Audit Committee

Benjamin Muscat — Chairman

Godfrey Huber — Member

Michael Warrington — Member

Risk and Compliance Committee

Michael Warrington — Chairman

Benjamin Muscat — Member

Godfrey Huber — Member

Executive Committee

Michael Hutko — Chairman and Chief Executive Officer

Johannes Bruinzeel — Member and Chief Technology Officer

Thomas Owens — Member and Chief Financial Officer

Vincent Valletta — Member and Chief Officer - Risk and Compliance

Brian Loehr — Member and Chief Commercial Officer - Credit Cards

Asset - Liability Committee

Thomas Owens — Chairman and Chief Financial Officer

Michael Hutko — Member and Chief Executive Officer

Erik DeBattista — Member and and Chief Officer - Centralised Operations

Vincent Valletta — Member and Chief Officer- Risk and Compliance

Management Credit Committee

Johannes Bruinzeel — Chairman and Chief Credit Officer

Michael Hutko — Member and Chief Executive Officer

Thomas Owens — Member and Chief Financial Officer

Brian Loehr — Member and Chief Commercial Officer - Credit Cards