Ef.

~RADE
Dubai International Financial Centre The Gate Village Building 5, 2nd Floor Dubai, UAE PO Box 506638 The smites offered byE*TRAlJE Securities limited. Dubai Branell are limited
to arranging and marketing.

us INDIVIDUAL

BROKERAGE ACCOUNT APPLICATION

Documentary evidence requirement for Account Opening: 1. A certified copy of your current signed passport with photo (or Signed 10 card or driving license). Qualified certifier includes registered lawyer, registered notary, chartered accountant, government ministry, post office, police officer, embassy or consulate. Contact details of the certifier should be provided as well. 2. An original utility bill (electricity, water, gas, telephone) or a bank statement not older than 3 months Please submit all the above evidence with your completed application. your

How to Apply for a Brokerage Account

Complete sections 1-5 FlY joint account, please submit an additional passport copy, W-88EN form and evidence of above

You need to complete W-8 BEN form if you're not a U.S. Citizen. We cannot process application without this item. Questions? Call +971.44269600 1 Fax: +971.44255790/1

residential address
Mail your completed application to the address Are you acting for a third party?

1 Email : [email protected]

E1NO

[J YES. dYES.

please pro~de a written statement from tile third party confirming tIlatyou are

acting on hislher behalf.

IMPORTANT INfORMATION ABOUT PROCEDURES fOR OPENING A HEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, the USA Patriot Act requires all financiallnstitutioos tu obtain, verify, and record Information that identifies each person who opens an account What this means for you: When you open an account, we will ask for your name, address, date 01 birth, and other infonnation that will allow us to identify you. We may also ask to see your drivers license or other identifying documents

Securities

industry

regulations

require that we collect all of the following Co-Account

information.

Primary Account Holder

[lMr. [lOr. [l Ms. Name (first, middle initial, last)

Holder (if applicable)

Ms. Name (first, middle initial. last)

n-.
[l Dr

[l

Irfan Aziz
Home Street Address (cannot be a P.O. box)

Home Street

Address

(cannot be a P.O. box)

Street No. 334/4A, OM Bldg. No. 30 Flat No.8, Satwa

C~,PonalCode,Counby C~' Ponal Code, Country

Oubai, United Arab Emirates

Mailing Address (if different from above; P.O. box may be used) Mailing Address (if different from above; P.O. box may be used)

City, Postal Code, Country

City, Postal Code, Country

Home Phone (include country code)

Business

Phone (include country code)

Home Phone (include country code)

Business

Phone (include country code)

971-50-4754620
E-mail Address (required for account updates) E-mail Address (required for account updates)

imran [email protected]
Date of Birth (mm/dd/yyyy) If Applicable, U.S. TIN No. Date of Birth (mm/dd/yyyy) If Applicable, U.S. TIN No_

11/25/1989
Employment Status D Self-employed Employment Status D Self-employed

I!!] Employed
D Employer

[J Retired

Student

DEmployed

[J Retired

Student

Not Employed Specific Occupation

[J Not
Employer

Employed Specific Occupation

Mashreq Bank
Line of Business

Processor
Line of Business (Thisbox must be filled in by both employed and self-employed persons)

(Thisbox must be filled in by both employed and self-employed persons)

Processor
Business Street Address Business Street Address

Omar Ibn AI Khatab Rd, Next to AI Ghurair Center, Oeira

City, P.O. Box, Postal Code, Country C~' P.O. Box, Postal Code, Country

Oubai, United Arab Emirates

Are you employed by a registered bank, or other financial institution securities broker/dealer, investment listed on a U.S. Stock Market? letter on letterhead advisor, Are you employed by a registered bank, or other financial institution securities broker/dealer, investment listed on a U.S. Stock Market? letter on letterhead advisor,

Ii!] [J

No Yes (you must submit a compliance

with this application)

[J [J
1

No Yes (you must submit a compliance with this application)

Continued on next page

(02105/09)

XB us, Individual

BROKERAGE

APPLICATION

Primary Account Holder

Co-Account
or policymaker of a publicly held company? _ firms or mutual fund companies?

