1- In resource mobilization contracts based on a Gharzol-Hasaneh contract (current and savings deposits), it is sufficient to explain to a customer that the deposit is a Gharzol-Hasaneh loan and a credit institution is not obligated to pay interest.

Note 1: In Gharzol-Hasaneh loan savings deposits, it is necessary to explain the credit institution's non-obligation to hold a lottery and award prizes to the customer.

Note 2: In Gharzol-Hasaneh loan deposits, granting any privileges to the customer is subject to the credit institution's non-obligation.

2- In resource mobilization contracts based on a power of attorney contract (term-based investment deposits), it is important to explain to the customer the nature of the power of attorney of the deposit and the credit institution is the customer's agent for utilizing resources and profit sharing. Also, in these types of deposits, it is necessary to explain to the customer the nature of the interim and definite profit.

3- In resource allocation contracts in the form of exchange contracts, in addition to explaining the nature of the contract to the customer, the following issues are considered important in the contract and it is necessary to have a correct understanding of them: the subject of the contract, the profit rate, the number and amount of installments, and the liability for late payment of the debt.

4- In resource allocation contracts in the form of partnership agreements, in addition to explaining the nature of the contract to the customer, the following issues are considered important in the contract and it is necessary to have a correct understanding of them: the subject of the contract, the parties' profit share, the partnership period, and the liability for late payment of debt.

5- If a credit institution decides to include various options in contracts with customers, it is obligated to clarify and explain the options.

6- In addition to the verbal explanation of the main provisions of the contracts by the credit officers to the customers, credit institutions should use different and diverse methods for this purpose. For each contract, a non-technical summary of the nature of the contract and its main points shall be prepared in plain language and provided to the customer in addition to the main contract.