Loyalty is a type of Virtue. Virtue is related to Characteristic. Characteristic is related to Age. 
Mortgage is a type of Owe. Mortgage is related to Rate. Rate is related to Grade. 
Loyalty --IsA--> Virtue <--RelatedTo--> Characteristic <--RelatedTo--> Age 
Owe <--IsA-- Mortgage <--RelatedTo--> Rate <--RelatedTo--> Grade 