General Manager: Ammoun International Investments, Group CFO: Comatec Holdings,

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1 Emad M. Ghannam e_ghannam@yahoo.com Executive Summary: Key Roles: General Manager Group CFO Investment Director Real Estate Investment Specialist Education: MBA / Accounting: University of jordan, 2004 Bsc / Accounting: University of Jordan, 2000 Work Experience: General Manager: Ammoun International Investments, Regional Manager-Jordan/Acting Group CFO: The International Group for Construction, Group CFO: Comatec Holdings, Investment Director: Tamleek Real Estate, Finance Manager: Barter Card Jordan, Cash & Stock Controller/Accountant: Fast link (Zain Telecom),

2 Emad M. Ghannam e_ghannam@yahoo.com Summary & Objectives: With the accumulated and diversified experience I had in the different disciplines of management, strategic planning, change management, Admin, HR, Legal, Marketing, operations on top of finance and accounting, and the wide exposure to different types of businesses including telecom, construction, trade, investment, real estate and others, and building on my academic background and personal skills of computer literacy, decision making and very good communication and negotiation skills, written and oral, I find myself confident to move forward in my career plan. Education: MBA, 6/2004, Jordan university, with a theses on Life Cycle Effect on the relationship between Income & Earnings Bachelor degree in Accounting, 1/2000, Jordan university, 3.59 out of 4 Secondary School certificate, scientific section, 6/1996, Amman, % 91.3 Core Competencies: 1- Leadership, Management and Development: Which includes team building and development, setting vision, strategies and objectives, managing and allocating resources and mixing production factors to get missions done. 2- Business Planning, Feasibility Studies, Equity Valuation and Financial Modeling: Developing feasibility studies and financial models for companies and projects in Jordan, Iraq, KSA and Lebanon including (for example): In Jordan: In Iraq: USD 1.8 billion residential compound Residential Compound Commercial Tower (and several Water Park Commercial and office buildings) Entertainment Park Real estate investment fund Five-Star Hotel Stock exchange brokerage company Hospital ISP and telecom company Malls and Commercial Towers FMCG distribution company Parking Building KG and primary school Drug store and medicine dealership In KSA & Lebanon: Telecom Contracting Company Telecom Companies Four-Star Hotel Wedding Halls Complex

3 3- Business Structuring and Establishment: For several companies I joined during pre-establishment or afterward, I managed: Organization Structure Definition Goals, Objectives, Strategies, Mission, Vision, Work Flows and SOP s Job Descriptions, Man power plans and salary scales Writ ups and marketing material IT infrastructure and other logistics 4- Legal: Contracts and Corporate Law: Initiate, evaluate and amend contracts and agreements (both languages) Initiate, evaluate and amend articles of association Study and analyze corporate laws, tax laws and labor law to evaluate certain cases 5- ERP & CRM Customization and Implementation: Which extended to work closely with the developers (UBA SAGE CRM dealer) to develop a new real estate management module 6- Real Estate Valuation 7- Budgeting and Financial Planning 8- Representation and Negotiation 9- Training and Human Capital Development 10- Strategic Planning, Business Analysis, Business Process Reengineering and Change Management 11- Training: on all of the above mentioned expertise. Work Experience: Ammoun International Investments PLC: November 2013 May A 6 million JOD public listed company that owns and manages a diversified portfolio of investments, including pharmaceutical company, land bank, 4-star hotel and a stock portfolio. - General Manager: This position includes working on: a) Team building, development, training and restructuring. b) Re-defining the company's vision, mission, strategies, polices and objectives and creating SOP's, workflows and internal control procedures. c) Re-structuring the investment portfolio d) Representation, negotiation, PR and conflict solving e) Promoting investment opportunities to potential investors, and preparing prospectuses f) Promoting for-sale properties g) Managing relations with the subsidiaries, consultants, free-lancers and governmental authorities h) Website creation, structuring and content. i) Cash flow management and disbursements signature j) Board of directors communications, presentations, arrangements and proposing plans. k) Managing reporting requirements to the Stock Exchange and other authorities.

4 -Major achievements with Ammoun Co.: a) Winning an award from the JASI and SEC for correcting the company's position b) Winning a law case of 4 million JOD c) Initiating, managing and completing a 1 million JOD decoration and furniture contract d) Saving a 0.5 million JOD in a single acquisition transaction e) Stopping losses of the stock portfolio The International Group for Construction - IGC: September 2011 October An Iraqi group of companies operating in Iraq, with headquarters/regional office in Amman-Jordan, as well as Lebanon and UAE, providing a full set of construction-related services including Engineering services, procurement and contracting (EPC) - Regional Manager - Jordan: a) Managing a team of 12 members; engineers, procurement, commercialm IT, HR & accounting b) Business planning and Feasibility studies c) Creating & redesigning organization structure, workflows, SOP s and IT infrastructure. d) Monitoring and supervision on HR, IT and Marketing departments e) Legal contracts revisions and initiation f) Company representation and negotiations / Deal making and structuring g) International trading, shipping and clearence. h) Public relations and generating business leads i) Exhibitions management. - Acting Group CFO: for the period from January November 2012: a) Creating, developing and implementing a full written financial system, including policies, procedures, workflows and applications b) Building the finance team and recruitment in both Jordan and Iraq c) Budgetting and financial planning d) Financial Control Comatec Holdings: October September 2011 An international group of telecom companies operating in Jordan, Egypt, Palestine, Cyprus and several other countries, specialized in various telecommunication services including infrastructure contracting, broad band, wi-fi, ISP and other telecom solutions. - Group CFO: a) Merger and acquisition management, modeling and equity valuations b) Private placement management c) Equity Valuations, business planning and feasibility studies d) Financial policies and procedures set up e) Banks relations and debts management f) Consolidated financial reporting g) Work flows and control system h) Regional offices financial management

