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USERS MANUAL.DOC EASY AGENT 1.3 Copyright (c) 1990, 1991 Thomas W. Boyd 97 Greenbrook, Brandon, MS. 39042 (601-825-4926) AUTHOR MEMBER ASSOCIATION OF SHAREWARE PROFESSIONALS All RIGHTS RESERVED The Purchaser will be licensed to use this Software and printed materials in the EASY AGENT package under the terms of this Software License Agreement. PRACTICAL PROGRAMS grants you a paid- up, non-transferable, personal license to use EASY AGENT 1.3 on one (1) computer work station and one (1) Laptop. You do not become the owner of the package. You do not have the right to copy (except permitted backups of the software), or alter the software or printed materials. You are legally accountable for any violation of the License Agreement and copyright, trademark, or trade secret law. SYSTEM REQUIREMENTS. IBM-PC or Compatible Computer with 512K or more memory. One (1) floppy disk drive or hard disk drive, and MS-DOS Release 2.0 or later. IBM is a registered trademark of International Business Machines. MS-DOS is a registered trademark of Microsoft Corporation. The Contract forms (CONTRACT FOR SALE OF REAL ESTATE, Form 7, and COMMERCIAL PROPERTY CONTRACT, Form 21), included in the EAST AGENT package, are Copyrighted (c) 1986-1991 by, K. F. Boackle, Attorney-at-Law, Jackson, Mississippi 39236. For more information (about camera ready, typeset form masters) call (601) 957-7000. The MISSISSIPPI ASSOCIATION OF REALTORS has adopted these contract forms as there Standard Contract, and provide masters to all Member Brokers. WELCOME TO EASY AGENT EASY AGENT is a Tool for busy Real Estate Agents. With EASY AGENT, Agents can calculate Buyer's cost, Seller's net proceeds, monthly payments and FHA minimum down payments in a matter of minutes. Monthly payments include principal, Interest, taxes, insurance and mortgage insurance amounts. The program does all the time consuming and complicated calculations automatically and when any of the transaction costs change the program recalculates all the costs. An Agent can print (when all changes are complete), Buyer's cost report, Seller's net proceeds report, FHA Acquisition report, FHA allowable closing cost summary, Residential Contract, Commercial Contract and Amortization schedules. The transaction information also can be saved on disk (hard disk or diskette) for future reference or revisions. Complicated Real Estate transactions are different for each transaction. Easy Agent makes calculating these costs simple and easy. The program uses three separate worksheets: Sale/Purchase Worksheet, FHA Acquisition Worksheet and Contract Worksheet for transaction calculations. All worksheets share the same data and information. The program automatically updates all the worksheets when one (1) worksheet changes. The program also allows an agent to switch from one worksheet to another with a simple keystroke, without having to reenter data or retrieve any files. Another added feature in the Easy Agent program is a four (4) function calculator. The calculator is available in the Sale/Purchase Worksheet and FHA Worksheet. COMMON FILE SYSTEM. All the program worksheets use the same files. Any saved file contains all the transaction data and can be retrieved from the Sale/Purchase Worksheet or the FHA Acquisition Worksheet. The following is a summary of the transaction items included in the program worksheets: Buyer's name * Prepaid taxes * Seller's name * Title insurance ** Property address * Hazard insurance * Sale price * Transfer fee * Down payment * *** Other escrow * Loan amount ** (2) Fill in Other * Interest rate * Credit report * Years financed * Recording fee * Total payment ** MIP/PMI/VA fee ** *** **** Payment principal ** Appraisal * Payment interest ** Warranty * Earnest money * Total Seller's cost ** Brokerage ** **** Seller's net proceeds ** Attorney fee * Total Buyer's cost ** Discount points ** **** FHA minimum down ** Loan origination ** **** Total FHA allowable cost ** Seller's Loan balance * FHA maximum mortgage ** Termite inspection * Loan type (Conventional) (FHA) (VA) * MIP/PMI/VA fee financed (yes/no) * * user entry item ** program calculated item *** special treatment item, depending on loan type **** special entry item, user enters % and program calculates amount HOW TO START EASY AGENT The command to start EASY AGENT is "AGENT" and the executable file is Agent.exe. There are two (2) installation programs on the distribution disk (INSTALL.BAT and FINSTALL.BAT). Refer to "Dual or Single floppy drive system installation" or "Hard drive system installation" sections in this manual for more details. If you want to run EASY AGENT from a Floppy drive, at the "A:>" prompt type in AGENT and press ENTER. If you have installed EASY AGENT onto a hard drive, at the "C:>" prompt, type in "CD REALTY" and press ENTER, at the "C:\REALTY>" prompt, type in "AGENT" and press ENTER. Software Support If you have trouble with this Software please contact: THOMAS W. BOYD 97 Greenbrook Brandon, MS. 39042 (601-825-4926) If you would like to see other features added to this program, then please write to me at the above address. All licensed users will receive notification as upgrades are available. In keeping with my objectives (to provide PRACTICAL solutions at a reasonable price) upgrades will be reasonably priced. The following is a list of "planned" future additions to the EASY AGENT program: (1) Buyer Loan Pre-qualification Worksheet (2) Investment Worksheet, Rate of Return and Return on Equity (3) Mortgage Refinancing Worksheet (4) APR (Annual Percentage Rate) calculations for Regulation Z (Reg Z) compliance. NEW PROGRAM IN THE WORKS! HUD-1 SETTLEMENT STATEMENT I am presently working on a HUD-1 Settlement Statement program. This program will make all the complicated calculations and print (fill in the blanks on the HUD-1 Form) a complete Settlement Statement in a matter of minutes. DUAL OR SINGLE FLOPPY DRIVE SYSTEMS Start your computer with your MS-DOS start-up diskette. Be sure to set the DATE during start-up. EASY AGENT uses the system date in its printouts. After system BOOT, remove your MS-DOS diskette and insert the EASY AGENT program diskette into "A" drive. At the "A:>" prompt type FINSTALL. FINSTALL.BAT is the installation batch file on the program distribution disk. The FINSTALL program will prompt you for your Name/Company. Type in either your name or your company's name at the prompt, then press ENTER. The FINSTALL program will next prompt you for the type MONITOR you have connected to your computer (MONOCHROME OR COLOR). Enter "1" for monochrome or "0" for color. The FINSTALL program will next prompt you for the type PRINTER you have connected to your computer (IBM or EPSON emulation). Enter "1" for IBM proprinter or "0" for EPSON. When the FINSTALL program is complete, I recommended that you make a