Nicholas Peter Cruz LLB TEP was born in Gibraltar and educated at Worth Abbey in the United Kingdom. He studied law and graduated from Kingston University in Surrey before becoming a member of Middle Temple Inn of Court. He completed his studies at the Council of Legal Education in Chancery Lane, London, and was subsequently called to the Bar of England and Wales. He returned to Gibraltar in 1989 and was subsequently called to the Bar of Gibraltar.

He has practised law in Gibraltar ever since, concentrating on Trust, Company, Admiralty, Conveyancing, Commercial and Civil Litigation. Nicholas was a founder member of the Bar Council Conveyancing Committee. He is a trust and estate practitioner and served as the Chairman of the Association of Trust and Company Managers (ATCOM), and a member of the Gibraltar Finance Centre Council, a Government policy advisory committee for nearly 3 years.

He remains on the Board of Directors of ATCOM. Nicholas is an overseas member of the Clerksroom, Barristers Chambers, Taunton, Somerset.

Paul Louis Borge, BA (Hons) was born in London and educated at Worth Abbey in the United Kingdom. He read law at Derby University then joined the Honourable Society of Gray's Inn before completing his professional studies at the Inns of Court School of Law, London. He was Called to the Bar of England and Wales in 1998 and called to the Gibraltar Bar in the same year.

Paul joined local chambers where he undertook pupilage and joined Cruz & Co as an associate in 1999. He subsequently spent four years with another leading firm before taking partnership at Cruz & Co in 2004. His main practice areas are company and commercial law, private client and civil litigation.

Serge Gilbert Garcia was born in Gibraltar, educated in the Gibraltar Grammar School and Manchester University where he read Economics. He remained in the United Kingdom for the earlier part of his career working with Lombard Marine Finance. The opening of the Gibraltar land frontier with Spain brought about a considerable growth in the Financial Centre and soon after the establishment of Banco Espanol de Credito SA, a subsidiary of Banco Santander.

Serge returned to Gibraltar to take over as Chief Executive of the Services Department of the bank, providing Corporate Foundations, Trusts, Estate Management, and International Tax Services. Subsequently Serge joined Deloitte & Touche, once again as Chief Executive of their Services Department. He remained there until he established Acquarius Trust Company Limited in cooperation with the legal firm of Cruz & Co.

Serge is a Fellow of the Institute of Chartered Secretaries and Administrators, a Fellow of the Chartered Institute of Bankers and a Trust and Estate Practitioner. He has been the Chairman of the Association of Trust and Companies Managers and a member of the Gibraltar Financial Centre Council.

Joseph E A ("Pepe") Vaughan MBE MIPR was born in Gibraltar in 1926 and educated at Ilminster Grammar School Somerset. In 1943 Pepe joined the forces and served in the Fleet Air Arm. After the war Pepe followed a long successful career in Government opting for early retirement from his position as Director of Tourism in 1983. His service was recognised in 1970 by Her Majesty the Queen and he was awarded an MBE. In 1983 Pepe established a Trust and Company Management Company fully licensed by the Financial Services Commission and which he recently sold.

He has been Chairman of the Association of Company Trust Managers and a member of the Financial Centre Advisory. He has joined Messrs Cruz & Co as Property Marketing Consultant which chiefly involves real estate sales and commercial development in Gibraltar, Spain and in particular the Costa del Sol.