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<?xml-stylesheet type="text/xsl" href="../part2stratml.xsl"?><PerformancePlanOrReport><Name>About CBA</Name><Description/><OtherInformation/><StrategicPlanCore><Organization><Name>Consumer Bankers Association</Name><Acronym>CBA</Acronym><Identifier>_14aa5206-15a0-11eb-bf0e-ce6c0983ea00</Identifier><Description>The Consumer Bankers Association (CBA) is the only member-driven trade association focused exclusively on retail banking. Whether buying a home, financing an education or launching a small business, since 1919, our members have partnered with consumers to help them achieve the American dream...Member loyalty is reflected in our membership renewal rate, which consistently remains above 90 percent. Our 14 standing committees, subcommittees and working groups include top executives from our member banks with expertise in each segment of retail banking.  </Description><Stakeholder StakeholderTypeType="Generic_Group"><Name>Retail Banks</Name><Description>Our Corporate Members include the nation's largest retail banks, with 85% holding over $10 billion in assets.</Description></Stakeholder><Stakeholder StakeholderTypeType="Generic_Group"><Name>Bank Service Providers</Name><Description>Our Associate Members represent the premier providers of goods and services to banks.</Description></Stakeholder><Stakeholder StakeholderTypeType="Generic_Group"><Name>Premier CBA Sponsors</Name><Description/></Stakeholder><Stakeholder StakeholderTypeType="Organization"><Name>Equifax</Name><Description/></Stakeholder><Stakeholder StakeholderTypeType="Organization"><Name>Experian</Name><Description/></Stakeholder><Stakeholder StakeholderTypeType="Organization"><Name>Fiserv</Name><Description/></Stakeholder><Stakeholder StakeholderTypeType="Organization"><Name>Harland Clarke</Name><Description/></Stakeholder><Stakeholder StakeholderTypeType="Organization"><Name>Novantas</Name><Description/></Stakeholder><Stakeholder StakeholderTypeType="Organization"><Name>VISA</Name><Description/></Stakeholder><Stakeholder StakeholderTypeType="Generic_Group"><Name>CBA Board of Directors</Name><Description/></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Christine Channels</Name><Description>ADMINISTRATIVE COMMITTEE  (Chair) -- HEAD OF COMMUNITY BANKING &amp; CLIENT PROTECTION - BANK OF AMERICA</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Nitin Mhatre</Name><Description>(Immediate Past Chair)EXECUTIVE VICE PRESIDENT, HEAD OF COMMUNITY BANKING AND MARKETING - WEBSTER BANK, N.A.</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Michelle Lee</Name><Description>(Chair Elect)REGIONAL BANK EXECUTIVE, CONSUMER BANKING - WELLS FARGO BANK, N.A.</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Victor Alexander</Name><Description>EXECUTIVE VICE PRESIDENT, HEAD OF CONSUMER BANKING - KEYCORP</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Ryan Bailey</Name><Description>EXECUTIVE VICE PRESIDENT, HEAD OF RETAIL BANKING GROUP - BANK OF THE WEST</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Todd Barnhart</Name><Description>EXECUTIVE VICE PRESIDENT AND RETAIL DISTRIBUTION EXECUTIVE - PNC FINANCIAL SERVICES GROUP, INC.</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Chad Borton</Name><Description>PRESIDENT - USAA FEDERAL SAVINGS BANK</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Ross Carey</Name><Description>EXECUTIVE VICE PRESIDENT, NEW &amp; NATIONAL MARKETS, CONSUMER &amp; BUSINESS BANKING - U.S. BANK</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Reggie Chambers</Name><Description>MANAGING DIRECTOR - CHIEF ADMINISTRATIVE OFFICER, CONSUMER BANK - JPMORGAN CHASE</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>David Chubak</Name><Description>HEAD OF U.S. RETAIL BANKING - CITI</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Brendan Coughlin</Name><Description>HEAD OF CONSUMER BANKING - CITIZENS FINANCIAL GROUP, INC.