Lawrence C. Berran has worked with several advanced technology businesses specializing in software development, services enabled by technology and business process outsourcing.

A 1993 graduate of La Salle University in Philadelphia , Pennsylvania , he holds a Bachelor of Science degree. From 1992 to 1997, Mr. Berran worked as a Certified Public Accountant with Pricewaterhouse Coopers, specializing in the Insurance and Financial Services industries. Mr. Berran joined Safeguard Scientifics, Inc. in 1997 managing its finance department and working with Safeguard partner companies - ChromaVision, Inc., DocuCorp, Inc., and OAO Technologies during and after their initial public offerings.

In 1999, Mr. Berran joined Internet Capital Group (ICG), a Safeguard partner company, to play an instrumental role in preparing ICG for its initial public offering. During this time, Mr. Berran was directly involved with organizing and implementing ICG's finance function, including raising over $1.6 billion through multiple issuances of publicly traded securities as well as private financings and including the acquisition of interests in over 70 partner companies. As Vice President - Financial Operations, Mr. Berran was directly responsible for ICG's corporate planning and analysis and the financial reporting of its partner companies. Mr. Berran was also active in advising ICG's Executive Committee and its partner companies, such as eMerge Interactive, ICG Commerce, and Mobility Technologies, in areas of strategy, governance, finance, planning and business processes.

In addition Mr. Berran also serves as a director of The Sycamore Group, Fort Washington, PA, and was a director and treasurer of the Philadelphia Children's Alliance, Philadelphia, PA.

He and his wife Margaret have one daughter and reside in East Bradford, PA.

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Brian Seidman , has worked on numerous financial and accounting issues in a wide range of industries.

A 1997 graduate of Villanova University in Villanova , Pennsylvania , he holds a Bachelor of Science degree and is a Certified Public Accountant licensed in Pennsylvania . From 1997 to 2003, Mr. Seidman worked for Milligan & Company, LLC. Mr. Seidman acted as a senior manager specializing in the development and evaluation of municipal financing plans for multi-billion dollar infrastructure projects being built throughout the United States and Puerto Rico . He assisted with the negotiation of loan and grant agreements on behalf of the United States Department of Transportation and reported directly to United States Congressional Committees. He also developed municipal financing plans that included strategies for obtaining large amounts of capital necessary for financing infrastructure undertakings.

In his capacity as Senior Manager, Mr. Seidman also evaluated numerous entities systems of internal control and assisted his clients with financial reporting issues. He has spoken routinely at financial management seminars held throughout the country.

He, his wife Carly and son reside in Haverford , PA.

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Bill began his career in 1988 as a life insurance agent with Fidelity Mutual Life where he gained valuable experience in implementing tax, legal and estate planning techniques for high net worth individuals.

In 1992, he founded Direct Quote America, Inc., a nationally licensed brokerage firm that developed one of the industry's first automated term insurance shopping services. The company enabled consumers to receive quotes and purchase insurance from a touch-tone phone or web site.

In 1996, Bill co-founded iPipeline with the mission of developing technology tools that enable insurance companies and their agents to market, sell and process insurance faster and more efficiently than ever before. Bill's deep insurance experience provides leadership and vision in developing cutting edge software and allows iPipeline to capitalize on his marketing and management strengths.

Bill graduated with a BA in Business Administration from Westminster College .

He and his wife Kelly have two sons and reside in Downingtown , PA.

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Cary Toner is co-founder and majority shareholder of iPipeline, the country's largest distributor of online insurance software specializing in industry solutions that help market and transact business faster and more accurately. iPipeline continues to push new solutions and create new tools for insurance companies, distributors, brokers and agents.

Formerly president, CEO and sole owner of The Toner Organization, the nation's second largest independent brokerage organization distributing Life, LTC , Annuities, and Impaired Risk Services to over 5,000 brokers in 50 states representing over 65 insurance companies. Cary grew sales from $4 million to $45 million in his 15 years at the helm while pioneering the use of the industry's first online quoting, forms distribution, and case status and ultimately the creation of iPipeline out of this initiative. In 2001 the agency was sold to the Bisys Group where Cary served as COO , CTO until September 2002.

Cary's extensive involvement in the industry includes being a founding member of NAILBA, a founding member of The Marketing Alliance, a board member of Philadelphia Association of Life Underwriters, as well as serving on numerous insurance company advisory boards. Cary earned a BS from St. Joseph 's University and his CLU and ChFC from The America College, Bryn Mawr , PA. Cary lives in Malvern with his wife Maryann and their children Ryan, Courtney, Kira, and Morgan. Cary remains active in numerous boards, charities and foundations.

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Bill began his career in 1988 as a life insurance agent with Fidelity Mutual Life where he gained valuable experience in implementing tax, legal and estate planning techniques for high net worth individuals.

In 1992, he founded Direct Quote America, Inc., a nationally licensed brokerage firm that developed one of the industry's first automated term insurance shopping services. The company enabled consumers to receive quotes and purchase insurance from a touch-tone phone or web site.

