Be Different. Make a Difference.

The world presents an assortment of needs and portrays countless opportunities for individuals to reach out to the community. If giving

back is treated as priority, the avenues are endless.

KEF Holdings builds sustainable businesses that improve the quality of life of people and societies. We make sure that we build inclusive, honest and mutually beneficial relationships with our stakeholders - individuals and communities who are impacted by our business or who have the ability to impact our business. We believe that these relationships are critical to our business success. We engage with our

stakeholders to understand their values, needs and interests. We then ensure those values, needs and interests are addressed in our internal decision-making and project execution processes.For this reason, KEF Holdings along with the Faizal & Shabana Foundation work closely with strategic partners in the overarching goal of constructively influencing the lives of people by being different and making a difference.

There are many problems that cannot be solved by merely providing funds, it requires sitting with the people, understanding the barriers they face, and deriving the best solutions. We believe that this is where the community requires us most, to form strategies and to bring innovative ideas to remove their biggest barriers.

The smile that our efforts bring to their faces is always the perfect measure of our true achievement.

Faizal & Shabana Kottikollon

Touching lives to bring back a smile

Incorporated in Singapore and headquartered in DIFC, Dubai with six business verticals – Infrastructure, Healthcare, Agriculture, Education, Investments and Metals – KEF Holdings operates with the Faizal and Shabana Foundation at its heart with a vision to grow the business constructively to make a difference to society at large.

KEF Holdings

Our leadership team inspires:

Teamwork: Provides a platform to promote individual growth as much as it promotes a culture of team work.

Responsibility: Invites responsible and accountable actions.

Foresight: Infuses long-term planning and motivates the continuous acquisition of knowledge.

Innovation: Facilitates an atmosphere of infectious enthusiasm that readily encourages innovation and imagination in every team member.

Dedication: Proactively leverages opportunities and encourages persistent efforts to overcome possible challenges.

Implementation: Encourages progress towards goals, closely monitoring performance with metrics.

KEF LEADERSHIP

A leadership committed to integrity & excellenceWorking together with the Board of directors, our leadership team ensures excellent organizational performance. The team is constituted by the heads of each business vertical and commits to operating with utmost integrity in building and leading the organization.

Winners Work HereThe essence of KEF is its people. We believe in the strength of teamwork and provide a platform that inspires innovation, ignites imagination and motivates our team to remain accountable and performance driven. At KEF, we have an employee-centric culture built on innovation, professionalism and transparency, where people are challenged constantly and are given the opportunity to develop themselves continuously.

PEOPLE

Our values are shaped around integrity, excellence, innovation and humility to create an extraordinary workplace. The core values that bind us are:

Innovation: We bring unique solutions to the problems we solve

Humility: We enjoy working collaboratively and care about people and the environment we live in.

Integrity: We build relationships based on transparency, trust and mutual respect.

Excellence: We pave the way for people and societies to excel.

Opportunities based on professional competence

We see our ability to understand, adapt and operate in a multicultural world as crucial advantages to sustain-ing a long-term and successful business presence in the global marketplace. Having people that reflect the communities we serve enables us to connect well with our consumers. Hiring, employment or promotion at KEF Holdings is strictly based on professional compe-tence. Discrimination of any kind is strictly forbidden, including any bias based on race, color, religion, veter-

an status, national origin, ancestry, pregnancy status, sex, age, marital status, physical disability, medical condition, sexual orientation or any other characteris-tics protected by law. We place particular emphasis on providing equal opportunities for women. We strive to create an enabling work environment that provides all our associates with equal access to information, devel-opment and opportunity.

The community and the audience we serve are diverse – a culture that we wish to foster at our workplace. By building an inclusive workplace environment, we seek to leverage the different skills, perspectives and ideas of our people.

DIVERSITY

Collaborating for solutions

We have always shared a mutually beneficial relationship with our partners and work collaboratively to grow together. Our partnerships are fruitful and have played a key role in our growth and profitability, and most importantly, in fulfilling our objective of bettering human lives. Our partners add value to

us by bringing in state-of-the-art technology and industry best practices, enabling us to offer unique business solutions. We continue to build relationships with companies that complement us and enable us to deploy stronger business solutions to our customers around the world.

In our endeavour to adopt technological innovations, sustainable living models and effective operational frameworks, we collaborate with the best and associate with eminence in respective sectors.

