1. Electronic Banking Services: Include when digital banking services are part of the agreement

2. Multi-Currency Services: Include for accounts handling multiple currencies

3. Group Account Structures: Include for corporate clients with multiple related accounts

4. Interest Calculations: Include for interest-bearing accounts

5. Overdraft Facilities: Include when overdraft services are offered

6. Special Instructions: Include for accounts requiring specific handling instructions

7. Third-Party Access: Include when third-party access or operations are permitted

8. Force Majeure: Include for sophisticated clients or high-value accounts

1. Schedule 1 - Fee Schedule: Detailed breakdown of all applicable fees and charges

2. Schedule 2 - Authorized Signatories: List of authorized persons and signature specimens

3. Schedule 3 - Service Level Agreement: Specific service standards and performance metrics

4. Schedule 4 - Account Operating Instructions: Detailed operational procedures and requirements

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

6. Appendix A - KYC Requirements: List of required KYC documents and compliance requirements

7. Appendix B - Banking Hours and Cut-off Times: Operating hours and transaction cut-off times

8. Appendix C - Contact Details: Key contact information for both parties