• The campaign targets all existing Crédit Agricole Egypt customers, New-to-Bank customers, New-to-Bank customers,
• And specifically features tailored offers for Youth customers.

• To enter, you must increase your fresh funds by a minimum of EGP 20,000 and book it into an Egyptian Pound Certificate of Deposit.
• Every EGP 20,000 increase qualifies as one entry chance.

Fresh funds are measured by the net increase in your Local Currency Assets Under Management (LCY AUM) across two distinct tracking periods:

• First Draw: The increase in LCY AUM at the end of September 2026 compared to the end of July 2026.
• Second Draw: The increase in LCY AUM at the end of December 2026 compared to the end of September 2026.

• There will be a total of 20 winners who will each receive a 10g Golden Bar.
• The draw will take place 2 times throughout the campaign.

• Identification: Winners must possess a valid National ID.
• Account Status: Customers with any active legal or block actions on their accounts, as well as deceased customers, are disqualified from winning.
• Unreachable Winners: If a winner cannot be reached, an alternative winner will be selected.
• Claim Deadline: The winner’s right to claim the prize lapses after 90 days from the date of being notified of winning the prize.
• Publicity: The bank reserves the right to disclose winners’ names and photograph the award ceremony for promotional and transparency purposes.

• Yes. Existing customers can enter the draw in both phases, and New-to-Bank customers can qualify for the cashback in both phases,
• provided they increase their fresh funds during the second phase of the campaign (evaluating LCY AUM growth at the end of December 2026 vs. end of September 2026).

• Yes. The draw mechanism is cumulative. Every additional EGP 20,000 of fresh funds booked into a CD grants you one extra chance (e.g., EGP 100,000 gives you 5 chances).

• This offer is exclusively for New-to-Bank customers (including Youth NTB) who increase their fresh funds by a minimum of EGP 20,000 and book it into an EGP Certificate of Deposit.

Formula: (CD Booked Amount × CD Interest Rate) ÷ 12 = Cashback Amount.

• Eligible customers receive a one-time cashback equivalent to 1 month of interest on their newly booked CD, capped at a maximum of EGP 20,000.
• Example: If you open an NTB CD for EGP 100,000 at a 16% interest rate, your cashback will be: (100,000 × 0.16) ÷ 12 = EGP 1,333.33.

The cashback payouts will occur in two phases based on when the fresh funds are evaluated:

• First Phase: Credited during October 2026 (reflecting growth from end-of-September vs. end-of-July).
• Second Phase: Credited during January 2027 (reflecting growth from end-of-December vs. end-of-September).

• All New-to-Bank Youth accounts opened during the campaign will automatically receive a welcome bonus of 200,000 Happy Points.

• Yes! In alignment with the bank’s 20th anniversary, any NTB Youth customer who is exactly 20 years old (Born in the year 2006)
• at the time of account opening will receive an additional 200,000 Happy Points, resulting in a grand total of 400,000 Happy Points.