backup copy of the program disk. After you make a backup program diskette, use it to run the EASY AGENT program. Put the backup copy in "A" drive. At the "A:>" prompt type AGENT. HARD DISK INSTALLATION If you want to install EASY AGENT on your hard disk, the INSTALL program on the EASY AGENT diskette will do it for you. INSTALL.BAT makes a directory on "C" drive, named REALTY. If you are using the "C" drive, put the EASY AGENT program diskette in the "A" drive. At the "C:>" prompt type "A:\" and press ENTER. The "A:>" prompt should be displayed. At the "A:>" prompt type in INSTALL and press ENTER. The INSTALL program will first ask you for your Name/Company. Type in your name or company's name and press ENTER. The INSTALL program will next prompt you for the type MONITOR you have connected to your computer (MONOCHROME OR COLOR). Type in "1" for monochrome or "2" for color. The INSTALL program will next prompt you for the type PRINTER you have connected to your computer (IBM proprinter or EPSON emulation). Type in "1" for IBM proprinter or "2" for EPSON. The INSTALL program will now begin the installation process. It will copy all of the EASY AGENT program files into a sub-directory named "REALTY" on your "C" Drive. When the installation is complete, change back to "C" drive. At the "A:>" prompt type "C:\" then press ENTER. You will need to change to the "REALTY" sub-directory. At the "C:>" prompt type in "CD REALTY" then press ENTER. At the C:\REALTY> prompt type in AGENT, The EASY AGENT program will start. If you have your hard disk partitioned, and use another drive designation other than C:>, use FINSTALL.BAT and initialize the program files on your diskette. When FINSTALL.BAT completes initialization of the diskette, copy all the files to the drive you use. You will need to make a sub-directory on your hard drive for the EAST AGENT program files. To make a sub-directory (Example for D:> drive) (1) type in MKDIR REALTY, and press ENTER. (2) Type in CD REALTY, and press ENTER. (3) From the "D:\REALTY>" prompt, type in COPY A *.* D:, then press ENTER. All of the files will be copied to your hard disk. <1>SALE/PURCHASE WORKSHEET <1>SALE/PURCHASE WORKSHEET is a sub-program that you can enter all the sales information into a worksheet, and the program will calculate the Buyer and Seller's estimated cost. When you complete the worksheet the first time, you can then go back and change any of the variable's and the program will recalculate the entire worksheet. You can print a Seller's net proceeds report and Buyer's cost report for presentation. After you finish you can transfer all the information to the Contract Worksheet and print a Contract for presentation. Like the other sub-programs you also have a built-in four (4) function calculator at your fingertips. SALE/PURCHASE WORKSHEET When you choose this option from the MAIN MENU you will be prompted whether you want a new worksheet. If you want to fill out a new worksheet, press "Y" or ENTER. If you want to change a worksheet you have previously prepared, press "N" and the worksheet screen will be displayed. If you chose to fill out a new worksheet, the program will step through the following entries. <1>BUYER The cursor will be blinking in the blank after <1> BUYER. Enter the Buyers name (30 characters or less), then press ENTER. <2>SELLER The cursor will now be blinking in the blank after <2> SELLER. Enter the Sellers name (30 characters or less), then press ENTER. <3>PROPERTY The cursor will now be blinking in the blank after <3> PROPERTY. Enter the property address (30 characters or less), then press ENTER. <4>LOAN TYPE The cursor will now be blinking in the blank after <4> Loan type. Enter the loan type from the three choices (<1>Conv <2>FHA <3>VA). THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3. <5>SALE PRICE The cursor will now be blinking in the blank after <5> SALES PRICE. Enter the amount (any number from 1-9999999), then press ENTER. <30>EARNEST MONEY The cursor is now blinking in the blank after <30> EARNEST MONEY. Enter the amount and press ENTER. This program subtracts this amount from the buyer's cost (along with the down payment) in calculating the total buyer's cost. THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3. <6>DOWN PAYMENT The cursor will now be blinking in the blank after <6> DOWN PAYMENT. Enter the amount (any number from 1-9999999), then press ENTER. For conventional and VA loans the program subtracts this entry from the sale price and calculates the loan amount. For FHA loans the program calculates the FHA minimum down payment using the published FHA minimum down payment guidelines. If the buyer wants to pay any additional down payment you will need to switch (type in FHA at the Sub-Menu and press ENTER) to the FHA Worksheet. Enter the additional down payment amount in entry <12>. When you switch (press "N" from the FHA sub-menu) back to the SALES/PURCHASE Worksheet the additional down payment will be included in the total down payment amount. <7>LOAN AMOUNT After you pressed ENTER (the last time) the <7> LOAN AMOUNT was calculated and displayed. The LOAN AMOUNT is the result of subtracting the DOWN PAYMENT from the SALE PRICE for a conventional and VA loan. Easy Agent will calculate the loan amount based on the type loan selected and whether the MIP/PMI/VA fee will be financed and included in the LOAN amount. <8>INTEREST RATE & TERM The cursor will be blinking in the blank after <8>INTEREST RATE. Enter the Buyer's mortgage loan interest rate in whole numbers (for nine percent enter 9), then press ENTER. The cursor will now move to the TERM entry blank, enter the years financed in whole numbers, then press enter. When you have completed all the entries the payment, principal and interest will be displayed at the lower portion of the screen. THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3. <9>MIP/PMI/VA fee financed (Y/N). The cursor will now be blinking in the blank after <9>MIP/PMI/VA fee financed (Y/N), enter Y or N, then press enter. This entry decides if the Mortgage Insurance or VA funding fee will be added to the base loan amount. THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3. NOTE: The next section of the worksheet accepts (2) two entries for each category, you can enter an amount either under the (SELLER) or (BUYER) column. The cursor will move from one to the other. <10>BROKERAGE The cursor will now be blinking in the blank after <10> BROKERAGE %, enter the percentage of brokerage (6, 5, 4.5 etc.), then press ENTER. The brokerage amount calculated will be displayed under the (SELLER) column. If the Buyer is going to pay the brokerage, then press ENTER (Do not enter a number). The cursor is still blinking in the blank after <10> BROKERAGE %. If you enter a number in the blank, the amount of brokerage will be calculated and displayed under the (BUYER) column. If