Westchester County Business Journal 031819 by Westfair Business Journal

MARCH 18, 2019 VOL. 55, No. 11

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NEW ROCHELLE CONDEMNATION

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OUT OF BUSINESS

Half-billion-dollar real estate deal

NEIGHBORHOOD OPPOSITION TO 1133 WESTCHESTER AVE. APARTMENTS

MACK-CALI TO SELL $487.5M WESTCHESTER/FAIRFIELD PORTFOLIO TO ROBERT MARTIN AFFILIATE

BY PETER KATZ

BY PETER KATZ pkatz@westfairinc.com

ack-Cali, which had been a major force in the Westchester office and flex-space market, appears to be completing its exit from that market with the sale of a portfolio of properties to RMC Acquisition Entity, LLC, an affiliate of the Robert

Martin Company, LLC. The sale, with a price tag of $487.5 million, is expected to close in the second quarter of this year. There are two definitive agreements covering the 3.1 million square feet of space. The Business Journal obtained a complete list of the buildings involved. There are 56 in all, including those at the Stamford Executive Park in Fairfield County. It is a five-build-

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ing development on West Avenue, just off Exit 6 of Interstate 95 in Stamford. The Stamford Executive Park includes approximately 270,000 square feet of office/flex space. The properties in Westchester include addresses at Westchester Plaza, Executive Boulevard and Clearbrook Road in Elmsford, Skyline Drive in Hawthorne, » MACK-CALI

REPRESENTATIVES OF TWO NEIGHBORHOOD associations in White Plains, along with some residents speaking for themselves, came out against the proposal by Robert Weisz’s Rye Brook-based RPW Group and the Cleveland-based NRP Group to build three five-story buildings housing 303 apartments at Weisz’s 1133 Westchester Ave. office park during a public hearing before the White Plains

Common Council. The apartment development is called “The Flats” and would include 178 one-bedroom apartments, 115 two-bedroom apartments and 10 three-bedroom apartments. When speaking with the Business Journal on March 11, Weisz said he understands that neighbors can have concerns. “I think that neighbors have a natural concern every time a new project is being proposed. Once they become familiar with what we are propos» APARTMENTS

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New Rochelle starts Nardozzi Place condemnation MAIN OFFICE TELEPHONE 914-694-3600 OFFICE FAX 914-694-3699 EDITORIAL EMAIL bobr@westfairinc.com WRITE TO 701 Westchester Avenue, Suite 100 J White Plains, N.Y. 10604

BY BILL HELTZEL bheltzel@westfairinc.com

he city of New Rochelle has formally asked a court to condemn a commercial property that officials have been trying to acquire for two years for a public works facility. The city petitioned Westchester Supreme Court last month for authorization to use eminent domain to seize 54 Nardozzi Place, owned by PSDR Realty Corp. and operated as Auto Sunroof of Larchmont Inc. The petition did not disclose a price. PSDR principal and Auto Sunroof CEO Paul Spadaccini declined to discuss the action, but he has previously questioned whether the city is willing to pay what the property is worth. Auto Sunroof is a car customization shop that has operated on Nardozzi Place since 1985. Spadaccini said two years ago that he had put the property on the market and wanted to move to another location. But when he proposed a $6 million offer, he said, a city official balked. Since then, he said he has received a $6.4 million offer from a self-storage developer. The eminent domain law allows governments to take private property for a public purpose and sets a procedure for

Publisher Dee DelBello Managing Editor/Print Glenn Kalinoski Managing Editor/Digital Bob Rozycki Associate Publisher Anne Jordan Group Associate Publisher Dan Viteri

From left: Auto Sunroof CEO Paul Spadaccini and his son, Dino. Photo by Bill Heltzel.

setting a fair price. The site is alongside Interstate 95 and across the street from Home Depot and Costco. More importantly, it is near 70 Nardozzi Place, where a developer is building a $48 million facility that will include 130,000 square feet for a city public works facility. For more than 10 years, the city has been looking for a new location for its City Yard. The current location at 224 Main St. is contaminated and outmoded and has been set aside for the $300 million Pratt Landing mixed-use development. The ground level at 70 Nardozzi

Place will be used for public works offices and a garage. The second floor will be leased as commercial space to a health club and self-storage facility. But public works needs even more space, according to findings published in 2017. The city wants to use 54 Nardozzi Place, Spadaccini has said, for more offices and a fueling station. Simone Development Cos. of the Bronx and G&S Investors of Port Chester are developing 70 Nardozzi Place. New Rochelle Corporation for Local Development has issued a

$24 million, 32-year, tax-exempt bond issue to pay for building and equipping the public works portion of the project. The city will lease the building from the developers for at least 45 years with options to extend the lease for up to 20 years. The Corporation for Local Development will pay ground rent of $260,000 a year, increasing by 1.65 percent a year. The New Rochelle Industrial Development Agency has granted the developers property tax, sales tax and mortgage tax relief for the commercial part of the project.

Feds, law firm accuse IT officer and associate of stealing $900K BY BILL HELTZEL bheltzel@westfairinc.com

n Orange County duo has been ordered to stop using funds originating from a New Jersey law firm, in a civil lawsuit that dovetails with criminal charges accusing them of stealing $900,000. Budd Larner PC, a Short Hills, New Jersey, law firm, accused Rocco Romeo and Jacqueline Galler of racketeering in a lawsuit filed Feb. 25 in federal court in White Plains. The FBI had accused the pair last month of money laundering and wire fraud. Romeo and Galler did not respond to emails asking for their

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side of the story. Romeo, of Washingtonville, had been Budd Larner’s chief technology officer since 2000, according to his LinkedIn profile. He described his job, in part, as ensuring data integrity and minimizing risk “by maintaining strong IT controls and complying with standards.” Galler, who is also known as Star Galler, lives in Sugar Loaf and runs a yarn store in Monroe. In the criminal case the pair is accused of siphoning law firm funds into personal accounts from August 2015 to December 2018. They incorporated a shell company and set up Paypal, WePay and bank accounts, according to an arrest warrant affidavit by an FBI agent, using

variations of the name Seventech. Then they allegedly invoiced the law firm for technology services and Romeo, as head of IT, paid the bills with his company credit card. When payments arrived in their Paypal or WePay accounts, according to the affidavit, funds were transferred to their bank accounts. Then they allegedly withdrew money from ATMs, made online payments to a credit card or for personal expenses, or transferred funds to other accounts. The law firm discovered excessive spending in its information technology department during a businesswide cost review last summer. Nearly $900,000 in charges to Seventech were flagged for ser-

vices such as data center hosting, virtual private network services and backup solutions that another vendor was providing. The FBI linked the pair by IP addresses and bank accounts registered to their home addresses, cellphone records and surveillance of Romeo leaving Galler’s home. They were released from custody on Feb. 6 after posting $100,000 bonds. U.S. District Judge Cathy Seibel issued a temporary restraining order Feb. 26 in the Budd Larner lawsuit, barring them from accessing or using any of the funds that were “the product of credit card payments made by Romeo through the use of his corporate Budd Larner credit card.”

NEWS Copy and Video Editor • Peter Katz Bureau Chief • Kevin Zimmerman Senior Reporter • Bill Heltzel, Reporters • Ryan Deffenbaugh, Phil Hall, Georgette Gouveia, Mary Shustack Research Coordinator • Luis Flores ART & PRODUCTION Creative Director Dan Viteri Art Director Sebastián Flores Art Director Kelsie Mania Digital Content Director Meghan McSharry ADVERTISING SALES Manager • Anne Jordan Director, Multimedia Marketing and Sales Neale V. Muccio Metro Sales & Custom Publishing Director Barbara Hanlon Account Managers Lisa Cash Events Sales & Development • Marcia Pflug Events Manager • Tracey Vitale AUDIENCE DEVELOPMENT & CIRCULATION Circulation Manager • Sylvia Sikoutris Telemarketing Director • Marcia Rudy ADMINISTRATION Contracted CFO Services Adornetto & Company L.L.C. Human Resources & Payroll Services APS PAYROLL Administrative Manager • Robin Costello Westchester County Business Journal (USPS# 7100) is published Weekly, 52 times a year by Westfair Communications, Inc., 701 Westchester Avenue, Suite 100J, White Plains, NY 10604. Periodicals Postage rates paid at White Plains, NY, USA 10604. POSTMASTER: Send address changes to: Westchester County Business Journal: by Westfair Communications, Inc., 701 Westchester Avenue, Suite 100J , White Plains, NY 10604. Annual subscription $60; $2.50 per issue More than 40 percent of the Business Journal is printed on recycled newsprint. © 2019 Westfair Communications Inc. All rights reserved. Reproduction in whole or in part without written permission is prohibited.

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Spectrum Painting of Eastchester accused of defrauding federal program BY BILL HELTZEL bheltzel@westfairinc.com

he federal government has sued Spectrum Painting of Eastchester for allegedly defrauding the government on contracts to paint the Brooklyn Bridge and Queens Plaza transit facility, by exploiting the Disadvantaged Business Enterprise (DBE) program. In addition to Spectrum Painting, U.S. Attorney Geoffrey S. Berman sued Ahern Painting Contractors Inc. of Woodside, Queens, and Tower Maintenance Corp. of Roslyn, Nassau County, under the False Claims Act on March 6 in federal court in Manhattan. The companies conspired to have Spectrum Painting, which was not certified for the program, do the work for Tower Maintenance, which was certified, according to the complaint. Spectrum allegedly paid kickbacks to Ahern Painting, the prime contractor, and had its workers pose as Tower employees to conceal the deception. Spectrum Painting did not immediately respond to a request for comment. Federally funded highway, bridge and transit projects typically set aside a percentage of the contracts for companies that have been certified as disadvantaged enterprises. The idea is to “create a level playing field,” the complaint states, for “socially and economically disadvantaged individuals.” Since 2009, the Federal Highway Administration has provided more than $335 million to New York City for rehabilitating the Brooklyn Bridge. Ahern won the $150 million painting contract in 2010 and was required to set aside 14 percent of the work for DBE subcontractors. Tower was hired for some of the work. When another DBE contractor had to back out of its part of the job, Ahern had to find a DBE contractor to fill in. Tower, according to the complaint, lacked the expertise and financial resources to take on more work. Ahern, Spectrum and Tower officials knew one another from working on other projects, the government says. The companies allegedly agreed to have Spectrum provide the expertise and resources to do the work and Tower would pay the laborers and follow Spectrum’s directions. By May 2010, the complaint states, Tower’s ostensible part of the project was expanded by more than 10 times the original deal. But it was Spectrum, the complaint states, that estimated project costs, negotiated prices for materials, purchased equipment, hired the workers, scheduled and supervised the work and inspected the work. Spectrum workers allegedly wore Tower vests, used Tower security information and told others at the work site that they were Tower employees. A foreman allegedly acknowledged to a government investigator that Spectrum officials “ran the show.”

Ahern and Tower submitted reports to the main contractor, Skanska Koch Inc., and to the New York City Department of Transportation, allegedly stating that Tower was doing the work. In the Queens Plaza project, the Federal Transit Administration provided more than $9 million to the city and the Metropolitan Transportation Authority. Seventeen percent of the project was designated for DBE contractors.

Queens Plaza contracts and arranged for an Ahern vice president to eat and stay at an Atlantic City casino for free, in 2010 and 2012. The government accused the companies of presenting false claims, using false records, conspiracy and unjust enrichment. The complaint does not identify the individuals who allegedly carried out the schemes or exactly how much money was allegedly obtained fraudulently, but it asks the court for damages to be determined at trial.

In 2010, the MTA awarded the painting contract to Ahern and Ahern subcontracted with Tower. The companies allegedly made the same arrangement as before. Spectrum would supervise, equip and finance the job. Tower would pay the laborers and follow Spectrum’s directions. The government claims that Spectrum kicked back $10,000 to an Ahern superintendent for arranging the Brooklyn Bridge and

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MARCH 18, 2019

New York offers $30M to promote energy-advanced buildings BY PETER KATZ pkatz@westfairinc.com

n an effort to encourage developers to pay more attention to the carbon footprints of their buildings, both newly proposed and already built, New York state has created the “Buildings of Excellence Competition.” Awards of up to $1 million each will go to various winning applicants who have demonstrated that their proposals will result in low-carbon or zero-carbon emitting buildings that provide comfortable, healthy and affordable environments for living and working. The competition, which was announced March 6 by Gov. Andrew M. Cuomo’s office, takes place in three rounds, with $10 million due to be awarded in each round. Applications for the first round, which will concentrate on multifamily

buildings, are being accepted through June 4 and the awards in that round are expected to be made during the summer. The program is being administered by the New York State Energy Research and Development Authority (NYSERDA). Even buildings that are already standing could be eligible to receive some money. Projects that will be considered can be in any of four phases: early design, late design, under construction and post-completion performance optimization. Projects in the early design phase, where the design has not yet been firmed up, are eligible for an award of up to $1 million. If the design has been completed, construction documents are in the process of being created and a building permit is yet to be issued, the competition classifies the project as being in the late

design phase. It would be eligible for an award of up to $750,000. When a building is under construction and a temporary or permanent certificate of occupancy has not been issued, the building would be in the under construction category and eligible for an award of up to $500,000. Projects that have been completed can still qualify for an award of up to $250,000 in the post-completion performance optimization category. Applicants would need to show how enhancements would make a difference in a building’s energy efficiency and emissions. Alicia Barton, president and CEO of NYSERDA, said the competition is “setting the bar for buildings throughout the state and providing the support needed to recognize and advance solutions that will help building owners achieve a low- or net-zero status that delivers environ-

mental and health benefits, reduces energy costs and provides safe, comfortable spaces for all residents and users.” Applying for a funding award, however, is not a matter of simply filling out a form. The applications must be data-driven and demonstrate precisely what results can be anticipated from the proposed designs. They must show how a project will generate interest in and a demand for the construction of advanced clean-energy buildings. The developer must make a commitment to share information related to the project’s design, costs and performance. The application also must detail the architectural and urban design quality and innovation involved in the project. Applications will be scored on: the building’s energy performance; strategies to achieve low-carbon emissions per occupant;

proposed use of advanced clean energy technologies; ease of construction and cost savings in construction, operation and maintenance and economic viability for the market served; quality of building characteristics and design; and how practical it would be for others to replicate what has been done. Developers would be required to provide NYSERDA with periodic reports, including copies of documents related to the project, photos of on-site progress, records related to energy use and narratives discussing why development achieved or failed to achieve the predicted energy-efficient performance. NYSERDA board member Chuck Bell, who also is the program’s director for the advocacy division of Consumer Reports, published by Yonkers-based Consumers Union, expressed optimism that the competi-

tion will produce tangible results by “incentivizing the deployment of advanced building designs and innovative energy efficiency technologies. Low- and zero-carbon residential buildings can directly enhance living conditions for building residents by improving energy efficiency, comfort and habitability. They can also improve air quality for all New Yorkers by reducing air pollution from fossil fuel combustion.” A potential side effect of the competition will be to incorporate what’s learned about the use of new energy efficiency techniques and technologies in advanced building design and updating the New York State Energy Conservation and Construction Code. NYSERDA says the money for the competition will come from the state’s 10-year, $5.3 billion Clean Energy Fund.

CONTRIBUTING WRITER | By Rebecca Madsen

Lessons learned from the digital health revolution

he promise of the digital health revolution is tantalizing: a multitude of connected devices sharing personalized feedback to help people improve their health. Yet, some recent studies have questioned the effectiveness of these resources. While still evolving, many compelling-use cases are starting to emerge for digital health, including a set of best practices to help guide the maturation of this emerging field. Many people may soon gain access to an individual health record, a modern medical record that curates information from multiple sources, including electronic health records, pharmacies and medical claims, to help support physicians in care delivery through data sharing and evidence-based guidelines. As these advances

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become a reality, here are several digital health strategies that consumers, employers and health care innovators should consider:

MICRO-BEHAVIOR CHANGE

Part of digital health’s power is the ability to provide people with actionable information about their health status and behavior patterns. Some of the most successful digital health programs are demonstrating an ability to encourage daily “micro-behavior change” that may contribute to improved health outcomes and lower costs over time. Wearabledevice walking programs can remind people to move consistently throughout the day while offering objective metrics showcasing actual activity patterns and ideally reinforcing positive habits to support sustained change. Technology that encour-

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ages seemingly small healthy habits each day can eventually translate to meaningful improvements. Some health care companies are rewarding their customers for using technology to track their health. UnitedHealthcare has a program called Motion that essentially enables customers to earn financial rewards to lower health care costs just by walking (and tracking that walk).

CLINICAL INTERVENTIONS

Big data is a buzzword often associated with digital health, but the use of analytics and technology is only meaningful as part of a holistic approach to care. Through programs that incorporate clinical intervention and support by care providers, the true value of digital health can be unlocked to help make meaningful differences in people’s well-being.

New programs are featuring connected asthma inhalers that use wirelessly enabled sensors to track adherence rates, including frequency and dosage, and relay that information to health care professionals. Armed with this tangible data, care providers can counsel patients more effectively on following recommended treatments. Rather than simply giving consumers the latest technologies and sending them along, these innovations can be most effective when integrated with a holistic care plan.

REAL-TIME INFORMATION

One key advantage of digital resources, such as apps or websites, is to provide real-time information to consumers and health care professionals. This can help improve how physicians treat people, enabling more

customized recommendations based on personal health history and a patient’s specific health plan. New apps are enabling physicians to know which medications are covered by a person’s health plan and recommend lower-cost alternatives (if available) before the patient leaves the office. The ability to access and act on realtime information can be crucial in using technology to empower health care providers and patients.

