| <?xml version="1.0" encoding="UTF-8"?> |
| <org.eclipse.epf.uma:GuidanceDescription xmi:version="2.0" |
| xmlns:xmi="http://www.omg.org/XMI" xmlns:org.eclipse.epf.uma="http://www.eclipse.org/epf/uma/1.0.5/uma.ecore" |
| xmlns:epf="http://www.eclipse.org/epf" epf:version="1.5.0" xmi:id="-ev_Paqsh3jUiSVi8jJqDqg" |
| name="new_example,_ZDdmQDSmEdyTBtGu8YeFfg" guid="-ev_Paqsh3jUiSVi8jJqDqg" authors="Jerome Boyer" |
| changeDate="2008-09-04T15:35:44.593-0700"> |
| <mainDescription><a id="XE_decision_point__discovery_example" name="XE_decision_point__discovery_example"></a> 
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| <p class="MsoNormal" style="MARGIN: 3pt 0cm">
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| <span style="mso-bidi-language: HE">The interviews with the underwriter, subject matter expert, gives the rule
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| development team the following information:</span>
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| </p>
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| <ul style="MARGIN-TOP: 0cm" type="disc">
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| <li class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; tab-stops: list 36.0pt; mso-list: l1 level1 lfo2">
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| The loan application contains information about the applicant (his name, his employment status, etc…) in a special
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| form called the <i style="mso-bidi-font-style: normal">1003</i> form, also known as the Uniform Residential Loan
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| Application form.
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| </li>
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| <li class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; tab-stops: list 36.0pt; mso-list: l1 level1 lfo2">
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| The 1003 also contains information about the mortgage type that the applicant has selected (interest rate, term,
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| purpose, etc…) and about the property (property type, address, etc…).
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| </li>
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| <li class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; tab-stops: list 36.0pt; mso-list: l1 level1 lfo2">
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| The underwriter starts by looking at the 1003 to perform some basic verification on the application, such as
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| checking that the age of the primary applicant is at least 18, or that the primary applicant is a permanent US
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| resident. If any of these conditions is not met, the application is rejected.
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| </li>
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| <li class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; tab-stops: list 36.0pt; mso-list: l1 level1 lfo2">
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| If the application passes the initial validation, the underwriter then gathers the credit data for the primary
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| borrower and the co-borrower if there is one. This consists in retrieving the applicants detailed credit
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| information, such as details on their different lines of credits (e.g. credit cards, car loan, possible
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| bankruptcies) and their previous mortgage history (possible foreclosures and mortgage lates) from several external
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| services called credit bureaus. From the combined information, the underwriter calculates the value of different
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| parameters such as the <i style="mso-bidi-font-style: normal">credit score</i> and the <i
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| style="mso-bidi-font-style: normal">risk grade</i>.
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| </li>
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| <li class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; tab-stops: list 36.0pt; mso-list: l1 level1 lfo2">
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| The company offers several loan programs relying on different risk criteria: <i
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| style="mso-bidi-font-style: normal">ScoreTrust</i> is the most popular program and relies on a combination of
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| credit score and mortgage lates grading.
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| </li>
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| <li class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; tab-stops: list 36.0pt; mso-list: l1 level1 lfo2">
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| The credit score considered by <i style="mso-bidi-font-style: normal">the company</i> is the middle of the 3 score
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| provided by the credit agencies or the lower of the score if there is less than 2 reporting agencies available.
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| </li>
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| <li class="MsoNormal" style="MARGIN: 3pt 0cm; tab-stops: list 36.0pt; mso-list: l1 level1 lfo2">
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| Then, the underwriter reviews the <i style="mso-bidi-font-style: normal">eligibility</i> of the borrowers for the
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| selected loan program. The eligibility step is assessing: 
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| <ul style="MARGIN-TOP: 0cm" type="circle">
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| <li class="MsoNormal" style="MARGIN: 3pt 0cm; tab-stops: list 72.0pt; mso-list: l1 level2 lfo2">
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| The risk is taking in lending money to the applicants using in particular the credit score and the risk
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| grade determined from the credit information.
