1. Attractive Investment In Down Stream Business Saudi Arabia USA April 2010 Presented by: Ahmed Al-Rajhi Vice Chairman Al Rajhi Holding Company

2. Advantages and Benefits for the investors in K.S.A ( I )  Ownership 100% foreign ownership allowed  Monetary policy Since 1986 the Saudi Riyal is pegged against the US$ at a rate of SR 3.75 SR to US$ 1.00 No restriction on entry and repatriation of foreign capital & profits  Funding The Saudi Industrial Development Funds (SIDF) grants interest free loans for industrial projects up to 50% of its total costs including working capital The loan is repayable in 5-7 years after grace period of 2-3 years

3.  Tax Reduction of corporate tax from 45% to 20% Tax is applicable to the foreign partner, Saudi partners are subject to 2.5% Zakat on their net worth No Personal Income Tax  Duty Duty exemption on plant & machinery not produced locally  Law / labor Excellent law & order situation No labor unions Low Manpower cost Advantages and Benefits for the investors in K.S.A ( II )

4. CONTACT INFORMATIOM  Infrastructure Excellent road network links all cities within the Kingdom and Huge investments in the infrastructures taking place in ports and railways.  Land Industrial land available at very low rates  Raw materials Access to advantageously priced raw materials (e.g. PP, PE)  Utilities Cost Excellent infrastructure to supply utilities like water, gas & electricity at very competitive rates Electricity 3.2 cents per kwh Gas $0.75 per MBTU Water $1.60 per m 3 Advantages and Benefits for the investors in K.S.A ( III )

5. CONTACT INFORMATIOM  Logistic costs Competitive freight rates to local, regional and global markets Advantages and Benefits for the investors in K.S.A( IV )

6.  Supply Chain Central location for participating in strongly growing GCC markets and supplying goods to Europe, Asia/Pacific and the Americas Advantages and Benefits for the investors in K.S.A ( V )

7. Example 1: GPIL  GPIL Ltd was established in 1989 with low production capacity (3,000MT/YR) Of BOPP Film and current capacity is (73,000MT/Yr)  The company is undergoing a major expansion project that will bring total production capacity to 150,000 MT/year 2013.  Offering packaging solutions to customers in the Middle east/Africa, Europe and the Americas.(more than 35 countries world wide ).  Representative office in Italy to serve Europe Customers Successful Investments in K.S.A

8. GPIL Sales History 200120022003200420052006200720082009201020112012

9. MATTEX COMPANY  Mattex was established in 1996 in Dubai and Jeddah and produces carpet backings, artificial grass backings and geotextiles with a total production capacity of approx. 400 MM m 2.  The company is represented in the Americas, Europe, Africa/Middle East and Asia/Pacific. Example 2: Successful Investments in K.S.A

10. Mattex Fabrics Sales History

11. MFJ and MFD End customer Business started early 2005 and continues to grow Georgia: Calhoun + Chatsworth; California: Los Angeles; Employs 6 people in the USA History Products Mattex Local Warehousing Mattex North American Exports Mattex USA Primary, Secondary Backing & Woven Geotextiles

12. Origins : Jeddah (KSA) and Dubai (UAE) Destinations: USA West and East Coast plus Canada Containerized Volumes Figures in FFE YearFFEQuantity (M2)Turnover (USD) 200511116.704.84 200618641.8611.01 200738463.8119.03 200844265.1423.54 200939159.1817.26 *201048567.8020.46 * 2010 Figures Are Forecasted

13. Thank You…