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L O A N P M T Version 1.2 U S E R ' S G U I D E Data Language Systems LOANPMT Version 1.2 Copyright (C) 1989-1991, Data Language Systems Table of Contents Page System requirements..........................................1 Introduction.................................................1 LOANPMT 1.2 Enhancements.....................................2 LOANPMT distribution files...................................2 QUICK START..................................................3 Installing LOANPMT...........................................4 Single or dual floppy systems.............................4 Hard disk systems.........................................6 Using LOANPMT................................................7 On-line help..............................................7 EXITING LOANPMT...........................................7 Overlays and LOANPMT.OVR.....................................7 LIM EMS support..........................................11 Data entry..................................................11 Program control features....................................12 Direct Data Field Access (JUMP).............................14 Compute menu................................................14 Data Entry Fields...........................................15 Loan Company.............................................15 Borrower.................................................15 Comment..................................................15 Payment schedule.........................................16 Loan principal...........................................16 Additional loan costs....................................16 Loan points charged......................................16 Deferred principal.......................................17 Annual percentage rate (%)...............................17 Duration of loan.........................................17 Number of payments already made..........................17 Payment..................................................18 Date of first payment (MM-DD-YY).........................18 Amortization table.......................................19 Loan payoff summary......................................19 Printing an Amortization Table..............................20 Displaying an Amortization Table............................21 Saving an Amortization Table................................22 Saving Loan Data............................................23 Loading Loan Data...........................................23 Printing a Loan Payoff Summary..............................24 Displaying a Loan Payoff Summary............................25 Saving a Loan Payoff Summary................................26 Loan Payment example........................................27 Loan Payoff example.........................................32 Program History.............................................35 Program Enhancement Requests (How to Receive a Free Program Upgrade).....................36 Reporting LOANPMT Bugs (How to Receive a Free Program Upgrade).....................37 Software License............................................38 User Support................................................39 A note about SHAREWARE......................................40 Disclaimer..................................................41 Other Data Language Systems SHAREWARE Programs..............42 User Registration Form......................................44 Invoice.....................................................45 i LOANPMT Ver 1.2 Page 1 If you wish to dispense with all the details, and get up and running LOANPMT as quickly as possible, jump forward to the section titled "QUICK START" in this manual. SYSTEM REQUIREMENTS To use LOANPMT you must at least have the following: IBM PC, XT, AT, PS/1, PS/2 or a 100% compatible computer. 128K of free RAM. PC-DOS or MS-DOS Version 2.0 or higher. One floppy diskette drive (min.), hard disk (optional). Monochrome monitor. Optional hardware supported: Color monitor - if a color monitor is detected, full color displays will be provided. Printer - up to three printers are supported (to print amortization tables and loan payoff summaries, but not required if you do not wish to make these printouts). The parallel ports 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. IBM, PC-DOS, PC, XT, AT, PS/1, and PS/2 are registered trademarks of the International Business Machines Corporation. MS-DOS is a registered trademark of Microsoft Inc. INTRODUCTION LOANPMT is a multi-functional loan calculation program. Via a selection menu, principal, APR, term (duration), payment, or loan payoff can be separately computed. The selected computed field is updated (re-computed) 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 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. If you are using this program for a loan planning tool, then be aware that for various reasons the results of this program can vary from the actual amounts that may be charged by different lenders. There can be other hidden costs and slightly 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 LOANPMT Ver 1.2 Page 2 INTRODUCTION (Continued) you will be charged for a given loan. The right time to ask questions and demand explanations is before you sign anything, especially if a loan agency tries to charge you a payment that is higher than what you have computed with this program. By U.S. federal law, you are entitled to a full explanation of all loan costs, etc. VERSION 1.2 ENHANCEMENTS Version 1.2 provides the following enhancements over Version 1.1: 1. Printer compatibility improved: By fixing a bug involving incompatibility with Epson LQ-510 printers, minor enhancements were made that should eliminate any printer compatibility problems with Epson and IBM compatible printers. 2. File load bug fixed: LOANPMT will now load loan data files created by all versions of LOANPMT. 3. More pop-up menus and dialog boxes added: For printing, file saving, and file loading, pop-up windows and dialog boxes have been added to make the program easier and more intuitive to use. 4. Other minor file and error handling enhancements added. LOANPMT DISTRIBUTION FILES The following files are contained on the distribution disk: LOANPMT.EXE - Executable LOANPMT program. LOANPMT.OVR - LOANPMT program overlay files. LOANPMT.DOC - Documentation for the LOANPMT program (this file). INVOICE.DOC - Registration & Invoice forms. QKSTART.DOC - QUICK START documentation. 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 typeout README.TXT. LOANPMT Ver 1.2 Page 3 QUICK START This section is for the PC user who doesn't want to wade through all the program documentation. The experienced PC user will find that the LOANPMT program is very intuitive to follow and thus very easy to learn and use. It is most likely that the majority of users will only need to read this section and utilize the on-line help (F1) to become proficient in using LOANPMT. If you will be running the program from floppy disk, it is recommended that you copy the program files LOANPMT.EXE and LOANPMT.OVR to another floppy disk and run the program from it. If you will be using a hard drive, then we recommend that you copy these files to a directory named \LPMT. If you need further help setting up the program, see the section titled "Installing LOANPMT" in the manual. From the drive (and directory) the program files reside, key in LOANPMT at the DOS prompt and press ENTER. The initial LOANPMT screen will appear. Press ENTER again and the data entry screen will appear. To exit the program at any point and return to DOS, simply press the ESC key until the "return to DOS" message appears at the bottom of the screen. Then key in Y (for yes) and press ENTER. Use the ENTER, TAB, SHIFT TAB, UP ARROW, and DOWN ARROW keys to move between LOANPMT's data entry fields. Simply enter the appropriate value in each field. The currently selected compute field is displayed near the upper left area of the screen and is updated and redisplayed on the screen each time a new data field is entered. To change the computed field, simply press F10 and select a new compute field from the pop-up menu. The program's JUMP feature is very handy for moving the cursor directly to any data entry field. Press Ctrl+J (hold down the Ctrl key and press the J key at the same time) and you will notice that the symbol ^J will be flashing in the upper LH corner of the screen. Now press F1 to see the on-line help about the