Westchester County Business Journal 022216 by Westfair Business Journal

2 | LAST CHAPTER FEBRUARY 22, 2016 | VOL. 52, No. 8

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AN INNOVATOR IN UNDERWEAR READIES TO LAUNCH BY JOHN GOLDEN jgolden@westfairinc.com

“Who would have guessed I’d be doing this with underwear?” Susanne Leary Shoemaker remarked to a recent visitor to her home office. She stood flanked by manikins, one dressed in men’s cotton boxer shorts and another draped in a woman’s simple yet elegantly cut black swimsuit, in a corner aerie of her 19th-floor apartment in the Halstead New Rochelle overlooking the Long Island Sound and the city’s sprawling, wind-andrain-battered downtown. A pile of wraparound women’s and men’s briefs and boxers — among them, a camouflage-patterned prototype for female veterans living with disabling wounds from America’s last

decade and more of war — lay on the office carpet. A former art teacher at private schools in Westchester and editorial proofreader at The New Yorker, Shoemaker at midlife has become a business entrepreneur as the founder — and, for now, sole employee — of Undercare Inc. Her company soon will launch online marketing of specialty undergarments whose patented design and Velcro fasteners enable people whose mobility is impaired by age or disabilities and those recovering from surgeries or injuries to dress themselves. In March, she will travel to Washington, D.C., to compete with nine other female entrepreneurs from across the nation in the finals of the U.S Small Business Administration’s annual InnovateHER: Innovating for » UNDERWEAR, page 6

Susanne Shoemaker displays product prototypes for her startup business in her home office in New Rochelle. Photo by John Golden

New zoning proposed around Mount Vernon rail station BY BILL HELTZEL bheltzel@westfairinc.com

ity officials have unveiled an ambitious zoning plan that would transform a blighted area around the Mount Vernon West train station into a mix of modern residences and

retail stores, but left unanswered for now what would become of the low-income people who live there. More than 100 people crowded into Mount Vernon City Council chambers on Feb. 10 with opinions divided between those who are eager to see the dilapi-

dated area developed and those who worry that gentrification will force out the current residents. The 46-acre site is in the southwest section of the city, bordering Yonkers and the Bronx River Parkway on the west and the central business district to the east. Metro-North’s train station anchors the site, and it is the station that planners think can spur real estate development. The idea has been kicking around for 10 years, said Tarrytown land-use attorney Steven Silverberg, who represents the city council. Formal planning began two years ago, and

last month Cleary Consultants of Northport released the draft generic environmental impact statement that was the subject of the hearing. The plan uses transit-oriented development — a zoning concept that surrounds transit hubs with mixed-use residential and commercial buildings — to create a district that enables pedestrians to use public transportation more easily. “The train station is one of our biggest assets,” said Marcus Griffith, city council president. “People can get on the train, go to the greatest city in the world, work and then come back and

live in Mount Vernon. This is a big deal.” “What bothers me,” said a woman who has lived in the city for 30 years, “when you’re rezoning and building high rises, who can afford to live there?” The area around the train station is peppered with vacant and underused buildings. Light industrial companies that once thrived along MacQuesten Parkway have left and there is little hope of getting new ones, said Dwayne Brown, president of the Mount Vernon Chamber of Commerce. The proposed transit-oriented district has already attracted inter» MOUNT VERNON, page 6

Biz Lawyer and public servant finds Pace post most rewarding BY MARY SHUSTACK mshustack@westfairinc.com

hen others his age were exploring retirement, Stephen J. Friedman took on a new — and unexpected — challenge. “I spent most of my career as a lawyer and in government,” he said. “I was a partner in a large firm.” He paused. “Then I became a bornagain academic,” he said with a laugh. At age 66, Friedman became the dean of Pace University School of Law in White Plains in what would mark the start of a whole new career path. “It was interesting because I didn’t really think of myself as ‘an education person,’” he said, though he had worked with legaleducation entities and taught as an adjunct professor at Columbia Law School for about 10 years. Still, “I thought this is an area where I thought I could make a contribution,” though he hadn’t been looking for a new career. “I loved that job,” he said of his time as dean. He smiled and added, “I thought it was my last job.” Not quite, as he would find out three years later. “I basically became president overnight in the summer of 2007 and then I found myself on an even steeper learning curve.” It was a time of declining enrollment and other challenges at Pace. “I learned a lot — and fast — and I made a lot of changes. I changed almost the whole senior management group.” As the seventh president of the private institution founded in 1906, Friedman, who has homes in Manhattan and Pound Ridge, works out of an 18th-floor office at One Pace Plaza in the heart of the school’s lower Manhattan complex adjacent to the Brooklyn Bridge and City Hall. “Pace is engaged in a program of really massive renewal and change and rebirth, but we’re still rooted in our tradition,” he said. With campuses in New York City and Westchester County, Pace enrolls nearly 13,000 students in bachelor’s, master’s and doctoral programs in its College of Health Professions, Dyson College of Arts and Sciences (which includes Pace School of Performing Arts, launched in 2014), Lubin School of Business, School of Education, School of Law and Seidenberg School of Computer Science and Information Systems.

FEBRUARY 22, 2016

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A PROMOTER FOR PACE

FROM BROOKLYN TO BOARD ROOM Friedman, it seems, had a drive to succeed from his earliest days. A Brooklyn boy who would go on to receive a bachelor of arts degree magna cum laude in 1959 from the Woodrow Wilson School of Public and International Affairs at Princeton University, he earned his J.D. magna cum laude in 1962 from Harvard Law School, where he was an editor of the Harvard Law Review and winner of the Sears Prize.

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As president, Friedman oversees it all — working with the school’s board of directors — including master plans for both the New York City and Pleasantville campuses. Throughout, he said, his role is to help students “improve their prospects in life, give them a running start in their careers.”

Friedman will easily reel off facts and figures, discussing student population and faculty experience. He points to successes of specific programs, from advances in the physician’s assistant division to a new performing arts school that works with The Actors Studio. Pace, for example, was ranked in the top 15 percent for return on investment out of 1,500 colleges by PayScale.com. In 2014, the Pace team won first place at the National College Fed Challenge, an economics competition, ahead of schools including Princeton University and the University of Chicago. In addition, Pace’s master’s program in computer information technology was ranked number 9 among “Best Online Graduate Computer Information Technology Programs” by U.S. News & World Report. A conversation with Friedman also touched on topics ranging from technology and its applications in the classroom to landscaping on the Pleasantville campus to impressive student successes. “A high percentage of our students get very good jobs,” the Pace president said. “It’s incredible, exciting and gratifying to make that kind of contribution.” He also finds rewards in fundraising for the school, which he has been doing more often. “A lot of my private-sector friends would say ‘Ew. You’re going to spend a lot of time fundraising.’” Friedman loves it. “I meet so many interesting people,” he said.

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Publisher Dee DelBello Associate Publisher Anne Jordan Managing Editor Bob Rozycki Westchester County Bureau Chief John Golden Associate Creative Director Dan Viteri

NEWS Reporters • Reece Alvarez, Danielle Brody, Bill Heltzel, Mary Shustack Web Editor • Melissa Hebert Pace University President Stephen J. Friedman on the school’s Manhattan campus. Photo by Bob Rozycki

The career that followed had him moving between the practice of law and public service. Friedman came to Pace as a former senior partner and co-chairman of the corporate department of Debevoise & Plimpton. He had variously served as commissioner of the Securities and Exchange Commission, deputy assistant secretary for capital markets policy at the U.S. Treasury Department, executive vice president and general counsel of the Equitable Cos. Inc. and the E.F. Hutton Group Inc. and as law clerk for U.S. Supreme Court Justice William J. Brennan Jr. He wrote and lectured often on regulation of the securities markets and financial institutions Yet his post in academia has proven the most rewarding. “It’s a very challenging job, but it’s the best thing,” he said. “I’ve done a lot of things, and it’s really the most exciting, challenging and fun thing I’ve done.” He laughed. “Not every moment — but it’s great,” he said. Editor’s note: Friedman in January informed the Pace community that he will end his 10-year tenure as president when his current term ends in June 2017. This is an edited and abridged version of a pro�ile published in the February issue of WAG magazine, sister publication of the Business Journal.

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Westchester County Business Journal (USPS# 7100) is published Weekly, 52 times a year by Westfair Communications, Inc., 3 Westchester Park Drive, White Plains, NY 10604. Periodicals Postage rates paid at White Plains, NY, USA 10610. POSTMASTER: Send address changes to: Westchester County Business Journal: by Westfair Communications, Inc., 3 Westchester Park Drive, White Plains, NY 10604. Annual subscription $60; $2.50 per issue More than 40 percent of the Business Journal is printed on recycled newsprint. © 2015 Westfair Communications Inc. All rights reserved. Reproduction in whole or in part without written permission is prohibited.

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Family-owned Business Awards to honor 20 BY DANIELLE BRODY dbrody@westfairinc.com

or the third year, Westfair Communications is recognizing outstanding family-owned businesses in Westchester and Fairfield counties. The 20 winners, chosen by a panel of judges, will be celebrated at a formal event Feb. 25 at 1133 Westchester Ave. in White Plains. The event includes networking with hors d’oeuvres and spirits, entertainment and an award ceremony opened by two different types of family-owned businesses. Michael Harney, vice president and tea taster at Harney & Sons Teas, headquartered in Millerton, will speak about his experience working at his family-owned business. Bryan Mellick, the president and CEO of Norwalk-based Hatch & Bailey Co., a lumberyard with a second location in Stamford, will offer the perspective of a non relative at the top level of a familyowned business. The event sponsors include gold sponsor, Entergy; silver sponsor, Sterling National Bank; and bronze sponsors, Ben’s Deli, Citrin Cooperman and Indeed. Supporters include Buzz Creators, The Bristal Assisted Living, Val’s Putnam Wines & Liquors, New York Life Insurance Co. and A.G. Williams Painting Co., a 2015 winner. The winners are:

Fair�ield County ABERCROMBIE, BURNS, MCKIERNAN & CO. INSURANCE INC. is a full-service, independent insurance agency offering personal, business, life and health insurance services on both a local and national level. Owner Thomas McKiernan was joined by sons Christopher and Kevin in 1992 and Patrick in 2004. A-QUICK PICK CRANE SERVICE was founded in 1984 by brothers George and Bill Schrade. The company provides crane-with-operator and rigging service to Connecticut, Massachusetts and Westchester, Putnam and Dutchess counties and can deliver a bare rental crane anywhere on the East Coast. George’s wife, two sons and daughter have all joined the company. AGABHUMI, founded by Regina and Michael Kirshbaum in 2002, is a store with locations in Stamford and the Bahamas that sells clothing, jewelry and accessories from Bali. BOSAK FUNERAL HOME, founded in 1919, is now managed by the fourth generation of the family, Gerald Bosak Jr., and his wife, Kristella. The business also includes

Bosak Monuments, a division focused on the design and creation of cemetery and civic monuments and a consulting arm focused on family-owned and operated homes. CORNERSTONE CONTRACTING, founded in 1992, is a third-generation construction company enthusiastic about its projects, selective about those undertaken and committed to providing the personnel, service and technology to ensure success. GERARD B. TRACY ASSOCIATES INC. is a privately owned insurance brokerage and advisory firm. Gerard Tracy, who was later joined by his son Tim Tracy Sr. in 1975, founded the firm in 1948. Tim Tracy Sr. is the company’s current CEO. Tim’s daughter, Sheena Tracy, and Tim Tracy Jr. joined the firm in 2005 and 2006, respectively. LA JOLIE SALON & SPA was founded in Greenwich in 1960 by Anthony and Lydia Lupinacci. Their daughters, Ann Lupinacci and Cheryl Van Voorhies, are now coowners, responsible for doubling sales and staff and expanding the space. MELI MELO/BISTRO V is a second-generation family business dedicated to providing high-quality food in a casual setting at Méli-Mélo Crêperie, Juice Bar & Catering and Bistro V (formerly Versailles). UNITED HOUSE WRECKING INC . was established in 1954 by three brothers and a brother-in-law as a demolition company. The company evolved into a “salvage business” with a 43,000-square-foot design center and showroom in Stamford. U.S. CHEMICALS LLC was founded in 1960 by Howard T. Von Oehsen with a goal of offering high-quality chemical products at worldwide pricing with unparalleled customer service. Today, Howard’s daughter, Carol Piccaro, is the president and CEO. Piccaro’s children have recently joined the company board of trustees.

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Westchester County BLOSSOM FLOWER SHOPS is a 90-yearold business with locations in White Plains and Yonkers. Four generations have been involved in the business and they attribute their success to adopting technology early, offering the latest designs and extraordinary customer service. FEA HOMES, a company specializing in antiques and one-of-a-kind works of art from the Far East and South East Asia, is one of the Rose family’s three companies based in Yonkers. The Roses, made up of Randolph and Ellen and their three sons, are passionate about revitalizing Yonkers through their businesses.

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Columnist sees liberal arts as path to purpose BY BILL HELTZEL bheltzel@westfairinc.com

rue happiness is built on a life of commitment, meaning and purpose, the writer David Brooks told an assembly at Manhattanville College on Feb. 16, and liberal arts colleges play a vital role in teaching young people how to cultivate these higher virtues. Brooks, an op-ed columnist for The New York Times, discussed “The Road to Character,” his most recent book that explains how selflessness leads to a greater success. He recounted a joyous moment on a perfect summer day when he watched his three children playing in their backyard. He felt overwhelmed with gratitude. He reflected on people he has met who radiate an inner light and seem deeply good. But he wondered, despite his career successes, whether he had achieved a worthy spirit.

“I wrote this book to save my own soul,” he has written. “I wrote it because I want to have moral adventures that will end up making me deeper and better” and to “help people better understand their own inner lives, their own moral adventures and their own roads to character.” He described two sets of values that motivate people. The “résumé virtues” comprise the skills that lead to successful careers. They are built on external achievements. The “eulogy virtues” are those marks of character that are talked about at funerals — courage, honesty, faithfulness and deep love. People instinctively understand that eulogy virtues are more important than résumé virtues. But the world rewards career achievements more than deep character. Brooks discovered that people with great inner character have identified their greatest sins and then struggled for their entire lives

to overcome their sins. They make “amazing commitments,” built on strong relationships and unconditional love. He cited the life of Dorothy Day, the 20th Century social activist. Day lived a dissolute life as a young woman: drinking, carousing and following her desires. But the birth of her daughter recentered her life on others. She made great commitments. She became a Catholic, started a radical newspaper, opened settlement houses for the poor and built strong communities. The worst advice that students get, he said, is to follow their passions. They don’t know what to be passionate about. Instead, he urged students to look outside of themselves to problems that need to be solved. Liberal arts colleges like Manhattanville can guide them to that life by training their minds, bodies, souls and hearts. “The job of colleges, especially the liberal

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arts, is to teach them how to love better.” He described six great tasks. • One, students should study great literature and art, to educate their emotions. • Two, they should be exposed to the beauty of great people and ideas. • Three, they should study “exemplars of excellence,” the heroic people who have lived lives of purpose and who hold themselves to higher standards. • Four, they should learn how to see the world clearly, especially the moral truths that are lost in the messiness of the world. • Five, they should learn the discipline of a craft. • Six, they should participate in a community they care about. By educating their hearts, he said, students can develop deep commitments and achieve the highest form of happiness. As a New York Times columnist who writes about politics and culture, and as a commentator on “PBS NewsHour,” NPR’s “All Things Considered,” and NBC’s “Meet the Press,” it was inevitable that he would be asked to comment on politics and the 2016 primary season during the question and answer period. Brooks describes himself as a former liberal who came to his senses and became a conservative. But his is a conservatism that does not automatically support Republican candidates or dogma. He sees himself as part of the longstanding conservative tradition of 18th century Irish political theorist Edmund Burke and Alexander Hamilton. Thus, his columns sometimes delight liberals, as in a recent piece in which he said he misses Barack Obama in the 2016 primary season. Though he disagrees with a lot of the president’s policy decisions, he admires Obama’s integrity, humanity, sound decision-making, grace under pressure and resilient optimism. Donald Trump, he said, is an amazing performer who has brought the ethics of professional wrestling to politics. He’s all about “macho aggression.” He said members of Congress are much better people in private than in public, but they are unable to compromise because the political system won’t let them keep their positions if they do so. Yet, a commitment to public life is still the surest way to get big things done. Brook’s talk was the first in this season’s Castle Conversations at Manhattanville. Also scheduled to speak this year are Steve Wozniak, co-founder of Apple Computer, April 5; Twyla Tharp, winner of a Tony and two Emmy awards for her choreography with her dance company, Sept. 20; and Danny Meyer, head of Union Square Hospitality Group, which has won 25 James Beard Awards for its restaurants and chefs, Nov. 29. Individual talks cost $75, and more information about tickets can be found at CastleConversations.org.

nostics and develop better prevention strategies,” Debra Bessen, NYMC professor of microbiology and immunology, said in a press release.

INBRIEF

BANC NAMED PHELPS MEDICAL DIRECTOR

NIH GRANTS $502,000 TO NYMC New York Medical College (NYMC) in Valhalla has been awarded $502,000 in federal grants to study chronic fatigue syndrome and the strep bacterium. Adolescents and young adults with chronic fatigue syndrome sometimes are unable to stand for long periods and they are prone to a fast heart rate, drop in blood pressure and fainting. The National Institutes of Health awarded NYMC a $246,000 grant to test the effectiveness of an oral rehydration solution to reverse these symptoms. Researchers hope to find a simple and safe way to minimize the symptoms and improve patients’ quality of life, Marvin Medow, NYMC professor of pediatrics, said in a press release. The common streptococcus bacterium causes more than 700 million infections a year worldwide, ranging from mild cases of strep throat to life-threatening diseases such as rheumatic fever. A $256,939 NIH grant will allow researchers to explore how the strep bacterium causes serious illness. “We hope to ultimately improve diag-

Tobe Banc has been promoted to the position of vice president and medical director at Phelps Memorial Hospital Center in Sleepy Hollow, hospital officials announced on Feb. 16. The Briarcliff Manor resident has served as assistant medical director at the 238-bed community hospital since 2007. In her new role, she oversees all clinical activities and patient care policies and is involved in the strategic development and implementation of programs related to clinical services. Banc, who is board-certified in internal medicine with an added qualification in geriatrics, joined the Phelps medical staff in 2004 and one year later was appointed medical director at Kendal on Hudson, the continuing care retirement community on the Phelps campus. She became a full-time employed physician at Phelps in 2007, when she also took over as director of the Senior Health and Internal Medicine practice of Phelps Medical Associates. She is a graduate of the New York University School of Medicine and complet-

ed a residency in internal medicine at the University of Connecticut, followed by a twoyear fellowship in geriatrics at Mount Sinai Hospital in New York City, where she became an attending physician. Banc later served as director of palliative care education at the Geriatric Research, Education and Clinical Center at the Bronx VA Medical Center.

UNITED WAY HELPLINE MARKS DECADE United Way recently marked the 10th anniversary of its 2-1-1 Hudson Valley Call Center with the launch of a campaign to make the information and referral helpline serving residents of seven counties a 24-hour service. At a ceremony at United Way of Westchester and Putnam headquarters in White Plains, agency leaders called on government officials to pledge to promote the 2-1-1 helpline by posting links on their websites to the call center web page, finding ways to share information with their residents and creating personal videos to post on social media using the #UW211. Alana Sweeny, president and CEO of United Way of Westchester and Putnam, said specialists at the White Plains call center since its opening in 2005 have helped nearly 400,000 callers on matters including food assistance, elder care, housing and shelters, utilities, abuse prevention, suicide, recycling regulations, foster parenting, veteran services and medical assistance.

The 2-1-1 line has served as an emergency line through several natural disasters in the region in the last decade, taking more than 28,000 calls in the aftermath of Hurricane Sandy alone. Westchester County Executive Robert P. Astorino said the Hudson Valley 2-1-1- Call Center “helps thousands of families and individuals connect with the services they need. They’re the ones to call before a situation becomes a crisis.”