PARTNERSHIP

Innovating to deliver excellence

Complacency is not a trade KEF practices. This is why we cultivate a workplace environment for continuous improvement, innovation and initiative. When we venture into a project in any vertical, we do extensive research on the variety of approaches for tackling the challenges faced and derive the best possible solution drawing attributes from existing established models and pathways and remoulding it with our out-of-the-box thinking and research to create the best possible standards for solving the problem.

This out-of-the-box problem-solving approach is built around a culture that inspires creativity, and seeds and cultivates innovation, as instilled by our leadership team. Since new ideas spur even more new ideas, KEF sees effective networks as a means for generating a cycle of innovation. KEF’s leadership team provides collaborative platforms for interaction among people with different traits of knowledge and different approaches for tackling problems to cross-fertilize ideas and sustain innovative thought process.

Leading effectively, working collaboratively and driving innovation sets the tone of KEF’s business philosophy.

APPROACH

Global FocusUSAWorking with eminent physicians, medical technology experts & thought leaders in Cleveland Clinic, to build a care delivery model engineered for results.

PRESENCE

IRELANDCollaborating for technology in pre-fabricated and modular units.

GERMANYPartnering with global leaders in construction technology and Robotics.

SINGAPOREIncorporated with strategic support for all business verticals.

INDIA• A world class industrial park for integrated

off-site manufacturing for construction in Krishnagiri, Tamil Nadu

• State of the art tertiary care hospital in Calicut, Kerala

• A high tech, self sustained, organic farm and eco -system

• Promoting government schools to international standards through multiple interventions

FINLANDPartnering with global leaders in precast technology, machinery, equipments and services.

U.A.EHeadquartered at Dubai International Financial Centre (DIFC).

AUSTRALIACollaborating to innovate and industrialize healthcare infrastructure

ITALYTechnology transfer for woodworking and Aluminum and Glazing.

At KEF, we are constantly building a team of exceptional people with breakthrough innovations, resourcing the future.

BUSINESS

Shaping innovative businesses to create a better world

In a world deprived of basics in education, healthcare, employment and infrastructure, there exists a huge opportunity for responsible companies to contribute to the growth and development of communities.

We aspire to leave our mark by transforming lives and continuously evolve to bring together world-class design, expertise, technology and innovation through projects that are second to none when it comes to the quality of implementation – be it the cost, durability, time, technology, sustainability or the impact it has on society.

We believe in being trend-setters that transform the industries we venture into, through our mission to ‘Be Different. Make a Difference’.

Affordable education & healthcare for everyone

We strive to bring pathbreaking reforms in the construction of essential infrastructure such as hospitals, medical centers, engineering colleges and R&D facilities. Our ultimate goal is to make quality education and healthcare affordable for everyone. Any gaps in accessibility to infrastructure can compromise the efficient functioning of vital sectors, especially healthcare and education. This in turn, would impact society negatively. KEF’s priority is to address such gaps in infrastructure related to the healthcare and educational sectors.

India requires an additional 3 million hospital beds to close its healthcare infrastructure gap and meet

the global average of 3 beds for every 1,000 people from its current state of less than 1 bed per 1,000 people. It then became obvious for us that there is an immense need for a system of rapid delivery of affordable healthcare facilities utilizing repeatable modular elements designed and constructed at an industrial scale. KEF’s priority is to address such gaps in infrastructure related to the healthcare and educational sectors. We strive to bring pathbreaking reforms in the construction of essential infrastructure such as educational infrastructure, hospitals, medical centers, and R&D facilities. Our ultimate goal is to make quality education and healthcare affordable for everyone.

Factors such as increasing labor constraints, long build times and growing material expenses have put the costs associated with the construction industry on a steep incline. Moreover, there is growing uncertainty in the built quality and delivery time for any construction project, which are dependent on climate, labor availability, material accessibility and regulatory approvals.

FOCUS AREAS

INFRASTRUCTURE

KEF Infra was founded on the belief that the construction industry needs an approach that is engineered to be safe, cost-effective, agile and sustainable, while meeting global standards. KEF infra envisions bringing economic viability to the sectors of healthcare, education, housing and commercial by reducing construction time, and reducing cost by conserving resources and improving quality.

