Mr Joseph Chen

Non-Executive Independent Director

Mr Joseph Chen is a Non-Executive and Independent Director of the Company. He is also the Chairman of the Audit Committee and a member of the Nominating Committee and Remuneration Committee.

He has more than 30 years of experience in the commercial / corporate sectors of the Financial Risk Management and Banking industry in Canada, United States and the Asia Pacific region, holding senior positions in various banks, including being Country Credit Officer of Citibank Canada from years 1991 to 1995, Senior EVP/Chief Risk Officer of TaChong Bank in Taiwan, Director - Audit & Risk Review (Citibank AP) from year 1998 to 2000, Managing Director and Group Head of Consumer Credit, DBS Bank and Subsidiaries from year 2000 to 2008, and Chairperson of Consumer Credit Bureau of Singapore from year 2003 to 2005.

He is currently a freelance consultant and investor in the financial markets. He graduated with a Bachelor of Science degree from Nanyang University in 1972 and a Master of Business from the Asian Institute of Management in 1977.