FINANCIAL INCENTIVES

While everyone wants to be healthy, sometimes people need a nudge to take that first step toward wellness. The use of financial incentives is helping to drive that engagement and is becoming more widespread by employers and health plans, with targeted and structured rewards proving most

effective. From using mobile apps and comparison shopping for health care services to encouraging expectant women to use a website to follow up on recommended prenatal and post-partum appointments, financial incentives can range from nominal amounts (such as gift cards) to hundreds of dollars per year. Coupling digital health resources with financial rewards can be an important step in getting and keeping people engaged. The digital health market will continue to grow with some studies estimating that the industry will exceed $379 billion by 2024. To make the most of these resources, health care innovators will be well served to take note of these initial concepts. Rebecca Madsen is the chief consumer officer at UnitedHealthcare. She can be reached at 860-702-5766.

IN THE COURT

Elder Law and Estate Planning News from Enea, Scanlan & Sirignano, LLP

Former music executive Robert Jamieson sues broker Hector May for $18M BY BILL HELTZEL bheltzel@westfairinc.com

retired music industry executive and his wife have sued former investment broker Hector A. May and Securities America Inc. for $18 million, claiming that May pretended to be their friend while secretly emptying their brokerage accounts. Robert and Judith Jamieson of Riverside, Connecticut, filed the complaint Feb. 26 in federal court in White Plains. For 17 years, they allege, May, with the assistance of his daughter, Vania May Bell, “repeatedly provided investment advice designed to make it easier for him to steal more.” Securities America failed to properly supervise May and “ignored stark red flags that were identified by its own compliance department,” the complaint states, that “would have exposed the scheme in 2003.” Securities America spokesman Chris Clemens said the company, based in La Vista, Nebraska, does not comment on legal or regulatory matters related to individuals who are no longer affiliated with the firm. A message requesting comment from May was returned as undeliverable. May, of Orangeburg in Rockland County, has accepted responsibility for his actions in other legal forums. Last June, he and his wife, Sonia, consented to a freeze on their personal property and financial accounts, as well as on assets of May’s Executive Compensation Planners business in New City, pending resolution of a criminal investigation. In December he was charged with conspiracy to commit wire fraud and investment adviser fraud. He pleaded guilty and he is scheduled to be sentenced

April 26 in federal court. May also has consented to forfeiting $11,452,185. The U.S. Securities and Exchange Commission filed a civil complaint in December against May and his daughter, Vania, of Montvale, New Jersey, who was controller of his firm. The SEC accuses them of misappropriating at least $7.9 million from 15 clients in a Ponzi scheme. May has consented to SEC demands to cease violating securities laws and to forfeit ill-gotten gains. The charges against Bell are pending. The Jamiesons claim that it was their complaints that exposed the fraud. Beginning in 1970, Robert Jamieson held executive positions at CBS Records, Polygram, BMG and RCA Music Group. He developed and signed superstars such as Bon Jovi, Dave Matthews and Christina Aguilera. Jamieson’s father, Raymond, knew May as a member of the Rockland County Country Club, where the elder Jamieson worked as a golf pro for 25 years. His father set up a trust fund for his grandchildren in 1998, according to the complaint, at May’s urging. Then Robert and Judith Jamieson hired May and opened brokerage accounts at Securities America. They claim that May pretended “to act not just as their trusted financial adviser, but as their close friend.” He attended the graduations and weddings of their three children. When Robert Jamieson suffered a stroke in 2015, May visited him in the hospital. May advised the Jamiesons to open 20 brokerage accounts with Securities America. He directed them to regularly wire funds to a custodial account at Executive Compensation Planners to purchase municipal bonds. But there was no custodial account, the complaint states. The funds went into May’s

company account, were transferred internally and were recorded as “loans payable.” Then May and Bell allegedly sent statements that overstated account balances. The SEC complaint describes the same scheme. Instead of buying bonds, the SEC said, May used clients’ money to pay salaries for himself and his daughter and for personal expenses, including “a limousine driver, country club dues, home remodeling, travel, personal loans to friends, political contributions, a vacation home, and furs and jewelry for his wife.” The Jamiesons claim they deposited $15 million with May from 1998 to 2015. By the end of 2017, the actual value of their Securities America account was about $50,000. Securities America could have stopped most of the losses, they allege. In 2003, the company’s compliance department emailed May and questioned withdrawals totaling $350,000 and the sale of a mutual fund that created a $4,000 deferred sales charge. May allegedly responded that the withdrawals were for personal reasons and that the Jamiesons were unhappy with the mutual fund and were well aware of the sales charges. The complaint states the $350,000 was stolen money. The Jamiesons allege that Securities America did not communicate directly with them and the firm had collected more than $500,000 in fees from them. The scheme began to unravel in 2017, when Judith Jamieson thought May was likely to retire soon and she began discussing the possibility of moving the investments to another brokerage firm. May dissuaded her for months, but early last year she disregarded his advice and arranged a transfer of assets. The new firm informed her that the accounts at Securities America “held little to no assets.”

Factors to Consider When Naming a Health Care Agent By Anthony J. Enea. Esq.

The Health Care Proxy (Proxy) is often a document given little attention by both attorneys and clients. Perhaps, the fact that the proxy form has over the last two to three decades become relatively ubiquitous is a significant factor. The proxy form is readily available on the internet, is also provided to all patients admitted to a hospital and is often available from one’s doctor. Article 29-C of the New York Public Health Law is the statutory authority for the proxy. The proxy form allows one to designate another person to make all health care decisions if one is unable to do so. The agent can decide whether or not you should receive treatment as well as the treatment you should receive. Additionally, the agent can determine what treatments you should not be provided and whether or not a treatment should be terminated. All the above can be done by the agent in accordance with any specifications stated in the proxy form or in accordance with your wishes that are known by your agent. As is evident, the agent is in a position of great importance and authority. Thus, selecting someone, whether or not they are a member of your family, that will make decisions about your health care that are consistent with your wishes is of great importance. Some of the factors to consider when selecting an agent and alternate agent are as follows: (A) The age and health of the agent. Is the person selected likely to be alive at the time he or she needs to act and will he or she be mentally competent and in sufficient good health to make your health care decision? For example, while selecting one’s spouse is often a logical decision, if one’s spouse is 80 plus years of age and has his or her own health issues, it may not be a wise decision. (B) Is the agent someone I can trust to make difficult medical decisions relevant to my care and treatment? Are they astute in matters of medicine? Do they have any training in medicine or

health care? While training in medicine or health care is not required, it may be a factor to consider when choosing one trusted individual over another. (C) Is the agent selected someone that is close to you and with whom you have previously discussed your wishes about medical treatment? Are their beliefs about end of life treatment consistent with your wishes? Do you feel that they will respect your wishes when faced with difficult decisions? (D) If you are going to select a family member (spouse, child or grandchild) as your agent, are they someone who will discuss your care and treatment with your other immediate family members? Will they try to reach a consensus as to the treatment or cessation thereof with your immediate family, or will they make decisions unilaterally and without any consultation? Selecting someone who you trust who can make difficult medical decisions for you and who is able to communicate the medical options and treatments to other family members is great of importance. In conclusion, selecting a health care agent is a decision that should not be given short shrift. It is one that requires a great amount of consideration. *Anthony J. Enea, Esq. is a member of the firm of Enea, Scanlan & Sirignano, LLP of White Plains, New York. His office is centrally located in White Plains and he has a home office in Somers, New York. He can be reached at (914) 948-1500.Mr. Enea is the Past Chair of the Elder Law Section of the New York State Bar Association (NYSBA). Mr. Enea is the Past President and a founding member of the New York Chapter of the National Academy of Elder Law Attorneys (NAELA). He is also a member of the Council of Advanced Practitioners of the National Academy of Elder Law Attorneys. Mr. Enea is the President of the Westchester Bar Foundation and a Past President of the Westchester County Bar Association. He is a lifelong Westchester County Resident. 245 Main Street, 5th Floor White Plains, New York 10601 www.esslawfirm.com (914) 948-1500

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Mack-Cali—

and Odell Plaza, Executive Boulevard and Corporate Boulevard in Yonkers. Robert F. Weinberg, who with the late Martin Berger founded Robert Martin Company, said, “The acquisition of these outstanding properties continues our legacy of innovation and market leadership.” The company’s managing director and partner Greg Berger added that it is very bullish on the Westchester market. “Robert Martin Company has been firmly rooted in Westchester County for over 60 years. We know how to manage these buildings and have excellent relationships with the local communities.” Tim Jones, also a partner with Robert Martin Company and its CEO, said, “This portfolio gives us a huge market share in Westchester with a product line that is currently in great demand.” He said that spaces such as the ones they’re adding to their portfolio constitute the hottest sector of the commercial real estate market.

Apartments—

ing, especially since a hotel previously was approved for the site, they are going to be very comfortable with it.” Weisz said that it ultimately will be up to the various boards and commissions in White Plains to approve the project as submitted or require changes. He said that he hoped to be able to break ground no later than November. The March 4 public hearing brought comments about a proposed zoning change as well as elements of the proposed site plan. The council would have to approve the site plan and agree to a zoning change in which a Planned Campus Development District (PCDD) overlay zone would be applied to the existing campus office district zoning at the site. The PCDD came into being in 2012 and the city’s Comprehensive Plan was tweaked to make the two compatible. The office market was

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Mack-Cali, headquartered in Jersey City, New Jersey, has been repositioning itself to concentrate on properties in what it describes as “select waterfront and transit-oriented markets throughout the Northeast.” “Proceeds from the sale of this portfolio will be used in part to pay down debt and to purchase Soho Lofts, a 377-unit apartment community in Jersey City, which furthers our waterfront strategy,” Michael DeMarco, Mack-Cali’s CEO, said. He also said the sale of the office/flex portfolio “substantially completes our strategic repositioning.” Mack-Cali’s announcement on March 11 said that a portion of the proceeds from the sale will be used to repay about $230 million of unsecured debt. In January, the Business Journal reported on MackCali’s sale of its six-building industrial park at 1-6 Warehouse Lane in Greenburgh. Called the Elmsford Distribution Center, the 387,000-squarefoot industrial park was bought for $70.25 million by Realterm Logistics. In

another high-profile transaction, Mack-Cali sold the Westchester Financial Center near the train station in downtown White Plains to Ginsburg Development Cos. for $83 million. It had been one of the leading projects created by the Robert Martin Co. during urban renewal in White Plains. Howard E. Greenberg, president of Howard Properties Ltd. in White Plains, is a veteran real estate broker who is considered an expert on the Westchester commercial market. “I’m very happy that a local player is buying this portfolio,” he said. “This is 3.1 million square feet. These are dominant parks in Yonkers, Elmsford and Hawthorne, and this is the flex product which was developed by the original Robert Martin principals (Robert Weinberg and Martin Berger). This is the flex product hub for the county and it’s an extremely important product.” Greenberg noted that Mack-Cali has become more focused on New Jersey. “They have become much more active in the multifamily business and they have

in decline at the time and planners thought the PCDD would be a good idea for office parks on a minimum of 10 acres. Part of the logic was that parking spaces and infrastructure only being used when offices were open during the day could be efficiently used for 24/7 residential purposes. The PCDD would be applicable to nine sites along Westchester Avenue bordering Harrison and two sites on Mamaroneck Avenue. Weisz told the Common Council, “We think to be a good neighbor is a very important thing and it’s a two-way street.” He said that in doing previous projects, he reached out and enjoyed great relationships with his neighbors. With respect to the 1133 proposal, Weisz added, “We have made ourselves available to meet at any time with any neighbor that wanted to discuss that with us and we have done that with many of them.” Weisz said that his request to use the PCDD overlay zone

reflects what the Common Council had in mind when it created the zone. Thomas Broderick, a board member of the Gedney Association, said his association worried that allowing the PCDD zone for this project could ultimately lead to it being used for intensive development of 235 acres along Mamaroneck Avenue, North Street and Westchester Avenue. ”There’s a greater concern here other than just this one project. If this were to happen, it could change the land-use character in this part of White Plains by adding over 1 million new square feet of multifamily apartment living space,” he said. Broderick said that the Gedney Association’s board took a formal vote to oppose the project. “The Gedney board strongly believes that allowing multifamily apartment building use in these areas of White Plains undermines the delicate balance of land

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Cross Westchester Executive Park.

become much more Jerseycentric.” This has included a special emphasis on the Jersey City/Hoboken area. “They seem to want to plow all of their investments into that area because rents are rising both in terms of residential and in terms of office space and there are big multihundred-thousand-square-foot tenants.” If the sale has any upward impact on pricing

in the flex space segment of the Westchester market, Greenberg expects it will be minimal. “A lot of that firming of the pricing has to do with supply and demand. Particularly in the flex market, the demand has outstripped the supply for the last number of years and even under Mack-Cali prices have firmed significantly on that product,” he said.

The office building at 1133 Westchester Ave. in White Plains.

use in our city and such projects would effectively compete with demand for existing apartments, co-ops and condos in the center of downtown areas and any new multifamily projects downtown as well.” Carol Desoe, president of the Ridgeway at White Plains Homeowners Association, had issues with various details of the proposal, which her association felt would add to existing impacts of the office park at 1133 Westchester Ave. “It is perhaps going to get worse what with the new building and all the new residents

who are going to be there 24/7, not just during office hours,” she said. “There are deliveries that go on in the rear of their current office building, weekends, during the night and early in the morning.” Desoe said that the possibility of opening up 1133 and other office parks to residential development raises a safety concern. “The firehouse, Ladder Company 34, which is on the corner of North Street and Ridgeway, is currently closed on weekends and also when schools are not open. You have a group of citizens

Greenberg welcomes the return of Westchesterbased ownership of the properties. “The Halperns, the Schulmans, the Cappellis, and obviously Weinberg and Berger of the Robert Martin Company, were all local people that developed locally and their whole focus was local. Their fortunes rose and fell in Westchester and that’s not the case with a big real estate investment trust.”

that need protection all the time, not just when schools are open. And, that’s something you’re going to have to face on the entire Platinum Mile,” she said. Ron Bailey, a retired police officer who lives near 1133, expressed concern about additional vehicles coming into the neighborhood. Ellen Berger, who has lived in the south end of White Plains for 47 years, told the council, “To me the city is like a giant jigsaw puzzle. When you change one piece, it affects every other and it affects the puzzle as a whole.” She called for a moratorium on zoning changes and special permits for large developments “…until the city officials in cooperation with residents and businesspeople in White Plains have a vision for our city and a direction. What should the city look like? What is the character? Who do we want to attract?” The public hearing on “The Flats” was adjourned until April 1.

isn’t a substitute for a plan. How can you ensure the people you care about will be taken care of when you move on?

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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. Wilmington Trust Company, operating in Delaware only, Wilmington Trust, N.A., M&T Bank, and certain other affiliates provide various fiduciary and non-fiduciary services, including trustee, custodial, agency, investment management, and other services. International corporate and institutional services are offered through Wilmington Trust Corporation’s international affiliates. Wilmington Trust Investment Advisors, Inc., a subsidiary of M&T Bank, is an SEC-registered investment advisor providing investment management services to Wilmington Trust and M&T affiliates and clients. Loans, credit cards, retail and business deposits, and other business and personal banking services and products are offered by M&T Bank, member FDIC. ©2019 Wilmington Trust Corporation and its affiliates. All rights reserved. 19585-A VF 190220

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Open banking concept attractive to area banks, but wait for regulations continues BY KEVIN ZIMMERMAN kzimmerman@westfairinc.com

pen banking may be all the rage overseas, but in the U.S. it’s not quite ready for prime time. “It’s a hot topic for all banks right now,” affirmed Richard Muskus Jr., president of Stamford’s Patriot Bank. “It’s all about how we can better compete with larger, more sophisticated tech platforms, the fintechs, that are constantly evolving what they can do.” Open banking allows financial institutions to securely provide other financial institutions and third-party providers with seamless access to, and communication with, customer data through a standards-based technology called open Application Programming Interfaces (APIs). Using opensource technology and APIs, those third parties can build new financial tools leveraging private customer data that was previously inaccessible. The ultimate aim, broadly speaking, is to provide banking customers with more options and greater convenience by making it easier to transfer funds and compare product offerings between institutions. The concept essentially originated in October 2015, when the European Parliament adopted a new Payment Services Directive (PSD2), which sought to increase pan-European competition in the financial sector by non-banks, and to require European banks, with the customer’s consent, to share those customers’ transaction data with third parties upon their request. In August 2016 the U.K.’s Kingdom Competition and Markets Authority (CMA) issued a ruling requiring the nation’s nine largest banks to allow licensed startups direct access to their data, including account transactions. That regulation went into effect on Jan. 31, 2018. As noted by an April 2018 PwC report, U.K./Europe and to a lesser degree Asia have

MARCH 18, 2019

From top left: John Tolomer, Nitin Mhatre, Rick Reustle and Frank Sorrentino III.

been leading the open banking movement. The Australian government has established a number of recommendations on the implementation of open banking, including a regulatory framework, the type of banking data affected and sufficient protection and security for customers. The government plans to phase in open banking, with all major banks making data available on credit and debit card, deposit and transaction accounts by July 1, and mortgages by Feb. 1, 2020. Other nations in various stages of open banking implementation include Japan, Israel, New Zealand and Nigeria. The Canadian Banking Association is cautiously exploring the issue. On July 31, 2018, the U.S. Treasury Department published “A Financial System That Creates Economic Opportunities: Nonbank Financials, Fintech and Innovation,” which outlined much of what is happening around the world, though it noted: “There are significant differences between the United States and the United Kingdom with respect to the size, nature and diversity of the financial services sector and regulatory mandates. Given those differences, an equivalent Open Banking regime for the U.S. market is not readily applicable. Nonetheless, as Open Banking matures

