Firm Profile > Albar & Partners > Kuala Lumpur, Malaysia

Albar & Partners
Suite 14-3, Level 14, Wisma UOA Damansara II
No.6 Changkat Semantan, Damansara Heights,
Kuala Lumpur
50490
Malaysia

Banking and finance Tier 1

The 'technically sound' practice at Albar & Partners specialises in high-value financing transactions for a range of international investors. Led by Lily Chea Li Tan, Swee Loong Chung and Sharifah Dalilah Albar, the team's 'great strength' is demonstrated by its full-service offering across the banking and finance field, including corporate lending, Islamic finance and Sukuk, and project finance. Tan and Abraham Tat Hon Teh advised a cross-border consortium of lenders on financing the SGD500m development of Central Boulevard in Singapore. The 'technically proficientSeet Hooi Ping is praised for her 'on the spot, accurate advice'.

Practice head(s):

Lily Tan Chea Li; Swee Loong Chung; Sharifah Dalilah Albar

Testimonials

Technically sound – understand regulations well and can advise accordingly on efficient tax planning.’

The team will be able to attend to the matter in a professional manner regardless of seniority.

Albar has shown great strength in advising the bank on legal issues and also the financing arrangement including giving input on the commercial aspect which is relevant to the business.

Key clients

AmInvestment Bank Berhad and Ambank (M) Berhad

CIMB Investment Bank Berhad and CIMB Bank Berhad

Hong Leong Investment Bank Berhad and Hong Leong Bank Berhad

Kuwait Finance House (Malaysia) Berhad

Maybank Investment Bank Berhad and Malayan Banking Berhad

MBSB Bank Berhad

OSK Holdings Berhad

Public Investment Bank Berhad and Public Bank Berhad

RHB Investment Bank Berhad and RHB Bank Berhad

United Oveseas Bank (Malaysia) Berhad

Capital markets Tier 1

The capital markets practice at Albar & Partners has recently demonstrated a particular strength in debt capital markets but also has impressive experience handling a range of equity and equity-linked products, including Leong Hup International's IPO. Managing partners Lily Chea Li Tan and Swee Loong Chung are names to note; Tan has experience assisting clients with IPOs, listings and delistings, as well as conventional bonds and Sukuks, while Chung focuses on advising on a range of debt capital market instruments.

Practice head(s):

Chung Swee Loong; Lily Chea Li Tan

Key clients

AmInvestment Bank Berhad and Ambank (M) Berhad

CIMB Investment Bank Berhad and CIMB Bank Berhad

Hong Leong Investment Bank Berhad and Hong Leong Bank Berhad

Kuwait Finance House (Malaysia) Berhad

Maybank Investment Bank Berhad and Malayan Banking Berhad

MBSB Bank Berhad

OSK Holdings Berhad

Public Investment Bank Berhad and Public Bank Berhad

RHB Investment Bank Berhad and RHB Bank Berhad

United Oveseas Bank (Malaysia) Berhad

Islamic finance Tier 1

Albar & Partners' practice has experience across a range of Islamic finance structures, including complex debt capital market transactions. The team counts a range of national and international financial services institutions among its clients, and attracts praise for 'not just assisting with the legal issues but also understanding the commercial intention'. Lily Chea Li Tan and Swee Loong Chung jointly head the team, handling a range of structured finance, Sukuk issuances and project financing transactions.

Practice head(s):

Lily Chea Li Tan; Swee Loong Chung

Key clients

AmInvestment Bank Berhad and Ambank (M) Berhad

CIMB Investment Bank Berhad and CIMB Bank Berhad

Hong Leong Investment Bank Berhad and Hong Leong Bank Berhad

Kuwait Finance House (Malaysia) Berhad

Maybank Investment Bank Berhad and Malayan Banking Berhad

MBSB Bank Berhad

OSK Holdings Berhad

Public Investment Bank Berhad and Public Bank Berhad

RHB Investment Bank Berhad and RHB Bank Berhad

United Oveseas Bank (Malaysia) Berhad

Corporate and M&A Tier 3

The 'skilful and committed' team at Albar & Partners attracts praise for its 'commercial mindset' and is instructed in a range of high-profile domestic transactions. Lily Chea Li Tan heads up the practice and has experience assisting across a range corporate transactions; other names to note include Natalie Suan Wan Peh who 'gives timely, clear and practical advice and is able to identify and deal with potential hurdles and issues early on', and Hooi Ping Seet, who splits her time between corporate and financing matters.