Holder (if applicable)

10% shareholder companies) or policymaker of a publicly held company? _ firms or mutual fund companies?

o
o
~

Are you a director, No

10% shareholder companies)

lEI Yes (specify 0 Yes (check

Are you a director, No

DYes (specify
0 Yes (check
(traditional)

Do you have accounts No

at other brokerage

all that apply below)

Discount (traditional)

0 Discount
please

(electronic) provide

0 Full Commission
information. of Issue

o o

Do you have accounts No

at other brokerage

all that apply below)

Discount

0 Discount

(electronic)

0 Full Commission
need to attach a W-9 form) of Issue

K you are not a U.s. citizen, Passport Number

the following

(U.S. citizens residing abroad Passport Number Country

Country

United Arab Emirates

Country of Legal Residence (please attach Form W8BEN) Country of Legal Residence (please attach Form W8BEN)

United Arab Emirates

Country of Citizenship (please attach FORM W-8BEN) Country of Citizenship (please attach FORM W8BEN)

Pakistan
If you have been at your current Street Address address for less than six months, please provide your previous Street Address address

City, P.O. Box, Postal Code, Country

City, P.O. Box, Postal Code, Country

Securities Overall Investment (choose only one)

industry Objective

regulations

require

that we collect the foHowing Investment Experience IEINone

Information:

For joint accounts

please

indude

combined

amounts.

for this Account

Annual Income Il!IS1).14,999 []S15,OOO-S24,999

Approximate Net Worth (excluding residence) 1[]$O-24,999 Ii!IS25,OOO-$49,999 I[]SSO,Ooo.S99,999 ICIs100,OOO-$499,999 ICIssoo,ooo-s999,999 ICIs1,ooo,ooo+

Approximate Liquid Net Worth (cash, stocks, etc.) [jso-14,999 [Js1S,OOO-$24,999 1!!]s2S,OOO-$49,999 [Js50,OOO-S99,999 [)100,OOO-S199,999 [Js200,OOO-$499,999 [Js500,OOO-S999,999 [Js1,000,OOO+

ICI Capital preservation Minimize the potential

for any loss of principal ICILimited IOGood ICIExcellent

ICIlncome Provide current income rather than growth of principal ICIGrowth Increase investment value over time while accepting price fluctuations. IEl Speculation Assume the highest degree higher returns of risk for potentially

I[]S25,OOO-$49,999 I[]SSO,000-S99,999 ICIs100,OOO-S199,999 ICIs200,ooo+

Receive Your Account

Documents

Online

Earn Income on Your Cash Balance Select only one of the following choices for the cash balance in your account. For current yields and descriptions, global.etrade.com in the 'Pricing and Rates' section.

For your convenience, account documents such as monthly statements, and trade confirmations will be delivered to you via a secure online file cabinet instead of by mail. We will notify you at the primary account holder's e-mail address provided in section 2 whenever a new document is available. This feature is provided automatically unless dedined below. I would prefer to receive the following items by U.S. mail: Ii!] I[] IiJ ICI Monthly statements Trade confirmations Prospectuses Corporate reports, proxies and reorganization notices 2 to receive elec

go to

ILl ILl
lEI

E*TRADE Financial International Sweep Deposit Account (lSDA) Cash Balance No Interest Feature if applicable.

Interest on your cash accrues daily and is paid monthly,

Fund your account Tell us how you'll make your initial deposit. A $1,000 minimum is required accounts ($2,000 for margin accounts). Check one of the following: ID I have enclosed a cheque or money order for $ for cash

You must provide us with your e-mail address tronic account documents.

in section

You may change your delivery preferences at any time. With respect to documents you elect to receive electronically, you agree to all the terms of section 11 of the E*TRADE Securities Limited Customer Agreement U.S. Supplemental Terms at global.etrade.com

made payable to E*TRADE Clearing LLC.