MWBE EVENT AT MERCY COLLEGE Armonk construction company C.W. Brown/ LeChase will hold a networking event for women and minority businesses at Mercy College on Feb. 29. The free program will explain how women and minority contractors can do business with the construction company and Westchester County. Company executives and speakers from the Westchester County Office of Economic Development, the Office of Minority Women-Owned Business Enterprise and the county executive’s office will make presentations. The program will be held from 8 to 11 a.m. at Main Hall Building, Lecture Hall, on the Dobbs Ferry campus, 555 Broadway. To register, call or email Ross Weiner, 914-995-2945, Rweiner@westchestergov.com. — John Golden and Bill Heltzel

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FEBRUARY 22, 2016

Underwear — From page 1

Women Business Challenge. Microsoft, the SBA’s competition partner, will put up $70,000 in prize money for the top three award-winners. The first-place prize of $40,000 represents about 10 percent of Shoemaker’s startup costs in the five years since she formed her company as a subchapter S corporation. What would become her certified womanowned business in 2011 began a few years earlier in moments of observation and empathetic inspiration at the YMCA in White Plains, where Shoemaker, a former longtime Bronxville resident, regularly swam. She found herself in the locker-room company of a group of elderly women in an arthritis aquatics class. After their swim, she watched the spirited women struggle with a long pincher-tipped pole to pull on their clothes. Impaired by arthritic limbs and an unwieldy tool, “They would sit there for 20 minutes dressing themselves and trying to be independent,” she said. “I was struck by their desire to be independent and self-dressing.” “I started trying to spatially figure out” a better solution to the daily task of dressing with impaired mobility. Drawing on her past training in the bones and musculature of the human figure at rest and in motion when studying for her master’s degree at New York Academy of Art, she sketched out her ideas. She developed a basic design that would enable a standing person to put on underwear without balancing on one leg or bending at the knee or hip. To her family and friends, Shoemaker had

Mount Vernon — From page 1

est by a major developer. MacQuesten Development LLC of Pelham is working on financing for a $70 million, residential and retail building next to the train station according to Joseph Apicella, the company’s managing director of development. MacQuesten wants to erect a 20-story building with 205 housing units and 4,626 square feet of retail space. The company already owns a 0.75-acre site and is cleaning it up, including removal of contaminated soil and underground storage tanks. “This will be the most spectacular building the city has ever seen,” he said in a telephone interview. “This is an extraordinary site, literally at the foot of the train station. … We’re making the backdoor of Mount Vernon the front door.” He said MacQuesten could break ground later this year, if the proposed zoning is adopted, and put up the building in 18 to 24 months. Silverberg described the current land use as incoherent. The goal is to attract high quality development. Older, dilapidated build-

FEBRUARY 22, 2016

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often shown an inventive mind. A recent example? Finding her eyesight dimming in middle age, she conceived the idea of a nose clasp with attached magnifying glass to aid women applying their cosmetics. But like her other inventive concepts, her dignity-restoring specialty underwear might have remained on the drawing board without encouragement and a challenge from family members. “My children said, ‘Mom, you always have these good ideas but you don’t do anything about them,’” she recalled. It was a spur to action. About five years ago, she reconnected with a client at her husband’s New York City law firm, Dal LaMagna, the founder of Tweezerman, a beauty tool manufacturer, who had recently published “Raising Eyebrows: A Failed Entrepreneur Finally Gets It Right.” LaMagna became the aspiring entrepreneur’s first business adviser, guiding Shoemaker through the formation of her company and continuing to this day as a valued mentor. The Westchester resident also turned closer to home for assistance. With a limited background in business, “I availed myself of all the free and available entrepreneurial assistance, much of it centered on women,” she said. In 2011, she completed the Women’s Enterprise Development Center’s 15-week entrepreneurship training class. The business plan she developed there won her WEDC’s $5,000 Lanza Award in 2012. “WEDC has been amazing,” said Shoemaker, who followed her group instruction with individual counseling at the nonprofit in White Plains. Shoemaker also sought guidance from The Acceleration Project in Scarsdale, a non-

profit that provides professional women to assist small businesses with strategy, research and training. And WEDC put her in touch with IBM’s mentorship program in Purchase. She has worked with the Procurement and Technical Assistance Center in Westchester and Rockland counties, an agency that guides small businesses in procuring government contracts of the kind that Shoemaker aims to obtain to supply Veterans Affairs hospitals with underwear for their combat-injured patients, and the state Small Business Development Center at Rockland Community College. She has also tapped the startup consulting services offered by the Westchester chapter of SCORE, where a retired garment industry executive has been especially helpful as she navigated Manhattan’s Fashion District and the world of lingerie designers, fit models and fabric suppliers. “They’ve been really great, pushing me to get launched,” she said of her SCORE advisers. “All these are really the equivalent of getting an MBA, I think,” said Shoemaker. Having developed a prototype women’s’ panty, Shoemaker in 2011 visited the Manhattan office of Kenyon and Kenyon, a white-shoe intellectual property law firm. “I walk through the door and I have this handsewn underwear and a hand-drawn design,” she said. “That was my fear, that they would think this is a ridiculous idea.” The firm’s patent and trademark attorneys instead thought she had a marketable product and agreed to represent her. In 2013, Shoemaker obtained her first design patent for her specialty undergarments. “That was very exciting to get the patent,” she said. There have been setbacks in finding a reli-

able manufacturer for her product line. Work done in China was shoddy and botched. “You just learn from your experience,” she said. After her China experiment, “I’m committed to manufacturing in the U.S.A., so I’ve done a lot of traveling around the South visiting factories.” She has found a production partner at Industries of the Blind in Greensboro, N.C. “It’s very important to have quality control. That’s’ why it’s easier to do it in the U.S. than to do it in China,” she said. Undercare’s founder said her primary target market is “the senior demographic. If you look at the numbers, the age-wave tsunami is upon us” with the Baby Boomer population. Computer-savvy, those seniors increasingly are online shoppers and demand quality and comfort in their purchases. “There’s going to be a severe shortage of caregivers too with the age-wave tsunami,” she said. “So anything you can do to lighten that load is important.” Her wraparound undergarments will free caregivers from that dressing task while bringing a measure of “dignity and independence” to those impaired by age and infirmities. “Right now I’m a whisper away from being in production,” Shoemaker said. Her first line of women’s’ and men’s’ underwear will be available in March on her company website, undercare.com. Among retailers, Nordstrom has shown interest in her products; Shoemaker said she hopes to do an online trial with the fashion retailer with “a soft rollout” in its stores. “I’m also going after surgical pharmacies,” she said. “The ideas are great,” said Undercare’s founder. “But it is 99 percent sweat. You have to be tenacious.”

ings would be replaced by modern mixeduse buildings and taller buildings would be allowed near the train station, he said. The city would improve the infrastructure and generally clean up the area and the train station would be renovated. Property owners would be encouraged to fix up their properties. The project site has 247 parcels and five zoning categories for industry, commercial business, neighborhood business and residences. They would be replaced by one special zoning category that incorporates the existing uses. Cleary’s DGEIS report projects that 3,153 residential units worth $757 million could be built, increasing the population by about 8,000. It foresees $76 million in new retail activity, with an estimated 263,700 square feet of commercial space worth $40 million. New retailers could create as many as 677 permanent jobs, according to the report, and contractors could add another 3,641 temporary construction jobs. Metro-North could add nearly 1,500 riders during the morning and evening peak hours. Development could generate $38 million in real estate taxes and $3.5 million in sales

taxes annually, according to the report. The city would have to spend more money on services and improvements, for an estimated 16 police officers and 13 firefighters; better water, sewer and storm water lines; and road repairs. Developers could be required to pay for some of the infrastructure work, Silverberg said, and new tax revenue would probably cover the costs. The school district, for instance, might have to educate 394 new students, at a cost of $4.9 million a year. But real estate taxes would increase by an estimated $24.3 million, yielding a $19.4 million surplus, he said. “There’s a lot of blight there,” Brown of the chamber of commerce said in a telephone interview. “This is a good step in the right direction.” He commented at the public hearing that storefronts on Mount Vernon Avenue, in the center of the proposed rezoning district, present the city poorly. “At 10 a.m. it looks like 10 p.m. The gates are all down.” But Thomas Keller, who lives in the northeast section of the city near the high school, doesn’t want to see the “Manhattanization of

Mount Vernon.” He said the city should work at attracting more jobs, not more people. Light industry and warehousing would not require extra city services, he said, and the jobs pay higher wages than retail. Another resident urged the council to make sure that contractors hire more minority workers. Rey Hollingsworth Falu, a real estate broker, said, “Let’s not just enrich developers. Let’s enrich the community.” The public hearing was not meant to answer questions, but to register concerns about the proposed project. The hearing was adjourned until Feb. 24 for more comments. Then there will be a 10-day comment period. Consultants will review the comments, revise the environmental impact report and turn the report over to city council for its review. If all goes well, Silverberg said, council members could vote on a new zoning law by early summer. The study can be found at: http://cmvny. com/2016/01/11/mount-vernon-west-dgeisavailable-for-review/ Click on Mount Vernon West DGEIS.

Portrait by renowned illustrator Joseph Adolphe.

Wilmington trust renoWned insight

“is your portfolio poised to prosper in the decade ahead?”

tony m. roth M.A., J.D., LL.M. (Tax) chief investment officer Tony brings his extensive knowledge and more than 20 years of experience to bear on client portfolios each and every day. He is responsible for strategic direction and providing quality risk management and comprehensive investment solutions. He is part of a seasoned team of professionals who exemplify Wilmington Trust’s 112-year heritage of successfully advising clients. For access to knowledgeable professionals like tony and the rest of our team, contact larry gore at 212-415-0547.

At Wilmington Trust, our team has analyzed markets and economies through one-year and decade-long lenses. In our Capital Markets Forecast, we examine three trends we see developing, and explore how obstacles can also point to a raft of comparatively robust investment opportunities. Where are we now? Short term, we see a continuation of the United States’ economic leadership, with employment, wage, spending, and business investment growth all promising. Still, bloated debt levels and easing growth weigh heavily, and we expect another recession within the next five years. We envision it as shallower than the recent post-crisis downturn with, hopefully, a quicker recovery. Demographics is destiny. Long term, we expect the tables to turn, and we see the world’s leading economy at risk of becoming overdeveloped. Root causes include structural decelerations or even declines in key long-term determinants of growth, such as labor force growth, capital investment, and productivity expansion. Over the next 10 years, we expect labor force growth to continue the trend of deceleration, due

to slowing population growth, the aging of the existing labor force, and reduced labor force participation. our Projection oF a

2.25% groWth oF the u.s. economy Will decline With sloWs in laBor Force groWth

Other trends on the horizon. We see income likely to reign supreme as investor focus shifts from capital appreciation to interest and dividend income. We also see nontraditional income sources becoming more relevant. The reemergence of emerging markets is projected, with new economy stocks gradually achieving greater prominence as old-economy stocks give way. For more of our insights on the coming year and beyond – and for the guidance our clients welcome to help sidestep obstacles and pursue opportunities – download our annual Capital Markets Forecast at wilmingtontrust.com/CMF.

F i d u c i a r y s e r v i c e s | W e a lt h P l a n n i n g | i n v e s t m e n t m a n a g e m e n t | P r i vat e B a n k i n g

This article is for informational purposes only and is not intended as an offer or solicitation for the sale of any financial product or service. This article is not designed or intended to provide financial, tax, legal, accounting, or other professional advice since such advice always requires consideration of individual circumstances. If professional advice is needed, the services of your professional advisor should be sought. The Capital Markets Forecast reflects the informed opinion of Wilmington Trust and is subject to a range of assumptions, which are subject to various risks and uncertainties. No assurance can be given as to actual future market results. Private Banking is the marketing name for an offering of M&T Bank deposit and loan products and services. Investments: • Are NOT FDIC-Insured • Have NO Bank Guarantee • May Lose Value Wilmington Trust is a registered service mark. Wilmington Trust Corporation is a wholly owned subsidiary of M&T Bank Corporation (M&T). Investment management and fiduciary services are provided by Wilmington Trust Company, operating in Delaware only, and Wilmington Trust, N.A., a national bank. Loans, retail and business deposits, and other personal and business banking services and products are offered by M&T Bank, member FDIC. Wilmington Trust Investment Advisors, Inc., a subsidiary of M&T Bank, is a SEC-registered investment advisor providing investment management services to Wilmington Trust and M&T affiliates and clients. ©2016 Wilmington Trust Corporation and its affiliates. All rights reserved.

WCBJ | HV Biz Westchester Business Journal/ Fairfield Cty. Business Journal /10”w x 11.5”h

FEBRUARY 22, 2016

Cuomo calls on feds to block Key Bank buy of First Niagara

ov. Andrew Cuomo called on federal officials to block KeyCorp’s pending acquisition of First Niagara Financial Group Inc. because it would reduce retail banking competition in the upstate region, limit consumer access to banking services and result in the loss of thousands of bank jobs. Cuomo in a Feb. 10 letter threatened to take the state’s case to the courts if federal officials do not block the approximately

$4.1 billion deal announced last October by KeyCorp, Key Bank’s parent company in Cleveland, and First Niagara, headquartered in Buffalo. The deal is expected to close in the third quarter this year. Bank officials said the combined bank would have approximately $135 billion of assets, making it the 13th largest commercial bank based in the U.S. The company would have approximately $99.8 billion in deposits, $83.6 billion in loans and 1,366 branches

serving 3 million customers in 15 states. Cuomo, in a letter addressed to the U.S. Justice Department’s antitrust division chief and top attorneys at the Federal Reserve Board and Office of the Comptroller of the Currency, said the deal would limit consumer access to upstate banks to “an unacceptably low level.” The consolidation is expected to result in thousands of job cuts at the corporate and branch levels, “with little hope those individuals will find alternative work in the retail banking field due to the oversaturated market conditions,” he wrote. Applying a mathematical formula used by federal officials to evaluate the anti-competitive effect of a proposed acquisition, the governor said the merger of First Niagara into Key Bank would create a highly concentrated marketplace well above the level that raises antitrust concerns in Washington. Key Bank would end up with approximately onethird of the total bank deposits in the Buffalo area, he said.

Awards — From page 3

HOULIHAN-PARNES REALTORS LLC, has always been family owned and operated and is celebrating its 125th year of continuous operation. The firm evolved from a carpentry and construction business into property ownership and development and related commercial service businesses. Several members of the fifth generation of the Houlihan family have worked at Houlihan-Parnes Realtors over the last few years. MARKHOFF & MITTMAN P.C., THE DISABILITY GUYS has been enabling injured workers to return to productive lives since 1933. The third-generation law firm has been helping New Yorkers for almost as long as the work injury laws have been on the books.

MOUNT KISCO TRUCK AND AUTO PARTS was founded in 1916 by Joseph Finkelstein, who started Millers Auto Parts in Manhattan with his brother-in-law. Elliot, Joseph’s son, operated the Mount Kisco location and today his sons, Steven and Peter, run the business. NEW CRYSTAL RESTORATION, established in 1960, is the first and oldest property damage restoration company in Westchester County. New Crystal Restoration is a multigenerational familyowned business that has helped thou-

FEBRUARY 22, 2016

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By further limiting upstate residents’ access to financial services and products offered by banks, the deal “will likely push consumers to rely on non-bank alternatives, such as payday loans and check-cashing, which come with higher consumer transaction costs,” Cuomo said. If the banks’ acquisition application is not blocked, the state “will be forced to consider legal redress with the courts to protect the rights of New York’s upstate residents,” Cuomo wrote. In the metropolitan area, First Niagara Bank operates branches in Westchester and Rockland counties and Fairfield County, Conn. The company in 2014 relocated its tristate regional headquarters from Nyack to Tarrytown. Key Bank operates branches in Westchester and throughout the Hudson Valley. The company in 2013 relocated its Hudson Valley/Metro New York district headquarters from West Nyack to Tarrytown. — Bill Heltzel

sands of property owners faced with damages caused by fire, water and mold. THALLE INDUSTRIES, a fourth-generation business, is an environmentally responsible supplier of high-quality virgin and recycled aggregate, asphalt products and brownfield fill for the construction industry serving the New York metro area and Hudson Valley. TOMPKINS EXCAVATING is a womanowned and family-operated residential and commercial excavation/landscape construction company. Stacey Tompkins joined the company in 1991 and became the president and owner in February 2013. She works alongside her husband, Mark Tompkins, the vice president of operations and their three teenage sons. VALERIE WILSON TRAVEL , headquartered in New York City with an office in Purchase, is one of the largest private women-owned, debt-free and family managed travel-consulting firms in the United States. Valerie Wilson co-owns the company with her two daughters, Jennifer WilsonButtigieg and Kimberly Wilson Wetty who serve as co-presidents. WHITE PLAINS LINEN has been dressing the tristate area’s finest tables in restaurants and at events since 1938. President Bruce Botchman, whose great grandfather founded the company, says, “Every member of my team is part of my extended family.”

Employees made stock owners at Patriot Bank BY REECE ALVAREZ ralvarez@westfairinc.com

atriot Bank, a regional bank operating 10 branches in New York and Connecticut, has awarded each of its employees 100 shares of stock in an incentive program to align the personal and financial interests of employees and the company. At the bank’s two Westchester County branches in Bedford and Scarsdale and eight Connecticut branches in Fairfield County and New Haven County, a total of 95 employees received the shares of stock. At the time of the award, the stock had a total value of about $142,500 at about $15 per share. “I think it has invigorated everybody,” said Patriot Bank President and CEO Kenneth Neilson in Stamford. “Everybody feels more responsible. People are energized — they feel good about the company they work for.” “Now when Patriot Bank customers come into one of their branches for either service or guidance, they will receive financial advice from employees who are stockholders in their local community bank and are really incentivized to exceed their customer’s expectations,” Neilson said. “I don’t know of any other banks that have done this.” The stock award was also an expression of thanks from the company’s management team and board of directors for past success, Neilson said. Christopher Johnson, Connecticut regional vice president for Patriot Bank, said he has never seen a bank roll out this kind of incentive program in his more than 30 years in the banking industry. “To be a stakeholder in a company that shows their faith in their employees, what can be better?” he said. “Our slogan is ‘show by doing’ and they nailed it.” “Talk about empowerment,” Johnson added. “Hey, here is a piece of the steering wheel; you are part of what is driving this company.” Andrew Fairchild, vice president and manager of the Patriot Bank branch in Bedford, said it was “an amazing feeling to be acknowledged and compensated at the same time. The best part is my daily efforts will help the company succeed financially, which in turn will help me. Patriot is building a long-term roadmap for the future by making sure our teammates — the foundation of the company— are on board and on track.”

Patriot Bank manages approximately $623.9 million in assets with $421.2 million in deposits, according to Neilson. Last fall, investment banking and advisory firm Sandler O’Neill + Partners named Patriot one of the nation’s top-performing small-cap banks. It was the only bank in New England to receive the designation among 435 publicly traded banks and

thrifts evaluated across the U.S. Neilson said there are no plans to increase stock allotments and newly hired employees are not included in the ownership program. However, “If the incentive program works the way we believe it will work, it will probably make sense for us to do more of this in the future.”

Patriot Bank president and CEO Kenneth Neilson announces the company’s stock incentive plan to employees.

