Mr. Curti M. Johnson serves as a Senior Vice President and General Counsel of CharterBank (the Bank). Mr. Johnson has been Senior Vice President and General Counsel at Charter Financial Corporation since 2011. He is a Member of both the Georgia and Alabama Bar Associations. Prior to joining the Bank on a full-time basis in January, 2011, Mr. Johnson was a Partner in the law firm of Johnson, Caldwell & McCoy in Lanett, Alabama. Mr. Johnson served as a Director of Citizens BancGroup, a bank holding company in Valley, Alabama, from 1988 until it was acquired by the Bank in 1999. He served as Chairman of Citizens BancGroup from 1996 through 1999. He has been a Director at Charter Financial Corporation since November 2007. He received his B.A. degree from Vanderbilt University and his law degree from the University of Virginia School of Law. Mr. Johnson is President of the Chattahoochee Fuller Center Project, Inc. and serves on the LaGrange College Board of Trustees.