In 1996, Bill co-founded iPipeline with the mission of developing technology tools that enable insurance companies and their agents to market, sell and process insurance faster and more efficiently than ever before. Bill's deep insurance experience provides leadership and vision in developing cutting edge software and allows iPipeline to capitalize on his marketing and management strengths.

Bill graduated with a BA in Business Administration from Westminster College .

He and his wife Kelly have two sons and reside in Downingtown , PA.

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Lawrence C. Berran has worked with several advanced technology businesses specializing in software development, services enabled by technology and business process outsourcing.

A 1993 graduate of La Salle University in Philadelphia , Pennsylvania , he holds a Bachelor of Science degree. From 1992 to 1997, Mr. Berran worked as a Certified Public Accountant with Pricewaterhouse Coopers, specializing in the Insurance and Financial Services industries. Mr. Berran joined Safeguard Scientifics, Inc. in 1997 managing its finance department and working with Safeguard partner companies - ChromaVision, Inc., DocuCorp, Inc., and OAO Technologies during and after their initial public offerings.

In 1999, Mr. Berran joined Internet Capital Group (ICG), a Safeguard partner company, to play an instrumental role in preparing ICG for its initial public offering. During this time, Mr. Berran was directly involved with organizing and implementing ICG's finance function, including raising over $1.6 billion through multiple issuances of publicly traded securities as well as private financings and including the acquisition of interests in over 70 partner companies. As Vice President - Financial Operations, Mr. Berran was directly responsible for ICG's corporate planning and analysis and the financial reporting of its partner companies. Mr. Berran was also active in advising ICG's Executive Committee and its partner companies, such as eMerge Interactive, ICG Commerce, and Mobility Technologies, in areas of strategy, governance, finance, planning and business processes.

In addition Mr. Berran also serves as a director of The Sycamore Group, Fort Washington, PA, and was a director and treasurer of the Philadelphia Children's Alliance, Philadelphia, PA.

He and his wife Margaret have one daughter and reside in East Bradford, PA.

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John A. Chambers, is currently a consultant with Akin Gump Health Strategies a healthcare consultant firm that specializes in the dialysis industry, where he has over 25 years of experience. AGHS is a subsidiary of Akin Gump Strauss Hauer & Feld the 7th largest law firm in the U.S. .

Mr. Chambers is a graduate of Mt. St. Mary's College in Emmitsburg , M.D. where he graduated in 1974 with a Bachelor of Science degree in Economics. From 1975 till 1978 Chambers was a hospital representative with Johnson & Johnson until he joined Gambro A.B. a leading Dialysis manufacturer and service provider. Mr. Chambers spent 16 years with Gambro in a variety of positions from sales representative to Regional Sales Manager of both the Mid- Atlantic and Mid- West Regions, where he was responsible for all sales and personnel from New York to Chicago .

In 1993 Mr. Chambers became Vice President of Development for Renal Treatment Centers a Dialysis service provider throughout the United States . In this capacity he oversaw all acquisitions, joint ventures and denovo clinics. During his tenure RTC grew from 13 clinics to 185 clinics with a top line growth of $30 million to $450 million in revenue and led the company through an unprecedented period of growth which ultimately ranked the company as the 3rd largest Dialysis provider in the country. RTC stock price also rose during this period from $6.00 to $32.00 prior to it's sale in 1998.

In addition Mr. Chambers also serves as a director of CMI Printing, Malvern , PA

He and his wife Diane have two children, Paul (Mt. St. Mary's College), Molly( Villa Maria Academy High School )

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Kevin P. Dowd, has developed and directed several organizations in advanced technology businesses in the United States and abroad.

A 1970 graduate of Mount Saint Mary's College in Emmitsburg , Maryland , he holds a Bachelor of Science degree. He served in the United States Marine Corps Reserves from 1970 until 1976, during which time he was employed as a sales representative in pharmaceuticals and medical electronics.

From 1975 - 1987, Mr. Dowd held a variety of positions, including general manager for Gambro, Inc., a multinational medical instrument manufacturer. During that time, he participated in the start-up of the company's U.S. renal therapy subsidiary. He transferred this experience to the automatic identification field where he served as a consultant to a barcode systems manufacturer entering the U.S. market. Dowd then was Director of the data collection business unit at Mars Electronics, where he developed the infrastructure and worldwide distribution system for the company's entry into the automatic identification marketplace.

Mr. Dowd joined Checkpoint Systems, Inc. in 1988. He served as Vice President - Sales and Executive Vice President prior to becoming President in August 1993. Under his leadership, Checkpoint grew from a $40 million company to a $700 million multinational manufacturer and marketer of labeling solutions designed to improve efficiency, reduce costs and provide value-added label solutions for customers across many markets and industries. He has overseen 19 acquisitions, which has positioned the company as a leading supplier of products and services for automatic identification, retail security, pricing, and brand promotion with subsidiaries in 27 countries and nearly 5,000 employees.

