credit exposure model bill , attached are the spreadsheet for the credit exposure model and the xll file . we have performed some tests and the numbers looked reasonable . however , more extensive testing using realistic data is needed . we would like to pass the model to you so you can have someone check it more extensively and compare the model with what you are using . also , please kindly inform me of any suggestions to improve the model as well as any problems you may find . i can be reached at 31631 . best , alex