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A world of financial opportunities


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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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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,

Changing the way people see and experience life 03

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


About us

Together we grow stronger 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

Waha Capital

A.A. Al Moosa Enterprises

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 influence 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.

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.

As a long-term strategic investor, Fullerton has a flexible 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.

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.wahacapital.ae

www.aaagroup.com

www.mubadala.ae

www.fullertonfinancial.com

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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.

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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 heart…where 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? • Get your own dedicated dunia Relationship Manager • Enjoy convenience and flexibility • Get attractive rates • Simple and hassle-free process • Preferential pricing – the better your credit history with us, the better terms you get • Convenient access through our financial centers, 24-hour dunia contact center on 04 42-dunia (38642), dunia on-line, and ATMs on the MasterCard Worldwide network • Free consolidated monthly statement Explore the options dunia offers you… • Comprehensive “no obligation” financial planning • Personal loans to meet your unique needs • Attractive car loans • Secured loans • Flexible durable good loans • Education loans • Unmatched cash back and rewards from dunia platinum, gold and silver credit cards For detailed information on dunia please visit www.dunia.ae 13

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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? • Get your own dedicated duniatrade Relationship Manager • Enjoy convenience and flexibility • Attractive rates • Simple and hassle-free process • Preferential pricing – the better your credit history with us, the better terms you get • Convenient access through our financial center, 24-hour dunia contact center on 04 42-dunia (38642), dunia on-line, and any ATMs on the MasterCard Worldwide network • Free consolidated monthly statement Explore the options duniatrade offers you with … • Comprehensive “no obligation” financial planning • Personal loans to meet your business and personal needs • Attractive car loans • Secured loans • Flexible durable good loans • Unmatched cash back and rewards from dunia platinum, gold and silver credit cards • Corporate fixed 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? • Get your own dedicated duniamoney Relationship Manager • Enjoy convenience and flexibility • Attractive rates • Simple documentation • Preferential pricing – the better your credit history with us, the better terms you get • Convenient access through our financial center, 24-hour dunia contact center on 04 42-dunia (38642), dunia on-line, and any ATMs on the MasterCard Worldwide network • Free consolidated monthly statement Explore the options duniamoney offers you with … • Comprehensive “no obligation” financial planning • Personal loans to meet your unique needs • Attractive car loans • Secured loans • Education loans • Flexible durable good loans • Unmatched cash back and rewards from dunia silver credit card 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? • Get your own dedicated duniagold Relationship Manager • Enjoy convenience and flexibility • Attractive rates • Priority account opening • Preferential pricing – the better your credit history with us, the better terms you get • Convenient access through our financial center, 24-hour dunia contact center on 04 42-dunia (38642), dunia on-line, and any ATMs on the MasterCard Worldwide network • Free consolidated monthly statement Explore the options duniagold offers you with … • Comprehensive “no obligation” financial planning • Secured loans to meet your sophisticated needs • Attractive car loans • Flexible durable good loans • Education loans • Unmatched cash back and rewards from dunia diamond, platinum and gold credit cards 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’

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Dunia serves a wide spectrum of customers through its focused segments ‘dunia’ for the mass affluent customers, ‘duniamoney’ for salaried mass market, ‘duniatrade’ for the self employed mass market and small businesses and ‘duniagold’ for affluent consumers. Products and services are customized and a unique value proposition is tailored for each of these segments.

Empowering the front-end & Paperless Processing

Our unique business approach is supported with world-class technology which empowers the front end and enables paperless processing. Single application form for all products is completed by the customer enabling the customer to experience a smooth application process. The front end is empowered through our dynamic rule engine which allows for instant credit decisioning which is quick, reliable and consistent.

Corporate Affluent

Commercial

Rule Engine Business Rules The paperless fulfillment process with image scanning capabilities for remote decisioning minimizing turnaround time for the customer.

