KELLY TRYON BIOGRAPHY, 2012.

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1 KELLY TRYON BIOGRAPHY, I am employed with and represent The CUMIS Group, an insurance company that partners with credit unions to deliver strategic advice and financial solutions to meet their needs. My current role as Vice President Regional Sales, involves working directly with credit unions and providing leadership to our customer facing strategic sales team. In this capacity I have the opportunity of gaining an intimate knowledge of credit union strategies and business direction; I am then able to develop supporting strategies which assist credit unions in achieving their business goals. In previous roles I lead the customer service division, as Associate Vice President. In this capacity my primary responsibilities were focused on balancing our prided customer experience with operational efficiency. To that end, I have extensive experience in developing improved efficiencies, expense savings and improved customer service metrics. On a personal note, my husband and I will be celebrating our 29th wedding anniversary this year. We are the proud parents of two wonderful children; our daughter is 26 and recently married and our son is 23 and recently completed his apprenticeship and is an electrician. We enjoy the peace and quiet of our country home, which we have lived in for 28 years. I have had the pleasure of participating on the board of On Co op for the past two years, with this past year as Vice Chair. I have the skills and passion to continue to represent the membership of On Co op.

2 RR#1 Troy, Ontario L0R 2B0 Phone: Cell: Acts as a dynamic corporate influencer to create and implement change to optimize the business EXPERTISE PROFILE Senior Operations & Sales Leader Outgoing, energetic, focused and innovative senior executive renowned for setting and maintaining high values, engaging stakeholders with different agendas and building a collaborative and decisive environment where all are encouraged to succeed and deliver. Change agent, sets goals, steers the path and brilliantly executes. Couples strategic vision with a detailed analytical ability to unravel and resolve critical hindrances to business growth and competition. Kelly is a leader with focus, discipline and a capacity to manage cross functionally, while executing brilliantly. Heather Mclachlin, Vice President Business Development and Partnerships, The CUMIS Group Core business competencies include: Executive Leadership Resource Management Solutions Sales / Relationship Mastery Budget P&L Contract Negotiations Vendor Management Customer Service Strategic Planning Change Management Business Reengineering Project Management Program Management Operations Marketing PROFESSIONAL EXPERIENCE The CUMIS Group Ltd., Toronto, Ontario 1984 present The leading provider of insurance related products and services to the Canadian credit union system, serving approximately 465 credit unions, with a total of more than five million members. Acknowledged for unequalled drive and determination in consistently delivering results, realizing 6 President s Council Award s while developing productive relationships to drive sales and customer loyalty. Held the following 9 progressively responsible positions: VICE PRESIDENT REGIONAL SALES, Sales Leadership 2011 present Led provincial sales teams through strategic transition expanding teams focus from mono line relationship management to multi line relationship management. Realigned regional structure to support revised strategy, focused on cross organizational product lines. Accredited for developing and maintaining relationships with key executives across both CUMIS and The Co operators ensuring delivery of superior sales & service focused on maximizing advocacy, loyalty revenue and net income. Built and maintained relationships at executive levels throughout the credit union system to understand credit union needs and requirements identified revenue growth possibilities. Reinvigorated value proposition, linked to the overall CUMIS strategy while supporting the client centric business model. Responsible for top line revenue growth across all lines of business on a budget of $200 million.

3 Page 2 STRATEGIC RELATIONSHIP MANAGER, Business Development Steered clients through a major global economic downturn to consistently exceed revenue by 1% in 2008 on a $34 million budget and by an unparalleled 8% in 2009 on a $36.6 million budget. Accredited for actively networking and pursuing competitive opportunities in the credit union sector, capturing significant multi million dollar RFP win. Identify opportunities and devise compelling business propositions targeted towards the C Level or SVP retail sales to optimize revenue at existing accounts to combat the limited scope of new business when achieving 80% market share. Reinvigorated customer perception from a supplier to a strategic partner delivering industry leading customer loyalty scores at 78.1% in 2008 and 80.3% in 2009 against the financial services 56% industry average. Realigned the corporate strategy to creditor insurance for the largest credit union in Ontario to optimize the business opportunity. Built a customized program to stimulate branch participation and drive revenue while minimizing CUMIS account management processing. Initiative boosted participation by 6% generating an additional $300,000 in credit union revenue. Led numerous successful multiple year complex creditor insurance negotiations which have further elevated brand recognition in the credit union sector. ASSOCIATE VICE PRESIDENT, Customer Service Parachuted in to tackle and resolve underperformance issues stemming from an underperforming 25 person Customer Service Team with a mandate to devise and implement change to eradicate issues, deliver customer service excellence and manage expenses. Process included: Developed a customer service best practice strategy built around the customer experience. Created the deployment vision, securing buy in from multiple stakeholders with different agendas. Implemented a sweeping restructure, reallocating work assignments to resource skill sets while introducing and facilitating an internal training program, Know Your Customer, to provide staff with enhanced client relationship abilities. Streamlining initiative delivered the following impressive measurables: Elevated customer service levels from 69% to 88%. Decreased costs in excess of $200,000 on a $3.7 million spend while delivering other notable operational efficiencies. Drove employee engagement rates to the highest in the company s 7 business units, to 3.5 versus the 3.1 or below in other units. Appointed by senior management to direct the following business units: Billing & Collections, Creditor Underwriting and Home & Auto Claims as a result of a consistent record of increasing performance, instigating policies and procedures, boosting morale, and extracting costs. Acknowledged for exemplary leadership and diligence to duty by meeting with multiple direct report line Managers and all 41 staff at annual appraisal time to discuss personal development and provide coaching. Devised a divisional balance scorecard linked to enterprise strategies to monitor key performance measurables and increase accountability. Acknowledged as the key business driver in boosting performance measures after devising and executing a fundamental strategy and change management initiative. Acted as the business owner implementing the largest system replacement for CUMIS in over 25 years, provided quarterly updates directly to Board of Directors.

