1. General campaign terms and conditions
2. Fresh funds eligibility
3. Weekly draw terms
4. Grand draw terms
5. Examples and scenarios
6. Prizes
7. Winner notification & prize fulfilment
8. Draw schedules (Annex)

1. General campaign terms and conditions

Criteria	Terms and Conditions
Campaign start date	The Campaign starts on 23 August 2026 till 22 November 2026.
Eligible customers	FABMISR new and existing customers can participate in the campaign, subject to the applicable eligibility criteria. FABMISR customers who place funds in the mentioned Islamic liabilities products will qualify to enter the draw..
Minor customers	Minor customers can participate in the campaign, subject to eligibility criteria. The prize shall be awarded to the minor’s legal guardian.
Joint accounts	The prize may be awarded to any one of the account holders, provided that a written clearance/consent letter signed by all joint account holder(s), authorizing the designated winner to receive the prize, is submitted to the bank. Failure to provide such authorization shall result in the disqualification of the winning account.
Eligibility validation	All customer’ eligibility and draw entries are subject to validation by FABMISR before the relevant draw.
Draw execution	The draw will be conducted under the supervision and in the presence of representatives from the Ministry of Social Solidarity.

2. Fresh funds eligibility

Criteria	Terms and Conditions
Eligible products	Fresh funds must be placed in an Islamic Wakala Daily Saver Account – Individuals or Mudaraba Certificate of Deposit. (Local currency only)
Fresh funds	Fresh funds means new money introduced into FABMISR from outside the Bank during the Campaign Period and placed in an eligible Campaign product.
Qualifying sources	Fresh funds may include cash deposits, inward transfers from other banks, international inward transfers and then transfers to eligible campaign accounts and qualifying cheques from outside FABMISR, subject to successful processing and validation.
Ineligible funds	Existing balances, internal transfers between FABMISR accounts, renewals/extensions of existing deposits or savings certificates, returns/maturities of existing products, financing proceeds, or any funds that do not represent new money transferred from outside FABMISR shall not be considered fresh funds for the purpose of the campaign.
Campaign baseline	Only the eligible incremental balance exceeding the applicable customer baseline shall be considered fresh funds.
Fresh funds aggregation	Eligible fresh funds received through multiple qualifying external transactions may be aggregated at customer level.
Minimum fresh funds	The minimum qualifying fresh funds amount is EGP 100,000. For the purpose of calculating draw entries, the qualifying fresh funds amount shall be rounded down to the nearest EGP 100,000.
Balance reduction	Any withdrawal or reduction in qualifying fresh funds may reduce the qualifying amount and, consequently, the number of draw entries associated with such funds.

3. Weekly Draw – Terms and Conditions

Criteria	Terms and Conditions
Draw frequency	Weekly draws shall take place according to the announced weekly draw schedule.
Minimum funds holding period	Qualifying fresh funds must be maintained for a minimum of 30 calendar days, starting from the applicable qualifying fresh funds placement date.
Balance requirement	Qualifying fresh funds must be maintained until the specified cut-off date for the relevant weekly draw.
Fresh funds entries	One (1) draw entry shall be granted for every minimum of EGP 100,000 of qualifying fresh funds.
Continuation of entries	Eligible, approved, and non-winning entries based on fresh fuds may remain eligible for subsequent weekly draws, provided that the applicable eligibility criteria continue to be met.
Maximum weekly prize	Each customer may win a maximum of one (1) weekly prize throughout the campaign period.
Weekly Winner and Grand Draw	Winning a weekly prize does not prevent the customer from participating in the monthly draw, subject to meeting the eligibility criteria for the monthly draw.

Please refer to Annex 1 for the weekly draw dates and corresponding fresh funds eligibility periods.

4. Grand Draw – Terms and Conditions

Criteria	Terms and Conditions
Draw frequency	The monthly grand draws shall be conducted in accordance with the announced monthly draw schedule.
Minimum funds holding period	Qualifying fresh funds must be maintained for a minimum of 90 calendar days, starting from the relevant date on which the funds are deposited and become eligible.
Balance requirement	Qualifying fresh funds must be maintained until the specified eligibility date for the relevant monthly draw.
Fresh funds entries	One (1) raffle entry shall be granted for every EGP 100,000 of qualifying fresh funds.
Grand prize limitation	Each customer may win a maximum of one (1) Grand Prize (monthly prize) throughout the campaign period.

Please refer to appendix 1 for the monthly draw dates.

