• The certificate tenor is 3 years and it can be automatically renewed at the end of its duration unless otherwise notified in writing by the customer before its maturity date.
• The certificate can be issued in a denomination of EGP 1000 and its multiples. The return is calculated as from the first day of the month following that of the purchase.
• The return is calculated at the end of each quarter based on actual business results of the Bank.
• The certificate can be purchased by all Egyptians and other nationalities without a maximum limit, and the return on such certificate is more than the return on General Investment Account.
• The certificate value can be redeemed before maturity date after 6 months at least of the purchasing date in accordance with the Bank's redemption regulations.
• The return on each certificate shall be automatically credited to the customer’s current account during the month following the end of each quarter, unless the customer asked in writing not to be credited to investment account when the minimum limit of such account is reached.
• Owners of the certificates can carry out investment transactions with the Bank guaranteed by these certificates based on the Bank's terms and conditions.
• Owners of the certificates can take part in draws of Umrah (Lesser pilgrimage) awards made by the Bank twice a year, provided that the certificate amount shall not be less than EGP 5000.
  
   

Terms and conditions