  must place  the DOS disk into drive A and
                issue the following commands:

                  SYS B:
                  COPY COMMAND.COM B:

                Label the new disk:

                  LoanPmt Ver 2.1
                   SYSTEM DISK

             2. Place the disk with the LoanPmt distribution files on it
                into drive  A.   If you  have a dual-drive system, place
                the new LoanPmt SYSTEM DISK into drive B.  Now issue the
                command at the DOS prompt:

                  COPY A:LOANPMT.EXE B:

                For a single-disk system, follow the prompts that appear
                on the screen.  Keep in mind that the "disk for drive A"
                is the  LoanPmt distribution  disk, and  the  "disk  for
                drive B" is the LoanPmt SYSTEM DISK.

                When the  DOS prompt  reappears, continue by issuing the
                following command with the distribution disk in drive A:

                  COPY A:LOANPMT.OVR B:

                Again, single-drive  users should  proceed as  described
                above, while  dual-drive users  must continue  with  the
                LoanPmt SYSTEM DISK in drive B.

                When the  DOS prompt  reappears, continue by issuing the
                following command with the distribution disk in drive A:

                  COPY A:LPMTINIT.PMT B:


                                       8

                Again, single-drive  users should  proceed as  described
                above, while  dual-drive users  must continue  with  the
                LoanPmt SYSTEM DISK in drive B.

                NOTE: It is recommended, but not required, that you copy
                the example  files on  the LoanPmt  distribution disk to
                the LoanPmt  SYSTEM DISK.   To  do so,  single-drive and
                dual-drive users  should proceed  as described above and
                issue the following command:

                  COPY A:EXAMPLE1.* B:

             The diskette  labeled LoanPmt  Ver 2.1 SYSTEM DISK is now a
        bootable disk that contains the necessary files to run LoanPmt.


                  INSTALLING LoanPmt ONTO A HARD DISK SYSTEM:

             The best  performance of LoanPmt is achieved when it is run
        on a hard disk.  First you must create a subdirectory named LPMT
        (or whatever else you choose).  Then you must copy the necessary
        files from the LoanPmt distribution disk into this subdirectory.

             1. If you are upgrading from a previous version of LoanPmt,
                and already  have a  subdirectory named LPMT (or another
                name), you  can simply  copy the  new version  over  the
                older version.   If  this is  the case, skip to step #2.
                But, if  you want to keep the older version on your hard
                disk you  must create  a new  directory (i.e.,  \LPMT20,
                etc.) to  install this  version into.  If your hard disk
                is configured  as drive C, use the following commands at
                the DOS  prompt.  If you are using a different directory
                than \LPMT,  substitute its  name wherever \LPMT appears
                below:

                  C:
                  CD C:\
                  MKDIR \LPMT
                  CD \LPMT

             2. Now  place the  disk with the LoanPmt distribution files
                on it  into drive  A and  issue the  command (if you are
                using a  different directory  than \LPMT, substitute its
                name wherever \LPMT appears below):

                  COPY A:*.* C:\LPMT

                NOTE: If  you do  not wish  to copy all the distribution
                files onto  your hard  disk, the following commands will
                copy  the  minimum  number  of  files  required  to  run
                LoanPmt:

                  COPY A:LOANPMT.EXE C:\LPMT
                  COPY A:LOANPMT.OVR C:\LPMT


                                       9

                  COPY A:LPMTINIT.PMT C:\LPMT

                  (If you have Windows: COPY A:LOANPMT.ICO C:\LPMT)

                It is  also recommended, but not required, that you copy
                the example  files to  the  hard  disk  by  issuing  the
                following command:

                  COPY A:EXAMPLE1.* C:\LPMT

             All the  LoanPmt files  should  now  be  in  the  directory
        C:\LPMT (or  other subdirectory  of your choice), and you should
        now be  ready to  run the LoanPmt program.  If you issue the DOS
        command:

                  DIR C:\LPMT

        all the  files you  installed will be listed if the installation
        of LoanPmt is successful.


                           USING LoanPmt IN WINDOWS:

             Although LoanPmt  is a  DOS  application,  it  can  run  in
        Microsoft Windows.   The  following instructions describe how to
        setup LoanPmt to run in Windows 3.x.

             1. Install LoanPmt  onto your hard disk as described in the
                previous section.   Start  Windows and  open the program
                group you wish to run LoanPmt from.

             2. From the  Program Manager  menu, pull down the File menu
                and select NEW.

             3. The "New Program Object" dialog box will pop up.  Select
                "Program Item" and press the OK button.

             4. The "Program  Item Properties"  dialog box  will pop up.
                Type in  "LoanPmt" for  DESCRIPTION.   Press TAB and for
                COMMAND  LINE   type  "C:\LPMT\LOANPMT.EXE".    (If  you
                installed LoanPmt  on a  different drive  or  directory,
                substitute as required in the command line.)

             5. Press the  CHANGE ICON  button.   In the  "Select  Icon"
                dialog  box   type  "C:\LPMT\LOANPMT.ICO".     (If   you
                installed LoanPmt  on a  different drive  or  directory,
                substitute as  required.)   Now press  the OK  button to
                return to the "Program Items Properties" dialog box.

             6. Now press  OK in  the "Program  Items Properties" dialog
                box and you will be returned to the Program Manager with
                the LoanPmt icon now  displaying.

             7. To run LoanPmt, simply double click on its icon.


                                       10

                                 USING LoanPmt

             To  use   LoanPmt,  be   sure  the  files  LOANPMT.EXE  and
        LOANPMT.OVR are on the disk of the assigned drive, and that they
        are in  the current directory or path.  Then, at the DOS prompt,
        type LOANPMT  and press  the ENTER  key.  The program will start
        execution and the LoanPmt screen will appear (see Figure 1).


        ON-LINE HELP

             At any  point in  the  LoanPmt  program,  on-line  context-
        sensitive help  can be  obtained by pressing the F1 key.  If you
        have a mouse, left-clicking the mouse on F1=Help in the top line
        of the  screen is  the same as pressing F1 (see Figure 2).  From
        within any help screen, pressing F1 again will give another help
        screen describing all the line editing features supported during
        data entry.

             As labeled  in figure  2, each  help  window  contains  the
        following elements:

        Close box       - left-click the  mouse on  the  close  box  (or
                          press the ESC key) to close the help window.

        Home icon       - left-click the  mouse on  the  home  icon  (or
                          press the  HOME key)  to page to the beginning
                          of the help information in the window.

        End icon        - left-click the mouse on the end icon (or press
                          the END  key) to  page to  the end of the help
                          information in the window.

        Up arrow icon   - left click  the mouse on the up arrow icon (or
                          press  the   up  arrow   key)  to   move   the
                          information in the help window up one line.

        Down arrow icon - left-click the  mouse on  the down  arrow icon
                          (or press  the down  arrow key)  to  move  the
                          information in the help window down one line.

        Page up area    - left-click the  mouse in  the page up area (or
                          press the PAGE UP key) to move the information
                          in the  help window  up  one  window  full  of
                          lines.

        Page down area  - left-click the mouse in the page down area (or
                          press  the   PAGE  DOWN   key)  to   move  the
                          information in the help window down one window
                          full of lines.

        Location marker - the  location   marker  shows   the   relative
                          position of  the information  displayed to the
                          total  amount  of  information  available  for


                                       11

                          display  within  the  window.    Whenever  the
                          location marker  is at  the top  of the scroll
                          bar,  the  displayed  information  is  at  its
                          beginning.   If the  marker is near the middle
                          of the  scroll bar,  the displayed information
                          is near  its midpoint.  Whenever the marker is
                          at the  bottom of  the scroll  bar, you are at
                          the end of the available information.


        EXITING LoanPmt

             To exit LoanPmt and return to DOS, press Alt+X or press the
        ESC key  until the  exit menu pulls down (see Figure 3).  If you
        have a  mouse, left-click  it on  "Exit" in the menu bar to pull
        down the  exit menu.   Press Y or left-click the mouse on YES to
        quit and  return to  DOS.  Press N or left-click the mouse on NO
        to  return  to  LoanPmt.    When  LoanPmt  returns  to  DOS,  it
        redisplays the  screen that  was  present  just  before  LoanPmt
        started executing.


                            Overlays and LOANPMT.OVR

             Many of  LoanPmt's functions  are contained  in the program
        overlay file  LOANPMT.OVR.   An  overlay  file  simply  contains
        portions  of   the  program's  executable  program  code.    The
        executable code in the overlay file is loaded into RAM only when
        it is  needed by  LoanPmt.   The program  uses this technique to
        conserve RAM.   This  leaves more  RAM available  to LoanPmt for
        such things  as displaying  help pages, amortization tables, and
        loan comparison tables.

             There is  one drawback  to using program overlay files.  It
        substantially degrades  the performance  of the program if it is
        running from  floppy disk.  To offset this drawback, LoanPmt can
        load the  overlay files  into expanded memory (EMS, not extended
        memory, XMS)  whenever it  is found.   If  your PC  has extended
        memory (XMS),  it can  be configured to simulate expanded memory
        (EMS).     For  example,   DOS  5.0's  expanded  memory  manager
        EMM386.EXE can  accomplish this.   There  also are  other  third
        party software  programs that  can be used.  There is NO program
        degradation when  the overlay files use EMS.  On the other hand,
        running LoanPmt from a hard disk without EMS will barely degrade
        its performance.

             You should  install both  LOANPMT.EXE  and  LOANPMT.OVR  as
        described in  the INSTALLING  LoanPmt section  in  this  manual.
        When the  program is  started and  the overlay  manager properly
        initializes, one  of the following three messages will appear at
        the bottom of the initial LoanPmt screen (see Figure 1).


                                       12

             1. Overlay manager initialized to disk!

                No EMS RAM was detected and the overlay manager has been
                successfully initialized to disk.

             2. LOANPMT.OVR loaded to EMS.

                EMS RAM was detected, LOANPMT.OVR was loaded to EMS, and
                the overlay manager has been successfully initialized to
                EMS.

             3. Overlay EMS init failed, but DISK init OK!

                EMS RAM  was detected,  but failed  to initialize.   The
                overlay manager  was then  successfully  initialized  to
                disk.

             If you receive any of the three messages shown, the overlay
        manager has successfully initialized and the overlay's functions
        will be available in LoanPmt.

             If the  overlay manager  fails to  initialize, any  of  the
        following four  error messages  can  appear  in  a  fatal  error
        message window on the initial LoanPmt screen (see Figure 4).

             1. OVERLAY MANAGER ERROR (LOANPMT.OVR unavail)!

                This error  most usually means that LOANPMT.OVR probably
                exists, but  is invalid  or corrupted.  If this happens,
                you must  reinstall LOANPMT.OVR  from  the  distribution
                disk.

             2. FILE: LOANPMT.OVR not found!

                LOANPMT.OVR was  not found  in the  current directory or
                path.   It must  be installed  in the same directory (or
                path) as  LOANPMT.EXE to  access any  of  the  overlay's
                functions.

             3. Not enough memory for Overlay files!

                Your  computer   does  not   have  enough  free  RAM  to
                initialize the  overlay manager.   Your system must have
                as  much   free  memory   as  listed   in  the   Systems
                Requirements section  of this  manual to  initialize the
                overlay  manager.     Normally  this  error  means  many
                Terminate and  Stay Routines  (TSRs) are  loaded in RAM.
                To free  up enough  memory, you  may have  to reduce the
                number of TSRs loaded.

             4. OVERLAY I/O ERROR (LOANPMT.OVR unavail)!

                An I/O  error has  occurred while  LOANPMT.OVR was being
                loaded.   This error  can mean  anything from a harmless


                                       13

                glitch (such  as removing  the  floppy  from  the  drive
                before LOANPMT.OVR  has finished  loading)  to  a  fatal
                hardware failure  (such as  a bad  disk  sector  in  the
                LOANPMT.OVR file or even disk drive failure).

             The following message also will appear with the fatal error
        message:

          The  LoanPmt   overlay  manager   has  failed  initialization.
          LoanPmt cannot run without the overlay manager.

          Refer to the "Overlay Manager" section in the LoanPmt manual
          for help in resolving this error.

          <Press any key or left-click the mouse to terminate LoanPmt>

             As stated  in the  fatal error  message, LoanPmt cannot run
        without the  overlay manager.   At  this point, press any key or
        left-click the mouse to terminate LoanPmt.

             While LoanPmt  executes, the  overlay manager is constantly
        loading program code into RAM as it is required.  If the overlay
        manager fails  to find  the  overlay  file  during  one  of  its
        requests for  code, LoanPmt  will display  the  Overlay  Manager
        Error message  window (see  Figure  5).    The  following  error
        message also will display at the bottom of the screen.

         LOANPMT.OVR not found! Requested program function UNAVAILABLE!

        The second  line in  the error  message window  is the  specific
        error encountered  (i.e., "Drive not ready!", "File not found!",
        etc.).  The third line will display one of the following:

                        Overlay Manager not initialized!
        or
          Overlay Manager was initialized, but LOANPMT.OVR not found!

        The following  is displayed  in the  bottom half  of  the  error
        message window:

             LoanPmt cannot  run without the file LOANPMT.OVR.  Refer to
         the "Overlay Manager" section in the LoanPmt manual for help in
         resolving this  error.   If you  can  fix  this  error,  select
         "CONTINUE".   Otherwise, select "QUIT" to terminate LoanPmt and
         return to DOS.

