Emaar Final

Emaar, Shaping the future, Today

INTRODUCTION

Emaar Properties PJSC is one of the world’s largest real estate companies and is rapidly growing to become a global provider of premier lifestyles. A Dubai-based Public Joint Stock Company, Emaar is listed on the Dubai Financial Market and is part of the Dow Jones Arabia Titans Index. Emaar has highlighted the remarkable global growth of the company by debuting on the 2007 Financial Times Global 500 ranking, which provides an annual snapshot of the world’s largest companies.

In tandem with Dubai’s rapid growth, Emaar has been shaping landscapes and lives in the Emirate since the company’s inauguration in 1997. Not just building homes, Emaar develops value-added, master-planned communities that meet the homebuyers’ full range of lifestyle needs. A pioneer of innovative community-living concepts, Emaar is the prime mover of the Emirate’s real estate and construction sector.

In line with its Vision 2010, Emaar is charting a new course of growth through a two-sided strategy of geographical expansion and business segmentation. Replicating its successful business model in Dubai, Emaar is extending its expertise in creating master-planned communities to international markets. Simultaneously, Emaar is developing new competencies in hospitality & leisure, malls, education, healthcare and financial services, which have evolved from its integrated approach to customer service and property development.

With six business segments and more than 60 active companies, Emaar has a collective presence in over 36 markets spanning the Middle East, North Africa, Pan-Asia, Europe and North America. The company has established operations in the United Arab Emirates, Saudi Arabia, Syria, Jordan, Lebanon, Egypt, Morocco, Algeria, Libya, India, Pakistan, Turkey, Indonesia, USA, Canada and United Kingdom.

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MANAGEMENT STRUCTURE

Management structure is crucial to the success of any organization in achieving its mission. In 2006, Emaar established the Corporate Office based in Dubai and formed a strong management team for its international subsidiaries and business segments.

In 2007, at the country level, it inducted seven senior executives, bringing its team of chief executive officers, chief operating officers and general managers to full strength and fuelling the growth momentum of its international businesses.At the Corporate Office level, it expanded team of Regional Managing Directors. Each Regional Managing Director has a specific geographical focus and would drive the expansion of the various markets redistributed under their charge. The Corporate Office plays the role of a facilitator to Emaar’s businesses, ensuring the successful replication of Emaar’s business model in Dubai overseas and the inculcation of its unique corporate culture within its international operations. To this effect, it created the positions of Chief Information Officer and Director, Customer Care, to place Emaar at the forefront of information technology and customer service, respectively.

BOARD OF DIRECTORS

H.E. Mohamed Bin Ali AlabbarChairman

Mr. Hussain Al QemziVice Chairman

Mr. Salem Bin Rashed Al MohannadiDirector

Mr. Mohammed Ibrahim Al ShaibaniDirector

Dr. Lowai Mohamed BelhoulDirector

Mr. Majid Saif Al GhurairDirector

Mr. Ahmad Jamal JawaDirector

Mr. Ahmad Thani Al MatrooshiDirector

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CORPORATE MISSION

Emaar’s mission is to transform Emaar into a one-stop, global solution provider for lifestyle, including homes, work, play, leisure, retail, health, education, finance, industry and more.

CORPORATE VISION

Transform Emaar into one of the most valuable lifestyle developers in the world beyond real estate development.

CORPORATE STRATEGY

To become one of the most valuable companies in the world, Emaar will adopt a strategy of business segmentation to create different business clusters functioning as different growth engines. These growth engines will grow and converge into a single entity known as “The Emaar Group PJSC”.

CUSTOMERS FOCUS

Customers are not just a source of revenue - they are the ambassadors of any brand and the lifeblood of any company.

Emaar understands that without its customers, there would be no Emaar and so it works hard to go that extra mile, every time.

Customer focus is about relationships. It is about understanding and listening. It is about giving people what they need, when they need it. These relationships do not end when it sells a home - indeed, this is just the

beginning. Emaar is a lifestyle brand, and it works endlessly to improve the lives of its

customers.

OPEN COMMUNICATIONS

When anyone has a company as the size of Emaar, open communications is always a challenge

From the very beginning, Emaar has committed itself fully to the ideals of transparency and accountability

Because of this, Emaar has built trust with its customers and it has attracted and retained the best employees

Emaar listens, and it encourages people to speak up

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EMPLOYEE DEVELOPMENT & POSITIVE WORK ENVIRONMENT

It is not enough for employees to be happy in their work. In order for a company to succeed, they must be passionate.

