Andrea B. Smith retired from Bank of America in December 2021 after nearly 34 years with the company. Most recently, she served as chief administrative officer from August 2015 through December 2021. Previously, she led Global Human Resources from January 2010 to August 2015. She has served as interim President and Chief Executive Officer of the Charlotte Regional Business Alliance from May 2024 until April 2025. She chairs the Bank of America Alumni Network and serves on the boards of several nonprofit organizations, including Every Mother Counts and the Charlotte Sports Foundation. Ms. Smith has also served as a director of World Kinect Corporation, a global energy management company, since October 2025. Among other qualifications, Ms. Smith was selected as a director in light of her extensive experience as an executive officer of a large public company and her financial, operational and human capital management experience and expertise. We believe this experience will continue to be beneficial in providing financial, management and general business expertise to the Board.