Customer and Loan Information

Name of Customer Age of Customer Gender of Customer

ACOSTA 22 F
ADAMS 58 F
AGUILAR 19 M
AGUIRRE 32 M
ALEXANDER 22 M
ALLEN 37 M
ALVARADO 34 M
ALVAREZ 28 M
ANDERSON 47 M
ANDREWS 40 M
ARMSTRONG 29 M
ARNOLD 49 M
AUSTIN 60 M
AVILA 59 M
AYALA 30 M
BAILEY 24 F
BAKER 46 F
BALDWIN 27 M
BANKS 27 M
BARBER 45 F
BARKER 44 F
BARNES 29 M
BARNETT 30 M
BARRETT 39 F
BATES 49 M
BECK 28 F
BECKER 23 F
BELL 21 F
BENNETT 49 F
BENSON 59 M
BERRY 46 M
BISHOP 44 X
BLACK 30 F
BOWEN 31 M
BOWMAN 24 M
BOYD 58 F
BRADLEY 37 M
BREWER 23 F
BROOKS 49 M
BRYANT 20 M
BURKE 25 M
BURNS 29 F
BURTON 34 F
BUSH 54 F
BUTLER 55 M
BYRD 35 F
CABRERA 25 M
CALDWELL 34 F
CAMPBELL 24 F
CAMPOS 45 M
CARLSON 22 F
CARPENTER 43 F
CARR 55 F
CARRILLO 23 F
CARROLL 60 F
CARTER 53 F
CASTILLO 46 F
CASTRO 33 M
CERVANTES 38 F
CHAMBERS 30 F
CHANDLER 50 M
CHANG 23 X
CHAPMAN 58 M
CHAVEZ 56 M
CHEN 44 F
CLARK 21 F
COHEN 39 M
COLE 54 M
COLEMAN 28 M
COLLINS 47 F
CONTRERAS 45 F
COOK 19 F
COOPER 24 M
CORTEZ 44 M
COX 18 F
CRAIG 51 F
CRAWFORD 27 M
CRUZ 46 F
CUMMINGS 27 M
CUNNINGHAM 22 F
CURTIS 37 M
DANIEL 43 F
DANIELS 60 M
DAVIDSON 29 F
DAWSON 44 M
DAY 57 M
DEAN 31 F
DELEON 27 F
DELGADO 37 M
DIAZ 18 M
DIXON 59 F
DOMINGUEZ 29 M
DOUGLAS 48 F
DUNCAN 45 F
DUNN 51 M
DURAN 31 M
EDWARDS 37 F
ELLIOTT 39 F
ELLIS 36 M
ERICKSON 48 F
ESPINOZA 30 F
ESTRADA 59 F
EVANS 38 F
FERGUSON 51 F
FERNANDEZ 58 F
FIELDS 48 M
FIGUEROA 34 F
FISHER 51 M
FLEMING 28 F
FLETCHER 35 F
FLORES 46 F
FORD 19 F
FOSTER 54 F
FOWLER 44 F
FOX 42 X
FRANKLIN 18 M
FRAZIER 49 F
FREEMAN 33 F
FUENTES 27 F
FULLER 50 F
GARDNER 29 F
GARRETT 45 M
GARZA 31 M
GEORGE 37 F
GIBSON 21 M
GILBERT 47 F
GOMEZ 25 M
GONZALES 58 M
GONZALEZ 32 M
GORDON 45 F
GRAHAM 58 M
GRANT 47 F
GRAVES 41 F
GRAY 46 F
GREEN 46 F
GREENE 51 M
GREGORY 52 M
GRIFFIN 41 M
GUERRERO 37 M
GUTIERREZ 60 M
GUZMAN 30 M
HAIL 39 F
HALE 50 M
HALL 36 F
HAMILTON 46 F
HANSEN 40 F
HANSON 33 F
HARDY 33 M
HARPER 40 F
HARRIS 38 F
HARRISON 49 M
HART 49 F
HARVEY 27 F
HAWKINS 34 M
HAYES 40 F
HAYNES 25 F
HENDERSON 21 F
HENRY 50 X
HERNANDEZ 45 M
HERRERA 47 M
HICKS 47 F
HIGGINS 40 M
HILL 36 F
HOFFMAN 56 F
HOLLAND 26 M
HOLMES 41 M
HOLT 53 F
HOPKINS 44 F
HORTON 18 M
HOWARD 23 F
HOWELL 50 M
HUDSON 43 F
HUGHES 36 M
HUNT 45 M
HUNTER 34 M
JACKSON 45 F
JACOBS 40 F
JAMES 44 F
JENKINS 59 M
JENNINGS 59 M
JENSEN 46 F
JIMENEZ 35 M
JOHNSTON 23 M
JORDAN 58 M
JOSEPH 26 M
JUAREZ 52 F
KELLER 38 M
KELLEY 60 M
KELLY 40 M
KENNEDY 39 F
KIM 50 F
KING 36 M
KLEIN 56 F
KNIGHT 50 M
LAMBERT 29 F
LANE 23 F
LARA 30 F
LARSON 31 M
LAWRENCE 52 M
LAWSON 23 F
LE 52 M
LEE 53 F
LEON 20 M
LEONARD 21 M
LEWIS 48 M
LI 46 F
LIN 46 F
LITTLE 33 F
LONG 50 X
LOPEZ 27 M
LOVE 48 F
LOWE 52 M
LUCAS 29 M
LUNA 23 F
LYNCH 55 F
LYONS 31 M
MALDONADO 46 F
MANN 46 M
MARQUEZ 27 M
MARSHALL 28 F
MARTIN 27 F
MARTINEZ 22 F
MASON 18 F
MATTHEWS 27 M
MAY 38 M
MCCARTHY 34 M
MCCOY 26 F
MCDANIEL 31 F
MCDONALD 45 F
MCKINNEY 31 M
MEDINA 37 F
MEJIA 29 M
MENDEZ 23 F
MENDOZA 21 M
MEYER 32 M
MILES 32 F
MILLS 36 M
MIRANDA 23 F
MITCHELL 57 F
MOLINA 33 M
MONTGOMERY 39 F
MOORE 20 M
MORALES 49 F
MORAN 40 F
MORENO 36 F
MORGAN 25 F
MORRIS 21 M
MORRISON 27 M
MUNOZ 51 F
MURPHY 41 F
MURRAY 25 M
MYERS 31 F
NAVARRO 52 F
NEAL 30 M
NELSON 53 M
NEWMAN 50 M
NGUYEN 29 M
NICHOLS 24 M
NORRIS 41 M
NUNEZ 56 F
OBRIEN 24 F
OCHOA 51 F
OLIVER 27 F
OLSON 54 M
ORTEGA 23 X
ORTIZ 37 F
OWENS 47 F
PADILLA 49 F
PAGE 19 F
PALMER 31 M
PARK 26 M
PARKER 53 M
PARKS 53 F
PATEL 58 M
PATTERSON 40 M
PAYNE 44 M
PEARSON 55 M
PENA 24 M
PEREZ 44 M
PERKINS 54 F
PERRY 28 M
PETERS 31 M
PETERSON 56 F
PHAM 44 M
PHILLIPS 19 M
PIERCE 47 F
PORTER 26 F
POWELL 52 M
POWERS 41 M
PRICE 30 F
RAMIREZ 39 F
RAMOS 52 M
RAY 23 F
REED 29 F
REEVES 60 F
REID 42 F
REYES 27 M
REYNOLDS 52 F
RHODES 25 F
RICE 42 F
RICHARDS 43 M
RICHARDSON 43 F
RILEY 56 M
RIOS 26 F
RIVERA 57 F
ROBERTS 33 F
ROBERTSON 51 F
ROBINSON 35 M
ROBLES 40 M
RODRIGUEZ 26 M
ROGERS 24 M
ROJAS 51 M
ROMERO 27 F
ROSE 40 M
ROSS 43 F
RUIZ 21 F
RUSSELL 30 F
RYAN 21 F
SALAZAR 41 M
SALINAS 23 F
SANCHEZ 52 F
SANDERS 57 M
SANDOVAL 34 F
SANTIAGO 53 X
SANTOS 39 M
SCHMIDT 51 F
SCHNEIDER 29 F
SCHULTZ 33 F
SCHWARTZ 60 M
SCOTT 24 M
SHARP 26 M
SHAW 32 F
SHELTON 49 F
SILVA 28 M
SIMMONS 53 M
SIMON 47 M
SIMPSON 41 M
SIMS 25 M
SINGH 60 F
SNYDER 36 M
SOLIS 52 M
SOTO 37 F
SPENCER 45 M
STANLEY 18 M
STEELE 54 F
STEPHENS 56 M
STEVENS 44 M
STEWART 54 M
STONE 51 M
SULLIVAN 29 M
SUTTON 51 F
TAYLOR 24 M
TERRY 37 M
THOMAS 48 F
THOMPSON 59 M
THORNTON 20 M
TORRES 52 F
TRAN 18 M
TUCKER 20 F
TURNER 28 M
VALDEZ 27 F
VARGAS 39 M
VASQUEZ 57 M
VAUGHN 54 M
VAZQUEZ 25 F
VEGA 26 F
VELASQUEZ 60 M
WADE 59 M
WAGNER 37 F
WALKER 52 M
WALLACE 32 F
WALSH 39 F
WALTERS 54 F
WANG 52 M
WARD 60 M
WARNER 33 F
WARREN 28 M
WASHINGTON 53 F
WATKINS 51 F
WATSON 30 M
WATTS 25 M
WEAVER 44 F
WEBB 23 X
WEBER 21 F
WELCH 22 M
WELLS 38 M
WEST 32 F
WHEELER 50 M
WHITE 55 M
WILLIAMSON 56 F
WILLIS 27 M
WILSON 26 M
WOLFE 38 M
WONG 29 M
WOOD 50 F
WOODS 25 F
WRIGHT 25 F
YANG 51 M
YOUNG 54 M
ZIMMERMAN 27 F
Type of Loan Loan Amount Bank Staff Random Number
Education Loan 14,000,000 No -1.11064470372546
Education Loan 9,000,000 No 1.17781997202754
Education Loan 10,000,000 No 0.832174255368765
Personal Loan 12,000,000 No 0.619611302867693
Education Loan 8,000,000 No -2.00990790159425
Personal Loan 12,000,000 No -0.936926404460119
Education Loan 12,000,000 No 0.779594021803072
Vehicle Loan 12,000,000 No 1.59139955217274
Education Loan 13,000,000 No -0.841638224498105
Home Loan 9,000,000 No -0.292954948557861
Vehicle Loan 12,000,000 No 0.641051169794687
Home Loan 8,000,000 No 0.618638570406357
Education Loan 10,000,000 No -0.259822882261337
Vehicle Loan 9,000,000 Yes 1.70485116949655
Personal Loan 13,000,000 No -1.94982754505875
Home Loan 13,000,000 No 1.11083068925398
Vehicle Loan 11,000,000 No -0.486939089878751
Vehicle Loan 11,000,000 No -0.635166898819527
Personal Loan 10,000,000 No -0.342062375604123
Education Loan 13,000,000 No -0.539361739910967
Personal Loan 10,000,000 No -1.25323784083017
Vehicle Loan 14,000,000 No 0.0210142255802583
Education Loan -11,000,000 No -0.774616299262978
Education Loan 9,000,000 No -0.599180050769714
Education Loan 12,000,000 No 1.61542312982235
Home Loan 10,000,000 No 0.14349649522104
Home Loan 12,000,000 No -0.528923849229164
Home Loan 13,000,000 No -0.551858744988985
Education Loan 10,000,000 No -0.0564429984139981
Home Loan 8,000,000 No 0.821667171654577
Education Loan 12,000,000 No -0.285720077522894
Home Loan 11,000,000 No 0.574323087196768
Home Loan 11,000,000 No 0.058537885146832
Home Loan 10,000,000 No 1.01874253101853
Vehicle Loan 12,000,000 No -0.999666527938244
Vehicle Loan 11,000,000 No 0.431114625391092
Home Loan 12,000,000 Yes -0.899026736548456
Home Loan 10,000,000 No 0.421090560902338
Education Loan 11,000,000 No -1.00143959962951
Personal Loan 12,000,000 No 0.271188252166591
Home Loan 13,000,000 No 2.53810624359706
Personal Loan -10,000,000 No -2.27360159338933
Vehicle Loan 10,000,000 No -1.55338127282878
Education Loan 9,000,000 No -0.696781672728781
Education Loan 9,000,000 No -0.161450251995626
Education Loan 8,000,000 No 1.1514516135196
Education Loan 9,000,000 No 0.74526236999669
Home Loan 11,000,000 No -1.96793672139925
Home Loan 11,000,000 No 0.716431834219228
Education Loan 9,000,000 No -0.0568399888932591
Personal Loan 9,000,000 No 0.459104890070864
Personal Loan 12,000,000 No -0.356115223845994
Personal Loan 13,000,000 No 0.0018422794671917
Education Loan 10,000,000 No -0.67080321573468
Vehicle Loan 9,000,000 No -1.11672340519003
Personal Loan 12,000,000 No 0.403009295686102
Personal Loan 11,000,000 No 0.494485592752899
Home Loan 11,000,000 No -0.0132805852412919
Home Loan 10,000,000 No 0.83430845550684
Education Loan 14,000,000 No -0.121832513316513
Vehicle Loan No 0.361013426974285
Personal Loan 13,000,000 No 0.835503129340252
Home Loan 14,000,000 No -1.29870246405247
Home Loan 12,000,000 No -0.209032589010162
Education Loan 11,000,000 No -0.598774659379912
Home Loan 14,000,000 No -0.240970187051351
Education Loan 9,000,000 No -0.670992131769334
Home Loan 12,000,000 No 1.13341027326924
Education Loan 8,000,000 No -0.817021828173909
Home Loan 8,000,000 No 0.686260099939176
Home Loan 9,000,000 No -0.180943302053874
Education Loan 11,000,000 No -1.91487174152265
Education Loan 12,000,000 No 0.00506803076347862
Home Loan 10,000,000 1.14255702197344
Vehicle Loan 10,000,000 No 0.0520449832020132
Education Loan 14,000,000 No 0.163583154579398
Home Loan 9,000,000 No 0.26880606921093
Vehicle Loan 10,000,000 No -0.89709893068089
Home Loan 12,000,000 No -1.24616475670295
Education Loan 13,000,000 No 0.349246646681303
Vehicle Loan 10,000,000 No -0.423637084879058
Personal Loan 11,000,000 No 1.31470144569569
Personal Loan 13,000,000 No 1.00731507495473
Vehicle Loan 13,000,000 No 0.604506081228496
Home Loan 10,000,000 No -0.154772282932775
Education Loan 12,000,000 No 0.479793851551995
Personal Loan 10,000,000 No -1.25347997577788
Personal Loan 13,000,000 No -0.911958168365697
Education Loan 11,000,000 No -1.42775105304837
Home Loan 9,000,000 No 2.31116992308995
Vehicle Loan 12,000,000 No -0.165684264662075
Vehicle Loan 10,000,000 No 0.367373390566489
Personal Loan 14,000,000 No -1.48447991985425
Personal Loan 11,000,000 No 0.709541059905936
Vehicle Loan 13,000,000 No -0.224482323237141
Home Loan 13,000,000 No -0.094774265589804
Home Loan 9,000,000 No -0.931357117325367
Education Loan 9,000,000 No -0.384194887668483
Vehicle Loan 11,000,000 No -1.4843308427118
Personal Loan 8,000,000 No 0.644572342399612
Personal Loan 12,000,000 No -0.0421671141747204
Vehicle Loan 8,000,000 No -0.989548374945665
Vehicle Loan 12,000,000 No -0.99002747919035
Vehicle Loan 13,000,000 No -0.640872729011468
Education Loan 13,000,000 No -0.13479383932646
Vehicle Loan 11,000,000 No -0.827324228100056
Education Loan 8,000,000 No 0.47285036718785
Education Loan 8,000,000 No -0.652783488049847
Vehicle Loan 10,000,000 No -0.597087772493861
Home Loan 13,000,000 No 0.00465567423585244
Education Loan 10,000,000 No 0.346965994077073
Education Loan 9,000,000 No -0.307540454635163
Vehicle Loan 12,000,000 No -0.441426779842824
Personal Loan 9,000,000 No -2.3284912571488
Home Loan 11,000,000 No -1.3469257811378
Education Loan 8,000,000 No -1.07252914114014
Home Loan 10,000,000 -0.505990617442391
12,000,000 No -1.77313908933214
Vehicle Loan 12,000,000 No -0.595331484100222
Vehicle Loan 11,000,000 No -0.369231440748473
Home Loan 13,000,000 No 1.37165193740029
Home Loan 9,000,000 No 0.339102446911321
Home Loan 10,000,000 No 1.68187398566304
Personal Loan 12,000,000 No -0.132735699346558
Education Loan 9,000,000 No 0.554153219440402
Home Loan 13,000,000 No 0.550023260298144
Vehicle Loan 11,000,000 No 0.841482693062885
Vehicle Loan 13,000,000 No -1.85730472542827
Education Loan 9,000,000 No 2.68248482583168
Vehicle Loan 11,000,000 No 0.100493980404885
Home Loan 13,000,000 No 0.276680869926304
Vehicle Loan 13,000,000 No 2.09140757128863
Vehicle Loan 11,000,000 No -0.491829697356731
Home Loan 12,000,000 No 0.343171068471096
Education Loan 9,000,000 No 0.938473485944789
Personal Loan 9,000,000 No 1.07018025159253
Education Loan 11,000,000 No 0.498592341698283
Home Loan 13,000,000 No -0.135395508911309
Education Loan 11,000,000 No -0.360342725548077
Home Loan -12,000,000 No 0.436681198913185
Vehicle Loan 12,000,000 No -0.40920871888494
Vehicle Loan 9,000,000 No 0.320541821580634
Home Loan 9,000,000 No -1.77168374798288
Personal Loan 9,000,000 No -0.461395108565902
Education Loan 10,000,000 Yes 1.20799706813375
Personal Loan 11,000,000 No 0.280835828448484
Education Loan 10,000,000 No 1.1296552567941
Vehicle Loan 11,000,000 No -1.61522967629229
Home Loan 14,000,000 No -1.33174602791279
Home Loan 13,000,000 No -0.31487964909534
Home Loan 10,000,000 No 0.361815175114229
Personal Loan 13,000,000 No 1.36330279482818
Education Loan 9,000,000 No -1.00887971480129
Vehicle Loan 14,000,000 No -0.967719377813983
Vehicle Loan 13,000,000 No -0.271285322114878
Vehicle Loan 8,000,000 No -1.64907971093641
Vehicle Loan 13,000,000 No -0.400859072518456
Education Loan 13,000,000 No -2.21591094964805
Vehicle Loan 14,000,000 No -0.996318959106716
Personal Loan 13,000,000 No -1.15072375719948
Personal Loan 13,000,000 No 0.737231786328463
Home Loan 12,000,000 No 0.393876227136539
Vehicle Loan 9,000,000 No 0.0795188493302112
Personal Loan 11,000,000 No 0.7051716125146
Home Loan 12,000,000 No 0.12487744734129
Vehicle Loan 8,000,000 No -1.59482364137225
Home Loan 10,000,000 No 0.168984447027891
Education Loan 9,000,000 No -0.212727533776372
Home Loan 12,000,000 No 1.12032419828087
Home Loan 13,000,000 Yes 0.268477817784515
Home Loan 13,000,000 No 1.34841107060827
Education Loan 9,000,000 No -0.394190868341347
Personal Loan 11,000,000 No -0.0330002267206513
Home Loan 8,000,000 No 0.256252832476419
Home Loan 13,000,000 No -0.0223318501971791
Home Loan 11,000,000 No 1.04886166267955
Education Loan 11,000,000 No 1.27236695610613
Personal Loan 13,000,000 No 0.0290843575075037
Personal Loan 8,000,000 No 1.25826053326678
Home Loan 9,000,000 No 2.51609241666925
Personal Loan 10,000,000 No -0.370475047388555
Vehicle Loan 9,000,000 No 1.90590768870584
Home Loan 8,000,000 No -0.935519967021045
Education Loan 12,000,000 No 0.877072824486886
Vehicle Loan 12,000,000 No -1.07611838791546
Vehicle Loan 11,000,000 No 1.14449267749721
Personal Loan 14,000,000 No 0.7899103848903
10,000,000 No -0.889001155104109
Personal Loan 13,000,000 No -1.01152153126593
Education Loan 12,000,000 No 0.0441002761597139
Personal Loan 10,000,000 No 0.155568455075326
Home Loan 9,000,000 No 0.453200204807134
Vehicle Loan 11,000,000 No -1.09226627673588
Vehicle Loan 14,000,000 No 0.0969785948081197
Home Loan -11,000,000 No 0.611549235750804
Personal Loan 8,000,000 No 1.32918469991905
Home Loan 13,000,000 No -1.24426550446543
Vehicle Loan 14,000,000 No -1.11187679538597
Personal Loan 11,000,000 No -0.120700497991311
Education Loan 10,000,000 No -0.105096962205554
Home Loan 9,000,000 No -1.95678745843588
Education Loan 9,000,000 No -0.327088477477383
Personal Loan 9,000,000 No 1.42112738729377
Vehicle Loan 13,000,000 No 0.522383674246646
Personal Loan 11,000,000 No 0.278222652643658
Personal Loan 12,000,000 No 0.18868104061987
Education Loan 12,000,000 -0.126270092192423
Education Loan 12,000,000 No -0.10982421087407
Personal Loan 13,000,000 No 0.738489769840116
Vehicle Loan 11,000,000 No 1.10142411249986
Personal Loan 11,000,000 No -0.499699967654207
Personal Loan 14,000,000 No 1.10535946637064
Vehicle Loan 9,000,000 No 0.375532303136426
Vehicle Loan 9,000,000 No -1.1658469202312
Vehicle Loan 9,000,000 No 0.647751337718279
Home Loan 11,000,000 No -0.643803080669176
Education Loan 10,000,000 No -1.27646111564853
Home Loan 14,000,000 No 0.135285447835952
Home Loan 12,000,000 No 0.491086330428191
Vehicle Loan 13,000,000 No -0.218671890719754
Personal Loan 9,000,000 No -0.826042142352464
Home Loan 14,000,000 No 1.16397519486824
Personal Loan 9,000,000 No 1.82167425255043
Vehicle Loan 14,000,000 No 1.34391137015092
Personal Loan 12,000,000 No 0.185111712771011
Vehicle Loan 11,000,000 No -0.543072581803288
Personal Loan 11,000,000 No 0.957949033890908
Vehicle Loan 12,000,000 No 0.0758427374153561
Vehicle Loan 12,000,000 No -0.554244535674541
Personal Loan 9,000,000 No 1.06691688998382
Education Loan 11,000,000 No 0.679705894743311
Home Loan 13,000,000 No 0.46854581804401
Personal Loan 12,000,000 No 0.323908192092404
Vehicle Loan 13,000,000 No -0.0190244232831262
Education Loan 13,000,000 No 0.0711126589140978
Personal Loan 13,000,000 No 0.225212558744189
Personal Loan 11,000,000 No 0.90250636284674
Home Loan 11,000,000 No -0.891161334370642
Education Loan 9,000,000 No -0.32717472119233
Personal Loan 13,000,000 No 0.5530209897449
Education Loan 10,000,000 No -0.134678332308752
Personal Loan 13,000,000 No 0.0846906576733326
Home Loan 9,000,000 No -1.71119158316906
Home Loan 9,000,000 No -0.733163405050206
Vehicle Loan 10,000,000 No 0.356102026348448
Education Loan 9,000,000 No 1.11983629989695
Education Loan 8,000,000 No -1.40601769918311
Education Loan 9,000,000 No -0.22365573697411
Home Loan 9,000,000 No 1.07959694769574
Vehicle Loan 13,000,000 No -1.49069762564128
Personal Loan 11,000,000 No 0.481990738184151
Personal Loan 10,000,000 No -0.744732238000077
Vehicle Loan 12,000,000 No -0.258952594199109
Vehicle Loan -10,000,000 No 1.25733249203469
Education Loan 12,000,000 No 1.02619750716539
Home Loan 11,000,000 No 1.76389214284161
Vehicle Loan 14,000,000 No -0.482031634006229
Education Loan 9,000,000 No -1.51266812783536
Home Loan 11,000,000 No -0.503084255746035
Personal Loan 9,000,000 No -1.92983846024282
Vehicle Loan 13,000,000 No 0.0338808762402595
Vehicle Loan 9,000,000 No -0.612968238222596
Education Loan 10,000,000 No -1.37130965638659
Education Loan 9,000,000 No 0.759694849516333
Personal Loan 13,000,000 No 0.162108278037093
Education Loan 12,000,000 No -0.828366844523013
Personal Loan 11,000,000 No -0.074254478004474
Vehicle Loan 9,000,000 No -0.213177368017425
Home Loan 11,000,000 No -0.513579305787869
Education Loan 9,000,000 No -0.464207989170438
Personal Loan 11,000,000 No 0.921707411566369
Personal Loan 12,000,000 No -0.0823831444369098
Personal Loan 10,000,000 No -1.15554225247154
Home Loan 8,000,000 No -0.533915669517966
Home Loan 10,000,000 No 1.64559633667445
Vehicle Loan 8,000,000 No -0.0189312335078713
Vehicle Loan 8,000,000 No 0.787597393612848
Personal Loan 9,000,000 No -0.00983534164313691
Education Loan 13,000,000 No 0.664100544045174
Personal Loan 9,000,000 No -0.531211942252492
Personal Loan 10,000,000 No 1.37417952242349
Home Loan 13,000,000 No -2.25975948276191
Education Loan 14,000,000 No 0.467333301501169
Home Loan 8,000,000 No -0.477291999071674
Home Loan 9,000,000 -1.7183462248514
Vehicle Loan 11,000,000 No -1.97705248752291
Education Loan 10,000,000 No 1.18162768744319
Home Loan 10,000,000 No -1.5956346003286
Education Loan 13,000,000 No -1.53272638760956
Personal Loan 8,000,000 No -0.446307042856857
Vehicle Loan 11,000,000 No 0.382060472556958
Personal Loan 10,000,000 No 0.712237082462904
Home Loan 14,000,000 No -0.629073909466335
Personal Loan 9,000,000 No -0.691343105462517
Education Loan 10,000,000 No -0.526706785525563
Personal Loan 8,000,000 No 0.318803685968433
Personal Loan 13,000,000 No -1.80363328976142
Home Loan 13,000,000 No 0.899083535201584
Education Loan 12,000,000 No 3.17293486974036
Personal Loan 11,000,000 No 0.287607343203507
Home Loan 14,000,000 No -0.647225718375769
Personal Loan 9,000,000 No -0.97784226960884
Personal Loan 11,000,000 No 1.05548799124327
Vehicle Loan 10,000,000 No -0.848461440879522
Vehicle Loan 9,000,000 No -1.12955171175346
Education Loan 11,000,000 No 0.809730519749414
Personal Loan 10,000,000 No -0.597393549448618
Education Loan 8,000,000 No 1.31305597949228
Education Loan 12,000,000 No -0.343413188485612
Education Loan 8,000,000 No 1.45860962626721
Home Loan 13,000,000 No 0.472500697763713
Education Loan 13,000,000 No -1.20872061929397
Vehicle Loan 10,000,000 No -0.236109539510279
Personal Loan 11,000,000 No 1.24914189826638
Education Loan 11,000,000 No -0.985893008717467
Education Loan 13,000,000 Yes 0.667324761480608
Education Loan 8,000,000 No -0.589603207601832
Vehicle Loan 13,000,000 No -1.37149697871894
Home Loan 8,000,000 No 0.613068662730756
Vehicle Loan 9,000,000 No -0.520147222457747
Education Loan 14,000,000 No -0.215501246261729
Home Loan -11,000,000 No -0.267093661326867
Vehicle Loan 14,000,000 No 1.37017328087328
Vehicle Loan 10,000,000 No 0.0614193482924485
Personal Loan 12,000,000 No 1.66466323755094
Home Loan 12,000,000 No 1.81552090444035
Vehicle Loan 13,000,000 No -0.128622421597643
Personal Loan 9,000,000 No -2.13233891243997
Vehicle Loan 14,000,000 No 0.351870913588867
Personal Loan 9,000,000 No 1.83989714277033
Vehicle Loan 13,000,000 No 0.4333769782234
Vehicle Loan 11,000,000 No 0.0980060782183101
Personal Loan 10,000,000 No -0.353482863542054
Personal Loan 9,000,000 No -0.626922058823974
Personal Loan 11,000,000 No 1.65572848421418
Home Loan 13,000,000 No 0.271116500199372
Home Loan 11,000,000 No -1.94503444247491
Home Loan 11,000,000 No 0.460278100996825
Home Loan 13,000,000 No -2.01760958550513
Education Loan 14,000,000 No -0.244978733455818
Education Loan 14,000,000 No -0.294744856049808
Education Loan 13,000,000 No 0.363441135792212
Education Loan 11,000,000 No 1.45441719862803
Vehicle Loan 13,000,000 No 0.320025043854063
Home Loan No -0.850535749870588
Personal Loan 12,000,000 No 0.454524304971064
Personal Loan 12,000,000 No -1.74153828639621
Personal Loan 11,000,000 No 0.254024906682173
Education Loan 14,000,000 No 0.144592519296219
Home Loan 13,000,000 No 0.251280434743831
Vehicle Loan 14,000,000 No 0.625413415523535
Home Loan 14,000,000 No 2.05167332886931
Home Loan 9,000,000 No 0.551899783698218
Education Loan 12,000,000 No -1.42896471621136
Vehicle Loan 9,000,000 No 1.08673734129954
Education Loan 8,000,000 No 0.512031605738181
Education Loan 8,000,000 No 0.679448022442718
Home Loan 9,000,000 No -0.940813783746194
Vehicle Loan 11,000,000 No -1.48596827437392
Education Loan 9,000,000 No 2.01905467190236
Home Loan 12,000,000 No -0.244099258904971
Education Loan 8,000,000 No 0.212518046877182
Education Loan 12,000,000 No -0.71343127875979
Home Loan 11,000,000 No 0.366038839843588
Education Loan 9,000,000 No -1.67236405567242
Education Loan 11,000,000 No -0.221406594269772
Home Loan 14,000,000 No 0.235738563916965
Home Loan 10,000,000 No 0.10966163066003
Vehicle Loan 10,000,000 No 0.498251501274772
Vehicle Loan 9,000,000 No 0.28623919057891
Personal Loan 13,000,000 No 1.00302937709325
Personal Loan 13,000,000 No -1.62109839372286
Education Loan 8,000,000 No 1.63376442606429
Personal Loan 9,000,000 No -1.24161685795642
Home Loan 13,000,000 No -0.275860545192424
Education Loan 13,000,000 No -2.0033115842105
Personal Loan 12,000,000 No -0.308185783835616
Personal Loan 13,000,000 No 0.737458266340993
Home Loan -9,000,000 No -0.0331252166511824
Personal Loan 9,000,000 No 0.479897280572043
Vehicle Loan 13,000,000 No -1.11263694014381
Education Loan 10,000,000 No -0.942834081457378
Home Loan 10,000,000 No 2.18370139221778
Home Loan 11,000,000 No -0.0559791769326313
Personal Loan 8,000,000 No 0.000279984029739301
Vehicle Loan 9,000,000 No 2.13269572994587
Education Loan 13,000,000 No -0.0294049985067078
Vehicle Loan 12,000,000 Yes -0.304894139370231
Personal Loan 13,000,000 No 0.536491990429478
Home Loan 10,000,000 No -2.95601795039351
Personal Loan 14,000,000 No -0.0755010812403534
Education Loan 12,000,000 No -1.40319626273556
Home Loan 11,000,000 No -0.843848672054083
Personal Loan 11,000,000 No -0.56156478237985
Vehicle Loan 10,000,000 No 0.00427457928342583
Home Loan 12,000,000 No -1.36499800289081
Home Loan 13,000,000 No -0.0333278204089215
Personal Loan 9,000,000 No -0.670867634864385
Home Loan 9,000,000 No 1.33842843674958
Vehicle Loan 10,000,000 No -0.2920784570516
Premium Rate Data for Insurance (per 1000 SA)