5 Tamleek Real Estate Development, October October 2009: A local, 25 million JD equity company specialized in real estate investment and development activities, locally and internationally. - Director of Investments / Strategic planning: a) IPO management: financial and legal documentation. a) Plan and execute creation of a local real estate fund. b) Plan and lead promotion and sales campaigns for investment products. c) Recruit, train and lead a team of private placement officers. d) Developing private placement memorandums. e) Strategic planning, implementation and monitoring f) Managing the processes of evaluating, customizing and installing a CRM solution g) Sales and marketing planning - Research and Development Manager a) Business analysis: analyze, evaluate, assess and recommend on investment and managerial decisions. b) Preparation of all materials and presentations required by the decision maker (Board of Directors) c) Real estate market studies and surveys. d) Development of each project s idea, framework, concept, feasibility study, business plan, marketing plan and action plan. e) Cash flow modeling f) Property valuation g) Real estate management (property management). h) Promoting and selling real estate products, investment opportunities and software packages i) Creation of company s policies (HR, Admin & Finance), procedures, flowcharts, write-up, profile and marketing materials. j) Initiating and reviewing legal contracts. k) Monitoring and controlling construction time schedules and budgets. l) Managing Investors relationship and correspondences. m) Events management Barter Card Jordan, Financial Manager, October October 2004, this role included a) Managing accounting & finance department. b) Monthly/annual financial reporting, budgets and Variance analysis (performance control). c) Break-even analysis (per department). d) Managing relations with banks and governmental parties. e) Sales tax reporting and management. f) Payroll and social security. Fast link (Zain Telecom), Accountant and Cash & stock controller, April April 2003 this role included handling accounts payable, bank reconciliation, cash flow and warehousing

6 Events & Conferences: Cityscape Abu Dhabi 2008 (Exhibitor), the international property investment and development event, 13 16/5/2008. Kuwait International Property Show, 14 18/4/2008. PrepertyLink 07, Jordan Real Estate Investment Exhibition, Amman, Zara Expo, 2-4/5/07 (Exhibitor). Cityscape 2006, the international property investment and development event, Dubai International Exhibition and Convention Centre, 4 6/12/2006. Ekar Invest & Project Jordan, Real Estate, Investment and Banking Exhibition, International Exhibition Center, Al Abdali, 6-10/11/2006. PrepertyLink, Jordan Real Estate Investment Exhibition, Amman, Leroyal Hotel, 2-4/5/06 (Exhibitor). Jordan Economic Forum 2 nd, Amman, LeRoyal Hotel, 27-28/11/2005. Cityscape 2005, the international property investment and development event, Dubai International Exhibition and Convention Centre, 17 19/9/2005. Training: Practical cases of KPI's, By Amman Chamber of Commerce, Amman July 2017 Integrated Skills in Training Administration &TOT, By Amman Chamber of Commerce, Amman 9-11 Jan IFRS Updates Seminar, by KPMG, Amman, December 20 th Islamic Investment Sukuk, Amman Stock Exchange, Amman May Corporate Governance Score Card, By Amman Stock Exchange & IFC, Amman Nov HR Management: Evaluating Employees' Performance, by Amman Chamber of Commerce & Change Zone, Amman Nov Corporate Governance for SME's workshop, by International Finance Corporation -IFC & Jordan Institute of Directors - JIOD, Amman, Jordan Businessmen association JBA, Jan Real Estate Valuation, valuation techniques and cash flow modeling, by German university / Abu Ghazalih Academy, Amman, 3/2008. Real Estate Investment Masterclass, investment modern models applied in real estate industry in US, UK, Europe and Asia, detailed market analysis, performance comparison, trends and predictions. By Terrapinn Financial Training-England, Dubai, Bustan Rotana Hotel, 11/2006. Real Estate Finance and Investment Work Shop, financial instruments for property development and investment, and the different ways of valuing property, by IIRME, Dubai, Dusit Hotel, Detection of forgery & counterfeiting, The Arab Academy for Banking & Finance, 7/2002 Other programs including Mind Mapping, Sales Tax, Leading Proffessional Sales, Sales Management, Recruitment skills, Time Management, Body Language, Communication Skills, Negotiation skills, Public Relation, Public Speeches, Journalist Writing and tele-scripting. General Reviews & Special interests: Training and lecturing Legal: Contracts, Corporate law, Labor law and Tax law HR, Sales and Marketing