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Bottom Line Software Financial Software Business Products P.O. Box 1804 Burleson, Texas 76028 817-447-5524 June 1989 Bottom Line Software has been providing lenders and borrowers with quality computer software since 1974. It is designed and developed by bankers with hands on experience in all phases of lending, bank operations and management. PCLOAN4 - LOAN AMORTIZATION SYSTEM PCLOAN4 has been in development for five years. During that time, features have been added continuously at the request of hundreds of active professional users. COMPUTERS IN ACCOUNTING magazine says "PCLOAN is the best example of the hundreds of financial programs." o 1,2,3,4,6,12,13,24,26,52 payments per year, up to 9999 payments. o Change interest rate or payment amount at any payment date. o Interest only payments at any time. Skip any payment. Balloon any payment. o Payment amount and interest payments are rounded to exact cents. No rounding errors. See special report below to check rounding accuracy. o Negative amortization option. o Edit a previous schedule to change one item without reentering all the loan data. Do what if, calculations. Or clear all variables and start over. o Partial schedule. For example print payments 300 to 312 of a 30 year loan. o Odd days interest on first payment. Simple interest only. o You can customize your schedules with the name of your company. o Payments can be either constant periodic payment or constant periodic principal payment plus all accrued interest. o The program will either compute the correct payment for you or at your option will attempt to use any payment you give it. o Rule of 78ths loans. Amortization schedule or rebate schedule. Rebate only calculation with out waiting on schedule. o Total interest and principal paid each fiscal or calendar year. o Optional interest computation basis. 360/360; 365/360; 365/365. The interest basis can be preset and remembered so you will not have to depend on an employee to remember to reset it each time. o Loan calculator. Calculate amount, payment, number of payments, or (APR) for any loan, simple interest or rule of 78ths and rebates on credit life or A&H. o FASBY 91 amortization of loan origination fees. (Requires 132 col printer) MORTGAGE COMPARISON & REDUCTION STRATEGIES List annual results of five mortgages or five prepayment strategies in parallel columns on a single page. You can determine immediately which mortgage or strategy costs less or is is best for you for some other reason. This program is designed for professionals and allows completely customizable headers on the reports. ZCALC - REG Z CONSUMER INSTALLMENT LOAN CALCULATOR ZCALC is a consumer loan calculator. It calculates precomputed, rule of 78ths consumer installment loans. ZCALC runs on your IBM-PC or compatible computer. You can have a copy for each officer or secretary who has access to a PC. Much more convenient and affordable than buying additional calculators. Your license agreement allows you to make as many copies as you need for use in your own shop. ZCALC computes odd periods to first payment, balloon payments, and the true Annual Percentage Rate. The lender's version also calculates the credit life and A&H premiums. The consumer version allows manual entry of the insurance premiums so the consumer can check the lenders disclosure statements. Do "what if" calculations. What if the period is extended six month? What if the A&H is omitted? What if I charge one origination point? Simply change the rate or the payment amount or the amount financed or add or delete points or fees, or anything else, and see "what happens" instantly. When you get what you want on the screen, simply print the report. Borrowers! Not all lenders use ZCALC. Don't make the mistake of depending on them to calculate accurately. Check them out. REVOLVING LOAN SCHEDULE, "INTEREST CHECKER" We are frequently asked "Do you have a program to check the interest on a loan that has irregular payments, or perhaps more than one advance?" The answer of course, is "Yes!" INTEREST CHECKER was originally developed for banks to check their computers and for them to prepare printed statements for customers who dispute the amount of interest they have been charged. It seems however the borrowers are more interested in checking their lender's computers than are the lenders. With INTEREST CHECKER, you can check interest exactly the way the bank computes it. Exact days between dates and either 360 or 365 day divisor. Payments may be made on any date and for any amount. Payments may be interest only or principal only. Interest may be overpaid or under paid. Advances, increases in the principal, may be made on any date. The interest rate may be changed on any date. Absolutely no structure is imposed. Payments may be made on any date and for any amount. Payments may be interest only or principal only. Interest may be overpaid or under paid. Advances, increases in the principal, may be made on any date. The interest rate may be changed on any date. You enter the date of every transaction. Transactions can be the same day or any number of days apart. At any transaction, you can enter either a principal advance, an interest only, principal only, or interest plus principal payment. Payments can be for any amount. For variable rates, you can change the rate at any date. For loans that have a regular payment schedule, the regular payments are "entered" by the software. In short, If you can do it with an analysis pad, a pencil, and a calculator, you can do it quicker and more accurately with this program. REVOLVING LOAN SCHEDULE computes the days between dates, the interest amounts accrued, paid, and unpaid, and remaining to be paid. COMMERCIAL LOAN APPLICATIONS Many of our customers who know of our banking background frequently ask, "What is wrong with the banks these days? They used to be so friendly and so eager to do business and lend money, today all you hear is '...more information...'