U+ Bank, a retail bank, has introduced a credit cards group with Gold card and Platinum card offers. The bank wants to present these two offers based on the following criteria:

1. For both cards, customers must be above the age of 18

2. Offer both cards only if the customer does not explicitly opt-out of any direct marketing for credit cards

3. Platinum card is suitable for customers with the Credit Score > 500

As a decisioning consultant, how do you implement this requirement? In the Answer Area, select the correct engagement policy for each criterion.