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| </li>
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| <li class="MsoNormal" style="MARGIN: 3pt 0cm; tab-stops: list 72.0pt; mso-list: l1 level2 lfo2">
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| The validity of the loan with respect to certain state laws or to company specific guidelines.
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| </li>
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| </ul>
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| </li>
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| <li class="MsoNormal" style="MARGIN: 3pt 0cm; tab-stops: list 36.0pt; mso-list: l1 level1 lfo2">
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| The assessment will result in either accepting the application, referring it for further (manual) review, or
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| rejecting it: 
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| <ul style="MARGIN-TOP: 0cm" type="circle">
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| <li class="MsoNormal" style="MARGIN: 3pt 0cm; tab-stops: list 72.0pt; mso-list: l1 level2 lfo2">
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| If the risk is too big, the loan application will be referred for further review (e.g. the applicants may
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| be proposed another type of loan).
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| </li>
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| <li class="MsoNormal" style="MARGIN: 3pt 0cm; tab-stops: list 72.0pt; mso-list: l1 level2 lfo2">
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| If the loan does not comply with the state guidelines or&nbsp;the company&nbsp;own guidelines, the
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| application will be rejected.
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| </li>
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| <li class="MsoNormal" style="MARGIN: 3pt 0cm; tab-stops: list 72.0pt; mso-list: l1 level2 lfo2">
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| If the risk is acceptable and the request is conform to the eligibility guidelines, the loan request is
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| accepted and a corresponding <i style="mso-bidi-font-style: normal">LTV</i> will be determined from <i
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| style="mso-bidi-font-style: normal">LTV guides sheets</i> for each program.
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| </li>
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| </ul>
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| </li>
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| <li class="MsoNormal" style="MARGIN: 3pt 0cm; tab-stops: list 36.0pt; mso-list: l1 level1 lfo2">
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| During the eligibility verification step, a set of <i style="mso-bidi-font-style: normal">stipulations</i> and <i
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| style="mso-bidi-font-style: normal">conditions</i> messages (for example: "Cash-on-hand must be verified back to
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| the source.") are also collected and will be reported on the underwritten loan offer.
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| </li>
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| </ul>
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| <ul style="MARGIN-TOP: 0cm" type="disc">
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| <li class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; tab-stops: list 36.0pt; mso-list: l0 level1 lfo1">
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| The next step is the <i style="mso-bidi-font-style: normal">pricing</i> activity. The purpose of this step is to
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| determine the final rate of the loan, using the rate sheet for the selected loan program and applying different
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| adjustments based on property and applicant characteristics. It is important to record the breakdown of the pricing
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| (i.e. the value of base rate, the different adjustments, etc…) for audit purpose.
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| </li>
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| <li class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; tab-stops: list 36.0pt; mso-list: l0 level1 lfo1">
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| The pricing for a loan is determined using the appropriate loan program <i style="mso-bidi-font-style: normal">rate
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| sheets</i>. These rate sheets are tables which give the base rate for a given credit score, risk grade and LTV
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| (Loan To Value). The rate sheets also define the different adjustments.
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| </li>
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| <li class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; tab-stops: list 36.0pt; mso-list: l0 level1 lfo1">
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| Once the loan is priced, the complete response (including the loan amount, the rate, stipulations and conditions)
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| goes to the Loan Origination System for closing.
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| </li>
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| </ul><br class="MsoNormal" style="MARGIN: 3pt 0cm" />
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| <br />
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| <p class="MsoNormal" style="MARGIN: 3pt 0cm">
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| <span style="mso-bidi-language: HE">From these information we can draw a high level process map which will help us to
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| extract some decision points. We do not need to detail the tasks for the purpose of this sample.</span>
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| </p><br class="MsoNormal" style="MARGIN: 3pt 0cm" />
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| <br />
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| <p class="MsoNormal" style="MARGIN: 3pt 0cm; TEXT-ALIGN: center" align="center">
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| <img height="600" alt="" src="./resources/LoanApplicationBPM.bmp" width="357" />
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| </p>
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| <p class="MsoNormal" style="MARGIN: 3pt 0cm">
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| From a first study we can see that there are a lot of decisions and expertise in the data validation and eligibility
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| steps, that for sure are important decision points to work one. So the discovery roadmap will be articulate to organize
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| workshops on those two steps. In fact the others steps like "Calculate Risk grade and credit score", "select loan
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| program", and "pricing" are also candidate for rules discovery, as risk management and pricing includes a lot of
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| exceptional policies a company may want to have the flexibility to change often to adapt to competition and market
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| changes. This loan application processing sample is following a simple business process, we will design using a process
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| map. So we will use a business process oriented discovery approach to model the loan application processing.
