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[{"$nulls":8},"Legend"]
[{"$nulls":8},"Material data fields to be reported from 31 December 2014"]
[{"$nulls":8},"Non-material data fields to be reported from 30 June 2015"]
[null,"REPORTING TEMPLATE SPECIFICATION FOR REPO-ELIGIBLE SECURITIES",{"$nulls":6},"See http://www.rba.gov.au/securitisations/ for more information."]
[]
[null,"Residential Mortgage Backed Securities"]
[null,"Loan Level Data"]
[]
[null,"Version 2.0 (July 2014)"]
[]
[null,"GUIDANCE NOTES"]
[null,"•  Entries should comply with the data formats specified for the relevant field."]
[null,"•  When data are not available for a particular field, refer to the \"No Data\" template to record an appropriate response. Data fields should not be left blank under any circumstances."]
[null,"•  For fields with a 'Dynamic' reporting frequency, related data should be as at the most recent report date."]
[null,"•  For fields with a 'Static' reporting frequency, related data should be as at origination. However, if updated information for these fields is available, these data should be recorded."]
[null,"•  Issuers are expected to adhere to the definitions and guidance notes provided in the data template."]
[null,"• This template is to be completed for each loan in the trust."]
[null,"• Data on any loans that have exited the trust (e.g. been redeemed), must be reported for the reporting period in which they have exited."]
[null,"Field Code","Category","Original Field Name","Revised Field Name","Reporting\nFrequency","Original Description","Revised Description","Data Type","Data Format","Guidance Notes"]
[null,"RL001","General","Report Date","Collateral Date ","Dynamic","As at date of the data. Should correspond with the last day of the collection period for post-issuance reporting.","Date as at which the loan- and/or pool-level data speaks in the current reporting period.","Date","dd-mm-yyyy"]
[null,"RL002","General","Transaction ID","Deal ID","Static","Unique numeric identifier of the transaction assigned by the Trust Manager.",null,"Numeric",12345,"Should match the Deal ID in field RT002 of the Transaction Level Reporting Template."]
[null,"RL003","General","Master Trust Name","Master Trust Name or SPV","Static","Full name of the master trust for the transaction.","Full legal name of the Master Trust. If the deal is associated with a Master trust or is formed as a standalone trust then please enter the name of the trust (for 'Medallion 2008-2', enter 'Medallion'). For a corporation please enter the full legal name of the corporation (e.g. Alta Vista Pty. Ltd.) ","Text","N/A","For transactions structured under a master trust arrangement. Enter ND5 (ie N/A) if a master trust structure is not applicable to this transaction.",{"$nulls":5},250]
[null,"RL004","General","Series Trust Name","Series Trust Name or Series","Static","Full name of the series trust for the transaction.","Full legal name of the special-purpose vehicle. If the deal is associated with a Master Trust, or represents a standalone trust then please enter the series identifier (for 'Medallion 2008-2', enter '2008-2'). For a corporation enter 'special-purpose vehicle' as the value.","Text","N/A","May also be known as the transaction name."]
[null,"RL005","Loan Characteristics","Servicer","Servicer Name","Dynamic","Full legal name of the entity responsible for the collection of principal and interest on the mortgage loan, and distributing those funds to the Trustee.","Full legal name of entity servicing the loan, with the authority to collect or direct the borrower’s payments.  The servicer must appear among the parties listed at the deal level.","Text","N/A","The Servicer is responsible for carrying out the functions involved in administering the assets (including arrears and default management). If non resident entity, list the full legal name of the entity followed by the applicable foreign jurisdiction."]
[null,"RL006","Loan Characteristics","ABN of Servicer","Servicer ABN","Dynamic","ABN of the entity responsible for the collection of principal and interest on the mortgage loan, and distributing those funds to the Trustee.",null,"Numeric",12345678901,"If non resident entity, list the applicable business serial number in the foreign jurisdiction."]
[null,"RL007","Loan Characteristics","Originator/Seller","Originator Name","Static","Full legal name of any entity that created the residential mortgage loan that will be included in the pool of mortgage loans for the transaction.","Full legal name of the entity which originated the loan.  The originator must appear among the parties listed at the deal level.","Text","N/A","If there are multiple entities, list the names separated by a semi-colon ';'. If non resident entity, list the full legal name of the entity followed by the applicable foreign jurisdiction."]
[null,"RL008","Loan Characteristics","ABN of Originator/Seller","Originator ABN","Static","ABN of any entity that created the residential mortgage loan that will be included in the pool of mortgage loans for the transaction.","The applicable Australian Business Number of the Issuing Trustee, if organised under the laws of Australia.","Numeric",12345678901,"If non resident entity, list the applicable business serial number in the foreign jurisdiction."]
[null,"RL009","Loan Characteristics","Group Loan ID ",null,"Static","Identifier of a mortgage loan contract assigned by the Servicer. This identifier is common to all split loans in the pool that are secured by the same properties. Must not include any personal details such as names, addresses or date of birth. If this loan is not is not part of a group of loans secured by the same property, enter ND5 (ie N/A) for this data field.","Unique identifier of a mortgage loan contract assigned by the Servicer. This identifier is common to all split loans in the pool that are secured by the same properties. Must not include any personal details such as names, addresses or date of birth.","Text","N/A","This identifier must not correspond to any sensitive identifiers such as actual account or customer number."]
[null,"RL010","Loan Characteristics","Loan ID",null,"Static","Unique identifier for a mortgage loan assigned by the Servicer. Must have a common Group Loan ID for each split loan that is secured by the same property. Must not include any personal details such as names, addresses or date of birth.",null,"Text","N/A","This identifier must not correspond to any sensitive identifiers such as actual account or customer number."]
