Heads of Entities

KEISHA FORBES ELLIS Chief Country Officer and Chief Executive Officer JAMAICA MONEY MARKET BROKERS LTD.

Keisha embodies a true JMMB success story, having joined the company 24 years ago as a Trading Assistant and climbing the ranks to the position of Chief Country Officer (Jamaica) and CEO of JMMB Investments. Her expertise includes trading and treasury management, portfolio management and strategic planning. Thus, she ably provides strategic leadership to all entities within Jamaica – JMMB Investments, JMMB Securities, JMMB Fund Managers, JMMB Insurance Brokers, JMMB Money Transfer and JMMB Bank. She is charged with the responsibility for the growth and development of these companies through its stock brokerage offerings, banking services, cambio services, unit trust offerings, insurance offerings, portfolio management offerings and by extension the overall asset management business line.

Keisha holds an MBA with specialization in Banking and Finance from Mona School of Business, UWI and a Bachelor’s degree in Business Management from Nova South Eastern University. SHARON GIBSON Chief Executive Officer JMMB MONEY TRANSFER LTD.

An experienced financier who boasts over 20 years at the managerial level in the industry, Sharon brings a track record of achievement and excellence to her position as CEO. Before joining the JMMB team, she held several senior positions at National Commercial Bank (NCB) including remittance, customer service, project management, product development and operations. During her stint at NCB, she climbed the ranks while broadening her experience, serving as Product Development Manager, Customer Service Manager and Operations Manager. She also served as Chair of the Audit Committee of the NCB Cooperative Credit Union. Sharon holds an Executive Master of Business Administration (EMBA), with Distinction, from the University of the West Indies, Mona in addition to other professional designations, including AICB from the Canadian Institute of Bankers. She also holds a Diploma in Management Studies from the Jamaica Institute of Management (JIM). Sharon is currently the Vice President of the Jamaica Money Remitters Association.

SHERON GILZEAN Chief Executive Officer JMMB INSURANCE BROKERS LTD.

Sheron has served as CEO of JMMB Insurance Brokers Ltd. since 2017 after being promoted from her previous position as General Manager. Sheron boasts a wealth of knowledge of the insurance industry, having amassed more than 30 years of experience in claims and underwriting, risk management, team building and relationship management. Sheron has been a part-time lecturer at the College of Insurance & Professional Studies since 2003, and is also a former Executive and Chartered Member of the Jamaica Society of Insurance Professional and Technicians (JSIPT). Her educational achievements complement her experience. She is the holder of both an undergraduate and postgraduate degree from the UWI, Mona and a Fellow Chartered Insurance Professional with the Insurance Institute of Canada. She recently completed her Risk Management certification through the Insurance Institute of Canada. She is the past Treasurer and a Distinguished member of the Kiwanis Club of Constant Spring and a Charter Member of the Kiwanis Club of Young Professionals, Kingston. JEROME SMALLING Chief Executive Officer JMMB BANK (JAMAICA) LIMITED

Jerome is a seasoned financial expert with an esteemed 25-year career in banking in the Caribbean and North America. Smalling joined the JMMB Group team in 2012 as the CEO of the then JMMB Merchant Bank. In his role as CEO of JMMB Bank (Jamaica) Limited his key functions include: formulating strategic plans, ensuring the development and promotion of products and services, reviewing the Bank’s overall financial position, and determining appropriate strategies to achieve sustained profitability, expansion and growth.

His career includes tenures as Scotiabank Branch Manager; Vice President, Personal Banking at RBC Caribbean and Manager, Branch Sales Strategy Initiatives at the RBC Royal Bank’s National Office in Toronto Canada.

He holds an MBA and a Bachelor’s degree in Business & Professional Management from the H. Wayne Huizenga Business School, Nova Southeastern University, Florida, USA. Jerome is also a fellow of The Institute of Canadian Bankers and completed executive training at The University of Pennsylvania’s Wharton Business School.

Jerome is a Director for JMMB Bank and JMMB Bank in Trinidad and Tobago and Dominican Republic. He currently serves as the President of The Jamaica Bankers’ Association and sits on the board of the Ports Authority of Jamaica where he leads as Chairman of the Board Finance Sub Committee. He also serves on the Board of his Alma Mater, Munro College.

HEADS OF ENTITIES CONTD.

CHRISTOPHER WALKER Chief Executive Officer JMMB FUND MANAGERS LTD.

Christopher joined the JMMB team in September 2012, following JMMB’s acquisition of the Capital and Credit Financial Group (CCFG). A veteran financier, having served over 25 years in the financial services industry, Christopher was appointed to his current position at the helm of JMMB Fund Managers Limited in April 2013. His current post sees him continuing to offer expert leadership while guiding the strategic positioning of the Company’s off balance sheet client portfolio, with particular focus on collective investment schemes (CIS) and pension funds. In this capacity he also acts as Chairman of the Group Client Portfolio Investment Committee. Complementing his vast experience is a BSc in Management and Economics from the University of the West Indies (UWI), Canadian Investment Manager Designation from the Canadian Securities Institute and a Master’s degree in Business Administration from the University of Liverpool.

