DCAP Group Inc.

Mr. Lyons has served since 2004 as a principal of Den Ventures, LLC, a consulting firm focused on business, financing, and merger and acquisition strategies for public and private companies. From 2002 until 2004, Mr. Lyons served as a managing partner of the Nacio Investment Group, and President of Nacio Systems, Inc., a managed hosting company that provides outsourced infrastructure and communication services for mid-size businesses. Prior to forming the Nacio Investment Group, Mr. Lyons served as Vice President of Acquisitions for Expanets, Inc., a national provider of converged communications solutions. Previously, he was Chief Executive Officer of Amnex, Inc. and held various executive management positions at Walker Telephone Systems, Inc. and Inter-tel, Inc. He has served as one of our directors since July 2005.

Mr. Goldstein received his B.A. and M.B.A. from State University of New York at Buffalo, and has been a certified public accountant since 1979.

Robert Wallach, one of our directors at the time of purchase, is Vice President of Eagle and Chief Executive Officer and Chairman of Eagle's parent, The Robert Plan Corporation. Additionally, until our purchase of the surplus notes, Mr. Wallach and a number of other Eagle employees were directors of Commercial Mutual. Further, concurrently with the purchase, and following the resignations of Mr. Wallach and four other directors of Commercial Mutual, Jack Seibald, one of our directors, and four other persons (including one of our employees) were elected by the remaining Commercial Mutual directors to the eleven person Board of Directors of Commercial Mutual. In addition, the new Commercial Mutual Board of Directors elected Barry Goldstein, our President and Chief Executive Officer, as its Chairman. Mr. Goldstein had been elected as a director of Commercial Mutual in December 2005.

Victor Brodsky has been our Vice President and Chief Financial Officer since March 20, 1998, which includes the period prior to our acquisition of Worldwide Excellence, Inc. on November 29, 2005, at which time he was also appointed Secretary of the Company. Mr. Brodsky served as a director of the Company from May 2002 until November 2005. Prior to joining the Company in March 1998, Mr. Brodsky spent 16 years as a CPA at the firm of Michael & Adest in New York. Mr. Brodsky also presently serves as Chief Accounting Officer of DCAP Group, Inc. (NASDAQ: DCAP), a position he has held since August 17, 2007. DCAP Group owns and operates the largest chain of independent storefront insurance agencies in the Northeast. Except as disclosed in the applicable employment agreements discussed in the section of this document titled The Company Director and Executive Officer Compensation Employment Agreements, and as disclosed in the section of this document titled, The Company Certain Relationships and Related Transactions, no arrangement or understanding exists between any executive officer and any other person pursuant to which any executive officer was selected to serve as an executive officer.

Barry Lefkowitz has served as chief financial officer of the Company since 1996, and as executive vice president of the Company since 1997. Mr. Lefkowitz oversees the firm's strategic financial planning and forecasting, financial accounting and reporting, capital markets activities, investor relations, and information technology systems. In addition, since 2004, Mr. Lefkowitz has been responsible for oversight of the Company's property management and asset management operations. Mr. Lefkowitz served as a vice president of the Company from 1994 to 1997. Prior to joining the Company, Mr. Lefkowitz served as a senior manager with the international accounting firm of Deloitte & Touche LLP, specializing in real estate, with emphasis on mergers and acquisitions. In addition to having served as co-chairman of the National Association of Real Estate Investment Trusts (NAREIT) Accounting Committee, he is a member of the American Institute of Certified Public Accountants (AICPA), the New Jersey Society of Certified Public Accountants (NJSCPA), the New York State Society of Certified Public Accountants (NYSSCPA), and the National Association of Industrial and Office Properties (NAIOP). Mr. Lefkowitz holds a B.S. degree in accounting from Brooklyn College.

Ms. Kathleen Farrell was elected DCAP Vice President of Franchise Operations in October 2005. Ms. Farrell has been employed by DCAP since 1993, and is well versed in all aspects of insurance sales and is most adept at bridging the gap between agency and carrier. Since 2003, Ms. Farrell has assisted new franchises with all aspects of the start-up process. In addition, she was responsible for supporting existing franchises with their day to day sales operations including training, carrier relations and quality control. Ms. Farrell graduated from the Berkeley Business School in 1990, and holds an Associates Degree in Business. In 1996, she obtained her New York State Brokers License.

Michael Feinsod has been a director of the Company since December, 2005, President since November, 2006 and Chief Executive Officer since October, 2008. Mr. Feinsod holds a BA from The George Washington University and a JD from Fordham University School of Law.