Practice head(s):

Lily Tan Chea Li

Testimonials

Albar & Partners’ worked seamlessly between the corporate and litigation departments. We were confident in the knowledge that the most experienced partner and team acted for us on each aspect of our transaction, whilst at the same time we were able to liaise with one partner for the overall conduct of the matter.’

The lawyers were intelligent and resourceful, and provided prompt and reliable advice.

Natalie Peh is outstanding at what she does; she is pro-active, competent and has a good grasp of the intricacies of the transaction.

Key clients

Airbus SAS

Boustead Plantations Berhad

Duopharma Biotech Berhad

FGV Holdings Berhad

Gamuda Berhad

Kumpulan Perangsang Selangor Berhad

Malakoff Corporation Berhad

Malaysia Building Society Berhad

Leong Hup International Berhad

Symphony House Berhad

Projects and energy Tier 4

Albar & Partners is a firm to note for project finance transactions, with experience advising both local and international financial institutions and borrowers. The group fields a multidisciplinary team which combines expertise from its corporate, and banking and finance practices – both of which benefit from Lily Chea Li Tan's diverse experience in corporate, M&A, conventional and Islamic finance and capital markets transactions – with its debt capital markets team, which is led by Swee Loong Chung.

Practice head(s):

Lily Tan Chea Li; Swee Loong Chung

Key clients

AmInvestment Bank Berhad & AmBank (M) Berhad

CIMB Investment Bank Berhad & CIMB Islamic Bank Berhad

Hong Leong Investment Bank Berhad & Hong Leong Bank Berhad

IGB Corporation Berhad

Maybank Investment Bank Berhad

MMC Corporation Berhad

Public Investment Bank Berhad & Public Bank Berhad

RHB Investment Bank Berhad & RHB Bank Berhad

UMW Holdings Berhad

Sapura Energy Berhad

The firm: Albar & Partners can trace its origins back to 1981. Today, Albar & Partners is an award-winning law firm based in Kuala Lumpur comprising over 40 fee earners with a dedicated support team of nearly 100. With comprehensive understanding of the financial markets and its wealth of experience, Albar & Partners is one of Malaysia’s leading law firms in banking and finance with a strong emphasis on capital markets, as well as corporate and commercial law. The firm’s reputation has been forged over the years by offering innovative and value-added solutions to clients, grounded in clarity, insight and win-win partnerships.

There are a set of values which underpin our objectives, corporate culture and the way we work at Albar & Partners:-

  • Leading Expertise. Delivered in Excellence.
  • Powered by Passion. Driven by Solutions.
  • Wealth of Experience

Areas of practice: Banking and finance: The award-winning Banking and Finance practice group offers a multitude of legal services for various transactions including corporate and syndicated lending, asset and share financing, acquisition and leveraged finance, mezzanine and structured finance, real estate and REIT finance, derivatives, interest and currency swap, cross-border and offshore lending.

The largest practice in the firm, Albar & Partners represent and advise both local and international financial institutions, state-owned entities, multi-national and government – linked corporations, public listed companies and conglomerates. The partners and associates have the requisite skills and depth of knowledge to advise on and structure transactions which are customised to clients’ needs coupled with a practical approach to balance between the parties’ objectives.

Capital markets: Albar & Partners bring the necessary expertise to meet the continuously evolving and diverse funding requirements of corporations in Malaysia. The debt capital markets team command vast experience in areas such as Sukuk, commercial papers, medium term notes, asset-backed securities and convertible and exchangeable securities whereas the equity capital markets team handle all aspects of domestic and cross-border transactions including IPOs, rights offering and private placements. Clients include advisers, agents, trustees, investors and issuers ranging from various industry sectors.

Corporate & Commercial: Albar & Partners provide advice on company and securities transactions dedicated towards serving the clients’ interests and goals in business. The firm acts in domestic and cross-border acquisition and divestments, corporate finance, M&A, take-overs and reverse take overs, joint ventures, privatisations, corporate restructuring and scheme of arrangements, foreign direct investment advice including formation and structuring of corporate entities. Industry sectors canvassed include Projects & Infrastructure, Securities regulations, ICT, Defence and Security, Government and Public Policy, Energy, Oil & Gas and Utilities Hospitality & Leisure.

Islamic finance: A pioneer in Islamic finance, Albar & Partners played a pivotal role in Malaysia’s first ever Islamic securitisation programme under the Shariah principle of Musyarakah arising out of a tri-partite Istisna’ contract. In addition, we take great pride in being involved in the world’s first ever Islamic principle-based plantation real estate investment trust. Drawing on the firm’s vast knowledge of the philosophy and application of Shariah principles, we are instrumental in advising and structuring numerous innovative Islamic financing transactions.

