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Thomas R. Kowalski, a Director of Howe Barnes since 2001, was formerly Chairman, Chief Executive Officer and majority owner of Megabank Financial Corporation, Englewood, Colorado, a $300 million bank holding company, which he founded in 1984. In April 2000, Megabank was sold to Compass Bancshares. From 1980 to 2000, he also served as Chairman and Chief Executive Officer of the First State Bank of Hotchkiss, a Colorado bank. From 1972 to 1992, Mr. Kowalski served as President of Realtek Company, a general contractor and real estate development corporation. He also served as a director of the Fortress Group, Inc., a publicly traded home building company from 2001 to 2002. Mr. Kowalski continues to be involved in real estate and investments through Respond Corp., Englewood, Colorado. Mr. Kowalski graduated from the University of Colorado with a Bachelor's degree in Business Administration. Mr. Kowalski is involved with the National Jewish Medical & Research Center, a leader in the treatment and research of respiratory, immune and allergic disorders and the Denver Rescue Mission which helps those in need become self-sufficient by providing physical and spiritual help. | 