Amendments and Additions to the 2004 (Sixth) Edition 
About Pendragon and what we do
About the people at Pendragon
About our electronic information service
About the pensions industry 'who's who'
Pensions Surveys
How to contact us
Pendragon home page

A  B  C  E  F  G  H  J  K  L  M  N  O  P  R  S  T  U  W

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AHLUWALIA Mr , Spencer
Current Position: Director of Institutional Sales , Legg Mason Investments from: January 2004 Degrees: BTEC, SOFA Born: 20/5/1968 at: West Yorkshire Spouse : Weir, Fiona Married: 1998 Education: Shipley College, West Yorkshire: B/TEC Business/Finance Career: Guardian Royal Exchange: 1989; Alexander & Alexander: 1989-93 Consultancy Assistant; PricewaterhouseCoopers: 1994-2000 Manager, Global HR Solutions & Marketing Manager for Actuarial Practice; Newton Investment Management: 2000-03 Assistant Vice-President, Institutional Sales & Marketing; Professional Activities: CU: Member; SOFA: Member Publications, etc: various articles on financial/pensions issues Recreations and clubs: Wimbledon Park Golf Club: Member; Leeds United: Member; keen driver of sports machinery Office Address: 32 Harbour Exchange Square , London , E14 9JX Off. tel.: 020 7070 7370 Off. fax: 020 7070 7505 Off. e-mail: s.ahluwalia(at)leggmason.co.uk Off. web: www.leggmason.co.uk

ALBOROUGH Mrs , (Judith ) Judith Sarah
Current Position: Assistant Director Payroll and Pension , National Trust from: 28/4/2004 Career: National Mutual Life: 1989-92; Hogg Robinson: 1992-94; PricewaterhouseCoopers (previously Coopers & Lybrand): 1994-2002; British Waterways: 2002-04 Pensions Manager Office Address: Heywood House , Westbury , Wilts , BA13 4NA Off. tel.: 01373 828 750 Off. e-mail: judith.alborough(at)nationaltrust.org.uk Off. web: www.nationaltrust.org.uk

ALTMANN Dr , (Ros ) Rosalind Miriam , 1st Class Honours; Kennedy Scholarship; Hume, Lloyd Scholarship; Governor, London School of Economics; Governor, Pensions Policy Institute; Third Age Employment Network: Trustee
Current Position: Pensions Policy Adviser, Consultant to Investment Banks, Fund Management Houses , Independent Policy Adviser; Member of Lord Chancellor's Strategic Investment Board from: 1/6/2004 to Lord Chancell Professional Activities: London School of Economics & Political Science: Non-Executive Director, Governor (also Chairman of Investments Committee); Advisor on Pensions, Investment, Annuities and Savings Policy; Chair and speak at Pensions and Investment Conferences in UK and US Office Address: 9 Fairholme Close , London , N3 3EE Off. tel.: 07799 404 747 Off. fax: 020 8349 3744 Off. e-mail: ros(at)rosaltmann.com Off. web: www.rosaltmann.com

ASHLEY TAYLOR Mr , (Andrew ) Andrew Mark
Current Position: Partner, Head of Pensions (Manchester) , Hammonds

ASHMORE Mr , (Tony ) Anthony John
Current Position: Vice President , Pensions Management Institute Degrees: LLB, Barrister, FPMI, FCIPD, ACII Born: 3/12/1937 at: Newcastle-under-Lyme Education: ACII 1963; FCIPD 1967; FPMI 1973; Wolverhampton University: 1995-96 LLB (Hons); Middle Temple: 1996- Barrister at Law Career: C.E. Heath (Life & Pensions) Ltd: 1960-63 Departmental Manager; Muir Beddal Ltd: 1963-65 PA to Managing Director; United Glass Ltd: 1965-77 Group Personnel Manager; Godwins Ltd: 1977-78 Director; Hadrian Pensions Ltd: 1978-84 Managing Director; British Shipbuilders: 1978-84 Pensions Director; Merchant Navy Pensions Administration Ltd: 1984-91 Managing Director; Merchant Navy Officers Pension Fund: 1984-94 Chief Executive; Ensign Trust plc: 1985-94 Director; New Frontiers Development Trust plc: 1986-93 Director; Ensign Oil & Gas Inc (USA): 1989-94 Chairman; Banque Bruxelles Lambert SA (Belgium): 1990-92 Director; Na Mara Investments Ltd (Eire): 1990-94 Director; Maxwell Communication Works Pension Scheme: Chairman; Midland Newspapers Pension Scheme Trustees: Chairman - Independent Trustee Professional Activities: NAPF: 1983-91 Council Member, Treasurer; PMI: 1975 Lecturer (part-time) Farnborough Technical College, 1978 Senior Examiner, 1989-93 and 1999- Council Member, 2000 Vice President Publications, etc: articles on trusteeship, trustee training and industry-wide pension schemes Recreations and clubs: theatre; travelling Office Address: PMI House , 4-10 Artillery Lane , London , E1 7LS Off. tel.: 020 7247 152 Off. fax: 020 7375 0603

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BATTING Mr , (John ) John Paul
Current Position: Managing Director , Punter Southall & Co from: 2/9/1993

BERKELEY Mr , Christopher Bryan
Current Position: Partner , Pinsents from: 01/09/1996

BIRMINGHAM Mr , (Robert ) Robert James
Current Position: Managing Director , Entegria Ltd. Degrees: BSc, FFA Born: 7/6/1950 at: Troon, Ayrshire Spouse : Sarah Anne Married: 1974 Boys: 1 Girls: 1 Education: Galgow University: BSc Career: Scottish Mutual Assurance Society: 1971-84 Professional Activities: SPC: Hon Treasury, 2004- President Recreations and clubs: golf; bridge Office Address: Hogg Robinson House, , 46/62 Greyfriars Road, , Reading , RG2 1NN Off. tel.: 0118 918 5401 Off. fax: 0118 939 1945 Off. e-mail: robert.birmingham(at)entegria.com