JUMP feature. Press ESC to exit the help screen and ESC to exit the JUMP feature. The data that is currently on the screen can be saved to disk by pressing the F2 key. A dialog box will appear for you to key in the filename for the data file. LOANPMT supplies its own file extension of ".PMT" for data files. Previously saved data files can be loaded by pressing the F3 key. Again a dialog box will appear. You can key in a known filename or enter wildcards to access a file selection menu. A sample data file named EXAMPLE1.PMT is on the distribution LOANPMT Ver 1.2 Page 4 QUICK START (Continued) disk. Place the distribution disk in drive A, key in A:* in the dialog box, and press ENTER to see a selection menu. Amortization tables (and loan payoffs if Payoff is selected via F10) can be printed, saved, or displayed. Press Ctrl+J A to JUMP to the field for selecting program output. Then press RIGHT ARROW or LEFT ARROW until the type of output you desire appears in the prompt. Results saved to disk are ASCII (text) files and can be edited and printed the same as any ASCII file. All of 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 so the files listed in the previous section are contained on a single floppy disk. If you do not have all the files listed, then you have an unauthorized copy of LOANPMT. To receive an authorized copy of LOANPMT with the latest version of all the distribution files, you may order one directly from Data Language Systems for $5.00. (Add $2.50 shipping and handling for shipments to U.S., $3.50 to Canada and Mexico, or $5.00 for all other locations.) Simply fill out and mail the Invoice in this manual or in the file INVOICE.DOC. Or, if you wish to use MasterCard or Visa, you may call Data Language Systems at the phone number listed on the Invoice. TO INSTALL LOANPMT ON A SINGLE OR DUAL-FLOPPY SYSTEM: First you need to create a bootable (system) disk from a new diskette. Then you need to 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 If you have a dual-drive system, place a new (blank) diskette into drive B, and press ENTER when you are prompted to do so on the screen. LOANPMT Ver 1.2 Page 5 INSTALLING LOANPMT (Continued) If you have a single-drive system, insert your new diskette into the drive when you are prompted to "insert new disk for drive B." After you have removed your system disk and your new disk is in the drive, press ENTER. Follow any instructions that may appear on the screen. When the format is complete, your new disk will be formatted and it will also contain a copy of your operating system (DOS) so your computer can be booted from it. Note If you prefer to use another disk formatter other than the one on your DOS disk, be sure to consult its documentation. If it cannot put the system files on the diskette, you will have to place your DOS disk into drive A and issue the following commands: SYS B: COPY COMMAND.COM B: Label the new disk: LOANPMT Ver 1.2 SYSTEM DISK 2. Place your disk with the LOANPMT distribution files on it into drive A. If you have a dual-drive system, place your new LOANPMT SYSTEM DISK into drive B. Now issue the command at the DOS prompt: COPY A:LOANPMT.EXE B: If you have a single-disk system, follow the prompts that appear on the screen. Keep in mind; though, 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. 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- LOANPMT Ver 1.2 Page 6 INSTALLING LOANPMT (Continued) drive and dual-drive users should proceed as described above and issue the following command: COPY A:EXAMPLE1.* B: Your diskette labeled LOANPMT Ver 1.2 SYSTEM DISK is now a bootable disk that contains the necessary files to run LOANPMT. TO INSTALL LOANPMT ONTO A HARD DISK SYSTEM: First you need to create a subdirectory off of the root directory named LPMT (or whatever else you choose). Then you need to 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), skip to step #2. Assuming that your hard disk is configured as drive C, use the following commands at the DOS prompt: 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: COPY A:*.* C:\LPMT NOTE: If you do not wish to copy all the distribution files onto your hard disk, then 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 It is also recommended, but not required, that you copy the example files to your hard disk by issuing the following command: COPY A:EXAMPLE1.* C:\LPMT You now have all the LOANPMT files in the directory C:\LPMT (or other subdirectory of your choice), and you are now ready to run the LOANPMT program. LOANPMT Ver 1.2 Page 7 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 then start execution and the initial LOANPMT screen with the copyright notice, etc. will appear. At this point you may: 1. Press ENTER (or optionally TAB) to proceed with the program. 2. Press the F1 key to see a brief help screen. 3. Press the ESC key to terminate the program. ON-LINE HELP At any point in the LOANPMT program, on-line case-sensitive help can be obtained by pressing the F1 key. From within any help screen, pressing F1 again will give another help screen describing all the line editing features supported during data entry. EXITING LOANPMT To exit LOANPMT from any point in the program and return to DOS, press the ESC key until the following message appears at the bottom of the screen: OK to QUIT LOANPMT and return to DOS? Enter Y to quit and return to DOS, or answer N 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 the LOANPMT program's functions are contained in the program overlay file LOANPMT.OVR. An overlay file simply contains portions of the program's executable program code. LOANPMT is constructed so the following program features are performed by the overlay file: 1. Most on-line help (activated by pressing the F1 key). 2. Saving Loan Data (activated by pressing the F2 key). 3. Loading Loan Data (activated by pressing the F3 key). 4. Printing, displaying, and saving an Amortization Table. 5. Printing, displaying, and saving a Loan Payoff Summary. All other program functions (especially the computations) are performed without the overlay file. LOANPMT Ver 1.2 Page 8 Overlays and LOANPMT.OVR (Continued) 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. 1. Press ENTER to continue, or ESC to quit! No EMS RAM was detected and the overlay manager has been successfully initialized to disk. 2. LOANPMT.OVR loaded to EMS. Press ENTER to continue, or ESC to quit! 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! ENTER to continue, ESC to quit! EMS RAM was detected, but failed to initialize. The overlay manager was then successfully initialized to disk. If you receive any one of the three messages shown, the overlay manager has successfully initialized and the overlay functions listed will be available in LOANPMT. If the overlay manager fails to initialize, any of the following four error messages can appear at the bottom of the initial LOANPMT screen. 1. OVERLAY MANAGER ERROR (LOANPMT.OVR unavail)! ENTER to continue, ESC to quit! This error most usually means that LOANPMT.OVR probably exists, but is invalid or corrupted. If this happens, you must re-install LOANPMT.OVR from the distribution disk. 2. FILE: LOANPMT.OVR not found! Press ENTER to continue, ESC to quit! 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 functions listed. 3. Not enough memory for Overlay files! Press ENTER to continue, ESC to quit! 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 System Requirements section of this manual to initialize the overlay manager. Normally this LOANPMT Ver 1.2 Page 9 Overlays and LOANPMT.OVR (Continued) error means a lot of 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) Press ENTER to continue, ESC to quit! An I/O error has occurred while LOANPMT.OVR was being loaded. This error can mean anything from a harmless 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). If ENTER is pressed after any of these errors has been received, the program will continue and you can compute loan payments, payoffs, etc. If any of the overlay functions listed on the previous page are attempted, though, you will hear a beep and the following error message will appear at the bottom of the screen: LOANPMT.OVR not found! Requested program function UNAVAILABLE! and a brief help screen will appear explaining the error that has occurred. You will also notice that on the top line of the help screen it will say: Overlay Manager not initialized! If PageDn is pressed, a second help page will be displayed explaining what you must do to make the overlay program function available. These steps are: 1. If you still wish to perform an overlay program function, you must first terminate the program by pressing ESC, then: a. On a single- or dual-disk floppy system. Insert a floppy disk that contains both the files LOANPMT.EXE & LOANPMT.OVR. b. On a hard disk system, install a copy of the file LOANPMT.OVR in a directory that will always be in the path when LOANPMT is running. The best way to achieve this is to copy LOANPMT.OVR to the same directory as LOANPMT.EXE. Then re-start LOANPMT. 