the Buyer is not paying any brokerage then just press ENTER (Do not enter a number). <11>ATTORNEY FEE The cursor is now blinking in the blank after <11> ATTORNEY FEE, under the (SELLER) column. If the Seller is paying the Attorney fee, enter the amount and press ENTER. If the seller is not paying this fee, press ENTER to move to the next entry. The cursor is now blinking in the blank under the (BUYER) column. If the buyer is paying the Attorney fee, enter the amount and press ENTER. If the buyer is not paying this fee, press ENTER to move to the next entry item. If you retrieve a previously saved file the attorney fee amount will be entered to the appropriate column for you. <12>SURVEY The cursor is now blinking in the blank after <12> SURVEY, under the (SELLER) column. Either enter an amount (if the seller is paying the cost) or press ENTER to move to the entry under the (BUYER) column. If the buyer is paying this cost enter the amount, if not, press ENTER to move to the next entry item. If you retrieve a previously saved file, the survey amount will be entered to the appropriate column for you. <13>DISCOUNT POINTS The cursor is now blinking in the blank after <13> DIS-POINTS. If you enter the number of discount points in this blank, the amount will be calculated and displayed under the (SELLER) column. Press ENTER if the Seller is not paying any points. The cursor is still in the blank after DIS-POINTS, enter the number of points the Buyer will pay, then press ENTER. If the Buyer is not paying any points, press ENTER to move to the next entry item. <14>LOAN ORIGINATION The cursor is now blinking in the blank after <14> LOAN ORIG. This entry is just like Discount Points entry. If Loan Origination is one percent (1%) of the amount financed, then enter "1" (or whatever percentage applies). Remember you can either enter the percentage in the (SELLER) or (BUYER) column. If you retrieve a previously saved file the loan origination amount will be entered to the appropriate column for you. <15>LOAN BALANCE The cursor is now blinking in the blank after <15> LOAN BALANCE, under the (SELLER) column. Enter an amount, or press ENTER to step to the next entry under the (BUYER) column. Enter an amount, or press ENTER to move to the next entry item. <16>FHA/MIP ESCROW The cursor is now blinking in the blank after <16> FHA/MIP ESCROW, under the (SELLER) column. Enter an amount, or move to the (BUYER) column by pressing ENTER. Enter an amount, or press ENTER to move to the next entry item. This entry is for the Monthly Mortgage Insurance Premium [two (2) months escrow]. The monthly mortgage insurance premium amount will be calculated for you in the FHA Worksheet. The calculation for FHA loans is one-half-of-one percent (.5%) of the base loan amount, divided by twelve (12). The program calculates this amount, but does not enter it into the entry blank. This is a user entry item. Different mortgage companies calculate this amount in different ways, this is why this entry is a user entry item. THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3. <17>TERMITE INSPECTION FEE The cursor is now blinking in the blank after <17> TERMITE INSPECT, under the (SELLER) column. Enter an amount, or press ENTER to step to the next blank under the (BUYER) column. Enter an amount, or press ENTER to move to the next entry item. <18>2 MONTHS TAXES The cursor is now blinking in the blank after <18>2 MONTHS TAXES. This is a "special entry item" (that allows a separate entry) for a twelve (12) months tax amount. Enter the twelve (12) months tax amount and press ENTER. The program will calculate the two (2) months tax amount and display it under the (SELLER) column. The cursor will still be in the twelve (12) months tax enter blank (which now applies to the Buyer). Enter the twelve (12) months tax amount and press ENTER. The program will calculate the two (2) months tax amount and display it under the (BUYER) column. THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3. <19>TITLE INSURANCE The cursor is now blinking in the blank after <19> TITLE INSURANCE, under the Seller's column. Enter "Y" if you want title insurance entered under the (SELLER) column, if not, press ENTER to step to the blank under the (BUYER) column. Enter "Y" or press ENTER to move to the next entry item. This entry uses the data stored in the file (PTITLE.DST) to calculate this amount for you. You can change the data file from the SET UP menu. If you retrieve a previously saved file the title insurance amount will be entered to the appropriate column. NOTE. The program uses the stored title insurance rates [(1) below $100,000, (2) above $100,000 and less than $500,000, (3) above $500,000 and less than $1,000,000, (4) above $1,000,000 and less than $10,000,000], for the calculations (based on the mortgage, loan amounts). THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3. <20>HAZARD INSURANCE (14 months) The cursor is now blinking in a blank where <20> HZD INS (14 mo) had been displayed. This entry blank is a "special entry blank" (for entering the twelve (12) months insurance premium amount). Enter the twelve (12) months insurance premium amount, then press ENTER. The program will calculate the fourteen (14) months insurance amount for you, and display the total under the (SELLER) column. The cursor will still be in the twelve (12) months insurance premium entry blank. Enter the twelve (12) months insurance premium amount, and press ENTER. The program will calculate the fourteen (14) months insurance amount for you and display the total under the (BUYER) column. If you retrieve a previously saved file, the Hzd Insurance (14 months) amount will be entered to the appropriate column. THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3. <21>TRANSFER FEE The cursor is now blinking in the blank after <21> TRANSFER FEE, under the (SELLER) column. Enter an amount, or press ENTER to step to the next blank under the (BUYER) column. Enter an amount, or press ENTER to move to the next entry item. <22>OTHER ESCROW The cursor will be blinking after <22>OTHER ESCROW, under the (SELLER) column. Enter an amount, or press ENTER to step to the next blank under the (BUYER) column. Enter an amount, or press ENTER to move to the next entry item. This item is for miscellaneous escrow items, not covered by, two (2) months taxes and fourteen (14) month insurance. THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3. <23>OTHER This entry prompts you to enter the "Name" of the cost, in an entry blank [located to the left of the (SELLER) column]. You can type in the "Name" of the cost, and press ENTER. The cursor will move to the blank under the (SELLER) column. Enter an amount, or press ENTER to step to the next blank [under the (BUYER) column]. Enter an amount, or press ENTER to move to the next entry item. The "Name" of the cost item will