Term Loans

The Main Info tab requires the basic elements for the creation of a product such as name, code, image and features.

The following fields are available:

Field	Required	Data Type	Details
Product Type	Yes	Option Set	Choose one for the following: Bank Account Term Loan Card Overdraft Leasing Mortgage Credit Card Deposit NOTE   Your product type selection greatly influences the next steps. It is important to choose the right type of product to build.
External Code	No	Text	The code of the product imported from an external system, if applicable. It can have 10 characters and it is not used in the contract.
Banking Product Code	Yes	Text	The code of the product. It can have 10 characters and it is used in the contract. It uses a sequencer and the code of the product type.
Name	Yes	Text	The name of the product.
Class	No	Option set	This field is used to place the product in a hierarchy. For more information, see Product Hierarchy
Subclass	No	Option set	This field is used to place the product in a hierarchy. For more information, see Product Hierarchy
Category	No	Option set	This field is used to place the product in a hierarchy. For more information, see Product Hierarchy
Subcategory	No	Option set	This field is used to place the product in a hierarchy. For more information, see Product Hierarchy
Start Date	Yes	Date	The date when the product becomes available.
End Date	Yes	Date	The last date from when the product is available. From that date forward, the product is no longer available.
Benefits	No	Text area	Insert the advantages of owning the banking product. You can format the text in the text editor window.
Description	No	Text area	Write any description or additional text here.
Product Image	No	File	Insert an image representative for the product.
Document	No	File	Insert the document representative for the product.
Display Conditions	No	Text area	Insert the conditions for the applicant, e.g. age limit, annual turnover, education level, income, registration documents.

Click the Save and Reload button at the top right corner of the page.

In the Product Features section, you can insert, delete or export features. To add a feature, click Insert and fill in the following fields:

Field	Required	Data Type	Details
Banking Product	No	Option set	Choose the name of the product.
Is main feature	No	Bool	Select the checkbox if it is the major feature.
Feature	No	Text	The name of the feature.

Click the Save and Reload button at the top right corner of the page.

In the Product Classifications section, you can insert or remove existing product classification items. To add a product classification item, click Insert Existing and select an already existing item, or create a new one by clicking Insert and filling in the following fields:

Field	Required	Data Type	Details
Classification Type	Yes	Option set	Choose the classification type of the item. Possible values: Regulatory, Restructuring.
Name	Yes	Text	Enter the name of the classification item.
Code	Yes	Text	Enter the unique code of the classification item.
Is Default	Yes	Boolean	Select the checkbox if this classification item is default.
Valid From	Yes	Invariant Date	Select the date from which the product classification item is valid.
Valid To	Yes	Invariant Date	Select the date until when the product classification item is valid.

The Banking Products Classification Section is displayed after saving the classification item record and allows you to insert existing banking products. The following information is displayed here:

Field	Details
Code	The code of the banking product added to the product classification item.
Name	The name of the banking product.
Class	The class of the banking product.
SubClass	The subclass of the banking product.
Category	The category of the banking product.
SubCategory	The subcategory of the banking product.
Status	The status of the banking product record.

The Contract Classifications Section is displayed after saving the classification item record and allows you to insert existing contracts. The following information is displayed here:

Field	Details
Contract	The number of the contract using this classification.
Code	The code of the classification item.
Name	The name of the classification item.
Classification Type	The type of the classification.
Valid From	The date from which the classification item is valid.
Valid To	The date until which the classification item is valid.

 

The Details tab requires further elements such as interest, payment type, top-ups and withdrawals.

For the General Data section, the following fields are available:

Field	Required	Data Type	Details
Bank Account Type	Yes	Option set	Choose one from the following: Current Account Savings Account Fixed Deposit Account Term Deposit Account Loan Term Account.
Is Revolving	No	Bool	Allows a business to borrow money as needed for funding working capital needs and continuing operations such as meeting payroll and playable. NOTE   If a term loan is revolving, its attached limit must also be revolving, meaning that the Available Amount of the limit is replenished either on each repayment of the principal or on loan contract closure.
Auto Disbursement	Yes	Bool	Specifies if the disbursement is automatically performed when the contract is approved.
Max No Disbursements	No	Whole number	The maximum number of disbursements that can be configured for this product.
Is Guaranteed	Yes	Bool	This checkbox marks the product as secured or unsecured. NOTE   The Collateral Cover Percent field appears when you select this checkbox.
Activation Tranches On Document Submission	No	Bool	Tranches to be granted after certain documents are submitted.
Allow Collateral Partial Release	No	Bool	A partial release is a mortgage provision that allows some of the collateral to be released from a mortgage after the borrower pays a certain amount of the loan.
Collateral Cover Percent	No	Whole number	The percent that the collateral person on the contract pays. It usually is over 100%.
Allow CoDebtor	No	Bool	Select if another debtor exists for this product.
Allow Refinancing	No	Bool	Select if the account can be refinanced for this product.
Number of CoDebtors	No	Text	Set the maximum number of debtors possible for this product.

