Age: 61

Gender: Male

Nationality: Malaysian

Dato’ Low Kok Chuan is our Non-Independent Executive Director cum Group Managing Director. He was appointed to our Board on 1 October 2021 and is primarily responsible for determining our Group’s overall strategic business direction, as well as overseeing our Group’s overall business operations.

Dato’ Low Kok Chuan obtained a Higher Stage Certificate in Accounting from the London Chamber of Commerce and Industry in 1983, followed by 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. Dato’ Low Kok Chuan left the organisation in 1986 in order to pursue his entrepreneurship career. Between 1986 to 1995, Dato’ Low Kok Chuan founded several retail and trading businesses which were mainly in relation to trading of household and outdoor equipment products. Between 1996 to 2004, Dato’ Low Kok Chuan were involved in the business of property development.

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

Under his leadership and strong business acument, our Group’s pawnbroking business has grown significantly from 1 “Pajaking” pawnshop in Kuala Lumpur to now a network of 27 “Pajaking” pawnshops in Kuala Lumpur, Selangor, Negeri Sembilan, and Pahang.

To complement our Group’s pawnbroking business, Dato’ Low had in 2018 incorporated Cahaya Gold & Jewellery Sdn. Bhd., a subsidiary of our Company, in order to venture into the business of retail and trading of gold and luxury products. To-date, our Group has 15 “Cahaya Gold” retail outlets in Kuala Lumpur that are 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 parents of Low Kai Loon, our Non-Independent Executive Director.

Both Dato’ Low Kok Chuan and Datin Tea Guat Ngo are substantial shareholders of Tirai Anggerik Sdn. Bhd. Tirai Anggerik Sdn. Bhd. is currently a substantial shareholder of our Company.

Dato’ Low Kok Chuan attended 2 Board meetings held during the FYE 2023.

Age: 61

Gender: Female

Nationality: Malaysian

Datin Tea Guat Ngo is our Non-Independent Executive Director. She was appointed to our Board on 1 October 2021 and is primarily responsible to oversee the overall treasury functions of our Group.

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 PG Insan Tiara Sdn. Bhd.,, a subsidiary of our Company, in order to venture into the pawnbroking business. Under their leaderships, our Group’s pawnbroking business has grown significantly from 1 “Pajaking” pawnshop in Kuala Lumpur to now a network of 27 “Pajaking” pawnshops in Kuala Lumpur, Selangor, Negeri Sembilan Pahang.

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

Both Dato’ Low Kok Chuan and Datin Tea Guat Ngo are substantial shareholders of Tirai Anggerik Sdn. Bhd. Tirai Anggerik Sdn. Bhd. is currently a substantial shareholder of our Company.

Datin Tea Guat Ngo attended 2 Board meetings held during the FYE 2023.

Age: 30

Gender: Male

Nationality: Malaysian

Low Kai Loon is our Non-Independent Executive Director. He was appointed to our Board on 25 April 2022 and is primarily responsible to spearhead our Group’s business development activities.

Low Kai Loon graduated with a Bachelor of Science in Economics from the Singapore Management University in 2016. Upon graduation, he joined Trax Capital Sdn. Bhd. as a Corporate Relationship Manager whereby he was primarily responsible to manage the working relationships of the stakeholders of Trax Capital Sdn. Bhd. such as suppliers, financial institutions, insurers, and Government agencies.

In 2021, Low Kai Loon became the Director of Business Development of our Company whereby he was primarily responsible to spearhead 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 a child of Dato’ Low Kok Chuan and Datin Tea Guat Ngo, both being our Non-Independent Executive Directors.

Low Kai Loon is also a shareholder of Tirai Anggerik Sdn. Bhd. Tirai Anggerik Sdn. Bhd. is currently a substantial shareholder of our Company

Low Kai Loon attended 2 Board meetings held during the FYE 2023.