. Many of them don't even want deposits any more.". The answer is simple to state, but difficult to overcome. They are scared! Especially in the Southwest. Their losses have been much greater than normal and they have been severely over regulated in the usual government belief that more paper work will result in fewer errors in judgement. We all know that the banks have made too many errors in judgement. Not everyone agrees that more paper work will fix the problem. In the mean time, the small to medium size business person is caught in the middle. You know what the lender wants to see in a loan application, don't you? Well probably not. If there is one thing upon which most lending officers agree, it is that nine of ten loan applications from small businesses are not just incomplete, but usually no more than spur of the moment requests. When a lender to seriously consider your loan request, you must demonstrate that you have done some real planning. We offer a partial solution, COMMERCIAL LOAN APPLICATIONS, HOW AND WHY by Bottom Line Financial services, condenses the experience of 25+ years of commercial lending experience in approving commercial loans for bank holding companies into a concise report that tells you what the lender wants to see and why he wants to see it. This report will not guarantee your loan will be approved, but if you follow the guide, it will result in far fewer headaches much faster turn around and fewer requests for "...more information...". COMMERCIAL LOAN APPLICATIONS, HOW AND WHY is not software, it is not on disk. It is a 40+ page, printed report complete with checklists. SPREAD SHEET One of the things stressed in the commercial loan application report is the importance of properly presenting financial information. If you find it too expensive to have your CPA prepare loan applications, we offer another business loan solution. If you prepare your own financial statements and your own loan applications, you are aware of how much time it takes. You may not be aware, however, that in many cases, the bank's loan officer, or in very large banks, the bank's credit analyst, spends just as much time studying and spreading your statements, as you did preparing them. Spreading, means placing successive balance sheets and income statements side by side on the same sheet of paper, so trends can easily be spotted. You also know that the job that takes two hours uninterrupted concentration can take a week to finish in a real business office. You can eliminate this part of the delay in loan approval by spreading your own financial statements. If you prepare them, you understand them and can do this in much less time than the loan officer or the credit analyst. Spread III is a Lotus spread sheet template that allows you to spread as many years, or quarters or months as your computer will hold. It calculates all the ratios the loan officer will need and presents them in a format that allows instant comparison from one year to the next, and with the industry averages published by Robert Morris and Associates, a nationwide training organization known and respected by every bank lending officer. Using this template to present your financial data will not guarantee your application will be approved but it will guarantee the decision will be made much quicker. Periods are added and deleted automatically by the program. Each spread sheet has several blank lines for limited customization. This is not a free standing program, It is a LOTUS 123 template and LOTUS 123 is required to use it. LOAN MASTER LOAN ACCOUNTING SOFTWARE This is a complete loan accounting system. It works just like the bank's. It will keep a permanent record of every transaction for any simple interest loan. Rule of 78ths is not supported, but will be added if anyone requests it. LOAN MASTER will account for one loan or as many as your disk will store. If you buy or sell loans, or if you lend money, or if you sell your product and provide financing, this is the software product you need. The will be due billing notices and the immediate detection of and notices for past due customers shows them you are serious about collections. LOAN MASTER keeps up with the current balance, the interest accrued, interest and principal due and unpaid, past due status, interest paid and interest paid year to date, late charges due and paid or unpaid and everything else you need to know about the status of the loan. LOAN MASTER calculates interest just like the bank, it accrues one day's interest every day on the unpaid balance. You may specify either 360 or 365 day basis. You DO NOT need to run this program every day to accrue interest daily. If you miss a few days, or a month, it will catch up for you. LOAN MASTER prints past due and will be due notices, trial balances, past due reports, year end interest statements. If you are using an amortization program to keep up with more than one loan, you need LOAN MASTER. LOAN REVIEW WATCH LIST II Watch list II is a watch list program suitable for the most discriminating credit administration officer. It records information for each loan entered on the watch list and then reports totals by customer. Watch list II also provides two levels of "watch" that can be user defined, (or simply ignored). In addition to normal watch list reports, Watch list II provides a history report which shows the improvement in each line over time (or lack of improvement!). The following information is recorded and displayed by this program: Customer name Customer no Loan number Original amount Current bal Amt part purch/sold Amt partial CO Net balance Value collateral Amt unfunded Loss exposure Amount pass Amt OAEM Amt Substd Amount Doubt Amount loss Specific res Int accrued Accrual status Originating ofc Servicing OfficerReview officer Purchased from Sold to Collateral