LuLu Exchange Opens 147th Customer Engagement Centre at Al Mirfa, Abu Dhabi

LuLu Exchange, one of the UAE’s most trusted names in foreign exchange and cross‑border payments, has expanded its national presence with the inauguration of its 147th customer engagement centre at Blue Mart, Al Quoz, Dubai, marking the beginning of an aggressive expansion phase across the UAE.

LuLu Exchange mark the opening move in a wider rollout of 30+ branches planned in the coming months, one of the company’s most significant growth drives to date.

Al Quoz is a thriving industrial corridor, a hub for warehouses and logistics and home to thousands of residents from every corner of the world. LuLu Exchange’s presence in this neighbourhood reflects its commitment to making financial services accessible to everyone, wherever they are. Located on the ground floor of the Bluemart Supermarket Building, the new branch offers the full LuLu Exchange suite.

Speaking at the inauguration, Mr. Thampi Sudarsanan, CEO of LuLu Exchange said, “This is about proximity and service, making every day financial access simpler, faster and more reliable. Our expansion mirrors the nation’s growth ensuring we are present wherever new communities rise.”

Each new customer engagement centre offers LuLu Exchange’s full suite of services, catering to a diverse customer base ranging from working professionals to families and large expatriate populations.

The move also complements the company’s growing digital ecosystem, led by the LuLu Money App, enabling seamless international transactions anytime, anywhere. With further announcements expected in the coming weeks, LuLu Exchange’s expansion underscores a clear direction scaling both physical reach and digital capability in step with the UAE’s continuing growth story.

About LuLu Exchange

LuLu Exchange is one of the UAE's most trusted names in foreign exchange and cross-border payments, built over years of consistent presence and chosen by millions of customers with fast, reliable and transparent financial services. With a branch network that now spans 148 Customer Engagement Centres and a rapidly growing digital platform in the LuLu Money App, the company delivers seamless international transfers wherever customers are. LuLu Exchange is part of LuLu Financial Holdings, a diversified financial services conglomerate operating across the Middle East, Asia and beyond.

BRANCH ADDRESS

LuLu Exchange Opens 147th Customer Engagement Centre at Bluemart, Dubai

LuLu Exchange, one of the UAE’s most trusted names in foreign exchange and cross‑border payments, has expanded its national presence with the inauguration of its 147th customer engagement centre at Blue Mart, Al Quoz, Dubai, marking the beginning of an aggressive expansion phase across the UAE.

LuLu Exchange mark the opening move in a wider rollout of 30+ branches planned in the coming months, one of the company’s most significant growth drives to date.

Al Quoz is a thriving industrial corridor, a hub for warehouses and logistics and home to thousands of residents from every corner of the
world. LuLu Exchange’s presence in this neighbourhood reflects its commitment to making financial services accessible to everyone, wherever they are. Located on the ground floor of the Bluemart Supermarket Building, the new branch offers the full LuLu Exchange suite.

Speaking at the inauguration, Mr. Thampi Sudarsanan, CEO of LuLu Exchange said, “This is about proximity and service, making every day financial access simpler, faster and more reliable. Our expansion mirrors the nation’s growth ensuring we are present wherever new communities rise.”

Each new customer engagement centre offers LuLu Exchange’s full suite of services, catering to a diverse customer base ranging from working professionals to families and large expatriate populations.

The move also complements the company’s growing digital ecosystem, led by the LuLu Money App, enabling seamless international transactions anytime, anywhere. With further announcements expected in the coming weeks, LuLu Exchange’s expansion underscores a clear direction scaling both physical reach and digital capability in step with the UAE’s continuing growth story.

About LuLu Exchange

LuLu Exchange is one of the UAE’s most trusted names in foreign exchange and cross-border payments, built over years of consistent presence and chosen by millions of customers with fast, reliable and transparent financial services. With a branch network that now spans 148 Customer Engagement Centres and a rapidly growing digital platform in the LuLu Money App, the company delivers seamless international transfers wherever customers are. LuLu Exchange is part of LuLu Financial Holdings, a diversified financial services conglomerate operating across the Middle East, Asia and beyond.