The New Name In Local Banking New Name, New Locations, Growing To Serve You Better. “For over 140 years, PCSB Bank has been dedicated to our communities with a unique and personal mission to provide the best banking service, knowing that only a local bank can best meet the specific needs of a community. I am proud to say we are growing, and that commitment is stronger than ever, including the addition of several more branches to serve you. We remain honored to be the area’s one and only true local bank.” Joseph Roberto Chairman, President & CEO

Serving Putnam, Dutchess, Westchester and Rockland Counties Since 1871. PCSB.com

914-248-7272 WCBJ | HV Biz

FEBRUARY 22, 2016

ASK ANDI

BY ANDI GRAY

Staying on top of projects requires communication and accountability We found out projects that we thought were done, weren’t. Other projects weren’t done profitably. How do we get control? THOUGHTS OF THE DAY: Build tools to track your work. Use checks and balances. Hold a weekly project review meeting. Formally hand off every job at the beginning and at the end. Make profitability an accountability with teeth. Build a standard job summary form. Include job title, customer name and contact, who sold it, date received in-house, date due, amount budgeted, who’s in charge, who else is assigned to work the job and an overall description. Make a binder for each job. Make the job summary the cover page. Build a standard checklist of job stages by going through the last six months of work. Include initial handoff from sales to operations, assigning tasks, progress reviews/phase completions, roll out to customer, confirm customer satisfaction, invoice and collect payment. Match the budget to job stages. If both materials and labor are needed on a job, break out the budget for both categories. As the job unfolds ensure everyone under-

FEBRUARY 22, 2016

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stands how much of the budget is used and how much is still available. Include a reserve for things going wrong and a budget for profit. It’s hard to keep an eye on how things are going overall when you’re in the trenches dealing with details. Separate the tasks. Assign responsibility for keeping track of all jobs. Keep a chart up on the wall, where everyone can see it. Show every job inhouse, including those yet to start and those waiting for customer approval. Assign someone, not in operations, to report on quality. Have that person report to the top of the organization. Give authority to gather customer feedback and marshal resources when needed to get things fixed. Make it clear you don’t want problems glossed over. Encourage open and robust discussion about what works and what doesn’t. Failure is inevitable and OK, so long as people learn from their mistakes and fix the problems. Assign someone to periodically review all jobs and look for themes — jobs completed on time, jobs that had problems, jobs that were in budget and jobs that broke the bank. Search for insights on what work is most and least profitable, which teams are succeeding or struggling. Include managers and staff in weekly

project review meetings. Relay top-line information. Review the scheduling chart. Hold follow-up meetings to get into details. Avoid the temptation to try to resolve everything at once in the main weekly review. Stick to a timetable. Meetings that go over can waste time and disrupt plans. Use email to gather updates and identify needs. Have a quick daily update meeting with top managers. Ensure problems get addressed before they get out of hand. Fix issues that can blow the schedule, harm quality or eat into profitability. Before starting a job, get sales and operations together to discuss what has been sold. Make sure everyone in operations signs off and takes ownership. Once operations takes over, they own the problem. If there are concerns about what was sold, get that out on the table before starting work. Make sales go back to the customer to renegotiate before investing a significant amount of time and effort in the project. Focus everyone on the same set of goals: a job well done, a happy customer, company profitability. Set measurable goals for every job to drive this home. Measures of a job well done can include how smoothly the job went, how many things had to be re-done, how close

to schedule each phase was. Customer happiness can be rated through a follow-up phone call to the customer: how well did the job meet the customer’s expectations, was it received on time? Involve finance in profitability questions: was the job within budget, how legitimate were excess charges, did the customer accept and pay for upcharges? Use a 4-point scale to rate each question. Anything less than a 3 should be closely examined for learning opportunities. Make it clear that top scores matter by including them as part of the review process and bonus calculations. Avoid debate and finger-pointing by assigning ownership: sales, operations or finance. Consider an overall bonus for everyone when things go right all around. Looking for a good book? Try “How the Way We Talk Can Change the Way We Work” by Robert Kegan and Lisa Laskow Lahey. Andi Gray is president of Strate�y Leaders Inc., Strate�yLeaders.com, a business- consulting �irm that teaches companies how to double revenue and triple pro�its in repetitive growth cycles. For a free consultation and diagnostics, call 877-238-3535 or email AskAndi@Strate�yLeaders.com.

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FEBRUARY 22, 2016

THELIST: POWER SOLUTIONS

WESTCHESTER COUNTY

ENERGY COMPANIES

WESTCHESTER COUNTY

Listed alphabetically. Name Address Area code: 914, unless otherwise noted Website

President/ top local executive Title Year founded

Bright Energy Services

Peter Arbeeny President and CEO 2011

Environmental-consulting firm focused on energy efficiency and sustainability, government and utility incentives

BrightHOME Energy Solutions

Nick Ricciardelli New York general manager 2009

Energy-reduction services, including home-energy audit, air sealing, insulation, heating and cooling, windows and doors, appliances and lighting

Climate Change & Environmental Services LLC

Marc Karell Principal 2009

Corporate sustainability/green programs, carbon footprint, emission-reduction strategies, energy assessments, environmental/air compliance

Consolidated Edison Company of New York

John McAvoy CEO 1823

Electric service provider for most of New York City and most of Westchester County and natural gas service provider for Manhattan, the Bronx, parts of Queens and Westchester

Consolidated Edison Solutions Inc.

Jorge J. Lopez CEO and president 1997

Energy-services company, provides power supply, renewable energy, sustainability services and cost-effective energy solutions for commercial, industrial, residential and government customers

Direct Energy Solar

Cory Byzewski Vice president and general manager 2008

Full-service residential solar provider

Dr. Energy Saver

Michael Carlo and Matthew Carlo Owners 2011

Energy-efficient home insulation, including air sealing, HVAC and water heaters

Jeff S. Forbes Executive vice president and chief nuclear officer, Entergy Nuclear 1962

Produces nuclear clean air electricity

James McHale and Frank Petrullo Owners 2008

Energy efficiency and savings

Environmental Control

Arnold Bruzzano Founder and president 1982

Building commissioning and energy-reduction services

Greenergy NY

Norm Jen Owner 2013

Consulting and testing services to promote energy conservation and green-building practices

Healthy Home Energy & Consulting Inc.

Kevin Brenner Founder and president 2006

Comprehensive home-energy audit, energy-efficient improvements

Kinsley Energy Group

David Kinsley President 1964 Joseph Armentano CEO 1968 Rudy W. Scholl President 1997 Christopher Hale Owner NA

(A division of All HVAC Service Co. Inc.) 620 Mamaroneck Ave., No. 244, White Plains 10605 347-470-7090 • brightenergyservices.com (A division of Robison Oil Inc.) 500 Executive Blvd., Elmsford 10523 222-5349 • brighthome.com

1506 Henry Ave., Mamaroneck 10543 584-6720 • ccesworld.com

Cooper Station, P.O. Box 138, New York 10276-0138 800-752-6633 • coned.com (A subsidiary of Consolidated Edison Inc.) 100 Summit Lake Drive, Valhalla 10595 286-7000 • conedsolutions.com 54 Tuttle Place, Middletown 10941 800-903-6130 • directenergysolar.com

29 Elm St., Tuckahoe 10707 793-4400 • westchesterdrenergysaver.com

Entergy Nuclear Operations Inc.

Indian Point Energy Center, Buchanan 10511 736-8000 • entergy-nuclear.com

EnviroCare Air Quality Restoration LLC

(A division of JP McHale Pest Management Inc.) 241 Bleakley Ave., Buchanan 10511 788-4454 • eaqr.com 92 North Ave., New Rochelle 10801 632-1815 • envconcx.com (Affiliate of Jenesis Group) 5 Orchard Terrace, Chappaqua 10514 238-9500 • jenesisgroup.com 362 Adams St., Bedford Hills 10507 242-9733 • gethealthyhome.com

310 Guinea Road, Brewster 10509 218-9940 • kinsley-group.com

Paraco Gas Corp.

800 Westchester Ave., Suite S604, Rye Brook 10573 800-647-4427 • paracogas.com

R3 Energy

1 Central Ave., Suite 311, Tarrytown 10591 909-3940 • r3energy.com

SunBlue Energy

147 Valley St., Sleepy Hollow 10591 222-3510 • sunblueenergy.com

Description/Services

Energy solutions provider for customers throughout the Northeast, distributer of Kohler power systems, provider of prime movers for co-generation, biomass and landfill applications Privately held marketers of propane gas Energy-efficient improvement services Designs and installs solar-energy systems (photovoltaic/PV or solar hot water) for both residential and businesses

Sunrise Solar Solutions LLC

Doug Hertz, Erric Messer Principals 2009

Residential and commercial photovoltaic solar system

Wheelabrator Westchester LP

Brett Baker Plant manager 1908

Converter of municipal solid waste and other renewable waste fuels into clean energy

510 N. State Road, Briarcliff Manor 10510 762-7622 • sunrisesolarllc.com 1 Charles Point Ave., Peekskill 10566 739-9304 • wtienergy.com

This list is a sampling of energy companies serving the region. If you would like to include your company in our next list, please contact Danielle Renda at drenda@westfairinc.com.

FEBRUARY 22, 2016

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2016

ABOVE THE BAR AWARDS TENTH ANNUAL COUNTYWIDE AWARDS PROGRAM RECOGNIZING OUTSTANDING WESTCHESTER ATTORNEYS

SAVE THE DATE: JUNE

THE WAINWRIGHT HOUSE 260 STUYVESANT AVE, RYE

PRESENTED BY: • CITRIN COOPERMAN • WESTCHESTER COUNTY BUSINESS JOURNAL • PACE UNIVERSITY SCHOOL OF LAW • WESTCHESTER COUNTY BAR ASSOCIATION • WESTCHESTER WOMEN’S BAR ASSOCIATION

Visit westfaironline.com/events for the nominating process. Each nomination should consist of a minimum of 200 words based on the criteria provided. Please submit your nomination and a copy of the nominee’s CV no later than April 27. For more information or questions, call Danielle Brody at 914-358-0757 or email dbrody@ westfairinc.com.

Nominations close April 27

A CALL FOR

NOMINATIONS Members of the Westchester business and legal communities are encouraged to nominate, pursuant to the criteria, one or more candidates for the following prestigious award categories: PACE SETTER AWARD: Candidate exemplifies overall excellence in professional and community work, prominence in the Westchester legal profession and fierce determination to being as good an attorney as possible. The highest award, the candidate must be well respected by peers and community. MOST SOCIALLY CONSCIOUS AWARD: Candidate is dedicated to one or more causes in the community as an active member or leader and has a significant history of pro bono legal or government service, which warrant praise and recognition by peers and community. LEADING ATTORNEY UNDER 40: Candidate under the age of 40 must be a prominent and respected attorney in his/her field, active in his/her community offering pro bono work, published in legal journals/newspaper and promises to be a leading legal player in the years to come. LEADING TRUSTS & ESTATES ATTORNEY: Candidate should have a strong record of legal accomplishments in the field of Trusts & Estates including estate planning and estate administration. The nominee should also be well-respected amongst his/ her peers for his/her expertise in Trusts & Estates here in Westchester County. MOST PROMISING PACE LAW SCHOOL STUDENT: Candidate, in his/her third year, who through passion and enthusiasm for the law, high scholastic achievement and initiative and involvement in school and community activities will be a promising member of the legal profession.

“WITHOUT QUESTION WINNING THE ABOVE THE BAR AWARD IS ONE OF THE MANY HIGHLIGHTS OF MY LEGAL CAREER, BUT ITS MEANING IS FAR GREATER. IT CELEBRATES THE RULE OF LAW IN OUR PROFESSION AND IT RECOGNIZES ALL LAWYERS WHO FIGHT FOR THE RIGHTS OF OTHERS.” Tejash V. Sanchala 2012 Above The Bar Award Recipient Leading Labor & Employment Attorney

SPONSORS

WCBJ

WESTCHESTER COUNTY

BUSINESS JOURNAL

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FEBRUARY 22, 2016

BY HELIANA VERONICE HIGBIE

Transforming Yonkers with smart growth

mart growth is a fundamental building block of sustainable communities. Embracing smart growth principles has improved the lives of everyone who lives and works in Yonkers. Soon after coming into office, Mayor Mike Spano signed into law a Green Building Ordinance, establishing a policy for the city to plan, design, construct, manage, renovate and maintain its facilities and buildings to be sustainable and to encourage certain commercial and residential developers to do the same. Yonkers has its own Green Development Workbook, including a checklist and standards, including requirements for construction projects in downtown Yonkers. The workbook is intended to help decision-makers to improve the environmental performance of new construction and renovation projects. It addresses environmental impacts that are specific to Yonkers and it aligns with local, state and federal incentive programs and regulations. The goal of the policy is to conserve natural resources, increase energy and water effi-

ciency and improve indoor air quality as a way to maintain long-term value, reduce operating costs and ensure more comfortable and healthy buildings in Yonkers. Yonkers is the largest city in Westchester County and the fourth largest city in New York state — and is just 25 minutes to midtown Manhattan’s Grand Central Terminal. Yonkers is highly desirable because of its livability. It is easy to get to and from Yonkers from practically anywhere. Yonkers is served by 10 Metro-North Railroad stations that lead to the Bronx and Manhattan, and as far away as Dutchess County, and even Albany. Five major highways connect Yonkers with the rest of Westchester County, New York City and beyond. Whether somebody is traveling by train, car, bus, bike or on foot, getting around, to and from Yonkers has never been easier. Due in part to the success of its Generation Yonkers campaign, Mayor Spano recently announced that Yonkers currently has more than $1 billion in commercial and residential projects under development. Yonkers’ zoning laws are designed

to encourage transit-oriented development. Much of this redevelopment and new development is concentrated around transit hubs. Anyone who has visited downtown Yonkers has witnessed its growth and transformation. The heart of the city has become the home of world-class restaurants, modern apartment buildings and a revitalized waterfront. By focusing development in the city’s center and by redevelopment of existing sites and brownfields, the city has preserved open spaces and broken the past trend of sprawling development. Yonkers’ policies promote and encourage mixed-use development. The old Boyce Thompson Institute building and property in Yonkers sat unoccupied for many years. Recently, the Simone Development Cos. began redevelopment of the site to build a $35 million mixed-use complex of office, medical and retail space. The site neighbors the South Westchester Executive Park, hotels, a hospital and the Greystone station of the Metro-North Hudson Line. Buried for nearly a century beneath

the streets of downtown Yonkers, the Saw Mill River is now flowing in broad daylight through Larkin Plaza thanks to a $19 million public works project that’s nearly complete. Comparable projects are rare and none have been done in the United States. The resulting economic development and job creation anticipates that approximately 950 permanent jobs will be created within five to 10 years as a result of the project. The Daylighting Project in Yonkers connects city residents with nature, restores habitat, and promotes economic development. Yonkers is 18 square miles where you would be hard pressed to find a corner where something positive isn’t happening. Heliana V. Higbie is the director of sustainability for the city of Yonkers. This is one in a series of reports on smart growth development in the region. The series will culminate in a March 24 panel discussion on smart growth trends hosted by Westfair Communications and Pace University Land Use Law Center at Pace Law School.

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Self-driving cars could crash personal auto insurance sector BY BILL FALLON bfallon@westfairinc.com

KPMG LLP, the international audit, tax and advisory firm, recently issued findings in the arena of autonomous cars and found the coming technology could bring an 80 percent potential reduction in accident frequency by 2040. “This will result in a potentially drastic reduction in loss costs and premiums,” KPMG said, but noted accident expense could increase from almost $14,000 currently to roughly $35,000. A KPMG executive used the term “significant turmoil” to describe the future, with “business models flipped upside down.” Autonomous cars under the Google logo long ago crossed the million-mileslogged mark. In January, Apple registered the domain name Apple.Car.com. The blogosphere has the computer giant turning out cars that may or may not be autonomous by 2019. Apple, web sources say, is upping engineers on the project from the current 600 to 1,800 for the jobs needed. KPMG said those cars will face a new insurance landscape, with 94 percent of industry survey respondents saying actual policy coverage will change; 52 percent saying property coverage will change; and 71 percent expecting coverage to change reflecting costlier vehicle parts replacement. KPMG among the same data in its fall 2015 “Autonomous Vehicles Survey Report,” also found competition for policies is expected to “rev up,” as it said, with niche writers handling 42 percent of the market, new providers filling 39 percent of the market and consolidation in store for 29 percent of providers. A KPMG spokesman said the data were rechecked and the findings remained valid as of Feb. 16. In a second KPMG report, titled “Marketplace of Change: Automobile Insurance in the Era of Autonomous Vehicles,” KPMG said, “A decline in accident frequency due to safer vehicles and the adoption of autonomous vehicles could shrink the U.S. personal auto insurance sector by 60 percent within 25 years.” “Autonomous vehicles are poised to completely transform the auto insurance industry, and underlying market forces, including technology enablement, consumer adop-

A prototype of a self-driving car created by Google.

tion, and regulatory permission, are already aligning to enable mass change,” said Jerry Albright, principal in KPMG’s actuarial and insurance risk practice. “The risk profile of vehicles is changing daily, and the subsequent drop in industry loss costs would reduce the size of the auto insurance market, trigger consolidation in the personal lines space, attract new competitors and force dramatic operational changes within carriers.” And Albright said that nearly accidentfree vehicles could be here before autonomous vehicles. “While a shift in business strategy could take years, insurers must act now to differentiate themselves and gain a first-mover advantage,” he said. As the size of the automobile insurance pie shrinks, the allocation of the slices across personal auto, commercial auto, and products liability could also change, according to

KPMG’s analysis. “Commercial lines could take a larger share, as the marketplace moves toward car sharing and mobility on demand services,” said Alex Bell, managing director in KPMG’s CIO Advisory practice. “As the vehicle makes more decisions, the potential liability of the software developer and manufacturer will increase too. In addition, losses covered by product liability policies will most likely increase because the sophisticated technology that underpins driverless vehicles will also need to be insured.” Said Chris Nyce, principal in KPMG’s actuarial and insurance risk practice, “The personal auto lines sector will likely bear the brunt of the transformation, as it will hold a smaller share of a smaller market. By 2040, we believe this sector will cover less than $50 billion in loss costs in nominal dollars, compared with the current $125 billion, with

premiums moving nearly proportional. The shrinkage in real terms may be even greater.” KPMG said it anticipates “severe implications of a contracting premium environment,” especially since, as it said, “the insurance industry as a whole has not generated an underwriting profit in personal or commercial auto for several years in a ‘normal’ market environment.” Joe Schneider, managing director at KPMG Corporate Finance LLC, said the continued proliferation of automated vehicles will put strain on carriers. “Many insurers don’t have a profitability cushion to erode and lack the structural agility to shed costs quickly in an environment of rapid change,” Schneider said. “Once the massive market disruption begins and traditional insurance business models are flipped upside-down, we expect significant turmoil across the industry.” WCBJ | HV Biz

FEBRUARY 22, 2016

BY MELISSA CINTRON

Avoiding denial of coverage on your insurance claim: Know what you paid for

nother allegedly weather-related crane collapse occurred in New York City on Feb. 5 that resulted in property damage, personal injury and most tragically, a loss of life. It is expected that multiple firstparty and third-party claims will be filed by the business entities affected by the incident for losses that may include business interruption and property damage. It is also reasonable to anticipate that any of these businesses dealing with the daunting experience of the aftermath — the cleanup, investigations and overall damage control — would least expect that an adverse determination from their own insurance company would delay a return to normal business operations. Unfortunately for any one of them, that could be the case. The insurance companies will certainly honor a loss that is expressly contracted for in the insurance contract. Conversely, they will deny a claim that is not, or is otherwise exempted by an exclusion. This holds true irrespective of the numbers of businesses and individuals aggrieved by an occurrence or the magnitude and extent of a loss. Illustrative of this point is a memorable

occurrence reminiscent of the crane collapse of recent days. In 2012, Hurricane Sandy allegedly contributed to a partial crane collapse in midtown Manhattan, which resulted in losses that included damage to a mixed-use building to which the tower crane was affixed and the tower crane itself. A multimillion-dollar claim was submitted to a builder’s risk policy by the property owner and construction manager for the project. Coverage was denied on the basis that the tower crane did not constitute covered property as defined by the policy or alternatively was excluded property. The aggrieved insured parties resorted to litigation seeking a declaration that the insurer was obligated to provide coverage (Lend Lease (US) Construction LMB Inc. et al v. Zurich American Insurance Co. et al). The state Supreme Court disagreed, essentially concluding that the tower crane was property of a nature that differed from the policy’s definition of covered property, a decision that was upheld by a divided state appellate court last December. In essence, insured parties must understand the fact that proof of payment of premiums does not establish entitlement to cov-

erage. The coverage purchased is provided through an insurance contract which, contains terms, conditions and definitions, as well as limitations to and express exclusions from coverage. Collectively, these definitions, limitations and exclusions can and do create gaps in coverage for an unwary insured. While it is unlikely that all potential variations of risk can be anticipated by an insured, the insured is in the best position to appreciate and contract for the risks he appreciates and intends to protect him and his company against. If an insured’s self-help efforts prove unsuccessful in getting the insurer to reconsider the position taken in a dreaded denialof-coverage letter, ultimately the burden is that of the insured to establish entitlement to coverage in the first instance. The New York State courts, in adjudicating such a dispute, will rely on well-settled principles of contract interpretation. The most paramount of those is that clear language in the insurance contract will be afforded its commonly used meaning and that otherwise unequivocal language will not be construed in a manner to extend coverage

for an insured that does not exist. Conversely, any contract language that is ambiguous or susceptible to two reasonable interpretations will be construed against the drafter and in favor of the insured. The important takeaway is that no business that pays premiums for an insurance policy should make any assumptions about what is “covered” in the insurance contract. Rather, the insurance contract should be read and if there are any doubts, inquiries should be made to either an insurance or legal professional. Concerns that a particular risk is not adequately contemplated in the procured coverage can be potentially cured by including special endorsements to the contract. Spending the extra time, effort, and, if necessary, additional money up front when purchasing business insurance can help ensure a timely return to business as usual when calamity strikes and can also help avoid protracted and costly coverage disputes. Melissa Cintron is a partner in the insurance defense and corporate and real estate practice groups at Harrington, Ocko & Monk, LLP in White Plains. For more information, visit homlegal.com or call her at 914-686-4800.