2. To continue LOANPMT without performing the requested overlay function, simply press ENTER and proceed with the program. 3. To exit LOANPMT, press ESC. LOANPMT Ver 1.2 Page 10 Overlays and LOANPMT.OVR (Continued) On a single- or dual-floppy disk drive system, if you start the program and everything starts correctly (i.e. the overlay manager initializes and you do not receive the overlay error message at the initial LOANPMT screen) and you then remove the floppy disk containing LOANPMT.OVR, you will receive the following error if any of the previously listed program functions performed by the overlay are requested: LOANPMT.OVR not found! Requested program function UNAVAILABLE! and a brief help screen will appear explaining the error that has occurred. You will also notice that on the top line of the help screen it will say: Overlay Manager was initialized, but LOANPMT.OVR not found! If PageDn is pressed, a second help page will be displayed explaining what you must do to make the overlay program function available. These steps are: 1. If you still wish to perform an overlay program function: a. On a single- or dual-drive floppy system, insert a floppy disk that contains LOANPMT.OVR into the assigned drive and press ENTER, and then re-issue the requested program function. b. On a hard disk system, you must first terminate LOANPMT by pressing ESC. Then you must install a copy of the file LOANPMT.OVR in a directory that will always be in the path when LOANPMT is running. The best way to achieve this is to copy LOANPMT.OVR to the same directory as LOANPMT.EXE. 2. To continue LOANPMT without performing the requested overlay function, simply press ENTER and proceed with the program. 3. To exit LOANPMT, press ESC. Please notice there are two distinct overlay errors previously described. They are: 1. Overlay Manager not initialized! 2. Overlay Manager initialized, but LOANPMT.OVR not found! LOANPMT Ver 1.2 Page 11 Overlays and LOANPMT.OVR (Continued) LIM EMS SUPPORT LOANPMT has been written to support both current releases (3.2 and 4.0) of the Lotus/Intel/Microsoft Expanded Memory Specification (LIM EMS). When sufficient EMS space 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, you will see the following message at the bottom of the initial LOANPMT screen: LOANPMT.OVR loaded to EMS. Press ENTER to continue, or ESC to quit! If the EMS initialization fails, the program will attempt to initialize the overlay manager to the disk file as was previously described. DATA ENTRY At data entry fields of the program that require the keying in of 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. LOANPMT Ver 1.2 Page 12 DATA ENTRY (Continued) 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. DELETE or Ctrl+G: Deletes the character that is 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 line that the cursor is in. Ctrl+QY: Deletes characters from the cursor's location to the end of the line. At all data entry points that use a highlighted bar menu, you may use the RIGHT ARROW or LEFT ARROW keys, or you may press a key corresponding to the first letter in one of the menu choices, to move the highlighted bar. 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. UP ARROW or SHIFT TAB: Enters the current field into the program and moves the cursor to the previous field. Ctrl+J: Activates direct data field access (JUMP) feature. Refer to the section titled "Direct Data Field Access (JUMP)" in this manual for instructions on how to use this feature. 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. The following keys control the status line features, and these features are always available while you are in any data entry field (i.e. whenever the program is waiting for you to enter "ANY" data): LOANPMT Ver 1.2 Page 13 PROGRAM CONTROL FEATURES (Continued) F1 - displays a help screen that is most appropriate for the present location you are at 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 you to the program where you initially entered help (pressed F1). F9 - toggles data input between NEW and EDIT. NEW means you must enter new data at each data entry point. EDIT means old data will be displayed and you will be allowed to edit it by using the edit features described in the Data Entry section. The highlighted item is the feature that is currently in effect. By pressing F9 you can switch between NEW and EDIT data entry mode. INSERT - As explained in the Data Entry section, pressing the INSERT key toggles you between INSERT and OVERWRITE mode for data entry. The highlighted item is the feature that is currently in effect. ESC - Pressing the ESC key backs you out of any feature in the program (i.e. help screens, menus, etc.). In any data entry field, pressing ESC will cause the following message to appear at the bottom of the screen: OK to QUIT LOANPMT and return to DOS? Enter Y to quit and return to DOS, or answer N to return to LOANPMT. 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 in effect, all alphabetic characters are entered as uppercase. 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 in effect, 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 has no effect on the operation of this program. Program action key commands are displayed at the bottom of the screen whenever they are active. They are (^=Ctrl key): 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. LOANPMT Ver 1.2 Page 14 PROGRAM CONTROL FEATURES (Continued) 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. ^J - Pressing ^J activates LOANPMT's direct data field access (JUMP) feature. Refer to the section titled "Direct Data Field Access (JUMP)" in this manual for instructions on how to use this feature. F10 - Use F10 to access the Compute Menu. Please see the section titled "Compute Menu" in this manual for information on using LOANPMT's Compute Menu. DIRECT DATA FIELD ACCESS (JUMP) Whenever ^J=JUMP appears in the line at the bottom of the LOANPMT data entry screen, the direct data field access (JUMP) feature is enabled. To activate JUMP mode, simply press Ctrl+J. (i.e. While holding the Ctrl key down, press the J key.) Once Ctrl+J is pressed, you will notice that the ^J symbol will be flashing in the left side of the status line at the top of the screen right after F1=HELP. While the ^J symbol is flashing, JUMP mode is waiting for you to tell it which data entry field to jump to. On color monitors, you will notice that one character in each data entry field's name is a different color than the rest of the characters. This is the field's JUMP identifier. On monochrome monitors, the JUMP identifier is displayed at a higher intensity than the rest of the characters. To jump to any data entry field, simply press the character on the keyboard that corresponds to the JUMP identifier while ^J is flashing in the status line. LOANPMT JUMP identifiers are: Y=Loan Company; W=Borrower; C=Comment; S=Schedule; P=Principal; C=Costs; O=Points; E=Deferred Principal; R=Rate; D=Duration; T=Payment; F=Date of first payment; N=Number of payments made; A=Amortization table and loan payoff summary; COMPUTE MENU If ENTER is pressed at the initial LOANPMT screen, the LOANPMT data entry screen will appear and the program will be waiting for data entry. At the bottom of the LOANPMT data entry screen, you should see the following: F2=Save Loan Data F3=Load Loan Data ^J=JUMP F10=Compute Menu LOANPMT Ver 1.2 Page 15 COMPUTE MENU (Continued) Whenever the message F10=Compute Menu appears on this line, you can access the Compute Menu by pressing F10. When F10 is pressed, the Compute Menu will pop up. All selectable compute fields will be listed with the active compute field highlighted. The compute fields are Principal, APR, Duration, Payment, and Payoff. Use the RIGHT ARROW, DOWN ARROW, LEFT ARROW, UP ARROW, HOME, PAGE UP, END, or PAGE DOWN keys to move the highlighted bar. You can also press the key that corresponds with the first character in a listed item to move the highlight bar directly to that item. Once the compute field's name is highlighted that you want to select, simply press ENTER to select it and return to LOANPMT. If you decide you do not want to change the computed field, press ESC. When ESC is pressed, you will exit the Compute Menu and return to LOANPMT. The same compute field, though, will be active that was active when F10 was pressed. In other words, no matter which field name is highlighted in the compute 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 screen. 