Additionally, Christopher is the Chairman of the IV Acquisitions Limited and The Jamaica Evangelistic Association.

HEADS OF ENTITIES

RONALD CARTER Chief Country Officer and Chief Executive Officer JMMB BANK (T&T) LTD.

Ronald’s extensive experience in financial services and investment management spans over 25 years across the Caribbean and the United States. In addition to being a successful entrepreneur, he has held several senior positions in a number of top-tier global financial institutions and has successfully led businesses in wealth and investment management, capital markets and corporate banking. He is responsible for the leadership and strategic oversight of JMMB’s operations in Trinidad & Tobago. Ronald holds a BSc (Honors) degree in Business Management with a major in Accounting from the University of the West Indies and a Master of Business Administration with a concentration in Finance from the New York University Leonard N. Stern School of Business.

** Resigned July 31 2021 ELSON JAMES Chief Executive Officer JMMB EXPRESS FINANCE (T&T) LTD

Elson has established a track record of excellence as he spearheaded the design and launch of JMMB Express Finance (T&T) Limited, an arm of the JMMB Group primarily focused on providing unsecured loans to the Trinidad and Tobago market. He has held several management positions at financial giants such as Citibank, American Express, Ryder Systems and Unicomer, and brings valuable multinational working experience gained in the Caribbean, the United States and Asia. With more than 20 years of consumer and corporate finance experience, Elson has been expanding his track record of profit creation and improvement at JMMB. Elson has a Bachelor’s degree in Business Administration and Management from UWI St Augustine and a MBA in Finance from Pennsylvania State University Smeal College of Business TRICIA KISSOON Chief Executive Officer JMMB INVESTMENTS (T&T) LIMITED, JMMB SECURITIES (T&T) LIMITED

Tricia Kissoon, joined the JMMB Team in March of 2020. With more than 15 years of experience in the financial services sector, Tricia’s passion and drive have established her as an expert in the field of investments. Her focus has primarily been on Asset Management for mutual funds and insurance portfolios.

Tricia has a Masters of Business Administration from the Edinburgh Business School and a Bachelor’s of Science degree in Economics and Finance from the University of the West Indies. Her academic qualifications coupled with her hands-on experience has honed her into a skillful leader focused on developing and empowering her team members and improving the financial well-being of clients by delivering an exceptional client experience

HEADS OF ENTITIES

JUAN JOSÉ MELO Chief Country Officer and Chief Executive Officer JMMB PUESTO DE BOLSA S.A., AFP JMMB BDI, S. A.

Juan is a finance executive with 16 years of experience in the Dominican financial market, specializing in banking and investments. Before joining the JMMB Group in 2009 as Director of Investment Banking, he worked as a financial consultant at firms such as Deloitte and KPMG where he participated in various advisory projects for important companies in Dominican Republic.

In 2012, he was appointed General Manager of the Crédito América Corporation after JMMB acquired the majority of its shares, and was tasked with the development of the banking business for JMMB in the Dominican Republic. In 2015 he headed the acquisition and rebranding of the Banco de Ahorro y Crédito Rio, which, combined with the assets and liabilities of Corporación de Crédito América, gave way to the creation of JMMB Bank, Banco de Ahorro y Crédito, for which he was appointed CEO.

In June 2019, he assumed the Chief Country Officer position for JMMB Group in Dominican Republic, CEO of JMMB Puesto de Bolsa, and CEO of AFP JMMB BDI. His responsibilities as Chief Country Officer for JMMB Dominican Republic are mainly to oversee and lead the operations of the four companies that make up the group: JMMB Bank, JMMB Puesto de Bolsa, AFP JMMB BDI and JMMB Funds (SAFI).

He holds an Industrial Engineering degree from the Pontificia Universidad Católica Madre y Maestra, and a Masters in Finance from the Universidad de Comillas in Madrid, Spain. As part of his vision for JMMB, he looks to continue the growth of the Group and its various companies, with a focus on customer satisfaction. JESUS CORNEJO Chief Executive Officer SOCIEDAD ADMINISTRADORA DE FONDOS DE INVERSIÓN JMMB, S. A.

With over 25 years experience, Jesus has extensive knowledge of the Banking and Securities market in the Dominican Republic and Mexico. His previous experience includes Risk Management, Treasury and Client Partnership leadership positions at Citigroup, APAP, and JMMB Puesto de Bolsa.

Jesus holds an Industrial Engineering degree from Universidad Panamericana and a Master in Business Administration from ITESM in Mexico. He is a graduate from Kellogg CEO Management Program and PADE - Senior Business Management Program from Barna Management School.

INDALECIO LOPEZ DEFILLO Chief Executive Officer BANCO DE AHORRO Y CRÉDITO JMMB BANK, S.A.

Indalecio brings over two decades of banking experience to the JMMB Group. Prior to his appointment as Chief Executive Officer for the Bank in 2019, Indalecio served as Client Partnership Country Head for JMMB DR, and was instrumental in the development of our integrated financial services model. As Chief Executive Officer, Indalecio continues to be integral to the success of our Dominican Republic operations. He holds a Business Administration degree from the Pontificia Universidad Católica Madre y Maestra and a Masters in Business Administration from the University Carlos III of Madrid.

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