OFSAA - Oracle Flexcube Universal Banking

Interface
User Manual
8.0.0.0.0

Page i

Table of Contents

TABLE OF CONTENTS
PREFACE ........................................................................................................................................................ 4
Audience ..................................................................................................................................................................... 4
Prerequisites ............................................................................................................................................................... 4
Related Information Sources ....................................................................................................................................... 4
Acronyms .................................................................................................................................................................... 4

INTRODUCTION TO FCUBS TO OFSAA INTERFACE .................................................................................. 6

1.1

Overview of DIH Interface .......................................................................................................................... 6

1.2

Data flow ....................................................................................................................................................7

1.3

Integration Scope in Oracle FLEXCUBE Universal Banking System ......................................................... 7

1.4

Extraction process for tables of Flexcube module ...................................................................................... 8

1.5

Data Transfer from FCUBS to OFSAA .......................................................................................................9

1.6

List of Flexcube modules ........................................................................................................................... 9

FLEXCUBE- OFSAA INTERFACE ARCHITECTURE .................................................................................... 11

CASA MODULE .................................................................................................................................... 12

3.1

CONSUMER LENDING (CL) MODULE ....................................................................................................... 14

4.1

List of GL tables ....................................................................................................................................... 23

MONEY MARKETING (MM) MODULE ....................................................................................................... 25

9.1

10

List of FX tables ....................................................................................................................................... 22

GENERAL LEDGER (GL) MODULE .......................................................................................................... 23

8.1

List of ELCM tables .................................................................................................................................. 20

FOREIGN EXCHANGE (FX) MODULE ........................................................................................................ 22

7.1

List of CORE tables.................................................................................................................................. 16

ENTERPRISE LIMITS AND COLLATERAL M ANAGEMENT (ELCM) MODULE ................................................. 20

6.1

List of CL tables ....................................................................................................................................... 14

CORE MODULE .................................................................................................................................... 16

5.1

List of CASA tables .................................................................................................................................. 12

List of MM tables ...................................................................................................................................... 25

TERM DEPOSIT (TD) MODULE ................................................................................................................ 27

10.1

List of TD tables ....................................................................................................................................... 27

Page ii

Table of Contents

11

LOGGING INTO FCUBS-OFSAA INTERFACE .......................................................................................... 28

Page iii

FCUBS- OFSAA Interface User Guide

Preface
Audience
Following are the intended audience for the DIH user guide:

ETL Developers: The ETL Developers from the IT Department of the financial services
institution, who do the data sourcing.

Business Analysts: The business analysts from the IT Department of the financial services
institution, who do the mapping of the tables.

Prerequisites

Data Integration Hub (DIH) should be installed

DIH plug-in to publish OFSAA-FCUBS interface

Oracle Data Integration environment for executing the interfaces

Related Information Sources

Along with this user manual, you can also refer to the following documents:
Data Integration Hub user guide
Oracle Flexcube UBS-OFSAA Integration guide

