The Rulebook is divided into 6 Volumes, covering different areas of financial services activity. These Volumes are being progressively issued. Volumes 1 and 2, covering conventional and Islamic bank licensees respectively, were issued in July 2004 and January 2005. This Volume (Volume 3), was issued in April 2005. Volume 4, covering investment business, was issued in April 2006. Finally Volumes 5 (covering specialised licensees), and Volume 6 (capital markets) will be issued at a later date.