Glacier Financial Solutions (Pty) Ltd REG NO 1999/025360/07

	Anton Raath Chairman and Chief Executive Officer CA (SA), Higher Diplomas in Accounting and Tax Law Anton was appointed CEO in January 2005 and has extensive experience in the investment world.  He started his career at Ironside Greenwood before joining Southern Life in 1983.  In 1996, Anton was appointed director:  business services at Southern Asset Management.  Two years later, he took up the role of their chief operating officer.  He was appointed head of retail at Gensec Asset Management in January 2000.  Later that year he was appointed deputy managing director and chief operating officer at Sanlam Investment Management.  In 2002, Anton was appointed MD of Sanlam Private Investments while continuing to fulfill his role as COO of Sanlam Investment Management. He held these positions until appointed as chief executive at Glacier.
	Michelle Möller Head:  Client Services BA (English & Psychology), Higher Diploma in Journalism Michelle was appointed in May 2005 as head of client services.  Her responsibilities include the communication centre, operations and investment administration.  Before joining Glacier she worked for the online bank 20twenty for four years, where she was responsible for the contact centre and all aspects relating to customer experience.  She gained extensive experience in the life insurance industry working for eight years at Norwich Life (which became part of the Fedsure Group). Michelle also oversees Glacier's HR team.
	Ahmed Banderker Head: Finance CA (SA) Ahmed was appointed in November 2006 as head of finance. He is a chartered accountant, having studied at UCT and Unisa. After completing his articles at Fisher Hoffman PKF, Ahmed joined Sail Group Ltd as Finance Manager.  He then joined Shell in 2003, and was appointed as Financial Manager for Southern Africa in 2004.  In 2005 Ahmed took on the role of Finance Manager for Africa Lubricants, a division of Shell, which saw him leading a diverse team across different countries.  In addition, he was also appointed as a board member and shareholder representative in Shell's subsidiary companies in South Africa.  His key responsibility at Glacier is to lead the finance team and to work closely with the different departments, as well as various business units within the Sanlam Group, in developing and implementing the business strategy.