</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Ernie Diaz</Name><Description>EXECUTIVE VICE PRESIDENT, HEAD OF CONSUMER DISTRIBUTION - TD BANK</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>John Durrant</Name><Description>EXECUTIVE VICE PRESIDENT, PRODUCT &amp; OPERATIONS RETAIL &amp; DIRECT BANK - CAPITAL ONE FINANCIAL CORPORATION</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Larry Franco</Name><Description>HEAD OF RETAIL BANKING - BBVA USA</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Richard Gold</Name><Description>PRESIDENT &amp; CHIEF OPERATING OFFICER - M&amp;T BANK CORPORATION</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Pierre Habis</Name><Description>MANAGING DIRECTOR, HEAD OF CONSUMER &amp; BUSINESS BANKING - SANTANDER</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Andy Harmening</Name><Description>SENIOR EXECUTIVE VICE PRESIDENT, CONSUMER &amp; BUSINESS BANKING DIRECTOR, HUNTINGTON</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Ernie Johannson</Name><Description>GROUP HEAD, NORTH AMERICAN PERSONAL BANKING &amp; U.S. BUSINESS BANKING - BMO HARRIS BANK</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Cassandra McKinney</Name><Description>EXECUTIVE VICE PRESIDENT, RETAIL BANK - COMERICA</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Samantha Melting</Name><Description>SENIOR VICE PRESIDENT, HEAD OF CONSUMER BANK - SYNCHRONY</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Quincy Miller</Name><Description>PRESIDENT &amp; VICE CHAIRMAN - EASTERN BANK</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Scott Peters</Name><Description>SENIOR EXECUTIVE VICE PRESIDENT, HEAD OF CONSUMER BANKING - REGIONS FINANCIAL CORP.</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Greg Seibly</Name><Description>PRESIDENT, HEAD OF REGIONAL BANKING - UNION BANK</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Tim Spence</Name><Description>EXECUTIVE VICE PRESIDENT, HEAD OF CONSUMER BANKING, PAYMENTS &amp; STRATEGY - FIFTH THIRD BANK</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Brant Standridge</Name><Description>HEAD OF RETAIL COMMUNITY BANKING - TRUIST FINANCIAL</Description></Stakeholder><Stakeholder StakeholderTypeType="Generic_Group"><Name>CBA Team</Name><Description/></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Richard Hunt</Name><Description>PRESIDENT, CHIEF EXECUTIVE OFFICER</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Jean Marie Bunton</Name><Description>EXECUTIVE VICE PRESIDENT, CHIEF OF STAFF</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Melanie Duffy</Name><Description>EXECUTIVE ADMINISTRATOR TO THE PRESIDENT &amp; CEO, LIAISON TO BOARD OF DIRECTORS</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Dan Smith</Name><Description>EXECUTIVE VICE PRESIDENT, HEAD OF REGULATORY AFFAIRS</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Sam Whitfield</Name><Description>SENIOR VICE PRESIDENT, CONGRESSIONAL AFFAIRS</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>David Pommerehn</Name><Description>SENIOR VICE PRESIDENT, GENERAL COUNSEL</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Tim Carey</Name><Description>VICE PRESIDENT, CONGRESSIONAL AFFAIRS</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Chip Bartlett</Name><Description>VICE PRESIDENT, CONGRESSIONAL AFFAIRS</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Jenna Burke</Name><Description>VICE PRESIDENT &amp; ASSOCIATE GENERAL COUNSEL</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Stephen Congdon</Name><Description>ASSISTANT VICE PRESIDENT, REGULATORY COUNSEL</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Andre Cotten</Name><Description>ASSISTANT VICE PRESIDENT, REGULATORY COUNSEL</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Ryan Blake</Name><Description>LEGISLATIVE DIRECTOR</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Karen Neeley</Name><Description>REGULATORY MANAGER</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Kevin OConnor</Name><Description>VICE PRESIDENT, CORPORATE MEMBERSHIP</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Maren Colon</Name><Description>VICE PRESIDENT, SPONSORSHIP &amp; CORPORATE PHILANTHROPY</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Jake Fowler</Name><Description>DIRECTOR, ASSOCIATE MEMBERSHIP &amp; EXHIBITS</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Jenny DeBerry</Name><Description>MEMBERSHIP COORDINATOR</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Joanna Beaver, CMP</Name><Description>SENIOR VICE PRESIDENT, COMMITTEES &amp; EVENTS</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Tammy Morgan</Name><Description>DIRECTOR, DATABASE &amp; EVENT LOGISTICS</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Viktorija Stich</Name><Description>EVENT COORDINATOR</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Brenda Mechling</Name><Description>SENIOR VICE PRESIDENT, EDUCATION RELATIONS &amp; DIRECTOR, EXECUTIVE EDUCATION</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Tom Dent, CFA</Name><Description>VICE PRESIDENT, ONSITE EDUCATION</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Jae Schroeder</Name><Description>VICE PRESIDENT, DIRECTOR, EXECUTIVE BANKING SCHOOL</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Jordan