Your best chance of winning millions!

FirstSavings Certificate is a unique savings program from First Gulf Bank that ensures guaranteed interest on your savings and gives you a chance to win exciting prizes throughout the year. With no lock in period, no entry and exit fees, our unique savings program also rewards you for savings on a long term basis. This means the more and longer you save, the better your chances of winning. With a total of 24,822 prizes, including 5 daily prizes, 1,916 monthly prizes and a quarterly prize of AED 1,000,000; it truly is your best chance of winning millions.
Product Features:

• Invest in FirstSavings Certificate and get a chance to win:
• 5 prizes every day of AED 1,000 each
• 1,916 prizes every month of up to AED 50,000
• 1 prize every quarter of AED 1 million
• Accumulate loyalty points – the more and longer you save, the better your chances of winning
• Earn a guaranteed interest on monthly basis
• No lock in period and no entry or exit fees

Disclaimer: FGB retains the right to change/alter the program at anytime. FGB decision will be final in all aspects of the programs.

Prize Structure:

Daily	Monthly	Quarterly
5 prize of AED 1,000	1 Prize of AED 50,000	1 Prize of AED 1,000,000
	5 Prizes of AED 10,000
	10 Prizes of AED 5,000
	1,500 Prizes of AED 100
	400 Prizes of AED 50

Draw Eligibility: As soon as your FirstSavings Certificates are issued, you become eligible to take part in the daily and monthly draws. Entry to quarterly 1 million draw is subject to a minimum holding value of AED 5,000 (500 units). Then every unit that is held for 30 days will enter the quarterly million prize draw. The draw eligibility is illustrated below:

Unit Value for Draw	Daily	Monthly Draw	Quarterly Draw
AED. 100	Yes	Yes	No
AED. 5000	Yes	Yes	Yes

More Chances to Win:

Increase your chances by (i) increasing your FirstSavings certificate holdings and (ii) by keeping them for a longer period of time. Each certificate will earn an additional draw chance for every 30 days of holding period leading to a maximum of 5 chances. Thus, the longer you hold your certificates, the more chances you earn for the monthly draw. Your chances of winning are illustrated as follows:

Monthly Draw: Additional Chances	Period held
1	30 days
2	60 days
3	90 days
4	120 days
5	150 days

However, for the quarterly draws, the first additional chance will be earned after holding period of 90 days and then subsequent additional chances every 30 days. Your chances of winning are illustrated as follows:

Quarterly Draw Chances	Period held
1	90 days
2	120 days
3	150 days
4	180 days
5	210 days

Draw Dates:

• Daily Draw: Every day. Draws for the weekend are conducted on Sunday.
• Monthly Draw: Monthly draw is conducted within first week of every month.
• Quarterly Draw: First draw will be held in April 2013 thereafter every 3 months e.g. July, Oct etc

Eligibility:

• Individuals only
• UAE nationals or UAE residents with valid residence visa
• Applicant should be 21 years of age or above
• In case of a minor, legal guardian is required to purchase the certificates

Documentation:

• Fully completed application form
• Emirates ID or valid passport copy and visa for UAE residents
• Emirates ID, valid passport copy and visa or driving license (copy duly verified from original) for UAE Nationals only
• Emirates ID or passport copies of minors along with purchaser’s ID

Charges:

• Subscription Fee: There is no subscription fee for FirstSavings certificates.
• Redemption Fee: Redemption is free of charge.
• Early Exit Fee: There is no early exit fee. You can withdraw your funds whenever you want to.

For more details, walk in to any of the UAE Exchange branches in the UAE or log on to http://www.fgb.ae. or call us at 600 555 550 (Valid in UAE only). For call back service, send an SMS message to 6000 (both Etisalat and Du)