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SUBJECT : EMAD GENERAL TRADING & CONTRACTING COMPANY WLL ADDRESS Location Area : Shuwaikh Industrial Area Street : Street No. 4 Building : Building No. 20 Town : Shuwaikh Country : Telephone : (965) 481 5705 ext 200-201 / 848848 / 243 3881-2 / 243 3885-6 Fax : (965) 484 2021/ 242 5874 / 243 3882 / 2433 886 Postal Address P.O. Box : 148 Postal Code : Safat 13002 Country : MANAGEMENT Emad Essam Sheikha Jassem Al Marzoq Mohamed Othman Al Anjari Adel Mohammed Al Assadi Chairman Director Director Managing Director General Manager Fahd Abdulrahman Al Hasawe Equifax All rights reserved.

Waled Abdulrazaq Ashtua Helme Gerges Fahme Waled Saleh Sulaiman Monir Assaad Kayyali Saud Abdulaziz Al Sedirawi Abdul Mohsin Abdulaziz Al Misgari PROFILE Legal Form : Limited Liability Company Shareholders (i national) Emad (i national & Son of the above) Essam (i national & Brother of the above) Sheikha Jassem Al Marzoq (i national) Date Started : 1992 Capital : Not Provided History : The subject entered a claim of KD 59,792 from the United Nations for damages sustained during the war with Iraq, in the year 2000 they were awarded KD 47,367 under claim number: 4003968 Equifax All rights reserved.

Personal Profile on Mohamed Abdulrahman Al Bahar (Chairman): ------------------------------------------------------------------------ --------- i national, born in in 1920. Chairman of National Bank of, Shipping Agents Association; Director of Chamber of Commerce & Industry. Local Sponsor for the British School in, Local Agent for Caterpillar, Unilever, Lipton Tea, Rowntree, General Electric, 3M, Hermes and Hunter Douglas. Affiliated companies to the subject: Al Bahar Construction Company Nasser Al Saeed Building, 4th Floor, Office No.14 & 16 Al Sharq Area, behind the New Ministry of Health P.O. Box 3725 Safat 13058 Tel : (965) 243 6005 Fax : (965) 240 7175 Started in 1984. Al Bahar Industries WLL Saban Industrial Area, Block No.2, Plot No.167 P.O. Box 1990 Safat 13020 Tel : (965) 4717010 / 4717040 Fax : (965) 4745478 Tlx : 31065 JBPHEXA Started in 1972. Al Bahar International Group Shuwaikh Area, behind 7UP Factory P.O. Box 26672 Safat 13127 Tel : (965) 484 8601 Fax : (965) 484 4689 Tlx : 30332 CASBAR KT Al Bahar Shipping Tel : (965) 240 1900 Fax : (965) 241 1714 Shipping agents Al-Bahar Travel Agency (BTA) Equifax All rights reserved.

Tel : (965) 241 0609 Fax : (965) 242 3925 Al Bahar United Trading And Contracting Company Al Banna Building Al Jaber Street P.O. Box 25781 Safat 13118 Tel : (965) 2401338 / 2401339 Fax : (965) 2427406 Tlx : 44686 BAFACO Started in 1979. Emad Shipping Agencies Tel : (965) 246 2435-8 Fax : (965) 246 2396 Jassim Al Bahar And Partners WLL Sabhan Area P.O. Box 1990 Safat 13020 Tel : (965) 471 7010 / 471 7040 / 471 6348 Fax : (965) 4728519 Tlx : 31065 JBPHEXA KT Started in 1972. C.Reg.No: 16606 ( Commercial Register) (Heavy Engineering Division) P.O. Box 148 Safat 13002 Tel : (965) 481 0855 Fax : (965) 483 6866 Distributors for Caterpillar, USA and Volvo, Sweden. Mohammed Abdul Rahman Al Bahar Establishment Al Bahar Building Abu Baker Street, Behind Sheraton Hotel P.O. Box 148 Safat 13002 Tel : (965) 243 3881 / 481 0855 Fax : (965) 242 5874 Tlx : 22068 KT Equifax All rights reserved.

