Mr Kenneth Zammit joined the Issuer as the Chief Financial Officer in October 2012, and is responsible for leading the finance, treasury and correspondent banking functions of the Issuer. He is a member of the executive committee, ALCO, the credit committee and the reserving committee. Mr Zammit is also appointed as the managing director of Vector Procurement Solutions Inc, a global procurement centre for the Group, based in Canada and holding a branch in Malta. Mr Zammit is an experienced finance professional with over 25 years’ experience in the banking, insurance, assurance, and other fields. His work experience covered the areas of finance, financial control, internal and external auditing, risk management, treasury management, correspondent banking, international payments, insurance and AML. Prior to joining the Issuer, Mr Zammit held a number of senior management positions with international banks operating from Malta, namely Renault Bank and Novum Bank. He also held senior management positions with Hal Mann group in Malta and Ernst & Young Malta. PAGE 15. Mr Zammit is a warranted certified public accountant and holds a practicing certificate in auditing, both issued by the Accountancy Board in Malta. He is a fellow of the Malta Institute of Accountants and the Malta Institute of Management. He holds an Honours degree in Accountancy and a degree in Commerce from the University of Malta.