James Smith has asked for a $3,500 loan from Bear Center National Bank to repay some personal expenses. The bank uses a credit-scoring system to evaluate such requests, which contains the following discriminating factors along with their associated point weights in parentless: - Credit Rating (excellent 3; average 2; poor or no record 0) - Time in current job (5 years or more, 6; 1 to 5 years, 3) - Time at Current Residence (more than 2 years, 4; 1 to 2 years, 2; less than a year, 1) - Telephone in residence (yes,1 ; no, 0) - Holds Account at Bank ( yes,2 ; no, 0) The bank generally grants a loan if a customer scores 9 or more points. Mr. Smith has an average credit rating, has been in his current job for three years and at his current residence for 2 years, has a telephone, but has no account at the bank. James Smith likely to receive the loan he has requested or not?