Datin Tea, a Malaysian aged 61, is our Promoter, substantial shareholder and Executive Director. She was appointed to our Board on 1 October 2021 and is primarily responsible for the overall treasury functions of our Group.

Datin Tea obtained her ‘Sijil Pelajaran Malaysia’ in 1981 and a certificate of proficiency in bookkeeping from LCCI in 1983.

Datin Tea began her career in February 1984 as a General Clerk of a hardware retail company. In February 1987, she left the said hardware retail company and joined MIDF as an Account Executive. She left MIDF and joined MBF Holdings Berhad, a financial service provider in September 1993 as a General Admin Clerk.

In December 1995, she left MBF Holdings Berhad and co-founded Evergreen Credit Express with her spouse, Dato’ Low. In March 2022, both Datin Tea and Dato’ Low disposed their entire equity interests in Evergreen Credit Express.

In 2004, Datin Tea co-founded Insan Tiara with Dato’ Low in order to venture into the property development business. Subsequently in 2012, she co-founded PG Insan Tiara with Dato’ Low in order to venture into the pawnbroking business, which was consolidated into a single group under Trax Capital in 2017. In 2018, Datin Tea, through Trax Capital, incorporated Cahaya Gold to venture into the business of retail and trading of gold and luxury products.

Low Kai Loon, a Malaysian aged 30, is our Promoter and Executive Director. He was appointed to our Board on 25 April 2022 and is primarily responsible for our Group’s business development activities.

He graduated with a Bachelor of Science in Economics from Singapore Management University in 2016. After graduation, he joined the Trax Capital group of companies as a Corporate Relationship Manager where he was primarily responsible for managing the working relationships with various stakeholders such as suppliers, insurers, financial institutions and government agencies.

In March 2021, he was promoted to be an Executive Director of Trax Capital where he was primarily responsible for its business development activities, including opening of new “Pajaking” pawnshops and “Cahaya Gold” retail outlets as well as cash capital planning. Over the years, he has been instrumental in the growth and development of the Trax Capital group of companies, which include all of our subsidiaries. In addition, he was also the key liaison personnel with financial institutions for the credit facilities of the Trax Capital group of companies. After the Acquisitions, he joined our Company as the Director of Business Development in 2021 whereby he was primarily responsible for the development and implementation of our Group’s business plans and strategies as well as capital planning. In April 2022, he was promoted to be an Executive Director of our Company.

Sing Suk Fuen, a Malaysian aged 47, is our Group’s Chief Executive Officer and is primarily responsible for managing our Group’s overall day-to-day operations as well as the execution of our Group’s business strategies. In addition, she is also responsible for monitoring our Group’s business performance as well as reporting to our Executive Directors on key matters on a regular basis.

She obtained her ‘Sijil Pelajaran Malaysia’ in 1994 and obtained a Diploma in Accounting from LCCI in 1996.

She began her career in March 1995 as an Administrator of Kenobuild Sdn Bhd, a construction company, where she was primarily responsible for its administrative functions. In March 1998, she left Kenobuild Sdn Bhd and joined Evergreen Credit Express as an Account Executive where she was primarily responsible for its financial reporting and management. Subsequently in 2004, she was promoted to Administration and Marketing Executive where she was primarily responsible for managing its administrative and marketing activities.

2008, she was transferred to a related company, Insan Tiara as Chief Operating Officer where she was primarily responsible for monitoring its day-to-day operations as well as acting as the key liaison personnel to various stakeholders such as government agencies and suppliers. She was subsequently transferred to our subsidiaries, namely PG Delta in 2010 and PG E Assets in 2012 as their Chief Operating Officer where she was primarily responsible for amongst others, government projects and overseeing the supply of goods.

In 2013, she was transferred back to Evergreen Credit Express as Chief Operating Officer where she was primarily responsible for overseeing the retail and supply of outdoor equipment and garments to hypermarkets and supermarkets such as Tesco, Carrefour, Giant and Billion. In 2020, she was transferred to Trax Capital, the former holding company of our subsidiaries, as Chief Executive Officer. Pursuant to the Acquisitions, she was transferred to our Company as our Group’s Chief Executive Officer in 2021.

