1. Dubai’s Driver Management Program RTA Licensing Agency RTA Trusted Agent - Bank (Mortgage Provider) RTA Licensing Agency

2. Presentation Part One Trusted Agent Model Trusted Agent-Bank (Mortgage Provider) Access to RTA Service Status / Timelines Part Two Online Mortgage Release Process

3. Trusted Agent Model Intent – To provide better service while reducing service delivery costs. To provide new services. Trusted Agent Types Motor Insurers – Vehicle Registration Renewal Eye Test Centres – Driver License Renewal Certified Eye Test Centres – Upload Eye Test Results Doctors – Driver Medical Tests Certified Doctors – Driver Medical Tests (Aug 2013) Banks – Release Vehicle Mortgages Coming – Motor Dealers (July 2013)

4. Trusted Agent - Bank Mortgage Providers to have Online access to their vehicle asset Banks to have direct control over their asset RTA to discontinue this role Transaction Range 1.Permanently release a vehicle mortgage 2.NOC for mortgaged vehicle to leave the UAE 3.Check placement of a mortgage Note: No change to placing a vehicle mortgage Future: Value Add through Online linkage

5. Trusted Agent - Bank RTA’s Online (Internet) service –Allows access to mortgaged vehicles Can only access the company’s mortgaged vehicles –Allows immediate mortgage release or NOC for Tourist Certificate –No paper documents to RTA Service contains - Maker / Checker (approver) roles Online Daily Transaction Reports RTA alerts client / Bank of actions –Mortgagor determines if client must return for a certificate Note: RTA will not request any document from client

6. Access to Service Internet service PC, Internet connection, standard Printer Online service - arabic / english languages No RTA stationary or equipment RTA issues System Admin – 2 x UserID & Password –Bank determines who accesses RTA’s service –RTA service – auto issues UserIDs –No limit to the number of Bank Users Service disabled outside Bank working hours System support 24 / 7 via RTA Call Centre TA-Banks to sign 2yr contract with RTA No fees are payable to RTA by Banks – free service

7. Status / Timelines System Pilot (completed) EmiratesNBD & Dubai Islamic Bank RTA service fully deployed Ready for all mortgage providers Full range of User Manuals available TA-Bank contract ready Finalized contract ready for all mortgage providers Service roll out to other Banks – commenced Discontinue RTA accepting paper documents – Q3 2013 Setup, Staff Training and commence service Approximately 2 weeks Staff Training = 90 minutes

8. Part One Questions? Steve Venning RTA Licensing Agency

9. Part Two Questions? Steve Venning RTA Licensing Agency