In the Payment Schedule Types section, the following fields are available:

Field	Required	Data Type	Details
Periodicity Type	Yes	Option set	Select the regularity of payments. Select one from the following: Once (the whole amount is paidat maturity) Weekly Monthly Bimonthly Trimestrial 4 Weeks Semestrial Annual 30Days. NOTE   If the measurement unit of the selected Periodicity Type = Days, then Holiday Shift For Repayment Installments = False and it cannot be changed.
Repayment Allocation Method	Yes	Option set	The repayment allocation method represents the recovery order of amounts from repayment notifications. You can specify if charges should be recovered with priority or maybe interest or principal. You can also split order by number of days overdue. Select a repayment allocation method from the list.
Holiday Shift For Repayment Installments	Yes	Bool	This checkbox marks if the holidays are considered for the calculation of the maturity schedule. NOTE   The Country Calendars section appears if you select this checkbox.
Holiday Shift Method	No	Option set	Select from the list the method to be used when calculating the due date if that date falls to a holiday. The due date can be shifted before or after the holiday. Possible values: None - the due date is not shifted. Forward - the due date is shifted to the last working day before the initially calculated due date. Backward - the due date is shifted to the next working day after the initially calculated due date. Default value: Forward.
Defer Due Date	Yes	Bool	If you select the checkbox, the payment schedule calculates the next payment amount as if the due date has not changed even when the due date falls on a holiday. This checkbox is selected by default.
Grace Type	No	Option set	Select whether the product grace should apply to the principal, the interest, or both. Select an option from the list: Both Principal Interest.
Product Grace	No	Option set	Select an option from the list. This is the amount of time that the bank can offer to a customer at the beginning of the contract without repayments of principal or principal + interest (however, most probably the bank capitalizes the interest for that period of time).
Grace Days for Repayment	No	Whole number	Insert the number of days for which the bank expects a payment without calculating penalty.
Penalty for grace period	No	Bool	If you select the checkbox, the penalty interest is applied on the loan contract without taking into consideration the grace period defined at contract level, being calculated for the difference between system date - due date, if the grace period passed and the customer didn't pay the due amounts. If you leave this checkbox unselected, the penalty interest is applied on the loan contract taking into consideration the grace period defined at contract level, being calculated for system date - due date + grace days for repayment.

In the Payment Schedule Types section, you can associate/ delete payment schedule types to/ from the banking product. To associate a payment schedule type to the banking product, click Insert Existing and select one of the already defined types. Go to Payment Schedule Types to read more about this.

In the Country calendars section, you can insert or delete calendars. You can work with multiple calendars as well. Click the Insert Existing button and add the country's name. If the maturity date coincides with a holiday, it is allocated automatically on the next business day.

In the Product Guarantees section, presented if the Is Guaranteed checkbox was selected earlier, you can insert or delete guarantees. To insert a guarantee, click the Insert Existing button and select one of the following:

• Cash collateral
• Real estate.

To insert a new guarantee, click Insert and fill in the name, code and select the guarantee type.

The Product Destination Types section allows for insertion or removal of existing destinations. Click Insert existing and select one of the existing destination types, or insert a new one. To create a new destination type, insert a name and specify if it is default. For this case, the following have been configured:

• Loan Collateral
• Loan disbursements
• Personal
• Repayments.

The Associated Products section allows for insertion or removal of existing products. It is especially useful when you wish to create a link between two products. You can insert or remove a product from the list or create a new one.

Click the Save and Reload button at the top right corner of the page.

In the Disbursement Matrix section, create or insert existing disbursement tranches, configured to fit the product. Usually used for corporate loans, such dividend payments or cash outflows are not done in equal amounts and usually trigger a recalculation in terms of interest. Add multiple such disbursements by clicking the Insert button. You can add:

• Name.

• Tranche Percent (%): the percentage of the final amount that goes towards the disbursement.