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in the United Kingdom, U.S. financial regulators should observe developments and learn from the British experience.” Although U.S. financial institutions are not required to share their customer and transaction data with third-party providers, some banks are moving forward with open banking-style initiatives. In 2017, Wells Fargo and JPMorgan Chase each announced a partnership with Intuit, allowing the latter’s applications like QuickBooks and TurboTax to share financial data with the banks upon receipt of customer consent. Wells Fargo has also made APIbased data exchange agreements with Finicity and Xero. Last October, Spanish bank BBVA launched Open Platform, the first BaaS (Banking as a Service) platform in this country. Open Platform is designed to provide third parties with access to BBVA’s banking services, provided they have met certain security and compliance requirements. As for when the nation at large might clamber aboard the open banking train, Nitin Mhatre, executive vice president, head of community banking at Webster Bank, said, “There isn’t a clear line of sight for how this will translate into the U.S. regulatory landscape yet. “There is a sense of excitement for me and my

counterparts at the other institutions,” Mhatre said. “What happened in the U.K. and the EU was a little different — they did what they did in part so that smaller banks could compete better in terms of market share and customer acquisition. In the U.S. the focus is more on fostering innovation and developing common standards.” Open banking will eventually become a regular presence here “in some shape or form,” Mhatre predicted. “It’s complicated — what standards do you follow? If the regulations are too restrictive, that would of course be limiting. I think (the U.S. government) will take a ‘wait and watch’ position, and then try to take the best parts of what (Europe) is doing and devise a system from that.” When Ernst & Young produced its first global EY FinTech Adoption Index in 2015, one in seven “digitally active” consumers were fintech users. By 2017 that margin had risen to one in three. And a 2017 survey by the American Bankers Association found that 40 percent of Americans manage their bank accounts online more frequently than any other method, with 26 percent using their mobile devices most frequently to conduct their banking business, versus 18 percent who preferred to do so at their bank’s branch. “Younger customers especially, as they start to make money, start a family, buy a home, are starting to understand the importance of their banking relationship,” Muskus said. “And they want it to go well beyond reading a bank statement.” Muskus said while banks were doing nothing with customer data when he entered the industry 25 years ago, data mining “is an extremely useful and needed tool in competing today.” Patriot regularly works with third-party vendors in that and other areas, he said. Mhatre said Webster Bank is building modules with a host of APIs. He said that where a Webster loan application in the past could

take more than 60 days to be approved, today it can be done within 24 hours. Westchester Bank President and CEO John Tolomer said it “remains to be seen” how open banking will evolve here. “Technology is moving very swiftly now and that includes with alternative delivery methods,” he said. “The larger companies are able to invest in those processes, which I think will then ultimately spread to the rest of the industry.” M&T Bank is also focusing on technology while keeping an eye out for open banking developments. “Digital services are changing the way many consumers conduct all of their business, including banking,” remarked Metro Region Retail Banking Manager Rick Reustle. “We have a large customer base and each customer has a different comfort level with digital banking services, so we have trained digital ambassadors working in our branches with the specific role of helping customers learn how to use these new technologies.” Last year M&T partnered with Zelle, a digital payments network that allows customers to electronically transfer money from their bank account to another registered user’s account using a mobile device or participating bank. At the beginning of this year M&T launched “MyWay Banking,” a checkless checking account that can’t be overdrawn. Gordon Baird, the founder of private investment, consulting and technology company G.A. Baird & Co. in Stamford, is moving ahead with his plans to create a digitally focused bank, Nexos National, sometime this year. As he told the Business Journal last year, Baird is drawing on several open banking principles to establish a technologically nimble institution. The advantages of a bank whose technological prowess will outstrip its older brethren’s, he said, “are obvious — it increases efficiency and convenience, lowers costs and will include all the modern safety and security

that people expect.” Frank Sorrentino III, chairman and CEO of ConnectOne Bank — the New Jersey bank whose $76.3 million acquisition of Greater Hudson Bank last year led to its opening branches in Tarrytown and White Plains — said that, while customers are definitely looking for a more streamlined experience, that may not always be in their best interests. “When you think of a bank, going back to the founding of the country, you think of a place of strength, the strongbox, the vault, which is even true today,” he said. “A number of these nonbank financial companies probably don’t have some of the security safeguards that most banks have.” Sorrentino said he was “fascinated” by how easily some consumers will give up their banking information online in their quest for convenience and speed. “Fraud is very rampant,” he said, adding that where once robbers would usually storm a bank in person, “now they do it from their living rooms.” Nevertheless, he continued, the trend toward choosing technology — whether with the bank itself or through a third party in an open banking scenario — will only continue to pick up momentum. “We have to deliver services at the lowest cost possible,” Sorrentino said, “and people today want 24/7 access.” While ConnectOne is in discussions with various third-party vendors, he added, “It comes down to how much security we’re willing to give up, and how much risk the client is willing to take.” Sorrentino also wondered what will happen in terms of taking responsibility should open banking become the norm. “Everyone assumes that when pretty much anything goes wrong, the bank is somehow liable for it,” he said. But if information is being shared with third parties whose security is insufficient, he continued, “How do you go about holding the right party responsible?”

Rockland pill producer Chartwell Pharma sues Florida distributor for $4.1M

Ridgefield, Harrison named among nation’s safest municipalities

BY BILL HELTZEL bheltzel@westfairinc.com

BY PHIL HALL phall@westfairinc.com

airfield and Westchester counties were well represented in the 2019 edition of Safewise’s 100 Safest Cities in America. Using a data analysis of 2017 crime report statistics from the FBI while measuring municipalities with populations between 15,000 and 100,000, Safewise determined Ridgefield to be

the second-safest location in the nation. Ridgefield was one of three municipalities on Safewise’s list that had no reported violent crime during 2017. The town of Harrison was named fourth-safest with a violent crime rate of 0.035 per 1,000 residents. Other municipalities cited by Safewise were New Canaan (14th), Darien (25th), Brookfield (35th), Westport (36th), Wilton (48th), Eastchester (66th), Carmel

(74th), Bedford (78th) and Rye (97th). Hopkinton, Massachusetts, topped the list as the nation’s safest city, and Connecticut contributed 14 locations to this year’s list. Safewise pointed out that 59 percent of its safest cities have a median income over $100,000 while only two cities – Laguna Woods, California, and Manchester, New Jersey – were below the national median income of $57,652.

hartwell Therapeutics Licensing LLC in Congers is demanding payment for pills, $4.1 million worth, that it claims a distributor has refused to reimburse. The Rockland County company sued Harris Pharmaceutical Inc. of Fort Myers, Florida, on Feb. 13 in federal court in White Plains. “Harris has an obligation to properly calculate and account to Chartwell” for its costs and profits, the complaint states. Harris did not respond to an email request for comment. Chartwell Pharmaceuticals, established in 2010, produces millions of capsules and tablets a day in its Rockland facility. Jack Goldenberg is the managing member of the LLC.

The drug at issue is doxycycline hyclate, an antibiotic that is used to prevent malaria and treat a wide variety of infections, including sexually transmitted diseases, acne and skin infections and flea and tick diseases. Harris specializes in selling generic dermatological medicines. Chartwell agreed to sell capsules and tablets on consignment in 2014. After Harris received payments from its customers, it was required to reimburse Chartwell for the cost of the goods and a split of the profits. Harris agreed to calculate the profits, minus expenses such as rebates, logistics and marketing costs, and to report the figures to Chartwell every month. Chartwell claims that Harris stopped reporting the numbers and failed to pay the agreed-upon cost of the pills or the full-profit split. “Indeed, in or about

January 2018, Harris admitted that it owed Chartwell more than $3.1 million in profit split for the year ending 2017,” the complaint states, “but has failed to pay any portion of this amount.” Chartwell terminated the sales agreement as of Jan. 31, 2018, but continued to do business with Harris under new terms. Harris had to pay for the products up front and was still required to report and pay a share of the profits. But Harris, according to the complaint, has failed to provide a complete accounting of its profits and Chartwell charges that it has been shorted by at least another $1 million. The complaint accuses Harris of breach of contract and unjust enrichment and is demanding at least $4.1 million. Chartwell is represented by attorneys John P. Amato and Steven R. Aquino, of Hahn & Hessen LLP of Manhattan.

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GHP acquires Taxter Road office buildings in Elmsford BY PETER KATZ

Westchester office market. “Well-maintained and well-operated buildings are sought after,” he said. “There is a good demand from tenants.” Greenspan said that his take on the state of the Class A office market in Westchester remains positive. “Rental rates are firming and increasing. When

pkatz@westfairinc.com

HP Taxter LLC, one of a number of entities with GHP in its name, has acquired 555 and 565 Taxter Road in Elmsford, both six-story Class A office buildings with a total of 371,224 square feet of rentable space, in a foreclosure proceeding. A new deed for the property was filed on Feb. 28. On March 5, Westchester real estate veteran Andrew Greenspan, a principal in GHP Office Realty, told the Business Journal that the buildings had 24 tenants. The buildings are 64 percent leased. 565 Taxter Road has been upgraded and GHP plans upgrades for 555. The buildings are on a 17-acre site known as Taxter Corporate Park.

tenants are doing well, they are not so price-sensitive.” He said that’s reflected in GHP’s portfolio of some 30 buildings containing approximately 3 million square feet. “We have very little vacant space,” he said. GHP Office Realty was founded in November 1999 and is led by Greenspan and James J. Houlihan. Since

its inception, GHP Office Realty has been involved in the acquisition, financing, leasing and managing of more than 125 buildings encompassing more than 6 million square feet in 12 states. Greenspan began his real estate career with developer Robert Martin Co. and subsequently was with Mack-Cali Realty.

555 Taxter Road.

In 2014, Mack-Cali Realty Corp. sold the properties to Keystone Property Group as part of a transaction involving a number of sites in New York, New Jersey and Connecticut. The price for the package was about $230 million. At the time, 555 and 565 Taxter Road

were valued at $42 million. As a result of additional transactions affecting ownership and financing of the property in subsequent years, GHP became the mortgage holder. Gre en sp a n s a id that his organization remains committed to the

Regional Family Dollar stores could face closure or re-bannering BY PHIL HALL phall@westfairinc.com

ineteen Family Dollar stores spread across the region could either be shuttered or re-bannered under plans announced by Dollar Tree Inc., the Chesapeake, Virginia-based parent company of the retailer. Dollar Tree bought Family Dollar in 2015 for nearly $9 billion. Last year, Dollar Tree began closing underperforming Family Dollar stores — 84 locations were shut down in the fourth quarter and 37 more stores were closed in 2018 than originally planned. In presenting the company’s fourth-quarter and fiscal year 2018 earnings, Dollar Tree President and CEO Gary Philbin announced a further erasure of the Family Dollar brand from the national retail environment. “Approximately 200

Family Dollar stores will be re-bannered to Dollar Tree and we plan to close as many as 390 Family Dollar stores this year,” said Philbin, who added that the re-bannered Family Dollar stores “improved Dollar Tree’s profitability by more than $55 million per year, which we expect to increase as more Family Dollar stores are re-bannered.” Dollar Tree did not announce which of its

Family Dollar stores would be re-bannered or closed. There are 15 Family Dollar stores in the Westchester and Hudson Valley market (three in Yonkers, two each in Mount Vernon, Newburgh, Peekskill and Poughkeepsie, and one each in Beacon, Montgomery, Pleasant Valley and Spring Valley), and four in Fairfield County (two in Stratford and one each in Bridgeport and Danbury).

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MARCH 18, 2019

FACES & PLACES Volunteer New York! celebrates birthday Volunteer New York! celebrated its 69th birthday with more than 60 business leaders and associates at a networking reception hosted at TD Bank of Rye on Feb. 13. Last year Volunteer New York! created 4,007 volunteer opportunities for employees of local businesses. Collectively these businesses contributed more than 9,300 service hours supporting local nonprofits through employee engagement. In 2018, more than 50 Westchester- and Rockland-based companies participated in Volunteer New York!’s fourth annual Giving Tuesday #Bridge2Give campaign. Photos by Paul Schneiderman.

1. From left: Michael Spencer of TD Bank joins John Heidenreich of Cruz Street and Eric Tommasi of M&T Bank. 2. Husband and wife Jody and Markham Rollins III, founder of Markham Rollins. 3. Volunteer New York!’s former board chair Marjorie Lang of M&T Bank joins current board chair Mike Grossman of MAG Real Estate Advisors. 4. From left: Laura Picone of TD Bank and Lindsay Salandra of Empire City Casino.

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ASK ANDI Getting products to the right customers I HAVE TO START TO THINK ABOUT HOW TO CROSS-SELL OUR NEW BRAND WITH EXISTING CUSTOMERS AND HOW BEST TO USE OUR EXISTING BRANDS TO GET NEW CUSTOMERS. THOUGHTS OF THE DAY: Congratulations! You have the right small-business marketing strategy: providing new products to old customers and attracting new buyers with tried and true old products. Maximize the company’s opportunity for growth and profit with the right mix. You can build new products or services, or buy them to sell, or partner up with other providers. If instead it’s time to dilute the mix of customers then focus on getting more strangers to buy what you already make. Customers who know and trust your company are more likely to cut you slack as you try out new products or services. Afraid of mistakes on pricing? Struggles to provide the right level of service? Issues with new products? Existing customers will usually work with you to get through problems, at least for a while.

Don’t subject new working relationships to difficulty by testing out new products on new customers.

New customers are generally much more anxious about their new working relationships. They want to know that they’ve made the right purchase decision. If you make mistakes early on, that makes the buyer nervous. Don’t subject new working relationships to difficulty by testing out new products on new customers. Now that you know the right thing to do in terms of new/old product and customer mix, it’s time to figure out how much of each you need. Evaluate your existing customer portfolio. Take a look at how concentrated it is. If the company’s portfolio is made up of recently acquired customers each representing less than 3 percent of total revenue, then it’s time to come up with more products for them to buy. If any customers exceed 8 percent of total revenue, if many customers are approaching the age where they start to drift away or if your top three to five customers make up 25 percent or more of your total portfolio, then

it’s time to focus on getting new customers. If it’s time to get more products or services out to the market, look at what your company is good at doing by asking a few questions. How many new products or services has your company successfully taken to market? Does your company have an experienced research and development arm? Do you regularly test new ideas that turn into revenue-producing opportunities? If you answered “yes,” then focus on developing the next set of services or products. Test new ideas on existing customers. Pick several to focus on. Test prices. Get the products or services into the market. Get some references. Then evaluate profitability, and, if necessary, adjust pricing for the next round.

LE G A L

If you answered “no,” meaning you’re not good at coming up with new things to sell, consider doing an acquisition to pick up something your customers will latch onto. Or partner with another firm that’s interested in tapping into your customer portfolio and develop a joint venture. If instead it’s time to get more customers, look at who else might want what your company already sells. Take a booth at industry-specific trade shows that attract your customers. Put testimonials on your website. Buy a list of prospects in the same SIC code as existing customers and send out mailers. Try attractive introductory pricing to get strangers to bite. Marketing is the most important function in any company and often one of the

SE R V IC E S

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most overlooked. Turn it into your secret growth weapon. BOOK RECOMMENDATION: “The 1-Page Marketing Plan: Get New Customers, Make More Money, And Stand Out From The Crowd,” by Allan Dib. Andi Gray is president of Strategy Leaders Inc., StrategyLeaders.com, a business-consulting firm that teaches companies how to double revenue and triple profits in repetitive growth cycles. Have a question for AskAndi? Wondering how Strategy Leaders can help your business thrive? Call or email for a free consultation and diagnostics: 877-238-3535 or AskAndi@StrategyLeaders.com. Check out our library of business advice articles at AskAndi.com.

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Benefitting LSHV’s efforts to Provide free civil legal services to children and families throughout the Hudson Valley Tickets start at $325. To purchase tickets, tables or place an ad, please visit www.lshv.org or contact Tom Gabriel, Chief Development Officer, at 914-949-1305 ext 160. Please RSVP by Friday, March 29th

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ENTREPRENEURS, INNOVATORS AND LEADERS PROVIDING EXPERTISE TO WOMEN. Join us to get empowered and equipped with valuable life tools via case studies from the professionals in health care, wealth management and the fashion industry.

MARRIA POOYA

Greenwich Med Spa Managing Partner Marria Pooya has grown the Greenwich Medical Spa from a two-person operation founded in 2005 to employ more than 23 staff members. The company treats 18,000+ satisfied customers and has earned accolades, such as being one of the Top 1% of Botox and fillers providers in the country, and the Top Provider of CoolSculpting in Connecticut. Under Pooya’s direction, Greenwich Medical Spa has developed a private label skincare line, ArieedMD, as well as the hair growth formulation, Re:Activate. Pooya looks to the future and plans to expand the practice into additional locations and other states.

AVIDEH SAFAEI

J.P. Morgan Securities Executive Director Avideh (Avi) Safaei is an Executive Director and Financial Advisor at J.P. Morgan Securities, a wealth management division of J.P. Morgan. With over fifteen years of experience in the financial-services industry, she serves high-net-worth individuals, affluent families and corporate executives. Avi takes a family office approach to her client relationships – coordinating with their CPAs, attorneys and tax advisors – to provide comprehensive wealth and portfolio management services and forge longterm relationships. In 2018, Avi was recognized by Forbes as one of America’s Top Next-Gen Wealth Advisors and a Top Wealth Advisor by Working Mother magazine.

