Director Bios

Chairman/President
Ralph E. “Ed” Eberhart served as Commander, U.S. Northern Command and Commander, North American Aerospace Defense Command, Peterson Air Force Base, Colorado. He retired from active duty after more than 36 years in the United States Air Force. General Eberhart has been a member of AFBA since 1987 and has served on the Board of Directors since 1997. He served as the Chairman from October 2002 – November 2004. On December 1, 2004, General Eberhart was appointed by the AFBA Board as the President of AFBA. In 2009, he was appointed the Chairman & President of AFBA. General Eberhart also serves as Trustee and Chairman of 5Star Bank and 5Star Life Insurance Company.

Vice Chairman and Lead Independent Director
John N. Abrams served as the Commanding General of the United States Army’s Training and Doctrine Command. He retired from active duty in January 2003 after more than 36 years of service in the United States Army. General Abrams previously served as Commanding General, V Corps, United States Army Europe and Seventh Army, Germany. He graduated from Bowling Green University of Ohio with a Bachelor of Science in Business Administration and holds a Master of Science in Public Administration from Shippensburg University. General Abrams enlisted in the U.S. Army in February 1966 as a tank crewman. He was commissioned as a second lieutenant upon graduation from Officer Candidate School in 1967. General Abrams has been a member of AFBA since 1975 and currently serves as Vice Chairman/Lead Independent Director of the AFBA Board of Directors, Chairman of the Compensation and Personnel Committee, and a member of the Bank Holding Company Oversight Committee.

Thomas H. Collins is the former Commandant of the United States Coast Guard and is currently a Security, Safety and Environmental Senior Consultant. As Commandant, Admiral Collins developed and led the USCG’s increased security posture in the aftermath of the tragic events of 9/11/01 including the transfer of the service to the new Department of Homeland Security. Admiral Collins currently serves on the Boards of four security related corporations and has consulted on maritime related security matters at home and abroad. He has served on the AFBA Board since January 2009 and is currently the Chairman of the Investment Committee and a member of the Audit Committee.

Charles K. Collum worked for Burke & Herbert Bank Trust Co., a Virginia Community bank, for more than 38 years. He began his career in 1971 as a cashier, and then worked his way up through the bank until 1999 when he was promoted to President and COO. In 2003, Mr. Collum became Chairman and CEO. He is very active in the Alexandria, Virginia community through his involvement with the Alexandria Police Foundation, the Alexandria Boys’ and Girls’ Club, and Rotary Club as well as the past Chairman of the Board of the Alexandria Chamber of Commerce. He is currently an AFBA Board member, Chairman of the Bank Holding Company Oversight Committee, and a member of the Audit Committee.

Larry R. Ellis served as Commanding General of the United States Army Forces Command, Fort McPherson, Georgia, before retiring from active duty in 2004. He served over 35 years in the United States Army. General Ellis also served as the Deputy Chief of Staff for Operations and Plans, USA, Washington, D.C. He attended Morgan State University earning a Bachelor of Science in 1969 and a Master of Science from Indiana University in 1974. He was commissioned as a second lieutenant through the Reserve Officer Training Corps Program. General Ellis has been a member of AFBA since 1981 and currently serves as an AFBA Board member and is a member of the Compensation & Personnel Committee.

Hal M. Hornburg served as Commander, Air Combat Command, Langley Air Force Base, Virginia, and Air Component Commander for U.S. Joint Forces Command and U.S. Northern Command before retiring from active duty in 2005. He served over 36 years in the United States Air Force. Previously General Hornburg was the Commander, Air Education and Training Command, Randolph Air Force Base, Texas. He graduated with a Bachelor of Business Administration in Finance from Texas A&M University in 1968 and holds a Master of Science in Human Resource Management from the University of Utah. He was commissioned through the Reserve Officer Training Corps program and entered active duty in 1968. General Hornburg has been a member of  AFBA since 2006 and currently serves as an AFBA Board member, Chairman of the Planning & Governance Committee, and member of the Investment Committee.

James L. Jones served as the Supreme Allied Commander, Europe (SACEUR) and the Commander of the United States European Command (COMUSEUCOM) from 2003 to 2006 and 32nd Commandant of the Marine Corps from July 1999 to January 2003. He retired in February 2007 with 40 years of service in the United States Marine Corps. Following his retirement from the military, General Jones became the president of the Institute for 21st Century Energy until January 2009 when President Obama appointed him as the 22nd National Security Advisor. In 2011, he founded the consulting firm Jones Group International and serves as the company's President and CEO. He attended Georgetown University School of Foreign Service, from which he earned a bachelor of science in 1966. He was commissioned a Second Lieutenant in the Marine Corps in January 1967. General Jones has been a member of AFBA since 1983 and is currently a member of the Compensation and Personnel Committee.