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FACTS & FIGURES COURT CASES Bayer HealthCare Pharmaceuticals Inc. Filed by Shannon Graham. Attorneys: Robert J. Evola, Bradley M. Lakin and Robert W. Schmieder II. Filed: diversity-product liability. Case no. 7:16-cv-01057-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Rosemary Hernandez. Action-diversity-product liability. Attorneys: Robert J. Evola, Bradley M. Lakin and Robert W. Schmieder II. Bayer HealthCare Pharmaceuticals Inc. Filed by Reba King. Action: diversity-product liability. Attorneys: Robert J. Evola, Bradley M. Lakin and Robert W. Schmieder II. Filed: Feb. 11. Case no. 7:16-cv-010701-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Martha M. Loiselle. Action: diversity-(citizenship). Attorney: Thomas Job-William Bellinder. Filed: Feb. 16. Case no. 7:16-cv-01157-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Vanessa Navarro. Action: diversity-product liability. Attorneys: Robert J. Evola, Bradley M. Lakin and Robert W. Schmieder II. Filed: Feb. 11. Case no. 7:16-cv-01060. Bayer HealthCare Pharmaceuticals Inc. Filed by Rosaura Quintero. Action: diversity-product liability. Attorneys: Robert J. Evola, Bradley M. Lakin and Robert W. Schmieder II. Filed: Feb. 11. Case no. 7:16-cv01087-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Gabriela Torres. Action: diversity-product liability. Attorneys: Robert J. Evola, Bradley M. Lakin and Robert W. Schmieder II. Filed: Feb. 11. Case no. 7:16-cv01084-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Autumn Wilkinson. Action: diversity-product liability. Attorneys: Robert J. Evola, Bradley M. Lakin and Robert W. Schmieder II. Filed: Feb. 11. Case no. 7:16-cv-01064-CS.

Items appearing in the Westchester County Business Journal’s On The Record section are compiled from various sources, including public records made available to the media by federal, state and municipal agencies and the court system. While every effort is made to ensure the accuracy of this information, no liability is assumed for errors or omissions. In the case of legal action, the records cited are open to public scrutiny and should be inspected before any action is taken. Questions and comments regarding this section should be directed to: Bob Rozycki c/o Westfair Communications Inc. 3 Westchester Park Drive, Suite G7 White Plains, N.Y. 10604-3407 Phone: 694-3600 • Fax: 694-3680

Bayer HealthCare Pharmaceuticals Inc. Filed by Madison Worden. Action: diversity-product liability. Attorneys: Robert J. Evola, Bradley M. Lakin and Robert W. Schmieder II. Filed: Feb. 11. Case no. 7:16-cv-01069CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Katie Zieba. Action: diversity-product liability. Attorneys: Robert J. Evola, Bradley M. Lakin and Robert W. Schmieder II. Filed: Feb. 11. Case no. 7:16-cv-01086-CS. Bayer Pharma AG. Filed by Brett A. Pike. Action: diversity-product liability. Attorneys: Rachel A. Sternlieb and Irving Jay Warshauer. Filed: Feb. 16. Case no. 7:16-cv-01144-CS. Bedford Corners Food Corp. Filed by Sara Monroy. Action: Fair Labor Standards Act. Attorney: Jordan Alexander El-Hag. Filed: Feb. 15. Case no. 7:16-cv-01133-NSR. Big Lots Stores Inc. Filed by James Van Winkle. Action: federal question – other civil rights. Attorney: Lawrence Arthur Fuller. Filed: Feb. 15. Case no. 7:16-cv-01117-NSR. Capacity Coverage of NJ Inc. Filed by Emerald Town Car of Pearl River LLC. Action: diversity action. Attorney: Adam Joseph Petitt. Filed: Feb. 12. Case no. 7:16-cv-01099.

ON THE RECORD

The TJX Companies Inc., a Delaware Corporation d.b.a. Marshalls. Filed by James Van Winkle. Action: fed. question: other civil rights. Attorneys: Lawrence Arthur Fuller and Asaad Khursheed Siddiqi. Filed: Feb. 16. Case no. 7:16-cv-01158.

DEEDS Above $1 million 219-225 Nepperhan Properties LLC, Yorktown Heights. Seller: 223225 Nepperhan Avenue Corp., New City. Property: 223 Nepperhan Ave., Yonkers. Amount: $1.6 million. Filed Feb. 10.

C2GRE LLC, White Plains. Seller: Joseph Goubeaud Jr., Mount Vernon. Property: 461 Park Ave., Yonkers. Amount: $245,000. Filed Feb. 11.

588 N State Storage LLC, Boca Raton, Fla. Seller: Briarcliff Self Storage Inc., White Plains. Property: 588 N. State Road, Ossining. Amount: $11.9 million. Filed Feb. 11. Artis Senior Living Holdings of Hastings II LLC, McLean, Va. Seller: Vallum Foundation LLC, Arlington, Va. Property: 1 Warburton Ave., Greenburgh. Amount: $2.7 million. Filed Feb. 9.

Below $1 million 1000 Main Street Peekskill LLC, Buchanan. Seller: Beachak Brothers Inc., Yorktown Heights. Property: 1000 Main St., Peekskill. Amount: $630,000. Filed Feb. 9.

The Honest Co. Inc. Filed by Brad Buonasera and Manon Buonasera. Action: diversity-other contract. Attorney: Yvette Golan. Filed: Feb. 12. Case no. 7:16-cv-01125.

101 South Division LLC, Buchanan. Seller: South Division Inc., Peekskill. Property: 101-107 S. Division St., Peekskill. Amount: $650,000. Filed Feb. 12.

Optimum Applied Systems Inc. Filed by Pension Benefit Guaranty Corp. Action: operation of corporation. Attorney: Adrian Zareba. Filed: Feb. 12. Case no. 7:16-cv-01103. Social Security Administration. Filed by Charles E. Sink. Action: review of HHS decision (SSID). Attorney: Charles E. Binder. Filed: Feb. 16. Case no. 7:16-cv-01091-NSR. Social Security Administration. Filed by Angela Bencebi Nazario. Action: review of HHS decision (SSID). Attorney: Charles E. Binder. Filed: Feb. 16. Case no. 7:16-cv-01091-NSR. Tappan Zee Constructors LLC. Filed by Richard Downing. Action: Jones Act. Attorney: Timothy Francis Schweitzer. Filed: Feb. 12. Case no. 7:16-cv-01114.

Brookridge House LLC, New Rochelle. Seller: Woodfield Twelve LLC, Garden City. Property: 51 French Ridge, New Rochelle. Amount: $204,334. Filed Feb. 12. Bryn Mawr LLC, Yonkers. Seller: Al Grant, et al, Bronxville. Property: 63 Bobolink Road, Yonkers. Amount: $615,000. Filed Feb. 10.

Certiﬁed Site Safety of New York LLC. Filed by Customers Bank. Action: diversity-torts. Attorney: Taruna Garg. Filed: Feb. 12. Case no. 7:16-cv01112-NSR.

Mechtronics Corp. Filed by Timothy Helmig. Action: diversity action. Attorney: Philip M. Halpern. Filed: Feb. 11. Case no. 7:16-cv-01050.

Boulder Apartments LLC, Yonkers. Seller: Fannie Mae. Property: 1133 Midland Ave., Yonkers. Amount: $225,000. Filed Feb. 10.

215 Central Avenue LLC, White Plains. Seller: 215 Central Inc., Port Chester. Property: 215 Cedar Ave., White Plains. Amount: $700,000. Filed Feb. 10. 25 Linden Ave Corp., Ossining. Seller: Michael Calandrello, Ossining. Property: 25 Linden Ave., Ossining. Amount: $180,000. Filed Feb. 11. 8950 Cypress Waters Blvd., Coppell, Texas. Seller: Johann F. Zietsman, et al, Purdys. Property: 49 Route 116, Somers. Amount: $387,107. Filed Feb. 11. AA North Ave LLC, Roslyn Heights. Seller: Mallardi Realty LLC, New Rochelle. Property: 388 North Ave., New Rochelle. Amount: $675,000. Filed Feb. 8. Artis Senior Living Holdings of Hastings LLC, McLean, Va. Seller: Vallum Foundation LLC, Arlington, Va. Property: Warburton Ave., Greenburgh. Amount: $366,458. Filed Feb. 9. BCD Highland LLC, White Plains. Seller: Marcos Rodriguez, et al, Ossining. Property: 45-47 Highland Ave., Yonkers. Amount: $505,000. Filed Feb. 10.

Carmel Properties LLC, White Plains. Seller: Federal Home Loan Mortgage Corp. Property: 41 School St., Cortlandt. Amount: $144,375. Filed Feb. 8. Castle Walk Development LLC, Hartsdale. Seller: Village of Scarsdale. Property: 3 Edgewood Road, Scarsdale. Amount: $628,000. Filed Feb. 10. CFSB Realty Corp., New York City. Seller: Pauline M. Galvin, Yonkers. Property: 1145 Oregon Road, Cortlandt. Amount: $290,000. Filed Feb. 9. Chestnut Street Realty 1 LLC, Yonkers. Seller: Joint Properties LP, Clifton, N.J. Property: 76 Chestnut St., Yonkers. Amount: $412,000. Filed Feb. 8. Deutsche Bank National Trust Co. Seller: Carl Laurence Finger, White Plains. Property: 2 Cedar Road, Somers. Amount: $375,000. Filed Feb. 10. Deutsche Bank National Trust Co. Seller: Joan C. Salwen, Scarsdale. Property: 62 W. Fourth St., Mount Vernon. Amount: $642,491. Filed Feb. 11. Federal Home Loan Mortgage Corp. Seller: Barbara M. Lerman, Larchmont. Property: 1631 Wenonah Trail, Yorktown. Amount: $252,000. Filed Feb. 8. Federal Home Loan Mortgage Corp. Seller: Sean Andrew Faughnan, Yonkers. Property: 35 Prior Place, Yonkers. Amount: $637,044. Filed Feb. 11. Federal National Mortgage Association. Seller: Alexis L. Pedroso, et al, Orlando. Fla. Property: 8 Briarbrook Road. Ossining. Amount: $316,133. Filed Feb. 11. Federal National Mortgage Association. Seller: Laura M. Porpiglia, South Salem. Property: 34 Bittersweet Lane, Lewisboro. Amount: $267,910. Filed Feb. 9. Freddie Mac. Seller: David Gallo, Armonk. Property: 181 Lake Ave., Yonkers. Amount: $127,035. Filed Feb. 8.

Kings Highway Holdings LLC, Woodbury. Seller: American Stone Inc., New Rochelle. Property: 13 Birch St., New Rochelle. Amount: $300,000. Filed Feb. 8. Lyons 12 Dayton LLC, Yonkers. Seller: Maurice Curran, et al, Sleepy Hollow. Property: 12 Dayton Ave., Mount Pleasant. Amount: $830,000. Filed Feb. 10. Nationstar Mortgage LLC. Seller: Sanjay L. Bhatt, White Plains. Property: 45 Coachlight Square, Unit 45, Cortlandt. Amount: $216,094. Filed Feb. 12. Rich and Rick Enterprises LLC, Bronxville. Seller: Onelia Anzellotti, Montreal, Quebec, Canada. Property: 39 Heath Place, Greenburgh. Amount: $300,000. Filed Feb. 12. Ridge Forest Realty Corp. Seller: Joseph Ruggiero, Yonkers. Property: 155 S. Third Ave., Mount Vernon. Amount: $594,433. Filed Feb. 8. SDF Capital LLC, New Rochelle. Seller: Wayside LLC, Yonkers. Property: 206 Westchester Ave., Yonkers. Amount: $350,000. Filed Feb. 10. Secretary of Housing and Urban Development. Seller: Norma Cruz, Larchmont. Property: 110 Livingston Place, Yonkers. Amount: $252,000. Filed Feb. 12.

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Spring 18 LLC, North White Plains. Seller: George M. Arco, et al, Mount Kisco. Property: 18 Spring St., Mount Kisco. Amount: $421,000. Filed Feb. 12.

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The Bank of New York Mellon Trust Company N.A. Seller: Theresa A. Girolamo, New Rochelle. Property: 59 Lambert Lane, New Rochelle. Amount: $387,155. Filed Feb. 11.

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The Bank of New York Mellon. Seller: Richard Corbett. Property: 19 Brook St., Mount Kisco. Amount: $339,719. Filed Feb. 10. The County of Westchester, White Plains. Seller: Michael T. Murphy, Kent, Wash. Property: 60A Oregon Ave., Eastchester. Amount: $305,000. Filed Feb. 10.

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U.S. Bank N.A. Seller: Ian P. Spier, White Plains. Property: 50 Midland Ave., Yonkers. Amount: $451,897. Filed Feb. 10. U.S. Bank N.A. Seller: Nicholas Lombardo, New York City. Property: 6 Orchard Place, Harrison. Amount: $800,772. Filed Feb. 10. U.S. Bank N.A. Seller: Paul J. Miklus, Mamaroneck. Property: 419 Half Moon Bay Drive, Cortlandt. Amount: $100,000. Filed Feb. 8. U.S. Bank N.A. Seller: Stuart J. Schaffer, Briarcliff Manor. Property: 140 Orchard Ridge Road, New Castle. Amount: $529,564. Filed Feb. 11.

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FEBRUARY 22, 2016

TEMPLE ISRAEL 2016 GALA SET Temple Israel Center’s (TIC) annual gala and fundraiser honoring Rosalie and Morty Weinstein of White Plains – with the Young Leadership Award to be presented to Julie and Warren Breakstone of Scarsdale and a special tribute to Michelle Steinhart of Suffern, TIC director of inclusion – will be held at 8 p.m. March 5 at Temple Israel Center of White Plains, 280 Old Mamaroneck Road, White Plains. The Weinsteins, members of Temple Israel Center for 24 years – Morty, a retired dentist, and Rosalie, a retired English teacher – are active in the daily activities of the center. The Breakstones and their children have been members of the center for more than a decade and served in a variety of roles to assist with temple activities. Steinhart joined the TIC Religious School staff 18 years ago to teach a single autistic child and in 2000 she was named director of special student services a position, which evolved into her current role. Ticket prices are $165 per person; first-time TIC member gala attendees may purchase tickets at $136 per person. To participate or purchase a virtual journal advertisement, call 914-9482800, ext. 129, email c.geller@templeisraelcenter.org or visit ticannualgala.org.

SPOTLIGHT ON AMERICA’S DEADLIEST CANCER The second annual Lustgarten Foundation Race 4 A Cure will be held from 6 to 9 p.m. Feb. 26 at Grand Prix New York (GPNY), a corporate entertainment complex at 333 N. Bedford Road in Mount Kisco. The fundraiser will be open to the public and is designed for children of all ages. Admission includes passed hors d’oeuvres from Restaurant North and Kira Sushi, an open bar, buffet dinner and dessert stations, music from Total Entertainment, “Arrive and Drive” indoor go kart racing, bowling at GPNY’s Spins Bowl lanes, bounce house and a $20 credit for the arcade. All proceeds will benefit The Lustgarten Foundation, the nation’s largest private funder of pancreatic cancer research and will help accelerate the path toward a cure for this aggressive, life-threatening disease. “I was inspired to honor my father’s memory and make a commitment to ensuring that other families don’t have to suffer like we did,” said Hope Wolfe of Bedford, event co-founder and committee chairperson. “We are on the verge of scientific breakthroughs in pancreatic cancer,

and I am hopeful that with increased funding raised through Race 4 A Cure and other community events, The Lustgarten Foundation’s researchers will continue to move us significantly closer to a cure.” At the door, tickets are $100/$125 adults and $60/$75 children and teens (17 and under). Admission is free for children 3 years and under. To purchase tickets or to join as a sponsor, call The Lustgarten Foundation at 866-789-1000 or visit race4acure.kintera.org.

FACILITY MEETS STATE QUALITY CARE CRITERIA For the second consecutive year Fieldhome’s Field Home – Holy Comforter, a rehabilitation and skilled nursing facility in Cortlandt Manor, has received a deficiency-free survey by the New York State Department of Health (DOH). “To achieve a deficiency-free survey requires great effort and professional commitment to quality care,” said John R. Ahearn, CEO. That’s why, he said, “… the community chooses us for their short-term rehab and long-term care needs.” In order to receive a deficiency-free survey, the facility must meet or exceed all state and federal regulations. Surveys are performed annually, unannounced, by the DOH to ensure true quality care. Surveyors evaluate the care and services residents receive by observing drug administration, recreational activities and meal requirements. They also interview residents and their families regarding their opinions about the rehabilitation and skilled nursing facility. Field Home – Holy Comforter’s sub-acute rehabilitation program provides individual physical therapy daily and has 46 private rooms.

WRIGHTSLAW SPECIAL EDUCATION LAW AND ADVOCACY CONFERENCE Peter Wright, a renowned U.S. Supreme Court-winning special education attorney, author and professor, is the key speaker at the special education law and advocacy conference set for Feb. 29 at the Westchester Hilton in Rye Brook. Wright’s website (Wrightslaw) is No.1 in the nation for special education law and advocacy. This all-day conference will address education law, the special education process, parental rights, and effective advocacy strategies, offering a toolbox of knowledge to get results and meet the needs of children with special education needs. If you are a parent, educator or lawyer and know of a child struggling in school, take advantage of this conference. For more information or to register, call Lynn Dalton at 914-582-4248 or visit onwithlearning.com.

FEBRUARY 22, 2016

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Past President Jack Berkowitz, Leslie Green and New Yrok Sen. William Larkin. Photo by Joyce Waschitz

FEDERATION’S SUPER SUNDAY FUELS CAMPAIGN Donations from the Jan. 31 Super Sunday Phon-a-thon conducted by members of the Greater Orange County Jewish Federation at the Kol Yisrael social hall in Newburgh reached nearly $60,000 for use by the federation to help those in need. “The energy and commitment of our federation family of volunteers and donors was inspiring,” said Steve Rubinsky, past president and solicitor trainer. “The community reflected on how lucky they really were to be able to be in the position to help others.” Second Vice President Beth Pechman agreed that this was “a job well done,” while Federation President Leslie Green of Chester said, “People are excited to volunteer to help with a wonderful cause.” Verizon Wireless sponsored the phon-a-thon and provided 30 cellular phones for the volunteers to use.

GOSHEN REALTOR APPOINTED NYSAR LOWER HUDSON REGION VICE PRESIDENT

Katheryn DeClerck

Katheryn DeClerck of Goshen took the oath of office Feb. 8 as the 2016 lower Hudson region vice president of the New York State Association of Realtors® (NYSAR) — a not-for-profit trade organization representing more than 50,000 of New York state’s real estate professionals –– during its business meeting held at The Desmond Hotel and Conference Center in Albany. DeClerck, a Realtor for 15 years, is an associate broker with Better Homes and Gardens Rand Realty in Warwick. She is a past president of the Hudson Gateway Association of REALTORS® and has chaired the leadership, finance and strategic planning committees. On the state level, DeClerck has served on the NYSAR Board of Directors since 2008, heading numerous committees. On the national level, DeClerck served as a director for the National Association of REALTORS® in 2013 and 2014. She is currently serving as the federal political coordinator for U.S. Rep. Sean Patrick Maloney of the 18th Congressional District.  Active in her community, DeClerck is a graduate of Leadership Orange and has served on the Community Impact Council for the United Way.

EDGEWOOD COUNTRY CLUB NAMES NEW GENERAL MANAGER After serving at several Westchester clubs, Westchester County resident Todd Zorn has joined Edgewood Country Club in New Jersey as its new general manager. The club was founded in 1956 on the grounds of two former pre-Revolutionary War farmsteads that were later converted into a country manor estate. According to Bruce Schonbraun, co-owner of the club, “Todd brings a keen sense of today’s evolving country club environment, as well as extensive experience in maintaining a best-in-class, family-oriented club, to Edgewood. He joins our team at an opportune time to lead the club through some very exciting chang-

es, including an extensive renovation plan, a greater focus on new family programming and a renewed commitment to offering the finest catering and special event venues in the region. He rounds out our brand new executive management team very nicely.” Zorn previously served as the general manager for the Salem Golf Club in North Salem and held general manager positions at Bonnie Briar Country Club in Larchmont and Pound Ridge Golf Club in Pound Ridge. He earned a Bachelor of Science degree from Skidmore College and is a Certified Club Manager.