Acronyms
Acronym

Description

DIH

Data Integration Hub

UI

User Interface

ODI

Oracle Data Integrator

ADI

Application Data Interface

KM

Knowledge Module

SDI

Source Data Interface

Apps

Application

CASA

Current And Savings Account

CL

Consumer Lending

ELCM

Enterprise Limits and Collateral Management

FX

Foreign Exchange

Page 4

FCUBS- OFSAA Interface User Guide

Acronym

Description

GL

General Ledger

MM

Money Marketing

TD

Term Deposit

FIS

FLEXCUBE Information Server

EOFI

End of Financial Input

Page 5

FCUBS- OFSAA Interface User Guide

Introduction to FCUBS to OFSAA Interface

1 .1

Overview of DIH Interface

Data Integration Hub (DIH) enables to load the data from the source systems to the OFSAA
staging tables, through logical interfaces, known as Application Data Interfaces (ADI). DIH
provides a set of User Interfaces (UI), which is used to define and maintain Source Data
Interfaces (SDI), Application Data Interfaces, and also map the SDIs and ADIs through
Connectors. The mappings can be one to one, one to many, and many-to-many.
The source systems that supply data include, the core banking systems, rating systems,
modeling systems, and so on. In the absence of DIH, the data from the source systems are
extracted, transformed, and loaded (ETL process) to the physical tables in Oracle Data Integrator
(ODI). With DIH, the ETL activity is not replaced; but DIH serves as an abstract, logical layer to
the physical tables in Oracle Data Integrator (ODI).
Oracle Financial Services Analytical applications(OFSAA) enables financial institutions to
measure and meet risk-adjusted performance objectives, cultivate a risk management culture,
lower the costs of compliance and regulation, and improve customer insight.
Oracle FLEXCUBE Universal Banking (FCUBS) supports the changing landscape of retail,
corporate, and investment banking needs with strong transaction banking and Islamic banking
capabilities.
The current FCUBS-OFSAA interfaces, transfers all key data elements across various modules
within FCUBS to OFSAA Common Staging Area (CSA).
The integration between the Oracle FCUBS and the OFSAA enables the financial institutions to:

get insight to customer patterns based on the data captured in core banking

achieve end-to-end improvement in business delivery

achieve effective performance and risk free management using the available customer
data

This integration is achieved by handing off FCUBS core banking data with OFSAA through
FLEXCUBE Information Server (FIS) and DIH.

Page 6

FCUBS- OFSAA Interface User Guide

1 .2

Data flow

The procedures are packaged within FCUBS which populates data from various tables in FCUBS
to several landing area tables after execution. Essentially a 1:1 mapping is done between the
landing area table (SDI) and OFSAA staging area table (ADI). Most of the calculations and
transformations are done within these extraction routines. The DIH connector pulls data from the
landing tables and populates the same in the staging area tables.

1 .3

Integration Scope in Oracle FLEXCUBE Universal Banking System

The following integration activities take place in Oracle FLEXCUBE Universal Banking System.
Module
Core Entities

Hand off Details

Customer address, phone numbers, and email IDs
Customer education and employment details
Customer marital status
Customer relationship details
Details of organizations that are the customers
Exchange rate information
Details of all geographical locations and transaction
channels of the bank
Details of the loan product category and list of all
products

Page 7

FCUBS- OFSAA Interface User Guide

Current Account and Savings Account

All the personal and business addresses, email IDs and

phone numbers associated with an account
List of branch transactions
CASA account ledger and transactions on OD accounts
Interest rates of CASA and OD accounts

Consumer Lending

All the personal and business addresses, email IDs and

phone numbers associated with an account
Loan contract transactions details
Repayment schedules of contracts like loan, mortgages,
OD and credit cards

Term Deposit

Term deposit product processor and term deposit ledger

table details

Enterprise

Limits

Management

and

Collateral

Details of the collaterals submitted by the customer for

various loan contracts
Customer credit line details
Market value and original value of the collaterals

General Ledger

GL book parameters and the list of GL items available in

FCUBS
GL balance of the customer
Interbank correspondent transactions of a customer

Foreign Exchange

Forex account transaction data of a customer

Foreign exchange contracts of a customer
Exchange rates between two currencies

Money Marketing

Borrowing records of the customer

Money market transaction data

1 .4

Extraction process for tables of Flexcube module

FIS is used as the gateway in the FCUBS - OFSAA integration. FCUBS internally uses FIS
framework components to extract data and stores the data in the staging tables of FCUBS.
During End of Financial Input (EOFI) batch, the module wise data in FIS are extracted to staging
tables in FCUBS. FCUBS provides a control table to indicate successful data extraction. OFSAA
pulls the data from the tables in FCUBS using the DIH connector. If source and target systems
are in the same database, then data from source staging table are transformed and loaded to fact
and dimension tables in target system using synonyms. If the source and target systems are in
different database, then data from source staging table are loaded to target staging table using

Page 8

FCUBS- OFSAA Interface User Guide

transportable table spaces. The transfer or extraction of data from FCUBS to OFSAA differs
based on the staging tables as follows:

Master table - Incremental data between two extraction dates are transferred.

Maintenances and contract tables - Entire transaction data are transferred in each
extraction.

Transaction table - Data related to the transactions created on the extraction date are
transferred.

