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     AIMS
     244 Robin Hood Lane
     Blue Bell Hill
     Chatham ME5 9JY
     Kent
     United Kingdom.

     Uof Marathon
     # 85-70
     Western Dr, Houston
     Texas 77055
     U.S.A.

     Hawks Financial Services
     301C - 3050
     Confederation PKWY
     Mississauga ON L5B 3Z6
     Canada

     Pebble Hills University
     Villa MontFleuri
     24 Montée de Cimiez,
     Nice 06000
     France

     Al Mihad Institute,
     2nd Floor, Dubai Insurance Building
     Al Riqqa Road,
     Deira Dubai, Dubai
     United Arab Emirates

     PIE
     Suite # 802, Trade Tower
     Abdullah Haroon Road
     Karachi
     Pakistan.

     SNIT
     Old Moka Road
     Belle Village 00230
     Mauritius

     Green Oasis Associates Ltd.
     Sokoto Road
     P. O. Box 122
     Zaria, Kaduna State
     Nigeria

The growth of Islamic banking will create a virtuous circle. As the industry grows, competition will force Islamic banks to provide products with risk/return profiles that are comparable to their conventional counterparts. This will create a big shift, a transfer of funds from the conventional to the Islamic system. It will have an exponential effect on our industry.