BRANCH ADDRESS

LuLu Exchange Al Quoz
Shop No. 01, Ground Floor
Bluemart Supermarket Building, Al Quoz 4, Dubai, UAE

LuLu Exchange Opens 146th Customer Engagement Centre at Mia Mall, Sharjah

LuLu Exchange, one of the UAE’s most trusted names in foreign exchange and cross‑border payments, has expanded its national presence with the inauguration of its 146th customer engagement centre at Mia Mall, Al Nahda Street, Sharjah, marking the beginning of an aggressive expansion phase across the UAE.

LuLu Exchange mark the opening move in a wider rollout of 30+ branches planned in the coming months, one of the company’s most significant growth drives to date.

Strategically located at Mia Mall (Nesto), the new Customer Engagement Centre will serve one of the most densely populated and diverse residential corridors in the Northern Emirates. With high daily footfall from families, professional and an extensive expatriate community, the Al Nahda area aligns with LuLu Exchange’s community‑first approach to financial services.

Speaking at the inauguration, Mr. Thampi Sudarsanan, CEO of LuLu Exchange said, “This is about proximity and service, making every day financial access simpler, faster and more reliable. Our expansion mirrors the nation’s growth ensuring we are present wherever new communities rise.”

Each new customer engagement centre offers LuLu Exchange’s full suite of services, catering to a diverse customer base ranging from working professionals to families and large expatriate populations.

The move also complements the company’s growing digital ecosystem, led by the LuLu Money App, enabling seamless transactions anytime, anywhere. With further announcements expected in the coming weeks, LuLu Exchange’s expansion underscores a clear direction scaling both physical reach and digital capability in step with the UAE’s continuing growth story.

About LuLu Exchange

LuLu Exchange is one of the UAE's most trusted names in foreign exchange and cross-border payments, built over years of consistent presence and chosen by millions of customers with fast, reliable and transparent financial services. With a branch network that now spans 148 Customer Engagement Centres and a rapidly growing digital platform in the LuLu Money App, the company delivers seamless international transfers wherever customers are. LuLu Exchange is part of LuLu Financial Holdings, a diversified financial services conglomerate operating across the Middle East, Asia and beyond.

BRANCH ADDRESS

LuLu Exchange Mia Mall
Unit No. 01, Mezzanine Floor
Mia Mall (Nesto), Al Nahda Street, Sharjah, UAE

LuLu Exchange Partners with Huru to Strengthen Financial Inclusion across the UAE

Abu Dhabi, UAE: In line with its commitment to strengthening financial empowerment and digital access
for the workers across the UAE, LuLu Exchange has entered into a strategic partnership with Huru, a
Central Bank of the UAE (CBUAE) licensed fintech company with SVF and RPSCS licenses. This
collaboration introduces a first-of-its-kind zero-balance IBAN account solution for unbanked and
underbanked communities delivered through Huru’s digital platform and supported by LuLu Exchange’s
trusted remittance infrastructure.

With 140+ branches and over 1 million customers, LuLu Exchange has long been a leading enabler of
secure salary payments, money transfers and payroll solutions including Wages Protection System
(WPS) services
for the UAE workforce and employers. Through this partnership, employees who
previously relied on traditional salary cards will now gain access to a full IBAN-linked account enabling
direct WPS-compliant salary deposits through UAEFTS and giving employees greater control over their
personal finances.

The IBAN account is paired with a Huru ATM card offering one free withdrawal per month from any ATM
in the UAE, a significant cost advantage over conventional payroll cards. Customers are digitally
onboarded through secure eKYC, ensuring fast and compliant access to financial services. A key
component of the partnership is the integration of LuLu Exchange’s remittance services and WPS-
enabled salary solutions
within the Huru app, enabling users to send money home directly from their
account, combining everyday finances and international remittances into a single platform.