Mass Affluent SME

Self-employed Mass Market

Salaried Mass Market

Call Center

Focus Segments

Branches

ATM

Segment Financials

People

• Trained & Competent • Empathic • Responsive • Customer Oriented • Ethical & Fair

Credit & Risk

Products

Collections & Rehab

Customer • Full range Relationship • Life-stage approach • Relationship pricing • Cross-sell benefits • Customized to needs

Process

Analytics

• Superior Service • Simple • Responsive Sales & • Error - free Distribution • Timely • Competent • Friendly

Our customer is at the center of everything that we do. Our business approach is a customer centric one and not a product led one. We begin by identifying a unique value proposition for each customer segment and then delivering against it... ‘Different strokes for different folks’

Product

Service (Hard) • Easy enabled process (e.g., short and simpler application form) • Over the counter indication of loan amount and EMI given (longest, largest, lowest) • Fast and accurate processing (e.g., over the counter account opening) • Dedicated branches for SMM segment

Operations

Marketing

Experience (Soft) • Staff recruited to match ethnic profile and trained • Positioned as ‘being for the customer”; brand name and positioning as ‘customer first’ • Efficient and customised branch design in line with customer behaviour

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The ‘dunia difference’

• Tailored product suite specifically targeted this segment • Simple to understand product suite • Comprehensive credit product offering • Efficient product bundling • Customer profile based credit fulfilment

Dunia’s unique systems allow for 360 degree view of the customer relationship across all channels (Phone, On-line, Branch, ATM, Internet).

Internet

Relationship Manager

Domestic Banks Foreign Banks Dunia Dunia distinctive value proposition

Price / return • Risk – based pricing for asset products • Tiered pricing based on customer profile, history and ongoing behaviour

Convenience • Credit program, document and income requirements based on understanding of customer profile • Located right in the center of community • Extended hour branches (e.g., flexible opening time based on locality)

Dunia has developed a unique technology platform and has been awarded the Banker Middle East Industry Awards 2009 for ‘Best Use of Technology’. Dunia’s proprietary technology platform which has been custom built to support dunia’s unique value proposition and aligned to offer the customer an exceptional user experience, is now set to change how financial institutions do business going forward. 25


Tailor-made pricing and credit limits based on customer’s unique profile. Automatic process of rewarding customers positively for good credit behaviour.

Dunia’s data warehouse allows for analytics based decisioning which is consistent, fair to the customer, and tailor-made to the customer’s unique profile.

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 efficiency

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

The dunia consolidated statement provides a single glance view for the customer of all his/her account details.

Dunia’s interactive website www.dunia.ae is more than just a financial website. It is a site which provides customers with a single URL for all their day-to-day needs.

The 24-hour dunia contact center on +9714 42 – dunia (38642) is a fully manned contact center with staff that speak multiple languages. The call center is more than just an inquiry center, but is also capable of fulfillment for various products & services.

Dunia’s wide distribution network and multiple branches offer a unique experience for the customer as each is tailor-made to customer needs. Dunia has partnered with world-class partners to deliver the best products & services to its customers.

Duniamoney branch

Duniatrade branch

Rajeev Kakar, Executive Director & CEO - Dunia (right) and Denzil Lawson, General Manager, ME & Levant - MasterCard Worldwide (left) signing the partnership agreement. 26

The ‘dunia difference’

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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…

Offering a world of financial solutions to meet your unique needs

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…. • Do you have enough cash to meet unforeseen emergencies? • Do you have a retirement home? If not, how do you start saving for it today? • Have you saved enough for your children’s education? • Are you prepared for and protected against unforeseen circumstances? • Do you have enough savings for retirement? In one snapshot, you get your tailor-made financial plan which is uniquely designed only for you…

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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Credit cards from dunia Platinum, Gold and Silver Cards Key benefits 1 • Up to 2% unlimited CASHBACK and rewards • Exclusive dining and shopping privileges • Comprehensive travel benefits 2 • Dunia Fly Safe travel accident insurance benefits with coverage up to $30,000 • 24-hour access through dunia contact center and dunia online • Convenient utility bill payments • Acceptance at over 28 million merchants worldwide, displaying the MasterCard Worldwide logo • Up to 4 free supplementary credit cards • Enhanced security with dunia photo card option • Peace of mind with dunia’s Fraud Intelligence & Tracking System (FITS)

