BEGIN:VCARD
X-LOTUS-CHARSET:windows-1252
VERSION:3.0
PRODID:-//Lotus Development Corporation//NONSGML Notes 7.0//EN
FN:James F. Higgins
N:Higgins;James;F.;Mr.;
ADR;TYPE=WORK:;;6 South Street\, Suite 202;Morristown;NJ;07960;
TEL;TYPE=WORK:973.540.9200 ext. 104
TEL;TYPE=WORK;TYPE=FAX:973.540.9295
EMAIL;TYPE=WORK;TYPE=PREF;TYPE=INTERNET:jhiggins@sesadvisors.com
TITLE:Principal
ORG:SES Advisors\, Inc. 
X-LOTUS-ADDL-NDX-NAMES:James F. Higgins;James Higgins
REV:20090616T234414Z
END:VCARD