API Endpoint Structure: In IBM API Connect, the structure of an API endpoint URL typically includes the base URL, followed by the catalog name, and then the API name.

Catalog Name: The segment of the URL immediately following the base URL (in this case, ''savings'') is generally the name of the catalog to which the API is deployed. This is a default setting in IBM API Connect.

API Name: The last segment of the URL (in this case, ''annual'') is usually the name of the API being called.

Default Catalog Settings: With default catalog settings, the catalog name is included in the URL to distinguish between different catalogs. This helps in organizing and managing APIs across different environments or stages (e.g., development, testing, production).

IBM API Connect documentation on API endpoint structure and catalog settings.

General principles of API management and deployment in IBM API Connect.