[null,"RL011","Loan Characteristics","Approval Amount","Most Recent Approval Amount","Static","Total loan amount approved by the lender; including redraws and further advances. ",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL012","Loan Characteristics","Current Balance",null,"Dynamic","The outstanding amount of the loan as at the Report Date. The current loan balance is the sum of the outstanding amount on the loan as at the report date, unpaid and due principal, interest, any penalty interest and all other fees and costs charged to the loan balance.","The outstanding amount of the loan, as at the Collateral Date. The Current Balance is the sum of the outstanding amount on the loan, unpaid and due principal, interest, any penalty interest and all other fees and costs charged to the loan balance.\n","Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL013","Loan Characteristics","Scheduled Balance",null,"Dynamic","The expected principal balance of the loan, assuming the borrower has made the minimum required payments each time they are due (i.e. the loan is not in arrears or ahead of schedule).",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL014","Loan Characteristics","Loan Guarantee",null,"Static","Is the loan guaranteed?","Flag indicating whether the loan is guaranteed. True/False.","Text","True/False"]
[null,"RL015","Loan Characteristics","Redraw Feature",null,"Static","Does the loan have a redraw feature?","Flag indicating whether the loan has a redraw feature. True/False.","Text","True/False"]
[null,"RL016","Loan Characteristics","Available Redraw",null,"Dynamic","The amount available to be redrawn through the loan’s redraw feature without further approval, credit assessment, property valuations etc. If there is no redraw feature for this loan, then enter ND5 (ie N/A) for this data field.",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL017","Loan Characteristics","Offset Account",null,"Dynamic","Is there an offset account associated with the loan?","Flag indicating whether there is an offset account associated with the loan. True/False.","Text","True/False"]
[null,"RL018","Loan Characteristics","Offset Account Balance",null,"Dynamic","The balance of any offset account associated with this loan. If there is no offset account for this loan, then enter ND5 (ie N/A) for this data field.",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL019","Loan Characteristics","Scheduled Payment Policy",null,"Dynamic","How does the borrower’s scheduled payment change in response to a change in the mortgage’s reference interest rate? Choose one of:\n1 - Scheduled payment changes with principal component fixed\n2 - Scheduled payment fixed with principal component changed\n3 - Other",null,"Numeric",1]
[null,"RL020","Loan Characteristics","Conforming Mortgage",null,"Static","Does the loan conform to the underwriting standards of the mortgage insurer(s) used by the lender?","Does the loan conform to the underwriting standards of the mortgage insurer(s) used by the lender?  Includes loans that are currently not insured but insurable under the elgiblity criteria defined by a publically rated LMI provider providing cover to (or alterantively attesting to the quality of) this pool. True/False.","Text","True/False"]
[null,"RL021","Loan Characteristics","LMI Underwriting Type",null,"Static","How was underwriting for LMI undertaken? Choose one from:\n1 - Direct underwriting by LMI\n2 - Delegated underwriting authority\n3 - Group (pool) insurance policy\n4 - Any combination of 1,2 or 3 above\n5 - No LMI coverage","How was underwriting for LMI undertaken? The process by which LMI cover was underwriten on the loan. Choose one from:\n1 - Direct underwriting by LMI\n2 - Delegated underwriting authority\n3 - Group (pool) insurance policy\n4 - Any combination of 1,2 or 3 above\n5 - No LMI coverage\n","Numeric",1]
[null,"RL022","Loan Characteristics","Settlement Date","Origination Date / Settlement Date ","Static","The date on which loan funds were originally provided by the lender to the borrower?","Date on which funds were originally provided to the borrower.","Date","dd-mm-yyyy","In the template reported to permitted users, the date should be reported as the calendar year quarter within which the exact date falls. The data format to be used is Qn-yyyy, where n is the quarter number 1, 2, 3 or 4. For example, if the date is 23/2/2011, report Q1 2011. The exact date should be reported to the RBA."]
[null,"RL023","Loan Characteristics","Loan Purpose",null,"Static","The primary reason the borrower obtained the loan \n1 - Purchase - Existing dwelling\n2 - Purchase - New dwelling\n3 - Purchase - Other\n4 - Construction\n5 - Further Advance \n6 - Refinance\n7 - Other",null,"Numeric",1]
[null,"RL024","Loan Characteristics","Loan Origination Channel",null,"Static","Origination channel for the loan: \n1 - Non-broker\n2 - Broker","The channel through which the loan was originated. Origination channel for the loan: \n1 - Non-broker\n2 - Broker","Numeric",1]
[null,"RL025","Loan Characteristics","Loan Term",null,"Static","The number of months from the Settlement Date to the legal Maturity Date of the loan.",null,"Numeric",123.45,"In the template reported to permitted users, this should be expressed as a number of quarters, equal to the difference between the quarter in which the maturity date falls and the quarter in which the settlement date falls. For example, if the legal Settlement Date occurs in Q3 2010 and the legal Maturity Date occurs in Q4 2015, then the Loan Term is 21 quarters. The exact number of months should be reported to the RBA."]
[null,"RL026","Loan Characteristics","Remaining Term",null,"Dynamic","The number of months from the Report Date to the legal Maturity Date of a loan.","Number of months from the Report Date to the Maturity Date of the loan.","Numeric",123.45,"In the template reported to permitted users, this should be expressed as a number of quarters, equal to the difference between the quarter in which the maturity date falls and the quarter in which the report date falls. For example, if the Report Date occurs in Q3 2010 and the legal Maturity Date occurs in Q4 2015, then the Remaining Term is 21 quarters. The exact number of months should be reported to the RBA."]
[null,"RL027","Loan Characteristics","Seasoning",null,"Dynamic","The number of months from the Settlement Date to the Report Date for a loan.","Number of months from the Settlement Date of the loan to the Report Date.\n","Numeric",123.45,"In the template reported to permitted users, this should be expressed as a number of quarters, equal to the difference between the quarter in which the report date falls and the quarter in which the settlement date falls. For example, if the Settlement Date occurs in Q3 2010 and the Report Date occurs in Q4 2015, then the Seasoning is 21 quarters. The exact number of months should be reported to the RBA."]
[null,"RL028","Loan Characteristics","Maturity Date",null,"Static","The date on which the loan must be fully repaid.",null,"Date","dd-mm-yyyy","In the template reported to permitted users, the date should be reported as the calendar year quarter within which the exact date falls. The data format to be used is Qn-yyyy, where n is the quarter number 1, 2, 3 or 4. For example, if the date is 23/2/2011, report Q1 2011. The exact date should be reported to the RBA."]
[null,"RL029","Loan Characteristics","Loan Securitised Date",null,"Static","Date which account entered into the securitised pool.","Date on which the loan was transferred to the special-purpose vehicle, regardless of whether the loan had been part of a predecessor securitisation such as a warehouse facility.","Date","dd-mm-yyyy"]
[null,"RL030","Loan Characteristics","Original LTV",null,"Static","The ratio of the Approval Amount of the loan to the sum of the Original Property Values of all the properties used as security for the loan.","The ratio of the Original Approval Amount of the loan to the sum of the Original Property Values of all the properties used as security for the loan. ","Numeric",12.3456,"Consolidated for all split / linked loans that are secured by common properties (i.e. total Approval Amount / total Security Valuations) as at the latest approval."]
[null,"RL031","Loan Characteristics","Current LTV",null,"Dynamic","The ratio of the Current Balance to the sum of the most recent Property Values of all the properties used as security for the loan.","The ratio of the Current Balance to the sum of the most recent Property Values of all the properties used as security for the loan. \n","Numeric",12.3456,"Consolidated for all split / linked loans that are secured by common security properties. If the most recent valuation is the Original Property Value, use this for calculating this field. If a more recent valuation exists, it is a requirement that this value is used to calculate this field."]
