Ms. Arvia joined Cornerstone Advisors, a leading management and technology consultancy firm for banks, credit unions and fintech firms, as Principal, Strategic Transformation and Program Management in April 2023. Ms. Arvia formerly served as Executive Vice President, Banking and Financial Services, The Auto Club Group and President, CEO, The Auto Club Trust from August 2018 to April 2022. Previously, Ms. Arvia served as Acting President, USAA Bank, and promoted from USAA Bank’s Senior Vice President and Managing Director, from August 2015 to December 2017. Before joining USAA, Ms. Arvia was 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, she 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 has determined that Ms. Arvia qualifies as an Audit Committee Financial Expert.