16.3 Summary of Seeded Product Profiles
The following tables summarize the attributes defined for each product profile:
Table 16-1 Bond Adjustment Rate
| Location | Default Value | Attribute |
|---|---|---|
| All Business > | 100 | Percent Taxable |
| All Business > | Do Not Adjust | Pay Equivalent Compounding Convention |
| All Business > | Blank, that is, holiday calendar not selected | Holiday Calendar |
| All Business > |
Unadjusted and Disabled, if the holiday calendar is not selected in the preceding section. Unadjusted and Enabled, if the holiday calendar is selected in the preceding section. |
Rolling Convention |
| All Business > |
Shift Dates Only is selected and Disabled if Rolling Convention is not selected. Shift Dates Only is selected and Enabled if Rolling Convention is selected to be other than Unadjusted. |
Interest Calculation Logic |
| New Business > Define Core Product Attributes > | Non-Amortizing | Amortization Type |
| New Business > Define Core Product Attributes > | Other Adjustable | Adjustable Type |
| New Business > Define Core Product Attributes | Unchecked | Inflation Indexed Instrument |
| New Business > Define Payment Attributes > | 6 Months | Payment Frequency |
| New Business > Define Payment Attributes > | Interest In Arrears | Interest Type |
| New Business > Define Payment Attributes > | Actual / Actual | Accrual Basis |
| New Business > Define Payment Attributes > | Simple | Compounding Basis |
| New Business > Define Payment Attributes > | Floating Net Rate | Net Margin Flag |
| New Business > Define Adjustable Rate Attributes > | 6 Months | Repricing Frequency |
| New Business > Define Other Mortgage Attributes > | 700 | Customer Credit Score |
| New Business > Define Other Mortgage Attributes > | 80 | Original Loan to value |
| New Business > Define Other Mortgage Attributes > | FANNIE_MAE | Issuer |
| New Business > Define Negative Amortization Attributes > | <Not Applicable> | |
| New Business>Define Inflation Adjustment Attributes > | 0 | Index Name |
| New Business>Define Inflation Adjustment Attributes > | Principal and Interest payments both | Index Adjustment Type |
| New Business>Define Inflation Adjustment Attributes > | No Floor | No Floor Capital Protection Category |
Note:
If the user is mapped to ADCo, the Product Profile will always show the "Define Other Mortgages Attributes" tab.Table 16-2 Bond Fixed Rate
| Location | Default Value | Attribute |
|---|---|---|
| All Business > | 100 | Percent Taxable |
| All Business > | Do Not Adjust | Pay Equivalent Compounding Convention |
| All Business > | Blank, that is, holiday calendar not selected | Holiday Calendar |
| All Business > |
Unadjusted and Disabled, if the holiday calendar is not selected in the preceding section. Unadjusted and Enabled, if the holiday calendar is selected in the preceding section. |
Rolling Convention |
| All Business > |
Shift Dates Only is selected and Disabled if Rolling Convention is not selected. Shift Dates Only is selected and Enabled if Rolling Convention is selected to be other than Unadjusted. |
Interest Calculation Logic |
| New Business > Define Core Product Attributes > | Non-Amortizing | Amortization Type |
| New Business > Define Core Product Attributes > | Fixed Rate | Adjustable Type |
| New Business > Define Core Product Attributes | Unchecked | Inflation Indexed Instrument |
| New Business > Define Payment Attributes > | 6 Months | Payment Frequency |
| New Business > Define Payment Attributes > | Interest In Arrears | Interest Type |
| New Business > Define Payment Attributes > | Actual / Actual | Accrual Basis |
| New Business > Define Payment Attributes > | Simple | Compounding Basis |
| New Business > Define Payment Attributes > | Floating Net Rate | Net Margin Flag |
| New Business > Define Adjustable Rate Attributes > | <Not Applicable> | |
| New Business > Define Other Mortgage Attributes > | 700 | Customer Credit Score |
| New Business > Define Other Mortgage Attributes > | 80 | Original Loan to value |
| New Business > Define Other Mortgage Attributes > | FANNIE_MAE | Issuer |
| New Business > Define Neg Am Attributes > | <Not Applicable> | |
