The following is an excerpt of the stipulations of a Dutch bank concerning medium-length business loans.

If a medium length loan is made available to a client, the funds that are not fully withdrawn by that client will be temporarily placed on the money market. This temporary placing leads to financial rewards. However, leaving the remaining part of the loan to be available for the client at any time leads to funding costs. If the funding costs are higher than the temporary rewards, then this difference is the basis for a monthly disposal provision, to be paid by the client [..]. The disposal provision amounts to half of the difference between the funding costs and the temporary rewards with a minimum of 1/12% per month [...] .The disposal provision is part of the loan proposal.

Develop a product data model where the “loan proposal” is the top information element and the “disposal provision” is one of the other elements. You may leave out the production rules for this exercise.