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     Academy for International Modern Studies
     244 Robin Hood Lane
     Blue Bell Hill
     Chatham ME5 9JY
     Kent
     United Kingdom.

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

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

     Hasboh Kish Company Limited
     14, Dah Matri Avval Sharqi,
     Shahid Husayni, Golnaze Gonobi,
     Sadeqiye, 14539-43381
     Iran

     Leaders Academy
     Fahd Alsalem St., Alsouq Alkabir Bldg.
     7th Floor, Block B, P.O.Box 7775 Salmiya 22088
     Kuwait City,
     Kuwait.

     Boldbrain Training
     B90 Level 2, Jalan Dato Lim Hoe Lek,
     25200 Kuantan, Pahang,
     Malaysia.

     SNIT
     Old Moka Road
     Belle 00230
     Mauritius

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

     Professionals Institute of Excellence
     Suite # 802, Trade Tower
     Abdullah Haroon Road
     Karachi
     Pakistan.

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

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

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.