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Cren-F2 Executive Bio's From The New 10-K...

Howard Stern has served as a Director since February 1999, as Chairman of
the Board since August 1999, and as our Chief Executive Officer since November
1999. He has been in the life insurance business since his junior year in
college at the University of Pittsburgh in 1975.

In July 1993, Mr. Stern joined The New York Life Insurance Company as a
registered representative where he was responsible for a variety of sales,
training and administrative duties and was active in product development. Mr.
Stern achieved the position of Council Vice President in 1996. He achieved the
position of Council President in 1998.

In October 1998, Mr. Stern ended his relationship with the New York Life
Insurance Company. He then started and was employed by H. Stern Consulting as a
consultant providing consulting, training and seminars for the insurance
industry. He also signed a Career Agent's contract with MassMutual Life
Insurance Company and was involved in selling registered and non-registered
products.

Mr. Stern has served as a consultant to several life insurance companies, both
domestically and abroad, on the development of Variable Products marketing and
training, and has been a featured speaker at industry functions. He is a member
of the Advanced Association of Life Underwriters (AALU), National Association of
Life Underwriters (NALU), Broward County Life Underwriters, and a member of the
American Society of CLUs, (BCLUA).

Mr. Stern is a panel member of the National Association of Securities Dealers
(NASD) Arbitration Board. He currently is licensed in 20 states for the sale of
Life Insurance and Variable Products. He is an approved insurance continuing
education instructor in 48 states and in 1998 taught 8 classes nationally for
the American College.

Douglas Olson served as our President from August 1999until October 2000,
and as Chief Operating Officer from November 1999 until October 2000, and as a
director since February 1999. Mr. Olson previously served as our President and a
director from March 1993 to February 1995 and as Chief Executive Officer from
August 1999 until November 1999. From February 1995 to June 2000, Mr. Olson was
the President and owner of Creative Business Services, Inc., which provides
accounting and management information services. We outsource some of our
accounting functions to Creative Business.

William "Bill" Rubin has served as a director since November 1998. He has
been a commercial loan officer for Enterprise Social Investment Corporation
since 1992, and has served as a vice president with various financial
institutions. Mr. Rubin's responsibilities included underwriting and originating
construction and real estate current employment loans, workout and restructuring
of real estate loans, and management of loan portfolios in excess of $150
million. Mr. Rubin earned a BBA in Finance and Accounting from Southern
Methodist University in 1983. Mr. Rubin serves as a director for Assets
Management.