Do NOT download this app! - if you do not know how Android API works. The application needs access to the user dictionary, which unfortunately is reported as "cards and billing". Please do NOT download this app if you do not understand this text and how Android permissions work. Please STOP rating the app with 1* ! Only download, use and rate this application if you are EDUCATED in how the Android API works! Write faster SMSes and email by using predefined expressions. UDM allows to edit/