HANNIE SIO-STELLAKIS

Neiman Marcus Westchester Public Relations Manager Hannie Sio-Stellakis, in her role as PR Manager at Neiman Marcus, knows about showcasing trends on how to create your personal brand and image in every setting, from desk to dinner to casual to vacation. Plus, Lafayette 148 from Neiman Marcus will show you how to embrace your vision and incorporate it.

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MARCH 18, 2019

Charlotte Russe goes out of business; store closings include Stamford, White Plains BY KEVIN ZIMMERMAN kzimmerman@westfairinc.com

dd Charlotte Russe to the list of national chains going out of business, as the clothier — targeted at women in their teens and 20s — has confirmed that it is ceasing operations. The company, based in San Diego, filed for bankruptcy protection last month, when it said it planned to close 94 of its 512 stores nationwide. However, in a court hearing in Wilmington, Delaware, March 6, Bankruptcy Court Judge Laurie Selber Silverstein approved the sale of Charlotte Russe’s assets to liquidation company SB360, paving the way for the closings. Charlotte Russe has begun going out of business sales at all stores, will accept gift

The Charlotte Russe location at the Poughkeepsie Galleria. Photos by Glenn J. Kalinoski.

Charlotte Russe has begun going out of business sales at all stores, will accept gift cards through March 21 and will close all of its stores by the end of April. Its online store has already closed.

cards through March 21 and will close all of its stores by the end of April. Its online store has already closed. Charlotte Russe had 8,700 employees at the time of the filing, all but 1,400 of whom were part-time workers. It also owned 10 children’s clothing stores under the Peek brand, which it acquired in 2016. Launched in San Diego in 1975, Charlotte Russe was acquired in 2009 by private equity firm Advent International for $380 million, leaving it with $175 million of debt due in 2014. Hopes to launch an initial public offering that year were stymied by a sales downturn. Charlotte Russe locations in the region include stores at the Danbury Fair, Stamford Town Center and Westfield Trumbull malls in Fairfield County, and at the Galleria White Plains and the Jefferson Valley Mall in Yorktown Heights in Westchester County, as well as the Poughkeepsie Galleria.

MARCH 18, 2019

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FOCUS ON

HEALTH CARE WESTCHESTER COUNTY BUSINESS JOURNAL

CONTRIBUTING WRITER | By Mary K. Spengler

hen a family chooses to put a loved one with a life-limiting diagnosis in the care of hospice professionals, they look for programs and services they know will be beneficial. They include pain management, symptom control, 24-hour access to qualified care professionals, bereavement counseling, complementary care (massage, acupuncture, art therapy and so forth), volunteer services and holistic care for the “whole” patient. But what about your loved one’s rights as a hospice patient? Individuals receiving hospice care are entitled to an improved

The rights of a hospice patient quality of life by receiving care to make them comfortable — physically, spiritually and emotionally — during their final journey. Here are just a few of the many rights that hospice providers have an obligation to protect. Patients and families have the right: • To have the opportunity to be involved in developing the hospice plan of care and to participate in changing the plan whenever possible and to the extent that they are competent to do so. • To be free from mistreatment; neglect, verbal, mental, sexual and physical abuse, injuries of unknown source and misappropria-

tion of your property. • To receive effective pain management and symptom control for conditions related to their terminal illness, and to receive education about their role and their family’s role in managing pain when appropriate as well as potential limitations and side effects of pain treatments. • To be admitted only if the hospice can provide the care you need. If you require care or services that the hospice does not have the resources to provide, you will be informed and referred to available alternative services. • To access help on a 24-hour-a-day, seven-day-a-

week basis with response to needs in a timely manner. • To be included in decisions that impact the quality of life and be notified of changes in care before the changes are made. •To choose his/her own private physician who shall be made aware of the policies and procedures of the hospice prior to admission. • To receive written information regarding advance directives, including a description of applicable state law, prior to or at the time of the first home visit, as long as the information is furnished before care is provided. • To formulate advance directives and receive writ-

ten information about the agency’s policies and procedures on advance directives, including a description of applicable state laws before care is administered. • To personal privacy and security during home visits and to have their property and person treated with respect. • To have family involved in decision-making as appropriate concerning the patient’s care, treatment and services when approved by the patient or his/her surrogate decision-maker and when allowed by law. • To choose his/her physician and other health care providers and communicate with them directly.

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A comprehensive hospice program strives to bring comfort to patients and families, allowing them to share the patient’s end of life with dignity, peace and respect. The hallmark of a good hospice program is the recognition of the care for each individual and the ability of the team to be guided by the wishes of those they serve. Mary K. Spengler, MS, is CEO of Hospice of Westchester, which has provided comprehensive endof-life care to Westchester County residents with any life-limiting illness for 25 years. For more information, visit hospiceofwestchester. com or call 914-682-1484.

MARCH 18, 2019

FOCUS ON

HEALTH CARE

5 tips to help employees understand their benefits BY BARBARA VERNON

ow well do your employees understand their health care benefits? It’s a universal challenge for employers. A study by the International Foundation of Employee Benefit Plans found a gap in employee benefits: communication.

According to the study: • 19 percent of employers report employees having a high level of understanding their benefits. • 80 percent of employers report employees do not open/read benefit materials. • 31 percent of employers report employees do not perceive value in their benefits. Consider the following five tips to help employees understand and use their benefits.

REACH OUT TO EMPLOYEES IN MULTIPLE WAYS, AND OFTEN

Many companies only talk about benefits during open enrollment. That’s not enough. With a year-round communication strategy, you can explain complex topics in bite-size pieces. You can send timely reminders to select a primary care provider or get a flu shot. A mid-year benefits fair can help to check in with employees.

SETTING A NEW STANDARD FOR ASSISTED LIVING

Also consider your workforce and how they communicate throughout the day. An enrollment confirmation email is a good start, but you may also need to mail information to employees’ homes. By communicating in multiple ways — email, onsite meetings, printed collateral, an online portal and mail — you can reach more of your employee population. Whether online, in person or in print, be consistent in your message and steer clear of jargon. Visual aids like maps, graphs and tables can make details easier to understand and remember.

SHOW WHAT’S NEW

Benefits can be complicated. Build on what employees already know about their previous benefits and explain what’s different. Be up front about changes like increased copays or higher deductibles to help prevent cost surprises. It’s also important to explain the “why” behind the changes, especially if your company has adopted a different approach to health benefits.

GIVE TIPS ON HOW TO USE BENEFITS

You can help employees make the most of their benefits. Share tips on how to: • Find in-network providers and determine what their share of cost will be. • Use online tools to get cost estimates, compare quality and choose the treatment setting that’s right for them. • Seek nonemergency care at urgent care centers when their doctor’s office is closed. • Save money on prescriptions by requesting preferred generics and using mail order for maintenance medications.

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Helping your employees understand the value of their benefits may increase employee satisfaction and loyalty. To make this “hidden” part of the paycheck more visible, more than half of top-performing employers provide an annual total compensation statement. These statements put a dollar figure on the benefits package. The most detailed statements also show how much a medical plan has paid and total employee out-of-pocket costs.

CONNECT THEM TO RESOURCES

Make sure employees know all the ways they can get answers to their benefits questions — by phone, online or even in person. Your health care provider can connect you to available resources. Your provider works with employers and their brokers to develop communication strategies that help employees understand and get the most out of their plan benefits. Barbara Vernon is the vice president of large group sales and account management for ConnectiCare.

MARCH 18, 2019

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RYAN Ryan knew he needed a strong team to fight colorectal cancer. Ryan Droege was only 41 years old, into fitness and completely blindsided when a colonoscopy revealed he had advanced colorectal cancer. At the White Plains Hospital Center for Cancer Care, Dr. Joshua Raff and a team of experts rallied around him with an aggressive plan - including surgery, radiation, chemotherapy and genetic counseling - to beat the cancer. Now, Ryanâ&#x20AC;&#x2122;s back to his active lifestyle and doing the things he loves most. Colorectal screening can save your life. Download a pre-screening form at exceptionaleveryday.org/screening or to find a physician call (914) 849-MyMD.

A M E M B E R O F T H E M O N T E F I O R E H E A LT H S Y S T E M

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Fighting diabetes is serious business for NYMC’s new dean BY PETER KATZ pkatz@westfairinc.com

ould a vaccine to prevent Type 1 diabetes be developed at the New York Medical College (NYMC) campus in Valhalla in a collaboration involving researchers, a major pharmaceutical company, universities and the BioInc@NYMC incubator? That’s not such a farfetched question to be asking in view of the arrival on March 4 of the NYMC’s new dean of the School of Medicine, Dr. Jerry L. Nadler, a renowned diabetes expert and leading researcher into the causes and treatment of the disease. Diabetes continues to have a staggering impact on peoples’ lives and the economy. The Centers for Disease Control and Prevention reported that in 2017 an estimated 30.3 million peo-

ple in the U.S. had diabetes, with an estimated 84.1 million adults in the prediabetes stage. Worldwide, the World Health Organization estimated there are 440 million diabetes cases. The American Diabetes Association estimated the cost of diagnosed diabetes in the U.S. in 2017 was $327 billion, with $237 billion of that attributed to direct medical costs and $90 billion attributed to reduced productivity. Avoiding a poor diet and lack of exercise have long been accepted as ways to avoid being afflicted by the disease. But it may not be that simple because the underlying triggering mechanism still is not fully understood. “We think a virus might be triggering it and we’re involved in a study of it,” Nadler told the Business Journal. “If we can identify which virus it is, then in

the future a vaccine can be developed that will actually prevent Type 1 diabetes.” In type 1 diabetes, the pancreas does not make insulin. With type 2 diabetes, the quantity made by the pancreas is too low or the person may have developed insulin resistance. Nadler comes to NYMC from Eastern Virginia Medical School (EVMS) where he served in various positions, including director of the Strelitz Diabetes Center, vice dean of research for EVMS and chairman of internal medicine. Nadler’s interest in the body’s endocrine system, which includes organs such as the pancreas where the hormone insulin is made, began in college. While attending the Miller School of Medicine at the University of Miami, Nadler had the opportunity to work with a scientist deeply involved in researching islet cell clusters

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in the pancreas. Islets make the insulin, which allows blood sugar to enter the body’s cells to be used for energy. At California’s Loma Linda Medical Center, he had his internship and residency in internal medicine and, at the University of Southern California (USC), took specialized endocrinology training. He joined the faculty at USC, then became director of the diabetes program at the City of Hope Medical Center in Duarte, California. Eventually, he moved to the University of Virginia and EVMS. He has been associated with companies working to develop therapies for diabetes, has published more than 200 peer-reviewed papers and served on major advisory groups for organizations such as the Juvenile Diabetes Research Foundation and National Institutes of Health. In 2016, he received an award from the state as

Virginia’s outstanding scientist. Nadler holds 11 patents. While at the University of Virginia, Nadler led a team of researchers who managed to reverse Type 1 diabetes in mice. They used a combination of two drugs to produce the result. Their research was based on the premise that the body’s immune system was being triggered to attack and destroy the insulin-producing cells in the pancreas. Edward C. Halperin, chancellor and CEO of NYMC, said of Nadler, “His dedication to research, innovation and education is unparalleled.” At NYMC, Nadler plans to avoid being chained to the dean’s desk. “Many times, the dean is full-time leadership and administration. I’m going to do that,” he said, quickly adding, “I’m going to have a laboratory here and carry out

projects; collaborations with Harvard, collaborations with the University of Massachusetts, collaborations with institutions all over the country. I’m going to set up new collaborations with investigators and physicians and scientists here at New York Medical College.” Nadler told the Business Journal that commercialization of the results of research done on campuses such as NYMC is part of the way medicine moves forward. He mentioned collaboration with the Tarrytownbased pharmaceutical company Regeneron as offering opportunities for new technologies. He disclosed that a researcher from Harvard will be setting up a lab at NYMC in the near future, and that there may be opportunities to work on developing medical devices. “Telemedicine is always important and … we have all

these personal services people are wearing, these Fitbits and other things,” he said. “There are a lot of things in the future we could monitor, a lot of aspects of disease … data and analysis and personal medicine.” As dean, Nadler hopes to emphasize diabetes and related metabolic diseases in the curriculum. “As a physician/scientist, I’ve been very interested in all aspects of diabetes. The effect on the community, the effect on the population, the effect on the family, the individual. People will be very surprised to know that diabetes and metabolic disease affects everything from your head down to your toe.” He pointed out that Westchester County is no different from the rest of the country in that metabolic diseases and their implications are readily found in the population. “This is something the students I feel would benefit from,

additional education and training and dealing with appropriate nutrition/obesity areas,” Nadler said. Nadler presented himself as an example of someone who came to a realization that he needed to practice in everyday life what he knew in theoretical terms as a scientist and researcher. “I personally took it upon myself to do some lifestyle changes and I lost 45 pounds with a healthy, sensible diet and working out. And, when I see my patients, I say, ‘If I can do it you can do it.’ ” Nadler said the Mediterranean diet, based on lean meats, fish, vegetables and olive oil, works well. “I do believe it’s calories in, calories out,” he said. “There are a lot of ways to lose weight, but a lot of times when people lose weight they gain it right back because they can’t stay on that lifestyle. You have to pick a lifestyle that works for you and stay with it.”

Dr. Nadler, second from left, chats with NYMC students, from left: Akshitha Yarrabothula; Miguel Angel Barrios; Cyndey Nichols; and Scott Lewis.

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MARCH 18, 2019

GOOD THINGS MARSHALL & STERLING NAMED A PREFERRED AGENCY PARTNER FOR 2019 Michigan Millers Insurance of Lansing, Michigan, has recognized Marshall & Sterling of Westchester and Dutchess counties as one of its Preferred Agency partners for 2019. Marshall & Sterling joins an elite group of New York independent agencies that represent the top 15 percent in terms of production, profitability and professionalism with the company. “The company continues to grow and we value the trust our agents and policyholders put in us to provide for their insurance needs and promptly settle policyholder claims,” said Russell Clark, vice president of sales and marketing. “We are very pleased and proud to be represented by Marshall & Sterling who has demonstrated their professionalism and commitment to their customers. We look forward to continued success and congratulate them on being included in our exclusive group.” “Marshall & Sterling is exceptionally proud to be named as a Preferred Agency Partner for 2019,” commented Tim Dean, president of Marshall & Sterling Insurance. Michigan Millers is a regional insurance carrier focusing on commercial and specialty lines business in Michigan and New York. Founded in 1864, it is ranked 32nd among more than 40,000 privately held insurance agencies in the U.S., with total annual written premiums in excess of $700 million. A 100 percent employee-owned company with more than 450 insurance specialists in 25 branch offices in New York, California, Michigan, Florida, Virginia and the U.S. Virgin Islands, Marshall & Sterling has been recognized for exceptional insurance services and best practices throughout the nation and remains closely tied to the communities it serves.

ROUND ROCK PRESERVE OPENS IN NEW CASTLE Kingfisher Philanthropies, a Chappaqua-based 501(c)3 charitable foundation, has formed Round Rock Preserve – almost 12 acres of privately owned wooded hill and meadow to be opened to the public April 22. A serene park with trails nestled near the northeast edge of the town of New Castle, Round Rock is located at 2 Cyntia Court in Mount Kisco. Besides scenic views and lots of peace and quiet, visitors may see all kinds of wild creatures, including raptors, bluebirds, wild turkeys, deer, fox and even a coyote. The Preserve will also be home to a fenced apiary (bee hives) tucked away on the edge of a meadow to encourage and expand the honeybee population locally. The hives will be managed by the Best Bees Co., which has established an affiliated 501(c)3 nonprofit to analyze and improve bee health. Annually, some of the honey produced will be harvested and donated to local food pantries and other nonprofits. Round Rock Preserve will be open daily, yearround, sun-up to sunset. For more, visit roundrockpreserve.com or email info@roundrockpreserve.org.

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DISTINGUISHED SERVICE AWARDS PRESENTED AT PACE LAW LEADERSHIP DINNER

Benjamin Allee

FORMER ASSISTANT U.S. ATTORNEY JOINS YANKWITT

From left: Christopher B. Fisher, managing partner, Cuddy & Feder LLP; Pace Elisabeth Haub Dean Horace Anderson; and Dennis Kenny of the law school’s Board of Visitors and former senior vice president and general counsel of Transamerica Leasing Inc.

The Pace University Elisabeth Haub Law School held its 24th annual Law Leadership Dinner at the Westchester Country Club on March 7. Dennis Kenny of the law school’s Board of Visitors and former senior vice president and general counsel of Transamerica Leasing Inc., and Christopher B. Fisher, managing partner, Cuddy & Feder LLP, were presented with

this year’s Distinguished Service Award. Established in 1995, the award honors individuals or organizations that have made outstanding contributions to the legal community. Through sponsorships and a journal produced for the event, funds are raised that help to underwrite the law school’s academic programs, faculty and students.

Pace University’s Elisabeth Haub School of Law (Pace Law) offers Juris Doctorate and Master of Law degrees in both environmental and international law, as well as a series of joint degree programs. The school, housed on the Pace campus in White Plains, opened its doors in 1976 and has more than 8,000 alumni around the world.