1 .5

Data Transfer from FCUBS to OFSAA

The core banking data in Oracle FCUBS are transferred to OFSAA using FIS. The data in
FCUBS staging tables are mapped to FIS staging table. During end of day, the core banking data
are sent to FIS. OFSAA then picks the data from FIS through DIH.
For details on data transfer from FCUBS to OFSAA, refer to the attached sheet
FCUBS_OFSAA_Data_Transfer_Details.xls.
The attached sheet has the following details:
Source System
Target System
Data Transferred
Source System Module
FCUBS Staging Table Name
Extraction Package Name
Target System Table Name
Extraction Routine
Data Included in the Extraction

FCUBS_OFSAA_Data
_Transfer_Details.xls

1 .6

List of Flexcube modules

The modules used in Flexcube are as follows:
CASA
CL
CORE
ELCM

Page 9

FCUBS- OFSAA Interface User Guide

FX
GL
MM
TD

Page 10

FCUBS- OFSAA Interface User Guide

Flexcube- OFSAA Interface Architecture

In this data flow environment diagram, the data is extracted from FCUBS to the FCUBS landing
zone. This data, with the help of DIH Connectors, is loaded to DIH ADI which in turn is mapped to
the OFSAA Staging table.

Page 11

FCUBS- OFSAA Interface User Guide

CASA Module
Currents and Savings Account (CASA) is an attempt to combine savings and checking accounts
to entice customers to keep their money in the banks. It is more prominent in Middle and
Southeast Asia.

3 .1

List of CASA tables

For Connector: Con_Flx_Cust_Acct_Casa

The ADI is: Customer Account

ADI Subtype: CASA Contracts
The SDI is: AATB_CASA

For Connector: Con_Flx_Cust_Acct_OD

The ADI is Customer Account

ADI Subtype: OD Accounts
SDI is: AATB_OD_ACCTS

For Connector: Con_Flx_Branch_Transactions

The ADI is Branch Transactions

ADI Subtype: SDI is: AATB_SRC_BRANCH_TXNS

For Connector: Con_Flx_Cust_Acct_Casa_Txn

The ADI is Customer Account Transaction

ADI Subtype: CASA Transaction
SDI is: AATB_CASA_TXNS

For Connector: Con_Flx_Cust_Acct_OD_Txn

The ADI is Customer Account Transaction

ADI Subtype: Over Draft Accounts Transactions
SDI is: AATB_OD_ACCTS_TXNS

For Connector: Con_Flx_Account_Address

The ADI is Account Address

Page 12

FCUBS- OFSAA Interface User Guide

SDI is: AATB_ACCT_ADDRESS

For Connector: Con_Flx_Account_Email_Address

The ADI is Account Email Address

SDI is: AATB_STG_ACCOUNT_EMAIL_ADDR

For Connector: Con_Flx_Account_Phone

The ADI is Account Phone

SDI is: AATB_ACCT_PHONE

For Connector: Con_Flx_Account_Status_Master

The ADI is Account Status Master

SDI is: AATB_ACCT_STATUS_MAST

For the above connectors, refer the attached excel sheet for FCUBS Column name and the Target
Logical Name:

CASA.xls

Page 13

FCUBS- OFSAA Interface User Guide

Consumer Lending (CL) Module

Consumer Lending is an amount of money lent to an individual (usually on a non-secured basis)
for personal purpose. Consumer loans are monitored by government regulatory agencies for
their compliance with

4 .1

consumer protection regulations such

as

the Truth

in

Lending Act.

List of CL tables

For Connector: Con_Flx_Cust_Acct_Loan

The ADI is Customer Account

ADI Subtype: Loan Contracts
SDI is: AATB_LOAN_CONTRACTS

For Connector: Con_Flx_Cust_Acct_Loan_Txn

The ADI is Customer Account Transaction

ADI Subtype: Loan Contracts Transactions
SDI is: AATB_LOAN_CONTRACT_TXNS

For Connector: Con_Flx_Payment_Schedule

The ADI is Payment Schedule

ADI Subtype: SDI is: AATB_PAYMENT_SCHEDULE

For Connector: Con_Flx_Account_Address

The ADI is Account Address

ADI Subtype: SDI is: AATB_ACCT_ADDRESS

For Connector: Con_Flx_Account_Email_Address

The ADI is Account Email Address

ADI Subtype: SDI is: AATB_STG_ACCOUNT_EMAIL_ADDR

For Connector: Con_Flx_Account_Phone

The ADI is Account Phone

Page 14

FCUBS- OFSAA Interface User Guide

ADI Subtype: SDI is: AATB_ACCT_PHONE

For Connector: Con_Flx_Account_Status_Master

The ADI is Account Status Master

ADI Subtype: SDI is: AATB_ACCT_STATUS_MAST

For the above connector, refer the attached excel sheet for FCUBS Column name and the Target Logical
Name:

