The Rulebook is divided into 5 Volumes, covering different areas of financial services activity. Volume 1 (Conventional Banks) covers all conventional banks licensed by the Agency. Islamic banks are covered in Volume 2. Volume 3, covering insurance licensees, was issued in April 2005. Volume 4 is being issued in two phases, starting in April 2006. Representative offices of banks and specialised licensees are in Volume 5, which will be issued in 2007.