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 you make a mistake entering the loan company's name, you can 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 TAB or DOWN ARROW) to enter it into the program. 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 your entry as described in the Data Entry Section of this manual. When you have the borrower's name in this field, press ENTER (or TAB or DOWN ARROW) to enter it into the program. Comment: You can enter the reason for the loan, loan number, or any other comment you wish. If one is entered, it is printed on all the program's printouts. Again, you may edit your entry as LOANPMT Ver 1.2 Page 16 DATA ENTRY FIELDS (Continued) described in the Data Entry Section. When you have the desired information in this field, press ENTER (or TAB or DOWN ARROW) to enter it into the program. Payment schedule (number of payments per year): A highlight bar menu appears 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 first letter of the payment schedule desired (i.e. "Y" for Yearly, "Q" for Quarterly, "M" for Monthly, etc.) 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). When the desired payment schedule is highlighted, press ENTER (or TAB or DOWN ARROW) 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 you press ENTER (or TAB or DOWN ARROW), and the program will not let you proceed until the error is corrected. Additional loan costs: $ You may enter any loan costs that are being included in your 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 you press ENTER (or TAB or DOWN ARROW), and the program will not let you proceed until the error is corrected. Loan points charged: You may enter any loan points here that are being included into your loan. If you are NOT financing any of the loan LOANPMT Ver 1.2 Page 17 DATA ENTRY FIELDS (Continued) 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 you press ENTER (or TAB or DOWN ARROW), and the program will not let you proceed until the error is corrected. Deferred principal: $ Enter the portion of the total amount financed that is to be deferred and payed along with the final payment. You can create "interest only" loans by deferring the entire amount financed, or you can "balloon" a portion of the amount financed 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 you press ENTER (or TAB or DOWN ARROW), and the program will not let you proceed until the error is corrected. Annual percentage rate (%): Enter the annual percentage rate (APR) charged for your 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 you press ENTER (or TAB or DOWN ARROW), and the program will not let you 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 of payments). Press the LEFT ARROW key at the head of the field, or press the RIGHT ARROW key at the end of the field to change between YEARS and PAYMENTS duration mode. Select "Years" to enter the duration of your loan in whole years, or select "Payments" to enter the duration of your loan in total number of payments. When a duration is entered it must be greater than or equal to 1 (years or payments) and 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 you press ENTER (or TAB or DOWN ARROW), and the program will not let you proceed until the error is corrected. 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 you have LOANPMT Ver 1.2 Page 18 DATA ENTRY FIELDS (Continued) 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 and the program will wait for you to correct your 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 together with the previously entered data will cause the computed field to not 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 will also occur if a payment less than $0.00 is entered. Date of first Payment (MM-DD-YY): Enter the date the first payment for the loan is due. For new loans, the default date that appears in the field 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, then the default date given will be 9-01-1989.) If a date has been previously entered and a new loan has not been computed, then the old date will appear. If you wish to change the date shown, then enter the new date using the format shown (i.e. Month-Day-Year). The date field actually contains three separate sub-fields. Each sub-field is separated by the dash ("-"). The dashes used in the date cannot be typed in. The month sub-field (left sub-field) will only accept the digits 1 through 12. The day sub-field (middle 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, or DOWN ARROW is pressed. This allows you to leave the day sub-field so you can enter a different year. The year sub-field (right sub-field) will accept any four digit entry. It is suggested that you enter the full year, but you may use only the last two digits if you wish. Be warned, though, that when leap year checking is done, two digit years are considered to be in the 1st century. This is only important to keep in mind if your loan is started in this century (20th century) and will be ending in the next century (21st century). LOANPMT Ver 1.2 Page 19 DATA ENTRY FIELDS (Continued) 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 you entered the starting date of a 30 year loan with payments due each month as 8-31-89 (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 would then incorrectly tell you that your payment for February was due on 2-28-100, when in fact, it is actually due on 2-29-2000 since the year 2000 is a leap year. You must use the RIGHT ARROW or LEFT ARROW keys to move between the date fields and press ENTER (or TAB or DOWN ARROW) to enter the date. The program performs error checking on all date entries as described above and will not let you proceed until a valid date is entered. Print amortization table (Y/N)? or Display amortization table (Y/N)? or Save amortization table (Y/N)? Press LEFT ARROW or RIGHT ARROW to select between PRINT, DISPLAY, or SAVE mode for an amortization table. PRINT mode prints the amortization table on your printer, DISPLAY mode allows you to display one year of the table at a time on the screen, and SAVE mode allows you to save the table as a text file on disk. Once the desired mode is displayed, answer "N" (for NO) to the prompt if you do not want an amortization table printed, displayed, or saved. Answer "Y" (for YES) if you do (see the following sections, "Printing an Amortization Table", "Displaying an Amortization Table", and "Saving an Amortization Table"). The program will not allow you to proceed until "Y" or "N" has been entered. Print loan payoff summary (Y/N)? or Display loan payoff summary (Y/N)? or Save loan payoff summary (Y/N)? Press LEFT ARROW or RIGHT ARROW to select between PRINT, DISPLAY, or SAVE mode for a loan payoff summary. PRINT mode prints the summary on your printer, DISPLAY mode allows you to display the summary on the screen, and SAVE mode allows you to save the summary as a text file on disk. Once the desired mode is displayed, answer "N" (for NO) to the prompt if you do not LOANPMT Ver 1.2 Page 20 DATA ENTRY FIELDS (Continued) want a loan payoff summary printed, displayed, or saved. Answer "Y" (for YES) if you do (see the following sections, "Printing a Loan Payoff Summary", "Displaying a Loan Payoff Summary", and "Saving a Loan Payoff Summary"). The program will not allow you to proceed until "Y" or "N" has been entered. PRINTING AN AMORTIZATION TABLE From the amortization table prompt, you can select to print an amortization table. You must ensure, though, that the prompt reads: Print amortization table (Y/N)? If it doesn't, then press the RIGHT ARROW or LEFT ARROW key until it does. Then enter Y and press ENTER. The following menu will pop up: Print to device: (PARALLEL PORT) LPT1 (PRN) LPT2 LPT3 The port highlighted will be the port selected when you press the ENTER (or TAB) key. To change the port selection, use the RIGHT ARROW or LEFT ARROW keys (or press "L", "1", "2", or "3") to move the highlighted bar. In almost all cases, if you only have