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

2. Joint Account Operations: Additional terms for jointly held accounts, included when account allows multiple holders

3. Digital Banking Services: Terms for online and mobile banking services, included when digital access is provided

4. Foreign Currency Accounts: Special provisions for foreign currency accounts, included for FCY accounts

5. Minor Accounts: Special provisions for accounts held by minors, included for accounts opened for minors

6. Zakat Deduction: Terms regarding Zakat deduction, included for applicable accounts

7. Standing Instructions: Terms for recurring payment or transfer instructions, included if service offered

8. Dormancy and Unclaimed Deposits: Specific provisions for dormant accounts as per SBP regulations

1. Schedule of Charges: Detailed list of all applicable fees and charges

2. Interest/Profit Rate Schedule: Current interest or profit rates for different account types and balances

3. Required Documents Checklist: List of required documentation for account opening and maintenance

4. Digital Banking Features: List of available digital banking services and their limits

5. Specimen Signature Card: Format for recording authorized signatures

6. Product Features: Specific features and benefits of different account types