On request

Competitive returns for large, bespoke investments.

Your profit is calculated monthly and paid on maturity.

Once you have made the application, we will make you a deposit offer that we can invest the money as your agent for a fixed fee. The deposit offer states the expected profit rate, investment term and the expected profit rate on your deposit. We will be entitled to any profit generated from the investment over the expected profit rate offered to you.

To make an application you will need to complete a Wakala Treasury Deposit Account instruction form and appoint us as your agent to invest the funds. Once you have made the application, we will make you a deposit offer that we can invest the money as your agent for a fixed fee. Once you have accepted the offer and we have received the funds, we will set up the account and you will receive a confirmation letter.

You must:

• Be an existing Premier or Commercial customer
• Be able to deposit a minimum of £250,000
• Also available in US Dollars and Euros (the minimum amount for foreign currency deposits should be an equivalent value of £250,000, calculated using the currency exchange rate on the date of the deposit if it is a foreign currency deposit)

You can apply for a Wakala Treasury Deposit Account by contacting your existing Relationship Manager.

For your own benefit and protection, you should carefully read the Wakala Treasury Deposit Account Special Conditions, Consumer Banking Terms and Conditions and Wakala Treasury Deposit product information leaflet before you complete the application. These documents and other important documentation can be found in the Forms and leaflets and Further information sections.

You can make a deposit in any of the following ways:

• Transfer funds from another account in your name
• Send a cheque to Al Rayan Bank PLC, PO Box 12461, Birmingham, B16 6AQ with your account number written on the back.

You can manage your account through our secure Mobile Banking app.

Click to download the Digital Banking app.

You will not be able to terminate the agreement, add or withdraw funds before the maturity date.

When your Wakala Treasury Deposit matures, we will pay you back your initial deposit, plus the expected profit amount agreed at the outset. We will credit the funds to your Al Rayan Bank current or savings account according to your preference.

If you need to contact us for any reason, please contact your Relationship Manager.

Once you have paid your deposit into your Wakala Treasury Deposit, you will not be able to close the account or withdraw any of your funds before the date of maturity.