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James A. Howard, C.P.A., a director of Franklin Bank Corp. since March 2004, has for more than the past nineteen years served as a Certified Public Accountant, a Certified Insurance Receiver, a Special Deputy Receiver for the Texas Department of Insurance, a Federal bankruptcy trustee and a consultant to businesses. Mr. Howard was a partner in the international accounting firm Touche Ross & Co. (the predecessor of Deloitte & Touche LLP) from 1969 to September 1985. While a partner there he accumulated 16 years audit and general services experience for financial institutions, including commercial banks, savings and loan companies and life insurance companies. He served for eight years as a member of the firm�s financial institutions industry committee. Upon his retirement from the accounting firm, he became a self-employed business consultant providing business planning, personal financial planning and management advisory services to financial institutions, among other entities. He also has served by court appointment as Federal bankruptcy trustee for a number of businesses, supervising the sale of assets by the bankrupt estate. From July 1988 to February 1998 he served as liquidating trustee of Nash Phillips/Copus, Inc., one of the largest residential homebuilders in the United States. From February 1991 through February 2004, he served by appointment of the Texas Department of Insurance as Special Deputy Receiver and since July 17, 2002 has served by court appointment as receiver for Tesher Corp. Mr. Howard is a Certified Public Accountant, a Certified Insurance Receiver, a charter member of the International Association of Insurance Receivers, a member of the American Institute of Certified Public Accountants and the Texas Society of Certified Public Accountants and a past member of the Board of Directors of the American Diabetes Association. | 