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1. Islamic Banking Principles: Required for Islamic savings accounts, explaining Shariah-compliant features and profit-sharing mechanisms

2. Joint Account Operations: Include when account allows multiple holders, detailing operational instructions and survivor clause

3. Minor Accounts: Required when account holder is a minor, specifying guardian's role and transition at majority

4. Foreign Currency Operations: Include for foreign currency savings accounts, detailing exchange rate mechanisms and special regulations

5. Zakat Deduction: Required for Muslim account holders, explaining Zakat calculation and deduction procedures

6. Special Features: For premium or specialized savings accounts with additional benefits or services

7. Digital Banking Services: Required if account includes mobile/internet banking features

1. Schedule A - Fee Structure: Detailed breakdown of all applicable fees, charges, and minimum balance requirements

2. Schedule B - Interest/Profit Rates: Current interest/profit rates and calculation examples

3. Schedule C - Required Documents: List of documents required for account opening and KYC compliance

4. Schedule D - Digital Banking Terms: Terms and conditions for electronic banking services

5. Appendix 1 - Account Opening Form: Standard account opening form with customer information fields

6. Appendix 2 - Specimen Signature Card: Format for recording authorized signatures

7. Appendix 3 - Zakat Declaration Form: Declaration form for Zakat exemption if applicable