Age: 63
Gender: Male
Nationality: Malaysian

Dato’ Low Kok Chuan is primarily responsible for shaping our Group’s overall strategic business direction and overseeing overall business operations.

Dato’ Low Kok Chuan obtained a Higher Stage Certificate in Accounting from the London Chamber of Commerce and Industry in 1983 as well as a Higher Stage Group Diploma in Accounting in 1984.

Dato’ Low Kok Chuan began his career in 1984 as an Internal Auditor at Malaysia Industrial Development Finance Berhad. In 1986, he left the organisation in order to pursue his entrepreneurship career. Between 1986 to 1995, he founded several retail and trading businesses, primarily focused on the trading of household and outdoor equipment products. Between 1996 to 2004, he was involved in the business of property development.

In 2012, Dato’ Low Kok Chuan, together with his spouse Datin Tea Guat Ngo, co-founded Pajak Gadai Insan Tiara Sdn. Bhd., a subsidiary of our Company, to spearhead their venture into the pawnbroking business. This marked the first inception of our Group’s “Pajaking” pawnshop in Sungai Besi, Kuala Lumpur.

Under Dato’ Low Kok Chuan’s stewardship and strong business acumen, our Group’s pawnbroking business has since grown significantly from one (1) “Pajaking” pawnshop in Kuala Lumpur to now an expanded network of 29 “Pajaking” pawnshops and 70 Islamic pawnshop outlets, providing pawnbroking under the Tawarruq in Kuala Lumpur, Selangor, Negeri Sembilan, Pahang, Perak, and Terengganu.

To complement our Group’s pawnbroking business, Dato’ Low Kok Chuan had incorporated Cahaya Gold & Jewellery Sdn. Bhd. in 2018 to venture into the business of gold and luxury products retail and trading. As of today, our Group has three (3) “Cahaya Gold” retail outlets in Kuala Lumpur, primarily involved in the business of retail sales of pre-owned and new gold products.

Dato’ Low Kok Chuan is the spouse of Datin Tea Guat Ngo, our Non-Independent Executive Director, as well as the father of Low Kai Loon, our Non-Independent Executive Director.

Dato’ Low Kok Chuan is also a director and major shareholder of Tirai Anggerik Sdn. Bhd., which is a major shareholder of our Company.

Dato’ Low Kok Chuan attended all five (5) Board meetings held during the financial year ended 31 December 2025.

Date of Appointment to the Board: 1 October 2021

Board Committee: Nil

Age: 63
Gender: Female
Nationality: Malaysian

Datin Tea Guat Ngo is primarily responsible for overseeing the overall treasury functions of our Group, which includes capital allocation and planning.

Datin Tea Guat Ngo began her career in 1984 as a general clerk. In 2012, Datin Tea Guat Ngo, together with her spouse, Dato’ Low Kok Chuan, co-founded Pajak Gadai Insan Tiara Sdn. Bhd., a subsidiary of our Company. This venture marked the beginning of our Group’s successful “Pajaking” pawnshop business. Their leadership has been instrumental in growing the “Pajaking” network to 29 “Pajaking” pawnshops and 70 Islamic pawnshop outlets to date, providing pawnbroking under the Tawarruq in Kuala Lumpur, Selangor, Negeri Sembilan, Pahang, Perak, and Terengganu.

Datin Tea Guat Ngo is the spouse of Dato’ Low Kok Chuan, our Non-Independent Executive Director/Group Managing Director, as well as the mother of Low Kai Loon, our Non-Independent Executive Director.

Datin Tea Guat Ngo is also a shareholder of Tirai Anggerik Sdn. Bhd., which is a major shareholder of our Company.

Datin Tea Guat Ngo attended all five (5) Board meetings held during the financial year ended 31 December 2025.

Date of Appointment to the Board: 1 October 2021

Board Committee: Nil

Age: 33
Gender: Male
Nationality: Malaysian

Low Kai Loon is primarily responsible for spearheading our Group’s business development activities, which includes spearheading market expansion and new revenue initiatives.

