Management Team profiles Christopher J.KMurray - Chief Executive Officer Mr . Murray joined HSBC in 1978 and has been appointed in a number of senior leadership roles since his joining. He has more than 40 years of experience in banking spanning across various geographies in Europe, Asia, and the Middle East. During his career w ith HSBC, he w as also appointed Country Head and Deputy Chairman of Dar Essalaam Investment Bank (Iraq). Prior to being appointed as CEO, Mr . Murray held the position of Chief Risk Officer in HSBC Thailand. Lukas Mandangu – Head of Finance Mr . Mandangu joined HSBC GB&M Finance in October 2010 and prior to this, held various finance roles in Societe Generale and external audit roles at PwC in Zimbabw e, Channel Islands and London at senior management level. Through these various roles, he has built up a strong commercial aw areness and has gained significant experience in product and financial control, regulatory reporting, internal controls, capital planning and business partnering. He previously w orked as Business Finance Partner, Global Banking/Principal Investments and Strategic Innovation Investments based in London prior to his appointment as country Head of Finance for HSBC Mauritius. Mr . Mandangu is a Chartered Accountant and a Chartered Financial Analyst. Dean Lam Kin Teng – Head of Commercial Banking Mr . Lam joined the HSBC Group in August 2000 in the capacity of CFO for HSBC Mauritius until May 2007. During that period, he also undertook the responsibility of Finance Director of HSBC Bank (Mauritius) Limited betw een April 2006 and May 2007. Mr . Lam then moved to Hong Kong to take up the role of Manager International at the HSBC Asia Pacific Regional office overlooking the Northern Asia countries. Upon his return to Mauritius in June 2009, he w as appointed as Head of Corporate Banking prior to taking up the role of Managing Director of HSBC Bank (Mauritius) Limited in June 2013. Mr . Lam is a Chartered Accountant and also holds a degree in Accounting and Finance from the London School of Economics and Political Science. Laura Steer – Chief Risk Officer Mrs Steer joined HSBC in 2010 after graduating from the University of Oxford with First Class Honours. She also holds a Distinction from the Henley Business School and First Class Honours from the London Institute of Banking and Finance. Mrs Steer has held positions w ith HSBC in Hong Kong, Lebanon and the UK, spanning across corporate banking, risk management and compliance. Prior to being appointed Chief Ris k Officer of HSBC Mauritius in 2018, Mrs Steer held the positions of Corporate Relationship Director in HSBC UK. Nitin Ramlugon – Head of Retail Banking and Wealth Management Holding a B.Sc. in Management and a M.Sc. in Financial Management, Mr . Ramlugon is the Head of Retail Banking and Wealth Management. He has held management positions in diverse functions of the Bank including Human Resources, Operations, Retail Credit, Global Business and Compliance. Jennifer Hau – Chief Operating Officer Mrs Hau has more than 22 years of experience in banking, of w hich 16 years are at middle and senior management level. She started her career w ith HSBC in 1993 and acquired extensive experience in the Corporate and Retail Banking businesses as w ell as branch operations before she moved to undertake key responsibilities in the Global Bus iness function for almost seven years. Since January 2014, she is the Country Chief Operating Officer and a senior member of the management team. Her main areas of responsibility span from Operations, Services, Corporate Real Estate, Procurement and Technology. In the process of recruiting – Head of Human Resources 1 Management Team profiles Vassan Calleemootoo –Head of Global Markets Mr . Vassan Calleemootoo joined the bank in 2002 w ithin the finance and accounting team before mov ing into the role of FX trader in 2004. Prior to his appointment as Head of GM, Vassan w as Head of Marketing for GM since 2006. Vassan holds a BSc in Accounting. Ashish Gow reesunker – Head of Regulatory Compliance, Financial Crime Compliance and Financial Crime Threat Mitigation Mr Gow reesunker joined HSBC Mauritius in 1995 and has held many pos itions across the spectrum of Retail Banking (RBWM), Commercial Banking (CMB) and Securities Services. He w as also the Regulatory Compliance Lead for RBWM and CMB from August 2014 to June 2017 and holds the Certified Anti Money Laundering Specialist (CA MS) accreditation. Over the last tw o years, Mr Gowreesunker has been a key pillar w ithin our Mauritius Remediation Office and has helped steer the Bank through to completion of the various remediation initiatives. Annick Meerun – Manager Communications Mrs Meerun is a journalist and communication specialist w ith a strong track record for crisis management, media engagement and public relations, having w orked for the public and private sector. She is recalled as a National TV presenter and new s reporter w ho w as trained at France 2 Television, Paris. Holder of a Master’s Degree in International Relations from Quaid E Azam University of Pakistan, she w orked for Barclays Bank as Communications Manager before taking up her job in the Communications Department at HSBC in 2012. Ashiti Prosand - Head of Legal and Company Secretary Mrs Prosand is a Chartered Secretary & Associate of the Institute of Chartered Secretaries & Administrators. She is also holder of a Masters in Law , LLM in International Bus iness Law from the University of Manchester, UK and a Bachelor of Law , LLB from the University of Mauritius. With a rich w orking experience in the field of Legal/Company Secretary, Mrs Prosand has w orked for Standard Chartered Bank and MauBank prior to joining HSBC. Monique Li Wan Po - 2.