Passion is about believing in what you do. Emaar works hard to ensure that people feel valued, that good work does not

go unrecognized Emaar is committed to helping its employees to develop their talents -

whether through formal training or day-to-day experience in the workplace Emaar is an equal opportunity employer. It believes in strength through

diversity Emaar encourage positive energy - if an employee has concerns or problems,

Emaar is there to help Emaar does not offer people jobs - it offers them an opportunity to grow.

INNOVATION, SPEED & EXECUTION

The only bad idea is keeping your ideas to yourself. Emaar has always placed great emphasis on ideas

It encourages people to experiment, to explore, to test the boundaries of what is possible

Indeed, Emaar believes such boundaries do not exist - its starting point is that everything is possible

Emaar wants its innovation to come from everyone in the company And it wants innovation to touch everything that it does - from marketing to

sales, from development to the use of materials At the same time, Emaar is aware that the best idea in the world means

nothing without execution

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SOCIAL RESPONSIBILTY

Social responsibility is about giving something back, and Emaar does this with every project it takes on

Emaar gives people places to live, work, play and learn Emaar builds developments that enhance people’s surroundings, that enrich

people’s lives Emaar’s communities provide amenities like community centers, play

grounds, pools and walkways where families spend time together further enriching their lives

Emaar enters into emerging markets and, through its developments, stimulates investment and creates jobs

Emaar believes that social responsibility should be a part of everything Emaar does.

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ENVIRONMENTAL POLICY

Environmental protection is its responsibility towards its communities and future generations. Following the best practices and spreading environmental awareness are its prime duties in fulfilling this responsibility.

Environmental protection involves prevention of pollution, conservation of natural resources and maintaining ecological balance. Adopting ISO 14001:2004 standard in its operations and working towards excellence in the environmental management is a way to create “Green Emaar”, which is another aspect of its Vision 2010.

INTEGRATION OF ACQUISITIONS & JOINT VENTURE COMPANY

The focus of our Group is on execution with a clear objective to ensure the timely and quality delivery of our domestic and international projects. Emaar acquired John Laing Homes and Hamptons International to grow its residential development capabilities and expand its international sales channels, respectively. With a similar eye to execution, it entered into a joint venture with Turner International to scale up its project management capabilities.

Turner International has also commenced project coordination for the Emaar Group, completing the construction of sales centres and “Street of Dreams” model homes for Morocco, Saudi Arabia, Egypt, India and Pakistan.

MANAGEMENT BY OBJECTIVES

The central aim behind the adoption of the MBO and KPI system is to ensure that all of Emaar’s people continue to pull in the same direction and maintain a sense of focus when working in an environment of rapid change. In addition, as Emaar continues to grow in size and stature it becomes increasingly important to develop a means by which to compare achievements against the most successful, most esteemed companies in the world.

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ENTERPRISE RISK MANAGEMENT

Enterprise risks are factors that can potentially cause heavy financial losses or fundamentally undermine the competitive position of the company. On a broader basis, enterprise risks can be segmented into three categories: (a) macro threats that emerge from the general geopolitical and macroeconomic environment in which the company operates; (b) sector threats that emerge from trends or uncertainties that are reshaping the specific industry; and (c) operational threats that reach a level of severity that they impact on the company’s strategic performance.

While Emaar has been consistently achieving its financial objectives, they do not believe in resting on their success. On the contrary, they believe in reinforcing

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Emaar and safeguarding its continuity even as it becomes increasingly exposed to the attendant risks that come with growth and expansion. It is to this effect that, under the direction of the Board of Directors, Emaar initiated the programme for Enterprise Risk Management in 2007

RECRUITMENT

Emaar’s recruitment is based on competencies or sets of behaviors, skills, knowledge and focus on finding the best people for the available jobs. The selection process may involve several stages. If anyone meets the requirements he/she will be required to attend an interview and perhaps complete some psychometric and/or personality tests. The interview will be about his/her experience. He/she will be asked for examples of how he/she behaves in different situations drawing on examples from work, university or their personal life.