KEF Infra

SHAPING THE FUTURE

A world-class facility in a 650,000 sq. ft. campus

As a first step towards industrialization KEF laid the cornerstone for the KEF Industrial Park, in Krishnagiri, Tamil Nadu, with a vision to leverage the world’s best technologies in construction industry in the Indian Sub-continent. Through this state-of-the-art platform, KEF aims to provide its customers with the complete experience of

design to build infrastructure development – precast, prefabricated bathrooms, modular MEP, joinery and fit out, and aluminum and glazing – all in line on a 650,000 sq. ft. campus. KEF aims to start similar industrial parks across India.

Revolutionizing the construction industry, the KEF Industrial Park brings a world-class, fully integrated, off-site construction facility to bridge the gap of cost, time, resource and quality that presently constrain the sector.

Design to Manufacture buildings off-site

KEF Infra aims to deliver an extensive range of off-site precast and prefabrication units utilizing its sophisticated capabilities for manufacturing manufacturing buildings for educational infrastructure, medical facilities ,hotels,residential apartments and villas and commercial buildings. Its fabrication unit contains technologically advanced machineries and material handling equipment capable of taking huge volumes of work for demanding projects of any size. The streamlined and logical sequential process that it follows ensures assembly of different components in time and in place through team benchmarking systems, with active process control for high standards of quality and cost control in line with regulatory compliances.

Modularization achieved with prefabrication minimizes project management hassles while maximizing construction quality, especially for large construction programs. Through its industrial parks, KEF Infra wishes to collaborate with the community to reduce waste and pollution, share resources, provide opportunities for job creation and help achieve sustainable development.

The concept of off-site construction of modules like Modular Hospitals and Bathroom pods for installation at the appropriate stages of a construction project is not only more practical, but has wider cost and time-saving implications.

PrecastBy shifting base from an on-site model to a factory construction model, precast presents an industrialized way to build. Providing improved productivity, enhanced quality and shortened construction time, precast concrete brings considerable reduction to the total construction costs. The consistent high quality achieved with construction in a controlled environment lowers the total lifetime costs in comparison to other building solutions. For example, precast minimizes

structural and façade maintenance needs for years. With precast, the logistics needs are also minimal, with delivery vehicle required for only the ready-to-install precast floors, walls, frames and foundations, instead of the usual innumerable transfers required back and forth for all raw materials. Installed with the state-of-the-art equipment, KEF’s precast unit produces hollow core slabs, beams, columns, wall panels and staircases.

Graphic concrete™ was developed to build a better environment by industrializing the production of large-scale concrete surfaces using technology that enables architects to create visually creative designs on prefabricated concrete. It gives architects and designers a novel way to design and use patterned concrete surfaces. The patented technology, graphic concrete™ is based on the innovation of interior architect Samuli Naamanka.

With this technology KEF Infra aims at efficiently producing “industrial architecture”, to enable creation of stylish and unique concrete surfaces. Architects can use graphic concrete™ designs for precast facades, sound barriers, partition walls, building parts, slabs and precast floors are all examples of design areas where the innovative technology of graphic concrete™ are in use.

The fundamental idea of graphic concrete™ technology is the application of a surface retarder onto the surface of a special membrane against which a precast element is cast. Architects can be creative with these very simple tools in order to achieve very different surfaces on concrete by altering the aggregate, pigmenting the concrete mass and, most importantly, by giving the concrete surface different pattern designs or printing images. The end result is a patterned, smooth or completely exposed surface.

Graphic Concrete

In traditional construction, a multitude of trades require to come together to realize a bathroom design. There is a need for high degree of supervision and on-site management to ensure correct sequencing and quality of work from plumbers, electricians, tilers, floor layers, sealant applicators, decorators, glaziers, carpenters and other specialists. These interdependencies places bathrooms as a bottleneck to any building construction; thereby an ideal candidate for prefabrication.

Modular bathrooms or bathroom pods that are seeing vast adoption globally do away with most of the issues faced by site-constructed bathrooms. The concept of off-site construction of pods for installation at the appropriate stage of the construction project not only makes it more practical, but also brings in wider cost and time implications which, in fact, have been the most draining problem.

