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From the CEO’s desk About us Our shareholders Our philosophy Our Credo Our unique value proposition What makes us unique The ‘dunia difference’ Make the right moves with dunia Dunia@work Dunia touch points Our people Dunia Cares... “Save the future” Taking a closer look... Dunia press room Dunia brand Dunia ad gallery Our board of directors Our management team

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Changing the way people see and experience life 03


From the CEO’s Desk Welcome to dunia, a world of financial opportunities...

Dunia means ‘the world’ in Arabic and in several other languages spoken in the UAE, and Dunia aims to offer its customers a world of opportunities. As a brand, dunia was conceived for one overarching purpose.... To care for and make a difference in the lives and future of our customers. We provide financial products and services that empower people, enable success and enrich lives. Dunia has introduced a new way of looking at the relationship between customers and financial institutions and created a business model that has the consumer at the center of its universe. We are an organization that understands, engages and delivers financial solutions to consumers through needbased segmentations of the market, engendering stability, financial security and confidence. We recognize the need to go back to the traditional banking basics of being true to the customers promise, going the extra mile for our customers and building a spirit of teamwork and passion to deliver. Dunia provides a holistic financial solution catering to customers’ transactions, savings, borrowing and protection needs. We offer a wide range of products and services ranging from loans, to credit cards, deposits for non-individual customers, and working capital facilities for small businesses. All this is backed with world class systems, technology, processes and infrastructure to ensure a unique and consistent customer experience at all times and at all touch points. I welcome you once again to dunia, and assure you of our best services at all times. With my best personal regards,

Rajeev Kakar Executive Director & Chief Executive Officer Dunia Finance L.L.C. 04


Together we grow stronger

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About us

Dunia means ‘the world’ in many languages and we offer our customers a world that serves from the heart… where experience, knowledge and commitment create financial solutions that are relevant and effective. We speak more than 30 languages and we understand our customers’ needs and aspirations in all of them. Dunia Finance L.L.C., known as dunia, is the latest entrant in the financial services field. Dunia is a finance company that was created as a strategic partnership between Mubadala Development, Waha Capital, A.A. Al Moosa Enterprises, and Fullerton Financial Holdings (a wholly owned subsidiary of Temasek Holdings). Dunia currently has capital of AED 586 million. Dunia has a unique customer-centric and segmented approach that aims to first understand customer needs and then offer relevant financial solutions. Dunia offers a wide range of financial products and services ranging from loans, to credit cards, deposits for non-individual customers, and working capital facilities for small businesses.

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Our shareholders

Fullerton Financial Holdings

Mubadala Development Company

Fullerton is a financial services investment holding company. It is a wholly owned subsidiary of Temasek Holdings, with shareholdings in several banks and financial institutions spanning across countries, and also controlling management inuence in Bank Danamon in Indonesia, Fullerton India Credit Corporation, Fullerton Securities Wealth Advisors, Alliance Bank in Malaysia and NIB Bank in Pakistan.

Mubadala is a leading business development and investment company based in Abu Dhabi. At the core of its strategy, Mubadala makes long-term, capital intensive investments to deliver strong financial returns and economic diversification. Its mandate is to transform the Emirate from a single-sector economy, driven predominantly by oil and gas, into a multi-sector global economy that comprises a range of thriving industries.

As a long-term strategic investor, Fullerton has a exible and creative investment philosophy and is committed to growth and stability of its investee institutions over the long-term horizon. Fullerton supervises and guides its investee institutions to achieve the highest risk-reward balance and create shareholder value by differentiating through great people, unique relationship business models and disciplined execution. www.fullertonfinancial.com

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Mubadala is rigorously analytical in its selection of investments and partners, whether it is investing in established businesses such as Carlyle Group and Ferrari or creating new ones by partnering with leading international organizations like Cleveland Clinic. www.mubadala.ae


Waha Capital

A.A. Al Moosa Enterprises

Waha Capital is an Abu Dhabi Securities Exchange-listed and Abu Dhabi-based diversified investment holding company, created by restructuring Oasis International Leasing Company PJSC. Waha Capital has adopted a clear vision and strategy to drive multi-sector business growth and diversification through acquisitions, joint ventures and creation of new businesses. Its current business portfolio includes big-ticket leasing, financial services, maritime and property development. Waha Capital’s main institutional shareholders are Mubadala Development Company and Abu Dhabi Investment Company.

The Al Moosa Group, also more familiarly known as the Arenco Group, is one of the leading and prominent local business groups in the UAE, with business interests spanning real estate, hotels, architectural design, manufacturing, services and trading. Set up in 1971, the group has its corporate headquarters in Dubai, with business interests in all emirates and beyond. The group continues to rapidly grow in its various businesses as a service oriented group and looks forward to its diversification into financial services through its interest in Dunia Finance L.L.C. www.aaagroup.com

www.wahacapital.ae

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Striving for a simple, friendly and trustworthy service 09


Our philosophy Dunia Vision We care and make a difference in the lives and future of our customers. At dunia, our customers are at the center of all that we do. Our commitment is realized by listening to and understanding customer needs. We design and deliver tailor-made financial solutions.

Dunia Mission We aspire to serve all our customers by delivering quality products and excellent service, therefore financially empowering our communities and partners, and creating long-term and sustainable shareholder value. Dunia is unique in its use of a customer-centric approach that aims to deliver a differentiated, yet relevant, unique value proposition that caters to the holistic product, convenience, experience, and service expectations of clients in the UAE. All this will be delivered sustainably and predictably to the customer, through processes and proposition supported by investment in state-of-the-art technology and capabilities, and partnerships with service providers who excel in their individual areas of expertise.

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Our Credo We Believe in...

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Customer commitment

We proactively reach out to our customers and build meaningful relationships which make a positive impact in their lives. Our commitment is realized through listening & understanding their needs, and in the design and delivery of quality products and services. We treat them fairly and with respect.

