Implements model from chapter 11 of DMN 1.1 spec ns2:number ns2:string "S","M" ns2:string ns2:boolean ns2:number ns2:number ns2:number ns2:boolean ns2:number ns2:string "STANDARD LOAN","SPECIAL LOAN" ns2:number ns2:number ns2:number ns2:string "ELIGIBLE","INELIGIBLE" ns2:string "FULL","MINI","NONE" ns2:string "BUREAU","DECLINE","THROUGH" ns2:string "ACCEPT","DECLINE","REFER" ns2:string ns2:number Pre-Bureau Risk Category

"HIGH","MEDIUM" "FULL" "LOW" "MINI" "VERY LOW","DECLINE" "NONE"

Existing Customer Application Risk Score

false <100 "HIGH" false [100-120) "MEDIUM" false [120-130] "LOW" false >130 "VERY LOW" true <80 "DECLINE" true [80..90) "HIGH" true [90..110] "MEDIUM" true >110 "LOW"

Age [18..120] Marital Status "S","M" Employment Status "UNEMPLOYED","EMPLOYED","SELF-EMPLOYED","STUDENT"

[18..21] - - 32 [22..25] - - 35 [26..35] - - 40 [36..49] - - 43 >=50 - - 48 - "S" - 25 - "M" - 45 - - "UNEMPLOYED" 15 - - "STUDENT" 18 - - "EMPLOYED" 45 - - "SELF-EMPLOYED" 36

Risk Category "DECLINE","HIGH","MEDIUM","LOW","VERY LOW"

"HIGH","DECLINE" 0.6 "MEDIUM" 0.7 "LOW","VERY LOW" 0.8

Monthly Income – (Monthly Repayments + Monthly Expenses) Credit contingency factor table Risk Category if Disposable Income * Credit Contingency Factor > Required Monthly Installment then true else false Affordability Pre-Bureau Risk Category Pre-Bureau Affordability Age

"INELIGIBLE","ELIGIBLE"

"DECLINE" - - "INELIGIBLE" - false - "INELIGIBLE" - - <18 "INELIGIBLE" - - - "ELIGIBLE" Post-Bureau Risk Category Post-Bureau Affordability Bankrupt Credit Score "null",[0..999]

"DECLINE","REFER","ACCEPT"

- false - - DECLINE - - true - DECLINE "HIGH" - - - REFER - - - <580 "REFER" - - - - "ACCEPT" if Product Type = "STANDARD LOAN" then 20.00 else if Product Type = "SPECIAL LOAN" then 25.00 else null PMT(Rate, Term, Amount) Monthly Repayment + Monthly Fee Existing Customer Application Risk Score Credit Score

false <120 <590 "HIGH" false <120 [590..610] "MEDIUM" false <120 >610 LOW false [120..130] <600 "HIGH" false [120..130] [600..625] "MEDIUM" false [120..130] >625 "LOW" false >130 - "VERY LOW" true <=100 <580 "HIGH" true <=100 [580.600] "MEDIUM" true <=100 >600 "LOW" true >100 <590 "HIGH" true >100 [590..615] "MEDIUM" true >100 >615 "LOW"

Bureau call type table Pre-Bureau Risk Category The Strategy decision logic (Figure 70) defines a complete, unique-hit decision table deriving Strategy from Eligibility and Bureau Call Type. Is credit bureau call required? Yes: Bureau; No: Decline or Through eligibility bureauCallType

"DECLINE","BUREAU","THROUGH"

"INELIGIBLE" - "DECLINE" "ELIGIBLE" "FULL" "BUREAU" "ELIGIBLE" "NONE" "THROUGH" Eligibility rules Applicant data.Age Pre-bureau risk category Pre-bureau affordability Pre-bureau risk category table Applicant data . ExistingCustomer Application risk score Application risk score model Applicant data . Age Applicant data . MaritalStatus Applicant data . EmploymentStatus Affordability calculation Applicant data . Monthly . Income Applicant data . Monthly . Repayments Applicant data . Monthly . Expenses Pre-bureau risk category Required monthly installment Affordability calculation Applicant data . Monthly . Income Applicant data . Monthly . Repayments Applicant data . Monthly . Expenses Post-bureau risk category Required monthly installment Installment calculation Requested product . ProductType Requested product . Rate Requested product . Term Requested product . Amount Post-bureau risk category table Applicant data . ExistingCustomer Bureau data . CreditScore Application risk score Routing rules Bureau data . Bankrupt Bureau data . CreditScore Post-bureau risk category Post-bureau affordability