{
 "snapshot_at": "2026-10-02T09:50:33Z",
 "brand": "HSBC Bank Australia Limited – Wholesale Banking",
 "brand_slug": "hsbc-bank-australia-limited-wholesale-banking",
 "product_id": "TMD_GLCM",
 "cdr_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/TMD_GLCM",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/TMD_GLCM'",
 "note": "Verbatim copy of the bank's Consumer Data Right product detail response as fetched by Deep Almanac. The live endpoint requires the x-v header shown. snapshot_at is when this version of the record was first fetched; the file is rewritten only when the bank's data changes.",
 "data": {
  "productId": "TMD_GLCM",
  "lastUpdated": "2026-02-18T05:45:53.076Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Term Deposit Account",
  "description": "Provides a fixed term investment at a specified interest rate.",
  "brand": "HSBC",
  "brandName": "Corporate and Institutional Banking",
  "isTailored": false,
  "additionalInformation": {
   "feesAndPricingUri": "https://www.business.hsbc.com.au/-/media/library/markets-selective/australia/pdf/corporate-banking-fees-and-charges.pdf"
  },
  "features": [
   {
    "featureType": "DIGITAL_BANKING"
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "5000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Must be an existing client with a valid current account."
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0379",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1D",
    "additionalValue": "Rate is subject to change dependent on tenor and external interest rate environment.",
    "applicationType": "MATURITY"
   }
  ]
 }
}