Credit Cards

Personal Loans

Durable Good Loans

Education Loans

Car Loans

Corporate Deposits

1Cash back of 2% for the dunia Platinum Credit Card, 1.5% for the dunia Gold Credit Card and 1% for the dunia Silver Credit Card. All offers are subject to change at 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 • Tenors ranging from 1 – 5 years • Flexible loans to suit personal needs • Simple and hassle-free process • Attractive interest rates • Tiered pricing – the better the credit history, the better terms our customers get • Dedicated dunia Relationship Manager who provides personalized service and unique tailormade solutions

Credit Cards

Personal Loans

Durable Good Loans

Education Loans

Car Loans

Corporate Deposits

Terms and conditions apply. Loans are provided at the sole discretion of dunia.

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Durable good loans from dunia

Education 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.

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

• Flexible loans to suit your education needs • Repayment options tailored to meet your cash flow needs • Simple and hassle-free process • Attractive interest rates • Tiered pricing – the better the credit history, the better terms our customers get • Dedicated dunia Relationship Manager who provides personalized service and unique tailormade solutions

Key benefits

• Buy a range of durable products at outlets conveniently located near you • Tenors ranging from 1 – 5 years • Flexible loans to suit personal needs • Simple and hassle-free process • Attractive interest rates • Tiered pricing – the better the credit history, the better terms our customers get • Dedicated dunia Relationship Manager who provides personalized service and unique tailormade solutions

DUNIA

Credit Cards

Personal Loans

Durable Good Loans

Terms and conditions apply. Loans are provided at the sole discretion of dunia.

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Education Loans

Car Loans

Corporate Deposits

@ SCHOOL

Credit Cards

Personal Loans

Durable Good Loans

Education Loans

Car Loans

Corporate Deposits

Terms and conditions apply. Loans are provided at the sole discretion of dunia.

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Car loans from dunia

Corporate deposits 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!

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

Key benefits • Lock in higher rates for longer tenors • Flexible tenors from 1 month to 36 months • Liquidity through a loan against your deposits of up to 90%of deposit amount • Dedicated Relationship Manager • 24-hour phone and internet banking services

• Wide dealer network • Tenors ranging from 1 – 5 years • Flexible loans to suit personal needs • Simple and hassle-free process • Fastest approvals • Attractive interest rates • Tiered pricing – the better the credit history, the better terms our customers get • Dedicated dunia Relationship Manager who provides personalized service and unique tailormade solutions

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Credit Cards

Personal Loans

Durable Good Loans

Terms and conditions apply. Loans are provided at the sole discretion of dunia.

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Car Loans Education Loans

Education Car Loans Loans

Corporate Deposits

Credit Cards

Personal Loans

Durable Good Loans

Education Loans

Car Loans

Corporate Deposits

Terms and conditions apply.

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Offering unmatched benefits, rewards and privileges for your staff

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 • Wide product range to meet company and personal employee needs • Exclusive terms and pricing for your staff • Fast and hassle-free process • Dedicated dunia Relationship Manager who provides personalized service and unique tailormade solutions at your door step

Credit Cards

Personal Loans

Durable Good Loans

Car Loans Education Loans

Car Loans

Corporate Deposits

Terms and conditions apply. Credit cards and loans are provided at the sole discretion of dunia.

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Dunia touch points Anytime... Anywhere... 24-hour dunia contact center on 04 42-dunia (38642) • Inquire about your account details • Convenient bill payments • Simple applications for new products • Update your records Dunia online • Access your account details • View your account statements • Convenient bill payments • Simple applications for new products • Send service requests www.dunia.ae • View the latest product information • Live news feeds • Read the financial market commentaries and articles • Entertainment, dining, hospital, car showroom listings, etc. 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 42


Our people are our key strength Diversity

Training and certification

We believe in diversity, equal rights and creating an open, caring culture – the very heart of our values. We have over 30 nationalities and our people speak more than 30 languages.  

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.

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.

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.

