public function getDefaultData()
{
$personalInformation = $this->borrower->getPersonalInformation() + ['firstName' => $this->borrower->getFirstName(), 'lastName' => $this->borrower->getLastName(), 'email' => $this->borrower->getUser()->getEmail(), 'countryId' => $this->borrower->getCountryId()];
return $personalInformation;
}