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1. Online Banking Services: Terms for digital banking access and operations, optional if electronic services are not required

2. International Transactions: Provisions for international banking operations, required only if foreign transactions are permitted

3. Special Instructions: Section for any specific operating instructions agreed between the parties, used when standard operations differ

4. Power of Attorney: Provisions for appointing representatives, included when POA arrangements are needed

5. Business Account Provisions: Additional terms for business joint accounts, required only for business customers

6. Zakat Provisions: Specific terms regarding Zakat calculations and payments, required for accounts subject to Zakat

1. Schedule 1 - Authorized Signatories: List of authorized signatories and their signing powers

2. Schedule 2 - Fee Schedule: Detailed breakdown of all applicable fees and charges

3. Schedule 3 - Operating Instructions: Specific instructions for account operation and transaction limits

4. Appendix A - Required Documentation: List of required KYC and regulatory documents

5. Appendix B - SAMA Declarations: Mandatory declarations required by Saudi Central Bank

6. Appendix C - Specimen Signatures: Specimen signatures of all account holders and authorized signatories