Litigation: The firm’s Litigation and ADR practice features lawyers who specialise in resolving disputes for various clients such as major local banks, financial institutions, insurance corporations, government linked companies and other conglomerates in Malaysia.

We participate in the full spectrum of dispute resolution and litigation mechanisms, ranging from negotiation, mediation, arbitration and conflict resolution to vigorous courtroom strategy, interlocutory applications, trials and appellate proceedings. The firm’s dedicated legal team provide counsel on a broad spectrum of legal issues including banking litigation, debt recovery, execution and enforcement proceedings, commercial litigation, construction disputes & arbitration, insolvency advice pertaining to liquidation, winding up, bankruptcy, special administrator, restructuring and appointment of receivers and managers.

Project finance: The dynamic practice is experienced in advising in project financing for various industry sectors such as construction, education, energy and power, healthcare, infrastructure, leisure, oil and gas, plantation and property development projects. Often involved at the very initial stages of negotiations, Albar & Partners plays an important role in the structuring process by helping clients to assess and contain risks to ensure adequate protection of interests.

Recent accolades: Islamic Finance Firm of the Year, Debt Market Deal of the Year and Real Estate Deal of the Year: ALB Malaysia Law Awards 2019

Acknowledged as an Outstanding Firm in Banking & Finance, Banking & Financial Services and Capital Markets by Asialaw Profiles (2020).

Ranked as a Top Tier Firm in Banking & Finance and Capital Markets by IFLR1000 (2020). 

Recognised as a Top Ranked Firm in Banking & Finance, Debt Capital Markets and Equity Capital Markets by Chambers Asia Pacific (2019).

4 times winner of the Projects Energy & Infrastructure Law Firm of the Year Award at the ALB Malaysia Law Awards.

Recent transactions:  Advised the issuer in the public offering of shares by Leong Hup International Bhd in conjunction with its listing on the Main Market of Bursa Malaysia in one of the largest IPOs in Malaysia for 2019.

Advised the principal advisers, joint lead arrangers and managers in the structured covered Sukuk Murabahah facility of up to RM2.295 billion by MBSB Bank Berhad (Debt Market Deal of the Year: ALB Malaysia Law Awards 2019).

Advised the vendor, Syarikat Pengeluar Air Selangor Holdings Berhad in the RM2.55 billion disposal of its entire equity interest and redeemable unsecured loan stocks of its subsidiary, Syarkat Pengeluar Air Selangor Sdn Bhd to Pengurusan Air Selangor Sdn Bhd.

Advised the mandated lead arrangers and bookrunners in a cross-border financing for a real estate development in Central Boulevard, Singapore by Novel Vortex Limited, a subsidiary of Malaysian property giant, IOI Property Group Berhad: (Real Estate Deal of the Year: ALB Malaysia Law Awards 2019).

Advised the purchaser, Malakoff Gulf Limited, a wholly-owned subsidiary of Malakoff International Limited which in turn is a wholly-owned subsidiary of Malakoff Corporation Berhad in the US$70 million proposed acquisition of the entire equity interest in Desaru Investment Limited from Khazanah Nasional Berhad.

Advised the principal advisers and joint lead arrangers in the RM1 biliion unrated medium-term note programme established by Tradewinds Hotels & Resorts Sdn Bhd, one of Malaysia’s largest hotel owners.

Advised Perangsang Dinamik Sdn Bhd in the RM311.25 million cross-border acquisition of entire issued share capital of Toyoplas Manufacturing Malaysia Sdn Bhd from Toyoplas Consolidated Limited.

Advised the issuer in the perpetual Islamic notes programme of RM2 billion based on the Shariah principle of Musharakah established by UMW Holdings Berhad (Musharakah Deal of the Year: IFN Law Awards 2018).

Advised Malaysia Building Society (MBSB) in its merger with Asian Finance Bank (AFB), in which MBSB acquired 100% equity interest in AFB in a RM2.2 billion deal creating the second largest stand-alone Islamic bank in Malaysia (Equity & IPO Deal of the Year award: IFN Law Awards 2018).

Advised the issuer in the RM2 billion Sukuk Programme for Senior and Subordinated Sukuk Murabahah established by Danajamin Nasional Berhad, Malaysia’s first financial guarantee insurer (Commodity Murabahah/Tawarruq Deal of the Year: IFN Law Awards 2017).

