Bio: Dr. Ann Hoyt, a professor of Consumer Science at the University of Wisconsin-Madison and a Consumer Cooperative Specialist at the University of Wisconsin-Extension, has extensive experience with cooperatives as an educator, researcher, director and manager. She has served as a director of numerous cooperatives and cooperative foundations. A significant part of her work at the University of Wisconsin has focused on governance. This includes training hundreds of directors, introducing new governance systems to the cooperative movement, and development of extensive director training materials. She has worked with a wide variety of cooperatives including consumer goods, health care, purchasing, worker-owned, insurance, rural electric, farm supply and credit unions. She has been the director of the Annual Conference of the Consumer Cooperative Management Association for 25 years, was the Board Chair of the UW Credit Union (UWCU) for 9 years. The UWCU is a nearly $1.7 billion credit union with over 185,000 members. Ann was a Co-Investigator on the University of Wisconsin study of the economic impact of US cooperatives. She has often presented her research at international cooperative research conferences and currently is one of an 11 member international Steering Committee for the International Cooperative Alliance’s Global Cooperative Monitor. An NCBA CLUSA Board member since 1992, Ann has served on nearly every NCBA CLUSA committee, has been the Board Chair, has represented NCBA CLUSA at meetings throughout the world and has had extensive experience with NCBA CLUSA ‘s international development programs.