The bathroom pod unit designs, manufactures, delivers, installs and commissions fully completed bathrooms. Assembled under controlled factory conditions, bathrooms are produced by an efficient multi-skilled workforce, enabling precise program achievement, conformance to specifications, enhanced quality assurance and production within fixed costs. Significant savings on preliminaries are also achieved through reduced material storage and logistics, less waste generation, minimal rework and limited supervision requirements. With greatly improved health and safety performance, early project completion and subsequent revenue flow, the off-site solution is ideal for fast-track construction.

Prefabricated Bathroom Pods and Modular MEP

Why use Modular Bathrooms?Faster to Build:Made off-site so the process of building is much faster.

Economic:They are mostly separated in parts which can go through any standard door opening without any problems. Construction goes smoothly without delays and is more cost effective.

Higher in Quality:Premeditated factory conditions allow fast and thorough check of the final product like waterproofing.

Easy to Assemble:Electric and plumbing works being intact, assembly process requires no special training.

Joinery and Fit Out

KEF’s state-of-the-art joinery and fit out specializes in the design, manufacture and installation of high quality doors, furniture, cabinets and fit-out works. The benchmark team with expertise in assembly techniques are equipped with the latest tooling required to carry out operations to the highest possible standard. The highly automated joinery and fit out is equipped with machinery from Germany and Italy.

Aluminum and GlazingThe aluminum and glazing unit specializes in the design, manufacture and assembly of architectural metal cladding, sliding windows and doors, skylights, aluminum screens and partitions, glazed hand railings, stainless steel architectural work and façade lighting. The glazing work is highly in demand in the construction industry and is appreciated for its long life and perfect finish. It is installed by our team of experts taking utmost care for its fine finish and seamless edges. We make use of latest technology and efficient machine/tools in executing the project within the stipulated frame of time.

KEF Health works with strategic partners such as Cleveland Clinic and TAHPI to provide the following Healthcare infrastructure development via large scale manufacturing, installation and assembly of high quality and affordable hospital units off-site. Clinical care to reduce variability, and consistently improve efficiencies of outcomes at a lower cost through designing optimal, evidence-based care paths. Cutting edge, disruptive healthcare technologies to support the delivery of effective and affordable healthcare to everyone, including the underserved segments of society.

KEF Health

BRINGING REVOLUTIONARY CHANGES TO THE HEALTHCARE INDUSTRY

Improved patient experience through technology

CARE MODEL

Evidence-based care pathways:Planned around a culture of clinical excellence, doctors and hospitals will use technology and proven guidelines to deliver care that is appropriate and effective. This, in turn, will serve to reduce variability and consistently improve efficiency of outcomes.

Patient experience:This guideline ensures comprehensive care coordination that will allow patients to receive the best medical attention while reducing possibilities of inappropriate hospitalization and unnecessary emergency room visits. Patient experience will also be enhanced through influencing decisions about the built environment and facility design, based on credible research evidences.

Physician engagement model: Set as an Accountable Care Organization (ACO), the system is designed to integrate doctors with other members of the healthcare system and will reward them for controlling costs and improving quality. The system comprises physicians, nurses and other experts who will work together to translate the philosophy of ‘better, lower cost and faster’ into everyday practice. The doctors will be made accountable for the outcomes and expenditures

of their assigned teams and will be tasked with collaboratively improving care to reach cost and quality targets set. The robust processes will increasingly reduce the need for star doctors. The ACO system will also personalizes treatment by ensuring the right medication, depending upon the degree of ailment, patient physique and immunity, and will ensure better health and faster recovery.

Outcome measures:By establishing real-time performance measures, the outcome factors – such as patient satisfaction ratings and waiting time – would be established and subsequently measured and shared when the hospital is opened to the public. High-end technology will be used for tracking performance by setting up executive dashboards, analyzers (for hospital performance, physician variability, labor productivity and resource utilization) and impact trackers (to support change initiatives and prevent stagnation). A training base at the hospital will bridge gaps in skills and ensure knowledge development, bringing the team of doctors and staff up-to-date with the latest technology breakthroughs and advancements in medical science. Services will be streamlined across the network, with multi-specialty teams using system-wide resources to deliver the right care, at the right place, in the right time.

