Mr. Or has served as Independent Non-executive Director of the Bank since May 2012. Mr. Or previously served as General Manager and Director of The Hongkong and Shanghai Banking Corporation Limited, Chairman of HSBC Insurance Limited, Chief Executive and Vice Chairman of Hang Seng Bank Limited, Chairman of Hang Seng Insurance Company Limited and Hang Seng Bank (China) Limited, Director of Cathay Pacific Airways Limited, Director of Hutchison Whampoa Limited, Vice Chairman and Independent Non-executive Director of G-Resources Group Limited, and Vice Chairman and Non-executive Director of Aquis Entertainment Limited. He was Chairman of the Hong Kong Association of Banks, Vice President and a Council Member of the Hong Kong Institute of Bankers, Chairman of the Financial Services Advisory Committee and a member of the Services Promotion Program Committee of the Hong Kong Trade Development Council, a member of the Risk Management Committee of the Hong Kong Exchanges and Clearing Limited, a member of the Aviation Development Advisory Committee, Chairman of Executive and Campaign Committee of the Community Chest of Hong Kong, Acting Chairman of the Council of City University of Hong Kong, a Council Member of The University of Hong Kong, and an Adviser of the Employers’ Federation of Hong Kong. Mr. Or currently acts as Chairman and Non-executive Director of China Strategic Holdings Limited, Executive Chairman and Executive Director of Esprit Holdings Limited, Independent Non-executive Director of Chow Tai Fook Jewellery Group Limited, Television Broadcasts Limited and Regina Miracle International Ltd., and Vice Patron of the Board of the Community Chest of Hong Kong. Mr. Or graduated from The University of Hong Kong with a Bachelor’s degree in Economics and Psychology. He is an Honorary Doctorate of Social Science of City University of Hong Kong. Mr. Or was awarded a Silver Bauhinia Star from the Hong Kong Special Administrative Region in 2009. He is an Honorary University Fellowships from The University of Hong Kong, an Honorary Fellowship from Hang Seng Management College, and a Justice of the Peace.