STEVE GILLIN

President

Steve is President of Relay, where he oversees business development, product development, legal and compliance. Prior to joining Relay, Steve was a Senior Vice President at Bank of America where he held a number of management positions within both U.S. Card Services and Europe Card Services. Most recently, he managed BAC's Financial Institution and Brokerage business, a $10 Billion white label credit card portfolio for 250 financial institutions, credit unions, and brokerage partners including Charles Schwab Bank, Fidelity Investments, Regions Bank, M&T Bank, and Edward Jones. Prior to managing the Financial Institution and Brokerage business, Steve was responsible for taking MBNA's Affinity Marketing model to other products and services within Bank of America. Under Steve's leadership, the Affinity Banking business grew into an $18 Billion deposits portfolio generating 40% of all new DDA acquisition for the bank and secured endorsements from the NFL, MLB, NASCAR, Susan G. Komen for the Cure®, among 200 other organizations.

Steve joined legacy MBNA in 2004 as Director of Product Development for MBNA Europe Bank. While in Europe, Steve was appointed to the bank's Executive Committee as Director of Business Development with management responsibilities for all business development, product development, portfolio acquisitions and conversions, as well as the American Express relationship. Prior to joining MBNA, Steve was Senior Vice President of Business Development at Ecount. As a founding member of the executive team, Steve had responsibility for business development, product management, and all legal and regulatory affairs.

Steve began his career in Affinity Marketing as a principal at C/Base, Inc. He is a licensed attorney admitted to the Pennsylvania Bar and spent six years practicing general corporate law and litigation. Steve graduated from Georgetown University in 1991 with a degree in history and received his J.D. from The Catholic University of America's Columbus School of Law in 1994. Steve has served as a board member of AIDS Alive, Speakup.org, Best Nest, and Siloam.