Age of Customer Premium Rate for Male Customer

18 3.010
19 3.085
20 3.162
21 3.241
22 3.322
23 3.405
24 3.490
25 3.577
26 3.666
27 3.758
28 3.852
29 3.948
30 4.047
31 3.933
32 4.252
33 4.358
34 -4.467
35 4.579
36 4.693
37 4.810
38 4.930
39 5.053
40 5.179
41 5.308
42 5.441
43 5.577
44 5.716
45 5.859
46 6.005
47 5.910
48 6.309
49 6.467
50 -6.629
51 6.795
52 6.965
53 7.139
54 7.317
55 7.500
56 7.450
57 7.880
58 8.077
59 8.279
60 8.486
 Purpose :

The purpose of the spreadsheet model is that the banks are required to ensure that the ne
1 Expected profit of the bank at the end of first year
2 If the expected net assets at the end of the first year are sufficient to meet the regulatory r
3 Impact of regulatory draft proposal on expected profit and the expected net assets

Assumptions:

The key assumptions which are used in the model are given below:

1 Interest is payable at the end of each year.

2 No new loans are sanctioned during the first year.
3 Imapct of taxes is ignored.
4 Inflation of costs is ignored.
5 All the data which is provided is correct in terms of customers information, loan details etc
6 There are no premium lapses
7 The data storage system is reliable
8 The average rate of interest on deposits is fixed.
9 The default rates for secured and unsecured loand are fixed as per the given information.
10 There are no prepayments of loans.
11 All the casflows except, initial investment, sanction of loan and deposit receipt are assume

Data:

Bank is providing four types of loans: Home (Secured) Loan, Vehicle (Secured) Loan, Educa
There are 400 customers that are availing the loand and the following details are provided

Data Checks:
All the information provided in Data tab is copied to this tab.

