Just Annual Report and Accounts 2021

FINANCIAL STATEMENTS

STRATEGIC REPORT

GOVERNANCE

LISA DAVIS, Chief People Officer

PAUL FULCHER, Group Capital Management & Investment Executive

GILES OFFEN, Group Chief Digital Information Officer

PAUL TURNER, Managing Director, Retail

Appointed: 7 March 2022 Lisa is responsible for the people agenda at Just Group and will contribute towards the organisation’s strategic plan and performance. Lisa has over 20 years’ HR leadership experience, working in a number of regulated industries, particularly the financial services sector. Lisa joined Just Group from Skipton Building Society Group where she was responsible for the people strategy across the business. Previously, Lisa held senior HR roles at Aviva, Santander and EY. Lisa is a member of the Women in Finance Board, created by Her Majesty’s Treasury to encourage the progression of women in the financial services sector.

Appointed: 1 February 2021 Paul is responsible for Capital Management, Investments and the Longevity, Medical, Group Pricing and Reinsurance teams. Paul has over 30 years’ experience in the life insurance industry. Prior to joining Just Group, Paul was a Principal at Milliman LLP, a life and financial service consulting firm. Before Milliman he spent six years working at Nomura as Managing Director, leading their ALM Structuring and Insurance Solutions team for Europe, Middle East and Africa. Prior to Nomura, he worked for the Royal Bank of Scotland in their Global Markets business as Managing Director and Head of their Financial Institutions Risk Advisory Team.

Appointed: 4 April 2016 Giles is responsible for Technology,

Appointed: 4 April 2016 Paul joined Just Retirement in August 2014 and is responsible for all the Group’s retail businesses in the UK and South Africa. Previously, Paul led Just Group’s mortgage, corporate development and international divisions. Prior to Just Retirement, he held various senior international roles at Swiss Re in Asia and Australia. He has over 25 years’ insurance industry experience. Paul is an Executive Director of Just Retirement Limited, Partnership Life Assurance Company Limited, Just Retirement Money Limited and Partnership Home Loans Limited. Outside of Just, Paul is a Non- Executive Director of the Equity Release Council and EPPARG Limited.

Change and Architecture as well as embedding modern methods of change delivery.

Prior to this, he was Chief Technology Officer at Partnership Assurance Group plc, which he joined in January 2014 to transform the company’s IT capability and change programmes. Giles has over 20 years’ of diverse global experience which includes working at companies such as Reed Elsevier, Lexis Nexis and Cashplus.

Paul is a Fellow of the Institute and Faculty of Actuaries.

Current listed directorships None.