VM WEALTH - Key Persons

Job Titles:

• Member of the Board of Directors
• President
• Chairman of the United Church Mission Enterprise

An accomplished and dynamic banking executive with over two decades of strategic leadership experience and a strong track record in business growth and improving general business performance, Mr. Courtney Campbell assumed the role of President and Chief Executive Officer of the Victoria Mutual Building Society (VMBS) on April 18, 2016. Over the course of his career, Mr. Campbell has held several senior executive positions, including, Chief Executive Officer - GraceKennedy Financial Group, GraceKennedy's financial services holding company with operations in banking, stock broking, insurance and money services across 12 Caribbean territories. Prior to joining the GraceKennedy Financial Group, he spent over 23 years with the National Commercial Bank, where he served in several management positions, including Head of the Retail Banking Division. He holds a BSc in Management Studies from The University of the West Indies, and an MBA in Finance (Distinction) jointly awarded by the University of Wales & Manchester Business School. He is also a member of the Chartered Institute of Bankers, London. Mr. Campbell is the Chairman of the United Church Mission Enterprise; a Corporate Champion for the UWI STAT, Mona Campus; Director on the Knox College Board and a Member of the Public Sector Transformation Oversight Committee. He also serves on the Investment Committee of the Council of World Missions. A Justice of the Peace, Mr. Campbell is an Advisory Board Member of the Governor-General's Programme For Excellence and an I Believe Initiative Ambassador. He previously served as a Director of GraceKennedy Limited as well as a number of its subsidiaries' boards and is a former Chairman of the National Education Trust (NET). Courtney is married to Pauline and they have two sons.

Job Titles:

• Member of the Leadership Team
• Manager, Asset Management

Davie Martin is alumni of Kingston College who joined he VM Wealth team in May 2019. In his role as Manager for Asset Management, he is responsible for optimizing the risk adjusted returns on the various investment portfolios to maximize customer value. Davie has over 18 years of experience in the financial industry, with his most recent position before joining VM Wealth being Manager - Trading at NCB Capital Markets Limited. Davie is an avid sports fan and a longsuffering Arsenal supporter. He also enjoys going to the beach and spending time with his family. Davie holds a Master of Business Administration with a focus on Banking on Finance from the Mona School of Business and a BSc in Management Studies and Accounting (UWI).

Job Titles:

• Chairman
• Chairman of the Board of Directors
• Chairman of the Board of Directors at Victoria Mutual
• Chairman of Victoria Mutual Wealth Management Limited

Mr. McMorris is the Chairman of the Board of Directors at Victoria Mutual and has held that office since 2011. He is Principal of the business management firm KRONOS Limited and works with local and international investors in the area of new venture development and strategic management. Mr. McMorris has had a successful career in both the Private and Public sectors. He was previously an Executive Director of Jamaica Promotion Corporation (JAMPRO) and prior to that, held the post of CEO with Trafalgar Commercial Bank (now First Global) and Knutsford Capital Merchant Bank, which he helped found. Mr. McMorris holds a Bachelor's Degree in Economics and Politics & Public Affairs from the University of Miami as well as advanced finance training from Citibank's School of Banking where he started his career. Currently, Mr. McMorris also serves as Chairman of Victoria Mutual Wealth Management Limited and VMBS Money Transfer Services Limited, 1 st Vice President of the Jamaica Chamber of Commerce and Director of other commercial enterprises. Previously, Mr. McMorris has served President of the Merchant Bankers Association, Chairman of the Finance Committee of the Airports Authority of Jamaica and a member of the Board of the National Exim Bank.