BLACK Mr , (Paul ) Paul Frederick
Current Position: Head of Investment Consulting , Mellon Human Resources & Investor Solutions from: September 1999 Degrees: BSc (Hons), FIA Born: 17/5/1967 at: Douglas, Isle of Man Spouse : Rachel Married: 1995 Boys: 1 Girls: 1 Education: Birmingham University Career: Aon Consulting: 1988-94 Actuarial Student, 1994-99 Senior Investment Consultant & Actuary Professional Activities: SPC Investment Committee Member Recreations and clubs: golf; football Office Address: Mellon Financial Centre , 160 Queen Victoria Street , London , EC4V 4LA Off. tel.: 020 7163 6161 Off. fax: 020 7163 6012 Off. e-mail: black.p(at)mellon.com Off. web: www.mellon-hris.co.uk

BRIDGELAND Mrs , Sally
Current Position: Investment Consultant (Quantitative Research) , Hewitt Bacon & Woodrow Office Address: 6 Moor London Place , London , SE1 2DA Off. tel.: 020 7939 4000 Off. fax: 020 7939 4040 Off. e-mail: sally.bridgeland(at)hewittbaconwoodrow.com Off. web: www.hewittbaconwoodrow.com

BROWN Mr , (Harvie ) Harvie Walker
Current Position: Chief Actuarial Officer , Mercer Human Resource Consulting from: 1998 Professional Activities: PMI: 1988-91 Board of Examiners, 1989-91 Chairman of Scottish Group; FoA: 1988-2002 Council Member, 2002- Vice Persident, 2004- President; Faculty and Institute of Actuaries: 1988-91 Member of Pensions Board, 1992-95 Deputy Chairman Pensions Board, 1996-98 Chairman Pensions Board, 1996-98 Management Committee, 1999-2002 Member of Professional Affairs Board, 2002- Deputy Chairman of Professional Affairs Board; Pension Law Review Committee (Goode Committee): 1992-93 Committee Member

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CRITCHELL Mr , (Brian ) Brian Edward
Current Position: Client Manager , Paymaster from: 2004 Degrees: ACII, FPMI Born: 11/3/1948 at: Bath Spouse : Patricia Married: 1970 Boys: 1 Girls: 1 Education: ACII (Chartered Insurer); FPMI (elected 1996) Career: Legal & General; Notcutt Life & Pensions Ltd; Slater Walker; Antony Gibbs Pensions Services Ltd; Ch. Vairon & Cie: 1966- Pensions Administration/Servicing/Consulting/Client Management; Mercer Human Resource Consulting Ltd ; also Pensioneer Trustee Company: Director: 1984-2003 Client Manager and European Partner Professional Activities: NAPF (South-Eastern Group): Committee; 1995-96 Chairman; PMI (Southern Group): Council, 2003- Secretary Publications, etc: seminar speaker Recreations and clubs: amateur dramatics and variety; hill walking; photography Office Address: Sutherland House , Russell Way , Crawley , West Sussex , RH10 1UH Off. tel.: 01293 604 245 Off. fax: 01293 604 893

CROCKER Mr , (Paul ) Paul Michael
Current Position: Commercial Director , Aon Consulting from: 18/6/2004 Born: 8/2/1964 at: Sittingbourne, Kent Partner : Beattie, Clair Boys: 3 Career: PIFC Investment Services: 1987-90; FPS Group: 1990-96 Assistant Director; Watson Wyatt: 1996-2003 Principal, Business Development; PIFC Consulting plc: 2003-04 Director of Corporate Development; Aon Consulting: 2004- Commercial Director Recreations and clubs: rugby; gardening; piano; running; cycling; walking Office Address: 11 Devonish Square , London , EC2M 4YR Off. tel.: 020 7086 8074 Off. fax: 020 7086 8020 Off. e-mail: paul.crocker(at)aonconsulting.co.uk

CROSBIE Mr , (Stephen ) Stephen Paul
Current Position: International Benefits Manager , Syngenta Ltd from: 2004 Career: Nationwide Building Society: 1976-87 various branch manager and assistant manager posts; Building Societies Commission: 1987-89 Secondment; Natiowide Building Society: 1989-92 Group Pensions Manager; Watson Wyatt: 1992-96 Support and Contract Manager; Varity Perkins: 1996-97 Pensions Specialist; Otis plc: 1997-2000 Group Pensions Manager; HSBC Bank plc: 2000-04 Senior Pensions Policy Manager Office Address: European Regional Centre , Priestley Road , Surrey Research Park , Guildford , GU2 7YH Off. tel.: 01483 260 000 Off. fax: 01483 260 011

CULLEN Ms , (Amanda ) Amanda Susan Elizabeth
Current Position: Head of Windsor Retirement Unit and European Partner , Mercer Human Resource Consulting from: December 2000 Professional Activities: PMI: 2004- Council Member

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ENGELBRETSON Mr , Mark
Current Position: Pensions Manager , Alpha Airports Group plc from: 24/3/2003 Born: 15/1/1975 at: Wimbledon Spouse : Nicola Married: 1999 Girls: 1 Career: British Airways: 1993-97 Pensions Administrator; Watson Wyatt: 1997-98 Senior Pensions Administrator; RAC Motoring Services: 1998-2000 Pensions Administrator; Hartwell plc: 2000-03 Pensions Manager Professional Activities: Secretary to Trustees of Beecher Charitable Trust Fund; Secretary to Trustees of Hartwell Pension Plan Recreations and clubs: golf; football; Berks & Bucks FA: qualified referee; cricket; travelling Office Address: Europa House , 804 Bath Road , Cranford , Middx , TW5 9US Off. tel.: 020 8580 3290 Off. fax: 020 8580 3202 Off. e-mail: mengelbretsonson(at)alpha-group.com

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FERNANDES Mr , (Francis ) Francis Nicholas
Current Position: Head of Actuarial Advice , ABN AMRO from: 2004 Career: Watson Wyatt: 1989-96; Towers Perrin: 1996-1997; City University, London: 1997-2000 Lecturer; Lane Clark & Peacock LLP: 2001-94 Partner, Head of Pensions Research Office Address: 82 Bishopsgate , London , EC2N 4BN Off. tel.: 020 7678 4500 Off. fax: 020 7678 4471

FODEN Ms , (Barbara ) Barbara Yvonne
Current Position: Pensions Consultancy Manager , Heywood Limited from: 1990 Degrees: APMI Born: 30/5/1952 at: Liverpool Career: Duncan C Fraser & Co: 1975-83 Actuarial Assistant; Heywood Ltd: 1983- Pensions Consultant Recreations and clubs: walking; travel Office Address: 2 Victoria Street , Altrincham , Cheshire , WA14 1ET Off. tel.: 0161 613 4200 Off. fax: 0161 927 7132 Off. e-mail: barbara.foden(at)heywood.co.uk Off. web: www.heywood.co.uk

