COUNTRY Insurance & Financial Services

Doyle Williams is Executive Vice President and Chief Marketing Officer for COUNTRY Financial. In this position, he is responsible for developing and executing all aspects of the organization's marketing strategy. Additionally, he provides direction for all distribution channels and oversight of securities regulated sales personnel. Williams is a member of the boards of directors for Cotton States Insurance, Middlesex Mutual and Holyoke Mutual. He also serves as Chief Executive Officer of Country Capital Management Company, an internal Broker-Dealer. He holds a MBA from the University of Illinois and a bachelor's degree in business from Illinois State University.

Gendron has served as senior vice president of Property and Casualty Operations for COUNTRY Insurance & Financial Services since November 2004.

Bruce Finks is Vice President of Investments for COUNTRY Financial, where he is responsible for the overall management, supervision and direction of the investment operation of the Company and its affiliates. He also supervises the investment function of the COUNTRY Mutual Funds. Mr. Finks began his tenure with COUNTRY Financial in 1992, having previously served in investment capacities for various banks. Mr. Finks has a BS in finance from Illinois State University and holds the Chartered Financial Analyst (CFA ) designation. He is also a member of the Chicago Financial Analysts Society.

Cori is the manager of Equity (Value) Income. She also manages institutional portfolios. Cori, who joined the firm in 1985, has 25 years of financial industry experience, including 14 years in portfolio management. She was previously a securities analyst at American Express Financial Advisors. Cori received a B.A. from Concordia College and an M.B.A. in finance from the University of Minnesota Carlson School of Management. She also holds the Chartered Financial Analyst designation and is a member of the CFA Institute and the CFA Society of Minnesota.

Derek is responsible for all investment activities related to COUNTRY Trust Bank wealth management portfolios. This includes all client accounts as well as the COUNTRY Mutual Funds. He is also a member of the Stock Selection Committee and the team that manages the COUNTRY Growth Fund. Derek received his B.S. in Finance and his M.B.A. from Illinois State University. He also holds the Chartered Financial Analyst designation, and he has been with COUNTRY Trust Bank since 1995.

Doug is a senior fixed-income portfolio manager. He also manages the High Yield Sector team. He began working in the financial industry in 1964 and has been a portfolio manager since 1979. Prior to joining the firm in 1997, Doug was a senior portfolio manager at Washington Square Advisers. He received a B.S. from the Wharton School, University of Pennsylvania, and an M.B.A. from the University of Minnesota. Doug holds the Chartered Financial Analyst designation and is a member of the CFA Institute, as well as the CFA Society of Minnesota. He is also a former board member of James Sewell Ballet and a past treasurer of the Minnesota Chorale. A significant portion of the High Income and Total Return Bond Fund funds' portfolio may consist of lower-rated debt obligations, which are commonly called "high-yield" securities or "junk bonds." High-yield securities generally have more volatile prices and carry more risk to principal than investment grade securities. Investments in debt securities typically decrease in value when interest rates rise. This risk is usually greater for longer-term debt securities.

Gregory A. Hanson, CFA Greg is responsible for directing the firm's fundamental and quantitative approaches to fixed-income credit research. He is also a senior member of the High Grade Sector team and is a member of the Fixed Income Strategy Committee, which establishes investment policy for all long-term taxable fixed-income products. He has 29 years of financial industry experience, including 23 years in portfolio management. Greg, who joined the firm in 1997, was previously a senior portfolio manager at Washington Square Advisers. He received a B.A. from the University of Minnesota and an M.B.A. from the University of St. Thomas. Greg holds the Chartered Financial Analyst designation and is a member of the CFA Institute, as well as the CFA Society of Minnesota.

Scott Skowronski is an associate portfolio manager and analyst for the Brandes Fixed Income Group. Prior to joining Brandes, Scott was responsible for all research and trading of asset-backed, mortgage-backed, and commercial mortgage-backed securities for a financial services firm. He was also an associate bond fund and pension fund manager for his previous firm. Scott earned his BA in risk management from Illinois Wesleyan University. He has 11 years of investment experience.