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code set","properties":{"Code":{"description":"The four letter Mnemonic used within an XML file to identify a code","maxLength":4,"minLength":0,"pattern":"^\\w{0,4}$","title":"Code","type":"string"},"Description":{"description":"Description to describe the purpose of the code","maxLength":350,"minLength":1,"title":"Description","type":"string"},"Name":{"description":"Long name associated with the code","maxLength":70,"minLength":1,"title":"Name","type":"string"}},"required":["Name","Description"],"title":"OtherFeeRateType","type":"object"},"OtherFeeType":{"additionalProperties":false,"description":"Other Fee type which is not available in the standard code set","properties":{"Code":{"description":"The four letter Mnemonic used within an XML file to identify a code","maxLength":4,"minLength":0,"pattern":"^\\w{0,4}$","title":"Code","type":"string"},"Description":{"description":"Description to describe the purpose of the 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Capping can either be based on an amount (in gbp), an amount (in items) or a rate.","properties":{"CappingPeriod":{"description":"Period e.g. day, week, month etc. for which the fee/charge is capped","enum":["Day","Half Year","Month","Quarter","Week","AcademicTerm","Year"],"title":"CappingPeriod","type":"string"},"FeeCapAmount":{"description":"Cap amount charged for a fee/charge","pattern":"^(-?\\d{1,14}){1}(\\.\\d{1,4}){0,1}$","title":"FeeCapAmount","type":"string"},"FeeCapOccurrence":{"description":"Indicates whether the advertised overdraft rate is guaranteed to be offered to a borrower by the bank e.g. if it’s part of a government scheme, or whether the rate may vary dependent on the applicant’s circumstances.","format":"float","title":"FeeCapOccurrence","type":"number"},"FeeType":{"description":"Fee/charge type which is being capped","items":{"description":"Overdraft fee type","enum":["ArrangedOverdraft","AnnualReview","EmergencyBorrowing","BorrowingItem","OverdraftRenewal","OverdraftSetup","Surcharge","TempOverdraft","UnauthorisedBorrowing","UnauthorisedPaidTrans","Other","UnauthorisedUnpaidTrans"],"type":"string"},"minItems":1,"title":"FeeType","type":"array"},"MinMaxType":{"description":"Min Max type","enum":["Minimum","Maximum"],"title":"MinMaxType","type":"string"},"Notes":{"description":"Notes related to Overdraft fee charge cap","items":{"description":"maxLength 2000 text","maxLength":2000,"minLength":1,"type":"string"},"title":"Notes","type":"array"},"OtherFeeType":{"additionalProperties":false,"description":"Other fee type code which is not available in the standard code set","items":{"description":"Other fee type code which is not available in the standard code set","properties":{"Code":{"description":"The four letter Mnemonic used within an XML file to identify a code","maxLength":4,"minLength":0,"pattern":"^\\w{0,4}$","title":"Code","type":"string"},"Description":{"description":"Description to describe the purpose of the code","maxLength":350,"minLength":1,"title":"Description","type":"string"},"Name":{"description":"Long name associated with the code","maxLength":70,"minLength":1,"title":"Name","type":"string"}},"required":["Name","Description"],"type":"object"},"title":"OtherFeeType","type":"array"}},"required":["FeeType","MinMaxType"],"title":"OverdraftFeeChargeCap","type":"object"}},"required":["FeeType","ApplicationFrequency","CalculationFrequency"],"type":"object"},"minItems":1,"title":"OverdraftFeeChargeDetail","type":"array"}},"required":["OverdraftFeeChargeDetail"],"type":"object"},"title":"OverdraftFeesCharges","type":"array"},"OverdraftTierBand":{"additionalProperties":false,"description":"Provides overdraft details for a specific tier or band","items":{"description":"Provides overdraft details for a specific tier or band","properties":{"AgreementLengthMax":{"description":"Specifies the maximum length of a band for a fixed overdraft agreement","format":"float","title":"AgreementLengthMax","type":"number"},"AgreementLengthMin":{"description":"Specifies the minimum length of a band for a fixed overdraft agreement","format":"float","title":"AgreementLengthMin","type":"number"},"AgreementPeriod":{"description":"Specifies the period of a fixed length overdraft agreement","enum":["Day","Half Year","Month","Quarter","Week","AcademicTerm","Year"],"title":"AgreementPeriod","type":"string"},"BankGuaranteedIndicator":{"description":"Indicates whether the advertised overdraft rate is guaranteed to be offered to a borrower by the bank e.g. if it’s part of a government scheme, or whether the rate may vary dependent on the applicant’s circumstances.","title":"BankGuaranteedIndicator","type":"boolean"},"EAR":{"description":"EAR means Effective Annual Rate and/or Equivalent Annual Rate (frequently\nused interchangeably), being the actual annual interest rate of an Overdraft.","pattern":"^(-?