EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.10 - Schedule 3

 

ALT Loan ID Loan ID Seller Loan ID Investor Loan ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? Residual Income Residual Income Meets Guidelines? Borrower 1 Employment Indicator Borrower 2 Employment Indicator Borrower 1 Foreign National Indicator Borrower 2 Foreign National Indicator Business Purpose Loan? Business Purpose Verified?
2184477 XXXXX   XXXXX XX/XX/XXXX ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2173097 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 6.618 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2173104 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.69 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2173107 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.206 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2175207 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.351 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2175201 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.526 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2175211 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes Yes No No No No No No No Not Tested 0 8.159 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2175203 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.766 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2177305 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.838 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2177302 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes Yes No No No No No No No Not Tested 0 8.056 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2179996 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes Yes No No No No No No No Not Tested 0 8.171 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2179992 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 8.006 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2179997 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.704 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Not Employed No No No  
2180001 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.489 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2179998 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.302 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2180003 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 8.095 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2182310 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
2182311 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
2182309 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested Yes Not Tested No No No Yes No No No Not Tested 0 7.711 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $X,XXX.XX N/A Employed   No   Yes Present
2182312 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 7.493 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $X,XXX.XX N/A Employed   No   Yes Present
2182313 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2182318 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 9.028 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2182321 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.734 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2182319 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 8.416 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2182314 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 8.039 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Not Employed Employed No No No  
2182317 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.564 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2182323 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2182316 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.021 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2182315 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.725 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2182322 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.864 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2186179 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No Yes No No No Not Tested 0 7.351 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2186180 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2186178 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.372 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed Yes Yes No  
2186182 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
2186183 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2186181 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.843 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2186175 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2186174 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2189427 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2186185 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
2186176 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No Yes No No No No No No No Not Tested 0 8.097 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2186184 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2186177 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.478 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2189432 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
2189433 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2189434 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2189428 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2189424 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.232 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2189435 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2189429 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2189600 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2189426 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2189610 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2189607 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No Yes No No No Not Tested 0 7.422 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2189609 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.571 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2189602 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.808 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2189425 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2189431 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2189601 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.738 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2189604 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.353 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2189430 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.946 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2189606 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.776 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2189612 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.945 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2189611 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
2189605 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
2189608 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.304 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2194142 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2194150 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.464 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   Yes   No  
2194145 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2194144 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2194153 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.521 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed   No   No  
2194143 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested Yes Not Tested No No No Yes No No No Not Tested 0 6.868 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $X,XXX.XX N/A Employed   No   Yes Present
2194151 XXXXX   XXXXX XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.379 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $X,XXX.XX N/A Employed Employed No No No  
2194149 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2194148 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2194152 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2194146 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
2194154 XXXXX   XXXXX XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present