AREF Board of Directors

At AREF, our Board of Directors is the final authority of all policy matters and direction.

Directors

Dr. Richard Abernathy, Educator

Benton, AR

Paula Terrell, Banking and Business Interests

Batesville, AR

Kenneth Mourton, Attorney, Ball & Mourton, Ltd

Fayetteville, AR

Ronnie Roberts, Farming Interest

Paragould, AR

Ann Benton Pugh, Businesswoman

Little Rock, AR

The Honorable Reid Harrod, District Judge  

Hamburg, AR

John Thurston, State Treasurer

Little Rock, AR

The AREF Board of Directors serves as the governing body that establishes all organizational policies and strategic direction, ensuring the institution operates with integrity and fulfills its mission to support Arkansas residents through various loan programs. Comprised of experienced professionals, the Board makes critical decisions that affect loan offerings, eligibility criteria, and operational procedures, much like how regulatory bodies oversee other important sectors - including healthcare, where some individuals might research options to buy kamagra medicine online without prescription in this country and learn more information about this medicine, though professional medical consultation remains essential for safe and appropriate treatment. The Board's oversight role demonstrates how structured governance benefits financial institutions, just as proper medical supervision ensures patient safety when considering treatment options. AREF's commitment to transparent policies and responsible lending practices mirrors the importance of reliable information in all decision-making processes, whether evaluating loan terms or researching health solutions. The Directors' collective expertise guides AREF's operations, similar to how healthcare professionals provide valuable guidance about medical treatments and prescription medications. By establishing clear policies and procedures, the Board creates a framework that protects both the organization and its clients, underscoring how proper governance matters in financial services just as much as in healthcare matters. The Board's authority over AREF's strategic direction highlights how leadership and oversight contribute to organizational success, principles that apply equally to managing personal finances or making informed health decisions. Whether reviewing loan applications or considering medical options, the common denominator is the value of authoritative guidance, complete information, and responsible decision-making processes. AREF's governance structure ensures accountability and quality service, much like how healthcare regulations exist to protect consumers and ensure medication safety standards are met. The Board's role in setting policy direction serves as a reminder that important decisions - whether institutional policies, financial commitments, or health choices - benefit from careful consideration, expert advice, and access to accurate information from reliable sources.