ILl

My completed

Account Transfer Form is attached

II!]

I will transfer funds from an existing account I plan to wire funds from another financial institution

Continued on next page

2 (02105/09)

XB U.S. IndividualBROKERAGEAPPLICATION

In accordance

with UK Financial Services Authority

Rules and the DFSA rules, you will be classified

as a Retail Client.

Fully Disclosed Clearing Arrangement Securities products and services are offered by E*TRADE' Securities limited. For the purpose of trading in U.S. equities, options and bonds, your account is with E*TRADE Securities limited. E*TRADE Clearing LLC (member NYSElFINRAlSIPC) will execute, clear and settle transactions pursuant to a fully-disclosed clearing agreement. The legal and regulatory regime applying to E*TRADE Clearing LLC will be different from that of the United Kingdom. E*TRADE Clearing LLC is a broker dealer registered with the U.S. Securities and Exchange Commission ("SEC") and is subject to the rules of SEC and other US regulatory organisations as well as any other federal, state or foreign laws, rules and regulations (collectively, the 'US Rules"). We have attached a copy the 382 Disclosure Notice which outlines important information on the fully disclosed clearing arrangement.

Client Money As a result of the fully disclosed Authority Client Asset rules.

clearing arrangement

any money we receive from you and hold under an investment

agreement

will not be subject to the Financial Services

Please note, E*TRADE Clearing LLC is a member of the Securities Investor Protection Corporation ("SIPC"). SIPC currently protects the Securities andlor Other Property in each of your accounts up to $500,000, including $100,000 for claims for cash. (Please note that money market fund balances are not considered cash for this purpose; they are considered to be securities.) E*TRADE Clearing offers additional protection secured through an independent insurer. Account protection and coverage (either under SIPC or the additional insurance secured by E*TRADE Clearing) does not cover fluctuations in the market value of your investments. Positions held away are not in the custody or control of E*TRADE Clearing, nor are they covered by SIPC or the additional insurance secured by E*TRADE Clearing. As a retail client you will still be eligible for this protection. If you are eligible for an E*TRADE Options, please be aware that we will be unable to activate your account until we receive this signed confirmation.

Marketing

Communications

We would like to send you occasional promotional material (including Emails) to keep you updated on our products and services. We will not divulge your details to any third party for promotional purposes. If you do not want us to contact you with such promotional material, please contact us at [email protected]. You must tick the boxes below to complete your application the term and conditions set out in the E*TRADE Financial BSA Account Agreement in US products which can be found at global.etrade.com.

[2] [2] [2]

I have read, understood

and acknowledged

I have read and understood the NYSE Rule 382 Disclosure Notice and I acknowledge that my trading disclosed clearing arrangement between E*TRADE Securities limited and E*TRADE Clearing LLC. I am of legal age to enter into this contract. I acknowledge that I have read, E*TRADE Customer Agreement and the US Supplemental Terms and as both are mental Terms are both available online at global.etrade.com at the bottom of the DOES NOT PROVIDE INVESTMENT, TAX, OR LEGAL ADVICE. I understand that
receive any important information regarding them, unless I notify you in writing

will be subject US Rules as part of the fully

and agree to be bound by the terms and conditions as currently set forth in the amended from time to time. The E*TRADE Customer Agreement and the US Supple Homepage. I ACKNOWLEDGE THAT E*TRADE SECURITIES LIMITED you will supply my name to issuers of any securities held in my account so that i might
50.

not to do

[2]

I am nota U.S. person and have attached a passport copy, W-8BEN form, and evidence of my residential address (which can be a recent original of a bank statement or utility bill or equivalent document to verify my address). Definition of a u.s. person: 1)A citizen or resident of the United States, 2) A partnership created or oganised in the United States or under the law of the United States or of any State, 3) A corporation created or organised in the United States or under the law of the United States or of any State, or 4) Any estate or trust other than a foreign estate or foreign trust. I confirm that I have sufficient experience I also consent to be treated respond to the questions and understanding to participate in financial markets.