[null,"RL032","Loan Characteristics","Scheduled LTV",null,"Dynamic","The ratio of the Scheduled Balance to the sum of the Property Values of all the properties used as security for the loan.","The ratio of the Scheduled Balance to the sum of the Property Values of all the properties used as security for the loan. ","Numeric",12.3456,"Consolidated for all split / linked loans that are secured by common security properties. If the most recent valuation is the Original Property Value, use this for calculating this field. If a more recent valuation exists, it is a requirement that this value is used to calculate this field."]
[null,"RL033","Loan Characteristics","Loan Documentation Type",null,"Static","The level of income and savings verification undertaken by the lender in respect of the primary borrower when applying for the loan. Choose one of:\n1 - Full Documentation\n2 - Low Documentation\n3 - Alternative documentation\n3 - No Documentation",null,"Numeric",1,"1. Full documentation – any loan where the borrower’s income and employment have been formally verified.\n2. Low documentation – any loan where the borrower provides minimal proof of income. Minimal proof of income requires borrowers to self-certify their income and, where applicable, lenders to confirm self employment status. \n3. Alternative documentation - any loan where the borrower has provided alternative documentation.\n3. No doc – any loan where the borrower provides no proof of income."]
[null,"RL034","Loan Characteristics","Loan Type",null,"Dynamic","The type of payment features the loan had on collateral Date. This describes the amortisation profile of the loan (i.e. the way in which the principal of the mortgage loan will reduce over time). \nPrincipal payment type:\n1 - Principal & Interest\n2 - Interest-only period followed by bullet repayment\n3 - Interest-only period followed by P&I amortisation\n4 - Line of Credit - Interest Only\n5 - Line of Credit - Amortising\n6 - Other",null,"Numeric",1]
[null,"RL035","Loan Characteristics","Scheduled Payment","Scheduled Minimum Payment","Dynamic","The minimum required payment by the borrower on each loan repayment date in accordance with the Payment Frequency (below).",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL036","Loan Characteristics","Payment Frequency",null,"Static","Frequency between loan payments:\n1 - Daily\n2 - Every second business day\n3 - Weekly\n4 - Fortnightly\n5 - Monthly\n6 - Quarterly\n7 - Semi-annually\n8 - Annually\n9 - Bullet\n10 - Other","Frequency of scheduled loan payments:\n1 - Daily\n2 - Every second business day\n3 - Weekly\n4 - Fortnightly\n5 - Monthly\n6 - Quarterly\n7 - Semi-annually\n8 - Annually\n9 - Bullet\n10 - Other","Numeric",1]
[null,"RL037","Loan Characteristics","Mortgage Insurer","LMI Provider Name","Static","The lenders' mortgage insurance provider which protects the lender against loss should the borrower default on the loan.\n1 - (No primary insurance)\n2 - AGC\n3 - CGU Lenders Mortgage Insurance\n4 - Colonial\n5 - GE Mortgage Insurance Co. Pty. Ltd\n6 - GE Mortgage Insurance Co. Pty. Ltd/HLIC\n7 - Genworth\n8 - MRM\n9 - PLMI\n10 - PRIME\n11 - QBE LMI\n12 - SGI\n13 - SGIA\n14 - Sunstate\n15 - The Mortgage Insurance Company Pty Ltd\n16 - VERO\n17 - VERO - REINSURANCE\n18 - Westpac LMI\n99 - Other","Full legal name of the LMI Provider providing LMI cover to the loan. \n1 - (No primary insurance)\n2 - AGC\n3 - CGU Lenders Mortgage Insurance\n4 - Colonial\n5 - GE Mortgage Insurance Co. Pty. Ltd\n6 - GE Mortgage Insurance Co. Pty. Ltd/HLIC\n7 - Genworth\n8 - MRM\n9 - PLMI\n10 - PRIME\n11 - QBE LMI\n12 - SGI\n13 - SGIA\n14 - Sunstate\n15 - The Mortgage Insurance Company Pty Ltd\n16 - VERO\n17 - VERO - REINSURANCE\n18 - Westpac LMI\n99 - Other","Numeric",12]
[null,"RL038","Loan Characteristics","Mortgage Insurance Attachment Point","LMI Attachment Point","Static","LTV percentage above which losses are insured.",null,"Numeric",12.3456,"Enter 0 for loans that have full LMI coverage and 100 for loans that have no LMI coverage."]
[null,"RL039","Loan Characteristics","Loan Currency Denomination ","Loan Currency","Static","The units of exchange in which collateral data is reported as specified in the currency codes published by the International Organisation for Standardisation (ISO 4217 codes).","The currency in which the loan on the collateral data is denominated, as at the Collateral Date [ISO 4217 code].","Text","ABC","For example, \"AUD\" for Australian dollar denominated loans."]
[null,"RL040","Loan Characteristics","Variable Loan Amount",null,"Dynamic","Current obligated amount which can be drawn under the variable loan by the borrower, if different to the scheduled balance. If it is the same as the scheduled balance, then enter the scheduled balance.\n","Current obligated amount which can be drawn under the variable loan by the borrower, if different to the scheduled balance. Otherwise enter the scheduled balance.","Numeric",{"v":123456.78,"d":"$123,456.78"},"Indicate the total amount which the borrower is entitled to draw on the loan without any additional review, underwriting or credit checks (i.e. The loan limit). This may require ongoing reporting"]
[null,"RL041","Interest Rate","Interest Rate Type",null,"Dynamic","Interest Rate Type:\n1. Variable rate loan set at lenders’ discretion for life of the loan\n2. Fixed rate loan with a default future switch to variable rate loan\n3. Fixed rate loan for life\n4. Fixed rate loan with future periodic resets\n5. Variable rate loan permanently benchmarked to another interest rate or index (excluding interest rate caps and floors)\n6. Variable rate loan temporarily benchmarked to another interest rate or index\n7. Other","Interest Rate Type:\n1. Variable rate loan set at lenders’ discretion for life of the loan\n2. Fixed rate loan with a default future switch to variable rate loan\n3. Fixed rate loan for life\n4. Fixed rate loan with future periodic resets\n5. Variable rate loan permanently benchmarked to another interest rate or index (excluding interest rate caps and floors)\n6. Variable rate loan temporarily benchmarked to another interest rate or index\n7. Other","Numeric",1,"An interest rate cap is an upper limit (ceiling) which the interest rate on the loan cannot exceed and is generally set by the originator. An interest rate floor is a lower bound (floor) which the interest rate on the loan cannot fall below and is generally set by the originator. A benchmark rate is a rate which the loan is explicitly referenced to, generally in the form of a fixed spread above (or below) the benchmark rate."]