| New Business> Define Inflation Adjustment Attributes > | 0 | Index Name |
| New Business> Define Inflation Adjustment Attributes > | Principal and Interest payments both | Index Adjustment Type |
| New Business> Define Inflation Adjustment Attributes > | No Floor | No Floor Capital Protection Category |
Note:
If the user is mapped to ADCo, the Product Profile will always show the "Define Other Mortgages Attributes" tab.Table 16-3 Credit Cards
| Location | Default Value | Attribute |
|---|---|---|
| All Business > | 100 | Percent Taxable |
| All Business > | Do Not Adjust | Pay Equivalent Compounding Convention |
| All Business > | Blank, that is, holiday calendar not selected | Holiday Calendar |
| All Business > |
Unadjusted and Disabled, if the holiday calendar is not selected in the preceding section. Unadjusted and Enabled, if the holiday calendar is selected in the preceding section. |
Rolling Convention |
| All Business > |
Shift Dates Only is selected and Disabled if Rolling Convention is not selected. Shift Dates Only is selected and Enabled if Rolling Convention is selected to be other than Unadjusted. |
Interest Calculation Logic |
| New Business > Define Core Product Attributes > | Behavior Pattern | Amortization Type |
| New Business > Define Core Product Attributes > | Floating Rate | Adjustable Type |
| New Business > Define Core Product Attributes | Unchecked | Inflation Indexed Instrument |
| New Business > Define Payment Attributes > | 1 Month | Payment Frequency |
| New Business > Define Payment Attributes > | Interest In Arrears | Interest Type |
| New Business > Define Payment Attributes > | Actual / Actual | Accrual Basis |
| New Business > Define Payment Attributes > | Simple | Compounding Basis |
| New Business > Define Payment Attributes > | Floating Net Rate | Net Margin Flag |
| New Business > Define Adjustable Rate Attributes > | <Not Applicable> | |
| New Business > Define Other Mortgage Attributes > | 700 | Customer Credit Score |
| New Business > Define Other Mortgage Attributes > | 80 | Original Loan to value |
| New Business > Define Other Mortgage Attributes > | FANNIE_MAE | Issuer |
| New Business > Define Neg Am Attributes > | <Not Applicable> | |
| New Business> Define Inflation Adjustment Attributes > | 0 | Index Name |
| New Business> Define Inflation Adjustment Attributes > | Principal and Interest payments both | Index Adjustment Type |
| New Business> Define Inflation Adjustment Attributes > | No Floor | No Floor Capital Protection Category |
Note:
If the user is mapped to ADCo, the Product Profile will always show the "Define Other Mortgages Attributes" tab.
Table 16-4 Discount Instruments
| Location | Default Value | Attribute |
|---|---|---|
| All Business > | 100 | Percent Taxable |
| All Business > | Do Not Adjust | Pay Equivalent Compounding Convention |
| All Business > | Blank, that is, holiday calendar not selected | Holiday Calendar |
| All Business > |
Unadjusted and Disabled, if the holiday calendar is not selected in the preceding section. Unadjusted and Enabled, if the holiday calendar is selected in the preceding section. |
Rolling Convention |
| All Business > |
Shift Dates Only is selected and Disabled if Rolling Convention is not selected. Shift Dates Only is selected and Enabled if Rolling Convention is selected to be other than Unadjusted. |
Interest Calculation Logic |
| New Business > Define Core Product Attributes > | Non-Amortizing | Amortization Type |
| New Business > Define Core Product Attributes > | Fixed Rate | Adjustable Type |
| New Business > Define Core Product Attributes > | 3.0% | Original Deferred Amortization % |
| New Business > Define Core Product Attributes | Unchecked | Inflation Indexed Instrument |
| New Business > Define Payment Attributes > | 90 Days | Payment Frequency |
| New Business > Define Payment Attributes > | Interest In Arrears | Interest Type |
| New Business > Define Payment Attributes > | Actual / 360 | Accrual Basis |
| New Business > Define Payment Attributes > | Simple | Compounding Basis |