        At the bottom of the window will be two push buttons; "CONTINUE"
        and "QUIT".  Press the "C" key to select continue or the "Q" key
        to select quit.  If you have a mouse, left-click it on the push-
        button you want to select.

             This error  is most  common on a single or dual-floppy disk
        drive system.   The  program starts correctly (i.e., the overlay
        manager initializes and an overlay error message is not received


                                       14

        at the  initial LoanPmt  screen), but the floppy disk containing
        LOANPMT.OVR has  been  removed.      Consequently,  the  overlay
        manager cannot  load  information  from  the  file  LOANPMT.OVR.
        LoanPmt detects  the error, and the Overlay Manager Error window
        is displayed.   If  this is  the cause  for the  Overlay Manager
        Error, simply  insert a  floppy diskette  containing LOANPMT.OVR
        into the assigned drive and select "CONTINUE."  If this corrects
        the error,  LoanPmt will  successfully continue.   If  not,  the
        Overlay Manager Error window will immediately return.

             If you  are running  LoanPmt from  a hard  disk, this error
        usually means  the copy  of LOANPMT.OVR  on the  disk has become
        corrupted.   Reinstalling LOANPMT.OVR  should solve the problem.
        Be wary  though, this  can be an omen of worse problems to come.
        Your disk  may have  developed a  bad sector.   If you have disk
        utilities such  as  Mace  or  Norton,  you  should  run  a  disk
        diagnostic program  and check for disk errors, lost chains, etc.
        Many disk problems can be corrected by a good disk utility.

        LIM EMS SUPPORT

             LoanPmt supports both current releases (3.2 and 4.0) of the
        Lotus/Intel/Microsoft Expanded  Memory Specification  (LIM EMS).
        When sufficient EMS RAM is available, LoanPmt will load the file
        LOANPMT.OVR into  EMS memory.   Once  loaded into  EMS, the disk
        file LOANPMT.OVR  is closed  and all subsequent calls by LoanPmt
        for overlay  program functions  will be made to the overlay copy
        in EMS.   Thus,  all overlay program functions will be performed
        as fast  in-memory transfers  instead  of  slower  disk  to  RAM
        transfers.   If you  have EMS  and the  overlay is  successfully
        initialized into  EMS by  LoanPmt, the  following  message  will
        appear at the bottom of the initial LoanPmt screen:

                           LOANPMT.OVR loaded to EMS.

             If the  EMS initialization  fails, the program will attempt
        to initialize the overlay manager to the disk file as previously
        described.


                                   DATA ENTRY

        HOTKEYS

             Throughout the LoanPmt screen you will notice one character
        of the pull-down menu and data field names is highlighted.  This
        highlighted character  is the  hotkey for  that particular item.
        By holding  down the Alt key and then pressing an item's hotkey,
        that item  becomes selected.   For  example, the  hotkey for the
        Exit pull-down  menu is  the character  X, thus it can be pulled
        down by  pressing ALT+X.  Of course if you have a mouse, you can
        move directly  to a  field or pull-down menu by left-clicking on
        the desired item.


                                       15

        DATA FIELD EDITING

             At data  entry fields of the program that require keying in
        alphanumeric or  numeric data,  your entry  can  be  edited  for
        corrections, etc. by using the following keys:

        HOME or Ctrl+QS:
             Moves the cursor to the first character in the field.

        END or Ctrl+QD:
             Moves the  cursor beyond  the last  character in the field,
             or, if  the field  is full,  places the  cursor on the last
             character in the field.

        RIGHT ARROW or Ctrl+D:
             Moves the cursor one character right in the field.

        LEFT ARROW or Ctrl+S:
             Moves the cursor one character left in the field.

        Ctrl+RIGHT ARROW or Ctrl+F:
             Moves the cursor one word right in the field.

        Ctrl+LEFT ARROW or Ctrl+A:
             Moves the cursor one word left in the field.

        INSERT or Ctrl+V:
             Toggles between  insert and  overwrite mode.   The  current
             mode is  highlighted in  the status line at the very top of
             the screen.   Insert  mode inserts  a character  before the
             character at  the cursor.   Overwrite  mode overwrites  the
             character at  the cursor  with the  character keyed in.  If
             you have a mouse, you can left-click it on the desired mode
             in the status line.

        DELETE or Ctrl+G:
             Deletes the character at the cursor's location.

        LEFT BACKSPACE:
             If the  cursor is not under the first character in a field,
             then pressing  this key  will delete the first character to
             the left of the cursor.

        Ctrl+Y:
             Deletes the contents of the field containing the cursor.

        Ctrl+QY:
             Deletes characters from the cursor's location to the end of
             the line.


                                       16

        USING SELECTION MENUS

             In all  menus that  utilize a highlighted bar menu, use the
        Arrow keys to move the highlighted bar.  Each item in a menu has
        a hotkey  (highlighted character).  The highlighted bar also can
        be moved  to an item by pressing its hotkey.  Note, unlike field
        and  pull-down   menu  hotkeys,  do  not  use  the  Alt  key  in
        combination with  a menu  item's hotkey  to move the highlighted
        bar.   Once a  menu item  is  highlighted,  it  is  selected  by
        pressing the  ENTER key  or pressing  its hotkey.  If you have a
        mouse,  left-click  the  mouse  on  a  menu  item  to  move  the
        highlighted bar to that item.  To select a highlighted item with
        the mouse, you must left-click on it.  To quit a menu, press the
        ESC key.   If  you have  a mouse, left-click it anywhere outside
        the boundaries  of the  menu   or on ESC=Quit in the top line of
        the screen to quit the menu.

        NAVIGATING BETWEEN DATA ENTRY FIELDS

             To move  between data  entry fields  within the  data entry
        screen, the following keys can be used:

        ENTER, TAB or DOWN ARROW:
             Enters the  current field  into the  program and  moves the
             cursor to  the next  field.  NOTE: Double-clicking the left
             mouse button  on a  field's data  is equivalent to pressing
             the ENTER key.

        UP ARROW or SHIFT TAB:
             Enters the  current field  into the  program and  moves the
             cursor to the previous field.

        And, of course, you can use hotkeys as described above.


                            PROGRAM CONTROL FEATURES

             Many program  control features are built into this program.
        The status  line at  the top  of the  screen shows most of these
        features (see  Figure 6).  The following keys control the status
        line features,  and these  features are  always available in any
        data entry  field (i.e., whenever the program is waiting for the
        entry of "ANY" data):

             F1 -  displays a  help screen  that is most appropriate for
             the present  location in  the program.   When  you are in a
             help screen,  pressing F1  again will present a help screen
             about the  line edit  features available during data entry.
             Press ESC to exit from the help screen(s) and return to the
             program where  help was  initially entered.   If you have a
             mouse, you  can left-click on F1=Help in the status line to
             display help.   Left-click on ESC=Quit or the help window's
             close box to exit.


                                       17

             F10 -  Press F10  to access the Pull-down Menus.  The mouse
             can be left-clicked on F10=Menu to press F10.

             INSERT -  As explained  in the Data Entry section, pressing
             the INSERT  key toggles  between INSERT  and OVERWRITE mode
             for data  entry.   The highlighted item is the feature that
             is currently  active.   If you  have a mouse, you can left-
             click it on the desired mode in the status line.

             ESC - Pressing the ESC key backs out of (quits) any feature
             in the  program (i.e.,  help screens, menus, etc.).  In any
             data entry  field, pressing ESC will cause the Exit menu to
             pull down.   Press  Y to  quit and  return to  DOS, or N to
             return to LoanPmt.  If you have a mouse, you can left-click
             on ESC=Quit in the status line to press ESC.

             CAPS LOCK  - When  the Caps  Lock key is depressed and caps
             lock is  in effect  from the keyboard, CAPS is displayed in
             highlight in  the status  line.   When caps lock is active,
             all alphabetic characters are entered from the keyboard are
             entered as upper-case characters.

             NUM LOCK  - When the Num Lock key is depressed and num lock
             is in  effect  from  the  keyboard,  NUM  is  displayed  in
             highlight in  the status  line.   When num  lock is active,
             numbers can be entered from the numeric keypad.  Otherwise,
             the special functions HOME, END, INS, etc. can be entered.

             SCROLL LOCK  - When  the Scroll  Lock key  is depressed and
             scroll lock  is in effect, SCROLL is displayed in highlight
             in the  status line.   Scroll  lock  does  not  affect  the
             operation of this program.

             Program action  key commands are displayed at the bottom of
        the screen  whenever they are active (see Figures 1 & 40).  They
        are:

             F2 - Press F2  to save the current loan parameters to disk.
                  See the  section titled  "Saving Loan  Data"  in  this
                  manual for  further instructions  on how  to save loan
                  data.   The mouse  can be left-clicked on this command
                  to press F2.

             F3 - Press F3  to load  loan data previously saved to disk.
                  Refer to  the section  titled "Loading  Loan Data"  in
                  this manual  for further  instructions on  how to load
                  loan data.   The  mouse can  be left-clicked  on  this
                  command to press F3.

             F4 - When "NO SOLUTION" is displayed in the computed field,
                  F4 can  be pressed  to display a hint describing why a
                  solution could  not be  found for  the computed field.
                  As with all action keys, the mouse can be left-clicked
                  on this command to press F4.


                                       18

                                PULL-DOWN MENUS

             The third  line on the LoanPmt screen is the pull-down menu
        bar (see  Figure 7).  Pull-down menus are the most intuitive and
        easiest to  use features  in LoanPmt.  Each item in the menu can
        be accessed  directly by  using its  highlighted hotkey.  Simply
        simultaneously press  the Alt  key and the hotkey.  Alternately,
        pressing F10  will pull  down the  last  previously  pulled-down
        menu.   If you  have a  mouse, you can pull down a menu by left-
        clicking the mouse on its name.


                                   ABOUT MENU

             The leftmost  item in  the menu  is the  ABOUT  menu.    By
        pressing Alt+Space bar the ABOUT menu is pulled down (see Figure
        8).   When About  is selected  from the  pull-down menu, a help-
        window will  appear describing the LoanPmt program.  This window
        is a  typical LoanPmt  help window and contains the features and
        elements described in the ON-LINE HELP section of this manual.


                                   FILE MENU

             The second  item in  the menu  bar is  the FILE  menu.   By
        pressing Alt+I the FILE menu is pulled down (see Figure 9).  The
        menu contains two selectable items; Save and Load.

        SAVING LOAN DATA

             Select SAVE  from the  FILE menu  by first highlighting it.
        Use the  arrow keys or alternately press the S key or left-click
        the mouse  on it.   Once  SAVE  is  highlighted,  select  it  by
        pressing the  S   or ENTER keys or by left-clicking the mouse on
        it.   The SAVE  dialog box  will now  pop up  (see  Figure  10).
        Alternately, SAVE  has a shortcut key.  By pressing F2 the pull-
        down menu  is bypassed  and the SAVE dialog box will immediately
        pop up.   SAVE's  shortcut key  is active whenever the following
        prompt appears near the lower left of the data entry screen:

                               F2=Save Loan Data

        Within the SAVE dialog box, enter a filename for the loan data's
        file using the following format:

             [d:][path] filename

        where "d:"  is the  optional  disk  drive  name,  "path"  is  an
        optional DOS  pathname, and  "filename" is a valid DOS filename.
        Do not  add a  filename extension  to the filename.  The program
        will automatically  add the  filename extension  ".PMT"  to  all
        filenames entered.  If a filename extension other than ".PMT" is
        entered, it  will not  be used.  ".PMT" is always used whether a
        filename extension  is entered  or  not.    Error  detection  is


                                       19

        provided for  invalid drive  names, paths,  filenames, etc.  The
        program will  not proceed  until everything is correctly entered
        (or ESC is pressed).

             Once the program accepts a valid entry, the file is created
        on  the   specified  drive,  etc.    After  the  file  has  been
        successfully created, the cursor returns to the data entry mode,
        and the  following message  is displayed  at the  bottom of  the
        screen:

                        Data saved to file FILENAME.PMT

             To abort  the SAVE  dialog box, press ESC or left-click the
        mouse on  the dialog's  close box  or on  ESC=Quit in the status
        line.   Once the  file has  been saved,  or the process has been
        aborted, the  FILE menu remains on the screen.  To exit the FILE
        menu simply  press ESC  or left-click the mouse anywhere outside
        the menu's boundaries or on ESC=Quit in the status line.

        LOADING LOAN DATA

             Previously saved  loan data  files can be loaded from disk.
        Select LOAD  from the  FILE menu  by first highlighting it.  Use
        the arrow  keys or alternately press the L key or left-click the
        mouse on  it.   Once LOAD  is highlighted, select it by pressing
        the L   or  ENTER keys or by left-clicking the mouse on it.  The
        LOAD dialog  box will  now pop up (see Figure 11).  Alternately,
        LOAD has  a shortcut  key.  By pressing F3 the pull-down menu is
        bypassed and  the LOAD  dialog  box  will  immediately  pop  up.
        LOAD's shortcut  key is  active whenever  the  following  prompt
        appears near the lower left of the data entry screen:

                               F3=Load Loan Data

        Within the  LOAD dialog  box, enter  a DOS filename or wildcards
        using the following format:

             [d:][path] filename

        where "d:"  is the  optional  disk  drive  name,  "path"  is  an
        optional DOS  pathname, and  "filename" is a valid DOS filename.
        Do not  add a  filename extension  to the filename.  The program
        will automatically  add the  filename extension  ".PMT"  to  all
        filenames entered.   Error  detection is  provided  for  invalid
        drive names,  paths, filenames,  etc., and  the program will not
        proceed  until  everything  is  correctly  entered  (or  ESC  is
        pressed).

