Henry B. Howard began his banking career in 1978 at Maryland National Bank in Baltimore, Maryland. Subsequently, he held officer or management level positions at National Bank of Washington, Student Loan Marketing Association (“Sallie Mae”), American Security Bank of Washington, Marine Midland Bank (Delaware), CenTrust Savings Bank in Miami and BAC International Credit Corporation in Miami. Henry founded U.S. Education Finance Group in 1999 (assets of $2.75 Billion as of 12/31/10). He has been continuously involved with education lending since 1981. Henry Howard has 30 years and $7 Billion of education loan origination and financing experience.