be printed on the Buyer's cost report and the Seller's net proceeds report. <24>OTHER This entry prompts you to enter the "Name" of the cost, in an entry blank [located to the left of the (SELLER) column]. You can type in the "Name" of the cost, and press ENTER. The cursor will move to the blank under the (SELLER) column. Enter an amount, or press ENTER to step to the next blank [under the (BUYER) column]. Enter an amount, or press ENTER to move to the next entry item. The "Name" of the cost item will be printed on the Buyer's cost report and the Seller's net proceeds report. <25>CREDIT REPORT The cursor is now blinking in the blank after <25> CREDIT REPORT, under the (SELLER) column. Enter an amount, or press ENTER to step to the next blank under the (BUYER) column. Enter an amount (and press ENTER), or press ENTER to move to the next entry item. <26>RECORDING FEE The cursor is now blinking in the blank after <26> RECORDING FEE, under the (SELLER) column. Enter an amount (and press ENTER), or press ENTER to step to the next blank under the (BUYER) column. Enter an amount (and press ENTER), or press ENTER to move to the next entry item. <27>PMI/MIP/VA FEE The cursor is now blinking in the blank after <27> PMI/MIP/VA FEE. This entry is just like Discount Points entry. If PMI/MIP/VA FEE is one percent (1%) of the amount financed, then enter "1" (or whatever percentage applies). Remember, you can enter the percentage in the (SELLER) or (BUYER) column. When financing PMI/MIP/VA FEE in the loan, the amounts will not display in these entry blanks. The calculated amount will-be-added to the base loan amount. Be careful with this entry, the FHA Acquisition Worksheet calculates the Mortgage Insurance Premium as 3.8% of the loan balance. You will need to enter the percentages, for PMI and VA FEE entries, because these amounts (they are not fixed) can vary. If you do not enter a percentage in this entry (for conventional loans with PMI and VA loans) the program cannot calculate the cost. <28>APPRAISAL The cursor is now blinking in the blank after <28> APPRAISAL, under the (SELLER) column. Enter an amount, or press ENTER to step to the next blank under the (BUYER) column. Enter an amount, or press ENTER to move to the next entry item. If you retrieve a previously saved file, the appraisal amount will be entered to the appropriate column. <29>WARRANTY The cursor is now blinking in the blank after <29> WARRANTY, under the (SELLER) column. Enter an amount, or press ENTER to step to the next blank under the (BUYER) column. Enter an amount, or press ENTER to move to the next entry item. The program just calculated all your entries. The total Seller's cost automatically subtracts from the sale price and the program displays the Seller's Net Proceeds. The total Buyer's cost will be automatically added to the Down Payment and subtracted from the Earnest money deposit. The program then displays the Total Buyer's (cash at closing) cost. The monthly payment amount (including the principal and interest) will be displayed at the lower portion of the screen. This completes all the entries and the cursor is now blinking at the bottom screen SUB-MENU. You can change any of the entries to suit your clients needs. As you change the entries the entire worksheet recalculates for you. SUB-MENU </> + - / * CALCULATOR If you press / you can (add, subtract, multiply or divide) any two numbers. At the lower left of the screen a blank will appear, enter the first number you want to calculate, then press ENTER. Another blank will appear next to the last entry. Press either (+ to add, - to subtract, * to multiply, / to divide), you don't have to press enter. The cursor will move to a blank to the right of this entry, now enter the second number you want to calculate. Press ENTER, your answer will be displayed on the right side of The screen. <#> CHANGE To change an entry, press the number of the entry item (EXAMPLE: press "11", to change ATTORNEY FEE, or press "5" to change SALE PRICE). Each time you change an entry the worksheet recalculates completely. PRINT Press "P" and you will be presented with a menu choice for either Buyer or <S> Seller printout. If you want to print a Buyer's cost report press B. If you want to print a Seller's net proceeds report press N. Buyer and Seller's reports are separate printouts. THIS IS A NEW FEATURE ADDED IN VERSION 1.3. <F> FILE Press F and you will be prompted at the bottom of the screen for another entry. Press S, to SAVE a file or press O to OPEN a file. Type in the filename without any file extensions. <C>CONTRACT Press "C" and you will be prompted whether you want to fill out a Residential or Commercial Contract. Make your choice and the you will be prompted if you want to fill-in a new Contract (Y/N). If you press N, the cursor will move to the sub-menu at the bottom of the Contract Worksheet screen. If you press Y the cursor will step through each entry until the worksheet is complete. See HOW TO USE Contract Worksheet. <X> PAYMENT (VIEW or PRINT Amortization Schedule) If you press "X" you can view or print an amortization schedule. You will be prompted to enter (either) a "P" (to print) or "V" (to view). If you press "P" a complete amortization schedule will be printed on your printer. If you press "V" the amortization information will be displayed at the lower portion of the screen. You will need to press ENTER to step through (and VIEW) each monthly payment, for the complete term of the loan. When the last payment amortization information displays, the program will return to the worksheet SUB-MENU. <FHA> FHA WORKSHEET If you type in "FHA" and press enter, you will be switched to the FHA ACQUISITION WORKSHEET. All the data and information you have previously entered will be transferred into the FHA Worksheet. You can the make any changes to the FHA Worksheet and then switch back to the SALE/PURCHASE Worksheet by simply pressing "N" from the FHA WORKSHEET sub-menu. Q> QUIT Press "Q" to return to the MAIN MENU. <2>FHA ACQUISITION WORKSHEET <2>FHA ACQUISITION WORKSHEET is a sub-program that you can prepare an FHA Acquisition Worksheet, by simply entering the Sale price, Closing costs, Interest rate and Number of years financed. The program uses the JULY 1991 FHA rules and guidelines, in calculating the results. The program subtracts the closing costs (the seller is paying) from the Sale/Appraisal price and adds "57%" of the closing cost to the remainder. It then calculates the (95% + $500 or 97%) amount for you. Also calculated is the (97.75% or 98.75%) amount, of the sale/appraisal value. The two amounts will be compared, and the smaller of the two, will be used as the Maximum loan amount. The smaller of the two amounts, will be subtracted from the sale/appraisal price and the down payment calculated. The program also prompts you to enter the taxes and insurance costs (required at closing). A two (2) months (mortgage insurance premium) payment amount will be calculated and displayed. The calculated down payment will be added to the taxes, insurance, mortgage insurance premium payment amount and Buyer portion of the closing cost. The Total Investment will be displayed, including any other closing costs from the SALES/PURCHASE WORKSHEET. The program also calculates the payment amounts for taxes and insurance based on your tax and insurance entries. The program also calculates the Mortgage Insurance monthly payment amount. The formula used for this calculation is one-half-of-one percent (.5%) of the loan balance divided by twelve (12). Remember that the program calculates the two (2) month amount but you enter the actual amount the program uses. If your calculations methods are different, you can use your amounts. Once you go through the worksheet, you can change any of the entries and the program will recalculate the answers for you. If the results are satisfactory, you can print a completed worksheet and closing cost summary for your client. You also can save the data in a file for future revisions (either from the FHA Acquisition Worksheet or Sales/Purchase Worksheet). <2>FHA ACQUISITION WORKSHEET When you choose this option, the FHA ACQUISITION WORKSHEET will be presented, and you will be prompted for (either) a "Y" (yes) or "N" (no) entry. If you want to fill out a new worksheet press "Y" (yes). If you want to retrieve a saved file press "N" (no), and you will be prompted to enter a filename. Enter the filename, and the file will be retrieved and all the data will be entered to the worksheet screen. If you press "Y" (yes) the program will step through the following entries. <1>SALE PRICE The cursor will be blinking in the blank after <1> SALE PRICE. Enter the Sale price, any number from 1-9999999, then press ENTER. <2> INTEREST RATE The cursor will now be blinking in the blank after <2> INTEREST RATE. Enter the interest rate, in whole numbers from 1-50, then press ENTER. <3> YEARS FINANCED The cursor will now be blinking in the blank after <3> YEARS FINANCED. Enter the number of years the loan will be financed, in whole numbers from 0-50, then press ENTER. <4> TOTAL CLOSING COST The Allowable Closing Cost Worksheet will be displayed. The cursor is blinking in the blank next to origination. If the buyer is paying the origination fee, press "B". If the seller is paying the origination fee, press "S". One (1%) percent of the sale price will be calculated and displayed (to the right of your entry). The cursor will now be blinking next to SURVEY, press "B" for buyer or press "S" for seller, a blank will appear to the right of this entry. Type in the amount for the SURVEY cost, and press ENTER. The cursor will now be blinking next to APPRAISAL, press "B" for buyer or press "S" for seller, a blank will appear to the right of this entry. Type in the amount for the APPRAISAL cost, and press ENTER. The cursor will now be blinking next to ATTORNEY FEE, press "B" for buyer or press "S" for seller, a blank will appear to the right of this entry. Type in the amount for the ATTORNEY FEE cost, and press ENTER. The cursor will now be blinking next to CREDIT REPORT, press "B" for buyer or press "S" for seller, a blank will appear to the right of this entry. Type in the amount for the CREDIT REPORT cost, and press ENTER. The cursor will now be blinking next to RECORDING FEE, press "B" for buyer or press "S" for seller, a blank will appear to the right of this entry. Type in the amount for the RECORDING FEE cost, and press ENTER. The cursor is blinking in the blank next to TITLE INSURANCE, if the buyer is paying the TITLE INSURANCE, press "B". If the seller is paying the TITLE INSURANCE, press "S". The title insurance amount will be calculated for you, using the title insurance data stored in the file "Ptitle.dst". (You can change title insurance data from the system SET-UP MENU). THE ALLOWABLE CLOSING COST SCREEN WILL REMAIN DISPLAYED UNTIL YOU PRESS ENTER. WHEN YOU PRESS ENTER, THE FHA WORKSHEET WILL BE RE DISPLAYED. <5> MIP FINANCED (Y/N) The cursor will now be blinking in the blank after <4> MIP FINANCED (Y/N). If MIP is not financed, press "N", then press enter. If MIP is financed press "Y", then press ENTER. THIS IS A NEW ENTRY ITEM IN VERSION 1.3. <6> 2 MONTHS TAXES The cursor moves to a blank after <6>12 MONTHS TAXES. The entry "Name" changed, from two (2) months taxes, to twelve (12) months taxes. Enter the amount (in whole numbers from 1-99999) for the yearly cost of taxes. The program will calculate the two (2) months cost for you, then press ENTER (this item will show up as <18> (2) MONTHS TAXES in the Sale/Purchase Worksheet). <7>14 MONTHS INSURANCE The cursor will now be blinking in the blank after <6> 12 MONTHS INSURANCE, the entry "Name" changed, to 12 MONTHS INS, for this entry. Enter the yearly amount of the Insurance premium (in whole numbers from 1-99999), then press ENTER. The program will calculate the 14 MONTHS INSURANCE amount for you (this item will show up as <20>HZD INS. (14 mo) in the Sales/Purchase Worksheet). <8>2 MONTHS MIP A calculated amount (for 2 MONTHS MIP PAYMENTS) will display next to the two (2) months MIP entry blank. If this amount is correct, enter the calculated amount, in the blank. If you or your company uses a different method for calculating this amount, then enter your calculated amount. This amount is added to the other cost items and the Total Investment Total, includes this amount. (This item will show up as a <16>FHA/MIP ESCROW item in the Sales/Purchase Worksheet) <9> ESTIMATED TAXES The estimated monthly taxes (calculated from the 2 MONTHS TAXES entry) will be displayed under monthly payment. <10> ESTIMATED INSURANCE, The estimated monthly insurance (calculated from the 14 MONTHS INS.) entry will be displayed under monthly payment. THE PROGRAM JUST FINISHED ALL OF THE CALCULATIONS AND THE MONTHLY PAYMENT IS DISPLAYED. Also calculated, is the (Mortgage Insurance) monthly payment amount (included in the payment). The cursor will now be blinking in the <11>BUYER entry blank. <11> BUYER, ADDRESS, AGENT You can press ENTER to step through the BUYER, ADDRESS and AGENT blanks, or you can fill them out. IF YOU FILL THE OUT. The cursor will be blinking in the blank after Buyer, type in the Name of your client (30 characters or less), then press ENTER. The cursor will be blinking in the blank after ADDRESS, type in the Address of the property (30 characters or less), then press ENTER. The cursor will be blinking in the blank after AGENT, type in Your name (30 characters or less), then press ENTER. THE WORKSHEET IS COMPLETE. THE CURSOR IS NOW AT THE BOTTOM RIGHT OF THE SCREEN (AT THE SUB-MENU). <12>ADDITIONAL DOWN PAYMENT This entry is optional. If a Buyer is paying an additional down payment, enter "12" from the