March 27, 2015

Israel Gavilanes
10800 Highway 707
Murrells Inlet SC 29576

Dear Judges:
I am a 12th year high school student, this is my first year in Saint James High School, I like
playing sports and my favorite ones are tennis and swimming, I like mathematical science and
economics, which is involved in my senior exploration project. And I plan to study mathematics
in college.
What motivated me to choose this topic is how it is related with economics, and I wanted to learn
about credit itself, and the research actually gave me knowledge about financing. I learned about
what factors are considered in a credit report, and how banking is regulated among others. I think
it will help me in the future since, for me, it is an introduction to the finance world.
The senior exploration project sometimes turned out to be difficult because of the process of
searching information, but finally, consistent and good information was found, therefore
accomplishing the task and also acquiring relevant knowledge.

Thank you to all of you for the willingness to give me your time, and for listening and viewing
my presentation.
Sincerely,

Israel G. Gavilanes

Israel Gavilanes