Tan Chai Seong, a Malaysian aged 54, is our Group’s Chief Operating Officer and is primarily responsible for monitoring the overall day-to-day operations of our businesses as well as the security of our pawnbroking, and gold and luxury products retail and trading businesses.

He started his career in December 1987 as an apprentice under a goldsmith where he learnt the skills of making gold jewelleries and other gold products.

In November 1989, he joined Pajak Gadai Thong Heng Sdn Bhd, a pawnshop, as an Administrative Assistant where he was primarily responsible for managing the documentation required for the day-to-day operations of the company.

In June 2005, he left Pajak Gadai Thong Heng Sdn Bhd and joined Pajak Gadai Rakyat Sdn Bhd, a pawnshop, as an Operation Assistant where he was primarily responsible for performing pawnbroking services such as evaluation of pledged items, calculation of pawn loans as well as safekeeping of the pawn customers’ pledged items.

In March 2012, he left Pajak Gadai Rakyat Sdn Bhd and joined our subsidiary, PG Insan Tiara as a Manager where he was primarily responsible for overseeing the company’s dayto- day operations and marketing activities. In 2020, he was promoted as the Chief Operating Officer of Trax Capital, the former holding company of our subsidiaries. Pursuant to the Acquisitions, he was transferred to our Company as our Group’s Chief Operating Officer in 2021.

Hee Chee Keong, a Malaysian, aged 52 is our Group’s Chief Financial Officer and is primarily responsible for planning, managing and implementation of our Group’s accounting functions and corporate exercises as well as overseeing our Group’s investor relations activities.

He obtained his Diploma in Accounting from LCCI in 1992. In 2000, he completed his Association of Chartered Certified Accountants (“ACCA”) and was subsequently admitted as a member and Fellow in 2003 and 2008 respectively. He is also a member of the MIA since 2001.

After obtaining his Diploma in Accounting, he began his career as a teacher in Practical Business Tutorial Centre in Kluang, Johor in 1992. In March 1993, he joined SK Tee & Co, an audit firm as an Audit Assistant. He left the audit firm in December 1995 and joined Indahtex Sdn Bhd, which is principally involved in garment manufacturing, as an Accounts and Administrative Manager in 1996.

In May 2000, he joined Wayang Tinggi Production Sdn Bhd, which is principally involved in entertainment and restaurant businesses, as an Accountant. He left the company in September 2003 and joined Pancaran Ikrab Berhad, a company that was formerly listed on the Second Board (now known as the Main Market) of Bursa Securities, as an Accountant where he was mainly responsible for its accounting functions as well as its corporate restructuring exercise.

He left Pancaran Ikrab Berhad in December 2004 and joined Global Soft (MSC) Berhad, a company listed on the ACE Market of Bursa Securities as the Finance Director where he was primarily responsible for its financial reporting and planning as well as fundraising exercises. In 2009, he was appointed as a Non-Independent Non-Executive Director of Global Soft (MSC) Berhad. He resigned from this position in June 2013.

In June 2013, he joined Apple Green Holding, Inc., which is principally involved in the manufacturing of green energy products, as the Chief Financial Officer where he was primarily responsible for overseeing its investment and fundraising activities.

He left Apple Green Holding, Inc. in May 2014 and joined Galasys Plc, which is principally involved in providing IT solutions for theme parks, as the Chief Financial Officer where he was primarily responsible for overseeing its financial reporting and planning.

In September 2017, he left Galasys Plc and was appointed as an Independent Director of GreenPro Capital Corp, which is principally involved in the provision of corporate and business advisory services, and listed on the Nasdaq Stock Exchange. He resigned from this position in May 2019.

In January 2020, he was appointed as a consultant and corporate advisor for MPS Telecommunication Sdn Bhd, which is principally involved in trading of telecommunication products. In March 2022, he ceased his services to the company and joined our Company as the Head of Corporate Finance and was subsequently promoted to be our Chief Financial Officer in the same year.