| New Business > Define Payment Attributes > | Floating Net Rate | Net Margin Flag |
| New Business > Define Adjustable Rate Attributes > | <Not Applicable> | |
| New Business > Define Other Mortgage Attributes > | 700 | Customer Credit Score |
| New Business > Define Other Mortgage Attributes > | 80 | Original Loan to value |
| New Business > Define Other Mortgage Attributes > | FANNIE_MAE | Issuer |
| New Business > Define Neg Am Attributes > | <Not Applicable> | |
| New Business> Define Inflation Adjustment Attributes > | 0 | Index Name |
| New Business> Define Inflation Adjustment Attributes > | Principal and Interest payments both | Index Adjustment Type |
| New Business> Define Inflation Adjustment Attributes > | No Floor | No Floor Capital Protection Category |
Note:
If the user is mapped to ADCo, the Product Profile will always show the "Define Other Mortgages Attributes" tab.Table 16-5 Lease
| Location | Default Value | Attribute |
|---|---|---|
| All Business > | 100 | Percent Taxable |
| All Business > | Do Not Adjust | Pay Equivalent Compounding Convention |
| All Business > | Blank, that is, holiday calendar not selected | Holiday Calendar |
| All Business > |
Unadjusted and Disabled, if the holiday calendar is not selected in the preceding section. Unadjusted and Enabled, if the holiday calendar is selected in the preceding section. |
Rolling Convention |
| All Business > |
Shift Dates Only is selected and Disabled if Rolling Convention is not selected. Shift Dates Only is selected and Enabled if Rolling Convention is selected to be other than Unadjusted. |
Interest Calculation Logic |
| New Business > Define Core Product Attributes > | Lease | Amortization Type |
| New Business > Define Core Product Attributes > | Fixed Rate | Adjustable Type |
| New Business > Define Core Product Attributes | Unchecked | Inflation Indexed Instrument |
| New Business > Define Payment Attributes > | 1 Month | Payment Frequency |
| New Business > Define Payment Attributes > | Interest In Arrears | Interest Type |
| New Business > Define Payment Attributes > | Actual / 360 | Accrual Basis |
| New Business > Define Payment Attributes > | Simple | Compounding Basis |
| New Business > Define Payment Attributes > | Floating Net Rate | Net Margin Flag |
| New Business > Define Adjustable Rate Attributes > | <Not Applicable> | |
| New Business > Define Other Mortgage Attributes > | 700 | Customer Credit Score |
| New Business > Define Other Mortgage Attributes > | 80 | Original Loan to value |
| New Business > Define Other Mortgage Attributes > | FANNIE_MAE | Issuer |
| New Business > Define Neg Am Attributes > | <Not Applicable> | |
| New Business> Define Inflation Adjustment Attributes > | 0 | Index Name |
| New Business> Define Inflation Adjustment Attributes > | Principal and Interest payments both | Index Adjustment Type |
| New Business> Define Inflation Adjustment Attributes > | No Floor | No Floor Capital Protection Category |
Note:
If the user is mapped to ADCo, the Product Profile will always show the "Define Other Mortgages Attributes" tab.Table 16-6 Loan Adjustment Rate
| Location | Default Value | Attribute |
|---|---|---|
| All Business > | 100 | Percent Taxable |
| All Business > | Do Not Adjust | Pay Equivalent Compounding Convention |
| All Business > | Blank, that is, holiday calendar not selected | Holiday Calendar |
| All Business > |
Unadjusted and Disabled, if the holiday calendar is not selected in the preceding section. Unadjusted and Enabled, if the holiday calendar is selected in the preceding section. |
Rolling Convention |
| All Business > |
Shift Dates Only is selected and Disabled if Rolling Convention is not selected. Shift Dates Only is selected and Enabled if Rolling Convention is selected to be other than Unadjusted. |
Interest Calculation Logic |
| New Business > Define Core Product Attributes > | Conventional Adjustable | Amortization Type |
| New Business > Define Core Product Attributes > | Other Adjustable | Adjustable Type |
| New Business > Define Core Product Attributes | Unchecked | Inflation Indexed Instrument |
| New Business > Define Payment Attributes > | 1 Month | Payment Frequency |