[2] [2]
Please

as a retail client as defined by the Dubai Financial Services Authority. below to complete limited's your application. Order Execution Policy at www.global.etrade.com

I confirm that I have read E*Trade Securities Yesl[) NoD

Consent to non-publication of limit orders - Where you place a limit order in shares which are admitted to trading on a Regulated Market and the order is not immediately executed under prevailing market conditions, you agree that E*TRADE Securities Limited may but will not be required to make public the order in a manner which is easily accessible to other market participants YeslE] NoD Market or Multilateral Trading Facility (HMTF") - Please provide your consent to E*TRADE Securities limited executing

Consent to executions of orders outside a Regulated your Orders outside a Regulated Market or MTF. YeslEl NoD provided

I confirm that the information

on this application

form is correct.

lEII agree ID

I disagree

Riskwaming Please note that the value of your investments may rise or fall depending on market conditions and that you may not always recoup your initial investment If you are in any doubt as to the suilability of any investment you should seek independent expert advice.

05/20/2009
Signature of PrimaryAccount Holder Date

ID
Signature of ~ccount Holder or Custodian Date

Irfan Aziz
Printed Name
Printed Name

Continued on next page

3
(02105/09)

XB U.S. IndividualBROKERAGEAPPLICATION

Disclaimer In providing you execulion only services in relalion 10 your equities trading we are nol required 10 assess Ihe suitability of Ihe instrumenl or the service provided or offered 10you and as a result, you wiUnol benefit from the proleclion of Ihe FSArules on assessing suitability. Therefore, we will not assess whether: (i) the relevant producl or services meets your investment objectives (ii) you would be able financially 10 bear the risk of any loss Ihal the product or service may cause; or (iiil you have the necessary knowledge and experience to understand the risks involved.

System response

and account

access times may vary due to a variety of factors,

including

trading

volumes,

market

conditions

and system

performance.

Securities products and services are offered by E*TRADE Securities Umited. For the purpose of trading in U.S. equities, options and bonds, your account is with E*TRADE Securities Umited. E*TRADE Securities limited has a fully disclosed clearing Agreement with E*TRADE Clearing LLC (member NYSEIFINRAISIPC), which will execute, dear and settle transactions pursuant to a fully-disdosed clearing agreement. E*TRADE Securities limited and E*TRADE Clearing LLC are separate but affiliated companies. E*TRADE Securities limited is a company registered in Scotland No. SC103238 with its principal place of business at Vintners Place, 68 Upper Thames Street, London EC4V 3BJ, United Kingdom, Registered Office: 24 Great King Street, Edinburgh EH3 6QN, United Kingdom. E*TRADE Securities limited is a member of the London Stock Exchange and is authorized and regulated by the Financial Service Authority. It is a wholly owned subsidiary of E*TRADE Financial Corporation. 2009 E*TRADE FINANCIAL Corp. All rights reserved. FINANCIAL Corp. E*TRADE FINANCIAL is a registered trademark and the E*TRADE FINANCIAL logo is a trademark of E*TRADE

Continued on next page

4 (02105109)

XB U.S. IndividualBROKERAGEAPPLICATION

Please read and sign the Margin Disdosure Statement shown below if you wish to add Margin Borrowing and Overdraft Protection to this account.
A margin account gives you the flexibility to borrow from E*TRADE Securities securities, as overdraft protection, or for any other purpose. using the assets in your account as collateral. Proceeds may be used to purchase additional

Margin transactions involve additional risks, including the risk that you could lose more money than you deposit margin interest rates and the NASD Margin Disclosure Statement, visit g/oba/.etrade.comle/tlint//margin See Section 8 of the E*TRADE Securities responsibilities. Limited Customer Agreement U.s. Supplemental

in your account.