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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‘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

EXPERTISE

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Shape the Future

REGULATORY

DUNIA TEAM

HEALTH

EDUCATION

Save for Future

AUTHORITIES

ENVIRONMENT

YOUTH

SOCIAL RESPONSIBILITY

CUSTOMER

Services

SOCIETY

Safe in Future

INDUSTRY

Preserve the Future

CUSTOMER

STAKE HOLDERS

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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.

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

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. 47

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

Dunia press room

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

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

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

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

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

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Dunia brand

Dunia ad gallery

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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Our board of directors

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.

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.

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 Of 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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Our management team

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 last assignment was as the Director – Risk Management for Permata 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 Award – given by the Dubai Economic Department and is also a part of the Women Committee in the Banking Sector – which is run by the Emirates Institute for Banking and Financial Studies.

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Thomas Pereira

Chief Financial Officer With more than two decades of having worked in the Banking Industry in the region, Thomas has expertise in the areas of financial management, strategy and taxation. He is well versed with banking regulations and practices across the region. Thomas was the Chief Financial Officer of HSBC Middle East Limited, based in HSBC’s Middle East Management Office in Dubai until April 2007. Thomas was responsible for the finance function across HSBC’s presence in the region comprising of UAE, Bahrain, Qatar, Oman, Lebanon, Jordan, Kuwait, and Palestine. He was also responsible for HSBC’s regional treasury support function in the Middle East. On completion of his articleship with PricewaterhouseCoopers in Mumbai, Thomas qualified as a Chartered Accountant in India. He is an Honors graduate from the Sydenham College of Commerce and Economics in Accounting and Auditing.

Richard Williams

Human Resources Head Richard has many years of experience in the HR field. Prior to joining dunia, Richard spent over 17 years with the American Express Company. Most recently he was the Vice President of Human Resources for Latin America, Caribbean and Canada, the largest international region. He was based in Miami and led the human resources function supporting businesses in eight countries and a workforce of over 10,000. The region was recognized as a top 100 employer by Great Place to Work. Richard held several senior positions across Asia, Great Britain, U.S. and Mexico. Richard was born in Mombasa, Kenya. He holds a Bachelor of Arts in Political Science from San Diego State University.

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Anthony D’Souza

Compliance Head Anthony D’Souza (better known as Tony) comes with more than three decades of rich and varied work experience across various regions and geographies. Until April 2006, Anthony was with Trans Arab Investment Bank (TAIB) – Bahrain as the Senior Vice President and Head of International Division responsible for US, UK, India, Turkey and Kazakhstan operations. Prior to this, Tony completed two stints with Investcorp Bank EC – first from July 1990-June 1995 as Head of Audit and Head of corporate projects; and then again as an external consultant on treasury, global asset management and risk management projects from 1997 to 2002. His longest tenure was with Citigroup where he worked on multiple assignments across the globe, particularly in Australasia. Tony has a Bachelor of Arts degree from Bombay University in 1969 and completed his Professional Accountant and Internal Auditor courses in 1978.

Dhruv Panchal

Chief Information Officer Dhruv has 25 years experience in the IT industry with over 15 years in the banking and finance sector. Prior to joining dunia, Dhruv headed the Retail Banking Technology for Citigroup’s Europe, Middle East and Africa (EMEA) consumer division based in London. During the 15 years stint with Citigroup Dhruv has successfully led the technology startups for the new Citibank Franchises in Central/Eastern Europe and Middle East (CEEMEA) – UAE, Bahrain, Pakistan, Turkey, Poland and Hungary, Czech and Russia. Dhruv holds a degree in Mechanical Engineering – Bachelor of Technology from IIT, Delhi.

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Dunia Finance Centers 24-hour dunia contact center on +9714 42-dunia (38642) Dunia Customer Service, P.O. Box 44005, Abu Dhabi, UAE customerservices@dunia.ae www.dunia.ae

Head office: Dunia Finance LLC, P.O. Box 44005 Abu Dhabi, UAE

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A world of financial opportunities Table of contents Changing the way people see and experience life Rajeev Kakar Executive Director & C...