Callablem non-callable bond premiums and discounts amortization    Financial Data Support Systems, Inc. Software products: Loan Files: FASB for originated, purchased loans MBS loan Packages premiums, discounts amortization MCA Merchant Cash Advance discounts FASB 91: All products   Bond  Purchasers, Callable, Non-Callable Bonds Bond  Issuers, premiums and discounts amortization Corporate Debt  Issuers GAAP costs amortization Prepaid Expenses, Deferred Charges amortization Deferred Income, Unearned Revenue amortization Fixed Assets, FF&E Straight Line depreciation     Client Files: Prepaids, Fixed Assets, Deferred Income   4+4+5, daily, weekly, any date-to-date amortization Home page About, contact us

Hard to find GAAP recognition software     •     PC, laptop, work station, shared network or cloud based system     •     Windows 7,10,11 Bond Purchasers Callable and Non-Callable Bonds GAAP discount accretion, premium amortization software Straight Line Method Scroll down for      Highlights      Price page      Free demo Bond accounting software for callable purchased bonds and other investments GAAP Effective Interest Method, level yield, constant rate (also available using Straight Line Method) Easily manage dozens, hundreds, thousands of investments      •  Premium amortization      •  Discount accretion      •  OID for applicable bonds Coupon interest      •  Total cash due this month      •  Total earned since previous payment      •  Accrued monthly interest Or, if your browser permits, open the above Excel file with sample reports right now: Note:  Depending upon your browser, the file might open and/or also be saved in your Downloads folder. Click Excel sample reports file

Individual bond + file totals for      •  Any month      •  Entire calendar or fiscal year      •  Other periods from any month ranging up to 60 months      •  Generate results in a matter of seconds Account for      Corporate bonds      Municipal bonds      Callable and non-callable bonds:           With or without a call price           With or without OID (original issue discount also amortized by the software)           Partial calls, early redemptions, partial sales      Convertible bonds           The software calculates a constant rate to maturity using initial and convertible rates      Hospital bonds      Agencies      Treasuries      Bills      Notes      GNMAs, MBS, CMOs - account for declining par balances (for more robust accounting, see our FASB 91 version)           The software recognizes a proportionate amount of premium or discount based upon the dollar reduction to Par      Special issues      PIKs - payment in kind with increases to par      Other investments with or without reductions to par Virtually any premium or discount instrument having      Fixed rate      Variable rate      Zero rate      Convertible rate      360, 365, 366 day basis Monthly and yearly      Premium amortization      Discount accretion      Earned interest           360 day years (default) and 365, 366 day basis at the record level      Monthly totals      Yearly totals      Calendar and fiscal period book values, cost basis, carrying balances      Monthly reports      Annual reports      GAAP, FASB compliant, effective interest rate calculations      Detail month-by-month audit recognition schedule for any record on demand Already amortizing premiums and discounts?      The software can preserve current income and expense deferral balances.      No adjusting journal entries. The software can also amortize premiums and discounts from original begin dates.     Reports .... User defined subtotals listing      Discounts:           All bonds with discounts and subtotals by desired category           Par, Original Discount, Discount Accretion, Discount Balance, Cost Basis Book Value      Premiums:           All bonds with premiums and subtotals by desired category           Par, Original Premium, Premium Amortization, Premium Balance, Cost Basis Book Value      Portfolio totals Cash Due report each month showing      Coupon interest due on:           1st of month           15th of month           Other due dates      Purchased interest due      Par due as a result of:           Maturities           Sales           Calls:                 Call date reached                 Early call, redemption                 Partial call, redemption Coupon Interest status report      Total amount earned to date       Interest earned but not yet due Net Earnings Recap      Earned interest      Premium amortization      Discount accretion      Net earnings Finalized Report for all bonds      Matured      Called      Sold Reconciliation Report      Beginning period balances:                Par                Premium balance                Discount balances      Activity for period                New additions                 Reductions to par                 Premium amortization                 Discount accretion      Net activity      Ending balances for all bonds and investments      Recap of interest earned Market Position report as of a given day      Cost Basis, Book Value compared to Market Value      Cost Basis, Book Value calculated as of any day     With reports      View      Send to printer      Send to Adobe      Send to Excel General Ledger version also includes Subsidiary Ledger report      Subtotals by user defined category, such as general ledger account Accrued Interest report      Interest earned for the month with journal voucher and general ledger posting file Journal Vouchers General ledger posting files for:      Premium and discount postings      Interest accrual postings   Configurations and settings for ....   Bond holders, individuals, investors, foundations, active traders      Discount accretion income, premium amortization expense:                Totals for each category                $Dollar weighted rates by category plus portfolio                Group totals for any user-defined purpose                Portfolio Net Earnings:                     Interest                     + Discount Income                     - Premium Expense                     = Net      Lifetime month-by-month schedule for each bond:                Audit detail amortization, accretion schedule for each record.      