Alex W. Hart

Who is Alex W. Hart?

Mr. Hart has been an independent consultant to

the financial services industry since November 1997. From August 1995

to November 1997, he served as Chief Executive Officer and from March

1994 to August 1995, as Executive Vice Chairman, of Advanta

Corporation, a diversified financial services company. From 1988 to

1994, he was President and Chief Executive Officer of MasterCard

International, the worldwide payment service provider. He is currently

Chairman of the Board of Directors of SVB Financial Group. He is also a

member of the Boards of Directors of Fair Isaac Corporation, a

predictive software company (since 2002), Global Payments, Inc., a

payment services company (since 2001), USEncode, an online

authentication service (since 2002) and eharmony.com, an online

compatibility service (since 2004). He was formerly a member of the

Board of Directors of Shopping.com, Actrade Financial Technologies and

Sanchez Computer Associates. Mr. Hart holds a bachelor’s degree in

Social Relations from Harvard University