| New Business > Define Payment Attributes > | Interest In Arrears | Interest Type |
| New Business > Define Payment Attributes > | Actual / Actual | Accrual Basis |
| New Business > Define Payment Attributes > | Simple | Compounding Basis |
| New Business > Define Payment Attributes > | Floating Net Rate | Net Margin Flag |
| New Business > Define Adjustable Rate Attributes > | 1 Year | Repricing Frequency |
| New Business > Define Other Mortgage Attributes > | 700 | Customer Credit Score |
| New Business > Define Other Mortgage Attributes > | 80 | Original Loan to value |
| New Business > Define Other Mortgage Attributes > | FANNIE_MAE | Issuer |
| New Business > Define Neg Am Attributes > | <Not Applicable> | |
| New Business> Define Inflation Adjustment Attributes > | 0 | Index Name |
| New Business> Define Inflation Adjustment Attributes > | Principal and Interest payments both | Index Adjustment Type |
| New Business> Define Inflation Adjustment Attributes > | No Floor | No Floor Capital Protection Category |
Note:
If the user is mapped to ADCo, the Product Profile will always show the "Define Other Mortgages Attributes" tab.Table 16-7 Loan Fixed Rate
| Location | Default Value | Attribute |
|---|---|---|
| All Business > | 100 | Percent Taxable |
| All Business > | Do Not Adjust | Pay Equivalent Compounding Convention |
| All Business > | Blank, that is, holiday calendar not selected | Holiday Calendar |
| All Business > |
Unadjusted and Disabled, if the holiday calendar is not selected in the preceding section. Unadjusted and Enabled, if the holiday calendar is selected in the preceding section. |
Rolling Convention |
| All Business > |
Shift Dates Only is selected and Disabled if Rolling Convention is not selected. Shift Dates Only is selected and Enabled if Rolling Convention is selected to be other than Unadjusted. |
Interest Calculation Logic |
| New Business > Define Core Product Attributes > | Conventional Fixed | Amortization Type |
| New Business > Define Core Product Attributes > | Fixed | Adjustable Type |
| New Business > Define Core Product Attributes | Unchecked | Inflation Indexed Instrument |
| New Business > Define Payment Attributes > | 1 Month | Payment Frequency |
| New Business > Define Payment Attributes > | Interest In Arrears | Interest Type |
| New Business > Define Payment Attributes > | Actual / Actual | Accrual Basis |
| New Business > Define Payment Attributes > | Simple | Compounding Basis |
| New Business > Define Payment Attributes > | Floating Net Rate | Net Margin Flag |
| New Business > Define Adjustable Rate Attributes > | < Not Applicable > | |
| New Business > Define Other Mortgage Attributes > | 700 | Customer Credit Score |
| New Business > Define Other Mortgage Attributes > | 80 | Original Loan to value |
| New Business > Define Other Mortgage Attributes > | FANNIE_MAE | Issuer |
| New Business > Define Neg Am Attributes > | <Not Applicable> | |
| New Business> Define Inflation Adjustment Attributes > | 0 | Index Name |
| New Business> Define Inflation Adjustment Attributes > | Principal and Interest payments both | Index Adjustment Type |
| New Business> Define Inflation Adjustment Attributes > | No Floor | No Floor Capital Protection Category |
Note:
If the user is mapped to ADCo, the Product Profile will always show the "Define Other Mortgages Attributes" tab.Table 16-8 Loan Floating Rate
| Location | Default Value | Attribute |
|---|---|---|
| All Business > | 100 | Percent Taxable |
| All Business > | Do Not Adjust | Pay Equivalent Compounding Convention |
| All Business > | Blank, that is, holiday calendar not selected | Holiday Calendar |
| All Business > |
Unadjusted and Disabled, if the holiday calendar is not selected in the preceding section. Unadjusted and Enabled, if the holiday calendar is selected in the preceding section. |
Rolling Convention |
| All Business > |
Shift Dates Only is selected and Disabled if Rolling Convention is not selected. Shift Dates Only is selected and Enabled if Rolling Convention is selected to be other than Unadjusted. |
Interest Calculation Logic |
