Mr Duffy has over three decades of experience in banking and financial services in both the UK and internationally. He brings industry understanding to the Board as well as strong executive leadership which is critical to his role as CEO. His drive, energy and commitment to customers as well as his proven ability to build and lead strong management teams and transform businesses brings significant value to all of Virgin Money's stakeholders. Prior to joining the Group, Mr Duffy was CEO at Allied Irish Banks plc and previously of Standard Bank International where he had responsibility for operations in the UK, Europe, Latin America and Asia. He was also previously Head of Global Wholesale Banking Network with ING Group and President and Chief Executive of the ING wholesale franchises in the United States and Latin America. Mr Duffy is a past president of the Banking and Payments Federation of Ireland and a past Director of the European Banking Federation. He is Senior Independent Director of UK Finance Limited, the industry body representing leading firms providing finance, banking, markets and payments-related services in or from the UK, member of the Confederation of British Industry (CBI) President's Committee, an advisory body providing advice to the President and CBI executive on all issues of national importance, HM Treasury Fintech Envoy for England and a Board member of The Northern Powerhouse Partnership.

Mr Bennett is an experienced Chairman and Non-Executive Director. He brings experience of retail banking, strategy, risk management, corporate activity and organisation, operational and structural change gained from his long career in financial services. He has the governance expertise and external insight required to lead an effective Board which is critical to the long-term success of the Group. Prior to becoming Chairman in 2020, Mr Bennett had been Deputy Chairman since 2015 and therefore has the experience of the Group and track record needed to support the Board and executive in delivering the medium and longer-term strategy. His business career includes time as Group Finance Director of Alliance & Leicester plc for six years before becoming its Group Chief Executive. Following the acquisition of Alliance & Leicester plc by Banco Santander he was Executive Director on the Board of Abbey National plc. He was formerly Chairman of Homeserve Membership Limited and Together Financial Services Limited, was a Non-Executive Director on the Board of Bank of Ireland (UK) PLC and has significant Non-Executive Director experience in listed environments which has included easyJet plc and CMC Markets PLC He is Chairman of Ashmore Group plc, Non-Executive Director of PayPal (Europe) S.a.r.l et Cie, S.C.A and Non-Executive Board member of The Department for Work & Pensions.

Mr Coby's experience as a Chief Information Officer (CIO) gained over 20 years at Johnson Matthey, John Lewis and BA is highly relevant to the Group's digital strategy. His experience in leading digital transformation, delivering technology-enabled change, cyber defence and IT operational excellence enable him to bring invaluable specialist insight to the Board. Mr Coby is currently CIO at Johnson Matthey, a FTSE 100 global leader in sustainable technologies. Johnson Matthey applies its scientific expertise to enable cleaner air, improved health and the more efficient use of the world's natural resources, underpinned by digital technology with a diverse team across multiple countries. Prior to joining Johnson Matthey, he was the first John Lewis partnership CIO responsible for creating a unified IT function and an integrated cyber security programme. He spent ten years as BA's CIO and was accountable for the design, development and operation of BA's IT and eCommerce strategy. The Board also benefits from Mr Coby's board governance experience, his previous roles having included Chairman of Societe Internationale de Telecommunications Aeronautiques (SITA), Non-Executive Director at Pets at Home Group plc and at P&O Ferries Limited, Chairman of the eSkills UK CIO Board which created Computer Clubs for Girls, and Chairman of the oneworld CIO Group. He is Chief Information Officer of Johnson Matthey PLC

Mr Wade's background as an experienced CFO, his breadth of financial services experience and the industry knowledge he has gained from over 20 years at both executive and Non-Executive Director level is excellent grounding for his role as Chair of the Audit Committee. His accounting, financial services audit, prudential oversight and corporate governance knowledge, including experience as an audit committee chair, strengthen the Board. His previous Non-Executive Director roles include Macquarie Bank International Limited, Friends Life Group Limited, Monitise plc and The Access Bank UK Limited. He was a Managing Director at AMP Group, responsible for both its Bank and the Virgin Direct (now Virgin Money) JV. Earlier in his career he was Group CFO at Colonial Limited in Melbourne, Australia where he oversaw the company's IPO and was involved in its acquisition by Commonwealth Bank. He is Non-Executive Director and Chair of the Audit Committee of RBC Europe Limited and Non-Executive Director and Chair of the Audit and Risk Committee of Chubb Underwriting Agencies Limited.