one printer, it is usually connected to LPT1 (PRN). Once ENTER (or TAB or DOWN ARROW) has been pressed the printout starts. If the program detects an error at any point during the printout, the printout stops and the following error message will be displayed at the bottom of the screen: Printer not ready! -($xx)- Press ENTER when ready or ESC to cancel printout. Normally any of the following can cause this error: 1. No printer attached to 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, you can proceed with the printout once you are ready by pressing ENTER. If the problem is not immediately correctable, or if you do not wish to proceed with the printout, press ESC and the printout will be LOANPMT Ver 1.2 Page 21 PRINTING AN AMORTIZATION TABLE (Continued) terminated and you will be returned to the data entry mode of LOANPMT. If no problems are detected during the printout, the prompt "PRINTING . . ." is displayed at the bottom of the screen. If you need to stop the printout, then press the ESC key. When the ESC key is pressed, the prompt "CANCEL PRINTING (Y/N)?" is displayed. If you want to continue printing simply answer "N" (for no), but if you want to cancel the printout, then answer "Y" (for yes) and you will be returned to the data entry mode of LOANPMT. After the printout is finished, the cursor returns to the data entry mode of LOANPMT. You can enter new data to process a new loan, or you can press the ESC key to terminate the program. DISPLAYING AN AMORTIZATION TABLE From the amortization table prompt, you can select to display an amortization table. You must ensure, though, that the prompt reads: Display amortization table (Y/N)? If it doesn't, then press the RIGHT ARROW or LEFT ARROW key until it does. If the letter "Y" (or "y") does not appear under the cursor, press the "Y" key and then press ENTER (or TAB or DOWN ARROW). A window will then appear displaying the following two lines: Loan runs from xxxx to yyyy Select loan year to display: xxxx As shown here, "xxxx" represents the first year of the loan and "yyyy" represents the final year of the loan. The initial year is selected by default. If you wish to see another year, then key in a year falling within the given range and press ENTER (or TAB or DOWN ARROW) key. If the entered year does not fall within the displayed range, an error message is given and the program will not let you proceed until a correct year is entered. Once a good year has been entered, the amortization is displayed on the screen for that year. If the table is too long to fit on the screen, use the UP ARROW or DOWN ARROW keys to move through the table one line at a time, or use the PAGE UP or PAGE DOWN keys to move through the table one full screen at a time. Once you are through viewing the table, press the ESC key to return to the display year selection window. Either press ESC to quit display mode, or enter another year to be displayed. LOANPMT Ver 1.2 Page 22 SAVING AN AMORTIZATION TABLE From the amortization table prompt, you can select to save an amortization table. You must ensure, though, that the prompt reads: Save amortization table (Y/N)? If it doesn't, then press the RIGHT ARROW or LEFT ARROW key until it does. If the letter "Y" (or "y") does not appear under the cursor, press the "Y" key and then press ENTER (or TAB or DOWN ARROW). A dialog box containing the following prompt now appears with the cursor in it: Save Amortization Table to Filename: 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 or not a filename extension is entered. Error detection is provided for invalid drive names, paths, filenames, etc., and the program will not let you 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 screen, 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 to your printer using DOS print commands or various third party printer routines. The file may also be edited via EDLIN or any other ASCII text editor. The distribution disk contains a sample amortization table file named EXAMPLE1.AMR for your examination and testing purposes. LOANPMT Ver 1.2 Page 23 SAVING LOAN DATA Whenever the following prompt appears near the lower left of the data entry screen: F2=Save Loan Data you may save the loan data to disk. If you press the F2 key, a dialog box with the following prompt will appear near the bottom of the data entry screen with the cursor in it: Save Data to Filename: 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 or not a filename extension is entered. Error detection is provided for invalid drive names, paths, filenames, etc., and the program will not let you 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 LOADING LOAN DATA Whenever the following prompt is visible near the bottom of the data entry screen: F3=Load Loan Data You may load a previously saved loan data file from disk. If you wish to load a data file, press the F3 key and the cursor will be placed in a dialog box with the following prompt near the bottom of the data entry screen: Load Data from Filename: You can enter DOS filename wildcards or a specific filename using the following format: [d:][path] filename LOANPMT Ver 1.2 Page 24 LOADING LOAN DATA (Continued) 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 let you proceed until everything is correctly entered (or ESC is pressed). If DOS wildcards are entered, a load file menu will appear containing a list of ".PMT" files meeting the wildcard specifications. Use the following to move the highlight bar through the load file menu: RIGHT ARROW highlights the next filename in the list. LEFT ARROW highlights the previous filename in the list. UP ARROW highlights the filename directly above the currently highlighted filename in the list. DOWN ARROW highlights the filename directly below the currently highlighted filename in the list. PAGE DOWN pages down to the next page of filenames. PAGE UP pages up to the previous page of filenames. HOME pages to and highlights the first filename in the list. END pages to and highlights the last filename in the list. A-Z or 0-9 highlights the first (or next) filename in the list that starts with the character. ENTER selects the highlighted filename. ESC exits the menu without selecting a filename. Once the program accepts a valid entry, the file is loaded and 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 PRINTING A LOAN PAYOFF SUMMARY From the loan payoff summary prompt, you can select to print a loan payoff summary. You must ensure, though, that the prompt reads: Print loan payoff summary (Y/N)? If it doesn't, then press the RIGHT ARROW or LEFT ARROW key until it does. Then enter Y and press ENTER. The following menu will pop up: Print to device: (PARALLEL PORT) LPT1 (PRN) LPT2 LPT3 LOANPMT Ver 1.2 Page 25 PRINTING A LOAN PAYOFF SUMMARY (Continued) The port highlighted will be the port selected when you press the ENTER (or TAB) key. To change the port selection, use the RIGHT ARROW or LEFT ARROW keys (or press "L", "1", "2", or "3") to move the highlighted bar. In almost all cases, if you only have one printer, it is usually connected to LPT1 (PRN). Once ENTER (or TAB) has been pressed the printout starts. If the program detects an error (either at the beginning or during the printout), the printout stops and the following error message will be displayed at the bottom of the screen: Printer not ready! -($xx)- Press ENTER when ready or ESC to cancel printout. Normally any of the following can cause this error: 1. No printer attached to 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, you can proceed with the printout once you are ready by pressing ENTER. If the problem is not immediately correctable, or if you do not wish to proceed with the printout, press ESC and the printout will be terminated and you will be returned to the data entry mode of LOANPMT. If no problems are detected during the printout, the prompt "PRINTING . . ." is displayed at the bottom of the screen. If you need to stop the printout, then press the ESC key. When the ESC key is pressed, the prompt "CANCEL PRINTING (Y/N)?" is displayed. If you want to continue printing simply answer "N" (for no), but if you want to cancel the printout, then answer "Y" (for yes) and you will be returned to the data entry mode of LOANPMT. After the printout is finished, the cursor returns to the data entry mode of LOANPMT. You can enter new data to process a new loan, or you can press the ESC key to terminate the program. DISPLAYING A LOAN PAYOFF SUMMARY From the loan payoff summary prompt, you