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"NonStandardAvailability" : [ ] }, { "ActionMethodType" : "MobileBanking", "Day" : [ { "Name" : "Friday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Monday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Saturday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Sunday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Thursday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Tuesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Wednesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] } ], "NonStandardAvailability" : [ ] } ] }, { "ActionType" : "SettingStandingOrder", "24HourAvailable" : "Yes", "OtherActionType" : [ ], "ExecutionChannelDetails" : [ { "ExecutionChannelType" : "Phone", "ChannelContent" : "UK: 03457 888 444\n\nRelay UK*:\nDial 18001 and then 03457 888 444", "ChannelDescription" : "Telephone banking" }, { "ExecutionChannelType" : "WebChatApp", "ChannelContent" : "https://personal.natwest.com/personal/ways-to-bank/online-banking.html", "ChannelDescription" : "Internet banking" }, { "ExecutionChannelType" : "MobileApp", "ChannelContent" : "https://applink.natwest.com/text-mobile-application/traffic/8112619", "ChannelDescription" : "Mobile banking" } ], "ServiceActionAvailabilityMethod" : [ { "ActionMethodType" : "TelephoneBanking", "Day" : [ { "Name" : "Friday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Monday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Saturday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Sunday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Thursday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Tuesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Wednesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] } ], "NonStandardAvailability" : [ ] }, { "ActionMethodType" : "InternetBanking", "Day" : [ { "Name" : "Friday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Monday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Saturday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Sunday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Thursday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Tuesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Wednesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] } ], "NonStandardAvailability" : [ ] }, { "ActionMethodType" : "MobileBanking", "Note" : "A standing order can be set up to an existing payee or a recognised company.", "Day" : [ { "Name" : "Friday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Monday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Saturday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Sunday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Thursday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Tuesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Wednesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] } ], "NonStandardAvailability" : [ ] } ] }, { "ActionType" : "SendingMoneyOutsideUK", "24HourAvailable" : "Yes", "OtherActionType" : [ ], "ExecutionChannelDetails" : [ { "ExecutionChannelType" : "Phone", "ChannelContent" : "UK: 03457 888 444\n\nRelay UK*:\nDial 18001 and then 03457 888 444", "ChannelDescription" : "Telephone banking" }, { "ExecutionChannelType" : "WebChatApp", "ChannelContent" : "https://personal.natwest.com/personal/ways-to-bank/online-banking.html", "ChannelDescription" : "Internet banking" }, { "ExecutionChannelType" : "MobileApp", "ChannelContent" : "https://applink.natwest.com/text-mobile-application/traffic/8112619", "ChannelDescription" : "Mobile banking" } ], "ServiceActionAvailabilityMethod" : [ { "ActionMethodType" : "InternetBanking", "Day" : [ { "Name" : "Friday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Monday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Saturday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Sunday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Thursday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Tuesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Wednesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] } ], "NonStandardAvailability" : [ ] }, { "ActionMethodType" : "MobileBanking", "Day" : [ { "Name" : "Friday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Monday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Saturday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Sunday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Thursday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Tuesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Wednesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] } ], "NonStandardAvailability" : [ ] } ] }, { "ActionType" : "PayingInCheque", "24HourAvailable" : "Yes", "OtherActionType" : [ ], "ExecutionChannelDetails" : [ { "ExecutionChannelType" : "Phone", "ChannelContent" : "UK: 03457 888 444\n\nRelay UK*:\nDial 18001 and then 03457 888 444", "ChannelDescription" : "Telephone banking" }, { "ExecutionChannelType" : "WebChatApp", "ChannelContent" : "https://personal.natwest.com/personal/ways-to-bank/online-banking.html", "ChannelDescription" : "Internet banking" }, { "ExecutionChannelType" : "MobileApp", "ChannelContent" : "https://applink.natwest.com/text-mobile-application/traffic/8112619", "ChannelDescription" : "Mobile banking" } ], "ServiceActionAvailabilityMethod" : [ { "ActionMethodType" : "MobileBanking", "Day" : [ { "Name" : "Friday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Monday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Saturday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Sunday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Thursday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Tuesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Wednesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] } ], "NonStandardAvailability" : [ ] } ] }, { "ActionType" : "CancellingCheque", "24HourAvailable" : "Yes", "OtherActionType" : [ ], "ExecutionChannelDetails" : [ { "ExecutionChannelType" : "Phone", "ChannelContent" : "UK: 03457 888 444\n\nRelay UK*:\nDial 18001 and then 03457 888 444", "ChannelDescription" : "Telephone banking" }, { "ExecutionChannelType" : "WebChatApp", "ChannelContent" : "https://personal.natwest.com/personal/ways-to-bank/online-banking.html", "ChannelDescription" : "Internet banking" }, { "ExecutionChannelType" : "MobileApp", "ChannelContent" : "https://applink.natwest.com/text-mobile-application/traffic/8112619", "ChannelDescription" : "Mobile banking" } ], "ServiceActionAvailabilityMethod" : [ { "ActionMethodType" : "TelephoneBanking", "Day" : [ { "Name" : "Friday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Monday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Saturday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Sunday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Thursday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Tuesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] }, { "Name" : "Wednesday", "AvailableHours" : [ { "OpeningTime" : "00:00", "ClosingTime" : "23:59" } ] } ], "NonStandardAvailability" : [ ] } ] } ] }, "OperationalSecurityIncidentMetrics" : { "OperationalSecurityIncidentMetricsDetails" : [ { "IncidentMetricsType" : "TotalNumberIncidentReported", "Note" : "These numbers include incidents that impact other members of the NatWest Group", "IncidentDetails" : [ { "IncidentReportingType" : "Quarterly", "FromDate" : "2023-10-01", "ToDate" : "2023-12-31", "IncidentCount" : 2 }, { "IncidentReportingType" : "Yearly", "FromDate" : "2023-01-01", "ToDate" : "2023-12-31", "IncidentCount" : 12 } ] }, { "IncidentMetricsType" : "IncidentsAffectingTelBanking", "Note" : "These numbers include incidents that impact other members of the NatWest Group", "IncidentDetails" : [ { "IncidentReportingType" : "Quarterly", "FromDate" : "2023-10-01", "ToDate" : "2023-12-31", "IncidentCount" : 0 }, { "IncidentReportingType" : "Yearly", "FromDate" : "2023-01-01", "ToDate" : "2023-12-31", "IncidentCount" : 0 } ] }, { "IncidentMetricsType" : "IncidentsAffectingMobBanking", "Note" : "These numbers include incidents that impact other members of the NatWest Group", "IncidentDetails" : [ { "IncidentReportingType" : "Quarterly", "FromDate" : "2023-10-01", "ToDate" : "2023-12-31", "IncidentCount" : 1 }, { "IncidentReportingType" : "Yearly", "FromDate" : "2023-01-01", "ToDate" : "2023-12-31", "IncidentCount" : 5 } ] }, { "IncidentMetricsType" : "IncidentsAffectingInternetBanking", "Note" : "These numbers include incidents that impact other members of the NatWest Group", "IncidentDetails" : [ { "IncidentReportingType" : "Quarterly", "FromDate" : "2023-10-01", "ToDate" : "2023-12-31", "IncidentCount" : 1 }, { "IncidentReportingType" : "Yearly", "FromDate" : "2023-01-01", "ToDate" : "2023-12-31", "IncidentCount" : 3 } ] } ] }, "ComplaintsData" : { "CompliantsDataDetails" : { "CompliantsDataAvailable" : "Yes", "CompliantsInfoURL" : "www.natwestgroup.com/who-we-are/contact-us/feedback-and-complaints/complaints-data/national-westminster-bank-plc.html", "OmbudsmanURL" : "www.ombudsman-complaints-data.org.uk/", "Notes" : "Financial Conduct Authority rules require us to provide them with a report of our complaints data every six months. In certain circumstances, we are also required to publish a summary of our complaints data. The most recent summary is available