Advised the principal advisers in the RM800 million unrated perpetual Sukuk Wakalah established by Tanjung Bin Energy Sdn. Bhd (Perpetual Deal of the Year: IFN Law Awards 2017). Advised the issuer in Serba Dinamik Holdings IPO (Equity Market Deal of the Year: ALB Malaysia Law Awards 2017).

Department Name Email Telephone
Banking and finance Lily Chea Li Tan
Banking and finance Swee Loong Chung
Banking and finance Sharifah Dalilah Albar
Competition Natalie Suan Wan Peh
Competition Hooi Ping Seet
Corporate advisory & M&A Lily Chea Li Tan
Corporate advisory & M&A Natalie Suan Wan Peh
Corporate advisory & M&A Hooi Ping Seet
Corporate advisory & M&A Cassandra Hogg
Debt capital markets & securitisation Lily Chea Li Tan
Debt capital markets & securitisation Swee Loong Chung
Debt capital markets & securitisation Sharifah Dalilah Albar
Equity capital markets Lily Chea Li Tan
Equity capital markets Natalie Suan Wan Peh
Equity capital markets Cassandra Hogg
Islamic Finance Lily Chea Li Tan
Islamic Finance Swee Loong Chung
Islamic Finance Sharifah Dalilah Albar
Project finance (inc infrastructure & energy) Lily Chea Li Tan
Project finance (inc infrastructure & energy) Swee Loong Chung
Project finance (inc infrastructure & energy) Sharifah Dalilah Albar
Risk and knowledge management Sweet Ping Phang
Capital Markets Lily Chea Li Tan
Capital Markets Swee Loong Chung
Capital Markets Natalie Suan Wan Peh
Capital Markets Hooi Ping Seet
Capital Markets Cassandra Hogg
Corporate & Commercial Lily Chea Li Tan
Corporate & Commercial Natalie Suan Wan Peh
Corporate & Commercial Hooi Ping Seet
Corporate & Commercial Cassandra Hogg
Litigation & Alternative Dispute Resolution V. Vijakumar
Litigation & Alternative Dispute Resolution Raiza Zakaria
Photo Name Position Profile
Ms Sharifah Dalilah Albar  photo Ms Sharifah Dalilah Albar
Dato Narayanan Chandran  photo Dato Narayanan Chandran
Mr Swee Loong Chung  photo Mr Swee Loong Chung
Ms Cassandra Hogg  photo Ms Cassandra Hogg
Ms Izian Idiawaty Husin  photo Ms Izian Idiawaty Husin
Mr Niv Chiw Poh Lee  photo Mr Niv Chiw Poh Lee
Ms Nurbaiyah Mohamad Salleh  photo Ms Nurbaiyah Mohamad Salleh
Ms Natalie Suan Wan Peh  photo Ms Natalie Suan Wan Peh
Ms Sweet Ping Phang  photo Ms Sweet Ping Phang
Ms Alicia Ling San Phang  photo Ms Alicia Ling San Phang
Ms Hooi Ping Seet  photo Ms Hooi Ping Seet
Ms Lily Chea Li Tan  photo Ms Lily Chea Li Tan
Mr Abraham Tat Hon Teh  photo Mr Abraham Tat Hon Teh
Mr V. Vijakumar  photo Mr V. Vijakumar
Ms Raiza Zakaria  photo Ms Raiza Zakaria
Number of lawyers : 43
English
Bahasa Malaysia
Chinese (Mandarin)
Tamil
Contacts : Ms. Lily Tan Chea Li (Joint Managing Partner)
Contacts : Mr. Chung Swee Loong (Joint Managing Partner)

CLIENT #1: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Very good in the drafting of documents”


CLIENT #2: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Albar & Partners is perhaps the best legal firm in Kuala Lumpur for corporate transactions.”


CLIENT #3: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “They are willing to go the extra mile for us.”


CLIENT #4: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “…they provide valuable legal input, are responsive to issues, and always meet expectations in terms of quality for assigned tasks.”


CLIENT#5: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “good technical knowledge and professionalism.”


CLIENT #6: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “…fast turnaround of work whilst maintaining the necessary quality.”


CLIENT #7: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Good and commercially balanced advice.”


CLIENT #8: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Committed to assignment with professional legal advice, quick response time and good drafting skills. Demonstrated commendable experiences in debt capital market transactions.”


CLIENT #9: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Strong legal advisory.”


CLIENT #10: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Technically sound, and provides good practical advice.”