• Start Month From Activation: the start month for the disbursement. It can be any month in the loan availability period.

• Interest Percent (%): the interest percent for that particular disbursement.

• Unusage Commission Percent (%): a commission paid for the loan amount unused.

The Availability tab determines the monetary range and the time frame when the product is available for customers.

The following fields are available:

Field	Required	Data Type	Details
Currency	Yes	Option set	Choose the currency for this banking product.
Period Type	No	Option set	Choose one: Days Weeks Months Years Once. NOTE   The period type must be the same as the measurement unit of the Periodicity Type selected in the Details tab.
Maximum Period For Disbursement After Activation (Months)	No	Whole Number	The maximum period of disbursement after the this option is set. The number of months during which the disbursement must be made.
Minimum Period	No	Whole Number	The minimum duration of the product mentioned in the contract.
Maximum Period	No	Whole Number	The maximum duration of the product mentioned in the contract.
Minimum Principal For Early Repayment	No	Whole Number	The minimum principal for when early repayments are made.
Minimum Amount	No	Whole Number	The minimum amount of the product for which the bank opens a contract.
Maximum Amount	No	Whole Number	The maximum amount of the product for which the bank opens a contract.
Start Period For Unusage After Activation (Months)	No	Whole Number	The start period for unused amount after the activation.
Minimum Advance (%)	No	Numeric	The minimum advance percentage from the contract's financed value applicable at the contract level.
Maximum Advance (%)	No	Numeric	The maximum advance percentage from the contract's financed value applicable at the contract level.

In the Availability Rules section you can select the item filters for the banking product. For more details, see Product Filter.

Click the Save and Reload button at the top right corner of the page.

In the Product Covenants section you can set certain conventions that applicants must abide by after getting the loan. This is usually applicable for corporate clients that must meet certain requirements in order to continue to receive disbursements. Click the Insert button to add a covenant to the product. You can select from 3 possible covenants:

• Borrowers should perform tax obligations: the lenders expect the borrowers to perform their tax obligations to both the business and towards their employees. This covenant is of type affirmative.

• Lender can monitor borrower's current ratio: the lender may continuously monitor the borrower's current ratio to ensure it stays relatively attractive and promising. This covenant is of type financial.

• Lender posses the right to prevent merges or acquisitions: a clear stipulation that the lender possesses the right to prevent merges of acquisitions without proper notification or full knowledge of the process. This covenant is of type negative.

Each covenant can be attributed a value, an availability period, and a review frequency in months.

After all configurations are done, click the Save and Reload button.

For example, this is how it displays within a Digital Journey in the FintechOS Portal:

The Mandatory Roles section allows you to add the roles of the participants that are mandatory to exist at the contract level for contracts based on this banking product. In other words, when creating contracts based on banking products with Merchant role in this section, you must add a customer with the same Merchant role as contract participant, otherwise, the contract cannot be approved. When Search Limit is selected for a role on a banking product, Core Banking checks if the contract participant with this role has an attached limit configured with a limit type associated to the same role, in this case Merchant Exposure.

In the Mandatory Roles section, click Insert and fill in the following fields:

Field	Required	Data Type	Details
Banking Product	Yes	Lookup	The banking product for which you define mandatory roles. This is automatically completed with the current banking product.
Role	Yes	Option set	Select the beginning value/ date for the filter.
Search Limit	Yes	Boolean	When Search Limit is selected for a role on a banking product, Core Banking checks if the contract participant with this role has an attached limit configured with a limit type associated to the same role.

Click the Save and Reload button at the top right corner of the page.

The Dimensions tab displays the interests, commissions, insurances, discount and questions valid for a product.

You can insert, delete or export interest, commissions, insurances, discounts or questions. To add a new one, click Insert and fill-in the fields detailed in the sections below.

Interest & Commissions

Click Insert. In the Interest & Commission Item page, fill in the following fields:

Field	Required	Data Type	Details
Banking Product	Yes	Option set	Select the banking product.
Code	No	Text	Enter a code for this particular interest/ commission.
Item Name	Yes	Text	Enter a name.
Start Date	No	Date	The start date when the interest/ commission becomes effective.
End Date	No	Date	The end date for the interest/ commission.
Interest List	No	Option set	Select from which list the interest is a part of.
Commissions List	No	Option set	Select from which list the commission is a part of.
Minimum Interest Rate (%)	No	Numeric	Enter the percent applicable as a minimum interest rate at the contract level.
Is Negotiable	No	Bool	Select the checkbox to specify that every interest, commission or margin field at the contract level is negotiable and can be edited.