[null,"RL042","Interest Rate","Current Interest Rate",null,"Dynamic","Current interest rate in % per annum.","Interest rate applied to loans that have a floating-rate interest rate type only. Current interest rate in % per annum.\n","Numeric",12.34]
[null,"RL043","Interest Rate","Reference Rate","Reference Index Value","Dynamic","Current rate on the loan reference rate (i.e. the 'benchmark interest rate or index' in RL041) in % per annum. Only applicable to loans were Interest Rate Type (RL041) is equal to 5 or 6. If the interest rate on the loan is not explicitly benchmarked to any particular rate (i.e. Interest Rate Type is NOT equal to 5 or 6 in RL041), enter ND5 (ie N/A) for this data field.","Current rate on the loan reference rate (i.e. the 'benchmark interest rate or index' in RL041) in % per annum. Only applicable to loans where Interest Rate Type (RL041) is equal to 5 or 6. If the interest rate on the loan is not explicitly benchmarked to any particular rate (i.e. Interest Rate Type is NOT equal to 5 or 6 in RL041), enter ND5 (ie N/A) for this data field.","Numeric",12.34]
[null,"RL044","Interest Rate","Current Interest Rate Margin","Interest Margin","Dynamic","Current interest rate margin (i.e. Interest Rate Type is equal to either 5 or 6 in RL041) measured as the margin over (or under if input as a negative) the relevant reference rate that is applicable in RL041 and RL043; measured in basis points. If the interest rate on the loan is not explicitly benchmarked to any particular rate (i.e. Interest Rate Type is NOT equal to 5 or 6 in RL041), enter ND5 (ie N/A) for this data field.","Margin to the reference index, where one is applicable. Current interest rate margin (i.e. Interest Rate Type is equal to either 5 or 6 in RL041) measured as the margin over (or under if input as a negative) the relevant reference rate that is applicable in RL041 and RL043; measured in basis points. If the interest rate on the loan is not explicitly benchmarked to any particular rate (i.e. Interest Rate Type is NOT equal to 5 or 6 in RL041), enter ND5 (ie N/A) for this data field.","Numeric",123.45]
[null,"RL045","Interest Rate","Interest Rate Reset Interval",null,"Static","The interval in months at which the interest rate is adjusted (Interest Rate Type is equal to either 5 or 6 in RL041). Enter ND5 (ie N/A) for this data field if Interest Rate Type is NOT equal to either 5 or 6 in RL041.","The interval  at which the interest rate is adjusted (Interest Rate Type is equal to either 5 or 6 in RL041). Enter ND5 (ie N/A) for this data field if Interest Rate Type is NOT equal to either 5 or 6 in RL041.\n1 - Daily\n2 - 2-6 days\n3 - Weekly\n4 - 8-13 days\n5 - Fortnightly\n6 - Monthly\n7 - Quarterly\n8 - Semi-annually\n9 - Annually\n10 - Less frequently than annually","Numeric",12]
[null,"RL046","Interest Rate","Restructuring Arrangement",null,"Dynamic","Has the loan been restructured?","Flag indicating whether the loan has been restructured. True/False","Text","True/False","A loan is deemed to have been restructured when the original contractual terms of the loan have been modified for reasons related to financial difficulties of the borrower. The underlying loan terms are contractually reduced or otherwise modified in a manner that would not be commercially available to other customers in good standing. Includes concessions of interest, principal or other payments due, a deferral of interest or principal payments or an extension of the maturity of the loan."]
[null,"RL047","Interest Rate","Interest Only Expiry Date",null,"Static","The date non-amortising loans (i.e. Loan Type is equal to 2,3 or 4 in RL034) revert to amortising loans. Enter ND5 (ie N/A) for this data field if Loan Type is NOT equal to 2,3 or 4 in RL034",null,"Date","dd-mm-yyyy","In the template reported to permitted users, the date should be reported as the calendar year quarter within which the exact date falls. The data format to be used is Qn-yyyy, where n is the quarter number 1, 2, 3 or 4. For example, if the date is 23/2/2011, report Q1 2011. The exact date should be reported to the RBA."]
[null,"RL048","Interest Rate","Fixed Rate Expiry Date","Current Rate Expiry Date","Static","The date on which the rate on the fixed rate loan (i.e. Interest Rate Type is equal to 2,3 or 4 on RL041) is reset or expires? Enter ND5 (ie N/A) if Interest Rate Type is NOT equal to 2,3 or 4 on RL041",null,"Date","dd-mm-yyyy","In the template reported to permitted users, the date should be reported as the calendar year quarter within which the exact date falls. The data format to be used is Qn-yyyy, where n is the quarter number 1, 2, 3 or 4. For example, if the date is 23/2/2011, report Q1 2011. The exact date should be reported to the RBA."]
[null,"RL049","Defaults, Losses \nand Claims","Account Status",null,"Dynamic","Current status of account using the arrears methodology outlined in Field RL095:\n1 - Performing \n2 - Arrears \n3 - Default \n4 - Foreclosure  \n5 - Redeemed \n6 - Repurchased by Seller (Mandatory)\n7 - Repurchased by Seller (Discretionary)",null,"Numeric",1,"1. Performing – any loan that is on or ahead of schedule according to the information provider's internal methodology. Excludes loans that fall into one of the below categories.\n2. Arrears – any loan that is behind schedule by up to 90 days based on the information provider's internal methodology and is not in default or foreclosure. \n3. Default – loans in default comprise impaired and past due; they do not include loans in foreclosure.\n(a) Impaired: A loan that is at least 90 days past due or otherwise doubtful, and is not well covered by collateral. The lender is expected to record a loss on this loan. See below for treatment of restructured loans.\n(b) Past due: Loan payments are at least 90 days past due, but the loan is well covered by collateral.\nA 'well-covered loan' is one where the current value of the collateral is judged sufficient to recover the outstanding principal and other previously unpaid amounts, and any estimated shortfall in all remaining payments due over the life of the loan. This includes any amounts arising over the period until collateral is obtained and settled (e.g. selling costs). Collateral includes secured interests in the underlying property and any other arrangements that protect against losses on the loan (e.g. lenders’ mortgage insurance).\n4. Foreclosure – any loan where the borrower has ceased to have an interest in the mortgaged property.  The lender has the ability to sell the collateral, is attempting to sell the collateral, or is settling the transfer of the collateral.\n5. Redeemed – indicates that the loan has been repaid in full, before or on maturity.\n6. Repurchased by Seller (Mandatory) - captures mandatory repurchases where the loan is purchased from the trust due to a mandatory condition outlined in the information memorandum (for example, but not limited to, a warranty or covenant repurchase).\n7. Repurchased by Seller (Discretionary) - captures discretionary repurchases where the loan is purchased from the trust for any other reason at the discretion of the seller.\n\nPartial days should be rounded up to the next whole day. For example, a loan that is 0.3 days behind schedule should be reported in the arrears category and a loan that is 89.1 days behind schedule should be classified as in default.\n\nTreatment of restructured loans:\nA restructured loan should be treated as impaired. It can be returned to non-impaired status if all of the following are met:\ni) Provisions on the loan have been adjusted to fully reflect the effect of any reduction in cash flows previously due under contracted terms;\nii) The borrower is expected to perform on the restructured terms;\niii) The restructured loan yields an effective rate of return equal to or greater than that which could be earned on new loans of similar risk, and any other restructured terms are similar to those applicable to new loans;\niv) The loan has been fully performing under the restructured terms for at least six months or three payment cycles, whichever is longer;\nv) No provisions, other than those created at the point of restructuring, remain assessed against the facility on an individual basis."]