 

5. Examples & Scenarios

Scenario	Example
Fresh funds – multiple transactions	The customer receives EGP 80,000 from outside FABMISR on 23 August 2026 and EGP 20,000 on 24 August 2026. The customer therefore reaches the minimum required fresh funds amount of EGP 100,000 on 24 August 2026. Accordingly, 24 August 2026 shall be considered the eligible date from which the applicable holding period starts: 30 days for the weekly draw and 90 days for the grand draw (monthly).
Weekly draw	Fresh funds placed between 23–27 August 2026 and maintained until 27 September 2026 qualify for the 29 September 2026 weekly draw, subject to the campaign criteria.
Monthly draw	Fresh funds placed between 23 August–21 September 2026 and maintained for 3 months will qualify for the 22 December 2026 grand draw, subject to the campaign criteria.
Entry calculation	Customer maintains EGP 650,000 qualifying Fresh Funds → 6 fresh funds-based entries. Multiple entries apply to the grand draw (monthly) only.
Balance reduction	Qualifying Fresh Funds decrease from EGP 650,000 to EGP 520,000 → applicable fresh funds-based entries become 5. Multiple-entry calculation applies to the grand draw (monthly) only.

6. Prizes

Prize Type	Prize	Prize Value
Weekly Prizes	Gold coins
Grand prize	Cash value of the car	EGP 1,500,000 inclusive of taxes

7. 7. Winner notification and prize delivery

Criteria	Terms and Conditions
Winner notification	Verified winners will be contacted using their registered contact details and informed of their winning status
Identity verification & prize collection	Winners must successfully complete the bank’s identity verification and provide the required documents. Prizes will be handed over at FABMISR Head Office.
Winner disqualification	If a winner’s identity cannot be successfully verified, the winner declines the prize, or the winner cannot be reached after three (3) contact attempts in the presence of a representative from the Ministry of Social Solidarity, the selected winner will be disqualified and the prize will be handled in accordance with the Bank’s approved procedures.

General Terms & Conditions

• In case a selected winner is disqualified, the prize shall be awarded to the next eligible winner according to the draw results
• The Bank shall have the sole discretion to determine whether deposited funds qualify as fresh funds for the purposes of the campaign
• Each customer shall be eligible to win a maximum of one Weekly Prize and one Grand Prize throughout the campaign
• The Bank shall have the sole discretion to disqualify any winner in case of non-compliance with applicable bank’s policies or governing terms and conditions.
• For the EGP 1,500,000 monthly prize, the prize amount shall be used solely for the purchase of the car. The prize amount will not be paid directly to the winning customer in cash; instead, FABMISR will settle the applicable car purchase amount directly with any eligible auto dealer assigned by the Bank.
  • In case the purchase price of the selected car is lower than EGP 1,500,000, the remaining balance of the prize amount will not be paid to the customer.
  • In case the purchase price exceeds EGP 1,500,000, the customer shall bear the difference.
• Employees of FABMISR and Lime Consumer Finance are not eligible to participate in this Campaign.

8. Draw Schedules (Annex)

Annex 1 – Weekly Draw Schedule

Weekly Draw Date	Fresh Funds Placed From	Fresh Funds Placed Till	Funds to be Maintained Until
Tuesday, 29 September 2026	23 August 2026	27 August 2026	27 September 2026
Tuesday, 6 October 2026	23 August 2026	3 September 2026	4 October 2026
Tuesday, 13 October 2026	23 August 2026	10 September 2026	11 October 2026
Tuesday, 20 October 2026	23 August 2026	17 September 2026	18 October 2026
Tuesday, 27 October 2026	23 August 2026	24 September 2026	25 October 2026
Tuesday, 3 November 2026	23 August 2026	1 October 2026	1 November 2026
Tuesday, 10 November 2026	23 August 2026	8 October 2026	8 November 2026
Tuesday, 17 November 2026	23 August 2026	15 October 2026	15 November 2026
Tuesday, 24 November 2026	23 August 2026	22 October 2026	23 November 2026
Tuesday, 1 December 2026	23 August 2026	29 October 2026	29 November 2026
Tuesday, 8 December 2026	23 August 2026	5 November 2026	6 December 2026
Tuesday, 15 December 2026	23 August 2026	12 November 2026	13 December 2026
Tuesday, 22 December 2026	23 August 2026	19 November 2026	20 December 2026

Annex 2 – Grand Draw Schedule

Draw Date	Fresh Funds Placed From	Fresh Funds Placed Till	Condition
Tuesday, 22 December 2026	23 August 2026	21 September 2026	Maintain the qualifying funds for a minimum of 90 days from the date of deposit.
Tuesday, 26 January 2027	22 September 2026	21 October 2026	Maintain the qualifying funds for a minimum of 90 days from the date of deposit.
Tuesday, 23 February 2027	22 October 2026	19 November 2026	Maintain the qualifying funds for a minimum of 90 days from the date of deposit.