CHINA OVERSEAS PROPERTY - Key Persons

Job Titles:

• Chief Executive Officer
• Executive Director
• Member of the Board of Directors

Dr. Yang Ou has been appointed as Executive Director and Chief Executive Officer as well as Authorized Representative of the Company on 22 March 2018 and has been appointed as a member of the sustainability steering committee on 27 October 2020. He is also a director of certain subsidiaries of the Group. Dr. Yang graduated from Nanjing University of Science and Technology in the PRC with a Bachelor of Engineering degree in Materials Science in June 2000. He obtained his Master degree in Architecture and Civil Engineering from Chongqing University in the PRC in December 2006, a Master degree in Business Administration from National University of Singapore in June 2011 and a Doctor degree in management from The Hong Kong Polytechnic University in September 2015. Dr. Yang obtained qualifications in securities practice in December 2001, senior economist in materials science and engineering in June 2011, a senior engineer in architecture and civil engineering in August 2013 and senior economist in business administration specialty in September 2020. Since September 2014, Dr. Yang has been an instructor at the VENCI-CIH Learning Centre (英國特許房屋經理學會中國學習中心). Since December 2014 and May 2015 respectively, Dr. Yang has been the corporate mentor of the MBA Education Centre of Shantou University and Southwest Jiaotong University in the PRC. He has been Vice President of China Property Management Institute since 26 May 2019. Dr. Yang was appointed as the Executive Director and Vice President of the Company for the period from 25 June 2015 to 5 May 2016. From July 2013 to February 2014, he was the chairman of the board of three subsidiaries of the Group engaged in value-added services. From 2002 to 2015, Dr. Yang served as the director and deputy general manager of China Overseas Property Management Chengdu Company Limited (成都中海物業管理有限公司), the director and assistant general manager of China Overseas Xingye (Chengdu) Development Limited (中海興業（成都）發展有限公司), the director and general manager of the client relationship department of China Overseas Land & Investment Ltd. ("COLI", the fellow subsidiary of the Company, Stock Code: 688, listed on the Main Board of HKEx), the general manager of China Overseas Property Management Company Limited (中海物業管理有限公司) and the property management department of COLI, being responsible for the overall management and operation of the business in the PRC and the general manager of China Overseas Grand Oceans Property Shantou Limited (汕頭市中海宏洋地產有限公司), a subsidiary of China Overseas Grand Oceans Group Ltd. (an associate of the Company, Stock Code: 81, listed on the Main Board of HKEx). He was the president of Sichuan District of Country Garden Holdings Company Limited (Stock Code: 2007, listed on the Main Board of HKEx) from June 2016 to June 2017. Dr. Yang rejoined COLI as general manager of customer services department since June 2017. Dr. Yang has over 19 years of industry experience in property development and management.

Job Titles:

• Independent Non - Executive Director
• Member of the Board of Directors

Mr. So, Gregory Kam Leung was appointed as Independent Non-executive Director of the Company on 9 October 2018. Mr. So also serves as chairman of remuneration committee and a member of audit committee, nomination committee and sustainability steering committee of the Company. He is responsible for giving independent strategic advice and guidance on the business and operations of the Group. Mr. So graduated from Carleton University, Canada in June 1980 with a Bachelor of Arts degree in economics. In May 1984, he graduated from the University of Ottawa, Canada with a bachelor' s degree in law and a Master degree in Business Administration. Mr. So has been a member of the Law Society of Alberta, Canada since June 1985, a member of the Law Society of Upper Canada in November 1988, a member of the Law Society (England and Wales) in January 1989 and a member of the Hong Kong Law Society in March 1989. He provided legal services in Canada from 1984 and continued his legal practice upon returning to Hong Kong in 1989. He has over 25 years of practice experience as a lawyer. Mr. So was appointed as the Undersecretary for Commerce and Economic Development of the third term Government of the Hong Kong Special Administrative Region on 1 June 2008. He was then appointed as the Secretary for the Commerce and Economic Development on 28 June 2011. On 1 July 2012, Mr. So was again appointed as the Secretary for Commerce and Economic Development of the fourth term Government of the Hong Kong Special Administrative Region until 30 June 2017. The Commerce and Economic Development Bureau is responsible for various policy matters including Hong Kong's external commercial relations, inward investment promotion, intellectual property protection, industry and business support, tourism, consumer protection, competition, information technology, telecommunications, broadcasting, development of innovation and technology (until November 2015), film-related issues, and creative industries. Mr. So has currently served as a consultant in So, Lung and Associates, Solicitors and an independent non-executive director, a member of audit committee and the chairman of risk committee of Blue Insurance Limited, an independent non-executive director, a member of audit committee and strategic development committee of Orient Overseas (International) Limited (Stock Code: 316, listed on the Main Board of HKEx), an independent non-executive director and a member of audit committee of Investcorp Holdings B.S.C. and an advisor of Superland Group Holdings Limited (Stock Code: 368, listed on the Main Board of HKEx). Mr. So previously served as the Vice-chairman of the Democratic Alliance for the Betterment and Progress of Hong Kong, Board Member of Hong Kong Hospital Authority, Council Member of Lingnan University, Member of Commission on Strategic Development and member of the District Council of Wong Tai Sin District.