FINANCIAL PERFORMANCE

Focusing on business segmentation, international expansion and strong regional partnerships in 2007, Emaar recorded annual net profits of AED 6.575 billion (US$ 1.790 billion), 3 per cent higher than the net profit of AED 6.371 billion (US$ 1.735 billion) recorded in 2006 in spite of significantly lower land sales and slow down of the US real-estate sector during 2007.

Annual revenue increased by 25 per cent to AED 17.566 billion (US$ 4.782 billion) compared to AED 14 billion (US$ 3.813 billion) in 2006. Earnings per share (EPS) for the year 2007 were AED 1.08 (US$ 0.29) compared to AED 1.05 (US$ 0.29) in 2006.

Its strategy of creating significant value for our shareholders is progressing well. The net asset value of the Group, including the fair value of the land, real estate properties and market value of listed associates / companies, increased 46 per cent from AED 11.6 per share in 2006 to AED 16.9 per share in 2007.

The land bank of Emaar increased from 468 million square meters in 2006 to 519 million square meters as at end of 2007. The value of this land increased by 74 per cent from AED 68 billion to AED 118 billion.

Moving forward in 2008, the cash resources of Emaar have been earmarked for further strengthening its Malls and Hospitality assets to generate a stable stream of revenues, as well as for initial infrastructure requirements for its various international entities.

EMAAR’S COMPETITORS

There are the following top competitors of Emaar.

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Saudi Binladin Company Description

The firm was founded in 1931 by Osama bin Ladin father, Yemeni immigrant Mohammed bin Laden. By developing close ties to the Saudi royal family, the group expanded to include construction, engineering, manufacturing, and telecommunications. Construction projects include airports, housing complexes, tunnels, and bridges. The group's industrial and power projects unit operates as Arabian BEMCO Contracting Co.

Majid Al Futtaim Group Company Description

Majid Al Futtaim Group is the force behind Ski Dubai, the world's largest indoor ski resort. Its Majid Al Futtaim Properties development company created many of Dubai's shopping malls and hotels, including Mall of the Emirates, a 2.4 million sq. ft. "shopping resort" where Ski Dubai is located. It is also developing a master-planned community in Oman called The Wave Muscat. The group has joint ventures with Dalkia, ORIX, JCB, and Mubadala, and has established about 25 Carrefour hypermarkets in the region. Majid Al Futtaim operates through four segments: property, retail, ventures, and the Majid Al Futtaim Trust.

Nakheel Company Description

No man is an island, but if you've got enough money you can buy one from Nakheel. The real estate developer is best known for constructing man-made islands that, when finished, will add more than 600 miles of coastline to Dubai. The first island, shaped like a palm tree and called Palm Jumeirah, will be home to private villas, mansions, luxury apartment towers, and a 60-story Trump hotel. Nakheel is also constructing two other palm-shaped islands, a 300-island archipelago called The World (shaped to mimic the continents), and more than a dozen other large-scale developments across Dubai. Nakheel is populating its engineering feats with hotels, restaurants, and shopping malls that it will also manage.

BUSINESS SEGMENTS

There are the following business segments of Emaar.

Emaar Education

In line with Emaar’s Vision 2010 to become one of the most valuable companies in the world, through its wholly owned subsidiary, Emaar Education, it acquired Singapore-based Raffles Campus, a premier education provider, in September 2006 to spearhead its projects in the educational sector.

Raffles Campus has campuses not only Singapore but also in Dubai, India, Hong Kong, People's Republic of China and Vietnam. Raffles Campus will manage and operate Emaar's roster of over 100 educational institutions which will include nurseries, international schools, business schools and universities with emphasis on

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an integrated model of education from the early development ages in the Nursery and Kindergarten through to the maturity ages in the Tertiary level. By upholding an integrated pathway model of education as one of its strengths, Raffles Campus aims to provide the highest quality private education through its global campus network.

Emaar Education announced its intention to establish a University of Arts to promote arts education in the Middle East and North Africa region and the Subcontinent. The establishment of the University of the Arts is another step by Emaar towards becoming a provider of world-class education. The University of the Arts initiative will help to nurture creativity and cultivate global talent in these regions.

In view of the demand for skilled labour, Emaar Education will be launching a series of vocational education and training programmes in 2008. These programmes will focus on equipping students with relevant and practical job-ready skills.

Property Management Academy

Emaar has announced plans to establish the Emaar Property Management Academy – the region’s first professional academy for Property Management. The Academy will cover all aspects of the property market and will offer a range of undergraduate and graduate studies, professional training programmes as well as vocational programmes. Entry to the Academy is open to those with a secondary school certificate and above.

