(i.e. to honor customers' withdrawals) only if and when able. A further complication is that at least some conventional banks do pay a modest interest on their demand/savings deposits. In order to compete with them, Islamic banks sometimes provide an incentive of a Hibah (literally "gift") on the balance of the customers' savings accounts. In Iran, qard al-hasanah deposit accounts are permitted to provide a number of incentives in lieu of interest, including: "grant of prizes in cash of kind, reductions in or exemptions from service charges or agents' fees payable to banks, and according priority in the use of banking finances." Like dividends on shares of stock, hibah cannot be stipulated or legally guaranteed in Islam, and is not time bound. Nonetheless, one scholar (Mohammad Hashim Kamali) has complained: "If Islamic banks routinely announce a return as a 'gift' for the account holder or offer other advantages in the form of services for attracting deposits, this would clearly permit entry of riba through the back door. Unfortunately, many Islamic banks seem to be doing precisely the same as part of their marketing strategy to attract deposits." Wadiah and Amanah Two other contracts sometimes used by Islamic finance institutions for pay-back-on-demand accounts instead of qard al-hasanah, are Wadi'ah (literally "safekeeping") and Amanah (literally "trust"). (The Jordan Islamic Bank uses Amanah (trust) mode for current accounts/demand deposits, the bank may only use the funds in the account at its "own risk and responsibility" and after receiving permission of the account owner.) Sources disagree over the definition of these two contracts. "Often the same words are used by different banks and have different meanings," and sometimes wadiah and amanah are used interchangeably. Regarding Wadiah, there is a difference over whether these deposits must be kept unused with 100 percent reserve or simply guaranteed by the bank. Financialislam.com and Islamic-banking.com talk about wadiah deposits being guaranteed for repayment but nothing about the deposit being left the untouched/uninvested. Reuters Guide to Islamic finance glossary, on the other hand, states that in wadia "... the trustee does not have rights of disposal." But according to Reuters there is a contract called Wadia yadd ad daman which is used by Islamic Banks "to accept current account deposit", and whereby the bank "guarantees repayment of the whole or part of the deposit outstanding in the account when repayment is due", and nothing about not having rights of