Job Titles:

• Member of the Board of Directors
• Non - Executive Director

Mr. Guo Lei was appointed as Non-executive Director of the Company on 23 August 2021. Mr. Guo graduated from Shenyang Architecture and Civil Engineering Institute (now known as Shenyang Jianzhu University) with a Bachelor degree of engineering in July 1993; obtained a Master degree in management from Harbin University of Architecture and Engineering (now known as Harbin Institute of Technology) in July 1999; obtained a Doctorate degree in management from Harbin Institute of Technology in July 2003; and obtained qualification in Professor-level Senior Engineer from China State Construction Engineering Corporation (the ultimate holding company of the Company) in November 2018. From October 1993 to July 2003, Mr. Guo worked in Dandong power supply equipment factory and Shenyang Architecture and Civil Engineering Institute. He joined a subsidiary of China Overseas Land and Investment Ltd. ("COLI", the fellow subsidiary of the Company, Stock Code: 688, listed on the Main Board of HKEx) in July 2003 and since then, he worked in investment planning department of 北京中海地產有限公司 and projects department of 北京中海廣場置業有限公司. From December 2007 to February 2018, he served as assistant general manager of 天津中海興業房地產開發有限公司, assistant general manager of Northern China regional companies of 中海地產集 團有限公司 ("COPG"), general manager of 中海宏洋地產(銀川)有限公司, general manager of Shenyang companies of COPG, director of COPG and general manager of investment management department of COPG. From February 2018 to October 2020, Mr. Guo served as general manager of 中海發展雄安有限公司, general manager of Shijiazhuang companies and deputy general manager of Northern China regional companies. Since October 2020, he served as assistant president of COLI, chairman of 鶴山天山金屬材料製品有限公司 and 中建宏達建築有限公司 as well as deputy chairman of supply chain company. Mr. Guo has about 28 years' experience in engineering, contract and corporate management in real estate industry.

Job Titles:

• Executive Director
• Member of the Board of Directors

Mr. Kam Yuk Fai has been appointed as an Executive Director of the Company since June 2015 and has been appointed as the Chief Financial Officer of the Company on 13 December 2017, responsible for the financial management of the Group. He is also a director of certain subsidiaries of the Group. Mr. Kam graduated from The Hong Kong Polytechnic (now The Hong Kong Polytechnic University) with a Professional Diploma in Accountancy, and also held a Master degree in Business Administration from the University of Strathclyde in Britain. He is a qualified accountant, a fellow member of the Association of Chartered Certified Accountants and an associate member of the Hong Kong Institute of Certified Public Accountants. Prior to joining the Group, Mr. Kam had held various senior finance positions, and from 1997 to 2010 he served in listed on the Main Board of HKEx and his last held position was the group financial controller. Mr. Kam had held positions in China Overseas Grand Oceans Group Ltd. ("COGO", an associate of the Company, Stock Code: 81, listed on the Main Board of HKEx) from March 2010 to June 2015 and his last held position in COGO was the general manager of Finance & Treasury Department (HK). Mr. Kam has over 33 years of experience in the fields of accounting, auditing and finance.

