1. JEFFREY M. FINCHER
1046 Bucktail Way ▪ West Chester, PA 19382 ▪
fincher920@aol.com ▪ (610) 505-8415
SENIOR EXECUTIVE LEADER - FORTUNE 100 FINANCIAL SERVICES
SVP PAYMENT NETWORKS
SVP BUSINESS DEVELOPMENT
SEVP CORPORATE DEVELOPMENT & ACQUISITIONS

2. Executive Bio & Areas of Expertise
Jeff Fincher is an accomplished executive with deep Fortune 100 financial services industry
experience across business development, domestic & international acquisitions, payment networks,
team leadership and change management. He is a decisive, influential negotiator who is known
for the completion of key agreements and business acquisitions for premier financial institutions
MBNA America and Bank of America. Jeff is a natural director of people, projects and cross-
functional resources who drives bottom-line performance in the face of complex regulatory and
economic environments. He is an enthusiastic, creative communicator with polished verbal and
interpersonal engagement skills. Jeff is a relationship and partnership strategist with history of
launching innovative, profitable internal and external joint marketing programs across multiple
lines of business. Jeff holds a Bachelor of Arts degree in Marketing/Management from the
University of St, Thomas in St. Paul, Minnesota and attended the ABA School of Bankcard
Management. He resides in West Chester, Pennsylvania with his wife Staci and their children
Morgan and Ryan. He is a past United Way volunteer and is active in coaching youth sports.
 Business Development  Team Leadership/Coaching  Change Management
 Credit Risk Strategy  P&L Management/Owner  Contract Negotiations
 Payment Networks  Leadership Development  Compliance/Regulatory
 Relationship Management  Strategic Partnerships  Mergers & Acquisitions

3. BANK OF AMERICA (NYSE: BAC), Wilmington, DE
One of the world's largest most diversified financial institutions. Acquired MBNA
America in 2006.
Responsible for Senior Vice President- Network Relationship Executive (2010-2011)
management of  Led negotiations and completed renewal of corporate agreements with Visa Inc. in
enterprise wide
relationships with Visa North America and MasterCard Worldwide. The terms of agreements projected to
Inc., MasterCard
Worldwide, American deliver an incremental $1B in revenue and protecting approximately $250MM in
Express and National and interchange income to Bank of America through 2014. Increased operational
Regional EFT networks
with objective of flexibility, protected revenue and complying with all aspects of Durbin
maximizing strategic and
financial value. Partner Amendment.
with C-suite leaders of
network partners on all  Developed and implemented strategy to optimize value and comply with PIN
aspects of relationship. (debit) transaction routing requirements imposed by Durbin regulations resulting in
Oversee payment
network initiatives across additional revenue of $30MM.
consumer, commercial,
small business credit and
debit card businesses
including all activity within
the European, Canadian,
and U.S. merchant
processing subsidiaries.
Selected to head
negotiations to ensure
compliance of network
contracts with regulatory
requirements and
complete supplemental
agreements required to
implement line of business
strategies.

4. BANK OF AMERICA (NYSE: BAC), Wilmington, DE
One of the world's largest most diversified financial institutions. Acquired MBNA
America in 2006.
Senior Vice President- Business Development Executive (2005-2010)
Responsible for New
Partner Sales, Renewals  Signed 125+ new co-brand partners, affinity groups, associations, financial
and Restructures, institutions and product distribution arrangements including University of Notre
Acquisitions/Divestitures
and Secondary Lending; Dame, Upromise, Susan G. Komen and American Bar Association.
manage staff of 40  Designed strategy for over 2K affinity relationships making recommendations and
professionals and executing program modifications which resulted in over $100MM in savings.
operating budget of
$28MM. Oversee Leveraged buy outs, contract discontinuations and changes to marketing guarantees
National Sales team to enhance competitive position. On one such agreement recouped one-time direct
responsible for targeting
prospective partners in $30MM payment.
five distinct market  Completed the acquisition of 42 credit card portfolios representing $3.7B in
segments. Oversee outstanding loans and over 1.7MM accounts. Directed over 65 platform conversions
approval of deal terms,
negotiate agreements and generated over 7MM direct mail packages.
and implement on
boarding processes.

