ÿþ<HTML> <HEAD> <TITLE>Loan & Line Payment</TITLE> <META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=iso8859-1"> <META NAME="description" CONTENT="Financial Calculators, ©1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net"> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <!-- Financial Calculators, ©1998-2008 KJE Computer Solutions, LLC. 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For more information please see: <A HREF="http://www.dinkytown.net">http://www.dinkytown.net</A> --> <H1>Loan & Credit Line Payments</H1><P>This calculator helps determine your loan or line payment. For a loan payment, select fixed term loan. For a line payment, you can choose 2%, 1.5% , 1.0% of the outstanding balance or interest only. <P> <CENTER> <!--[if IE]><object name="calculator" classid="clsid:8AD9C840-044E-11D1-B3E9-00805F499D93" codebase="http://java.sun.com/update/1.6.0/jinstall-6-windows-i586.cab#Version=1,4,0,0" height="375" width="565"><param name="code" value="PaymentOptions" /><param name="archive" value="dinkytown.jar" /> <P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]--><![if !IE]><P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]></P><![if !IE]><APPLET name="calculator" code="PaymentOptions.class" align="baseline" WIDTH="565" HEIGHT="375" archive="dinkytown.jar"><![endif]> <PARAM name="MONTHLY_PAYMENT" value="300"> <PARAM name="INTEREST_RATE" value="9.00"> <PARAM name="TERM" value="48"> <PARAM name="LOAN_AMOUNT" value="20000"> <PARAM name="PAYMENT_PERCENT_INTEREST" value="100"> <PARAM name="PAYMENT_PERCENT_PRINCIPAL1" value="1"> <PARAM name="PAYMENT_PERCENT_PRINCIPAL2" value="1.5"> <PARAM name="PAYMENT_PERCENT_PRINCIPAL3" value="2"> <PARAM name="PAYMENT_OPTION" value="2"> <PARAM name="PAYMENT_CALC" value="1"> <!--CUSTOM PARAMETERS--> <PARAM name="TEXT_FOR_REPORT" value="<HTML> <HEAD> <TITLE>Loan & Line Payment</TITLE> <META HTTP-EQUIV='Content-Type' CONTENT='text/html; charset=iso8859-1'> <META NAME='description' CONTENT='Financial Calculators, &QCPQ;1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net'> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <BODY bgcolor='#FFFFFF' LINK='#003399' VLINK='#666666' BGCOLOR='#FFFFFF'> <CENTER><table border=0 bgcolor='#000000' width=468 cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFDD' border=0 width=468 cellspacing=1 cellpadding=5><tr><td width='100%' align=center valign=middle><DIV class=large>Loan & Credit Line Payments</DIV></td></tr></table></TD></TR></TABLE></CENTER> <H1>Your first monthly payment will be MONTHLY_PAYMENT.</H1>**GRAPH**<P>This payment is for a LOAN_AMOUNT LOAN_TYPE_LABEL. LOAN_TYPE_MSG <P><table border=0 bgcolor='#000000' width=100% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5> <TR BGCOLOR='#CCCCCC'><TD COLSPAN=2><CENTER><B>Loan summary</B></CENTER></TD></TR> <TR><TD><b>Payment option</b> </TD><TD> PAYMENT_OPTION </TD></TR> <TR><TD><b>1st monthly payment </b> </TD><TD> MONTHLY_PAYMENT </TD></TR> <TR><TD><b>Loan amount </b> </TD><TD> LOAN_AMOUNT </TD></TR> <TR><TD><b>Annual Percentage Rate </b> </TD><TD> INTEREST_RATE </TD></TR> <TR><TD><b>Term </b> </TD><TD> TERM months </TD></TR> <TR BGCOLOR='#CCCCCC' ><TD><b>Total payments </b> </TD><TD> <b>TOTAL_OF_PAYMENTS</b> </TD></TR> <TR BGCOLOR='#CCCCCC' ><TD><b>Total interest </b> </TD><TD> <b>INTEREST_PAID</b> </TD></TR> <TR BGCOLOR='#CCCCCC' ><TD><b>Ending balance </b> </TD><TD> <b>ENDING_BALANCE</b> </TD></TR> </TABLE></TD></TR></TABLE></CENTER> <P><DIV class=large>Payment Schedule</DIV> <HR SIZE=1> **REPEATING GROUP** <BR> <HR SIZE=1> <CENTER><P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER><br><br> </BODY> </HTML> "> <H1><CENTER>This Financial Calculator requires SUN's Java"! Plug-in. If you see this message you will need to download SUN's Java"! Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing  Install ActiveX Control . </CENTER></H1> <OL> You can also get SUN's Java"! Plug-in here: <A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java"! Plug-in!</b></A> <P>For more information about this Plug-in please visit: <A href="http://www.dinkytown.net/money/sunjvm.html" target=_blank><b>SUN's Java"! Plug-in</b></A> <BR>For more information these financial calculators please visit: <A href="http://www.dinkytown.net" target=_blank><b>Financial Calculators from KJE Computer Solutions, LLC</b></A> </OL><!--[if IE]></OBJECT><![endif]--><![if !IE]></APPLET><![endif]> </CENTER><CENTER><SCRIPT>document.write(showbuttons())</SCRIPT> </CENTER> <H1>Definitions</H1><P><TABLE align='center' WIDTH="95%"><TR><TD><DL><!--DEFN_START--> <DT><B>Loan amount</B><DD>Total dollar amount of your loan.<P> <DT><B>Interest rate (APR)</B><DD>The annual percentage rate for this loan or line of credit.<P> <DT><B>Term in months</B><DD>Number of months for this loan or line of credit.<P> <DT><B>Fixed loan term</B><DD>Traditional amortization produces a fixed monthly payment. The monthly payment calculated will leave a zero balance at the end of the loan's term.<P> <DT><B>2%, 1.5% or 1% of balance</B><DD>Your minimum payment is calculated as a percentage of the outstanding principal balance. Your minimum payment will change each month, and if you only make the minimum payment your balance will not be zero at the end of your loan's term.<P> <DT><B>100% of interest owed</B><DD>For lines paying interest owed, your payment is 100% of the interest accrued during the month but no principal. Your payment may not be fixed if your interest rate or principal balance changes. <!--DEFN_END--></DL></TD></TR></TABLE> <BR> <HR SIZE=1> <CENTER> <P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER> <BR> </BODY> </HTML>