Job Titles:

• Assistant President
• Member of the Senior Management Team

Mr. Li Zhenxi was appointed as Assistant President of the Company on 18 August 2015. He is responsible for the operation of the Group's property management non-residential business in the PRC. Mr. Li is a qualified senior engineer and a registered 1st grade constructor. Mr. Li graduated from Harbin University of Civil Engineering and Architecture with a Bachelor degree in Industrial Automatic in June 1996. Mr. Li obtained his Master degree in Project Management from Harbin Institute of Technology in June 2010. Mr. Li joined China Overseas Land & Investment ("COLI") Group in July 1996 and served different positions in various subsidiaries of COLI Group including the general manager of West China region of China Overseas Property Management Limited (中海物業管理有限公司) ("CO Property Management") in November 2010 and general manager of Beijing branch office of China OverseasProperty (Commercial Property) Management Company in May 2013. Mr. Li served as the deputy general manager of Wanda Business Management Centre between February 2012 and October 2012. Mr. Li became the deputy general manager of CO Property Management in October 2014. He has approximately 25 years of experience in operation of property management.

Job Titles:

• Independent Non - Executive Director
• Member of the Board of Directors

Mr. Lim, Wan Fung Bernard Vincent was appointed as Independent Non-executive Director of the Company on 9 October 2015. Mr. Lim also serves as chairman of sustainability steering committee and a member of audit committee, remuneration committee and nomination committee of the Company. He is responsible for giving independent strategic advice and guidance on the business and operations of the Group. Mr. Lim has been a principal of AD+RG Architecture Design and Research Group Ltd. since February 2001. He is also a committee member of the Chinese General Chamber of Commerce since November 2014 and an adviser to the Guangdong Registered Architects Association (廣東省註冊建築師協會) since 2008. Mr. Lim obtained a Bachelor of Arts in Architectural Studies (1st Hons) from The University of Hong Kong in November 1979, a Bachelor degree in Architecture (Distinction) from The University of Hong Kong in November 1981 and a Master of Science in Urban Planning from The University of Hong Kong in November 1985. He is a Registered Architect (Hong Kong) and has been a member of The Hong Kong Institute of Architects (HKIA) since November 1984, Authorized Person (List of Architects) (Hong Kong) since May 1985, a member of Royal Institute of British Architects since March 1985, Asia Pacific Economic Cooperation (APEC) Architect since December 2005, PRC Class 1 Registered Architect Qualification (中華人民共和國一級註冊建築師) since August 2007 and member of Shenzhen Registered Architects Association (深圳市註冊建築師協會) in September 2012. Mr. Lim was appointed as a Justice of the Peace in 2008 and conferred Bronze Bauhinia Star in 2018 by the Government of HKSAR. He has been a National Committee member of the 12th Chinese People's Political Consultative Conference of the PRC (中國人民政治協商會議第十二屆全國委員會委員), committee member of the 3rd Chinese People's Political Consultative Conference of Chongqing City (中國人民政治協商會議重慶市第三屆委員會委員), an Adjunct Professor of the School of Architecture of The Chinese University of Hong Kong, chairman of Advisory Board of Nan Lian Garden of Home Affairs Bureau, a president of The Hong Kong Institute of Architects, a president of The Hong Kong Institute of Urban Design, a member of Town Planning Board, a member of Antiquities Advisory Board of Development Bureau, a member of the Energy Advisory Committee of Environment Bureau and a member of the Advisory Committee on Education Development Fund of Education Bureau.

Job Titles:

• Member of the Senior Management Team
• Vice President

Mr. Liu Zhonghua was appointed as Vice President of the Company on 25 June 2015. He is responsible for Xinghai Wulian (興海物聯) and gardening businesses and doubles as the general manager of the Group's Foshan companies. Mr. Liu graduated from the Chongqing Construction Engineering College in the PRC with a Bachelor of Engineering in Industrial Electrical Automation in July 1988 and from the University of South Australia in Australia with a Master degree in Business Administration in May 2002. He also obtained an Executive Master degree in Business Administration from Nankai University in the PRC in June 2010. Mr. Liu was elected Affiliate of The Hong Kong Institute of Housing in January 2005 and a member of Hong Kong Institute of Real Estate Administrators in March 2000, respectively. He is qualified as a senior engineer in electrical and mechanical engineering since July 2002. Mr. Liu joined China State Construction Engineering Corporation (the ultimate holding company of the Company) in 1988, and joined China Overseas Property Services Limited for the period from October 1995 to August 2016 and had held positions including assistant general manager, director and deputy general manager. Mr. Liu has approximately 33 years of experience in electrical and mechanical engineering project management, 20 years and 5 years of experience in property management in Hong Kong and China respectively.