2019 ALEXANDER RUTSCH AWARD WINNER ANNOUNCED The Pelham Art Center has announced Sarah McKenzie is the winner of the 10th Alexander Rutsch Award in Painting. The artist will receive a $5,000 prize and a solo exhibition at the art center, which will run from May 3 to June 22. McKenzie’s work explores the architecture of exhibition space. “I am interested in the notion of spectacle and the role that architecture plays in orienting the viewer’s experience of a work of art,” she said. The opening reception and award presentation are scheduled for Friday, May 3 from 6-8 p.m. at the Pelham Art Center Gallery. McKenzie was selected from among 10 finalists and 467 total applicants from across the country. The jury included artists, professionals, gallery advisory board members of the Pelham Art Center and members of the Rutsch family. Alexander Rutsch (1916–1997) actively supported Pelham Art Center for more than 25 years. After his death, friends, family and supporters established a generous fund for a biennial, open, juried competition in painting. Born in Vienna, Austria, Rutsch studied voice, became an opera singer like his parents, but after WWII, his love for visual expression propelled him to change careers. He was a painter, sculptor, philosopher, musician, singer and poet. He said, “I paint my dreams. My dreams are color and life. They soar in my head like millions of symphonies. I can never stop building dreams.” Pelham Art Center is a nonprofit educational and cultural institution committed to providing public access to see, study and experience the arts, foster lifelong arts appreciation and thereby strengthen the community. It was founded in 1970 and now serves more than 16,000 people each year.

Alexander Rutsch

Benjamin Allee, former assistant U.S. attorney (AUSA) of the Southern District of New York, has joined White Plains-based law firm Yankwitt LLP as a partner in its white collar criminal defense practice. He also will represent clients in breach-of-contract cases, employment litigation, shareholder disputes and fraud investigations. “We are thrilled to have Ben join the firm,” said Russell Yankwitt, managing partner. “He is a skilled trial attorney with a reputation as the go-to criminal defense attorney for complex criminal cases. Not only has he appeared before every federal judge in Westchester County, but the perspective and insight he has developed over the past 10 years as a trial attorney will add tremendous value to the firm and to our clients.” Allee spent more than a decade as a federal prosecutor, most recently as deputy chief of the White Plains division, overseeing a team of 20 AUSAs who handled all federal criminal prosecutions in Westchester, Rockland, Orange, Putnam, Dutchess and Sullivan counties. Recognized for his outstanding public service, Allee received the Assistant Attorney General’s Award for Distinguished Service, the Federal Law Enforcement Foundation’s Prosecutor of the Year Award and the Department of Justice Office of Inspector General’s Collaboration Award. Following law school, Allee clerked for the late Peter K. Leisure, U.S. district judge of the Southern District of New York, and Pierre N. Leval, U.S. circuit judge of the Second Circuit Court of Appeals, and then he served as an associate with New York City law firm Davis Polk & Wardwell LLP. Allee is a graduate of the Fordham University School of Law, where he earned his Juris Doctorate degree and served as editor in chief of the “Fordham Law Review.” Yankwitt, a trial and litigation firm representing businesses and high-net-worth individuals in their litigation across a broad range of matters, holds the distinction of being a law firm with attorneys who have clerked for every federal district court judge in Westchester County.

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

PURCHASE COLLEGE OPENS CENTER FOR ENGAGEMENT

Anthony J. Enea

Valerie Vermiglio-Kohn

ENEA ELECTED CHAIR, NYS BAR ASSOCIATION SENIOR LAWYER SECTION

NEW CHIEF NURSING OFFICER AT BURKE Burke Rehabilitation Hospital in White Plains recently named Valerie Vermiglio-Kohn as its chief nursing officer (CNO). In her new position, she will oversee all nursing-related activities in the hospital, as well as alignment with the standards of nursing care defined by the Montefiore Health System. Vermiglio-Kohn is taking over for Marie Spencer, who is retiring in April after 18 years at Burke. “Burke is an incredible rehabilitation hospital with more than 100 years making a difference in the lives of patients and their families,” Vermiglio-Kohn said. “The leadership here gives the nursing staff all of the resources needed to consistently provide outstanding rehabilitation nursing care. I view this as an incredible opportunity.” Prior to Burke, Vermiglio-Kohn served as the chief nursing executive/senior director of quality management at the Kessler Institute for Rehabilitation. She is a certified rehabilitation nurse with more than 12 years of experience working in the rehabilitation field. “We’re thrilled to have Valerie join the Burke family as CNO,” Burke President and CEO Jeﬀrey Menkes said. “Valerie has an impressive resume in the field of rehabilitative medicine and an extensive track record of success. She is a great addition to our leadership team.” Nursing is a second career for Vermiglio-Kohn, who previously worked as a chemical engineer for 10 years in the coffee-manufacturing industry, as well as on the first test kit to screen blood for the AIDS virus. She chose to change careers after seeing the impact rehabilitation nurses have on patients’ outcomes while her husband was treated at Kessler. Vermiglio-Kohn received her Master of Science degree in nursing from St. Joseph’s College of Maine, a Bachelor of Science degree in chemical engineering from Rutgers University, a master’s degree in food science from Rutgers University and an Associate of Science degree in nursing from Bergen Community College. Burke Rehabilitation Hospital is a notfor-profit, acute rehabilitation hospital – the only hospital in Westchester County dedicated solely to adult rehabilitation medicine. Since 2016, the hospital became a part of the Montefiore Health System Inc.

Purchase College launched The Center for Engagement on March 6 in a refurbished, historic house on campus. Photo courtesy Bryant Alexander.

On March 6, Purchase College, SUNY opened The Center for Engagement. Part of an ongoing commitment to fostering dialogue, the new center will bring together organizations whose projects inspire community engagement, encourage open dialogue and impact social change. This alliance of organizations includes a variety of nonprofits whose initiatives include creating arts programs

in prisons, encouraging civic dialogue, supporting local Latino populations and rebuilding a corner of Detroit, among other projects. The alliance members will use the center as a creative hub as they tackle urgent issues in contemporary life through multidisciplinary research, advocacy and innovative programs in the arts, humanities and sciences. Designed as a shared workspace,

the Center will have the added advantage of allowing nonprofits to share expenses and resources such as office space, technology support, interns and knowledge. Founding organizations include For Freedoms, Ghana Think Tank, RTA: Rehabilitation Through the Arts and Casa Purchase. The center is accepting inquiries from other nonprofits with aligning missions.

PACE PROFESSOR NAMED TO WESTCHESTER CORRECTIONS BOARD Pace University Criminal Justice Professor Kimberly Collica-Cox, Ph.D, who has spent more than 20 years working with incarcerated populations and implementing programs to support them, has been named to the Westchester County Correction Advisory Board. Westchester County Executive George Latimer signed an executive order creating the nine-member board to provide the Department of Correction with advice on programs and services for inmates, as well as ways to reduce recidivism. Collica-Cox is a certified Prison Rape Elimination Act and American Correctional Association auditor and serves as a professional trainer in the cross-section between HIV and incarceration. Since 1997, she has worked with inmates, correctional staff and community-based service providers. At Pace University’s Dyson College of Arts and Sciences, she serves as the advisor to the Criminal Justice Society and Alpha Phi Sigma student organizations. Collica-Cox runs the Parenting, Prison and Pups (PPP) program at the Westchester County Jail in Valhalla, volunteering her time as the program’s director and lead trainer. In partnership with the Good Dog Foundation, PPP is an animal-assisted therapy-integrated parenting program offered to female inmates. The program is also offered at the Metropolitan Correctional Center in Manhattan. On June 28, 2018, Collica-Cox was presented with the Outstanding Public Service by an Employee award by the Jefferson Awards Foundation in Washington, D.C. The Jefferson Awards Foundation is the nation’s longest-standing organization dedicated to inspiring and celebrating public service.

Elder law attorney Anthony J. Enea, member of Enea, Scanlan & Sirignano LLP in White Plains and Somers, has been elected chair of the Senior Lawyers Section of the New York State Bar Association (NYSBA). He will provide strategic direction for the section for a two-year term. A member of the NYSBA’s Senior Lawyers Section for five years and previously chair of the organization’s Elder Law and Special Needs Section, Enea has dedicated more than 30 years to protecting the rights of seniors and the disabled and their families. “It is truly an honor and a privilege to serve as chair of the Senior Lawyers Section,” said Enea. “One of my primary goals is to help our membership navigate what it means to be a senior in this profession. Senior lawyers have valuable experience and expertise – and it’s my job to act as a voice for them both within the association and the community.” A leader in Westchester’s legal community, Enea is president of the Westchester County Bar Foundation and past president of the Westchester County Bar Association. He was named Westchester County’s Leading Elder Care Attorney at the Above the Bar Awards and Best Lawyers’ 2019 Trusts & Estates “Lawyer of the Year” in White Plains.

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Pace Professor Kimberly Collica-Cox.

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MARCH 18, 2019

CELEBRATING MORE THAN A DECADE OF RISING STARS Nominate a candidate (perhaps yourself!) who fits the description of a young (25 or over and under 40), dynamic industry leader who is part of the county’s business growth. Candidate MUST work in Fairfield County and have not previously won the competition.

June 11 • 5:30 - 7 p.m. NOMINATE: westfaironline.com/events DEADLINE: April 3 For information, contact: Tracey Vitale at tvitale@westfairinc.com. For sponsorships, contact: Marcia Pflug at mpflug@wfpromote.com or 203-733-4545. CHAMBER PARTNERS: Darien Chamber of Commerce | Fairfield Chamber of Commerce | Wilton Chamber of Commerce | Greater Norwalk Chamber of Commerce | Greater Valley Chamber of Commerce | Ridgefield Chamber of Commerce | Westport-Weston Chamber of Commerce | Greater Danbury Chamber of Commerce | Greenwich Chamber of Commerce | Bridgeport Regional Business Council

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Facts & Figures BANKRUPTCIES Manhattan Atlantico Bakery Corp., 62 William St., New York 10005. Chapter 11, voluntary. Attorney: Daniel R. Wotman, New York. Filed March 19. Case no. 19019742-scc. The Meatpackers Inc., 1-3 Little W. 12th St., New York 10014. Chapter 11, voluntary. Attorney: pro-se. Filed March 6. Case no. 19-10702-scc.

White Plains Neo Lights Holdings Inc., 125 Park Ave., New York 10017. Chapter 11, voluntary. Attorney: Anne J. Penachio, White Plains. Filed March 8. Case no. 19-22589-rdd. Simkar LLC, 560 White Plains Road, Tarrytown 10591. Chapter 11, voluntary. Attorney: H. Bruce Bronson Jr., Harrison. Filed March 6. Case no. 19-22576-rdd.

COURT CASES New York Adelphi University. Filed by Lucia Marett. Action: federal question. Attorney for plaintiff: C.K. Lee. Filed March 11. Case no. 1:19-cv-02187-KPF. Bozzuto Management Co. Filed by Thomas J. Olsen. Action: federal question– other civil rights. Attorney for plaintiff: Christopher Howard Lowe. Filed March 11. Case no. 1:19-cv-02221. Chelsea 191 Corp., et al. Filed by Jessica De La Rosa. Action: federal question. Attorney for plaintiff: Donald Jeffrey Weiss. Filed March 7. Case no. 1:19-cv-02103-PAE-KNF.

Creative Corp. Filed by the trustees for the Mason Tenders District Council Welfare Fund, Pension Fund, Annuity Fund and Training Program Fund, et al. Action: labor/ management relations (contracts). Attorney for plaintiff: Haluk Savci. Filed March 8. Case no. 1:19-cv02151-AT.

TSI2 Inc., et al. Filed by Building Service 32BJ Health Fund, et al. Action: E.R.I.S.A.– delinquent contributions. Attorney for plaintiffs: Samuel Bloom. Filed March 11. Case no. 1:19-cv-02198-GBD.

C&N Grocery Store Inc., et al. Filed by Leon Robinson. Action: federal question. Attorney for plaintiff: Donald Jeffrey Weiss. Filed March 7. Case no. 1:19-cv-02102-JPO.

CapitalFund Realty Inc., et al. Filed by John Durant. Action: copyright infringement. Attorney for plaintiff: Michael Douglas Steger. Filed March 11. Case no. 1:19-cv02188-KPF.

Juicerie LLC, et al. Filed by Jessica De La Rosa. Action: Americans With Disabilities Act – civil enforcement actions. Attorney for plaintiff: Donald Jeffrey Weiss. Filed March 7. Case no. 1:19-cv-02122-JPO. Madison Realty Capital LP. Filed by Thomas J. Olsen. Action: federal question: other civil rights. Attorney for plaintiff: Christopher Howard Lowe. Filed March 11. Case no. 1:19-cv-02220. New Century Foundation, et al. Filed by Nurbu Lama, et al. Action: federal question: breach of contract. Attorney for plaintiff: pro-se. Filed March 8. Case no. 1:19-cv-02169GHW. New York-Presbyterian/Weill Cornell Medical Center, et al. Filed by Jennifer Dowling. Action: federal questio– employment discrimination. Attorney for plaintiff: Jessica Massimi. Filed March 7. Case no. 1:19-cv-02114-VSB. Nutribullet LLC, et al. Filed by Minerva Gil. Action: diversity – product liability. Attorney for plaintiff: Aaron Levine. Filed March 8. Case no. 1:19-cv-02171-CM. Peck’s Rosebank Tavern Inc., et al. Filed by Namel Norris. Action: Americans With Disailities Act – civil enforcement actions. Attorney for plaintiff: Ben-Zion Bradley Weitz. Filed March 7. Case no. 1:19-cv02123-VEC. Pure Agrobusiness Inc. Filed by Spartan Capital Securities LLC. Action: federal questio– negotiable instrument. Attorney for plaintiff: Matthew Fiorovanti. Filed March 8. Case no. 1:19-cv-02174-PKC.

Items appearing in the Fairfield 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: Larry Miles c/o Westfair Communications Inc. 701 Westchester Ave, Suite 100 J White Plains, N.Y. 10604-3407 Phone: 694-3600 • Fax: 694-3699

ON THE RECORD

Sovrana Trading Corp. Filed by Lavazza Premium Coffees Corp. Action: diversity – declaratory judgment. Attorneys for plaintiff: Cynthia Agnes Murray and Mathew Brehan West. Filed March 7. Case no. 1:19-cv-02107-KPF. Travelers Property Casualty Company of America. Filed by the city of New York. Action: diversity – contract dispute. Attorney for plaintiff: Eric Proshansky. Filed March 7. Case no. 1:19-cv-02125-AJN.

Rockland

Tango Publishing Corp., et al. Filed by Alexander Stross. Action: copyright infringement. Attorney for plaintiff: Michael Douglas Steger. Filed March 11. Case no. 1:19-cv02189-LAP.

Westchester City of Yonkers, et al. Filed by Dwayne Rodriguez. Action: prisoner civil rights. Attorney for plaintiff: pro-se. Filed March 7. Case no. 1:19-cv-02120-UA. Cosmopolitan USA Corp., et al. Filed by the trustees of the District Council 9 Painting Industry Insurance and Annuity Funds. Action: E.R.I.S.A. – civil enforcement of employee benefits. Attorneys for plaintiff: Dana Lynne Henke and Giacchino James Russo. Filed March 11. Case no. 7:19-cv-02197-CS. HSBC Bank USA N.A., et al. Filed by John Rubino, et al. Action: diversity action. Attorneys for plaintiffs: Peter Dexter Sr., Phillip Dexter Jr. and Joseph Seth Tusa. Filed March 8. Case no. 7:19-cv-02154-KMK. International Business Machines Corp.. Filed by Gary Lipson. Action: job discrimination (age). Attorney for plaintiff: pro-se. Filed March 7. Case no. 7:19-cv02124-CS. PM Hospitality Strategies Inc. Filed by United Retirement Fund, et al. Action: E.R.I.S.A. – civil enforcement of employee benefits. Attorney for plaintiffs: William Thomas Josem. Filed March 8. Case no. 1:19-cv-02144-PKC. University of Michigan. Filed by Bradley Foerster. Action: diversity action. Attorney for plaintiff: prose. Filed March 11. Case no. 7:19-cv02186-VB.

DEEDS Above $1 million 147 Main Street Properties LLC, Yonkers. Seller: Tyler’s Drano LLC, Bronx. Property: 155 Main St., Ossining. Amount: $8.6 million. Filed March 6. Finch Farm II LLC, Saratoga Springs. Seller: Jacalyn Kamenstein, North Salem. Property: 155 Finch Road, North Salem. Amount: $5.3 million. Filed March 6. MP Centre LLC, New York City. Seller: Industrial Overall Service Corp., New Rochelle. Property: 10 Bartels Place, New Rochelle. Amount: $2.5 million. Filed March 4. Plaza Court LLC, Yonkers. Seller: SBV Clisi Corp., Tuckahoe. Property: 305 Columbus Ave., Eastchester. Amount: $2.2 million. Filed March 6. The Bank of New York Mellon. Seller: Todd Fishlin, Mount Kisco. Property: 58 Cherry St., Bedford. Amount: $1.1 million. Filed March 7. U.S. Bank Trust N.A. Seller: Barry Salman, New Rochelle. Property: 752 Old Post Road, Bedford. Amount: $1.8 million. Filed March 5.

Below $1 million 1030 East 174th Street LLC, New Rochelle. Seller: 50 Pearl Street LLC, White Plains. Property: 50 Pearl St., Rye. Amount: $640,000. Filed March 4. 169 Grace Church Street Associates LLC, Armonk. Seller: Lystra Babooram, Port Chester. Property: 169 Grace Church St., Rye. Amount: $365,000. Filed March 7. 2140 Albany Post Road LLC, Cortlandt. Seller: Mayflower Restoration Inc., Cortlandt. Property: 2140 Albany Post Road, Cortlandt. Amount: $100,000. Filed March 4. 215 South Fifth Avenue LLC, New Rochelle. Seller: Kovar Hill Associates LLC, Mount Vernon. Property: 215 S. Fifth Ave., Mount Vernon. Amount: $150,000. Filed March 7.

