KEY SENIOR MANAGEMENTS’ PROFILE CONT’D JEREMY LOW PENG HUI Group Head – Operations Malaysian Male 48 years old FRANCES CHOO Group Head – Products Malaysian Female 48 years old Jeremy Low Peng Hui, Group Head of the Operations division, joined e-pay (M) Sdn. Bhd. in August 2005 as an Assistant Accountant. By January 2011, he was promoted to Senior Manager for the Internal Control department. Throughout his tenure, Jeremy has gained valuable experience within the company, namely credit control, finance operations (procurement, payment processing, and merchant registration), internal control, technical support as well as customer service. When GHL Systems Berhad’s acquisition of e-pay took place in 2014, Jeremy commenced the role of Vice President of Operations, where his efforts for leading his team towards offering a seamless operational process that is best suited for all entities were recognised. On 1 January 2019, he was subsequently promoted to Group Head of Operations for GHL Systems Berhad. Jeremy graduated with a Bachelor of Business (Accounting) degree from the Royal Melbourne Institute of Technology (RMIT). Prior to joining e-pay (M) Sdn. Bhd., he served as a Senior Officer for the Credit Department in Star Cruises. Frances Choo joined GHL Systems Berhad on 1 December 2022 as the Group Head of Products. As the Group Head of Products, she is responsible for developing and managing a strategic portfolio of lending and payments solutions across the regions. Frances has more than 20 years of experience in both Legal Practice and Retail Banking. Prior to joining GHL, she was the Senior Vice President of AmBank Retail Banking, a leading Bank in Malaysia. She has vast experience in SMEs and secured lending business development, portfolio management and special projects including digital banking and innovation, alternate channels, new Basel model MFRS9. She holds a bachelor of LLB (Hons) from University of Wales, Cardiff and possesses a legal practicing certification in Malaysia. She also holds an MBA in Finance from University of Leicester, UK. CHONG KOK WAI Group Head - Legal, Compliance & Sustainability Malaysian Male 50 years old Chong Kok Wai joined GHL Systems Berhad as Group Head, Legal, Compliance & Sustainability on 2 March 2021. He holds a Bachelor of Laws (LL.B) (Hons) from University of London and was admitted to the Malaysian Bar in 2001. He is also an Associate Member of the Institute of Internal Auditors Malaysia (AIIA). He is also currently the Lead Secretariat in the CEO Action Network which is a closed-door peer-to peer informal network of CEOs and Board Members focusing on sustainability advocacy capacity building action and performance. Prior to joining GHL Systems Berhad, he was overseeing the area of Legal and Compliance in a reputable REIT as well as a registered Compliance Officer with the Securities Commission from 2016 to 2021. He was also a practising Advocate & Solicitor for 16 years specializing mainly in the areas of corporate banking litigation and conveyancing. He started his career in Standard Chartered Bank Malaysia Berhad in the Legal Credit Risk and Loss Prevention and was in charge of monitoring legal action against delinquent and charged off accounts including but not limited to implementation of credit policy and budget planning and was awarded the Best Customer Assistance Officer for the year 1998 during the Consumer Banking Conference. 42 GHL SYSTEMS BERHAD 199401007361 (293040-D)
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