How to Play Baccarat at Online Casinos Why Learning Baccarat at Online Casinos Matters Baccarat is a game that combines simplicity with strategic depth, making it a favorite among seasoned players. Understanding how to navigate online baccarat is crucial not only for enjoyment but also for maximizing your winning potential. Online casinos like PupaLupa Casino UK offer various baccarat variants, each with unique rules and payout structures, enhancing the overall gaming experience. Understanding the Basics: Game Variants Before diving into gameplay, it’s essential to familiarize yourself with the different variants of baccarat available at online casinos: Classic Baccarat: The traditional version, appealing to purists. Punto Banco: The most common variant, where the player and banker each receive two cards. Baccarat Chemin de Fer: Players take turns being the banker, adding a social element. Baccarat Banque: Similar to Chemin de Fer but with fixed banker rules. Each variant has its own strategic nuances and betting options, influencing your approach to the game. The Math Behind Baccarat: Odds and House Edge Understanding the mathematical aspects of baccarat can significantly impact your betting strategy. Here’s a breakdown of the house edge associated with different bets: Bet Type House Edge (%) Payout Player Bet 1.24 1:1 Banker Bet 1.06 1:1 (minus 5% commission) Tie Bet 14.36 8:1 or 9:1 (depending on the casino) The banker bet offers the best odds, making it the preferred choice for many players. Understanding these numbers helps in making informed betting decisions. Gameplay Mechanics: Step-by-Step Guide To play baccarat online, follow these steps: 1. **Choose a Reputable Casino**: Ensure the site is licensed and offers a user-friendly interface. 2. **Select Your Bet**: Choose between the player, banker, or tie bet. 3. **Place Your Wager**: Input your desired bet amount, adhering to the casino’s minimum and maximum limits. 4. **Deal the Cards**: The dealer will deal two cards each to the player and banker. 5. **Calculate the Scores**: The goal is to have a hand value closest to 9. Note that only the last digit of the total counts. 6. **Determine Winning Bet**: The winning hand is declared, and payouts are made accordingly. Mastering these steps can enhance your confidence and efficiency while playing. Bankroll Management: Setting Limits Effective bankroll management is essential for long-term success in baccarat. Here are some strategies to consider: Set a Budget: Decide how much you are willing to spend before playing. Use a Betting System: Consider employing strategies like the Martingale or Paroli systems to manage your bets. Time Management: Allocate specific time periods for gameplay to avoid impulsive betting. Establishing these practices not only enhances your gaming experience but also mitigates risks. Hidden Risks: What to Watch Out For While baccarat is relatively straightforward, there are hidden risks that players should be aware of: 1. **RTP Variability**: Different online casinos may have varying Return to Player percentages, affecting your long-term returns. 2. **Commission Fees**: The banker bet incurs a 5% commission, which can add up over time. 3. **Emotional Betting**: Avoiding emotional decisions is crucial; stay disciplined and stick to your strategy. Being aware of these factors can help you navigate the game with greater awareness and control. Conclusion: Embrace the Strategy Playing baccarat at online casinos requires a blend of understanding, strategy, and risk management. The more you familiarize yourself with the game’s intricacies, the better equipped you’ll be to enjoy a successful gaming experience. By leveraging the insights provided, you can elevate your baccarat play to new heights.

Bet Type	House Edge (%)	Payout
Player Bet	1.24	1:1
Banker Bet	1.06	1:1 (minus 5% commission)
Tie Bet	14.36	8:1 or 9:1 (depending on the casino)