             If DOS  wildcards ("*"  and "?")  are entered,  a load file
        menu will  appear containing  a list of ".PMT" files meeting the
        wildcard specifications  (see Figure 12).  For example, to see a
        menu containing  all the  ".PMT" files in the current directory,
        type in a single asterisk ("*") and press the ENTER key.  (NOTE:
        An asterisk  is the  default value  in the  LOAD dialog box when


                                       20

        LoanPmt is  started.)   Whatever is typed in the box is retained
        and displayed the next time the dialog box is popped up.

             As labeled  in figure 12, the file menu window contains the
        following elements:

        Close box       - left-click the  mouse on  the  close  box  (or
                          press the  ESC key)  to close  the  load  file
                          window without loading a file.

        Home icon       - left-click the  mouse on  the  home  icon  (or
                          press the  HOME key)  to page to the beginning
                          of the information in the window.

        End icon        - left-click the mouse on the end icon (or press
                          the END  key)  to  page  to  the  end  of  the
                          information in the window.

        Up arrow icon   - left click  the mouse on the up arrow icon (or
                          press the  up arrow key) to move the highlight
                          bar up one line in the window.

        Down arrow icon - left-click the  mouse on  the down  arrow icon
                          (or press  the down  arrow key)  to  move  the
                          highlight bar down one line in the window.

        Right arrow icon- left-click the  mouse on  the right arrow icon
                          (or press  the right  arrow key)  to move  the
                          highlight bar to the next item in the window.

        Left arrow icon - left-click the  mouse on  the left  arrow icon
                          (or press  the left  arrow key)  to  move  the
                          highlight bar  to the  previous  item  in  the
                          window.

        Page up area    - left-click the  mouse in  the page up area (or
                          press the  PAGE UP  key) to move up one window
                          full of information.

        Page down area  - left-click the mouse in the page down area (or
                          press the  PAGE DOWN  key) to  move  down  one
                          window full of information.

        Location marker - the  location   marker  shows   the   relative
                          position of  the highlight  bar to  the  total
                          amount of  information available  for  display
                          within the  window.    Whenever  the  location
                          marker is  at the  top of  the scroll bar, the
                          highlight bar  is at  its beginning.   If  the
                          marker is  near the  middle of the scroll bar,
                          the  highlight   bar  is  near  its  midpoint.
                          Whenever the  marker is  at the  bottom of the
                          scroll  bar,   you  are  at  the  end  of  the
                          available information.


                                       21

             Additionally, the  keys "A-Z",  "0-9", "\",  and "[" can be
        pressed to  move the  highlight  bar  to  the  first  (or  next)
        filename in the list that starts with the character pressed.

             To load  a file from the menu, first move the highlight bar
        to the file by using the arrow keys etc. or by left-clicking the
        mouse on it.  After the file is highlighted, press the ENTER key
        or left-click on it again to load it.

             Subdirectories and  the parent  directory  of  the  current
        directory are  also displayed.   These  directories are enclosed
        within slashes  ("\").   In Figure 12, \LOANS\ is a subdirectory
        of C:\LPMT  and \..\  is the  parent directory  (\LPMT).   If  a
        directory is  highlighted and  the ENTER  key is pressed (or the
        mouse is  left-clicked on it) the directory is selected for file
        selection.   All matching  files and directories in the selected
        directory are  then  displayed  in  the  load  file  window  for
        selection.

             Disk drive  names are  enclosed within  brackets.  [-A-] is
        drive A:,  [-B-] is  drive B:,  etc.   When a disk drive name is
        highlighted and  the ENTER key is pressed (or the mouse is left-
        clicked on  it) the  disk drive  is selected for file selection.
        All matching  files and  directories on  the selected disk drive
        are then displayed in the load file window for selection.

             Once the program loads a valid ".PMT" file, all data fields
        are updated  to display  the data  that was  stored in the file.
        The following  message is  also displayed  at the  bottom of the
        screen:

                       Data loaded from file FILENAME.PMT

             To quit  the LOAD  dialog box,  press ESC or left-click the
        mouse on  the dialog's  close box  or on  ESC=Quit in the status
        line.   Once the  file has  been loaded, or the process has been
        aborted, the  FILE menu remains on the screen.  To exit the FILE
        menu, simply  press ESC or left-click the mouse anywhere outside
        the menu's boundaries or on ESC=Quit in the status line.


                                   TABLE MENU

             The third  item in  the menu  bar is  the TABLE  menu.   By
        pressing Alt+L  the TABLE menu is pulled down.  Depending on the
        currently selected  computed field,  the table  menu can  be  in
        Amortization mode  (see Figure  13) or  Payoff mode  (see Figure
        14).   If the  currently selected computed field is PAYOFF, then
        the TABLE  menu is  in Payoff  mode, otherwise  it  will  be  in
        Amortization mode.   The  menu contains  three selectable items;
        Display, Print, and Save.


                                       22

        DISPLAYING AN AMORTIZATION TABLE

             If the  TABLE menu  is in Amortization mode, select DISPLAY
        from the  menu by  first highlighting it.  Use the arrow keys or
        alternately press the D key or left-click the mouse on it.  Once
        DISPLAY is  highlighted, select  it by  pressing the D  or ENTER
        keys or  by left-clicking  the mouse  on it.  If an amortization
        table does  not exist,  the error  shown in  Figure 15  appears.
        Otherwise, the  Amortization table  year selection menu will pop
        up (see Figure 16).

             To quit  the year  selection menu,  press ESC or left-click
        the mouse  anywhere outside the menu's boundaries or on ESC=Quit
        in the  status line.   Once  a table  has been displayed, or the
        process has  been aborted, the TABLE menu remains on the screen.
        To exit the TABLE menu, simply press ESC or left-click the mouse
        anywhere outside  the menu's  boundaries or  on ESC=Quit  in the
        status line.

             Within the  year selection  menu, use  the  arrow  keys  to
        highlight a loan year to view or left-click the mouse on it.  To
        view the  entire amortization  table, highlight  ALL.   NOTE: If
        there is  not enough  free RAM  to display the entire table, ALL
        will not  appear in  the menu.   Once  the year  is highlighted,
        press ENTER  or left-click  the mouse  on  it  again.    LoanPmt
        constructs the  table and  displays it  (see  Figure  17).    As
        labeled in  Figure 17,  the amortization  table  display  window
        contains the following elements:

        Close box       - left-click the  mouse on  the  close  box  (or
                          press the  ESC key)  to  close  the  displayed
                          window.

        Home icon       - left-click the  mouse on  the  home  icon  (or
                          press the HOME key) to scroll to the beginning
                          of the amortization table.

        End icon        - left-click the mouse on the end icon (or press
                          the END  key) to  scroll to  the  end  of  the
                          amortization table.

        Up arrow icon   - left click  the mouse on the up arrow icon (or
                          press  the   up  arrow   key)  to   move   the
                          amortization table up one line in the window.

        Down arrow icon - left-click the  mouse on  the down  arrow icon
                          (or press  the down  arrow key)  to  move  the
                          amortization  table   down  one  line  in  the
                          window.

        Page up area    - left-click the  mouse in  the page up area (or
                          press the PAGE UP key) to scroll up one window
                          full of information.


                                       23

        Page down area  - left-click the mouse in the page down area (or
                          press the  PAGE DOWN  key) to  scroll down one
                          window full of information.

        Location marker - the  location   marker  shows   the   relative
                          position   of    the    currently    displayed
                          information to the total amount of information
                          available  for   display  within  the  window.
                          Whenever the  location marker is at the top of
                          the  scroll   bar,  information   is  at   its
                          beginning.   If the  marker is near the middle
                          of the scroll bar, the information is near its
                          midpoint.   Whenever  the  marker  is  at  the
                          bottom of  the scroll  bar, you are at the end
                          of the amortization table.

        PRINTING AN AMORTIZATION TABLE

             If the  TABLE menu  is in  Amortization mode,  select PRINT
        from the  menu by  first highlighting it.  Use the arrow keys or
        alternately press the P key or left-click the mouse on it.  Once
        PRINT is  highlighted, select it by pressing the P or ENTER keys
        or by  left-clicking the  mouse on it.  If an amortization table
        does  not   exist,  the   error  shown  in  Figure  15  appears.
        Otherwise, the  Amortization table  year selection menu will pop
        up (see Figure 16).

             To quit  the year  selection menu,  press ESC or left-click
        the mouse  anywhere outside the menu's boundaries or on ESC=Quit
        in the  status line.   Once  a table  has been  printed, or  the
        process has  been aborted, the TABLE menu remains on the screen.
        To exit the TABLE menu, simply press ESC or left-click the mouse
        anywhere outside  the menu's  boundaries or  on ESC=Quit  in the
        status line.

             Within the  year selection  menu, use  the  arrow  keys  to
        highlight a  loan year  to print  or left-click the mouse on it.
        To print the entire amortization table, highlight ALL.  Once the
        year is  highlighted, press  ENTER or left-click the mouse on it
        again.   The amortization table printer port selection menu will
        pop up (see Figure 18).

             To quit the printer port selection menu, press ESC or left-
        click the  mouse anywhere  outside the  menu's boundaries  or on
        ESC=Quit in  the status line.  Once a table has been printed, or
        the process  has been  aborted, the  TABLE menu  remains on  the
        screen.   To exit the TABLE menu, simply press ESC or left-click
        the mouse  anywhere outside the menu's boundaries or on ESC=Quit
        in the status line.

             Within the  printer port selection menu, use the arrow keys
        or press  the 1,  2, or  3 keys  to highlight  a printer port or
        left-click the mouse on it.  NOTE: In almost all cases, if there
        is only  one printer,  it is  usually connected  to LPT1  (PRN).


                                       24

        Once the  port is highlighted, press ENTER (or 1, 2, or 3 again)
        or left-click  the mouse  on it  again.   LoanPmt constructs the
        table and prints it.

             If the  program detects any errors during the printout, the
        printout stops  and an  error message  will  be  displayed  (see
        Figure 19).   Normally, any of the following can cause a printer
        error:

             1. No printer  attached to  the selected port (or port does
                not exist).
             2. Printer not powered on.
             3. Printer not selected on line.
             4. Printer out of paper or paper is jammed.
             5. Printer failure.
             6. Etc.

             If the  problem can  be  corrected,  the  printout  may  be
        resumed by  selecting YES.   Select YES by pressing the Y key or
        by pressing  the Tab  or arrow keys until YES is highlighted and
        then  pressing  ENTER.    If  the  problem  is  not  immediately
        correctable, or  if you do not wish to proceed with the printout
        select NO.   Select  NO by pressing the N key or by pressing the
        Tab or  arrow keys  until NO  is highlighted  and then  pressing
        ENTER.  NO also can be selected by pressing ESC or left-clicking
        the mouse on ESC=Quit in the status line or left-clicking on the
        error message  window's close  box.   When NO  is  selected  the
        printout is  terminated and  the TABLE pull-down menu will still
        be active.

             If no problems are detected during the printout, the prompt
        "PRINTING .  . ."  is displayed at the bottom of the screen.  To
        stop the  printout, press  the ESC  key.   When the  ESC key  is
        pressed, the  Cancel Printing  Window is  displayed (see  Figure
        20).   To continue  printing, select  NO.  Select NO by pressing
        the N  key or  by pressing  the Tab  or arrow  keys until  NO is
        highlighted and  then pressing  ENTER.   To cancel the printout,
        select YES.  Select YES by pressing the Y key or by pressing the
        Tab or  arrow keys  until YES  is highlighted  and then pressing
        ENTER.   YES also  can be  selected by  pressing  ESC  or  left-
        clicking the  mouse on  ESC=Quit in  the status  line  or  left-
        clicking on  the error  message window's close box.  When YES is
        selected the printout will be terminated and the TABLE pull-down
        menu will still be active.

             Once a  table has  been printed,  or the  process has  been
        aborted, the  TABLE menu  remains on  the screen.   To  exit the
        TABLE menu  simply press  ESC or  left-click the  mouse anywhere
        outside the menu's boundaries or on ESC=Quit in the status line.


                                       25

        SAVING AN AMORTIZATION TABLE

             If the TABLE menu is in Amortization mode, select SAVE from
        the menu  by first  highlighting it.   Use  the  arrow  keys  or
        alternately press the S key or left-click the mouse on it.  Once
        SAVE is  highlighted, select  it by pressing the S or ENTER keys
        or by  left-clicking the  mouse on it.  If an amortization table
        does  not   exist,  the   error  shown  in  Figure  15  appears.
        Otherwise, the  save amortization  table dialog  box will pop up
        (see Figure  21).   Within this  dialog box enter a filename for
        the amortization table's text file using the following format:

             [d:][path] filename

        where "d:"  is the  optional  disk  drive  name,  "path"  is  an
        optional DOS  pathname, and  "filename" is a valid DOS filename.
        Do not  add a  filename extension  to the filename.  The program
        will automatically  add the  filename extension  ".AMR"  to  all
        amortization filenames  entered.   If a filename extension other
        than ".AMR"  is entered,  it will not be used.  ".AMR" is always
        used whether  a filename  extension is  entered or  not.   Error
        detection is provided for invalid drive names, paths, filenames,
        etc., and  the program  will not  proceed  until  everything  is
        correctly entered (or ESC is pressed).

