Roger Kramer, Cfa, Caia Email & Phone Number

Marietta, Ga, Us

New York, New York, Us

Charlotte, North Carolina, Us

Responsible for the $110 Billion Brighthouse Financial General Account. Establishing strategic objectives and defining risk parameters while optimizing portfolio returns given capital, risk, liquidity and ALM considerations for the GA assets in the most cost-effective manner possible. ▪ Managed a team of 6 with primary responsibility to oversee the General Account’s $52 Billion Corporate Credit and $3.5 Billion Alternatives portfolios▪ Voting Member of internal Investment Committee responsible for approving commitments across Funds, Structures and Equity Co-investments▪ Led strategic asset allocation (SAA) process and oversaw quarterly tactical asset allocation decisions▪ Drove the investment of $100 Million of equity into a new reinsurance company▪ Frequent presenter to the Brighthouse Financial Board▪ Regular interaction with the “C-suite”

Charlotte, North Carolina, Us

▪ “Primary Portfolio Manager” for the $65 Billion GA Core Portfolio involving daily interaction with 3 Core Asset Managers at BlackRock, GSAM and JP Morgan Asset Management▪ “Secondary Portfolio Manager” for the $13 Billion GA Commercial Real Estate Debt Portfolio and $3.5 Billion Alternatives Portfolio providing support for Primary Portfolio Managers and interacting with outsourced managers as needed.▪ Led the development of the Alternatives Portfolio Optimization and executed changes to the portfolio▪ Researched, selected, and onboarded managers for two new asset classes in Middle Market Direct Lending and High Yield Infrastructure Credit

Charlotte, North Carolina, Us

Key contributor to the development of an outsourced multi-manager investment platform for the Brighthouse Financial General Account. ▪ Performed Cost/Benefit analysis to determine which asset classes should be managed internally or continue to be outsourced.▪ Helped determine “best in class/cost” operating model regarding both staffing and structure for the General Account asset management platform by interviewing peer companies to understand different models, and evaluating applicability to Brighthouse▪ Ran manager selection processes for all General Account asset classes to include building Request for Proposals, interviewing managers (145 managers/teams in total), evaluating/scoring RFPs, and selecting best in class managers by asset class, which include:• Core (Treasuries, Agencies, Municipal Bonds, Investment Grade Corporate Bonds and Structured Finance)• Core Plus (High Yield, Emerging Markets, and Syndicated Bank Loans)• Private Asset Classes (Corporate Private Placements, Commercial Real Estate Debt, Infrastructure Debt, Agricultural Loans, Residential Whole Loans and Alternatives▪ Led a cross functional team across Finance, Risk, ALM, Treasury, Legal, Operations for the on-boarding of 9 new managers from Investment Management Agreement negotiations through asset transfers and management

New York, Ny, Us

Responsible for the development of a new Strategic and Tactical asset allocation process/model with a focus on the inclusion of new asset classes for the $80 Billion Voya Financial General Account. Restarted and expanded Alternative Investment Program to include Hedge Funds, Private Equity, Private Credit and Real Estate Equity. Responsible for manager selection for outsourcing of General Account assets. Led a multi-departmental team to overhaul existing Strategic and Tactical Asset Allocation processes Ran process to outsource $2.5 Billion of taxable municipal bonds to Blackrock in Voya’s first outsourcing; currently oversee manager and portfolio Ran process to select both Private Equity and Hedge Fund non-discretionary advisors to support internal staff Managed $1 Billion Alternatives portfolio with plans to grow portfolio to $2 Billion Built first Alternative Asset allocation model optimizing across 23 different alternative asset classes Implemented $300M Hedge Fund portfolio across 20+ funds Implemented a Private Equity program consisting of approximately $450M/year in new fund commitments across traditional Private Equity, Private Credit, Infrastructure, and Real Estate Equity  Led a multi-departmental team to investigate Insurance Company Owned Life Insurance (ICOLI) as a potential investment for the General Account Implemented a new Alternative Asset portfolio management system (eFront) to help manage Alternative portfolio Responsible for exploring new asset classes for the General Account, including Municipal Bonds, CLOs, Insurance Linked Securities (ILS), High Yield Private Credit, Infrastructure Equity, and Real Estate Equity and Mezzanine Loans

