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1. Islamic Banking Provisions: Specific provisions ensuring Sharia compliance, required for Islamic banking services

2. Electronic Banking Services: Terms for online and mobile banking services, if offered

3. Foreign Currency Accounts: Additional terms for foreign currency accounts, if applicable

4. Corporate Banking Services: Specific provisions for corporate clients, if applicable

5. Credit Facilities: Terms for any associated credit facilities, if offered

6. Standing Orders and Direct Debits: Terms for automated payment services, if provided

7. Joint Account Provisions: Additional terms for joint accounts, if applicable

8. Special Categories of Accounts: Provisions for special account types (e.g., minor accounts, charity accounts)

1. Schedule 1 - Account Details: Specific details of accounts covered by the agreement

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

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

4. Schedule 4 - Banking Hours and Cut-off Times: Operating hours and transaction cut-off times

5. Schedule 5 - Electronic Banking Terms: Detailed terms for electronic banking services

6. Schedule 6 - Required Documentation: List of required documents for account opening and maintenance

7. Appendix A - Account Opening Forms: Standard forms for account opening

8. Appendix B - Operation Mandates: Standard forms for operation mandates and instructions

9. Appendix C - SAMA Compliance Checklist: Checklist ensuring compliance with SAMA regulations