Click the Save and Reload button at the top right corner of the page.

In the Interest & Commission Item Filters section, click Insert and fill in the following fields:

Field	Required	Data Type	Details
Filter	Yes	Option set	Select a filter created earlier in the Product Filter.
Value/ Date	No	Text/Date	Select the beginning value/ date for the filter.
Until Value/ Until Date	No	Text/Date	Select the maximum value/ date for the filter.
Description	No	Text area	This field is automatically filled in after clicking the Save and Reload button. The values/ dates inserted above are turned into an expression.
For Lookup attributes
Filter	Yes	Option set	Select a filter created earlier in the Product Filter.
Option Set	No	Option set	It is automatically filled in with the option set name created for the attribute.
Description	No	Text area	It is left blank. Add a description if needed.
Grid of Options	No	Grid	This field is automatically filled in after clicking the Save and Reload button. The values of the option set are displayed. Select the bool for the values you wish to include in the filter.

Click the Save and Reload button at the top right corner of the page.

Insurance

For any banking product, you can select a pre-existing insurance or create a new one. To add a new one, fill in the following fields:

Field	Required	Data Type	Details
Banking Product	Yes	Option set	Select the banking product.
Code	No	Text	Insert a code for this particular insurance.
Item Name	Yes	Text	Insert a name.
Start Date	No	Date	It is the start date when the insurance becomes effective.
End Date	No	Date	It is the end date for the insurance.
Details	No	Text area	It is left blank. Add a description if needed.
Insurance List	No	Option set	Select from which list the insurance is a part of.

Click the Save and Reload button at the top right corner of the page.

In the Insurance Item Filters section, click Insert and fill in the following fields:

Field	Required	Data type	Description
Filter	Yes	Option set	The name inserted earlier.
Value	Yes	Text	The starting value for the attribute.
Until Value	Yes	Text	The ending value of the interval.
Description	No	Text area	Insert the proper description for the availability filter.

Click the Save and Close button at the top right corner of the page.

Discounts

For any banking product, you can add discounts of any nature. You can select a pre-existing discount or create a new one.

Click the Insert button. In the Details page, fill in the following fields:

Field	Required	Data Type	Details
Name	Yes	Text	Insert the appropriate name for the discount.
Discount	No	Option set	Choose one of the pre-configured types of discounts or create a new one. According to the selected type, new fields appear on the page requiring to be filled in.
Value discount	No	Numeric	Insert the value of the discount to be applied, e.g. 15.
Start date	Yes	Date	It is the start date when the discount becomes effective.
End date	Yes	Date	It is the end date for the discount.
Applied to dimension	No	Option set	Specifies for which product dimension this discount is applicable (interest, commission or insurance). This is autocompleted by the selected discount's dimension.
Commission type	No	Lookup	This field appears if the selected discount = Commission discount or Management Fee Discount. Specifies for which commission type this discount is applicable. This is autocompleted by the selected discount's default commission type.
Commission	No	Lookup	This field appears if the selected discount = Commission discount or Management Fee Discount. Specifies for which commission this discount is applicable. This is autocompleted by the selected discount's default commission.
Insurance class	No	Lookup	This field appears if the selected discount = Discount Life Insurance or Interest Discount. Specifies for which insurance class this discount is applicable (credit, home, life or other insurance class). This is autocompleted by the selected discount's insurance class.
Insurance	No	Lookup	This field appears if the selected discount = Discount Life Insurance. Specifies for which insurance this discount is applicable. This is autocompleted by the selected discount's insurance.
Interest type	No	Lookup	This field appears if the selected discount = Interest discount. Specifies for which interest type this discount is applicable.
Use Banking Formula	No	Bool	If you select this checkbox, the discount is calculated using the Banking Formula engine.
Is optional discount?	No	Bool	Selecting this checkbox results in the discount being applied only if the customer agrees to the discount.
Is percentage	No	Bool	If you select this checkbox, the discount is calculated as a percentage from the contract's amount.
Destination entity	No	Option set	Select the entity where to register the discount. This field opens when the Is optional discount? checkbox is selected.
Destination entity attribute	No	Option set	Select the attribute where to register the discount. This field opens when the Is optional discount? checkbox is selected.

Click the Save and Reload button at the top right corner of the page.

In the Product Discount Item Filter section, click Insert and fill in the fields as specified in the Product Filter page. The fields displayed depend on the selected filter.