Cash due reporting:                Coupon interest plus Par due from maturities, calls and sales.      Annual reconciliation report:                Beginning balances, all activity, net activity, ending balances.    Client servicers, financial advisors, CPA accounting firms      Calculate all of the above for your clients.      Export reports covering:                Current month and year                Prior months and years                Future months and years      Amortization and accretion reports can span 1 to 60 months beginning with any month.                View reports                Send to printer                Send to Adobe                Send to Excel    Business - Add the General Ledger Module for      Subsidiary ledger account listing with:                Monthly recognition                Accumulated                Book value                Par, principal                Balances and totals by each account      Interest accruals:                Monthly earned income                Accrued receivable balance      Journal vouchers:                Debit, credit columns with totals      General ledger posting files:                Transactions formatted for posting to any general ledger system                Postings in a disk file or automatically exported to Excel   Price page and free demo  .... Effective Interest Method Click to open and view Price page which has a link to download a free demo zip file at any time. The free demo includes:      •  A live version of the software      •  Sample records      •  Ability to run all reports Straight Line Method Click to open and view Price page Download a free demo from the Price page which includes:      •  A live version of the software      •  Sample records      •  Run reports Amortization periods      Any prior, current, future:           Month           Year           Multiple years, calendar or fiscal for                     Each bond                     Totals for all bonds                     User defined Group totals                     Multiple bond files Interest and rate calculations:      Purchased interest:  Track and account for interest paid at time of purchase but not yet due      Accrued interest:  Current month income posting plus Accrued Receivable Account balances (for business)      Coupon interest:  Cash due this month:                                          Coupon interest                                          Purchased interest                                          Par due to sale, maturity, call                                          Total amount of coupon and purchased interest owed but not yet due      Earned interest:  Coupon rate earnings for a period irrespective of accrual or cash activity      Effective interest rate:  The difference between this and coupon rate determines level yield recognition       Constant yield rate:  Convertible bond earnings rate blending original and convertible coupon rates      Portfolio rate:  Dollar weighted average coupon and effective rates for all investments Amortize your investments      Software and bonds reside on your computer Amortize client investments      Import and calculate a file for/from one or more clients      Prior periods.  Current.  Future projections. GROUP      Group bonds and investments.  Obtain subtotals by any category.      Examples:                Group = Lot 123, Lot 456, Lot 789 .... (get subtotals for each lot)                Group = California, New York, Florida .... (get subtotals by each issuance state)                Group = Broker name1, Broker name 2 .... (get subtotals by each different broker)                Group = 2019, 2018, 2017 .... (get subtotals by each year of purchase)                Group using any category for which you require subtotals of all bonds and investments within each Group      Multiple worksheets.                Maintain bonds and investments in more than one worksheet.                Import and calculate one worksheet.                Import and calculate some or all worksheets. Call dates:      Amortize to Maturity date or      Amortize to a Call date including                Call price other than Par                Callable but not called                Partial calls, early redemptions Administrative:      Reconciliation worksheet for audits and exams               Beginning balances for Par, Premiums and Discounts               + Additions for the period               -  Activity for amortization, accretion, reductions to Par               =  Ending Balances                   Net Change summation      Mark to Market report - Book Value vs. Market Value position      Portfolio value as of any given day Month-by-month recognition schedule for each bond.  Annual subtotals.      Includes a bond amortization calculator for "what if" questions      What would happen if I sold an existing bond today?      Should I buy this new bond? Software and bonds reside on your system      Copy, export, archive results.      Income and expense, remaining balance, book value (cost basis), earned interest for each and totals for all records in a matter of seconds.          From original begin dates or          Current balances forward, as a conversion (no journal adjustments) MORE ABOUT REPORTS ....      •  View      •  Send to local or network printer      •  Automatically export to Adobe      •  Automatically export to Excel for internal and external distribution Report 1:   Enlarged view of the software import screen listing Another view of the Import screen, primarily so you can sort records by desired values, such as Coupon rate, Maturity date and more. Report 2:  Trial Balance report Premium, Discount recognition report.  