As a general rule multiple use tokens are used for "long term loans," where an item is due using a loan period of days, while "short term loans with a loan period of hours do not.
The two types of multiple tokens are loans and feeCharges:


The category of loan template also determines what type of multiple tokens to use:

| 
 Category  | 
 Long Term  | 
 Short Term  | 
| 
 Loan  | 
 Loans  | 
 No multiple tokens  | 
| 
 Automated fee/fine charges  | 
 feeCharges  | 
 No multiple tokens  | 
| 
 Automated fee/fine Adjustment  | 
 feeCharges  | 
 No multiple tokens  | 
| 
 The following never use multiple tokens  | ||
| 
 Request  | 
 No multiple tokens  | |
| 
 Manual fee/fine charge  | 
 No multiple tokens  | |
| 
 Manual fee/fine action  | 
 No multiple tokens  | 
The use is to bracket the tokens and text intended to repeat as below:
| 
 Loans  | 
 feeCharges  | 
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Examples of a loan and charges template are below. Note the same template could be used for a short term loan by removing the multiple loan tokens:



