CREDIT REPORT CREATED ON 17.04.

2017 11:05:21 AM
Response ID: as333743--233b-2342-95fe-000c290f02348

Private and Confidential

MOHAMMED ABDALLAH

CB Subject Id 3026276324
Provider Subject No -
Title MR
Last Name -
First Name -

629
Full Name MOHAMMED ABDALLAH
Arabic Last Name -
Arabic First Name -
Arabic Full Name ‫ﻋﺒﺪﺍﻟﻠﻪ ﻣﺤﻤﺪ‬
Gender Male
Date Of Birth 15 December 1985
Nationality UNITED ARAB EMIRATES
Resident Flag Yes

The customer has at least one Bounced Cheque

Total Outstanding Balance: 78,047
Total Overdue: 0
Number Of Default Contracts: 0

Info type Info Expiry Date Provider No Date Of Last Update

Passport A8459371 12 October 2020 C06 15 March 2017
Passport (historical) A5395857 - B25 23 February 2017
Emirates Id 784-1952-2342123-6 - C61 15 March 2017
Emirates Id (historical) 784195223421236 - B85 23 February 2017
Driving License 536738 - B92 22 February 2017

Address Type Address Arabic Address Emirate P.O. Box Plot No Provider No Date Of Last Update
Address JUMEIRAH 1 ‫ ﺟﻤﻴﺮﺍ‬1 ‫ﺷﺎﺭﻉ‬12 ‫ﻓﻴﻼ‬ Dubai 34772 4 B02 22 February 2017
STREET 17A VILLA 17
12

Employment Name Employment Type Gross Annual Income Date Of Employment Date of Termination Provider No Date Of Last Update
XYZ GENERAL Full Time 240,000 01 October 2009 - B02 22 February 2017
TRADING

Contact Type Contact Provider No Date Of Last Update Link Type Subject Shareholder Provider No Date Of Last
E-mail MOHAMMED.ABDA B02 22 February 2017 Percentage Update
LLAH@XXXXXX.C Owner of ABD BUILDING - B02 22 February
OM Establishment MATERIAL 2017
Phone Number 040000000 B02 22 February 2017
Mobile Number 0500000000 B02 22 February 2017

Source Gross Annual Provider No Date Of Last

Income Update
Family Business 100,000 B02 22 February 2017

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 CREDIT REPORT CREATED ON 17.04.2017 11:05:21 AM
Response ID: as333743--233b-2342-95fe-000c290f02348

Private and Confidential

MOHAMMED ABDALLAH

Type Beneficiary IBAN Number Amount Reason Return Date Severity Provider No Date Of Last
Name Update
Unpaid Direct AE95***200000 250323002 1,400 Closed Account 28 February Single B02 05 June 2016
Debits 0000000001 2016
Bounced AE95***200000 100001 2,000 Insufficient 01 June 2016 Single B05 10 June 2016
Cheques 0000000000 Funds

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 CREDIT REPORT CREATED ON 17.04.2017 11:05:21 AM
Response ID: as333743--233b-2342-95fe-000c290f02348

Private and Confidential

MOHAMMED ABDALLAH

No. Of Records
Instalments
Total No Of Reporting Data Provider
No Of Active Contracts 1
Main & Co-Contract Holder Guarantor
Record Requested Rejected Not taken Up Declined Active Closed Total Monthly Instalments 2,000 0
Distribution Amount
Instalments 1 0 0 0 1 1 Total Outstanding Balance 28,000 0
Amount
Not - Instalments 0 0 0 0 1 0
Total Overdue Amount 0 0
Credit Cards 0 0 0 0 2 0
Services 0 0 0 0 1 0

Non Instalments
Total Exposure 108,340 No Of Active Contracts 1
Total exposure for the non-funded 0 Main & Co-Contract Holder Guarantor
facilities Total Credit Limit 50,000 0
Credit Utilization Rate On Credit Cards 32 Total Outstanding Balance 40,000 0
(%) Amount
Worst Current Payment Delay 180 Total Overdue Amount 0 0
Worst Payment Delay Last 24 Months 180
Worst Status L24M Default
Oldest Contract Start Date 25 January 2008
Newest Contract Start Date 01 January 2016 Credit Cards
Number of Enquiries Last 90 Days 1 No Of Active Contracts 2
Total Outstanding Balance of 0 Main & Co-Contract Holder Guarantor
Guaranteed Contracts Total Credit Limit 30,000 0
Total Overdue of Guaranteed Contracts 0 Total Outstanding Balance 9,707 0
Amount
Total Overdue Amount 0 0

Services
No Of Active Contracts 1
Main & Co-Contract Holder Guarantor
Total Outstanding Balance 340 0
Amount
Total Overdue Amount 0 0

May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr

2015 2016 2017

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 CREDIT REPORT CREATED ON 17.04.2017 11:05:21 AM
Response ID: as333743--233b-2342-95fe-000c290f02348

Private and Confidential

MOHAMMED ABDALLAH

Page 4 of 10
 CREDIT REPORT CREATED ON 17.04.2017 11:05:21 AM
Response ID: as333743--233b-2342-95fe-000c290f02348

Private and Confidential

MOHAMMED ABDALLAH

INSTALMENTS
No Type of Contract Phase Role Start Date Date last updated CB Contract Id DP Contract No Outstanding
Balance
1 Car Loan Active Main Contract 19 February 31 January R05460056 PCNOI0030723 28,000
Holder 2013 2017 4

Historical Data

02 2015 03 2015 04 2015 05 2015 06 2015 07 2015 08 2015 09 2015 10 2015 11 2015 12 2015 01 2016

OK OK OK OK OK OK OK OK OK OK OK OK

02 2016 03 2016 04 2016 05 2016 06 2016 07 2016 08 2016 09 2016 10 2016 11 2016 12 2016 01 2017

OK OK OK OK OK OK OK OK OK OK OK OK
Instalment Details 1|CB Contract Id:R05460056
CB Contract Id R05460056 Overdue Amount 0
Provider No B02 No Of Days Payment Delay 0
Type of Contract Car Loan Maximum Overdue Amount 0
Phase Active Maximum Overdue Amount Date 31 January 2017
Role Main Contract Holder Maximum No Of Days Of Payment Delay 0
Method of Payment Cheque Maximum No Of Days Of Payment Delay 31 January 2017
Original Currency Code UAE Dirham Date
Worst Status Active Payments
Outstanding Balance 28,000
Worst Status Date 31 January 2017
Total Amount 120,000
Awaiting Correction Flag No
Total No Of Instalments 60
No Of Remaining Instalments 14 Linked Subjects
Payment Frequency Monthly Instalments - 30 Days
Payments Amount 2,000 Role
Start Date 19 February 2013
Closed Date 28 February 2018
Islamic Contract Flag No
Secured Contract Flag Yes
Securities
Provider-reported Suspicious Activity - Code Description
Suspicious activity report date - TS8 Registered Mortgage over Vehicles (Tangible)

No Type of Contract Phase Role Start Date Date last updated CB Contract Id DP Contract No Outstanding
Balance
2 Personal Loan Closed Guarantor 23 January 31 January 305457211 PCNOI0350458 0
2013 2016 97

Historical Data

02 2014 03 2014 04 2014 05 2014 06 2014 07 2014 08 2014 09 2014 10 2014 11 2014 12 2014 01 2015

OK OK OK OK OK OK OK OK OK OK OK OK

02 2015 03 2015 04 2015 05 2015 06 2015 07 2015 08 2015 09 2015 10 2015 11 2015 12 2015 01 2016

OK OK OK OK OK 30 60 90 120 150 180+ OK

Instalment Details 2|CB Contract Id:305457211
CB Contract Id 305457211 Overdue Amount 0
Provider No B04 No Of Days Payment Delay 0
Type of Contract Personal Loan Maximum Overdue Amount 45,206
Phase Closed Maximum Overdue Amount Date 31 December 2015
Role Guarantor Maximum No Of Days Of Payment Delay 180
Method of Payment Authorization to Direct Current Contract Maximum No Of Days Of Payment Delay 31 December 2015
Debit (Standing Instruction) Date
Original Currency Code UAE Dirham Worst Status Default
Outstanding Balance 0 Worst Status Date 31 December 2015
Total Amount 250,000 Awaiting Correction Flag No
Total No Of Instalments 48
No Of Remaining Instalments 0 Linked Subjects
Payment Frequency Monthly Instalments - 30 Days Role
Payments Amount 6,458
Start Date 23 January 2013
Closed Date 31 January 2016
Islamic Contract Flag No Securities
Secured Contract Flag Yes Code Description
Provider-reported Suspicious Activity - NTS7 Personal Guarantee (Intangible)
Suspicious activity report date -

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 CREDIT REPORT CREATED ON 17.04.2017 11:05:21 AM
Response ID: as333743--233b-2342-95fe-000c290f02348

Private and Confidential

MOHAMMED ABDALLAH

NOT INSTALMENTS
No Type of Contract Phase Role Start Date Date last updated CB Contract Id DP Contract No Outstanding
Balance
1 Overdraft Active Main Contract 25 January 31 January E05459410 PCNONI035032 40,000
Holder 2008 2017 2

Historical Data

02 2015 03 2015 04 2015 05 2015 06 2015 07 2015 08 2015 09 2015 10 2015 11 2015 12 2015 01 2016

OK OK OK OK OK OK OK OVER OK OK OK OK

02 2016 03 2016 04 2016 05 2016 06 2016 07 2016 08 2016 09 2016 10 2016 11 2016 12 2016 01 2017

OK 90% OK OK OK OK OK OK OK OK OK OK
Not Instalment Details 1|CB Contract Id:E05459410
CB Contract Id E05459410 Month Credit Limit Outstanding Status
Provider No B04 Balance
01 2017 50,000 40,000 Active Payments
Type of Contract Overdraft
12 2016 50,000 20,000 Active Payments
Phase Active
11 2016 50,000 20,000 Active Payments
Role Main Contract Holder
10 2016 50,000 20,000 Active Payments
Original Currency Code AED
09 2016 50,000 20,000 Active Payments
Credit Limit 50,000
08 2016 50,000 20,000 Active Payments
Overdue Amount 0
07 2016 50,000 20,000 Active Payments
Start Date 25 January 2008
06 2016 50,000 20,000 Active Payments
Closed Date -
05 2016 50,000 0 Active Payments
Islamic Contract Flag No
04 2016 50,000 0 Active Payments
Secured Contract Flag Yes
03 2016 50,000 48,000 Active Payments
Provider-reported Suspicious Activity -
02 2016 50,000 1,000 Active Payments
Suspicious activity report date -
01 2016 50,000 10,000 Active Payments
Maximum Overdue Amount 0
12 2015 50,000 10,000 Active Payments
Maximum Overdue Amount Date 31 January 2017
11 2015 50,000 30,000 Active Payments
Maximum No Of Days Of Payment Delay 0
10 2015 50,000 30,000 Active Payments
Maximum No Of Days Of Payment Delay 31 January 2017
Date 09 2015 50,000 60,000 Active Payments
Worst Status Active Payments 08 2015 50,000 30,000 Active Payments
Worst Status Date 31 January 2017 07 2015 50,000 25,000 Active Payments
Awaiting Correction Flag No 06 2015 50,000 25,000 Active Payments
05 2015 50,000 25,000 Active Payments
04 2015 50,000 20,000 Active Payments
03 2015 50,000 20,000 Active Payments
02 2015 50,000 20,000 Active Payments

Securities
Code Description

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 CREDIT REPORT CREATED ON 17.04.2017 11:05:21 AM
Response ID: as333743--233b-2342-95fe-000c290f02348

Private and Confidential

MOHAMMED ABDALLAH

CARDS
No Type of Contract Phase Role Start Date Date last updated CB Contract Id DP Contract No Outstanding
Balance
1 Credit Card Active Main Contract 01 January 31 January 305457452 PCNOCC02104
Holder 2016 2017 22

Historical Data

02 2015 03 2015 04 2015 05 2015 06 2015 07 2015 08 2015 09 2015 10 2015 11 2015 12 2015 01 2016

N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A MIN

02 2016 03 2016 04 2016 05 2016 06 2016 07 2016 08 2016 09 2016 10 2016 11 2016 12 2016 01 2017

