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SmartBank Chairman of the Board

Miller Welborn is president of Welborn & Associates, Inc., a Chattanooga-based consulting firm specializing in transportation logistics, for more than ten years. Miller served as a director of Cornerstone Bancshares, Inc. since September 2005. He then became chairman of the Board of Directors of Cornerstone Bancshares, Inc. and Cornerstone Community Bank beginning in November 2009. Mr. Welborn has served on the boards of numerous trucking companies and associations. In addition, he served on the board of a publicly traded bank for many years and for two terms as a director of the Federal Reserve Bank of Atlanta’s Birmingham Branch. He also serves on the boards of several non-profit organizations.