Started in 1950 C.Reg.No: 44 ( Commercial Register) And Partners Al Bahr Building Abu Baker Street Near Al Shahrazad Roundabout, Al Qibla Area. P.O. Box 609 Safat Tel : (965) 243 3881 / 484 1566 / 242 8734 / 242 1333 / 242 1334 Fax : (965) 240 6707 Tlx : 22302 MDATASIM KT / 22068 KT / 46947 KT Date Started : 1960 C.R. No: 0375 ( Commercial Register) Oasis Shipping Agencies (OSA) Tel : (965) 242 6213 Fax : (965) 246 2306 Oasis Trading Company Limited Shuwaikh Port, Area No. 3 Street No. 105 Block No. 32 P.O. Box 409 Safat 13005 Tel : (965) 848848 / 481 0855 / 243 3881 / 243 3885 / 243 3882 / 243 3886 Fax : (965) 483 6866 / 241 3957 / 240 6707 / 481 2698 Oasis Travel & Tourism Agency (OTTA) Al Marzouk Building Behind Al- Bahar Travel Agency Al Sour Street Tel : (965) 241 4404 / 241 4423-24 / 241 4427 Fax : (965) 242 6868 Travel agents, exclusive agents for Alitalia Overseas affiliated companies to the subject through Mohammed Abdulrahman Al Bahar: General Head Office Al Wasit Street Equifax All rights reserved.

Industrial Area No. 3 P.O. Box 6038 Sharjah United Arab Emirates Tel : (6) 533 1271 Fax : (6) 532 5769 / 533 5132 Dubai Branch Deira P.O. Box 1170 United Arab Emirates Tel : (4) 266 0255 Fax : (4) 266 7342 Abu Dhabi Branch Sector M-15, Plot 36 Mussafah P.O. Box 441 United Arab Emirates Tel : (2) 555 4200 Fax : (2) 554 0061 Al Ain Branch New Industrial Area Mazyad P.O. Box 15354 United Arab Emirates Tel : (3) 782 5060 Fax : (3) 782 5035 Oasis Trading and Equipment Company Muscat Branch Airport Road Ghala Roundabout Azaiba P.O. Box 2 Jibroo 114 Muscat Oman Tel : (968) 592272 Fax : (968) 591626 Oasis Trading and Equipment Company Salalah Branch Equifax All rights reserved.

Camp No. 5 Al Rubat Street P.O. Box 1010 Salalah Oman Tel : (968) 290637 Fax : (968) 290970 Qatar Branch Street No. 15, Block No. 46 Salwa Road Industrial Area P.O. Box 2171 Doha Qatar Tel : (974) 460 0222 Fax : (974) 460 0225 Bahrain Branch Factory No. 110 Road No. 42 Industrial Area No. 343 P.O. Box 5357 Manama Bahrain Tel : (973) 728270 Fax : (973) 727767 OPERATION Importers, wholesalers, suppliers, stockists and retailers of consumer products and foodstuff. Suppliers to fifty co-operative societies and twelve supermarkets locally. Imports From : Europe, Far East and USA. No. of Employees : 30 Annual Sales Annual Profit 2001 : KD 2,000,000 2001 : Not Provided Equifax All rights reserved.

PREMISES Subject occupies administration offices and warehousing facility located at the above address, shared with other affiliates. REFERENCES Bank National Bank of SAK Abdullah Al Salem Street P.O. Box 95 Safat 13001 Tel : (965) 242 2011 (20 lines) Fax : (965) 246 4156 Tlx : 22043 NATBANK KT COMMENT Subject is a medium sized business, which was founded in 1992 and is owned by one of 's most respected business families. Our investigations have shown no reason to doubt the credit worthiness of this company. In our opinion the subject should be good for credit figures up to US $ 250,000. Opinion on the given credit figure of GBP 200,000: In our opinion the above figure is higher than recommended for this company. Following the recent terrorist attacks which occurred in the USA on Tuesday, 11 th September, 2001 and the subsequent speculation that Arabs may have been involved, it should be noted that there may be an increased risk of political action, sanctions or even military retaliation against countries in the region. In view of this, in our Equifax All rights reserved.

opinion exporters to the region should exercise an appropriate degree of caution. END OF REPORT Equifax All rights reserved.