Former Partner, Goldman Sachs and former Global Head of Goldman Sachs Consumer Business. Mr. Talwar brings to the Board extensive senior-level global payments experience and consumer insight through his leadership roles in payments and consumer banking across Europe, India, the Middle East and North America and as a director on public and private company boards. This experience provides global perspective and regulatory insight. His experience leading complex business functions brings significant insight with respect to culture development and talent management. Over the course of his career, Mr. Talwar has overseen public company financial performance and operated within highly regulated environments, with extensive experience in financial oversight, internal controls and risk management. Director since April 2022. Age at Annual Meeting 65. Board committees: Audit, Human Resources and Compensation. Professional experience: Goldman, Sachs & Co., a multinational investment bank and financial services company - Chairman of the Consumer Business (Marcus) (January 2021-December 2021), Global Head of the Consumer Business (Marcus) (2015-2021). Discover Financial Services, a digital banking and payment services company - President, U.S. Cards (2008-2015), Executive Vice President, Head of Payments (2004-2008). Morgan Stanley, a global financial services firm - Head of Consumer Banking International (2000-2003). Current U.S.-listed company directorships: Better Home & Finance Holding Company, a digital-first homeownership company (since 2022) - Chairman of the Board of Directors.