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1. Joint Accounts: Terms specific to accounts with multiple holders, used when account has multiple parties

2. Business Accounts: Additional terms for business customers, used for corporate or business accounts

3. Foreign Currency Services: Terms for foreign currency transactions and accounts, included if foreign currency services are offered

4. Overdraft Facility: Terms governing overdraft services, included if overdraft services are available

5. Standing Orders and Direct Debits: Rules for recurring payment arrangements, included if these services are offered

6. Special Account Types: Terms for specific account types like savings or fixed-term deposits, included based on account type

7. Third-Party Payment Services: PSD2-related terms for third-party payment services, included if relevant

8. Mobile Payment Services: Terms for mobile payment solutions, included if mobile payments are offered

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

2. Schedule 2: Interest Rate Sheet: Current interest rates for different account types and balance tiers

3. Schedule 3: Cut-off Times: Processing times and cut-off times for various transaction types

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

5. Appendix A: Privacy Notice: Detailed privacy notice compliant with GDPR requirements

6. Appendix B: Security Guidelines: Detailed security procedures and recommendations for account holders

7. Appendix C: Complaints Procedure: Step-by-step guide for filing and resolving complaints