VOLUME'4'OF'6 CREDIT'RISK'MANAGEMENT'
Committee'of'Chief'Risk'Of>icers Credit'Risk'Management'Working'Group
November(19,(2002 THE$ COMMITTEE$ OF$ CHIEF$ RISK$ OFFICERS$ (“CCRO”)$ GRANTS$ USERS$ A$ REVOCABLE,$ LIMITED,$ NON: EXCLUSIVE,$ NON:SUBLICENSEABLE,$ NON:TRANSFERABLE$ LICENSE$ TO$ REPRODUCE$ THIS$ DOCUMENT$ SOLELY$ FOR$ INTERNAL,$ NON:COMMERCIAL$ AND$ EDUCATIONAL$ PURPOSES.$ ALL$ OTHER$ RIGHTS$ ARE$ RESERVED$BY$ THE$CCRO.$WITHOUT$ LIMITING$THE$FOREGOING,$THE$ CCRO$DOES$NOT$CONSENT$ TO$THE$ REPRODUCTION$ OF$ANY$ OF$ ITS$ DOCUMENTS$ FOR$PURPOSES$ OF$PUBLIC$ DISTRIBUTION,$ SALE$ OR$ ANY$ OTHER$COMMERCIAL$USAGE.$ATTRIBUTION$TO$THE$CCRO,$AS$THE$ COPYRIGHT$ OWNER,$IS$REQUIRED$IN$ ALL$CASES.