The board of directors of OneSavings Bank plc.

Stephan Wilcke, Chairman

Stephan joined OneSavings Bank early in 2011 as an independent director and Chairman of the Risk Committee. He became Chairman of One Savings Bank after leaving the role of Chief Executive Officer of the Asset Protection Agency (APA), an executive arm of HM Treasury. Prior to this he advised various central banks on difficult situations created by the credit crunch. He was also a partner and Head of European Financial Services at Private Equity firm Apax Partners. Stephan started his career at management consultancy Oliver Wyman where he progressed to partner level. He is currently also a Commissioner of the Jersey Financial Services Authority and a Vice Chairman of NLB, the largest universal bank in Slovenia.

Andy Golding, Chief Executive Officer

Andy joined OneSavings Bank in 2011 as Chief Executive Officer. He has over 25 years' experience in Financial Services and has held senior positions at NatWest, John Charcol and Bradford and Bingley. Prior to joining OneSavings Bank he was the CEO of Saffron Building Society, where he had been since 2004. He holds a number of positions with industry institutions including membership of Building Societies Association's Council and the Council of Mortgage Lenders Executive Committee. He is also a Director of the Building Societies Trust and until recently served as a Non-Executive Director for Northamptonshire NHS. Andy is passionate about simplicity and fairness in financial services and is a published author on the subject of financial education.

April Talintyre, Finance Director

April joined OneSavings Bank in 2012 as Finance Director. She previously worked for Goldman Sachs International for over 16 years, most recently as an Executive Director in the Rothesay Life pensions insurance business and prior to that as an Executive Director in the Controllers division in London and New York. April began her career at KPMG in a general audit department and has been a member of the Institute of Chartered Accountants in England and Wales since 1992.

Rod Duke, Non-Executive Director

Rod joined OneSavings Bank in 2012. He was formerly a Group General Manager, HSBC with responsibility for UK distribution - branches, call centres and internet banking - for both personal and commercial customers. Rod was with HSBC for 33 years and has extensive experience across retail and commercial banking. Previous directorships include VISA(UK), HFC Bank plc and HSBC Life. He also served on the board of Alliance & Leicester plc until its takeover by Santander. Rod is a Fellow of the Institute of Financial Services.

Tim Hanford, Non-Executive Director

Tim joined OneSavings Bank in 2011. Tim is Managing Director of J.C. Flowers & Co. UK Ltd. Prior to this he was Head of Private Equity at Dresdner Bank and a member of the Institutional Restructuring Unit's Executive Committee. Tim has also served as a Board Director of Schroders, based in Hong Kong and Tokyo, where he was responsible for structured finance. He holds an MS degree from Stanford University's Graduate School of Business, where he was a Sloan Fellow.

Malcolm McCaig, Non-Executive Director

Malcolm joined Kent Reliance in 2010. He was Chairman of the Kent Reliance Building Society, and has carried out this role at both OneSavings Bank plc and Kent Reliance Provident Society. Malcolm has worked extensively in the Financial Services sector. He was a Partner at both Ernst & Young and Deloitte and has held senior management positions at Prudential, National Australia Bank and CIGNA. Malcolm is also an Audit Committee member at the House of Lords. His Non-Executive Director portfolio includes Unum, London Capital Group, Caley, Renaissance Capital and Crest Nicholson.

Sir Callum McCarthy, Non-Executive Director

Sir Callum joined OneSavings Bank in 2011. Sir Callum became Chairman of J.C. Flowers & Co UK Ltd in November 2009. He also serves as a Non-Executive Director of HM Treasury, and of a number of other financial services firms. He was previously Chairman of the Financial Services Authority, and Chairman and CEO of Ofgem. Between 1993 and 1998 Sir Callum held senior positions at Barclays Bank, including Chief Executive Officer for the Barclays Group first in Japan and then in North America. Prior to this, Sir Callum was Managing Director and Deputy Head of Corporate Finance at Barclays de Zoete Wedd, London. Between 1985 and 1989 he was a Director of Corporate Finance at Kleinwort Benson.

David J Mills, Non-Executive Director

David joined OneSavings Bank in 2011. David was the Chief Executive of the Post Office and a Director of Royal Mail Holdings plc from 2002 to 2005 before joining Cardpoint (which later merged with Payzone plc), as the Senior Independent Director in 2006. Prior to his roles at the Post Office he spent 40 years first with Midland Bank plc and then HSBC Bank plc in the UK directing, managing and controlling the Personal Banking Sector. He conceived and established First Direct. He became Chairman of MyHomeMove plc, the UK’s largest independent home mover conveyancing business in 2007. He is a Fellow of the Institute of Financial Services and a Distinguished Sloan Fellow of the London Business School.

Dr David Morgan, Non-Executive Director

David joined OneSavings Bank in 2011. David became Managing Director J.C. Flowers & Co. Europe and Asia Pacific in December 2009. Prior to this he was Chairman of J.C. Flowers (Australia) Pty Ltd and a global operating partner of JC Flowers & Co. LLC. In 2008, he chaired The Future Direction for the Australian Economy at the Prime Minister’s Australia 2020 Summit. From 1999 to 2008, Dr Morgan served as Managing Director and Chief Executive Officer of Westpac Banking Corporation. He was Chairman of the Australian Bankers Association from 2006 to 2007. In 2009, he was awarded an Order of Australia in the Australia Day Honours by the Federal Government for his service to the finance sector. This recognised his role as a leader in the development of policies affecting the regulation of financial institutions, corporate social responsibility, and economic reform.

Peter Williams, Non-Executive Director

Peter joined Kent Reliance in 2010. Peter was a non-executive Director of the Kent Reliance Building Society and has carried on this role at both OneSavings Bank plc and Kent reliance Provident Society. Peter is Director of the University of Cambridge Centre for Housing and Planning Research. He is also a consultant working in the areas of housing finance, markets and policy. Peter is Executive Director of the Intermediary Mortgage Lenders Association, Consult CIH, the National Housing Federation and Thames Valley Housing Association and Chairman of Acadametrics, the house price consultancy. He is a Visiting Professor at the Centre for Housing Policy, University of York. Previous roles have included those of Chairman of the Government’s National Housing and Planning Advice Unit (NHPAU), Deputy Director General of the Council of Mortgage Lenders, Professor of Housing at the University of Wales, Cardiff, Deputy Director of the Chartered Institute of Housing and a Board Member of the Housing Corporation and Tai Cymru