Age: 50

Gender: Female

Nationality: Malaysian

Datin Fadzlullaily Binti Yakob is our Non- Independent Non-Executive Director. She was appointed to our Board on 20 May 2022. She is currently a member of our Nomination and Remuneration Committee.

Datin Fadzlullaily Binti Yakob graduated with a Bachelor of Economics (Business Administration) from Universiti Malaya in 1998. Upon graduation, she joined Infieldview Technology Shd Bhd as a Marketing Executive. She left the said company in 2001 and moved on to other organisations whereby between 2001 to 2004, she mainly worked as a marketing and administrative officer.

In 2005, Datin Fadzlullaily Binti Yakob 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 said organisation for approximately 15 years and in various capacities and functions such as spearheading various committees and task forces that involves policy and procedure development and improvements, as well as project financings. Datin Fadzlullaily Binti Yakob’s 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 Fadzlullaily Binti Yakob 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 had then sold her entire equity interest in Atapttech to our Company in 2020 in order to pursue other financial technology related businesses.

Datin Fadzlullaily Binti Yakob has no family relationship with any Directors or major shareholders of our Company.

Datin Fadzlullaily Binti Yakob attended 2 Board meetings held during the FYE 2023.

Age: 54

Gender: Female

Nationality: Malaysian

Chow Lai Mun is our Independent Non- Executive Director. She was appointed to our Board on 20 May 2022. She is also the Chairman of our Audit and Risk Management Committee, as well as a member of the Nomination and Remuneration Committee.

Chow Lai Mun obtained her Chartered Institute of Management Accountants in 1999 and she has been 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 Financial Controller whereby she was primarily responsible for managing the finance functions of the said 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, she 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 said company in 2022 but left later in the same year. To-date, Chow Lai Mun has over 30 years of experience in accounting and finance across a multitude of industries.

Chow Lai Mun has no family relationship with any Directors or major shareholders of our Company.

Chow Lai Mun attended 2 Board meetings held during the FYE 2023.

Age: 50

Gender: Male

Nationality: Malaysian

Hong Boon Toh is our Independent Non- Executive Director. He was appointed to our Board on 20 May 2022. He is also a member of our Audit and Risk Management Committee.

Hong Boon Toh obtained his Bachelor of Business in Accountancy degree from RMIT University in 1997 and he has been 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, he 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.

He left Sime Darby Berhad in 2014 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 1Advisory Sdn. Bhd., 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 was appointed as Senior Independent Non-Executive Director of Systech Bhd on 25 October 2023, a company listed on the ACE Market of Bursa Malaysia Securities Berhad.

Hong Boon Toh has no family relationship with any Directors or major shareholders of our Company.

Hong Boon Toh attended 2 Board meetings held during the FYE 2023.

Age: 44

Gender: Male

Nationality: Malaysian

Kenneth Chai Chuan Teong is our Independent Non-Executive Director. He was appointed to our Board on 20 May 2022. He is the Chairman of our Nomination and Remuneration Committee, as well as a member of our Audit and Risk Management Committee.

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

In 2019, Kenneth was appointed as an Independent Non-Executive Director of Ageson Berhad, a company listed on the Main Market of Bursa Securities. He resigned from this position in 2021.

In 2020, Kenneth was appointed as the Independent Non-Executive Chairman of Annum Berhad, a company listed on the Main Market of Bursa Securities. He was redesignated as the Independent Non- Executive Chairman in 2021 and he resigned from this position in 2023.

In 2021, Kenneth founded KACE Consultants that provides business and corporate management advisory and consultancy services, and executive and leadership coaching, training and facilitation services. He is a Professional Certified Coach credentialed by the International Coaching Federation (ICF) and one of the nine global Council of Ambassadors of the ICF Foundation. In addition, he is a Certified Sustainability Reporting Specialist and a Certified Sustainability Practitioner by the Institute of Certified Sustainability Practitioners.

Kenneth has no family relationship with any Directors or major shareholders of our Company.

Kenneth Chai Chuan Teong attended 2 Board meetings held during the FYE 2023.