4 Page 3 AREA MANAGER, Sales and Distribution Evaluated the company s sales and distribution operations in the 15 person south western Ontario territory uncovering a need to implement change to consolidate 2 distinct channels in order to compete, reduce costs and elevate sales. Advanced communications between CUMIS and the credit unions, creating and introducing a quarterly newsletter with pertinent insurance results and highlighting success stories. Integrated new monthly premium products with credit union, banking and loans origination systems, gaining a thorough understanding of credit union loan and banking systems. Acted as the CUMIS Ambassador and prime representative at the Credit Union Professionals Association, Credit Union Manager s Association and Credit Union Central Ontario Annual General Meeting, actively networking and enhancing business relationships. Conceived and introduced a fundamental reorganization blending the Direct Customer and Business to Business sales unit with Member Care operations despite vocal staff opposition. Catapulted Member Care sales by 140% and 7% in the Business to Business credit union sector. Recognized need for stringent monitoring of sales results, redefining sales and marketing plans into a team based action and results oriented approach. Assigned as Project Leader for a high profile evaluation of the Ontario Employee Benefit Program; recruited an internal team to identify the opportunities and major competitors; created and surveyed nonpolicy holders to uncover factors in their choice of an insurance provider; and built and submitted a viable action plan for senior management s perusal. Played a key role in devising the Member Care Financial Services (MCFS) Sales Representative training program and delivered recommendations to the Management Team. Selected to participate on the Job Evaluation Committee charged with redesigning job descriptions and the compensation structure for all administrative and professional staff. SALES LEADER, Sales and Distribution Managed, coached and trained 3 Account Managers tasked with selling credit insurance to credit union s across Ontario. ACCOUNT MANAGER, Sales and Distribution Accredited with consistent growth and exemplary customer relationships, expanding the corporate profile throughout Ontario. DEVELOPMENT REPRESENTATIVE, Home and Auto Initiated various marketing and business development programs designed to capture credit union s interest in selling home and auto policies to their members. BRANCH MANAGER, CUMIS Travel Promoted to open a new retail travel store in Guelph; hired and trained staff and established operations. TRAVEL CONSULTANT, CUMIS Travel Provided travel advice to a diverse clientele in Burlington, acting as the conduit between the travel operators, airlines and the customer. EDUCATION AND PROFESSIONAL DEVELOPMENT Richard Ivey School of Business, University of Western Ontario, London, Ontario 2010 MASTER OF BUSINESS ADMINISTRATION Life Office Management Association (LOMA), Toronto, Ontario Expected Completion 2012 Fellow, Life Management Institute (F.L.M.I.): Designation Candidate Lougheed Business College, Kitchener, Ontario 1980 Travel and Tourism Diploma

5 Page 4 Strong proponent of continuous education; selected courses included: University of Lending Sales Leadership Strategies Achieving Sales Excellence Fundamentals of Accounting Credit Union Business Development System The Credit Union System Service Edge Training Basic Marketing LICENSURE Mutual Fund License 2000 Branch Compliance Manager License 2000 Personal Financial Planning Course towards the Certified Financial Planner (C.F.P.) 1997 Life Insurance License 1990 Other Than Life Insurance License 1988 MEMBERSHIPS AND AWARDS Member, ADVOCIS 1991 present Mentor, CUMIS Mentoring Program Recipient, President s Council Award 1996, 1997, 1999, 2006, 2007, 2008 (Recognition of top performers across Canada) Marketing & Fundraising Volunteer, Hamilton Chapter, Canadian Cystic Fibrosis Foundation

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