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| </p><br class="MsoNormal" style="MARGIN: 3pt 0cm" />
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| <br />
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| <p class="MsoNormal" style="MARGIN: 3pt 0cm">
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| The decision points table may look like:
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| </p><br class="MsoNormal" style="MARGIN: 3pt 0cm" />
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| <br />
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| <div align="center">
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| <table class="ISISTable"
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| style="BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: medium none; WIDTH: 601.75pt; BORDER-BOTTOM: medium none; BORDER-COLLAPSE: collapse; mso-border-alt: solid silver 1.0pt; mso-yfti-tbllook: 480; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-border-insideh: 1.0pt solid silver; mso-border-insidev: 1.0pt solid silver"
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| cellspacing="0" cellpadding="0" width="802" border="1">
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| <tbody>
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| <tr style="HEIGHT: 15.75pt; mso-yfti-irow: -1; mso-yfti-firstrow: yes">
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| <td
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| style="BORDER-RIGHT: gray 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: gray 1pt solid; PADDING-LEFT: 5.4pt; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0cm; BORDER-LEFT: gray 1pt solid; WIDTH: 55.05pt; PADDING-TOP: 0cm; BORDER-BOTTOM: gray 1pt solid; HEIGHT: 15.75pt"
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| valign="top" width="73">
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| <p class="MsoNormalCxSpMiddle"
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| style="TEXT-ALIGN: center; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto; mso-yfti-cnfc: 1"
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| align="center">
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| <b><i style="mso-bidi-font-style: normal"><span
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| style="FONT-SIZE: 12pt; COLOR: #005da0; FONT-FAMILY: 'Times New Roman'; mso-bidi-language: HE">Decision
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| Point Name</span></i></b>
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| </p>
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| </td>
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| <td
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| style="BORDER-RIGHT: gray 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: gray 1pt solid; PADDING-LEFT: 5.4pt; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 209.3pt; PADDING-TOP: 0cm; BORDER-BOTTOM: gray 1pt solid; HEIGHT: 15.75pt; mso-border-left-alt: solid gray 1.0pt"
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| valign="top" width="279">
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| <p class="MsoNormalCxSpMiddle"
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| style="TEXT-ALIGN: center; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto; mso-yfti-cnfc: 1"
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| align="center">
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| <b><i style="mso-bidi-font-style: normal"><span
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| style="FONT-SIZE: 12pt; COLOR: #005da0; FONT-FAMILY: 'Times New Roman'; mso-bidi-language: HE">Description</span></i></b>
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| </p>
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| </td>
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| <td
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| style="BORDER-RIGHT: gray 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: gray 1pt solid; PADDING-LEFT: 5.4pt; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 107.7pt; PADDING-TOP: 0cm; BORDER-BOTTOM: gray 1pt solid; HEIGHT: 15.75pt; mso-border-left-alt: solid gray 1.0pt"
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| valign="top" width="144">
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| <p class="MsoNormalCxSpMiddle"
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| style="TEXT-ALIGN: center; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto; mso-yfti-cnfc: 1"
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| align="center">
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| <b><i style="mso-bidi-font-style: normal"><span
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| style="FONT-SIZE: 12pt; COLOR: #005da0; FONT-FAMILY: 'Times New Roman'; mso-bidi-language: HE">Source
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| for Rule Discovery</span></i></b>
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| </p>
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| </td>
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| <td
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| style="BORDER-RIGHT: gray 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: gray 1pt solid; PADDING-LEFT: 5.4pt; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 159.55pt; PADDING-TOP: 0cm; BORDER-BOTTOM: gray 1pt solid; HEIGHT: 15.75pt; mso-border-left-alt: solid gray 1.0pt"
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| valign="top" width="213">
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| <p class="MsoNormalCxSpMiddle"
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| style="TEXT-ALIGN: center; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto; mso-yfti-cnfc: 1"
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| align="center">
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| <b><i style="mso-bidi-font-style: normal"><span
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| style="FONT-SIZE: 12pt; COLOR: #005da0; FONT-FAMILY: 'Times New Roman'; mso-bidi-language: HE">Current</span></i></b><b><i
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| style="mso-bidi-font-style: normal"><span
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| style="FONT-SIZE: 12pt; COLOR: #005da0; FONT-FAMILY: 'Times New Roman'; mso-bidi-language: HE">State</span></i></b><b><i
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| style="mso-bidi-font-style: normal"><span
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| style="FONT-SIZE: 12pt; COLOR: #005da0; FONT-FAMILY: 'Times New Roman'; mso-bidi-language: HE">of
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| Automation</span></i></b>
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| </p>
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| </td>
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| <td
