Mobile Banker - Key Features: 1. Bond 2. Scientific post-fix calculator 3. Calendar Companion 4. Consumer Finance - home, car and student loan 5. Depreciation 6. Forward & Future 7. Option 8. T-Bill 9. Time Value 10. Valuation 11. World Time 12. Yield Curve 13. Z-Score Details: Bond: 1. Straight Bond Value, 2. Convertible Bond (CB) Value (straight bond value, conversion value, and option value), Yield-to-Maturity(YTM), 3. Accrued Interest 4. Macaulay’''s Duration, Modified Duration, Dollar Duration, % price change to interest rates (Volatility) and price value of a basis point (PVBP). 5. Graph Scientific-Postfix Calculator: 1. 20 Basic Arithmetic Operations 2. Ability to specify and perform fractions 3. 5 Probability Operations 4. 4 Memory Operations 5. 13 Trigonometry operations 6. 5 Statistics functions + data repeat 7. Specify significance and precision 8. Simplify mixed fractions Calendar Companion: 1. Difference between two dates in years, months, weeks and days 2. Add/subtract days/weeks/months/years to/from a date 3. Day of week of a date 4. Save date format Consumer Finance: 1. Auto Finance - amortization, comparison, lease, lease vs. buy and hybrid break even point analysis 2. Home Finance - affordability, APR, amortization, comparison, cost, duration & qualification 3. Student Loan Finance - student loan consolidation, amortization and comparison 4. Graphs and charts 5. Save and e-mail result Depreciation: Features: 1. Straight line 2. Production or Use 3. and Accelerated Depreciation Methods. 4. Accelerated Depreciation covers Declining Balance, Sum-of-Years'' Digits & MACRS. 5. MACRS includes residential rental and non-residential real property. 6. Save & e-mail 7. Graphs of ending book value and accumulated depreciation Forward & Future: 1. Computes American and European Call and Put price for foreign currency 2. Computes option Greeks 3. Computes Rho 2 (option price sensitivity to foreign interest rate) 4. Implied volatility for American and European option price 5. Save and e-mail option price and Greeks 6. Profit graphs of option strategies Option: 1. Computes American and European option price for equity (including equity index), foreign currency option and futures 2. Computes Option Greeks 3. Implied volatility 4. Save/e-mail option price and Greeks 5. Call, put, covered call and protective put option strategy profit diagrams T-Bill: Computes price and equivalent bond yield when discount rate is supplied for Treasury Bills. When price is supplied, yield is computed. Settlement and Maturity dates can be selected or maturity time can be entered. Conventionally T-Bill face value is $100, maturity can not exceed 1 year, Year=360 days and month=30 days. Time Value: 1. Amortization with save/e-mail and graphs 2. Loan Comparison with save/e-mail and graphs 3. Estimated Annual Cost 4. Interest Rate - Simple, Compound, Annuity, Perpetuity, Effective Annual Rate (EAR) and Nominal/Real interest rate 5. NPV/IRR 6. Time Value - PV, FV, Time and Interest Valuation: 1. Adjusted Present Value (APV) from FCF, PVFD, PVTS, tax rate,Ra 2. Un-lever equity Beta from equity beta, debt beta, tax rate, debt/equity (leverage) and re-lever asset beta to debt/equity (leverage) to derive equity beta 3. Weighted average Cost of Capital (WACC) 4. Weighted average Cost of Capital Valuation World Time: 1. Select city and time zone from region 2. Selection of 600 time zones and 600 cities (242 capitals) available 3. Save cities, time zones, date input format, country specific display format, base city and base time zone 4. Jump to base city and time zone 5. Obtain local time, search and convert Yield Curve: Plots US Treasury Yield Curve Z-Score: This application computes Z-Score, bankruptcy probability and interprets Z-Score from market value measures; such as, Net Working Capital (NWC), Retained Earnings (R/E), Earnings Before Interest & Taxes (EBIT) Market Value of Equity, Book Value of Liability, Sales and Total Asset using Altman''s Z-Score model.