From 2002 through 2004, he led Bank One’s consumer banking business, helping to rebuild the brand, expand the branch and ATM network, and develop senior talent. He was appointed Chief Financial Officer of Bank One in 2000, leading the company’s effort to fortify its balance sheet, improve financial discipline, and strengthen management reporting. Mr. Scharf spent 13 years at Citigroup and its predecessor companies, serving as Chief Financial Officer for Citigroup’s Global Corporate and Investment Bank prior to joining Bank One. He was Chief Financial Officer of Salomon Smith Barney when its parent company – Travelers Group – merged with Citicorp in 1998 to create the nation’s largest financial institution. Mr. Scharf became CFO of Smith Barney in 1995, after serving in a number of senior finance roles at Travelers companies, including Smith Barney, Primerica and Commercial Credit Corporation. He previously served on the Board of Visa U.S.A. from 2003 to 2007 and the Visa Inc. Board from 2007 to January 2011. He was also previously Director of Travelers Insurance.He holds a Bachelor of Arts degree from Johns Hopkins University and an MBA degree from New York University. He is currently on the Board of Trustees for Johns Hopkins University. Forward Looking Statements This release contains forward−looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. By their nature, forward-looking statements: (i) speak only as of the date they are made, (ii) are neither statements of historical fact nor guarantees of future performance and (iii) are subject to risks, uncertainties, assumptions and changes in circumstances that are difficult to predict or quantify. Therefore, actual results could differ materially and adversely from those forward-looking statements because of a variety of factors including the factors discussed in our most recent Annual Report on Form 10−K on file with the U.S. Securities and Exchange Commission. You should not place undue reliance on such statements. Unless required to do so by law, we do not intend to update or revise any forward−looking statement, because of new information or future developments or otherwise.