Columbia Bank

Whether working with a large national business, a small Bergen County company, a financial institution, a top U.S. insurance company or an individual, Harwood Lloyd follows a service-oriented philosophy, offering clients personal attention and the advantages of a large firm. We believe personalized service is the key to resolving our clients’ legal matters as expeditiously and economically as possible. Our clients appreciate this and often remark that our service compares very favorably with New York law firms. In 1975, Richard Ryan, the late Frank V. D. Lloyd, and the late Victor C. Harwood founded Harwood Lloyd. Today, our practice boasts an impeccable reputation and a team of more than 40 attorneys that can meet the increasing demand for high levels of sophistication in every segment of New Jersey and the metropolitan area’s expanding market. Headquartered in Hackensack, New Jersey, the firm has branch offices in New York City and Ridgewood, New Jersey. Continuing our tradition of offering both private individuals as well as businesses a broad base of services, our major practice areas now encompass five categories; and given the breadth of knowledge of our attorneys, there really isn’t any legal matter we can’t handle. We’ve grown and added new areas of practice but never lost sight of our mission: to provide high-quality legal service to our clients. A distinguishing factor in the success of Harwood Lloyd is our team approach. No matter how large the team working with a Harwood Lloyd client, one attorney is always assigned to act as lead counsel. A comfort level must be achieved between attorney and client in order to work closely and effectively. Providing a single point of contact enables our clients to access their team with one phone call. The result of this philosophy, organizational structure and gathering of talent is that Harwood Lloyd is now recognized as one of New Jersey’s premier law firms and has gained the respect of its peers throughout New Jersey. Our clients recommend us to their associates, friends and families; and we are determined to continue to expand our talents and to attract new clients that are making a home in the New York metropolitan area. Harwood Lloyd is proud of its association with Columbia Bank, both as legal counsel and as a customer, for nearly two decades. We wish Columbia Bank and its President and CEO, Thomas J. Kemly, much continued success in the future. ...... For more information, please visit our website www.harwoodlloyd.com www.harw odll yd.com 130Main Street Hackensack, NJ 07601 T (201) 487-1080 F (201) 487-4758 141Dayton Street Ridgewood, NJ 07450 T (201) 444-9280 F (201) 444-8409 112 Franklin Turnpike Waldwick, NJ 07463 T (201) 445-5115 F (201) 652-4530 225West 34th Street NewYork, NY10122 T (212) 268-5136 F (212) 324-1198