Stellar Bank, 1455 West Loop S, Houston, TX 77027, US

Mr. Lower has been an Executive Vice President of the Bank since 2010 and currently serves as an advisory member of the Banks board of directors and Directors Loan Committee. He served as a member of the Company board of directors from 2013 through 2015 and a member of the Banks board of directors from 2012 through 2015. He also either chairs or serves as a member on all the key operational committees of the Bank. In his capacity as Executive Vice President of the Bank, Mr. Lower is responsible for overseeing the operations of the Banks twelve locations in Bowie, Cass, Lamar, Hopkins, Franklin, Rockwall and Hunt counties. Mr. Lower joined the Bank in 2009 as a Senior Vice President, having previously served eight years as an officer of a Northeast Texas bank. Mr. Lower has over 28 years experience in the financial services industry. He is a graduate of Texas A&M University, B.B.A. in Accounting, 1987, and is a licensed Certified Public Accountant.

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