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Mr. Gene Howard is the Senior Partner of the law firm of Howard, Widdows & Bufogle, P.C. of Tulsa, Oklahoma and has been engaged primarily in the private practice of law over the past thirty-five years. Mr. Howard served in the Oklahoma State Senate from 1964 through 1982 and was the President Pro Tem from 1975 through 1981. In addition, he served as the Chairman of the Board of the Farmers and Exchange Bank from 1972 through 1991 and on the Board of Directors of the Local Federal Bank of Oklahoma. Mr. Howard is a Director of the Oklahoma State Education and Employment Group Insurance Board and presently acts as Chairman. Mr. Howard served as Director of EntreCap and Hinderliter Corporations from 1991 to August of 1992. He is also Chairman of the Board of Philadelphia Mortgage Trust ("PMT"). | 