here. (https://www.natwestgroup.com/who-we-are/contact-us/feedback-and-complaints/complaints-data/national-westminster-bank-plc.html)\nThe Financial Ombudsman Service publishes its complaints data every six months. You can see their complaints data about us at http://www.ombudsman-complaints-data.org.uk/." } }, "AccountOpeningTimeLineDetails" : { "AccountOpeningURL" : "personal.natwest.com/personal/current-accounts/what-do-you-need-to-open-a-current-account.html", "AccountOpeningDocumentationURL" : "personal.natwest.com/personal/current-accounts/what-do-you-need-to-open-a-current-account.html", "Note" : "Go to personal.natwest.com/personal/current-accounts/what-do-you-need-to-open-a-current-account.html to find out how you can open an account, and what information and documents you need to give us to open an account.", "AccountOpeningTimelineParameters" : [ { "OpeningAccountTimelineType" : "OpenCurrentAccountsAvailability", "Notes" : "These figures are based on the time taken from our receiving all the information and documents we ask for at personal.natwest.com/personal/current-accounts/what-do-you-need-to-open-a-current-account.html, in a case where we don’t need any further information or documents to open the account.", "AccountOpeningTimelineMetrics" : [ { "TimelineMetricsType" : "SameDay", "MetricsValue" : 0 }, { "TimelineMetricsType" : "OnAnAverage", "MetricsValue" : 1 }, { "TimelineMetricsType" : "WithinDays", "MetricsValue" : 1 } ] }, { "OpeningAccountTimelineType" : "DebitCardAvailability", "AccountOpeningTimelineMetrics" : [ { "TimelineMetricsType" : "SameDay", "MetricsValue" : 0 }, { "TimelineMetricsType" : "OnAnAverage", "MetricsValue" : 2 }, { "TimelineMetricsType" : "WithinDays", "MetricsValue" : 5 } ] }, { "OpeningAccountTimelineType" : "InternetBankingAvailability", "Notes" : "These figures are calculated from when the customer has an account number and can pay into the account to the point that the service is received.\nInternet Banking is when you can access all the services to enable you to set up payees and make payments which requires a card reader for additional payment security. When you first log-in to Internet Banking, you can undertake some activities including viewing account balances, transferring money between your own accounts, initiate some payments to a list of preferred suppliers and download statements. Our 8 day average figure is based on our full Internet Banking service and is dependent on you holding a working account number and requesting a card reader on the same day that you have registered for Internet Banking.", "AccountOpeningTimelineMetrics" : [ { "TimelineMetricsType" : "SameDay", "MetricsValue" : 0 }, { "TimelineMetricsType" : "OnAnAverage", "MetricsValue" : 8 }, { "TimelineMetricsType" : "WithinDays", "MetricsValue" : 8 } ] }, { "OpeningAccountTimelineType" : "OverdraftAvailability", "Notes" : "These figures are calculated from when the customer has an account number and can pay into the account to the point that the service is received.", "AccountOpeningTimelineMetrics" : [ { "TimelineMetricsType" : "SameDay", "MetricsValue" : 100 }, { "TimelineMetricsType" : "OnAnAverage", "MetricsValue" : 0 }, { "TimelineMetricsType" : "WithinDays", "MetricsValue" : 0 } ] } ] }, "CardReplacementTimeLine" : { "CardReplacementTimeLineDetails" : [ { "CardReplacementTimeline" : "DebitCardReplacement", "CardReplacementTimelineMetrics" : [ { "TimelineMetricsType" : "SameDay", "MetricsValue" : 0 }, { "TimelineMetricsType" : "OnAnAverage", "MetricsValue" : 2 }, { "TimelineMetricsType" : "WithinDays", "MetricsValue" : 6 } ] } ] }, "AccountOpeningSummary" : { "DocumentAndInfoURL" : "personal.natwest.com/personal/current-accounts/what-do-you-need-to-open-a-current-account.html", "SummaryDescription" : "To open any of our accounts, a new customer will need to provide us with the documents and information set out at personal.natwest.com/personal/current-accounts/what-do-you-need-to-open-a-current-account.html. We may request additional information or documents in individual cases.", "AccountOpeningSummaryDetails" : [ { "AccountOpeningChannelType" : "OpenAccountWithoutVisit", "ChannelUsage" : "Yes" }, { "AccountOpeningChannelType" : "VisitBranchWithoutAppointment", "ChannelUsage" : "InSomeCases" }, { "AccountOpeningChannelType" : "SendingDocumentElectronically", "ChannelUsage" : "Yes" }, { "AccountOpeningChannelType" : "OpenAccountByPost", "ChannelUsage" : "No" } ] }, "OverdraftCompare" : { "OverdraftCompareDetails" : { "OverdraftDataAvailable" : "Yes", "Notes" : "A good way to compare the cost of our overdraft with other overdrafts or other ways of borrowing is to look at the APR. The APR shows the cost of borrowing over a