Customers will soon have access to Quick Cash , an instant microfinance solution built in the Huru app.
Once launched, Quick Cash will offer up to AED 10,000 in short-term financing, with convenient monthly
repayments and low, transparent mark-up fees.

“LuLu Exchange is proud to partner with Huru in their mission of financial empowerment,” said Thampi
Sudarsanan, CEO of LuLu Exchange UAE. “Our extensive network, expertise in remittances and WPS
salary processing
uniquely position us to support Huru’s vision. This collaboration not only expands
access to reliable financial services but also creates meaningful value for individuals who need simple,
secure and affordable solutions.

“This partnership marks a significant milestone in our journey to empower the unbanked and
underbanked population across the UAE,” said Abhimanyu Girotra, CEO of Huru. “By working with LuLu
Exchange, we’re delivering essential financial tools—such as IBAN linked accounts and ATM cards—that
are critical to everyday life but often out of reach for many. Together, we are strengthening the
foundations of financial inclusion in the UAE.”

For LuLu Exchange, this collaboration strengthens its strategy of partnering with innovative fintechs to
expand service delivery, unlock digital convenience and uplift the financial wellbeing of workers across
the region. For Huru it underscores the commitment to building a tech-enabled financial platform
designed around the needs of underserved communities.

About LuLu Exchange:

LuLu Exchange is one of the UAE’s leading financial services companies, providing
remittances, foreign currency exchange and other allied services through a network of over 140
branches and digital solutions, including the LuLu Money App, to a cross-section of society, powered by
a robust network and reputed partners with high standards of customer care. The company is part of
the Abu Dhabi-based financial services conglomerate LuLu Financial Holdings.
https://luluexchange.com/

About Huru:

Huru is a homegrown UAE fintech company licensed by the Central Bank of the UAE. Founded in 2022,
Huru serves as a one-stop money management app for the country’s unbanked and underbanked
communities. The platform provides innovative features such as instant zero-balance IBAN accounts, a
free digital and physical Visa ATM card, in-app remittances, bill payments, and saving tools that enable
users to retain and grow more of their earnings. Now expanding into tailored credit products, Huru is
committed to building transparent, accessible, and impactful financial solutions for those who form the
backbone of the UAE’s workforce.
For more information, please visit
https://www.huru.co/

GlobeTopper and LuLu Exchange UAE Announce Strategic Partnership to Redefine Digital Gifting and Global Connectivity

Dubai, UAE — [Date] — GlobeTopper, a leading U.S.-based provider of B2B digital prepaid products and services, together with LuLu Exchange UAE, one of the region’s most trusted and customer-centric financial services providers, today announced a strategic partnership that will elevate digital gifting and global connectivity across the UAE and beyond.

This collaboration marks GlobeTopper’s official entry into the Middle East with its newly opened UAE office — and places LuLu Exchange at the forefront of introducing innovative, value-added digital products to millions of its customers.

Through this partnership, LuLu Exchange customers will gain seamless access to over 4,000+ digital gift card brands across 65+ countries, including Visa and Mastercard digital gift cards, offering one of the widest global gifting selections available in the region. Additionally, GlobeTopper’s eSIM mobile data top-up services, covering 120+ countries, will further strengthen LuLu Exchange’s growing digital ecosystem by enabling effortless mobile connectivity for UAE residents and travelers.

Craig Span, Founder & CEO of GlobeTopper, said:
“Our mission at GlobeTopper has always been to connect businesses and consumers through reliable digital prepaid products. Partnering with LuLu Exchange — a trusted financial institution with market-leading reach and a deep commitment to customer experience — is a significant milestone for us. The Middle East is a rapidly growing digital economy, and working with LuLu Exchange gives us the ideal platform to bring secure, scalable solutions to customers across the region.”