[null,"RL050","Defaults, Losses \nand Claims","Default","Default Balance","Dynamic","If the status of the account is Default, specify the balance in default. Enter ND5 (ie N/A) for this data field if the Account Status is NOT equal to 3 'Default' in RL049.",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL051","Defaults, Losses \nand Claims","Foreclosure","Foreclosure Proceeds","Dynamic","If the status of the account is Foreclosure, specify the total cumulative sale receipts from the properties securing the loan. Enter ND5 (ie N/A) for this data field if the Account Status is NOT equal to 4 'Foreclosure' in RL049.",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL052","Defaults, Losses \nand Claims","Date of Foreclosure",null,"Dynamic","Date of sale of the foreclosed property. In the case of multiple properties, record the sale date of the most recently sold property. Enter ND5 (ie N/A) for this data field if the Account Status is NOT equal to 4 'Foreclosure' in RL049.",null,"Date","dd-mm-yyyy","In the template reported to permitted users, the date should be reported as the calendar year quarter within which the exact date falls. The data format to be used is Qn-yyyy, where n is the quarter number 1, 2, 3 or 4. For example, if the date is 23/2/2011, report Q1 2011. The exact date should be reported to the RBA."]
[null,"RL053","Defaults, Losses \nand Claims","Loss on Sale",null,"Dynamic","The total cumulative amount by which the money received by the lender for selling securing properties that have been foreclosed falls short of the amount owed on the loan. Enter ND5 (ie N/A) for this data field if the Account Status is NOT equal to 4 'Foreclosure' in RL049. If the loan is equal to 4 'Foreclosure' in RL049 and one or more of the properties securing the loan have not yet been sold enter ND6 (Pending Sale).",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL054","Defaults, Losses \nand Claims","Days In Arrears",null,"Dynamic","The number of days that a loan has been in arrears.\nArrears should be calculated and reported as at the end of the Report Date according to the methodology used in RL049. Enter ND5 (ie N/A) for this data field if the Account Status is NOT equal to 2 'Arrears' or 3 ‘Default’ in RL049.\n",null,"Numeric",1,"Partial days should be rounded up to the next whole day. For example, a loan that is 30.3 days in arrears should be reported as 31 days."]
[null,"RL055","Defaults, Losses \nand Claims","Amount in Arrears",null,"Dynamic","The principal, interest, fees and charges past due for the loan. Enter ND5 (ie N/A) for this data field if the Account Status is NOT equal to 2 'Arrears' in RL049.",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL056","Field removed",{"$nulls":7},"Former field name: Days Since Last Scheduled Payment"]
[null,"RL057","Field removed",{"$nulls":7},"Former field name: Cumulative Missed Payments"]
[null,"RL058","Defaults, Losses \nand Claims","Claims Submitted to LMIs","Claim Submitted to LMI","Dynamic","The total cumulative dollar amount of claims submitted (paid, denied and or unpaid) to the lender's mortgage insurance provider to cover the loss on the sale of the property (not including timely payment claims).",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL059","Defaults, Losses \nand Claims","Claims Paid by LMIs","Claim Paid by LMI","Dynamic","The cumulative dollar amount of claims paid by the lender's mortgage insurance provider to cover the loss on sale of property (not including timely payment claims).",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL060","Defaults, Losses \nand Claims","Claims Denied by LMI","Claim Denied by LMI","Dynamic","The cumulative dollar amount of claims rejected by the lender's mortgage insurance provider to cover the loss on sale of property (not including timely payment claims).",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL061","Defaults, Losses \nand Claims","Claims Pending with LMIs","Claim Pending with LMI","Dynamic","The cumulative dollar amount of claims submitted to the lender's mortgage insurance provider but has not been processed or paid (not including timely payment claims).",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL062","Property Region","Property Postcode",null,"Static","The postal code of the main security over which a mortgage exists in favour of the lender, as specified by Australia Post. If the property is not located in Australia, enter ND5 (ie N/A) for this data field.",null,"Numeric",1234,"For loans secured by more than one property, use the main security property as assigned by the issuer. The method for assigning the main property used as security must be outlined in a glossary. In the template reported to permitted users, the last three digits of the postcode should be redacted. The complete four-digit postcode should be reported to the RBA. If the loan is secured by cash deposit, enter ND5 (ie N/A). "]
[null,"RL063","Property Region","Property Country",null,"Static","The country where the main security property is located.","Country code of the main security property, if located outside of Australia [ISO 4217 code]. ","Text","N/A","If the loan is secured by cash deposit, enter ND5 (ie N/A). "]
[null,"RL064","Property & Collateral","Original Property Value",null,"Static","The valuation of all properties (including cash, if available) securing the loan as at loan origination date. For multiple properties, report the cumulative valuation.","Valuation of all properties (including cash) securing the loan as at loan origination date. For multiple properties, report cumulative valuation. ","Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL065","Property & Collateral","Current Property Value","Most Recent Property Value ","Dynamic","The most recent valuation of all properties (including cash, if available) securing the loan. For multiple properties, report the cumulative valuation.","Most recent valuation of all properties (including cash) securing the loan.","Numeric",{"v":123456.78,"d":"$123,456.78"},"If, for any property, the most recent valuation is the Original Property Value, use this value in the calculation. However, if a more recent valuation exists, it is a requirement that this data is provided in this field."]
[null,"RL066","Property & Collateral","Property Valuation Type - Origination","Original Property Valuation Type ","Static","Valuation type at origination (for the main security only):\n1 - Full  \n2 - Drive-by \n3 - Desktop \n4 - Automated (and Unqualified / Qualified)\n5 - Customer estimate\n6 - Contract of sale\n7 - Valuer General\n8 - Other \n","Valuation type at origination (for the main security only):\n1 - Full  \n2 - Drive-by \n3 - Desktop \n4 - Automated Unqualified \n5 - Automated Qualified\n6 - Customer estimate\n7 - Contract of sale\n8 - Valuer General\n9 - Cash\n10 - Other","Numeric",1,"Only report details for the main property used as security for the loan. If the loan is secured by a cash deposit, use \"10-Other\"."]