Job Titles:

• Member of the Board of Directors
• Non - Executive Director

Mr. Ma Fujun was appointed as Non-executive Director of the Company on 23 August 2021. Mr. Ma graduated from Lanzhou University with a Bachelor degree in July 1998; obtained a Master degree in law from the Peking University in September 2003; obtained a Doctorate degree in law from the Southwestern University of Finance and Economics in June 2011; and obtained qualification in Senior Economist from the evaluation committee of professional titles of China State Construction Engineering Corporation ("CSCEC", the ultimate holding company of the Company) in January 2021. Mr. Ma joined 中建二局第一建築工程有限公司 as a general office staff in 1998. He worked in various business units within 中國建築第二工程局有限公司, such as, general office, human resources department and served as general manager of property services company. Since then, Mr. Ma served as assistant general manager of the general office of the Board of CSCEC and assistant general manager, deputy general manager of human resources department of CSCEC from March 2010. He has also served as assistant general manager of China Overseas Holdings Limited ("COHL", the controlling shareholder of the Company) from September 2017 and has been appointment as director and deputy general manager of COHL since February 2020. Mr. Ma has over 20 years' experience in human resources administration and management in construction industry.

Job Titles:

• Executive Director
• Member of the Board of Directors
• Vice President

Mr. Pang Jinying was appointed as Executive Director and Vice President of the Company on 22 August 2018. He is also a director of certain subsidiaries of the Group. Mr. Pang graduated from the Economics and Management School of Wuhan University in July 1989, where he received his bachelor's degree in Economics. In 2001, he enrolled in the Business Administration Programme in the School of Business of Renmin University of China, and obtained a master's degree in Business Administration (MBA) in June 2004. He holds the title of senior accountant. In 1989, Mr. Pang joined Seventh Engineering Division of China State Construction Engineering Corporation ("CSCEC", the ultimate holding company of the Company). Subsequently, he joined China Overseas Holdings Limited ("COHL", the controlling shareholder of the Company) in September 2004 and served various positions in the subsidiaries of COHL. Mr. Pang also served as the assistant general manager of Finance and Treasury Department of China State Construction International Holdings Limited (the fellow subsidiary of the Company, Stock Code: 3311, listed on the Main Board of HKEx). He had respectively, served as the assistant general manager, deputy general manager and general manager of Finance and Treasury Department of COHL since 2007. Mr. Pang has over 31 years of experience in financial management in the fields of construction contracting and real estate investment. Currently, Mr. Pang also serves as the director of Anhui Guoyuan Trust Co., Ltd., while Shenzhen China Overseas Investment Management Co., Ltd., wholly-owned by CSCEC, is the second largest shareholder of Anhui Guoyuan Trust Co., Ltd.

Job Titles:

• Assistant President
• Member of the Senior Management Team

Mr. Wang Meng was appointed as Assistant President of the Company on 1 March 2020. He is responsible for the business of UN+ companies and doubles as the general manager of the Group's Chengdu companies. He graduated from Chongqing Radio & TV University with major in Real Estate Development and Management in July 1996. He studied in Sichuan Normal University with major in Social Work and Management from February 2007 to June 2009. He joined China Overseas Land & Investment ("COLI") Group in November 2000 and served different positions in various subsidiaries of COLI including the assistant general manager of the Group's Chengdu companies in January 2006, general manager of Chengdu branch office of China Overseas Property (Commercial Property) Management Company in November 2010, deputy general manager and general manager of the Group's Chengdu companies during March 2017 to February 2019. He has approximately 20 years of experience in operation of property management.

