Mr. Howard was appointed to the Board of Directors of the Company in March 2026, and serves as a member of our Audit Committee. Mr. Howard currently serves as the Managing Director, Chief Technology, Operations, and Data Officer for Charles Schwab, a global financial services firm. He is responsible for Charles Schwab s information technology, including a centralized technology organization and an enterprise project management office. In addition, he is responsible for the firm s data assets, teams that handle all operational transactions for current clients of Charles Schwab, and the firm s transformation-related initiatives. Mr. Howard joined Charles Schwab in September 2014 as Senior Vice President of core technology solutions and served as the firm s Executive Vice President and Chief Information Officer from 2016-2025. Prior to Charles Schwab, Mr. Howard was Senior Vice President and Chief Information Officer for Visa Inc. During his 12-year tenure at Visa, he served in various information technology roles across a number of disciplines, including development of enterprise systems, data and analytics, and client-facing product development. Mr. Howard received his bachelor's degree from the University of Texas at San Antonio, and his master's degree from Baylor University. Mr. Howard s extensive information technology, cybersecurity and leadership experience, as well as his deep understanding of consumer-focused technology, operations planning and management, qualify him to serve on our Board of Directors.