The KEF Care Model is based on a three-pronged approach, as follows:

Bringing Modular Infrastructure to HealthcareRecent years have seen revolutionary changes sweeping across the healthcare infrastructure development sector, with the emergence of large-scale manufacturing, installation and assembly of high quality, affordable hospital units off-site. In developed markets, modular construction is fast replacing one-off design and conventional healthcare construction methodologies.

With modular healthcare construction, KEF Health expects to turnaround the economies in the healthcare sector, enabling a

system of rapid delivery of affordable healthcare facilities. The KEF - TAHPI Modular Healthcare joint venture is focused on achieving a breakthrough on a large scale for the off-site manufacturing, installation and assembly of high quality and affordable healthcare facilities, gradually replacing one-off design and conventional construction.

The KEF-TAHPI Modular Healthcare venture will aim to bring down the cost for healthcare infrastructure in the UAE and India by:

• Designing healthcare facilities using soft modular design techniques utilizing ready- made and repeatable design components, complying with all relevant, codes and guidelines

• Constructing the “hard modular” components required for the rapid assembly, completion and commissioning of healthcare facilities

• Converting designs submitted by clients into modular designs, capable of construction utilizing hard modular elements

• Utilizing large-scale production techniques including assembly lines, prefabrication both in a variety of materials such as concrete, steel, panelized systems etc

• Establishing a design studio in Dubai to prepare a set of standard designs within a catalogue. The KEF-TAHPI design studio will include the following technical disciplines:

• Architectural/Health Planning

• Medical Equipment Planning

• MEP (Mechanical/Electrical/Plumbing) Engineering

• Structural/Civil Engineering

• Other Sub Consultancies

The different aspects of design-to-build include:

Soft Modular Design Techniques• Ready-made, replicable design components

• Compliance with relevant codes and guidelines

Hard Modular Design Components• Rapid assembly

• Completion

• Commissioning

Design Conversion• Convert designs from clients to hard modular units

Large-scale Production Techniques• Assembly line

• Prefabrication on a variety of materials like concrete, steel,

panelized systems

Design Studio• Architectural / health planning

• Medical equipment planning

• MEP engineering

• Structural / civil engineering

• Other consultancies

HEALTH DESIGN TO BUILD

A unique aspect of KEF Agri’s model is its focus on the economic development of the farmers with whom we work. We will encourage the concept of organic farming by eliminating pesticides and chemical fertilizers thereby ensuring high quality certified organic product. This platform relieves the farmers of the upfront cost of seeds and other inputs and also ensures a high-quality, certified organic product. By providing continuing education and research and development in organic farming methods and promoting sustainable technologies, KEF will make a marked difference in the lives of Indian farmers.

KEF Agri

CREATING A MODEL FOR SUSTAINABLE AGRICULTURE

The KEF Organic Farm

The KEF Organic Farm will be a fully integrated farm that will cultivate over 129 varieties of produce. The farm will include high-tech processes and techniques such as climate controlled technologies for year-round produce, vertical farming including 40 meter biosphere, greenhouses, an R&D and education center that will be open to the public and a road network accessible only by battery operated vehicles. The aim of the farm is to be a self-sustained pilot project, fuelled by solar technology, and equipped with rainwater harvesting facilities. The farm will house all components required for restoring harmony with nature in the form of fruit and vegetable production, dairy farming, poultry farming, bee farming, aquaculture, mushroom production, permaculture, soil management, hydro-culture and farmer inhabitation. The farm will foster recycling of resources, even while promoting ecological balance and conserving

biodiversity. The farm practices certain food production techniques such as integrated pest management (IPM), vertical gardening, crop rotation, use of green manure, soil integrity methods and compost production, biodiversity, natural plant fertilization, water harvesting and water management, terraced planting and usage of limited land resources as well as applying sustainable postharvest handling methods. KEF Agri will conduct its processing at its unit in Mangalore. The facility will be equipped with state-of-the-art machinery such as Natural Fumigation Systems and steam sterilization units. Along with the latest machinery, we will implement HACCP standards into the facility for high-quality specialized organic food processing.

KEF Organic Farm is a fully integrated, high-tech, self-sustainable, organic ecosystem that will work in harmony with nature and help local farmers address many operational challenges.

ORGANIC FARM

KEF Agri will conduct frequent inspections and residue testing to ensure integrity of the organic products from farm to market. All of our facilities are designed to be 100% organic certified and in line with organic standard compliances prevailing worldwide. The facility will implement a food safety management system including HACCP, GMP+ and will be credited with BRC A grade.