Click the Save and Reload button at the top right corner of the page.

Questions

Choose one or more questions to add to the banking product, or insert a new one.

To insert a new question, click Insert existing, then click Insert. In the Add Banking Product Question page, fill in the following fields:

Field	Required	Data type	Description
Question	No	Text	Enter the appropriate name.
Answer Type	No	Option set	Select the type of answer the customer has to give: text numeric option set.
Answer Entity	No	Option set	Select the entity where the answer is stored.
Answer Field	No	Option set	Select the attribute where the answer is stored.

Click the Save and Reload button at the top right corner of the page.

The Banking Products List shows where the question is used.

Click the Save and Close button at the top right corner of the page.

For example, this is how a question is displayed in a digital journey in the FintechOS Portal:

The Risk Formulas tab keeps formulas built with Formula Engine for the banking product. Such formulas can be used to determine the eligibility of a customer.

In the Banking Product Formula section, choose an already defined formula or click Insert to configure a new one, for example a formula for eligibility or scoring purposes. For information on how to build a formula, see Define Formula Inputs.

In the Add Banking Product Formula page, fill in the following fields:

Field	Required	Data type	Description
Name	No	Text	Enter an appropriate name.
Banking Product	No	Option set	The name of the banking product is inserted automatically.
Formula Type	Yes	Option set	Select the type of formula configured before, e.g. scoring /eligibility.
Formula	Yes	Option set	Select the previously configured formula. IMPORTANT!   The formula must be activated before attaching it to a product.

After selecting the desired formula, click Save and reload, then click Map Data.

In the Formula Mapping page, click Input and configure the input data for the formula.

Click Output and configure the output for the formula.

Click the Save and Close button at the top right corner of the page.

Such formulas can be used in digital journey steps, for example when the customer inserts their financial data.

A good practice is to test the formula before displaying it in a digital journey. You can do that in the Test Risk Formulas tab.

Insert Test Scenario Type from the option set. The keys and the values are shown. Click the Save and Reload button at the top right corner of the page.

Click the Calculate button. The outputs are displayed in the Test Scenario Outputs section. These outputs can be saved by selecting the Save Output Data checkbox next to Calculate.

The Documents tab contains all the attached documents available for a product. The previously associated documents are displayed in the Banking Product Documents section.

To attach a new document to the banking product, click Insert and fill in the following fields:

Field	Data Type	Description
Operation Code	Whole number	Enter a code for the document.
Banking Copies No	Whole number	Insert the number of copies made.
Report	Lookup	Select a document from the list.
Document Type	Option set	Select a document type from the list.
Is Mandatory	Bool	Select if the document is mandatory.
Includes Debtor	Bool	Select if the document includes the debtor.
Includes Coborrower	Bool	Select if the document includes the co-borrower.
Requires Signature	Bool	Select if the document requires to be signed.
Is accord	Bool	Select if the document represents the accord.

Click the Save and Close button at the top right corner of the page.

The agreements that a customer needs to go through are displayed in the Banking Products Agreement section. To attach a new agreement to the banking product, click Insert and fill in the following fields:

Field	Required	Data Type	Description
Agreements	Yes	Option set	Select an agreement from the list.
Banking Product	Yes	Option set	It is automatically filled in.
Code	No	Whole number	Insert the corresponding code.
Is Mandatory	No	Bool	Select if the agreement is mandatory for the product.

Click the Save and Close button at the top right corner of the page.

For more information on how to configure a contract or an agreement, see the Digital Document Processor.

The following transaction types are typically used for term loans:

• Accruals and Provisions - System transaction. If added at banking product level, the accruals and provisions for contracts can be calculated on a daily basis.
  This transaction type is not added automatically. Make sure you insert it in the Associated Transactions tab.

• Disbursement - If added at banking product level, the requested funds are transferred into the customer's account.
  This transaction type is not added automatically. Make sure you insert it in the Associated Transactions tab.

• Early repayment - If added at banking product level, the customer can make a payment earlier than the stated maturity date of the contract.
  This transaction type is not added automatically. Make sure you insert it in the Associated Transactions tab.

• Payment Holiday - If added at banking product level, the official bank holidays are considered when calculating a payment schedule.
  This transaction type is not added automatically. Make sure you insert it in the Associated Transactions tab.

• Repayment - If added at banking product level, the customer can make a payment to cover the scheduled repayment amount.
  This transaction type is not added automatically. Make sure you insert it in the Associated Transactions tab.

