Board of Directors

Dennis Lynch was appointed as Chairman of the Board on November 10, 2010 and has served as a director since January 24, 2008. Mr. Lynch has more than 30 years of experience in the payments industry and has led the introduction and growth of various card products and payment solutions. Mr. Lynch is currently a director on the board of Fiserv, a leader in financial services technology. Mr. Lynch is also currently a director (and previous chairperson, 2009 through 2011) of Secure Remote Payments Council, a group dedicated to the growth, development and market adoption of more secure consumer payment methods for online and mobile-based commerce. From 2005 to 2008, Mr. Lynch served as Chairman and Chief Executive Officer of RightPath Payments Inc., a company providing business-to-business payments via the internet. From 1994 to 2004, Mr. Lynch served in various positions of NYCE Corporation, an electronic payments network, including serving as President and Chief Executive Officer from 1996 to 2004 and as director from 1992-2004. Prior to joining NYCE, Mr. Lynch served in a variety of information technology and product roles, ultimately managing Fleet's consumer payments portfolio. Mr. Lynch has also served terms on the boards of the following financial services and technology entities: Open Solutions, Inc., YANKEE24 network and the Electronic Funds Transfer Association. Mr. Lynch received his Bachelors and Masters degrees from the University of Rhode Island.

Elected 2010
Steven Rathgaber joined Cardtronics as the Company's Chief Executive Officer on February 1, 2010. From January 1991 to January 2010, Mr. Rathgaber was employed by NYCE Payments Network, LLC, a wholly-owned subsidiary of Fidelity National Information Services, Inc. Immediately prior to joining Cardtronics, Mr. Rathgaber served as the President and Chief Operating Officer of NYCE, a role he assumed in September 2004.

From April 1989 to January 1991, Mr. Rathgaber served as a founding partner of Veritas Venture, a start-up software development company. From May 1981 to March 1989, he served in a number of executive-level roles within Automatic Data Processing, Inc., and from January 1977 to April 1981, he held numerous positions within the Citibank organization. Mr. Rathgaber also served on the board of Everlink Payment Services, a joint venture between the United States-based NYCE Payments Network and Celero, a Canadian credit union processing company, from the company's inception in September 2003 until December 2009, serving as Chairman of the Everlink board from June 2004 until May 2006.

Mr. Rathgaber holds a Bachelor of Science degree in Accounting from St. John's University.

Tim Arnoult was appointed as a director on January 24, 2008. Mr. Arnoult has over 30 years of banking and financial services experience. From 1979 to 2006, Mr. Arnoult served in various positions at Bank of America, including President of Global Treasury Services from 2005-2006, President of Global Technology and Operations from 2000-2005 and President of Central U.S. Consumer and Commercial Banking from 1996-2000. Mr. Arnoult is also experienced in mergers and acquisitions, having been directly involved in significant transactions such as the mergers of NationsBank and Bank America in 1998 and Bank of America and FleetBoston in 2004. Mr. Arnoult has served on a variety of boards throughout his career, including the board of Visa USA and currently on the boards of Stellus Capital Investment Corporation ant AgileCraft LLC. Mr. Arnoult holds a Bachelor of Arts degree in Psychology and a Masters of Business Administration degree from the University of Texas at Austin.

Jorge Diaz has served as a director since December 2004. Mr. Diaz has served as Division President and Chief Executive Officer of Fiserv Output Solutions, a division of Fiserv, Inc., since April 1994. Fiserv Output Solutions provides card production services, statement processing and electronic document distribution services. In January 1985, Mr. Diaz co-founded National Embossing Company, a predecessor company to Fiserv Output Solutions. Mr. Diaz sold National Embossing Company to Fiserv in April 1994.

Julie Gardner was appointed as a director on October 24, 2013. Ms. Gardner has over 25 years of marketing experience in the retail industry, and was cited by Forbes in 2012 as the 11th most influential Chief Marketing Officer (CMO) in the world. Ms. Gardner currently serves as the North American chairwoman of the Bonial International Group's Advisory Board. Ms. Gardner retired from her retail career in 2012, after most recently serving as Executive Vice President, Chief Marketing Officer for Kohl's Department Stores. During her 14-year tenure at Kohl's, 887 new stores were opened and 25 new brands were launched to the portfolio of private, exclusive and national brands. Julie has been credited for the successful launch of numerous exclusive brands, including Simply Vera Vera Wang, Elle, Food Network, Chaps, Dana Buchman, Candies, Lauren Conrad, Jennifer Lopez and Tony Hawk. While at Kohl's, Ms. Gardner created the Kohl's Cares program, the first philanthropic strategy for the company, which raised over $200 million between 2000 and 2012 for children's health and educational programs, and led the funding and development of the TED educational program with the TED organization. Her vast success has led to numerous awards, including 20 Addy Awards, 30 RACie awards and an Emmy Award in 2008 from the Arts and Sciences. From 1985 to 1999, Ms. Gardner served in a number of positions for Eckerd Corporation, a retail drug store company operating over 3,000 stores in the Southeast and Southwest, serving as Chief Marketing Officer from 1994 to 1999. Prior to joining Eckerd Corporation, Ms. Gardner served in Account Management with two advertising firms. Ms. Gardner received her Bachelor of Science in Technical Communication from the University of Minnesota, Twin Cities.
Patrick Phillips is a 35-year veteran of Bank of America, most recently serving as President of Bank of America's Premier Banking and Investments group from August 2005 to March 2008. During his tenure at Bank of America, Mr. Phillips led a variety of consumer, commercial, wealth management and technology businesses. Mr. Phillips currently serves on the board of directors of USAA Federal Savings Bank and is the Chairman of that board's Finance and Audit Committee. Additionally, he previously served as a Director of Visa USA and Visa International from 1990 to 2005 and 1995 to 2005, respectively. Mr. Phillips received a Masters of Business Administration from the Darden School (of business) at the University of Virginia in 1973 and graduated from Presbyterian College in Clinton, South Carolina in 1971. Mr. Phillips is a native of Greenville, South Carolina.

Mark Rossi has served as a director effective December 1, 2010. Mr. Rossi currently serves as Senior Managing Director of Cornerstone Equity Investors LLC, an active middle market private equity fund that he founded in 1996. From 1984 to 1996, Mr. Rossi held various positions with Prudential Equity Partners, the private equity subsidiary of Prudential Insurance, including President from 1994 to 1996 and Senior Vice President from 1984 to 1994. Mr. Rossi holds a Masters of Business Administration from the J.L. Kellogg Graduate School of Management at Northwestern University and a Bachelor of Arts degree in Economics from Saint Vincent College in Latrobe, Pennsylvania.
 

Juli Spottiswood is Senior Vice President and General Manager of Blackhawk Engagement Solutions (“BES”), a division of Blackhawk Network Holdings Inc. (NASDAQ: HAWK) a leading prepaid and payments network. BES provides customized engagement, incentive and rebate programs for consumers, employees and sales channels. Juli was previously president, chief executive officer and a member of the board at Parago, Inc., a marketing services company which was sold in October, 2014 to Blackhawk. Ms. Spottiswood co founded Parago in 1999, originally serving as the company's chief financial officer. Spottiswood also brings to the Cardtronics board a high-level profile within the prepaid card industry; previously serving as a board member and treasurer of the Network Branded Prepaid Card Association, a nonprofit association formed to promote the use of prepaid cards.