This fatwa acknowledges that shari'a financial institutions accumulate funds through savings, deposits, and account transfers, pursuant to shari'a-friendly contracts. Moreover, that in order to attract the public's interest in their products, shari'a financial institutions offer their customers rewards as promotions, as well as for customer loyalty. The fatwa concludes that promotional rewards may be an item or a service, but not a sum of a money. That item or service must be halal. The shari'a financial institution may set conditions vis-a-vis receipt of the reward, provided those conditions are not interest-bearing. Should the recipient breach these conditions, they are required to return the reward. Rewards are also not permitted if they are for the personal gain of an employee of the relevant financial institution, have the potential to be deemed a bribe, and/or are covertly interest-bearing.