He added:
“As we expand our footprint globally — across Latin America, Canada, Europe, the UK, and now the Middle East — our UAE office will serve as the innovation hub for strategic partnerships like this one with LuLu Exchange, enabling us to deliver meaningful, borderless digital solutions to financial institutions, retailers, and fintech partners.”

For LuLu Exchange, the partnership represents another step in its journey to enhance customer convenience and strengthen its portfolio of digital value-added services. By integrating GlobeTopper’s expansive global catalog, LuLu Exchange continues to broaden its service offering beyond traditional remittance and currency exchange, delivering more lifestyle-oriented digital solutions to its diverse customer base.

Thampi Sudarsanan, CEO, LuLu Exchange said:
“At LuLu Exchange, we are committed to introducing services that enrich our customers’ everyday experiences. Our partnership with GlobeTopper aligns perfectly with our digital-first vision, allowing us to offer instant, secure and globally diverse gifting and mobile data solutions. This collaboration opens new opportunities for cross-border digital commerce, an increasingly important part of modern financial services.”

With the UAE’s thriving fintech ecosystem, the partnership between GlobeTopper and LuLu Exchange marks a pivotal moment in advancing digital commerce and customer empowerment in the region.

About GlobeTopper

GlobeTopper, part of IQSTEL Inc. (NASDAQ: IQST), is a U.S.-based B2B digital platform offering over 4,000 digital gift card brands across 65+ countries, including Visa and Mastercard digital gift cards, along with mobile connectivity solutions available in 120+ countries. The company serves enterprise clients and fintech partners across Latin America, Canada, Europe, the UK, and the Middle East. With its newly established UAE office, GlobeTopper continues its mission to empower partners globally with innovative, scalable, and customer-centric digital prepaid solutions.
https://www.globetopper.com

About LuLu Exchange

LuLu Exchange is one of the UAE’s leading financial services providers, offering remittance, foreign exchange, digital payments, and a growing suite of digital value-added services. Renowned for its trust, innovation, and customer-centric approach, LuLu Exchange continues to transform financial experiences across the region.
https://luluexchange.com

LuLu Exchange and ABHI Partner to Transform Financial Access for Expatriate Workers in the UAE

Abu Dhabi, UAE – LuLu Exchange, one of the UAE’s most trusted financial services companies and a part of LuLu Financial Holdings, has announced a partnership with Abhi Middle East Limited, the neo bank of the future backed by Hub71 and the Abu Dhabi Investment Office (ADIO), and funding enabled by Commercial Bank International (CBI). The collaboration aims to empower workers across the UAE with instant access to their earned wages and seamless cross-border remittance solutions, bridging the gap between income and family support like never before.

Through this partnership, workers will be able to access their Earned Wage Access (EWA) instantly and send money to their families back home without waiting for payday. This service will enhance financial flexibility and ensure timely support for expatriate communities who form the backbone of the UAE’s workforce.

By combining LuLu Exchange’s extensive network and trusted remittance expertise with ABHI’s financial technology, the initiative is set to transform how workers access, manage, and move their money across borders. This partnership underscores LuLu Exchange’s continued commitment to leveraging innovation to improve financial access and enhance the customer experience. For ABHI, it further reinforces its vision to drive inclusive, technology-led financial solutions across the region, ensuring every individual has the tools to achieve financial wellness and independence.

“At Lulu Exchange, we believe that timely access to earnings is a fundamental need and this collaboration enables workers to support their families with greater control and confidence. Partnering with Abhi allows us to take a decisive step toward reshaping financial access for the UAE’s workforce. We are creating a powerful ecosystem that places customer empowerment at its core by merging Abhi’s innovative EWA technology with our trusted remittance network,” said Thampi Sudarsanan, CEO of Lulu Exchange, UAE.

