‹ RM-2.2.21 RM-2.2.23 › RM-2.2.22 With respect to Subparagraph RM-2.2.21, the Islamic bank licensee may enter into a purchase contract with a supplier on a "sale or return" basis, with an option to return the purchased item within a specified period. January 2013 ‹ RM-2.2.21 RM-2.2.23 ›