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Cantact Us
Investments Certificates
Empowering Your Financial Growth with Expert Solutions
Investment Certificate Advantages:
- Guaranteed Financial Return: Investment certificates offer a guaranteed financial return for a specific period.
- Easy Issuance: Anyone can easily open an account and invest in investment certificates without needing advanced financial expertise.
- Profit Distribution: Based on the customer's preference, profits can be distributed in different ways (e.g., upfront, monthly, or annually).
- Profit Calculation Start: Profits are calculated starting from the business day following the deposit.
- Card Issuance: A special card is issued to the customer to withdraw returns from any ATM or through dedicated outlets (according to the customer's preference).
- Return Calculation: Returns are calculated based on the deposited amount and the rate announced by the bank.
- Exemption from Fees: Account opening is exempt from fees.
- Certificate Document: The customer receives a document confirming receipt of the deposit amount with all details.
- Access to Financing: Customers can obtain financing secured by the deposit, up to 70% of its value, during the deposit period.
Terms and Conditions:
- Redemption Restrictions: If the customer chooses to redeem the certificate within 6 months of purchase, the request will be subject to a 15-day cooling-off period. Returns will be forfeited, and the bank's announced rules and conditions will apply.
- Full Redemption Value: The certificate can be redeemed before its maturity date in accordance with the bank's rules, and will be redeemed at its full face value upon maturity.
- Minimum Purchase: The minimum purchase amount for the certificate is 1,000,000 Dinars.
- Non-Transferable: The certificate is registered and non-transferable, and is issued exclusively to the certificate holder.
- Customer Responsibility: The customer is solely responsible for the information provided to the bank.
- Document Loss: In case of loss of the document, the bank is not responsible, and the customer must notify the bank immediately.