Radnor, Pa, Us

Develop and implement Strategic and Tactical asset allocation framework for Lincoln’s $85 Billion General Account utilizing a Liability Driven Investment Strategy. Responsible for new asset class exploration and potential integration into asset allocation. Managed the quantitative analysis and asset modeling processes used by Asset Liability Management (ALM) and Enterprise Risk Management (ERM).  Built a Hybrid “Manager of Managers” investment platform after Lincoln’s sale of Delaware Investments in January 2010. Responsible for manager selection, evaluation and oversight Reestablished management of “non-credit intensive” asset classes in-house and rebuilt internal investment capabilities Built strategy to expand Alternative Investment Portfolio and began building internal platform for Hedge Fund and Private Equity manager due diligence Introduced new asset classes to General Account such as Middle Market Leveraged Loans and Mortality Linked Notes enhancing the risk return profile Member of BIT (Benefits Investment Committee) that recommended an LDI driven asset allocation to Lincoln’s $1Billion Employee Defined Benefit Plan

Managed the day-to-day investment of $80 Billion largely fixed income portfolio separated in over 70+ Lincoln Financial Insurance portfolios. Developed investment strategies to maximize portfolio yield while continuously monitoring both current and potential risks. Recommended changes in portfolio asset allocation and risk profile as market conditions warranted. Worked closely with ALM and the lines of business to optimize cash flow, duration and other characteristics of the asset portfolio to match those of insurance products. Promoted to run the Portfolio Management Group Better aligned investment strategies with each of Lincoln’s liabilities/insurance products enhancing both duration match and cash flow characteristics Enhanced investment and reporting processes to provide greater transparency to the CIO and Lincoln Senior Management Led Investment Team responsible for Lincoln/Delaware separation

Raleigh, Nc, Us

• Manage $2 Billion of Commercial Paper Programs for Holding Company and two subsidiaries involving eight broker dealers• Manage over $1.2 Billion of Short Term Investments• Managed the multi-billion dollar interest rate hedging program• Participated in/Led three debt offerings totaling $1.25 Billion• Helped to successfully renegotiate $1.13 Billion five-year Holding Company Credit Facility• Created presentations for Credit Rating Agencies and Senior Management• Forecast short-term working capital needs for two utilities and other subsidiaries• Led team that installed a new Treasury Work Station system that allowed for significantly enhanced cash management capabilities. Project was completed on time and within budget• Managed all new and existing Letters of Credit and Corporate GuaranteesTreasury, Financial Analysis, Senior Financial Specialist• Worked directly with subsidiary business units to identify the expected economic results of capital projects and business initiatives• Utilized standard valuation techniques including discounted cash flow, NPV/IRR analyses• Evaluated Strategic Planning initiatives and capital investments in excess of $5M by projecting income and cash flow statements➢ Analyzed Gas Field acquisition to determine appropriate valuation.➢ Evaluated wholesale energy unit profitability and recommended future participation in market segment➢ Performed a least cost analysis on plant type for the next new-generation unit to be built by Florida subsidiary➢ Performed analysis on Inventory levels prior to Nuclear outages to determine the optimal amount of Inventory to have on hand

Zurich, Ch

• Rotated through Equity Derivatives, Debt Capital Markets, Credit Default Swap and High Yield desks• Analyzed Convertible and High Yield issues to identify capital structure trade opportunities

San Francisco, California, Us

Corporate Relationship Manager, Assistant Vice President• Identified clients’ financial needs and introduced solutions that included Credit, Interest Rate Swaps, Treasury Services, Employee Benefit Programs, Foreign Exchange and Capital Markets Products• Advised clients as to appropriate capital formations and structuresCorporate Credit Analyst, Bank Officer• Underwrote debt for technology, manufacturing, real estate, and other operating entities• Conducted balance sheet and income statement analyses, forecast cash flows, valued collateral positions and monitored covenant compliance of borrowers• Researched and analyzed current market, industry, and economic conditions

Masters, Finance

Bachelor Of Science, Business Administration