Westchester County, et al. Filed by Leroy Garcia. Action: prisoner civil rights. Attorney for plaintiff: pro-se. Filed March 8. Case no. 1:19-cv-02167-UA.

223 South Fifth Avenue LLC, New Rochelle. Seller: Kovar Hill Associates LLC, Mount Vernon. Property: 223 S. Fifth Ave., Mount Vernon. Amount: $250,000. Filed March 7.

Westchester County, et al. Filed by Tyron Dumel. Action: prisoner civil rights. Attorney for plaintiff: pro-se. Filed March 8. Case no. 1:19-cv-02161-UA.

3106 Albany Post Inc., Buchanan. Seller: Fara Properties Inc., Buchanan. Property: 3106 Albany Post Road, Cortlandt. Amount: $500,000. Filed March 6.

32 Broad Avenue LLC, Monsey. Seller: Marie G. Olivier, Mahopac. Property: 32 Broad Ave., Ossining. Amount: $265,000. Filed March 4. 42 MA LLC, Brooklyn. Seller: Port 3 Realty Corp., Yonkers. Property: 40 Morningside Ave., Yonkers. Amount: $850,000. Filed March 7. 44 South Division Owner LLC, Uniondale. Seller: James Poirier, New Rochelle. Property: 44 S. Division St., New Rochelle. Amount: $600,000. Filed March 7. 576 Morris Park LLC, Bronx. Seller: Mary E. McKenna, Thornwood. Property: 760 Old Kensico Road, Mount Pleasant. Amount: $775,000. Filed March 6. 8 Riverview Place LLC, Brooklyn. Seller: Aurelio Assuncao, et al, Yonkers. Property: 8 Riverview Place, Yonkers. Amount: $775,000. Filed March 6. American Custom Builders Inc., Yorktown Heights. Seller: Infinity Associates Group Inc., Newburgh. Property: 2677 Broadview Drive, Yorktown. Amount: $330,000. Filed March 6. Babbitt Road Partners LLC, New York. Seller: 153 Adams Street LLC, Bedford Hills. Property: 153 Adam St., Bedford. Amount: $870,000. Filed March 4. Bank of America N.A. Seller: John Raniolo, Yonkers. Property: 38 Beaver Hill Road, Greenburgh. Amount: $436,400. Filed March 8. C2GRE LLC, White Plains. Seller: Aldo V. Vitagliano, Rye. Property: 58 Culver St., Yonkers. Amount: $292,000. Filed March 7. C2GRE LLC, White Plains. Seller: Carl Finger, White Plains. Property: 32 Empire St., Yonkers. Amount: $190,000. Filed March 7. C2GRE LLC, White Plains. Seller: Michelle Bermel, Chappaqua. Property: 160 Dellwood Road, Yonkers. Amount: $592,919. Filed March 7. Deutsche Bank National Trust Co. Seller: Darren DeUrso, White Plains. Property: 144 Stone Ave., Yonkers. Amount: $952,143. Filed March 5. E2F Properties LLC, Scarsdale. Seller: Yolanda DeStefano, Mount Kisco. Property: 199 Parkview Place, Mount Kisco. Amount: $300,000. Filed March 6. Evergreen Capital LLC, San Jose, California. Seller: U.S. Bank N.A. Property: 9 Lincoln Ave., Mount Pleasant. Amount: $298,200. Filed March 5.

WCBJ

Extravega Real Estate LLC, Dobbs Ferry. Seller: Leslie Cohen, Pound Ridge. Property: 69 Valley Road, White Plains. Amount: $580,000. Filed March 4. Global Real Estate USA Inc., New York City. Seller: MEM Real Estate Capital LLC, Winter Springs, Florida. Property: 39 Wright Place, Eastchester. Amount: $690,000. Filed March 7. GNR Management LLC, Mount Vernon. Seller: HSBC Bank USA N.A. Property: 120 Claremont Ave., Mount Vernon. Amount: $375,900. Filed March 7. GPS Metro LLC, Greenlawn. Seller: John Merheb, et al, Tarrytown. Property: 81 Beech Hill Road, Mount Pleasant. Amount: $300,500. Filed March 8. Green Line Contracting Inc., New York City. Seller: T11 Funding, White Plains. Property: 23 Park Hill Ave., Yonkers. Amount: $275,000. Filed March 6. JHNL Enterprises LLC, Pelham. Seller: Phoebe Kirwood Melley, Millbrook. Property: 24 Weaver St., Mamaroneck. Amount: $750,000. Filed March 5. Lord and Chin Properties LLC, Yonkers. Seller: John Perone, Larchmont. Property: 516 Scarsdale Road, Yonkers. Amount: $375,000. Filed March 4. MTGLQ Investors LP. Seller: Carol Gaschler, et al, White Plains. Property: 13-15 Hunt Ave., Yonkers. Amount: $383,603. Filed March 8. Nationstar HECM Acquisition Trust 2017-2. Seller: Michael Khader, Yonkers. Property: 525 11th Avenue South, Mount Vernon. Amount: $764,461. Filed March 6. Northsight Capital Advisors LLC, Rye. Seller: CitiBank N.A. Property: 753 Boston Post Road, Rye. Amount: $725,000. Filed March 7. Parker Lauren LLC, Rye Brook. Seller: Barbara Nachman, Rye Brook. Property: 44 Rock Ridge Drive, Rye. Amount: $720,000. Filed March 5. PMT NPL Financing 2015-1, Westlake Village, California. Seller: Francis J. Malara, White Plains. Property: 12 Clinton St., Mount Pleasant. Amount: $542,227. Filed March 7. PPZ LLC, Mahopac. Seller: Enrico Papasodero, et al, Mahopac. Property: 1960 E. Main St., Yorktown. Amount: $225,000. Filed March 5. Realty CJD Holdings LLC, Smithtown. Seller: PKIS Realty LLC, Brooklyn. Property: 261 Fulton Avenue South, Mount Vernon. Amount: $300,000. Filed March 4.

MARCH 18, 2019

Facts & Figures Reign 43 LLC, New York City. Seller: Maria Rose Sammarco, Hackensack, New Jersey. Property: 43 Terrace Avenue South, Mount Vernon. Amount: $195,001. Filed March 7. Roshell LLC, Crompond. Seller: Virender K. Kapur, Tampa, Florida. Property: 2 Stowe Road 6, Peekskill. Amount: $109,900. Filed March 8. Smiths Luxury Estates LLC, Elmsford. Seller: Signature Acquisition Group LLC, New York City. Property: 10 S. Bond St., Mount Vernon. Amount: $275,000. Filed March 4. TJAJPCB LLC, College Point. Seller: Thomas Veres, et al, Scarsdale. Property: 377 Grand Blvd., New Rochelle. Amount: $465,000. Filed March 6. U.S. Bank N.A. Seller: Christopher B. Meagher, White Plains. Property: 208 G7B Harris Road, Bedford. Amount: $484,419. Filed March 7. U.S. Bank N.A. Seller: Frank D. Lombardi, Mahopac. Property: 25 Forest Ave., Ossining. Amount: $348,313. Filed March 6. Wilmington Savings Fund Society FSB. Seller: Glen Wakeford, et al, Yorktown Heights. Property: 2710 Cecile Drive, Yorktown. Amount: $412,000. Filed March 8. Wilmington Trust N.A. Seller: Victor J. Rosario, New Rochelle. Property: 40 Lincoln Ave., New Rochelle. Amount: $540,321. Filed March 7. Yorktown Oak LLC, Monsey. Seller: HSBC Bank USA N.A. Property: 3773 Oriole Court Yorktown. Amount: $204,750. Filed March 7.

FORECLOSURES CHAPPAQUA, 8 Colony Row. Single-family residence; lot size: 1.47 acres. Plaintiff: Wilmington Savings Fund Society. Plaintiff’s attorney: Freidman Vartolo LLP, 85 Broad St., New York City. Defendant: Sally Ann Siano. Referee: Joseph Goubeaud. Sale: March 26, 9:30 a.m. Approximate lien: $356,726.15. ELMSFORD, 24 Winthrop Ave. Single-family residence; lot size: N/A. Plaintiff: Wilmington Savings Fund Society. Plaintiff’s attorney: Friedman Vartolo LLP, 85 Broad St., New York City. Defendant: Jose Vasquez. Referee: Leticia Arzu. Sale: March 26, 9:30 a.m. Approximate lien: $492,017.74. HARRISON, 75 Fremont St. Two-family residence; lot size: 50x100. Plaintiff: Federal National Mortgage Association. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 175 Mile Crossing Blvd., Rochester. Defendant: Anita Darretta. Referee: Bruce Bozeman. Sale: March 26, 10 a.m. Approximate lien: $346,649.75.

MARCH 18, 2019

HARTSDALE, 3 Dunham Road. Single-family residence; lot size: .21 acres. Plaintiff: Wells Fargo Bank National Association. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 175 Mile Crossing Blvd., Rochester. Defendant: Joseph Wasserman. Referee: Anthony Tirone. Sale: March 19, 9:30 a.m. Approximate lien: $229,006. MOUNT KISCO, 367 Crow Hill Road. Single-family residence; lot size: 2.0 acres. Plaintiff: Emigrant Bank. Plaintiff’s attorney: Knuckles, Komosinski & Elliot, 565 Taxter Road, Suite 509, Elmsford. Defendant: Marjorie Weintraub. Referee: Michael Santangelo. Sale: March 20, 10 a.m. Approximate lien: $678,338. MOUNT VERNON, 250 Bradley Ave. Single-family residence; lot size: .08 acres. Plaintiff: Federal National Mortgage Association. Plaintiff’s attorney: Gross Polowy LLC, 1775 Wehrle Drive, Wiliamsville. Defendant: Richard Hassell. Referee: Naomi Duker. Sale: March 19, 9:15 a.m. Approximate lien: $212,983.45. MOUNT VERNON, 226 S.10th Ave. Single-family residence; lot size: .09 acres. Plaintiff: US Bank National Association. Plaintiff’s attorney: Plaintiff’s attorney: Fein, Such & Crane, 747 Chestnut Ridge Road, Suite 200, Chestnut Ridge. Defendant: Audley Johnson. Referee: John Guttridge. Sale: March 19, 9 a.m. Approximate lien: $551,189. MOUNT VERNON, 109 S. 14th Ave. Three-family residence; lot size: .12 acres. Plaintiff: US Bank National Association. Plaintiff’s attorney: Woods Oviatt Gilman LLP, 700 Crossroads Building, 2 State St., Rochester. Defendant: Verna Marsh. Referee: Bruce Bozeman. Sale: March 26, 9:30 a.m. Approximate lien: $796,069.31. MOUNT VERNON, 131 Pelhamdale Ave. Two-family residence; lot size: .07 acres. Plaintiff: Deutsche Bank National Trust Co. Plaintiff’s attorney: Shapiro,DiCaro & Barak, 175 Mile Crossing Blvd., Rochester. Defendant: Patricia Grant. Referee: Peter Rosato. Approximate lien: $526,107.83. NEW ROCHELLE, 187 Fifth Ave. Single-family residence; lot size: .26 acres. Plaintiff: 2D Cap Fund 1 LLC. Plaintiff’s attorney: Friedman Vartolo LLP, 85 Broad St., New York City. Defendant: Wendi Jackson Smith. Referee: James Hyer. Sale: March 26, 10 a.m. Approximate lien: $303,252.98. NEW ROCHELLE, 134 Webster Ave. Two-family resident; lot size: .07 acres. Plaintiff: US Bank Trust National Association. Plaintiff’s attorney: Cohn & Roth, 100 E. Old Country Road, Mineola. Defendant: Benjamin McKnight. Referee: JoAnn Cambareri. Sale: March 19, 9 a.m. Approximate lien: $290,807.

WCBJ

OSSINING, 118 Dale Ave. Two-family residence; lot size: .22 acres. Plaintiff: Bayview Loan Servicing LLC. Plaintiff’s attorney: Fein, Such & Crane, 747 Chestnut Ridge Road, Suite 200, Chestnut Ridge. Defendant: Maria Borja. Referee: Christopher Mangold. Sale: March 19, 9:30 a.m. Approximate lien: $557,470. YORKTOWN HEIGHTS, 3302 Old Crompond Road. Single-family residence; lot size: 3.98 acres. Plaintiff: Nationstar Mortgage LLC. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 175 Mile Crossing Blvd., Rochester. Defendant: James Kutter. Referee: Lisa Lia. Sale: March 20, 10 a.m. Approximate lien: $588,072.

JUDGMENTS Eye Care Associates LLC, Elmsford. $84,695 in favor of Maui Jim USA Inc., Peoria, Illinois. Filed March 5. Hawthorne Pizzeria Inc., Pleasantville. $37,296 in favor of US Foods Inc., Rosemont, Il. Filed March 7. JWD Enterprises Inc., Mount Vernon. $9,252 in favor of Baxter Bailey and Associates Inc., Southhaven, Missouri. Filed March 7. Yonkers Firefighters Local 628 International, Yonkers. $420 in favor of the city of Yonkers. Filed March 8. Yorktown Smart Growth, Yorktown Heights. $2,204 in favor of BJ’s Wholesale Club Inc., Westborough, Massachusetts. Filed March 5. Zeola Enterprises Inc., Ardsley. $19,113 in favor of Paint Applicator Corporation of America, Port Washington. Filed March 6.

LIS PENDENS The following filings indicated a legal action has been initiated, the outcome of which may affect the title to the property listed. Benson, E. Stephen, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $2 million affecting property located at 227 Middle Patent Road, Bedford 10506. Filed Sept. 19. Chen, Yan C., et al. Filed by Keybank N.A. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 24 Dickerson Road, Cortlandt Manor 10567. Filed Sept. 20. Clarke, Lilbert S., et al. Filed by U.S Bank N.A. Action: seeks to foreclose on a mortgage to secure $556,000 affecting property located at 35 Lark Ave., Greenburgh 10607. Filed Sept. 18.

Conte, Biagio A., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $500,000 affecting property located at 34 Pinesbridge Road, Mount Kisco 10549. Filed Sept. 20. Criddle, Rawlin T., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $265,000 affecting property located at 3897 Eleanor Drive, Mohegan Lake 10547. Filed Sept. 20. Cruz, Luis, et al. Filed by New Penn Financial LLC. Action: seeks to foreclose on a mortgage to secure $436,939 affecting property located at 335 Warwick Ave., Mount Vernon 10553. Filed Sept. 18. Ficuciello, Enrico, individually and as distributee of the estate of Bruno Ficuciello, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $322,700 affecting property located at 7 Clarendon Place, Scarsdale 10583. Filed Sept. 18. Fischer, Karen M., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $528,500 affecting property located at 2 Peaceable Court, Thornwood 10594. Filed Sept. 19. Fitzgerald, John W., et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $800,000 affecting property located at 5 O’Reilly Court, Croton-on-Hudson 10520. Filed Sept. 18. Ippoliti, Francisco J., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $450,500 affecting property located at 9 Iroquois Road, Ossining 10562. Filed Sept. 19. Marks, Charles, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $500,000 affecting property located at 379 Mountain Road, Irvington 10533. Filed Sept. 18. Mends, Augustus, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $414,000 affecting property located at 12 Maple Place, Yonkers 10704. Filed Sept. 19. Molina, Robert C., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $520,000 affecting property located at 41 Rosalind Ave., Pleasantville 10570. Filed Sept. 20. Mora, Josephina, et al. Filed by Fifth Third Mortgage Co. Action: seeks to foreclose on a mortgage to secure $378,750 affecting property located at 42 Dalewood Drive, Hartsdale 10530. Filed Sept. 19.

Moronta, Felipe R., et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $309,000 affecting property located at 10 Fairfield St., White Plains 10606. Filed Sept. 19. Public administrator of Westchester County as administrator of the estate of Frank Verdi, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $450,000 affecting property located at 29 MacArthur Blvd., Cortland Manor 10567. Filed Sept. 17. Saw, Clarice C., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $748,000 affecting property located at 178 Pleasantville Road, Pleasantville 10570. Filed Sept. 19. Sery, Michael, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $1 million affecting property located at 143 Midland Ave., Tarrytown 10591. Filed Sept. 19.

Mechanic’s Liens Harrison Commons Ltd., as owner. $109,276 as claimed by A.K. Gatsios Inc., Bronx. Property: in Harrison. Filed March 8.

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

Partnerships Slydon’s, 445 Tarrytown Road, Suite 1102, White Plains 10607, c/o Donald Gilmore and William Sylvester Parker. Filed June 15. Tri Flags Restaurant and Catering, 150 S. 14th Ave., Mount Vernon 10550, c/o Jahfari Jones and Marcia Jones. Filed June 15.

Sole Proprietorships Cyber Risk Advisors, 95 Lily Pond Lane, Katonah 10536, c/o Chris Hetner. Filed June 15. Home Base Construction, 57 Elm St., Mount Vernon 10550, c/o Douglas Grant. Filed June 13. Huddy and Friends Day Care, 151 Greenvale Ave., Yonkers 10703, c/o Kia Lea Hernandez. Filed June 13. Intuitive Well-Being, 19304 Town Green Drive, Elmsford 10523, c/o Kathleen T. Corritori. Filed June 15.