1 First check whether the count of customers availing the loan are 400 or not. Minimum Age
In cell O5, count of customers is shown by counta function and it is showing as 400, hence
2 There should be only 4 types of loans: Education, Personal, Vehicle, Home and no other typ
In cell M15, M16, M17 and M18, countifs function is used to show how many number of loan
In cell, M19 , the sum of loans type is shown as 398 , hence 2 loans are missing from the da
Highlighted the cells E121 and E191 for which the loan type is missing for Freeman and Ke
3 Loan amounts are checked, whether they are negative or missing for any customers using
Cells N24, N25, N26, N27 and N28 shows maximum, minimum, average, blank and negativ
The loan amount is negative for 7 customers and missing for 2 customers which needs to b
4 In cells, N34, N35 and N36, Premium Rate for Male Customer Checks is applied by min , ma
There are 2 premium rates which are coming negative which is not correct

Random Number Checks:

In this tab, the random numbers from the data tab are copied in column B.
In column E, F and G: Less Than , Cummulative Frequency and Frequency have been shown
Cummulative Frequency has been calculated using countif function and sum of all the frequ
A graph is made using the Less Than column and Frequency column which is looking bell sh

Data Corrected:
All the information provided in Data Checks tab is copied to this tab.
The two customers for which the loan is showing as missing have been assumed that they
The loan amounts which are coming as negative have been multiplied by -1 assuming that
F26, F45, F143, F198, F257, F325 and F382 have been multiplied by -1 so that they becom
The Premium Rate for Male Customer are coming negative for cells K20 and K36 so these a
2 customers with missing loan amount are assumed to have not taken the loan and they ha

Parameters:
In this tab, the parameters which are used are mentioned:

Base Interest rate 7%

Increase in Interest rate

Home Loan 4%
Vehicle Loan 6%
Education Loan 8%
Personal Loan 10%

Final Interest Rate:

Home Loan Interest Rate 4%

Vehicle Loan Interest Rate 6%
Education Loan Interest Rate 8%
Personal Loan Interest Rate 10%

Discount in Interest rate for Bank Sta 4%

Initial Investment 150 cr
Commission Rate

Premium < 30000 40%

30000<=Premium<60000 37.50%
60000<=Premium<90000 35%
90000<=Premium<120000 32.50%
Premium>=120000 30%

Expected Loan Default Amount 0.02y + 0.01x

where
y is 1 for unsecured loan
0.5 for secured loan

x random number

Methodology
Base Scenario tab:
In this tab, all the final information after Data corrected is given, and interest rate on loan i
is calculated in column M by applying if function and respective interest rates are taken fro
In column N, the final amount after applying interest rate with the condition of the custome
If the customer if of bank staff, then additional 4% interest rate is reduced which is shown b
Premium rates for Female Customers are calculated in column L by if function given till age
Final loan amount is calculated in column O as per the condition given in question for addit

First Year commission is equal to 20% of the premium amount

After that the commission rates are calculated based on these conditions:
Premium < 30000 40%
30000<=Premium<60000 37.50%
60000<=Premium<90000 35%
90000<=Premium<120000 32.50%
Premium>=120000 30%
 o ensure that the net assets are atleast 180% of the required capital and hence need assistance to evaluate th

meet the regulatory requirements of the required capital

ed net assets

tion, loan details etc

e given information.

t receipt are assumed to take place at the end of the year.

Secured) Loan, Education (Unsecured) Loan and Personal (Unsecured) Loan

details are provided for customers and loans like age, gender, bank staff , type of loans and loan amount are m

or not. Minimum Age of customers should be 18

owing as 400, hence the count of customers is correct. In cell O6, min function is used for age which is showing
ome and no other type of loan
many number of loans are taken for each type of loan
e missing from the data
g for Freeman and Kelley
any customers using If function
ge, blank and negative loan amounts
mers which needs to be corrected.
s applied by min , max and if function for premium rates which are less than 0.

ncy have been shown for these random numbers

nd sum of all the frequencies are mentioned in cell G20 which is coming as 400 which is correct
which is looking bell shaped, hence it is following Normal Distribution.

n assumed that they do not have taken loan and the information is deleted for them
by -1 assuming that these should be positive only in the cells:
1 so that they become positive and highlighted in green
0 and K36 so these are multiplied with -1 to make them positive and highlighted in green.
the loan and they have terminated , so deleted their information.
nterest rate on loan is calculated:
est rates are taken from Parameters sheet for each type of loan
dition of the customer being from bank staff or not is taken.
uced which is shown by if function.
function given till age 20, the rates will be equal to male rates at the age of 18, and after age 20, it be 3 years y
in question for additional discounts
assistance to evaluate the following :

ns and loan amount are mentioned.

for age which is showing as 18 hence, correct.

er age 20, it be 3 years younder than male rates
Base Interest rate 7%

Increase in Interest rate

Home Loan 4%
Vehicle Loan 6%
Education Loan 8%
Personal Loan 10%

Final Interest Rate:

Home Loan Interest Rate 11%

Vehicle Loan Interest Rate 13%
Education Loan Interest Rate 15%
Personal Loan Interest Rate 17%

Discount in Interest rate for Bank Staf 4%

Initial Investment 150 cr

Commission Rate

Premium < 30000 40%

30000<=Premium<60000 37.50%
60000<=Premium<90000 35%
90000<=Premium<120000 32.50%
Premium>=120000 30%

