J Downey Bridgwater

Chairman, President, and CEO

Houston, Texas

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Sterling Banchares, Inc. and Sterling Bank

Chairman, President, and CEO

Charter Bank - Houston

Sr. Vice President

Comerica Bank

President - Houston Market

J D Bridgwater & Co., LLC

Managing Member

University of Houston

President, Michigan Market at comerica.com

Kathy Roehl

Vice President at comerica.com

Ken Byrd

Ray Gibb

Vice President and Loan Review Officer at banksterling.com

Loan Porfolio Manager at banksterling.com

Morris Taft

First VP, Commercial Banker at sterlingbank.com

Eddie Lee

Senior Financial Analyst at sterlingbank.com

Executive Vice President, General Counsel and Corporate Secretary at sterlingbank.com