Sutha Kunam

202311.02
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Sutha has over 20 years of experience in the mortgage brokering, finance, and private lending sectors.
Sutha has led the substantial growth of Kuber mortgage investments as evidenced by 52% CAGR over the
past 5 years. Sutha’s active management of the mortgage and investment portfolio is instrumental to the
overall success of the fund thus far, as Kuber’s portfolio continues to sustain no loan losses since inception.
He has a reputation as a business turnaround specialist adding innovation and automation of many of
Kuber processes. Sutha graduated from the University of Waterloo with a B.A.Sc. Honours in Applied
Science in Engineering.

Lois Tullo, CA/CPA, MBA, ICD.d

202310.02
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Lois Tullo has over 30 years of experience at the executive and board level of financial institutions. As a CFO, CCO, and CRO for financial and digital asset companies she brings a breadth and depth of experience in finance, compliance, risk management, technology, and governance. Most recently as CCO for YAMS CP, and previously as CFO for CIBC Finance Inc. she oversaw a $6 billion loan portfolio. She has been teaching risk management for over 25 years at the Schulich School of Business at the Executive, MBA, and Undergraduate level. She is a keynote speaker for the United Nations, American Banker, CAiP, and the Fields Institute on the topics of risk management in the areas of digital assets, blockchain and carbon credits, sovereign debt and Central Bank Digital Currency. She is the Chair of Urban Promise “kids at Risk” charity, Vice Chair of the Richview Foundation affordable seniors housing, and past BOD and Chair of the HRCC for privately held bank. She holds a CA/CFA; MBA, ICD.D, and OSC CCO designation.

Ranier De Lambert

202309.02
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Mr. De Lambert has over 25 years of mortgage industry experience. Ranier is the relationship team lead for
investors. His team funded over 2 billion dollars in residential mortgages and has consistently ranked as
the top-performing team* in Ontario and Canada. He is a leader in the industry, winning multiple awards*
throughout his career. Mr. De Lambert has completed the Canadian Investment Funds Course (IFIC), the
Life Insurance Agent Licensing Course, and the Condominium Authority of Ontario (CAO) Condo Director
Training Program. Mr. De Lambert is also the Treasurer and Director of Metropolitan Toronto
Condominium Corporation 779.

*Outstanding GTA Sales and Service & Gold Club Award 2003 & 2004, Royal Bank of Canada. National award for top volume earnings 2008 & 2009, Centum. 
Invis: Canada's Top Partner Volume & Toronto's Top Independent Broker 2013. Top Team and Unit Sales in Ontario and Canada 2014, 2015 & 2016.  National Top 20 Team Volume 2017, 2018 & 2019.

Brian Baldeo

202308.02
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Brian is one of the founding members of KuberMIC. He analyses, evaluates, and makes underwriting
decisions in line with underwriting guidelines and recommendations, coordinating with the underwriting
staff. He also manages, trains, and appraises junior members of staff to enhance the underwriting skills
within the underwriting team. Brian was previously the Vice President Ontario East & North at Street
Capital. He was also the Senior Underwriter at ING Bank of Canada, Scotia Express, MCAP, and Street
Capital. Brian graduated from the University of Guyana with an Honors BSc.

Ruban Vetha

201520.03
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Mr. Vetha has been with the company since inception. He has over 30 years of Canadian IT experience and has a MSc in Computer Engineering along with Microsoft, Cisco, Avaya Certifications. He was employed by one of the “Big Four” accounting firms in an IT Leadership role for over 28 years. On top of his Infrastructure skills, he specializes in Cyber Security, threat management and data privacy. He currently holds the position as Director of IT at Kuber MIC and he is responsible for overseeing and managing the Information Technology department, data security and privacy and ensuring that our company’s technology systems are reliable, up-to-date, safe, and secure.