Selmer</Name><Description>DIRECTOR OF EDUCATION OPERATIONS</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Nick Simpson</Name><Description>SENIOR VICE PRESIDENT, PUBLIC AFFAIRS</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Angie Berkey</Name><Description>DIRECTOR, MARKETING &amp; COMMUNICATIONS</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Allison Heimberg</Name><Description>MANAGER, MEDIA RELATIONS &amp; COMMUNICATIONS</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Michelle Aughinbaugh</Name><Description>EXECUTIVE VICE PRESIDENT, CHIEF ADMINISTRATIVE OFFICER</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Danni Lu</Name><Description>SENIOR VICE PRESIDENT, FINANCE</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Mitslal Girmay</Name><Description>ACCOUNTING DIRECTOR</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Jake Suh</Name><Description>ACCOUNTING ASSISTANT</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Joe Belew</Name><Description>IN MEMORIAM -- PRESIDENT | DECEMBER 1984 - JANUARY 2009</Description></Stakeholder><Stakeholder StakeholderTypeType="Person"><Name>Steven I. Zeisel</Name><Description>IN MEMORIAM -- EXECUTIVE VICE PRESIDENT &amp; GENERAL COUNSEL | SEPTEMBER 1991 - SEPTEMBER 2019</Description></Stakeholder></Organization><Vision><Description>Consumers achieve the American dream</Description><Identifier>_14aa53d2-15a0-11eb-bf0e-ce6c0983ea00</Identifier></Vision><Mission><Description>To partner with the nation's leading retail banks to promote sound policy, prepare the next generation of bankers, and finance the dreams of consumers and small businesses.</Description><Identifier>_14aa54fe-15a0-11eb-bf0e-ce6c0983ea00</Identifier></Mission><Value><Name/><Description/></Value><Goal><Name>Participation</Name><Description>Participate with our members via our committees, the backbone of our organization</Description><Identifier>_14aa5698-15a0-11eb-bf0e-ce6c0983ea00</Identifier><SequenceIndicator>1</SequenceIndicator><Stakeholder><Name/><Description/></Stakeholder><OtherInformation/><Objective><Name/><Description/><Identifier>_14aa579c-15a0-11eb-bf0e-ce6c0983ea00</Identifier><SequenceIndicator/><Stakeholder><Name/><Description/></Stakeholder><OtherInformation/></Objective></Goal><Goal><Name>Advocacy</Name><Description>Advocate on behalf of our members and their customers with regulatory agencies and federal legislators</Description><Identifier>_14aa588c-15a0-11eb-bf0e-ce6c0983ea00</Identifier><SequenceIndicator>2</SequenceIndicator><Stakeholder StakeholderTypeType="Generic_Group"><Name>Regulatory Agencies</Name><Description/></Stakeholder><Stakeholder StakeholderTypeType="Generic_Group"><Name>Federal Legislators</Name><Description/></Stakeholder><OtherInformation/><Objective><Name>Engagement, Analysis &amp; Insight</Name><Description>Serve as the industry’s definitive resource for CFPB engagement, analysis and insight</Description><Identifier>_14aa599a-15a0-11eb-bf0e-ce6c0983ea00</Identifier><SequenceIndicator>2.1</SequenceIndicator><Stakeholder><Name/><Description/></Stakeholder><OtherInformation/></Objective></Goal><Goal><Name>Communication</Name><Description>Communicate broadly the vital services banks provide American consumers</Description><Identifier>_14aa5a9e-15a0-11eb-bf0e-ce6c0983ea00</Identifier><SequenceIndicator>3</SequenceIndicator><Stakeholder StakeholderTypeType="Generic_Group"><Name>American Consumers</Name><Description/></Stakeholder><OtherInformation/><Objective><Name/><Description/><Identifier>_14aa5b66-15a0-11eb-bf0e-ce6c0983ea00</Identifier><SequenceIndicator/><Stakeholder><Name/><Description/></Stakeholder><OtherInformation/></Objective></Goal><Goal><Name>Education</Name><Description>Educate the next generation of retail banking leaders</Description><Identifier>_14aa5c24-15a0-11eb-bf0e-ce6c0983ea00</Identifier><SequenceIndicator>4</SequenceIndicator><Stakeholder StakeholderTypeType="Generic_Group"><Name>Retail Banking Leaders</Name><Description/></Stakeholder><OtherInformation/><Objective><Name/><Description/><Identifier>_14aa5ce2-15a0-11eb-bf0e-ce6c0983ea00</Identifier><SequenceIndicator/><Stakeholder><Name/><Description/></Stakeholder><OtherInformation/></Objective></Goal></StrategicPlanCore><AdministrativeInformation><StartDate/><EndDate/><PublicationDate>2020-10-23</PublicationDate><Source>https://www.consumerbankers.com/about-cba</Source><Submitter><GivenName>Owen</GivenName><Surname>Ambur</Surname><PhoneNumber/><EmailAddress>Owen.Ambur@verizon.net</EmailAddress></Submitter></AdministrativeInformation></PerformancePlanOrReport>
