Q.Know Advisors

Brian Hall, President, Inter-Ocean Management Ltd.

Brian Hall retired as a director of Johnson & Higgins, and chairman of Johnson & Higgins (Bermuda) Limited in July 1997, where he had been responsible for J&H's Global Captive Management operation. Mr. Hall began his career in the Bermuda insurance industry when he joined American International Group in 1958. He moved to International Risk Management Ltd. in 1964. In 1969, he founded Inter-Ocean Management Ltd., which entered into an association with Johnson & Higgins in 1970. Inter-Ocean was acquired by Johnson & Higgins in 1979, and Mr. Hall was appointed president of Johnson & Higgins (Bermuda) Ltd., and became a director of Johnson & Higgins in 1989. After his retirement in 1997, Mr. Hall re-established Inter-Ocean Management Ltd. Mr. Hall is also on the board of of RenaissanceRe Holdings Ltd., serving as chairman of the Audit Committee.

Dick Hyatt, President and Chief Executive Officer, Decisiv Inc.

Dick Hyatt has held executive management, senior marketing and sales positions. His experience comes from more than 25 years of building, managing and growing early stage technology companies including SAGE Systems, Automation Partners, Hayes-Ligon/ADP and Amteva/Cisco Systems. Mr. Hyatt is responsible for all aspects of building a world class team of industry and technology experts and delivering high quality, profit improving products and services leading to long term customer satisfaction.