Yap is a seasoned commercial and investment banker, and investment manager with over 20 years of experience in Asia Pacific. Specialties: Investments in credit, real estate, private equity Credit risk management Business development - commercial lending, mergers and acquisitions, capital markets Asset management establishment in Asia Pacific

Managing Director @ Gemini Capital a privately held company headquartered in Hong Kong. Our mission is to seek investment opportunities for our stakeholders, to enhance wealth and to provide a steady stream of regular income. We adapt a simple investment strategy of finding value in income generating assets and corporates. We believe that there exists many favorable investment opportunities in Asia. We look to capitalize on such opportunities by also investing in stressed and distressed situations. From January 2009 to Present (7 years) Responsible Officer @ From 2011 to 2014 (3 years) Hong KongHead of Structured Credit Markets @ Responsibilities: Involved in credit trading, illiquid investments, asset repacks, credit derivatives structuring, infrastructure investments and regulatory/accounting solution trading. From March 2008 to January 2009 (11 months) Hong KongManaging Director @ Responsibilities: Prospected and managed relationship with financial institutions including Banks, Insurance Companies, Asset Management firms in Hong Kong. Marketed structured solutions to financial institutions. Structured, sourced and placed deals for Real Estate group. Achievements: In 2007, launched and placed a USD3billion loan fund to invest in first lien US LBO loans at stressed prices. In 2006, established Financial Institutional coverage group delivering structured solution to banks, insurance companies, money management firms; and established Hedge Fund Credit coverage group. In 2004, setup dedicated coverage group for 3rd parties distribution and private banks coverage. In 2002, created a retail franchise in Hong Kong and Singapore for Structured Credit products. In 2002, led coverage to mainland Chinese financial institutions. In 1998, serviced clients and firm’s needs during the Asian Financial crisis. Since 1996, established central banks and financial institutions relationship throughout South East Asia and Greater China region. From August 1994 to March 2008 (13 years 8 months) Deputy Manager, Corporate Banking @ Corporate Banking From June 1989 to July 1992 (3 years 2 months) Singapore

MBA, Finance, Management @ New York University - Leonard N. Stern School of Business From 1992 to 1994 DBA candidate, Social Impact Investing @ City University of Hong KongBSc, Computer Science, Finance @ University of Oregon - Charles H. Lundquist College of Business From 1983 to 1986 Catholic High School From 1979 to 1982 Richard Yap is skilled in: HK SFC Type 1, 4 & 6 Qualified, Responsible Officer Qualified, Capital Markets, Private Equity, Credit Risk, Commercial Lending, Business Development, Real Estate, Hedge Funds, Fixed Income, Investment Banking, Derivatives, Investment Management, Asian Business, Social Entrepreneurship, Trading