APR Spread Calculator, 1.0.00 Compile Date: 04/06/99 Copyright (c) 1997 - 1999 by Wheatworks Software All Rights Reserved Worldwide. Post Office Box 7, Ruston, LA 71273 USA http://www.wheatworks.com Shareware: $19.95 WELCOME! Based on Wheatworks' experience developing financial calculators for corporate clients, APR Spread Calculator uses the Actuarial Method of calculating Annual Percentage Rates for mortgage loans as explained in Appendix J of 12 CFR Ch. II, Pt. 226, the portion of the United States Code of Federal Regulations known as "Regulation Z". In addition to the basic APR calculation, APR Spread Calculator also provides a spreadsheet-like grid of APRs by loan amounts and fixed fee amounts. The loan amount and fixed fee amount axes are spread incrementally based upon user-modifiable ranges. Wheatworks Software's APR Spread Calculator is a shareware financial calculator designed for Win95/98/NT systems. It offers integrated help, provides automatic 'hints', accomodates all Regional Settings, is large and small font compliant, offers Wheatworks Software's new integrated Upgrade Center for easy, free, online updates, and includes a user-friendly registration system. Please email your questions or comments to mailto:aprs@wheatworks.com or visit the homepage at: http://www.wheatworks.com/APRS/Aprs.htm INSTALLATION INSTRUCTIONS 1. Run APRSetup.exe 2. Follow the instructions displayed by the installation program. VERSION HISTORY 1.0.00 - Initial release. 040699 NOTICE PLEASE READ THIS DOCUMENT CAREFULLY. THE INDIVIDUAL OR ENTITY INSTALLING THIS SOFTWARE ("YOU") AGREES TO BE BOUND BY THE TERMS OF THIS LICENSE. IF YOU DO NOT AGREE TO THE TERMS OF THIS LICENSE, PROMPTLY DELETE OR RETURN THE PRODUCT. While effort was made to ensure the accuracy of these calculations, there is NO WARRANTY, expressed or implied, for the accuracy or applicability of the results generated by this SOFTWARE to your particular financial situation. Please consult your own financial advisor before making any financial decisions. APR Spread Calculator ("SOFTWARE") and the accompanying documentation are provided to YOU by Wheatworks Software ("LICENSOR") for use only under the following terms. LICENSOR reserves any right not expressly granted to YOU. YOU own the disk on which the SOFTWARE is recorded, but LICENSOR retains ownership of all copies of the SOFTWARE itself. YOU assume sole responsibility for the installation, use and results obtained from use of the SOFTWARE. 1. License. YOU are granted a limited, non-exclusive license to do only the following: A. Install this Shareware version of the SOFTWARE only for the purpose of evaluating the SOFTWARE. The entire Evaluation period for the SOFTWARE product may be no longer than 30 days, at which time YOU must register the software and provide the accompanying payment in order to continue using the Software, or entirely delete the SOFTWARE from YOUR computer(s). B. Install and maintain the SOFTWARE on only one computer (not to be a network server) at any time for use only in YOUR own business, or for personal use by YOU. Use on additional computers requires an additional copy of Licensed SOFTWARE to be registered/purchased for each additional computer. C. Make copies of only this Shareware version in machine-readable form for distribution to a third party solely for the purpose of evaluation for purchase by the third party, provided the entire contents of the Shareware version are copied in their entirety with payment, copyright, and trademark information in place. Although the SOFTWARE may not be sold, a fee of no greater than $4 (U.S.) may be charged for the service of providing this SOFTWARE to others on physical, magnetic media (i.e. charging for the media and duplication services only). The SOFTWARE is protected by copyright law. This SOFTWARE and documentation is Copyright © 1997 - 1999 by Wheatworks Software, All Rights Reserved Worldwide. D. Transfer the SOFTWARE and all rights under this License to another party together with a copy of this License and all written materials accompanying the SOFTWARE provided (i) YOU give LICENSOR written notice of the transfer (including in such notice the identity of the transferee), and (ii) the other party reads and agrees to accept the terms and conditions of this License. 