J. Michael Loh served as Commander, Air Combat Command, Langley Air Force Base, Virginia, before retiring from active duty in 1995. He served over 35 years in the United States Air Force. He also commanded the Aeronautical Systems Division, Air Force Systems Command and served as Air Force Vice Chief of Staff. General Loh is a command pilot with more than 4,300 flying hours,  primarily in fighter aircraft, and flew 204 combat missions in Vietnam. General Loh earned a Bachelor of Science in Engineering Science from the United States Air Force Academy in 1960 and a Master of Science in Aeronautical Engineering from the Massachusetts Institute of Technology. He served as the AFBA Chairman of the Board from May 1992 to May 1995. General Loh has been a member of AFBA since 1986 and currently serves as an AFBA Board member, Chairman of the SERP Committee, and a member of the Compensation and Personnel Committee.

T. Joseph Lopez served as Commander-in-Chief of U.S. Naval Forces Europe and Commander- in-Chief Allied Forces, Southern Europe before retiring from active duty in 1998. He served over 39 years in the United States Navy. He also commanded the Peace Implementation Forces in Bosnia- Herzegovina from July 1996 to November 1996. Admiral Lopez enlisted in the Navy in September 1959 and was commissioned as an ensign via the Seaman-to-Admiral Program in December 1964. He is one of two Flag Officers in the history of the U.S. Navy achieving four-star rank after direct commission from enlisted service. Admiral Lopez has been a member of AFBA since 1971 and currently serves as an AFBA Board member, Chairman of the Audit Committee, and a member of the Investment Committee.

Gerald R. Murray served as Chief Master Sergeant of the United States Air Force, the 14th Chief Master Sergeant appointed to the highest non-commissioned officer position. He retired from active duty in 2006. Previously he served as Command Chief Master Sergeant, Pacific Air Forces, Hickam Air Force Base, Hawaii. Chief Murray is a distinguished graduate of the Senior Non-commissioned Officer Academy, Gunter Air Force Base, Alabama. He has been a member of AFBA since 1988 and currently serves as an AFBA Board member and a member of the Planning & Governance Committee and Compensation & Personnel Committee.

Peter Pace retired from active duty in October 2007 after more than 40 years of service in the United States Marine Corps. He served as the sixteenth Chairman of the Joint Chiefs of Staff from 2005 to 2007. Prior to becoming Chairman, General Pace served as Vice Chairman of the Joint Chiefs of Staff. He holds the distinction of being the first Marine to have served in either of these positions. General Pace graduated from the United States Naval Academy in 1967, holds a Master's Degree in Business Administration from George Washington University and attended Harvard University Senior Executives in National and International Security program. The General is also a graduate of the Infantry Officers' Advanced Course at Fort Benning, Ga.; the Marine Corps  Command and Staff College, in Quantico, VA; and the National War College, at Ft. McNair, Washington, DC. General Pace has been a member of AFBA since 1975 and has served on the Board since April 2009. He is currently a member of the Investment Committee.

Roger C. Schultz is the former Director of the Army National Guard and is currently the Vice President of Universal Systems and Technology, Inc. (UNITECH)®. He is also a Senior Executive Associate of the Association of the United States Army and a Senior Fellow of Logistics Health Incorporated. General Schultz also previously served on the 5Star Life Insurance Company Board of  Directors (a related enterprise of AFBA). He has served on the AFBA Board since January 2009, and is currently a member of the Planning & Governance Committee and the Bank Holding Company Oversight Comittee.

Patricia A. Tracey served as the Director, Navy Staff before retiring from active duty in 2005. She served over 35 years in the United States Navy. Admiral Tracey’s previous assignments included Chief of Naval Education and Training and Director of Naval Training. She graduated from the College of New Rochelle with a Bachelor of Arts in Mathematics and earned a master’s degree in  Operations Research from the Naval Postgraduate School in Monterey, California. Admiral Tracey completed Women Officers School and was commissioned as an ensign in 1970. She was the first woman in the U.S. Navy to achieve the rank of Vice Admiral. Admiral Tracey has been a member of AFBA since 2006 and is currently an AFBA Board member and a member of the Audit Committee.