Welcome to LOAN AND MORTGAGE(TM) 
--------------------------------

Copyright (C) 1997-1998, FELITEC Inc.


TABLE OF CONTENTS
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 1. PRODUCT SPECIFICATIONS
 2. PRODUCT OVERVIEW
 3. MINIMUM SYSTEM REQUIREMENTS
 4. INSTALLATION INSTRUCTIONS
 5. LIST OF FILES
 6. TECHNICAL SUPPORT
 7. REGISTRATION
 8. UNINSTALL INSTRUCTIONS
 9. LICENSE AGREEMENT
10. PRODUCT UPGRADES


 1. PRODUCT SPECIFICATIONS
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   Product name:   Loan and Mortgage
        Version:   1.1a
   Version Date:   1998/02/20
   Product Type:   Shareware
       Category:   Home, Personal Finance
   Environments:   Windows 3.1x, Windows 95


 2. PRODUCT OVERVIEW
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    More than a financial calculator, Loan and Mortgage allows 
    you to keep track of your loan(s) and / or mortgage(s) 
    with a snap. For each payment of any loan or mortgage, it 
    calculates amortization detail information such as:

	* Payment Interest,
	* Payment Capital,
	* Interest to Date,
	* Capital to Date and
	* Loan Balance.

    Loan and Mortgage lets you select the columns you want
    to see and the order in which you want to see them.
    Loan and Mortgage answers many questions that you would 
    otherwise have to address to your financial institution, 
    without the trouble or intimidation that too often 
    accompanies this process.

    Choose between printing the complete amortization table, 
    a specific range of payments or a simple summary. 

    Have any number of tables opened at a time and tile them, 
    cascade them or switch between them to compare their content. 

    Choose between Daily, Weekly, Bi-Weekly, Monthly, Quarterly,
    Semi-Annually and Annually for each, the interest 
    capitalization and payment frequency. 

    Even if Loan and Mortgage is very simple and intuitive to use, 
    its context sensitive help is at your finger tip throughout 
    the entire application. It contains financial problem examples 
    and step by step instructions to solve them. The Getting Started 
    section gets you familiar with the software in no time. 


 3. MINIMUM SYSTEM REQUIREMENTS
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    -> Personal computer running Windows 3.1x or Windows 95; 
    -> 2MB available hard disk space; 
    -> A mouse (optional but preferable); 
    -> A printer (optional).


 4. INSTALLATION INSTRUCTIONS
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    If you received this version of Loan and Mortgage in a ZIP 
    or self-extracting file, first extract the files to a blank 
    floppy disk or local directory of your choice.

    * On Windows 95:  select Run from the Taskbar Start menu, 
      type the full name of the setup file 
      (for example, C:\DNLOAD\SETUP.EXE), press the Enter key, 
      and follow the installation program instructions.

    * On Windows 3.1x:  activate the Program Manager, select 
      Run from the File menu, type the full name of the setup
      file (for example, C:\DNLOAD\SETUP.EXE), press the
      Enter key, and follow the installation program instructions.

    If you received this version of Loan and Mortgage on a 
    floppy disk, please follow the instructions on the disk label.

    NOTE: Setup will not modify any file currently existing on 
          your computer that is used by any program other than
	  Loan and Mortgage.


 5. LIST OF FILES
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    The distribution package of Loan and Mortgage v1.0a should 
    contain the following files:

	File name	Description
	---------	-----------
	SETUP.EXE	Loan and Mortgage installation program
	LAM.EXE		The Loan and Mortgage program itself
	LAMHELP.HLP	Loan and Mortgage program help file
	README.TXT	The current file
	LICENSE.TXT	Loan and Mortgage license agreement
	REGISTER.TXT	Instructions and order form to register
			Loan and Mortgage
	HISTORY.TXT	List of changes to Loan and Mortgage 
			since its first plubication
	FILE_ID.DIZ	Loan and Mortgage product description file.


 6. TECHNICAL SUPPORT
----------------------------------------
    FELITEC technical support is available to all registered 
    Loan and Mortgage license owners for one year starting on the 
    date they registered their software. However, in order to 
    improve the quality of our products and customer satisfaction, 
    we will consider any comment or suggestion received by regular 
    or electronic mail (E-mail). We will also provide technical 
    assistance by E-mail to any user in the process of installing 
    our software (evaluation or registered copy). 

