H. Joe King, Jr.

H. Joe King, Jr. retired as President and Chairman of the Board of Home Federal Savings & Loan Association in Charlotte, North Carolina and its parent company, HFNC Financial Corporation, in 1998, where he had been employed since 1962.

During the past five years, Mr. King has served on the board of directors of Investors Title Company and on the board of trustees of Wingate University.

Mr. King has extensive experience in banking, finance and mortgage lending.