ernational Association of Credit Portfolio Managers. Mr. Norman has a wide variety of business and investment experience, having begun his career at Arthur Andersen & Co. in 1981. He joined ING's predecessor in 1992. Mr. Norman received his B.A. degree in 1980 from the University of Nebraska and completed the Univers

Mr. Neborak served in roles of increasing responsibility within business units of Citigroup and its predecessor companies. Ile began his career with Arthur Andersen & Co. Himanshu A. Patel has been our Executive Vice President. Chief Financial Officer since September 2015. Mr. Patel previously was our Executive Vice