Value of our people

We have empathy, mutual respect, trust and unconditional support for each other. We recognize the leadership potential in every individual and provide opportunities to learn and grow. We are a result oriented team and work together to achieve our goals and ‘enable success’.

Serving the Community

We serve our community by respecting their traditions and enriching their lives through our work, spirit of volunteerism and resources. We are a responsible player and believe action is better than words.

Striving for excellence

We have a passion to excel and strive for excellence in all that we do. We succeed when we have exceeded customer expectations. We encourage creativity and innovation and always “THINK BIG” to maximize our potential.

Integrity & Ethics

Integrity and ethics are the core of our value system and embedded in all that we do. We uphold dunia’s reputation with pride, and conduct our business with all stakeholders, customers and regulators with the highest ethical standards, and transparency. We are accountable for our actions.


Understanding your needs and requirements with sincerity 12


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Our unique value proposition

Dunia means ‘the world’. You mean the world to us. Come to a world that serves from the heart‌where experience, knowledge and commitment create financial solutions ideally suited for you. We speak more than 30 languages and we understand that your needs and aspirations are different. At dunia, we offer you unbiased and tailor-made complimentary financial planning that opens new opportunities. Our unique value proposition We want to provide a wide range of customized financial solutions through superior products, service and relationship experience based on respect, with easy access through an empowered Relationship Manager, alternative access channels for convenience and speed, in order to provide for a better lifestyle and future for yourself and your family. Why choose dunia? ‡ *HW\RXURZQGHGLFDWHGGXQLD5HODWLRQVKLS0DQDJHU ‡ (QMR\FRQYHQLHQFHDQGÂżH[LELOLW\ ‡ *HWDWWUDFWLYHUDWHV ‡ 6LPSOHDQGKDVVOHIUHHSURFHVV ‡ 3UHIHUHQWLDOSULFLQJ°WKHEHWWHU\RXUFUHGLWKLVWRU\ZLWKXVWKHEHWWHUWHUPV\RXJHW ‡ &RQYHQLHQWDFFHVVWKURXJKRXUILQDQFLDOFHQWHUVKRXUGXQLDFRQWDFWFHQWHURQGXQLD   dunia on-line, and ATMs on the MasterCard Worldwide network ‡ )UHHFRQVROLGDWHGPRQWKO\VWDWHPHQW Explore the options dunia offers you‌ ‡ &RPSUHKHQVLYH²QRREOLJDWLRQÂłILQDQFLDOSODQQLQJ ‡ 3HUVRQDOORDQVWRPHHW\RXUXQLTXHQHHGV ‡ $WWUDFWLYHFDUORDQV ‡ 6HFXUHGORDQV ‡ )OH[LEOHGXUDEOHJRRGORDQV ‡ (GXFDWLRQORDQV ‡ 8QPDWFKHGFDVKEDFNDQGUHZDUGVIURPGXQLDSODWLQXPJROGDQGVLOYHUFUHGLWFDUGV For detailed information on dunia please visit www.dunia.ae 14


Our unique value proposition

You have built your business with passion. Now duniatrade aims to serve your complete business and personal financial needs with similar passion‌ so you can always stay ahead. At duniatrade, we offer you and your staff a wide range of customized business and personal financial solutions. Whether personal loans, credit cards, deposits for your business or tailor-made financial planning services, we can assist you in growing your business and managing your personal finances. Our trained and certified duniatrade staff speak more than 30 languages. Our unique value proposition We aim to be a caring community-based financial services provider designed specifically to serve you through a superior relationship experience, empathy and respect, and with convenient, fast and easy access to credit. Why choose duniatrade? ‡ *HW\RXURZQGHGLFDWHGGXQLDWUDGH5HODWLRQVKLS0DQDJHU ‡ (QMR\FRQYHQLHQFHDQG¿H[LELOLW\ ‡ $WWUDFWLYHUDWHV ‡ 6LPSOHDQGKDVVOHIUHHSURFHVV ‡ 3UHIHUHQWLDOSULFLQJ°WKHEHWWHU\RXUFUHGLWKLVWRU\ZLWKXVWKHEHWWHUWHUPV\RXJHW ‡ &RQYHQLHQWDFFHVVWKURXJKRXUfinancial center, 24-hour dunia contact center on 04 42-dunia (38642), dunia on-line, and any ATMs on the MasterCard Worldwide network ‡ )UHHFRQVROLGDWHGPRQWKO\VWDWHPHQW Explore the options duniatrade offers you with ‌ ‡ &RPSUHKHQVLYH²QRREOLJDWLRQ³financial planning ‡ 3HUVRQDOORDQVWRPHHW\RXUEXVLQHVVDQGSHUVRQDOQHHGV ‡ $WWUDFWLYHFDUORDQV ‡ 6HFXUHGORDQV ‡ )OH[LEOHGXUDEOHJRRGORDQV ‡ 8QPDWFKHGFDVKEDFNDQGUHZDUGVIURPGXQLDSODWLQXPJROGDQGVLOYHUFUHGLWFDUGV ‡ &RUSRUDWHfixed deposits to maximize your returns on your business funds For detailed information on duniatrade please visit www.dunia.ae 15


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Our unique value proposition

