John (JT) Thomas has been involved in banking, finance and funds management activities for 49 years. He has managed Howard Mortgage Trust for 17 years and grew the trust to over $3.0 billion to be the largest and consistently the best performing trust of its kind in Australia. JT was formally the chairman of the Financial Services Council mortgage fund sector. He has also previously advised APRA and ASIC on industry matters. JT also has an enviable record of not having lost a single cent of investor funds in his mortgage and property fund activities.