HO PUI HOLD

Independent Non-Executive Director

Male | 44 | Malaysian

Ho Pui Hold, Male, aged 44, Malaysian citizen, is the Independent Non-Executive Director of Ecobuilt. He was appointed to the Board on 29 May 2026. He is a Fellow Member of the Association of Chartered Certified Accountants (ACCA), a Member of the Malaysian Institute of Accountants (MIA), and a Member of the ASEAN Chartered Professional Accountants (ASEAN CPA). He has over 20 years of experience in auditing, banking, and corporate finance. He began his career in 2004 as an Initial Public Offering (“IPO”) consultant with a Singapore-based advisory firm and subsequently served as a Senior Audit Associate with Ernst & Young. He later joined AmBank (M) Berhad’s Corporate & Institutional Banking division, where he was involved in credit evaluation and corporate banking products, including debt capital markets, loan syndication, corporate finance advisory, and treasury products. He also served as Chief Financial Officer of a Bursa Malaysia-listed foreign company until 2013. He is the Chairman of the Audit Committee and member of the Nomination and Remuneration Committee of the Company. He has no family relationship with any other Directors and/or major shareholders of the Company. He has no conflict of interest with the Group and has not been convicted of any offences within the past five years other than traffic offences, nor has he been subjected to any public sanction or penalty imposed by regulatory authorities. At present, he is the Independent Non-Executive Director in Permaju Industries Berhad and EP Manufacturing Bhd, companies listed on Bursa Malaysia.

KUNAMONY A/P S.KANDIAH

Independent Non-Executive Director

Female | 75 | Malaysian

Kunamony A/P S.Kandiah, Female, aged 75, Malaysian citizen, is the Independent Non-Executive Director of Ecobuilt. She was appointed to the Board on 19 May 2026. She graduated with a Bachelor of Laws (Hons) Degree from the University of Buckingham, United Kingdom. She is also a Barrister-at-Law of the Middle Temple, Inns of Court, United Kingdom. She is an Advocate & Solicitor of the High Court of Malaya and currently a senior partner of Messrs. Mohd Latip & Associates. She has more than 34 years of legal experience. Throughout her legal practice, she has handled a wide range of matters, with particular focus on company and corporate law, probate and family law. She specialises in the restructuring and rehabilitation of ailing companies, including both public listed and private limited companies. She has served several terms as a Committee Member of the Selangor Bar and the State Bar of Selangor. She was also appointed as a Panel Member of the Investigating Tribunal Boards and is the Vice-President of the Arthritis Foundation Malaysia. She is the member of the Audit Committee and Nomination and Remuneration Committee of the Company. She has no family relationship with any other Directors and/or substantial shareholders of Ecobuilt. She has no conflict of interest with the Group other than that which has been disclosed to the Board of Directors (if any). She has no convictions for any offences within the past 5 years other than traffic offences or any public sanction or penalty imposed by the regulatory bodies during the financial period. At present, she is the Senior Independent Non- Executive Director in mTouche Technology Berhad, Independent Non-Executive Director in Permaju Industries Berhad, Meridian Berhad and PNE PCB Berhad, companies listed on Bursa Malaysia.

LEE KUAN VUN

Independent Non-Executive Director

Male | 57 | Malaysian

Lee Kuan Vun, Male, aged 57, a Malaysian citizen, is the Independent and Non-Executive Director of Ecobuilt. He was appointed to the Board on 06 February 2025. He obtained Bachelor of Arts (Hons) Degree in Accounting & Finance from Lancaster University in the United Kingdom. He has over 30 years of experience in banking, loan recovery, asset management and credit restructuring across various financial institutions, including SME Bank, RHB Bank and Kwong Yik Bank. Throughout his career, he has held senior leadership positions in credit risk management and recovery functions, where he was responsible for managing impaired loan portfolios, developing restructuring strategies and overseeing asset recovery operations across regional markets. He was Senior Vice President & Head of Loan Recovery at RHB Bank Berhad, Vice President of Corporate & Commercial Recovery at RHB Bank Berhad, Assistant Vice President of Credit PJ Business Banking Group at RHB Bank Berhad, Commercial & Corporate Credit Executive at Kwong Yik Bank Berhad, and Vice President – Head of Collection at SMEB Asset Management Sdn Bhd. He is the member of the Audit Committee and Chairman of the Nomination and Remuneration Committee of the Company. He has no family relationship with any other Directors and/or substantial shareholders of Ecobuilt. He has no conflict of interest with the Group other than that which has been disclosed to the Board of Directors (if any). He has no convictions for any offences within the past 5 years other than traffic offences or any public sanction or penalty imposed by the regulatory bodies during the financial period. He does not hold any directorship in other public companies and listed issuers.