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GOOD Mr , (Martin ) Martin Nigel Steven
Current Position: Business Development Director , Aon Consulting from: May 2004 Career: St Thomas' Hospital: 1971-74 Trainee Accountant; Clerical Medical Investment Group: 1974-83 Pensions Team Manager; Noble Lowndes: 1983-93 Regional Sales Manager; Sedgwick Noble Lowndes Ltd (now William M Mercer Ltd) : 1993-98; William M Mercer Ltd: 1998-2000 Business Development Consultant; Towers Perrin: 2001-2004 Towers Perrin Office Address: Carnegie House , 21 Peterborough Road , Harrow , Middx , HA1 2AJ Off. tel.: 0800 279 5588

GOODWIN Mr , Jeremy
Current Position: Solicitor , Macfarlanes from: 1999 Degrees: MA, Solicitor Born: 27/11/1973 at: Horsham, West Sussex Spouse : Claire Married: 2000 Boys: 1 Education: Hertford College, Oxford: MA Career: Ashursts: 1997-99 Trainee Solicitor; Linklaters: 1999-2003 Solicitor; Macfarlanes: 2003- Solicitor Professional Activities: APL: Full Member Publications, etc: various articles in pensions journals Recreations and clubs: jazz trumpet and piano Office Address: 10 Norwich Street , London , EC4A 1BD Off. tel.: 020 7831 9222 Off. fax: 020 7831 9607 Off. e-mail: jeremy.goodwin(at)macfarlanes.com

GOULD Mr , (Denis ) Denis James
Current Position: UK Head of Fixed Income , AXA Investment Managers from: 1/1/2003 Degrees: BSc (Hons), AIMR, UKSIP Born: 17/8/1961 Education: Loughborough University: BSc (Hons) Economics; AIMR; UKSIP Career: Abbey Life: 1982-84 Investment Manager; Allied Dunbar Insurance: 1984-87 Investment Manager; Fidelity Investments: 1987-89 Investment Manager; ABB Investment Management: 1989-96 Investment Manager; PRM Ltd: 1995-96 Head of Investments; AXA Investment Managers: 1996-2003 Investment Manager Publications, etc: various articles on investment topics Recreations and clubs: golf; offshore powerboat racing; tennis Office Address: 7 Newgate Street , London , EC1A 7NX Off. tel.: 020 7003 2075 Off. fax: 020 7575 8376 Off. e-mail: denis.gould(at)axa-im.com Off. web: www.axa-im.com

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HAGGIS Mrs , Elizabeth
Current Position: Partner , Halliwells LLP from: December 2003 Degrees: DipLaw, ACII, FPMI Education: Oxford Institute of Legal Practice: 1995 Diploma in Law; ACII; FMPI Recreations and clubs: gardening; reading; running; walking Office Address: St James's Court , Brown Street , Manchester , M2 2JF Off. tel.: 0870 365 8570 Off. fax: 0870 365 8571 Off. e-mail: elizabeth.haggis(at)halliwells.com Off. web: www.halliwells.co.uk

HALLWORTH Mrs , (Liz ) Elizabeth Jane
Current Position: Pensions Administration Manager , C & J Clark Ltd from: 6/1/ 2003 Office Address: 40 High Street , Street , Somerset , BH16 0YA Off. tel.: 01458 443 131 Off. fax: 01458 447 850 Off. e-mail: liz.hallworth(at)clarks.com Off. web: www.clarks.com

HARRIS Mr , (Pete ) Peter Gordon
Current Position: Compensation, Pension & Benefits , Marconi Corporation plc from: 1/6/2003 Degrees: BA (Hons), CANTAB Born: 21/6/1963 at: Derby Education: Cambridge University: 1981-84 BA (Hons) Maths (2nd) Career: 1984-85 Graduate Trainee; 195-88 Software Engineer; 1988-94 Training Development Manager; 1994-98 HR Manager; 1998-2003 Compensation & Benefits Manager Professional Activities: MCIPD Recreations and clubs: amateur theatre Office Address: PO Box 20 , The Hollies , Newport Road , Stafford , ST16 1BY Off. tel.: 01785 785 483 Off. fax: 01785 785 403 Off. e-mail: peter.harris(at)marconi.com Off. web: www.marconi.com

HARRISON Mr , Peter
Current Position: Chief Investment Officer , Deutsche Asset Management from: 4/10/2004 Degrees: BSc (Hons), AIMR-UKSIPS Born: 25/5/1966 at: Chester Spouse : Rachel Sarah Married: 1994 Boys: 1 Education: University of Bath: 1984-88 Career: Schroders: 1988-91 Investment Anaylst; Newton: 1991-96 Portfolio Manager; JP Morgan Fleming: 1996-2004 Portfolio Manager / Head of Global Equities & Multi Assets Recreations and clubs: country pursuits Office Address: 1 Appold Street , London , EC2A 2UU Off. tel.: 020 7545 6000 Off. e-mail: peter.harrison(at)db.com

HOLGATE Mr , (Vernon ) Vernon Frank
Current Position: Director , Thomas Eggar Trust Corporation Ltd from: October 2001 Professional Activities: PMI London Regional Group: immediate Past Chairman Recreations and clubs: Honda motorcycles; Alfa Romeo cars; my son

HOOTON Mr , John
Current Position: Head of Administration , HS Administrative Services Ltd from: 29/7/2002 Degrees: BSc (Hons), APMI Born: 11/11/1964 at: St Helens Spouse : Janet Married: 1995 Boys: 2 Education: University of Liverpool Career: D J Townley: 1987-88; W M Mercer: 1988-96; USS Ltd: 1996-97; Abbey National: 1997-2000; JLT: 2000-02 Publications, etc: Professional Pensions: regular member of administration panel Office Address: AEGON House , Daresbury Park , Daresbury , WA4 4HS Off. tel.: 01928 707 900 Off. fax: 01928 707 977 Off. e-mail: john.hooton(at)hsadmin.com Off. web: www.hsadmin.com

