Mr. Hart is Chairman of the SVB Financial Group and has worked as an independent consultant to the financial services industry since 1997. He served as Chief Executive Officer of Advanta Corporation, a public diversified financial services company from 1995 to 1997, where he had previously served as Executive Vice Chairman from 1994 to 1995. Prior to joining Advanta, he was President and Chief Executive Officer of MasterCard International, a worldwide payment service provider from 1994 to 1998. In addition to the SVB Financial Group, Mr. Hart is currently a member of the Boards of Directors of the following public companies: Fair Isaac Corporation, a predictive software company, Global Payments, Inc., a payment services company, and VeriFone Holdings, Inc., an electronics company. Mr. Hart has previously served as a member of the Boards of Directors of numerous other companies, including HNC Software, Retek Inc., Shopping.com, Sanchez Computer Associates, US Encode, eHarmony.com and Sequal Technologies, Inc. In addition, he is an advisor to a number of private companies, including Tempo Payments, NoLie MRI, Cimbal Technologies and US Encode. Mr. Hart holds a bachelor's degree in Social Relations from Harvard University.