The farm strictly conforms to quality control and organic standards which will be reflected on the certification (GAP, EUROGAP, GLOBAL GAP) of the produce from inside the farm and also sourced from the farmers. The postharvest and packaging facility is also certified. The food processing unit will allow KEF Agri to provide products of the highest quality in compliance with international standards and customer requirements.

The KEF organic farm has a built-in centre for education. The centre provides the local farmer community with knowledge on modern organic farming methodologies and techniques, as well as global best practices. The farmers will be trained to integrate various green methodologies such as bio-manures, bio-pesticides and composting methods. Methods like own farm input production by utilizing locally available herbs for fertility and pest management, promoting the farming of low water consumption crops, and techniques like drip irrigation and rainwater harvesting will equip them with the means to harvest twice as many crops annually. This shift will significantly improve the economic viability of the local farms and the well-being of farm families. The center will also serve as a platform for knowledge and experience sharing. Farmers will have access to experts who will listen to their challenges and help them improve crop yield and revenue.

Families can visit and see the fully integrated, high-tech, sustainable, organic ecosystem at work. Tours can be conducted to educate people and future generations on the functioning of the farm and holistic benefits that organic food and sustainability can achieve.

Designed to provide the highest quality

A platform for knowledge & experience sharing

Education sector has always remained a key area of focus for KEF and is on the path to revolutionize the sector by driving innovative programs that will develop leaders, fuel innovation, empower girls and women, inspire the youth and promote community engagement. The application of KEF’s modular solutions will also transform the process of infrastructure creation in this sector.

KEF Education

REVOLUTIONIZING EDUCATIONTHROUGH INNOVATIVE PROGRAMS

Fostering sustenance by recycling metalsEstablished in 1995, Al Ahamadi General Trading (AGT), was formed to tap into the vast business opportunities in the reclaimed metal industry.

Al Ahamadi General Trading (AGT) was established in 1995 for the recycling of metals and is now one of the largest ferrous and non-ferrous metal recycling companies in the Middle East. AGT also ranks among the top five companies in the metal recycling industry in the UAE.

AGT has a widespread network of international procurement and sourcing, which helps it meet the

growing demands for scrap metal across various industries especially in the Middle East and the Indian subcontinent. Its unparalleled logistical efficiency with a vast fleet of dedicated vehicles preps it up for delivering globally, within tight timescales – by rail, containers or vessels. Together with its financial and logistical partners, AGT has currently set ambitious and aggressive expansion plans to capture the global market potential.

METALS

A global investment pool to positively impact mankindKEF’s investment arm is working with various banks and institutions from around the world such as Citibank, Credit Suisse, UBS, Standard Chartered Bank, HSBC, DBS, Barclays, Bank Safra Sarasin, Coutts, State Bank of Travancore to name a few.By capitalizing on low risk, high income opportunities in rising markets, KEF Investment ensures superior returns for the holdings, while retaining a long term perspective on how the investments can positively impact mankind.

KEF Investment has a global investment pool that comprises fixed income assets including bonds, bond funds, deposits

and perpetual bonds across the US, Europe, GCC, South East Asia and India. We also have a diversified equity portfolio spread across the US, India, the UK, Europe, Korea, China, Japan and some private equity assets in the GCC region and the US. Our approach to equities continues to be through value-oriented, fundamental research and disciplined portfolio management.

KEF INVESTMENTS

Practices that promote sustainable growthKEF integrates health, safety and environmental considerations into all aspects of its business. It protects the interests of employees, communities and the environment by adopting practices that promote sustainable growth and accelerated productivity.

In line with our goal of achieving sustainability, we produce goods and services that are safe and healthy for the consumers and environment. We also aim to achieve resource efficiency, cost reduction, customer friendliness and environment sustainability for the company in the long run. We do this by leveraging technology and research expertise. We educate our target segments on the usage and advantages of eco-friendly and efficient products, processes and services.

Environment Friendliness:We leverage green technologies, processes and standards to produce goods and services that contribute to social and environment sustainability. Reducing wastefulness and pollution will always be our priority. Whenever possible, we minimize travel and choose video or teleconferencing options, if available and acceptable, for the business engagement.

