NFS S.A.L. is an independent Financial Intermediary Company that is registered at the Central Bank of Lebanon under License No. 2.

Corporate History & Profile:
NFS S.A.L.,
a Lebanese Limited Liability Company, was established to acquire the shares of a Swiss Private Bank's financial subsidiary incorporated in Lebanon since 1997.

Operational Profile:
The diverse relationships and representations established with major banks and fund managers, enable NFS to optimize client interest. The main function of NFS is to intermediate between Regional Investors and International Financial and Investment Banking Institutions. Through these arrangements, customers are able to access the wider universe of investment opportunities on both sides of the balance sheet.

Mission Statement:
"La raison d'
être" of NFS is to solicit and advise customers and associates about the most appropriate investment products and financial solutions, unencumbered by proprietary interests, with total transparency and dedication to the welfare of the customer.

Service Philosophy:
Total Transparency is NFS' business Cornerstone; NFS believes this is the Best and Only way to capture long-term loyalty and to achieve targets.

The Strengths of NFS S.A.L.:
The shared expertise between the directors of NFS as a result of decades of associations with Major American and European investment and financial institutions in addition to prolonged engagements in the Arabian and Gulf region, enable NFS to deliver value-added quality services. As intermediaries between investors and Financial Institution, NFS is able to assist identifying rare and optimal investment opportunities.

The Capital and the Share Holders:
Subsequent to acquiring the stocks of the previous entity; NFS' Capital and Assets stand at circa $1.25 Million.

The Regulators:
NFS is regulated and licensed by BDL, the Central Bank of Lebanon.

Board of Directors:        

Joseph S. Fakhoury, Chairman.
  Ghassan E. Kteily, Vice Chairman & CEO.
  Ayad Y. Noueyed, Director & Member of the Board.

Management Style:
Management believes in providing an environment that allows initiative and creativity to flourish.

Future Plans:
Under the NFS' umbrella, NFS-ER (Executive Recruitment) and NFS-REM (Real Estate Management) will be created within the foreseeable Future.