AprCalc 3.0 - The Premier Windows Shareware
	          Amortization Calculator

Thank you for trying AprCalc 3.0!  Please take a moment
to read this brief message before the program is installed.

AprCalc is an amortization calculator that allows you to 
investigate various "what-if" scenarios quickly and easily.
The four variables in a mortgage loan are the amount
financed, the term, the interest rate, and the payment;
setting any three of these automatically determines the 
value of the fourth.  Typically, you would enter a value 
for each of the three known variables, and then click the
button corresponding to the variable to be calculated.

AprCalc also automatically amortizes loans, and provides
the ability to save scenarios to disk and print hardcopies.
Prepayments to principal can be entered for any payment, 
and the effect on the amortization observed.  You can also 
determine how much in prepayments would be necessary
to reduce a loan to a given number of payments.  Support
for ARMs (Adjustable Rate Mortgages) and accelerated
"biweekly" loan programs is also provided.  Breakeven
analysis lets you decide when and if it makes sense to
purchase discount points.  An extensive Windows Help
system is provided.

New features in this version include the ability to
automatically save your scenario files, infinite 
undo/redo capability, notes that can be attached to each
payment, and more control over the printout appearance.

As a 32-bit program, AprCalc 3.0 can run on any 32-bit
Windows operating system (such as Windows 95,
Windows 98, and Windows NT 4).  For those using 
Windows 3.X, our final 16-bit version, "AprCalc 2.2", is
still available on our web site for a limited time.

Please note that AprCalc 3.0 uses advanced features of
the Microsoft Windows operating system that may require
you to obtain the latest versions of certain system files
(called "DLLs").  If you have problems getting AprCalc to
run, or encounter problems that appear related to this
issue, please email us with the exact wording of the 
error message you get, and we will do our best to resolve
the problem for you.

To register your copy of AprCalc 3.0, please choose the
"Help, Register..." menu item, or visit us our web site at 
www.DefinitiveSolutions.com.  For pre-sales questions,
bug reports, or suggestions for enhancements, please 
feel free to e-mail us at support@DefinitiveSolutions.com.

Again, thank you for trying AprCalc 3.0!