Job Titles:

• Member of the Board of Directors

A strategic and visionary leader, Mr. Devon Barrett has been with the Victoria Mutual Family since March 2008. On September 1, 2016 Mr. Barrett assumed the role of Group Chief Investment Officer with responsibility for diversifying the Group's investment portfolio. He retains his post at the helm of Victoria Mutual Wealth Management (VMWM) where his primary areas of focus include conceptualising and implementing the strategic direction of the Company, managing the Company's balance sheet, ensuring compliance with all regulatory requirements and managing the growth in profit and shareholders' value. Mr. Barrett also serves on the Victoria Mutual Wealth Management and Prime Asset Management Boards. Prior to his tenure at Victoria Mutual, Mr. Barrett served in senior positions at several financial institutions including Capital and Credit Securities Limited and the Union Bank of Jamaica Limited, formerly Citizen's Bank. This accounts for 20 years of experience in managing foreign currency investments and deposits portfolios, negotiating foreign exchange and money market deals and ensuring consistent growth in the respective client bases. Mr. Barrett holds an MBA which he acquired at Nova Southeastern University, Florida and a BSc in Management Studies from the University of the West Indies. A strong negotiator and effective communicator, he inspires his team to achieve greater levels of performance, thereby positively impacting on individual growth and development and ultimately, overall Company results.

Job Titles:

• Assistant Vice President
• Member of the Leadership Team
• Assistant Vice President, Capital Markets

Mr. Dwight Jackson joined the VM Wealth Management Limited team in February 2021 as Assistant Vice President, Capital Markets and will be developing and implementing strategies aimed at growing VMWM's and VMIL's market share locally and regionally. Dwight has more than 10 years of combined experience in the financial industry spanning investment banking, commercial banking, central banking, risk management, model building and research. His most recent assignment was in the role of Manager, Origination & Structuring - Investment Banking Unit at NCB Capital Markets. While there, he was instrumental in originating, structuring, arranging, brokering, underwriting, and listing some of the largest IPOs and public offering of shares in Jamaica's history. Prior to that, Dwight was Quantitative Risk Officer, Group Risk Management Division at NCB where he managed group-wide credit risk exposure for the Group with assets of just under J$700 billion, stipulating suitable risk limits for credit portfolios and developing frameworks and models to better analyse and manage risk exposures. Dwight attained a Master of Science degree in Economics with concentration in Financial Economics and Game Theory from the University of the West Indies, Mona, and a Bachelor of Science degree with honours from the University of the West Indies. He is also certified in Corporate Finance from Euromoney Learning, London. When he is not making big moves in the world of finance, Dwight enjoys watching, playing and talking about football. He is also an avid runner and cyclist.

Job Titles:

• Member of the Board of Directors
• Principal of IWC Capital Management LLC

Mr. Mathew Wright is the Principal of IWC Capital Management LLC, a New York based private equity firm specializing in multi-family residential and commercial real estate investments in New York City. Mr. Wright has over 13 years experience in corporate finance, credit risk management and real estate investment. He is a former Vice-President in the Infrastructure Finance Group of Citibank Global Capital Markets in New York, with responsibility for providing financial advisory and debt arrangement services to major infrastructure projects in North America, Latin America and the Caribbean. Mr. Wight has also served as Assistant Vice-President for Capital Markets in the Emerging Market and Corporate Bank for Citibank Jamaica. Mr. Wright is a former Cambridge Commonwealth Scholar and holds a Master of Philosophy in Environment and Economic Development from Cambridge University in the United Kingdom, a Master of Arts Degree in International Development Policy from Stanford University, California and Bachelor of Arts Degree in Economics from Williams College, Massachusetts. He also serves as a Board member for Victoria Mutual Building Society (VMBS).

Job Titles:

• Managing Partner
• Member of the Board of Directors
• Chairman of Sabina Park Holdings
• Member of the Advisory Board of the Spanish Jamaican Foundation