             To abort  the dialog box, press ESC or left-click the mouse
        on the  dialog's close  box or  on ESC=Quit  in the status line.
        Once the  file has  been saved, or the process has been aborted,
        the FILE  menu remains  on the  screen.   To exit the FILE menu,
        simply press  ESC or  left-click the  mouse anywhere outside the
        menu's boundaries or on ESC=Quit in the status line.

             Once the  program accepts  a valid entry in the dialog box,
        the file is created on the specified drive, etc.  After the file
        has been  successfully created,  the dialog  box disappears, and
        the following message is displayed at the bottom of the screen:

                 Amortization Table saved to file FILENAME.AMR

             The saved  amortization file  is a  text file  and  may  be
        printed using  DOS print commands or various third party printer
        routines.   It also  may be  edited via EDLIN or any other ASCII
        text  editor.     The   distribution  disk   contains  a  sample
        amortization table  file named  EXAMPLE1.AMR for examination and
        testing purposes.

             Once a  table has  been saved,  or  the  process  has  been
        aborted, the  TABLE menu  remains on  the screen.   To  exit the
        TABLE menu,  simply press  ESC or  left-click the mouse anywhere
        outside the menu's boundaries or on ESC=Quit in the status line.


                                       26

        DISPLAYING A LOAN PAYOFF SUMMARY

             If the  TABLE menu  is in  Payoff mode, select DISPLAY from
        the menu  by first  highlighting it.   Use  the  arrow  keys  or
        alternately press the D key or left-click the mouse on it.  Once
        DISPLAY is  highlighted, select  it by  pressing the D  or ENTER
        keys or  by left-clicking  the mouse  on it.   The  Loan  Payoff
        Summary Window will be displayed (see Figure 22).

             To quit  the window,  press ESC  or left-click the mouse on
        ESC=Quit in  the status line or on the window's close box.  Once
        the summary  window disappears,  the TABLE  menu remains  on the
        screen.   To exit the TABLE menu, simply press ESC or left-click
        the mouse  anywhere outside the menu's boundaries or on ESC=Quit
        in the status line.

        PRINTING A LOAN PAYOFF SUMMARY

             If the  TABLE menu is in Payoff mode, select PRINT from the
        menu  by   first  highlighting  it.    Use  the  arrow  keys  or
        alternately press the P key or left-click the mouse on it.  Once
        PRINT is  highlighted, select it by pressing the P or ENTER keys
        or by left-clicking the mouse on it.  The printer port selection
        menu will pop up (see Figure 23).

             To quit the printer port selection menu, press ESC or left-
        click the  mouse anywhere  outside the  menu's boundaries  or on
        ESC=Quit in  the status  line.  Once a summary has been printed,
        or the  process has  been aborted, the TABLE menu remains on the
        screen.   To exit the TABLE menu, simply press ESC or left-click
        the mouse  anywhere outside the menu's boundaries or on ESC=Quit
        in the status line.

             Within the  printer port selection menu, use the arrow keys
        or press  the 1,  2, or  3 keys  to highlight  a printer port or
        left-click the mouse on it.  NOTE: In almost all cases, if there
        is only  one printer,  it is  usually connected  to LPT1  (PRN).
        Once the  port is highlighted, press ENTER (or 1, 2, or 3 again)
        or left-click  the mouse  on it  again.   LoanPmt constructs the
        table and prints it.

             If the  program detects any errors during the printout, the
        printout stops  and an  error message  will  be  displayed  (see
        Figure 19).   Normally, any of the following can cause a printer
        error:

             1. No printer  attached to  the selected port (or port does
                not exist).
             2. Printer not powered on.
             3. Printer not selected on line.
             4. Printer out of paper or paper is jammed.
             5. Printer failure.
             6. Etc.


                                       27

             If the  problem can  be  corrected,  the  printout  may  be
        resumed by  selecting YES.   Select YES by pressing the Y key or
        by pressing  the Tab  or arrow keys until YES is highlighted and
        then  pressing  ENTER.    If  the  problem  is  not  immediately
        correctable, or  if you do not wish to proceed with the printout
        select NO.   Select  NO by pressing the N key or by pressing the
        Tab or  arrow keys  until NO  is highlighted  and then  pressing
        ENTER.  NO also can be selected by pressing ESC or left-clicking
        the mouse on ESC=Quit in the status line or left-clicking on the
        error message  window's close  box.   When NO  is  selected  the
        printout is  terminated and  the TABLE pull-down menu will still
        be active.

             If no problems are detected during the printout, the prompt
        "PRINTING .  . ."  is displayed at the bottom of the screen.  To
        stop the  printout, press  the ESC  key.   When the  ESC key  is
        pressed, the  Cancel Printing  Window is  displayed (see  Figure
        20).   To continue  printing, select  NO.  Select NO by pressing
        the N  key or  by pressing  the Tab  or arrow  keys until  NO is
        highlighted and  then pressing  ENTER.   To cancel the printout,
        select YES.  Select YES by pressing the Y key or by pressing the
        Tab or  arrow keys  until YES  is highlighted  and then pressing
        ENTER.   YES also  can be  selected by  pressing  ESC  or  left-
        clicking the  mouse on  ESC=Quit in  the status  line  or  left-
        clicking on  the error  message window's close box.  When YES is
        selected the printout will be terminated and the TABLE pull-down
        menu will still be active.

             Once a  summary has  been printed,  or the process has been
        aborted, the  TABLE menu  remains on  the screen.   To  exit the
        TABLE menu,  simply press  ESC or  left-click the mouse anywhere
        outside the menu's boundaries or on ESC=Quit in the status line.

        SAVING A LOAN PAYOFF SUMMARY

             If the  TABLE menu  is in Payoff mode, select SAVE from the
        menu  by   first  highlighting  it.    Use  the  arrow  keys  or
        alternately press the S key or left-click the mouse on it.  Once
        SAVE is  highlighted, select  it by pressing the S or ENTER keys
        or by  left-clicking the  mouse on  it.  The save payoff summary
        dialog box  will pop up (see Figure 24).  Within this dialog box
        enter a  filename for  the payoff  summary's text file using the
        following format:

             [d:][path] filename

        where "d:"  is the  optional  disk  drive  name,  "path"  is  an
        optional DOS  pathname, and  "filename" is a valid DOS filename.
        Do not  add a  filename extension  to the filename.  The program
        will automatically  add the  filename extension  ".POF"  to  all
        payoff summary filenames entered.  If a filename extension other
        than ".POF"  is entered,  it will not be used.  ".POF" is always
        used whether  a filename  extension is  entered or  not.   Error
        detection is provided for invalid drive names, paths, filenames,


                                       28

        etc., and  the program  will not  proceed  until  everything  is
        correctly entered (or ESC is pressed).

             To abort  the dialog box, press ESC or left-click the mouse
        on the  dialog's close  box or  on ESC=Quit  in the status line.
        Once the  file has  been saved, or the process has been aborted,
        the FILE  menu remains  on the  screen.   To exit the FILE menu,
        simply press  ESC or  left-click the  mouse anywhere outside the
        menu's boundaries or on ESC=Quit in the status line.

             Once the  program accepts  a valid entry in the dialog box,
        the file is created on the specified drive, etc.  After the file
        has been  successfully created,  the dialog  box disappears, and
        the following message is displayed at the bottom of the screen:

                 Loan Payoff Summary saved to file FILENAME.POF

             The saved  payoff summary  file is  a text  file and may be
        printed using  DOS print commands or various third party printer
        routines.   The file  may also  be edited via EDLIN or any other
        ASCII text editor.

             Once a  summary has  been saved,  or the  process has  been
        aborted, the  TABLE menu  remains on  the screen.   To  exit the
        TABLE menu,  simply press  ESC or  left-click the mouse anywhere
        outside the menu's boundaries or on ESC=Quit in the status line.


                                COMPARISONS MENU

             The fourth  item in  the menu  bar is the COMPARISONS menu.
        By pressing  Alt+A,  or  left-clicking  the  mouse  on  it,  the
        COMPARISONS menu  is pulled  down.   Use the COMPARISONS menu to
        select parameters  for displaying,  printing, or  saving a  loan
        comparison table.   All  currently entered  loan parameters  are
        used as  originating values for building comparison tables.  The
        menu contains two selectable items.

             Whenever  the  selected  duration  mode  is  PAYMENTS,  the
        selectable items  are "Principal  vs Payments" and "Principal vs
        APR" (see Figure 25).  Otherwise, whenever the selected duration
        mode is YEARS, the selectable items are "Principal vs Years" and
        "Principal vs APR" (see Figure 26).

             To cancel the COMPARISONS pull-down menu, press ESC. If you
        have a  mouse, left-click  it on  ESC=Quit in the status line or
        left-click it anywhere outside the pull-down menu's boundaries.

        PRINCIPAL VS. PAYMENTS

             "Principal vs  Payments" constructs a loan comparison table
        showing  the   effects  of   principal  amount   increments  vs.
        increments in  the number  of payments.  To select "Principal vs
        Payments" from  the COMPARISONS  pull-down menu, first highlight


                                       29

        it.   Press the  P key  or use  the arrow keys or left-click the
        mouse on  it.   Once it is highlighted, press the P key again or
        press ENTER  or  left-click  the  mouse  on  it  again.    After
        "Principal vs  Payments" has been selected, the increments value
        dialog box will pop up (see Figure 27).

             Within the  dialog box  enter the  increment values for the
        comparison table.   The  original principal  value used  in  the
        table  will   be  the  current  value  displayed  in  the  "Loan
        principal" field.   The original payment value used in the table
        will be  the current value displayed in the "Duration of loan in
        payments" field.   Use  the Tab,  Up and Down Arrow keys, or the
        mouse to  move between  the two  increment  fields.    Once  the
        increment values  are entered,  press the  ENTER key  or double-
        click the mouse's left button on either value.  This will pop up
        a menu  for choosing  Display, Print, or Save for the comparison
        Table.   Refer to  the appropriate section below for displaying,
        printing, or saving a comparison table.

             To cancel  the increments  dialog box, press the ESC key or
        left-click the  mouse on  ESC=Quit in  the status  line.   Left-
        clicking the  mouse anywhere  outside the  increments dialog box
        will also  cancel it.   After  the dialog  box  disappears,  the
        COMPARISONS menu will remain pulled down.

        PRINCIPAL VS. YEARS

             "Principal vs  Years" constructs a comparison table showing
        the effects of principal amount increments vs. increments in the
        number of years for a loan.  To select "Principal vs Years" from
        the COMPARISONS pull-down menu, first highlight it.  Press the Y
        key or  use the  arrow keys or left-click the mouse on it.  Once
        it is highlighted, press the Y key again or press ENTER or left-
        click the  mouse on  it again.   After  "Principal vs Years" has
        been selected,  the increments value dialog box will pop up (see
        Figure 28).

             Within the  dialog box  enter the  increment values for the
        comparison table.   The  original principal  value used  in  the
        table  will   be  the  current  value  displayed  in  the  "Loan
        principal" field.   The  original year  value used  in the table
        will be  the current value displayed in the "Duration of loan in
        years" field.  Use the Tab, Up and Down Arrow keys, or the mouse
        to move  between the  two increment  fields.  Once the increment
        values are  entered, press  the ENTER  key or  double-click  the
        mouse's left  button on  either value.   This will pop up a menu
        for choosing  Display, Print,  or Save for the comparison Table.
        Refer to the appropriate section below for displaying, printing,
        or saving a comparison table.

             To cancel  the increments  dialog box, press the ESC key or
        left-click the  mouse on  ESC=Quit in  the status  line.   Left-
        clicking the  mouse anywhere  outside the  dialog box  will also


                                       30

        cancel it.   After  the dialog  box disappears,  the COMPARISONS
        menu will remain pulled down.

        PRINCIPAL VS. APR

             "Principal vs  APR" builds  a loan comparison table showing
        the effects  of principal  amount increments  vs. increments  in
        APR.   To select  "Principal vs  APR" from the COMPARISONS pull-
        down menu, first highlight it.  Press the A key or use the arrow
        keys or  left-click the  mouse on  it.   Once it is highlighted,
        press the  A key again or press ENTER or left-click the mouse on
        it again.   After  "Principal vs  APR" has  been  selected,  the
        increments value dialog box will pop up (see Figure 29).

             Within the  dialog box  enter the  increment values for the
        comparison table.   The  original principal  value used  in  the
        table  will   be  the  current  value  displayed  in  the  "Loan
        principal" field.  The original APR value used in the table will
        be the  current value  displayed in  the "Annual percentage rate
        (%)" field.   Use  the Tab, Up and Down Arrow keys, or the mouse
        to move  between the  two increment  fields.  Once the increment
        values are  entered, press  the ENTER  key or  double-click  the
        mouse's left  button on  either value.   This will pop up a menu
        for choosing  Display, Print,  or Save for the comparison Table.
        Refer to the appropriate section below for displaying, printing,
        or saving a comparison table.

