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1. Islamic Banking Provisions: Additional terms for Sharia-compliant accounts, used when the account is an Islamic banking product

2. Joint Account Provisions: Additional terms for joint accounts, included when the account has multiple holders

3. Digital Banking Services: Terms for online and mobile banking services, included when digital services are offered

4. Corporate Account Provisions: Special terms for corporate accounts, used when the account holder is a business entity

5. Minor Account Provisions: Special terms for accounts held by or for minors, included when applicable

6. Foreign Currency Accounts: Additional terms for foreign currency accounts, included when foreign currency services are offered

7. Wealth Management Services: Terms for investment and wealth management services, included for premium accounts

1. Schedule 1: Fee Schedule: Detailed breakdown of all applicable fees, charges, and commissions

2. Schedule 2: Required Documentation: List of required documents for account opening and maintenance

3. Schedule 3: Banking Services: Detailed description of available banking services and their terms

4. Schedule 4: Digital Banking Terms: Specific terms and conditions for digital banking services

5. Appendix A: Declaration Form: Customer declarations and acknowledgments

6. Appendix B: Specimen Signatures: Signature specimens for authorized signatories

7. Appendix C: Terms for Special Services: Terms for additional services like safe deposit boxes or premium banking