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CFC Presentation (Change Management (CIs in processes and innovation,…

- - - - Broader base of Brokers
      - Move from upfront commisssion
      - Lower sales volume ok
      - risky so review 1.5 yrs into 3 yr plan
      - 2013 - 2015
    - - Build in principles of VIP
      - increased focus on external marketing
      - above market growth in key focus product areas
      - 2015 -2017
    - - Increased Sales targets
      - Improve expenses
      - Increasing strategic service offered to brokers
      - Further improve online capabilities
      - Further improve internal hand offs
- - - - Mind Set & Attitude, Data Analysis, Segmentation Strategy, Consultative Relationship Management,