Mr. Hughes has over 30 years of experience in financial services and consulting and has been an independent consultant and senior advisor to the Boston Consulting Group, a management consulting firm, since 2022, serving clients in the financial industry on growth strategy, digital transformation and risk management. From 2012 to 2021, Mr. Hughes served in roles of increasing responsibility at Discover Financial Services, a financial services company, including as Chief Risk Officer (2016-2021), SVP and General Manager of Deposits (2015-2016) and SVP of Cardmember Marketing (2012-2015). Prior to joining Discover Financial Services, Mr. Hughes held executive roles, including CEO, for HSBC s Card and Retail Services business and served as a strategy consultant with Booz Allen Hamilton. Mr. Hughes has served on the CFPB's Consumer Advisory Board (2015-2018) where he advised on regulatory policy and on the Board of the Risk Management Association (2018-2021) where he was a member of the executive committee. Mr. Hughes was selected to serve on our Board because of his experience in the financial services industry, including in risk management, and his financial expertise.