Loan toLoanAccount = null;
if (accountTransferDetails == null) {
fromSavingsAccount = this.savingsAccountAssembler.assembleFrom(accountTransferDTO.getFromAccountId());
toLoanAccount = this.loanAccountAssembler.assembleFrom(accountTransferDTO.getToAccountId());
} else {
fromSavingsAccount = accountTransferDetails.fromSavingsAccount();
this.savingsAccountAssembler.setHelpers(fromSavingsAccount);
toLoanAccount = accountTransferDetails.toLoanAccount();
this.loanAccountAssembler.setHelpers(toLoanAccount);
}