Dear Pi Toom,
1) I have amended the slide as attached ka. For your consideration ka.
2) Also I will ask CRO again if it is possible to have the policy owner from the bank side review and endorse, then the paper can go directly to RMC ka. But for now, on the bank side we will keep it to ORC, RMC first.
3) The policy must be effective after WL's approve naka.