Health and Safety:We promote the welfare of employees, labor (temporary or contractual), customers and the wider community by addressing all aspects of safety, security and health. We stringently follow all necessary checks and safety procedures within our facilities.

Resource Efficiency:We make efficient use of resources and operate in a way that minimizes environmental impact. We strive to use natural resources responsibly, and adopt adequate controls to reduce carbon emissions and industrial waste.

Recycling and Waste Management:We avoid creating waste, and endeavor to recycle all that we can. We also use recycled material, whenever it is possible to source the same locally. We provide due consideration to the environment before printing e-mails, email attachments or other working documents. We value water and resort to measures to conserve and reduce its wastage.

SUSTAINABLE OPPORTUNITIES

GUIDELINES & POLICIES

Promoting excellence through transparent & ethical practicesKEF believes in moving beyond the commercial objectives of a business and doing something for the betterment of society.To achieve KEF’s vision of serving people, it is vital to promote excellence and transformation in business processes. Our commitment to corporate citizenship centers on assuming an active role as a designer or co-designer in projects for education upgrade, healthcare enhancement and ecological sustainability. These guidelines help us to ensure that our contributions are carried out transparently and ethically.

Our key corporate citizenship guidelines are:Sustainability:We strive to implement projects we take up from a long-term perspective. Regular assessment of our activities are conducted to scrutinize, verify and measure their performance with respect to their goals.

Involvement:Our criteria for selecting projects mainly focus on the ones where we can have active involvement and participation in the process for achieving goals.

Development:We contribute to inclusive growth and equitable development of the society through capacity building measures and empowerment of the marginalized and the underprivileged.

Efficiency:We adopt the most efficient and effective methodologies for executing projects, and focus on eliminating resource wastage and utilizes reuse and recycling opportunities.

Transparency:We encourage transparency in all activities, dealings and transactions.

Ethics:We promote integrity by encouraging individual probity. Unethical, corrupt and anti-competition practices are discouraged. Temptation of quick returns and marginal gains in business through questionable means are resisted.

Building sustainable solutions through community involvement

Very often, sustainable solutions to problems can be found from within society itself. This approach eliminates dependencies, instils a sense of purpose and belonging and reduces costs.Sustainability can be achieved by working out remedies for business problems in collaboration with the community. Involving the wider community brings in a sense of belonging and ownership towards achieving the objective. This, in turn,

enhances quality as there is a certain level of commitment and sincerity in the efforts taken. Solutions sourced from the within neighborhood are also cost-effective and more dependable with respect to resource availability.

HOMETOWN SOLUTIONS

Giving to create impact

In 2007, inspired by the desire to contribute to society, the founders of the KEF Holdings laid the cornerstone for the Faizal and Shabana Foundation. The Foundation has set its vision as ‘Giving to Create Impact’ while specifically focusing on women, children and youth.The Faizal and Shabana Foundation has since been involved in many philanthropic projects globally. Its current focus is in India, with sectors that include healthcare, education, housing, sustainable living, humanitarian assistance and sports. The Foundation believes that education is the key to uplifting society, and is therefore actively involved in nurturing future generations with its flagship project of Promoting Regional Schools to International Standards through Multiple Interventions (PRISM). Achieving success with its implementation of PRISM in the school GVHSS Nadakkavu, the Foundation is resolved to carry this wave of social transformation to other schools across the state of Kerala through its ‘Mission 100’ program. The

Faizal & Shabana Foundation aims to do more than simply write cheques for charity projects. While funding such causes is a key duty of the Foundation, the organization sees prudence in holistically involve itself in charitable projects it associates with. This is done by drawing upon the strength of its various stakeholders, including its sister organization KEF Holdings and its partners, who contribute their project management expertise, labor and technological know- through different stages of the project. This would involve evaluating the need of a specific situation, weighing various solution options, working towards implementing the best possible solution and ensuring that the benefits reach the people and community.