[null,"RL067","Property & Collateral","Property Valuation Type - Current","Most Recent Property Valuation Type ","Dynamic","Current valuation type (for the main security only):\n1 - Full  \n2 - Drive-by \n3 - Desktop \n4 - Automated (and Unqualified / Qualified)\n5 - Customer estimate\n6 - Contract of sale\n7 - Valuer General\n8 - Other \n","Most recent valuation type (for the main security only):\n1 - Full  \n2 - Drive-by \n3 - Desktop \n4 - Automated Unqualified \n5 - Automated Qualified\n6 - Customer estimate\n7 - Contract of sale\n8 - Valuer General\n9 - Cash\n10 - Other","Numeric",1,"For multiple properties, report the category with the greatest proportion weighted by market value. For example, with two properties, one with Full valuation and a market value of $60 and another with a Desktop valuation and a market value of $40, report 'Full' for this data field."]
[null,"RL068","Property & Collateral","Property Valuation Date","Most Recent Property Valuation Date ","Dynamic","The date on which the latest valuation for the main property used as security was undertaken. ","Date on which most recent valuation was undertaken.","Date","dd-mm-yyyy","In the template reported to permitted users, the date should be reported as the calendar year quarter within which the exact date falls. The data format to be used is Qn-yyyy, where n is the quarter number 1, 2, 3 or 4. For example, if the date is 23/2/2011, report Q1 2011. The exact date should be reported to the RBA. If the loan is secured by cash deposit, enter ND5 (ie N/A). "]
[null,"RL069","Property & Collateral","Property Purpose",null,"Static","The intended purpose of the main property that is used as security for the loan. \n1 - Investment\n2 - Owner-occupied\n3 - Other",null,"Numeric",1,"For loans secured by more than one property use the main security property as assigned by the issuer. If information is not available for the security purpose then the loan purpose can be used instead. If the loan is secured by a cash deposit use number 3 - other."]
[null,"RL070","Property & Collateral","Property Type",null,"Static","Property type of the main property used as security: \n1 - House\n2 - Apartment/unit/flat\n3 - Land\n4 - Cash deposit (or similar)\n5 - Other",null,"Numeric",1,"For loans secured by more than one property use the main security property as assigned by the issuer."]
[null,"RL071","Property & Collateral","Lien",null,"Static","Seniority of main security property on liquidation of property:\n1. 1st Lien\n2. 2nd Lien \n3. 3rd Lien \n4. Other",null,"Numeric",1,"If the loan is secured by a cash deposit use \"4 - Other\"."]
[null,"RL072","Borrower Information","Borrower ID",null,"Static","Unique identifier of the borrower assigned by the Servicer. No personal details such as name, address or date of birth should be included here. If more than one borrower, only list the primary borrower.",null,"Text",12345,"This identifier must not correspond to any sensitive identifiers such as actual account or customer numbers."]
[null,"RL073","Borrower Information","First Home Buyer Flag",null,"Static","Identifies whether the primary borrower is a first-time home buyer. ","Flag indicating whether the borrower is a first-time home buyer.  True/False","Text","True/False","If this data is not available, then report  \"True\" for those loans where an application has been sought through the issuer for a first home owner grant."]
[null,"RL074","Borrower Information","Country of Residence - Primary Borrower","Country of Residence","Static","Location where primary borrower resides:\n1 - Australia\n2 - Overseas\n3 - Specify country (if the issuer/originator records the country where the borrower resides, it is strongly recommended that this is disclosed in this category)","Residence of the primary borrower [ISO 4217 code].","Text","N/A","If there is more than one borrower, then the primary borrower is to be assigned according to the issuers own procedures. Use the most recent address of the primary borrower to determine this field. "]
[null,"RL075","Field removed",{"$nulls":7},"Former field name: Borrower Residency - Secondary Borrower"]
[null,"RL076","Borrower Information","Employment Type  - Primary Borrower","Employment Type ","Static","Employment status of the primary borrower:\n1 - Pay-as-you-go employee \n2 - Self employed\n3 - Other","Employment status of the primary borrower:\n1 - Pay-as-you-go employee \n2 - Self employed\n3 - Other","Numeric",1]
[null,"RL077","Field removed",{"$nulls":7},"Former field name: Employment Type - Secondary Borrower"]
[null,"RL078","Field removed"]
[null,"RL079","Field removed",{"$nulls":7},"Former field name: Borrower type - Secondary Borrower"]
[null,"RL080","Borrower Information","Legal Entity Type  - Primary Borrower","Legal Entity Type ","Static","Indicate legal entity type of the primary borrower. Choose one from:\n1 - Individual\n2 - Trust (including self-managed super funds)\n3 - Corporation\n4 - Other",null,"Numeric",1]
[null,"RL081","Field removed",{"$nulls":7},"Former field name: Legal Entity Type - Secondary Borrower"]
[null,"RL082","Borrower Information","Bankruptcy Flag",null,"Static","Indicates whether any of the borrowers to the loan has been bankrupt within 10 years prior to the Settlement Date.","Flag indicating whether any borrower on the loan has been bankrupt within 10 years prior to the Settlement Date. True/False\n","Text","True/False"]
[null,"RL083","Borrower Information","Last Credit Discharge Date",null,"Static","Most recent discharged date of defaults or bankruptcies of any of the borrowers to the loan. If none of the borrowers to the loan have recorded a default or bankruptcy, enter ND5 (ie N/A) for this data field.","Most recent discharged date of defaults or bankruptcies of any of the borrowers to the loan. If none of the borrowers to the loan have recorded a default or bankruptcy, enter ND5 (ie N/A) for this data field.\n","Date","dd-mm-yyyy"]
[null,"RL084","Borrower Information","Number of Debtors",null,"Static","Number of borrowers on the loan.",null,"Numeric",12]
[null,"RL085","Borrower Information","Credit Score Provider","External Credit Score Provider Name","Static","The provider of a borrower credit score (If both external and internal scores are available please provide the external provider).","Full legal name of the entity providing the external credit score.","Text","N/A"]
