We may, without further notification to you, provide Islamic banking products or facilities or carry out transactions with or for you:

• in which we have a direct or indirect interest;
• in circumstances where we have a relationship with another party which does or may create a conflict with a duty that we may owe to you;
• in circumstances where we may act as market maker;
• which relate to the provision of brokerage services to you and/or to any other person;
• which involve us acting as financial adviser, banker or otherwise providing services to an issuer;
• in which we act as agent for more than one person; or
• in which we earn profits from any of the activities listed above.

For our own account and benefit, we will be entitled to the extent permitted by applicable laws including Shari’ah principles and without giving further disclosure, to accept and retain any profit, rebate, brokerage, commission, fee, benefit, discount and/or other advantage arising out of or in connection with any Islamic banking products or facilities or transaction. In case of any conflict, Shari’ah principles as interpreted by our Internal Shari’ah Supervision Committee will supersede.