Consumer

Business

Experienced & Capable Leadership

Urban Trust Bank is guided by a group of highly experienced professionals with broad expertise and success in the financial world. Their passion and commitment to developing an organization that is both unique and best-in-class drives our organization.

Our leadership team appreciates the importance of our customers and continues to ensure our organization is customer-centric above all else.

URBAN TRUST BANK PRINCIPALS

Robert L. Johnson
Investor/Owner
Founder
RLJ Companies

Frank J. Hanna, Jr.
Investor/Owner
Chairman and President
Worldwide Inc.

URBAN TRUST BANK BOARD OF DIRECTORS

Angelo Palombi Director Business Consultant	Royce Walden Director Business Consultant
H. Van Sinclair, Esq. Director President The RLJ Companies	Scott Arnold, ABS Director Managing Director The Clinton Group
Lisa Pickrum, Esq. Director EVP & Chief Operating Officer The RLJ Companies	William Miller Jr., CPA Director Shareholder and President Moore Stephens Lovelace, PA

URBAN TRUST BANK LEADERSHIP TEAM

Larry D. Flowers
Chief Executive Officer

Kathy Boden Holland
Executive Vice President
National Products

Michael Farrell
Executive Vice President
Chief Financial Officer

John Crumrine
Senior Vice President
Retail Banking

Lynn Tucker
Chief Credit Officer

Marlyn Lugo
Senior Vice President
Director of Human Resources

Ron Strand-Sorrell
Senior Vice President
Enterprise Risk Management

Tangy Whitfield Napier
Senior Vice President
Corporate Marketing

Buy a house with a 3.5% down payment*

We offer mortgages with 3.5% down payment, flexible credit options and excellent interest rates. Contact our team today.

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Find a surcharge FREE ATM

Access your cash at 37,000 surcharge free ATM's across the country. Learn More and Locate an ATM.

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* We offer home mortgages with a down payment as low as 3.5% through a Federal Housing Administration (FHA) loan program. An example of such a loan is as follows: To purchase a $200,000 home, we would finance 96.5% or $191,437.43. Your down payment would be $7,000. To repay the principle and interest due on this loan, you would need to make 359 payments of $1,084.40 and 1 payment of $1,085.29. Payments do not include taxes and insurance and the actual payment will be higher. The interest rate associated with this example loan is 5.25% and is fixed for the entire term of the loan. The actual rate you will receive depends on a number of factors, including your credit and the interest rate environment at the time you lock your rate. The corresponding Annual Percentage Rate (APR) in this example is 5.829% and includes costs associated with closing. The total amount of interest paid over the life of the loan is $209,124.79. These terms are available for a purchase or refinance on your primary residence. APR and terms subject to change without notice. All loans are subject to credit approvals. Other restrictions may apply. Please contact a Mortgage Banker for additional details.

(1) We offer free ATM transactions on our consumer accounts excluding Opportunity Checking and The Urban Trust Success Card

FDIC

EHL

Kathy Boden Holland Executive Vice President National Products	Michael Farrell Executive Vice President Chief Financial Officer
John Crumrine Senior Vice President Retail Banking	Lynn Tucker Chief Credit Officer
Marlyn Lugo Senior Vice President Director of Human Resources	Ron Strand-Sorrell Senior Vice President Enterprise Risk Management
Tangy Whitfield Napier Senior Vice President Corporate Marketing