[null,"RL086","Borrower Information","Credit Score - Primary Borrower","Credit Score \n","Static","The primary borrower credit score (If both external and internal scores are available please provide the external provider score).","The primary borrower's credit score (provide scores provided by external assessors where applicable).","Text",1]
[null,"RL087","Field removed",{"$nulls":7},"Former field name: Credit Score - Secondary Borrower"]
[null,"RL088","Borrower Information","Debt Serviceability Metric",null,"Static","A description of the metric used (if any) to assess a borrower’s debt servicing ability. Enter ND5 (ie N/A) if debt serviceability metric was not used in assessing the loan.",null,"Text","N/A","This field may be redacted from the publically available data release only. "]
[null,"RL089","Borrower Information","Debt Serviceability Metric Score",null,"Static","Borrower debt serviceability metric score. Enter ND5 (ie N/A) if debt serviceability metric was not used in assessing the loan.",null,"Numeric",12.34,"This field may be redacted from the publically available data release only. "]
[null,"RL090","Borrower Information","Primary Income","Income","Static","Primary borrower gross annual income used to underwrite/assess the loan (after allowing for adjustments to bonuses, overtime payments, rental income from other investment properties on which there are separate loans, etc.).",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL091","Borrower Information","Income Verification for Primary Income","Income Verification","Static","Income verification for primary income: \n1 - Verified\n2 - Non-Verified Income \n3 - Self-certified no checks \n4 - Other","The type of income verification that has been completed for the primary borrower.\n1 - Verified\n2 - Non-Verified Income \n3 - Self-certified no checks \n4 - Other","Numeric",1]
[null,"RL092","Borrower Information","Nonprimary borrower income",null,"Static","The total gross annual income of all non-primary borrowers used to underwrite/assess the loan (after allowing for adjustments to bonuses, overtime payments, rental income from other investment properties on which there are separate loans, etc.). Enter ND5 (ie N/A) for this data field if there is no non-primary borrowers to the loan.",null,"Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL093","Field removed",{"$nulls":7},"Former field name: Income Verification for Secondary Income"]
[null,"RL094","Property Region","ABS Statistical Area (Level 4)","ABS Statistical Area","Static","The ABS Statistical Area (Level 4) of each property over which a mortgage exists in favour of the lender, as specified in the ABS’s Australian Statistical Geography Standard (ASGS) on the date that the mortgage secured by the property entered the collateral pool. If the property is not located in Australia, enter ND5 (ie N/A) for this field.","The ABS Statistical Area (Level 4) of the main property over which a mortgage exists in favour of the lender, as specified in the ABS’s Australian Statistical Geography Standard (ASGS) on the date that the mortgage secured by the property entered the collateral pool. ","Numeric",123,"Report the property's ABS Statistical Area (Level 4) (SA4) as defined in the Australian Statistical Geography Standard. The property’s SA4 should be reported by mapping its postcode to its SA4 using the postcode-to-SA4 mapping tables provided by the ABS. Alternatively, the exact SA4 of the property, derived from a third-party provider specializing in this service, can be reported. The property’s SA4 should be reported using the most up-to-date ABS postcode-to-SA4 mapping (or an exact mapping by a third-party provider specialising in this service) in effect at the date that the mortgage secured by the property entered the collateral pool. For RMBS deals outstanding in July 2011, the SA4 should be reported using the postcode-to-SA4 mapping in effect on July 2011 which can be found in 1270.0.55.006 - Australian Statistical Geography Standard (ASGS): Correspondences, July 2011 (under Postcode 2011 to Statistical Area Level 4 2011 ‘Table 3 Correspondence’) or an exact mapping effective as at July 2011 by a third-party provider specialising in this service. In cases where the postcode maps to more than one SA4, report the SA4 region which contains the largest percentage of that postcode as reported by the ABS in its mapping table. When there are ties between the SA4s with the highest percentage to which the postcode is mapped to, the information provider can assign the property to any of these SA4s. Where there are multiple properties, only list the SA4 of the MAIN security property."]
[null,"ADDITIONAL DATA FIELDS "]
[null,"RL095","Loan Characteristics","NEW","Arrears Methodology ","Dynamic",null,"Methodology used to determine Days In Arrears and Amount in Arrears. Select from \n1 - Scheduled Balance Method\n2 - Missed Payment Method\n3 - Other Method","Numeric",1]
[null,"RL096","Property & Collateral","NEW","Main Security Methodology","Dynamic",null,"Methodology used to determine the main security. Choose from:\n1 - One security property only\n2 - Highest valued security property\n3 - Highest Lien, Highest Value\n4 - Other","Numeric",1,"For loans secured by more than one property a \"main security property\" must be assigned for the purposes of reporting Fields RL062, RL063, RL066, RL067, RL069, RL070, RL071 and RL094. Use this field to specify how the main security property has been allocated. Where there is only one security property use '1 - One security property only'."]
[null,"RL097","Property & Collateral","NEW","Primary Borrower Methodology","Dynamic",null,"Methodology used to determine the primary borrower. Choose from:\n1 - One borrower only\n2 - Borrower with highest income\n3 - Other","Numeric",1,"For loans with more than one borrower a \"primary borrower\" must be assigned for the purposes of reporting Fields RL033, RL072, RL073, RL074, RL076, RL080, RL086, RL090, RL091 and RL105. Use this field to specify how the primary borrower has been allocated. Where there is only one borrower  use '1 - One borrower only'."]