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JONES Mr , Trevor
Current Position: Chairman of Truestees: for several pension schemes , Ophiopogon Ltd from: 1/1/2004 Career: Finance Director of wines and spirits / holiday businesses; corporate finance and planning; Holiday Inn Worldwide: 1990-92 Executive Vice-President; Britvic: 1992-97 Finance Director; Bass / Six Continents plc: 1997-2003 Director of Pensions; Chairman of Trustees: Mitchells & Butlers Pensions Plan/CIF, InterContinental Hotels Pension Plan/CIF, Britvic Soft Drinks Pension Plan and Taylor Woodrow Pension Fund Recreations and clubs: family; gardening; travel; town councillor; trustee of local charities; Office Address: Heathfield , Browns Lane , Charlbury , Oxfordshire , OX7 3QW Off. tel.: 01608 811 499 Off. fax: 01608 811 499 Off. e-mail: trevor.jones(at)ophiopogon.com Off. web: www.ophiopogon.com

JORY Mr , (John ) John Michael
Current Position: Deputy Chief Executive , B&CE Benefit Schemes from: 2001 Degrees: ONC Business Studies Born: 20/2/1947 at: Horsham, West Sussex Spouse : Jacqui Married: 1973 Girls: 3 Career: CEGB: 1965 - 1969 Trainee Computer Operator; S Casket: 1969 - 1976 Programmer; Alliance Building Society: 1976 - 1979 Senior Systems Analyst; Allied Dunbar Assurance PLC: 1979 - 1986 Systems Manager/Consultant; Allied Dunbar International: 1986 - 1990 Director and General Manager; Dunbar Vida Y Pensiones S.A: 1990 - 1994 Director of Systems and Administration; B&CE Benefit Schemes: 1995 - 2001 Insurance & Pensions Manager Professional Activities: ABI: Member of the Pensions & Savings Committee Recreations and clubs: keen walker Office Address: Manor Royal , Crawley , West Sussex , RH10 9QP Off. tel.: 01293 586 680 Off. fax: 01293 526 933 Off. e-mail: johnjory(at)bandce.co.uk

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KEAR Mr , (Bill ) William Edmund
Current Position: Pensions Manager, Secretary to the Trustees , Alcatel Telecom Ltd from: February 2003 Degrees: Diploma Personnel Management, Chartered MCIPD, MIPPM, MAAT Born: 25/8/1962 at: Perivale, Middlesex Spouse : Janet Isobel Married: 1988 Boys: 2 Girls: 1 Education: Acton College: 1986-88; Watford College: 1988-90; Thames University: 1994-97 Diploma in Personnel Management Career: Lloyds Bank: 1979-84 Cashier; Providence Capitol Life Assurance Co: 1984-85 Credit Control; various roles followed culmination in London Borough of Brent: 1985-98 Director of Contacts and Services; Sema Group Ltd: 1998-2002 Recreations and clubs: St Paul's Church of England School, Chipperfield, Herts: Governor; Morris Minors; canals and canal history Office Address: Christchurch Way , Greenwich , London , SE10 0AG Off. tel.: 020 8465 1479 Off. fax: 020 8465 1214 Off. e-mail: bill.kear(at)alcatel.co.uk

KENNY Mr , (Chris ) Christopher Charles
Current Position: Head of Life & Pensions , Association of British Insurers from: January 2004 Degrees: BA (Hons) Born: 15/2/1963 at: Barnsley Spouse : Angela Carolyn Married: 1985 Boys: 1 Girls: 1 Education: University College, Oxford: 1981-84 BA (Hons) English Career: Department of Health: 1984-92; HM Treasury: 1992-94 Head of International Finance Divisions; Depratment of Health: 1994-96 Head of Quality & Consumer Affairs, 1997-99 Principal Private Secretary; OFTEL: 2000-02 Director of Policy, 2002-04 Director of Compliance Office Address: 51 Gresham Street , London , EC2V 7HQ Off. tel.: 020 7216 7680 Off. fax: 020 7367 8584 Off. e-mail: chris.kenny(at)abi.org.uk Off. web: www.abi.org.uk

KINGHORN Miss , Myra
Current Position: Cheif Executive Designate , The Pensions Protection Fund from: 1/9/2004 Degrees: B Lib, IOD Dip, CD IOD, FICAEW Born: 24/1/1951 at: Soth Shields, Co Durham Spouse : Richard John Haycocks Married: 1986 Boys: 2 Education: University College of Wales, Aberystwyth: 1970-73 B Lib Degree History & Librarianship; IoD: 2000 Chartered Director, 1999 Diploma in Company Direction Career: National Westminster Bank: 1973 Management Trainee; Deloitte Haskins & Sells: 1974-81 Audit Manager; Uniroyal Ltd: 1981-82 Manager, Financial Services; Binder Hamlyn: 1982-84 Audit Manager; Ernst & Young: 1984-90 Executive Manager; Investors Compensation Scheme: 1990-2001 Chief Executive; Serious Fraud Office: 2001-04 Non-executive Director; Opra: 2003-04 Member of Board Professional Activities: FCA: Fellow; IoD: Chartered Director Recreations and clubs: theatre; French; choir Office Address: c/o The Pensions Group , Ground Floor, The Adelphi , 1-11 John Adam Street , London , WC2N 6HT Off. tel.: 020 7712 2775 Off. fax: 020 7962 8591 Off. e-mail: myra.kinghorn(at)dwp.gsi.gov.uk

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LAMBERT Mr , (Eric ) Eric Nial
Current Position: Head of Performance Consultancy , The WM Company from: 1/6/03 Boys: 1 Girls: 1 Recreations and clubs: golf (Mortonhall & Craigielaw)

LAWSON Mr , John
Current Position: Senior Technical Manager , Standard Life Assurance Company from: 18/6/2001 Degrees: FSFA, ACII Born: 18/12/1963 at: Edinburgh Spouse : Gillian Married: 1990 Girls: 2 Education: FSFA: 2000; ACII: 2000 Career: Standard Life: 1984-93 Technical Consultant; Bank of Scotland: 1993-2001 Associate Director of Sales Professional Activities: ABI Regulatory Overview and EU sub-committees of Pensions and Savings Committee, various ABI Working Groups (gender, simplification); ILAG European Committee Publications, etc: regularly contribute articles to trade publications such as Pensions Management, Pensions World and Money Marketing etc. Recreations and clubs: photography; golf; DIY Office Address: 20 Brandon Street , Edinburgh , EH3 5PP Off. tel.: 0131 245 7548 Off. fax: 0131 246 6295 Off. e-mail: john_lawson(at)standardlife.com Off. web: www.standardlife.com