At duniamoney, we believe in going the extra mile just like your friends would do for you. Our friendly Relationship Manager is waiting to serve you and offer you unique tailor-made solutions just for you. So whether you need to send money to your family, buy your dream house back home, educate your children, or need some extra cash, duniamoney is here for you. Our unique value proposition To offer a community-based, superior service and relationship experience based on empathy and respect, while giving you access to easy credit, simple savings products, to meet your simple financial needs, in order to help you provide for a better future for yourself and family back home. Why choose duniamoney? ‡ *HW\RXURZQGHGLFDWHGGXQLDPRQH\5HODWLRQVKLS0DQDJHU ‡ (QMR\FRQYHQLHQFHDQG¿H[LELOLW\ ‡ $WWUDFWLYHUDWHV ‡ 6LPSOHGRFXPHQWDWLRQ ‡ 3UHIHUHQWLDOSULFLQJ°WKHEHWWHU\RXUFUHGLWKLVWRU\ZLWKXVWKHEHWWHUWHUPV\RXJHW ‡ &RQYHQLHQWDFFHVVWKURXJKRXUILQDQFLDOFHQWHUKRXUGXQLDFRQWDFWFHQWHURQGXQLD   dunia on-line, and any ATMs on the MasterCard Worldwide network ‡ )UHHFRQVROLGDWHGPRQWKO\VWDWHPHQW Explore the options duniamoney offers you with ‌ ‡ &RPSUHKHQVLYH²QRREOLJDWLRQ³ILQDQFLDOSODQQLQJ ‡ 3HUVRQDOORDQVWRPHHW\RXUXQLTXHQHHGV ‡ $WWUDFWLYHFDUORDQV ‡ 6HFXUHGORDQV ‡(GXFDWLRQORDQV ‡ )OH[LEOHGXUDEOHJRRGORDQV ‡ 8QPDWFKHGFDVKEDFNDQGUHZDUGVIURPGXQLDVLOYHUFUHGLWFDUG For detailed information on duniamoney please visit www.dunia.ae

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Our unique value proposition

At duniagold, we believe in taking the time to listen and understand your needs and offer you tailormade financial solutions to meet your needs comprehensively. We understand that a person like you has unique needs. Our personalized approach is simple and innovative. We offer a wide range of transaction, deposit, borrowing, saving and protection solutions to meet your sophisticated needs. Starting with the dunia ‘no obligation’ financial planner, we open the door to a world of opportunities. Our unique value proposition To be a provider of customized and tailor-made solutions that cater to your unique financial and lifestyle needs. We help you achieve your aspirational goals by providing a wide range of financial products and services and we deliver these with exceptional service and convenience through a single point of contact. Why choose duniagold? ‡ *HW\RXURZQGHGLFDWHGGXQLDJROG5HODWLRQVKLS0DQDJHU ‡ (QMR\FRQYHQLHQFHDQGÂżH[LELOLW\ ‡ $WWUDFWLYHUDWHV ‡ 3ULRULW\DFFRXQWRSHQLQJ ‡ 3UHIHUHQWLDOSULFLQJ°WKHEHWWHU\RXUFUHGLWKLVWRU\ZLWKXVWKHEHWWHUWHUPV\RXJHW ‡ &RQYHQLHQWDFFHVVWKURXJKRXUILQDQFLDOFHQWHUKRXUGXQLDFRQWDFWFHQWHURQGXQLD   dunia on-line, and any ATMs on the MasterCard Worldwide network ‡ )UHHFRQVROLGDWHGPRQWKO\VWDWHPHQW Explore the options duniagold offers you with ‌ ‡ &RPSUHKHQVLYH²QRREOLJDWLRQÂłILQDQFLDOSODQQLQJ ‡ 6HFXUHGORDQVWRPHHW\RXUVRSKLVWLFDWHGQHHGV ‡ $WWUDFWLYHFDUORDQV ‡ )OH[LEOHGXUDEOHJRRGORDQV ‡ (GXFDWLRQORDQV ‡ 8QPDWFKHGFDVKEDFNDQGUHZDUGVIURPGXQLDGLDPRQGSODWLQXPDQGJROGFUHGLWFDUGV For detailed information on duniagold please visit www.dunia.ae 19


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What makes us unique... Dunia offers a new concept in financial services that is unique and differentiated in the UAE. Dunia has built and is delivering a differentiated, customer-focused financial institution that serves the needs of the different customer segments. The entire dunia business model caters to specific customer needs identified through extensive market research. With this relationship-based model, dunia is a holistic financial solutions provider in the UAE market, for a multitude of consumer segments and financial needs. Dunia is unique in its use of a customer-centric approach that aims to deliver a differentiated, yet relevant, unique value proposition that caters to the holistic product, convenience, experience, and service expectations of clients in the UAE. All this will be delivered sustainably and predictably to the customer, through processes and proposition supported by investment in state-of-the-art technology and capabilities, and partnerships with service providers who excel in their individual areas of expertise.

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The ‘dunia difference’


Corporate Afuent

Commercial

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Rule Engine Business Rules

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Strategic Analytics Unit

Revenue Effectiveness: Grow the top-line

Acquisition Mix, Ticket size X-sell opportunity Lead generation Customer lifetime value Line increase programs

Response Increase efďŹ ciency

Minimize Expenses, Unit Costs, Expense / ANR Turn around time, Approval rates, Error rates

Risk Minimize losses

Identify high risk segments - focus areas for credit & collections Loss absorption capacity, Application & Behaviour scoring

Data Warehouse

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Make the right moves with dunia Lead a healthy life with a balanced financial plan Just like a balanced diet keeps you healthy, a balanced financial plan helps ensure your financial health‌ At dunia, we understand that every person is different and has different needs and hence, we can assist you in developing a customized plan for you that outlines the road to reaching your long-term financial goals and securing a brighter future for you and your family. This dunia planner is not a solicitation by dunia to buy or invest in any product, but is a FREE financial planning tool made available to assess your needs, and identify suitable products to invest in. You can use the financial planner to take advantage of the specific product of any provider of your choice and be guided by appropriate advice by your investment advisor. Your dunia planner is designed to offer you an illustrative and unbiased tailor-made plan, addressing your personal goals and aspirations through the different stages and milestones of your life. This illustrative plan helps you answer some key questions‌. ‡ 'R\RXKDYHHQRXJKFDVKWRPHHWXQIRUHVHHQHPHUJHQFLHV" ‡ 'R\RXKDYHDUHWLUHPHQWKRPH",IQRWKRZGR\RXVWDUWVDYLQJIRULWWRGD\" ‡ +DYH\RXVDYHGHQRXJKIRU\RXUFKLOGUHQ¾VHGXFDWLRQ" ‡ $UH\RXSUHSDUHGIRUDQGSURWHFWHGDJDLQVWXQIRUHVHHQFLUFXPVWDQFHV" ‡ 'R\RXKDYHHQRXJKVDYLQJVIRUUHWLUHPHQW" ,QRQHVQDSVKRW\RXJHW\RXUWDLORUPDGHILQDQFLDOSODQZKLFKLVXQLTXHO\GHVLJQHGRQO\IRU\RXª