sub-menu, and fill in the amount, in the entry blank. This amount will be added to the FHA minimum down payment, and shows up as total DOWN PAYMENT in the Sales/Purchase Worksheet. </> + - / * CALCULATOR If you press / you can (add, subtract, multiply or divide) any two numbers. At the lower left of the screen a blank will appear, enter the first number you want to calculate, then press ENTER. Another blank will appear next to the last entry. Press either (+ to add, - to subtract, * to multiply, / to divide), you don't have to press enter. The cursor will move to a blank to the right of this entry, now enter the second number you want to calculate. Press ENTER, your answer will be displayed on the right side of The screen. <#> CHANGE To change an entry, press the number of the entry item (EXAMPLE: press "1", to change SALE PRICE, or press "12", to change ADDITIONAL DOWN PAYMENT). Each time you change an entry the worksheet recalculates completely. PRINT If you press "P" a Menu will appear, above the sub-menu. Type in "W", if you want to print the worksheet information, or type in "A" if you want to print the FHA allowable closing cost information. Remember, to turn your printer on before you press . Your printouts will look better if you set your printer to Letter Quality mode. <F> FILE Press "F" and you will be prompted at the bottom of the screen for another entry. Press "S" to SAVE a file or press "O" to OPEN a file. Type in the filename without any file extensions. <N>Netsheet If you press "N" you will be switched to the Sales/Purchase Worksheet. All the information from the FHA Worksheet will be transposed into the Sales/Purchase Worksheet. You can type in "FHA" from the Sales/Purchase Worksheet and return to the FHA Worksheet. <X> PAYMENT (VIEW or PRINT Amortization Schedule) If you press "X" you can view or print an amortization schedule. You will be prompted to enter (either) a "P" (to print) or "V" (to view). If you press "P" a complete amortization schedule will be printed on your printer. If you press "V" the amortization information will be displayed at the lower portion of the screen. You will need to press ENTER to step through (and VIEW) each monthly payment, for the complete term of the loan. When the last payment amortization information displays, the program will return to the worksheet SUB-MENU. <Q>QUIT If you press "Q", the program will return to the MAIN MENU CONTRACT WORKSHEET The Contract Worksheet allows you to enter all of the items, not included in the SALES/PURCHASE WORKSHEET. EASY AGENT will fill the blanks of the Contract Form, with all previously entered data. HOW TO USE <C> CONTRACT Press "C" and you will be prompted whether you want to fill out a Residential or Commercial Contract. Make your choice ("R" or "C"), and the you will be prompted if you want to prepare a new Contract (Y/N). If you press "N", the cursor will move to the sub-menu at the bottom of the Contract screen (you can make changes from the SUB-MENU). If you press "Y" the cursor will step through each of the following entries, until the worksheet is complete. RESIDENTIAL CONTRACT If you press "Y" for a new Contract, the cursor will be blinking in the blank after 1>LOT. Enter the Lot Number of the property, then press ENTER. (This entry will accept numbers or letters) COMMERCIAL CONTRACT If you press "Y" for a new Contract, the cursor will be blinking in the blank after 1>Property. Enter the property description in the blank and press ENTER. RESIDENTIAL CONTRACT The cursor will be blinking in the blank after 2>BLOCK, enter the block number of the property, then press ENTER. (This entry will accept numbers or letters) COMMERCIAL CONTRACT The cursor will be blinking in the blank after 2>Known as. Type in the description for this entry, then press ENTER. RESIDENTIAL CONTRACT The cursor will be blinking in the blank after 3>SUBDIVISION. Enter the subdivision name for the property, then press ENTER. COMMERCIAL CONTRACT The cursor will be blinking in the blank after 3>Consisting of. Enter the description for this entry and then press ENTER. RESIDENTIAL CONTRACT The cursor will be blinking in the blank after 4>PART. Enter the number for the subdivision part (from property description), then press ENTER. COMMERCIAL CONTRACT does not have a number 4> ENTRY. THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS The cursor will be blinking in the blank after 5>COUNTY. Enter the name of the county or parish, then press ENTER. THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS The cursor will now be blinking to the left of 7>FIRM. This entry and the next entry (APROX) pertain to the loan assumption entry. If this Contract is for a loan assumption use these entries. If this is not a loan assumption, do not fill in these entries. If the 8>ASSUME amount is correct, type X. If this entry doesn't apply to this Contract, press ENTER. When you print the Contract, the program will print the appropriate "X" in (either) the FIRM or APROX blank. THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS The cursor is now blinking in the blank after 8>ASSUME. Enter the loan amount the purchaser will be assuming, then press ENTER. THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS The cursor is now blinking in the blank after 9>DESCRIPTION. Enter the property description (58 characters max) as required, then press ENTER. THIS ENTRY DOES NOT APPEAR IN THE COMMERCIAL CONTRACT. The cursor is now blinking in the blank after 10>DESCRIPTION. Enter the property description (58 characters max) as required, then press ENTER. THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS The cursor is now blinking in the blank after 11>LEASE FEE. Enter "B" if the buyer is paying, or enter "S" if the seller is paying, then press ENTER. If neither is paying this fee, press ENTER, the entry will display "N/A". THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS The cursor is now blinking in the blank after 12>OTHER. Enter "B" if the buyer is paying, or enter "S" if the seller is paying, then press ENTER. If neither is paying this fee, press ENTER, the entry will display "N/A". The program skipped over the following items, ORIGINATE FEE, PREPAID, SURVEY, APPRAISAL, ATTORNEY, TRANSFER, LOAN TITLE INSURANCE, OWNER TITLE INSURANCE and PMI/MIP. To the right of each of these items the program marked the appropriate designation, either B, S or N/A, according to the values in the Sales/Purchase Worksheet. The program transferred the information from the Sales/Purchase Worksheet for you. When the program prints the Contract, the designation on the screen will be printed on the Contract Form. THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS. The cursor will be blinking in the blank after 13>CLOSING DATE. Type in any necessary comments (40 characters max), then press ENTER. The program entered the BROKER'S