5. MBNA AMERICA (NYSE: KRB), Wilmington, DE
Acquired by Bank of America in 2006, MBNA stood as the largest independent
credit card issuer in the world.
Sr. Executive Vice President- Corporate Development & Acquisitions (2000-2005)
Managed the company
mergers and acquisition  Directed company mergers and acquisition process for both Domestic and
process for both Domestic International markets. Completed over 180 unique transactions in multiple
and International markets.
Developed annual plan geographic markets. Transaction volume drove $15B in loan growth and over 9MM
for each market including accounts.
potential targets and  Established over 250 new financial institutions, affinity and co-brand relationships.
initial valuations based on
historical data or public Completed acquisition of Canadian based CUETS which resulted in $400MM
information. Work with portfolio acquisition and relationships with 450 credit unions with over 1.5K
cross functional teams on
all aspects of process. branches.
Managed staff of 25  Developed and implemented geographic alliance strategy Hawaii and Puerto Rico.
professionals and annual Gained largest issuer status on in Puerto Rico. Completed negotiations for
operating budget of
$120 million $150MM joint venture in Mexico.

6. MBNA AMERICA (NYSE: KRB), Wilmington, DE
Acquired by Bank of America in 2006, MBNA stood as the largest independent
credit card issuer in the world.
Executive Vice President- Director of Sales (1998-2000)
Director of Sales-
Responsible for all  Completed signing of 59 groups and financial institutions. Sales produced over
corporate sales initiatives 6MM marketable names; a 220% increase over established goals. Key
within three key market
segments; relationships signed include AAA, Auburn University, Northwestern University,
Colleges/Universities, SunTrust Corporation and First Virginia Bancorp.
Financial Institutions and
Professional occupations.
Worked in partnership Executive Vice President- Marketing/Program Management Executive (1993-1998)
with third party marketing  Led regional expansion efforts in the Central US and Mid-West headquarters.
and sales firm to sign key
partnerships. Led teams up to 35 professional business development leaders with account base
exceeding 500 affinity partners and 1.2MM card accounts.
Marketing & Program
Management Executive-
Held key functional roles
for sales, account
management, marketing
and event programs for
numerous bank
geographic regions and
client marketing sectors
including the National
Football League (NFL).

7. Areas of Expertise
Payment Networks- Led negotiations and completed renewal of corporate agreements with Visa Inc. in
North America and MasterCard Worldwide. The terms of agreements projected to deliver an incremental
$1B in revenue and protecting approximately $250MM in interchange income to Bank of America through
2014. Increased operational flexibility, protected revenue and complying with all aspects of Durbin
Amendment.
Business Development & Sales- Led national sales team that completed agreements with over 200 co-
brand and affinity partners in five distinct markets. Notable partnerships include University of Notre Dame,
Susan G. Komen for the Cure, American Bar Association, Spirit Airlines & Upromise.
Domestic & International Corporate Acquisitions- Directed company mergers and acquisition process
for both Domestic and International markets. Completed over 180 unique transactions with transaction
volume contributing over $15B in loan growth and over 9MM accounts. Completed acquisition of Canadian
based CUETS which resulted in $400MM portfolio acquisition and relationships with 450 credit unions with
over 1.5K branches.
Change Management & Team Leadership- Selected as one of top 45 executives chosen to lead BAC
Card Services post acquisition in 2006. Assembled 40 person team comprised of members from mergers
& acquisitions, new sales, renewals/restructure and secondary lending. Amidst significant economic churn
and regulatory pressure oversaw strategy for 2K affinity relationships making recommendations and
executing program modifications which resulted in over $100MM in savings. Appointed to MBNA Senior
Operating Committee in 2000.

8. Areas of Expertise
Payment Networks- Led negotiations and completed renewal of corporate agreements with Visa Inc. in
North America and MasterCard Worldwide. The terms of agreements projected to deliver an incremental
$1B in revenue and protecting approximately $250MM in interchange income to Bank of America through
2014. Increased operational flexibility, protected revenue and complying with all aspects of Durbin
Amendment.
Business Development & Sales- Led national sales team that completed agreements with over 200 co-
brand and affinity partners in five distinct markets. Notable partnerships include University of Notre Dame,
Susan G. Komen for the Cure, American Bar Association, Spirit Airlines & Upromise.
Domestic & International Corporate Acquisitions- Directed company mergers and acquisition process
for both Domestic and International markets. Completed over 180 unique transactions with transaction
volume contributing over $15B in loan growth and over 9MM accounts. Completed acquisition of Canadian
based CUETS which resulted in $400MM portfolio acquisition and relationships with 450 credit unions with
over 1.5K branches.
Change Management & Team Leadership- Selected as one of top 45 executives chosen to lead BAC
Card Services post acquisition in 2006. Assembled 40 person team comprised of members from mergers
& acquisitions, new sales, renewals/restructure and secondary lending. Amidst significant economic churn
and regulatory pressure oversaw strategy for 2K affinity relationships making recommendations and
executing program modifications which resulted in over $100MM in savings. Appointed to MBNA Senior
Operating Committee in 2000.