Ms. Arvia has served as Senior Vice President, Managing Director, USAA Bank since August 31, 2015. Previously, Ms. Arvia served as President, Nationwide Direct Distribution from August 2012 to July 2015; President of Nationwide Retirement Plans from November 2009 to August 2012 and Chief Executive Officer of Nationwide Bank, a unit of Nationwide Mutual Insurance Company, from 2006 to November 2009. Prior to joining Nationwide, Ms. Arvia served as President and Chief Executive Officer of ShoreBank, a community development and environmental bank, from 2001 to August 2006. She joined ShoreBank in 1991 as Assistant Controller and was named Chief Financial Officer in 1998. The Board of Directors has determined that Ms. Arvia qualifies as an Audit Committee Financial Expert.