Investment Professionals Inc.

John D. Barnett, 65, has been a director of FIC since July 1991. He has served on several committees of the Board, including the Audit Committee. He currently serves on the Investment Committee and the Nominations/Governance Committee. He is Senior Vice President-Investments of Investment Professionals, Inc., a broker-dealer located in San Antonio, Texas. He has been with Investment Professionals since 1996. From February 1999 to July 2003 he was a principal in that firm and headed its Fixed Income Division. Previously, from 1983 to 1996, Mr. Barnett was associated with Prudential Securities, Inc., where he served both institutional and individual clients. At the time he left Prudential, he was First Vice President-Investments. He has completed the NASD registered principal and investment advisor examination requirements and holds life and health insurance and variable annuity licenses. Mr. Barnett is a director of a non-profit organization. He is a graduate of Howard Payne University and earned an M.A. degree from Texas State University.

Betsy supports all aspects of IPI's insurance sales, including broker sales support, case design, product placement and due diligence on all annuity, life insurance, and long-term care insurance products. In the brokerage industry since 1985, Betsy started her tenure at IPI in 1995 as a financial consultant in an IPI bank program. She also spent five years as a Sales Manager and was responsible for the firm's Compliance Department before joining the Insurance Department in 2002. Betsy focuses on assisting IPI's brokers through innovative sales ideas, uses of products and streamlining business processing.

Creator of the Insurance Division of IPI, Charlie provides sales assistance to IPI Brokers in Estate planning and product placement and ideas for their clients. Before he began his 26 year career in the investment and insurance industry, Charlie spent 28 years as a pilot in the U.S. Air Force. His past affiliations were as a Vice President of EF Hutton and Smith Barney. Charlie graduated from EF Hutton's financial planning and estate planning institute. In the two years prior to his joining IPI, he managed his own firm.

Randy is a Certified Financial Planner and one of IPI's 3 Regional Sales Managers. He began his career in corporate finance with AMR, the parent company of American Airlines, and began his financial planning career with American Express Financial Planning. Randy is responsible for IPI's Financial Planning Program, a service that allows IPI Financial Consultants to offer a highly valuable process through their Financial Institutions.

Suzanne oversees a staff of Customer Service Representatives who are responsible for the operations processing of all Pershing brokerage business. With many years of brokerage experience in Operations and as an Administrative Assistant with several other firms, Suzanne's knowledge and expertise has been the cornerstone in the development of a team responsible for new accounts, account transfers, order processing, securities, funds & report management, general account services and systems training for new brokers. Suzanne and her department support all IPI brokers located across 17 states, in 67 banks and several independent offices.

A Regional Sales Manager with Investment Professionals, Inc., Wade Partridge supports IPI's representatives and bank programs in Arkansas, Louisiana and Mississippi. Prior to his move into management, Wade was a very successful financial consultant in one of IPI's largest bank programs. In addition to his sales management role, Wade is responsible for IPI's Retirement Planning department, which assists financial consultants and financial institution partners in developing and growing their retirement plan business. Prior to joining IPI, Wade was a successful representative at Edward Jones, and later owned an independent wealth management firm.

Chris Rodgers is a Director and fund manager. Prior to co-founding FOUR, he was Head of the UK Equity team at HSBC Halbis Partners, the active management business of HSBC Investments. In this role he was responsible for the management of some 5 billion of UK equities. Prior to taking on this position in March 2003 Chris had been a Senior Fund Manager at Schroders, running several large institutional and retail funds. During over 20 years with them, Chris managed a wide range of different funds including both growth and income styles, and was involved in the asset allocation process for balanced funds. He was also a Director of the Schroders Exempt Property Unit Trust. Chris holds an MA in Human Sciences from Worcester College Oxford and is qualified as an associate of the UK Society of Investment Professionals.

Mr Kingsnorth ASIP, aged 44, Fund Manager and CEO of Laxey Partners Ltd, began his investment career in 1986 with Robert Fleming Asset Management. He holds a BSc in Economics and is an Associate of the UK Society of Investment Professionals.

John joined the BIA team in 2002 with 35 years experience in investment management. He started his career in the Investment Department of Midland Assurance in Birmingham in 1964, moving to London in 1968 to join a firm of stockbrokers. In 1971 he joined the Coal Board Pension Fund as an investment analyst and in 1973 moved to the London office of Confederation Life as a fund manager. His experience there included a spell working in the Canadian head office. He joined 3i Group in 1982 as investment manager and he was appointed Managing Director, 3i Asset Management in 1985, running the team responsible for the management of 3i's quoted portfolio, the 3i pension fund and three investment trusts. He has had a long career interest in smaller cap companies and was a founder memeber of the executive committee of the Quoted Companies Alliance. He has participated in DTI, Stock Exchange and CBI working parties looking into the problems of UK smaller companies. After 20 years at 3i he retired in March 2002 and remains a non-executive director of the 3i Smaller Quoted Companies Trust. He is an Associate of the UK Society of Investment Professionals and a Member of the Securities Institute.

Adam Steiner joined SVG Capital's fund advisory business in 2002 and is a public equity fund manager. Prior to joining SVG Capital, he was a director of UBS Global Asset Management. While at UBS he was responsible for the management of over 1 billion of UK Smaller Companies equities and over 1.5 billion of Pan-Asian Equities. He has a degree in History from Bristol University and is a member of the UK Society of Investment Professionals and AIMR.

Alison, a history graduate from the University of Birmingham, is a Chartered Management Accountant and a member of the UK society of Investment Professionals. She has a wide variety of experience in business management, finance and private equity, having worked both in industry for Cadbury ltd and British Airways, and in the profession for KPMG Corporate Finance. Alison joined YFM Venture Finance in 2001 as an Investment Manager and is responsible for investing equity into suitable businesses in the region.

Arjun serves as a fund advisor to the Quantiva Western European Fund and helps drive Quantiva Capital's strategic expansion. Prior to joining Quantiva Capital, Arjun was a Senior Manager at Accenture, where he spent 10 years within the Corporate Strategy group. His experience at Accenture includes due diligence on M&A deals, growth strategy development, alliance building and commercial interim management roles. He is a top decile MBA graduate from INSEAD and holds an engineering degree from the Indian Institute of Technology, Bombay. He is a member of the UK Society of Investment Professionals.

Jayne joined Amlin in September 2002 as Chief Investment Officer. Jayne was Head of International Equities when she left Halifax Fund Management Limited at the end of 2000. Whilst at HFML she established and ran a wide range of portfolios. Prior to joining Amlin she had been working as an independent management consultant advising a number of blue chip companies, whilst completing an Executive MBA at Cranfield University School of Management. Jayne is also a Member of the UK Society of Investment Professionals, a Fellow of the Chartered Institute of Bankers, an Associate of the Institute of Chartered Secretaries and Administrators and a Member of the Chartered Institute of Management.

Stefan Whitwell is a licensed real estate agent with a Bachelor of Science, with concentration in Finance from The Wharton College of Business, University of Penn. He is also a Chartered Financial Analyst (A.I.M.R.) and founding member of the Chartered Realty Investor Society. Stefan is also a member of the Japan Society of Investment Professionals.