PROMOTION AT DOMINICAN SISTERS FAMILY HEALTH SERVICE Marianne Bogannam has been promoted to vice president of development at Dominican Sisters Family Health Service Inc. (DSFHS), a community-based joint commission visiting nurse service, which provides professional, compassionate and holistic in-home care to people of all faiths, income levels and ages throughout the region. Its administrative office is in Ossining and other offices are located in Long Island and New York City. Bogannam has worked at DSFHS for 10 years starting in 2006 as a development coordinator working on fundraising efforts and overseeing special programs in Suffolk County. In 2011, she was promoted to development manager and in 2014 she was promoted to director of development, which increased the scope of her job to include development initiatives in all geographic areas of the agency. In her new position, Bogannam will focus on fundraising events, developing relationships with new donors and the creation and development of the agency’s marketing, advertising and public relations strategy. She received a bachelor’s degree from Adelphi University.

Marianne Bogannam

“We know Marianne will be very successful in this new position and she has the support of a wonderful development team,” said Mary Zagajeski, president and CEO of DSFHS.

135 ALUMNI TRAILBLAZERS TO BE HONORED The Putnam County Chambers of Commerce (PCCC), the county’s largest business organization and primary advocate, voice and resource for the business community, will host the first annual Trailblazer Alumni Networking Event at Brewster’s Bull & Barrel Brew Pub from 6 to 9 p.m. Feb. 25. One hundred and thirty-five Trailblazer Award recipients from the past six years will be honored with live music, food and drinks. “Over the last six years, the PCCC has honored local business owners with the 40 under 40 Award and the Trailblazer Award. This year we are pulling together the alumni recipients for the largest networking event in Putnam County,” said Jennifer Maher, PCCC chairwoman. “This opportunity to spotlight and showcase Putnam County businesses is the best opportunity for business owners and leaders to increase their reach throughout the region. A true countywide networking opportunity,” said County Executive MaryEllen Odell. Tickets are $65; visit PutnamChamberNY.org.

LAW PARTNER RECIPIENT OF AWARD Glenn A. Monk, managing partner of the insurance defense practice group at Harrington, Ocko & Monk LLP, a fullservice law firm with offices in White Plains and New York City, was awarded the John E. Leach Memorial Award for 2016 in recognition of outstanding service and distinguished contributions to the legal profession as a member of the Torts, Insurance and Compensation Law Section of the New York State Bar Association. Monk has more than 30 years of experience as a trial attorney specializing in tort defense litigation. He represents corporations in OSHA and other administrative proceedings and advises on claims handling. He is a member of the New York State Bar Association where he serves on the executive committee of the torts, insurance and compensation law section and is chairman of the premises liability and labor law committee.

Ribbon-cutting ceremony at Wartburg Outpatient Rehabilitation Clinic. Photo by Anthony Mairo.

WARTBURG OUTPATIENT REHABILITATION CLINIC OPENS Wartburg, which is celebrating its 150th anniversary, recently held a ribbon-cutting ceremony to celebrate the opening of its new Outpatient Rehabilitation Clinic located in the Rehabilitation and Adult Day Services Center of Excellence on Wartburg’s 34-acre campus. The ceremony marked the organization’s continued expansion and focus on providing for and improving the quality of life of seniors in this community. The clinic was made possible by a grant from the Wartburg Foundation and is located within Wartburg’s $31 million, 75,000-square-foot center, which is the first health care facility in the city of Mount Vernon to be LEED (Leadership in Energy & Environmental Design) certified by the U.S. Green Building Council. Attaining LEED certification signifies that a building is exemplary in conserving energy, lowering operating costs and being healthy for occupants.

The general contractor of the project was Lecesse Construction and Andron Construction is responsible for the 8,000-square-foot renovations and Perkins Eastman was the architect. Mike Holden, member of Wartburg Board of Directors, said, “Outpatient rehabilitation services will allow patients to remain engaged and involved in their community while convalescing in the comfort of their home. The clinic also reaches a new population of people in the community and beyond who aren’t familiar with Wartburg to inform them of the extensive onsite rehabilitation services that are available. What’s unique about Wartburg is the fact that it has really looked at the entire continuum of care for seniors, from independent living to a skilled nursing facility to now opening an outpatient rehab clinic. Wartburg provides all the services necessary to serve seniors.”

Information for these features has been submitted by the subjects or their delegates.

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FEBRUARY 22, 2016

PHELPS FOOD, WINE & BEER FEST

SPRING TRAINING FOR WALKWAY VOLUNTEERS Walkway Over the Hudson will offer the first of three general training workshops from 5:30 to 7 p.m. Feb. 23 at 82 Washington St., Suite 201, Poughkeepsie, for those interested in volunteering for Walkway Over the Hudson State Historic Park. The Walkway Ambassadors are specially trained volunteers who enhance visitors’ experience in numerous ways and allow for a diversity of programming that would be otherwise unavailable at the park. Those inter-

ested are welcome to attend one educational training session to become a volunteer or complete the required three sessions offered through Walkway Over the Hudson organization and New York State Office of Parks Recreation and Historic Preservation to become a Walkway Ambassador. For more information, contact Susanne O’Neil at 845454-9649, soneil@walkway.org or visit walkway.org/ volunteer.

BERKSHIRE HATHAWAY HOMESERVICES WESTCHESTER PROPERTIES SCARSDALE WELCOMES NEW REALTOR Realtor Rosemary S. Camas has joined the Scarsdale office of Berkshire Hathaway HomeServices Westchester Properties. Regarding the appointment, Director of Westchester Sales Mark Nadler said, “I am delighted to announce that Rosemary has joined our team. She is extremely experienced and very knowledgeable of Westchester County and will be a tremendous addition to our staff.” A licensed real estate associate broker in Westchester County for the past 15 years, Camas has also lived in the Scarsdale community for the past 35 years. She has achieved awards in real estate throughout those years for

outstanding achievement in sales, along with many other real estate designations and certifications. Camas has extensive knowledge of everything from pricing to staging tips to Internet marketing to exceptional services and resources. “My clients know me for providing service above and beyond. With my experience and new affiliation with Berkshire Hathaway HomeServices Westchester Properties, I can offer an even higher quality of service to continue helping homeowners achieve their very best outcome through all of their buying or selling needs,” said Camas.

LARCHMONT OFFICE OF BERKSHIRE HATHAWAY HOMESERVICES WESTCHESTER PROPERTIES GAINS REALTOR Realtor Sara Frajnd has joined Berkshire Hathaway HomeServices Westchester Properties. The announcement was made by Mark Nadler, director of Westchester Sales for the Scarsdale and Larchmont offices. Frajnd received her bachelor’s degree from Columbia University and later studied at the New York School of Interior Design. Prior to joining Berkshire Hathaway she pursued a career in the fashion and design industry both

FEBRUARY 22, 2016

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in New York City and in Tel Aviv. “As a result of both my work experiences and my creative nature, I tend to visualize things differently than other people. For example, I can imagine what it would take to turn a ‘fixer-upper’ into your dream home, or I can help you stage the home you are selling to get the best price possible. Sometimes it’s all in the details,” said Frajnd.

Waldy Malouf and Max Gomez

Acclaimed chef Waldy Malouf will demonstrate his culinary skills at the Phelps Food, Wine & Beer Fest from 1 to 4 p.m. March 13 at Abigail Kirsch at Tappan Hill in Tarrytown. Tickets are $90, with all proceeds benefitting Phelps Memorial Hospital Center in Sleepy Hollow. This unique afternoon event features elegant dining stations hosted by fine local restaurants. Guests will sample the restaurants’ delicacies while enjoying wines selected by the chefs to complement their fare. An eclectic collection of wines will be provided by Grape Expectations, a Tarrytown purveyor of wines from around the world, and a wide selection of beers

from six countries will be presented by Half Time, the world’s largest beer retailer, in Mamaroneck. Participating restaurants include: Abigail Kirsch at Tappan Hill, 105 Ten Bar & Grill, AJA’s Burgers and America’s Favorites, Andino Peruvian, Bistro Z, Chutney Masala, Cooper’s Mill, Crabtree’s Kittle House, Culinary Institute of America, Elia Taverna, Flames Bar & Grill, Iron Horse, Lalibela Ethiopian, Le Serene, Maud’s, Memphis Mae’s, Modern on the Rails, Noma Social, Pine & Oak, River Market Kitchen and Bar, Ruth’s Chris Steak House, Squires, Sunset Cove, Tarry Tavern, Tavern at Croton Landing, Two Prime and Walter’s Hot Dogs. For tickets and more information, visit phelpevents.org.

SURGEON JOINS WHITE PLAINS HOSPITAL White Plains Hospital is pleased to welcome Preya Ananthakrishnan, M.D., as director of breast surgery at the hospital’s cancer program. Ananthakrishnan is an experienced, board-certified breast surgeon. She will be seeing patients on the fourth floor of the Physician Office Building in White Plains Hospital’s Center for Cancer Care, located at 2 Longview Ave. in White Plains. She has a special interest in oncoplastic surgery, and sees patients with both benign and malignant breast disease. Prior to joining White Plains Hospital, Ananthakrishnan was an assistant clinical professor of surgery at Columbia University College of Physicians and Surgeons

and an attending surgeon at New York Presbyterian Hospital and Lawrence Hospital. She was also the fellowship director of the Columbia University Breast Surgery Fellowship. Ananthakrishnan previously served as Associate Staff at St. Vincent’s Comprehensive Cancer Center in New York and the Cleveland Clinic Foundation. She received her medical degree from the University of Louisville School of Medicine in Louisville, Ky., and completed her residency in general surgery (where she was administrative chief resident) at the University of Medicine and Dentistry in Newark, N.J. She also completed her fellowship in breast oncology at John Wayne Cancer Institute in Santa Monica, Calif.

FACTS Wilmington Savings Fund Society FSB. Seller: Joseph Anthony Ruggiero, Yonkers. Property: 90 Rockland Place, New Rochelle. Amount: $488,962. Filed Feb. 12. Zelik Real Estate Holdings Inc., Merrick. Seller: U.S. Bank N.A. Property: 151 Lower Shad Road, Pound Ridge. Amount: $310,000. Filed Feb. 11. FORECLOSURES HAWTHORNE, 315 Warren Ave. Single-family residence; lot size: .17 acre. Plaintiff: PHH Mortgage Corp. Plaintiff ’s attorney: Stein, Wiener & Roth, 516-742-1212; 1 Old Country Road, Suite 113, Carle Place 11514. Defendant: Aceneth Peterson. Referee: John Perone. Sale: March 2, 9:30 a.m. Approximate lien: $477,722.00. MOUNT KISCO, 77 Smith Ave. Single-family residence; lot size: N/A. Plaintiff: Dominic F. Pasquale. Plaintiff ’s attorney: Anthony Pieragostini, 914-666-4321; 126 Barker St., Mount Kisco 10549. Defendant: Jorge Naranjo. Referee: Kenneth Bunting. Sale: March 8, 9:30 a.m. Approximate lien: $330,611.00. MOUNT VERNON, 3 Willow Place. Two-family residence; lot size: 2.32 acre. Plaintiff: Federal National Mortgage Association. Plaintiff ’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd, Rochester 14624. Defendant: Kathleen Brauer. Referee: Nicholas Barone. Sale: Feb. 25, 10:30 a.m. Approximate lien: $253,897.14. MOUNT VERNON, 127 Dell Ave. Single-family residence; lot size: .13 acre. Plaintiff: Reverse Mortgage Solutions. Plaintiff ’s attorney: McCabe, Weisberg & Conway PC, 914-6368900; 145 Huguenot St., Suite 401, New Rochelle 10801. Defendant: Sandra Melville. Referee: Jay Hashmall. Sale: Feb. 24, 11 a.m. Approximate lien: $203,339.97. NORTH SALEM, 10 Spring Hill Road. Single-family residence; lot size: 1.32 acre. Plaintiff: HSBC Bank USA National Association. Plaintiff ’s attorney: McCabe, Weisberg & Conway PC, 914-636-8900; 145 Huguenot St., Suite 401, New Rochelle 10801. Defendant: Garrett Mossman. Referee: Anthony Colavita. Sale: March 2, 9:30 a.m. Approximate lien: $298,788.85. OSSINING, 20 Clinton Ave. Single-family residence; lot size: .17 acre. Plaintiff: PNC Bank National Association. Plaintiff ’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Jorge Zhinin. Referee: Joseph Ruggiero. Sale: March 2, 11 a.m. Approximate lien: $434,785.86. OSSINING, 51 Hudson View Hill, Apt. 2-1. Condominium; lot size: N/A. Plaintiff: The Board of Directors of Riverview Condominiums Association. Plaintiff ’s attorney: Remer Law Firm PLLC, 914-944-4087; 30 State St., Ossining 10562. Defendant: Lillian Maiocco. Referee: Barry Fertel. Sale: Feb. 29; 10 a.m. Approximate lien: $28,020.46.

PEEKSKILL, 929 Phoenix Ave. Two-family residence; lot size: N/A. Plaintiff: Santander Bank National Association. Plaintiff ’s attorney: Stein, Wiener & Roth, 516-742-1212; 1 Old Country Road, Suite 113, Carle Place 11514. Defendant: Manuel Quizhpi. Referee: Warren Cohen. Sale: March. 2, 9 a.m. Approximate lien: $653,231.24. PELHAM, 57 Seventh St. Two-family; lot size: N/A. Plaintiff: Countrywide Home Loans Inc. Plaintiff ’s attorney: Berhman, Henoch, Peterson & Peddy, 516-222-6200; 100 Garden City Plaza, Garden City 11530. Defendant: Mary Ifill. Referee: Kenneth Bunting. Sale: Feb. 24, 9:30 a.m. Approximate lien: N/A. PORT CHESTER, 61 Oak St. Walkup apartment; lot size: .11 acre. Plaintiff: Bayview Loan Servicing LLC. Plaintiff ’s attorney: DeRose & Surico, 718-279-2000; 213 44 38th Ave., Bayside 11361. Defendant: Annette James. Referee: Tom Gizzo. Sale: March 2, 10: 30 a.m. Approximate lien: $540,166.46. RYE BROOK, 15 Dorchester Drive. Single-family residence; lot size: .56 acre. Plaintiff: HSBC Bank USA National Association. Plaintiff ’s attorney: Stiene & Associates, 631-935-1616; 187 E. Main St., Huntington 11743. Defendant: Scott Tannenbaum. Referee: John Sarcone III. Sale: March 8, 10 a.m. Approximate lien: $729,739.89. WHITE PLAINS, 189 Battle Ave. Single-family residence; lot size: .14 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Leopold & Associates PLLC, 914-2195787; 80 Business Park Drive, Armonk 10504. Defendant: Raul Figueroa. Referee: Robert Ryan. Sale: Feb. 25, 11 a.m. Approximate lien: $474,281.95. YONKERS, 140 Bruce Ave. Singlefamily residence; lot size: .04 acre. Plaintiff: Citimortgage Inc. Plaintiff ’s attorney: David A. Gallo & Associates, 95-25 Queens Blvd., Rego Park 11374. Defendant: Lorenza Chamber. Referee: Peter P. Rosato. Sale: Feb. 24, 2 p.m. Approximate lien: $455,066.21. YORKTOWN HEIGHTS, 31 Crest Drive. Single-family residence; lot size: N/A. Plaintiff: LNV Corp. Plaintiff: Stein, Wiener & Roth, 516-742-1212; 1 Old Country Road, Suite 113, Carle Place 11514. Defendant: Thomas Shaw. Referee: Guy Parisi. Sale: Feb. 24, 9:45 a.m. Approximate lien: $197,960.04.

JUDGMENTS Central Ave Discount Liquor Corp., Yonkers. $27,708 in favor of Happy Rock Merchant Solutions LLC, New York City. Filed Feb. 10. Cortlandt Plaza Wine and Liquors Inc., Mohegan Lake. $275,032 in favor of Celestial Route 6 Associates LLC, White Plains. Filed Feb. 8. Gaiia Enterprise Global Ltd., Cortlandt Manor. $1.5 million in favor of HB Acquisition Company LLC, New York City. Filed Feb. 8. Oxygen Electronics LLC, White Plains. $23,472 in favor of Bear Franchising Raleigh LLC, Raleigh, N.C. Filed Feb. 11.

Studio 530 Inc., Yonkers. $3,825 in favor of MST Nepperhan Real Estate LLC, Yonkers. Filed Feb. 8. Warburton Grocery Deli, Yonkers. $15,854 in favor of Sam Dahdal Inc., Yonkers. Filed Feb. 10. WJL Equities Corp., Eastchester. $107,769 in favor of Eastern Concrete Materials Inc., Valley Cottage. Filed Feb. 9.

LIS PENDENS The following ﬁlings indicated a legal action has been initiated, the outcome of which may aﬀect the title to the property listed. 26 South 13 Corp., et al. Filed by South 4 Mount Vernon Funding Associates. Action: seeks to foreclose on a mortgage to secure $90,000 affecting property located at 26 S. 13 Ave., Mount Vernon. Filed Jan. 19. Benjamin, Sylvia M., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $533,887 affecting property located at 34 S. 13 Ave., Mount Vernon 10550. Filed Jan. 20. Bohm, Ilan, et al. Filed by Capital One N.A. Action: seeks to foreclose on a mortgage to secure $1 million affecting property located at 225 Union Ave., Harrison 10528. Filed Jan. 20. Brown, Annette, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 98 S. Fulton Ave., Mount Vernon 10550. Filed Jan. 20. Casanova, Christopher, et al. Filed by Washington Mutual Bank. Action: seeks to foreclose on a mortgage to secure $1.3 million affecting property located at 158 Brite Ave., Scarsdale 10583. Filed Jan. 16. Casarella, Michael, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $331,550 affecting property located at 121 Foxwood Circle, Mount Kisco 10549. Filed Jan. 20. DeBenedictis, Anthony, et al. Filed by The Bank of New York Mellon Trust Company N.A. Action: seeks to foreclose on a mortgage to secure $396,000 affecting property located at 84 Festival Court, White Plains 10603. Filed Jan. 20. Fernandez, Joseph L., et al. Filed by Deutsche Bank Trust Company Americas. Action: seeks to foreclose on a mortgage to secure $500,000 affecting property located at 11 Berkley Lane, Rye Brook 10573. Filed Jan. 16. Fowlkes, Harold E. Jr., et al. Filed by Caliber Home Loans Inc. Action: seeks to foreclose on a mortgage to secure $163,036 affecting property located at 413 S. Second Ave., Mount Vernon. Filed Jan. 20.

FIGURES Gardner, Michael, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $428,825 affecting property located at 224 Terrace Avenue North, Mount Vernon 10550. Filed Jan. 20.

Tucker, Gerald, et al. Filed by OneWest Bank N.A. Action: seeks to foreclose on a mortgage to secure $602,075 affecting property located at 26 Magnolia Ave., Mount Vernon. Filed Jan. 16.

Gray, Shawn C., et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $236,000 affecting property located at 13 Hudson Point Lane, Unit 13, Ossining 10562. Filed Jan. 20.

White, James J. Jr., et al. Filed by Aurora Loan Services LLC. Action: seeks to foreclose on a mortgage to secure $400,000 affecting property located at 25 Ridgeland Terrace, Rye. Filed Jan. 16.

Haskins, Kenneth, et al. Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $160,000 affecting property located at 126 Pine St., Peekskill 10566. Filed Jan. 20.

Yuscak, Paul R., et al. Filed by the Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 148 Briggs Ave., Yonkers 10701. Filed Jan. 20.

Larmond, Pauline, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $457,600 affecting property located at 27 Tibbits Ave.. White Plains 10606. Filed Jan. 20. Leonard, Laverne M., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $609,750 affecting property located at 3 Murray Lane, Ossining. Filed Jan. 16. Lopez, Jamie A., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $432,600 affecting property located at 47 Livingston St., Yonkers 10705. Filed Jan. 16. Rankine, Arlene, et al. Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $234,000 affecting property located at 526 Second Avenue South, Mount Vernon 10550. Filed Jan. 20. Salmon, Alexander E., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $326,250 affecting property located at 122 S. High St., Mount Vernon 10550. Filed Jan. 19. Scott, Elizabeth A. Burns, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 249 Henry St., Buchanan 10511. Filed Jan. 16. Solari, Robert A., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 105 Chappaqua Road, Briarcliff Manor 10510. Filed Jan. 20. Stone, Renae, et al. Filed by the State of New York Mortgage Agency. Action: seeks to foreclose on a mortgage to secure $189,000 affecting property located at 7 Poplar Circle, Unit 4-3, Peekskill 10566. Filed Jan. 20. The Gift In A Card Company LLC, et al. Filed by Mossco Capital Inc. Action: seeks to foreclose on a mortgage to secure $250,000 affecting property located at Half Moon Bay Marina, Unit B-5, Cortlandt and 615 Route 6N, Mahopac. Filed Jan. 20.