Expected Loan Default Amount 0.02y + 0.01x

where
y is 1 for unsecured loan
0.5 for secured loan

x random number
.02y + 0.01x

for unsecured loan

.5 for secured loan

andom number
Customer and Loan Information

Name of Customer Age of CusGender of CType of Loan Loan Amount

ACOSTA 22 F Education Loan 14000000
ADAMS 58 F Education Loan 9000000
AGUILAR 19 M Education Loan 10000000
AGUIRRE 32 M Personal Loan 12000000
ALEXANDER 22 M Education Loan 8000000
ALLEN 37 M Personal Loan 12000000
ALVARADO 34 M Education Loan 12000000
ALVAREZ 28 M Vehicle Loan 12000000
ANDERSON 47 M Education Loan 13000000
ANDREWS 40 M Home Loan 9000000
ARMSTRONG 29 M Vehicle Loan 12000000
ARNOLD 49 M Home Loan 8000000
AUSTIN 60 M Education Loan 10000000
AVILA 59 M Vehicle Loan 9000000
AYALA 30 M Personal Loan 13000000
BAILEY 24 F Home Loan 13000000
BAKER 46 F Vehicle Loan 11000000
BALDWIN 27 M Vehicle Loan 11000000
BANKS 27 M Personal Loan 10000000
BARBER 45 F Education Loan 13000000
BARKER 44 F Personal Loan 10000000
BARNES 29 M Vehicle Loan 14000000
BARNETT 30 M Education Loan -11000000
BARRETT 39 F Education Loan 9000000
BATES 49 M Education Loan 12000000
BECK 28 F Home Loan 10000000
BECKER 23 F Home Loan 12000000
BELL 21 F Home Loan 13000000
BENNETT 49 F Education Loan 10000000
BENSON 59 M Home Loan 8000000
BERRY 46 M Education Loan 12000000
BISHOP 44 X Home Loan 11000000
BLACK 30 F Home Loan 11000000
BOWEN 31 M Home Loan 10000000
BOWMAN 24 M Vehicle Loan 12000000
BOYD 58 F Vehicle Loan 11000000
BRADLEY 37 M Home Loan 12000000
BREWER 23 F Home Loan 10000000
BROOKS 49 M Education Loan 11000000
BRYANT 20 M Personal Loan 12000000
BURKE 25 M Home Loan 13000000
BURNS 29 F Personal Loan -10000000
BURTON 34 F Vehicle Loan 10000000
BUSH 54 F Education Loan 9000000
BUTLER 55 M Education Loan 9000000
BYRD 35 F Education Loan 8000000
CABRERA 25 M Education Loan 9000000
CALDWELL 34 F Home Loan 11000000
CAMPBELL 24 F Home Loan 11000000
CAMPOS 45 M Education Loan 9000000
CARLSON 22 F Personal Loan 9000000
CARPENTER 43 F Personal Loan 12000000
CARR 55 F Personal Loan 13000000
CARRILLO 23 F Education Loan 10000000
CARROLL 60 F Vehicle Loan 9000000
CARTER 53 F Personal Loan 12000000
CASTILLO 46 F Personal Loan 11000000
CASTRO 33 M Home Loan 11000000
CERVANTES 38 F Home Loan 10000000
CHAMBERS 30 F Education Loan 14000000
CHANDLER 50 M Vehicle Loan
CHANG 23 X Personal Loan 13000000
CHAPMAN 58 M Home Loan 14000000
CHAVEZ 56 M Home Loan 12000000
CHEN 44 F Education Loan 11000000
CLARK 21 F Home Loan 14000000
COHEN 39 M Education Loan 9000000
COLE 54 M Home Loan 12000000
COLEMAN 28 M Education Loan 8000000
COLLINS 47 F Home Loan 8000000
CONTRERAS 45 F Home Loan 9000000
COOK 19 F Education Loan 11000000
COOPER 24 M Education Loan 12000000
CORTEZ 44 M Home Loan 10000000
COX 18 F Vehicle Loan 10000000
CRAIG 51 F Education Loan 14000000
CRAWFORD 27 M Home Loan 9000000
CRUZ 46 F Vehicle Loan 10000000
CUMMINGS 27 M Home Loan 12000000
CUNNINGHAM 22 F Education Loan 13000000
CURTIS 37 M Vehicle Loan 10000000
DANIEL 43 F Personal Loan 11000000
DANIELS 60 M Personal Loan 13000000
DAVIDSON 29 F Vehicle Loan 13000000
DAWSON 44 M Home Loan 10000000
DAY 57 M Education Loan 12000000
DEAN 31 F Personal Loan 10000000
DELEON 27 F Personal Loan 13000000
DELGADO 37 M Education Loan 11000000
DIAZ 18 M Home Loan 9000000
DIXON 59 F Vehicle Loan 12000000
DOMINGUEZ 29 M Vehicle Loan 10000000
DOUGLAS 48 F Personal Loan 14000000
DUNCAN 45 F Personal Loan 11000000
DUNN 51 M Vehicle Loan 13000000
DURAN 31 M Home Loan 13000000
EDWARDS 37 F Home Loan 9000000
ELLIOTT 39 F Education Loan 9000000
ELLIS 36 M Vehicle Loan 11000000
ERICKSON 48 F Personal Loan 8000000
ESPINOZA 30 F Personal Loan 12000000
ESTRADA 59 F Vehicle Loan 8000000
EVANS 38 F Vehicle Loan 12000000
FERGUSON 51 F Vehicle Loan 13000000
FERNANDEZ 58 F Education Loan 13000000
FIELDS 48 M Vehicle Loan 11000000
FIGUEROA 34 F Education Loan 8000000
FISHER 51 M Education Loan 8000000
FLEMING 28 F Vehicle Loan 10000000
FLETCHER 35 F Home Loan 13000000
FLORES 46 F Education Loan 10000000
FORD 19 F Education Loan 9000000
FOSTER 54 F Vehicle Loan 12000000
FOWLER 44 F Personal Loan 9000000
FOX 42 X Home Loan 11000000
FRANKLIN 18 M Education Loan 8000000
FRAZIER 49 F Home Loan 10000000
FREEMAN 33 F 12000000
FUENTES 27 F Vehicle Loan 12000000
FULLER 50 F Vehicle Loan 11000000
GARDNER 29 F Home Loan 13000000
GARRETT 45 M Home Loan 9000000
GARZA 31 M Home Loan 10000000
GEORGE 37 F Personal Loan 12000000
GIBSON 21 M Education Loan 9000000
GILBERT 47 F Home Loan 13000000
GOMEZ 25 M Vehicle Loan 11000000
GONZALES 58 M Vehicle Loan 13000000
GONZALEZ 32 M Education Loan 9000000
GORDON 45 F Vehicle Loan 11000000
GRAHAM 58 M Home Loan 13000000
GRANT 47 F Vehicle Loan 13000000
GRAVES 41 F Vehicle Loan 11000000
GRAY 46 F Home Loan 12000000
GREEN 46 F Education Loan 9000000
GREENE 51 M Personal Loan 9000000
GREGORY 52 M Education Loan 11000000
GRIFFIN 41 M Home Loan 13000000
GUERRERO 37 M Education Loan 11000000
GUTIERREZ 60 M Home Loan -12000000
GUZMAN 30 M Vehicle Loan 12000000
HAIL 39 F Vehicle Loan 9000000
HALE 50 M Home Loan 9000000
HALL 36 F Personal Loan 9000000
HAMILTON 46 F Education Loan 10000000
HANSEN 40 F Personal Loan 11000000
HANSON 33 F Education Loan 10000000
HARDY 33 M Vehicle Loan 11000000
HARPER 40 F Home Loan 14000000
HARRIS 38 F Home Loan 13000000
HARRISON 49 M Home Loan 10000000
HART 49 F Personal Loan 13000000
HARVEY 27 F Education Loan 9000000
HAWKINS 34 M Vehicle Loan 14000000
HAYES 40 F Vehicle Loan 13000000
HAYNES 25 F Vehicle Loan 8000000
HENDERSON 21 F Vehicle Loan 13000000
HENRY 50 X Education Loan 13000000
HERNANDEZ 45 M Vehicle Loan 14000000
HERRERA 47 M Personal Loan 13000000
HICKS 47 F Personal Loan 13000000
HIGGINS 40 M Home Loan 12000000
HILL 36 F Vehicle Loan 9000000
HOFFMAN 56 F Personal Loan 11000000
HOLLAND 26 M Home Loan 12000000
HOLMES 41 M Vehicle Loan 8000000
HOLT 53 F Home Loan 10000000
HOPKINS 44 F Education Loan 9000000
HORTON 18 M Home Loan 12000000
HOWARD 23 F Home Loan 13000000
HOWELL 50 M Home Loan 13000000
HUDSON 43 F Education Loan 9000000
HUGHES 36 M Personal Loan 11000000
HUNT 45 M Home Loan 8000000
HUNTER 34 M Home Loan 13000000
JACKSON 45 F Home Loan 11000000
JACOBS 40 F Education Loan 11000000
JAMES 44 F Personal Loan 13000000
JENKINS 59 M Personal Loan 8000000
JENNINGS 59 M Home Loan 9000000
JENSEN 46 F Personal Loan 10000000
JIMENEZ 35 M Vehicle Loan 9000000
JOHNSTON 23 M Home Loan 8000000
JORDAN 58 M Education Loan 12000000
JOSEPH 26 M Vehicle Loan 12000000
JUAREZ 52 F Vehicle Loan 11000000
KELLER 38 M Personal Loan 14000000
KELLEY 60 M 10000000
KELLY 40 M Personal Loan 13000000
KENNEDY 39 F Education Loan 12000000
KIM 50 F Personal Loan 10000000
KING 36 M Home Loan 9000000
KLEIN 56 F Vehicle Loan 11000000
KNIGHT 50 M Vehicle Loan 14000000
LAMBERT 29 F Home Loan -11000000
LANE 23 F Personal Loan 8000000
LARA 30 F Home Loan 13000000
LARSON 31 M Vehicle Loan 14000000
LAWRENCE 52 M Personal Loan 11000000
LAWSON 23 F Education Loan 10000000
LE 52 M Home Loan 9000000
LEE 53 F Education Loan 9000000
LEON 20 M Personal Loan 9000000
LEONARD 21 M Vehicle Loan 13000000
LEWIS 48 M Personal Loan 11000000
LI 46 F Personal Loan 12000000
LIN 46 F Education Loan 12000000
LITTLE 33 F Education Loan 12000000
LONG 50 X Personal Loan 13000000
LOPEZ 27 M Vehicle Loan 11000000
LOVE 48 F Personal Loan 11000000
LOWE 52 M Personal Loan 14000000
LUCAS 29 M Vehicle Loan 9000000
LUNA 23 F Vehicle Loan 9000000
LYNCH 55 F Vehicle Loan 9000000
LYONS 31 M Home Loan 11000000
MALDONADO 46 F Education Loan 10000000
MANN 46 M Home Loan 14000000
MARQUEZ 27 M Home Loan 12000000
MARSHALL 28 F Vehicle Loan 13000000
MARTIN 27 F Personal Loan 9000000
MARTINEZ 22 F Home Loan 14000000
MASON 18 F Personal Loan 9000000
MATTHEWS 27 M Vehicle Loan 14000000
MAY 38 M Personal Loan 12000000
MCCARTHY 34 M Vehicle Loan 11000000
MCCOY 26 F Personal Loan 11000000
MCDANIEL 31 F Vehicle Loan 12000000
MCDONALD 45 F Vehicle Loan 12000000
MCKINNEY 31 M Personal Loan 9000000
MEDINA 37 F Education Loan 11000000
MEJIA 29 M Home Loan 13000000
MENDEZ 23 F Personal Loan 12000000
MENDOZA 21 M Vehicle Loan 13000000
MEYER 32 M Education Loan 13000000
MILES 32 F Personal Loan 13000000
MILLS 36 M Personal Loan 11000000
MIRANDA 23 F Home Loan 11000000
MITCHELL 57 F Education Loan 9000000
MOLINA 33 M Personal Loan 13000000
MONTGOMERY 39 F Education Loan 10000000
MOORE 20 M Personal Loan 13000000
MORALES 49 F Home Loan 9000000
MORAN 40 F Home Loan 9000000
MORENO 36 F Vehicle Loan 10000000
MORGAN 25 F Education Loan 9000000
MORRIS 21 M Education Loan 8000000
MORRISON 27 M Education Loan 9000000
MUNOZ 51 F Home Loan 9000000
MURPHY 41 F Vehicle Loan 13000000
MURRAY 25 M Personal Loan 11000000
MYERS 31 F Personal Loan 10000000
NAVARRO 52 F Vehicle Loan 12000000
NEAL 30 M Vehicle Loan -10000000
NELSON 53 M Education Loan 12000000
NEWMAN 50 M Home Loan 11000000
NGUYEN 29 M Vehicle Loan 14000000
NICHOLS 24 M Education Loan 9000000
NORRIS 41 M Home Loan 11000000
NUNEZ 56 F Personal Loan 9000000
OBRIEN 24 F Vehicle Loan 13000000
OCHOA 51 F Vehicle Loan 9000000
OLIVER 27 F Education Loan 10000000
OLSON 54 M Education Loan 9000000
ORTEGA 23 X Personal Loan 13000000
ORTIZ 37 F Education Loan 12000000
OWENS 47 F Personal Loan 11000000
PADILLA 49 F Vehicle Loan 9000000
PAGE 19 F Home Loan 11000000
PALMER 31 M Education Loan 9000000
PARK 26 M Personal Loan 11000000
PARKER 53 M Personal Loan 12000000
PARKS 53 F Personal Loan 10000000
PATEL 58 M Home Loan 8000000
PATTERSON 40 M Home Loan 10000000
PAYNE 44 M Vehicle Loan 8000000
PEARSON 55 M Vehicle Loan 8000000
PENA 24 M Personal Loan 9000000
PEREZ 44 M Education Loan 13000000
PERKINS 54 F Personal Loan 9000000
PERRY 28 M Personal Loan 10000000
PETERS 31 M Home Loan 13000000
PETERSON 56 F Education Loan 14000000
PHAM 44 M Home Loan 8000000
PHILLIPS 19 M Home Loan 9000000
PIERCE 47 F Vehicle Loan 11000000
PORTER 26 F Education Loan 10000000
POWELL 52 M Home Loan 10000000
POWERS 41 M Education Loan 13000000
PRICE 30 F Personal Loan 8000000
RAMIREZ 39 F Vehicle Loan 11000000
RAMOS 52 M Personal Loan 10000000
RAY 23 F Home Loan 14000000
REED 29 F Personal Loan 9000000
REEVES 60 F Education Loan 10000000
REID 42 F Personal Loan 8000000
REYES 27 M Personal Loan 13000000
REYNOLDS 52 F Home Loan 13000000
RHODES 25 F Education Loan 12000000
RICE 42 F Personal Loan 11000000
RICHARDS 43 M Home Loan 14000000
RICHARDSON 43 F Personal Loan 9000000
RILEY 56 M Personal Loan 11000000
RIOS 26 F Vehicle Loan 10000000
RIVERA 57 F Vehicle Loan 9000000
ROBERTS 33 F Education Loan 11000000
ROBERTSON 51 F Personal Loan 10000000
ROBINSON 35 M Education Loan 8000000
ROBLES 40 M Education Loan 12000000
RODRIGUEZ 26 M Education Loan 8000000
ROGERS 24 M Home Loan 13000000
ROJAS 51 M Education Loan 13000000
ROMERO 27 F Vehicle Loan 10000000
ROSE 40 M Personal Loan 11000000
ROSS 43 F Education Loan 11000000
RUIZ 21 F Education Loan 13000000
RUSSELL 30 F Education Loan 8000000
RYAN 21 F Vehicle Loan 13000000
SALAZAR 41 M Home Loan 8000000
SALINAS 23 F Vehicle Loan 9000000
SANCHEZ 52 F Education Loan 14000000
SANDERS 57 M Home Loan -11000000
SANDOVAL 34 F Vehicle Loan 14000000
SANTIAGO 53 X Vehicle Loan 10000000
SANTOS 39 M Personal Loan 12000000
SCHMIDT 51 F Home Loan 12000000
SCHNEIDER 29 F Vehicle Loan 13000000
SCHULTZ 33 F Personal Loan 9000000
SCHWARTZ 60 M Vehicle Loan 14000000
SCOTT 24 M Personal Loan 9000000
SHARP 26 M Vehicle Loan 13000000
SHAW 32 F Vehicle Loan 11000000
SHELTON 49 F Personal Loan 10000000
SILVA 28 M Personal Loan 9000000
SIMMONS 53 M Personal Loan 11000000
SIMON 47 M Home Loan 13000000
SIMPSON 41 M Home Loan 11000000
SIMS 25 M Home Loan 11000000
SINGH 60 F Home Loan 13000000
SNYDER 36 M Education Loan 14000000
SOLIS 52 M Education Loan 14000000
SOTO 37 F Education Loan 13000000
SPENCER 45 M Education Loan 11000000
STANLEY 18 M Vehicle Loan 13000000
STEELE 54 F Home Loan
STEPHENS 56 M Personal Loan 12000000
STEVENS 44 M Personal Loan 12000000
STEWART 54 M Personal Loan 11000000
STONE 51 M Education Loan 14000000
SULLIVAN 29 M Home Loan 13000000
SUTTON 51 F Vehicle Loan 14000000
TAYLOR 24 M Home Loan 14000000
TERRY 37 M Home Loan 9000000
THOMAS 48 F Education Loan 12000000
THOMPSON 59 M Vehicle Loan 9000000
THORNTON 20 M Education Loan 8000000
TORRES 52 F Education Loan 8000000
TRAN 18 M Home Loan 9000000
TUCKER 20 F Vehicle Loan 11000000
TURNER 28 M Education Loan 9000000
VALDEZ 27 F Home Loan 12000000
VARGAS 39 M Education Loan 8000000
VASQUEZ 57 M Education Loan 12000000
VAUGHN 54 M Home Loan 11000000
VAZQUEZ 25 F Education Loan 9000000
VEGA 26 F Education Loan 11000000
VELASQUEZ 60 M Home Loan 14000000
WADE 59 M Home Loan 10000000
WAGNER 37 F Vehicle Loan 10000000
WALKER 52 M Vehicle Loan 9000000
WALLACE 32 F Personal Loan 13000000
WALSH 39 F Personal Loan 13000000
WALTERS 54 F Education Loan 8000000
WANG 52 M Personal Loan 9000000
WARD 60 M Home Loan 13000000
WARNER 33 F Education Loan 13000000
WARREN 28 M Personal Loan 12000000
WASHINGTON 53 F Personal Loan 13000000
WATKINS 51 F Home Loan -9000000
WATSON 30 M Personal Loan 9000000
WATTS 25 M Vehicle Loan 13000000
WEAVER 44 F Education Loan 10000000
WEBB 23 X Home Loan 10000000
WEBER 21 F Home Loan 11000000
WELCH 22 M Personal Loan 8000000
WELLS 38 M Vehicle Loan 9000000
WEST 32 F Education Loan 13000000
WHEELER 50 M Vehicle Loan 12000000
WHITE 55 M Personal Loan 13000000
WILLIAMSON 56 F Home Loan 10000000
WILLIS 27 M Personal Loan 14000000
WILSON 26 M Education Loan 12000000
WOLFE 38 M Home Loan 11000000
WONG 29 M Personal Loan 11000000
WOOD 50 F Vehicle Loan 10000000
WOODS 25 F Home Loan 12000000
WRIGHT 25 F Home Loan 13000000
YANG 51 M Personal Loan 9000000
YOUNG 54 M Home Loan 9000000
ZIMMERMAN 27 F Vehicle Loan 10000000
 Premium Rate Data for
Insurance (per 1000 SA)
Bank Staff Random Number Age of Customer
No -1.110644703725 18
No 1.177819972028 19
No 0.832174255369 20
No 0.619611302868 21
No -2.009907901594 22
No -0.93692640446 23
No 0.779594021803 24
No 1.591399552173 25
No -0.841638224498 26
No -0.292954948558 27
No 0.641051169795 28
No 0.618638570406 29
No -0.259822882261 30
Yes 1.704851169497 31
No -1.949827545059 32
No 1.110830689254 33
No -0.486939089879 34
No -0.63516689882 35
No -0.342062375604 36
No -0.539361739911 37
No -1.25323784083 38
No 0.02101422558 39
No -0.774616299263 40
No -0.59918005077 41
No 1.615423129822 42
No 0.143496495221 43
No -0.528923849229 44
No -0.551858744989 45
No -0.056442998414 46
No 0.821667171655 47
No -0.285720077523 48
No 0.574323087197 49
No 0.058537885147 50
No 1.018742531019 51
No -0.999666527938 52
No 0.431114625391 53
Yes -0.899026736548 54
No 0.421090560902 55
No -1.00143959963 56
No 0.271188252167 57
No 2.538106243597 58
No -2.273601593389 59
No -1.553381272829 60
No -0.696781672729
No -0.161450251996
No 1.15145161352
No 0.745262369997
No -1.967936721399
No 0.716431834219
No -0.056839988893
No 0.459104890071
No -0.356115223846
No 0.001842279467
No -0.670803215735
No -1.11672340519
No 0.403009295686
No 0.494485592753
No -0.013280585241
No 0.834308455507
No -0.121832513317
No 0.361013426974
No 0.83550312934
No -1.298702464052
No -0.20903258901
No -0.59877465938
No -0.240970187051
No -0.670992131769
No 1.133410273269
No -0.817021828174
No 0.686260099939
No -0.180943302054
No -1.914871741523
No 0.005068030763
1.142557021973
No 0.052044983202
No 0.163583154579
No 0.268806069211
No -0.897098930681
No -1.246164756703
No 0.349246646681
No -0.423637084879
No 1.314701445696
No 1.007315074955
No 0.604506081228
No -0.154772282933
No 0.479793851552
No -1.253479975778
No -0.911958168366
No -1.427751053048
No 2.31116992309
No -0.165684264662
No 0.367373390566
No -1.484479919854
No 0.709541059906
No -0.224482323237
No -0.09477426559
No -0.931357117325
No -0.384194887668
No -1.484330842712
No 0.6445723424
No -0.042167114175
No -0.989548374946
No -0.99002747919
No -0.640872729011
No -0.134793839326
No -0.8273242281
No 0.472850367188
No -0.65278348805
No -0.597087772494
No 0.004655674236
No 0.346965994077
No -0.307540454635
No -0.441426779843
No -2.328491257149
No -1.346925781138
No -1.07252914114
-0.505990617442
No -1.773139089332
No -0.5953314841
No -0.369231440748
No 1.3716519374
No 0.339102446911
No 1.681873985663
No -0.132735699347
No 0.55415321944
No 0.550023260298
No 0.841482693063
No -1.857304725428
No 2.682484825832
No 0.100493980405
No 0.276680869926
No 2.091407571289
No -0.491829697357
No 0.343171068471
No 0.938473485945
No 1.070180251593
No 0.498592341698
No -0.135395508911
No -0.360342725548
No 0.436681198913
No -0.409208718885
No 0.320541821581
No -1.771683747983
No -0.461395108566
Yes 1.207997068134
No 0.280835828448
No 1.129655256794
No -1.615229676292
No -1.331746027913
No -0.314879649095
No 0.361815175114
No 1.363302794828
No -1.008879714801
No -0.967719377814
No -0.271285322115
No -1.649079710936
No -0.400859072518
No -2.215910949648
No -0.996318959107
No -1.150723757199
No 0.737231786328
No 0.393876227137
No 0.07951884933
No 0.705171612515
No 0.124877447341
No -1.594823641372
No 0.168984447028
No -0.212727533776
No 1.120324198281
Yes 0.268477817785
No 1.348411070608
No -0.394190868341
No -0.033000226721
No 0.256252832476
No -0.022331850197
No 1.04886166268
No 1.272366956106
No 0.029084357508
No 1.258260533267
No 2.516092416669
No -0.370475047389
No 1.905907688706
No -0.935519967021
No 0.877072824487
No -1.076118387915
No 1.144492677497
No 0.78991038489
No -0.889001155104
No -1.011521531266
No 0.04410027616
No 0.155568455075
No 0.453200204807
No -1.092266276736
No 0.096978594808
No 0.611549235751
No 1.329184699919
No -1.244265504465
No -1.111876795386
No -0.120700497991
No -0.105096962206
No -1.956787458436
No -0.327088477477
No 1.421127387294
No 0.522383674247
No 0.278222652644
No 0.18868104062
-0.126270092192
No -0.109824210874
No 0.73848976984
No 1.1014241125
No -0.499699967654
No 1.105359466371
No 0.375532303136
No -1.165846920231
No 0.647751337718
No -0.643803080669
No -1.276461115649
No 0.135285447836
No 0.491086330428
No -0.21867189072
No -0.826042142352
No 1.163975194868
No 1.82167425255
No 1.343911370151
No 0.185111712771
No -0.543072581803
No 0.957949033891
No 0.075842737415
No -0.554244535675
No 1.066916889984
No 0.679705894743
No 0.468545818044
No 0.323908192092
No -0.019024423283
No 0.071112658914
No 0.225212558744
No 0.902506362847
No -0.891161334371
No -0.327174721192
No 0.553020989745
No -0.134678332309
No 0.084690657673
No -1.711191583169
No -0.73316340505
No 0.356102026348
No 1.119836299897
No -1.406017699183
No -0.223655736974
No 1.079596947696
No -1.490697625641
No 0.481990738184
No -0.744732238
No -0.258952594199
No 1.257332492035
No 1.026197507165
No 1.763892142842
No -0.482031634006
No -1.512668127835
No -0.503084255746
No -1.929838460243
No 0.03388087624
No -0.612968238223
No -1.371309656387
No 0.759694849516
No 0.162108278037
No -0.828366844523
No -0.074254478004
No -0.213177368017
No -0.513579305788
No -0.46420798917
No 0.921707411566
No -0.082383144437
No -1.155542252472
No -0.533915669518
No 1.645596336674
No -0.018931233508
No 0.787597393613
No -0.009835341643
No 0.664100544045
No -0.531211942252
No 1.374179522423
No -2.259759482762
No 0.467333301501
No -0.477291999072
-1.718346224851
No -1.977052487523
No 1.181627687443
No -1.595634600329
No -1.53272638761
No -0.446307042857
No 0.382060472557
No 0.712237082463
No -0.629073909466
No -0.691343105463
No -0.526706785526
No 0.318803685968
No -1.803633289761
No 0.899083535202
No 3.17293486974
No 0.287607343204
No -0.647225718376
No -0.977842269609
No 1.055487991243
No -0.84846144088
No -1.129551711753
No 0.809730519749
No -0.597393549449
No 1.313055979492
No -0.343413188486
No 1.458609626267
No 0.472500697764
No -1.208720619294
No -0.23610953951
No 1.249141898266
No -0.985893008717
Yes 0.667324761481
No -0.589603207602
No -1.371496978719
No 0.613068662731
No -0.520147222458
No -0.215501246262
No -0.267093661327
No 1.370173280873
No 0.061419348292
No 1.664663237551
No 1.81552090444
No -0.128622421598
No -2.13233891244
No 0.351870913589
No 1.83989714277
No 0.433376978223
No 0.098006078218
No -0.353482863542
No -0.626922058824
No 1.655728484214
No 0.271116500199
No -1.945034442475
No 0.460278100997
No -2.017609585505
No -0.244978733456
No -0.29474485605
No 0.363441135792
No 1.454417198628
No 0.320025043854
No -0.850535749871
No 0.454524304971
No -1.741538286396
No 0.254024906682
No 0.144592519296
No 0.251280434744
No 0.625413415524
No 2.051673328869
No 0.551899783698
No -1.428964716211
No 1.0867373413
No 0.512031605738
No 0.679448022443
No -0.940813783746
No -1.485968274374
No 2.019054671902
No -0.244099258905
No 0.212518046877
No -0.71343127876
No 0.366038839844
No -1.672364055672
No -0.22140659427
No 0.235738563917
No 0.10966163066
No 0.498251501275
No 0.286239190579
No 1.003029377093
No -1.621098393723
No 1.633764426064
No -1.241616857956
No -0.275860545192
No -2.003311584211
No -0.308185783836
No 0.737458266341
No -0.033125216651
No 0.479897280572
No -1.112636940144
No -0.942834081457
No 2.183701392218
No -0.055979176933
No 0.00027998403
No 2.132695729946
No -0.029404998507
Yes -0.30489413937
No 0.536491990429
No -2.956017950394
No -0.07550108124
No -1.403196262736
No -0.843848672054
No -0.56156478238
No 0.004274579283
No -1.364998002891
No -0.033327820409
No -0.670867634864
No 1.33842843675
No -0.292078457052
 Checks:
Premium Rate for Male Customer There should be 400 customers availing the loan as per
3.01 Age of customers should be 18 and above.
3.085 Count of Customers 400
3.162 Minimum Age of Customers 18
3.241
3.322 There should be only 4 types of loans: Education, Perso
3.405 Types of Loans:
3.49 Education Loan
3.577 Personal Loan
3.666 Home Loan
3.758 Vehicle Loan
3.85195
3.948 102
4.047 96
3.933 107
4.252 93
4.358 398
-4.467
4.579 Hence 2 customers have not been provided any loan
4.693
4.81 Loan Amount Check
4.93 Maximum 14000000
5.053 Minimum -12000000
5.179 Average 10605528
5.308 Blank 2
5.441 Negative 7
5.577025
5.716 Hence the loan amount is negative for 7 customers whic
5.859 And there are 2 customers for whom loan amount is bla
6.005
5.91 Premium Rate for Male Customer Check
6.309 Minimum -6.629
6.467 Maximum 8.486
-6.629 Negative 2
6.795
6.965 Hence premium rates are negative which is not correct
7.139
7.317
7.5
7.45
7.88
8.077
8.279
8.486
 availing the loan as per given information.
and above.