Omair Ansari, Co-Founder & CEO of Abhi Middle East Limited, added: “Partnering with LuLu Exchange, a trusted name synonymous with excellence and accessibility in financial services, allows us to enable workers to gain control over their earnings and support their families back home without financial strain. By integrating ABHI’s technology with LuLu’s deep market expertise, this collaboration represents a step forward in advancing financial inclusion and delivering true economic empowerment.”

Founded in 2021, ABHI has expanded its presence across Pakistan, the UAE, and Saudi Arabia, empowering employees and businesses with fast, secure, and transparent access to on-demand liquidity. To date, the company has served over 1 million users, onboarded more than 5,000 businesses, and processed transactions totaling over $500 million, driving financial empowerment for individuals and SMEs across the region.

About Abhi Middle East Limited

ABHI provides a comprehensive suite of solutions, including Earned Wage Access and SME Financing. The fintech company has established partnerships with over 5000 companies, driving economic growth and creating lasting social impact.

ABHI has gained recognition from Hub71 and Endeavor and was the first to be awarded the Technology Pioneer 2023 Award by the World Economic Forum, making fintech history in the MENAP region. ABHI was also selected as one of the Future 100 companies in the UAE and has recently been selected for Mastercard’s Start Path Small Business program.

For more information, visit https://abhi.co/

About LuLu Financial Holdings

LuLu Financial Holdings is a leading global financial services provider, offering a wide range of services including cross-border payments, currency exchange, and financial technology solutions. With over 370 customer engagement centers in over 10 countries across the Middle East, Indian subcontinent, and APAC regions, and a commitment to innovation and customer satisfaction, LuLu Financial Holdings continues to set benchmarks in the financial services industry. Learn more at https://www.lulufin.com/.

About LuLu Exchange

LuLu Exchange is one of the UAE’s leading financial services companies, providing remittances, foreign currency exchange and other allied services through a network of over 140 branches and digital solutions (LuLu Money App), to a cross-section of society, powered by a robust network and reputed partners with high standards of customer care. The company is part of the Abu Dhabi-based financial services conglomerate LuLu Financial Holdings.

LuLu Exchange Expands Global Footprint with 145th Customer Engagement Centre at Deerfields Mall, Abu Dhabi

LuLu Exchange, one of the leading global financial services providers, marked another major milestone with the inauguration of its 145th Customer Engagement Centre at Deerfields Mall, strengthening its commitment to expanding customer centric financial services across key markets. The new customer engagement centre was officially inaugurated by Mr. Adeeb Ahamed, Managing Director of LuLu Financial Holdings, in the esteemed presence of senior management and other distinguished dignitaries.

The inauguration shows LuLu Exchange’s continued focus on strengthening its global footprint while delivering reliable, secure and convenient financial solutions to customers. Strategically located at Deerfields Mall, the new Customer Engagement Centre is designed to bring enhanced accessibility and a seamless service experience for individuals, families and businesses.

Speaking on the occasion, Mr. Adeeb Ahamed highlighted LuLu Exchange’s journey of growth driven by trust and customer satisfaction. He emphasised that the expansion aligns with the company’s long term vision of promoting financial inclusion and empowering communities through world class remittance and foreign exchange services. “Every new Customer Engagement Centre represents our promise to stay closer to our customers and deliver excellence with integrity,” he noted.

The Deerfields Mall centre offers a range of services including international money transfers, foreign currency exchange and digital remittance solutions through the LuLu Money App. With a strong focus on speed, transparency and security, the centre is equipped with modern infrastructure and supported by trained multilingual staff to cater to the diverse customer base.

LuLu Exchange continues to invest significantly in digital transformation combining physical branch expansion with innovative digital platforms to meet evolving customer needs. The LuLu Money App further complements branch services by enabling customers to send money anytime, anywhere.

The launch of the 145th Customer Engagement Centre is an absolute example of consistent growth momentum and its dedication to delivering trusted financial services across regions. LuLu Exchange remains committed to building long-term relationships and supporting economic connectivity worldwide.