CL.xls

Page 15

FCUBS- OFSAA Interface User Guide

CORE Module

5 .1

List of CORE tables

For Connector: Con_Flx_Branch_Master

The ADI is Branch Master

ADI Subtype: SDI is: AATB_BRANCH_MAST

For Connector: Con_Flx_Contact_Master

The ADI is Contact Master

ADI Subtype: SDI is: AATB_CONTACT_MAST

For Connector: Con_Flx_Country_Master

The ADI is Country Master

ADI Subtype: SDI is: AATB_COUNTRY_MAST

For Connector: Con_Flx_Cust_Address

The ADI is Customer Address

ADI Subtype: SDI is: AATB_CUST_ADDRESS

For Connector: Con_Flx_Cust_Class_Mast

The ADI is Customer Classification Master

ADI Subtype: SDI is: AATB_CUST_CLSFCTN

For Connector: Con_Flx_Cust_Country_Relation

The ADI is Customer Country Relation

ADI Subtype: SDI is: Customer Country Relation

Page 16

FCUBS- OFSAA Interface User Guide

For Connector: Con_Flx_Cust_Details

The ADI is Customer Details

ADI Subtype: SDI is: AATB_CUST_DETAILS

For Connector: Con_Flx_Cust_Education_Master

The ADI is Customer Education Master

ADI Subtype: SDI is: AATB_CUST_EDUCATION

For Connector: Con_Flx_Cust_Email_Address

The ADI is Customer Email Address

ADI Subtype: SDI is: AATB_CUST_EMAIL_ADD

For Connector: Con_Flx_Cust_Emp_Type_Mast

The ADI is Customer Employment Type Master

ADI Subtype: SDI is: AATB_CUST_EMPLOYMENT

For Connector: Con_Flx_Cust_Identi_Doc

The ADI is Customer Identification Document

ADI Subtype: SDI is: AATB_CUSTID_DOC

For Connector: Con_Flx_Cust_Master

The ADI is Customer Master

ADI Subtype: SDI is: AATB_CUST_MAST

For Connector: Con_Flx_Cust_Phone

The ADI is Customer Phone

ADI Subtype: -

Page 17

FCUBS- OFSAA Interface User Guide

SDI is: AATB_CUST_PHONE

For Connector: Con_Flx_Cust_Relationships

The ADI is Customer Relationships

ADI Subtype: SDI is: AATB_CUST_RLTNSP

For Connector: Con_Flx_Cust_To_Cust_Rel

The ADI is Customer To Customer Relationships

ADI Subtype: SDI is: AATB_CUST_CUST_RLTN

For Connector: Con_Flx_Cust_Type_Master

The ADI is Customer Type Master

ADI Subtype: SDI is: AATB_CUST_TYPE

For Connector: Con_Flx_Exchange_Rates

The ADI is Exchange Rates

ADI Subtype: SDI is: AATB_XCHNGE_RATE_HIST

For Connector: Con_Flx_Financial_Year_Master

The ADI is Financial Year Master

ADI Subtype: SDI is: AATB_FINYEAR_MAST

For Connector: Con_Flx_Geography_Master

The ADI is Geography Master

ADI Subtype: SDI is: AATB_GEOGRAPHY_MAST

For Connector: Con_Flx_Marital_Status_Master

Page 18

FCUBS- OFSAA Interface User Guide

The ADI is Marital Status Master
ADI Subtype: SDI is: AATB_MARITAL_STAT

For Connector: Con_Flx_Prod_Category_Master

The ADI is Product Category Master

ADI Subtype: SDI is: AATB_PROD_CATG_MAST

For Connector: Con_Flx_Prod_Master

The ADI is Product Master

ADI Subtype: SDI is: AATB_PRODUCT_MAST

For Connector: Con_Flx_Prod_Type_Master

The ADI is Product Type Master

ADI Subtype: SDI is: AATB_PRODTYPE_MAST

For Connector: Con_Flx_Transaction_Master

The ADI is Transaction Master

ADI Subtype: SDI is: AATB_TXN_MASTER

For the above connectors, refer the attached excel sheet for FCUBS Column name and the Target Logical
Name:

CORE.xls

Page 19

FCUBS- OFSAA Interface User Guide

Enterprise Limits and Collateral Management (ELCM) Module

Financial institutions face multiple challenges while assessing their exposure levels to customers,
entities, or industry sectors. Moreover, the usage of multiple product processors to manage lines
of businesses prevents financial institutions from gaining a consolidated view of their exposure.
Oracle FLEXCUBE ELCM integrates with the existing IT application landscape and offers you a
single source for managing online, real-time exposure across the enterprise. Its process-centric
architecture enables centralized collateral management, enterprise-wide limits definition, and
tracking for effective exposure management as well as resource utilization.