Ms Stirling's strategic and financial leadership experience gained over a number of years, and recent and relevant financial experience as a CFO, strengthen the Board and enables her to provide key input on the development of the Group's strategy. She also brings invaluable brand and consumer perspectives and insights from her role as CFO at the Virgin Group which spans a broad range of industries and core consumer sectors including; travel and leisure; telecommunications and media; music and entertainment; health and wellness; and financial services. Ms Stirling has experience of boards at both executive and non-executive level. Her previous appointments include Non-Executive Director and Chair of the Audit & Risk Committee at the UK Cabinet Office, Non-Executive Director and Chair of the Audit Committee at Pets at Home Group plc, CFO of The Princes Trust and CFO at TalkTalk Telecom Group Plc. She was Chief Financial Officer of the Virgin Group and Non-Executive Director of RIT Capital Partners plc where she chairs the Audit and Risk Committee and is a member of the Valuation Committee. Trustee of Virgin Unite, the entrepreneurial charitable foundation of the Virgin Group focused on social and environmental issue

Ms Gopalan's financial services, retail banking and payments industry experience gained over more than 25 years strengthen the Board. Her understanding of the digital economy and interest in emerging technologies including the use of data and analytics in financial services enhance Board discussions with respect to the Group's digital strategy in particular. Her extensive experience in the retail banking and payments industries mean she has a strong focus on customer conduct and fairness considerations and in delivering customer-focused outcomes. Her broad risk and governance experience is highly relevant to her role as Chair of the Risk Committee. Ms Gopalan was formerly Executive Chair of Monitise Europe, a Non-Executive Director at VocaLink and Vice Chair of the Big Lottery Fund England, one of the largest funders of the third sector in England. Among the many roles in her career, Ms Gopalan was Director of Payment Services with HBOS plc and previously Managing Director, UK Retail Bank and Business Development Head EME at Citigroup. She is Senior Independent Director and Chair of the Audit Committee of Funding Circle Holdings Plc, Non-Executive Director and Chair of the Remuneration Committee of Ultra Electronic Holdings Plc, Non-Executive Director and Chair of the Risk Committee at Wizink Bank S.A. and Trustee of the Old Vic Theatre Trust 2000.

Mr Pope brings relevant experience in retail banking and financial services from a career spanning more than 30 years during which he held senior and board level positions as a CFO and finance director. His in-depth understanding of financial and risk matters and experience of managing relations with investors and regulators provides an excellent foundation for his role as Chair of the Remuneration Committee. Mr Pope has experience of board governance including as a senior independent director and as chair of audit committees. His previous appointments include CFO of TSB Bank plc, where he took the lead role in the divestment of the TSB business from Lloyds Bank plc and its subsequent Initial Public Offering (IPO) and takeover. Prior to that he held several executive and senior retail banking and finance roles at Lloyds Banking Group plc. She is Senior Independent Director and Chair of the Audit Committee of Funding Circle Holdings Plc, Non-Executive Director and Chair of the Remuneration Committee of Ultra Electronic Holdings Plc, Non-Executive Director and Chair of the Risk Committee at Wizink Bank S.A. and Trustee of the Old Vic Theatre Trust 2000.

Ms Novokreshchenova's understanding of customer-centric digital first organisations and the technology ecosystem gained over a 20-year international career, brings a wealth of experience to the Board. Ms Novokreshchenova's most recent role was Executive Vice President of International at Remitly, a leading disruptor in the app first digital remittance space, appointed to internationalise, scale and drive company growth as a leading digital money transfer provider. Prior to this, Ms Novokreshchenova held senior technology product and general management positions at Expedia Inc. She also brings an invaluable strategic perspective from her time spent in the management consulting role at Strategy& (part of PricewaterhouseCoopers LLP) as well as a strong financial acumen from her risk and debt finance roles at Barclays PLC. Ms Novokreshchenova is a strong advocate for diversity and inclusion in the technology sector and is a member of the 'Women in Payments Group' and the Worshipful Company of International Bankers. She is a regular speaker at technology summits and forums. She is Senior Independent Director and Chair of the Audit Committee of Funding Circle Holdings Plc, Non-Executive Director and Chair of the Remuneration Committee of Ultra Electronic Holdings Plc, Non-Executive Director and Chair of the Risk Committee at Wizink Bank S.A. and Trustee of the Old Vic Theatre Trust 2000.

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