Job Titles:

• Member of the Senior Management Team
• Vice President

Mr. Wang Zhigang was appointed as Vice President of the Company on 5 March 2019. He is also a director of certain subsidiaries of the Company. Mr. Wang is responsible for the operation of the Group's property management business in Hong Kong and Macau and assist to manage the matters of corporate communications department of the Group. Mr. Wang graduated from Tongji University in the PRC with a Bachelor degree in Materials Science in July 1996, and obtained two professional certificates in Construction Engineering Management and Real Estate Management in Tongji University. Mr. Wang holds a Master degree in Construction and Civil Engineering from Huazhong University of Science and Technology in the PRC in December 2006. He is a qualified senior engineer. Mr. Wang has been a Chartered Member of the Chartered Institute of Housing since March 2015 and has been a member of the Hong Kong Institute of Housing since 2017. Mr. Wang joined the China Overseas Land & Investment ("COLI") Group in July 1996 and was employed in a subsidiary of COLI until August 2001. From September 2001 to February 2012, he served different positions in various subsidiaries of China Overseas Property Management Limited (中海物業管理有限公司) ("CO Property Management") such as assistant general manager and general manager. From October 2010 to August 2013, he was also the deputy general manager and then the general manager of China Overseas Property (Commercial Property) Management Company (中海物業（商業物業）管理公司), a commercial properties branch of CO Property Management. He has been the deputy general manager of CO Property Management since August 2013 and responsible for commercial, quality control, engineering, information technology management, business operation and specialized company business. Mr. Wang has approximately 25 years of property management experience in the PRC.

Job Titles:

• Assistant President
• Member of the Senior Management Team

Mr. Xiao Jun Qiang was appointed as Assistant President of the Company on 1 March 2020. He is responsible for the matters of the human resources department and doubles as the general manager of the Group's Beijing companies. He graduated from Hunan University of Arts and Science with major in Agriculture in June 1999. He graduated from Sun Yat-sen University with major in Administration Management in October 2006 and obtained senior economist in 2017. He joined China Overseas Land & Investment ("COLI") Group in November 2000 and served different positions in various subsidiaries of COLI including the general manager of Beijing branch office of China Overseas Property (Commercial Property) Management Company in April 2015 and general manager of the Group's Beijing companies in February 2016. He has approximately 20 years of experience in operation of property management.

Job Titles:

• Member of the Senior Management Team
• Vice President

Mr. Ye Xiang was appointed as Vice President of the Company on 13 December 2017. He is responsible for the matters of the business operation division of the Group and doubles as the general manager of the Group's Wuhan companies. Mr. Ye graduated from Huazhong University of Science and Technology in the PRC majoring in Power Engineering in 1992, and then he obtained a Master degree in Political Economics from Central China Normal University in 2004. Mr. Ye served various positions in China Overseas Land & Investment (Guangzhou) Limited (中海發展（廣州）有限公司) since 1992 including assistant general manager of the real estate department from October 1996 to January 1997. During the period from January 1997 to August 2011, he served as deputy general manager and general manager of China Overseas Property Management (Guangzhou) Limited (中海物業管理廣州有限公司) respectively, assistant general manager of president office of China Overseas Holdings Limited (the controlling shareholder of the Company), and general manager of property management department of China Overseas Property Group Co., Ltd. From August 2011 to May 2017, Mr. Ye served as the president of Genting Resort Secret Garden of Genting Group in Malaysia (馬來西亞雲頂集團密苑雲頂樂園), assistant president of Henderson (China) Investment Company Limited, vice president of Agile Group Holdings Limited and president of A-living Group. He has approximately 27 years of experience in real estate and property management.

Job Titles:

• Chairman of the Board
• Executive Director

Mr. Zhang Guiqing has been appointed as the Chairman of the Board, Executive Director, Authorized Representative, chairman of the nomination committee and a member of the remuneration committee of the Company on 11 February 2020 and has been appointed as a member of the sustainability steering committee on 27 October 2020. He is also a director of certain subsidiaries of the Group. Mr. Zhang holds a bachelor degree from the Shenyang Jianzhu University and a master degree from the Harbin Institute of Technology. He joined a subsidiary of China Overseas Holdings Limited ("COHL", the controlling shareholder of the Company) as engineer in 1995 and since then, he worked in various business units within COHL and China Overseas Land & Investment Ltd. (the fellow subsidiary of the Company, Stock Code: 688, listed on the Main Board of HKEx), such as, development management department, marketing and planning department, general manager of Suzhou, Shenzhen and Northern District regional companies. Mr. Zhang has also been appointed as director of COHL with effect from 5 March 2020. He was the executive director and chief executive officer, authorized representative and a member of remuneration committee of China Overseas Grand Oceans Group Ltd. (an associate of the Company, Stock Code: 81, listed on the Main Board of HKEx) for the period from December 2014 to February 2020. Mr. Zhang has over 25 years' experience in property development and corporate management.