2. Copyright. This SOFTWARE and documentation is Copyright © 1997 - 1999 by Wheatworks Software, All Rights Reserved Worldwide, and is protected under United States copyright laws and international treaty provisions. YOU may not distribute the registered version of APR Spread Calculator nor distribute the registration code provided to YOU by LICENSOR. YOU must treat the use of this SOFTWARE just like a book. This SOFTWARE may be freely moved from one computer location to another, as long as there is no possibility of it being used at one location while it's being used at another. Similarly, a book cannot be read by two people at the same time. Firms requiring multiple copies may contact Wheatworks Software for site license information. 3. Restrictions. YOU may NOT sublicense, or assign copies of the SOFTWARE to others. The SOFTWARE contains trade secrets. YOU may NOT decompile, reverse engineer, disassemble, or otherwise reduce the SOFTWARE to a human readable form. YOU MAY NOT MODIFY, ADAPT, TRANSLATE, RENT, LEASE, LOAN, RESELL FOR PROFIT, OR OTHERWISE ASSIGN OR TRANSFER THE SOFTWARE, OR CREATE DERIVATIVE WORKS BASED UPON THE SOFTWARE OR ANY PART THEREOF, EXCEPT AS EXPRESSLY PROVIDED IN SECTION 1.C. ABOVE. 4. Protection and Security. YOU agree to use YOUR best efforts and to take all reasonable steps to safeguard the SOFTWARE to ensure that no unauthorized person shall have access thereto and that no unauthorized copy, publication, disclosure or distribution in whole or in part, in any form, shall be made. YOU acknowledge that the SOFTWARE contains valuable confidential information and trade secrets and that unauthorized use and/or copying are harmful to LICENSOR 5. Termination. This License is effective until terminated. This License will terminate immediately without notice from LICENSOR if YOU fail to comply with any of its provisions. Upon termination YOU must destroy the SOFTWARE and all copies thereof, and YOU may terminate this License at any time by doing so. 6. Disclaimer of Warranty. APR SPREAD CALCULATOR IS LICENSED "AS-IS." WHEATWORKS SOFTWARE MAKES NO WARRANTIES, EITHER EXPRESSED OR IMPLIED, WITH RESPECT TO THIS PROGRAM, ITS QUALITY, PERFORMANCE, MERCHANTABILITY, OR FITNESS FOR ANY PARTICULAR PURPOSE. IN PARTICULAR, IT IS NOT GUARANTEED TO PREVENT OR DETECT DAMAGE TO YOUR DATA OR PROGRAMS. IN NO EVENT SHALL WHEATWORKS SOFTWARE BE LIABLE FOR ANY CLAIMS FOR LOST PROFITS OR ANY DAMAGE, INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR OTHER DAMAGE. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO CASE SHALL WHEATWORKS SOFTWARE'S LIABILITY EXCEED THE LICENSE FEES PAID FOR THE RIGHT TO USE THE LICENSED SOFTWARE. THE LICENSE AGREEMENT AND WARRANTY SHALL BE CONSTRUED, INTERPRETED, AND GOVERNED BY THE LAWS OF THE STATE OF LOUISIANA. 7. Enhancements. From time to time LICENSOR may, in its sole discretion, advise YOU of updates, upgrades, enhancements or improvements to the Software and/or new releases of the SOFTWARE (collectively, "Enhancements"), and may license YOU to use such Enhancements upon payment of prices as may be established by LICENSOR from time to time. All such Enhancements to the Software provided to YOU shall also be governed by the terms of this License. 8. General. This License will be governed by and construed in accordance with the laws of the State of Louisiana, USA, and shall inure to the benefit of LICENSOR and YOU and their successors, assigns and legal representatives. If any provision of this License is held by a court of competent jurisdiction to be invalid or unenforceable to any extent under applicable law, that provision will be enforced to the maximum extent permissible, and the remaining provisions of this License will remain in full force and effect. Any notices or other communications to be sent to LICENSOR must be mailed first class, postage prepaid, to the following address: Wheatworks Software, P. O. Box 7, Ruston, LA 71273. This Agreement constitutes the entire agreement between the parties with respect to the subject matter hereof, and all prior proposals, agreements, representations, statements and undertakings are hereby expressly cancelled and superseded. This Agreement may not be changed or amended except by a written instrument executed by a duly authorized officer of LICENSOR. 9. Acknowledgment. BY INSTALLING THIS SOFTWARE, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS LICENSE, UNDERSTANDS IT, AND AGREE TO BE BOUND BY ITS TERMS AND CONDITIONS. Should YOU have any questions concerning this License, contact LICENSOR at the address set forth above. Copyright © 1997 - 1999 by Wheatworks Software All Rights Reserved Worldwide. Document Date: 4/6/99