Calculators are provided for illustrative purposes only, and the information obtained by using the Calculator is not, and should not be taken as, legal. financial, investment or business advice to any person or company. All Calculators are provided “as is”, without warranty of any kind. The information which you calculate from this Calculator is intended for use by you as a guide only, it is not an offer and has no legal effect on any contracts entered into by you. The calculations do not constitute a loan application or offer. The figures and formulas used within this Calculator may change at any time without notice. Please contact your advisors regarding your specific needs.