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James B. Witherow is our Chairman of the Board and began serving in that capacity in January 2007. The Reverend Witherow joined our board in May 2006. He is an ordained minister in the Presbyterian Church (USA) serving as organizing pastor for Faith Presbyterian Church of East Parker County in Aledo, Texas and associate pastor of the First Presbyterian Church of Fort Worth, Texas since October, 2003. Reverend Witherow served as President and Chief Executive Officer of First Horizon Home Loan Corporation and President and CEO of Sunbelt National Mortgage Corporation, a company acquired by First Horizon, from January 1992 until his retirement December 2000 and served as an advisor to First Horizon until July 2001. He has 28 years of experience in the mortgage banking industry with over 20 years in executive management. Reverend Witherow received his bachelor’s degree in commerce from the University of Virginia and a master’s degree in divinity from the Brite Divinity School of Texas Christian University. | 