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| style="BORDER-RIGHT: gray 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: gray 1pt solid; PADDING-LEFT: 5.4pt; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 70.15pt; PADDING-TOP: 0cm; BORDER-BOTTOM: gray 1pt solid; HEIGHT: 15.75pt; mso-border-left-alt: solid gray 1.0pt"
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| valign="top" width="94">
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| <p class="MsoNormalCxSpMiddle"
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| style="TEXT-ALIGN: center; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto; mso-yfti-cnfc: 1"
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| align="center">
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| <b><i style="mso-bidi-font-style: normal"><span
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| style="FONT-SIZE: 12pt; COLOR: #005da0; FONT-FAMILY: 'Times New Roman'; mso-bidi-language: HE">Rule
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| Owner -</span></i></b>
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| </p>
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| <p class="MsoNormalCxSpMiddle"
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| style="TEXT-ALIGN: center; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto; mso-yfti-cnfc: 1"
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| align="center">
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| <b><i style="mso-bidi-font-style: normal"><span
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| style="FONT-SIZE: 12pt; COLOR: #005da0; FONT-FAMILY: 'Times New Roman'; mso-bidi-language: HE">SME</span></i></b>
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| </p>
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| </td>
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| </tr>
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| <tr style="mso-yfti-irow: 0">
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| <td
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| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: silver 1pt solid; WIDTH: 55.05pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-top-alt: solid silver 1.0pt"
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| valign="top" width="73">
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| <p class="MsoNormalCxSpMiddle"
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| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
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| <font face="Times New Roman"><span style="FONT-SIZE: 8pt; mso-bidi-font-size: 12.0pt">Data
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| validation</span></font>
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| </p>
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| </td>
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| <td
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| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 209.3pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
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| valign="top" width="279">
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| <p class="MsoNormalCxSpMiddle"
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| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
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| <span
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| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
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| face="Times New Roman">Validate the information entered around the borrower, the amount requested,
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| the property</font></span>
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| </p>
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| </td>
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| <td
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| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 107.7pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
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| valign="top" width="144">
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| <p class="MsoNormalCxSpMiddle"
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| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
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| <span
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| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
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| face="Times New Roman">1003 forms</font></span>
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| </p>
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| <p class="MsoNormalCxSpMiddle"
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| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
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| <span
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| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
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| face="Times New Roman">Legal document per state and federal</font></span>
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| </p>
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| </td>
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| <td
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| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 159.55pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
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| valign="top" width="213">
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| <p class="MsoNormalCxSpMiddle"
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| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
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| <span
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| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
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| face="Times New Roman">Some rules are implemented in the current GUI used to enter the data In the
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| system</font></span>
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| </p>
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| </td>
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| <td
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| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 70.15pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
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| valign="top" width="94">
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| <p class="MsoNormalCxSpMiddle"
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| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
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| <span
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| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