             To cancel  the increments  dialog box, press the ESC key or
        left-click the  mouse on  ESC=Quit in  the status  line.   Left-
        clicking the  mouse anywhere  outside the  dialog box  will also
        cancel it.   After  the dialog  box disappears,  the COMPARISONS
        menu will remain pulled down.

        DISPLAYING A LOAN COMPARISON TABLE

             Once a comparison table type and increment values have been
        entered  as   described  above,   the  comparison  table  output
        selection menu  will pop  up (see  Figure 30).   To  display the
        selected table  on the  screen, first highlight "Display" in the
        pop-up menu.   Use  the arrow  keys or  press the D key or left-
        click the mouse on it.  Once "Display" is highlighted, select it
        by pressing the D key or ENTER or left-clicking the mouse on it.

             To cancel  the output  selection menu, press the ESC key or
        left-click the  mouse on  ESC=Quit in  the status  line or left-
        click anywhere outside the menu.  After the menu disappears, the
        increments dialog box will remain.

             After "Display"  has been  selected, LoanPmt constructs the
        table and  then displays  it in  a window  (see Figure  31).  As
        labeled  in   figure  31,  the  window  contains  the  following
        elements:


                                       31

        Close box       - left-click the  mouse on  the  close  box  (or
                          press the ESC key) to close the window.

        Home icon       - left-click the  mouse on  the  home  icon  (or
                          press the  HOME key)  to page to the beginning
                          of the information in the window.

        End icon        - left-click the mouse on the end icon (or press
                          the END  key)  to  page  to  the  end  of  the
                          information in the window.

        Up arrow icon   - left click  the mouse on the up arrow icon (or
                          press  the   up  arrow   key)  to  scroll  the
                          information up one line in the window.

        Down arrow icon - left-click the  mouse on  the down  arrow icon
                          (or press  the down  arrow key)  to scroll the
                          information down one line in the window.

        Right arrow icon- left-click the  mouse on  the right arrow icon
                          (or press  the right  arrow key) to scroll the
                          information right one column in the window.

        Left arrow icon - left-click the  mouse on  the left  arrow icon
                          (or press  the left  arrow key)  to scroll the
                          information left one column in the window.

        Page up area    - left-click the  mouse in  the page up area (or
                          press the  PAGE UP  key) to move up one window
                          full of information.

        Page down area  - left-click the mouse in the page down area (or
                          press the  PAGE DOWN  key) to  move  down  one
                          window full of information.

        Page left area  - left-click the mouse in the page left area (or
                          press the  F7 key)  to scroll  left one window
                          full of information.

        Page right area - left-click the  mouse in  the page  right area
                          (or press  the F8  key) to  scroll  right  one
                          window full of information.

        Vertical
        Location marker - the  vertical   location  marker   shows   the
                          relative position  (from top to bottom) of the
                          displayed information  to the  total amount of
                          information available  for display  within the
                          window.   Whenever the  location marker  is at
                          the top  of  the  scroll  bar,  the  displayed
                          information is  at  its  beginning.    If  the
                          marker is  near the  middle of the scroll bar,
                          the  displayed   information   is   near   its
                          midpoint.   Whenever  the  marker  is  at  the


                                       32

                          bottom of  the scroll  bar, you are at the end
                          of the available information.

        Horizontal
        Location marker - the  horizontal   location  marker  shows  the
                          relative position  (from right to left) of the
                          displayed information  to the  total amount of
                          information available  for display  within the
                          window.   Whenever the  location marker  is at
                          the left  of the  scroll  bar,  the  displayed
                          information is at its leftmost area.  Whenever
                          the marker  is near  the middle  of the scroll
                          bar, the  displayed information  is  near  its
                          midpoint.  Whenever the marker is at the right
                          of the  scroll bar,  you are  at the rightmost
                          area of the available information.

             After the comparison table window is closed, the increments
        dialog box will remain on the screen.

        PRINTING A LOAN COMPARISON TABLE

             Once a comparison table type and increment values have been
        entered  as   described  above,   the  comparison  table  output
        selection menu  will pop  up (see  Figure 30).    To  print  the
        selected table  on the  screen, first  highlight "Print"  in the
        pop-up menu.   Use  the arrow  keys or  press the P key or left-
        click the  mouse on  it.  Once "Print" is highlighted, select it
        by pressing  the P key or ENTER or by left-clicking the mouse on
        it.

             To cancel  the output  selection menu, press the ESC key or
        left-click the  mouse on  ESC=Quit in  the status  line or left-
        click anywhere outside the menu.  After the menu disappears, the
        increments dialog box will remain.

             After "Print" has been selected, the printer port selection
        menu will  pop up  (see Figure  32).   To quit  the printer port
        selection menu,  press ESC  or  left-click  the  mouse  anywhere
        outside the menu's boundaries or on ESC=Quit in the status line.
        Once a  table has been printed, or the process has been aborted,
        the previous  menu remains  on the  screen.   To exit  the menu,
        simply press  ESC or  left-click the  mouse anywhere outside the
        menu's boundaries or on ESC=Quit in the status line.

             Within the  printer port selection menu, use the arrow keys
        or press  the 1,  2, or  3 keys  to highlight  a printer port or
        left-click the mouse on it.  NOTE: In almost all cases, if there
        is only  one printer,  it is  usually connected  to LPT1  (PRN).
        Once the  port is highlighted, press ENTER (or 1, 2, or 3 again)
        or left-click  the mouse  on it  again.   LoanPmt constructs the
        table and prints it.


                                       33

             If the  program detects any errors during the printout, the
        printout stops  and an  error message  will  be  displayed  (see
        Figure 19).   Normally, any of the following can cause a printer
        error:

             1. No printer  attached to  the selected port (or port does
                not exist).
             2. Printer not powered on.
             3. Printer not selected on line.
             4. Printer out of paper or paper is jammed.
             5. Printer failure.
             6. Etc.

             If the  problem can  be  corrected,  the  printout  may  be
        resumed by  selecting YES.   Select YES by pressing the Y key or
        by pressing  the Tab  or arrow keys until YES is highlighted and
        then  pressing  ENTER.    If  the  problem  is  not  immediately
        correctable, or  if you do not wish to proceed with the printout
        select NO.   Select  NO by pressing the N key or by pressing the
        Tab or  arrow keys  until NO  is highlighted  and then  pressing
        ENTER.  NO also can be selected by pressing ESC or left-clicking
        the mouse on ESC=Quit in the status line or left-clicking on the
        error message  window's close  box.   When NO  is  selected  the
        printout is  terminated and  the previous  menu  will  still  be
        active.

             If no problems are detected during the printout, the prompt
        "PRINTING .  . ."  is displayed at the bottom of the screen.  To
        stop the  printout, press  the ESC  key.   When the  ESC key  is
        pressed, the  Cancel Printing  Window is  displayed (see  Figure
        20).   To continue  printing, select  NO.  Select NO by pressing
        the N  key or  by pressing  the Tab  or arrow  keys until  NO is
        highlighted and  then pressing  ENTER.   To cancel the printout,
        select YES.  Select YES by pressing the Y key or by pressing the
        Tab or  arrow keys  until YES  is highlighted  and then pressing
        ENTER.   YES also  can be  selected by  pressing  ESC  or  left-
        clicking the  mouse on  ESC=Quit in  the status  line  or  left-
        clicking on  the error  message window's close box.  When YES is
        selected the printout will be terminated and the TABLE pull-down
        menu will still be active.

             Once the  printout is  complete, or  the process  has  been
        aborted, the  previous menu  remains on the screen.  To exit the
        menu, simply  press ESC or left-click the mouse anywhere outside
        the menu's boundaries or on ESC=Quit in the status line.

        SAVING A LOAN COMPARISON TABLE

             Once a comparison table type and increment values have been
        entered  as   described  above,   the  comparison  table  output
        selection menu  will pop  up (see  Figure  30).    To  save  the
        selected table on the screen, first highlight "Save" in the pop-
        up menu.   Use  the arrow  keys or press the S key or left-click


                                       34

        the mouse  on it.   Once  "Save" is  highlighted, select  it  by
        pressing the S key or ENTER or by left-clicking the mouse on it.

             To cancel  the output  selection menu, press the ESC key or
        left-click the  mouse on  ESC=Quit in  the status  line or left-
        click anywhere outside the menu.  After the menu disappears, the
        increments dialog box will remain.

             After "Save"  has been  selected, the save comparison table
        dialog box  will pop up (see Figure 33).  Within this dialog box
        enter a  filename for the comparison table's text file using the
        following format:

             [d:][path] filename

        where "d:"  is the  optional  disk  drive  name,  "path"  is  an
        optional DOS  pathname, and  "filename" is a valid DOS filename.
        Do not  add a  filename extension  to the filename.  The program
        will automatically  add the  filename extension  ".CMP"  to  all
        comparison table  filenames entered  or  not.    If  a  filename
        extension other  than ".CMP"  is entered,  it will  not be used.
        ".CMP" is  always used  whether a filename extension is entered.
        Error detection  is provided  for invalid  drive  names,  paths,
        filenames, etc.   The  program will not proceed until everything
        is correctly entered (or ESC is pressed).

             To abort  the dialog box, press ESC or left-click the mouse
        on the  dialog's close  box or  on ESC=Quit  in the status line.
        Once the  file has  been saved, or the process has been aborted,
        the INCREMENTS  dialog box  remains on  the screen.  To exit the
        INCREMENTS dialog  box, simply press ESC or left-click the mouse
        anywhere outside  its boundaries  or on  ESC=Quit in  the status
        line.

             Once the  program accepts  a valid entry in the dialog box,
        the file is created on the specified drive, etc.  After the file
        has been  successfully created,  the dialog  box disappears, and
        the following message is displayed at the bottom of the screen:

                  Comparison Table saved to file FILENAME.CMP

             The comparison table file is a text file and may be printed
        using  DOS   print  commands  or  various  third  party  printer
        routines.   The file  also may  be edited via EDLIN or any other
        ASCII text editor.

             Once a  table has  been saved,  or  the  process  has  been
        aborted, the  INCREMENTS dialog  box remains  on the screen.  To
        exit the  dialog box,  simply press  ESC or left-click the mouse
        anywhere outside  its boundaries  or on  ESC=Quit in  the status
        line.


                                       35

                                 SETTINGS MENU

             The fifth  item in  the menu  bar is the SETTINGS menu.  By
        pressing Alt+G,  or left-clicking  the mouse  on "Settings", the
        SETTINGS menu  is pulled  down (see  Figure 34).  This pull-down
        menu contains  four selectable  items; Computed  field, Duration
        mode, Currency symbol, and Date format.

        SELECTING A COMPUTED FIELD

             Select "Computed  field" from  the SETTINGS  menu by  first
        highlighting it.   Use the arrow keys or alternately press the C
        key or  left-click the  mouse on  it.   Once "Computed field" is
        highlighted, select  it by  pressing the  C  or ENTER keys or by
        left-clicking the  mouse on  it.   The computed  field selection
        menu will pop up (see Figure 35).

             You may  select any of the following fields as the computed
        field:

             Principal
             APR
             Duration
             Payment
             Payoff

        You must  first highlight the field you wish to select.  Use the
        arrow keys, etc. to highlight the field name or press its hotkey
        (highlighted) character  or left-click  the mouse  on  it.    To
        select a  highlighted field  name, press  ENTER  or  its  hotkey
        character or  left-click the  mouse on  it.   After a  field  is
        selected, the  selection menu  will disappear,  but the SETTINGS
        pull-down menu will remain.

             NOTE: The  Payoff selection  in the  menu computes a payoff
        balance.   A computed  payoff balance may vary slightly from the
        amortized balance.   Depending  on the loan, either may be used.
        Check with your loan company to be sure which will be used.

             If you  decide not to change the computed field, press ESC.
        If you  have a  mouse, you  can left-click  on ESC=Quit  in  the
        status line  or left-click anywhere outside the selection menu's
        boundaries.   When ESC  is  pressed,  the  selection  menu  will
        disappear and  the SETTINGS  pull-down menu  will remain.    The
        compute field,  though, will not be changed.  In other words, no
        matter which  field name  is highlighted  in the  selection menu
        when ESC  is pressed,  the  old  one  will  be  retained.    The
        currently active  compute field is always displayed near the top
        left-hand area of the LoanPmt screen.

        SELECTING A DURATION MODE

             Select "Duration  mode" from  the SETTINGS  menu  by  first
        highlighting it.   Use the arrow keys or alternately press the D


                                       36

        key or  left-click the  mouse on  it.   Once "Duration  mode" is
        highlighted, select  it by  pressing the  D  or ENTER keys or by
        left-clicking the mouse on it.  The duration mode selection menu
        will pop  up (see  Figure 36).  You may select either "Payments"
        or "Years"  as the  duration mode.   Select "Years" to enter the
        duration of  the loan  in whole  years, or  select "Payments" to
        enter the duration in total number of payments.

             You must  first highlight the mode you wish to select.  Use
        the arrow  keys, etc.  to highlight the mode's name or press its
        hotkey (highlighted)  character or  left-click the  mouse on it.
        To select  a highlighted  mode name,  press ENTER  or its hotkey
        character or  left-click the  mouse on  it.   After  a  mode  is
        selected, the  selection menu  will disappear,  but the SETTINGS
        pull-down menu will remain.