can select to display a loan payoff summary. You must ensure, though, that the prompt reads: LOANPMT Ver 1.2 Page 26 DISPLAYING A LOAN PAYOFF SUMMARY (Continued) Display loan payoff summary (Y/N)? If it doesn't, then press the RIGHT ARROW or LEFT ARROW key until it does. If the letter "Y" (or "y") does not appear under the cursor, press the "Y" key and then press ENTER (or TAB or DOWN ARROW). A window will then appear displaying the the loan payoff summary. Once you are through viewing the summary, press the ESC key to return to data entry mode. SAVING A LOAN PAYOFF SUMMARY From the loan payoff summary prompt, you can select to save a loan payoff summary. You must ensure, though, that the prompt reads: Save loan payoff summary (Y/N)? If it doesn't, then press the RIGHT ARROW or LEFT ARROW key until it does. If the letter "Y" (or "y") does not appear under the cursor, press the "Y" key and then press ENTER (or TAB or DOWN ARROW). A dialog box will pop up containing the following prompt with the cursor in it: Save Payoff Summary to Filename: 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 ".POF" to all loan payoff summary filenames entered. If a filename extension other than ".POF" is entered, it will not be used. ".POF" is always used whether or not a filename extension is entered. Error detection is provided for invalid drive names, paths, filenames, etc., and the program will not let you 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 screen, and the following message is displayed at the bottom of the screen: Loan Payoff Summary saved to file FILENAME.AMR LOANPMT Ver 1.2 Page 27 SAVING A LOAN PAYOFF SUMMARY (Continued) The saved loan payoff summary file is a text file and may be printed to your printer using DOS print commands or various third party printer routines. The file may also be edited via EDLIN or any other ASCII text editor. LOAN PAYMENT EXAMPLE This example shows how LOANPMT can be used to find a monthly loan payment. Let's say that Data Language Systems needs some office improvements and we have had several construction and remodeling contractors submit bids for the work. We have decided to hire the contractor who has bid $4,800, and after checking with various loan institutions, we find that the prevailing annual percentage rate charged for office improvement loans at our bank, The Last National Bank of Yorktown, is 12.5% and the maximum length of time they will lend money for our type of loan is 1 1/2 years (18 months). They also tell us that we must pay a $15 filing fee so they can file our loan with the county clerk and that this fee may not be included in the loan. They also inform us that no points will be charged for the loan. We now have all the information needed to compute a monthly payment. Make 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. Next, at the DOS prompt, type LOANPMT and press the ENTER key. The program will start execution, and the LOANPMT screen will appear with the following message at bottom of the screen: Press ENTER to continue, or ESC to quit! Make sure that EDIT and OVERWRITE are highlighted in the status line at the top of the screen and do not change them during this example. You may depress the NUM LOCK key, if you wish, to allow numeric input from the numeric keypad. Notice that whenever NUM LOCK is in effect, NUM is displayed at the end of the status line. Now press the ENTER key. The LOANPMT data entry screen will now appear and the program will position you at the following prompt: Loan Company: Make sure that PAYMENT is displayed as the computed field near the top left hand area of the screen. If it isn't, refer to the Compute Menu section of this manual and select PAYMENT as the computed field. Now type in: "The Last National Bank of Yorktown" and then press the ENTER (or TAB or DOWN ARROW) key and the cursor will be moved to the prompt: Borrower: LOANPMT Ver 1.2 Page 28 LOAN PAYMENT EXAMPLE (Continued) Now type in: "Data Language Systems" and then press the ENTER (or TAB or DOWN ARROW) key and the cursor advances to the prompt: Comment: Enter: "Office Improvement Loan" and press the ENTER (or TAB or DOWN ARROW) key and you will now see the payment schedule menu appear with Monthly highlighted. If Monthly is not highlighted, press the M key. Press the ENTER (or TAB or DOWN ARROW) key to select monthly payments and the cursor will be positioned at the prompt: Loan principal: $ This prompt is where we enter the amount we are going to borrow, so key in 4800 and press the ENTER (or TAB or DOWN ARROW) key. Notice that the entry overwrites the value that was originally displayed at the prompt. The cursor will next position itself at the prompt: Additional loan costs: $ Since the $15 filing fee cannot be financed, make sure that the value here is zero and press the ENTER (or TAB or DOWN ARROW) key to enter the zero. The cursor will be advanced to the prompt: Loan points charged: No loan points are being charged for this loan. Make sure the value is zero and press the ENTER (or TAB or DOWN ARROW) key to enter the zero. The cursor is now placed in the prompt: Deferred principal: $ From our discussion with the bank, no portion of this loan is being deferred. Make sure the value in this field is zero and press the ENTER (or TAB or DOWN ARROW) key to enter the zero. The cursor is now moved to the prompt: Annual percentage rate: Enter the annual percentage rate charged for borrowing the money here. So key in 12.5 and press the ENTER (or TAB or DOWN ARROW) key. You will now see that the cursor has moved to the prompt: Duration of loan in payments: LOANPMT Ver 1.2 Page 29 LOAN PAYMENT EXAMPLE (Continued) Since we want to borrow the money for one and a half years, we must enter our loan duration in payments instead of years. If the prompt does not read payments, press the LEFT ARROW key until it does. Now key in 18 (i.e. 1 1/2 years x 12 months/year = 18 months) and press the ENTER (or TAB or DOWN ARROW) key. You have now entered all the information the program needs to compute the monthly payment which is now displayed: Payment: $293.82 and the cursor is moved to the field: Date of first payment (MM-DD-YY): Since this example was initially ran on 8-1-1989 and monthly payments were previously selected, the default date was 9-1-1989. The date displayed for you though, will be one month from the date found on your computer's system clock. You can always select the default date by pressing the ENTER (or TAB or DOWN ARROW) key. But our loan requires the first payment to be 9-1-1989. So key it in, if it is not already displayed, and press the ENTER (or TAB or DOWN ARROW) key. The cursor is now displayed under the character at the end of the prompt: Print amortization table (Y/N)? Before we proceed to print an amortization table, let's save the loan data parameters we just entered. Press the F2 key and a dialog box with the following prompt appears: Save Data to Filename: Let's call this data EXAMPLE1. So now key in: EXAMPLE1 and press the ENTER (or TAB) key. If you have loaded all the files from the distribution disk onto your disk, and if they are in the current DOS path, you will hear a beep and the following message will be displayed at the bottom of the screen: File already exists! OK to overwrite (Y/N)? N Type in "Y" and press the ENTER (or TAB) key. Your disk drive's light will come on briefly, and then you will see the following message displayed at the bottom your screen. Data saved to file EXAMPLE1.PMT LOANPMT Ver 1.2 Page 30 LOAN PAYMENT EXAMPLE (Continued) You will be returned to the prompt: Print amortization table (Y/N)? Now let's print the amortization table. Type in Y and press the ENTER (or TAB or DOWN ARROW) key. A menu window will pop up displaying: Print to device: (PARALLEL PORT) LPT1 (PRN) LPT2 LPT3 and LPT1 (PRN) is highlighted. If your printer is connected to a different port than LPT1, use the arrow keys (or press "L", "1", "2", or "3") to move the highlighted bar to the correct port designation. If you only have one printer, in almost all cases it is usually connected to LPT1 (PRN). Now press the ENTER (or TAB) key to select the port for printer output. Once the ENTER key has been pressed, and the program detects no printer errors, the amortization table printout starts. The prompt "PRINTING . . ." is displayed at the bottom of the screen while the printout is in progress. But, if you get the message: Printer not ready! -($xx)- Press ENTER when ready or ESC to cancel printout. refer to the "Printing an