Mr. Milton J. Samuda is the Managing Partner of Samuda & Johnson and heads the Firm's Commercial Department. His practice includes Tourism, Corporate and Hotel Financing; Trade and Transportation; Mining and Energy; Sports and Entertainment; and Maritime Law. He is the Immediate Past Chairman of Jamaica Promotions Corporation (JAMPRO) and Past- President of the Jamaica Chamber of Commerce (JCC). Currently, he is a director of Victoria Mutual Wealth Management, Creditinfo Jamaica Limited, Berger Paints Jamaica Limited, OMS Associates Limited, Strategic Corporate Interventions Limited, the Business of Sports and is a principal of The PowerSports Dynasty Limited. Additionally, he is a member of the ARCC and Compensation Committee of the WICB and the Competent Authority in respect of the Co-Production Film Treaty between the United Kingdom and Jamaica. Mr. Samuda is chairman of Sabina Park Holdings, the Institute of Law and Economics, the National Dance Theatre Company (NDTC) and the Wolmer's Trust as well as a member of the Board of Management of the Wolmer's Trust Schools. A member of the Advisory Board of the Spanish Jamaican Foundation, Mr. Samuda also serves as the Foundation's Secretary and is also a member of the Finance & General Purposes Committee of the University of the West Indies. Mr. Samuda holds a L.L.B. (Hons.) degree from the University of the West Indies and was admitted to practice in Jamaica in 1982 having completed studies at the Norman Manley Law School. In 1993 he was also admitted to practice in the British Virgin Islands. An Anglican, Mr. Samuda is married to Elizabeth and has three children, Matthew, Marlon and Mariana.

Job Titles:

• Member of the Board of Directors
• Chief Operating Officer of ICD Group Holdings Limited

Mr. Vikram Dhiman is the Chief Operating Officer of ICD Group Holdings Limited, a Jamaican-based Investment holding company with regional and global interests in Real Estate, Construction, Property Management, General Insurance, Business Process Outsourcing and E-Commerce businesses. He began his career with KPMG in Jamaica and also worked with them in India and the Netherlands. Between 1998-2000, he worked with the United Nations Compensation Commission, in Geneva, as a valuation specialist for determination of the Claims arising from the 1990 Gulf War. After his MBA at INSEAD he worked at Marakon Associates, a strategy and management consulting firm, at their London Office, advising several FTSE100 firms. He joined the ICD Group in 2004, and has been instrumental in shaping and growing the businesses of the Group and for creating and managing growth and change with all the companies and businesses that he works with. Vikram is a naturalised Jamaican and chosen Jamaica as his home. He serves on several private and public sector boards as part of his employment and as a volunteer. He is the Chairman of British Caribbean Insurance Co. Limited (Jamaica's largest insurance co.) and WIHCON Properties Limited and the Deputy Chairman of the Special Economic Zone Authority's board. He is a director of Advantage Communications Inc. (Canada), ADV Communications Jamaica Limited, Social Media Group LLC (Puerto Rico), West Indies Home Contractors, ICD Group Holdings Limited, the University Hospital of the West Indies (Private Wing), Victoria Mutual Investments Limited and M.A.G. Medical Supplies Limited. Since 2016, he has been the Honorary Treasurer the Private Sector Organisation of Jamaica (PSOJ), the umbrella private sector organisation in Jamaica. He is also the Treasurer of the Jamaica Golf Association, since 2007 and the Chair of its Junior Golf Committee from 2007-2017. He has raised over US$500,000 for the development and growth of Junior Golf in Jamaica. Vikram attained a First Class Bachelor's degree in Mathematics from Christ Church College (1987), Kanpur India; is a Fellow Member (not in practice) of the Institute of Chartered Accountants of Jamaica, a past practicing member of the Institute of Chartered Accountants of India; has passed the American Institute of Certified Public Accountants examination; and also holds an MBA from INSEAD, Fontainebleau, France (2000). Mr. Dhiman is married to Aditi and they have two sons Karan (19) and Aman (13) both of whom have represented Jamaica in Taekwondo, Squash and Golf.

Job Titles:

• Member of the Leadership Team
• BBA
• Manager, Bond & Equity Trading

Mrs. Denise Marshall-Miller joined the Victoria Mutual Wealth Management Limited (VM Wealth) team as Manager-Bond Trading in February 2011. Her mandate is to facilitate the growth of bond trading revenue by providing internal and external clients with diversified bond options. Towards this end, she focuses on building and expanding trading relationship with overseas counterparts, providing guidance to the Bond Trading Team and deepening relations with existing VM Wealth clients. July 2019, Mrs Marshall-Miller portfolio was expanded to include the Stockbrokerage division of the business. She is tasked with growing the equity portfolio, generate trading gains and grow equity commission while educating the client base on investing. Mrs. Marshall-Miller has over sixteen years of experience in the Finance Industry and has built a strong track record as a successful Investment Manager. She consistently demonstrates her expertise in deal structuring, Corporate and Sovereign Bond Trading, US Treasury Trading, Portfolio Management , Equity Trading and Treasury Management. Her career in investment started at Mayberry Investment as a Wealth Advisor and quickly accelerated to that of Manager, Markets & Trading Department. Her core competence entails the creation of customized portfolios specifically designed to meet clients' investment needs and maximizing portfolio returns. Mrs. Marshall-Miller holds an MBA from the Mona School of Business and a BBA (Hons) & Diploma (Dist) from the University of Technology with a major in Finance. Attained Professional certificates from Harvard, CPTC, Morgan Keegan Bond Schools and Mona School of Business. Denise Marshall-Miller has three children and is married to Wayne Miller for the past 17 years.

Job Titles:

• Member of the Leadership Team
• Senior Manager, Treasury
• Senior Manager, Treasury & Trading

Mrs. Evette Bryan joined Victoria Mutual Wealth Management Limited (VM Wealth) as a Client Relations Officer in July 2001. She quickly advanced to the position of a Senior Investment Advisor and Treasury Officer by 2003. Her promotion to Manager, Treasury and Trading in 2011, was followed by a further advancement in 2019 to her current role as Senior Manager, Treasury, where she practices due diligence in managing not only the portfolio of assets for VMIL/VM Wealth but also, on occasion, for select clients. Having acquired over 25 years of experience in banking and finance, Mrs. Bryan is quite adept at treasury management, trading, portfolio management, risk management, and mentorship. Prior to joining VM Wealth, she served in the private sector as an Accounts Supervisor at one of the leading financial institutions in Jamaica. Mrs. Bryan holds an MBA in Banking and Finance from the Mona School of Business, University of the West Indies, Mona. She has also excelled in professional short courses focusing on Project Management, Strategic Financial Management and Portfolio Management, from the Mona School of Business and Fitz Ritson and Associates. Her current vision for the Treasury is that it will continue its evolution from a single product unit to one that boasts a least five avenues to income earnings, whilst continuously committing to being bold on behalf of its shareholders in so far as venturing out beyond the shores of Jamaica to seize regional opportunities as they present themselves.

Job Titles:

• Chartered Accountant
• Member of the Board of Directors

Mrs. Janice McKenley joined Victoria Mutual in July, 2007. As Group Chief Financial Officer, she is responsible for the Society's Treasury and group shared services inclusive of Finance, Information Security, Fraud Investigations, Risk Management and Internal Audit. Presently, she is the Executive Sponsor of the System Upgrade project scheduled to be implemented in May 2017. Prior to joining Victoria Mutual, Mrs. McKenley held the position of General Manger, Financial Control Division at the National Commercial Bank Ltd. In that role, she had responsibility for the transformation and reorganization of the division, improvement in the financial reporting timeframes; Budget preparation and Regulatory Reporting; as well as coordination of the external audit and financial reporting for the Bank and Group. Mrs. McKenley has a wealth of experience including Computerised Information System Risk Management (CISRM), which was her specialty during her tenure at McKenley & Associates and PriceWaterhouseCoopers. Mrs. McKenley was also instrumental in formulating the corporate direction and strategic goals for the City of Kingston Co-operative Credit Union, while serving as Deputy General Manager, Finance & Corporate Planning. Mrs. McKenley, a Chartered Accountant by profession, holds an MBA in Finance and a B.Sc. in Computer Science from the University of the West Indies. She is a Fellow of The Chartered Association of Certified Accountants (UK) and The Institute of Chartered Accountants of Jamaica, of which she is a past council member and member of the Accounting Standards Committee.

