diff --git a/api/application/views/smc_creditpd_reports/MWISE.php b/api/application/views/smc_creditpd_reports/MWISE.php
index 4e0e377c..6869aaa8 100644
--- a/api/application/views/smc_creditpd_reports/MWISE.php
+++ b/api/application/views/smc_creditpd_reports/MWISE.php
@@ -1463,7 +1463,7 @@ Business run by the applicant</td><td  colspan="4"><?php echo $pd_section_data[1
 		</tr>
 <?php
 $customer_behaviour = array('1' => 'Others','2' => 'Rude','3' => 'Polite');
-$over_all = array('2' => 'Positive','3' => 'Negative');
+$over_all = array('1' => 'Others','2' => 'Positive','3' => 'Negative','4' => 'Refer to Credit');
 ?>		
 	<tr><td  colspan="4">Customer Behaviour
 [Polite / Rude / Others (Please specify)]</td><td  colspan="4"><?php echo isset($pd_section_data[19]['customer_behaviour_other']) ? $pd_section_data[19]['customer_behaviour_other'] : $customer_behaviour [ $pd_section_data[19]['customer_behaviour'] ];?></td></tr>
@@ -1472,17 +1472,19 @@ $over_all = array('2' => 'Positive','3' => 'Negative');
 [Well Suited / Fairly Suited / Not Suited]</td><td  colspan="4"><?php echo $pd_section_data[19]['business_location_suited'];?></td></tr>
 
 	<tr><td  colspan="4">PD Officer's overall assessment
-(Positive / Negative)</td><td  colspan="4"><?php echo $over_all [ $pd_section_data[19]['pd_officer_recommendation'] ];?></td></tr>
+[Positive / Negative / Refer to Credit / Others (Please specify)]</td><td  colspan="4"><?php echo isset($pd_section_data[19]['pd_officer_recommendation_other']) ? $pd_section_data[19]['pd_officer_recommendation_other'] : $over_all [ $pd_section_data[19]['pd_officer_recommendation'] ];?></td></tr>
 
 	
 	<?php
 	$reason = '';
 	foreach($pd_section_data[19]['pd_officer_recommendation_remarks'] as $key => $val)
 		{ $reason .= ($key + 1).' '.$val['reason'].'<br>'; }
+		if($pd_section_data[19]['pd_officer_recommendation'] != '1'){
 	?>
+	
 	<tr><td  colspan="4">PD Officer's key points considered while arriving at the
 aforementioned status</td><td  colspan="4"><?php echo $reason;?></td></tr>
-	<?php if(isset($pd_section_data[19]['final_form_remarks']) && !empty($pd_section_data[19]['final_form_remarks'])){
+	<?php } if(isset($pd_section_data[19]['final_form_remarks']) && !empty($pd_section_data[19]['final_form_remarks'])){
 		echo '<tr><td  colspan="4">Remarks</td><td  colspan="4">'.$pd_section_data[19]['final_form_remarks'] .'</td></tr>';
 
 	}?>
diff --git a/api/application/views/smc_creditpd_reports/NBFC.php b/api/application/views/smc_creditpd_reports/NBFC.php
index 602f25db..45ac7618 100644
--- a/api/application/views/smc_creditpd_reports/NBFC.php
+++ b/api/application/views/smc_creditpd_reports/NBFC.php
@@ -513,13 +513,13 @@ defined('BASEPATH') OR exit('No direct script access allowed');
     <?php
       if(isset($pd_section_data['19']) && count($pd_section_data['19'])&& ($pd_section_data[19]['pd_officer_recommendation'] != '') && ($pd_section_data[19]['customer_behaviour'] != '' )){
         $customer_behaviour = array('1' => 'Others','2' => 'Rude','3' => 'Polite');
-        $over_all = array('2' => 'Positive','3' => 'Negative');
+        $over_all = array('1' => 'Others','2' => 'Positive','3' => 'Negative','4' => 'Refer to Credit');
     ?>		
 	  <tr><td  colspan="4">Customer Behaviour
             [Polite / Rude / Others (Please specify)]</td><td  colspan="4"><?php echo isset($pd_section_data[19]['customer_behaviour_other']) ? $pd_section_data[19]['customer_behaviour_other'] : $customer_behaviour [ $pd_section_data[19]['customer_behaviour'] ];?></td></tr>
 
 	  <tr><td  colspan="4">PD Officer's overall assessment
-            (Positive / Negative)</td><td  colspan="4"><?php echo $over_all [ $pd_section_data[19]['pd_officer_recommendation'] ];?></td></tr>
+            [Positive / Negative / Refer to Credit / Others (Please specify)]</td><td  colspan="4"><?php echo isset($pd_section_data[19]['pd_officer_recommendation_other']) ? $pd_section_data[19]['pd_officer_recommendation_other'] : $over_all [ $pd_section_data[19]['pd_officer_recommendation'] ];?></td></tr>
 	<?php
 	$reason = '';
 	foreach($pd_section_data[19]['pd_officer_recommendation_remarks'] as $key => $val)