Executive Profile

Fred G. Kowal Consultant and Senior Management Advisor, Pamrapo Bancorp Inc.

Age	Total Calculated Compensation	This person is connected to 0 Board Members in 0 different organizations across 1 different industries.
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Background

Fred G. Kowal has been Senior Management Advisor and Consultant of Pamrapo Bancorp Inc. since January 25, 2010. Mr. Kowal served as the President and Chief Operations Officer of American Bank of New Jersey (formerly American Savings Bank of NJ ("Bank")) and its holding American Bancorp of New Jersey, Inc. (formerly, Asb Holding Co.) since March 2005. He served as the Chief Executive Officer of The Warwick Savings Bank. He served as President of Warwick Savings Foundation. ... He served as Chairman and Chief Executive Officer of Warwick Community Bancorp Inc. from July 2001 to October 2004. Mr. Kowal served as the Chairman, President and Chief Executive Officer of Towne Center Bank (Lodi NJ) until October 2004. He also served as an Executive Vice President and Vice Chairman of Warwick Community Bancorp Inc. He served as Senior Vice President of PNC Bank and Senior Vice President of First Union National Bank, where he worked for 16 years. Mr. Kowal served as Chairman of the Board of Warwick Commercial and WSB Funding. He joined Warwick Community Bancorp Inc. in 1999 and also served as Chairman of The Warwick Savings Bank since July 2001. He serves as a Director of Warsave, WSB Financial, Hardenburgh and The Warwick Savings Foundation. Mr. Kowal serves on the Board of Regents of Felician College in Lodi, New Jersey and is also active in several banking-related organizations. He served as an Executive Director of American Bancorp of New Jersey, Inc. since March 2005. He served as a Director of American Bank of New Jersey since March 2005. He served as Director of Warwick Savings and Warwick Community Bancorp Inc. since 2001. He served as Director of Warwick Commercial and Towne Center Bank (Lodi NJ). Mr. Kowal holds an M.B.A. in Finance from Rutgers University and a B.S. in Business Management from Fairleigh Dickinson University.

Corporate Headquarters 365 Broad Street Bloomfield, New Jersey 07003 United States Phone: 973-748-3600 Fax: 973-748-2047 Board Members Memberships Former President, Chief Operating Officer, Director and Director of ASB Holdings American Bank of New Jersey 2001-N/A Former Chairman of the Board, Chief Executive Officer, Chairman of the Board-Warwick Commercial and Chairman of the Board-Warwick Savings Warwick Community Bancorp Inc. 2005-N/A Former President, Chief Operating Officer, Executive Director, President of American Savings Bank of NJ, Chief Operations Officer of American Savings Bank of NJ and Director of American Savings Bank of NJ American Bancorp of New Jersey, Inc. Education MBA Rutgers, The State University of New Jersey BS Fairleigh Dickinson University Other Affiliations Warwick Community Bancorp Inc. Towne Center Bank (Lodi NJ) Rutgers, The State University of New Jersey Fairleigh Dickinson University The Warwick Savings Bank American Bank of New Jersey American Bancorp of New Jersey, Inc.

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COMPETITOR COMPENSATION

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