| New Business > Define Core Product Attributes > | Conventional Adjustable | Amortization Type |
| New Business > Define Core Product Attributes > | Floating Rate | Adjustable Type |
| New Business > Define Core Product Attributes | Unchecked | Inflation Indexed Instrument |
| New Business > Define Payment Attributes > | 1 Month | Payment Frequency |
| New Business > Define Payment Attributes > | Interest In Arrears | Interest Type |
| New Business > Define Payment Attributes > | Actual / Actual | Accrual Basis |
| New Business > Define Payment Attributes > | Simple | Compounding Basis |
| New Business > Define Payment Attributes > | Floating Net Rate | Net Margin Flag |
| New Business > Define Adjustable Rate Attributes > | < Not Applicable > | |
| New Business > Define Other Mortgage Attributes > | 700 | Customer Credit Score |
| New Business > Define Other Mortgage Attributes > | 80 | Original Loan to value |
| New Business > Define Other Mortgage Attributes > | FANNIE_MAE | Issuer |
| New Business > Define Neg Am Attributes > | <Not Applicable> | |
| New Business> Define Inflation Adjustment Attributes > | 0 | Index Name |
| New Business> Define Inflation Adjustment Attributes > | Principal and Interest payments both | Index Adjustment Type |
| New Business> Define Inflation Adjustment Attributes > | No Floor | No Floor Capital Protection Category |
Note:
If the user is mapped to ADCo, the Product Profile will always show the "Define Other Mortgages Attributes" tab.Table 16-9 Loan Negative Amortization
| Location | Default Value | Attribute |
|---|---|---|
| All Business > | 100 | Percent Taxable |
| All Business > | Do Not Adjust | Pay Equivalent Compounding Convention |
| All Business > | Blank, that is, holiday calendar not selected | Holiday Calendar |
| All Business > |
Unadjusted and Disabled, if the holiday calendar is not selected in the preceding section. Unadjusted and Enabled, if the holiday calendar is selected in the preceding section. |
Rolling Convention |
| All Business > |
Shift Dates Only is selected and Disabled if Rolling Convention is not selected. Shift Dates Only is selected and Enabled if Rolling Convention is selected to be other than Unadjusted. |
Interest Calculation Logic |
| New Business > Define Core Product Attributes > | Adjustable Negative Amortization | Amortization Type |
| New Business > Define Core Product Attributes > | Other Adjustable | Adjustable Type |
| New Business > Define Core Product Attributes | Unchecked | Inflation Indexed Instrument |
| New Business > Define Payment Attributes > | 1 Month | Payment Frequency |
| New Business > Define Payment Attributes > | Interest In Arrears | Interest Type |
| New Business > Define Payment Attributes > | Actual / Actual | Accrual Basis |
| New Business > Define Payment Attributes > | Simple | Compounding Basis |
| New Business > Define Payment Attributes > | Floating Net Rate | Net Margin Flag |
| New Business > Define Adjustable Rate Attributes > | 1 Month | Repricing Frequency |
| New Business > Define Neg Am Attributes > | 6 Months | Payment Change Frequency |
| New Business > Define Neg Am Attributes > | 3 Months | Equalization Frequency |
| New Business > Define Other Mortgage Attributes > | 700 | Customer Credit Score |
| New Business > Define Other Mortgage Attributes > | 80 | Original Loan to value |
| New Business > Define Other Mortgage Attributes > | FANNIE_MAE | Issuer |
| New Business> Define Inflation Adjustment Attributes > | 0 | Index Name |
| New Business> Define Inflation Adjustment Attributes > | Principal and Interest payments both | Index Adjustment Type |
| New Business> Define Inflation Adjustment Attributes > | No Floor | No Floor Capital Protection Category |
Note:
If the user is mapped to ADCo, the Product Profile will always show the "Define Other Mortgages Attributes" tab.Table 16-10 Savings
| Location | Default Value | Attribute |
|---|---|---|
| All Business > | 100 | Percent Taxable |
| All Business > | Do Not Adjust | Pay Equivalent Compounding Convention |
| All Business > | Blank, that is, holiday calendar not selected | Holiday Calendar |
| All Business > |