year." } }, "OverdraftPricing" : { "OverdraftPricingDetails" : [ { "PricingDetailsType" : "Select / Reward / Reward Silver / Reward Platinum / Graduate", "IncidentDetails" : [ { "PricingReportingType" : "ForThePeriod", "Period" : "01/10/2023 - 31/12/2023", "IncidentCount" : "39.49%" } ] }, { "PricingDetailsType" : "Premier Select / Reward Black", "IncidentDetails" : [ { "PricingReportingType" : "ForThePeriod", "Period" : "01/10/2023 - 31/12/2023", "IncidentCount" : "19.49%" } ] }, { "PricingDetailsType" : "Student", "IncidentDetails" : [ { "PricingReportingType" : "ForThePeriod", "Period" : "01/10/2023 - 31/12/2023", "IncidentCount" : "0.00%" } ] }, { "PricingDetailsType" : "Select Lower Rate / Select Platinum / Select Silver / Select Silver (Credit Restricted) /Select with Overdraft Control / Black / Tailored / Foundation/ Basic", "IncidentDetails" : [ { "PricingReportingType" : "ForThePeriod", "Period" : "01/10/2023 - 31/12/2023", "IncidentCount" : "N/A" } ] } ], "OverdraftPricingDetailsUBN" : [ ] }, "InterestRate" : { "InterestRateMatricsDetails" : [ { "InterestRateMetricsType" : "Select / Select Platinum / Select Silver / Reward / Reward Silver / Reward Platinum / Black", "IncidentDetails" : [ { "IncidentReportingType" : "Range of annual interest rates payable for arranged overdrafts on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "39.49%" }, { "IncidentReportingType" : "Annual interest rates payable for unarranged overdrafts on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "39.49%" }, { "IncidentReportingType" : "Refused payment fee on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "155.00%" } ] }, { "InterestRateMetricsType" : "Graduate", "IncidentDetails" : [ { "IncidentReportingType" : "Range of annual interest rates payable for arranged overdrafts on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "39.49%" }, { "IncidentReportingType" : "Annual interest rates payable for unarranged overdrafts on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "0.00%" }, { "IncidentReportingType" : "Refused payment fee on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "155.00%" } ] }, { "InterestRateMetricsType" : "Premier Select / Select Lower Rate / Reward Black", "IncidentDetails" : [ { "IncidentReportingType" : "Range of annual interest rates payable for arranged overdrafts on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "19.49%" }, { "IncidentReportingType" : "Annual interest rates payable for unarranged overdrafts on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "19.49%" }, { "IncidentReportingType" : "Refused payment fee on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "155.00%" } ] }, { "InterestRateMetricsType" : "Tailored", "IncidentDetails" : [ { "IncidentReportingType" : "Range of annual interest rates payable for arranged overdrafts on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "0.00%-39.49%" }, { "IncidentReportingType" : "Annual interest rates payable for unarranged overdrafts on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "0.00%" }, { "IncidentReportingType" : "Refused payment fee on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "155.00%" } ] }, { "InterestRateMetricsType" : "Student", "IncidentDetails" : [ { "IncidentReportingType" : "Range of annual interest rates payable for arranged overdrafts on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "0.00%" }, { "IncidentReportingType" : "Annual interest rates payable for unarranged overdrafts on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "0.00%" }, { "IncidentReportingType" : "Refused payment fee on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "155.00%" } ] }, { "InterestRateMetricsType" : "Select Silver (Credit Restricted)", "IncidentDetails" : [ { "IncidentReportingType" : "Range of annual interest rates payable for arranged overdrafts on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "N/A" }, { "IncidentReportingType" : "Annual interest rates payable for unarranged overdrafts on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "N/A" }, { "IncidentReportingType" : "Refused payment fee on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "155.00%" } ] }, { "InterestRateMetricsType" : "Foundation, Basic", "IncidentDetails" : [ { "IncidentReportingType" : "Range of annual interest rates payable for arranged overdrafts on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "N/A" }, { "IncidentReportingType" : "Annual interest rates payable for unarranged overdrafts on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "N/A" }, { "IncidentReportingType" : "Refused payment fee on 31/12/2023", "OnDate" : "31/12/2023", "IncidentCount" : "0.00%" } ] } ], "InterestRateMatricsDetailsUBN" : [ ] } } ] } ] }