Brent Finnegan

Chairman

Mr. Finnegan has been in the Group Insurance business throughout his career. He started with CIGNA in group sales where he had direct national account responsibility.

After CIGNA, Mr. Finnegan was elected a Managing Partner of the national firm R.B. Jones, directing their New England operation prior to founding O'Neill Finnegan & Jordan (OFJ). As a principal, he participated in the formation of OFJ/Hobbs Group that was sold in 2001 to Hilb, Rogal, Hamilton and is today Hilb, Rogal, Hobbs (trading under the symbol HRH).

Mr. Finnegan is one of the original investors in YouDecide and has been involved with the company in a dedicated capacity since January 2008.

A graduate of The College of the Holy Cross with a B.A. in Economics, Mr. Finnegan has been involved with numerous professional organizations, including the National Business Group on Health, the New England Employee Benefits Council and the Conference Board.

Peter E. Marcia

Chief Executive Officer and member of the Board of Directors

Mr. Marcia assumed an active role in the management of YouDecide in mid-2006 after two years as an investment partner. Prior to his involvement with YouDecide he was Vice President and National Director of Employee Benefits for Hilb, Rogal and Hobbs, the world's 10th ranking broker, where he led the company's strategic business unit. Previously, he led the employee benefits practices of Hobbs Group, LLC, in Atlanta and O'Neill, Finnegan & Jordan of Boston.

Active in numerous professional organizations, Mr. Marcia is a past member of the National Business Group on Health, New England Employee Benefits Council, the CIAB Board of Directors of the Council of Insurance Agents and Brokers, Wellness Councils of America and the Society of Human Resource Management.

Mr. Marcia earned a Bachelor's degree from Babson College with a major in Entrepreneurial Studies and a minor in Economics.

Richard L. Baker

Chief Financial Officer and member of the Board of Directors

Mr. Baker has been the CFO of YouDecide.com since 2004. He has more than 30 years of experience in consumer products and management, having worked in sales management and new business development for market leaders such as Gillette, United Brands and Pepsi.

In 1981 he was a co-founder of Great Bay Timber Co., which sold timber and lumber products to Taiwan, Japan and Singapore. After that company was sold in 1985, he became a principal and owner of One Pie Canning Co., a regional food company. He has also participated in financing a number of start-ups in the food, customer relationship management and real estate areas.

A veteran of the Navy (1969-71), Mr. Baker is a graduate of Harvard College and Harvard Business School.

Mr. Baker serves on the boards of The Dyslexia Foundation and Yes Read America.

Jim Boyd

Vice President, Business Strategy

Mr. Boyd joined YouDecide in September of 2007. He has over twenty years experience in the employee benefits field with roles in health and welfare consulting and financial analysis/underwriting.

Mr. Boyd began his career as an underwriter for a national health, life and disability insurer in 1987. He has held positions with national brokerage/consulting companies relating to national practice development and strategy, client management, and consulting on a broad array of health and welfare benefit plans. Most recently, Mr. Boyd served as a Principal in the Boston office of one of the world's largest human resource consulting firms, providing advice to large clients on benefits strategy.

Mr. Boyd holds a BA from Middlebury College and received the designation of Certified Employee Benefits Specialist (CEBS) in 1992. In 2007, Mr. Boyd was named a Power Broker by Risk & Insurance in the field of Benefits Consulting. He is a member of the New England Employee Benefits Counsel (NEEBC) and is licensed as a life and health insurance broker in numerous states.

Kyle Fabrizio

Vice President, Client Relations

Ms. Fabrizio is responsible for the overall strategic direction and satisfaction of client relationships. She works with the Operations and Technology groups to facilitate superior delivery of unique client requirements and serves as a first path of escalation for client issue resolution.

Ms. Fabrizio has more than 10 years experience in the Employee Benefits and Technology Industry. Prior to joining YouDecide, she was Vice President, National Employee Benefits at Hilb, Rogal, and Hobbs in Boston, MA. As a member of the National Employee Benefits Team, she provided professional resources, tools, and technology to HRH's 50+ Employee Benefits offices throughout the United States.

Prior to HRH, Ms. Fabrizio managed the solution consulting and implementation services teams at HighRoads, Inc. (formerly IE-Engine), a technology company in Woburn, MA which assists Fortune 500 companies in managing employee benefits procurement, administration, and communication. She also spent several years as a Consulting Analyst in the Health Care and Group Benefits practice at William M. Mercer in Boston.

Ms. Fabrizio is a graduate of Harvard University with a Bachelor of Arts in Psychology, trained as a Green Belt in Six Sigma Process Improvement Methodology, a member of the Society for Human Resource Management and a former member of the New England Employee Benefits Council and the National Business Group on Health.

Stephanie Cowie

Vice President, National Accounts

Ms. Cowie brings extensive experience in the voluntary benefits area. She has 18 years of experience, 10 of which were spent working for MetLife, one of the largest, premier insurance carriers. Ms. Cowie has worked in the areas of sales development, account management, systems application, call center operations, and customer service. Prior to joining YouDecide, Ms. Cowie served as a Senior Account Executive for a consulting firm where she managed some of the largest, most complex employer Voluntary Benefits programs in the country.

Ms. Cowie is responsible for sales, client relations and account management. She possesses a unique knowledge of Voluntary Benefits, and her strength in all aspects of account management and account implementation for many national account programs has played a major role in her proven successful track record.

Ms. Cowie is a graduate of the University of Rhode Island with a B.A in Communications and Marketing.

Ron Fulginiti

Operations Manager

As Operations Manager of YouDecide, Mr. Fulginiti serves as product manager for the YouDecide insurance program and the director of call center operations. With over 13 years experience in operations and customer relations management, he recognizes the importance of delivering unparalleled customer service at both the member and client level.

Since joining YouDecide in 1999, Mr. Fulginiti has been instrumental in streamlining and automating many of the current YouDecide auto and home provider partners onto the insurance platform. Working closely with our provider partners, he strives to constantly improve our product offerings-including development of both group and choice insurance models-and reporting infrastructure.

Mr. Fulginiti holds a Bachelor's Degree from the University of Delaware.

John Mark Young

Vice President, Technology

Mr. Young called on his extensive background in the insurance and financial services industry when he was tapped to play an instrumental role in establishing the YouDecide IT department in 1997.

Prior to joining YouDecide, Mr. Young was associated for more than nine years with Equifax Insurance Services where he developed many insurance and finance-related products and services, including "Life 2000," the first rules-based requirement-ordering engine for the life and health marketplace. In addition, he spent several years with Policy Management Systems writing property and casualty comparative rating systems.

Mr. Young holds a B.S. in Computer Science from West Virginia Institute of Technology.

Brooks Finnegan

Consultant, Business Strategy

Mr. Finnegan has held several insurance-related positions in various capacities with Bell & Clements Lmtd., a Lloyd's of London broker; Hales & Company Investment Bank, a mid-market insurance distribution advisor; and The Ross Companies, an executive compensation and benefits consulting firm.

Prior to joining YouDecide, Mr. Finnegan was a management consultant for five years with Accenture Ltd., covering the Communications and High Technology Industry.

Mr. Finnegan is a graduate of Vanderbilt University with a B.S. in Human & Organizational Development. He has an MBA from the Babson College F.W. Olin School of Business.