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

2. Business Account Provisions: Special provisions for business joint accounts, used when the account is for business purposes

3. Minor Account Holder: Special provisions when one of the account holders is a minor, including guardian responsibilities

4. Power of Attorney: Provisions regarding the appointment and authority of attorneys, used when POA is permitted

5. Online Banking Services: Specific terms for digital banking access and operations, used when online banking is provided

6. Survivorship Rights: Special provisions for survivorship rights, used when specifically requested by account holders

1. Schedule 1 - Account Details: Specific details of the joint account including account type, currency, and initial deposit

2. Schedule 2 - Authorized Signatories: List of authorized signatories and their signing powers

3. Schedule 3 - Fee Schedule: Detailed breakdown of all applicable fees and charges

4. Appendix A - Required Documents: List of required documentation for account opening and operation

5. Appendix B - Specimen Signatures: Specimen signatures of all account holders and authorized signatories

6. Appendix C - Operating Instructions: Detailed instructions for account operation including transaction limits and special conditions