LEIGH Mr , (Richard ) Richard Wyndham
Current Position: Associate , TLT Solicitors from: 2003 Office Address: 1 Redcliff Street , Bristol , BS99 7JZ Off. tel.: 0117 917 7777 Off. fax: 0117 917 7776 Off. e-mail: r.leigh(at)tltsolicitors.com Off. web: www.tltsolicitors.com

LEWIS Mr , (Ian ) Ian Anthony
Current Position: Head of Institutional Clients , New Star Asset Management from: July 2004 Born: 23/2/1965 at: Twyford, Bedfordshire Boys (prior relationship): 1 Career: Hogg Robinson Financial Services: 1988-95 Head of Investment Consulting; Towers Perrin: 1995-99 Senior Investment Consultant; Merrill Lynch Investment Managers: 1999-2002 Consultant Relations Group; UBS Global Asset Management: 2002-04 Head of Consultant Relations Office Address: 1 Knightsbridge , London , SW1X 7NE Off. tel.: 020 7225 6012 Off. fax: 020 7225 9300 Off. e-mail: ilewis(at)newstaram.com

LILLEYMAN Mr , (Chris ) Christopher Mark
Current Position: OC Consultant , Hewitt Bacon & Woodrow from: September 1998 Degrees: BA (Hons), APMI, FPC Born: 26/6/1975 at: Sheffield Spouse : Plewes, Joanne Sarah Married: 2005 Education: University of Sheffield: BA Dual Honours Accounting, Finance and Economics Career: Norwich Union: 1996-98 Misselling of Personal Pensions Review Professional Activities: PMI: Treasurer of North East Regional Group Publications, etc: Pensions World (May 2003): article on scheme design Recreations and clubs: 5-a-side football; running; gardening Office Address: No 1 City Square , Leeds , LS1 2BW Off. tel.: 0113 204 5518 Off. fax: 0113 204 5599 Off. e-mail: chris.lilleyman(at)hewitt.com

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MACINTYRE Mr , (Ken ) Kenneth John
Current Position: Pensions Policy Analyst , National Association of Pension Funds from: 2004 Career: NEL Assurance: 1976-78; Stewart Wrightson: 1978-82; Alexander Howden (now Aon): 1982-85; CPC (UK) Ltd: 1985-96 Pensions Manager and Secretary to Trustees; Freelance Consultant: 1996-97; Dresser UK Ltd: 97-99 Pensions Manager; Halliburton UK Limited (following merger with Dresser Industries) 1999- UK Pensions Manager; Kellogg Brown & Root (UK) Ltd: 2002-2003 UK Pensions Manager; United Business Media plc: 2003-2004 Pensions Operations Manager Professional Activities: OPAS: 1994- Adviser; Independent Pensions Research Group: 1993- Treasurer; NAPF: 2004- Pensions Policy Analyst Office Address: NIOC House , 4 Victoria Street , London , SW1H 0NE Off. tel.: 020 7808 1300 Off. e-mail: ken.macintyre(at)napf.co.uk

MCKINLAY Mr , (Ian ) Ian Waterson
Current Position: Head of Investment Consulting Practice , Aon Consulting from: 1/5/2004 Degrees: BSc, FFA Born: 20/10/1964 at: Edinburgh Spouse : Lesley Elizabeth Married: 1993 Girls: 2 Education: Edinburgh University Career: Scottish Widows: 1986-96; William M Mercer: 1996-2000; Aon Consulting: 2000- Publications, etc: Essentials of Corporate Bonds for Pensions Actuaries Co-author Recreations and clubs: golf; football; cricket; Marylebone Cricket Club; whisky Office Address: 11 Devonshire Square , London , EC2M 4YR Off. tel.: 020 7086 8042 Off. fax: 020 7086 8020 Off. e-mail: ian.mackinlay(at)aonconsulting.co.uk

MERCHANT Mr , (Tom ) Thomas Henry
Current Position: Chief Executive , Universities Superannuation Scheme from: February 2004 Degrees: MBA, BSc (Eng) Born: 4/5/1948 at: Mossel Bay Spouse : Suzanne Married: 1976 Boys: 1 Girls: 2 Education: University of Cape Town: BSc (Eng); Cranfield School of Management (MBA) Career: Mirvac Ltd: 1988-92 Development Manager; Government of Dubai: 1992-99; Charterfield: 2000-04 Consultant Recreations and clubs: travel; photography; property development Office Address: Royal Liver Building , Liverpool , L3 1PY Off. tel.: 0151 227 4711 Off. fax: 0151 478 7196 Off. e-mail: tom.merchant(at)usshq.co.uk Off. web: www.usshq.co.uk

MIDDLETON Mr , (Tim ) Timothy James
Current Position: Benefits Consultant , Mercer Human Resource Consulting from: 2002 Degrees: BA (Hons), APMI Born: 25/11/1962 at: Rochford Education: University of Ulster: 1981-84 BA (Hons) English; 2001 APMI Career: MTG Ltd: 1984-87; Hewitt Bacon & Woodrow: 1982-2002 Professional Activities: PMI London Group: 2001- Education Secretary Recreations and clubs: theatre; photography; real ale; computers Office Address: Kingsgate , 1 King Edward Road , Brentwood , CM14 4HL Off. tel.: 01277 695 835 Off. fax: 01277 264 601 Off. e-mail: tim.middleton(at)mercer.com Off. web: www.mercerhr.com

MURRAY Mr , (Peter ) Peter Anthony
Current Position: Investment Panel Member , Epic Investment Consulting from: 2004 Career: Unilever: 1964-66 Management Trainee; East Africa Industries Ltd, Nairobi: 1966-67 Detergents Production Manager; Lever Brothers Ltd: 1967-70 Senior Systems Analyst; Elida Gibbs Ltd: 1972-78 Management Services Manager; Unilever Research: 1978-85 Executive Committee Member, Colworth Laboratory; UAC of Nigeria Ltd, Lagos: 1985-88 Corporate Planning Manager; Unilever plc: 1988-90 Commercial Liaison Officer, North American Office; Unilever UK Ltd:1990-97 National Pensions Manager; Railways Pension Trustee Company Ltd: 1997-2004 Chief Executive Office Address: 55 Bishopsgate , London , EC2N 3AS Off. tel.: 020 7984 8868 Off. fax: 020-7984 8661 Off. web: www.epicip.com

