Mr Gordon has over 20 years' experience as a director of both public and private companies and has experience in the corporate advisory and financial services sector. He is currently Chair of Accent Group Limited and Founding Principal of Lexicon Partners. He was previously a Director and Chair of Ten Network Holdings and held senior roles at Herbert Smith Freehills and boutique investment bank, Wentworth Associates.

Mr Crane has more than 40 years of financial market experience, as well as a long and successful history of directorships of publiclylisted companies. He began his career at AMP, working in funds management. When ABN AMRO acquired BZW Australia and New Zealand in 1998, Steve became Chief Executive and remained in this role until his retirement. Since then, he has been a member of boards in a variety of different sectors including banking, investment fund management, retail, property, resources and superannuation. Steve has expertise in developing and leading international businesses, reviewing, scrutinising and implementing corporate strategy, people leadership and government interactions at senior levels. Steve is a Non-Executive Director of APA, including APT Pipelines Limited and SCA Property Group. Steve has previously been a Non-Executive Director of Bank of Queensland, Transfield Services Limited, Investa Property Group (Chair), Foodland Associates, Adelaide Bank Limited, Adelaide Managed Funds, Investment Banking and Securities Association (Chair), APA Ethane Limited and a Trustee of ARIA (a Commonwealth employee superannuation fund). Other commitments Steve is Chair of Taronga Conservation Society Australia and Chair of Global Valve Technology Limited.

Ms Loveridge has over 35 years of experience in banking, wealth management, private equity and property. She has knowledge of financial and regulatory reporting, risk management controls and compliance frameworks. She also has experience as a Committee Chairperson. Formally trained as a Chartered Accountant, Anne has a of experience in financial reporting, auditing, risk, ethics and regulatory affairs following her 31 years with PwC Australia, where she retired as Partner and Deputy Chair in 2015. Through senior leadership roles in the firm, Anne also has experience and a focus on leadership, performance and culture. She was specifically involved in the creation of targets, mentoring and development programs for senior executives, as well as evaluating organisational training programs to identify areas of bias. Anne Loveridge is entitled to receive a retirement benefit from PwC as part of her retirement plan. The amount of the payment was determined at the time of retirement, based on role and tenure with the firm. The benefit is not impacted by the revenue, profits or earnings of PwC. Anne has declared her previous relationship with PwC to the nib Board and the Board is satisfied that it does not affect her independence as Non-Executive Director and does not constitute a conflict of interest. The nib Board has in place mechanisms to manage conflicts of interest where they arise. Anne is a Non-Executive Director of Platinum Asset Management (Chair of the Audit, Risk and Compliance Committee) and a Non-Executive Director of National Australia Bank Limited (Chair of the Remuneration Committee). Anne is Chair of Australian theatre company, Bell Shakespeare Limited. She is the member of the Investment Committee, Risk and Reputation Committee.

Mr O'Dwyer is also a Director of nib health funds limited. Industry experience Donal has a knowledge of the health industry globally, after more than 35 years in senior executive and Non-Executive Director roles within the healthcare products and medical device sectors. He went on to gain experience in business, science, engineering, manufacturing and management. During his tenure with Baxter Healthcare, he rose through the ranks from plant manager to President of the Cardiovascular Group Europe, gaining a understanding of the inner workings of business strategy and fiscal management, from the floor of the factory through to the boardroom. He then worked for Cordis (the cardiovascular device franchise of Johnson & Johnson) - initially as European President and later, when he located to the US, he served as Worldwide President. In his role as member of the nib Risk and Reputation Committee, Donal has a interest in environmental, social and governance factors and how these performance indicators can help promote long-term financial success. Donal is a Non-Executive Director of Cochlear Ltd, Mesoblast Ltd (Chair of the Nomination and Remuneration Committee) and Fisher & Paykel Healthcare Corporation Ltd. He was director of Chair of CardieX Limited (formerly AtCor Medical Holdings Limited). He is Chair of the Investment Committee, and a member of the Risk and Reputation Committee, People Committee.

