Scottish Widows Plc.

Christian Torkington joined Scottish Widows in July 2004 as IT Director and was appointed as Managing Director, Operations in August 2005. His responsibilities include managing all customer service, business operations and IT for Scottish Widows. Christian started his career as a chartered accountant which included time in Hong Kong with KPMG, before spending many years as a management consultant with Coopers and Lybrand and PA Consulting. Christian also held a number of senior positions within Barclays Bank plc prior to joining Scottish Widows. Christian is also non-executive director of the Student Loans Company.

Adrian Eastwood was appointed as Actuarial Director of Scottish Widows In March 2000 and joined its Executive Committee in October 2005. He is responsible for providing actuarial services to all the life insurance companies in the Lloyds TSB Group. Adrian joined Scottish Widows in 1983 and having held a number of positions, had a key role in negotiating the terms of the demutualization of Scottish Widows on behalf of its policyholders. He became Appointed Actuary to Scottish Widows plc in January 2001. He is a Fellow of the Faculty of Actuaries and was a member of its Council, the Faculty’s governing body, from 2000 to 2008. He Chaired the Life Board and Life Practice Committee of the UK actuarial profession from 2006 to 2008.

Cameron was appointed to his role as Director of Corporate Communications for Scottish Widows in October 2004. Sitting on the Scottish Widows Executive, he has responsibility for all internal and external communications including the areas of Media Relations, Internal Communications, Public Affairs and Corporate Responsibility. Previously, Cameron spent over twenty years working in Corporate Communications for a variety of FTSE 100 Companies in both the financial services and food and drink sectors, including Scottish & Newcastle plc, Safeway, The Royal Bank of Scotland Corporate Banking, Halifax Group Wholesale & Treasury and Nomura International plc, the Japanese Investment Bank. Areas of geographic responsibility covered have included the UK, Europe, US, Asia and Southern Hemisphere. Cameron has chaired the Chartered Institute of Public Relations Scotland Group and retains close links with various Communications organisations throughout the UK as part of his professional development, such as the Chartered Institute of Marketing, The Financial Services Forum Advisory Group and The Natpro Corporate Communications Group for FTSE 100 and 250 Companies.

Jean joined Scottish Widows in August 1998 and has held a number of senior Compliance, Internal Audit and Risk roles. Post the takeover by LTSB she was responsible for integrating and developing the Risk, Compliance and Legal functions of the newly enlarged Scottish Widows group. Jean was appointed to the Scottish Widows Executive Committee on 1 January 2004, as Risk Management Director. In this role, she has responsibility for the line functions of Risk Management, Compliance, Sarbanes-Oxley Oversight, Legal and Company Secretarial and has a dotted line oversight of the same functions in SWIP, LTSB Insurance and Scottish Widows Bank. Prior to joining Scottish Widows, Jean was AGM (Finance) at Scottish Life and Senior Audit Manager at Ernst & Young.

Jim McConville was appointed Finance Director of the Insurance and Investments Division of the Lloyds TSB Group in October 2000. Jim sits on the Scottish Widows Group board and is the Chairman of Scottish Widows Bank. Jim originally joined TSB Scotland in 1988 and, before moving to Scottish Widows, held a number of senior Finance roles and was the Lloyds TSB Group Strategy, Monitoring and Planning Director. Previously, Jim worked for Coopers and Lybrand.

Kate Guthrie was appointed Human Resources Director for the Insurance and Investments Division of LloydsTSB on 29 November 2004. Kate has more than 20 years experience in business and HR and has worked in four different industrial sectors. Prior to joining LloydsTSB, Kate worked as an HR Director with Novartis Pharmaceuticals based both in Switzerland and the UK. Kate also spent 12 years in the drinks industry including 10 years with Diageo which is the most successful drinks company in the world. She began her career in retail with Marks and Spencer having joined them as a management trainee.

Lord Leitch joined the Lloyds TSB board in 2005. He held a number of senior general management appointments in Allied Dunbar, Eagle Star and Threadneedle Asset Management before the merger of Zurich Group and British American Tobacco’s financial services businesses in 1998. Subsequently, he served as chairman and chief executive officer of Zurich Financial Services UK, Ireland, South Africa and Asia Pacific, until his retirement in 2004. He was also Chairman of the government’s Review of Skills and deputy chairman of the Commonwealth Education Fund and Chairman of BUPA and Intrinsic Financial Services Non-executive director of Paternoster and United Business Media. He also served as a Former chairman of the National Employment Panel.

Norval was appointed to the board of Scottish Widows in October 2005 as a non-executive director. From 1974 to 2001 he worked at Scottish Provident, fulfilling various roles including pensions manager and investment manager before becoming a Director in 1991. Norval is married with three adult children.