MUTTER Mr , (Andrew ) Andrew Nicholas
Currently with: Paymaster Ltd from: 2004 Born: 17/5/1970 at: Swindon Education: APMI: 1999- Career: Research Councils: 1990-99; Halcrow Group: 1999-2004 Pensions Manager Recreations and clubs: music; cinema; computers; horse racing; Office Address: Sutherland House , Russell Way , Crawley , West Sussex , Rh10 1UH Off. tel.: 01293 560 999 Off. fax: 01293 604 893 Off. e-mail: andrew.mutter(at)paymaster.co.uk Off. web: www.paymaster.co.uk

MUYSKEN Mr , (Bill ) William Andrew
Current Position: Global Head of Research , Mercer Investment Consulting from: 19/10/1992 Degrees: BA, FIAA, FIA Born: 3/7/1961 at: Sydney, Australia Education: Macquarie University: BA; FIAA; FIA Career: Prudential Assurance: 1981-85 Office Address: 38-40 Trinity Square , London , EC3N 4DJ Off. tel.: 020 7977 8603 Off. fax: 020 7977 8895

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NIMMO Mr , (Brian ) Brian William
Current Position: Partner , Hymans Robertson from: 2004 Degrees: MA, FIA Born: 4/11/1968 at: Lisbon, Portugal Spouse : Emma Married: 1997 Education: Exeter College, Oxford Career: Sedgwick Noble Lowndes: 1990-96; Hymans Robertson: 1996- Professional Activities: Actuarial Professions Pensions Guidance Committee: Member Recreations and clubs: rugby; cricket; fireworks Office Address: 103-105 Bunhill Row , London , EC1Y 8LZ Off. tel.: 020 7847 6000 Off. fax: 020 7847 6060 Off. e-mail: brian.nimmo(at)hymans.co.uk

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OLDFIELD Mr , (Maurice ) Maurice Herbert
Current Position: Chairman , Understanding & Communication Ltd Office Address: 10 Old School Court , Lewes Road , Lindfield Park , West Sussex , RH16 2LD Off. tel.: 01444 487 433 Off. fax: 01444 487 445 Off. e-mail: mauriceoldfield(at)aol.com

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PEARSE Mr , (Alex ) Alexander Nicholas
Current Position: Consulting Actuary (Scheme Actuary) , Harvey & Clamp Consulting Actuaries from: 19/72004 Degrees: BSc, DipStat, FIA Born: 29/7/1972 at: Cambridge Spouse : Claire Francis Married: 1996 Education: Durham University: BSc Mathematics; Cambridge University: Diploma in Mathematical Statistics Career: Aon Ltd: 1995-2004 Recreations and clubs: golf; cricket; badminton; fantasy football Office Address: Bolan House , 19 Front Street , Acomb , York , YO24 3BW Off. tel.: 01904 788 000 Off. fax: 01904 785 000 Off. e-mail: alex(at)harveyandclamp.co.uk

POMERY Mr , (Michael ) Michael Alan
Current Position: Principal Consultant , Hewitt Bacon & Woodrow from: 1973 Professional Activities: NAPF: 1984-88 Education Committee (co-opted); 1988-92 Council; 1989-91 Education Committee Chairman; 1994-96 Research & Planning Committee (co-opted); IoA: 1992-96 Pensions Board (co-opted); 1994-96 Legislation Committee Chairman; 1996-2002 Council; 1996-98 Deputy Chairman of Pensions Board; 1998-2000 Chairman of Pensions Board; 2000-02 Vice President; 2003- Council Member, Chairman of Social Policy Board, 2004- President

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REEVE Mr , (John ) John Gordon
Current Position: Client Director , Jardine Lloyd Thompson from: September 2004 Career: Prudential Assurance Co: 1982-88 Actuarial Trainee, 1988 Actuary; Godwins Ltd: 1988-93 Assistant Director & Actuary; Aon Consulting: 1993-2000 Pensions Director, 2000-02 Managing Director, Pensions Administration; Hazell Carr: 2002-04 Chief Operating Officer Office Address: Lloyds Chambers , 1 Portsoken Street , London , E1 8LN Off. tel.: 020 7309 8100 Off. fax: 020 7309 8190 Off. e-mail: john_reeve(at)jltgroup.com Off. web: www.jltgroup.com

REID Mr , (Iain ) Iain Andrew
Current Position: Chief Executive , Protego Real Estate Investors Degrees: FRICS Born: 26/8/1946 at: Aberdeen Spouse : Heather Married: 1999 Boys: 2 Girls: 3 Girls (prior relationship): 2 Education: London Business School: Entry to RICS by examination and completion of Investment Management Programme Career: Richard Ellis: to 1992 Partner in Investment Management and Head of Research; Aberdeen Property Investors International: 1993-2004 Chief Executive Professional Activities: Investment Property Forum: ex-Management Committee; IPF: Chairman of Working Groups on Property Investment for Pension Funds and the Property Performance Record Code of Practice; Property Derivatives Users Association Steering Group: Member Publications, etc: Property Investment for UK Pension Funds and the Property Performance Record Code of Practice (IPF Reports) Contributor and Editor-in-Chief; many articles in journals on property, pensions and investment Recreations and clubs: Theatre Office Address: Sweden House , 20 St James' Street , London , SW1A 1ES Off. tel.: 020 7451 2156 Off. fax: 020 7451 2101 Off. e-mail: iain.reid(at)protegorealestate.com Off. web: www.protegorealestate.com

REYNOLDS Mr , Malcolm
Current Position: Admnistration Client Director , Jardine Lloyd Thompson from: November 2002 Born: 27/6/1967 at: Midlands Spouse : Amanda Jane Married: 1991 Boys: 1 Girls: 1 Career: PricewaterhouseCoopers: Director; Profund Systems Ltd: Director Professional Activities: Chartered Insurance Institute: Associate; Chartered Insurance Practicioner Recreations and clubs: rugby; football Office Address: 17 Friar Street , County House , Reading , RG1 1DB Off. fax: 020 7309 8190 Off. e-mail: malcom_reynolds(at)jltgroup.com

