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 bank licensees and Islamic bank licensees respectively, were issued in July 2004 and January 2005; Volume 3, covering insurance licensees, was issued in April 2005. This Volume (Volume 4), was issued in April 2006. Finally, Volumes 5 (covering specialised licensees), and Volume 6 (capital markets), will be issued at a later date.