Low Kai Loon graduated with a Bachelor of Science in Economics from the Singapore Management University. Upon graduating in 2016, he joined Trax Capital Sdn. Bhd. as a Corporate Relationship Manager. In this role, he managed working relationships with the key stakeholders, including suppliers, financial institutions, insurers and government agencies.

In 2021, Low Kai Loon became the Director of Business Development of our Company. He was primarily responsible for spearheading our Group’s business development activities such as overseeing the setting up and expansion of our Group’s “Pajaking” pawnshops and “Cahaya Gold” retail outlets. He is also the key liaison personnel with the principal bankers of our Group.

Low Kai Loon is the son of Dato’ Low Kok Chuan, our Non-Independent Executive Director/Group Managing Director and Datin Tea Guat Ngo, our Non- Independent Executive Director.

Low Kai Loon is also a shareholder of Tirai Anggerik Sdn. Bhd., which is a major shareholder of our Company.

Low Kai Loon attended all five (5) Board meetings held during the financial year ended 31 December 2025.

Date of Appointment to the Board: 25 April 2022

Board Committee: Employees’ Share Option Scheme Committee (Member)

Age: 52
Gender: Female
Nationality: Malaysian

Datin Laily graduated with a Bachelor of Economics (Business Administration) from Universiti Malaya. Upon graduating in 1998, she joined Infieldview Technology Sdn. Bhd. as a Marketing Executive. She left the company in 2001 and worked in marketing and administrative roles in various other organisations until 2004.

In 2005, Datin Laily joined Syarikat Perumahan Negara Berhad, a corporation owned by the Minister of Finance (Incorporated) and now under the purview of the Ministry of Housing and Local Government, as an Executive. She served the organisation for approximately fifteen (15) years in various capacities and functions such as spearheading various committees and task forces that involved policy and procedure development and improvements, as well as project financings. Her dedication was recognised through promotions, culminating in her role as Assistant Head of Department at SPNB Aspirasi Sdn. Bhd. before leaving in 2020.

In 2018, Datin Laily ventured into financial technology related businesses whereby she founded Atapttech Sdn. Bhd., a subsidiary of our Company, which holds the proprietary pawn processing system of our Group. She then sold her entire equity interest in Atapttech Sdn. Bhd. to our Company in 2020 in order to pursue other financial technology related businesses.

Datin Laily attended all five (5) Board meetings held during the financial year ended 31 December 2025.

Date of Appointment to the Board: 20 May 2022

Board Committee: Nomination and Remuneration Committee (Member)

Age: 57
Gender: Female
Nationality: Malaysian

Chow Lai Mun obtained her Chartered Institute of Management Accountants in 1999 and is a member of the Malaysian Institute of Accountants since 2000.

Chow Lai Mun began her career in 1993 as an Audit Assistant. Between 1996 to 2014, she joined various organisations mainly involved in accounting and finance functions. In 2014, she joined Galasys PLC, a software company, as a Financial Controller whereby she was primarily responsible for managing the finance functions of the company. She left the company in 2017 but was retained as coordinator to assist in the preparation of Galasys PLC’s financial statements until 2022.

Between 2020 to 2022, Chow Lai Mun was also engaged by Circle International Holdings Limited, a media technology company, as coordinator to assist in the preparation of its financial statements. She was appointed as Finance Manager of the company in 2022 but left later in the same year. To date, she has over 30 years of experience in accounting and finance across a multitude of industries.

Chow Lai Mun attended all five (5) Board meetings held during the financial year ended 31 December 2025.

Date of Appointment to the Board: 20 May 2022

Board Committee:
Audit and Risk Management Committee (Chairman);
Employees’ Share Option Scheme Committee (Chairman);
Nomination and Remuneration Committee (Member)

Age: 53
Gender: Male
Nationality: Malaysian

Hong Boon Toh graduated with a Bachelor of Business in Accountancy degree from RMIT University and is a member of the Certified Practising Accountant (“CPA”) Australia, the Malaysian Institute of Accountants, as well as the Chartered Tax Institute of Malaysia since 2000 and 2001. In addition, he was also admitted as a Fellow of CPA Australia in 2021.