MIN MIN 5 30 60 90 120 150 180+ MIN MIN MIN

Credit Card Details 1|CB Contract Id:305457452
CB Contract Id 305457452 Month Utilization Rate (%) Outstanding Status
Provider No B05 Balance
01 2017 34 6,729 Active Payments
Type of Contract Credit Card
12 2016 16 3,215 Active Payments
Phase Active
11 2016 13 2,531 Active Payments
Role Main Contract Holder
10 2016 143 28,536 Default
Original Currency Code AED
09 2016 137 27,304 Active Payments
Balance 6,729
08 2016 130 26,072 Active Payments
Credit Limit 20,000
07 2016 124 24,840 Active Payments
Amount Spent In The Month 1,900
06 2016 118 23,608 Active Payments
Overdue Amount 0
05 2016 112 22,376 Active Payments
No Of Days Payment Delay 0
04 2016 106 21,144 Active Payments
Payment Frequency -
03 2016 100 19,912 Active Payments
Start Date 01 January 2016
02 2016 84 16,877 Active Payments
Closed Date -
01 2016 51 10,243 Active Payments
Card Used Flag Yes
Islamic Contract Flag No
Securities
Secured Contract Flag No
Provider-reported Suspicious Activity - Code Description
Suspicious activity report date -
Maximum Overdue Amount 15,882
Maximum Overdue Amount Date 31 October 2016
Maximum No Of Days Of Payment Delay 180
Maximum No Of Days Of Payment Delay 31 October 2016
Date
Worst Status Default
Worst Status Date 31 October 2016
Awaiting Correction Flag No

No Type of Contract Phase Role Start Date Date last updated CB Contract Id DP Contract No Outstanding
Balance
2 Credit Card Active Main Contract 10 June 2014 31 January H05460811 PCNOCC03503
Holder 2017 24

Historical Data

02 2015 03 2015 04 2015 05 2015 06 2015 07 2015 08 2015 09 2015 10 2015 11 2015 12 2015 01 2016

MIN MIN MIN MIN MIN MIN MIN MIN MIN MIN MIN MIN

02 2016 03 2016 04 2016 05 2016 06 2016 07 2016 08 2016 09 2016 10 2016 11 2016 12 2016 01 2017

MIN MIN MIN MIN MIN MIN MIN MIN MIN MIN MIN MIN
Credit Card Details 2|CB Contract Id:H05460811

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 CREDIT REPORT CREATED ON 17.04.2017 11:05:21 AM
Response ID: as333743--233b-2342-95fe-000c290f02348

Private and Confidential

MOHAMMED ABDALLAH

CB Contract Id H05460811 Month Utilization Rate (%) Outstanding Status

Provider No B04 Balance
01 2017 30 2,978 Active Payments
Type of Contract Credit Card
12 2016 34 3,367 Active Payments
Phase Active
11 2016 42 4,156 Active Payments
Role Main Contract Holder
10 2016 44 4,378 Active Payments
Original Currency Code AED
09 2016 36 3,562 Active Payments
Balance 2,978
08 2016 42 4,197 Active Payments
Credit Limit 10,000
07 2016 30 2,972 Active Payments
Amount Spent In The Month 2,566
06 2016 29 2,941 Active Payments
Overdue Amount 0
05 2016 47 4,678 Active Payments
No Of Days Payment Delay 0
04 2016 40 4,001 Active Payments
Payment Frequency -
03 2016 51 5,132 Active Payments
Start Date 10 June 2014
02 2016 45 4,529 Active Payments
Closed Date -
01 2016 49 4,934 Active Payments
Card Used Flag Yes
12 2015 39 3,934 Active Payments
Islamic Contract Flag No
11 2015 29 2,932 Active Payments
Secured Contract Flag No
10 2015 16 1,647 Active Payments
Provider-reported Suspicious Activity -
09 2015 59 5,912 Active Payments
Suspicious activity report date -
08 2015 26 2,562 Active Payments
Maximum Overdue Amount 0
07 2015 46 4,623 Active Payments
Maximum Overdue Amount Date 31 January 2017
06 2015 36 3,564 Active Payments
Maximum No Of Days Of Payment Delay 0
05 2015 39 3,912 Active Payments
Maximum No Of Days Of Payment Delay 31 January 2017
Date 04 2015 30 2,957 Active Payments
Worst Status Active Payments 03 2015 29 2,935 Active Payments
Worst Status Date 31 January 2017 02 2015 29 2,912 Active Payments
Awaiting Correction Flag No
Securities
Code Description

Page 8 of 10
 CREDIT REPORT CREATED ON 17.04.2017 11:05:21 AM
Response ID: as333743--233b-2342-95fe-000c290f02348

