Karen Osar is a retired investment banker, Treasurer and CFO, who has almost continuously served as Audit Chair of U.S. publicly listed companies from 1999 to the present. A banker at the original J. P. Morgan from 1975 to 1994, she subsequently served as Treasurer of Tenneco, then a $12 Billion industrial conglomerate, and then as CFO of Westvaco, MeadWestvaco (now Westrock) and Chemtura, a specialty chemical producer. From 1999 to 2005 she chaired the Audit and Finance Committee of Allergan Inc .(a specialty pharmaceutical company), the BNY Hamilton Funds (a mutual fund family advised by the Bank of New York) from 199 until 2003, Encore Medical from 2003 until its sale in 2005, from 2007 until 2016 at Innophos Holdings Inc, a specialty chemical producer, and where she continues as a director and member of the Audit and Nominating and Go ernance Committees, and from 2011 to the present of Webster Financial Corporation, a holding company for a $25 billion regional bank, where she also serves on the Risk Committee and on the Executive Committee. She also currently serves as a non executive director, member of the Audit Committee, and chair of the North American Audit Committee of Sappi Ltd. Sappi, headquartered in Johannesburg, South Africa, is one of the world's largest producers of printing papers and chemical cellulose and has substantial operations in South Africa, Europe and the U.S.