Address:
Unit No. 107, Service Level Floor
Deerfields Town Square Shopping Center
Al Rubbah Street, Abu Dhabi, UAE

LuLu Exchange Inaugurates Its 144th Customer Engagement Centre at DIC 2

LuLu Exchange has proudly marked another significant milestone with the inauguration of its 144th Customer Engagement Centre at DIC 2 in the esteemed presence of Mr. Adeeb Ahamed, MD, LuLu Financial Holdings and other dignitaries, strengthening its presence and commitment to serving customers with trusted, secure and convenient financial services.

The newly opened branch at DIC 2 supports LuLu Exchange’s mission to bring world class money transfer and foreign exchange services closer to communities ensuring easy accessibility and a seamless customer experience. The branch is designed to meet the evolving financial needs of individuals and businesses with strong focus on reliability, transparency and customer satisfaction alike.

Speaking on the occasion, Mr. Adeeb Ahamed, Managing Director, LuLu Financial Holdings, said: “The inauguration of our 144th Customer Engagement Centre is a proud milestone for LuLu Exchange. It reflects our consistent growth and more importantly, the trust our customers place in us across the region. We remain committed to delivering secure, convenient and customer centric financial services while continuously enhancing our digital and branch led solutions.”

“Our expansion is driven by a clear focus on customer needs and service excellence. We strengthen our ability to provide fast and reliable international remittance services, competitive exchange rates and personalised support through our well trained team.” said Mr. Thampi Sudarsanan, CEO,LuLu Exchange.”

Over the years, LuLu Exchange has established itself as a preferred financial services provider with promising fast and secure international remittances, competitive exchange rates and customer-centric solutions supported by trained professionals.

The DIC 2 Customer Engagement Centre is equipped with modern infrastructure and enhanced digital capabilities to ensure quick service delivery while maintaining the highest standards of compliance and security. Customers can access a wide range of services including international money transfers, foreign currency exchange and digital remittance solutions all under one roof.

LuLu Exchange continues to invest in expanding its network to enhance convenience for customers, particularly in high demand locations. Each new branch is an example to the organisation’s long term vision of financial inclusion, enabling individuals to stay connected with their families and manage their financial needs whenever needed.

Address:
LuLu Exchange DIC 2
Shop No. 4, Ground Floor, Sok 08
Dubai Industrial City

LuLu Exchange Expands its Presence with 143rd Branch in Motor City

Dubai, UAE – 17.09.2025: LuLu Exchange, the UAE’s leading name in cross-border payments and foreign exchange services has further strengthened its customer outreach by inaugurating its new Customer Engagement Centre at Motor City, Dubai.

The newly launched customer engagement centre marks LuLu Exchange’s 143rd branch in the UAE and the 384th globally, reflecting the company’s ongoing commitment to creating greater accessibility and convenience for customers.

The branch was inaugurated by Mr. Adeeb Ahamed, Managing Director of LuLu Financial Holdings, in the presence of Thampi Sudarsanan, CEO, LuLu Exchange UAE and other senior officials from LuLu Financial Holdings.

Speaking at the inauguration, Mr. Adeeb Ahamed said:

“Our expansion in the UAE reflects our dedication to serving communities with accessible, innovative and secure financial solutions. The Motor City branch will cater to the diverse population in this dynamic neighbourhood ensuring they enjoy the same trust, convenience and service excellence that defines LuLu Exchange.”

“The continued growth of LuLu Exchange UAE reflects the confidence our customers have in us. We’re making our services more accessible and continuing our commitment to convenience, trust and excellence,” said Mr. Thampi Sudarsanan.

The new branch will offer a diverse portfolio of financial services, including cross-border remittances to over 170 countries, competitive currency exchange rates across major global currencies, Wages Protection System (WPS) salary services for corporates, utility bill payments and value-added services.

