Guidance Financial Group Guidance Residential Leadership in Participatory Home Finance Declining Balance Co-Ownership Program

Introduction About Us Unique Islamic Home Finance Platform Extensive Group Resources and Expertise

About Us Capital Guidance Guidance Financial Group Guidance Residential International Housing Finance Guidance Investments Capital Guidance is a 45-year old, privately-held multinational investment group Offices in Washington DC, Paris, Geneva, Beirut and Riyadh 1,500 employees throughout North America, Europe, the Middle East and Asia Over 30 years of commercial real estate development experience spanning 4 development companies and over 75 projects Madison Marquette, a Capital Guidance subsidiary, has developed or re-developed properties worth nearly $2.0 billion and manages/leases about 50 shopping centers Long history of investing in marketable securities and private equity funds

Established International Footprint Guidance Financial Group has offices in the primary centers of Islamic finance Paris Geneva Beirut Riyadh Washington DC Kuala Lumpur

Unique Islamic Home Finance Platform Guidance Residential (the Company) is a US-based residential finance firm focused on providing Participatory Home Financing (Declining Balance Co-Ownership Program) in the US The Company is a subsidiary of Guidance Financial Group, which specializes in Participatory investment services, and draws on the resources of its parent, Capital Guidance The Company is the leading US provider of Participatory Home Financing (Declining Balance Co-Ownership Program) having captured nearly 80% of all households seeking this type of financing. Guidance Residential Most Recognized &Trusted Brand in the US

Guidance Investments - Guidance Financial Group Founded by Guidance Financial Group in 2002, Guidance Investments and its affiliates, have raised $ 740 million from global Islamic investors History of attracting GCC capital into Asian investment The Company has an extensive network of relationships with over 200 Islamic investors Banks and financial institutions Family offices and high net worth individuals Insurance companies Sovereign wealth funds Investment companies Access to these investors throughout Southeast Asia, GCC and other Islamic investment centers provides valuable market intelligence and critical mass Insight into investor sentiment and goals An essential input into the product development process

Guidance Investments/ Guidance Financial Group

Human Capital in Islamic Finance – The Need & The Definition The global Islamic Finance industry is growing at an average annual rate of 17% between 2008 and 2012. Some estimates predict a future growth rate as high as 20% and this pace is increasing the demand for a competent pool of human capital for the industry. But how are we defining ‘Human Capital’? Is Human Capital only defined as an ‘Islamic Banking Practitioners’? “Islamic Finance industry will need 50,000 new graduates to support the industry in the next decade”

Islamic Finance as part of a broader Eco-System Islamic Finance industry is part of a larger eco-system. Human capital is only one part of that Eco-system. Shariah Scholars, Educators, Investors, Consumers, Islamic Bankers, Sales and Marketing Professionals, Legal Experts, Executives, Regulators, Entrepreneurs and more. Islamic Finance needs Human Capital for the whole of the Eco-System and not just ‘Islamic Banking Professionals’ Shariah Scholars Islamic Bankers Entrepreneurs Investors Regulators Eco-system Consumers Executive Leaderships Sales & Marketing Professionals Legal Experts

Guidance Initiatives in Education With over 740 institutions* in the world involved in educating and training Islamic Finance professionals, there is still a gap. Not all of them follow the guidelines of AAOIFI’s Shariah Standards when formulating training curriculum? Their focus is very limited in the face of the holistic Human Capital need. *Image: American Islamic Finance Project, sponsored by Guidance; training delivered by Ethica Institute of Islamic Finance

Guidance Initiatives in Education Guidance, in collaboration with Ethica Institute of Islamic Finance, and ISNA, conducted an educational training program to raise awareness about Islamic Finance *Image: American Islamic Finance Project, training delivered by Ethica Institute of Islamic Finance

Guidance Initiatives in Education Project Guidance Funded a 3 day Training Program On Islamic Finance for American Imams

Guidance Initiatives in Education The event was hosted on the Zytuna College campus in Berkley California

Why Guidance Chose Ethica? Authenticity in Knowledge AAOIFI: http://www.aaoifi.com/en/about-aaoifi/sharia-standards-board/ssb-committees/

The Other Missing Links Competency = Mastery of Knowledge + Professional Skills (Business & Communication) + Creative Thinking Educational programs will need to provide experience that helps professionals gain mastery on the knowledge. The knowledge needs to be expressed through excellent communication skills. Without effective business and communication skill, knowledge cannot be implemented for practical purposes.

The Solution To gain mastery in knowledge and to demonstrate practical application & new innovative solutions for consumers, educational system needs to combine: