Just Annual Report and Accounts 2020

GOVERNANCE REPORT

KATHRYN GRAY, Chief People Officer

PAUL FULCHER, Group Capital Management & Investment Executive

GILES OFFEN, Group Chief Digital Information Officer

PAUL TURNER, Managing Director, Retail

Appointed: 3 August 2017 Kathryn Gray was appointed Chief People Officer of Just Group in August 2017.

Appointed: 1 February 2021 Paul Fulcher was appointed Group Capital Management & Investment Executive of Just Group in February 2021. Paul is responsible for Investments, Capital Management and Group Underwriting, including the Longevity, Medical, Pricing and Reinsurance teams. Paul has 30 years’ experience working across 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 Offen was appointed Group Chief Digital Information Officer of Just Group in April 2016. Giles is responsible for Technology, Change and Architecture as well as embedding modern methods of change delivery. Prior to this, he was Chief Technology Officer at Partnership Assurance Group, 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.

Appointed: 1 February 2019 Paul Turner was appointed Managing Director, Retail of Just Group in February 2019. Paul is responsible for all of the Group’s retail businesses in the UK and South Africa. Previously, Paul led Just Group’s mortgage, corporate development and international divisions. Paul joined Just Retirement in August 2014. Prior to Just Retirement, he held various senior international roles at Swiss Re in Asia and Australia. He has over 25 years of insurance industry experience. Paul is a Director of Just Retirement Limited and Partnership Life Assurance Company Limited. Paul is a Non-Executive Director of the Equity Release Council and EPPARG Limited.

Kathryn has held a number of senior HR leadership roles, working in a range of sectors including pharmaceutical, retail, telecoms and, for the last ten years, financial services. Prior to joining Just Group she spent six years at Legal and General where she was Divisional HR Director for the Protection and Savings business and Group Director for Reward, Performance and Leadership and Talent. Prior to that she worked for RBS in Edinburgh. Kathryn holds an MSc in Organisation and People Development and is a member of the Chartered Institute of Personnel and Development.

Kathryn is a Board Trustee of the charitable organisation

Greensleeves Care and a member of the Police & National Crime Agency Remuneration Review Body.

Paul is a Fellow of the Institute of Actuaries.

Current listed directorships None.