John Garabedian has served as a member of our board of directors since May 2018. Mr. Garabedian joined The Boston Consulting Group (“BCG”), a management consulting firm, in September 1997 and has served as a Senior Partner since 2006. He is a member of BCG’s Financial Institutions practice and previously led the practice in the Americas from 2007 to 2012. Prior to joining BCG, Mr. Garabedian was a vice president for Gemini Consulting, where he was the North American Financial Services practice leader. He also worked in strategic planning at Continental Bank. Mr. Garabedian received a Master of Management degree from the Kellogg School of Management and a Bachelor of Science degree in Accounting from Frostburg State University. Mr. Garabedian was elected to our board of directors in connection with this offering because of his experience working with banking, insurance and asset management firms on strategy and operational issues.