# Open term loans can be created with zero platform service fee if borrowers create them right after a pool has been deployed. Medium · Three Sigma · Institutional lending · 10th April, 2024 Finding 3S-MAPLE-M01 of the Maple Finance security review. - Protocol: https://maple.finance/ - Report: /reports/maple-finance-iii-2024 - Source: https://cdn.sanity.io/files/qoqld077/production/36dbe5ca76da3d2392bcee581548067705b8bd36.pdf --- ### Description The platform service fee is set on loan deployment; however, when a pool is deployed, its platform service fee is 0 (has not been set yet), so a borrower could deploy a loan right after a pool deployment and have 0 platform service fee. ### Recommendation Set the platformServiceFee when a loan is [funded instead](https://github.com/maple-labs/three-sigma-audit-2023-04-10/issues/29) of when created, similarly to what happens on the fixed term loan. ### Status Acknowledged by the team. --- Related findings: - [Withdrawals logic allows MEV exploits of TVL changes and zero-slippage zero-fee swaps](https://0xsimao.com/findings/renzo-withdrawals-zero-slippage-fee): Renzo