Professional instructors from across the globe will be recruited to teach at the Academy to instruct in the multifaceted property business and will draw upon award winning real estate developments both in the UAE and from across the globe.

Emaar Healthcare Group

Emaar Healthcare Group is a diversification initiative of Emaar Properties in line with the company’s Vision 2010 to become one of the most valuable companies in the world.

With a capital expenditure of AED 18.35 billion (US$5 billion), Emaar Healthcare Group plans to develop and manage over 100 hospitals, clinics and medical centres in the Middle East and North Africa region, the Indian Subcontinent and South East Asia in the next ten years. These centres will offer world-class health services, and also add value to the healthcare sector of the various countries through effective public-private partnerships.

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Emaar has a clearly defined development plan for healthcare, which involves integrating advanced medical infrastructure in all key centers. Emaar Healthcare Group will also form strategic tie-ups with renowned medical specialists to bring about and set best practice standards in all the regions it serves.

Emaar Healthcare’s mission is to enhance the quality of life by ensuring that integrated healthcare services of international standards are accessible to the people. It will also manage innovative initiatives that support the healthcare sector regionally and globally.

Emaar Hospitality Group

The Emaar Hospitality Group LLC manages the company’s growing roster of hospitality and leisure projects. It ensures residents of Emaar’s master planned communities have access to exceptional sport, entertainment, recreational, hotel and business facilities.

Emaar Hospitality Group owns and manages a diverse and award-winning portfolio of leisure assets, including golf resorts, a polo and equestrian club, health clubs, and the Dubai Marina and associated yacht club.

In tandem with the development and management of first class leisure facilities, Emaar Hospitality is rolling out The Address Hotels + Resorts during 2008, with a commitment to building a world-class 5 star hotel chain in under a decade.

Emaar Malls Group

Emaar Malls Group LLC is focused on creating lifestyle destinations customized to the particular needs of the residential community they serve. Emaar’s master-planned developments generate ambience and a feeling of community unmatched by any other developer. Crucial to this process is the creation of shopping malls and community centres that merge design, access and a retail mix offering all the amenities, services and leisure options all within your reach.

At the forefront of these developments is the Emaar Malls Group flagship The Dubai Mall, one of the largest malls in the world and an integral component of the region’s most prestigious urban development to date, the Downtown Burj Dubai.

Emaar Hotels & Resorts

Emaar Hotels & Resorts LLC is a subsidiary of Emaar Properties and was initially created as part of a joint venture project with world renowned, fashion maestro, Giorgio Armani.

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Emaar aim is to develop and operate unique hotel branded products at five star level that are internationally recognized as the finest “lifestyle” oriented hotel or resort, providing faultless integration of spectacular design, cutting edge technology and world class service in the markets.

The first Armani/Emaar hotel is designed to be in the Burj Dubai and they are looking to develop and operate a collection of branded, mix-use properties that are unsurpassed in quality, innovation and service.

Emaar Hotels & Resorts embraces a minimum number of organizational levels, reporting relationships and staffing to ensure efficiencies and a lean organizational design.

Emaar International

Emaar International was launched in 2004 in a strategic move to expand its markets, reduce the risk of a single market and sustain growth for the future. Leveraging on its strengths for successful real estate development in Dubai, Emaar International will play a key role in the Group's future progress by identifying untapped, emerging and growing markets, diversifying its source of revenues and bringing together resources from different entities and strengthen its global brand.

Emaar’s main area of initial focus is the Middle East, North Africa and Indian subcontinent; it has already entered into partnerships with leading entities in these markets and is now implementing creative designs for various master-planned communities, mixed use projects and other large real estate development projects.

Emaar made its name by introducing master planned lifestyle communities to the UAE and now it is taking this winning formula to the rest of the world. Most of its international projects are scheduled to be completed in major cities and will add new levels of luxury living and modern cutting edge style to what is on offer - creating new choices and options for owners.

Emaar China

On July 4th 2006, Emaar Properties marked a milestone in its plans for international expansion by being the first Middle East property developer to open a fully fledged office in China. The office in Shanghai will guide its ambitious investment plans in China.

