Stores preconfigured XML templates for Merchant configuration. XML configurations are, roughly, serialized Merchant Account Profile objects that can be used to configure (in a similar way) any given Merchant.
All templates in the directory are visible within the application on Quick Account and Modify Merchant Account Profile forms. All configurations saved from the application go into this directory as well.
In order to make templates accessible to the application, they must be placed into $app-home/resources/account-templates directory on the server.