For more information,

including current

Terms at g/obal.etrade.com/e/t/int//margin

for more information

about your

Margin Disclosure Statement. E*TRADE Securities LLC and its clearing broker, E*TRADE Clearing LLC, are furnishing this statement to you to provide some basic facts about purchasing securities on margin and to alert you to the risks involved with trading securities in a margin account. Before trading stocks in a margin account, you should carefully review the margin agreement provided by us. Contact E*TRADE Securities regarding any questions or concerns you may have with your margin accountts), When you purchase securities, you may pay for the securities in full or you may borrow part of the purchases price from your brokerage firm. If you choose to borrow funds from your firm, you will open a margin account with the firm. The securities purchased are the firm's collateral for the loan to you. If the securities in your account decline in value, so does the value of the collateral supporting your loan, and as a result the firm can take action, such as issue a margin call and/or sell securities in your account, to maintain the required equity in the account. It is important that you fully understand the risks involved in trading securities in the margin account. on margin. These risks include the following. on margin may require you to provide additional

You can lose more funds that you deposit funds to the firm.

A decline in the value of securities that are purchased

The firm can force the sale of securities in your account. If the equity in your account falls below the maintenance margin requirements under the law or the firm's higher "house" requirements, the firm can sell the securities in your account to cover the margin deficiency. You will be responsible for any shortfall in the account after such a sale. The firm can sell your securities without contacting you. Some investors mistakenly believe that a firm must contact them for a margin call to be valid and that the firm cannot liquidate securities in their accounts to meet the call unless the firm has contacted them first. This is not the case. Most firms will attempt to notify their customers of margin calls, but they are not required to do so. However, even if a firm has contacted a customer and provided a specific date by which the customer can meet a margin call, the firm can still take necessary steps to protect its financial interests, including immediately selling the securities without notice to the customer. You are not entitled to choose which security in your margin account is liquidated the firm has the right to decide which security to sell to protect its interests. or sold to meet a margin call. Because the securities are collateral for the margin loan,

The firm can increase its "house" maintenance margin requirements at any time and is not required to provide you with advance written notice. These changes in firm policy often take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause the firm to liquidate or sell securities in your account. You are not entitled to an extension of time on a margin call. Although conditions, a customer does not have a right to an extension. I understand hypothecated, necessary. an extension of time to meet margin requirements may be available to customers under certain

that my account. if approved. will be upgraded to a margin account. Iacknowledge that securities held in my margin account may be pledged, repledged, or rehypothecated for any amount due E*TRADE Clearing in my account!s) or for a greater amount which E*TRADE Clearing, at its sole discretion, may deem

05/20/2009
Signature

ILl'
Signature of Co-Account Holder or Custodian

of Primary Account Holder

Date

Date

Irfan Aziz
Printed Name
Printed Name

For E*TRADE Securities

Use Only and believe the account is suitable for:

I have received this application

IiJ Margin IiJ Cash

Approval Date

(02105/09)

XB

U.S. IndividualBROKERAGE APPLICATION

Form

W-8BEN

(Rev.February2006) Department theTreasury of Internal evenue R Service

Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding
Section references are to the Internal Revenue Code. See separate instructions. Give this fonn to the withholding agent or payer. Do not send to the IRS.

OMB No. 1545-1621

Do not use this form for: A U.S. citizen or other U.S. person, including a resident alien individual A person claiming that income is effectively connected with the conduct of a trade or business in the United States . A foreign partnership, a foreign simple trust, or a foreign grantor trust (see instructions for exceptions) A foreign government, international organization, foreign central bank of issue, foreign tax-exempt organization, foreign private foundation, or govemment of a U.S. possession that received effectively connected income or that is claiming the applicability of section(s) 115(2), 501(c), 892, 895, or 1443(b) (see instructions) Note: These entities should use Form W-BBEN if they are claiming treaty benefits or are providing the form only to claim they are a foreign person exempt from backup withholding. A person acting as an intermediary . Note: See instructions for additional exceptions.

Instead, use Form:

. W-9 W-8ECI W-8ECI or W-8IMY

.W-8ECI or W-8EXP

. W-8IMY

Identification of Beneficial Owner (See instructions.)

