Alan G. Philibosian is a Partner in Harwood Lloyd’s Commercial Department, concentrating his practice in real estate lending, commercial leasing, acquisitions and dispositions of commercial and residential real estate, and land use and development. Mr. Philibosian has represented national and local community banks in connection with real estate loan transactions. Mr. Philibosian received his BA in History, with high honors from Rutgers College in 1975. He was also elected a member of Phi Beta Kappa in 1975. Mr. Philibosian received his JD from Boston College Law School in 1978 and LLM in Taxation from New York University in 1979. He served as a Commissioner for the Port Authority of New York and New Jersey from January 1995 through January 2003. While at the Port Authority he was Chairman of the Audit Committee, Chairman of the Construction Committee, Vice-Chairman of the Finance Committee and as a Member of the World Trade Center Sub-Committee and Special Sub-Committee on Security. During his tenure at Port Authority he also served on the Operations Committee, Capital Programs and Port Planning and the Business Opportunity Committee and Goals and Objectives Sub-Committee. Mr. Philibosian previously served as a Board Member of Mack Cali Realty Corporation (CLI), a national real estate investment trust, listed on the New York Stock Exchange from 1997 – 2019 (now known as Veris Residential). He served as a member of the Executive Compensation and Option Committee (of which he previously served as Chairman) and as a member of the Nominating and Corporate Governance Committee. He also served as counsel to the Haworth Planning Board from 2002-2008. Mr. Philibosian previously served as a member of the Board of Directors and currently serves on the Budget Finance, and Endowment Committees of the Armenian Missionary Association of America in Paramus, New Jersey, and as a member of the Board of Elders of the Armenian Presbyterian Church in Paramus New Jersey.

Robert L. Garibaldi, Jr. earned his Juris Doctor degree from Pace University Law School after graduating with honors in accounting from Saint Peter’s University with a Bachelor of Science degree. With over 30 years of expertise, Mr. Garibaldi specializes in corporate and transactional law, civil litigation, municipal law, commercial and residential real estate, estate planning, probate, and banking law. For 25 years, he served as the attorney for the Borough of Glen Rock in Bergen County, managing all aspects of municipal law. His legal practice focuses on business and corporate law, municipal law, litigation, wills and estates, and real estate. Mr. Garibaldi’s accounting background has enabled him to assist clients in preparing for their futures through effective estate planning. He also brings extensive experience in banking law, having served as Chairman of the Board, acting President, and CEO of Hamilton Savings Bank. Mr. Garibaldi is a member of the New Jersey Bar Association, the American Bar Association, and the New Jersey Institute of Municipal Attorneys. In addition to his legal career, Mr. Garibaldi spent several years in public service. He was the Vice-Chairman of the Fee Arbitration Committee for Bergen County and served for eight years on the Kinnelon Board of Education. He is also a founding member of the Kinnelon Education Foundation.