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1. Joint Accounts: Rules for joint account operation, needed when account allows multiple holders

2. Foreign Currency Services: Terms for foreign currency transactions, required for accounts offering foreign currency facilities

3. Islamic Banking Provisions: Specific terms for Sharia-compliant accounts, needed for Islamic banking products

4. Minor Accounts: Special provisions for accounts held by or for minors

5. Corporate Accounts: Additional terms for business accounts, including authorized signatories

6. Electronic Banking Services: Detailed terms for internet and mobile banking services if offered

7. Overdraft Facility: Terms and conditions for overdraft services if available

8. Special Account Types: Specific provisions for savings, fixed deposit, or other special account types

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

2. Schedule 2: Interest Rate Sheet: Current interest rates and calculation methods

3. Schedule 3: Required Documentation: List of required KYC and account opening documents

4. Schedule 4: Electronic Banking Terms: Detailed terms for electronic banking services

5. Appendix A: Account Opening Form: Standard account opening form template

6. Appendix B: Specimen Signature Card: Format for recording authorized signatures

7. Appendix C: Data Protection Statement: Detailed privacy policy and data handling procedures