Amortization Table" section in this manual. The following amortization table was printed during this example: LOANPMT Ver 1.2 Page 31 LOAN PAYMENT EXAMPLE (Continued) LOAN AMORTIZATION PAGE 1 8-1-89 The Last National Bank of Yorktown BORROWER: Data Language Systems LOAN FOR: Office Improvement Loan DEFERRED LOAN COSTS POINTS PRINCIPAL PRINCIPAL $0.00 0.000($0.00) $4800.00 $0.00 TERM OF LOAN ANNUAL AMOUNT 18 MONTHLY PAYMENTS % RATE PAYMENT FINANCED (1 YR, 6 MO, 0 WK) 12.500% $293.83 $4800.00 PAYMENT PAYMENT INTEREST PRINCIPAL BALANCE DATE NUMBER PAYMENT PAYMENT OF LOAN 9- 1-89 1 50.00 243.83 4556.17 10- 1-89 2 47.46 246.37 4309.80 11- 1-89 3 44.89 248.94 4060.86 12- 1-89 4 42.30 251.53 3809.33 TOTAL ____ __________ __________ PAYMENTS FOR YEAR 1989: 4 $ 184.65 + $ 990.67 = $ 1175.32 TOTAL-TO-DATE: 4 $ 184.65 + $ 990.67 = $ 1175.32 1- 1-90 5 39.68 254.15 3555.18 2- 1-90 6 37.03 256.80 3298.38 3- 1-90 7 34.36 259.47 3038.91 4- 1-90 8 31.66 262.17 2776.74 5- 1-90 9 28.92 264.91 2511.83 6- 1-90 10 26.16 267.67 2244.16 7- 1-90 11 23.38 270.45 1973.71 8- 1-90 12 20.56 273.27 1700.44 9- 1-90 13 17.71 276.12 1424.32 10- 1-90 14 14.84 278.99 1145.33 11- 1-90 15 11.93 281.90 863.43 12- 1-90 16 8.99 284.84 578.59 TOTAL ____ __________ __________ PAYMENTS FOR YEAR 1990: 12 $ 295.22 + $ 3230.74 = $ 3525.96 TOTAL-TO-DATE: 16 $ 479.87 + $ 4221.41 = $ 4701.28 1- 1-91 17 6.03 287.80 290.79 2- 1-91 18 3.03 290.79 0.00 TOTAL ____ __________ __________ PAYMENTS FOR YEAR 1991: 2 $ 9.06 + $ 578.59 = $ 587.65 TOTAL-TO-DATE: 18 $ 488.93 + $ 4800.00 = $ 5288.93 AMOUNT OF FINAL PAYMENT = $293.82 LOANPMT Ver 1.2 Page 32 LOAN PAYMENT EXAMPLE (Continued) After the printout is finished, the cursor returns to the data entry screen. You could enter new data, but now press the ESC key. The following prompt will appear at the bottom of the screen. OK to QUIT LOANPMT and return to DOS? Press Y and then press ENTER to quit LOANPMT and return to DOS. LOANPMT will terminate and the CRT screen will be returned to the display that was in the screen just before LOANPMT started executing. LOAN PAYOFF EXAMPLE This example shows how LOANPMT can be used to find a payoff balance for the loan created in the Loan Payment Example section of this manual. Make sure the files LOANPMT.EXE, LOANPMT.OVR, and EXAMPLE1.PMT are on the disk of the assigned drive, and make sure they are in the current directory or path. Next, at the DOS prompt, type LOANPMT and press the ENTER key. The program will start execution, and the LOANPMT screen will appear with the following message at bottom of the screen: Press ENTER to continue, or ESC to quit! Make sure that EDIT and OVERWRITE are highlighted in the status line at the top of the screen and do not change them during this example. You may depress the NUM LOCK key, if you wish, to allow numeric input from the numeric keypad. Notice that whenever NUM LOCK is in effect, NUM is displayed at the end of the status line. Now press the ENTER key. The LOANPMT data entry screen will now appear and cursor will be in the prompt: Loan Company: Press the F10 key to access the Compute Menu window and highlight PAYOFF. Now press ENTER and the Compute Menu Window will disappear and you will be returned to the prompt: Loan Company: Since we previously saved the loan to disk from the Loan Payment Example section of this manual, press the F3 key. A dialog box containing the following prompt will appear near the bottom of the screen: Load Data from Filename: LOANPMT Ver 1.2 Page 33 LOAN PAYOFF EXAMPLE (Continued) Now key in: EXAMPLE1 and press the ENTER (or TAB) key. If the file EXAMPLE1.PMT is not in the current DOS path, you will hear a beep and the following error message will appear: File not found! If you get this error, enter the data shown in the Loan Payment Example section in this manual, or exit the program and load the file EXAMPLE1.PMT from the distribution disk to the current DOS path. If the program finds the file EXAMPLE1.PMT in the current DOS path of your disk, the disk light will come on briefly. The following message will appear at the bottom of the screen: Data loaded from file EXAMPLE1.PMT and all the values retrieved from the file will be displayed throughout the data entry screen. Press Ctrl+J and then press the N key and the cursor will be moved to the prompt: Number of payments already made: Let's key in 12 and press the ENTER (or TAB or DOWN ARROW) key. The payoff balance will be computed and displayed as: Payoff balance: $1700.45 and the cursor will be positioned at the "Payment" prompt. Lets print a loan payoff summary. Press Ctrl+J and then press A to jump to the data entry field: Print loan payoff summary (Y/N)? Type "Y" and press the ENTER (or TAB) key. A menu window will pop up displaying: Print to device: (PARALLEL PORT) LPT1 (PRN) LPT2 LPT3 and LPT1 (PRN) is highlighted. If your printer is connected to a different port than LPT1, use the arrow keys (or press "L", "1", "2", or "3") to move the highlighted bar to the correct port designation. If you only have one computer, in almost all cases it is usually connected to LPT1 (PRN). Now press the ENTER (or TAB or DOWN ARROW) key to select the port for printer output. LOANPMT Ver 1.2 Page 34 LOAN PAYOFF EXAMPLE (Continued) Once the ENTER key has been pressed, and the program detects no printer errors, the summary printout starts. The prompt "PRINTING . . ." is displayed at the bottom of the screen. But, if you get the message: Printer not ready! -($xx)- Press ENTER when ready or ESC to cancel printout. refer to the "Printing an Amortization Table" section in this manual. The following loan payoff summary was printed during this example: *** LOAN PAYOFF CALCULATION *** 9-1-90 The Last National Bank of Yorktown BORROWER: Data Language Systems LOAN FOR: Office Improvement Loan Total amount financed: $4800.00 Annual percentage rate (APR): 12.5000% Monthly payment: $293.83 Initial number of monthly payments: 18 Number of monthly payments already made: 12 Number of monthly payments remaining: 6 Amount required to payoff loan: $1700.45 After the printout is finished, the cursor returns to the data entry screen. You could enter new data, but now press the ESC key. The following prompt will appear at the bottom of the screen. OK to QUIT LOANPMT and return to DOS? Press Y and then press ENTER to quit LOANPMT and return to DOS. LOANPMT will terminate and the CRT screen will be returned to the display that was in the screen just before LOANPMT started executing. LOANPMT Ver 1.2 Page 35 PROGRAM HISTORY LOANPMT.EXE & LOANPMT.OVR 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. 04-15-91 Version 1.2 Printer compatibility improved. File load bug fixed. Printing and file saving & loading interfaces improved. LOANPMT Ver 1.2 Page 36 PROGRAM ENHANCEMENT REQUESTS (HOW TO RECEIVE A FREE PROGRAM UPGRADE) If you have enhancements you would like to see incorporated into the LOANPMT program, you are encouraged to submit them to Data Language Systems. If you are a registered user of LOANPMT, you could receive a free upgrade of LOANPMT for your enhancement request. If you are the first registered 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", 360K floppy disk.) 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.) The following are some of the enhancements that have already been suggested: 1. Add balloon payments. 2. Add loan comparison tables. 3. Add an additional payment schedule. 4. Add method to change and save color attributes of display screen color monitors. 5. Highlight the active data entry field. 6. Add a DOS shell. All requests submitted become the property of Data Language Systems, and Data Language Systems reserves the right to select only those requests for incorporation into LOANPMT that are determined to be feasible and viable enhancements to LOANPMT by Data Language Systems. The postmark date on each request will be used to determine which request was the first in case of duplicate requests by more than one registered user. Only mailed requests are eligible for this offer. Phoned requests are ineligible. Only registered users are eligible to participate in the free upgrade offer, but you need not be a registered user to submit an enhancement request. To be eligible to receive a free upgrade under this offer, the registered user must also agree to beta test the proposed enhancement, with no charge to Data Language Systems, before its official release. LOANPMT Ver 1.2 Page 37 REPORTING LOANPMT BUGS (HOW TO RECEIVE A FREE PROGRAM UPGRADE) Although every attempt has been made to provide bug free software, it is realistic that some bugs will escape even the most aggressive testing. If you find what you believe is a bug in the LOANPMT program, you are encouraged to submit it to Data Language Systems so it can be corrected. If you are a registered user of LOANPMT, you could receive a free upgrade of LOANPMT for your bug report. If you are the first registered 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", 360K floppy disk.) 