ADCB and Saadiyat Development and Investment Company sign customer home loan agreement for Hidd Al Saadiyat

Construction on villas now 25-percent complete. 70-percent of units already sold

Abu Dhabi, xx April 2014: : Abu Dhabi Commercial Bank (ADCB) and Saadiyat Development
and Investment Company (SDIC) have announced the signing of a customer financing
agreement for Hidd Al Saadiyat, a luxurious residential development project on
Saadiyat Island, Abu Dhabi. As part of the agreement, Hidd Al Saadiyat beachfront
development homeowners will benefit from ADCB’s attractive mortgages and Ijarah
financing options.

Covering 1.5 million square meters of land with 7 kilometers of beaches, the Hidd Al
Saadiyat project will provide residents a safe and luxurious environment on the
shores of the Arabian Gulf, minutes away from Abu Dhabi City. The community will
consist of 452 villas, with commercial centers, hotels, apartments, beach clubs and
amenities, conveniently located within reach.

Combining modern and traditional Mediterranean designs, Hidd Al Saadiyat seamlessly
integrates the ocean and the beach into every detail of its villa designs. As a
comprehensive development surrounded by the serene beauty of the natural
environment, Hidd Al Saadiyat blends natural landscape with sustainably designed
villas, apartments, retail space, hotels and schools. The project has obtained
Estidama Pearl 2 rating for compliance with Abu Dhabi’s sustainability standards of
new projects.

Commenting on the strategic partnership, Arup Mukhopadyay, Head of Consumer Banking
at ADCB said, “ADCB is delighted to have partnered with SDIC on the prestigious Hidd
Al Saadiyat development. The strategic partnership will allow us to extend our
financial solutions conventionally to customers who desire owning their dream home
in one of the region’s most luxurious beachfront communities. This tie-up brings
together our bank’s product suite and service excellence with a world class real
estate company; a truly win-win partnership. We look forward to working with SDIC to
provide our valued clients with best-in-class financial solutions.”

Mubarak Al Khaili, Board Member of Saadiyat Development and Investment Company
(SDIC), developer of the project, said, “Hidd Al Saadiyat residential development
has evoked tremendous interest among UAE Nationals as well as other communities. Our
strategic tie-up with a well-reputed financial institution such as ADCB will serve
the growing demand from home seekers who are looking for a serene natural
environment and high-end island living, minutes away from Abu Dhabi city.”

The construction work on the project began in October 2012; the company began
building the villas in July 2013, accomplishing more than 25% of the first phase of
its construction. The project successfully sold more than 70% of the villas up to
date.

Saadiyat Development and Investment Company and Al Hilal Bank sign customer home finance deal for Hidd Al Saadiyat

Construction on villas now 25-percent complete. 70-percent of units already sold

Abu Dhabi, X June 2014: Al Hilal Bank and Saadiyat Development and Investment
Company (SDIC), developers of the luxurious beachfront residential development –
Hidd Al Saadiyat – has signed a strategic partnership agreement offering potential
home seekers and investors the opportunity to own their dream homes through
competitive home finance options.

The upcoming residential community covers 1.5 million square meters with 7
kilometers of beaches on Saadiyat Island, the cultural district of the capital. It
will provide residents the finest offerings on the shores of the Arabian Gulf,
minutes away from Abu Dhabi City. The community will consist of 452 villas,
commercial centres, hotels, apartments, beach clubs and amenities, conveniently
located within reach.

Through the agreement with Al Hilal Bank, SDIC is increasing the number of
competitive mortgage options available to buyers interested in the project. Mounir
Haidar, Managing Director of Saadiyat Development and Investment Company (SDIC),
said, “Hidd Al Saadiyat is a one-of-a-kind project in Abu Dhabi. The interest that
the project has generated so far is a clear indicator of the growing demand for
high-caliber, resort-style community living close to the city. Given the solid
reputation of the leading Islamic bank, Al Hilal Bank, we are delighted to have
partnered with them for providing home financing options to our prospective
clients.”

Mohamed Jamil Berro, CEO, Al Hilal Bank said, “This new partnership between SDIC and
Al Hilal Bank proves to be both timely and strategic as it aims to play a key role
in further strengthening Abu Dhabi’s real estate segment. We look forward to working
closely with SDIC—offering key home financing opportunities for their potential
buyers and helping them realize their dreams of owning their own homes.”

Combining modern and traditional mediterranean designs, Hidd Al Saadiyat seamlessly
integrates the sea and the beach into every detail of its villa designs. As a
comprehensive development surrounded by the serene beauty of the natural
environment, Hidd Al Saadiyat blends natural landscape with sustainably designed
villas, apartments, retail space, hotels and schools. The project has obtained
Estidama Pearl 2 rating for compliance with Abu Dhabi’s sustainability standards of
new projects.

