| (b) Cost/Benefit of pool bank 2 | Before OPE25 | After OPE25 | ||
| Cost | EC | Cost | EC | |
| Variable salaries or Incentivized Pay on a 3-year loss mitigation plan | 0 | 0 | $1,976,269,403 | $4,012,425,757 |
| Cost of technology (products and services) | $2550 (Approximately per user of an ERP) | 0 | FinTech base: first 3 months free excluding training and self-financing by approximately 1% of the Economic Capital (EC) spread over 3 years (1) | |