This dunia planner is not a solicitation by dunia to buy or invest in any product, but is a financial planning tool made available to assess your needs, and identify suitable products to invest in. You can use the financial planner to avail of the specific product of any provider of your choice and be guided by appropriate advice by your investment advisor. Dunia does not facilitate the purchase of investment products and undertakes no liability or responsibility for the dunia planner provided.

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Offering a world of financial solutions to meet your unique needs

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Credit cards from dunia Platinum, Gold and Silver Cards Key benefits 1 ‡ 8SWRXQOLPLWHG&$6+%$&. and rewards ‡ ([FOXVLYHGLQLQJDQGVKRSSLQJSULYLOHJHV ‡ &RPSUHKHQVLYHWUDYHOEHQHILWV 2 ‡ 'XQLD)O\6DIHWUDYHODFFLGHQWLQVXUDQFH benefits with coverage up to $30,000 ‡ KRXUDFFHVVWKURXJKGXQLDFRQWDFWFHQWHUDQGGXQLDRQOLQH ‡ &RQYHQLHQWXWLOLW\ELOOSD\PHQWV ‡ $FFHSWDQFHDWRYHUPLOOLRQPHUFKDQWVZRUOGZLGHGLVSOD\LQJWKH0DVWHU&DUG:RUOGZLGHORJR ‡ 8SWRIUHHVXSSOHPHQWDU\FUHGLWFDUGV ‡ (QKDQFHGVHFXULW\ZLWKGXQLDSKRWRFDUGRSWLRQ ‡ 3HDFHRIPLQGZLWKGXQLD¾V)UDXG,QWHOOLJHQFH 7UDFNLQJ6\VWHP ),76 

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the sole discretion of Dunia Finance L.L.C. 2Insurance products are offered through third party providers, currently AIG. Dunia simply facilitates the provision of insurance products to its customers and processes payments of premium from the customers and forwards them to the insurer. Terms and conditions apply and are subject to change without prior notice and are available upon request. For the current terms and conditions visit www.dunia.ae. Credit card and loans are provided at the sole discretion of Dunia Finance L.L.C.

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Personal loans from dunia Dunia gives you the freedom to tailor make your loan to match your unique needs, at attractive interest rates and the tenor of your choice. Whether you need a loan for your child’s education, to renovate your home, to enhance your business or for that dream vacation, dunia is the place to go. Key benefits ‡ 7HQRUVUDQJLQJIURP°\HDUV ‡)OH[LEOHORDQVWRVXLWSHUVRQDOQHHGV ‡6LPSOHDQGKDVVOHIUHHSURFHVV ‡$WWUDFWLYHLQWHUHVWUDWHV ‡7LHUHGSULFLQJ°WKHEHWWHUWKHFUHGLWKLVWRU\WKHEHWWHUWHUPVRXUFXVWRPHUVJHW ‡'HGLFDWHG GXQLD 5HODWLRQVKLS 0DQDJHU ZKR SURYLGHV personalized service and unique tailormade solutions

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Education Loans

Car Loans

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Durable good loans from dunia If you are dreaming of a fabulous home theatre or a new laptop or planning to buy new furniture for your home or office, dunia will provide you with the most convenient way to realise that. Key Benefits ‡ %X\ D UDQJH RI GXUDEOH SURGXFWV DW RXWOHWV conveniently located near you ‡ 7HQRUVUDQJLQJIURP°\HDUV ‡ )OH[LEOHORDQVWRVXLWSHUVRQDOQHHGV ‡ 6LPSOHDQGKDVVOHIUHHSURFHVV ‡ $WWUDFWLYHLQWHUHVWUDWHV ‡ 7LHUHG SULFLQJ ° WKH EHWWHU WKH FUHGLW KLVWRU\ WKH better terms our customers get ‡ 'HGLFDWHG GXQLD 5HODWLRQVKLS 0DQDJHU ZKR provides personalized service and unique tailormade solutions

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Education Loans

Car Loans

Corporate Deposits


Education loans from dunia Dunia cares and can help you take your education further. This is why dunia has a dedicated higher education loan to enable you to do exactly that. Key benefits ‡ )OH[LEOHORDQVWRVXLW\RXUHGXFDWLRQQHHGV ‡ 5HSD\PHQWRSWLRQVWDLORUHGWRPHHW\RXUFDVK ow needs ‡ 6LPSOHDQGKDVVOHIUHHSURFHVV ‡ $WWUDFWLYHLQWHUHVWUDWHV ‡ 7LHUHG SULFLQJ ° WKH EHWWHU WKH FUHGLW KLVWRU\ WKH better terms our customers get ‡ 'HGLFDWHG GXQLD 5HODWLRQVKLS 0DQDJHU ZKR provides personalized service and unique tailormade solutions