Job Titles:

• Assistant President
• Member of the Senior Management Team

Ms. Han Fang was appointed as Assistant President of the Company on 10 May 2016. She is responsible for the matters of the business operations division of the Group. Ms. Han graduated from Jiang Su University with a Bachelor degree in Economics in July 1992. Ms. Han joined China Overseas Land & Investment ("COLI") Group in February 2002 and served different positions in various subsidiaries of COLI including the general manager of Quality Management and Corporate Communication Department of China Overseas Property Management Limited (中海物業管理有限公司) ("CO Property Management") in September 2012 and deputy general manager of Shenzhen branch of CO Property Management in August 2014. Ms. Han has approximately 18 years of experience in operation of property management.

Job Titles:

• Assistant President
• Member of the Senior Management Team

Ms. Li Xiaohua was appointed as Assistant President of the Company on 25 June 2015. Ms. Li is also a director of certain subsidiaries of the Company. She is responsible for the matters of the general office of the Group. Ms. Li graduated from Provincial Party School of Liaoning Province in the PRC with a degree in Accounting in December 1997. She joined China Overseas Land & Investment ("COLI") Group in 1999, and has served various positions in COLI Group including assistant general manager of the human resources department from September 2007 to December 2010 and deputy general manager of COLI Group's property management department, which oversaw China Overseas Property Management Limited (中海物業管理有限公司) ("CO Property Management") and other PRC subsidiaries of the Group from December 2010 to September 2012. Served as deputy general manager of CO Property Management from August 2012 onwards. Ms. Li has approximately 22 years of human resources and administration management experience in the PRC.

Job Titles:

• Independent Non - Executive Director
• Member of the Board of Directors

Mr. Yung, Wing Ki Samuel was appointed as Independent Non-executive Director of the Company on 9 October 2015. Mr. Yung also serves as chairman of audit committee and a member of remuneration committee, nomination committee and sustainability steering committee of the Company. He is responsible for giving independent strategic advice and guidance on the business and operations of the Group. Mr. Yung is currently an executive district director and honorable advisor of AIA International Limited as well as an honourable adviser of China South City Holdings Limited (Stock Code: 1668, listed on the Main Board of HKEx) (appointed after his retirement from the post of independent non-executive director on 22 September 2020). He is also presently a member of the National Committee of the Chinese People's Political Consultative Conference, the vice chairman of the Committee for Economic Affair of the National Committee of the Chinese People's Political Consultative Conference, the founding president of Hong Kong Professionals and Senior Executives Association, a member cum chairperson of Finance Committee of the Board of Management of the Chinese Permanent Cemeteries, a member of Council of Hong Kong University of Science and Technology, a member of Court of the Hong Kong Metropolitan University and the chairman of the Hong Kong Examinations and Assessment Authority. Mr. Yung was elected the "Ten Outstanding Young Persons Award" in 1994. He was awarded the Medal of Honor in 2001, appointed as a Justice of the Peace in 2007 and awarded the Silver Bauhinia Star in 2011 by the Government of the HKSAR respectively. Mr. Yung was also a standing member of the Chinese People's Political Consultative Conference of Jilin (中國人民政治協商會議吉林省委員會常務委員), standing committee member of All-China Youth Federation, member of Commission on Strategic Development of Hong Kong, member of Central Policy Unit, the chairman of Betting and Lotteries Commission of Home Affairs Bureau, chairman of Hong Kong United Youth Association, chairman of Top Outstanding Young Persons Association, board member of General Agents and Managers Association International and chairman of its International Committee, president of The Life Underwriters Association of Hong Kong, chairman of General Agents and Managers Association of Hong Kong and an independent non-executive director and a member of the audit committee of China Overseas Insurance Limited, a wholly-owned subsidiary of China State Construction International Holdings Limited (the fellow subsidiary of the Company, Stock Code: 3311, listed on the Main Board of HKEx) for the period from 14 October 2014 to 31 August 2020. Mr. Yung was awarded an Executive Master degree in Business Administration from the Hong Kong University of Science and Technology and has attained certain professional qualifications, including Certified Financial Planner, Registered Financial Consultant, Fellow Chartered Financial Practitioner, Chartered Life Practitioner, Certified Manager of Financial Advisor and Chartered Insurance Agency Manager. He has over 38 years of experience in the insurance sector.