Private and Confidential

MOHAMMED ABDALLAH

Services
No Type of Contract Phase Role Start Date Date last updated CB Contract Id DP Contract No Outstanding
Balance
1 Communication Active Main Contract 25 November 31 January 305457212 PCNOET00562
Services Holder 2010 2017 32

Historical Data

02 2015 03 2015 04 2015 05 2015 06 2015 07 2015 08 2015 09 2015 10 2015 11 2015 12 2015 01 2016

OK OK OK OK OK OK OK OK OK OK OK OK

02 2016 03 2016 04 2016 05 2016 06 2016 07 2016 08 2016 09 2016 10 2016 11 2016 12 2016 01 2017

OK OK OK OK OK OK OK OK OK OK OK OK
Service Details 1|CB Contract Id:305457212
Provider No T03 Month Billed Outstanding Overdue Status
Type of Contract Communication Services Balance
01 2017 340 340 0 Active
Communication Type -
Payments
No Of Mobile Services 1 12 2016 309 309 0 Active
No Of Fixed Line Services 0 Payments
No Of Other Services 0 11 2016 356 356 0 Active
Phase Active Payments
10 2016 368 368 0 Active
Role Main Contract Holder
Payments
Original Currency Code AED 09 2016 357 357 0 Active
Start Date 25 November 2010 Payments
Closed Date - 08 2016 411 411 0 Active
Holder Is Not Liable Flag No Payments
07 2016 420 420 0 Active
Provider-reported Suspicious Activity -
Payments
Suspicious activity report date - 06 2016 296 296 0 Active
Maximum Overdue Amount 0 Payments
Maximum Overdue Amount Date 31 January 2017 05 2016 274 274 0 Active
Maximum No Of Days Of Payment Delay 0 Payments
04 2016 254 254 0 Active
Maximum No Of Days Of Payment Delay 31 January 2017
Payments
Date
03 2016 299 299 0 Active
Worst Status Active Payments
Payments
Worst Status Date 31 January 2017 02 2016 305 305 0 Active
Awaiting Correction Flag No Payments
01 2016 367 367 0 Active
Payments
12 2015 365 365 0 Active
Payments
11 2015 351 351 0 Active
Payments
10 2015 323 323 0 Active
Payments
09 2015 320 320 0 Active
Payments
08 2015 299 299 0 Active
Payments
07 2015 265 265 0 Active
Payments
06 2015 246 246 0 Active
Payments
05 2015 284 284 0 Active
Payments
04 2015 265 265 0 Active
Payments
03 2015 189 189 0 Active
Payments
02 2015 225 225 0 Active
Payments

CB Provider Type of Contract Phase Role Date Of Last Total No Of Credit Limit Links
Application No Update Amount Instalments
Id
M05460877 C01 Personal Loan Requested Main 15 March 2017 100,000 48 - -
Contract
Holder

Provider No Provider Code Provider Provider 1st Emirates Provider 2nd Emirates Phone No Web Address
Description Address Address
B02 00 Bank Name Bank Address Abu Dhabi - - ٠٠٠٠٠٠٠+971
MAKTOUM ST WWW.

C01 99999 - A1 Abu Dhabi - - - -

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 CREDIT REPORT CREATED ON 17.04.2017 11:05:21 AM
Response ID: as333743--233b-2342-95fe-000c290f02348

Private and Confidential

MOHAMMED ABDALLAH

B05 02 Bank Name Bank Address Dubai Dubai ٠٠٠٠٠٠٠٠+971 www.

B04 35 Bank Name Bank Address Abu Dhabi - - -

T03 T02 Telco Name Telco Address Dubai - Du-bai - -

The data and information contained in the Credit Report or used to calculate the Credit Score have been supplied by various parties and collated from several sources according to
the UAE Federal Law No. 6 of 2010. Al Etihad Credit Bureau is not responsible for the accuracy or completeness of the data or information and it makes no warranty in relation to
the correctness or completeness of any other aspect of the Credit Report or the Credit Score. As a result, Al Etihad Credit Bureau will not be liable for any loss or damage whether
direct or indirect arising from the use of the Credit Report or the Credit Score. The Credit Report and the Credit Score do not represent any opinion of Al Etihad Credit Bureau and
the judgment to grant or extend any credit or amend its terms and conditions is left to the institution that provides the credit services.

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