Emaar’s multi-pronged approach will start with the development of modern, community-centric lifestyle developments in Beijing and Shanghai. These residential projects will feature the entire range of facilities including fitness centres, retail malls, schools as well as hotels. Emaar is also looking at other growing cities in the country

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for more real estate development projects. It will also look at strategic investments in healthcare and education.

Emaar MGF India

Emaar MGF Land Private Limited is a joint venture company formed by Emaar Properties PJSC and MGF Developments Limited of India. In December 2005 Emaar MGF announced India's largest FDI in real estate amounting to over half a billion dollars for projects with a capital expenditure of US$4 billion (Rs 18,000 crore). Projects are planned for Delhi, Andhra Pradesh, Karnataka, Tamil Nadu and Maharashtra.

Emaar MGF is looking at integrated communities and homes which will make a real impact on the lives of the Indian people. With India posed to maintain a seven per cent plus GDP growth over the next 20 years and the world is beating a path to India, Emaar believes that it can make a significant contribution in strengthening the infrastructure of the country.

The communities and townships will be designed and constructed by architects and contractors of international standing and supported by various experts in the fields of planning, construction, transportation, utility, environment and other infrastructure.

Communities will include residential plots, town houses and villas, along with convenient shopping, landscaped gardens, civic facilities and amenities. They will also provide for the opening of international standard offices and IT parks which in turn will give a boost to industry, business and IT. Some of the planned communities will have hospitals, schools and colleges.

Emaar Indonesia

Emaar Properties has announced the US$600 million (IDR5446 billion) mixed-use project on Lombok Island that will build further on the tourism potential of the Lombok region. In May 2007, Emaar signed the Memorandum of Understanding (MoU) with Perusahaan Pengelola Aset (PPA), the state-owned Asset Management Company, for developing the project. This was followed by the signing of a joint venture in March 2008, between Emaar and Bali Tourism Development Corporation (BTDC), a state-owned firm under the Ministry of State-Owned Enterprises.

Emaar is one of the first developers from the Middle East and North Africa region to expand into Indonesia, an emerging market with strong growth potential, especially in the tourism sector.

Emaar Jordan

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Samarah, Dead Sea Golf and Beach Resort are Emaar’s first project in The Hashemite Kingdom of Jordan. The project is located on the Dead Sea. The 400 acre community will boast 850 homes, apartments and villas; two hotels, the first green golf course in the country and 17,000 square meters of retail and entertainment. Construction on the first phase has been started in January 2007.

Emaar has proven expertise in developing complete life-style communities by integrating leisure and retail components into its residential projects. The Jordan project derives inspiration, idea and management expertise from the company’s International experience in this area.

Emaar Middle East

Emaar Middle East is a joint venture between Emaar Properties and Saudi-based real estate company Al Oula Development. They are striving to introduce features include eleven mosques as well as a Grand Mosque for Friday Prayers, two schools, healthcare facilities, a shopping centre, a community centre that includes a recreation club, swimming pools, nursery/kindergarten, convenience retail, public area, and food & beverage outlets. The retail center sprawls over an area of 110,000 sq m, and will have convenience stores and fashion outlets for residents and visitors across Middle East.

Emaar Egypt

In March 2007, Emaar Properties acquired full ownership of its Egyptian subsidiary, Emaar Misr. Emaar Misr entered the real estate market with a new and ambitious strategy based on its groundbreaking seven pillars philosophy that it plans to bring to Egypt; providing properties that are: of superior quality, financed, finished, furnished, serviced, managed and integrated.

Emaar Morocco

Emaar Properties and ONA Group, the leading Moroccan industrial and financial group, unveiled details of a joint venture to create large scale residential and golfing development projects throughout Morocco. The joint venture projects are expected to take place over a period of five years.

Emaar Syria

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Emaar Properties and IGO, the offshore investment and property development company, unveiled details of a joint venture that sets in motion plans to develop a mixed use furnished apartments, commercial and retail development in Syria. The US$500 million project will recreate the luxury and style that are features of Emaar’s world-class Dubai developments.

Emaar Tunisia

In April 2006, Emaar announced plans to develop the AED 6.7 billion (US$1.88 billion : TND 2.54 billion) Marina Al Qussor project on Tunisia's eastern coast. The development is in line with Tunisia's tourism policy which is focused on residence tourism which enables high end tourists to buy homes for longer stays. The country attracted 6.4 million tourists in 2005 and is aiming for tourism revenue of close to US$2 billion in 2006.