DUNIA

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Car loans from dunia Dreaming of buying a new car or upgrading the one you have? With attractive finance options from dunia, owning your dream car is now easy. Drive away your dream car with a dunia car loan! Key benefits ‡ :LGHGHDOHUQHWZRUN ‡7HQRUVUDQJLQJIURP°\HDUV ‡)OH[LEOHORDQVWRVXLWSHUVRQDOQHHGV ‡6LPSOHDQGKDVVOHIUHHSURFHVV ‡)DVWHVWDSSURYDOV ‡ $WWUDFWLYHLQWHUHVWUDWHV ‡ 7LHUHG SULFLQJ ° WKH EHWWHU WKH FUHGLW KLVWRU\ WKH better terms our customers get ‡ 'HGLFDWHG GXQLD 5HODWLRQVKLS 0DQDJHU ZKR provides personalized service and unique tailormade solutions

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Car Loans Education Loans

Education Car Loans Loans

Corporate Deposits


Corporate deposits from dunia With dunia’s corporate fixed deposits you can maximize your returns on your business funds. You can earn higher interest rates than a current account, and it‘s a simple and safe way to invest money. Key benefits ‡ /RFNLQKLJKHUUDWHVIRUORQJHUWHQRUV ‡ )OH[LEOHWHQRUVIURPPRQWKWRPRQWKV ‡ /LTXLGLW\ WKURXJK D ORDQ DJDLQVW \RXU GHSRVLWV RI XSWRRIGHSRVLWDPRXQW ‡ 'HGLFDWHG5HODWLRQVKLS0DQDJHU ‡ KRXUSKRQHDQGLQWHUQHWEDQNLQJVHUYLFHV

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Offering unmatched benefits, rewards and privileges for your staff

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Dunia@work Dunia brings you the world of financial opportunities… right to your workplace! Dunia@work program enables your employees to benefit from the strength of your organization. We offer your staff and your organization financial solutions ranging from corporate deposits to personal loans, durable good loans, auto loans, credit cards and financial planning... all bundled with unmatched discounts, unique rewards, exciting privileges and exclusive terms for your organization. Key benefits ‡ :LGHSURGXFWUDQJHWRPHHWFRPSDQ\DQGSHUVRQDOHPSOR\HHQHHGV ‡ ([FOXVLYHWHUPVDQGSULFLQJIRU\RXUVWDII ‡ )DVWDQGKDVVOHIUHHSURFHVV ‡ 'HGLFDWHG GXQLD 5HODWLRQVKLS 0DQDJHU ZKR SURYLGHV personalized service and unique tailormade solutions at your door step

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Dunia touch points Anytime... Anywhere... 24-hour dunia contact center on 04 42-dunia (38642) ‡,QTXLUHDERXW\RXUDFFRXQWGHWDLOV ‡&RQYHQLHQWELOOSD\PHQWV ‡6LPSOHDSSOLFDWLRQVIRUQHZSURGXFWV ‡8SGDWH\RXUUHFRUGV Dunia online ‡$FFHVV\RXUDFFRXQWGHWDLOV ‡9LHZ\RXUDFFRXQWVWDWHPHQWV ‡&RQYHQLHQWELOOSD\PHQWV ‡6LPSOHDSSOLFDWLRQVIRUQHZSURGXFWV ‡6HQGVHUYLFHUHTXHVWV www.dunia.ae ‡9LHZWKHODWHVWSURGXFWLQIRUPDWLRQ ‡/LYHQHZVIHHGV ‡5HDGWKHILQDQFLDOPDUNHWFRPPHQWDULHVDQGDUWLFOHV ‡(QWHUWDLQPHQWGLQLQJKRVSLWDOFDUVKRZURRPOLVWLQJVHWF Visit us at our financial centers Walk in to your closest dunia financial center. To locate the nearest dunia branch to you visit www.dunia.ae Email us Write to customerservices@dunia.ae and a dunia representative will get back to you

Dunia contact center 41

Personal Loans Dunia on-line

DurableWebsite Good Loans

Car Loans Financial Centers

Car Loans E-mail


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Our people are our key strength Diversity We believe in diversity, equal rights and creating an open, FDULQJFXOWXUH째WKHYHU\KHDUWRIRXUYDOXHV:HKDYHRYHU nationalities and our people speak more than 30 languages.

Human capital We believe that people are a key pillar of our strength and will set us apart and continually provide our customers with a service beyond their expectations. We have selected top talent from around the world, based on their potential, energy, passion, and entrepreneurial enthusiasm.

Commitment Each and every employee plays a critical role in the success of our company. It is therefore our endeavor to provide individuals with a great place to work where they can build lasting relationships, and where talents are recognized, encouraged and rewarded. Most importantly, dunia will be a place where people can learn, grow and have fun.

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Training and certification When people join us, they are enrolled into the dunia academy, which is our center of excellence for learning and development, and enrolled in a curriculum designed for their specific role. They are involved in team work, online and classroom training and they are supported by a dedicated Training & Development Team.

At dunia, we help individuals add to their learning & skills and nurture their individual talents through engagement, structured learning and mentoring, and by giving them the opportunity to take ownership of their development. We believe in providing learning in a range of styles that best suit each individual’s needs and preferences.

‘Kawader’ program As a responsible corporate citizen, dunia is committed to a attracting, recruiting, training and developing talented UAE nationals. Dunia offers a variety of full-time and part-time programs for UAE nationals to help develop their skills and gain exposure to global best practices.

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Dunia Cares... “Save the future” Dunia Cares vision To care and make a difference in the lives and future of our community. Giving back to the community is at the core of dunia’s values and beliefs. We serve our community by respecting their traditions and enriching their lives through our work, spirit of volunteerism and resources. We are a responsible player and believe action is better than words.

SAVE THE FUTURE

Empower

Enrich

Enable

Products

REGULATORY

DUNIA TEAM

ENVIRONMENT

Shape the Future

AUTHORITIES

HEALTH

EDUCATION

Save for Future

EXPERTISE

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YOUTH

SOCIAL RESPONSIBILITY

CUSTOMER

Services

SOCIETY

Safe in Future

INDUSTRY

Preserve the Future

CUSTOMER

STAKE HOLDERS


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Through our spirit of volunteerism, we serve our community, respect their traditions and enrich their lives. In big and small ways, we do what we can to make a difference

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Taking a closer look... Dunia ‘Speak Easy’ English Language Program March ‘09 - As part of our Dunia Cares programme, our commitment is to empower our community through education. Dunia launched this program which is aimed at empowering office helpers, security guards, drivers and messengers with basic conversational English skills. The program has 31 students in the first batch. Dunia staff were instrumental in making this program a success by preparing the course material and delivering the weekly sessions to students.