Hong Boon Toh began his career in 1997 with Deloitte KassimChan Tax Services Sdn. Bhd. (now known as Deloitte Tax Services Sdn. Bhd.), before joining LG CNS Malaysia Sdn. Bhd., an information technology service provider, as a Finance Manager in 2004.

In 2006, Hong Boon Toh joined Crowe Horwath KL Tax Sdn. Bhd. (now known as Crowe KL Tax Sdn. Bhd.) as Senior Tax Manager. He left the tax consulting services in 2008 and joined Sime Darby Berhad, a conglomerate listed on the Main Market of Bursa Malaysia Securities Berhad, as Assistant Vice President in Group Tax.

In 2014, Hong Boon Toh left Sime Darby Berhad and moved on to S P Setia Berhad, a property development company listed on the Main Market of Bursa Malaysia Securities Berhad, to assume the role as Head of Tax in the same year. In 2022, he left S P Setia Berhad and is currently an Executive Director of ECore Synergy PLT, a corporate and tax advisory service provider. To date, Hong Boon Toh has over 25 years of experience in accounting and finance across a multitude of industries.

Hong Boon Toh attended all five (5) Board meetings held during the financial year ended 31 December 2025.

Date of Appointment to the Board: 20 May 2022

Board Committee:
Audit and Risk Management Committee (Member);
Employees’ Share Option Scheme Committee (Member)

Age: 47
Gender: Male
Nationality: Malaysian

Kenneth Chai Chuan Teong graduated with a Bachelor of Science in Economics & Management from the University of London, United Kingdom in 2001 and Master of Business Administration (Finance) from University of Leicester, United Kingdom in 2009.

Kenneth Chai Chuan Teong began his career in 2001 with the financial institution, Arab-Malaysian Finance Berhad (now known as AmBank Berhad), as an Officer under its Corporate Planning and Services Department. He left the organisation in 2003 and moved on to other organisations where he was primarily involved in corporate planning and strategy, corporate finance and investment functions.

In 2019, Kenneth Chai Chuan Teong was appointed as an Independent Non- Executive Director of Ageson Berhad, a company listed on the Main Market of Bursa Malaysia Securities Berhad, a position he held until 2021. He also served as the Independent Non-Executive Chairman of Annum Berhad, another Main Market-listed company, from 2020 until his resignation in 2023.

In 2021, Kenneth Chai Chuan Teong founded KACE Consultants, a firm specialising in business and corporate management advisory and consultancy services, as well as executive and leadership coaching, training and facilitation services. He is a Professional Certified Coach credentialed by the International Coaching Federation (“ICF”) and a European Mentoring & Coaching Council Accredited Coach/ Mentor at Senior Practitioner Level. He served as one of the nine global Council of Ambassadors of the ICF Foundation from 2023 to 2024. In addition, he is a Certified Sustainability Reporting Specialist and a Certified Sustainability Practitioner by the Institute of Certified Sustainability Practitioners.

On 10 March 2025, Kenneth Chai Chuan Teong was publicly reprimanded by Bursa Malaysia Securities Berhad and imposed with a fine of RM31,000 for the breach of Paragraph 16.13(b) of the Main Market Listing Requirements, in relation to his former role as Independent Non- Executive Chairman of Annum Berhad. The breach arose from the company’s delay in issuing its Annual Report for the financial period ended 30 June 2023, for which the company was publicly reprimanded and four (4) other directors were similarly reprimanded and fined. Kenneth Chai Chuan Teong had resigned from the board of the company on 18 September 2023, prior to the stipulated due date of 31 October 2023.

Kenneth Chai Chuan Teong attended all five (5) Board meetings held during the financial year ended 31 December 2025.

Date of Appointment to the Board: 20 May 2022

Board Committee:
Nomination and Remuneration Committee (Chairman);
Audit and Risk Management Committee (Member);
Employees’ Share Option Scheme Committee (Member)