ROBINSON Mr , (Hywel ) Hywel David
Current Position: Partner , Clifford Chance from: May 2004 Degrees: LLB, French Maitrisse, Solicitor Born: 28/9/1971 at: Manchester Spouse : Haggerty, Elizabeth Married: 2000 Boys: 1 Education: King's College, London; Universite de Paris I; College of Law Career: Clifford Chance: 1994-96 Trainee Solicitor; 1996-2004 Solicitor Professional Activities: APL: 1996- Member, 2001- Member of International Sub-Committee; IFSL: Member of Pensions Group; CCPS: Member of Taskforce on Pension Probability Publications, etc: contributor to various articles Recreations and clubs: football; theatre Office Address: 10 Upper Bank Street , London , E14 5JJ Off. tel.: 020 7006 8387 Off. fax: 020 7006 5555 Off. e-mail: hywel.robinson(at)cliffordchance.com Off. web: www.cliffordchance.com

ROSS Mr , (Finlay ) Finlay John MacLennan
Current Position: Joint Chief Executive , Aquila Group Holdings Ltd from: 7/10/1998 Degrees: MA, MSc, FIA Born: 4/9/1951 at: Edinburgh Education: Trinity College, Dublin: 1973 MA Mathematics; 1974 MSc Elementary Particle Physics; 1977 FIA Career: Phoenix Assurance: 1974-79 Assistant Actuary; KPMG Employee Benefits: 1974-79: Actuary; The Continuum Company: 1979-82 Actuary; Watson Wyatt: 1986-2001 latterly Chief Executive, Pensions Administration practice Publications, etc: many pensions articles in pensions and actuarial magazines in UK, USA and Ireland; co-author Institute of Actuaries sessional paper Recreations and clubs: Kildare Street & University Club; Bunhill Golf Club Office Address: Aquila House , 35 London Road , Redhill , Surrey , RH1 1NJ Off. tel.: 01737 859 859 Off. fax: 01737 857 122 Off. e-mail: finlay.ross(at)aquilauk.co.uk Off. web: www.aquilauk.co.uk

ROUTLEDGE Dr , (Peter ) Peter Antony
Current Position: Principal , Towers Perrin from: 1/1/1999 Degrees: Physics (First Class Honours), PhD Physics, FFA Born: 23/7/1963 at: Kidderminster Spouse : Cathy Married: 1992 Girls: 2 Education: Physics (First Class Honours), PhD Physics, FFA Career: Towers Perrin: 1987- Professional Activities: NAPF: speaker at NAPF and IPD courses Publications, etc: many articles in pensions journals Office Address: 71 High Holborn , London , WC1V 6TP Off. tel.: 020 7170 3818 Off. fax: 020 7170 2222 Off. e-mail: peter.routledge(at)towersperrin.com

RUMBLES Mr , (Steve ) Stephen John
Current Position: Managing Director & CEO , Merrill Lynch Pensions Limited from: October 2002 Born: 16/12/1964 at: Dartford Spouse : Sally Married: 1988 Boys: 1 Girls: 1 Career: Lloyds Bank: 1983-87 Clerical Officer; Mercury Asset Managers/Merrill Lynch: 1987-93 Custody, 1993-99 Head of DC Operations, 1999-2002 Head of Product Management & Member Communications, 2002- Head of DC Team Professional Activities: Raising Standards of Pensions Administration Recreations and clubs: golf; football; gardening; motor racing Office Address: 33 King William Street , London , EC4R 9AS Off. tel.: 020 7743 5016 Off. fax: 020 7743 1094 Off. e-mail: steve-rumbles(at)ml.com Off. web: www.mlim.co.uk

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SAMSWORTH Mrs , (Jane ) Jane Mary
Current Position: Partner, Pensions Group , Lovells from: 1/5/1991 Professional Activities: OPAS: 1993- Council, Deputy Chairman, Chairman; SPC: 2000-02 Council, Immediate Past President; City of London Solicitors' Company; APMI; APL

SANDERS Mr , (Chris ) Christopher Philip
Current Position: Senior Administration Consultant , Jardine Lloyd Thompson Benefit Solutions from: May 2004 Born: 10/9/1970 at: Barnstaple, Devon Partner : Hurt, Beth Career: Watson Wyatt: 1996-98; Claybrook Computing: 1998-2000; Mercer Human Resource Consulting: 2000-04 Publications, etc: various articles Recreations and clubs: Weybridge Cricket Club; Old Georgians Hockey Club; ski instructor Office Address: Lloyds Chambers , 1 Portsoken Street , London , E1 8LN Off. tel.: 020 7309 8109 Off. fax: 020 7309 8190 Off. e-mail: chris_sanders(at)jltgroup.com Off. web: www.jltgroup.com

SMITH Mrs , (Kate ) Kathryn
Current Position: Pension Manager / Consultant , PricewaterhouseCoopers LLP from: April 1996 Degrees: BA, ACII, APMI Born: 27/3/1965 at: Surrey Spouse : Stewart Married: 1991 Girls: 2 Education: University of York Career: Friends Provident: 1986-89 graduate trainee; Mercer Human Resource Consulting: 1989-92 Junior Consultant; ENCB Trust, Guyana, SA: Head of Pension Development, Pension Consulting & Administration Services Professional Activities: PMI Scottish Group: Assistant Secretary Recreations and clubs: running; body combat; aerobics; looking after children and their clubs Office Address: Erskine House , 68-73 Queen Street , Edinburgh , EH2 4NH Off. tel.: 0131 260 4226 Off. fax: 0131 260 4070 Off. e-mail: kate.smith(at)uk.pwc.com

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THOMAS Mr , (Richard ) Richard Forbes
Current Position: Strategy Adviser , Higham Group from: 2004 Career: Herbert Hill & Co: 1962-68; Price Waterhouse: 1968-70; Lucas Industries: 1970-72; Booker: 1972-87; The Law Debenture Pension Trust Corporation plc: 1987-04 Director Office Address: 1st Floor , 61 Southwark Street , London , SE1 0HL Off. tel.: 020 7921 2800 Off. fax: 020 7633 4600 Off. e-mail: info(at)highamgroup.com Off. web: www.highamgroup.com

TIPLER Mrs , (Isobel ) Isobel Ann Sheldon
Current Position: Independent Consultant from: 2004 Career: AMEC: 1974-86 Pensions Administrator, 1986- Pensions Manager, 1986-2004 AMEC Corporate Pensions Manager Office Address: Stara , Marwick , Birsay , Orkney , West Mainland , KW17 2ND