• Repayment Notification - If added at banking product level, the system generates and displays in the contract a repayment notification after each disbursement, containing the total amount to be paid off.
  This transaction type is not added automatically. Make sure you insert it in the Associated Transactions tab.

• Reschedule Overdues - If added at banking product level, the system extends or adds extra time to an existing contract.
  This transaction type is not added automatically. Make sure you insert it in the Associated Transactions tab.

• Reschedule Debt - If added at banking product level, the system recalculates the entire payment schedule by extending the time period for loan repayment.
  This transaction type is not added automatically. Make sure you insert it in the Associated Transactions tab.

• Revert Disbursement - If added at banking product level, disbursements performed at contract level can be reverted after being performed.
  This transaction type is not added automatically. Make sure you insert it in the Associated Transactions tab.

• Revert Transfer between my bank accounts - System transaction. If added at banking product level, transfers between the same customer's bank account can be reverted after being performed.
  This transaction type is not added automatically. Make sure you insert it in the Associated Transactions tab.

• Transfer between my bank accounts - If added at banking product level, the customer is allowed to move funds between their accounts at the contract level.
  This transaction type is automatically added in the Associated Transactions tab if Allow Withdrawals was selected in the Details tab.

Transactions types that are performed to and from a banking product are displayed in the Associated Transactions tab.

For each banking product, you must select a bank account to be used for transactions. Next to the Self Bank Account For Transactions field, select a value from the list to be the current account from which or to which the money is wired from or to.

In the Transaction Types section, you can associate possible transaction types with the selected banking product. Click Insert existing and select the desired transaction types.

Double-click a selected transaction type to edit it. In the Edit Transaction Type section, fill in the following fields:

Field	Required	Data Type	Details
Transactions Operations Type	Yes	Option set	This field makes the connection with the transaction motor of bank accounts. Select one of the methods defined within the system. NOTE   There is no integration at this point with a payment gateway.
Is Automatic Transaction	Yes	Bool	This checkbox marks the transaction as automatic. If selected here, then you cannot select it within the contract operations.
Is System Transactions	No	Bool	This checkbox marks the transaction as being neither a credit of the account, nor an allocation of funds, but a transaction that does not influence other transactions within the account. System transactions are meant to be used only for accounting.
Name	Yes	Text	Name of the transaction type.
Transaction Code	Yes	Text	The code of the transaction type.
Generates Accounting Entry	Yes	Bool	This checkbox allows you to create an entry in the general ledger. It generates records in the Accounting Entry entity.
Source Entity ID	Yes	Option set	The ID of the entity referenced by the accounting systems.
Generate New Contract Version	No	Bool	This checkbox allows you to specify if a new contract version should be generated by this transaction type.
Commission Type	No	Lookup	The transaction type for which this transaction type is applicable.

You can also edit the information in the Transaction Value Types, Transaction Item Accounting Configurations and Transaction Accounting Models sections. Read more details about Transaction Types in the Operational Ledger User Guide.

Click the Save and Close button at the top right corner of the page.

The History tab displays the versions of the banking product, their workflow status and the user who modified the product.

Here you can track the product's life cycle and review older versions that are no longer active (for details, see Banking Products' Life Cycle).

In the Banking Product GL Accounts section, you can set specific accounts to be used by the Operational Ledger system for transactions performed on contracts based on this banking product. Thus, you can overwrite the generic settings of the Operational Ledger, instructing it to use the accounts specified at banking product level.

To add specific accounts to be used by Operational Ledger, click Insert and fill in the following fields in the displayed Add Banking Product GL Account page:

Field	Required	Data Type	Description
Product	Yes	Option set	Select from the list the banking product. Automatically completed with the banking product you are currently editing.
Accounting System	Yes	Option set	Select from the list the desired accounting system. The list contains the records created in the FTOS_GL_AccountingSystem entity.
Accounting Scope	Yes	Option set	Select from the list the corresponding accounting scope. The list contains the records created in the FTOS_GL_AccountingScope entity.
Item	No	Option set	Select from the list the corresponding transaction item. The list contains the records created in the FTOS_GL_TransactionItemAccountingConfig entity.
GL Account	Yes	Option set	Select from the list the corresponding GL account. The list is filtered based on the previously selected accounting system. It contains the accounts defined in the FTOS_GL_AccountingChart entity that were added to the chosen accounting system record.

Click the Save and Reload button at the top right corner of the page.