    If you own a registered license and wish to get technical support 
    using our software, you can do so in any of the following manners: 

      Phone:  604-504-1686 (Monday to Friday, 9:00am - 5:00pm Pacific Time)
        Fax:  604-504-1683
     E-mail:  techsupp@felitec.com
       Mail:  FELITEC Inc.
              Technical Support Division
              Suite 44, 4607 KINGSWAY
              Burnaby BC	V5H 2B3
              CANADA

    Please provide your registration number with any request other 
    than software installation assistance or comments/suggestions. 
    You might also have to provide your security code and other 
    identification information for technical support requests 
    handle over the phone. 


 7. REGISTRATION
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    If you are using an evaluation copy of Loan and Mortgage and 
    wish to continue using it beyond the 30-day evaluation period, 
    you must register the software to do so.

    To register Loan and Mortgage by cheque or money order, simply 
    print the REGISTER.TXT file which contains the order form and
    registration instructions.

    To register Loan and Mortgage using your credit card either by 
    phone, fax or directly through Internet, please visit our web 
    site at www.felitec.com/lam.html.

    Once your order has been processed, you will receive a 
    registration number and security code allowing you to unlock 
    the software and eliminate the nagging screen. Registering will 
    also provide you with the following benefits:

	=> Free technical support for one year (long distance 
	   charges may apply)
	=> Automatic E-mail notification of product updates
	=> Free upgrades for one year (shipping and handling charges 
	   will apply to upgrades sent through regular mail)
	=> Discount on subsequent upgrades and new products

    Please do not underestimate the fact that registering your 
    software also allows us to improve our product quality and 
    to continue developping useful, simple to use and yet very 
    affordable new software products.


 8. UNINSTALL INSTRUCTIONS
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    To remove Loan and Mortgage from your system:

       Windows 3.1x users
	- Delete the directory in which Loan and Mortgage has been 
	  installed.
	- Delete the LAM.INF file that SETUP.EXE created during 
	  the installation in the WINDOWS\SYSTEM directory.
	- Delete each item related to Loan and Mortgage from the
	  'FELITEC Apps' program group.
	- Delete the 'FELITEC Apps' program group (if it does not
	  contain any other items).

       Windows 95 users
	- Delete the directory in which Loan and Mortgage has been 
	  installed.
	- Delete the LAM.INF file that SETUP.EXE created during 
	  the installation in the WINDOWS\SYSTEM directory.
	- Remove the link to the Loan and Mortgage items from the
	  Start Menu:
		> Click the right mouse button on the Windows taskbar;
		> Select the 'Properties' option; 
		> Click the 'Start Menu Programs' tab;
		> Click the 'Remove...' button;
		> Remove each Loan and Mortgage item from the 
		  'FELITEC Apps' menu by selecting them and clicking 
		  the 'Remove' button;
		> Remove the 'FELITEC Apps' menu (unless it contains 
		  items related to other applications) by selecting it 
		  and clicking the 'Remove' button.
    

 9. LICENSE AGREEMENT
----------------------------------------
    The complete 'FELITEC LICENSE AGREEMENT' for Loan and Mortgage is 
    contained in the file LICENSE.TXT.


10. PRODUCT UPGRADES
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    Loan and Mortgage registered users can upgrade their version of 
    Loan and Mortgage free of charge for one year starting on their 
    registration date. Please note however that shipping and handling 
    charges will apply for upgrades sent by regular mail.

    Users who have specified an E-mail address with their registration 
    will be notified of new versions automatically. If you did not 
    specify an E-mail address with your registration but would like 
    to be notified automatically of new versions as well as new 
    products availability, please sign our guest book at 
    http://www.felitec.com/fmguest.html.

    You can also determine if you are using the most recent version of 
    Loan and Mortgage by comparing your version with the one advertized 
    on our Internet web site at http://www.felitec.com/lam.html. 


                THANK YOU FOR USING LOAN AND MORTGAGE
                -------------------------------------