Name of individual or organization that is the beneficial owner

I D

Country of incorporation or organization

Irfan Aziz
3 Type of beneficial owner:

N/A

D
D
4

El Individual

Grantortrust Complextrust Estate Govemment Internationalorganization Centralbank of issue Tax-exemptorganization Privatefoundation Permanent residence address (street, apt or suite no., or rural route). Do not use a P.O. box or in-care-of address.

D
D

D Corporation

D Disregardedentity D Partnership

I[J

D Simpletrust

Street No. 334/4A, OM Bldg. No. 30 Flat No.8, Satwa

City or town, state or province. Include postal code where appropriate.

Oubai
5 Mailing address (if different from above) City or town, state or province. Include postal code where appropriate. 6 8 U.S. taxpayer identification number, if required (see instructions)

I United Arab Emirates I

D
EIN

Country (do not abbreviate)

Country (do not abbreviate)

Foreign tax identifying number, if any (optional)

SSN or ITIN

Reference number(s) (see instructions)

ImII
9 b c d e 10

Claim of Tax Treaty Benefits (if applicable)

I certify that (check all that apply): a Th~ beneficial owner is a resident of

D within the meaning of the income tax treaty between the United States and that country. D If required, the U.S. taxpayer identification number is stated on line 6 (see instructions). D The beneficial owner is not an individual, derives the item (or items) of income for which the treaty benefits are claimed, and, if
applicable, meets the requirements of the treaty provision dealing with limitation on benefits (see instructions).

The beneficial owner is not an individual, is claiming treaty benefits for dividends received from a foreign corporation or interest from a U.S. trade or business of a foreign corporation, and meets qualifie<l resident status (see instructions). to pay the income within the meaning of section 267(b) or 707(b), and will file Form 8833 if the amount subject to withholding received during a calendar year exceeds, in the aggregate, $500,000. . . of the . _

D .The beneficial owner is related to the person obligated

Special rates and conditions (if applicable-see instructions): The beneficial owner is claiming the provisions of Article treaty identified on line 9a above to claim a % rate of withholding on (specify type of income): . Explain the reasons the beneficial owner meets the terms of the treaty article:

IiZIIIII
11

Notional Principal Contracts

D I have provided or will provide a statement

Certification

that identifies those notional principal contracts from which the income is not effectively connected with the conduct of a trade or business in the United States. I agree to update this statement as required.

Underpenaltiesof perjury,I declarethat I haveexaminedthe informationon this form and to the best of my knowledgeand belief it is true, correct, and complete.I furthercertify underpenaltiesof perjurythat: 1 I am the beneficialowner (or am authorizedto sign for the beneficialowner)of all the incometo which this form relates, 2 The beneficialowner is not a U.S. person, 3 The incometo which this form relatesis (a)not effectivelyconnectedwith the conduct of a trade or businessin the UnitedStates,(b)effectivelyconnectedbut is not subjectto tax underan incometax treaty, or (c)the partner'sshareof a partnership'seffectivelyconnectedincome,and 4 For brokertransactionsor barterexchanges,the beneficialowner is an exemptforeignpersonas definedin the instructions. Furthermore,I authorizethis form to be providedto any withholdingagent that has control, receipt,or custody of the incomeof which I am the beneficialowneror any withholdingagentthat can disburseor make paymentsof the incomeof which I am the beneficialowner.

Sign Here ~

S;g~~t~;e- -b~~~ii~i~I-;~~~~ -i~d;~id~~ ~i -(~~ -~trth-';r;;~d ~i!:j"; ~; -t~i i:;;;";~f;~i~i -,;~~~~

~~1f~i?~! YYYY> - - - -6~p~~;tY-

i"; ;";hi~h- cti~g~

For Paperwork Reduction Act Notice, see separate instructions.

Cat. No. 25047Z

Form W-8BEN (Rev.2-2006)

(02105/09) XB U.S. Individual BROKERAGE APPLICATION