Includes Journal Voucher and General Ledger Posting file. Typically for General Ledger Business Version. Premium amortization and discount accretion will be recognized for the selected calendar calculation month. Records will be sorted by the values in spreadsheet column U general ledger accounts. Totals will be provided for each account. Totals will be grouped within Discount and Premium categories. A Journal Voucher and General Ledger posting file will also be created. For non-business purposes, spreadsheet column U values can be used to generate subtotals for other purposes dealing with premiums and discounts. Report 3:  Net recap report for calendar month or period CASH interest +/- Discount, Premium amortization +/- Net Gain on sale. Cash coupon interest received during the report period (the calendar month or number of months) plus Discount recognition and minus Premium recognition. The result is NET earnings for the period based on coupon cash receipts. Report 4:  Finalized records report Net Gain or Loss for All records which have matured or otherwise ended their term. All records which have reached Maturity date, Call date, have been Sold, Paid Down to zero, Redeemed in full or otherwise finished their term. Report consists of Net Gain or Loss based on spreadsheet column M, Gain/Loss on sale and/or column O, Sale Proceeds. This report can also be used as a purge list when beginning a new year. Create a new spreadsheet with a file name dated for the new year. Delete records appearing on this report through the prior year end. Records will appear in the order they appear in the spreadsheet in order to facilitate the above. ABOUT COUPON INTEREST:  CASH vs. EARNED .... CASH: CASH and coupon interest due represent interest from one coupon payment date to the next. Actual cash activity and dates need not be logged (see the following regarding differences between calculated earned and cash interest receipts). The system "moves" spreadsheet column R Payment Due date, along with a prior due/accrue from date, forward and backward based on the calendar calculation month. EARNED: EARNED interest is the amount to which you are entitled, typically representing full month periods but also spanning the entire life of the record. Interest is always being earned regardless of whether or not interest is received as cash (whether it be cash, check, direct deposit and otherwise). Think of Earned Interest as having a job where you get paid on Friday. Come Thursday evening, you have earned 4 days worth of your pay even though you won't get the cash until Friday. This system calculates all interest based on spreadsheet values as they exist when imported. No calculations, report values or other results are ever saved from one import to another. Penny differences will likely arise between actual cash received and what is calculated by the system. Substantial differences may need to be investigated. Furthermore, coupon interest calculations in this software should never be used for tax or other reporting purposes. Instead, obtain and use the figures provided by the entity responsible for coupon payment disbursements. Report 5:  Net recap report for calendar month or period EARNED interest +/- Discount, Premium amortization +/- Net Gain on sale. Earned interest for the report period (the calendar month or number of months) plus Discount recognition and minus Premium recognition. The result is NET earnings for the period. Report 6:  Coupon Interest Status report All coupon interest due since previous payment minus Cash Due this month. Requires values in spreadsheet columns R and S (if columns R and S are blank, records will be flagged as missing required values). The system determines the amount of coupon interest earned through this month including cash interest due. This furnishes everything earned and due since prior coupon payment dates. Records will be sorted by the values in spreadsheet column T general ledger accounts. Totals will be provided for each value in spreadsheet column T. The report consists of records with a Begin Date equal to or earlier than the calendar month. Report 7:  Cash Due this month report Coupon interest payments plus any par reductions, sales, maturities occurring this month. Requires values in spreadsheet columns R and S (otherwise, records will be flagged as missing required values) . The report includes records having a coupon payment due date matching the selected calendar calculation month. The report will also include interest plus Par for records with a Maturity date, Sale date or other finalized reason date falling within the calendar month. Also included are any Net gain for sold bonds as well as Par for reductions to Par for the month. Subtotals are provided based on values in spreadsheet column T. The report can be printed and/or exported to Excel or another spreadsheet, enabling you to "tick off" cash receivables as they come in (it is not necessary to update the system with cash receipts). Records with a Begin Date later than the calendar month will be excluded. Records which have finalized, such as matured or called, in months PRIOR to the calendar month will be excluded. Report 8:  Accrued Interest report (requires General ledger module) What was Earned this month.  Includes Journal Voucher and General Ledger Posting File. Requires values in spreadsheet columns R, S and T (if columns R and S are blank, records will be flagged as missing required values). Typically for business (running this report is optional and not required for the system to operate). The system determines the amount of coupon interest to accrue for the selected calendar calculation month. Also provides a "Total Accrued" which includes applicable Purchased Interest for balancing to receivable accounts. Records will be sorted by the values in spreadsheet column T general ledger accounts. Totals will be provided for each account. A Journal Voucher and General Ledger posting file will also be created. The report consists of records with a Begin Date equal to or earlier than the calendar month. Records which have finalized, such as matured or called, in or prior to the calendar month will be excluded. RECONCILING RECEIVABLE ACCOUNTS: The Accrued Interest Report provides a subsidiary listing for general ledger receivable accounts. CASH INTEREST RECEIVED: Interest receipts can be posted directly to income. The Accrued Interest report and Accrued Interest Reversal report (below) eliminate the need to reconcile cash receipts to receivable accounts each month. Report 9:  Accrued Interest Reversal report (requires General ledger module) Reverse accruals for Cash Due that has been received.  