J Tokar Enterprises, 181 Kimball Terrace, Yonkers 10704, c/o John P. Tokar. Filed June 13. JLC Construction, 191 N. Regent St., Port Chester 10573, c/o Jocelino L. Do Couto. Filed June 15. K.D.-DeFashion, 47 Riverdale Ave., A3-18, Yonkers 10701, c/o Daniel T. Yeboch. Filed June 15. Lifestyle Makeover NY, 113 N. 10th Ave., Mount Vernon 10550, c/o Sheryl Crawford. Filed June 13. Magana Painting, 142 Palisade St., 1B, Dobbs Ferry 10522, c/o Carlos Humberto Hernandez. Filed June 13. Magnolia Beauty Care, 50 Riverdale Ave., No. 5E, Yonkers 10701, c/o Magnolia Cotacio Gaitan. Filed June 15. Mia’s Cleaning Service, 321 Hawthorne Ave., First floor, Yonkers 10705, c/o Elba Lina Perez. Filed June 15. Rubin and Co., 10 S. Cottenet St., Irvington 10533, c/o Dana G. Rubin. Filed June 13. Samardzic Cheesecakes, 250 Grand St., Mamaroneck 10543, c/o Marlene Samardzic. Filed June 15. Sophie’s Cleaning Services, 1180 Midland Ave., Apt. 2V, Bronxville 10708, c/o Sopha Henry. Filed June 15. Tester Halal Food, P.O. Box 8254, White Plains 10602, c/o Mohamed E. Gayed. Filed June 14. Wildlife of America Conservation Initiative, 5 Old Mamaroneck Ave., Apt. 4L, White Plains 10605, c/o Felix Olusola Abayomi. Filed June 14. Yoga with Ayako, 22 Main St., No. 2C, Hastings-on-Hudson 10706, c/o Ayako Uenishi. Filed June 15.

PATENTS Active control for two-phase cooling. Patent no. 10,231,359 issued to Timothy J. Chainer, Putnam Valley; Pritish R. Parida, Stamford, Connecticut; Joel A. Silberman, Somers. Assigned to International Business Machines Corp., Armonk. Challenge-response authentication based on internet of things information. Patent no. 10,231,122 issued to Rhonda L. Childress, Austin, Texas; Itzhack Goldberg, Hadera, Israel; Boaz Mizrachi, Haifa, Israel; Clifford A. Pickover, Yorktown Heights; Neil Sondhi, Budapest, Hungary. Assigned to International Business Machines Corp., Armonk.

Facts & Figures Cognitive assistant for mobile devices in low-power mode. Patent no. 10,231,184 issued to Evelyn R. Anderson, Houston, Texas; Natalie Brooks Powell, Bolingbrook, Illinois; Kristen Conley, Kieler, Wisconsin; Martin G. Keen, Cary, North Carolina. Assigned to International Business Machines Corp., Armonk. Cognitive geofencing. Patent no. 10,231,083 issued to Bjorn Austraat, New York; Swaminathan Chandrasekaran, Coppell, Texas. Assigned to International Business Machines Corp., Armonk. Cognitive massage dynamic response optimization. Patent no. 10,231,285 issued to Thomas E. Reichart, Columbia, Missouri; Benjamin C. Wisnewski, Columbia, Missouri; Daniel G. Yates, Columbia, Missouri. Assigned to International Business Machines Corp., Armonk. Combined installed audio-visual sensors with ad-hoc mobile audio-visual sensors for smart meeting rooms. Patent no. 10,230,922 issued to Stanley Chen, New York; Kenneth W. Church, Croton-on-Hudson; Vaibhava Goel, Chappaqua; Lidia L. Mangu, New York; Etienne Marcheret, White Plains; Bhuvana Ramabhadran, Mount Kisco; Laurence P. Sansone, Beacon; Abhinav Sethy, Chappaqua; Samuel Thomas, Elmsford. Assigned to International Business Machines Corp., Armonk. Communication access services for mobile phones. Patent no. 10,231,116 issued to Sivananthan Perumal, Bangalore, India; Hisham E. Elshishiny, Cairo, Egypt. Assigned to International Business Machines Corp., Armonk. Dynamic generation of geographically bound manet IDs. Patent no. 10,231,269 issued to Graham C. Charters, Southampton, United Kingdom; Bret W. Dixon, South Perth, Australia; Benjamin T. Horwood, North Perth, Australia; Alexander H. Poga, Wembley, Australia; Mark A. Shewell, Perth, Australia. Assigned to International Business Machines Corp., Armonk. Geo-fence management using a cluster-analysis technique. Patent no. 10,231,079 issued to Gilbert Barron, South Salem; Michael J. Bordash, Newtown, Connecticut; Louis F. Roehrs, Mountain View, California; Zachary P. Slayton, New York; Anurag Srivastava, Pune, India. Assigned to International Business Machines Corp., Armonk. Hazard warning system. Patent no. 10,231.362 issued to Sarah M. Drewery, Winchester, United Kingdom; Colin Holyoake, Braishfield, United Kingdom; David J. Tolley, Southampton, United Kingdom; Julian D. Williams, Ringwood, United Kingdom. Assigned to International Business Machines Corp., Armonk.

Hysteresis-based optical circuit switch scheduler. Patent no. 10,231,036 issued to Yaniv BenItzhak, Kiryat-Yam, Israel; Shay Vargaftik, Haifa, Israel. Assigned to International Business Machines Corp., Armonk. In-call fact checking. Patent no. 10,230,835 issued to James E. Bostick, Austin, Texas; John M. Ganci Jr., Cary, North Carolina; Sarbajit K. Rakshit, Kolkata, India; Craig M. Trim, Sylmar, California. Assigned to International Business Machines Corp., Armonk. Integration of a smartphone and smart conference system. Patent no. 10,231,051 issued to Shang Q. Guo, Cortlandt Manor; Jonathan Lenchner, North Salem; Maharaj Mukherjee, Poughkeepsie. Assigned to International Business Machines Corp., Armonk. Multistacked electronic device with defect-free solder connection. Patent no. 10,231,334 issued to Ai Kiar Ang, Singapore; Michael Lauri, Montgomery. Assigned to International Business Machines Corp., Armonk. Techniques for mobility-aware dynamic service placement in mobile clouds. Patent no. 10,231,102 issued to Dakshi Agrawal, Monsey; Ting He, Piermont; Ramya Raghavendra, White Plains; Yang Song, San Jose, California. Assigned to International Business Machines Corp., Armonk. Two-phase cooling with ambient-cooled condenser. Patent no. 10,231,357 issued to Timothy J. Chainer, Yorktown Heights; Milnes P. David, Poughkeepsie; Pritish R. Parida, Yorktown Heights. Assigned to International Business Machines Corp., Armonk.

HUDSON VALLEY BUILDING LOANS Above $1 million CNN Spruce LLC, as owner. Lender: Salisbury Bank and Trust Co. Property: in Poughkeepsie. Amount: $6 million. Filed March 1.

Below $1 million 168 Lander Street LLC, Newburgh, as owner. Lender: Salisbury Bank and Trust Co., Lakeville, Connecticut. Property: in Newburgh. Amount: $217,500. Filed March 5. 8 Rovna LLC, Monroe, as owner. Lender: Realty Closing Solution LLC, Teaneck, New Jersey. Property: 8 Rovna Way, Monroe 10950. Amount: $600,000. Filed March 6.

Bliss, Gregory, et al, Walden, as owner. Lender: Walden Savings Bank, Montgomery. Property: in Shawangunk. Amount: $276,500. Filed March 1. Calatozzo, Peter, et al, New York City, as owner. Lender: Ulster Savings Bank, Kingston. Property: 94 Bakertown Road, Rochester 12404. Amount: $596,250. Filed March 6. Homes By LV LLC, Newburgh, as owner. Lender: Michele Goncher, Garnerville. Property: 50 Hasbrouck St., Newburgh. Amount: $40,000. Filed March 6. Lima One Capital LLC, Greenville, South Carolina, as owner. Lender: Fox Smith Homes LLC, Gardiner. Property: 26 Knoth Road, Wallkill 12589. Amount: $147,840. Filed March 6. Maples Homestead LLC. Lender: NYBDC Local Development Corp. Property: in Rhinebeck. Amount: $400,000. Filed March 4. Pierre-Paul, Marie J., Kingston, as owner. Lender: Rondout Savings Bank, Kingston. Property: 57-59 Crane St., Kingston 12401. Amount: $120,000. Filed March 1. Rose, William P., et al, Wallkill, as owner. Lender: Walden Savings Bank, Montgomery. Property: 30 Emily Drive, Wallkill. Amount: $145,500. Filed March 1.

DEEDS Above $1 million 160 Union Holdings LLC, Suffern. Seller: 160 Union Street LLC, Poughkeepsie. Property: in Poughkeepsie. Amount: $1.2 million. Filed March 7. City of New York. Seller: Out-ofBounds Realty Corp., Poughkeepsie. Property: in Olive. Amount: $1.1 million. Filed March 4. Kingston Frank Sottile Boulevard LLC, Liverpool. Seller: TRU 2005 RE I LLC, New York City. Property: in Ulster. Amount: $3.1 million. Filed March 5.

Below $1 million 10-12 Van Ness Realty Partners LLC, Yonkers. Seller: City of Newburgh. Property: 10 Van Ness St., Newburgh. Amount: $6,000. Filed March 4. 1215 Putnam LLC, New York City. Seller: Jonathan Sussman, et al, Brooklyn. Property: 38 Canaan Road, New Paltz 12561. Amount: $415,000. Filed March 7.

126 Milk Street LLC, Wallkill. Seller: Michael E. Sobon, et al, Gardiner. Property: in Gardiner. Amount: $100,000. Filed March 6. 16 Livingston LLC, Brooklyn. Seller: Paul Korczak, Rhinebeck. Property: in Saugerties. Amount: $968,000. Filed March 7. 18 Trail LLC, Brooklyn. Seller: Christine Derohannesian, Central Valley. Property: 15 Valley Ave., Woodbury. Amount: $205,000. Field March 6. 180 Developers LLC, Ellenville. Seller: David Johnson, Ellenville. Property: 82 Westwood Ave., Ellenville 12428. Amount: $120,000. Filed March 5. 23 Prince Street San Miguel LLC, Middletown. Seller: Alfred Allen, Newburgh. Property: in Newburgh. Amount: $250,000. Filed March 8. 44 Main Kingston LLC, Salt Point. Seller: Walter E. Reinsdorf, et al, Rhinebeck. Property: in Rhinebeck. Amount: $314,500. Filed March 5. 465 Plutarch Road LLC, Brooklyn. Seller: U.S. Bank N.A. Property: 465 Plutarch Road, Highland 12528. Amount: $62,706. Filed March 4. 68 Prince Street Studios LLC, New Paltz. Seller: 68 Prince Street Kingston NY LLC, Rego Park. Property: 68 Prince St., Kingston. Amount: $161,000. Filed March 6. 93 Cottage Street LLC, Middletown. Seller: Kevin Mulligan, Chester. Property: in Middletown. Amount: $138,000. Filed March 8. A.H.J.P. LLC, Poughkeepsie. Seller: Edwin J. McNiff Jr., et al, Poughkeepsie. Property: 232 Church St., Poughkeepsie 12601. Amount: $130,000. Filed March 5. Angelo Equities LLC, Monroe. Seller: NYC REO LLC, Whitestone. Property: 366 Angelo Drive, Montgomery 10950. Amount: $160,000. Filed March 8. Ankushbajaj Realty LLC, White Plains. Seller: The Bank of New York Mellon. Property: 98 Bloomer Road, LaGrangeville 12540. Amount: $143,500. Filed March 5. Balmville Construction Inc., Newburgh. Seller: Tarben Inc., Newburgh. Property: in Newburgh. Amount: $80,000. Filed March 6. Bank of America N.A. Seller: Michael Blustein, Goshen. Property: 9 Fedorko Lane, Montgomery 12549. Amount: $257,845. Filed March 8. Bank of America N.A. Seller: Richard Schisano, Newburgh. Property: 14 Palatine Ave., Newburgh 12550. Amount: $381,433. Filed March 4.

Bank of Millbrook, Millbrook. Seller: Berkshire Corner Properties LLC, Millerton. Property: in Millerton. Amount: $391,500. Filed March 7.

Federal Home Loan Mortgage Corp. Seller: Roland Bloomer, Newburgh. Property: 23 Laurel Trail, Monroe 10950. Amount: $161,873. Filed March 5.

Bank of Millbrook, Millbrook. Seller: Berkshire Corner Properties LLC, Millerton. Property: in Millerton. Amount: $87,000. Filed March 7.

Federal National Mortgage Association. Seller: Kelli O’Brien, Goshen. Property: 83 High St., Monroe 10950. Amount: $303,480. Filed March 7.

Bank of Millbrook, Millbrook. Seller: Berkshire Corner Properties LLC, Millerton. Property: in Millerton. Amount: $239,500. Filed March 7.

Flippin Crazy LLC, Kingston. Seller: Nationstar HECM Acquisition Trust 2018-2. Property: in Hurley. Amount: $102,000. Filed March 4.

Bank of Millbrook, Millbrook. Seller: Berkshire Corner Properties LLC, Millerton. Property: in Millerton. Amount: $130,500. Filed March 7. Bright Futures Capital LLC, Poughkeepsie. Seller: Fannie Mae. Property 39 S. Cross Road, LaGrangeville 12540. Amount: $195,000. Filed March 7. Capital Bay Real Estate Inc., Whitestone. Seller: Wells Fargo Bank N.A. Property: 29 Apple Lane, Westbrookville 12785. Amount: $47,000. Filed March 8. Champion Properties Inc., Hyde Park. Seller: U.S. Bank N.A. Property: 401 Country Club Lane, Kingston 12401. Amount: $210,333. Filed March 6. Charlie’s Real Estate LLC, Poughkeepsie. Seller: Firelight LLC, Kingston. Property: 1305 Lucas Ave., Kingston 12401. Amount: $80,000. Filed March 5. Colonia Realty Holding LLC, Suffern. Seller: Burton Gold Properties LLC, Poughkeepsie. Property: 147 Union Street and 47 Delano St., Poughkeepsie. Amount: $800,000. Filed March 7. Colonial Realty Holding LLC, Suffern. Seller: Burton Gold Properties LLC, Poughkeepsie. Property: in Poughkeepsie. Amount: $400,000. Filed March 7. Datang Joint LLC, Middletown. Seller: Northern Enterprise NY LLC, Highland Mills. Property: 63 Wickham Ave., Middletown 10940. Amount: $157,000. Filed March 8. Devco Real Estate Inc., Cornwall-on-Hudson. Seller: Maurice J. Picard, New Windsor. Property: 11 Continental Drive, New Windsor. Amount: $140,000. Filed March 5. Equity Trust Co. Seller: The Bank of New York Mellon. Property: 37 Moffat Road, Washingtonville 10992. Amount: $172,890. Filed March 5. EXR LLC, Spring Valley. Seller: HSBC Bank USA N.A. Property: 609 Salt Point Turnpike, Poughkeepsie 12601. Amount: $12,500. Field March 6.

WCBJ

Gone Properties Company Inc., Bronx. Seller: Fannie Mae. Property: 130 Mansion St., Poughkeepsie 12601. Amount: $60,500. Filed March 4. Hoang and Nguyen Bros LLC, New Windsor. Seller: Wilmington Savings Fund Society FSB. Property: 91 Meadow Hill Road, Newburgh 12550. Amount: $150,000. Filed March 4. Homes By LV LLC, Newburgh. Seller: City of Newburgh. Property: 60 Hasbrouck St., Newburgh. Amount: $42,115. Filed March 6. Hudson Valley Federal Credit Union, Poughkeepsie. Seller: Christopher J. O’Brien, Richmond Hill, Georgia. Property: in Plattekill. Amount: $158,959. Filed March 6. JAH LLC, Goshen. Seller: U.S. Bank N.A. Property: 333 N St., Newburgh 12550. Amount: $98,460. Filed March 8. Jin Hong Realty Inc., New Windsor. Seller: Kayleigh A. Brunet, Newburgh. Property: 7 Penny Lane, Newburgh 12550. Amount: $135,000. Filed March 8. Kabir Batra Company LLC, South Ozone Park. Seller: Gunther J. Heinzel, Middletown. Property: 2635 Route 17M, Goshen 10924. Amount: $172,000. Filed March 6. Kastan Art Space LLC, Warwick. Seller: Balgeenis Inc., Greenwood Lake. Property: in Greenwood Lake. Amount: $185,000. Filed March 5. Kingston NY Inc., Kingston. Seller: Salma Khanom, Kingston. Property: 52 Warren St., Ellenville. Amount: $50,000. Filed March 4. Laelia LLC, Seattle, Washington. Seller: Benjamin A. Greenwald, New Windsor. Property: 12 Finneran Lane Pine Bush 12566. Amount: $124,000. Filed March 7. Leisch Acres LLC, Poughkeepsie. Seller: Richard A. De Ramon, et al, Rhinebeck. Property: in LaGrange. Amount: $310,000. Filed March 5. M-M2 RE Holdings 17 LLC, Salt Point. Seller: U.S. Bank N.A. Property: 17 Clapp Ave., Wappingers Falls 12590. Amount: $116,500. Filed March 7. MARCH 18, 2019

Facts & Figures M&T Bank, Buffalo. Seller: Benjamin A. Greenwald, New Windsor. Property: 8 Jay St., New Windsor 12553. Amount: $146,900. Filed March 7. Maggie Enterprises LLC, Wallkill. Seller: Betty Hathaway, Wallkill. Property: in Newburgh. Amount: $45,000. Filed March 8. Martelvich LLC, New York City. Seller: U.S. Bank N.A. Property: 8 Woodside Place, Highland 12528. Amount: $83,236. Filed March 1. Mid-Hudson Development Corp., Fishkill. Seller: RJA Holding Inc., Wappingers Falls. Property: in Wappinger. Amount: $125,000. Filed March 7. MTGLQ Investors LP, Irvine, California. Seller: Henry Christensen, Goshen. Property: 100 Anna Court, Middletown 10941. Amount: $260,474. Filed March 7. N.D.G. Associates Inc., New City. Seller: Debora Albanese, Mahopac. Property: 11 On the Green, unit 11D, New Windsor 12553. Amount: $70,000. Filed March 5. Network Contracting of Ulster Inc., Mount Tremper. Seller: Selene Finance LP. Property: 35 Broadstreet Hollow Road, Shandaken 12480. Amount: $56,250. Filed March 7. New York Primo Development LLC, Mahopac. Seller: Charlie’s Real Estate LLC, Poughkeepsie. Property: 1305 Lucas Ave., Kingston 12401. Amount: $100,000. Filed March 5. North Front Ventures LLC, Hurley. Seller: Maryann E. Sheeley, Spring Lake, North Carolina. Property: in Kingston. Amount: $500,000. Filed March 5. Northwest Farms Inc., Wassaic. Seller: Darilee Inc., Holmes. Property: 58 Benson Road and 55 S. Amenia Road, Amenia. Amount: $375,000. Filed March 7. Old Sycamore Realty II LLC, Goshen. Seller: 2002 Route 17M Goshen Corp., Bayville. Property: in Goshen. Amount: $695,000. Filed March 8. Open Space Institute Land Trust Inc., New York City. Seller: Morton Adams, et al, West Shokan. Property: in Olive. Amount: $665,000. Filed March 7. P and T Main Street LLC, Wallkill. Seller: Robin Hayes, Gardiner. Property: in Gardiner. Amount: $300,000. Filed March 6. Pok Mill LLC, New York City. Seller: Mill Street Properties Inc., Mohegan Lake. Property: in Poughkeepsie. Amount: $614,000. Filed March 1.

