HOWARD L. ALFORD was born in 1961 in Jacksonville, Florida. He attended college at Vanderbilt University in Nashville, Tennessee and in 1983 he received a B.A. in Mathematics and Economics. Mr. Alford attended Vanderbilt on a military scholarship, participating in the reserve officer training program at Vanderbilt and at nearby Tennessee State University. After graduation, Mr. Alford received an officer's commission as a Second Lieutenant in the U.S. Air Force. He then trained and flew as a Flight Navigator on an EC-130H, and accrued over 1500 flight hours in that capacity while based at Davis-Monthan Air Force Base in Arizona. Mr. Alford ended his military career at the rank of Captain in order to attend law school. In 1992 Mr. Alford received his Juris Doctor degree from University of Florida's Levin College of Law. While there, he served as a member of UF Law Review. Mr. Alford was admitted to practice law in Florida later that year. Mr. Alford has practiced law in Jacksonville at the law firm Kirschner, Main, Graham, Tanner & Demont, and subsequently at Holland & Knight, where he was an associate. Additionally, he practiced as In-House Counsel and Agent Instructor for Realty Executives - the Preferred Group, in St. Johns County. Mr. Alford's law practice includes an emphasis on commercial real estate and mergers and acquisitions.