loans: Education, Personal, Vehicle, Home and no other type of loan

en provided any loan

tive for 7 customers which is not correct

whom loan amount is blank

ive which is not correct

Random Number
-1.11064470372546 Normal Distribution Check:
1.17781997202754
0.832174255368765 Less Than
0.619611302867693 -3
-2.00990790159425 -2.5
-0.936926404460119 -2
0.779594021803072 -1.5
1.59139955217274 -1
-0.841638224498105 -0.5
-0.292954948557861 0
0.641051169794687 0.5
0.618638570406357 1
-0.259822882261337 1.5
1.70485116949655 2
-1.94982754505875 2.5
1.11083068925398 3
-0.486939089878751 3.5
-0.635166898819527
-0.342062375604123
-0.539361739910967
-1.25323784083017
0.0210142255802583
-0.774616299262978
-0.599180050769714
1.61542312982235
0.14349649522104
-0.528923849229164
-0.551858744988985
-0.0564429984139981
0.821667171654577
-0.285720077522894
0.574323087196768
0.058537885146832
1.01874253101853
-0.999666527938244
0.431114625391092
-0.899026736548456
0.421090560902338
-1.00143959962951
0.271188252166591
2.53810624359706
-2.27360159338933
-1.55338127282878
-0.696781672728781
-0.161450251995626
1.1514516135196
 0.74526236999669
-1.96793672139925
0.716431834219228
-0.0568399888932591
0.459104890070864
-0.356115223845994
0.0018422794671917
-0.67080321573468
-1.11672340519003
0.403009295686102
0.494485592752899
-0.0132805852412919
0.83430845550684
-0.121832513316513
0.361013426974285
0.835503129340252
-1.29870246405247
-0.209032589010162
-0.598774659379912
-0.240970187051351
-0.670992131769334
1.13341027326924
-0.817021828173909
0.686260099939176
-0.180943302053874
-1.91487174152265
0.00506803076347862
1.14255702197344
0.0520449832020132
0.163583154579398
0.26880606921093
-0.89709893068089
-1.24616475670295
0.349246646681303
-0.423637084879058
1.31470144569569
1.00731507495473
0.604506081228496
-0.154772282932775
0.479793851551995
-1.25347997577788
-0.911958168365697
-1.42775105304837
2.31116992308995
-0.165684264662075
0.367373390566489
-1.48447991985425
0.709541059905936
 -0.224482323237141
-0.094774265589804
-0.931357117325367
-0.384194887668483
-1.4843308427118
0.644572342399612
-0.0421671141747204
-0.989548374945665
-0.99002747919035
-0.640872729011468
-0.13479383932646
-0.827324228100056
0.47285036718785
-0.652783488049847
-0.597087772493861
0.00465567423585244
0.346965994077073
-0.307540454635163
-0.441426779842824
-2.3284912571488
-1.3469257811378
-1.07252914114014
-0.505990617442391
-1.77313908933214
-0.595331484100222
-0.369231440748473
1.37165193740029
0.339102446911321
1.68187398566304
-0.132735699346558
0.554153219440402
0.550023260298144
0.841482693062885
-1.85730472542827
2.68248482583168
0.100493980404885
0.276680869926304
2.09140757128863
-0.491829697356731
0.343171068471096
0.938473485944789
1.07018025159253
0.498592341698283
-0.135395508911309
-0.360342725548077
0.436681198913185
-0.40920871888494
0.320541821580634
 -1.77168374798288
-0.461395108565902
1.20799706813375
0.280835828448484
1.1296552567941
-1.61522967629229
-1.33174602791279
-0.31487964909534
0.361815175114229
1.36330279482818
-1.00887971480129
-0.967719377813983
-0.271285322114878
-1.64907971093641
-0.400859072518456
-2.21591094964805
-0.996318959106716
-1.15072375719948
0.737231786328463
0.393876227136539
0.0795188493302112
0.7051716125146
0.12487744734129
-1.59482364137225
0.168984447027891
-0.212727533776372
1.12032419828087
0.268477817784515
1.34841107060827
-0.394190868341347
-0.0330002267206513
0.256252832476419
-0.0223318501971791
1.04886166267955
1.27236695610613
0.0290843575075037
1.25826053326678
2.51609241666925
-0.370475047388555
1.90590768870584
-0.935519967021045
0.877072824486886
-1.07611838791546
1.14449267749721
0.7899103848903
-0.889001155104109
-1.01152153126593
0.0441002761597139
 0.155568455075326
0.453200204807134
-1.09226627673588
0.0969785948081197
0.611549235750804
1.32918469991905
-1.24426550446543
-1.11187679538597
-0.120700497991311
-0.105096962205554
-1.95678745843588
-0.327088477477383
1.42112738729377
0.522383674246646
0.278222652643658
0.18868104061987
-0.126270092192423
-0.10982421087407
0.738489769840116
1.10142411249986
-0.499699967654207
1.10535946637064
0.375532303136426
-1.1658469202312
0.647751337718279
-0.643803080669176
-1.27646111564853
0.135285447835952
0.491086330428191
-0.218671890719754
-0.826042142352464
1.16397519486824
1.82167425255043
1.34391137015092
0.185111712771011
-0.543072581803288
0.957949033890908
0.0758427374153561
-0.554244535674541
1.06691688998382
0.679705894743311
0.46854581804401
0.323908192092404
-0.0190244232831262
0.0711126589140978
0.225212558744189
0.90250636284674
-0.891161334370642
 -0.32717472119233
0.5530209897449
-0.134678332308752
0.0846906576733326
-1.71119158316906
-0.733163405050206
0.356102026348448
1.11983629989695
-1.40601769918311
-0.22365573697411
1.07959694769574
-1.49069762564128
0.481990738184151
-0.744732238000077
-0.258952594199109
1.25733249203469
1.02619750716539
1.76389214284161
-0.482031634006229
-1.51266812783536
-0.503084255746035
-1.92983846024282
0.0338808762402595
-0.612968238222596
-1.37130965638659
0.759694849516333
0.162108278037093
-0.828366844523013
-0.074254478004474
-0.213177368017425
-0.513579305787869
-0.464207989170438
0.921707411566369
-0.0823831444369098
-1.15554225247154
-0.533915669517966
1.64559633667445
-0.0189312335078713
0.787597393612848
-0.00983534164313691
0.664100544045174
-0.531211942252492
1.37417952242349
-2.25975948276191
0.467333301501169
-0.477291999071674
-1.7183462248514
-1.97705248752291
 1.18162768744319
-1.5956346003286
-1.53272638760956
-0.446307042856857
0.382060472556958
0.712237082462904
-0.629073909466335
-0.691343105462517
-0.526706785525563
0.318803685968433
-1.80363328976142
0.899083535201584
3.17293486974036
0.287607343203507
-0.647225718375769
-0.97784226960884
1.05548799124327
-0.848461440879522
-1.12955171175346
0.809730519749414
-0.597393549448618
1.31305597949228
-0.343413188485612
1.45860962626721
0.472500697763713
-1.20872061929397
-0.236109539510279
1.24914189826638
-0.985893008717467
0.667324761480608
-0.589603207601832
-1.37149697871894
0.613068662730756
-0.520147222457747
-0.215501246261729
-0.267093661326867
1.37017328087328
0.0614193482924485
1.66466323755094
1.81552090444035
-0.128622421597643
-2.13233891243997
0.351870913588867
1.83989714277033
0.4333769782234
0.0980060782183101
-0.353482863542054
-0.626922058823974
 1.65572848421418
0.271116500199372
-1.94503444247491
0.460278100996825
-2.01760958550513
-0.244978733455818
-0.294744856049808
0.363441135792212
1.45441719862803
0.320025043854063
-0.850535749870588
0.454524304971064
-1.74153828639621
0.254024906682173
0.144592519296219
0.251280434743831
0.625413415523535
2.05167332886931
0.551899783698218
-1.42896471621136
1.08673734129954
0.512031605738181
0.679448022442718
-0.940813783746194
-1.48596827437392
2.01905467190236
-0.244099258904971
0.212518046877182
-0.71343127875979
0.366038839843588
-1.67236405567242
-0.221406594269772
0.235738563916965
0.10966163066003
0.498251501274772
0.28623919057891
1.00302937709325
-1.62109839372286
1.63376442606429
-1.24161685795642
-0.275860545192424
-2.0033115842105
-0.308185783835616
0.737458266340993
-0.0331252166511824
0.479897280572043
-1.11263694014381
-0.942834081457378
 2.18370139221778
-0.0559791769326313
0.0002799840297393
2.13269572994587
-0.0294049985067078
-0.304894139370231
0.536491990429478
-2.95601795039351
-0.0755010812403534
-1.40319626273556
-0.843848672054083
-0.56156478237985
0.00427457928342583
-1.36499800289081
-0.0333278204089215
-0.670867634864385
1.33842843674958
-0.2920784570516
mal Distribution Check:

Cummulative Frequency Frequency

0 0 F
1 1 90
9 8 80
32 23
70
67 35
60
128 61
207 79 50
290 83 40
336 46 30
377 41
20
390 13
10
396 6
399 3 0
-3 -2.5 -2 -1.5 -1 -0.5
400 1
Total 400
The graph looks bell shaped
 Frequency