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 bugs reports submitted become the property of Data Language Systems, and Data Language Systems reserves the right to only modify LOANPMT for submissions that are determined by Data Language Systems to be actual malfunctions of the intended design of LOANPMT. The postmark date on each request will be used to determine which request was the first in case of duplicate requests by more than one registered user. Only mailed bug reports are eligible for this offer. Phone reports are not eligible. There will be situations where a reported bug will be determined by Data Language Systems to be within the realm of the actual program design (i.e. not really a bug). In these cases, your submission will be handled as a Program Enhancement Request (see the previous section of this manual). Only registered users are eligible to participate in the free upgrade offer, but you need not be a registered user to submit a bug. To be eligible to receive a free upgrade under this offer, the registered user must also agree to beta test the bug fix, with no charge to Data Language Systems, before its official release. LOANPMT Ver 1.2 Page 38 SOFTWARE LICENSE The LOANPMT program, its documentation, and all other files on the distribution disk are copyright (C) 1989-1991 by Data Language Systems. All rights are reserved. Data Language Systems retains ownership of the LOANPMT program and all files on the distribution list. You are free to use, copy, and distribute LOANPMT if: 1. No fee is charged for use, copying or distribution. Clubs, user groups, and shareware libraries may charge a nominal fee of $5 or less for expenses and handling 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.DOC QKSTART.DOC LOANPMT.OVR EXAMPLE1.PMT README.TXT LOANPMT.DOC EXAMPLE1.AMR README.BAT 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.DOC) along with the $15.00 fee to be eligible for user support, etc. Site licenses and commercial licenses are available. Write to the Data Language Systems for more information. 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. LOANPMT Ver 1.2 Page 39 USER SUPPORT If you are a registered user of LOANPMT and you experience problems, need help, have questions, etc., 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", 360K disk, if you prefer) usually works best. The author of LOANPMT will usually be 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 savings 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. Not only does he have a family, but he usually takes one computer science night class every fall and spring semester at Ball State University. LOANPMT Ver 1.2 Page 40 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. Data Language Systems retains all rights to the software and its documentation under the copyright laws and simply allows 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 only $15.00 and 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 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. So please, if you find this program useful, then 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, I 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. Thank You For Your Support, Donald L. Swartz Data Language Systems LOANPMT Ver 1.2 Page 41 DISCLAIMER The LOANPMT program and its documentation are Copyright (C) 1989-1991 by Data Language Systems. All rights are reserved. This program and its documentation are supplied "AS IS" without any warranty, expressed or implied regarding the accuracy, sufficiency, suitability, or merchantability of the software or other materials delivered herewith. Customers have the sole responsibility for inspecting and testing the program and documentation to their satisfaction before using them with important data. In no event will Data Language Systems, or the author, be liable for any damages, including (but not limited to) any lost profits, lost savings, or other incidental or consequential damages arising out of the use of or inability to use the program, even if Data Language Systems or the author has been advised of the possibility of such damages, or for any claim by any other party. 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 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 under this warranty, you must send the defective LOANPMT distribution diskette and a copy of your Data Language Systems invoice to us. You must state whether you want a full refund of the purchase price of the diskette or a replacement diskette. (Sorry, but shipping and handling costs cannot be refunded.) Refunds or replacements will only be made after the diskette and the copy of your invoice have been received. Distribution diskettes obtained from other Shareware distributors are not covered by this warranty. Only diskettes with Data Language Systems' LOANPMT label on them are covered by this warranty. LOANPMT Ver 1.2 Page 42 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. 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 a must 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.DOC, along with your payment, to receive the diskettes you want. LOANPMT Ver 1.2 Page 43 USER REGISTRATION FORM LOANPMT; COPYRIGHT (C) 1989-1991, DATA LANGUAGE SYSTEMS ALL RIGHTS RESERVED To register your use of LOANPMT, complete this form and mail it along with the Invoice on the following page and your check, money order, or charge card information to: Data Language Systems R.R.#1, Box 18A Yorktown, Indiana 47396 (Please print) DATE: _______________ LOANPMT Ver 1.2 (Please Check One) ( ) MR., ( ) MS., or ( ) ________ NAME: _____________________________________________________ COMPANY: _____________________________________________________ STREET: _____________________________________________________ CITY: _____________________ STATE: _______ ZIP: __________ COUNTRY: _____________________________________________________ PHONE: (_________) ________________________________________ MICROCOMPUTER USED: __________________________________________ MONITOR: ( ) Monochrome ( ) Color GRAPHICS CARD: ( ) MDA ( ) CGA ( ) EGA ( ) MCGA ( ) VGA ( ) Other __________________________________ SYSTEM PROCESSOR: ( ) 8186 ( ) 8188 ( ) NEC V20 ( ) NEC V30 ( ) 8086 ( ) 8088 ( ) 80286 ( ) 80386SX ( ) 80386 ( ) 80486 ( ) Other (specify) SYSTEM MEMORY ________K. EMS MEMORY ________K. PC/MS-DOS Ver # __________ EMS Ver # _________ DISK DRIVES: # _____ 5 1/4" Floppy # _____ 3 1/2" Floppy # _____ 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: ______________________________________________________________ ______________________________________________________________ ______________________________________________________________ LOANPMT Ver 1.2 Page 44 Remit to: Data Language Systems INVOICE # 041591 R.R.#1, Box 18A Yorktown, IN 47396 (317) 759-7367 Ship to (please print): _________________________________________________ _________________________________________________ _________________________________________________ _________________________________________________ _________________________________________________ UNIT PRICE DESCRIPTION QTY (U.S.$) TOTAL LOANPMT Ver 1.2 registration fee. _____ $15.00 ___________ LOANPMT distribution disk. _____ $5.00 ___________ DIRSRCH distribution disk. _____ $5.00 ___________ MOLDWT distribution disk. _____ $5.00 ___________ Disk Size: 5 1/4" (__) or 3 1/2" (__) (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 - (Only if disks ordered): US - $2.50 Canada, & Mexico - $3.50 All other locations - $5.00 ___________ TOTAL: ___________ TERMS: All orders must be prepaid by Check, Money Order, MasterCard or Visa in U.S. funds: Method of payment (check one): ( ) Check ( ) Money Order ( ) MasterCard ( ) Visa Charge card users must fill in the following, or you may phone us at the number shown above from 5:00PM-9:00PM EST: Account No. _______ _______ _______ _______ Exp. Date _______ Signature: ___________________________________________________ (required for all charge cards)