1. IDENTIFY PARTIES: Depositor (a, C.g. Mr. Ahmed) Custodian (e.g., Islamic Bank)

2. OFFER & ACCEPTANCE: Depositor offers to deposit funds for safekeeping Custodian accepts the offer

3. LAWFUL SUBJECT MATTER & SANE PARTIES• Deposit must be lawful (halal), identifiable, and acquirable,• Both parties must be sane, of sound mind, and minors

4. PURPOSE IS SAFEKEEPINGFunds are deposited only for safekeeping, no guaranteed profit

5. TRUST (AMANAH) NATURE• Custodian acts as a trustee or exercises reasonable care in safeguarding deposit

6. LIABILITY IN CASE OF LOSS 2CUSTODIAN USES FUNDS Liable if negligence/misconduct• No profit or fixed return guaranteed to the DepositorOtherwiseDEFAULT LOSS HANDLING• Loss is Custodian's error 1. Liable if negligence/misconduct• Otherwise Custodian not responsible for loss

7. Permission To Use Fuds With Permission• Custodian may utilize funds with Depositor's permission

CUSTODIAN USES FUNDS (OJJ); WADIAH YAD DHAMANAH

Custodian Uses. Funds With Permission?• Custodian guarantees principal amount (liable for loss)• Hibah (gift to depositor optional (no obligation))

Custodian Uses Funds With Permission• Custodian guarantees principal amount (liable for loss)• Hibah (gift to depositor optional (no obligation))

9. RETURN ON DEMAND• Depositor can demand full return of deposit anytime

CONTRACT ENDSWhen the Depositor receives their Funds back in full

wadiah