Management team Board of Directors Michael Hutko Member of the Board and Chief Executive Officer Johannes Bruinzeel Member of the Board and Chief Credit Risk Officer Ronald Meersschaert Member of the Board Michael Warrington Member of the Board Godfrey Huber Member of the Board Benjamin Muscat Member of the Board Audit Committee Benjamin Muscat - Chairman Godfrey Huber - Member Risk Committee Godfrey Huber - Chairman Benjamin Muscat - Member Executive Committee Michael Hutko - Chairman and Chief Executive Officer Johannes Bruinzeel - Member and Chief Credit Risk Officer Assets and Liabilities Committee Michael Hutko - Member and Chief Executive Officer Erik DeBattista - Member and Head of Payments and Card Operations Management Credit Committee Johannes Bruinzeel - Chairman and Chief Credit Risk Officer Michael Hutko - Member and Chief Executive Officer