6 .1

List of ELCM tables

For Connector: Con_Flx_Account_Mitigant_Map

The ADI is Account Mitigant Map

ADI Subtype: SDI is: AATB_ACCT_MITIGANT_MAP

For Connector: Con_Flx_Collateral_Master

The ADI is Collateral Master

ADI Subtype: SDI is: AATB_COLLATERAL_MAST

For Connector: Con_Flx_Collaterals

The ADI is Collaterals

ADI Subtype: SDI is: AATB_STAGE_COLLATERAL

For Connector: Con_Flx_Cr_Facility_Details

The ADI is Credit Facility Details

ADI Subtype: SDI is: AATB_CR_LINE_DETAILS

For Connector: Con_Flx_Cr_Facility_Master

The ADI is Credit Facility Master

ADI Subtype: -

Page 20

FCUBS- OFSAA Interface User Guide

SDI is: AATB_CR_LINE_MAST

For Connector: Con_Flx_Cr_Facility_Type_Mast

The ADI is Credit Facility Type Master

ADI Subtype: SDI is: AATB_CR_LINE_TYPE_MAST

For Connector: Con_Flx_Mitigant_Issuer_Master

The ADI is Mitigant Issuer Master

ADI Subtype: SDI is: AATB_MIT_ISSUER_MAST

For Connector: Con_Flx_Mitigant_Master

The ADI is Mitigant Master

ADI Subtype: SDI is: AATB_MITIGANT_MAST

For Connector: Con_Flx_Mitigants

The ADI is Mitigants

ADI Subtype: SDI is: AATB_MITIGANTS

For the above connectors, refer the attached excel sheet for FCUBS Column name and the Target Logical
Name:

ELCM.xls

Page 21

FCUBS- OFSAA Interface User Guide

Foreign Exchange (FX) module

Foreign exchange, or Forex, is the conversion of one country's currency into that of another. In a
free economy, a country's currency is valued according to factors of supply and demand. In other
words, a currency's value can be pegged to another country's currency, such as the U.S. dollar,
or even to a basket of currencies. A country's currency value also may be fixed by the country's
government. However, most countries float their currencies freely against those of other
countries, which keep them in constant fluctuation.

7 .1

List of FX tables

For Connector: Con_Flx_Forward_Exch_Rates

The ADI is ADI Subtype: Borrowings

SDI is: AATB_FWD_EXCHG_RATES

For Connector: -

The ADI is Forex Account Transaction

ADI Subtype: SDI is: AATB_FOREX_TXNS
For the above connectors, refer the attached excel sheet for FCUBS Column name and the Target Logical
Name:

FX.xls

Page 22

FCUBS- OFSAA Interface User Guide

General Ledger (GL) Module

A general ledger is a complete record of financial transactions over the life of a company. The
ledger holds account information that is needed to prepare financial statements, and includes
accounts for assets, liabilities, owners' equity, revenues and expenses.

8 .1

List of GL tables

For Connector: Con_Flx_Accounting_Entries

The ADI is Accounting Entries

ADI Subtype: SDI is: AATB_ACCOUNTING_ENTRIES

For Connector: Con_Flx_General_Ledger_Data

The ADI is General Ledger Data

ADI Subtype: SDI is: AATB_GL_DATA

For Connector: Con_Flx_General_Ledger_Master

The ADI is General Ledger Master

ADI Subtype: SDI is: AATB_GL_MASTER

For Connector: Con_Flx_GL_Book_Master

The ADI is GL Book Master

ADI Subtype: SDI is: AATB_GL_BOOK_MAST

For Connector: -

The ADI is Interbank Transactions

ADI Subtype: SDI is: AATB_INTERBANK_TXNS

For the above connectors, refer the attached excel sheet for FCUBS Column name and the Target Logical
Name:

Page 23

FCUBS- OFSAA Interface User Guide

GL.xls

Page 24

FCUBS- OFSAA Interface User Guide

Money Marketing (MM) Module

MM is a segment of the financial market in which financial instruments with high liquidity and very
short maturities are traded. Money market securities consist of negotiable certificates of deposit,
bankers acceptances, U.S. Treasury bills, commercial paper, municipal notes, federal funds, and
repurchase agreements.