FOUNDATION

A girls’ school in Kozhikode, Kerala (the Southernmost State in India) catering mostly to children from the lower rungs of the society was once like any other Government school – lacking the basic facilities like proper classrooms, toilets and no play spaces; low levels of motivation of teachers, school drop outs, and the worst decreasing trends in admissions. All these has changed with Project PRISM – Promoting Regional Schools to International Standards through Multiple Interventions which was initiated in 2008 by the local MLA (Member of Legislative Assembly) Mr. Pradeep Kumar and the involvement of Faizal and Shabana Foundation. With the leading role that the Faizal and Shabana Foundation has played since 2012, the Nadakkavu School has truly transformed to international standards. Today the school caters to over 2,400 girl students and the transformation in academic and co-curricular activities are visible. Last year there was an increase in 200 to 300% in all A+ grades at the graduating classes (10th and 12th standards).

All of these was recognized by the School Ranking 2014 which is done annually by the Education World magazine. The Government Vocational Higher Secondary School for Girls, Nadakkavu, Kozhikode has been rated among the top 5 Governments Schools of the Country. In a glittering ceremony held at The Lalit, New Delhi the award was received by the Principal of the School, Mr. Saseendaran and Dr. Joseph Sebastian, Head of the Faizal and Shabana Foundation. The organizers shared that his was an exemplary model for

up-gradation of the Government Schools in the country. This model has show-cased the possibility of an elected people’s representative and a corporate house through its philanthropic initiatives joining hands with a common dream of giving the best to the students. These students who otherwise may not be able to get these opportunities and thereby not able to reach to the potential they are capable off.

What the Faizal and Shabana Foundation through Project PRISM at Nadakkavu School, now known as the Nadakkavu Model, has proved is that even in a Government set up change is possible and they can achieve the best. The overall focus of the project is to bring about holistic change at the school level and motivate the children to aspire high.

For this the project provides training to teachers, special coaching for students to attain top grades and those who are lagging behind to do better. The Foundation is committed to the School achieving at least 30% of its students passing the 12th standard pursuing professional courses, in the next three years. For this the students are provided with entrance coaching during the vacations.

Their also discussions going on with the Government of Kerala to replicate the model in 100 more Schools – christened as Mission 100. This is a model on the lines of Nadakkavu success story.

Transforming generations through superior education

Believing in the strength of synergies Lighting a billion lives:Providing sustainable energy to all citizens of the world is today a key challenge. Clean and affordable energy is elementary for eradicating extreme poverty and hunger, achieving universal primary education, promoting gender equality, empowering women, reducing child mortality, and improving maternal health.

The task is massive but can be achieved through the TERI initiative – ‘Light A Billion Lives’ campaign created by the Nobel Prize winner Dr Rajendra Pachauri. The campaign aims at replacing kerosene lanterns in the less privileged villages of India with the environment-friendly alternative of solar lights. The support provided by the Foundation has enabled the campaign to benefit more than 65 villages spread across Orissa, Karnataka and Andhra Pradesh, impacting around 16,000 lives.

Securing the elderly:It is our duty to care for our elders responsibly, to treat them with dignity, and to provide them with the highest level of care possible. Assisted living homes provide housing and care for seniors who require help with day-to-day living. The Foundation towards this purpose provided support for ‘Athani’, the Care and Caress Society that will provide food and shelter for over a 100 destitute homeless and aged woman in Kannur, Kerala.

Promoting research and learning:Through the Foundation, the study and research of Precast Construction Technology in the Civil Engineering Department of Manipal Institute of Technology was funded. The Foundation

will build the physical infrastructure required to promote, enhance, research and evolve the technology of precast design and engineering used in the construction sector of India.

Encouraging with Scholarships:Shabana & Faizal Scholarship at the American University of Sharjah is marked for outstanding students requiring financial assistance and permits them to avail premium education at the American University of Sharjah. The scholarship was instituted to realize the vision of the Founder of the University, His Highness Dr. Sheikh Sultan Bin Mohammed Al Qassimi, UAE Supreme Council Member and Ruler of Sharjah.

Catering to the needs of autistic children:The experiences and observations gained through the Foundation’s outreach and extension programs such as regular community visits, surveys, screening camps, workshops and other social programs indicated the limited facilities that Kerala offers to autistic children. It was observed that for this reason many of the children with special needs were forced to settle along with their parents outside the state. Parents and children with special needs were also required to move from centre to centre due to the lack of trained faculty and other allied facilities under one roof.

This inspired the Foundation to set up the KE Safiya Autism Centre in Mahe, Kerala as a research based centre comprising a special needs school, as well as a vocational education and rehabilitation centre catering to the needs of autistic children to help them adapt to society.

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