COMPANY ANNUAL RECOGNITION AWARDS

FOR EXCELLENCE AND SIGNIFICANT CONTRIBUTIONS TO L.A.R.I.B.A. BANKING AND FINANCE

"Every year theBoard Of Directors of American Finance House L.A.R.I.B.A. nominates a distinguishedcontributor to the growth, popularization and promotion of halal financing,economics and monetary theory.


YEAR

WINNER

COUNTRY
OF ORIGIN

1999

1999 LARIBA AWARD FOR EXCELLENCE IN ISLAMIC BANKING

Dr. Saleh Jameel Malaikah

Chief Executive Officer
Albaraka Investment & Development Co.

For his institutionalization of Albaraka Islamic Banking Operations Worldwide, and the pioneering and development of Islamic Mutual Funds that invest in the Japanese, European, North American and Global Markets.


1999 LARIBA ENTREPRENEUR OF THE YEAR AWARD

Mr. Razi Mohiuddin

Co-Founder of Onsale.com

For his pioneering role in starting from the possible to develop onsale.com from a small company into an important factor in the Internet industry. He is an important role model for our youths to emulate.


SPECIAL LARIBA AWARD FOR FAIR REPORTING

Mrs. Marla Dickerson

Staff Reporter, Los Angeles Times

For her fair reporting on Islamic Banking in the United States in her Lead Front Page Article in the Los Angeles Times dated March 17, 1999.

Saudi Arabia

Pakistan

USA

1998

Professor Khurshid Ahmad

Professor Khurshid Ahmad has been an importantinstrument in the implementation and popularization of LARIBA Banking inPakistan for the past twenty years.

He served as the Minister of Planning in Pakistanand as a senator from 1985 until 1997. His strategies have made a differencein Pakistan and in many developing and developed countries worldwide.

Professor Khurshid was the recipient of the IslamicDevelopment Bank (IDB) award in 1989 and the King Faisal International Award in Social Sciences in 1990.

He is a prolific writer and book author. He isthe founder of the Muslim Institute in the United Kingdom -- a "ThinkTank" which deals in strategic studies in world affairs and in LARIBABanking.

Professor Khurshid is also the founder of theInstitute of Policy Studies in Islamabad, the Islamic Republic of Pakistan.


Zubair Kazi

Zubair Kazi is the second largest franchisee ofKentucky Fried Chicken (KFC) restaurants in America, with stores sprawlingfrom the East Coast to the West Coast to Hawaii.

He is also in the fish farming business, bankingand the film industry. Zubair and his wife Katija have been an importanthumble factor in AFH-LARIBA's success and in achieving the dream of a bankingsystem that will serve the community.

Pakistan

1997

Prof. Sabahattin Zaim

Dean of the Economics Department,
Sakarya University

The 1997 award went to
Prof. Dr. Sabahattin Zaim
for his pioneering the origination of
Modern Islamic Banking
with Dr. Ahmad Al-Najjar
and the organization of
Islamic Development Bank
while teaching at
King Abdul-Azeez University,
Jeddah, Kingdom of Saudi Arabia.

Dr. Zaim also served in many
Industrial Chairmanship of
Board of Directors, an in many
Turkish Government Committees.

He is also one of the
economic advisors of
Turkish Government.

Turkey

1995

Mr. Mohammad Noor Bin Yackop

Adviser - ABRAR Group Int., Malaysia

1995 award went to H.E. Mr. Muhammad Nor Bin Yakcop,the central banker from Malaysia who is considered the 'father' of halalbanking in Malaysia; the most sophisticated and Malaysian Government sanctionedhalal banking system in the world.

In fact, thanks to Allah and his efforts, MalaysianCentral Bank runs two books one for halal L.A.R.I.B.A. banking andthe other for traditional western RIBA banks.

Malaysia

1994

Mr. Saleh Abdullah Kamel

Chairman of Dallah Al Baraka Group

The 1994 award went to H.E. Sheikh Saleh AbdullahKamel for his concentrated efforts in popularizing halal banking over 25years through Albaraka banks and finance houses in over 30 countries world-wide.

Kingdom of Saudi Arabia

1993

Prof. Najatullah Siddqui

Professor, Alligrah Muslim University

The 1993 award went to H.E. Prof. Dr. NejatullahSiddiqui of Aligrah Muslim University in India for his outstanding extensiveliterature review of halal financing and economic system since the timeof Prophet Muhammad (peace be upon him) till modern times.

India


THIS IS NOT A SOLICITATION TOBUY,SELL, &/OR SOLICIT BUSINESS AND FINANCING

IT IS A PROGRESS REPORT ON THE DEVELOPMENTOF THE COMPANY.

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