3 -2.5 -2 -1.5 -1 -0.5 0 0.5 1 1.5 2 2.5 3 3.5

ooks bell shaped

Customer and Loan Information

Name of Customer Age of CusGender of CType of Loan Loan Amount

ACOSTA 22 F Education Loan 14000000
ADAMS 58 F Education Loan 9000000
AGUILAR 19 M Education Loan 10000000
AGUIRRE 32 M Personal Loan 12000000
ALEXANDER 22 M Education Loan 8000000
ALLEN 37 M Personal Loan 12000000
ALVARADO 34 M Education Loan 12000000
ALVAREZ 28 M Vehicle Loan 12000000
ANDERSON 47 M Education Loan 13000000
ANDREWS 40 M Home Loan 9000000
ARMSTRONG 29 M Vehicle Loan 12000000
ARNOLD 49 M Home Loan 8000000
AUSTIN 60 M Education Loan 10000000
AVILA 59 M Vehicle Loan 9000000
AYALA 30 M Personal Loan 13000000
BAILEY 24 F Home Loan 13000000
BAKER 46 F Vehicle Loan 11000000
BALDWIN 27 M Vehicle Loan 11000000
BANKS 27 M Personal Loan 10000000
BARBER 45 F Education Loan 13000000
BARKER 44 F Personal Loan 10000000
BARNES 29 M Vehicle Loan 14000000
BARNETT 30 M Education Loan 11000000
BARRETT 39 F Education Loan 9000000
BATES 49 M Education Loan 12000000
BECK 28 F Home Loan 10000000
BECKER 23 F Home Loan 12000000
BELL 21 F Home Loan 13000000
BENNETT 49 F Education Loan 10000000
BENSON 59 M Home Loan 8000000
BERRY 46 M Education Loan 12000000
BISHOP 44 X Home Loan 11000000
BLACK 30 F Home Loan 11000000
BOWEN 31 M Home Loan 10000000
BOWMAN 24 M Vehicle Loan 12000000
BOYD 58 F Vehicle Loan 11000000
BRADLEY 37 M Home Loan 12000000
BREWER 23 F Home Loan 10000000
BROOKS 49 M Education Loan 11000000
BRYANT 20 M Personal Loan 12000000
BURKE 25 M Home Loan 13000000
BURNS 29 F Personal Loan 10000000
BURTON 34 F Vehicle Loan 10000000
BUSH 54 F Education Loan 9000000
BUTLER 55 M Education Loan 9000000
BYRD 35 F Education Loan 8000000
CABRERA 25 M Education Loan 9000000
CALDWELL 34 F Home Loan 11000000
CAMPBELL 24 F Home Loan 11000000
CAMPOS 45 M Education Loan 9000000
CARLSON 22 F Personal Loan 9000000
CARPENTER 43 F Personal Loan 12000000
CARR 55 F Personal Loan 13000000
CARRILLO 23 F Education Loan 10000000
CARROLL 60 F Vehicle Loan 9000000
CARTER 53 F Personal Loan 12000000
CASTILLO 46 F Personal Loan 11000000
CASTRO 33 M Home Loan 11000000
CERVANTES 38 F Home Loan 10000000
CHAMBERS 30 F Education Loan 14000000
CHANG 23 X Personal Loan 13000000
CHAPMAN 58 M Home Loan 14000000
CHAVEZ 56 M Home Loan 12000000
CHEN 44 F Education Loan 11000000
CLARK 21 F Home Loan 14000000
COHEN 39 M Education Loan 9000000
COLE 54 M Home Loan 12000000
COLEMAN 28 M Education Loan 8000000
COLLINS 47 F Home Loan 8000000
CONTRERAS 45 F Home Loan 9000000
COOK 19 F Education Loan 11000000
COOPER 24 M Education Loan 12000000
CORTEZ 44 M Home Loan 10000000
COX 18 F Vehicle Loan 10000000
CRAIG 51 F Education Loan 14000000
CRAWFORD 27 M Home Loan 9000000
CRUZ 46 F Vehicle Loan 10000000
CUMMINGS 27 M Home Loan 12000000
CUNNINGHAM 22 F Education Loan 13000000
CURTIS 37 M Vehicle Loan 10000000
DANIEL 43 F Personal Loan 11000000
DANIELS 60 M Personal Loan 13000000
DAVIDSON 29 F Vehicle Loan 13000000
DAWSON 44 M Home Loan 10000000
DAY 57 M Education Loan 12000000
DEAN 31 F Personal Loan 10000000
DELEON 27 F Personal Loan 13000000
DELGADO 37 M Education Loan 11000000
DIAZ 18 M Home Loan 9000000
DIXON 59 F Vehicle Loan 12000000
DOMINGUEZ 29 M Vehicle Loan 10000000
DOUGLAS 48 F Personal Loan 14000000
DUNCAN 45 F Personal Loan 11000000
DUNN 51 M Vehicle Loan 13000000
DURAN 31 M Home Loan 13000000
EDWARDS 37 F Home Loan 9000000
ELLIOTT 39 F Education Loan 9000000
ELLIS 36 M Vehicle Loan 11000000
ERICKSON 48 F Personal Loan 8000000
ESPINOZA 30 F Personal Loan 12000000
ESTRADA 59 F Vehicle Loan 8000000
EVANS 38 F Vehicle Loan 12000000
FERGUSON 51 F Vehicle Loan 13000000
FERNANDEZ 58 F Education Loan 13000000
FIELDS 48 M Vehicle Loan 11000000
FIGUEROA 34 F Education Loan 8000000
FISHER 51 M Education Loan 8000000
FLEMING 28 F Vehicle Loan 10000000
FLETCHER 35 F Home Loan 13000000
FLORES 46 F Education Loan 10000000
FORD 19 F Education Loan 9000000
FOSTER 54 F Vehicle Loan 12000000
FOWLER 44 F Personal Loan 9000000
FOX 42 X Home Loan 11000000
FRANKLIN 18 M Education Loan 8000000
FRAZIER 49 F Home Loan 10000000
FUENTES 27 F Vehicle Loan 12000000
FULLER 50 F Vehicle Loan 11000000
GARDNER 29 F Home Loan 13000000
GARRETT 45 M Home Loan 9000000
GARZA 31 M Home Loan 10000000
GEORGE 37 F Personal Loan 12000000
GIBSON 21 M Education Loan 9000000
GILBERT 47 F Home Loan 13000000
GOMEZ 25 M Vehicle Loan 11000000
GONZALES 58 M Vehicle Loan 13000000
GONZALEZ 32 M Education Loan 9000000
GORDON 45 F Vehicle Loan 11000000
GRAHAM 58 M Home Loan 13000000
GRANT 47 F Vehicle Loan 13000000
GRAVES 41 F Vehicle Loan 11000000
GRAY 46 F Home Loan 12000000
GREEN 46 F Education Loan 9000000
GREENE 51 M Personal Loan 9000000
GREGORY 52 M Education Loan 11000000
GRIFFIN 41 M Home Loan 13000000
GUERRERO 37 M Education Loan 11000000
GUTIERREZ 60 M Home Loan 12000000
GUZMAN 30 M Vehicle Loan 12000000
HAIL 39 F Vehicle Loan 9000000
HALE 50 M Home Loan 9000000
HALL 36 F Personal Loan 9000000
HAMILTON 46 F Education Loan 10000000
HANSEN 40 F Personal Loan 11000000
HANSON 33 F Education Loan 10000000
HARDY 33 M Vehicle Loan 11000000
HARPER 40 F Home Loan 14000000
HARRIS 38 F Home Loan 13000000
HARRISON 49 M Home Loan 10000000
HART 49 F Personal Loan 13000000
HARVEY 27 F Education Loan 9000000
HAWKINS 34 M Vehicle Loan 14000000
HAYES 40 F Vehicle Loan 13000000
HAYNES 25 F Vehicle Loan 8000000
HENDERSON 21 F Vehicle Loan 13000000
HENRY 50 X Education Loan 13000000
HERNANDEZ 45 M Vehicle Loan 14000000
HERRERA 47 M Personal Loan 13000000
HICKS 47 F Personal Loan 13000000
HIGGINS 40 M Home Loan 12000000
HILL 36 F Vehicle Loan 9000000
HOFFMAN 56 F Personal Loan 11000000
HOLLAND 26 M Home Loan 12000000
HOLMES 41 M Vehicle Loan 8000000
HOLT 53 F Home Loan 10000000
HOPKINS 44 F Education Loan 9000000
HORTON 18 M Home Loan 12000000
HOWARD 23 F Home Loan 13000000
HOWELL 50 M Home Loan 13000000
HUDSON 43 F Education Loan 9000000
HUGHES 36 M Personal Loan 11000000
HUNT 45 M Home Loan 8000000
HUNTER 34 M Home Loan 13000000
JACKSON 45 F Home Loan 11000000
JACOBS 40 F Education Loan 11000000
JAMES 44 F Personal Loan 13000000
JENKINS 59 M Personal Loan 8000000
JENNINGS 59 M Home Loan 9000000
JENSEN 46 F Personal Loan 10000000
JIMENEZ 35 M Vehicle Loan 9000000
JOHNSTON 23 M Home Loan 8000000
JORDAN 58 M Education Loan 12000000
JOSEPH 26 M Vehicle Loan 12000000
JUAREZ 52 F Vehicle Loan 11000000
KELLER 38 M Personal Loan 14000000
KELLY 40 M Personal Loan 13000000
KENNEDY 39 F Education Loan 12000000
KIM 50 F Personal Loan 10000000
KING 36 M Home Loan 9000000
KLEIN 56 F Vehicle Loan 11000000
KNIGHT 50 M Vehicle Loan 14000000
LAMBERT 29 F Home Loan 11000000
LANE 23 F Personal Loan 8000000
LARA 30 F Home Loan 13000000
LARSON 31 M Vehicle Loan 14000000
LAWRENCE 52 M Personal Loan 11000000
LAWSON 23 F Education Loan 10000000
LE 52 M Home Loan 9000000
LEE 53 F Education Loan 9000000
LEON 20 M Personal Loan 9000000
LEONARD 21 M Vehicle Loan 13000000
LEWIS 48 M Personal Loan 11000000
LI 46 F Personal Loan 12000000
LIN 46 F Education Loan 12000000
LITTLE 33 F Education Loan 12000000
LONG 50 X Personal Loan 13000000
LOPEZ 27 M Vehicle Loan 11000000
LOVE 48 F Personal Loan 11000000
LOWE 52 M Personal Loan 14000000
LUCAS 29 M Vehicle Loan 9000000
LUNA 23 F Vehicle Loan 9000000
LYNCH 55 F Vehicle Loan 9000000
LYONS 31 M Home Loan 11000000
MALDONADO 46 F Education Loan 10000000
MANN 46 M Home Loan 14000000
MARQUEZ 27 M Home Loan 12000000
MARSHALL 28 F Vehicle Loan 13000000
MARTIN 27 F Personal Loan 9000000
MARTINEZ 22 F Home Loan 14000000
MASON 18 F Personal Loan 9000000
MATTHEWS 27 M Vehicle Loan 14000000
MAY 38 M Personal Loan 12000000
MCCARTHY 34 M Vehicle Loan 11000000
MCCOY 26 F Personal Loan 11000000
MCDANIEL 31 F Vehicle Loan 12000000
MCDONALD 45 F Vehicle Loan 12000000
MCKINNEY 31 M Personal Loan 9000000
MEDINA 37 F Education Loan 11000000
MEJIA 29 M Home Loan 13000000
MENDEZ 23 F Personal Loan 12000000
MENDOZA 21 M Vehicle Loan 13000000
MEYER 32 M Education Loan 13000000
MILES 32 F Personal Loan 13000000
MILLS 36 M Personal Loan 11000000
MIRANDA 23 F Home Loan 11000000
MITCHELL 57 F Education Loan 9000000
MOLINA 33 M Personal Loan 13000000
MONTGOMERY 39 F Education Loan 10000000
MOORE 20 M Personal Loan 13000000
MORALES 49 F Home Loan 9000000
MORAN 40 F Home Loan 9000000
MORENO 36 F Vehicle Loan 10000000
MORGAN 25 F Education Loan 9000000
MORRIS 21 M Education Loan 8000000
MORRISON 27 M Education Loan 9000000
MUNOZ 51 F Home Loan 9000000
MURPHY 41 F Vehicle Loan 13000000
MURRAY 25 M Personal Loan 11000000
MYERS 31 F Personal Loan 10000000
NAVARRO 52 F Vehicle Loan 12000000
NEAL 30 M Vehicle Loan 10000000
NELSON 53 M Education Loan 12000000
NEWMAN 50 M Home Loan 11000000
NGUYEN 29 M Vehicle Loan 14000000
NICHOLS 24 M Education Loan 9000000
NORRIS 41 M Home Loan 11000000
NUNEZ 56 F Personal Loan 9000000
OBRIEN 24 F Vehicle Loan 13000000
OCHOA 51 F Vehicle Loan 9000000
OLIVER 27 F Education Loan 10000000
OLSON 54 M Education Loan 9000000
ORTEGA 23 X Personal Loan 13000000
ORTIZ 37 F Education Loan 12000000
OWENS 47 F Personal Loan 11000000
PADILLA 49 F Vehicle Loan 9000000
PAGE 19 F Home Loan 11000000
PALMER 31 M Education Loan 9000000
PARK 26 M Personal Loan 11000000
PARKER 53 M Personal Loan 12000000
PARKS 53 F Personal Loan 10000000
PATEL 58 M Home Loan 8000000
PATTERSON 40 M Home Loan 10000000
PAYNE 44 M Vehicle Loan 8000000
PEARSON 55 M Vehicle Loan 8000000
PENA 24 M Personal Loan 9000000
PEREZ 44 M Education Loan 13000000
PERKINS 54 F Personal Loan 9000000
PERRY 28 M Personal Loan 10000000
PETERS 31 M Home Loan 13000000
PETERSON 56 F Education Loan 14000000
PHAM 44 M Home Loan 8000000
PHILLIPS 19 M Home Loan 9000000
PIERCE 47 F Vehicle Loan 11000000
PORTER 26 F Education Loan 10000000
POWELL 52 M Home Loan 10000000
POWERS 41 M Education Loan 13000000
PRICE 30 F Personal Loan 8000000
RAMIREZ 39 F Vehicle Loan 11000000
RAMOS 52 M Personal Loan 10000000
RAY 23 F Home Loan 14000000
REED 29 F Personal Loan 9000000
REEVES 60 F Education Loan 10000000
REID 42 F Personal Loan 8000000
REYES 27 M Personal Loan 13000000
REYNOLDS 52 F Home Loan 13000000
RHODES 25 F Education Loan 12000000
RICE 42 F Personal Loan 11000000
RICHARDS 43 M Home Loan 14000000
RICHARDSON 43 F Personal Loan 9000000
RILEY 56 M Personal Loan 11000000
RIOS 26 F Vehicle Loan 10000000
RIVERA 57 F Vehicle Loan 9000000
ROBERTS 33 F Education Loan 11000000
ROBERTSON 51 F Personal Loan 10000000
ROBINSON 35 M Education Loan 8000000
ROBLES 40 M Education Loan 12000000
RODRIGUEZ 26 M Education Loan 8000000
ROGERS 24 M Home Loan 13000000
ROJAS 51 M Education Loan 13000000
ROMERO 27 F Vehicle Loan 10000000
ROSE 40 M Personal Loan 11000000
ROSS 43 F Education Loan 11000000
RUIZ 21 F Education Loan 13000000
RUSSELL 30 F Education Loan 8000000
RYAN 21 F Vehicle Loan 13000000
SALAZAR 41 M Home Loan 8000000
SALINAS 23 F Vehicle Loan 9000000
SANCHEZ 52 F Education Loan 14000000
SANDERS 57 M Home Loan 11000000
SANDOVAL 34 F Vehicle Loan 14000000
SANTIAGO 53 X Vehicle Loan 10000000
SANTOS 39 M Personal Loan 12000000
SCHMIDT 51 F Home Loan 12000000
SCHNEIDER 29 F Vehicle Loan 13000000
SCHULTZ 33 F Personal Loan 9000000
SCHWARTZ 60 M Vehicle Loan 14000000
SCOTT 24 M Personal Loan 9000000
SHARP 26 M Vehicle Loan 13000000
SHAW 32 F Vehicle Loan 11000000
SHELTON 49 F Personal Loan 10000000
SILVA 28 M Personal Loan 9000000
SIMMONS 53 M Personal Loan 11000000
SIMON 47 M Home Loan 13000000
SIMPSON 41 M Home Loan 11000000
SIMS 25 M Home Loan 11000000
SINGH 60 F Home Loan 13000000
SNYDER 36 M Education Loan 14000000
SOLIS 52 M Education Loan 14000000
SOTO 37 F Education Loan 13000000
SPENCER 45 M Education Loan 11000000
STANLEY 18 M Vehicle Loan 13000000
STEPHENS 56 M Personal Loan 12000000
STEVENS 44 M Personal Loan 12000000
STEWART 54 M Personal Loan 11000000
STONE 51 M Education Loan 14000000
SULLIVAN 29 M Home Loan 13000000
SUTTON 51 F Vehicle Loan 14000000
TAYLOR 24 M Home Loan 14000000
TERRY 37 M Home Loan 9000000
THOMAS 48 F Education Loan 12000000
THOMPSON 59 M Vehicle Loan 9000000
THORNTON 20 M Education Loan 8000000
TORRES 52 F Education Loan 8000000
TRAN 18 M Home Loan 9000000
TUCKER 20 F Vehicle Loan 11000000
TURNER 28 M Education Loan 9000000
VALDEZ 27 F Home Loan 12000000
VARGAS 39 M Education Loan 8000000
VASQUEZ 57 M Education Loan 12000000
VAUGHN 54 M Home Loan 11000000
VAZQUEZ 25 F Education Loan 9000000
VEGA 26 F Education Loan 11000000
VELASQUEZ 60 M Home Loan 14000000
WADE 59 M Home Loan 10000000
WAGNER 37 F Vehicle Loan 10000000
WALKER 52 M Vehicle Loan 9000000
WALLACE 32 F Personal Loan 13000000
WALSH 39 F Personal Loan 13000000
WALTERS 54 F Education Loan 8000000
WANG 52 M Personal Loan 9000000
WARD 60 M Home Loan 13000000
WARNER 33 F Education Loan 13000000
WARREN 28 M Personal Loan 12000000
WASHINGTON 53 F Personal Loan 13000000
WATKINS 51 F Home Loan 9000000
WATSON 30 M Personal Loan 9000000
WATTS 25 M Vehicle Loan 13000000
WEAVER 44 F Education Loan 10000000
WEBB 23 X Home Loan 10000000
WEBER 21 F Home Loan 11000000
WELCH 22 M Personal Loan 8000000
WELLS 38 M Vehicle Loan 9000000
WEST 32 F Education Loan 13000000
WHEELER 50 M Vehicle Loan 12000000
WHITE 55 M Personal Loan 13000000
WILLIAMSON 56 F Home Loan 10000000
WILLIS 27 M Personal Loan 14000000
WILSON 26 M Education Loan 12000000
WOLFE 38 M Home Loan 11000000
WONG 29 M Personal Loan 11000000
WOOD 50 F Vehicle Loan 10000000
WOODS 25 F Home Loan 12000000
WRIGHT 25 F Home Loan 13000000
YANG 51 M Personal Loan 9000000
YOUNG 54 M Home Loan 9000000
ZIMMERMAN 27 F Vehicle Loan 10000000
 Premium Rate Data for
Insurance (per 1000 SA)
Bank Staff Random Number Age of Customer
No -1.110644703725 18
No 1.177819972028 19
No 0.832174255369 20
No 0.619611302868 21
No -2.009907901594 22
No -0.93692640446 23
No 0.779594021803 24
No 1.591399552173 25
No -0.841638224498 26
No -0.292954948558 27
No 0.641051169795 28
No 0.618638570406 29
No -0.259822882261 30
Yes 1.704851169497 31
No -1.949827545059 32
No 1.110830689254 33
No -0.486939089879 34
No -0.63516689882 35
No -0.342062375604 36
No -0.539361739911 37
No -1.25323784083 38
No 0.02101422558 39
No -0.774616299263 40
No -0.59918005077 41
No 1.615423129822 42
No 0.143496495221 43
No -0.528923849229 44
No -0.551858744989 45
No -0.056442998414 46
No 0.821667171655 47
No -0.285720077523 48
No 0.574323087197 49
No 0.058537885147 50
No 1.018742531019 51
No -0.999666527938 52
No 0.431114625391 53
Yes -0.899026736548 54
No 0.421090560902 55
No -1.00143959963 56
No 0.271188252167 57
No 2.538106243597 58
No -2.273601593389 59
No -1.553381272829 60
No -0.696781672729
No -0.161450251996
No 1.15145161352
No 0.745262369997
No -1.967936721399
No 0.716431834219
No -0.056839988893
No 0.459104890071
No -0.356115223846
No 0.001842279467
No -0.670803215735
No -1.11672340519
No 0.403009295686
No 0.494485592753
No -0.013280585241
No 0.834308455507
No -0.121832513317
No 0.83550312934
No -1.298702464052
No -0.20903258901
No -0.59877465938
No -0.240970187051
No -0.670992131769
No 1.133410273269
No -0.817021828174
No 0.686260099939
No -0.180943302054
No -1.914871741523
No 0.005068030763
1.142557021973
No 0.052044983202
No 0.163583154579
No 0.268806069211
No -0.897098930681
No -1.246164756703
No 0.349246646681
No -0.423637084879
No 1.314701445696
No 1.007315074955
No 0.604506081228
No -0.154772282933
No 0.479793851552
No -1.253479975778
No -0.911958168366
No -1.427751053048
No 2.31116992309
No -0.165684264662
No 0.367373390566
No -1.484479919854
No 0.709541059906
No -0.224482323237
No -0.09477426559
No -0.931357117325
No -0.384194887668
No -1.484330842712
No 0.6445723424
No -0.042167114175
No -0.989548374946
No -0.99002747919
No -0.640872729011
No -0.134793839326
No -0.8273242281
No 0.472850367188
No -0.65278348805
No -0.597087772494
No 0.004655674236
No 0.346965994077
No -0.307540454635
No -0.441426779843
No -2.328491257149
No -1.346925781138
No -1.07252914114
-0.505990617442
No -0.5953314841
No -0.369231440748
No 1.3716519374
No 0.339102446911
No 1.681873985663
No -0.132735699347
No 0.55415321944
No 0.550023260298
No 0.841482693063
No -1.857304725428
No 2.682484825832
No 0.100493980405
No 0.276680869926
No 2.091407571289
No -0.491829697357
No 0.343171068471
No 0.938473485945
No 1.070180251593
No 0.498592341698
No -0.135395508911
No -0.360342725548
No 0.436681198913
No -0.409208718885
No 0.320541821581
No -1.771683747983
No -0.461395108566
Yes 1.207997068134
No 0.280835828448
No 1.129655256794
No -1.615229676292
No -1.331746027913
No -0.314879649095
No 0.361815175114
No 1.363302794828
No -1.008879714801
No -0.967719377814
No -0.271285322115
No -1.649079710936
No -0.400859072518
No -2.215910949648
No -0.996318959107
No -1.150723757199
No 0.737231786328
No 0.393876227137
No 0.07951884933
No 0.705171612515
No 0.124877447341
No -1.594823641372
No 0.168984447028
No -0.212727533776
No 1.120324198281
Yes 0.268477817785
No 1.348411070608
No -0.394190868341
No -0.033000226721
No 0.256252832476
No -0.022331850197
No 1.04886166268
No 1.272366956106
No 0.029084357508
No 1.258260533267
No 2.516092416669
No -0.370475047389
No 1.905907688706
No -0.935519967021
No 0.877072824487
No -1.076118387915
No 1.144492677497
No 0.78991038489
No -1.011521531266
No 0.04410027616
No 0.155568455075
No 0.453200204807
No -1.092266276736
No 0.096978594808
No 0.611549235751
No 1.329184699919
No -1.244265504465
No -1.111876795386
No -0.120700497991
No -0.105096962206
No -1.956787458436
No -0.327088477477
No 1.421127387294
No 0.522383674247
No 0.278222652644
No 0.18868104062
-0.126270092192
No -0.109824210874
No 0.73848976984
No 1.1014241125
No -0.499699967654
No 1.105359466371
No 0.375532303136
No -1.165846920231
No 0.647751337718
No -0.643803080669
No -1.276461115649
No 0.135285447836
No 0.491086330428
No -0.21867189072
No -0.826042142352
No 1.163975194868
No 1.82167425255
No 1.343911370151
No 0.185111712771
No -0.543072581803
No 0.957949033891
No 0.075842737415
No -0.554244535675
No 1.066916889984
No 0.679705894743
No 0.468545818044
No 0.323908192092
No -0.019024423283
No 0.071112658914
No 0.225212558744
No 0.902506362847
No -0.891161334371
No -0.327174721192
No 0.553020989745
No -0.134678332309
No 0.084690657673
No -1.711191583169
No -0.73316340505
No 0.356102026348
No 1.119836299897
No -1.406017699183
No -0.223655736974
No 1.079596947696
No -1.490697625641
No 0.481990738184
No -0.744732238
No -0.258952594199
No 1.257332492035
No 1.026197507165
No 1.763892142842
No -0.482031634006
No -1.512668127835
No -0.503084255746
No -1.929838460243
No 0.03388087624
No -0.612968238223
No -1.371309656387
No 0.759694849516
No 0.162108278037
No -0.828366844523
No -0.074254478004
No -0.213177368017
No -0.513579305788
No -0.46420798917
No 0.921707411566
No -0.082383144437
No -1.155542252472
No -0.533915669518
No 1.645596336674
No -0.018931233508
No 0.787597393613
No -0.009835341643
No 0.664100544045
No -0.531211942252
No 1.374179522423
No -2.259759482762
No 0.467333301501
No -0.477291999072
-1.718346224851
No -1.977052487523
No 1.181627687443
No -1.595634600329
No -1.53272638761
No -0.446307042857
No 0.382060472557
No 0.712237082463
No -0.629073909466
No -0.691343105463
No -0.526706785526
No 0.318803685968
No -1.803633289761
No 0.899083535202
No 3.17293486974
No 0.287607343204
No -0.647225718376
No -0.977842269609
No 1.055487991243
No -0.84846144088
No -1.129551711753
No 0.809730519749
No -0.597393549449
No 1.313055979492
No -0.343413188486
No 1.458609626267
No 0.472500697764
No -1.208720619294
No -0.23610953951
No 1.249141898266
No -0.985893008717
Yes 0.667324761481
No -0.589603207602
No -1.371496978719
No 0.613068662731
No -0.520147222458
No -0.215501246262
No -0.267093661327
No 1.370173280873
No 0.061419348292
No 1.664663237551
No 1.81552090444
No -0.128622421598
No -2.13233891244
No 0.351870913589
No 1.83989714277
No 0.433376978223
No 0.098006078218
No -0.353482863542
No -0.626922058824
No 1.655728484214
No 0.271116500199
No -1.945034442475
No 0.460278100997
No -2.017609585505
No -0.244978733456
No -0.29474485605
No 0.363441135792
No 1.454417198628
No 0.320025043854
No 0.454524304971
No -1.741538286396
No 0.254024906682
No 0.144592519296
No 0.251280434744
No 0.625413415524
No 2.051673328869
No 0.551899783698
No -1.428964716211
No 1.0867373413
No 0.512031605738
No 0.679448022443
No -0.940813783746
No -1.485968274374
No 2.019054671902
No -0.244099258905
No 0.212518046877
No -0.71343127876
No 0.366038839844
No -1.672364055672
No -0.22140659427
No 0.235738563917
No 0.10966163066
No 0.498251501275
No 0.286239190579
No 1.003029377093
No -1.621098393723
No 1.633764426064
No -1.241616857956
No -0.275860545192
No -2.003311584211
No -0.308185783836
No 0.737458266341
No -0.033125216651
No 0.479897280572
No -1.112636940144
No -0.942834081457
No 2.183701392218
No -0.055979176933
No 0.00027998403
No 2.132695729946
No -0.029404998507
Yes -0.30489413937
No 0.536491990429
No -2.956017950394
No -0.07550108124
No -1.403196262736
No -0.843848672054
No -0.56156478238
No 0.004274579283
No -1.364998002891
No -0.033327820409
No -0.670867634864
No 1.33842843675
No -0.292078457052
Premium Rate for Male Customer
3.01
3.085
3.162
3.241
3.322
3.405
3.49
3.577
3.666
3.758
3.85195
3.948
4.047
3.933
4.252
4.358
4.467
4.579
4.693
4.81
4.93
5.053
5.179
5.308
5.441
5.577025
5.716
5.859
6.005
5.91
6.309
6.467
6.629
6.795
6.965 Hence premium rates are negative which is not correct
7.139
7.317
7.5
7.45
7.88
8.077
8.279
8.486
ive which is not correct
Customer and Loan Information