code Collateral desc. Relationship Date of note Date on list Interest to date Prin pd to dateDate update Grade at orig Grade now Classified by Basis class Amt watch I Amt watch II Textual comments. LOAN DOCUMENT TRACKING The basic loan documentation tracking system is a computerized ticker system which will keep track of almost any document or event. This program keeps track of individual documents and other customer contacts by date and prints reports to the officer or loan secretary to request these documents. The program is completely menu driven and is quite easy for your loan secretary or your loan closing officer to use. Alternatively, your loan department could prepare document exception forms and any clerk could input the data and print the report. The program stores documents and a reminder of what action is required, when is it required, and when to remind you to initiate the action. Doctrac provides these reports: 1) List of all documents by officer. 2) List of all documents by customer. 3) List of all documents by document type code. 4) List of all documents which have been waived. 5) List of all documents which have reached expiration date. 6) List of all missing documents. 7) Officer reminder list. (Exception list) OFFICIAL CHECKS This application is designed for use on an IBM PC or compatible computer and with any printer to exercise a greater degree of control over the issuance of official checks and money orders. Audit procedures are greatly simplified. Control is exercised by requiring either strict numerical issuance of checks or optionally by allowing a slight variance from strict numerical order. Passwords and dollar limits are assigned to each employee. Both the password and the dollar limit are checked before printing the check. Accounting employees may be denied authority to issue checks. Checks are typed on the computer screen. Errors are corrected before printing the check. Any check issued on the system can be found and displayed on screen in seconds. The data base can be searched by remitter, payee, amount, or date of issue. A system administrator with a unique password is the only employee who is allowed to change the data entered by employees. This same system administrator sets up employee codes, passwords, and dollar limits. The simplest application issues the checks on the machine that holds the main data base. Optionally checks may be entered at remote locations and the transactions accumulated at the master data base. Transactions are transferred on floppy disk. Official Check reports available are: 1) Daily report of checks issued, spoiled, and missing. 2) Daily report of fees collected and waived. 3) Daily report of checks outstanding should balance to general ledger. 4) Missing checks reported daily. (Obviously NO checks should be missing!) 5) Report of checks cleared since any date. On demand. 6) Custom reports available on request. LOTUS TEMPLATES If you are interested, request a separate listing of Lotus 123 templates. SHAREWARE DISKS What is a shareware disk? Shareware is a relatively new software marketing concept. It began shortly after the introduction of personal computers. Shareware is the ultimate money back guarantee. You get the software, you try it out, if you like it, you pay for it. If you don't like it, (and decide not to use it) you don't pay for it. Shareware is distributed entirely on disk. The manual is on the disk. You print it on your printer or read it on your monitor. There is no box, no book, no three ring binder. You are authorized, in fact encouraged, to make copies of the disk and distribute them to anyone you know. The programs are not copy protected and may be installed on your hard disk. Shareware programs vary from severely limited demonstration programs to complete fully functional programs. Most shareware programs use some incentive to encourage users to register with the publisher and pay for their copy. The incentives usually include a new copy of the very latest version of the program and most cases a printed manual. Our shareware disks are full featured version of the real program. They do include features to encourage you to register and pay for your copy if you use it but they are not limited. Shareware disk prices: PCLOAN4 9.95 ZCALC 9.95 LOAN MASTER 9.95 PCSHIFT 9.95 INTEREST CHECKER 9.95 TWO OR ALL OF THE ABOVE 14.95 DEMONSTRATION DISKS Demonstration disks are available for the following products: AMORTIZE IV $19.95 Includes: ZCALC REVOLVING LOAN SCHEDULE LOAN REVIEW SPREAD SHEET I & II N/A LOAN REVIEW WATCH LIST I 19.95 LOAN REVIEW WATCH LIST II 19.95 LOAN DOCUMENT TRACKING I 19.95 OFFICIAL CHECKS 19.95 Demonstration programs are complete versions of the real programs. They are the same as the programs you will receive if you decide to purchase. They are not copy protected and may be installed on your hard disk. They come with a complete operations manual. The only difference is that the reports will be limited in the amount of data they can handle. Any data files you construct using the demonstration programs will still be usable when you receive the live programs. The demonstration program for the two Lotus spread sheets, LOAN REVIEW SPREAD SHEET I & II are not actual Lotus spread sheet templates. It is a free standing program which will show you how your screens and reports will look but it will not allow you to enter data or create real files or reports. ADDITIONAL INFORMATION, SAMPLE REPORTS It is not feasible to provide a sample of every report produced by all Bottom Line programs. Sample reports will be provided upon requests for specific applications. If you want to see complete examples of every report produced by an application you will need to order the Demo disk. CUSTOM PROGRAMMING Bottom Line Software has been providing custom designed software for lending and depository institutions since 1974. Custom reports and or programs are available.