MECHANIC’S LIENS Dojibak LLC, as owner. $78,000 as claimed by Kul Construction Inc., East Elmhurst. Property: 166 Yonkers Ave., Yonkers. Filed Feb. 10. King, Harold, as owner. $5,005 as claimed by J.S. Security Inc., Spring Valley. Property: 1 Nikki Drive, White Plains. Filed Feb. 10.

NEW BUSINESSES

Rayal Tree Service Inc., d.b.a. Rayal Tree Care Co., 2994 Navajo St., Yorktown Heights 10598. Filed Aug. 26. Sterling Inc., d.b.a. Design and Service Center, No. 8603, 6090 Mall Walk, Yonkers 10704. Filed Aug. 26. SWS Enterprise Inc., d.b.a. Sorell Wine Shop, 27 Division St., New Rochelle 10801. Filed Aug. 26.

Partnerships Tiﬀany Spa, 158 Summerfield St., Scarsdale 10583, c/o Aihua Jin and Xianghu Han. Filed Aug. 26.

Sole Proprietorships Airportexpresslux.com, 50 Davenport Ave., Apt. 3F, New Rochelle 10805, c/o Raymond D. Carlson Jr. Filed Aug. 26. All Point Management, 53 Lawrence St., Yonkers 10705, c/o Mario Pyne. Filed Aug. 26. ASCJ Media Productions, 455 N. Broadway, Apt. 17, Yonkers 10701, c/o Andrew Joseph. Filed Aug. 26.

This paper is not responsible for typographical errors contained in the original ﬁlings.

RV Therapies, 1428 Pleasantville Road, Briarcliff 10510, c/o Hema Venkata Naga Rajesh Vemuri. Filed Aug. 26.

Doing Business As

SK Discount, 106 S. Fourth Ave., Mount Vernon 10550, c/o Surujpattie Chunupersaud. Filed Aug. 26.

583 Restaurant Corp., d.b.a. Olibar, 583 Main St., New Rochelle 10801. Filed Aug. 26. Ariel Grocery Yonkers Inc., d.b.a. Ariel Deli Grocery, 628 S. Broadway, Yonkers 10705. Filed Aug. 26. Dermasoft Inc., d.b.a. Skin Companion, 140 S. Columbus Ave., Mount Vernon 10553. Filed Aug. 26. Dermasoft Inc., d.b.a. Skinscribe, 140 S. Columbus Ave., Mount Vernon 10553. Filed Aug. 26. Esquipulas Corp., d.b.a. The Pastry Corner, 209 E. Main St., Mount Kisco 10549. Filed Aug. 26. FRD Inc., d.b.a. United Auto, 70 W. Third St., No. 1D, Mount Vernon 10550. Filed Aug. 26. Legacy Consulting Inc., d.b.a. Legacy Consulting Group, 72 N. State Road, No. 221, Briarcliff Manor 10510. Filed Aug. 26. New York Document Services Inc., d.b.a. We The People Document Preparation Services, 37 Mamaroneck Ave., White Plains 10601. Filed Aug. 26. Pachira Inc., d.b.a. Pachira Services, 367 S. Broadway, Yonkers 10705. Filed Aug. 26.

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PATENTS Continuous loop cooling for an electronic device. Patent no. 9,265,178 issued to Bret P. Elison, Rochester, Minn.; Phillip V. Mann, Rochester, Minn.; Arden L. Moore, Cedar Park, Texas; and Arvind K. Sinha, Rochester, Minn. Assigned to International Business Machines Corp., Armonk. Fabricating multicomponent electronic module with integral coolant cooling. Patent no. 9,265,177 issued to Amilcar R. Arvelo, Poughkeepsie; Levi A. Campbell, Poughkeepsie; Michael J. Ellsworth, Piughkeepsie; and Eric McKeever, Poughkeepsie. Assigned to International Business Machines Corp., Armonk. Flexible rework device. Patent no. 9,265,155 issued to Gerald K. Bartley, Rochester, Minn.; David J. Braun, St. Charles, Minn.; John R. Dangler, Rochester, Minn.; and Matthew S. Doyle, Rochester, Minn. Assigned to International Business Machines Corp., Armonk. Generation of attribute-based access control policy from existing authorization system. Patent no. 9,264-451 issued to Suresh N. Chari, Tarrytown; and Ian M. Molloy, Chappaqua. Assigned to International Business Machines Corp., Armonk.

FEBRUARY 22, 2016

FACTS Implementing heat sink loading having multipoint loading with actuation outboard of heat-sink footprint. Patent no. 9,265,157 issued to John L. Colbert, Byron, Minn.; Jason R. Eagle, Kasson, Minn.; and Roger D. Hamilton, Rochester, Minn. Assigned to International Business Machines Corp., Armonk. Method and system for transferring a designated call to a cellular telephone. Patent no. 9,264,427 issued to Erick Simon Amador, Miramar, Fla.; Gregory Jensen Boss, American Fork, Utah; Rick Allen Hamilton, Charlottesville, Va.; and Timothy Moffett Waters, Hiram, Ga. Assigned to International Business Machines Corp., Armonk.

Jackson, Christopher Brian, Warwick, as owner. Lender: Walden Savings Bank, Montgomery. Property: in Warwick. Amount: $250,000. Filed Feb. 9. Prestige Real Estate of the Hudson Valley LLC, Newburgh, as owner. Lender: Ulster Savings Bank, Kingston. Property: in New Windsor. Amount: $218,000. Filed Feb. 9. Simmons, Keisha, Warwick, as owner. Lender: M&T Bank. Property: 77 Marian Court, Warwick 10990. Amount: $164,926. Filed Feb. 10.

FEBRUARY 22, 2016

CitiMortgage Inc. Seller: Scott M. Brien, Hopewell Junction. Property: 129 Vassar Road, Poughkeepsie 12603. Amount: $323,500. Filed Feb. 1.

Below $1 million

Thermal and coolant-cooled structures facilitating cooling of electronics card(s). Patent no. 9,265,178 issued to Amilcar R. Arvelo, Poughkeepsie; Levi A. Campbell, Poughkeepsie; Michael J. Ellsworth Jr., Poughkeepsie; Eric McKeever, Poughkeepsie; and Richard P. Snider, New Paltz. Assigned to International Business Machines Corp., Armonk.

Below $1 million

The Gables of Orange County LLC, Pine Bush, as owner. Lender: Walden Savings Bank, Montgomery. Property: 411 Route 17M, Monroe. Amount: $150,000. Filed Feb. 10.

MRR Realty Group LLC, Hopewell Junction. Seller: Hudson Valley Federal Credit Union, Poughkeepsie. Property: in Poughkeepsie. Amount: $4.5 million. Filed Feb. 3.

Providing network access. Patent no. 9,264,554 issued to Jason L. Anderson, San Jose, Calif.; Gregory J. Boss, Saginaw, Mich.; Andrew R. Jones, Round Rock, Texas; Kevin C. McConnell, Austin Texas; and John E. Moore Jr., Brownsburg, Ind. Assigned to International Business Machines Corp., Armonk.

BUILDING LOANS

Central Valley Property Management LLC, Highland Mills. Seller: TD Bank N.A. Property: 256 Route 32, Central Valley. Amount: $150,000. Filed Feb. 9.

Above $1 million

Pull data transfer method in request-response models. Patent no. 9,264,506 issued to Hanhua Feng, Perry Hall, Md.; and Anton Viktorovich Riabov, Baldwin Place. Assigned to International Business Machines Corp., Armonk.

HUDSON VALLEY

Stolarz, Mariusz, Garfield, N.J., as owner. Lender: Ulster Savings Bank, Kingston. Property: 133 Bellevernon Ave., Wallkill 10940. Amount: $97,500. Filed Feb. 10.

DEEDS

Multidimensional audio transformations and cross fading. Patent no. 9,264,849 issued to David B. Lection, Raleigh, N.C.; and William G. Pagan, Durham, N.C. Assigned to International Business Machines Corp., Armonk.

109 Linden Inc., Monroe. Seller: James P. Boyce, et al, Monroe. Property: in Monroe. Amount: $322,000. Filed Feb. 8. 2000 Twins LLC, Goshen. Seller: 3-5 New Street Corp., Goshen. Property: in Goshen. Amount: $275,000. Filed Feb. 10. 270 Mountain LLC, Hauppauge. Seller: David Colon, Monroe. Property: 270 Mountain Road, Monroe 10950. Amount: $450,000. Filed Feb. 10. 321 Liberty St LLC, Harriman. Seller: Ralph L. Puglielle Jr., New Windsor. Property: 352 North St., Middletown 10940. Amount: $52,005. Filed Feb. 8. 35 Liberty LLC, Beacon. Seller: Karen M. Steed, Beacon. Property: 34 S. Chestnut St., Beacon. Amount: $165,000. Filed Feb. 2. 398 Church St Holdings LLC, Wappingers Falls. Seller: America Project Services Inc., Beacon. Property: 231 Spruce St., New Windsor 12553. Amount: $118,000. Filed Feb. 8. 4 Lei 302 Corp., Monroe. Seller: Shraga Gandl, Monroe. Property: in Kiryas Joel. Amount: $120,000. Filed Feb. 9. 7 Satmar LLC, Monroe. Seller: Louis Jacobowitz, et al, Brooklyn. Property: in Kiryas Joel. Amount: $100,000. Filed Feb. 11. America Project Services Inc., Beacon. Seller: Julian Castro, secretary of Housing and Urban Development. Property: 231 Spruce St., New Windsor 12553. Amount: $101,112. Filed Feb. 8. Bragada Properties LLC, Poughquag. Seller: Nationstar Mortgage LLC. Property: 31 Spring St., Newburgh 12550. Amount: $36,135. Filed Feb. 8. Central Valley Property Management LLC, Highland Mills. Seller: TD Bank N.A. Property: 252 and 260 Route 32, Central Valley. Amount: $675,000. Filed Feb. 9.

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Clove Branch Holdings Corp., Hopewell Junction. Seller: Fannie Mae. Property: 11D Carnaby St., Wappingers Falls 12590. Amount: $42,000 Filed Feb. 1.

FIGURES Foe Associates LLC, Monticello. Seller: Ned Kopald, Highland Falls. Property: 310 Shawangunk Road, Fair Oaks. Amount: $10,000. Filed Feb. 8. Fresh Breath Properties LLC, Poughkeepsie. Seller: Deutsche Bank National Trust Co. Property: 34 Kenzbrit Court, Poughkeepsie 12603. Amount: $245,000. Filed Feb. 3. HSBC Bank USA N.A. Seller: Nancy Flannigan, et al, Campbell Hall. Property: 85 Forester Ave., Warwick 10990. Amount: $67,653. Filed Feb. 9.

Prestige Real Estate of the Hudson Valley LLC, Newburgh. Seller: Joan W. Capicotto, New Windsor. Property: in New Windsor. Amount: $100,000. Filed Feb. 9. Re.Vitalize Development LLC, Jersey City, N.J. Seller: City of Newburgh. Property: 123 S. William St., Newburgh. Amount: $10,000. Filed Feb. 8. Ross Homes of Orange County Inc., Middletown. Seller: Stephen Selby, et al, Simsbury, Conn. Property: in Wawayanda. Amount: $35,000. Filed Feb. 8.

Coxing House LLC, Cottekill. Seller: Lynn Reisigl, et al, Cottekill. Property: 15 Coxing Road, Marbletown. Amount: $193,354. Filed Feb. 8.

Hudson Valley Vintage LLC, Croton-on-Hudson. Seller: Steven Chaikin, et al, New Paltz. Property: in Red Hook. Amount: $213,500. Filed Feb. 3.

Emerald 34 West Main LLC, Spring Valley. Seller: Mark J.H. Cox, Port Jervis. Property: in Port Jervis. Amount: $40,000. Filed Feb. 8.

JLIN Properties LLC, Woodstock. Seller: Glenda Kaufman Kantor, West Hurley. Property: in Hurley. Amount: $160,000. Filed Feb. 10.

Fannie Mae. Seller: Alan L. Joseph, Goshen. Property: 204 S. Centerville Road, Middletown 10940. Amount: $360,718. Filed Feb. 10.

Laulinian Group LLC, San Jose, Calif. Seller: Fannie Mae. Property: 46 Manor Lane, Deerpark 12785. Amount: $52,500. Filed Feb. 11.

Fannie Mae. Seller: Charles P. Obremski, Cornwall-on-Hudson. Property: 27 Sheffield Drive, Middletown 10940. Amount: $99,740. Filed Feb. 9.

LP Builders LLC, Walden. Seller: Crossroads Pool I Owner LLC, New York City. Property: 60 Valley Ave., Montgomery 12586. Amount: $45,000. Filed Feb. 9.

Shalders Enterprises LLC, Pine Bush. Seller: Walden Savings Bank, Montgomery. Property: in Port Jervis. Amount: $50,000. Filed Feb. 9.

LPP Mortgage Ltd. Seller: Gary Eisenberg, New City. Property: 154 Delafield Lane, Newburgh 12550. Amount: $405,314. Filed Feb. 10.

Shalom LLC, Monroe. Seller: Ador Equities Inc., Monroe. Property: 1 Prag Blvd., Units 102-302, Monroe 10950. Amount: $400,000. Filed Feb. 9.

Maddie and Main LLC, New Paltz. Seller: Richard L. Eisenberg, New Paltz. Property: in New Paltz. Amount: $340,000. Filed Feb. 5.

The Untraveled Path Inc., Beacon. Seller: 21st Mortgage Corp., Baldwinsville. Property: in Fishkill. Amount: $155,000. Filed Feb. 1.

Marap Realty LLC, Kingston. Seller: Fannie Mae. Property: 167 North St., Kingston 12401. Amount: $25,000. Filed Feb. 5.

TMP Real Estate Holdings LLC, Newburgh. Seller: Joseph Piqueras, et al, Wallkill. Property: in Newburgh. Amount: $200,000. Filed Feb. 9.

Federal National Mortgage Association. Seller: Angela GarciaMcSweeney, Middletown. Property: 8 Little Monument St., Newburgh 12550. Amount: $16,600. Filed Feb. 10.

Marap Realty LLC, Kingston. Seller: Harry Van Vliet III, et al, Kingston. Property: in Esopus. Amount: $64,000. Filed Feb. 5.

U.S. Bank N.A. Seller: Glen A. Plotsky, Port Jervis. Property: 36 Burrow Drive, Highland Mills 10930. Amount: $543,176. Filed Feb. 9.

Federal National Mortgage Association. Seller: Geoffrey S. Goldman, Cohoes. Property: 444 Crescent Ave., Highland 12528. Amount: $215,929. Filed Feb. 5.

McDermott Real Estate of Orange County Inc., Newburgh. Seller: Christopher Cea, Albrightville, Pa. Property: in Maybrook. Amount: $159,000. Filed Feb. 8.

U.S. Bank N.A. Seller: John K. Gifford, Poughkeepsie. Property: 30 Cottage St., Poughkeepsie 12601. Amount: $346,000. Filed Feb. 2.

Federal National Mortgage Association. Seller: Michael Fox, Newburgh. Property: 26 Lake Ridge Drive, Middletown 10940. Amount: $141,160. Filed Feb. 10.

New Windsor Land Company LLC, Princeton, N.J. Seller: Heritage Oak-New Windsor LLC, Red Bank, N.J. Property: in New Windsor. Amount: $555,000. Filed Feb. 9.

Federal National Mortgage Association. Seller: Robert Hunter, South Fallsburg. Property: 16 Courtland Place, Middletown 10940. Amount: $142,110. Filed Feb. 10.

New Windsor Landscape LLC, Goshen. Seller: Wells Fargo Bank N.A. Property: 8 Lincoln St., Walden 12586. Amount: $46,500. Filed Feb. 8.

Fannie Mae. Seller: Elizabeth K. Cassidy, Warwick. Property: 36 East Ave., Middletown 10940. Amount: $315,101. Filed Feb. 10. Fannie Mae. Seller: Paul L. Marks, Montgomery. Property: 63 California Ave., Middletown 10940. Amount: $303,830. Filed Feb. 10. Federal Home Loan Mortgage Corp. Seller: Mark D. Stern, Goshen. Property: 18 Palamar Drive, Monroe 10950. Amount: $296,067. Filed Feb. 8.

Federal National Mortgage Association. Seller: Stephen M. Koopman, et al, Goshen. Property: 109 E. Main St., Washingtonville. Amount: $243,774. Filed Feb. 9. Federal National Mortgage Association. Seller: Steven M. Stuber, Warwick. Property: 8 Wilbur Ave., Middletown 10940. Amount: $137,310. Filed Feb. 8.

PennyMac Corp. Seller: Michele Babcock, Walden. Property: 346 Route 211 West, Middletown 10949. Amount: $243,703. Filed Feb. 8. PennyMac Holdings LLC, Moorspark, Calif. Seller: Philip J. Laskorski, et al, Pawling. Property: 109 Lakeside Drive, Pawling 12564. Amount: $378,500. Filed Feb. 3.

Samuel Henry LLC, Nyack. Seller: Stuart Hannan, Rhinebeck. Property: in Red Hook. Amount: $525,000. Filed Feb. 3. Savona Brothers’ Realty LLC, Kingston. Seller: Basar LLC, Pleasant Valley. Property: 21-23 Broadway, Kingston. Amount: $650,000. Filed Feb. 10. Secretary of Veteran’s Aﬀairs. Seller: Ryan Scott Karben, Pomona. Property: 69 Meadow Ave., Chester 10918. Amount: $122,978. Filed Feb. 11.

U.S. Bank N.A. Seller: Judith L. Lubinsky, Campbell Hall. Property: 8 Charles St., Middletown 10940. Amount: $329,796. Filed Feb. 10. U.S. Bank Trust N.A. Seller: Sol H. Lesser, New Windsor. Property: 68 Carter St., Newburgh 12550. Amount: $47,500. Filed Feb. 10. Usavich Ltd., Poughkeepsie. Seller: Shawn P. Zampko, Poughkeepsie. Property: in Poughkeepsie. Amount: $50,000. Filed Feb. 3. Virtue Source Inn LLC, Godeffroy. Seller: GMAT Legal Title Trust 2013-1. Property: 239 Monhagen Ave., Middletown. Amount: $89,900. Filed Feb. 10.

Wells Fargo Bank N.A. Seller: Michael S. Blustein, Goshen. Property: 4 Crane Road, Middletown 10941. Amount: $223,056. Filed Feb. 8. Wilmington Savings Fund Society FSB. Seller: Rachel Flanagan, Fishkill. Property: 1802 Route 9G, Staatsburg. Amount: $200,000. Filed Feb. 1. Wilmington Savings Fund Society FSB. Seller: Robert W. Fink, Goshen. Property: 15 Maiden Lane, Goshen 10924. Amount: $529,593. Filed Feb. 9.

JUDGMENTS A Class 1-S Transportation Corp., Middletown. $1,924 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. A.B.C. Pool and Spa Service Inc., Hurley. $555 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 5. Applewood Orchards LLC, Warwick. $1,334 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Archer Electric, Monroe. $1,658 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Butterﬂy Botanicals Inc., Pine Bush. $137 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 5. Carmine’s Bakery Inc., Middletown. $1,107 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Franz Auto Service Inc., New Paltz. $17,855 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 5. Genesis Home Innovations LLC, Newburgh. $1,737 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Georges Pools Inc., New Windsor. $4,868 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Hudson Valley Tent Rental Company Inc., Montgomery. $5,713 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Ivy Rock Farms LLC, New Windsor. $6,837 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. JNR Steel Construction LLC, Chester. $12,586 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27.

