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HP 10bII Financial Calculator, Brand New and Factory Sealed in original retail clamshell packaging. This essential business tool features over 100 built-in functions for finance, business, and statistics. Key details: - Quickly calculates TVM (Time Value of Money), loan payments, interest rates, amortization, and cash flows (NPV, IRR). - Over 100 finance, business, and statistics functions including margin and markup. - Permitted for use on the CFP certification exam. - Compact and easy-to-use design suitable for students and professionals in real estate, banking, and finance. Condition: New and unopened. The outer plastic packaging is factory sealed and shows minimal shelf wear.