OOI CHOK WEI

Independent Non-Executive Director

Male | 42 | Malaysian

Ooi Chok Wei, Male, aged 42, Malaysian citizen, is the Independent Non-Executive Director of Ecobuilt. He was appointed to the Board on 04 March 2026. He has a strong background in corporate law and legal advisory. He is an Advocate & Solicitor of the High Court of Malaya, holds a Bachelor of Laws (Hons) Degree from the University of London, and holds a Certificate in Legal Practice (CLP) from the Legal Profession Qualifying Board. With 15 years of legal practice experience, he is a highly accomplished legal professional who has advised corporate groups, public listed and private companies, financial institutions, and property developers. He has expertise in corporate advisory, commercial transactions, conveyancing, litigation, and regulatory compliance. In his practice at Messrs San & Associates, he brings extensive knowledge in guiding companies through structural changes, governance frameworks, and board-level decision making. Throughout his career, Mr. Ooi has managed functions such as drafting and negotiating joint venture contracts, shareholders’ agreements, and crossparty commercial arrangements, while overseeing comprehensive due diligence processes to mitigate legal risks under Malaysian corporate law. He is a member of the Nomination and Remuneration Committee of the Company. He has no family relationship with any other Directors and/or substantial shareholders of Ecobuilt. He has no conflict of interest with the Group other than which has been disclosed to the Board of Directors (if any). He has no convictions for any offences within the past 5 years other than traffic offences any public sanction or penalty imposed by the regulatory bodies during the financial period. He does not hold any directorship in other public companies and listed issuers.

TEE JING KWAN

Executive Director

Male | 46 | Malaysian

Tee Jing Kwan, Male, aged 46, Malaysian citizen, is the Executive Director of Ecobuilt. He was appointed to the Board on 19 May 2026. He holds a Diploma in Quantity Surveying from Tunku Abdul Rahman College. He has more than 20 years of experience in the construction and property development industry, involving residential, commercial and industrial projects.

He started his career in quantity surveying and progressed into senior management roles, with experience in project management, contract administration, cost control and coordination with developers, consultants, authorities and contractors. He has no family relationship with any other Directors and/or substantial shareholders of Ecobuilt. He has no conflict of interest with the Group other than which has been disclosed to the Board of Directors (if any). He has no convictions for any offences within the past 5 years other than traffic offences any public sanction or penalty imposed by the regulatory bodies during the financial period. He does not hold any directorship in other public companies and listed issuers.

DATO’ NOORDIN BIN SULAIMAN

Non-Executive Chairman

Male | 69 | Malaysian

Dato’ Noordin Bin Sulaiman, Male, aged 69, Malaysian citizen, is the Non-Executive Chairman of Ecobuilt Holdings Berhad. He was appointed to the Board on 01 November 2018. He graduated with Bachelor Degree (Hons) from University Malaya in 1980. He then obtained his Diploma in Public Management and Diploma in Management Science from Institut Tadbiran Awam Negara (INTAN) in 1981 and 1986 respectively.

He started his career in 1981 as Assistant Director in the Implementation and Coordination Unit, Prime Minister’s Department. Throughout his 36 years of service with the Government, he was involved in several roles and various capacities. Prior to his retirement, he held the position of State Financial Officer for Selangor Government from 2012 to 2017. He has no family relationship with any other Directors and/or substantial shareholders of Ecobuilt. He has no conflict of interest with the Group other than that which has been disclosed to the Board of Directors (if any). He has no convictions for any offences within the past 5 years other than traffic offences or any public sanction or penalty imposed by the regulatory bodies during the financial period. He does not hold any directorship in other public companies and listed issuers.

NG CHOON KEITH

NG CHOON KEITH
Executive Director and Chief Executive Officer
Male | 40 | Malaysian
Ng Choon Keith, Male, aged 40, a Malaysian citizen, is an Executive Director and Chief Executive Officer of
Ecobuilt. He was appointed to our Board on 28 April 2023.
He holds a Bachelor of Construction Management & Economics (Hons) degree with a major in Quantity Surveying
from the University of South Australia, Adelaide, SA, which he earned in 2006.
With over 20 years of senior leadership experience in construction and building managemet, Mr Ng excels in
strategic planning, P&L management, and cost control. He is renowned for his ability to secure major tenants,
resolve regulatory issues, and optimize revenue streams. He has been an Executive Director at Kota Kelang
Group since February 2010, where he oversees multiple companies and construction projects while providing
strategic direction and mentorship to his team. Before this, he worked as a Quantity Surveyor and Cost Engineer
Controls at Currie and Brown Adelaide, contributing to various high-value projects. He also maintains affiliations
with industry organizations.
His professional skills encompass expertise in cost management systems, proficiency in MS Project, and fluency
in multiple languages to facilitate effective communication.
He is the son of Datuk Ng Seing Liong PJN, JP, the Non-Independent Non-Executive Director of Ecobuilt. He has
no conflict of interest with the Group other than that which has been disclosed to the Board of Directors (if any).
He has no convictions for any offences within the past 5 years other than traffic offences or any public sanction
or penalty imposed by the regulatory bodies during the financial year. He does not hold any directorship in other
public companies and listed issuers.