Blood Donation Drive January ‘09 - We believe in promoting wellness, and doing what we can to help one another - especially if we can help save lives. To do this, we partnered with blood banks across Dubai and Abu Dhabi to encourage staff and public to donate blood. Dunia and the local community supported the cause and made a big difference as over 140 donors came to the event and gave blood. This initiative was recognised by the Government’s Department of Health & Medical Services who recognized dunia’s contribution and support.

Shoe Box Appeal October ‘08 - Dunia held a week long event in an effort to collect essential daily items for construction workers It was an organization wide effort as employees were split into 5 teams, each competing to collect the most items. In this friendly contest and fun event, the team managed to collect over 3,300 items that were later distributed to construction workers, putting a big smile on their faces.

Special Needs Center Fun Bazaar November ‘08 - The Special Needs Families Center aids young adults with special needs. Dunia worked hand-in-hand with the Center to hold a Fun Bazaar fund raising event whereby dunia staff took part in various activities to make it a successful event. Over AED 100,000 was raised at the event.

Pink Walkathon November ‘08 - Breast cancer is the most common form of cancer among women in the UAE. Dunia employees participated in the Pink Walkathon to raise awareness for this disease and support the cause by collecting funds that went towards cancer relief programs. 48


Dunia press room Special recognition for supporting and developing UAE talent

Rajeev Kakar, Executive Director & CEO - Dunia (left) receiving the award from HH Ruler of Sharjah, Sheikh Dr. Sultan Bin Mohammed Al Qasimi. May ’09

Hend Al Ali, HR Manager - Dunia was recently honoured with the “Emiratization Champion” award by the Government of Dubai. Nov ’08

Dunia awarded Banker Middle East Industry Awards 2009 for ‘BEST USE OF TECHNOLOGY’

Rajeev Kakar, Executive Director & CEO - Dunia (center) being given the award by Nigel Rodrigues, CEO - CPI Financial (right) and Robin Amlot, Managing Editor - CPI Financial (left). Jun ’09 49


Dunia well positioned as a responsible lender Gulf News, May 2nd, 2009

Positive outlook from Dunia Emirates Business 24x7, April 8th, 2009

Ministry of Finance and Dunia Finance sign agreement to perform bank guarantee E-registration service Al Itihad, June 24th, 2009

Dunia confirms opportunities in UAE market despite the crisis Al Itihad, June 28th, 2009

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Dunia brand Brand Philosohpy Our ‘can do’ attitude and positive approach to finance will make every aspect of banking simple. Moreover, we are dedicated to becoming the most trusted and accessible financial brand on the market, via our extensive branch network and dedicated staff. What does dunia mean? Dunia means “the world” in several languages (Arabic, English, French, Russian, Tagalog, Hindi, Malayalam, Tamil, etc.) spoken in the UAE and the world. Dunia will mean ‘a better world’ to the millions of people that we serve. Brand Beliefs We believe that all individuals, regardless of race, gender, nationality or social status have the right to be treated with respect We believe in constantly providing relevant services & incentives We believe simplicity can be achieved in finance We believe in being part of the communities we serve We believe a positive attitude will show across all our departments and put a smile on our customer’s face

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Dunia ad gallery

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Our board of directors

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Salem Rashid Al Noaimi Chairman Salem Rashid Al Noaimi is CEO of Waha Capital PJSC. Salem was previously the Deputy CEO of the company and CEO of Waha Leasing, a wholly-owned subsidiary of Waha Capital. Prior to that, he worked in the investments department of Dubai Islamic Bank. His previous work experience includes stints at Dubai Islamic Bank, UAE Central Bank, the Abu Dhabi Fund for Development and Kraft Foods. Salem holds a Bachelor’s Degree in Finance and International Business from the Northeastern University in Boston, USA. Currently, Salem holds board directorships of several local and regional companies such as Abu Dhabi Ship Building, Siraj Finance, Mena Infrastructure Fund and Bahrain’s Addax Bank.

Rajeev Kakar Executive Director & CEO Rajeev is the Executive Director and Chief Executive Officer of Dunia Finance, headquartered in UAE. He is also concurrently the Regional CEO for the Central Europe, Middle East and Africa (CEEMEA) region for Fullerton Financial Holdings (FFH), and the Executive Vice President & Senior Global Management Committee Member of FFH in Singapore. In this role, he heads Consumer Banking for all of Fullerton’s Bank & Financial Services Operations, Investments and Holdings, across the globe. Rajeev is a Director on the board of Fullerton Securities Wealth Advisors (FSWA), headquartered in India and was also an Independent Director on the Board of Visa International for the CEEMEA region, between July 2004 and February 2006. Until January 2006, he was the Regional Head & CEO for Citibank’s Global Consumer Bank, managing the Turkey, Middle East and Africa region, based out of Dubai. Rajeev has more than two decades in the banking industry in various senior and diverse business and functional roles across various geographies. Rajeev has an MBA with a major in Marketing and Finance from the Indian Institute of Management (IIM), Ahmedabad, India and graduated in 1987. He also has a Bachelor of Technology in Mechanical Engineering from the Indian Institute of Technology, New Delhi, India.

