Nick Carter
Vice President of Credit Risk Management
Travelers Acceptance Corporation

www.travelersacceptance.com

Mr. Carter is Vice President Credit and Risk Management. Mr. Carter is responsible for proactively protecting the interests of Travelers Acceptance Corporation and its stakeholders with the continued development and ongoing review of credit and risk management strategies to support Travelers business processes. Mr. Carter became a Shareholder in Travelers Acceptance Corporation in March of 2008.

Nick Carter joined the company in 2006 as Director of Credit and Risk Management. He has extensive senior management experience, expertise and judgment based on more than two decades in the Canadian chartered bank and commercial lending environments - enhancing credit and risk management systems and streamlining processes with design and implementation of automated adjudication, analytics, credit scoring, risk and payment systems.

Mr. Carter holds a Masters of Business Administration and Bachelor of Commerce from the University of Alberta, a Diploma in Urban Land Economics from the University of British Columbia, and has completed courses for his Master of Economics from the University of Calgary and the Canadian Securities Course. He is a Member of the Retail Risk Council, member and past Board Member of The Credit Scoring and Risk Strategy Association, and a member of the Risk Management Association, and Past Vice Chairman of the North Okanagan Mainline Real Estate Board.

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