Both the Mashreq Millionaire (Mashreq Bank), Al Dana certificate (Doha Bank) and the third one My Hassad certificates (Ahli Bank) are working like lottery only.   In these certificates, the invested capital is guaranteed and can be claimed back at any time.  No interest will be paid to the invester.   However the certificate holders will be eligible for monthly and quarterly draws... if you are lucky you can become a millionaire.   

In short, these certiciates are making the related banks richer and richer...  This will continue as long as there are people longing to become millionaire by overnight.