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Francis Rozario Director Francis Rozario is the Director of dunia, and CEO of Fullerton Financial Holdings Pte Ltd. Prior to his current appointment, he was the President Director of Bank Danamon in Indonesia where he spearheaded the successful transformation of the Bank into a major all-purpose financial services provider in the local market. Rozario is presently the Chairman of NIB Bank Ltd (Pakistan), Fullerton India Credit Company (India) and Fullerton Enterprises Pvt Ltd (India). A veteran banker, Rozario spent close to 30 years of his career with Citigroup International. In his last appointment at Citibank, Francis was based in London as the Global Head for Commercial and SME Banking. He holds a Bachelor’s degree from Sydenham College of Bombay University in 1974. He also attended the Program for Management Development at Harvard University in 1987.

Khaled Abdulla Juma Al Qubaisi Director Khaled Abdulla Al Qubaisi is Senior Advisor, Acquisitions at Mubadala. He is also currently Managing Director of Tabreed and sits on the Tabreed Board of Directors. Khaled joined Mubadala from International Capital where he was the Chief Investment Officer. Prior to International Capital he was Head Corporate Finance & Business Development at National Bank of Abu Dhabi where he was responsible for advising companies on funding requirements, placing debt and equity, and structuring investment products for the Bank’s retail and private banking division. Khaled currently sits as Chairman of the National Health Insurance Company ‘DAMAN’ and is a board member of International Fish Farming Company ‘ASMAK’, Manazel Real Estate Company as well as the National District Cooling Company ‘Tabreed’, and has been a member of the Chartered Financial Analyst Institute since 2003. He holds a BA in Finance and Operation Management from Boston University and an MSc from George Washington University in Washington, DC.

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Dr. Ahmed Khalil Al-Mutawa Director Dr. Ahmed Khalil Al-Mutawa is a respectable academic professional, as he progressed in his academic career since he held his B.A. in Economics from Cairo University in 1978, M.A. in Economics from University of North Carolina in 1981, and Ph.D. in Economics (with Distinction), Georgetown University, Washington, D.C. in 1991. As a professor, he held the position of the Chairman of the Economics Department, and in 1997 became Deputy Vice Chancellor for Planning (DVCP), United Arab Emirates University. H.E. Dr. Al-Mutawa had occupied many important positions, among which: Head of Teaching Assistants; Executive Director, Al-Mustaqbal Economic & Strategic Consultations; Strategic Development Director at MMI, Deputy Vice Chancellor for Planning (DVCP), United Arab Emirates University. His latest position has been Secretary-General of Gulf Organization for Industrial Consulting. Dr. Al-Mutawa has been member in many Associations, Organizations and Boards of Directors on both local and international levels. Recently, he won the award for industry CEO of the year 2005. He has contributed many publications, papers, research and studies.

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Our management team

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Rajeev Kakar Executive Director & CEO Rajeev is the Executive Director and Chief Executive Officer of Dunia Finance, headquartered in UAE. He is also concurrently the Regional CEO for the Central Europe, Middle East and Africa (CEEMEA) region for Fullerton Financial Holdings (FFH), and the Executive Vice President & Senior Global Management Committee Member of FFH in Singapore. In this role, he heads Consumer Banking for all of Fullerton’s Bank & Financial Services Operations, Investments and Holdings, across the globe. Rajeev is a Director on the board of Fullerton Securities Wealth Advisors (FSWA), headquartered in India and was also an Independent Director on the Board of Visa International for the CEEMEA region, between July 2004 and February 2006. Until January 2006, he was the Regional Head & CEO for Citibank’s Global Consumer Bank, managing the Turkey, Middle East and Africa region, based out of Dubai. Rajeev has more than two decades in the banking industry in various senior and diverse business and functional roles across various geographies. Rajeev has an MBA with a major in Marketing and Finance from the Indian Institute of Management (IIM), Ahmedabad, India and graduated in 1987. He also has a Bachelor of Technology in Mechanical Engineering from the Indian Institute of Technology, New Delhi, India.

Barlas Balabaner Operations Head Barlas has worked in the Banking Industry for almost 22 years, in various geographies such as Australia and EMEA, and has diverse experience in both Consumer and Corporate Banking Operations / Technology Management and M&A projects in the areas of Infrastructure startups, Branch Network expansion, Data Center Operations, Technology Organization Management, Quality Assurance, Productivity, Financial Control, and Customer Service Excellence. Barlas’s last assignment prior to joining Dunia was the Operations and Technology Director for Citibank’s Global Consumer Bank, in Turkey and Executive Board Member of Citibank A.S.

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Mariam Elsamny Marketing & PR Head Mariam Elsamny is a double MBA holder from University of Chicago (2008) and from the American University in Cairo (1997). Her latest role, prior to joining dunia was with Citibank, UAE as Marketing & Product Head handling the bank’s retail products (for both Mass Market & Affluent segments) and Marketing Communication & Internet Channel for the bank. Mariam has handled several key startup businesses during her 9 year stint with Citibank - Citibank Egypt, UAE and Russia. Mariam began her career with Procter & Gamble in Marketing where she gained a solid marketing foundation.

Sanjay Kao Consumer Business Head Sanjay brings a wealth of experience and proven results in consumer banking across products and in multiple markets. Most recently, he was the Head of Consumer Finance for RBS Asia, responsible for China, Taiwan, Hong Kong, Singapore, Indonesia, Malaysia, India and Pakistan. In this role, he led the Asia Strategy and P&L streamlining following the RBS acquisition of the ABN AMRO franchise. Prior to this, Sanjay held senior leadership roles with Citibank in Asia Pacific, based in Singapore and Indonesia as well as positions in India, Thailand and Egypt. Sanjay has also worked in the UAE during 2001 to 2003, when he held the position of Head of Marketing with Mashreq Bank. Sanjay started his career with Unilever India as a management trainee, and took on sales and marketing roles during his 7 year stint with them. He holds a Business Management Degree from the Indian Institute of Management, Calcutta.

