Personal:
Born Edinburgh 30th Jan 1951.
Married Yvonne 1974; Son Euan, Daughters Lindsay and Catherine.

Education:
George Watson's College, Edinburgh
Trinity College, Dublin
Harvard Business School

Honours:
1999 - MBE for service to community
2006 - OBE for services to charity & Business in the Community
2005 - HRH The Prince of Wales's Business Ambassadors Award
2005 - Order of St. Cedd, Chelmsford Cathedral
2006 - Lay Canon, Chelmsford Cathedral
2006 - Round Table, GB & Ireland, Founders Award for lifetime contribution
2008 - Deputy Lord Lieutenant, County of Essex
2009 - Honorary Doctorate - Anglia Ruskin University

Career:
Joined Lloyds Bank 1973.
1994 - 1996 - Head of Business Banking, Lloyds Bank
1996 - 1998 - Managing Director, Business Banking, LloydsTSB
1998 - 2000 - Chief Executive, LloydsTSB (Scotland)
2000 - 2001 - Director of Branch Networks
2001 - 2003 - Director of Retail Distribution
2003 - 2005 - Director of Policy Co-Ordination and Risk

Industry:
British Bankers Association - Chaired Business Banking Committee 1996-98 and Retail Committee 2003-5

Directorships:
Capital for Enterprise Ltd
HM Revenue and Customs (Chair, Audit Committee)
Harlow Renaissance Limited (Chair)
Spice Haart Ltd (Chair)

Church:
Governor of the Commissioners of the Church of England (Chair, Audit Committee)
St. Paul's Cathedral Foundation
Chelmsford Diocesan Board of Finance (Chair)
Chelmsford Cathedral Council

Voluntary Sector:
Business in the Community. (Deputy Chair)
Royal Zoological Society of Scotland (President.)
Essex Community Foundation (Chair)
Anglia Ruskin University (Board Member)

Previous Appointments
Chair, Blind In Business - 2000/07
Chair, Action for Blind people - 2007/10
Chair, Vitalise - 2005/10

Non Executive Directorships
Edrington Ltd 2000/7
Callcredit Ltd - 2006/9
Skipton Building Society - 2009/10

Interests:
Cooking and Eating, Theatre, Listening to Sport, Swimming and Gardens. Motorcycling.