Brad Conner — Vice Chairman of Consumer Banking at Citizens Financial Group

Mr. Brad L. Conner serves as Vice Chairman and Head of Consumer Banking at Citizens Bank, National Association. Mr. Conner serves as Vice Chairman of Consumer Banking at Citizens Financial Group, Inc. Before joining CFG in 2008, he served as the President of JP Morgan Chase & Co.'s Home Equity and Mortgage Home Loan Direct Business. He served as the President and Chief Operating Officer for Bank One Mortgage Corp. He joined Bank One Corp. in 1996 from Prudential Home Mortgage. He served as the Chief Operating Officer of Retail Lending at Bank One Corporation since May 2003. He joined Citizens Financial Group, Inc. in June 2008. Mr. Conner served as Vice Chairman of Consumer Finance & Consumer Banking and Vice Chairman of Consumer Lending Services at Citizens Financial Group, Inc. (formerly, RBS Citizens Financial Group, Inc.). He serves as Treasurer of the Board of Trustees for DTFA (Dave Thomas Foundation for Adoption) and has been its Member since 2009. He has 25 years of management experience in financial services. He has an impressive track record of success in leading consumer finance businesses, including mortgage, home equity and student finance. He has been a Director of Consumer Bankers Association since 2011. He served as a Director for RIPEC (Rhode Island Public Expenditure Council) from 2010 to 2012. He served as a Director of First USA Credit Card Master Trust for Chase Bank USA, National Association. Mr. Conner has a B.A. and M.B.A. from the University of Arkansas.