DATO INDERA TUN PUTERA MATIN AHMAD SHAH BIN MUNIR

DATO INDERA TUN PUTERA MATIN AHMAD SHAH BIN MUNIR
Independent Non-Executive Director
Male | 35 | Malaysian
Dato Indera Tun Putera Matin Ahmad Shah Bin Munir, Male, aged 35, a Malaysian citizen, is an Independent
Non-Executive Director of Ecobuilt. He was appointed to our Board on 11 November 2021. He graduated with
Bachelor of Arts in International Business Management from Middlesex University London in 2011.
Upon graduation in 2011, he started his career as Management Associate in CIMB Group Berhad under
the company’s management trainee program. In 2013, he left CIMB Group Berhad after complete of the
management trainee program and joined Ipmuda Group Berhad as a Property Development Associate and
later promoted to Property Development Manager in 2016. In 2017, he left Ipmuda Group Berhad and joined MS
Property Development Sdn Bhd as Executive Director.
Currently, Dato Indera is an Executive Director of Sinaran Makmur Sdn Bhd, MS Property Development Sdn Bhd
and Ideen Materials Sdn Bhd. He is also Chairman of Taraf Raya Sdn Bhd.
He is the Chairman of the Nomination Committee and also a member of the Audit Committee and Remuneration
Committee of the Company. He has no family relationship with any other Directors and/or substantial shareholders
of Ecobuilt. He has no conflict of interest with the Group other than that which has been disclosed to the Board
of Directors (if any). He has no convictions for any offences within the past 5 years other than traffic offences or
any public sanction or penalty imposed by the regulatory bodies during the financial year. He does not hold any
directorship in other public companies and listed issuers.

DATUK NG SEING LIONG PJN, JP

DATUK NG SEING LIONG PJN, JP
Non-Independent Non-Executive Director
Male | 70 | Malaysian
Datuk Ng Seing Liong PJN, JP, Male, aged 70, a Malaysian citizen, is a Non-Independent Non-Executive Director
of Ecobuilt. He was appointed to our Board on 15 November 2019 as Independent Non-Executive Director and
re-designated to Non-Independent Non-Executive Director on 28 April 2023.
He has more than 35 years of experience in the fields of audit, tax, business advisory, receivership and liquidation
for a wide variety of industry. Currently, he is the Senior Partner of S.L. Ng & Associates. He holds membership
of various professional bodies including Malaysian Institute of Accountants (MIA), Association of Chartered
Certified Accountants (ACCA), Institute of Chartered Secretaries & Administrators (ICSA), Malaysia Institute of
Certified Public Accountants (MICPA), Chartered Tax Institute of Malaysia (CTIM) and Malaysia Institute of Cooperative & Management Auditors (AICMA).
Due to his vast contribution to Societies and Schools, he was awarded with the appointment as the Justice of
Peace (JP) of Selangor in 1999 by DYMM Sultan Selangor. On 7 June 2008, he was awarded the title Panglima
Jasa Negara (PJN) by the DYMM Yang Di Pertua Agong.
Currently, Datuk Ng serves on the Board of Directors of United Teochew (Malaysia) Berhad and also Independent
Non-Executive Director of Enest Group Berhad and Golden Land Berhad.
He is a member of the Audit Committee, Nomination Committee and Remuneration Committee of the Company.
He is the father of Ng Choon Keith, the Executive Director/Chief Executive Officer of Ecobuilt. He has no conflict
of interest with the Group other than that which has been disclosed to the Board of Directors (if any). He has no
convictions for any offences within the past 5 years other than t