Job Titles:

• Manager, Research

Mrs. Nicole Adamson has two decades' experience in the financial industry in both the private and public sectors. She joined the team at Victoria Mutual Wealth Management (VM Wealth) in April 2011 in the capacity of Research Manager and during her tenure has also had responsibility for stockbroking. As manager for research, Mrs. Adamson oversees the team of analysts that provides insights into the local and global economies and investment guidance on investments spanning equities, bonds and other non-traditional investments. Under her guidance, VM Wealth took 1 st and 3 rd place in the Jamaica Stock Exchange's (JSE) 2017 Research Analyst competition. Prior to working at VM Wealth, Mrs. Adamson worked at the Victoria Mutual Building Society in the Strategy department and at the Ministry of Finance & Planning. Mrs. Adamson is a CFA Charterholder, Financial Risk Manager (FRM) fellow with the Global Association of Risk Professionals and a Certified ScrumMaster® with the Scrum Alliance. She holds an MSc in Finance, Economics and Econometrics from the Cass Business School, City University, London, UK and a BSc (First Class Honours) in Actuarial Science from the University of the West Indies, Mona. She is also a Board member of the Jamaica Island Nutrition Network (JINN), a non-profit organization dedicated to improving nutrition in students, and a volunteer with CFA Institute and CFA Society Jamaica. She also serves as a mentor at her alma mater, St. Andrew High School for Girls.

Job Titles:

• Member of the Leadership Team
• Manager, Marketing

Mrs. Sharon Sterling assumed responsibility for the marketing activities of Victoria Mutual Wealth Management (VMWM) in April 2015. She brings to this role over 15 years experience in leading the marketing, sales and customer service functions in various industries. This multi-faceted background allows her to develop creative positioning strategies which facilitate the attainment of the organisation's business objectives. Prior to VMWM, Mrs. Sterling successfully led the re-engineering of the Sales Teams at the HiPro Division of the Jamaica Broilers Group and BH Paints. Her strategic approach to marketing is anchored by best practices inculcated from working in senior roles in global organisations such as Kimberly Clarke (Puerto Rico), Total Jamaica Ltd and Shell Company (W.I.) Ltd. as well as from interacting with brand principals from Chile, Italy, France and the United States of America while managing the Imported Wines and Spirits Unit at J. Wray and Nephew Ltd. Mrs. Sterling holds an MBA from the University of New Orleans, BSc. in Chemistry and Management from the University of the West Indies and a Diploma in Teacher Education from the Mico University College. She is also a trained Quality Auditor and Project Manager.

Job Titles:

• Manager, Risk & Compliance
• Victoria Mutual Pensions Management Team As Manager - Risk & Compliance

Ms. Natalie Bennett joined the Victoria Mutual Pensions Management Team as Manager- Risk & Compliance (Acting) in October 2015. In December 2016 her responsibilities were expanded to include Victoria Mutual Investments Limited. She has the task of identifying and quantifying major risk items, developing mitigation procedures, assessing the sufficiency of internal control and robustness of the governance framework as well as ensuring that the organisation remains compliant with the relevant regulatory and legislative bodies. She has over a decade of experience as a Pension Administrator and Analyst where she has worked in various organisations such as The Financial Services Commission, and Sagicor Life Jamaica. An exceptional and goal oriented individual, Ms. Bennett holds an MBA from Edinburgh Business School and a Bachelor of Science degree from the University of West Indies with a major in Actuarial Science.

Job Titles:

• Member of the Board of Directors
• EJD, FAIA, MCMI
• Fellow of the Association of International Accountants

Mr. Hann joined the VMBS family in 1976 and served the Society for over 30 years. As Senior Vice President Finance and Chief Financial Officer, he had responsibility for Accounting, Finance, Investment, Pension Fund Administration, Foreign Currency Trading and Information Technology. He retired in 2010 as Senior Vice President, Group Risk and Compliance. Mr. Hann also has extensive professional experience in manufacturing, construction and hotel operations. Mr. Hann is a fellow of The Association of International Accountants (UK) and a member of the Chartered Management Institute (UK). In July 2007, he completed an Executive Juris Doctor (EJD) Law Degree at Concord Law School, California, specializing in the technical area with options in Cyberlaw, Patent Litigation, Intellectual Property and Patent Claim Drafting. He has completed several management development programmes, including Financial Management at the Graduate School of Savings & Loans, North Western University. A past Council Member of the Building Societies Association of Jamaica, Mr. Hann also serves on the Boards of several companies. For the past twenty years, he has been the Chairman of the McGrath High School and is the founder and senior pastor of The New Life Tabernacle Church in Bog Walk, St. Catherine. He is a Justice of the Peace, serves as a Lay Magistrate and is very involved in the communities of Bog Walk and Linstead, serving on the Community Consultative Committees, as well as the Linstead Hospital Redevelopment Committee. Over the years, Mr. Hann has spearheaded numerous programmes geared towards the advancement of young people.