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| face="Times New Roman">John</font></span>
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| </p>
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| </td>
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| </tr>
 |
| <tr style="mso-yfti-irow: 1">
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| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: silver 1pt solid; WIDTH: 55.05pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="73">
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| <p class="MsoNormalCxSpMiddle"
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| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
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| <font face="Times New Roman"><span style="FONT-SIZE: 8pt; mso-bidi-font-size: 12.0pt">Calculate
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| Risk grade and credit score</span></font>
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| </p>
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| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 209.3pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="279">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
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| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">calculates the value of different parameters such as the credit score and
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| the risk grade</font></span>
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| </p>
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| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 107.7pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="144">
 |
| <p class="MsoNormalCxSpMiddle"
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| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
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| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">Score cards</font></span>
 |
| </p>
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">Excel files of the underwriter</font></span>
 |
| </p>
 |
| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 159.55pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="213">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">none</font></span>
 |
| </p>
 |
| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 70.15pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="94">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">Jack</font></span>
 |
| </p>
 |
| </td>
 |
| </tr>
 |
| <tr style="mso-yfti-irow: 2">
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: silver 1pt solid; WIDTH: 55.05pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="73">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span style="FONT-SIZE: 8pt; mso-bidi-font-size: 12.0pt"><font face="Times New Roman">Select a loan
 |
| program</font></span>
 |
| </p>
 |
| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 209.3pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="279">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">Loan program can be defined as a set of conditions a borrower and the
 |
| property may need to respect.</font></span>
 |
| </p>
 |
| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 107.7pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="144">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">Program definition and stipulation</font></span>
 |
| </p>
 |
| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 159.55pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="213">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">none</font></span>
 |
| </p>
 |
| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 70.15pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="94">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">Julie</font></span>
 |
| </p>
 |
| </td>
 |
| </tr>
 |
| <tr style="mso-yfti-irow: 3">
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: silver 1pt solid; WIDTH: 55.05pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="73">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <font face="Times New Roman"><span
 |
| style="FONT-SIZE: 8pt; mso-bidi-font-size: 12.0pt">Eligibility</span></font>
 |
| </p>
 |
| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 209.3pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="279">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">Review the eligibility of the borrower for the selected loan
 |
| program</font></span>
 |
| </p>
 |
| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 107.7pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="144">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">Underwriting policies</font></span>
 |
| </p>
 |
| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 159.55pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="213">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">none</font></span>
 |
| </p>
 |
| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 70.15pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="94">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">Paul</font></span>
 |
| </p>
 |
| </td>
 |
| </tr>
 |
| <tr style="mso-yfti-irow: 4; mso-yfti-lastrow: yes">
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: silver 1pt solid; WIDTH: 55.05pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="73">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">Pricing</font></span>
 |
| </p>
 |
| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 209.3pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="279">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">Price the loan</font></span>
 |
| </p>
 |
| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 107.7pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="144">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">Pricing list</font></span>
 |
| </p>
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">Score cards</font></span>
 |
| </p>
 |
| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 159.55pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="213">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">There is an existing application</font></span>
 |
| </p>
 |
| </td>
 |
| <td
 |
| style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 70.15pt; PADDING-TOP: 0cm; BORDER-BOTTOM: silver 1pt solid; BACKGROUND-COLOR: transparent; mso-border-left-alt: solid silver 1.0pt; mso-border-top-alt: solid silver 1.0pt"
 |
| valign="top" width="94">
 |
| <p class="MsoNormalCxSpMiddle"
 |
| style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-add-space: auto">
 |
| <span
 |
| style="FONT-SIZE: 8pt; mso-bidi-language: HE; mso-bidi-font-size: 12.0pt; mso-bidi-font-family: Arial"><font
 |
| face="Times New Roman">Mary</font></span>
 |
| </p>
 |
| </td>
 |
| </tr>
 |
| </tbody>
 |
| </table>
 |
| </div><br class="MsoNormal" style="MARGIN: 3pt 0cm" />
 |
| <br /></mainDescription> |
| </org.eclipse.epf.uma:GuidanceDescription> |