FACTS La Esquina, Middletown. $4,476 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Latino Foods Inc., Florida. $482 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Monroe’s What’s Hot Inc., Monroe. $2,024 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Northeast Advance Technologies Inc., Cornwall. $1,963 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Partition Street Wine Shop Inc., Saugerties. $654 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 5. Premier Asset Services Inc., Newburgh. $1,466 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. R. Bittman Blacktopping Inc., Monroe. $1,307 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Satisfaction Repair Inc., Monroe. $1,032 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. The Very Best Preschool LLC, Middletown. $5,285 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Tony’s Taxi MD Transportation Inc., Newburgh. $4,510 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Top Catz Business Center and Repairs LLC, Middletown. $3,505 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Villa Frances at the Knolls Inc., Warwick. $1,120 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Vitanellas Eatery and Pizzeria, Newburgh. $4,928 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. Won Enterprises Inc., Newburgh. $11,729 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27. X Kandalo Inc., Newburgh. $891 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Nov. 27.

FIGURES Cook, Cynthia K. Anderson, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $149,400 affecting property located at 8 Serenity Road, Greenwood Lake 10925. Filed July 9.

The following ﬁlings indicated a legal action has been initiated, the outcome of which may aﬀect the title to the property listed.

Bhatti, Mohammad Ayub, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 257 North St., Middletown 10940. Filed July 8.

Ace Rustprooﬁng Inc., et al. Filed by Aurora Bank FSB. Action: seeks to foreclose on a mortgage to secure $700,000 affecting property located at 272 Route 17K, Newburgh 12550. Filed July 14.

Birnbryer, Cheryl, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $171,000 affecting property located at 7 N. Woodland Circle, Monroe 10950. Filed June 26.

Adams, Gloria D., et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 34 Roe St., Newburgh 12550. Filed July 9.

Boland, Stephanie, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $316,000 affecting property located at 364 Ridge Road, Highland Mills 10930. Filed July 10.

Drobner, Alan, individually and on behalf of the estate of Eleanor Drobner, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $322,500 affecting property located at 262 Van Ness St., Newburgh 12550. Filed July 2.

Andersen, Sharon C., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $169,000 affecting property located at 113 Mountain Ave., Highland Falls 10928. Filed July 2.

Buono, Lisa M., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $214,625 affecting property located at 22 Van Buren St., Warwick 10990. Filed July 13.

Dudley, Demetrius, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $280,000 affecting property located at 73 Wickham Ave., Goshen 10924. Filed July 2.

Avila, Hector P., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $249,000 affecting property located at 14 Bonnell St., Middletown 10940. Filed June 26.

Burgher, Rosandre, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $306,348 affecting property located at 112 Anna Court, Wallkill 10941. Filed June 30.

Dutton, Ronald, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $300,633 affecting property located at 5 Beers Drive, Middletown 10940. Filed June 29.

Ayala, Elizabeth, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $265,000 affecting property located at 27 Hillside Drive, Highland Mills 10930. Filed June 30.

Camacho, Raymond, et al. Filed by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure $225,985 affecting property located at 136 Linden Ave., Middletown 10940. Filed July 9.

Esposito, Andrew, et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $78,795 affecting property located at 164 Henry St., Kingston 12401. Filed Feb. 9.

Baal, Eric P., et al. Filed by Wells Fargo Financial Credit Services New York Inc. Action: seeks to foreclose on a mortgage to secure $309,435 affecting property located at 5 Holts Lane, Cornwall-on-Hudson 12520. Filed July 8.

Chan, Cathy, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $460,000 affecting property located at 40 Valley View Drive, Chester 10918. Filed July 9.

Evans, Elizabeth A., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $222,700 affecting property located at 390 Angola Road, Cornwall 12518. Filed June 26.

LIS PENDENS

Banﬁeld, Marc, et al. Filed by Affinity Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $104,200 affecting property located at 3 60 Ruth Court, Middletown 10940. Filed July 6. Bartley, Keith, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $270,300 affecting property located at 5 Flemming Drive, Newburgh 12550. Filed July 10. Bates, Devin J., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $287,000 affecting property located at 469 Mullock Road, Greenville 12771. Filed July 9. Baum, Leanne, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 90 Jacobs Road, Westtown 10998. Filed July 13. Bennett, Tammy L., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $85,000 affecting property located at 104 Brookline Ave., Middletown. Filed July 6.

Clovis, Cheryl, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $274,500 affecting property located at 5 Georges Road, Middletown 10941. Filed July 1. Colangelo, Richard W., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $344,000 affecting property located at 14 Wurts Ave., New Paltz 12561. Filed Feb. 9. Colarte, Damian, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $417,000 affecting property located at 2078 Independence Drive, New Windsor 12553. Filed June 30. Colegrove, Carol, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $244,000 affecting property located at 1323 Mountain Road, Port Jervis 12771. Filed July 6. Como, Anthony, et al. Filed by Citizens Bank N.A. Action: seeks to foreclose on a mortgage to secure $167,000 affecting property located at 24 Division St., Warwick 10990. Filed July 2. Conklin, Heather, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $159,000 affecting property located at 9 Fair Oaks Road, Middletown 10940. Filed July 9.

Dehaven, Mark, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $96,000 affecting property located at 41 Weathervane Drive, Unit G-4, Washingtonville 10992. Filed July 8.

Fanelli, Michael J., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $105,000 affecting property located at 32 Maharay Lane, New Windsor 12553. Filed June 26. Fuller, Vandel C., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $246,500 affecting property located at 145 Vineyard Ave., Highland 12528. Filed Feb. 10. Galterio, Silvio, et al. Filed by E*Trade Bank. Action: seeks to foreclose on a mortgage to secure $435,000 affecting property located at 98 Pine Island Turnpike, Warwick 10990. Filed July 7. Gatzen, Edward, et al. Filed by BankUnited N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 181 Ball St., Port Jervis 12771. Filed July 6. George, Ignatius P., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $189,000 affecting property located at 718 Hewitt Lane, New Windsor 12553. Filed June 29.

Giannino, Matthew Anthony Jr., individually and as administrator and heir at law of the estate of Sharon Martha Hanson, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 32 Kain Road, Warwick. Filed July 8. Glorioso, Ana, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $105,000 affecting property located at 55 Tanager Road, Apt. 5501, Monroe 10950. Filed June 29. Gonzalez, Frank K., et al. Filed by Wilmington Trust N.A. Action: seeks to foreclose on a mortgage to secure $201,200 affecting property located at 214 Prospect Ave., Maybrook 12543. Filed July 13. Grimes, Darrick, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 23 Stacy Lee Drive, Newburgh 12550. Filed July 8. Heirs and distributees of the estate of Mary Ann Maines, et al. Filed by Citi Bank N.A. Action: seeks to foreclose on a mortgage to secure $262,500 affecting property located at 31 Penstock Lane, Unit 36, Lake Katrine 12449. Filed Feb. 8. Houghtalin, Gregory G., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $144,000 affecting property located at 13 Roosevelt Place, Newburgh 12550. Filed July 2. Jackowitz, Richard I., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $840,975 affecting property located at 10 Knollcroft Terrace, Warwick 10990. Filed June 30. Jourdan, Margareth, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $400,000 affecting property located at 5 North Gate, Goshen 10924. Filed July 14. King, Barbara, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 59 Mulberry St., Middletown 10940. Filed July 14. Knowlton, Miranda, individually as heir and as administratrix of the estate of Harry W. Knowlton, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $132,000 affecting property located at 13 Elmhurst Ave., Newburgh 12550. Filed July 6. Lask, Scott, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $309,000 affecting property located at 9 Colony Drive, Monroe 10950. Filed July 10.

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Lee, Kristy Y., et al. Filed by The Bank of New York Mellon Trust Company N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 104 Edward Place, Monroe 10950. Filed July 10. Lingat-Marocco, Camille, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 7 Lexington Hill, Unit 2, Monroe 10926. Filed June 30. Lippincott Funeral Chapel Inc., et al. Filed by Orange County Trust Co. Action: seeks to foreclose on a mortgage to secure $423,484 affecting property located at 107 Murray Ave., Goshen. Filed July 14. Lippincott-Ingrassia Funeral Home Inc., et al. Filed by Orange County Trust Co. Action: seeks to foreclose on a mortgage to secure $384,000 affecting property located at 92 Main St., Chester. Filed July 14. Loeb, Keith D., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $155,000 affecting property located at 201 Wisner Ave., Middletown 10940. Filed July 1. London, Elijah, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $130,709 affecting property located in Kingston. Filed Feb. 9. Lothian, Violet, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $147,600 affecting property located at 8 Little Monument St., Newburgh 12550. Filed July 10. Maguire, Daniel F., et al. Filed by Wells Fargo Financial Credit Services New York Inc. Action: seeks to foreclose on a mortgage to secure $162,240 affecting property located at 618 Homestead Ave., Maybrook 12543. Filed July 14. Maher, Mary, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $256,500 affecting property located at 389 Neversink Drive, Deerpark 12771. Filed July 9. Maldonado, Henry, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $229,071 affecting property located at 546 Pocatello Road, Middletown 10940. Filed July 2. Mansﬁeld, Jerry, as heir at law and next of kin of Lucille C. Mansfield, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 4 Oak Ridge Road, Middletown 10940. Filed July 6. Marrero, Israel, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $240,933 affecting property located at 3 Valley View Drive, New Windsor. Filed July 7.

FEBRUARY 22, 2016

FACTS

FIGURES

Martin, Andrew L., et al. Filed by Keybank N.A. Action: seeks to foreclose on a mortgage to secure $63,500 affecting property located at 43 Parish Lane, Lake Katrine 12449. Filed Feb. 10.

Palazzolo, Stephen T., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 17 Lexington Hills, Harriman 10926. Filed July 10.

Rosario, Ricardo, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $135,000 affecting property located at 13 Ash Ave., New Windsor 12553. Filed July 6.

Stackhouse, Doral R., et al. Filed by Citizens Bank N.A. Action: seeks to foreclose on a mortgage to secure $105,200 affecting property located at 136 Third St., Newburgh 12550. Filed July 13.

Mazzarella, Giosue A., et al. Filed by Beneficial Homeowner Service Corp. Action: seeks to foreclose on a mortgage to secure $377,518 affecting property located at 17 Forest Hill Road, New Windsor 12553. Filed July 10.

Papp, Evangeline, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $202,400 affecting property located at 13-15 Spring St., Middletown 10940. Filed July 2.

Santiago, Madelaine, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $186,894 affecting property located at 43-45 Gardner Ave., Middletown 1940. Filed July 10.

Suﬂita, Lori, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 40 Winchester Drive, Monroe 10950. Filed July 2.

McCarren, Kevin, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $212,500 affecting property located at 183 North St., Newburgh. Filed July 14.

Paron, Robert M., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $63,750 affecting property located at 97 Dupont Ave., Newburgh 12550. Filed July 1.

Santos, Bienvenido, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $294,500 affecting property located at 17 Milo Drive, Middletown 10941. Filed July 1.

McIntosh, Robert, et al. Filed by IndyMac Venture LLC. Action: seeks to foreclose on a mortgage to secure $89,000 affecting property located at 8 Trout Road, Greenwood Lake. Filed July 1.

Parrello, Tanya, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $190,000 affecting property located at 59 Orchard Trail, Monroe 10950. Filed July 10.

Scott, Troy, et al. Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 67 Heaton Road, Chester 10950. Filed July 14.

Taveras, Carlos J., et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 28 Third St., Wallkill 10940. Filed July 6.

McLoughlin, Brian K., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 239 Daniher Ave., New Windsor 12553. Filed July 6.

Pelella, Dana C., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 68 Little York Road, Warwick 10990. Filed June 26.

Segarra, David, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $335,687 affecting property located at 118 Orchard Terrace, Monroe 10950. Filed July 14.

Taylor, James, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 55 Williams St., Newburgh 12550. Filed June 30.

Mosher, Clarence L., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $84,450 affecting property located at 35 Vans Terrace, Lake Katrine 12449. Filed Feb. 10.

Pence, Richard, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $460,750 affecting property located at 174 Pressler Road, Wallkill 12589. Filed July 10.

Shelley, Joseph, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $164,047 affecting property located at 27 Lexington Hill, Unit 3, Monroe 10926. Filed July 13.

Taylor, Mitchell L., et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $240,000 affecting property located at 188-192 Pike St., Port Jervis 12771. Filed July 8.

Muhlrad, Tawnya, Orange County commissioner of finance as administrator of the estate of Beverly Conkling, et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $270,000 affecting property located at 134 High Barney Road, Middletown 10940. Filed July 14.

Piscopo, Lynn A., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $260,000 affecting property located at 5 Hudson Lane, Highland 12528. Filed Feb. 5.

Simmons-Murray, Andrea, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $216,000 affecting property located at 18 Beers Drive, Middletown 10940. Filed July 8.

Murphy, Kevin M., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 9 Merriewold Lane South, Monroe 10950. Filed June 29. Nacianceno, Ryan, et al. Filed by SRP 2014-2 LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 23 Buckingham Drive, Newburgh. Filed July 8. Nilsen, Kevin E., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $255,000 affecting property located at 78 Eatontown Road, Middletown 10940. Filed June 29. Olwell, Kevin, et al. Filed by Residential Credit Solutions Inc. Action: seeks to foreclose on a mortgage to secure $224,000 affecting property located at 607 Crab Apple Lane, Unit 38, New Windsor 12553. Filed July 2. Oppewall, Roy, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $112,000 affecting property located at 1207 Deerfield Road, Chester 10950. Filed June 29.

FEBRUARY 22, 2016

Tarpley, Robert Scott, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $201,286 affecting property located at 23 Oak Drive, Middletown 10940. Filed July 9.

Terrazola, Jose P. II, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $332,000 affecting property located at 2656 Liberty Ridge, New Windsor 12553. Filed July 9.

Potter, Victor M., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 1 Connolly Way, Newburgh 12550. Filed July 8.

Slattery, Evan G., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $285,000 affecting property located at 52 Highland Woods Blvd., Highland Mills 10930. Filed July 10.

The estate of George W. Van Houten, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $105,000 affecting property located at 65 Silver Springs Road, New Windsor 12553. Filed July 6.

Quinones, Jacqueline, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 56 Williams Ave., Newburgh 12550. Filed July 13.

Smith, Daniel J., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $118,720 affecting property located at 6 Maple St., Rifton 12429. Filed Feb. 9.

Tierney, Kelly, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $155,000 affecting property located at 11 Fifth Ave., Newburgh 12550. Filed July 2.

Remo, Martin T., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $408,896 affecting property located at 108 High St., Monroe 10950. Filed July 9.

Smith, Karl, et al. Filed by Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $330,000 affecting property located at 272 W. Mombasha Road, Monroe 10950. Filed July 10.

Rodriguez, Ramon E., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $313,600 affecting property located at 908 Mountain Road, Port Jervis 12771. Filed July 6. Roeber, Jessica L., et al. Filed by Mid-Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $229,000 affecting property located at 17 Birchwood Drive West, Saugerties 12477. Filed Feb. 5.

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Soto, Samuel Jr., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 138 Vails Gate Heights Drive, New Windsor 12553. Filed July 9. Spann, Taira, as heir at law to the estate of Douglas Spann, et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $151,210 affecting property located at 14-16 Lafayette Ave., Middletown 10940. Filed July 10.

Urena, Richard A., et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $180,420 affecting property located at 26 Chestnut St., Middletown 10940. Filed July 10. Velez, Kristen M., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $190,086 affecting property located at 6 Clove Road, Salisbury Mills 12577. Filed July 6. Xcel Development LLC, et al. Filed by Hometown Bank of the Hudson Valley. Action: seeks to foreclose on a mortgage to secure $2.9 million affecting property located at 501 Mount Airy Road, New Windsor. Filed July 7. Zajac, Joseph J., individually and surviving spouse of Helen M. Zajac, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $255,000 affecting property located at 780 Pulaski Highway, Goshen 10924. Filed July 14.

Zeidieh, Sana A., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $260,910 affecting property located at 205 Cambridge Court, New Windsor 12553. Filed July 8.

NEW BUSINESSES This paper is not responsible for typographical errors contained in the original ﬁlings.

Partnerships Esmeralda and Francisco Cruz Cleaning Service, 797 Broadway, Newburgh 12550, c/o Esmeraldo Cruz and Francisco Cruz. Filed Feb. 18.

Sole Proprietorships A and B Cleaning Services, 1 Williamsburg Drive, Newburgh 12550, c/o Alicia Duncan. Filed Feb. 10. Align Rehabilitation Services, 262 Stickles Terrace, Kingston 12401, c/o Elena M. Bryant. Filed Feb. 10. All Around Trucking, 16 Liberty St., Newburgh 12550, c/o Raymond Sims. Filed Feb. 10. Alpine Financial Services, 5 June Road, Chester 10918, c/o Alan R. Michels. Filed Feb. 18. Anthony Bachor Construction, 28 Fischer Ave., Kingston 12401, c/o Anthony John Bachor. Filed Feb. 8. B and S Home Improvement Service, 22 Sixth Road, Greenwood Lake 10925, c/o Boris Velichko. Filed Feb. 11. B Sparkles Cleaning Services, 113 Williamsburg Court, Newburgh 12550, c/o Babacar Pascal Diop. Filed Feb. 11. Chess Club, 62 N. Montgomery St., Walden, c/o Dennis Richard Putman. Filed Feb. 11. DET Insurance Services, P.O. Box 292, Harriman 10926, c/o Dorene E. Thompson. Filed Feb. 17. Express Wildlife, 320 Chestnut Hill Road, Stone Ridge 12484, c/o Brian John O’Connell. Filed Feb. 10. Eye In The Sky, 21 Quick Road, High Falls 12440, c/o Michael J. Bush. Filed Feb. 9. God’s World Wide Web, 1168 Lakes Road, Monroe 10950, c/o Glenn H. Medley. Filed Feb. 17. Hair and Make-up Veil, 40 Sherwood Drive, Wallkill 12589, c/o Elaine Parisi. Filed Feb. 9. IP Construction Services, 124 N. Main St., Monroe 10950, c/o Ivan Petrovskyy. Filed Feb. 9.

J and J Services, 6 First St., Cornwallon-Hudson 12520, c/o Joseph F. McCormack III. Filed Feb. 18. John Luedke Trading, 335 Sarah Wells Trail, Goshen 10924, c/o John Luedke. Filed Feb. 11. Kanoﬀ Farms, 118 Highland Lakes Road, Wallkill, c/o Joseph H. Kanoff. Filed Feb. 18. Kingston Alteration Center, 20 Thomas St., Suite 104, Kingston 12401, c/o Kathleen M. Esposito. Filed Feb. 8. KMV’s Windows and Doors Supplier, 127-129 Canal St., Ellenville 12428, c/o Mohi Uddin Khan. Filed Feb. 5. La Cocina de Javier, 20 Smith Clove Road, Central Valley, c/o Jorge Javier Quezada Armijo. Filed Feb. 10. Mod, 294 Main St., Cornwall-onHudson, c/o Sheree Morrison. Filed Feb. 10. Movement and Characters, 71 Main St., Second floor, New Paltz 12561, c/o Hettie Barnhill. Filed Feb. 5. Murphy Construction, 8 Rose St., Port Jervis 12771, c/o Christopher George Murphy. Filed Feb. 18. Old Wood and Rust, 12 Sargent Road, Warwick, c/o William H. Rieschl. Filed Feb. 13. On The Run Café, 731 Neely Town Road, Montgomery, c/o Giuseppe Aiosa. Filed Feb. 17. Pete’s Projects, 61 Liberty St., Kingston 12401, c/o Peter T. Craig. Filed Feb. 10. Pope Consulting Services, 345 Shelly Road, New Windsor 12553, c/o John Franklin Pope Jr. Filed Feb. 11. Quest Deli and Grocery, 188 Broadway, Newburgh, c/o Darham A. D. Algohim. Filed Feb. 17. Roma Printing, 280 Route 211 East, Middletown, c/o Albert L. Cromwell. Filed Feb. 17. Shoelace King, 6 Coach Lane, Newburgh, c/o Almando Tingling Jr. Filed Feb. 17. Sotrendee, 37 Burnett Way, Washingtonville, c/o Angelia Cabrera. Filed Feb. 18. SRJ Mechanical, 181 N. Drury Lane, Newburgh 12550, c/o Scot Alan Jenson. Filed Feb. 13. Train Your Brain, 208 Village Court, Kingston 12401, c/o Kimberly A. Kross. Filed Feb. 9. Windsor Gate Rentals, 160 Dickerson Ave., Montgomery 12549, c/o Kathryn A. Wilhelm. Filed Feb. 13. Woodside Blue Preserves, 46 Woodside Drive, Warwick, c/o Amanda Madlyn Steng. Filed Feb. 17.

