Mr. Freiberg has served as the Vice Chairman of our Board of Directors since May 2021. Mr. Freiberg was previously the Vice Chairman of the Social Finance Board of Directors from September 2017 to May 2021 and a director of Social Finance from March 2017 until May 2021. Mr. Freiberg served as a senior advisor to Social Finance from July 2018 to June 2019 and also served as Social Finance s interim Chief Financial Officer from May 2017 to June 2018. Mr. Freiberg is a long-term veteran of the financial services sector, having served as the Chief Executive Officer of E*TRADE Financial Corporation, an electronic trading platform, and having held multiple positions at Citigroup over a 30 year period, including serving as the Co-Chairman and Chief Executive Officer of Citigroup s Global Consumer Group. He has also served as a board member of Regional Management since July 2014, Rewards Network since 2017, and Borrowell, Inc. since 2025, and as a Founder of Grand Vista Partners, and a senior advisor to several companies including Towerbook Capital Partners PE and the Portage Structured Equity Fund. Mr. Freiberg previously served as co-founder and chairman of the board of Fair Square Financial, LLC from 2016 until its acquisition in December 2021, as a board member of MasterCard from September 2006 until June 2022, as a board member of Compass Digital Acquisition Corp. from December 2021 until its acquisition in September 2023, as Chairman of the board of Portage Financial Technology Acquisition Corp. from August 2021 until its acquisition in July 2023, and as a board member of Purchasing Power Corp. from February 2017 until its acquisition in January 2026. We believe that Mr. Freiberg is qualified to serve as a member of our Board of Directors because of his experience as a director of public companies and his knowledge of the financial services industry.