9 .1

List of MM tables

For Connector: Con_Flx_Cust_Acct_Borr

The ADI is Customer Account

ADI Subtype: Borrowings
SDI is: AATB_MM_BORROWINGS

For Connector: Con_Flx_Cust_Acct_Borr_Txns

The ADI is Customer Account Transaction

ADI Subtype: Borrowings Transaction
SDI is: AATB_BORROWINGS_TXNS

For Connector: Con_Flx_Cust_Acct_MM

The ADI is Customer Account

ADI Subtype: Money Market Contracts
SDI is: AATB_MM_CONTRACTS

For Connector: Con_Flx_Cust_Acct_MM_Txns

The ADI is Customer Account Transaction

ADI Subtype: Money Market Transactions
SDI is: AATB_MM_CONTRACTS_TXNS

For Connector: Con_Flx_Dealer_Master

The ADI is Dealer Master

ADI Subtype: SDI is: AATB_DEALER_MAST

For the above connectors, refer the attached excel sheet for FCUBS Column name and the Target Logical
Name:

Page 25

FCUBS- OFSAA Interface User Guide

MM.xls

Page 26

FCUBS- OFSAA Interface User Guide

10

Term Deposit (TD) Module

Term Deposit is a deposit held at a financial institution that has a fixed term. These are generally
short-term with maturities ranging anywhere from a month to a few years. When a term deposit is
purchased, the lender (the customer) understands that the money can only be withdrawn after the
term has ended or by giving a predetermined number of days notice.

1 0 .1

List of TD tables

For Connector: Con_Flx_Cust_Acct_TD

The ADI is Customer Account

ADI Subtype: Term Deposit
SDI is: AATB_TD_CONTRACTS

For Connector: Con_Flx_Cust_Acct_TD_Txn

The ADI is Customer Account Transaction

ADI Subtype: Term Deposits Transactions
SDI is: AATB_TERMDEPOSITS_TXNS

For the above connector, refer the attached excel sheet for FCUBS Column name and the Target Logical
Name:

TD.xls

Page 27

FCUBS- OFSAA Interface User Guide

11

Logging into FCUBS-OFSAA Interface

Access the FCUBS-OFSAA Interface using your login credentials (User ID and password). The
built-in security system ensures that you are permitted to access the window and actions based
on the authorization only.

After logging into the application, the following window appears:

Click the Data Integration Hub option in the Left Hand Side (LHS) of the menu. Click the Data
Mapping option on the LHS and select Connectors. The Connectors window appears in the
RHS.

Page 28

FCUBS- OFSAA Interface User Guide

The FCUBS-OFSAA interface is an out of box interactions achieved using scripts. For further
information on mapping between SDIs and ADIs, refer the Data Integrator Hub user guide.

Page 29

FCUBS- OFSAA Interface User Guide

Oracle Flexcube Universal Banking to Data Integration Hub connector User Manual

Release 8.0.0.0.0

Oracle Corporation

World Headquarters

500 Oracle Parkway

Redwood Shores, CA 94065

U.S.A.

Worldwide Inquiries:

Phone: +1.650.506.7000

Fax: +1.650.506.7200

www.oracle.com/ financial_services/

Copyright 2015 Oracle Financial Services Software Limited. All rights reserved.

No part of this work may be reproduced, stored in a retrieval system, adopted or transmitted in any form or by any means, electronic, mechanical,
photographic, graphic, optic recording or otherwise, translated in any language or computer language, without the prior written permission of Oracle
Financial Services Software Limited.

Due care has been taken to make this User Manual and accompanying software package as accurate as possible. However, Oracle Financial Services
Software Limited makes no representation or warranties with respect to the contents hereof and shall not be responsible for any loss or damage
caused to the user by the direct or indirect use of this User Manual and the accompanying Software System. Furthermore, Oracle Financial Services
Software Limited reserves the right to alter, modify or otherwise change in any manner the content hereof, without obligation of Oracle Financial
Services Software Limited to notify any person of such revision or changes.

All company and product names are trademarks of the respective companies with which they are associated.