penaltyOptions = CollectionUtils.isEmpty(penaltyOptions) ? null : penaltyOptions;
final Collection<EnumOptionData> periodFrequencyTypeOptions = this.dropdownReadPlatformService.retrievePeriodFrequencyTypeOptions();
// interest rate chart template
final InterestRateChartData chartTemplate = this.interestRateChartReadPlatformService.template();
RecurringDepositProductData recurringDepositProductToReturn = null;
if (savingsProduct != null) {
recurringDepositProductToReturn = RecurringDepositProductData.withTemplate(savingsProduct, currencyOptions,
interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions, interestCalculationTypeOptions,