Name of Customer Age of CusGender of CType of Loan Loan Amount

ACOSTA 22 F Education Loan 14000000
ADAMS 58 F Education Loan 9000000
AGUILAR 19 M Education Loan 10000000
AGUIRRE 32 M Personal Loan 12000000
ALEXANDER 22 M Education Loan 8000000
ALLEN 37 M Personal Loan 12000000
ALVARADO 34 M Education Loan 12000000
ALVAREZ 28 M Vehicle Loan 12000000
ANDERSON 47 M Education Loan 13000000
ANDREWS 40 M Home Loan 9000000
ARMSTRONG 29 M Vehicle Loan 12000000
ARNOLD 49 M Home Loan 8000000
AUSTIN 60 M Education Loan 10000000
AVILA 59 M Vehicle Loan 9000000
AYALA 30 M Personal Loan 13000000
BAILEY 24 F Home Loan 13000000
BAKER 46 F Vehicle Loan 11000000
BALDWIN 27 M Vehicle Loan 11000000
BANKS 27 M Personal Loan 10000000
BARBER 45 F Education Loan 13000000
BARKER 44 F Personal Loan 10000000
BARNES 29 M Vehicle Loan 14000000
BARNETT 30 M Education Loan 11000000
BARRETT 39 F Education Loan 9000000
BATES 49 M Education Loan 12000000
BECK 28 F Home Loan 10000000
BECKER 23 F Home Loan 12000000
BELL 21 F Home Loan 13000000
BENNETT 49 F Education Loan 10000000
BENSON 59 M Home Loan 8000000
BERRY 46 M Education Loan 12000000
BISHOP 44 X Home Loan 11000000
BLACK 30 F Home Loan 11000000
BOWEN 31 M Home Loan 10000000
BOWMAN 24 M Vehicle Loan 12000000
BOYD 58 F Vehicle Loan 11000000
BRADLEY 37 M Home Loan 12000000
BREWER 23 F Home Loan 10000000
BROOKS 49 M Education Loan 11000000
BRYANT 20 M Personal Loan 12000000
BURKE 25 M Home Loan 13000000
BURNS 29 F Personal Loan 10000000
BURTON 34 F Vehicle Loan 10000000
BUSH 54 F Education Loan 9000000
BUTLER 55 M Education Loan 9000000
BYRD 35 F Education Loan 8000000
CABRERA 25 M Education Loan 9000000
CALDWELL 34 F Home Loan 11000000
CAMPBELL 24 F Home Loan 11000000
CAMPOS 45 M Education Loan 9000000
CARLSON 22 F Personal Loan 9000000
CARPENTER 43 F Personal Loan 12000000
CARR 55 F Personal Loan 13000000
CARRILLO 23 F Education Loan 10000000
CARROLL 60 F Vehicle Loan 9000000
CARTER 53 F Personal Loan 12000000
CASTILLO 46 F Personal Loan 11000000
CASTRO 33 M Home Loan 11000000
CERVANTES 38 F Home Loan 10000000
CHAMBERS 30 F Education Loan 14000000
CHANG 23 X Personal Loan 13000000
CHAPMAN 58 M Home Loan 14000000
CHAVEZ 56 M Home Loan 12000000
CHEN 44 F Education Loan 11000000
CLARK 21 F Home Loan 14000000
COHEN 39 M Education Loan 9000000
COLE 54 M Home Loan 12000000
COLEMAN 28 M Education Loan 8000000
COLLINS 47 F Home Loan 8000000
CONTRERAS 45 F Home Loan 9000000
COOK 19 F Education Loan 11000000
COOPER 24 M Education Loan 12000000
CORTEZ 44 M Home Loan 10000000
COX 18 F Vehicle Loan 10000000
CRAIG 51 F Education Loan 14000000
CRAWFORD 27 M Home Loan 9000000
CRUZ 46 F Vehicle Loan 10000000
CUMMINGS 27 M Home Loan 12000000
CUNNINGHAM 22 F Education Loan 13000000
CURTIS 37 M Vehicle Loan 10000000
DANIEL 43 F Personal Loan 11000000
DANIELS 60 M Personal Loan 13000000
DAVIDSON 29 F Vehicle Loan 13000000
DAWSON 44 M Home Loan 10000000
DAY 57 M Education Loan 12000000
DEAN 31 F Personal Loan 10000000
DELEON 27 F Personal Loan 13000000
DELGADO 37 M Education Loan 11000000
DIAZ 18 M Home Loan 9000000
DIXON 59 F Vehicle Loan 12000000
DOMINGUEZ 29 M Vehicle Loan 10000000
DOUGLAS 48 F Personal Loan 14000000
DUNCAN 45 F Personal Loan 11000000
DUNN 51 M Vehicle Loan 13000000
DURAN 31 M Home Loan 13000000
EDWARDS 37 F Home Loan 9000000
ELLIOTT 39 F Education Loan 9000000
ELLIS 36 M Vehicle Loan 11000000
ERICKSON 48 F Personal Loan 8000000
ESPINOZA 30 F Personal Loan 12000000
ESTRADA 59 F Vehicle Loan 8000000
EVANS 38 F Vehicle Loan 12000000
FERGUSON 51 F Vehicle Loan 13000000
FERNANDEZ 58 F Education Loan 13000000
FIELDS 48 M Vehicle Loan 11000000
FIGUEROA 34 F Education Loan 8000000
FISHER 51 M Education Loan 8000000
FLEMING 28 F Vehicle Loan 10000000
FLETCHER 35 F Home Loan 13000000
FLORES 46 F Education Loan 10000000
FORD 19 F Education Loan 9000000
FOSTER 54 F Vehicle Loan 12000000
FOWLER 44 F Personal Loan 9000000
FOX 42 X Home Loan 11000000
FRANKLIN 18 M Education Loan 8000000
FRAZIER 49 F Home Loan 10000000
FUENTES 27 F Vehicle Loan 12000000
FULLER 50 F Vehicle Loan 11000000
GARDNER 29 F Home Loan 13000000
GARRETT 45 M Home Loan 9000000
GARZA 31 M Home Loan 10000000
GEORGE 37 F Personal Loan 12000000
GIBSON 21 M Education Loan 9000000
GILBERT 47 F Home Loan 13000000
GOMEZ 25 M Vehicle Loan 11000000
GONZALES 58 M Vehicle Loan 13000000
GONZALEZ 32 M Education Loan 9000000
GORDON 45 F Vehicle Loan 11000000
GRAHAM 58 M Home Loan 13000000
GRANT 47 F Vehicle Loan 13000000
GRAVES 41 F Vehicle Loan 11000000
GRAY 46 F Home Loan 12000000
GREEN 46 F Education Loan 9000000
GREENE 51 M Personal Loan 9000000
GREGORY 52 M Education Loan 11000000
GRIFFIN 41 M Home Loan 13000000
GUERRERO 37 M Education Loan 11000000
GUTIERREZ 60 M Home Loan 12000000
GUZMAN 30 M Vehicle Loan 12000000
HAIL 39 F Vehicle Loan 9000000
HALE 50 M Home Loan 9000000
HALL 36 F Personal Loan 9000000
HAMILTON 46 F Education Loan 10000000
HANSEN 40 F Personal Loan 11000000
HANSON 33 F Education Loan 10000000
HARDY 33 M Vehicle Loan 11000000
HARPER 40 F Home Loan 14000000
HARRIS 38 F Home Loan 13000000
HARRISON 49 M Home Loan 10000000
HART 49 F Personal Loan 13000000
HARVEY 27 F Education Loan 9000000
HAWKINS 34 M Vehicle Loan 14000000
HAYES 40 F Vehicle Loan 13000000
HAYNES 25 F Vehicle Loan 8000000
HENDERSON 21 F Vehicle Loan 13000000
HENRY 50 X Education Loan 13000000
HERNANDEZ 45 M Vehicle Loan 14000000
HERRERA 47 M Personal Loan 13000000
HICKS 47 F Personal Loan 13000000
HIGGINS 40 M Home Loan 12000000
HILL 36 F Vehicle Loan 9000000
HOFFMAN 56 F Personal Loan 11000000
HOLLAND 26 M Home Loan 12000000
HOLMES 41 M Vehicle Loan 8000000
HOLT 53 F Home Loan 10000000
HOPKINS 44 F Education Loan 9000000
HORTON 18 M Home Loan 12000000
HOWARD 23 F Home Loan 13000000
HOWELL 50 M Home Loan 13000000
HUDSON 43 F Education Loan 9000000
HUGHES 36 M Personal Loan 11000000
HUNT 45 M Home Loan 8000000
HUNTER 34 M Home Loan 13000000
JACKSON 45 F Home Loan 11000000
JACOBS 40 F Education Loan 11000000
JAMES 44 F Personal Loan 13000000
JENKINS 59 M Personal Loan 8000000
JENNINGS 59 M Home Loan 9000000
JENSEN 46 F Personal Loan 10000000
JIMENEZ 35 M Vehicle Loan 9000000
JOHNSTON 23 M Home Loan 8000000
JORDAN 58 M Education Loan 12000000
JOSEPH 26 M Vehicle Loan 12000000
JUAREZ 52 F Vehicle Loan 11000000
KELLER 38 M Personal Loan 14000000
KELLY 40 M Personal Loan 13000000
KENNEDY 39 F Education Loan 12000000
KIM 50 F Personal Loan 10000000
KING 36 M Home Loan 9000000
KLEIN 56 F Vehicle Loan 11000000
KNIGHT 50 M Vehicle Loan 14000000
LAMBERT 29 F Home Loan 11000000
LANE 23 F Personal Loan 8000000
LARA 30 F Home Loan 13000000
LARSON 31 M Vehicle Loan 14000000
LAWRENCE 52 M Personal Loan 11000000
LAWSON 23 F Education Loan 10000000
LE 52 M Home Loan 9000000
LEE 53 F Education Loan 9000000
LEON 20 M Personal Loan 9000000
LEONARD 21 M Vehicle Loan 13000000
LEWIS 48 M Personal Loan 11000000
LI 46 F Personal Loan 12000000
LIN 46 F Education Loan 12000000
LITTLE 33 F Education Loan 12000000
LONG 50 X Personal Loan 13000000
LOPEZ 27 M Vehicle Loan 11000000
LOVE 48 F Personal Loan 11000000
LOWE 52 M Personal Loan 14000000
LUCAS 29 M Vehicle Loan 9000000
LUNA 23 F Vehicle Loan 9000000
LYNCH 55 F Vehicle Loan 9000000
LYONS 31 M Home Loan 11000000
MALDONADO 46 F Education Loan 10000000
MANN 46 M Home Loan 14000000
MARQUEZ 27 M Home Loan 12000000
MARSHALL 28 F Vehicle Loan 13000000
MARTIN 27 F Personal Loan 9000000
MARTINEZ 22 F Home Loan 14000000
MASON 18 F Personal Loan 9000000
MATTHEWS 27 M Vehicle Loan 14000000
MAY 38 M Personal Loan 12000000
MCCARTHY 34 M Vehicle Loan 11000000
MCCOY 26 F Personal Loan 11000000
MCDANIEL 31 F Vehicle Loan 12000000
MCDONALD 45 F Vehicle Loan 12000000
MCKINNEY 31 M Personal Loan 9000000
MEDINA 37 F Education Loan 11000000
MEJIA 29 M Home Loan 13000000
MENDEZ 23 F Personal Loan 12000000
MENDOZA 21 M Vehicle Loan 13000000
MEYER 32 M Education Loan 13000000
MILES 32 F Personal Loan 13000000
MILLS 36 M Personal Loan 11000000
MIRANDA 23 F Home Loan 11000000
MITCHELL 57 F Education Loan 9000000
MOLINA 33 M Personal Loan 13000000
MONTGOMERY 39 F Education Loan 10000000
MOORE 20 M Personal Loan 13000000
MORALES 49 F Home Loan 9000000
MORAN 40 F Home Loan 9000000
MORENO 36 F Vehicle Loan 10000000
MORGAN 25 F Education Loan 9000000
MORRIS 21 M Education Loan 8000000
MORRISON 27 M Education Loan 9000000
MUNOZ 51 F Home Loan 9000000
MURPHY 41 F Vehicle Loan 13000000
MURRAY 25 M Personal Loan 11000000
MYERS 31 F Personal Loan 10000000
NAVARRO 52 F Vehicle Loan 12000000
NEAL 30 M Vehicle Loan 10000000
NELSON 53 M Education Loan 12000000
NEWMAN 50 M Home Loan 11000000
NGUYEN 29 M Vehicle Loan 14000000
NICHOLS 24 M Education Loan 9000000
NORRIS 41 M Home Loan 11000000
NUNEZ 56 F Personal Loan 9000000
OBRIEN 24 F Vehicle Loan 13000000
OCHOA 51 F Vehicle Loan 9000000
OLIVER 27 F Education Loan 10000000
OLSON 54 M Education Loan 9000000
ORTEGA 23 X Personal Loan 13000000
ORTIZ 37 F Education Loan 12000000
OWENS 47 F Personal Loan 11000000
PADILLA 49 F Vehicle Loan 9000000
PAGE 19 F Home Loan 11000000
PALMER 31 M Education Loan 9000000
PARK 26 M Personal Loan 11000000
PARKER 53 M Personal Loan 12000000
PARKS 53 F Personal Loan 10000000
PATEL 58 M Home Loan 8000000
PATTERSON 40 M Home Loan 10000000
PAYNE 44 M Vehicle Loan 8000000
PEARSON 55 M Vehicle Loan 8000000
PENA 24 M Personal Loan 9000000
PEREZ 44 M Education Loan 13000000
PERKINS 54 F Personal Loan 9000000
PERRY 28 M Personal Loan 10000000
PETERS 31 M Home Loan 13000000
PETERSON 56 F Education Loan 14000000
PHAM 44 M Home Loan 8000000
PHILLIPS 19 M Home Loan 9000000
PIERCE 47 F Vehicle Loan 11000000
PORTER 26 F Education Loan 10000000
POWELL 52 M Home Loan 10000000
POWERS 41 M Education Loan 13000000
PRICE 30 F Personal Loan 8000000
RAMIREZ 39 F Vehicle Loan 11000000
RAMOS 52 M Personal Loan 10000000
RAY 23 F Home Loan 14000000
REED 29 F Personal Loan 9000000
REEVES 60 F Education Loan 10000000
REID 42 F Personal Loan 8000000
REYES 27 M Personal Loan 13000000
REYNOLDS 52 F Home Loan 13000000
RHODES 25 F Education Loan 12000000
RICE 42 F Personal Loan 11000000
RICHARDS 43 M Home Loan 14000000
RICHARDSON 43 F Personal Loan 9000000
RILEY 56 M Personal Loan 11000000
RIOS 26 F Vehicle Loan 10000000
RIVERA 57 F Vehicle Loan 9000000
ROBERTS 33 F Education Loan 11000000
ROBERTSON 51 F Personal Loan 10000000
ROBINSON 35 M Education Loan 8000000
ROBLES 40 M Education Loan 12000000
RODRIGUEZ 26 M Education Loan 8000000
ROGERS 24 M Home Loan 13000000
ROJAS 51 M Education Loan 13000000
ROMERO 27 F Vehicle Loan 10000000
ROSE 40 M Personal Loan 11000000
ROSS 43 F Education Loan 11000000
RUIZ 21 F Education Loan 13000000
RUSSELL 30 F Education Loan 8000000
RYAN 21 F Vehicle Loan 13000000
SALAZAR 41 M Home Loan 8000000
SALINAS 23 F Vehicle Loan 9000000
SANCHEZ 52 F Education Loan 14000000
SANDERS 57 M Home Loan 11000000
SANDOVAL 34 F Vehicle Loan 14000000
SANTIAGO 53 X Vehicle Loan 10000000
SANTOS 39 M Personal Loan 12000000
SCHMIDT 51 F Home Loan 12000000
SCHNEIDER 29 F Vehicle Loan 13000000
SCHULTZ 33 F Personal Loan 9000000
SCHWARTZ 60 M Vehicle Loan 14000000
SCOTT 24 M Personal Loan 9000000
SHARP 26 M Vehicle Loan 13000000
SHAW 32 F Vehicle Loan 11000000
SHELTON 49 F Personal Loan 10000000
SILVA 28 M Personal Loan 9000000
SIMMONS 53 M Personal Loan 11000000
SIMON 47 M Home Loan 13000000
SIMPSON 41 M Home Loan 11000000
SIMS 25 M Home Loan 11000000
SINGH 60 F Home Loan 13000000
SNYDER 36 M Education Loan 14000000
SOLIS 52 M Education Loan 14000000
SOTO 37 F Education Loan 13000000
SPENCER 45 M Education Loan 11000000
STANLEY 18 M Vehicle Loan 13000000
STEPHENS 56 M Personal Loan 12000000
STEVENS 44 M Personal Loan 12000000
STEWART 54 M Personal Loan 11000000
STONE 51 M Education Loan 14000000
SULLIVAN 29 M Home Loan 13000000
SUTTON 51 F Vehicle Loan 14000000
TAYLOR 24 M Home Loan 14000000
TERRY 37 M Home Loan 9000000
THOMAS 48 F Education Loan 12000000
THOMPSON 59 M Vehicle Loan 9000000
THORNTON 20 M Education Loan 8000000
TORRES 52 F Education Loan 8000000
TRAN 18 M Home Loan 9000000
TUCKER 20 F Vehicle Loan 11000000
TURNER 28 M Education Loan 9000000
VALDEZ 27 F Home Loan 12000000
VARGAS 39 M Education Loan 8000000
VASQUEZ 57 M Education Loan 12000000
VAUGHN 54 M Home Loan 11000000
VAZQUEZ 25 F Education Loan 9000000
VEGA 26 F Education Loan 11000000
VELASQUEZ 60 M Home Loan 14000000
WADE 59 M Home Loan 10000000
WAGNER 37 F Vehicle Loan 10000000
WALKER 52 M Vehicle Loan 9000000
WALLACE 32 F Personal Loan 13000000
WALSH 39 F Personal Loan 13000000
WALTERS 54 F Education Loan 8000000
WANG 52 M Personal Loan 9000000
WARD 60 M Home Loan 13000000
WARNER 33 F Education Loan 13000000
WARREN 28 M Personal Loan 12000000
WASHINGTON 53 F Personal Loan 13000000
WATKINS 51 F Home Loan 9000000
WATSON 30 M Personal Loan 9000000
WATTS 25 M Vehicle Loan 13000000
WEAVER 44 F Education Loan 10000000
WEBB 23 X Home Loan 10000000
WEBER 21 F Home Loan 11000000
WELCH 22 M Personal Loan 8000000
WELLS 38 M Vehicle Loan 9000000
WEST 32 F Education Loan 13000000
WHEELER 50 M Vehicle Loan 12000000
WHITE 55 M Personal Loan 13000000
WILLIAMSON 56 F Home Loan 10000000
WILLIS 27 M Personal Loan 14000000
WILSON 26 M Education Loan 12000000
WOLFE 38 M Home Loan 11000000
WONG 29 M Personal Loan 11000000
WOOD 50 F Vehicle Loan 10000000
WOODS 25 F Home Loan 12000000
WRIGHT 25 F Home Loan 13000000
YANG 51 M Personal Loan 9000000
YOUNG 54 M Home Loan 9000000
ZIMMERMAN 27 F Vehicle Loan 10000000
 Premium Rate Data for
Insurance (per 1000 SA)
Bank Staff Random Number Age of Customer
No -1.110644703725 18
No 1.177819972028 19
No 0.832174255369 20
No 0.619611302868 21
No -2.009907901594 22
No -0.93692640446 23
No 0.779594021803 24
No 1.591399552173 25
No -0.841638224498 26
No -0.292954948558 27
No 0.641051169795 28
No 0.618638570406 29
No -0.259822882261 30
Yes 1.704851169497 31
No -1.949827545059 32
No 1.110830689254 33
No -0.486939089879 34
No -0.63516689882 35
No -0.342062375604 36
No -0.539361739911 37
No -1.25323784083 38
No 0.02101422558 39
No -0.774616299263 40