Unadjusted and Disabled, if the holiday calendar is not selected in the preceding section. Unadjusted and Enabled, if holiday calendar is selected in the preceding section |
Rolling Convention |
| All Business > |
Shift Dates Only is selected and Disabled if Rolling Convention is not selected. Shift Dates Only is selected and Enabled if Rolling Convention is selected to be other than Unadjusted. |
Interest Calculation Logic |
| New Business > Define Core Product Attributes > | Behavior Pattern | Amortization Type |
| New Business > Define Core Product Attributes > | Floating Rate | Adjustable Type |
| New Business > Define Core Product Attributes | Unchecked | Inflation Indexed Instrument |
| New Business > Define Payment Attributes > | 1 Month | Payment Frequency |
| New Business > Define Payment Attributes > | Interest In Arrears | Interest Type |
| New Business > Define Payment Attributes > | Actual / Actual | Accrual Basis |
| New Business > Define Payment Attributes > | Simple | Compounding Basis |
| New Business > Define Payment Attributes > | Floating Net Rate | Net Margin Flag |
| New Business > Define Adjustable Rate Attributes > | <Not Applicable> | |
| New Business > Define Other Mortgage Attributes > | 700 | Customer Credit Score |
| New Business > Define Other Mortgage Attributes > | 80 | Original Loan to value |
| New Business > Define Other Mortgage Attributes > | FANNIE_MAE | Issuer |
| New Business > Define Neg Am Attributes > | <Not Applicable> | |
| New Business> Define Inflation Adjustment Attributes > | 0 | Index Name |
| New Business> Define Inflation Adjustment Attributes > | Principal and Interest payments both | Index Adjustment Type |
| New Business> Define Inflation Adjustment Attributes > | No Floor | No Floor Capital Protection Category |
Note:
If the user is mapped to ADCo, the Product Profile will always show the "Define Other Mortgages Attributes" tab.
Table 16-11 Term Deposits
| Location | Default Value | Attribute |
|---|---|---|
| All Business > | 100 | Percent Taxable |
| All Business > | Do Not Adjust | Pay Equivalent Compounding Convention |
| All Business > | Blank, that is, holiday calendar not selected | Holiday Calendar |
| All Business > |
Unadjusted and Disabled, if the holiday calendar is not selected in the preceding section. Unadjusted and Enabled, if the holiday calendar is selected in the preceding section. |
Rolling Convention |
| All Business > |
Shift Dates Only is selected and Disabled if Rolling Convention is not selected. Shift Dates Only is selected and Enabled if Rolling Convention is selected to be other than Unadjusted. |
Interest Calculation Logic |
| New Business > Define Core Product Attributes > | Non-Amortizing | Amortization Type |
| New Business > Define Core Product Attributes > | Fixed Rate | Adjustable Type |
| New Business > Define Core Product Attributes | Unchecked | Inflation Indexed Instrument |
| New Business > Define Payment Attributes > | 1 Month | Payment Frequency |
| New Business > Define Payment Attributes > | Interest In Arrears | Interest Type |
| New Business > Define Payment Attributes > | Actual / Actual | Accrual Basis |
| New Business > Define Payment Attributes > | Simple | Compounding Basis |
| New Business > Define Payment Attributes > | Floating Net Rate | Net Margin Flag |
| New Business > Define Adjustable Rate Attributes > | <Not Applicable> | |
| New Business > Define Other Mortgage Attributes > | 700 | Customer Credit Score |
| New Business > Define Other Mortgage Attributes > | 80 | Original Loan to value |
| New Business > Define Other Mortgage Attributes > | FANNIE_MAE | Issuer |
| New Business > Define Neg Am Attributes > | <Not Applicable> | |
| New Business> Define Inflation Adjustment Attributes > | 0 | Index Name |
| New Business> Define Inflation Adjustment Attributes > | Principal and Interest payments both | Index Adjustment Type |
| New Business> Define Inflation Adjustment Attributes > | No Floor | No Floor Capital Protection Category |
Note:
If the user is mapped to ADCo, the Product Profile will always show the "Define Other Mortgages Attributes" tab.