Job Titles:

• Member of the Board of Directors
• Chairman of the Board of Directors of Topaz Christian Fellowship
• Fellow of the Association of Chartered Certified Accountants
• Member of the Victoria Mutual Family

Mr. Phillip Silvera is a long standing member of the Victoria Mutual Family and is a former Executive Vice-President of The Victoria Mutual Building Society (VMBS), where he spent 30 years in various senior positions including Financial Controller, Chief Accountant and Divisional President. Mr. Silvera is a fellow of the Association of Chartered Certified Accountants (FCCA) UK and the Institute of Chartered Accountants (FCA) Jamaica. He was a licenced Security Dealer for over 5 years and up to 2006, served as a registered Public Accountant. Mr. Silvera is currently Chairman of the Board of Directors of Topaz Christian Fellowship and the immediate past President of the Golden Acres Citizens Association. He also serves on the Boards of Victoria Mutual Building Society Money Transfer and Westin International Insurance Company Limited.

Job Titles:

• Member of the Board of Directors
• Business Facilitator / Consultant

Ms. Sandra Shirley,Business Facilitator/Consultant, Sandra Shirley & Associates, has extensive experience spanning over 30 years in wealth management, trust banking, strategic planning and implementation in the United States and the Caribbean. She is also the Principal, Jamaica Stock Exchange E-Campus. Ms. Shirley, a former licensed securities dealer and President of First Global Financial Services Limited, is a 2006 Fellow of the Jamaican Institute of Management and a member of the Private Sector Organisation of Jamaica. She is a former Director and Vice President of the Jamaica Chamber of Commerce and has served on various other private and publicsector boards, including as Deputy Chairman, The Jamaica Stock Exchange (2008), Secretary, Security Dealers Association (2006-2008),a Commissioner, Anti-Dumping & Subsidies Commission and Jamaica Deposit Insurance Company. A former Senior Research/Teaching Fellow-Finance, Mona School of Business, University of the West Indies, Mona, she has also served in variouscapacities on technical assistance and project teams funded by private sector and multilateral agencies. Her experience includes entrepreneurship and SME development. She believes in giving through service and isa United Way volunteer and Immediate Past President of Soroptimist International (SI) Jamaica and isVice President for the SI Caribbean Network of clubs. Ms. Shirley attained a BSc (Hons.) Management Studies from The University of the West Indies, majoring in Financial Accounting & Finance and an MBA Finance and Banking from Pace University, New York, USA. She completed a Post Graduate Diploma in Investment Appraisal and Risk Analysis from Queens University, Ontario, Canada.She also serves on the boards of Victoria Mutual Wealth Management, Prime Asset Management and British Caribbean Insurance Company Limited and is an approved Pension Fund Trustee.

Job Titles:

• Manager, Sales & Client Relations

Tamara Waul-Douglas joined the VM Wealth Team in October 2019 and brings with her more than 20 years' experience in the financial services sector. Her most recent assignment was in the role of Loyalty and Client Retention Manager - Payments Unit, at Sagicor Bank Jamaica Limited. Prior assignments at Sagicor include Branch Manager at the Liguanea, Hope Road, Manor Park and Knutsford Boulevard Branches. Tamara has a proven track record of exceptional sales leadership. This attribute will be fully evident as she guides her team of Wealth Advisors towards effectively serving our Clients. Tamara is a UWI alumni who enjoys reading and interacting with nature.