During his tenure, Checkpoint became listed on the New York Stock Exchange (10/93) and raised over $750 million through equity offerings, convertible debentures, and private placements. He retired as President and Chief Executive Officer and Director in March 2001.

In addition, Dowd also serves as a director of Holy Redeemer Health System, Meadowbrook, PA, MAB Paints, Inc., Newtown Square, PA and C&D Technologies, Blue Bell, PA (NYSE).

He and his wife, Rita, have three daughters and reside in Wayne , PA.

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Mr. Karl is a partner with the Philadelphia based law firm of Buchanan Ingersoll. He was also founder, President and Chief Executive Officer of Docutec Information L.L.C. a records management company located in the Republic of Argentina . He was successful in raising funds for the start-up in 1999 and through his operational guidance brought the company to break even in 18 months and oversaw the sale the company in April of 2002. From 1996 to 1998 he served as Vice President, General Counsel and Secretary of Renal Treatment Centers, Inc. and President of its international subsidiary until it was sold to Total Renal Care in 1998. During Mr. Karl's tenure the company experienced unprecedented growth. As counsel he handled more than 65 acquisitions for RTC and was integrally involved with the development and implementation of business strategies associated with such growth.

Mr. Karl's experience in the formation of dialysis companies, structures and operations is extensive. He was personally responsible for the formation, acquisition, operations and implementation of procedures and strategies of various start-up dialysis companies including RTC Argentina. RTC created operations in Argentina in 1995 and Mr. Karl, as President of RTC's international subsidiary was personally responsible for all aspects of the 42-dialysis facilities acquired under his direction.Mr. Karl has over 18 years of experience within the healthcare industry. He is currently a partner with Buchanan Ingersoll law firm where he practices in the area of healthcare acquisitions, finance and general corporate. In addition, Mr. Karl was a former partner from 1990 to 1996 of the Philadelphia based law firm of Duane, Morris & Heckscher. Mr. Karl was also an assistant vice president of Irving Trust Company, NY , NY prior to entering law school.

Mr. Karl is a 1978 graduate of the Wharton School of Finance and Commerce at the University of Pennsylvania and a 1983 graduate of The Dickinson School of Law.

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Bill began his career in 1988 as a life insurance agent with Fidelity Mutual Life where he gained valuable experience in implementing tax, legal and estate planning techniques for high net worth individuals.

In 1992, he founded Direct Quote America, Inc., a nationally licensed brokerage firm that developed one of the industry's first automated term insurance shopping services. The company enabled consumers to receive quotes and purchase insurance from a touch-tone phone or web site.

In 1996, Bill co-founded iPipeline with the mission of developing technology tools that enable insurance companies and their agents to market, sell and process insurance faster and more efficiently than ever before. Bill's deep insurance experience provides leadership and vision in developing cutting edge software and allows iPipeline to capitalize on his marketing and management strengths.

Bill graduated with a BA in Business Administration from Westminster College .

He and his wife Kelly have two sons and reside in Downingtown , PA.

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Cary Toner is co-founder and majority shareholder of iPipeline, the country's largest distributor of online insurance software specializing in industry solutions that help market and transact business faster and more accurately. iPipeline continues to push new solutions and create new tools for insurance companies, distributors, brokers and agents.

Formerly president, CEO and sole owner of The Toner Organization, the nation's second largest independent brokerage organization distributing Life, LTC , Annuities, and Impaired Risk Services to over 5,000 brokers in 50 states representing over 65 insurance companies. Cary grew sales from $4 million to $45 million in his 15 years at the helm while pioneering the use of the industry's first online quoting, forms distribution, and case status and ultimately the creation of iPipeline out of this initiative. In 2001 the agency was sold to the Bisys Group where Cary served as COO , CTO until September 2002.

Cary's extensive involvement in the industry includes being a founding member of NAILBA, a founding member of The Marketing Alliance, a board member of Philadelphia Association of Life Underwriters, as well as serving on numerous insurance company advisory boards. Cary earned a BS from St. Joseph 's University and his CLU and ChFC from The America College, Bryn Mawr , PA. Cary lives in Malvern with his wife Maryann and their children Ryan, Courtney, Kira, and Morgan. Cary remains active in numerous boards, charities and foundations.

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Mr. Carey was responsible for building iPipeline from idea phase to an established customer base of over 2500 insurance agents, financial service corporations and insurance companies. His work with insurance industry service vendors included the first XML-based paramedical ordering and tracking system.

Prior to working with iPipeline, Mr. Carey led a team of developers in the design, development, and maintenance of the first intranet applications for Bell Atlantic. Implemented nationwide, these applications were the first to use Internet technology in a call center environment.

Before Bell Atlantic, he was at CGI where he was responsible for the design, implementation, and maintenance of numerous local area network-based information systems used in manufacturing facilities. Prior to CGI, Shawn worked for Prudential Insurance Company as a systems analyst, where he gained valuable experience in the insurance industry.

Mr. Carey began his career as a Communication Officer in the US Marine Corps. He graduated with a B.S in Computer Engineering from Boston University , where he was a Marine Corps Honor Graduate from the NROTC program.

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