Emaar Turkey

The Tuscan Valley project is a joint venture between Emaar Properties and Atasay, Turkey’s largest gold jewellery exporter.The initial investment figure of US$700 million will be followed by a further US$5-10 billion over the next few years. In addition to the Tuscan Valley Project, Emaar and Atasay are also currently focusing in identifying potential sites for shopping centres, commercial space and hotel developments.

Emaar USA

In June 2006 Emaar announced that it had acquired John Laing Homes, the second largest privately held homebuilder in the US, creating on of the world's leading real estate developers in residential homebuilding. The AED 3.856 billion (US$1.050 billion) all cash transaction was collectively approved by the boards of directors of both companies.

Partnering with John Laing Homes is consistent with Emaar's strategy of expanding its business on a global basis beyond Dubai. This agreement provides Emaar with an important gateway into the US real estate market.

Emaar Pakistan

In May 2006, Emaar signed a Memorandum of Understanding with Pakistan’s Port Qasim Authority for mixed use land development in Karachi. The agreement was signed by Emaar Chairman Mohamed Ali Alabbar and Senator Babar Khan Ghauri, Minister for Ports & Shipping in the presence of His Highness Sheikh Mohammed bin Rashid Al Maktoum, UAE Vice President and Prime Minister and Ruler of Dubai, Pakistan's President Pervez Musharraf and Prime Minister Shaukat Aziz. The

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landmark development will include a series of master planned communities that will set new standards in commercial, residential and retail property within Pakistan. All three projects are expected to be completed in the next four to five years.

The Highlands and Canyon Views, Islamabad

At the 1000 acres project, Canyon Views, Emaar has planned approximately 4500 units; 2650 Townhouses & Villas and 1850 units in mid rise buildings in a range of architectural styles with easy access to amenities including retail centres, community club houses, parks, lakes, schools and mosques.

The Highlands development is located within the Defense Housing Authority Islamabad (DHAI) Phase 1 extension and Canyon Views within the DHAI Phase 2 extension. Offering 50 separate community districts with their own individual identity, a range of architectural styles ranging from Mediterranean, Tuscan, Mughal, Arabic and Spanish, will be available to select from.

Crescent Bay, Karachi

A 108 acres of reclaimed land development featuring high and mid-rise towers for residential and commercial use, a shopping centre and five star beachfront hotel. The towers will contain 4000 residential apartments. Crescent Bay is located within Karachi's DHA Phase 8 and in close proximity to the DHA golf course. It will offer individual architectural styles for each tower within the development.

Sheikh Zayed Center, Lahore

Sheikh Zayed Center Lahore will have 3 residential apartment buildings of 20-25 floors each, professionally managed by Hyatt Residency. The main tower will also host a 5-star Grand Hyatt Hotel, the largest reception (marriage)/conference halls in the country, plus offices for Multi-National Companies and Large Local Private and Public Corporates. There will also be residential suites in the main tower, managed by Hyatt Residency.

Emaar Pakistan is one of the largest investors in Pakistan's real estate sector and is developing The Highlands and Canyon Views in Islamabad, Sheikh Zayed Center in Lahore and Crescent Bay in Karachi. Emaar's expansion into Pakistan is in line with its Vision 2010 to become one of the most valuable companies in the world.

CONCLUSION

Business does not proceed in a straight line. The best of plans, carefully plotted to the last detail, can be put to the test by unexpected events.

We live in a fast-moving world where speed is everything. A hundred percent perfection is a commendable goal, but we will achieve it only by becoming entirely irrelevant in a fast-pace environment. We cannot stand still. We have to act.

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http://en.wikipedia.org/wiki/Sheikh_Zayed_Center_Lahore

http://en.wikipedia.org/wiki/Hyatt

http://en.wikipedia.org/wiki/Grand_Hyatt

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Growth is limited only by our mindset, our ability to innovate and create differentiation in the marketplace. If we live by our confidence, we can do almost anything that we set out to do.

In the words of His Highness Sheikh Mohammed Bin Rashid Al Maktoum, Vice-President and Prime Minister of the UAE and Ruler of Dubai:

“Those who neglect the new will remain at the back of the line; those who wait for luck to make things happen will be disappointed; those who let time manage their affairs will discover that time is a friend to those who work and take initiatives, but an enemy to those who depend on others and grow lazy.”

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Emaar Final

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