             If you  decide not  to change the duration mode, press ESC.
        If you  have a  mouse, you  can left-click  on ESC=Quit  in  the
        status line  or left-click anywhere outside the selection menu's
        boundaries.   When ESC  is  pressed,  the  selection  menu  will
        disappear and  the SETTINGS  pull-down menu  will remain.    The
        duration mode,  though, will not be changed.  In other words, no
        matter which mode name is highlighted in the selection menu when
        ESC is  pressed, the  old one  will be  retained.  The currently
        active duration  mode is  always displayed in the duration entry
        field in the LoanPmt screen.

        SELECTING A CURRENCY SYMBOL

             Select "Currency  symbol" from  the SETTINGS  menu by first
        highlighting it.   Use the arrow keys or alternately press the U
        key or  left-click the  mouse on  it.  Once "Currency symbol" is
        highlighted, select  it by  pressing the  U  or ENTER keys or by
        left-clicking the  mouse on  it.  The currency symbol dialog box
        will pop  up (see  Figure 37).   You may enter any two-character
        currency symbol from the keyboard you want.

             The currently  selected currency  symbol is  displayed  and
        printed on  all output  generated by  LoanPmt.  It is also saved
        with a  loan's .PMT  file.   Therefore, it is possible to create
        loans for multiple currencies.

             If you decide not to change the currency symbol, press ESC.
        If you  have a  mouse, you  can left-click  on ESC=Quit  in  the
        status line  or left-click anywhere outside the selection menu's
        boundaries.   When ESC is pressed, the dialog box disappears and
        the SETTINGS  pull-down menu  will remain.  The current currency
        symbol, though,  will not be changed.  In other words, no matter
        what currency  symbol appears  in the  dialog box  when  ESC  is
        pressed, the  original one  will be  retained.    The  currently
        selected currency  symbol is always displayed at the appropriate
        fields in the LoanPmt screen.


                                       37

        SELECTING A DATE FORMAT

             Select "Date  format"  from  the  SETTINGS  menu  by  first
        highlighting it.   Use the arrow keys or alternately press the A
        key or  left-click the  mouse on  it.   Once  "Date  format"  is
        highlighted, select  it by  pressing the  A  or ENTER keys or by
        left-clicking the  mouse on  it.  The date format selection menu
        will pop up (see Figure 38).

             You may  select any  of the  following formats  as the date
        format to be used by LoanPmt:

             1) MM/DD/YY
             2) DD-Mon-YY
             3) DD.MM.YY

        You must  first highlight the field you wish to select.  Use the
        arrow keys, etc. to highlight the field name or press its hotkey
        (highlighted) character  or left-click  the mouse  on  it.    To
        select a  highlighted field  name, press  ENTER  or  its  hotkey
        character or  left-click the  mouse on  it.   After a  field  is
        selected, the  selection menu  will disappear,  but the SETTINGS
        pull-down menu will remain.

             The currently  selected date format is  used to display and
        print all  dates output by LoanPmt.  Date formats are also saved
        with a  loan's .PMT  file.   Therefore, it is possible to create
        loans with  multiple date  formats.   The date formats and their
        output for the date February 26, 1992 are:

             1) MM/DD/YY  = 2/26/1992
             2) DD-Mon-YY = 26-Feb-1992
             3) DD.MM.YY  = 26.2.1992

             If you decide not to change the date format, press ESC.  If
        you have  a mouse,  you can left-click on ESC=Quit in the status
        line  or   left-click  anywhere  outside  the  selection  menu's
        boundaries.   When ESC  is  pressed,  the  selection  menu  will
        disappear and the SETTINGS pull-down menu will remain.  The date
        format, though,  will not be changed.  In other words, no matter
        which format  name is highlighted in the selection menu when ESC
        is pressed,  the original  one will  be retained.  The currently
        active date  format is  always displayed  in the  "Date of first
        payment" entry field in the LoanPmt screen.


                                       38

                               DATA ENTRY FIELDS

             The following data entry fields accept input to the LoanPmt
        program:

        Loan Company:

             You may enter the name of the loan company here.  If one is
        entered, it  will appear  on all  the program's printouts.  If a
        mistake is  made, edit  the line  as described in the Data Entry
        Section in this manual.  When the loan company's name is in this
        field, press  ENTER (or any other key or mouse event that causes
        LoanPmt to leave the field) to enter it.

        Borrower:

             You can enter the name of the borrower.  If one is entered,
        it is  printed on  all the  program's printouts.  Again, you may
        edit the  entry as  described in  the Data Entry Section of this
        manual.  When the borrower's name in this field, press ENTER (or
        any other  key or  mouse event  that causes LoanPmt to leave the
        field) to enter it.

        Comment:

             Enter the  reason for  the loan,  loan number, or any other
        comment.   If one is entered, it is printed on all the program's
        printouts.   Again, you  may edit your entry as described in the
        Data Entry  Section.   When the  desired information  is in this
        field, press  ENTER (or any other key or mouse event that causes
        LoanPmt to leave the field) to enter it into the program.

        Payment schedule (number of payments per year):

             A highlight  bar menu appears (see Figure 39) for selecting
        a payment schedule as follows:

        Yearly Semiyearly Quarterly Monthly Semimonthly Biweekly Weekly

             Use the  RIGHT ARROW  or LEFT  ARROW  keys,  or  enter  the
        desired payment  schedule's hotkey  (highlighted) character,  or
        left-click the  mouse on  it to  move the highlighted bar to the
        desired payment schedule.  You may select between:

             Yearly      -  1 payment per year.
             Semiyearly  -  2 payments per year (i.e., every 6 months).
             Quarterly   -  4 payments per year (i.e., every 3 months).
             Monthly     - 12 payments per year (i.e., every month).
             Semimonthly - 24 payments per year (i.e., twice a month).
             Biweekly    - 26 payments per year (i.e., every two weeks).
             Weekly      - 52 payments per year (i.e., every week).


                                       39

             When the  desired payment  schedule is  highlighted,  press
        ENTER (or  any other  key or  mouse event that causes LoanPmt to
        leave the field) to enter it into the program.

        Loan principal:

             Enter the  amount of  money  to  be  borrowed.    Principal
        entries must  be greater  than or equal to 0.00 and less than or
        equal to  10,000,000.00.  If this condition is not met, an error
        message will  be displayed when ENTER (or any other key or mouse
        event that  causes LoanPmt  to leave the field) is pressed.  The
        program will not proceed until the error is corrected.

        Additional loan costs:

             Enter any  loan costs  that are being included in the loan.
        If you  are NOT  financing any of the loan costs with this loan,
        then do  NOT enter  anything in  this field.   If loan costs are
        entered, they  must be  greater than  or equal  to 0.00 and less
        than or equal to 1,000,000.00.  If this condition is not met, an
        error message  will be displayed when ENTER (or any other key or
        mouse event  that causes LoanPmt to leave the field) is pressed.
        The program will not proceed until the error is corrected.

        Loan points charged:

             Enter any loan points here that are being included into the
        loan.  If you are NOT financing any of the loan points with this
        loan, then  do NOT enter anything in this field.  If loan points
        are entered,  they must  be greater  than or  equal to 0.000 and
        less than  or equal to 99.999.  If this condition is not met, an
        error message  will be displayed when ENTER (or any other key or
        mouse event  that causes LoanPmt to leave the field) is pressed.
        The program will not proceed until the error is corrected.

        Deferred principal:

             Enter the  portion of  the total amount financed that is to
        be deferred  and paid  along with  the final payment.  "Interest
        only" loans  can be  created  by  deferring  the  entire  amount
        financed, or part of the amount financed can be "ballooned" into
        the final payment.  You may enter an amount that is greater than
        or equal  to 0.00  and that  is less  than or equal to the total
        amount financed.  If this condition is not met, an error message
        will be  displayed when  ENTER (or  any other key or mouse event
        that causes LoanPmt to leave the field) is pressed.  The program
        will not proceed until the error is corrected.

        Annual percentage rate (%):

             Enter the  annual percentage  rate (APR)  charged  for  the
        loan.  Enter an APR that is greater than or equal to 0% and less
        than 100%.   If this condition is not met, an error message will
        be displayed  when ENTER  (or any  other key or mouse event that


                                       40

        causes LoanPmt to leave the field) is pressed.  LoanPmt will not
        proceed until the error is corrected.

        Duration of loan in years:
                  or
        Duration of loan in payments:

             Enter the duration of the loan in the mode displayed (years
        or payments).   When  a duration  is entered, it must be greater
        than or  equal to  1 (years  or payments).  It also must be less
        than  or  equal  to  50  years  (or  the  equivalent  number  of
        payments).   If this condition is not met, an error message will
        be displayed  when ENTER  (or any  other key or mouse event that
        causes LoanPmt to leave the field) is pressed.  The program will
        not proceed until the error is corrected.

             NOTE: To  change the  duration mode, pull down the Settings
        menu.   From this  pull-down menu,  select Duration.   From  the
        Duration pop-up  menu, you may select between payments and years
        as the duration mode.

        Number of payments already made:

             This data entry field is only displayed when Loan Payoff is
        the computed field.  Key in the number of payments already made.

             If a  number less  than zero or greater than the previously
        entered duration  of the  loan is entered, an error message will
        be displayed.   LoanPmt  will wait  for a correct entry.  When a
        correct entry  is made, the program will compute and display the
        payoff balance for the loan.

        Payment:

             Enter the  desired loan  payment.  An error will occur if a
        payment is  entered that  with the  previously entered data will
        cause the  computed field  not to  fall  within  its  prescribed
        range.  (I.e.,  If principal is the computed field and a payment
        is entered  that will  cause principal  to compute  to  a  value
        greater than  10,000,000.00, an  error message will result.)  An
        error also will occur if a payment less than 0.00 is entered.

        Date of first Payment:

             Enter the  date the first payment for the loan is due.  For
        new loans,  the default  date is  the next  date  following  the
        system's date  that falls  within the  previously given  payment
        schedule.   (I.e.,   If the payment schedule previously selected
        is  "Monthly"   and  the   system  date   is  8/01/1989  (1-Aug-
        1989/1.8.1989), then  the default  date given  will be 9/01/1989
        (1-Sep-1989/1.9.1989).

             If a  date has  been previously  entered and a new loan has
        not been computed, then the old date will appear.  To change the


                                       41

        date shown,  enter the  new date  using the  format shown.    To
        select a different date format, use the SETTINGS pull-down menu.
        (See "Selecting a Date Format".)

             The date field actually contains three separate sub-fields.
        Each sub-field  is separated by delimiters.  The delimiters used
        in the date cannot be typed in.

             The month  sub-field  will only accept the digits 1 through
        12.   If the  date format  is DD-Mon-YY  then a menu will pop up
        from which  to select  the month.   The  day sub-field will only
        accept valid  days for  the month  currently in  the month  sub-
        field.   When the  month entered is 2 (February), then leap year
        checking is  not done  until ENTER, UP ARROW, DOWN ARROW, or any
        other key  or mouse event that causes LoanPmt to leave the field
        etc. is  entered.  This allows the day sub-field to be exited so
        a different year can be entered.

             The year  sub-field (right sub-field) will accept any four-
        digit entry.   We suggest the full year be entered, but the last
        two digits also may  be used.  Be warned, though, that when leap
        year checking is done, two digit years are considered in the 1st
        century.   This is only important to keep in mind if the loan is
        started in this century (20th century) and will be ending in the
        next century (21st century).

             While non-century  years that  are evenly divisible by four
        are leap  years,  only  those  century  years  that  are  evenly
        divisible by  400 are  leap years.   Therefore,  if the starting
        date of  a 30-year  loan with payments due each month is entered
        as 8/31/89 (31-Aug-89 or 31.8.89) (i.e., payments due at the end
        of each  month), the  program would  process the years correctly
        until it finished with year 99.  It would then incorrectly start
        year 100  instead of  the year 2000.  The year 100 is not evenly
        divisible by  400 while  the year 2000 is (i.e., the year 100 is
        not a  leap year,  but the year 2000 is).  The program will then
        incorrectly say that the payment for February is due on 2/28/100
        (28-Feb-100 or  28.2.100).   This payment  is  actually  due  on
        2/29/2000 (29-Feb-2000  or 29.2.2000)  since the  year 2000 is a
        leap year.

             The RIGHT  ARROW or  LEFT ARROW keys (or the mouse) must be
        used to move between the date fields.  Press ENTER (or any other
        key or  mouse event  that causes  LoanPmt to leave the field) to
        enter the  date.   LoanPmt performs  error checking  on all date
        entries as  described above  and will  not proceed until a valid
        date is entered.


                                  NO SOLUTION

             All computed  fields are  dynamic in  LoanPmt.   What  this
        means is  that the chosen computed field is updated (recomputed)
        each time new data is entered at any other field.  Critical data


                                       42

        errors are  trapped within  each data entry field.  For example,
        if an APR is entered that is less than zero, the computer beeps,
        an error  message displays at the bottom of the screen.  LoanPmt
        will not  allow you to proceed until the error is corrected.  On
        the other  hand, non-critical  errors are  not  trapped.    When
        values are  entered that  result in no solution for the computed
        field, "NO  SOLUTION" is  displayed in  the computed  field (see
        Figure 40).

