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Executive Officers of the Registrant
Set forth below is information concerning our executive officers, each of whom is a member of our Executive
Committee.
Name Age Position
David W. Nelms......................... 54 Chairman and Chief Executive Officer
Roger C. Hochschild.................... 50 President and Chief Operating Officer
R. Mark Graf.............................. 50 Executive Vice President and Chief Financial Officer
Kathryn McNamara Corley.......... 55 Executive Vice President, General Counsel and Secretary
Steven E. Cunningham ................ 45 Senior Vice President and Chief Risk Officer
Carlos M. Minetti ........................ 52 Executive Vice President and President - Consumer Banking
Diane E. Offereins ...................... 57 Executive Vice President and President - Payment Services
James V. Panzarino .................... 62 Executive Vice President and President - Credit and Card Operations
R. Douglas Rose ......................... 46 Senior Vice President and Chief Human Resources Officer
Glenn P. Schneider ..................... 53 Executive Vice President and Chief Information Officer
Harit Talwar ............................... 54 Executive Vice President and President - U.S. Cards
David W. Nelms is our Chairman and Chief Executive Officer. He has held the role of Chief Executive Officer
since February 2004 and assumed the role of Chairman in January 2009. Mr. Nelms served as President and Chief
Operating Officer from 1998 to 2004. Prior to joining us, Mr. Nelms worked at MBNA America Bank from 1990 to
1998, most recently as Vice Chairman. Mr. Nelms holds a Bachelor's degree in Mechanical Engineering from the
University of Florida and an M.B.A. from Harvard Business School.
Roger C. Hochschild is our President and Chief Operating Officer. He has held this role since March 2004.
Mr. Hochschild was Executive Vice President, Chief Administrative Officer and Chief Strategic Officer (2001 to 2004)
and Executive Vice President, Chief Marketing Officer (1998 to 2001) of our former parent company Morgan Stanley.
Mr. Hochschild holds a Bachelor's degree in Economics from Georgetown University and an M.B.A. from the Amos
Tuck School at Dartmouth College.
R. Mark Graf is our Executive Vice President and Chief Financial Officer. He has held this role since April 2011.
He was also Chief Accounting Officer until December 2012. Prior to joining us, Mr. Graf was an investment advisor
with Aquiline Capital Partners, a private equity firm specializing in investments in the financial services industry. From
2006 to 2008, Mr. Graf was a partner at Barrett Ellman Stoddard Capital. Mr. Graf was Executive Vice President and
Chief Financial Officer for Fifth Third Bank from 2004 to 2006, after having served as its Treasurer from 2001 to 2004.
He holds a Bachelor's degree in Economics from the Wharton School of the University of Pennsylvania.
Kathryn McNamara Corley is our Executive Vice President, General Counsel and Secretary. She has held this
role since February 2008. Previously, she served as Senior Vice President, General Counsel and Secretary (1999 to
2008). Prior to becoming General Counsel, Ms. Corley was Managing Director for our former parent company
Morgan Stanley's global government and regulatory relations. Ms. Corley holds a Bachelor's degree in Political Science
from the University of Southern California and a J.D. from George Mason University School of Law.
Steven E. Cunningham is our Senior Vice President and Chief Risk Officer. He has held this role since May 2013.
In his role, he is also responsible for the Comprehensive Capital Analysis and Review and Resolution Planning program
offices. Previously, he served as Senior Vice President and Treasurer (2010 to 2013). Prior to joining us, Mr.
Cunningham was the Chief Financial Officer for Harley Davidson Financial Services from 2009 to 2010. From 2000 to
2009, he served in several financial and treasury roles with Capital One Financial, including Chief Financial Officer of
our banking and auto finance segments. From 1991 to 2000, Mr. Cunningham held numerous roles with the FDIC in
the Atlanta and Washington, D.C. offices. He holds a Bachelor's degree in Finance from the University of Alabama and
a M.B.A. from The George Washington University.
Carlos Minetti is our Executive Vice President and President - Consumer Banking. He has held this role since
February 2014. Previously, he served as Executive Vice President, President - Consumer Banking and Operations (2010