The construction work on the project began in October 2012; the company began
building the villas in July 2013, accomplishing more than 25% of the first phase its
construction. The project successfully sold more than 70% of the villas up to
date.

Saadiyat Development and Investment Company (SDIC) signs Home Financing Agreement
with Aseel Islamic Finance

Abu Dhabi, xx February 2014: Saadiyat Development and Investment Company (SDIC) has
signed a strategic agreement with Aseel Islamic Finance, to provide its customers
Shariah-compliant financing for villas located in Hidd Al Saadiyat, a luxurious
residential development project on Saadiyat Island, Abu Dhabi.

Located on a land area covering nearly 1.5 million square meters with nearly 7
kilometers of waterfront, the Hidd Al Saadiyat project will provide residents the
finest offerings on the shores of the Arabian Gulf, minutes away from Abu Dhabi
City. The community will consist of 450 villas, commercial centres, hotels,
apartments, beach clubs and amenities, conveniently located within reach.

SDIC’s home finance agreement with Aseel Islamic Finance is a strategic move that
resonates with the developer’s commitment to ensure that its customers are offered
attractive financing facilities.. The tie-up helps SDIC provide buyers with
convenient options of obtaining finance solutions which can be tailor-made to suit
the buyer’s requirements.

Mounir Haidar, Managing Director of Saadiyat Development and Investment Company
(SDIC), developer of the project, said: “Hidd Al Saadiyat is a uniquely planned
residential community that will offer families in Abu Dhabi luxurious beach-front
villas set within a serene natural environment. As a leader in the UAE’s Islamic
real-estate financing sector, Aseel Islamic Finance is the ideal partner for this
project and we are very excited to be working with them. The partnership will allow
us to extend our offering to many more discerning customers who desire to be part of
this distinguished beachfront community”.

Javed Afzal, CEO of Aseel Islamic Finance said, “We’re very pleased to be partnering
with SDIC on this prestigious project and we are looking forward to providing Hidd
Al Saadiyat customers with a great range of home financing options which will help
them finance their dream home. Buyers will benefit from world-class,
Shariah-compliant home finance solutions which offer competitive profit rates,
finance amounts permissible by the Central Bank and flexible payment structures to
suit their individual requirements – all whilst enjoying the highest standards of
living in one of Abu Dhabi’s finest settings.”

Combining modern and traditional Mediterranean design, Hidd Al Saadiyat seamlessly
integrates the ocean and the beach into every detail of its villa designs. As a
comprehensive development surrounded by the serene beauty of the natural
environment, Hidd Al Saadiyat blends natural landscapes with sustainably designed
villas, apartments, retail space, hotels and schools. The project has obtained
Estidama Pearl 2 rating for compliance with Abu Dhabi’s sustainability standards of
new projects.

The Villas construction is underway. SDIC awarded the construction contract to Al
Jaber Buildings in June 2012 and the project is expected to be completed during
2016.

The future has arrived at Hidd Al Saadiyat

State-of-the-art system allows residents to control their homes from a variety of
interfaces

Abu Dhabi, 8 July 2014: In keeping with the needs of the future, Saadiyat Development
and Investment Company (SDIC) has adopted a smart home automation system from UT
Technology, an Etisalat subsidiary, in its newest luxurious beachfront residential
development – Hidd Al Saadiyat, located at Saadiyat Island.

The system, user-friendly and intuitive to use, will give residents the power to take
complete control over their home environment. With the simple touch of a button,
from their smartphone, tablet or LCD keypad, residents will command lighting, audio,
video, climate, energy and safety elements, ensuring the perfect living experience
for them and their families.

Besides making life easier for residents, by allowing them to create unlimited
settings for activities, control individual devices and monitor security systems,
this highly adaptable home automation system fulfills the Estidama initiative of
supporting the Abu Dhabi Urban Planning Vision 2030.

Ahmed Alhashimi, Deputy CEO of UT Technology, said, “At UT Technology we work hard to
develop smart solutions that will transform and simplify the UAE lifestyle. Our goal
is to connect people and educate the new generation about the benefits of smart
cities, always keeping in mind the Abu Dhabi 2030 vision and the Estidama rating for
sustainability standards.”

“Saadiyat Development and Investment Company (SDIC) is committed to implement
sustainable practices that are in compliance with Abu Dhabi’s sustainability
standards of new projects and help the country become a benchmark for sustainable
development, globally,” added Dr. Adnan Sahli, Chief Operating Officer of LEAD
Development, working as the Development Manager for Hidd Al Saadiyat.

The automation system adopted at Hidd Al Saadiyat also offers residents a series of
other benefits, such as a community portal through which they can benefit from full
integration with e-Life service, unified billing integration, real time monitoring,
reporting, and much more.

Dr. Sahli, concluded, “We are creating the perfect place to work, live and play and
we’ve thought through every detail to make sure it is exactly what the tenants of
our project require.”