Mr Fitzgibbon is a Director of nib health funds limited, as well as many other nib holdings limited's subsidiaries. He is also a member of nib holding's Nomination Committee. Industry experience Mark has held executive positions at a number of large Australian organisations, including local government councils and peak bodies. Leading nib for almost 20 years, Mark has transformed the business from a regionally based (Newcastle, NSW) private health insurer into one of Australia's fastest growing and innovative health funds. As Managing Director, Mark's strategic focus has been to grow and diversify nib's business and with that earnings by leveraging nib's capability, systems and people. Mark has previously served as CEO of both the national and NSW peak industry bodies for licensed clubs, as well as holding several General Manager positions in local government. Other commitments Mark is currently a Director of Private Healthcare Australia.

Ms Ausburn have more than 30 years experience in the pharmaceuticals industry, Lee has a wealth of knowledge in the global health industry. Lee have experience in retail and hospital pharmacy, as well as in academia. She had a career in the pharmaceutical industry with Merck Sharp and Dohme (Australia) Pty Ltd and was previously Vice President - Asia for Merck and Co Inc with responsibility for the company's operations across nine countries. At Merck and Co Inc, Lee built high performing organisations with enhanced ethical and compliance frameworks, across the Asia Pacific region. She also has marketing experience with customer centric approaches that had proven results with the region growing strongly under her leadership. Operating in a highly regulated industry, Lee also developed strong regulatory and government relations skills. She also has experience operating joint ventures, including chairing the Far East Operating Board, overseeing the successful Merck- Schering Plough Asia Pacific Joint Venture from 2003 to 2007. Lee is currently a Director of pharmaceutical wholesaling and pharmacy retail business, Australian Pharmaceutical Industries Ltd. Other business and market experience Lee was previously a member (2010-2015) and President (2015- 2017) of the Pharmacy Foundation at the University of Sydney. She's also been an industry representative on the Australian Government's Pharmaceutical Health and Rational Use of Medicines Committee (1993-1996) and the Drug Utilisation Subcommittee (1995-1997). In NSW, she was a Board member of NSW Health's Clinical Excellence Commission and the Agency for Clinical Innovation (2010-2014), established to enhance quality and safety in NSW hospitals. Lee is currently a Mentor for Women on Boards. She is Chair of the People Committee and a member of the Risk and Reputation Committee.

Mr Harmer has over 40 years' experience in the Australian and international insurance and financial sectors, including over 30 years in a senior executive capacity. He was formerly Chief Executive Officer of Insurance Australia Group (IAG), CGU Insurance, Aon Limited UK, Aon Risk Services Australia Pacific and Aon Re Australia. Mr Harmer was also Chairman of Aon Re Australia and the London Market Reform Group and is currently a Non-Executive Director of the Commonwealth Bank of Australia.

Ms Chow has more than 20 years experience working with global blue-chip consumer product multinationals in a range of executive and non-executive positions in general management, strategy, marketing as well as technology and innovation. Her early career concentrated on business analytics, brand equity and marketing. Jacqueline is currently a Non-Executive Director of Coles Group Limited. Other business and market experience Jacqueline has significant global experience driving strategic growth and innovation across customer and consumer brands for the likes of Fonterra, Campbell Arnott's and the Kellogg Company. She was previously Deputy Chair of Global Dairy Platform and a Director of Fisher & Paykel Appliances in New Zealand, Dairy Partners Americas, the Riddet Institute (Massey University NZ) and The Arnott's Foundation. In her role with McKinsey & Company RTS, she advises clients across resources, retail, financial services, telecommunications and consumer sectors on organisational change and high performance culture. Other commitments Jacqueline is a Non-Executive Director of the Australia-Israel Chamber of Commerce and a senior advisor with McKinsey & Company RTS. She is Chair of the Risk and Reputation Committee and a member of the People Committee.

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