Judson (Jud) Linville has been appointed by the Board to serve on the Board effective immediately following the conclusion of the Annual Meeting. Mr. Linville is a public company executive and senior advisor with more than 30 years of experience in the financial services and technology sectors. Mr. Linville was most recently a senior advisor at General Atlantic LLC, a global growth equity firm, from 2019 until 2024. From 2010 to 2018, Mr. Linville was the Chief Executive Officer for Global Cards and Consumer Services at Citigroup Inc., a publicly traded global financial services institution, where he led the global credit card franchise, representing $13 billion in revenue and 55 million individual and small business customers across 18 countries. Prior to his role at Citigroup, Mr. Linville spent more than two decades at American Express where he held the role of President and Chief Executive Officer for Consumer Card Services and served on the six-person management team that set the strategic direction for the company. Mr. Linville currently serves on the board of directors of Marqeta, Inc. (NASDAQ: MQ), a financial technology company which provides a cloud-based, open API platform for modern card issuing and transaction processing. Mr. Linville holds a Doctor of Psychology in Clinical Psychology from the College of Medicine at Drexel University and a Bachelor of Arts in Psychology from Lafayette College. We believe that Mr. Linville is qualified to serve on our Board because of his experience as an executive and board director in the financial services industry.