Raman Krishnan Chief Risk Officer Raman joins us with more than 20 years of rich banking experience across India, Singapore and Indonesia. Prior to joining dunia, Raman’s ODVWDVVLJQPHQWZDVDVWKH'LUHFWRU°5LVN0DQDJHPHQWIRU3HUPDWD Bank, Indonesia (a joint venture between Standard Chartered Bank and Astra International, an Indonesian conglomerate) since November 2005, where he was overseeing Credit, Market and Operational Risks across the Bank. Before joining Permata Bank, Raman was heading the Business Risk Review for the Consumer Banking Group of Standard Chartered Bank based in Singapore. Raman completed his Post Graduate Diploma in Management from Indian Institute of Management, Calcutta in 1987. Raman is also a qualified Chartered Accountant from Chennai, India. 59


Ali Hurbas Strategic Analytics Head Ali started his career at AT&T Universal Card Services in Florida, US in 1995, where he held various roles in Finance, Marketing and card analytics. In 1999, he joined First USA Bank, now JP Morgan Chase, as the Credit Policy Head for card acquisitions, in Delaware, US. In 2000, he returned to Turkey, joining Citigroup as the Credit Policy Head. This involved formulation of the credit policies for the business. Subsequently, Ali moved to the Strategic Analytics Unit of the bank. Prior to joining dunia, Ali was with Citibank N.A. where he was Strategic Analytics Head for the Middle East region and responsible for consumer banking analytics, covering UAE, Bahrain, Egypt and Pakistan, based in Dubai. Ali has an Industrial Engineering degree from Bogazici University and an MBA from the University of Virginia’s Darden School.

Hend Al-Ali Human Resources Manager Hend has over 9 years of experience in the HR field. Prior to joining dunia, Hend was the HR Recruitment Manager at Citibank, UAE for several years where she successfully carried out the Emiratization program, which was highly appreciated by the government authorities. Before joining Citibank, Hend also worked in Mashreq Bank - Human Resources. She was running the Bank’s recruitment programs: Al Tumooh, Graduate Trainee program, Summer Learning program, Core Time and Al Mashreq Al Mutamyez and other work based learning schemes. Hend started her career with GASCO in Abu Dhabi in 1999, after completing a Bachelor in Information Technology from Higher Colleges of Technology from Dubai Women’s College. Hend was awarded the Dubai Human Development $ZDUG°JLYHQE\WKH'XEDL(FRQRPLF'HSDUWPHQWDQGLVDOVRDSDUWRIWKH:RPHQ&RPPLWWHHLQ WKH%DQNLQJ6HFWRU°ZKLFKLVUXQE\WKH(PLUDWHV,QVWLWXWHIRU%DQNLQJDQG)LQDQFLDO6WXGLHV

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Venu Parameshwar Chief Financial Officer Venu has about twenty years of experience in the banking industry in a wide range of functions and countries including India, Australia, Korea and the UK. His previous roles include Portfolio Risk Manager °&LWLEDQN$XVWUDOLD7UHDVXUHU°&LWLEDQN.RUHD&)2DQG7UHDVXUHU° &LWLEDQN,QGLD5HJLRQDO&RQVXPHU7UHDVXUHU°&LWLEDQN&((0($DQG &)2°&LWLEDQN7XUNH\0LGGOH(DVWDQG$IULFD+HZDVPRVWUHFHQWO\ the Consumer CFO for the EMEA region for Citigroup where he was responsible for the ďŹ nance function across Citigroup’s consumer business in Western and Central Europe and the Middle East. Venu is an Economics Graduate from the University of Bombay following which he completed his Masters in Business Administration from the Indian Institute of Management, Ahmedabad. He is also a Fellow member of the Institute of Chartered Accountants of India.

Monindra Grover Human Capital Head Monindra has over nineteen years of broad based experience in HR generalist and leadership positions with leading Fortune 100 companies like MasterCard, Citibank, Johnson & Johnson, Glaxo Smithkline and British Petroleum in diverse regional roles covering the Middle East, Africa, South Asia and Central Asia. His previous position was as Vice 3UHVLGHQW  6HQLRU +5 %XVLQHVV 3DUWQHU° +XPDQ 5HVRXUFHV IRU WKH Middle East and Africa region at MasterCard International. Monindra is an Economics graduate from Delhi University and holds an MBA from the Xavier Labour Relations Institute (XLRI), India.

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Anthony D’Souza &RPSOLDQFH+HDG $QWKRQ\ 'µ6RX]D EHWWHU NQRZQ DV 7RQ\  FRPHV ZLWK PRUH WKDQ three decades of rich and varied work experience across various regions and geographies. Until April 2006, Anthony was with Trans $UDE ,QYHVWPHQW %DQN 7$,%  ° %DKUDLQ DV WKH 6HQLRU 9LFH 3UHVLGHQW DQG +HDG RI ,QWHUQDWLRQDO 'LYLVLRQ UHVSRQVLEOH IRU 86 8. ,QGLD 7XUNH\ DQG .D]DNKVWDQ RSHUDWLRQV 3ULRU WR WKLV 7RQ\ FRPSOHWHG WZR VWLQWV ZLWK ,QYHVWFRUS %DQN (& ° first from July 1990-June 1995 as +HDGRI$XGLWDQG+HDGRIFRUSRUDWHSURMHFWVDQGWKHQDJDLQDVDQ external consultant on treasury, global asset management and risk PDQDJHPHQWSURMHFWVIURPWR+LVORQJHVWWHQXUHZDVZLWK&LWLJURXSZKHUHKHZRUNHGRQ PXOWLSOHDVVLJQPHQWVDFURVVWKHJOREHSDUWLFXODUO\LQ$XVWUDODVLD7RQ\KDVD%DFKHORURI$UWVGHJUHH IURP %RPED\ 8QLYHUVLW\ LQ  DQG FRPSOHWHG KLV 3URIHVVLRQDO $FFRXQWDQW DQG ,QWHUQDO $XGLWRU FRXUVHVLQ

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