Cecelia D. Stewart retired as the President of U.S. Consumer and Commercial Banking of Citigroup, Inc., a global diversified financial services holding company, in 2014. She had held that position since 2011. From 2009 to 2011, she was President of the retail banking group and CEO of Morgan Stanley Private Bank N.A. Ms. Stewart s career in banking began at Wachovia Bank N.A. in 1978, where she held a variety of regional banking positions, culminating in her service as Executive Vice President and Head of Retail and Small Business Banking from 2003 to 2008. Skills and Expertise: Extensive experience in banking and financial services Senior-level policy-making experience at a public company Experience in human capital management, finance and accounting, risk management and compliance, and similar matters associated with running a large division of a public company Knowledge of public company audit, executive compensation, human capital management, information technology/cybersecurity, digital innovation/fintech and other matters due to public company board service Prior Public Company Board Service: United States Cellular Corporation (2013-2025) Retired President of U.S. Consumer and Commercial Banking of Citigroup, Inc. Independent director since 2014 Age 67 Committees: Executive Information Technology (chair) Risk