\\d{1,3}){1}(\\.\\d{1,4}){0,1}$","title":"EAR","type":"string"},"Identification":{"description":"Unique and unambiguous identification of a  Tier Band for a overdraft.","maxLength":35,"minLength":1,"title":"Identification","type":"string"},"Notes":{"description":"Optional additional notes to supplement the Tier/band details","items":{"description":"maxLength 2000 text","maxLength":2000,"minLength":1,"type":"string"},"title":"Notes","type":"array"},"OverdraftFeesCharges":{"additionalProperties":false,"description":"Overdraft fees and charges","items":{"description":"Overdraft fees and charges","properties":{"OverdraftFeeChargeCap":{"additionalProperties":false,"description":"Details about any caps (maximum charges) that apply to a particular fee/charge. Capping can either be based on an amount (in gbp), an amount (in items) or a rate.","items":{"description":"Details about any caps (maximum charges) that apply to a particular fee/charge. 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It can be:\n'Whole'  Where the same charge/rate is applied to the entirety of the overdraft balance (where charges are applicable). \n'Tiered' Where different charges/rates are applied dependent on overdraft maximum and minimum balance amount tiers defined by the lending financial organisation\n'Banded' Where different charges/rates are applied dependent on overdraft maximum and minimum balance amount bands defined by a government organisation.","enum":["Banded","Tiered","Whole"],"title":"TierBandMethod","type":"string"}},"required":["TierBandMethod","OverdraftTierBand"],"type":"object"},"minItems":1,"title":"OverdraftTierBandSet","type":"array"},"TcsAndCsURL":{"description":"URL provided by the financial institution which redirects to the BCA Overdraft T&Cs on an external website","maxLength":500,"minLength":1,"title":"TcsAndCsURL","type":"string"}},"required":["OverdraftTierBandSet"],"title":"Overdraft","type":"object"},"PredecessorID":{"description":"Identifies the marketing state that precedes this marketing state","maxLength":35,"minLength":1,"title":"PredecessorID","type":"string"},"StateTenureLength":{"description":"The length/duration of a promotional state","format":"float","title":"StateTenureLength","type":"number"},"StateTenurePeriod":{"description":"The unit of period (days, weeks, months etc.) of the promotional length","enum":["Day","Half Year","Month","Quarter","Week","AcademicTerm","Year"],"title":"StateTenurePeriod","type":"string"}},"required":["Identification","MarketingState","OtherFeesCharges"],"type":"object"},"minItems":1,"title":"BCAMarketingState","type":"array"},"FeeFreeLength":{"description":"The length/duration of the fee free period","format":"float","title":"FeeFreeLength","type":"number"},"FeeFreeLengthPeriod":{"description":"The unit of period (days, weeks, months etc.) of the promotional length","enum":["Day","Half Year","Month","Quarter","Week","AcademicTerm","Year"],"title":"FeeFreeLengthPeriod","type":"string"},"Identification":{"description":"The unique ID that has been internally assigned by the financial institution to each of the current account banking products they market to their retail and/or small to medium enterprise (SME) customers.","maxLength":35,"minLength":1,"title":"Identification","type":"string"},"Name":{"description":"The name of the BCA product used for marketing purposes from a customer perspective. 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Market segmentation enables companies to target different categories of consumers who perceive the full value of certain products and services differently from one another.\n\nRead more: Market Segmentation http://www.investopedia.com/terms/m/marketsegmentation.asp#ixzz4gfEEalTd \nFollow us: Investopedia on Facebook\n\nWith respect to BCA products, they are segmented in relation to different markets that they wish to focus on.","items":{"description":"Market segmentation is a marketing term referring to the aggregating of prospective buyers into groups, or segments, that have common needs and respond similarly to a marketing action. 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