AMORTANCE — SAMPLE DEALER REVIEW
Synthetic data. Illustrative exported figures, not a customer finding.

Scope: one plan, two checks — the interest allocated in payment 13, and the
interest allocated in payment 15, which was already collected and reported.
Plan: DEMO-DEALER-01
Currency: USD

Selected contract rules
- Simple interest at 19.90% APR on outstanding principal, actual/365.
- Accrued interest is paid before principal.
- Payments are 235.35 every 14 days.
- The payment due on 3 July 2026 is deferred; interest continues to accrue.
- A $25.00 deferral fee is added to principal on 3 July.
- The next payment is collected on 17 July 2026.
- The service contract is canceled on 7 August 2026 and its refund of 1,270.84
  is credited as of that date. The administrator's check arrives on 28 August,
  after payment 15 was collected on 14 August.

Difference = recomputed minus the illustrative exported amount.

Check | Exported | Recomputed | Difference | Status
DEF-01 | 107.45 | 214.71 | 107.26 | difference
REP-01 | 106.31 | 101.47 | -4.84 | difference

DEF-01 — INTEREST IN PAYMENT 13, 2026-07-17
The illustrative export charges only the interest from 3–17 July.
The selected contract also requires the unpaid interest from 19 June–3 July.
That leaves 107.26 allocated to principal instead of accrued interest.
Action: carry the deferred interest forward and replay the schedule from
3 July, then compare the resulting principal and subsequent balances.

REP-01 — INTEREST IN PAYMENT 15, 2026-08-14
This is the check a forward-only correction cannot reach. Payment 15 was
collected on 14 August and was not reversed. Under the selected rule the
refund takes effect on 7 August, so the balance that payment actually met
was lower than the one it was split against three weeks before the check
arrived. Interest falls from 106.31 to 101.47 and the same 4.84 reaches
principal instead; every payment after it inherits the difference.
Action: replay from 7 August and re-split the payments already collected
after that date. No payment is reversed and no money moves — what changes
is the allocation and the balance carried forward.

Limits
Both findings follow the selected contract rules and cover two synthetic
checks. Unclear terms must be agreed before a difference is classified as an
error: if the contract credits the refund when the money arrives instead,
106.31 is the correct split and REP-01 is not a finding.

Full calculation: https://amortance.com/dealer.html
Inputs and expected results: https://amortance.com/bhph.json
Independent verifier: https://amortance.com/verify.py
Companion comparison: https://amortance.com/sample-review-dealer.csv