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