Frank P. Bramble

Mr. Bramble is a veteran financial services executive with broad-ranging financial services experience, and international perspective. He also brings institutional insights to our Board, having held leadership positions at two financial services companies acquired by our company (MBNA, acquired in 2006, and MNC Financial Inc., acquired in 1993). As a former executive officer of one of the largest credit card issuers in the U.S. and a major regional bank, Mr. Bramble has dealt with a wide range of issues important to our company, including risk management, credit cycles, sales and marketing to consumers, corporate governance, and audit and financial reporting.