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·         The Certificate is nominal and may not be negotiated, endorsed, transferred, discounted, pledged or disposed of via any form of ownership transfer.

·         Currency: Egyptian pound.

·         Term: 3 years as of the business day following the purchase date.

·         Denomination: EGP 1,000 and its multiples.

·         Targeted customers: natural persons (adults and minors) only.

·         Interest rate: for interest rates, click here.

·         Type of interest rate: variable and above CBE's deposit rate (Bid Corridor) by 0.25%, to be applied to all existing and new customers as of the business day following the change of CBE's deposit rate.

·         Interest disbursement frequency: Interest is paid quarterly, accruing as of the business day following the purchase date.

·         Redemption:

o   The Certificate is redeemable only 6 months as of the business day following the purchase date.

o   The Certificate is fully redeemable in nominal value as at maturity date. However, it may be prematurely redeemed in accordance with the applicable redemption rates.

o   Customer may borrow against these certificates from any NBE branch in accordance with the applicable regulations and interest rates on the date of borrowing.

o   All types of credit cards may be issued against the certificate.

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