First Acceptance Corp.

Mr. Pentecost has been USAuto's Chief Information Officer since USAuto's inception of USAuto Insurance Company, Inc. in 1995. He has over 15 years experience with insurance company information systems with Graward General and Direct Insurance Company.

Mr. Wilkins has been First Acceptance's Chief Actuary Officer since November 1, 2005. He has over 21 years pricing, filing and reserving experience with several national & multi-national insurance companies including Fireman's Fund, Allmerica Financial and ACE Limited. Mr. Wilkins is A Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.

Mr. Harrison served as Executive Vice President and Secretary of the Company from April 2004 through December 2007 and has been a director of the Company since April 2004. In 1995, Mr. Harrison co-founded USAuto Insurance Company, Inc., predecessor to USAuto Holdings, which we acquired in April 2004, and served as Vice President and Secretary of USAuto Holdings since its inception. He spent over 30 years experience in insurance and related industries, including automobile insurance and insurance agency operations. From 1976 to 1995, Mr. Harrison served in various capacities with the Harrison Insurance Agency, a family-owned multi-line insurance agency. Mr. Harrison is the brother of Stephen J. Harrison, who is Chief Executive Officer and a director of the Company.

Mr. Dickson has been USAuto's Vice President of Claims since June 2000. From 1996 to 2000 Mr. Dickson was a principal in the Dickson Company, a claims management company. Prior to that Mr. Dickson had over eight years of multi-line claims experience with Cunningham Lindsay, U.S. and the Littleton Group.

Mr. Reed has been USAuto's Vice President of Sales and Marketing since February 1997. He previously spent over ten years as co-owner and President of Reed Oil Company, Inc., a wholesaler and retailer involved in the oil jobber business.

Mr. Bobbitt has served as a director of the Company since August 2004. From February 1987 until his retirement in June 2004, Mr. Bobbitt served as managing director and Dallas regional office manager of the Private Client Service Group – Credit Suisse First Boston and its predecessor, Donaldson, Lufkin & Jenrette. Prior to joining Donaldson, Lufkin & Jenrette, Mr. Bobbitt was vice president of security sales in the Dallas office of Goldman Sachs & Co. Mr. Bobbitt is a director of Hilltop Holdings, Inc. (formerly Affordable Residential Communities Inc.). Mr. Bobbitt is Chairman of the Nominating and Corporate Governance Committee and a member of the Audit Committee.

Stephen J. Harrison has served as Chief Executive Officer of the Company since April 2004. Mr. Harrison had also served as President through February 2008. Mr. Harrison co-founded FAIC, USAuto's predecessor company, in 1995 and served as President and Chief Executive Officer of USAuto from USAuto's inception. He has over 30 years experience in insurance and related industries, including automobile insurance and insurance agency operations. From 1974 to 1991, he served in various capacities with the Harrison Insurance Agency, a family-owned multi-line insurance agency. From 1991 to 1993, Mr. Harrison served as President of Direct Insurance Company, a non-standard automobile insurance company. Mr. Harrison is the brother of Thomas M. Harrison, Jr., who is a director of the Company.

Mr. Shipp has served as a director of the Company since August 2004. Mr. Shipp has been principal of W.A. Shipp, Jr. & Co., a financial advisory firm, since July 1995 and has served as Treasurer/Secretary of the Jack C. Massey Foundation since July 1999. From December 1983 to June 1995, Mr. Shipp served as Vice President of Massey Investment Company. Prior to joining Massey Investment Company, Mr. Shipp worked for more than eight years in various audit and tax capacities for Ernst & Young. Mr. Shipp is a certified public accountant. Mr. Shipp is Chairman of the Audit Committee and a member of the Nominating and Corporate Governance Committee.

Mr. Ford has been the Chairman of the Board of Directors and a director of the Company since its formation in August 1996, and was the Company's Chief Executive Officer until July 2002. Mr. Ford is also a director of Americredit Corp., Freeport-McMoRan Copper & Gold Inc. and McMoRan Exploration Co. He serves as Chairman of the Board of Trustees of Southern Methodist University (S.M.U.) and as a trustee of Southwestern Medical Foundation. Additionally, he was the Chairman of the Board, Chief Executive Officer and a director of Golden State Bancorp Inc., a holding company whose primary asset was its indirect ownership of California Federal Bank, from September 1998 until it was sold in November 2002. Mr. Ford received his B.A. degree from S.M.U. in 1966 and his J.D. degree from S.M.U. Dedman School of Law in 1969. In 1995, he was named a Distinguished Alumni of S.M.U.

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