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UNDERHILL Mr , (Marcus ) Marcus Lyndon
Current Position: Head of Flexible Benefits Consulting , Mercer Human Resource Consulting from: 1996 Degrees: BSc, FIA Born: 8/10/1966 at: Stourbridge Spouse : Caroline Married: 1996 Girls: 1 Education: City University: BSc, FIA Career: Clay & Partners: 1988-91; Wyatt Company: 1991-96 Professional Activities: ACA: Member of Flexible Benefits Sub-Committee Publications, etc: many articles on flexible benefits in all journals Recreations and clubs: football; travel Office Address: Dexter House , 2 Royal Mint Court , London , EC3N 4NA Off. tel.: 020 7423 5581 Off. fax: 020 7423 5564 Off. e-mail: marcus.underhill(at)mercer.com

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WADDINGHAM Mr , (Adrian ) Robert Adrian Joseph
Current Position: Partner , Barnett Waddingham & Co from: 01/06/1989 Professional Activities: NAPF (West London): 1992-96 Committee, 1997-98 Chairman; APT: 1995-97 Chairman; IoA: Trustees Working Party; ACA: 1999- Honorary Secretary, 2004 Chairman; FSA Small Business Practitioner Panel: 1999-2002

WATERSON Mr , Nigel
Current Position: Shadow Pensions Minister , Member of Parliament from: 2003 Degrees: MA (Oxon) Born: 12/10/1950 at: Bradford : Dr Barbara Judge Boys: 1 Girls: 1 Education: Queen's College: Oxford Office Address: House of Commons , London , SW1A 0AA Off. tel.: 020 7219 4576 Off. e-mail: watersonn(at)parliament.uk Off. web: www.nigelwaterson.com

WEBSTER Mr , Keith
Current Position: Partner , CMS Cameron McKenna from: 1/5/2004 Degrees: MA, APMI, DipIEB, Solicitor Born: 4/9/1972 Spouse : Joanna Married: 1998 Boys: 1 Girls: 1 Education: St Johns College, Cambridge Career: CMS Cameron McKenna: joined 1996 Professional Activities: APMI; OPAS Advisor Recreations and clubs: West Ham United; singing Office Address: 160 Aldersgate Street , London , EC1A 4DD Off. tel.: 020 7367 3000 Off. fax: 020 7367 2000 Off. e-mail: keith.webster(at)cmck.com

WEST Miss , (Sarah ) Sarah Ann
Current Position: Managing Partner , Edis Partnerships Ltd from: 1/7/2004 Degrees: Masters in Business Administration, FPC Born: 16/2/1966 at: Cheltenham Career: GCHQ: 1984-87; Eagle Star (now Zurich Financial Services): 1987-2000; Aon Consulting: 2000-03; Edis Partnerships: 2003-04 Partner, Pensions Services Professional Activities: SPC Administration Committee: Member Publications, etc: various articles in pensions journals Recreations and clubs: Lilley Brook Golf Club: swimming; travel Office Address: The Talbot , 2 Victoria Street , Bristol , BS1 6BB Off. tel.: 0870 830 8300 Off. fax: 0870 830 8599 Off. e-mail: swest(at)edis.co.uk Off. web: www.edis.co.uk

WHITE Mr , (John ) John David
Current Position: Partner , RSM Robson Rhodes from: 1/4/03 Degrees: ACII, MSFA, Chartered Insurance Practitioner Born: 5/11/1966 at: Liverpool Spouse : Karen Married: 1989 Boys: 1 Girls: 1 Education: Chartered Insurance Institute Career: Commercial Union: 1986-89 Broker Consultant; NPI: 1989-91 Pension Consultant; Trinity Financial Services: 1991-95 IFA; Hornbuckle Mitchell: 1995-97 Associate Director; RSM Robson Rhodes: 1997-2001 Northern Regional Manager, 2001-03 Director, 2003- Partner of Pensions and Investment Professional Activities: Chair of Governors at Bradshaw Hall Publications, etc: Tolleys Peronal Financial Planning Manual: Editor Recreations and clubs: golf; Liverpool Football Club: Season Ticket Holder; weight training; taxi driver for my children Office Address: Colwyn Chambers , 19 York Street , Manchester , M2 3BA Off. tel.: 0161 455 3318 Off. fax: 0161 455 3309 Off. e-mail: john.white(at)rsmi.co.uk Off. web: www.rsmi.co.uk

WICKENDEN Mr , (Clive ) Clive Stuart
Current Position: Head of Business Improvement / Client Manager , Capita Hartshead from: March 2003 Born: 6/5/1960 at: Redhill, Surrey Spouse : Julie Married: 1987 Girls: 2 Career: Crusader Insurance: 1977-87; William M Mercer: 1987-99; Aon Consulting: 1999-2000; Mercer Human Resource Consulting: 2000-03 Professional Activities: QPA Examiner: 1995-; NAPF Yorkshire Group: 2004- Committee Member Recreations and clubs: Flaxby Park Colf & Country Club Office Address: Hartshead House , 257 Ecclesall Road , Sheffield , S11 8NX Off. tel.: 0114 273 7331 Off. fax: 0114 275 0998 Off. e-mail: clive.wickenden(at)capita.co.uk Off. web: www.capitahartshead.co.uk

WILKINSON Mrs , Lynn
Current Position: Group Pensions Manager , AEA Technology plc from: 5/4/2004 Office Address: B329 Harwell , Didcot , Oxon , OX11 0QJ Off. tel.: 01235 433 795 Off. fax: 01235 436 656 Off. web: www.aeat.co.uk

WRIGHT Mr , (Graham ) Graham John
Current Position: Consultant Professional Activities: OPAS: 1986- Director, 2004- Deputy Chairman

WYLLIE Mr , Robert
Current Position: Market Director - Corporate , Scottish Widows plc from: August 2004 Degrees: BA (Hons), APMI Born: 5/10/1960 at: Edinburgh Spouse : Trudi Married: 1986 Education: Heriot Watt University: 1977-81; APMI: 1988 Career: 1986-91 Pension Consultant, 1991-97 Development Manager, 1997-99 Group Database Marketing Manager, 1999-2002 Head of IFA Development, 2002-04 Internediary & Partnership Director Professional Activities: APMI Office Address: 69 Morrison Street , Edinburgh , EH3 8YF Off. tel.: 0131 655 6525 Off. e-mail: robert.wylie(at)scottishwidows.co.uk Off. web: www.scottishwidows.co.uk



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