AMORTANCE — SAMPLE CALCULATION REVIEW Synthetic data · Illustrative exported results · Currency: USD SCOPE One synthetic dental plan, DEMO-DENTAL-01, with three checks shown below. The example is financed by the clinic. No borrower identity data is included. The amounts in the illustrative export are chosen to demonstrate matches and a difference under an explicitly selected contract rule. SELECTED RULES - Amount financed: $3,600.00; APR: 9.90%; 12 monthly payment dates. - Simple interest on outstanding principal, 30/360; no compounding. - Payments settle accrued interest before principal; amounts round to cents. - Insurance adjustment: effective from the date the plan began. - Added treatment: effective on the date performed. - Cancelled procedure: removed from the date the plan began. - Payment dates stay in place when the payment amount is recalculated. COMPARISON 1 plan · 3 checks · 2 matches · 1 difference Difference = recomputed amount minus the illustrative exported amount. Check | Exported USD | Recomputed USD | Difference USD | Status INS-01 | 233.99 | 233.99 | 0.00 | match ADD-01 | 258.16 | 258.16 | 0.00 | match CAN-01 | 533.31 | 636.23 | 102.92 | difference INS-01 — INSURANCE ADJUSTMENT, 2026-04-23 Insurance covers $870.00 more than estimated. Under the selected rule, the next payment becomes $233.99. The illustrative export matches it. The earlier March–April interest also changes from $29.70 to $22.52. Action: no change to the checked next-payment amount. ADD-01 — ADDED TREATMENT, 2026-05-14 An additional $238.00 of treatment is effective on the date performed. The next payment becomes $258.16. The illustrative export matches it. Action: no change to the checked next-payment amount. CAN-01 — CANCELLED PROCEDURE, 2026-10-05 The illustrative export removes the procedure on the cancellation date and returns $533.31. The selected contract rule removes it from the date the plan began and produces a refund of $636.23. Difference: $102.92 of earlier interest remains in the exported calculation. Action: apply the selected effective date and recalculate the full history. Owner: the platform team implements the agreed rule; the clinic confirms that the selected rule matches its contract. DECISION RECORD Keep the checked payment amounts for INS-01 and ADD-01. Resolve the effective-date difference in CAN-01 under the selected rule. If the actual contract instead uses the cancellation date, $533.31 is the correct refund. If the clause is unclear, record a rule requiring agreement; do not classify an unspecified policy as a calculation error. EVIDENCE AND LIMITS The full scenario also includes payments and the intermediate schedule. This sample compares the three named results only. It does not establish how often differences occur in a real portfolio or promise savings. Full scenario: https://amortance.com/dental Inputs and both policy outcomes: https://amortance.com/dental.json Independent verifier: https://amortance.com/verify.py Companion comparison: https://amortance.com/sample-review.csv An actual review records the agreed scope, supplied data, contract rules, checked results, causes, open questions and the action for each finding.