             When this  happens,  "F4="NO  SOLUTION"  Hint"  immediately
        displays near  the bottom  of the  screen.   By pressing  F4 (or
        left-clicking the  mouse on the message, LoanPmt displays a hint
        describing why  a solution could not be reached for the computed
        field (see Figure 41).  Usually, many reasons exist, but LoanPmt
        only displays the first one determined to be the cause.


                      LOAN PAYOFF DATA ENTRY VERIFICATION

             As described  in the  previous section, all computed fields
        are dynamic  in LoanPmt.   When  LoanPmt is in Payoff mode, data
        entered for  the loan  parameters are  automatically verified by
        LoanPmt before  the payoff  is computed.   This ensures all data
        will  create  a  valid  loan.    LoanPmt  accomplishes  this  by
        correcting  the  amount  in  the  payment  field,  if  required,
        whenever data  is entered at any field except the payment field.
        If data  is entered  at the  payment field,  then the  principal
        field is  corrected, if required.  If all the data fields create
        a valid loan, then no corrections are made.

             Whenever you  enter data  not created  by  LoanPmt,  it  is
        possible that  LoanPmt will  change either principal or payment.
        This can  happen whenever  a loan  method  different  from  that
        employed by  LoanPmt was  used to  create the original loan.  In
        these cases  the difference  may not amount to very much.  These
        results can possibly be used as a guideline for what your lender
        may charge  to pay  off your  loan.   The terms of a payoff will
        always be  governed by  the original  loan contract.   It is not
        unusual for  contracts to  require penalties  or other  fees for
        early loan  payoffs.   This is  especially true if your contract
        mentions the  RULE OF  78.   You should always read the terms of
        your contract  before pursuing  an early  loan payoff.  This can
        save some very big surprises later.


                   LoanPmt INITIALIZATION FILE (LPMTINIT.PMT)

             When LoanPmt  starts  execution,  it  looks  for  the  file
        LPMTINIT.PMT.   If it  finds the file, it loads it.  If the file
        is  not  found,  LoanPmt  initializes  to  predefined  defaults.
        LPMTINIT.PMT is  a normal  LoanPmt .PMT loan parameter file.  It
        can be  loaded, saved,  and overwritten with new loan parameters
        the same  as any  .PMT file.    The  file  LPMTINIT.PMT  on  the
        distribution disk contains LoanPmt's predefined parameters.


                                       43

             Besides the loan parameters, the following LoanPmt settings
        are also saved:
                            Currency symbol
                            Date format

             You can  create your personal initialization parameters for
        LoanPmt.   First enter  the values  in the data entry fields you
        always want  LoanPmt to begin with.  For example, you may always
        want the  loan company  field to  contain the name of your bank.
        Next, pull  down the  settings menu  and select all the settings
        you always want to start with.  For example, you may always want
        the currency symbol to be DM or the date format to be DD.MM.YY.

             Duration mode can also be initialized to payments or years.
        The actual  mode is  not saved  in a  .PMT file.   Instead,  the
        number of  payments is always saved.  When a .PMT file is loaded
        and the number of payments computes to even years, duration mode
        is automatically  set to  years.   Otherwise, duration  mode  is
        automatically set  to payments.   The  best  way  to  initialize
        duration mode  in LPMTINIT to years is to select years and enter
        one (1)  year for  the duration  of loan.   On the contrary, the
        best way  to initialize  duration mode  to payments is to select
        payments and  enter one  (1) payment.  NOTE: If payment schedule
        is "Yearly",  years and  payments  are  identical.    Therefore,
        duration mode will always load as years when payment schedule is
        "Yearly" in the .PMT file.

             Finally pull down the file menu and select "Save" (or press
        F2).   In the  dialog box  enter "LPMTINIT" and press ENTER.  If
        LoanPmt asks  you to  overwrite an  existing copy  of  LPMTINIT,
        select YES.   Each  time LoanPmt is run, it initializes with the
        values found in LPMTINIT.PMT.

             To edit  LPMTINIT, first  load it,  and then  edit the data
        fields.   Finally, save  LPMTINIT as  described in  the previous
        paragraph.


                                PROGRAM HISTORY

        09-01-89  Version 1.0
                  - Initial program release.

        11-01-90  Version 1.1
                  - Compute menu added.
                  - Direct data field access (JUMP) added.
                  - Load menu added.
                  - Constant update of computed field added.
                  - Data editing enhanced.
                  - Color monitor support enhanced.


                                       44

        04-15-91  Version 1.2
                  - Printer compatibility improved.
                  - File load bug fixed.
                  - Printing and file saving/loading interfaces
                    improved.

        09-30-91  Version 1.21
                  - VGA cursor bug fixed.
                  - Loan Payoff data entry verification enhanced
                  - Start program at Compute Menu
                  - Start program with clear data fields
                  - Printed manual available

        07-01-92  Version 2.0
                  - Pull-down menus and mouse support added.
                  - Loan comparison tables added.
                  - International currency symbol & date formats added.
                  - Use hotkeys for direct menu and data field access.
                  - Printouts revised to accommodate laser printers.
                  - LPMTINIT.PMT allows user-defined initialization.
                  - Fixed known bugs when computed field is not Payment.

        02-01-93  Version 2.1
                  - Improved file load menu (drive names added).
                  - Deferred principal added as a computed field.
                  - Computed field name is highlighted.
                  - Single  years   can   be   selected   for   printing
                    amortization tables.
                  - Error trapping  improved.  Non-critical errors cause
                    NO SOLUTION to be displayed in the computed field so
                    the cursor can be moved to the next input field.
                  - Currency symbol bug in payoff mode fixed.
                  - Erratic initial  payment dates  bug in  DISPLAY mode
                    fixed.
                  - Fixed bug  that caused  deferred principal  interest
                    not to be added when computed field is Duration.
                  - Fixed bug  that caused  UAE in  Windows on some PC's
                    when NOEMS switch used with EMM386.EXE.
                  - Invalid payment  dates bug when semimonthly payments
                    selected and  initial payment  date is 30th of a 31-
                    day month fixed.
                  - Mouse pointer  problem with  Microsoft mouse  driver
                    V8.2 (distributed with Windows 3.1) fixed.


                                       45

                          PROGRAM ENHANCEMENT REQUESTS
                    (HOW TO RECEIVE A FREE PROGRAM UPGRADE)

             If you  have ideas  for the enhancement of LoanPmt, you are
        encouraged to  submit them to Data Language Systems.  If you are
        the first  user to  submit a particular enhancement request, and
        it is  selected for incorporation into LoanPmt, you can receive,
        free of  charge, the  upgrade  of  LoanPmt  that  contains  your
        requested enhancement.

             To submit  an enhancement  request, please  print (or type)
        your request  and mail  it to  Data Language  Systems.   (If you
        wish, you  may include all the information in an ASCII file on a
        5 1/4"  or 3  1/2" floppy  disk.)    Enhancements  may  also  be
        submitted to  Don Swartz  72331,240 on  CompuServe, or  you  may
        phone (317)  759-7367 and  ask for  Don Swartz.     Be  sure  to
        include:

             NAME, CUSTOMER NUMBER (if known)
             ADDRESS
             CITY, STATE, ZIP CODE
             COUNTRY (if not USA)
             (AREA CODE)  PHONE#, BEST TIME TO CONTACT YOU (only include
             this information  if you do not mind if we call you in case
             we need more information.)

             For example, the following have already been suggested:

             1. Add balloon payments.
             2. Add an additional payment schedule.
             4. Add method  to  change  and  save  color  attributes  of
                display screen color monitors.
             5. Add a DOS shell.

             All requests submitted become the property of Data Language
        Systems, and  we reserve the right to select only those that are
        determined to  be feasible  and viable  enhancements to LoanPmt.
        The postmark  date on  mailed requests or the date (and time) of
        initial phone  contact will  be  used  to  determine  the  first
        submission if  duplicate requests are submitted by more than one
        registered user.

             You need  not be  a registered  user to  participate in the
        free upgrade offer.

             To be  eligible to receive a free upgrade under this offer,
        the user  also must agree to beta test the proposed enhancement,
        with no  charge to  Data Language  Systems, before  its official
        release.


                                       46

                             REPORTING LoanPmt BUGS
                    (HOW TO RECEIVE A FREE PROGRAM UPGRADE)

             Every attempt  has been  made to provide bug-free software.
        Unfortunately it  is realistic  that some  bugs will escape even
        the most aggressive testing.

             If  you  find  a  bug  in  the  LoanPmt  program,  you  are
        encouraged to  submit it  to Data  Language Systems so it can be
        corrected.  If you are the first user to submit a particular bug
        for correction,  you can receive, free of charge, the upgrade of
        LoanPmt that contains the bug fix.

             To submit  a bug, please print (or type) the condition that
        you suspect  to be  a bug  and mail it to Data Language Systems.
        (If you  wish, you  may include  all the information in an ASCII
        file on  a 5  1/4" or 3 1/2" floppy disk.)  Bug reports may also
        be submitted  to Don  Swartz 72331,240 on CompuServe, or you may
        phone (317)  759-7367 and  ask for  Don  Swartz.    Be  sure  to
        include:

             NAME, CUSTOMER NUMBER (if known)
             ADDRESS
             CITY, STATE, ZIP CODE
             COUNTRY (if not USA)
             (AREA CODE)  PHONE#, BEST TIME TO CONTACT YOU (only include
             this information  if you do not mind if we call you in case
             we need more information.)

             All bug  reports submitted  become  the  property  of  Data
        Language Systems,  and we  reserve the  right to  modify LoanPmt
        only for  submissions that  are determined  by us  to be  actual
        malfunctions of  the intended  design of  LoanPmt.  The postmark
        date on  mailed requests or the date (and time) of initial phone
        contact will  be used  to  determine  the  first  submission  if
        duplicate reports  are submitted  by more  than  one  registered
        user.

             For situations  where a  reported bug is determined by Data
        Language Systems  to be  within the  realm of the actual program
        design (i.e., not really a bug), your submission will be handled
        as a  Program Enhancement  Request (see  the previous section of
        this manual).

             You need  not be  a registered  user to  participate in the
        free upgrade offer.

             To be  eligible to receive a free upgrade under this offer,
        the user  also must  agree to  beta test  the bug  fix, with  no
        charge to Data Language Systems, before its official release.


                                       47

                                SOFTWARE LICENSE

             The LoanPmt program, its documentation, and all other files
        on the  distribution disk  are copyright  (C) 1989-1993  by Data
        Language Systems.  All rights reserved.

             This software  and the  disks on  which it  is contained is
        licensed to  you,  for  your  own  use.    This  is  copyrighted
        software.   You are  not obtaining  title to the software or any
        copyright rights.   You may not sublicense, rent, lease, convey,
        modify, translate,  convert  to  another  programming  language,
        decompile, or disassemble the software for any purpose.

             You may  make as  many copies  of this software as you need
        for backup purposes.  You may use this software on more than one
        computer,  provided   there  is   no  chance  it  will  be  used
        simultaneously on  more than  one computer.   If you need to use
        the software  on more  than one  computer simultaneously, please
        contact us for information about site licenses.

             Since this  software is  distributed as shareware.  You are
        free to use, copy, and distribute LoanPmt if:

             1. No fee  is charged  for use,  copying  or  distribution.
                Clubs, user groups, shareware libraries, etc. may charge
                a nominal  fee of  $10 or  less (plus shipping, handling
                and taxes) for distributing LoanPmt.

             2. LoanPmt  must   always  be   called  SHAREWARE  and  the
                registration fee must be stated.

             3. The program and documentation are not modified in any
                way.

             4. All distribution disks must contain the files:
                LOANPMT.EXE    INVOICE.TXT    QKSTART.TXT   APPENDXA.TXT
                LOANPMT.OVR    EXAMPLE1.PMT   README.TXT    LPMTINIT.PMT
                LOANPMT.TXT    EXAMPLE1.AMR   README.BAT    LOANPMT.ICO

                These file  names may  not be  changed, but  they may be
                archived or  combined into  one file  named LOANPMT.ARC,
                LOANPMT.ZIP, etc. to save space for distribution.

             5. If you find this program useful, then register your use.
                To register,  fill out  and return the User Registration
                Form  and  Invoice  in  this  manual  (or  in  the  file
                INVOICE.TXT) along  with  the  registration  fee  to  be
                eligible for user support, etc.

             If you  use this  software for  more than ninety (90) days,
        you are required to purchase a registered copy.

             Site licenses and commercial licenses are available.  Write
        to Data Language Systems for more information.


                                       48

             When you  register your  use of these programs, you will be
        eligible to  receive user  support, and you will receive notices
        of future upgrades and bug fixes, etc.

             Any use  or distribution of the LoanPmt program constitutes
        agreement to and acceptance of this license.

             This  license   and  your   right  to   use  the   software
        automatically terminate  if you  fail to  comply with any of the
        provisions of this license.

             If you have questions or comments about the use, licensing,
        or registration  of  this  program,  or  to  submit  enhancement
        requests or  report bugs,  please write to Data Language Systems
        at the address shown on the registration form, or drop us a line
        on CompuServe 72331,240.


                                  USER SUPPORT

             If you experience problems, need help, have questions, etc.
        about LoanPmt,  then Data  Language Systems  wants to  hear from
        you.

