The following Board members will address shareholders at this year's meeting:

Chairman Dennis Stevenson Age 61. Dennis was appointed Chairman of HBOS plc in 2001 and became Governor of the Bank of Scotland on 1 January 2006. He is Chairman of the House of Lords Appointments Commission, Chancellor of the University of the Arts London, a Non-executive Director of Western Union Group and President of the Employers Forum on Age.

Chief Executive Andy Hornby Age 40. Andy became Chief Executive of HBOS plc on 31 July 2006, having previously (since 2005) been the Group's Chief Operating Officer. Andy joined the Board of the Halifax Group in 1999 as Chief Executive of the Retail division. He is a Non-executive Director of Home Retail Group. Prior to joining Halifax, Andy undertook various roles at the Boston Consulting Group, Blue Circle and ASDA.