PROFESSIONAL BIOGRAPHY
OF
LORI KOPF MACWILLIAM

PRIMARY AREA OF PRACTICE

Ms. MacWilliam's primary practice areas are real estate, estate planning and estate administration, and general corporate matters.

REPRESENTATIVE EXPERIENCE

Real Estate. In the area of real estate Ms. MacWilliam has spent most of her career representing sellers, buyers, lenders, borrowers, landlords and tenants, in both commercial and residential transactions, in New Jersey, New York and Pennsylvania. She has represented institutional and private lenders with regard to secured and unsecured financing, disbursing proceeds of up to $175,000,000 in a single transaction. Representing lenders has also provided her with a special ability to represent the other party in a financing - the borrower - as they negotiate the complex financing process, and she has handled numerous financings on behalf of client borrowers. She actively maintains client relationships with several residential and commercial developers, representing them both on the acquisition of undeveloped lots, their financing arrangements, and then on the sale of their developed properties.

Residential real estate provides a special challenge to the attorney and the client, and Ms. MacWilliam has guided many new home-buyers through their first real estate investment. Her familiarity with residential real estate transactions has allowed many clients who are either buying or selling their homes or investment properties to place their transactions in the hands of Ms. MacWilliam and her staff with confidence.

Ms. MacWilliam provides services to both landlords and tenants, drafting and negotiating leases for commercial, office and retail premises.

Estate Planning. In the area of estate planning Ms. MacWilliam has experience in meeting with families and individuals to assess their estate needs, and, once those needs are determined, in the drafting of wills, and other estate planning documentation such as living wills, health care powers of attorney, and financial powers of attorney, to creating a full estate plan to provide tax savings, sheltered property and peace of mind for her clients.

Estate Administration. Assisting clients in estate administration is another area of expertise for Ms. MacWilliam. Guiding her clients through the estate administration process, from probate to asset collection and liquidation, through the preparation of federal and state estate and inheritance tax returns to the preparation of formal and informal accountings, Ms. MacWilliam is expert in either working together with the clients as they navigate these tasks or undertaking the entire process herself.

Corporate Law. In the area of corporate law Ms. MacWilliam has experience in small business planning resulting in the creation of new business entities, such as corporations, partnerships, limited liability company and limited liability partnerships, each based on the client's particular needs. She is also highly skilled at drafting routine and specialized business contracts and agreements allowing her clients to formalize their business arrangements and relationships.

EDUCATIONAL BACKGROUND

Lori MacWilliam graduated with a double major in English and Education in 1978 from Concordia College in Bronxville, New York with the highest grade point average in her graduating class. After becoming acquainted with the field of law as a trusts and estates paralegal, Ms. MacWilliam attended New York University School of Law, graduating in 1985. She was admitted to practice in the New York State Bar in 1986 and practiced law with several top-ranked New York City law firms, specializing in transactional real estate. In addition, Ms. MacWilliam provided pro bono services in corporate matters through the New York City based office of the Volunteer Lawyers for the Arts, Inc. When Ms. MacWilliam relocated to Clinton in 1991, she joined the firm of Gebhardt & Kiefer, and was admitted to the New Jersey State Bar in 1992 and the Pennsylvania Bar in 1991.

Ms. MacWilliam has lectured locally on estate planning and small business issues.

PROFESSIONAL AND COMMUNITY AFFILIATIONS

Ms. MacWilliam is a former member of the Alexandria Township Board of Education. Ms. MacWilliam is a member of the Hunterdon County Bar Association.