             Feel free  to write us about anything you have to say about
        our program  even if  it is a complaint.  If you prefer, you may
        call us,  but a  letter (or  an ASCII file on a 5 1/4" or 3 1/2"
        disk, if you prefer) usually works best.  Our address is:

                  Data Language Systems
                  10520 W. SR 32
                  Yorktown, IN 47396

             You may  also contact  us via CompuServe E-Mail.  Send your
        messages to Don Swartz, 72331,240.

             The author  of LoanPmt  is usually available for user phone
        support Monday  through Friday,  5:00PM-9:00PM EST.  Please only
        call between the hours listed for phone support, and please note
        that Indiana does NOT observe EDT (Eastern Daylight saving Time)
        during  the   summer  months.     So,  please  plan  your  calls
        accordingly.   Call (317)  759-7367  and  ask  for  Don  Swartz.
        Please don't  get discouraged if he is not always available.  We
        still want  to do  everything we  can to  help you.  Please call
        back.


                             A NOTE ABOUT SHAREWARE

             LoanPmt is  a Shareware  program.   Sometimes Shareware has
        been called  Freeware, User Supported Software, and other names.
        Shareware is  NOT Public  Domain software  and it  is not  FREE.
        Data Language Systems retains all rights to the software and its
        documentation  under   the  copyright  laws  and  simply  allows


                                       49

        distribution of  this program and the documentation with the few
        restrictions listed in the Software License in this manual.

             Since this  program is  Shareware, you  may look  at, keep,
        copy, etc.  the software  and the  documentation, but if you use
        this program, then register your use with Data Language Systems.
        The registration fee for LoanPmt is an inexpensive way to:

             1. Guarantee you have the support of Data Language Systems.

             2. Make sure you will know about updates, enhancements, bug
                notices and fixes, etc.

             3. Allow Data  Language Systems to make these programs even
                better.

             4. Give credit  to and  compensate the author for providing
                you with a program that has been useful to you.

             You are  free to run this software on your computer to make
        sure it  is compatible  with your  system and  to make  sure  it
        operates to  your satisfaction before you "buy it" by sending in
        the registration form and fee.

             Considerable time,  effort, and  expense have been expended
        by Data  Language Systems  developing, supporting, and upgrading
        LoanPmt.   So, please,  if you find this program useful, send in
        your registration  fee so  Data Language Systems can continue to
        support and  improve the  program.   But, if  after testing  the
        software, you find it unsatisfactory or incompatible, we welcome
        your comments.   User  satisfaction is our goal at Data Language
        Systems, and  only by  hearing from  the  people  who  use  this
        software can we achieve this goal.


                                   DISCLAIMER

             The LoanPmt program and its documentation are Copyright (C)
        1989-1993 by Data Language Systems.  All rights reserved.

             DATA LANGUAGE  SYSTEMS DISCLAIMS ALL WARRANTIES RELATING TO
        THIS SOFTWARE,  WHETHER EXPRESS  OR IMPLIED,  INCLUDING BUT  NOT
        LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS
        FOR A  PARTICULAR PURPOSE, AND ALL SUCH WARRANTIES ARE EXPRESSLY
        AND SPECIFICALLY  DISCLAIMED.  NEITHER DATA LANGUAGE SYSTEMS NOR
        ANYONE ELSE  WHO HAS  BEEN INVOLVED IN THE CREATION, PRODUCTION,
        OR DELIVERY  OF THIS  SOFTWARE SHALL BE LIABLE FOR ANY INDIRECT,
        CONSEQUENTIAL, OR  INCIDENTAL DAMAGES  ARISING OUT OF THE USE OR
        INABILITY TO USE SUCH SOFTWARE EVEN IF DATA LANGUAGE SYSTEMS HAS
        BEEN ADVISED  OF THE  POSSIBILITY OF SUCH DAMAGES OR CLAIMS.  IN
        NO EVENT  SHALL DATA  LANGUAGE SYSTEMS LIABILITY FOR ANY DAMAGES
        EVER EXCEED  THE PRICE PAID FOR THE LICENSE TO USE THE SOFTWARE,
        REGARDLESS OF  THE FORM OF CLAIM.  THE PERSON USING THE SOFTWARE


                                       50

        BEARS ALL  RISK  AS  TO  THE  QUALITY  AND  PERFORMANCE  OF  THE
        SOFTWARE.

             Some states  do not  allow the  exclusion of  the limit  of
        liability for  consequential in incidental damages, so the above
        limitation may not apply to you.

             This agreement  shall be  governed by the laws of the State
        of Indiana  and shall  inure to  the benefit  of  Data  Language
        Systems and  any successors, administrators, heirs, and assigns.
        Any action  or proceeding  brought by  either party  against the
        other arising  out of  or related  to this  agreement  shall  be
        brought  only   in  a   STATE  or  FEDERAL  COURT  of  competent
        jurisdiction located  in Delaware  County, Indiana.  The parties
        hereby consent to in personam jurisdiction of said courts.

             Any use  of  the  LoanPmt  program  and  its  documentation
        constitutes agreement to and acceptance of this disclaimer.

             Data Language  Systems,  however,  does  warrant  that  any
        LoanPmt  distribution   diskettes  and   documentation   manuals
        obtained directly  from Data  Language Systems will be free from
        defects in materials and workmanship under normal use for ninety
        (90) days  from the  date of  delivery to  you as evidenced by a
        copy of  your Data  Language Systems  shipping invoice.   If you
        wish to  claim a  defective disk  or manual under this warranty,
        you must  send the  defective item  and  a  copy  of  your  Data
        Language Systems invoice to us.  Disks and manuals obtained free
        with program  registration will  be replaced.  Disks and manuals
        purchased separately  can be  refunded or  replaced.  If this is
        the case,  please specify which you want.  Shipping and handling
        charges are  not refundable.   Replacements or refunds will only
        be made  after the  item and  the copy of your invoice have been
        returned to  Data  Language  Systems.    Distribution  diskettes
        obtained from  other Shareware  distributors are  not covered by
        this warranty.   Only  diskettes  with  Data  Language  Systems'
        original  LoanPmt  label  on  them  and  original  documentation
        manuals produced  by Data  Language Systems  are covered by this
        warranty.


                 OTHER DATA LANGUAGE SYSTEMS SHAREWARE PROGRAMS

        DIRSRCH -  DIRSRCH is  a directory  search utility  program.  It
                   finds files  that match  a given  file  specification
                   that are located anywhere on your disk.  A listing of
                   matching files  is then  displayed.  DIRSRCH can find
                   hidden and  system files  that the  DOS  DIR  command
                   cannot.     Alternately,  DIRSRCH's   output  can  be
                   redirected to  a file  or a  printer.    The  listing
                   contains the  date, time, size, attribute, directory,
                   and name  of  each  matching  filename  found,  total
                   number of  bytes in  files listed,  and the number of
                   free bytes left on the disk.


                                       51

                   DIRSRCH is  most useful for finding lost files tucked
                   away  in   a  forgotten   directory  or  for  finding
                   duplicate files  scattered around  the directories of
                   your hard  disk.   It can be used much like DOS's DIR
                   command to list whole directories or portions of one.
                   It can  also list  every file and directory on a hard
                   or floppy disk.  This utility is essential for anyone
                   who has a hard disk.

        MOLDWT -   MOLDWT is  designed for  use by  designers, builders,
                   and processors  of plastic  injection, die  cast, and
                   other types of molds.  This program is an easy-to-use
                   mold weight  and mold  center of  balance  calculator
                   program.  It can compute these values for "A" and "B"
                   type molds  and 5-plate  and 6-plate  stripper molds.
                   The mold  type is  menu selectable.  Linear units are
                   menu-selectable  between   inches  and   millimeters.
                   Weights are  also menu-selectable  between pounds and
                   kilograms.   All computed  variables  are  constantly
                   updated whenever  any  new  data  field  is  entered.
                   Direct data  field access  is provided  and bulk data
                   can be  entered for  plate widths  and lengths.   The
                   program's results  can be  printed or  saved to disk,
                   and each  plate's individual  weight is  added to the
                   results.   Mold parameters  can be  saved to disk and
                   previously saved  parameters can  be reloaded  via  a
                   file selection  menu.   Mold  data  disks  containing
                   "STANDARD" mold  parameters are separately available.
                   MOLDWT is  SHAREWARE  and  its  registration  fee  is
                   $35.00, which  includes a  free  data  disk  of  your
                   choice.   Mold data  disks are  NOT SHAREWARE and are
                   $10.00 each.

             A  distribution  disk  containing  all  program  files  and
        documentation files  can be obtained directly from Data Language
        Systems for  your evaluation.   Simply  fill  in  and  mail  the
        Invoice either  from this  manual or the file INVOICE.TXT, along
        with your payment, to receive the diskettes you want.


                                       52

                             USER REGISTRATION FORM
            LoanPmt; COPYRIGHT (C) 1989-1993, DATA LANGUAGE SYSTEMS
                              ALL RIGHTS RESERVED

             To register LoanPmt, complete this form  and the Invoice on
        the following  page and  mail them  with   and your check, money
        order, or charge card information to:

                  Data Language Systems      or    via CompuServe
                  10520 W. SR 32                     72331,240
                  Yorktown, Indiana 47396

        (Please print) DATE: _______________                LoanPmt Ver 2.1
        (Please Check One) ( ) MR., ( ) MS., or ( ) ________
          NAME: _____________________________________________________
        COMPANY: _____________________________________________________
         STREET: _____________________________________________________
           CITY: _____________________  STATE: _______ ZIP: __________
        COUNTRY: _____________________________________________________
          PHONE: (_________)  ________________________________________

        MICROCOMPUTER BRAND: _________________  MODEL:
        __________________
        MONITOR: ( ) Monochrome  ( ) Color
        VIDEO CARD: ( ) MDA  ( ) CGA  ( ) EGA  ( ) MCGA  ( ) VGA
                    ( ) Other __________________________________
        SYSTEM PROCESSOR:
             ( ) 8186  ( ) 8188  ( ) NEC V20  ( ) NEC V30
             ( ) 8086  ( ) 8088  ( ) 80286  ( ) 80386SX  ( ) 80386
             ( ) 80486 ( ) Other _______________________
        MATH COPROCESSOR:
             ( ) 8087  ( ) 80287  ( ) 80387  ( ) Other _________________
        SYSTEM MEMORY ________K.    EMS MEMORY ________K.
        IBM/MS-DOS Ver # __________  EMS Ver # _________
        DISK DRIVES:
             # ___ 5 1/4" Floppy _____ MB, # ___ 3 1/2" Floppy _____ MB.
             # ___ Hard Drives _______ MB.
        PRINTERS:
             ( ) Dot Matrix    ( ) Laser    ( ) Other __________________
             Printer brand name & model# _______________________________
        HOW DID YOU ACQUIRE THIS PROGRAM:
             ( ) BBS ___________________________________________________
             ( ) User Group ____________________________________________
             ( ) Shareware Library _____________________________________
             ( ) From a friend  ( ) Direct from Data Language Systems
             ( ) Other _________________________________________________

        WHAT WOULD YOU LIKE TO SEE ADDED TO THIS PROGRAM?
        ________________________________________________________________
        ________________________________________________________________
        COMMENTS:
        ________________________________________________________________
        ________________________________________________________________


                                       53

        Remit to: Data Language Systems               INVOICE # 020193
                  10520 W. SR 32
                  Yorktown, IN 47396
                  (317) 759-7367
                  CompuServe 72331,240

        Ship to (please print):

             _________________________________________________

             _________________________________________________

             _________________________________________________

             _________________________________________________

             _________________________________________________
                                                   UNIT
                                                   PRICE
               DESCRIPTION                  QTY   (U.S.$)     TOTAL
        LoanPmt registration.
           (includes free disk and printed _____   $25.00   ___________
            manual of latest version.)
        Add'l LoanPmt distribution disk.   _____    $5.00   ___________
        Add'l LoanPmt manual.              _____   $10.00   ___________
        TPCSHELL distribution disk.        _____    $5.00   ___________
        DIRSRCH distribution disk.         _____    $5.00   ___________
        MOLDWT distribution disk.          _____    $5.00   ___________
             Disk Size: 5.25" (__) or 3.5" (__)
             (5 1/4" will be sent if no selection marked.)

                                                 SUB TOTAL: ___________
        SALES TAX (Indiana Residents only)          5%      ___________
        (If tax exempt, attach Tax Exemption Certificate.)

        Shipping & Handling:                   US - $3.50
                                 Canada, & Mexico - $4.50
                              All other locations - $6.00   ___________

                                                     TOTAL: ___________

        TERMS: All orders must be prepaid IN U.S. FUNDS by Check or
               Money Order (DRAWN ON a U.S. or Canadian BANK), or
               MasterCard or Visa:
        Method of payment (check one):
             ( ) Check  ( ) Money Order  ( ) MasterCard  ( ) Visa
        Charge card  users must  fill out  the following, or phone (317)
        759-7367  (5:00PM-9:00PM   EST).     You  also   may  send   the
        registration,  invoice,   and  charge   card   information   via
        CompuServe E-Mail to 72331,240
        Account No. _______ _______ _______ _______  Exp. Date _______

        Signature: ___________________________________________________
                   (required for all charge cards)