Customers can benefit from LuLu Money App in addition which enables smart, secure and seamless digital transactions. The integration of physical and digital services is the main focus to LuLu Exchange’s mission of empowering customers with choice and flexibility in managing their financial needs.

LuLu Exchange continues to expand its footprint with each new opening as a trusted financial services provider while advancing its strategy to blend physical accessibility with digital innovation. The Motor City branch further enhances its growing network across Dubai reaffirming the brand’s reputation for reliability, customer focus and global reach.

Partnership with LuLu Exchange Marks a Major Step in Expanding NBF’s Customer Access

NBF customers can now access agency banking services at over 140 LuLu Exchange centers
across the UAE, significantly widening the bank’s footprint

Dubai – 27th August 2025 — Reinforcing its commitment to expanding customer
access, The National Bank of Fujairah (NBF) has entered into a strategic partnership
with LuLu Exchange, one of the UAE’s leading cross-border payments providers, to
provide agency banking services across the latter’s extensive network.

NBF currently has 14 branches across the UAE. The partnership will significantly
extend that reach by enabling NBF customers to access agency banking services
across LuLu Exchange’s 142 customer engagement centers.

The first phase of the rollout includes the installation of ATMs/CDMs at 12 LuLu
Exchange branches, combining LuLu Exchange’s customer reach with NBF’s banking
expertise. These include locations in Dubai, Abu Dhabi, Sharjah, Ras Al Khaimah,
Ajman and Fujairah with a mix of high-street and mall-based locations.

In the future, NBF and LuLu Exchange will broaden their collaboration, with
additional services to be rolled out in phases. The partnership is designed to evolve
in line with customer needs and the UAE’s growing digital-first financial landscape.

“Expanding our physical touchpoints through this partnership with LuLu Exchange is
a significant milestone in our journey to serve customers where they are,” said
Adnan Anwar, CEO, National Bank of Fujairah. “By leveraging LuLu Exchange’s
extensive branch network, we’re providing our customers with seamless access to
banking services while ensuring convenience, security, and efficiency.”

“Our customers trust us for convenience. With NBF’s ATMs inside our centers, they
can now handle their essential banking needs while sending money home, all in one
stop. By combining our extensive network with NBF’s trusted banking services, we
are creating a stronger ecosystem that benefits communities across the UAE,” said
Thampi Sudarsanan, CEO of LuLu Exchange UAE.

This initiative is part of NBF’s broader transformation strategy aimed at enhancing
its distribution model and extending its reach through flexible, cost-effective
partnerships. For LuLu Exchange, the partnership reflects its ongoing collaborative
strategy and commitment to forging strong alliances that enhance its growth and
service offerings.

About National Bank of Fujairah PJSC:

Incorporated in 1982, National Bank of Fujairah PJSC (NBF) is a full services
corporate bank with strong corporate and commercial banking, treasury and trade
finance expertise as well as an expanding suite of personal banking options and
Shari’ah compliant services. Leveraging its deep banking experience and market
insight within Fujairah and the UAE, NBF is well-positioned to build lasting
relationships with its clients and help them achieve their business goals.

NBF’s key shareholders include the Government of Fujairah, Easa Saleh Al Gurg LLC
and Investment Corporation of Dubai. Rated Baa1 / Prime-2 for deposits and A3 for
counterparty risk assessment by Moody’s and BBB / A-2 by Standard & Poor’s, both
with a stable outlook, the bank is listed on the Abu Dhabi Securities Exchange
under the symbol “NBF”. It has a branch network of 14 across the UAE.

About LuLu Exchange

LuLu Exchange is one of UAE’s leading financial services companies, providing
remittances, foreign currency exchange and other allied services through a network
of over 140 branches and digital solutions, including the LuLu Money App, to a
cross-section of society, powered by a robust network and reputed partners with
high standards of customer care. The company is part of the Abu Dhabi-based
financial services conglomerate LuLu Financial Holdings.

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