VITAL ASSETS

Our Board is comprised of seven of the most successful, influential and recognizable members of the Midtown community. Their backgrounds combine relevant banking, real estate and business experience with proven successful leadership.

Gary Byrd
Gary Byrd is President and Chief Executive Officer of Pratt Financial Services, a private equity firm specializing in the financial services arena, with a particular focus in community banking, commercial finance, and consumer finance companies. An affiliate of Pratt IIndustries, the largest private packaging company in the world, Pratt Financial has invested iin 17 portfolio companies, including denovo and established regional banks. Prior to founding Pratt Financial, Mr. Byrd was the President and CEO of Pratt Industries, and was the primary architect in growing the U.S. company from $100 million in revenues when he joined Pratt in 1988 to over $700 million today. He remains Chairman of the Global Finance Committee, at Pratt Industries, responsible for major financial decisions facing the worldwide company

Mr. Byrd has been extensively involved with complex financial transactions throughout his career, both with the Pratt Group and as an investment banker with Security Pacific Bank. Mr. Byrd started his career with Security Pacific Bank in 1975. During his 14 years at the bank, he held a variety of increasingly responsible positions, including Senior Vice President and Chairman of the Senior Loan Committee with an individual credit liimit of $100 million, as well as Managing Director and Head of the Leveraged Buyout Group. He also founded and headed the Mergers and Acquisitions Group at Security Pacific.

Mr. Byrd received a B.A. in Finance from the College of William and Mary and an M.B.A. from the University of California at Los Angeles. He currently serves on the boards of Midtown Bank and Trust; and Republic Bank. Mr. Byrd lives in Atlanta, Georgia with his wife Aileen and three children.

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Joseph D. Chipman, Jr.  Chairman
Mr. Chipman served as Chief Executive Officer and as a founding director on the board of Lanier National Bank, Gainesville from 1988 until 2000, when Lanier National Bank was acquired by Century South/BB&T. Mr. Chipman retired in April 2002, and purchased a second home in Midtown Atlanta. Mr. Chipman was a senior executive at the Citizens Bank of Gainesville from 1975 until 1988. Prior to that, he also served as a bank examiner with the Georgia Department of Banking and Finance for four years. Mr. Chipman attended Gainesville College and graduated from West Georgia College with a degree in Economics and Business Administration and served in the U.S. Army. Mr. Chipman remains active in the Gainesville banking community.

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Eric W. Hartz
Mr. Hartz is President, CEO and Director of RentBureau, LLC; an objective, third party, centralized data repository of nationwide rental payment history used to better evaluate rental applicants, build tenants' credit histories and improve data acquirers scoring tools and other services. He is also a Director at LAVA Group, LLC; a firm helping companies leverage patents and other intellectual assets. Mr. Hartz was a founding member, Presdent and Director of Security First Network Bank, the world's first internet bank, which became S1 Corporation (Nasdaq symbol: SONE). He also served as CEO and Director of ZapMedia; a digital entertainment company. Prior, Mr. Hartz was with McKinsey & Company in Atlanta, Georgia; Washington DC; and Paris, France. He also serves on CEO High Tech Council Board, Young CEO Roundtable, and as an adjunct at Emory University's Goizueta Business School. He holds an MBA with distinction from Wharton Business School, and degrees in economics and chemistry with honors form the University of Pennsylvania.

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D. Kimbrough King, Jr.
Mr. King is President of Kim King Associates, LLC, a 35 year old real estate development company located in Midtown Atlanta. Kim King Associates develops retail, office, residential, and mixed use properties, primarily in the metropolitan Atlanta area. Prior to joining Kim King Associates in 1999, Mr. King was a Vice President at B & I Lending, LLC, a small business lender which specialized in government guaranteed lending, primarily through the USDA and SBA. Mr. King worked with various community banks across the southeast to originate and underwrite loans in a variety of industries and markets. Mr. King graduated from Washington and Lee University with a BA in Economics. Mr. King serves on the Board of Midtown Alliance and lives in Midtown Atlanta.

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R. Stan Kryder

Mr. Kryder is President, CEO and a Director of Midtown Bank & Trust Company. He is responsible for all aspects of the bank's operations and growth plans. Mr. Kryder has over 27 years of experience in commercial banking. He began his career in Atlanta, Georgia in 1979 with the C&S National Bank and has held increasingly senior executive responsibilities with the following companies: Bank of America, Wachovia Corporation and AmSouth Bancorporation.

Mr. Kryder has served as Executive Vice President of General Banking for the state of Georgia for First Union, now Wachovia Corporation, as well as serving as a Director of their Georgia Bank and a member of their Corporate Management Committee. He has also led large merger integration teams and strategic initiatives throughout the East Coast. He has led a 200 new branch initiative in Florida and managed large business units covering multiple states and lines of business. Mr. Kryder also serves as an outside Director for two Atlanta based corporations in the Financial Services sector.

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F. Blair Schmidt-Fellner
Mr. Schmidt-Fellner is a graduate of the University of Virginia with a B.S. degree and an MBA. Mr. Schmidt-Fellner was the co-founder and Chief Financial Officer of Act III Broadcasting, Inc. From 1988 until 1994, he worked with Turner Broadcasting, Inc. in various capacities including serving as Executive Vice President of Sports South Network, chairman of Hawks Arena and director of business development. Mr. Schmidt-Fellner was founder and President of both Webbed Feet, Inc., and Cygnus Business Media. Mr. Schmidt-Fellner is currently President of Endurance Business Media, publisher of Homes and Land Magazine. Mr. Schmidt-Fellner is also senior advisor on a pro bono basis for the MicroVest project of CARE, which is involved in financing development around the world. He is a member of the Board of Directors of the Boys and Girls Clubs of Metro Atlanta.

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