No -0.59918005077 41
No 1.615423129822 42
No 0.143496495221 43
No -0.528923849229 44
No -0.551858744989 45
No -0.056442998414 46
No 0.821667171655 47
No -0.285720077523 48
No 0.574323087197 49
No 0.058537885147 50
No 1.018742531019 51
No -0.999666527938 52
No 0.431114625391 53
Yes -0.899026736548 54
No 0.421090560902 55
No -1.00143959963 56
No 0.271188252167 57
No 2.538106243597 58
No -2.273601593389 59
No -1.553381272829 60
No -0.696781672729
No -0.161450251996
No 1.15145161352
No 0.745262369997
No -1.967936721399
No 0.716431834219
No -0.056839988893
No 0.459104890071
No -0.356115223846
No 0.001842279467
No -0.670803215735
No -1.11672340519
No 0.403009295686
No 0.494485592753
No -0.013280585241
No 0.834308455507
No -0.121832513317
No 0.83550312934
No -1.298702464052
No -0.20903258901
No -0.59877465938
No -0.240970187051
No -0.670992131769
No 1.133410273269
No -0.817021828174
No 0.686260099939
No -0.180943302054
No -1.914871741523
No 0.005068030763
1.142557021973
No 0.052044983202
No 0.163583154579
No 0.268806069211
No -0.897098930681
No -1.246164756703
No 0.349246646681
No -0.423637084879
No 1.314701445696
No 1.007315074955
No 0.604506081228
No -0.154772282933
No 0.479793851552
No -1.253479975778
No -0.911958168366
No -1.427751053048
No 2.31116992309
No -0.165684264662
No 0.367373390566
No -1.484479919854
No 0.709541059906
No -0.224482323237
No -0.09477426559
No -0.931357117325
No -0.384194887668
No -1.484330842712
No 0.6445723424
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No -0.989548374946
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No -0.134793839326
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No -0.65278348805
No -0.597087772494
No 0.004655674236
No 0.346965994077
No -0.307540454635
No -0.441426779843
No -2.328491257149
No -1.346925781138
No -1.07252914114
-0.505990617442
No -0.5953314841
No -0.369231440748
No 1.3716519374
No 0.339102446911
No 1.681873985663
No -0.132735699347
No 0.55415321944
No 0.550023260298
No 0.841482693063
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No 0.100493980405
No 0.276680869926
No 2.091407571289
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No 0.343171068471
No 0.938473485945
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No 0.436681198913
No -0.409208718885
No 0.320541821581
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No -0.461395108566
Yes 1.207997068134
No 0.280835828448
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No 0.78991038489
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No 0.04410027616
No 0.155568455075
No 0.453200204807
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No 0.096978594808
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No 0.278222652644
No 0.18868104062
-0.126270092192
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No 0.491086330428
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No 1.163975194868
No 1.82167425255
No 1.343911370151
No 0.185111712771
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No 0.957949033891
No 0.075842737415
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No 1.066916889984
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No 0.468545818044
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No 0.225212558744
No 0.902506362847
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No 0.084690657673
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No 1.374179522423
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-1.718346224851
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No -0.446307042857
No 0.382060472557
No 0.712237082463
No -0.629073909466
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No 0.899083535202
No 3.17293486974
No 0.287607343204
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No 1.055487991243
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No -1.129551711753
No 0.809730519749
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No 1.313055979492
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No 1.458609626267
No 0.472500697764
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No -0.215501246262
No -0.267093661327
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No 1.81552090444
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No -2.13233891244
No 0.351870913589
No 1.83989714277
No 0.433376978223
No 0.098006078218
No -0.353482863542
No -0.626922058824
No 1.655728484214
No 0.271116500199
No -1.945034442475
No 0.460278100997
No -2.017609585505
No -0.244978733456
No -0.29474485605
No 0.363441135792
No 1.454417198628
No 0.320025043854
No 0.454524304971
No -1.741538286396
No 0.254024906682
No 0.144592519296
No 0.251280434744
No 0.625413415524
No 2.051673328869
No 0.551899783698
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No 1.0867373413
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No 0.679448022443
No -0.940813783746
No -1.485968274374
No 2.019054671902
No -0.244099258905
No 0.212518046877
No -0.71343127876
No 0.366038839844
No -1.672364055672
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No 0.10966163066
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No -0.308185783836
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No -0.843848672054
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No -0.670867634864
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Premium Rate for Male Customer Premium rate for Female Customer Loan with Interest
3.01 3.01 16100000
3.085 3.01 10350000
3.162 3.01 11500000
3.241 3.01 14040000
3.322 3.085 9200000
3.405 3.162 14040000
3.49 3.241 13800000
3.577 3.322 13560000
3.666 3.405 14950000
3.758 3.49 9990000
3.85195 3.577 13560000
3.948 3.666 8880000
4.047 3.758 11500000
3.933 3.85195 10170000
4.252 3.948 15210000
4.358 4.047 14430000
4.467 3.933 12430000
4.579 4.252 12430000
4.693 4.358 11700000
4.81 4.467 14950000
4.93 4.579 11700000
5.053 4.693 15820000
5.179 4.81 12650000
5.308 4.93 10350000
5.441 5.053 13800000
5.577025 5.179 11100000
5.716 5.308 13320000
5.859 5.441 14430000
6.005 5.577025 11500000
5.91 5.716 8880000
6.309 5.859 13800000
6.467 6.005 12210000
6.629 5.91 12210000
6.795 6.309 11100000
6.965 6.467 13560000
7.139 6.629 12430000
7.317 6.795 13320000
7.5 6.965 11100000
7.45 7.139 12650000
7.88 7.317 14040000
8.077 7.5 14430000
8.279 7.45 11700000
8.486 7.88 11300000
10350000
10350000
 9200000
10350000
12210000
12210000
10350000
10530000
14040000
15210000
11500000
10170000
14040000
12870000
12210000
11100000
16100000
15210000
15540000
13320000
12650000
15540000
10350000
13320000
9200000
8880000
9990000
12650000
13800000
11100000
11300000
16100000
9990000
11300000
13320000
14950000
11300000
12870000
15210000
14690000
11100000
13800000
11700000
15210000
12650000
9990000
13560000
11300000
16380000
12870000
14690000
14430000
9990000
10350000
12430000
9360000
14040000
9040000
13560000
14690000
14950000
12430000
9200000
9200000
11300000
14430000
11500000
10350000
13560000
10530000
12210000
9200000
11100000
13560000
12430000
14430000
9990000
11100000
14040000
10350000
14430000
12430000
14690000
10350000
12430000
14430000
14690000
12430000
13320000
10350000
10530000
12650000
14430000
12650000
13320000
13560000
10170000
9990000
10530000
11500000
12870000
11500000
12430000
15540000
14430000
11100000
15210000
10350000
15820000
14690000
9040000
14690000
14950000
15820000
15210000
15210000
13320000
10170000
12870000
13320000
9040000
11100000
10350000
13320000
14430000
14430000
10350000
12870000
8880000
14430000
12210000
12650000
15210000
9360000
9990000
11700000
10170000
8880000
13800000
13560000
12430000
16380000
15210000
13800000
11700000
9990000
12430000
15820000
12210000
9360000
14430000
15820000
12870000
11500000
9990000
10350000
10530000
14690000
12870000
14040000
13800000
13800000
15210000
12430000
12870000
16380000
10170000
10170000
10170000
12210000
11500000
15540000
13320000
14690000
10530000
15540000
10530000
15820000
14040000
12430000
12870000
13560000
13560000
10530000
12650000
14430000
14040000
14690000
14950000
15210000
12870000
12210000
10350000
15210000
11500000
15210000
9990000
9990000
11300000
10350000
9200000
10350000
9990000
14690000
12870000
11700000
13560000
11300000
13800000
12210000
15820000
10350000
12210000
10530000
14690000
10170000
11500000
10350000
15210000
13800000
12870000
10170000
12210000
10350000
12870000
14040000
11700000
8880000
11100000
9040000
9040000
10530000
14950000
10530000
11700000
14430000
16100000
8880000
9990000
12430000
11500000
11100000
14950000
9360000
12430000
11700000
15540000
10530000
11500000
9360000
15210000
14430000
13800000
12870000
15540000
10530000
12870000
11300000
10170000
12650000
11700000
9200000
13800000
9200000
14430000
14950000
11300000
12870000
12650000
14950000
9200000
14690000
8880000
10170000
16100000
12210000
15820000
11300000
14040000
13320000
14690000
10530000
15820000
10530000
14690000
12430000
11700000
10530000
12870000
14430000
12210000
12210000
14430000
16100000
16100000
14950000
12650000
14690000
14040000
14040000
12870000
16100000
14430000
15820000
15540000
9990000
13800000
10170000
9200000
9200000
9990000
12430000
10350000
13320000
9200000
13800000
12210000
10350000
12650000
15540000
11100000
11300000
10170000
15210000
15210000
9200000
10530000
14430000
14950000
14040000
15210000
9990000
10530000
14690000
11500000
11100000
12210000
9360000
10170000
14950000
13560000
15210000
11100000
16380000
13800000
12210000
12870000
11300000
13320000
14430000
10530000
9990000
11300000
Loan InteresFinal Loan amount Expected Loan Default Amount
16100000 15840790 0.02*1 for unsecured and 0.5 for secured + 0.01*H4
10350000 10242877.5
11500000 11367750
14040000 13842878.4
9200000 9154000
14040000 13842878.4
13800000 13609560
13560000 13376126.4
14950000 14726497.5
9990000 9940050
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8880000 8835600
11500000 11367750
9763200 9714384
15210000 14978655.9
14430000 14221775.1
12430000 12275495.1
12430000 12275495.1
11700000 11563110
14950000 14726497.5
11700000 11563110
15820000 15569727.6
12650000 12489977.5
10350000 10242877.5
13800000 13609560
11100000 10976790
13320000 13142577.6
14430000 14221775.1
11500000 11367750
8880000 8835600
13800000 13609560
12210000 12060915.9
12210000 12060915.9
11100000 10976790
13560000 13376126.4
12430000 12275495.1
12787200 12623687.51616
11100000 10976790
12650000 12489977.5
14040000 13842878.4
14430000 14221775.1
11700000 11563110
11300000 11172310
10350000 10242877.5
10350000 10242877.5
 9200000 9154000
10350000 10242877.5
12210000 12060915.9
12210000 12060915.9
10350000 10242877.5
10530000 10419119.1
14040000 13842878.4
15210000 14978655.9
11500000 11367750
10170000 10066571.1
14040000 13842878.4
12870000 12704363.1
12210000 12060915.9
11100000 10976790
16100000 15840790
15210000 14978655.9
15540000 15298508.4
13320000 13142577.6
12650000 12489977.5
15540000 15298508.4
10350000 10242877.5
13320000 13142577.6
9200000 9154000
8880000 8835600
9990000 9940050
12650000 12489977.5
13800000 13609560
11100000 10976790
11300000 11172310
16100000 15840790
9990000 9940050
11300000 11172310
13320000 13142577.6
14950000 14726497.5
11300000 11172310
12870000 12704363.1
15210000 14978655.9
14690000 14474203.9
11100000 10976790
13800000 13609560
11700000 11563110
15210000 14978655.9
12650000 12489977.5
9990000 9940050
13560000 13376126.4
11300000 11172310
16380000 16111695.6
12870000 12704363.1
14690000 14474203.9
14430000 14221775.1
9990000 9940050
10350000 10242877.5
12430000 12275495.1
9360000 9313200
14040000 13842878.4
9040000 8994800
13560000 13376126.4
14690000 14474203.9
14950000 14726497.5
12430000 12275495.1
9200000 9154000
9200000 9154000
11300000 11172310
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11500000 11367750
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10530000 10419119.1
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9200000 9154000
11100000 10976790
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14430000 14221775.1
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14690000 14474203.9
12430000 12275495.1
13320000 13142577.6
10350000 10242877.5
10530000 10419119.1
12650000 12489977.5
14430000 14221775.1
12650000 12489977.5
13320000 13142577.6
13560000 13376126.4
10170000 10066571.1
9990000 9940050
10530000 10419119.1
11040000 10918118.4
12870000 12704363.1
11500000 11367750
12430000 12275495.1
15540000 15298508.4
14430000 14221775.1
11100000 10976790
15210000 14978655.9
10350000 10242877.5
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14690000 14474203.9
9040000 8994800
14690000 14474203.9
14950000 14726497.5
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15210000 14978655.9
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13320000 13142577.6
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13320000 13142577.6
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13320000 13142577.6
13852800 13660899.93216
14430000 14221775.1
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8880000 8835600
14430000 14221775.1
12210000 12060915.9
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15210000 14978655.9
9360000 9313200
9990000 9940050
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13800000 13609560
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12430000 12275495.1
16380000 16111695.6
15210000 14978655.9
13800000 13609560
11700000 11563110
9990000 9940050
12430000 12275495.1
15820000 15569727.6
12210000 12060915.9
9360000 9313200
14430000 14221775.1
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11500000 11367750
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13800000 13609560
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10170000 10066571.1
10170000 10066571.1
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10350000 10242877.5
15210000 14978655.9
11500000 11367750
15210000 14978655.9
9990000 9940050
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10350000 10242877.5
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11700000 11563110
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