Fundamentals of Business Process Management, by Marlon Dumas, Marcello LaRose, Jan Mendling and Hajo A. Reijers - Springer Publishing - ISBN 978-3-642-33142-8 this is the book where you can get the exercise

Exercise 3.10 Model the following business process for handling downpayments. The process for handling downpayments starts when a request for payment has been ap- proved. It involves entering the downpayment request into the system, the automatic sub- sequent payment, emission of the direct invoice and the clearance of the vendor line items. The clearing of the vendor line items can result in a debit or credit balance. In case of debit balance, the arrears are processed, otherwise the remaining balance is paid. Exercise 3.11 Model the following business process for assessing credit risks. When a new credit request is received, the risk is assessed. If the risk is above a threshold, an advanced risk assessment needs to be carried out, otherwise a simple risk assessment will suffice. Once the assessment has been completed, the customer is notified with the result of the assessment and meantime the disbursement is organized. For simplicity, assume that the result of an assessment is always positive.