Includes Journal Voucher and General Ledger Posting File. Requires values in spreadsheet columns R, S and T (if columns R and S are blank, records will not appear on this report). Typically for business (running this report is optional and not required for the system to operate). The system determines the amount of accrued interest to reverse for the selected calendar calculation month. Subtotals are provided based on values in spreadsheet column T. Prior month accruals are NOT being reversed. Reversals are created ONLY for records having a coupon payment due plus Matured, Called, Sold and records which Paid off in the selected reversal month. Reversal amount consists of accrued interest previously posted by the system for these records for ALL months, including Purchased Interest posted by you. The system calculates running accrual for bonds through the preceding month to determine the amount to reverse (bonds with accrued interest should not be deleted from the spreadsheet until reversals have been done). Records will be sorted by the values in spreadsheet column T general ledger accounts. Totals will be provided for each account. A Journal Voucher and General Ledger posting file will also be created. The report consists of records with a Begin Date equal to or earlier than the calendar month. Records must also have a Coupon Due date in spreadsheet column R and a column S code greater than 0. Records which have finalized, such as matured or called, in months PRIOR to the calendar month will be excluded.     Report 10:  Reconciliation Report for any month or annual period - Beginning balances plus activity for the period. Balances at the beginning of the desired period, plus additions for new records during the period, minus activity equals ending balances. Primarily used for reconciling changes to Balance Sheet accounts. Report 11:  Market Position Quote report. Compare Market Quote to Cost Basis calculated as of calendar 'did' day. The system will compare a Market Quote for a bond to the Cost Basis calculated as of (TO) the 'dd' date portion of the calendar date. Premiums and discounts are not recognized for the 'dd' date. Determine your portfolio position for each bond, with a total for all bonds.   Price page and free demo  .... Effective Interest Method Click to open and view Price page which has a link to download a free demo zip file at any time. The free demo includes:      •  A live version of the software      •  Sample records      •  Ability to run all reports Straight Line Method Click to open and view Price page Download a free demo from the Price page which includes:      •  A live version of the software      •  Sample records      •  Run reports If you don't see what you need .... Special project?  Pressed for time? We offer      •  Bond calculation services on a one-time or recurring basis      •  Software customization      •  Other amortization software products For more information, email Support@fdssi.com    Software and Price      •  Software and bond files reside on your computer      •  Software for Windows® software on a computer, laptop and network sharing systems    General Ledger Module      •  Trial Balance subsidiary listing report - par, book value, premium and discount balances within each account      •  Journal Voucher with debit, credit posting columns      •  Accrued interest calculations and reports      •  Auditor worksheet - Reconciliation Report for any month or entire year:      •  Balance Sheet:  Beginning balances, new additions, reductions, recognition, ending balances      •  P&L:  Interest, premium expense, discount income, gain/loss on sales, net income for the period      •  Each bond plus File Totals Recap     Records retention      •  No need to save reports or schedules on paper      •  Hard copy retention can be eliminated      •  Whenever a report is needed for any prior month, year or other period:               1)  Import the applicable Excel file containing your bond portfolio at that time                     Many clients "save as" and create a new file each year, and then delete matured and sold bonds from the new file.               2)  Set the software dropdown calendar date to the desired reporting month, year               3)  Run reports and schedules    Daily cost basis, book value      •  Current portfolio value      •  Comparison of Cost Basis/Book Values to Market quotes as of a given day                Enter market quotes or                Retrieve using Excel's RTD function to obtain quotes from an on-line source      •  Gain or loss if sold column      •  Each bond      •  Portfolio totals      •  Daily Cost Basis/Book Value listing for any date      •  EOM Mark to Market reporting    Accounting services firm?  Financial advisor? Do you prepare amortization reports for another party?      •  Import client bond file to the software                     File can be maintained by you or                     File can be maintained by client and emailed to you      •  Generate monthly, yearly bond amortization and other reports      •  Export results to Excel      •  Email to clients   Price Effective Interest Method, level yield Click to open and view Price page which has a link to download a free demo zip file at any time. The free demo includes:      •  A live version of the software      •  Sample records      •  Ability to run all reports      and download a free demo right now Straight Line Method      Click to open and view Price page      and download a free demo right now Bond file calculation services We can calculate a bond file on a one-time basis. Premium and discount amortization for a month.      For an entire calendar/fiscal year. Reports and supportive data are provided in Excel. For more information, Email  Bond file calculation services Questions? Don't see what you need? 1-800-245-8444 or email Support@fdssi.com

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