Toby Mumford is a retired senior vice president from Franklin Templeton Distributors, Inc. Prior to Franklin, Toby spent 15 years in domestic and international commercial banking with First Interstate Bank and Barclay’s Bank. He also spent five years in Asia with First Interstate Bank, where he was responsible for international project lending and correspondence banking. After retiring from Franklin, Toby has continued to be in involved with Bay Area non-profits and is currently the Chairman of 10000 Degrees headquartered in Marin, serving Marin, Sonoma, Santa Clara and San Francisco counties. Toby and his wife, Susan, enjoy traveling the world and Toby is an avid cyclist.