Tolbert Rowe is the Vice President of Lending for Bay Capital Mortgage in Easton, a residential mortgage lending company. Mr. Rowe has been an active supporter of public education for many years, serving as a board member for Caroline County Public Schools for 18 years. He also served a term as president of the Maryland Association of Boards of Education.

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Mr. Rowe is a graduate of North Caroline High School. He lives in Greensboro with his wife Jeanne and their mini dachshund Frank. The Rowes have two daughters, Kelsey and Allison, who is a Kindergarten teacher at Denton Elementary. Their family includes son-in-law Kyle and three grandchildren, Brayden, Brett, and Clara. All three grandchildren attend Denton Elementary.

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In addition to serving on the CEF board, Mr. Rowe is current Chairman of the Channel Marker Board of Directors, is a member of the Mid-Shore Community Foundation Board of Directors, and is a member of Caroline County United Way Board of Directors.

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Mr. Rowe's career in residential mortgage lending has made him passionate about supporting the mission of CEF. "I assist people in acquiring the most valuable asset many people will ever own. I have seen firsthand the negative impact of not having a basic understanding of personal finances. Bad financial decisions have destroyed some people's lives. My hope is that the efforts of CEF will enhance students' understanding of personal finances and career opportunities available to them," he says.

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