Abstract: A process for automatically creating a geographic region-specific financial document pertaining to a financial product in real time such that all clauses present therein are effective. The process includes the steps of providing a computer database including at least one master financial document pertaining to a specific financial product, the master financial document having a plurality of document clauses, each of the clauses containing information associated with a different one of a plurality of geographic regions, selecting the master financial document associated with the specific financial product from the database including the master financial document, providing information regarding a desired one of the plurality of regions and selecting all document clauses pertaining to the specific financial product and to the desired region to be used in the selected master financial document and assembling the clauses into the document to make a completed financial document.