Gerard J. Kowalski is a graduate of Temple University School of Law. He obtained his Juris Doctorate in May 1984. Following graduation, Attorney Kowalski clerked for the Honorable John A. Geisz in the Court of Common Pleas in Philadelphia County from September 1984 to March 1986. His experience with Judge Geisz included a 1985 and 1986 assignment during which time Judge Geisz sat by designation on the Pennsylvania Superior Court.

Mr. Kowalski became an Assistant District Attorney in Philadelphia County in March 1986. He served in the trial division under the Honorable Ronald D. Castile until July 1991. Assignments included the Municipal Court Unit, the Juvenile Unit (Sex Crimes and Child Abuse), Felony Waivers, and Homicide. Mr. Kowalski represented the Commonwealth of Pennsylvania in numerous felony preliminary hearings; misdemeanor, felony and homicide bench trials; and misdemeanor, felony and homicide jury trials.

Mr. Kowalski moved to the private sector in August 1991 when he became an Assistant Vice President and Associate General Counsel for Prudential Securities, Inc. He served as counsel to the Private Client Group, representing the firm, officers, compliance professionals, traders, branch managers and registered representatives in the home office and domestic branches. Responsibilities included handling all aspects of securities related arbitrations, regulatory investigations, employment related arbitrations, internal inquiries, examinations and audits; interfacing with compliance, credit, executive services and regulatory reporting departments; advising business personnel with respect to all securities related issues, employment and disciplinary issues, and recruiting; negotiating and advising with respect to opening account agreements, fiduciary certifications, control agreements, employment agreements, and various broker/dealer contractual relationships; drafting appropriate language for U-4s, U-5s and RE-3s; coordinating and conducting internal investigations; participation in setting and drafting firm policy; developing training programs; and conducting training sessions and seminars for registered representatives, branch managers and operation managers.

Prudential Securities, Inc. promoted Mr. Kowalski to Senior Vice President and Regional Counsel in 2001. He became the main legal contact for the Atlantic Coast, Midwest, Northeast and Mid-Atlantic Regions of the Private Client Group. Duties included advising divisional presidents, regional officers and branch personnel regarding the avoidance and resolution of legal and regulatory problems; supervising outside counsel and in-house counsel in developing case strategies with respect to arbitrations, litigations and regulatory proceedings arising out of the regions including responsibility for establishing all legal reserves and providing settlement authority; and conducting and/or coordinating investigations of employee activity and advising business units on disciplinary measures. Other responsibilities included review and approval of legal agreements affecting the business units; assisting in coordinating the firm's recruiting efforts; participating in the training and retraining of brokers; participating in the orientation and training of new managers; and coordinating special projects.

Mr. Kowalski transferred from Prudential Securities, Inc. to Wachovia Securities, LLC in July 2003 as part of a Joint Venture between the two companies. He was given the title of Senior Vice President and Senior Litigation Counsel at Wachovia, and he continued to perform many of the same functions that he previously performed for Prudential. He remained in that position through March 2005 when he voluntarily resigned to become a shareholder at Marshall, Dennehey, Warner, Coleman & Goggin in the firm's Securities Practice Group.

Attorney Kowalski's practice focuses on the representation of NASD and NYSE member firms, associate members, registered representatives, registered investment advisors, insurance agents, and all individuals and entities which comprise the financial services industry in a wide range of securities matters including litigation, arbitration, mediation, recruiting, customer complaints, internal investigations and regulatory proceedings.