Mashlab xxxxx xxxxxxx xxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx PO Box xxxxxx DUBAI, xxxxxxxxxxxxxxxxxxxx

Total Statement Summary

Mashlab xxxxx xxxxxxx Statement date: 01/03/2012
dunia Credit Card Current Outstanding: AED 946.19 Minimum Due: AED 100.00 Due Date: 22/03/12 Total Outstanding: AED 946.19

Important Note : Effective March 15th, 2012, dunia Fly Safe, the complimentary travel accident insurance cover offered through American Home Assurance Company to dunia Platinum, Titanium, Diamond and Gold card holders, will be withdrawn. Important Note : As per the directions from the Central Bank, with effect from November 19th, 2011, all money transfers/payment instructions must include the 'International Bank Account Number'(IBAN) of the recipient. IBAN is a 23 digit alpha numeric code which has the country code, bank code, currency code and additional number fields prefixed to the existing bank account number. Please note that if you are paying through post dated cheques or through an Exchange House, no action is required from your side. For other payment options, please note payment details mentioned at the end of this statement or visit www.dunia.ae/payments . Pursuant to United States Government sanctions against certain countries, MasterCard has advised that it will refuse to authorize card transactions originating in the Syrian Arab Republic. While the sanctions are in effect, you will not be able to use your dunia MasterCard Credit Card in the Syrian Arab Republic.

All products, services and procedures of dunia are subject to the dunia terms and conditions copies of which are available at the dunia offices or may be viewed at www.dunia.ae/termsandconditions .Terms and conditions are subject to change without prior notice. For the latest Schedule of Charges, please visit www.dunia.ae/fees or call our 24 hour contact centre on 04 42-dunia (38642). PO Box 44005, Abu Dhabi, UAE www.dunia.ae 1 2001133432

Mashlab xxxxx xxxxxxx Statement date: 02/02/12 - 01/03/12

dunia Credit Card

Card Number xxxx-xxxx-xxxx-2277 Card Number xxxx-xxxx-xxxx-2277 Transaction Date 29/02/12 29/02/12 01/03/12 01/03/12 01/03/12 Card Number xxxx-xxxx-xxxx-2277 Statement Date 01/03/12 Statement Date 01/03/12 Posting Date 01/03/12 01/03/12 01/03/12 01/03/12 01/03/12 Previous Balance 0.00 Current Balance 946.19 Total Operating Limit 3 5,000.00 Description Primary Card No: xxxx-xxxx-xxxx-2277 SAFEER MARKET AL AIN [AED ] E I T TELECOM -DU DUBAI [AED ] Dunia Wallet & Life Guard Premium Dunia Credit Shield Premium CASH BACK Purchase/Cash Advance 950.89 Interest/Other Charges 0.00 Payment/Credits 4.70 Amount Past Due1 0.00 Available Operating Limit 4 103.81 Minimum Payment Due2 100.00 Available Cash Limit 5 103.81 Pay Before 22/03/12 Pay Before 22/03/12 Amount 469.90 467.00 7.00 6.99 -4.70 Current Balance 946.19

All products, services and procedures of dunia are subject to the dunia terms and conditions copies of which are available at the dunia offices or may be viewed at www.dunia.ae/termsandconditions .Terms and conditions are subject to change without prior notice. For the latest Schedule of Charges, please visit www.dunia.ae/fees or call our 24 hour contact centre on 04 42-dunia (38642). PO Box 44005, Abu Dhabi, UAE www.dunia.ae 2 2001133432

Mashlab xxxxx xxxxxxx Statement date: 02/02/12 - 01/03/12

Payment options for Credit Cards :

1. Make payment at our dunia branches located at: Abu Dhabi Hamdan Street Al Ain Salah El Deen Street Dubai Media City Sharjah Al Wahada Street Opposite Emirates General Market Town Center behind KM Trading Al Salam Tecom Tower on Sheikh Zayed Road Opposite Sharjah City Center

2.

If you have an account with any of the following banks, you can pay directly into dunia's account by making an internal transfer or by paying cash at their teller counter: If you have an account with: Abu Dhabi Commercial Bank First Gulf Bank Mashreq National Bank of Abu Dhabi Please make a credit to dunia's International Banking Account Number(IBAN): AE800030000612960020001 AE650271031001256020013 AE620330000010496819119 AE360350000006200602163

Please ensure payment is made at least 3 days prior to due date to ensure funds are credited to your account in time. Please mention your customer number (10 digit number located at the back of your credit card) as reference while transacting or making a cash deposit. After making a transfer or a cash deposit, kindly send an email to customerservices@dunia.ae providing us with details of the bank name, card number, date and amount of transfer or cash cash deposit made in order to ensure that payment is tracked and promptly credited to your account . 3. Pay at any UAE Exchange or Al Ghurair Exchange. Please ensure payment is made at least 3 days prior to due date to ensure funds are credited to your account in time. You can access the list of payment locations by visiting www.dunia.ae/payments or by calling the 24-hour dunia contact center on 04-42 dunia (38642). 4. Send a cheque payable to Dunia Finance L.L.C (write your card number) and mail together with a copy of this statement to: Dunia Finance L.L.C, P.O Box 44005, Abu Dhabi, UAE. Please write your card number on the back of the cheque and ensure that your cheque payment is received 5 days prior to payment date to allow clearing of your cheque and to avoid charges.

Important Notes :
1 Any unpaid amount of the minimum payment due from the previous months. 2 You may pay your card balance in full or in partial payments. If you have an outstanding balance, each month you must pay the minimum amount due by the payment due date. 3 The operating limit represents the maximum credit amount to which your dunia credit card can be currently used by you and/or your supplementary card holders. The Credit Limit represents the maximum amount to which we may increase your Operating Limit. 4 Available operating limit reflects both billed transactions and unbilled transactions made by the customer. 5 Available cash limit reflects the amount that can be withdrawn by the customer in cash. 6 Club Apparel loyalty programme terms and conditions apply and are available at www.clubapparel.ae. For details on Club Apparel points accumulated please visit www.clubapparel.ae or call 800-apparel(2772735). 7 As per the latest applicable dunia General Terms and Conditions(Part II, Clause 15.3) "dunia is authorized to debit, any amount due and outstanding from you for our Products and Services to your credit card account including principal, interest, charges, fees and commissions. You will settle such amounts in accordance with the provisions of Part V below." (Part V contains the Terms and Conditions for Credit Cards). For the latest Terms and Conditions please visit www.dunia.ae/termsandconditions . * All values, except where specified, are AED denominated.

All products, services and procedures of dunia are subject to the dunia terms and conditions copies of which are available at the dunia offices or may be viewed at www.dunia.ae/termsandconditions .Terms and conditions are subject to change without prior notice. For the latest Schedule of Charges, please visit www.dunia.ae/fees or call our 24 hour contact centre on 04 42-dunia (38642). PO Box 44005, Abu Dhabi, UAE www.dunia.ae 3 2001133432