[null,"RL098","Loan Characteristics","Variant of existing field","Originator ID","Dynamic",null,"Registration number or equivalent issued by the jurisdiction under the laws of which the entity is organised.","Text","N/A"]
[null,"RL099","Loan Characteristics","Variant of existing field","Seller Name","Dynamic",null,"Full legal name the Seller of the loan into the special-purpose vehicle.","Text","N/A"]
[null,"RL100","Loan Characteristics","Variant of existing field","Seller ABN","Dynamic",null,"The applicable Australian Business Number of the Seller, if organised under the laws of Australia.","Numeric",12345678901]
[null,"RL101","Loan Characteristics","Variant of existing field","Seller ID","Dynamic",null,"Registration number or equivalent issued by the jurisdiction under the laws of which the entity is organised.","Text","N/A"]
[null,"RL102","Loan Characteristics","Variant of existing field","LMI Provider ABN","Dynamic",null,"The applicable Australian Business Number of the LMI provider, if organised under the laws of Australia.","Numeric",12345678901]
[null,"RL103","Loan Characteristics","Variant of existing field","LMI Provider ID","Dynamic",null,"Registration number or equivalent issued by the jurisdiction under the laws of which the entity is organised.","Text","N/A"]
[null,"RL104","Loan Characteristics","Variant of existing field","Servicer ID","Dynamic",null,"Registration number or equivalent issued by the jurisdiction under the laws of which the entity is organised.","Text","N/A"]
[null,"RL105","Borrower Information","Variant of existing field","Savings Verification","Dynamic",null,"The type of savings verification that has been completed for the primary borrower.\n1 - Verified\n2 - Non-Verified Income \n3 - Self-certified no checks \n4 - Other","Numeric",1]
[null,"RL106","Interest Rate","Variant of existing field","Interest Rate","Dynamic",null,"Interest rate applied to loans that have a fixed-rate interest rate type only. Current interest rate in % per annum.","Numeric",12.34]
[null,"RL107","Property & Collateral","Not required","Original Property Valuation Date ",null,null,"Date on which the original valuation was undertaken.","Date","dd-mm-yyyy"]
[null,"RL108","Loan Characteristics","Not required","Original Approval Amount",null,null,"Total loan amount approved by the lender, as at the Settlement Date of the loan.","Numeric",{"v":123456.78,"d":"$123,456.78"}]
[null,"RL109","Loan Characteristics","Not required","Settlement Date Remaining Term ",null,null,"Number of months from the pool cut-off date to Maturity Date of the loan (or alternatively from Settlement Date of the deal to Maturity Date of the loan).","Numeric",123.45]
[null,"RL110","Loan Characteristics","Not required","Settlement Date Seasoning ",null,null,"Number of months from Settlement Date of the loan to the pool cut-off date (or alternatively from Settlement Date of the loan to the Settlement Date of the deal).","Numeric",123.45]
[null,"RL111","Loan Characteristics","Not required","Reset Interest Margin ",null,null,"Future margin to the reference index, where one is applicable. Interest rate margin (i.e. Interest Rate Type is equal to either 5 or 6 in RL041) measured as the margin over (or under if input as a negative) the relevant reference rate that is applicable in RL041 and RL043; measured in basis points. If the interest rate on the loan is not explicitly benchmarked to any particular rate (i.e. Interest Rate Type is NOT equal to 5 or 6 in RL041), enter ND5 (ie N/A) for this data field.\n","Numeric",123.45]
[null,"RL112","Loan Characteristics","Not required","Reset Interest Rate",null,null,"Future interest rate to which loan is to be reset. Include the rate for both fixed and floating loans here.","Numeric",12.34]
[null,"RL113","Loan Characteristics","Not required","LMI",null,null,"Flag indicating whether the loan has LMI, as at the Collateral Date.  True/False","Text","True/False"]
[null,"RL114","Loan Characteristics","Not required","LMI Timely Payment Cover ",null,null,"Flag indicating whether the loan had LMI with timely payment cover, as at the Collateral Date. True/False","Text","True/False"]
[null,"RL115","Loan Characteristics","Not required","Originator Jurisdiction","Dynamic",null,"Jurisdiction, if not Australia, under the laws of which the originator is organised [ISO 3166 code]. Please use the ISO 3166-1 alpha 3 codes. E.g. the United states would be represented as 'USA' while the UK would be represented as 'GBR'.","Text","ABC"]
[null,"RL116","Loan Characteristics","Not required","Originator ID Descriptor","Dynamic",null,"A brief description of the business identifier if an ABN is not available, e.g. US Employer ID Number, UK Business Registration Number.","Text","N/A"]
[null,"RL117","Loan Characteristics","Not required","Servicer Jurisdiction","Dynamic",null,"Jurisdiction, if not Australia, under the laws of which the Servicer is organised [ISO 3166 code]. Please use the ISO 3166-1 alpha 3 codes. E.g. the United states would be represented as 'USA' while the UK would be represented as 'GBR'.","Text","N/A"]
[null,"RL118","Loan Characteristics","Not required","Servicer ID Descriptor","Dynamic",null,"A brief description of the business identifier if an ABN is not available, e.g. US Employer ID Number, UK Business Registration Number.","Text","N/A"]
[null,"RL119","Loan Characteristics","Not required","Seller Jurisdiction","Dynamic",null,"Jurisdiction, if not Australia, under the laws of which the Seller is organised [ISO 3166 code]. Please use the ISO 3166-1 alpha 3 codes. E.g. the United states would be represented as 'USA' while the UK would be represented as 'GBR'.","Text","N/A"]
[null,"RL120","Loan Characteristics","Not required","Seller ID Descriptor","Dynamic",null,"A brief description of the business identifier if an ABN is not available, e.g. US Employer ID Number, UK Business Registration Number.","Text","N/A"]
[null,"RL121","Loan Characteristics","Not required","LMI Provider Jurisdiction",null,null,"Jurisdiction, if not Australia, under the laws of which the LMI provider is organised [ISO 3166 code]. Please use the ISO 3166-1 alpha 3 codes. E.g. the United states would be represented as 'USA' while the UK would be represented as 'GBR'.","Text","N/A"]
[null,"RL122","Loan Characteristics","Not required","LMI Provider ID Descriptor",null,null,"A brief description of the business identifier if an ABN is not available, e.g. US Employer ID Number, UK Business Registration Number.","Text","N/A"]
[null,"RL123","Borrower Information","Not required","External Credit Score Provider ABN",null,null,"The applicable Australian Business Number of the External Credit Score provider, if organised under the laws of Australia.","Numeric",12345678901]
[null,"RL124","Borrower Information","Not required","External Credit Score Provider Jurisdiction",null,null,"Jurisdiction, if not Australia, under the laws of which the External Credit Score provider is organised [ISO 3166 code]. Please use the ISO 3166-1 alpha 3 codes. E.g. the United states would be represented as 'USA' while the UK would be represented as 'GBR'.","Text","N/A"]
[null,"RL125","Borrower Information","Not required","External Credit Score Provider ID",null,null,"Registration number or equivalent issued by the jurisdiction under the laws of which the entity is organised.","Text","N/A"]
[null,"RL126","Borrower Information","Not required","External Credit Score Provider ID Descriptor",null,null,"A brief description of the business identifier if an ABN is not available, e.g. US Employer ID Number, UK Business Registration Number.","Text","N/A"]

{"sheet":"No Data","index":1,"n_rows":11,"n_cols":4,"rows_kept":11,"flags":["formulas_cached_only"]}
[]
[null,null,"\"No Data\" Responses"]
[null,null,"To capture non-available data fields, a set of five \"No data\" (ND) options are included in this template which must be used whenever a particular data field cannot be submitted in accordance with the template or when the field is not applicable."]
[]
[null,null,"Reason","Example"]
[null,null,"Data not collected at loan origination","ND1"]
[null,null,"Data collected at loan origination but not loaded into the reporting system at completion","ND2"]
[null,null,"Data collected at loan origination but loaded into a separate system from the reporting one","ND3"]
[null,null,"Data collected at loan origination but will only be available from YYYY-MM","ND4 YYYY-MM"]
[null,null,"Data Not Applicable - N/A","ND5"]
[null,null,"Data not collected reason being Pending Sale","ND6"]