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Disclaimer: Calculators are provided as a free service to our users. No guarantee, explicit or implied, is made regarding their accuracy or suitability to a specific purpose. The result of this calculation should not be taken as a statement of one's credit-worthiness, but rather a general guideline of industry practices. Furthermore, calculation results are not to be construed as an offer to extend credit, under any terms, to any individual by Citizens National Bank. Use of any calculator on this site or sites we link to shall constitute acceptance of the terms of this agreement.