CLIENT #11: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Very well-versed in Islamic finance”.


CLIENT #12: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “The responsive, experienced team at Albar & Partners has in-depth knowledge and provides constructive solutions.”


CLIENT #13: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Albar & Partners has excellent technical skills coupled with commercial feel and understanding. Both the Banking & Finance and Capital Markets teams that we have worked are very responsive and pragmatic. All members have exhibited extremely good interpersonal skills, especially when dealing with our operational and commercial teams.”


CLIENT #14: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Their debt capital markets team have always been top-notch. Albar & Partners achieves the right balance between what investors and issuers are looking for. They have a knowledgeable and hardworking team. They can always be counted on to complete any assignment well.”


CLIENT #15: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Albar & Partners has a core team of senior partners that can be relied on. The partners are very hands-on in identifying the issues and providing options and advice; when it was crunch time, they were really involved and delivered. They have a big team to put on the transactions, with very solid and experienced associates who were able to deliver without having to wait for senior partners.”


CLIENT #16: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “The firm’s efficiency, experience, legal knowledge, and courteous service will be always appreciated. I have nothing but good things to say of the dispute resolution and litigation team at Albar & Partners”.


CLIENT #17: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Lily Tan Chea Li is a very strong lawyer.”


CLIENT #18: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Lily Tan Chea Li is a great partner who reverts in a timely manner.”


CLIENT #19: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Lily Tan Chea Li is a very experienced lawyer who has provided valuable services to the industry for more than 20 years.”


CLIENT #20: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Lily Tan Chea Li, Chung Swee Loong are very experienced lawyers in the banking and finance sector. Reliable, professional with quality service provided.”


CLIENT #21: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Lily Tan Chea Li has the two key attributes that we are looking for – strong technical expertise as well as good business acumen. She is always a pleasure to work with, given her positive attitude, cooperative approach and overall friendliness”.


CLIENT #22: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Lily Tan Chea Li has in-depth industry knowledge. She is very candid, straightforward and able to come up with solutions to issues and provide value-added advice.”


CLIENT #23: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Chung Swee Loong does a substantial amount of conventional and Islamic banking.”


CLIENT #24: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL:”Chung Swee Loong is top-notch for banking. You can totally rely on him if you want something complex done.”


CLIENT #25: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Chung Swee Loong is very experienced and has the ability to combine commercial knowledge with legal expertise, whilst also possessing a deep knowledge of Malaysia’s debt capital markets.”


CLIENT #26: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Chung Swee Loong has the ability to grasp commercial terms and transfer them to the legal documents. He is extremely diligent, commercially minded and able to articulate his views well. He always finds solutions and has a reputation as a deal closer.”


CLIENT #27: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Chung Swee Loong has strong technical ability and sound understanding of the business environment his client operates in. He has excellent negotiations skills and superb expertise, particularly in Islamic financing. If I have a complex transaction, I would go to him. He’s well regarded in the market.”


CLIENT #28: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Mr. V.Vijakumar is highly recommended because of his great experience in the area of civil litigation and contractual disputes. He personally attends to matters and has always provided support on short notice.”


CLIENT #29: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “I had the pleasure of dealing directly with both Mr. V. Vijakumar and Datuk Chandran. I recall their immediate responses, valuable opinion and personal attention to the cases. Given the aforementioned, needless to say Albar & Partners was always my preferred choice whenever decisions on solicitors’ appointments had to be made.”


CLIENT #30: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Lily Tan Chea Li and Natalie Peh are a good mix of commercial and academics, and are very pleasant to work with. We work well with their team, even at ungodly hours in the night.”


CLIENT #31: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Lily Tan Chea Li and Cassandra Hogg and their team of associates are highly capable and have sound knowledge in the legal matters/issues that were highlighted to them. They were able to explain and break down complex issues into something that is easily understood by the client.”


CLIENT #32: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Natalie Peh is sound and knowledgeable in legal aspects, fast and responsive in execution.”


CLIENT #33: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Seet Hooi Ping is very good, timely and accurate.”


CLIENT #34: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Seet Hooi Ping is precise and gives good advice.”


CLIENT #35: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Cassandra Hogg was instrumental in coordinating the information gathering, providing a very in-depth yet practical approach in various issues, particularly matters dealing with relevant authorities.”


CLIENT #36: – personal details undisclosed –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Sharifah Dalilah Albar is good.”


CLIENT #37: – personal details –
COMPANY/FIRM: – confidential –
TESTIMONIAL: “Niv Lee Chiw Poh is meticulous, consistent “