COMMISSION, into the worksheet for you. THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS. The cursor will now be blinking in the blank after 14>%LISTING COMMISSION. Enter the percent commission the listing agent is to receive, then press ENTER. THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS. The cursor will now be blinking in the blank after 15>%SELLER COMMISSION. Enter the percent commission the selling agent is to receive, then press ENTER. THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS. The cursor is now blinking in the blank after 16>INSURANCE PROVISIONS, type in any necessary comments, then press ENTER. THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS The cursor is now blinking in the blank after 17>SPECIAL PROVISIONS. This item consists of five (5) entries. Each entry coincides, with the items that appear on the Contract addendum. As you make a number (#) entry or press ENTER, the cursor will move across the screen to each five entry blanks. THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS The cursor will now be blinking in the blank after 18>PAGES. This item consists of one (1) entry. Type in the number of pages that will be attached to the Contract, then press ENTER. THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS The cursor is now blinking in the first blank after 19>PERSONAL PROPERTY REMAINING. Simply fill in the blank (40 characters max), then press ENTER. THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS The cursor is now blinking in the second blank 20>, for personal property remaining. Simply fill the blank (65 characters max), then press ENTER. THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS The cursor is now blinking in the third blank 21>, for personal property remaining. Simply fill the blank (65 characters max), then press ENTER. All three entries will be printed on the Contract Form, just as you typed them. COMMERCIAL CONTRACT 22>ADDITIONAL EARNEST MONEY This entry is for an additional amount of earnest money, to be included in the Contract, and it requires two entries. One for the additional amount, and the other for the number of days, before the additional amount will be in effect. This completes the Contract Worksheet and the cursor is now at the bottom of the screen, at the SUB-MENU. From the SUB-MENU you can change any of the entries or print a Contract. <#>CHANGE If you press the respective number, beside any of the items in the worksheet, you can change any previous entries. The following items (ADDRESS, DOWN, ORIGINATE FEE, APPRAISAL, SURVEY, ATTORNEY, TRANSFER FEE, LOAN TITLE INSURANCE, OWNER TITLE INSURANCE, PMI/MIP, BROKERS COMMISSION, LOAN AMOUNT, NET LOAN, MIP/VA FEE AMOUNT, PREPAID AND DEPOSIT) are transferred, from the SALES/PURCHASE WORKSHEET. If they are not correct, return to the SALES/PURCHASE WORKSHEET and change them, then return to the Contract Worksheet and complete your entries. PRINT press "P" and the program will print a complete Contract for you. Be sure you turned your printer on, and you may need to check Form alignment, to get the program to print in the proper blanks. Built in the program, is a "check Form alignment" feature. When you press "P", you will be prompted (at the lower part of the screen), for either a "Y" or "N" entry, to check Form alignment. If you press "Y" the program prints three (3) periods (.) across the top of the Contract Form. The first period should be directly under "1.", the second period should be at the beginning, of the "LOT" blank, and the third period should be at the beginning of, the "BLOCK" blank. After checking alignment and adjusting the Form, either press "Y" to check alignment again, or press "N" and print the Contract. When printing is complete you will be returned to the SUB-MENU. <Q>QUIT Press Q and you will return to the SALE/PURCHASE WORKSHEET. REMEMBER TO SAVE THE SALES/PURCHASE AFTER YOU <Q>QUIT THE CONTRACT WORKSHEET SCREEN. WHEN YOU SAVE YOUR SALES/PURCHASE WORKSHEET, ALL THE INFORMATION ENTERED IN THE CONTRACT WILL BE SAVED IN THE SAME FILE. The Contract Forms (CONTRACT FOR SALE OF REAL ESTATE, Form 7 and COMMERCIAL PROPERTY CONTRACT, Form 21), (included in the EASY AGENT package) are copyrighted by K. F. Boackle, atty., Jackson, MS. SYSTEM SET UP When you choose this option from the Main Menu the System Set Up screen displays. From this screen you can change the Title Insurance Data, view the data stored in previously saved files, and change the hardware configuration (monitor and printer). HOW TO CHANGE TITLE INSURANCE DATA When you press the number "1" the Title Insurance data entry screen, is displayed. The Easy Agent program calculates the title insurance amounts for you, using this data. The screen will display the previously entered data, and then it will prompt you to enter the new Title Insurance rates. The calculations made by Easy Agent, are based on the loan amount. The rates are for four (4) categories (0 to 100000, 100000 to 500000, 500000 to 1000000, 1000000 to 10000000). The program uses rates and decides, which rate applies, and the amount the rate applies too. This data file, is named "ptitle.dst". The program uses the stored data for its calculations. The Sales/Purchase Worksheet simply prompts you for a "Y" (yes) or "N" (no) entry. If you enter "Y" the program will calculate the title insurance costs. Since Title Insurance rates are normally different, for the Owner and Buyer, the program uses this information in the Contract Worksheet also. HOW VIEW SALES/PURCHASE WORKSHEET FILES Press "2", and a list of files on your disk will be displayed, across the top of the screen (note: these filenames show the file extension after the name). At the screen prompt (at the bottom of the screen), you can enter the name of the file, you want to view. Type in the filename (name only, do not enter the extension), and press ENTER. The program will display the worksheet for this file. This feature, is added as a convenience only, sometimes you may want to preview the stored data, to insure you retrieve the correct file. HOW TO VIEW FHA ACQUISITION WORKSHEET FILES Press "3", and a list of files on your disk will be displayed, across the top of the screen (note: these filenames show the file extension after the name). At the screen prompt (at the bottom of the screen), you can enter the name of the file, you want to view. Type in the filename (name only, do not enter the extension), and press ENTER. The program will display the worksheet for this file. This feature, is added as a convenience only, sometimes you may want to preview the stored data, to insure you retrieve the correct file. HOW TO SET DISPLAY COLOR OPTIONS When you press "4", you will be prompted (below the SET UP MENU), for (either) a "1" or "0", for the type (MONOCHROME OR COLOR) monitor you have connected to your system. When you enter your choice, the