Supporting the Growth of Family-Owned Businesses. That’s Sterling. Sterling National Bank is committed to serving the needs of family-owned businesses in Westchester County, and we are proud to be a sponsor of Westfair’s Family-Owned Business Awards. We provide a full range of banking solutions, from traditional lending and lines of credit, cash management tools, and SBA loans to asset-based lending and factoring. We understand the unique challenges faced by businesses like yours, and we apply a seasoned expertise and a thorough understanding of the Westchester marketplace to serve as your financial ally. With a single point of contact who makes sure all of your banking needs are met, you’ll have a dedicated source for expert guidance, personalized service, and comprehensive support. Count on us to help you find the solutions that are right for you.

Expect extraordinary.

Member FDIC

Lynn Bagliebter Market President Westchester Office: 914-768-6821 lbagliebter@snb.com

21 Scarsdale Road Yonkers, NY 10707 snb.com

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FEBRUARY 22, 2016

LEGAL NOTICES Notice of Formation of St. Markís Place Holdings CVII, LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 12/2/15. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o The LLC, 487 East Main St., Ste. 107, Mt. Kisco, NY 10549-3420. Purpose: any lawful activity. #60381 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: DIVINE ARM INTERNATIONAL ENTERPRISES, LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 09/25/15. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: 76 Briggs Avenue, Yonkers, NY 10701, (the principal business location of the LLC). Purpose: LLC may engage in any lawful act or activity for which a limited liability company may be formed. #60384 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC) NAMED: After Five Heating Service, LLC articles of organization were filed with the Secretary of State of New York (SSNY) on January 5, 2016. Office Location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to the LLC at 214 North Terrace Avenue, Mt. Vernon, NY 10550 principal business location of the LLC. Purpose: Any lawful business activity. #60385 Mary Jane Pastor Realty, LLC, a domestic LLC, filed with the SSNY on 12/21/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 60 E. Hartsdale Ave., Hartsdale, NY 10530. General purpose. #60386 NOTICE OF FORMATION of BRENNAN HHH LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 12/14/2015. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 2200 Saw Mill River Road, Yorktown Heights, NY 10598. Purpose: any lawful activity. The LLC is to be managed by one or more managers. #60387 Notice of Formation of 96 FOREST LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 12/17/15. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: The LLC, 27 Nursery Lane, Rye, NY 10580. Purpose: any lawful activity. #60388 Notice of Formation of MICAMA Realty Group, LLC Art. Of Org. filed with SSNY on 12/23/15. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 399 Knollwood Rd Suite G10 White Plains, NY 10603. Purpose: any lawful purpose. #60389 44 Pocantico LLC, a domestic LLC, filed with the SSNY on 12/31/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 108 Hunter Dr., Cranberry Township, PA 16066. General purpose. #60390 Chez Moi LLC, a domestic LLC, filed with the SSNY on 1/11/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Law Offices of Michael H. Kane, 240 W. 35th St., Ste. 504, NY, NY 10001. General purpose. #60391

FEBRUARY 22, 2016

NOTICE OF FORMATION of Food Allergy Resource Group, LLC. Articles of Organ. filed w/ SSNY on 12/8/2015. Location: Westchester Cty. SSNY designated as agent for service of process on LLC and may mail a copy of any process c/o InCorp Services, 99 Washington Ave, Ste805-A, Albany, NY12210. Purpose: Any lawful purpose. #60392 62 Beekman VRC LLC, a domestic LLC, filed with the SSNY on 1/15/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, P.O. Box 487, Tarrytown, NY 10591. General purpose. #60393 Transform Fitness & Training LLC, a domestic LLC, filed with the SSNY on 12/16/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 125 Columbus Ave., Tuckahoe, NY 10707. General purpose. #60394 Notice of Formation of Maintenance Solutions Network, LLC Art. Of Org. filed with SSNY on 9/15/15. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, United States Corporation Agent, Inc., 7014 13th Avenue Suite 202, Brooklyn NY 11228. Purpose: any lawful purpose. #60395 Notice of Formation of Design Evolution LLC. Art. Of Org. filed with SSNY on 12/7/15. Offc. Loc: Westchester County. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 26 The Hamlet, Pelham Manor, NY 10803. Purpose: any lawful purpose #60396 Notice of Formation of Topsy Turvy Yogi, LLC. Arts. of Org. filed with SSNY, NYS Department of State, Westchester County on 12/10/15. Office location: Westchester Cty. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to c/o United States Corporation Agents, Inc., 7014 13th Avenue, Suite 202, Brooklyn, NY 11228. Purpose: Any lawful purpose. #60398 NOTICE OF FORMATION OF DORMIE VENTURES, LLC. Articles of Organization filed with the Secretary of State of New York (SSNY) on August 11, 2015. Location: Westchester County. SSNY designated as agent for service of process on LLC. SSNY shall mail a copy of process to: c/o United States Corporation Agents, Inc., 7014 13th Avenue, Suite 202, Brooklyn, NY 11228. Purpose: Any lawful purpose. #60399 Notice of Formation of Mint2 Creative, LLC Art. Of Org. filed with SSNY on 1/11/16. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 450 Secor Rd, Hartsdale, NY 10530. Purpose: any lawful purpose. #60400 15 Hudson, LLC, a domestic LLC, filed with the SSNY on 1/19/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Marko Rudovic, 8 Old Post Rd South, Croton on Hudson, NY 10520. General purpose. #60402 6-8 Chester LLC, a domestic LLC, filed with the SSNY on 11/2/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, c/o Anthony R. Tirone, Esq., P.C., 202 Mamaroneck Ave., Ste. 500, White Plains, NY 10601. General purpose. #60403

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HTC Partners LLC, a domestic LLC, filed with the SSNY on 9/22/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 740 St. Nicholas Ave., 2nd Fl., New York, NY 10031. General purpose. #60404 NOTICE OF FORMATION of Positiv Advertising, LLC. Arts. Of Org. filed with SSNY on 1/7/16. Office in Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC: 169 Grace Church Street, Rye, NY 10580. Purpose: any lawful purpose. #60405 Notice of Formation of Green THumb Enterprises, LLC, a domestic limited liability company. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 01/08/16. NY Office location: Putnam County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail a copy of process to the LLC at 4 Collier Drive East, Carmel, NY 10512. Purpose: For any lawful purpose. #60406 180-190 EBPR LLC, a domestic LLC, filed with the SSNY on 9/5/14. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Sunanda Majumder, 180-190 East Boston Post Rd., Mamaroneck, NY 10543. General purpose. #60408 LEGAL NOTICE OF FORMATION OF PARANDA MEDIA, LLC, ARTS OF ORG. filed with Sectíy of State of NY (SSNY) on 4/11/2006. Office in Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served, SSNY shall mail process to: 80 Vaughn Ave, New Rochelle, NY 10801. Purpose: any lawful activity. #60409 Notice of Formation of 63 BOBOLINK ROAD LLC amended to BRYN MAWR LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 9/11/15. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: The LLC, 63 Bobolink Road, Yonkers, NY 10701. Purpose: any lawful activity. #60410 Notice of Formation of NEW VENEZIA LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 1/20/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: Mirsky and Associates, PLLC, 303 South Broadway, Ste. 222, Tarrytown, NY 10591. Purpose: any lawful act or activity. #60411 Notice of Formation of PM GROUP HOLDINGS LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 11/17/15. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: PM Group Holdings LLC, Attn: Glenn Friedman, 333 Westchester Avenue, East Building-Suite E-1101, White Plains, NY 10604. Purpose: any lawful act or activity. #60412 NOTICE OF FORMATION OF HCR DESHE GROUP LLC ( LLC ) Articles of Org. filed with NY Sec. of State (SSNY) on 12/16/2015. Office location: Westchester County. SSNY is designated as agent for service of process. SSNY shall mail process to: The LLC, 54A Tora Road, Mount Kisco, NY 10549. Purpose: Any lawful activity. #60414

Notice of Formation of 9 Overlook, LLC, a domestic Limited Liability Company (LLC). Articles of Organization filed with the Secretary of State of NY (SSNY) on 01/05/2016. NY Office location: WESTCHESTER County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail a copy of any process against the LLC served upon him/her to The LLC, 501 East 79th Street, #10E, New York, New York 10075. Purpose: Any lawful act or activity #60415 Notice of Formation of PM BUSINESS ADVISORS LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 11/3/15. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: PM Business Advisors LLC, Attn: Christopher Vignone, 333 Westchester Avenue, East BuildingSuite E-1101, White Plains, NY 10604. Purpose: any lawful act or activity. #60416 Notice of Formation of 1919 PALMER AVENUE LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 12/21/15. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: One New King Street, Suite 201, West Harrison, NY 10604. Purpose: any lawful act or activity. #60417 Notice of Formation of DAGONIT LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 1/7/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 20 Byram Lake Road, Mt. Kisco, NY 10549. Purpose: any lawful act or activity. #60418 Notice of Formation of Travellati LLC Art. Of Org. filed with SSNY on 1/22/16. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 11 Woodland Avenue, Tarrytown, NY 10591. Purpose: any lawful purpose. #60420 Imagine Noel LLC, a domestic LLC, filed with the SSNY on 1/28/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Joan Jones, P.O. Box 270, 222 Purchase St., Rye, NY 10580-2101. General purpose. #60421 Notice of Formation of Limited Liability Company(LLC) Statewide Tile and Marble, LLC Articles of Organization filed with the Secretary of State of New York on 11/17/2015. Office located in Westchester County. SSNY designated as agent upon which process may be served. Secretary of State shall mail a copy of any process against it served upon him to 110 Northmore Dr Yorktown Heights NY 10598, principal business location of the LLC. Purpose:any lawful business activity. #60422 Good Ole American Property Management, LLC, a domestic LLC, filed with the SSNY on 1/8/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Joseph Cotone, 3334 Sycamore Ln., Yorktown Heights, NY 10598. General purpose. #60423

Name of LLC: O.S. Home Improvement LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 02/01/2016. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to 629 Viewland Dr. Yorktown Heights. NY 10598 principal business location of the LLC. Purpose: any lawful business activity. #60424 Wright Fitness LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 10/22/2015. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to 113 Stone Oaks Drive Hartsdale, NY 10530 principal business location of the LLC. Purpose: Health and Fitness training facility. #60425 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: Zucchero LLC, Articles of Organization were filed with the SSNY on 01/29/16. Office location: Westchester County. SSNY has been designated as agent of the Zucchero LLC upon whom process against it may be served. SSNY shall mail a copy of process to: Zucchero LLC, 74 Whippoorwill Road, Armonk, New York 10504 (principal business location). Purpose: any lawful business activity. #60426 System 2 Consulting, LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 01/14/06. Office located in Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to 23 Stonewall Circle, White Plains, New York 10607, primary business location of the LLC. LLC may engage in any lawful act or activity for which a limited liability company may be formed. #60427 Notice of Formation of Zplay, LLC Art. Of Org. filed with SSNY on 12/9/15. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 5 Brady Rd Mt.Kisco, NY 10549. Purpose: any lawful purpose. #60428 Notice of formation of Brathwaite Blaque, LLC. Articles of Organization filed with Secretary of State of New York (SSNY) on 11/23/2015. NY office location: Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC 138 Fields Lane, Peekskill, NY 10566. Any lawful act or activity. #60429 2449 Esplanade LLC, a domestic LLC, filed with the SSNY on 2/8/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to John Silletta, 204 Park Dr., Eastchester, NY 10709. General purpose. #60430 NOTICE OF ANNUAL REPORT - Notice is hereby given that the 2014 report for the year ending June 30, 2015, of the Michel David-Weill Foundation is available for inspection at its principal office, c/o Bruce Oberfest & Associates, P.O. Box 318, Chappaqua, New York 10514, during regular business hours by any citizen who requests it within 180 days after the date of this publication. The Foundationís principal manager is Michel David-Weill,914-238-3800 #60431 Notice of Formation of AW876URIAHS Construction, LLC Art. Of Org. filed with SSNY on 01/11/2016. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 9 Warren Place, Mount Vernon NY 10550. Purpose: any lawful purpose. #60432

Notice of Formation of DANIEL H. ROSEMAN, ESQ., PLLC. Art. Of Org. filed with New York Secy of State (SSNY) on 1/27/2016. Office located in Westchester County. SSNY designated as agent upon whom process may be served. SSNY shall mail a copy of any process against it served upon him/her to 480 Halstead Ave. Apt. 4k Harrison, NY 10528. Purpose: any lawful activity. #60433

BlueSea Consulting, LLC Articles of Organization were filed with the NY Secretary of State on 02/09/2016. Office located in Westchester County. Secy. of State has been designated as the agent of the LLC upon which process against it may be served. SSNY shall mail a copy of process to the principal business location: 9 Hidden Pond Drive, Rye Brook, NY 10573. Purpose: any lawful business activity. #60437

Notice of Formation of On Wholesale Parts LLC Art. Of Org. filed with SSNY on 2/10/16. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, On Wholesale Parts LLC 701 Ridge Hill Blvd Unit 4A, Yonkers, NY 10710. Purpose: any lawful purpose. #60434

Notice of Formation of UP ñ N ñ UP, LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 1/26/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Daniel Hathaway, 2299 Maple Avenue, Cortlandt Manor, NY 10567. Purpose: any lawful act or activity. #60439

Rye Pediatric Specialties, PLLC, a domestic PLLC, Arts. of Org. filed with the SSNY on 1/26/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the PLLC may be served. SSNY shall mail process to The PLLC, 150 Purchase St., Ste. 8, Rye, NY 10580. Purpose: Medicine. #60435 43 Sanford Street LLC, a domestic LLC, filed with the SSNY on 2/11/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 339 Rye Beach Ave., Rye, NY 10580. General purpose. #60436

Notice of Formation of CRESCENT SHORE LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 12/22/15. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 9000 Bay Ave., North Beach, MD 20714. Purpose: any lawful act or activity. #60440 NOTICE OF FORMATION OF Brutus Park Creations LLC. Articles of Organization filed with the SSNY on 02/11/2016. Office: Westchester County. SSNY has been designated as agent upon whom process against it may be served. The Post Office address to which the SSNY shall mail a copy of any process against the LLC is: 10 Heather Lane, Elmsford, NY 10523. Principal business address of the LLC is: 10 Heather Lane, Elmsford, NY 10523. Purpose: Any lawful purpose. #60441

SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF WESTCHESTER INDEX NO. 59458/2015 SUPPLEMENTAL SUMMONS Mortgaged Premises: 274 NORTH FULTON AVENUE MOUNT VERNON, NY 10552 Section: 165.39 Block: 1157 Lot: 7 Plaintiff, Plaintiff designates WESTCHESTER as the place of trial situs of the real property. JAMES B. NUTTER & COMPANY, vs. DIANE GHILONI, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF RICHARD STANZIONE; DAISY DEONTNA, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF RICHARD STANZIONE; VICTOR DEONTNA, AS HEIR AND DISTRIBUTEE OF THE ESTATE RICHARD STANZIONE; any and all persons unknown to plaintiff, claiming, or who may claim to have an interest in, or lien upon the real property described in this action; such unknown persons being herein generally described and intended to be included in the following designation, namely: the wife, widow, husband, widower, heirs at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors, and assignees of such deceased, any and all persons deriving interest in or lien upon, or title to said real property by, through or under them, or either of them, and their respective wives, widows, husbands, widowers, heirs at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors and assigns, all of whom and whose names, except as stated, are unknown to plaintiff; THE SECRETARY OF HOUSING AND URBAN DEVELOPMENT; HOFFMAN FUEL COMPANY OF DANBURY, INC.; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE; THE UNITED STATES OF AMERICA, ‘’JOHN DOE #1’’ through ‘’JOHN DOE #12,’’ the last twelve names being fictitious and unknown to plaintiff, the persons or parties intended being the tenants, occupants, persons or corporations, if any, having or claiming an interest in or lien upon the premises, described in the complaint, Defendants. To the above named Defendants YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve a copy of your answer, or, if the complaint is not served with this summons, to serve a notice of appearance on the Plaintiff’s Attorney within Twenty (20) days after the service of this summons, exclusive of the day of service (or within Thirty (30) days after the service is complete if this summons is not personally delivered to you within the State of New York) in the event the United States of America is made a party defendant, the time to answer for the said United States of America shall not expire until Sixty (60) days after service of the Summons; and in case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the complaint. NOTICE OF NATURE OF ACTION AND RELIEF SOUGHT THE OBJECT of the above caption action is to foreclose a Mortgage to secure the sum of Six hundred twentyfive thousand five hundred and 00/100 ($625,500.00) Dollars and interest, recorded on December 26, 2008, at Control Number 483520097, of the Public Records of WESTCHESTER County, New York, covering premises known as 274 NORTH FULTON AVENUE, MOUNT VERNON, NY 10552. The relief sought in the within action is a final judgment directing the sale of the premises described above to satisfy the debt secured by the Mortgage described above. WESTCHESTER County is designated as the place of trial because the real property affected by this action is located in said county. NOTICE YOU ARE IN DANGER OF LOSING YOUR HOME If you do not respond to this summons and complaint by serving a copy of the answer on the attorney for the mortgage company who filed this foreclosure proceeding against you and filing the answer with the court, a default judgment may be entered and you can lose your home. Speak to an attorney or go to the court where your case is pending for further information on how to answer the summons and protect your property. Sending a payment to the mortgage company will not stop the foreclosure action. YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. Dated: January 19, 2016 Westbury, New York RAS BORISKIN, LLC Attorney for Plaintiff BY: Thomas Zegarelli, Esq. 900 Merchants Concourse, Suite 106 Westbury, NY 11590 (516) 280-7675 #60438

THEY’VE BEEN THROUGH THICK AND THIN. NOW HEAR WHAT MADE THEM WIN. FAIRFIELD COUNTY Abercrombie Burns McKiernan & Co. Insurance Agabhumi A-Quick Pick Crane Service, Inc. Bosak Funeral Home Cornerstone Contracting Gerard B. Tracy Associates, Inc. La Jolie Salon & Spa U.S. Chemicals, LLC United House Wrecking, Inc. Méli-Mélo/Bistro V

WESTCHESTER COUNTY Blossom Flower Shops FEA Home Houlihan-Parnes Realtors, LLC Markhoff & Mittman, P.C., The Disability Guys™ Mount Kisco Truck and Auto Parts New Crystal Restoration Thalle Industries, Inc. Tompkins Excavating Valerie Wilson Travel - Purchase White Plains Linen

o y w l i n e m d a F

BUSINESS AWARDS Join us for a networking reception with hearty hors d’oeuvres

and a ceremony — featuring family-owned business insiders — to honor this year’s winners.

INSIDER MICHAEL HARNEY,

INSIDER BRYAN MELLICK,

Vice President, Tea Taster, Harney & Sons Teas

President and CEO, The Hatch & Bailey Company

FEBRUARY 25 • 5:30 P.M. | 1133 WESTCHESTER AVE., WHITE PLAINS | RSVP WESTFAIRONLINE.COM/EVENTS Gold Sponsor

Supporters

Silver Sponsor

Bronze Sponsors

Presented by WESTCHESTER & FAIRFIELD COUNTY

BUSINESS JOURNALS

CONTACT Danielle Brody at 914-358-0757 or dbrody@westfairinc.com for more information.

WCBJ | HV Biz

FEBRUARY 22, 2016

DOWNTOWN’S NEW DIRECTION: WILL SMART GROWTH GET US THERE?

24 MARCH

11:30A.M. TO 1:30P.M. BUFFET LUNCH INCLUDED

Tudor Room Pace University School of Law 78 North Broadway White Plains

FEATURING

PANELISTS

MODERATORS

FORMER GOV. PARRIS GLENDENING

President of Smart Growth America’s Leadership Institute and the Governors’ Institute on Community Design

CO-PRESENTERS

NOAM BRAMSON

ALEX TWINNING

ARTHUR COLLINS II

JOAN MCDONALD

JESSICA A. BACHER

JOHN R. NOLON

Mayor, New Rochelle

CEO and President, Twinning Properties

Co-founding Principal and President of Collins Enterprises LLC

Former Commissioner of the Department of Transportation in NY and Commissioner of Economic and Community Development Department in Connecticut.

Executive Director, Land Use Law Center Adjunct Professor of Law, Pace Law School

Distinguished Professor and Counsel to the Land Use Law Center at Pace Law School

BRONZE SPONSORS

WESTCHESTER & FAIRFIELD COUNTY

BUSINESS JOURNALS

For more information call Danielle Brody at 914-694-3600, ext. 3018, or email dbrody@westfairinc.com.

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