Bob Wigley

Chairman, aged 48

Bob Wigley has extensive experience in the financial services sector having spent more than ten years with Merrill Lynch in a number of management positions, serving most recently as Chairman of Merrill Lynch Europe, Middle East and Africa, until resigning in January 2009. A former member of the Court of the Bank of England, he has also held a number of non-executive roles including sitting on the boards of Euroclear plc and LCH.Clearnet plc and serving as a member of the Senior Practitioner Committee of the Financial Services Authority. He is currently the non-executive chairman of Yell Group plc and the financial services operating partner of Advent International plc. He is also Deputy Chairman of Business in the Community and chairman of the Education and Employers' Taskforce.

Graeme Marshall

Chief Executive, aged 57

Appointed 1999. Graeme has been instrumental in formulating and implementing Sovereign Reversions' strategy. He has worked full-time in equity release since 1997, having been Managing Director of Home & Capital Trust Limited prior to his involvement with Sovereign Reversions. He was a director of SHIP from 1999 to 2007 and chaired their Home Reversions Board. Graeme qualified as a chartered accountant with KPMG where he spent seven years, followed by fifteen years in finance and corporate development roles in the service and financial services sectors.

The Rt. Hon. John Gummer MP

Non-executive, independent, aged 70

Appointed 2004. John has been a Member of Parliament since 1970 and served as a Government minister for sixteen years. As Secretary of State for the Environment from 1993 to 1997, he had responsibility for housing matters. He is chairman and founder of Sancroft International Limited which provides advice to corporations on environmental, ethical and health & safety issues. He is also Chairman of the Association of Independent Financial Advisors, Veolia Water UK Limited, Valpak Limited and a non-executive director of Sistema-Hals, a Moscow-based real estate development company. He is a regular writer on property issues, especially for Estates Gazette and Planning.

Robert Lo

Non-executive, chairman of Audit and Remuneration Committees, independent, aged 58

Appointed 1992. Robert has been a director since inception, when he was head of the Corporate Advisory Department of Johnson Fry, which raised substantial equity funds under the Business Expansion Scheme. Robert is a qualified solicitor with a background in corporate finance.

Rupert Pearce Gould

Executive, aged 59

Appointed 1999. Rupert has been involved in the management of Sovereign Reversions since becoming a director and in Home & Capital since 1998. He has played a major role in implementing its acquisition and financing strategy. He is Chief Executive of Cambridge Corporate Consultants Limited, corporate finance advisers regulated by the FSA, and Chairman of Newsfax International Limited. A Chartered Accountant, he spent six years with N.M.Rothschild & Sons Limited in corporate finance and venture capital prior to establishing his own advisory company.