Age: 56 Director Since: 2017 Committees: Audit (Chair), Compensation Background / Qualifications Mr. Frymier draws on more than 25 years experience in financial services and asset management, which adds to the expertise of the Board. He currently serves as the Chief Financial Officer of Evernorth, playing a central role in guiding the company s financial strategy, capital management, and overall fiscal governance. As CFO, he is part of the executive leadership team advancing Evernorth s development as a publicly traded institutional XRP vehicle, where he supports the company's mission to provide regulated, institutional access to the XRP ecosystem. Prior to his current role, Mr. Frymier was a Managing Director of Financial Technology Partners. During his 17-year tenure at Bank of America Corporation, Mr. Frymier led a principal investment division responsible for strategic investments and mergers and acquisitions targeted at building the Bank of America franchise, which aligns with the Company's approach to growth and acquisitions. His entrepreneurial spirit is evident in that he co-founded Corrum Capital Management, LLC, an alternative asset management firm in San Francisco, California, and Charlotte, North Carolina, in December 2013, which he departed in 2018. In addition, he recently served as a Director and Chairman of the Chicago Stock Exchange and as a Director of numerous other companies including FXAll, Incapital and BATS Global Markets over the last 15 years. Mr. Frymier s extensive prior board experience has honed his ability to exercise independent judgment and engage in strategic decision-making.