prompt will clear and you can (either) press "Q", or change any other option from the SET UP MENU. HOW TO SET PRINTER OPTIONS When you press "5", you will be prompted (below the SET UP MENU), for (either) a "1" (for IBM proprinter emulation) or "0" (for LQ- 2500 emulation). NOTE: review you printer manual, to decide the type emulation for your printer. Most dot matrix printers on the market today are capable (of one or the other), of the above types of emulation. When you enter your choice, the prompt will clear and you can (either) press "Q", or change any other option from the SET UP MENU. EASY AGENT SUPPORT Press "6", and you will be presented with details about Software support. The program displays Information about registration and license, how to contact the author, and how to contact the ASP. "Q" Quit, when you press "Q" you will return to the Main Menu. EASY AGENT 1.3 REAL ESTATE PROGRAM FOR THE BUSY AGENT Author: Thomas W. Boyd d/b/a PRACTICAL PROGRAMS Member: Association of Shareware Professionals (c) Copyright 1990, 1991, Thomas W. Boyd Address: 97 Greenbrook, Brandon, MS. 39042 (601) 825-4926 Shareware is a distribution method, not a type of software. You should find software that suits your needs and pocketbook, whether it's commercial or Shareware. The Shareware system makes fitting your needs easier, because you can try before you buy. And because the overhead is low, prices are low also. Shareware has the ultimate money-back guarantee, if you don't use the product, you don't pay for it. With registration of EASY AGENT, you get one (1) Original program diskette (on 3 1/2 or 5 1/4 disk, whichever specified at time of order), a program manual, notification of upgrades, and (90) days free software support. The only limitation on the software support is a one (1) hour limit on phone support. The Program disk contains the following files. Agent.exe.....Easy Agent program file Agent.ini.....program initialization file Agent.dat.....program data file Install.bat...hard disk installation file Finstall.bat..floppy disk installation file Agent.net.....sample Sales/Purchase and FHA file Ptitle.dst....title insurance data file Lagent.exe....setup initialization file Readme.doc....how to start and install program Update.doc....outlines changes made to version 1.3 Manual.doc....Complete users manual in ASCII format Vendor.doc....Program Description, Packing list, BBBs File Name(s) Vendor File Name(s), Keywords, Category, Program Name Title, Short description, Long description, Distribution info and Author information. Copyright laws apply to both Shareware and commercial software, and the copyright holder retains all rights, with a few specific exceptions as stated below. Shareware authors are accomplished programmers, just like commercial authors, and the programs are of comparable quality. (In both cases, there are good programs and bad ones!) The main difference is in the method of distribution. The author specifically grants the right to copy and distribute the software, either to all and sundry or to a specific group. PRACTICAL PROGRAMS requires written permission before a commercial disk vendor may copy this Shareware. DISCLAIMER -AGREEMENT Users of EASY AGENT must accept this disclaimer of warranty: EASY AGENT is supplied AS-IS. The author disclaims all warranties, expressed or implied, including, without limitation, the warranties of merchantability and of fitness for any purpose. The author assumes no liability for damages, direct or con-sequential, which may result from the use of EASY AGENT. SHAREWARE EASY AGENT is a shareware program, and is provided at no charge to the user for evaluation. Feel free to share it with your friends, but please do not give it away altered or as part of another system. The essence of user-supported software is to provide personal computer users with quality software without high prices, and yet to provide incentive for programmers to continue to develop new products. If you find this program useful and find that you are using EASY AGENT and continue to use EASY AGENT after a reasonable trial period (60 days), you must make a registration payment of $40.00 to Thomas W. Boyd, d/b/a PRACTICAL PROGRAMS, 97 Greenbrook, Brandon, MS. 39042. The Real Estate business continually changes and It is my goal to change with the business. As things change there will be improvements and additions to the program. Registration will insure you that you have the latest and most up-to-date program for Real Estate transactions. ASSOCIATION OF SHAREWARE PROFESSIONALS Ombudsman policy "This program is produced by a member of the Association of Shareware Professionals (ASP). ASP wants to make sure that the shareware principle works for you. If you are unable to resolve a shareware-related problem with an ASP member by contacting the member directly, ASP may be able to help. The ASP Ombudsman can help you resolve a dispute or problem with an ASP member, but does not provide technical support for members' products. Please write to the ASP Ombudsman at 545 Grover Road, Muskegon, MI 49442- 9427 or send a Compuserve message via Compuserve Mail to ASP Ombudsman 70007,3536." "The OMB may be contacted by FAX by sending to the ASP FAX number: (616) 788-2765. In communication with the OMB please include a telephone number or FAX if available." REGISTRATION FEE The $40.00 registration fee will license one copy for use on one (1) desk-top computer and one (1) Laptop at any one (1) time. You must treat this software just like a book. An example: this software may be used by any number of people and may be freely moved from one computer location to another, while there is no possibility of it being used at one location while it's being used at another. Just as a book cannot be read by two different persons simultaneously. Commercial users of EASY AGENT must register and pay for their copies of EASY AGENT within 30 days of first use or their license is withdrawn. Site-License arrangements may be made by contacting PRACTICAL PROGRAMS, 97 Greenbrook, Brandon MS. 39042. AUTHORIZATION FOR DISTRIBUTION Anyone distributing EASY AGENT for any kind of remuneration must first contact PRACTICAL PROGRAMS, 97 Greenbrook, Brandon MS. 39042. This authorization will be automatically granted to distributors recognized by the (ASP) as following its guidelines for shareware distributors, and such distributors may begin offering EASY AGENT immediately (However PRACTICAL PROGRAMS must still be advised so that the distributor can be kept up-to-date with the latest version of EASY AGENT). You are Encouraged to pass a copy of EASY AGENT along to your friends for evaluation. Please encourage them to register their copy if they find that they can use it. All registered users will receive a copy of the latest version of the EASY AGENT program and will receive notification of any future upgrades.