Melissa Morgan Email and Phone Number

As Chief Retail Officer, accountable for the Patelco Retail Branch Network, Branch Operations and Support. As the Chief Executive Officer of Patelcorp Inc, responsible for the Investment and Insurance business.

Accountable for strategic development, marketing and sales for Savant Inc., a national professional technology services corporation.Savant Inc. supports high-tech industries with application development and management from the strategic conceptual phase through tactical application.

Responsible for the leadership and development of the store-based Private Banking Program impacting over 600 licensed bankers, two million customers and $142 billion in assets under management. Develop strategies to deliver appropriate offering, marketing, customer experience, training and sales process resulting in improved retention and asset consolidation. Accountable to build partnerships across multiple business lines and geographies with a focus on bringing together the Branch, Private Banking and Wealth Management teams.Specific accomplishments:• Coached and developed 35+ Regional Private Banking Managers by establishing a vision, creating a roadmap and building high-performing teams within each market• Supported growth of Investment Management and Trust business through focused efforts on partnerships, compensation and training. Resulting +57% increase in unit sales and +26% increase in balances • Enhanced sales management process through compensation development, sales goals and performance expectations supporting a +42% lift in investment sales and a +63% improvement in partner referrals• Developed differentiated credit value proposition for affluent credit customers by working with multiple partners and product groups leading to a 19% sales growth

Accountable for the development and execution of a nationwide plan to improve the credit customer experience supporting an $80 billion portfolio. Led a team of Executive Vice Presidents through multiple work streams to evaluate and improve the customer experience • Created a two year road map to deliver end-state experience for each customer segment • Developed analytics and research methods to identify key levers and prioritize gaps• Developed information systems to provide a competitive bench mark and monitor progress • Created training for front-line team members to reinforce their impact on loyalty scores• First year results delivered a lift in loyalty ranging from +200bps to +800bps

Leadership role with P&L accountability for strategic development and profitable growth of a $5 billion sales portfolio; managed 50 team members supporting 11,000 mortgage brokers. Responsible for managing three business lines across a four-state region to drive profitable cross-sell and portfolio growth through partnerships.• Managed internal partnerships and external joint ventures with UBS and Edward Jones to provide home equity products and servicing through internet and call centers. Increased sales from $465 million in 2002 to almost $2 billion in 2004 • Transitioned three Sales Support groups from reactive servicing to proactive, results driven cross-sell teams supporting mortgage brokers across U.S. • Revised business model and implemented new technology for in-bound and out-bound call center increasing the portfolio from $1.1 billion in 2003 to $5 billion in 2005

Accountable for developing acquisition marketing programs for Citibank’s first internet launch. Also responsible for developing and managing partnership and space share branches within Kinko’s stores to create new methods of acquiring and servicing customers beyond traditional brick and mortar branches. • Developed integrated marketing programs to support our internet acquisition launch. Identified as one of best internet launches of the year• Managed national partnership with Kinko’s and the Citibank retail branches located within Kinko’s stores• Built and managed call center teams providing full service support in banking, and investing• Kinko’s locations averaged twice the sales at less than one-half the operating costs of a traditional branch

Responsible for retail product development and for acquisition and retention of Wells Fargo checking portfolio. Overall goals: increase loyalty, retention and cross-sell through segment specific initiatives and deliver superior customer experience.• Created predictive model to identify at-risk customers and executed segment specific, targeted retention programs• Developed and piloted first financial planning product for mass-market consumer by a major bank to improve loyalty and consolidation. Customers reported 97% satisfaction with 58% cross-sell improvement • Improved payback on marketing programs by 30% through a disciplined process of results tracking, prioritization and ongoing improvement

Managed marketing team responsible for product development, segmentation strategies, sales and product support for Citibank in Western U.S. Accountable for retention, loyalty programs and cross-sell of multi-billion dollar deposit portfolio. Delivered multi-faceted campaigns combining direct marketing, merchandising, advertising, and sales support for retail branches.• Developed segmented loyalty program that delivered differentiated product and sales experience to high value customers. • Designed innovative cross-sell programs to new households increasing retention 18% and cross-sell 22%• Developed ethnic marketing and delivery initiatives to capitalize on previously un-tapped emerging markets