MARCH 18, 2019

Princesa D’Villa LLC, New Windsor. Seller: James J. Colgan, Pearl River. Property: 1804 Parr Lake Drive, unit 180, Newburgh 12550. Amount: $55,000. Filed March 5. PROF-2013-S3. Seller: Ronald J. Salvato, Goshen. Property: 68 Linden Ave., Middletown 10940. Amount: $229,275. Filed March 8. Renovacore Properties Inc., Hopewell Junction. Seller: The Bank of New York Mellon. Property: 27 Kinry Road, Poughkeepsie 12603. Amount: $165,500. Filed March 6. RLA Homes LLC, Monroe. Seller: Wilmington Savings Fund Society FSB. Property: 67 Park Drive, Warwick 10990. Amount: $155,000. Filed March 7. Stissing Mountain Property LLC, New York City. Seller: Donna Marie Jones, et al, Poughquag. Property: Stissing Mountain Drive, Pine Plains. Amount: $35,000. Filed March 1. Tayacan LLC, West Hurley. Seller: 44 Main Kingston LLC, Kingston. Property: 44 Main St., Kingston. Amount: $652,500. Filed March 6. Town of Warwick. Seller: Alan G. House, Warwick. Property: in Warwick. Amount: $30,000. Filed March 6. U.S. Bank N.A. Seller: Donald Brown, Poughkeepsie. Property: 61 Meyer Ave., Poughkeepsie 12603. Amount: $165,000. Filed March 6. U.S. Bank N.A. Seller: John Wirth, Poughkeepsie. Property: 43 Matuk Drive, Hyde Park 12538. Amount: $255,500. Filed March 7. U.S. Bank Trust N.A. Seller: Alan L. Joseph, Goshen. Property: 134 S. Main St., Florida 10921. Amount: $293,504. Filed March 7.

Glenmont Petroleum Inc., Newburgh. $191 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10.

MG and D Painting Inc., Newburgh. $1,144 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 3.

Grasshopper Tavern Inc., Pine Bush. $7,583 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10.

Oasis Entertainment LLC, Newburgh. $690 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 3.

A and B Septic Inc., Monroe. $183 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10.

Greenline Mechanical Corp., Montgomery. $835 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10.

Old Fashion Deli and Grocery Inc., Montgomery. $2,182 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 3.

A Class 1-S Transportation Corp., Walden. $150 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10.

Highland Falls Deli and Grocery Inc., Highland Falls. $6,083 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 2.

Phoenix Preowned Inc., Newburgh. $1,523 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 3.

Anna’s Restaurant and Pizzeria Inc., Montgomery. $178 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 2.

Houses Auto Body LLC, Middletown. $928 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 2.

5 Star Tent and Event Rentals Inc., Monroe. $1,535 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 3. A 2 Z Services Inc., Middletown. $13,230 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 3.

Aris Services and More Inc., Monroe. $1,260 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 2. Buzzz Kill LLC, Walden. $1,146 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10. Capacity Elevator Industries Corp., Highland Mills. $15,761 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10. Circle Enterprise of New York Inc., Rock Tavern. $167 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 2. Climate Change HVAC of NY Inc., Monroe. $930 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10.

U.S. Bank Trust N.A. Seller: Michele Rametta, Goshen. Property: 325 Jackson Ave., New Windsor 12553. Amount: $451,623. Filed March 6.

Clown Magi and Fun Inc., Newburgh. $928 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 2.

Weathervane CC Corp., Montgomery. Seller: James J. Robertson, et al, Fredericksburg, Virginia. Property: in Walden. Amount: $65,000. Filed March 5.

Computer Technology Services LLC, Newburgh. $1,508 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10.

West Park Holding Group LLC, Kingston. Seller: G. Palate Restaurant LLC, West Park. Property: in Esopus. Amount: $275,000. Filed March 1.

Congregation Yeshiva and Mesivt Beer Torah Vyiray, Monroe. $6,727 in favor of the New York State Department of Labor, Albany. Filed Oct. 10.

JUDGMENTS

Earth Strong Food Corp., Middletown. $408 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 2.

325 Mina’s Corp., New Windsor. $6,246 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 3.

WCBJ

East 77 E Corp., Monroe. $4,187 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10.

HYZ and HYC LLC, Middletown. $100 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 2. Independent Insurance Brokerage Resources Inc., New Windsor. $183 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10. Jazz-E Motors LLC, New Windsor. $10,849 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 2. Jentrip Ltd., New Paltz. $23,313 in favor of the New York State Department of Taxation and Finance, Albany. Filed March 5. JGAJ Petroleum Inc., Newburgh. $5,154 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10. JGGJ Inc., Warwick. $60,177 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10.

Printing Express Inc., Washingtonville. $542 in favor of the New York State Department of Labor, Albany. Filed Oct. 10. RMD Automotive Enterprises Inc., Pine Bush. $7,022 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 3. Rondout Bargain’s LLC, Kingston. $963 in favor of the New York State Department of Taxation and Finance, Albany. Filed March 5. Shine Auto Wash Plus Inc., New Paltz. $4,979 in favor of the New York State Department of Taxation and Finance, Albany. Filed March 5. Showalter’s Auto and Equipment, Goshen. $100 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 3. Smarty Pants Tech LLC, Cornwall-on-Hudson. $195 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 3. Steve and Jim’s Diner Inc., Monroe. $114 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10.

JZ Sport Bar and Lounge Inc., Middletown. $139 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10.

Style Finds Consignment, Middletown. $1,033 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 3.

Kandy Bar Boutique Inc., Middletown. $100 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 2.

Uncle Willy’s Inc., Lake Katrine. $21,452 in favor of the New York State Department of Taxation and Finance, Albany. Filed March 5.

Latinos American Grill Inc., Monroe. $2,770 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 2.

Wine Worldwide Inc., New Paltz. $767 in favor of the New York State Department of Taxation and Finance, Albany. Filed March 5.

Leader Aircraft LLC, Saugerties. $1,066 in favor of the New York State Department of Taxation and Finance, Albany. Filed March 5.

LIS PENDENS The following filings indicated a legal action has been initiated, the outcome of which may affect the title to the property listed. Antwi-Adjei, Aretha, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $341,200 affecting property located at 2704 Colonial Drive, New Windsor 12553. Filed Jan. 30. Bell, Michael A. Jr., et al. Filed by Lakeview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $255,192 affecting property located at 72 Delaware Road, Newburgh 12550. Filed Jan. 25. Bogen, Johanna B., et al. Filed by Deutsche Bank Trust Company Americas. Action: seeks to foreclose on a mortgage to secure $524,000 affecting property located at 748 Clapp Hill Road, Beekman 12570. Filed March 4. Busacca, Eileen, individually and as surviving spouse of John Busacca, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $435,000 affecting property located at 14 Memory Lane, Poughkeepsie 12603. Filed March 6. Callas, David T., et al. Filed by MTGLQ Investors LP. Action: seeks to foreclose on a mortgage to secure $250,000 affecting property located at 2053 Route 300, Wallkill 12589. Filed Jan. 31. Chervil, Lynda, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $314,825 affecting property located at 55 Cascade Road, Warwick 10990. Filed Jan. 24. Connell, Jason M., et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $151,900 affecting property located at 84 D Alfonso Road, Newburgh 12550. Filed Jan. 28. Creighton, Patrick, et al. Filed by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure $118,401 affecting property located at 301 Jersey Ave., Greenwood Lake 10925. Filed Jan. 28. Damore, Anthony P., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $354,300 affecting property located at 12 Hawk Lane, Poughkeepsie 12601. Filed March 5. Dancy, Alfonzia Sr., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $116,000 affecting property located at 23 Van Buren St., Kingston 12401. Filed March 5.

Facts & Figures Drake, Yvette, et al. Filed by Caliber Home Loans Inc. Action: seeks to foreclose on a mortgage to secure $272,494 affecting property located at 204 Route 213, Port Ewen 12466. Filed March 5. Duboff, Judith A., et al. Filed by Nationstar HECM Acquisition Trust 2017-2. Action: seeks to foreclose on a mortgage to secure $352,500 affecting property located at 149 Route 284, Unionville 10988. Filed Jan. 25. Ekstein, Berish, et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 4 Taitch Court, Unit 101, Monroe 10950. Filed Feb. 1.

Lawrence, Sheena, et al. Filed by Freedom Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $295,213 affecting property located at 35 Alexander Drive, Washingtonville 10992. Filed Jan. 22.

Oppong, Alex, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $162,800 affecting property located at 53 Mayer Drive, Building 6, Unit 4, Middletown 10940. Filed Jan. 30.

Lugo, Lenin R., et al. Filed by Loandepot.com LLC. Action: seeks to foreclose on a mortgage to secure $232,800 affecting property located at 5 Roselawn Road, Highland Mills 10930. Filed Jan. 24.

Pacio, Susan, et al. Filed by Keybank N.A. Action: seeks to foreclose on a mortgage to secure $80,000 affecting property located at 1 Elmwood Ave., Poughkeepsie 12603. Filed March 6.

Mann, Wallace L., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $57,000 affecting property located at 1 Pleasantview Road, Monroe 10950. Filed Jan. 24.

Pomarico, John, et al. Filed by Citizens Bank N.A. Action: seeks to foreclose on a mortgage to secure $95,000 affecting property located at 35 Mead Ave., Beacon. Filed March 5.

Fortin, Camille, et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $225,000 affecting property located in Newburgh. Filed Jan. 22.

Marrapodi, Robert A., et al. Filed by CIT Bank N.A. Action: seeks to foreclose on a mortgage to secure $464,000 affecting property located at 109 W. Meadowbrook Lane, Staatsburg 12580. Filed March 1.

Frazier, Frederick, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $333,841 affecting property located at 20 Tanglewood Drive, Goshen 10924. Filed Jan. 30.

Mascara, Eliana, et al. Filed by CIT Bank N.A. Action: seeks to foreclose on a mortgage to secure $264,894 affecting property located at 4 Clarence Mews, Middletown 10940. Filed Jan. 23.

Frink, Ladine M., et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $181,649 affecting property located at 155 Rockwell Ave., Middletown 10940. Filed Jan. 22. Heirs and distributees of the estate of William R. Winters, et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $275,000 affecting property located at 10 Fenmore Drive, Wappingers Falls 12590. Filed March 4. Hernandez, Lydda M., et al. Filed by Hudson Heritage Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $90,000 affecting property located at 54 Neversink Drive, Port Jervis 12771. Filed Jan. 31. Kaznowski, Steven W., et al. Filed by Deutsche Bank Trust Company Americas. Action: seeks to foreclose on a mortgage to secure $156,296 affecting property located at 177 Old Flatbush Road, Kingston 12401. Filed March 4. Kaznowski, Steven, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $265,000 affecting property located at 193 Old Flatbush Road, Kingston 12401. Filed March 4. Lasponaro, Scott R., et al. Filed by Loancare LLC. Action: seeks to foreclose on a mortgage to secure $107,635 affecting property located at 520 Shore Drive, New Windsor 12553. Filed Jan. 31.

Rahaman, Farhad, et al. Filed by PennyMac Loan Services LLC. Action: seeks to foreclose on a mortgage to secure $299,935 affecting property located at 810 Hawthorne Way, New Windsor 12553. Filed Jan. 30.

Soro, Christina M., et al. Filed by Quicken Loans Inc. Action: seeks to foreclose on a mortgage to secure $128,000 affecting property located at 545 Route 12, New Hampton 10958. Filed Jan. 31. Steele, Steven, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $82,845 affecting property located at 52-54 Fowler St., Port Jervis 12771. Filed Jan. 31. Strauss, Alan H., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $235,307 affecting property located at 8 Sand Hill Road, Gardiner 12525. Filed March 4. Unknown heirs of the estate of Ada Sanchez, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $110,000 affecting property located at 236 W. Main St., Middletown 10940. Filed Jan. 24.

Rebock, Melissa, et al. Filed by MTGLQ Investors LP. Action: seeks to foreclose on a mortgage to secure $148,750 affecting property located at 312 Foxhollow Road, Shandaken 12480. Filed March 1.

Unknown heirs of the estate of Florence B. Winstanley, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $420,000 affecting property located at 16 Bridle Path, Newburgh 12550. Filed Jan. 22.

McEnery, David, et al. Filed by Deutsche Bank Trust Company Americas. Action: seeks to foreclose on a mortgage to secure $199,920 affecting property located at 4316 Whispering Hills, Chester 10918. Filed Jan. 22.

Roush, Robert S. Jr., et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $150,000 affecting property located at 715 Slate Quarry Road, Rhinebeck 12572. Filed March 4.

Warmbrand, Daryl G., et al. Filed by MTGLQ Investors LP. Action: seeks to foreclose on a mortgage to secure $254,000 affecting property located at 5 Valerie Drive, Chester 10918. Filed Jan. 22.

Mcleish, Nyron A., et al. Filed by Christina Trust. Action: seeks to foreclose on a mortgage to secure $569,000 affecting property located at 103 Forest Hill Road, Fort Montgomery 10992. Filed Jan. 31.

Rumsey, Joseph A., et al. Filed by Specialized Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $106,253 affecting property located at 15 Rumsey Lane, Monroe 10950. Filed Jan. 29.

Mechanic’s Liens

Merla, Francisca, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $229,425 affecting property located at 16 Alex Court, Middletown 10940. Filed Jan. 31.

Schmitt, D. Jane, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $397,500 affecting property located at 21 Murray Road, Greenwood Lake 10925. Filed Jan. 28.

Milatz, Peter C., et al. Filed by Citibank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 12 Hawthorne Drive, Monroe 10950. Filed Jan. 31.

Scott, Timothy J., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $170,520 affecting property located at 226 Malden Turnpike, Saugerties 12477. Filed March 7.

Miranda, Joel, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $260,905 affecting property located at 14 Columbus Ave., Newburgh 12550. Filed Jan. 30.

Shaughnessy, John, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $158,000 affecting property located at 1264 Route 6, Port Jervis 12771. Filed Jan. 28.

Moliterno, Daniel J., et al. Filed by Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $45,000 affecting property located at 131 Brandt Road, Westbrookville 12785. Filed Jan. 29.

Smith, Rene J., et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $198,776 affecting property located at 38 Watkins Ave., Middletown 10940. Filed Jan. 31.

Olmo, Wilberto Jr., et al. Filed by Ronen LLC. Action: seeks to foreclose on a mortgage to secure $175,950 affecting property located at 11 Winchester Ave. Middletown 10940. Filed Jan. 23.

Hopewell Sportsdome Ventures LLC, as owner. $92,055 as claimed by Marjam Supply Company Inc. Property: 500 South Drive, Hopewell Junction. Filed March 8. Oakwood Terrace Housing Corp., New Windsor, as owner. $15,291 as claimed by Northeastern Development Corp., Wappingers Falls. Property: 10 Oakwood Terrace, New Windsor 12553. Filed March 5. Sutherland, Anita, as owner. $4,800 as claimed by Divar Plumbing and Heating LLC. Property: in East Fishkill. Filed March 6.

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

Broadway Party Rentals, 394 Broadway, Newburgh 12550, c/o Wendy Martinez and Alejandro Ramos Lopez. Filed Jan. 24.

Just Like Home Family Daycare, 122 Hawley’s Corner Road, Highland 12528, c/o Cinda A. Starkey. Filed March 7.

Gal Axiom, 26 Frederick Drive, Lake Katrine 12449, c/o John Raymond Ricci and Cody James Naccarato. Filed March 1.

Lasting Images Tattoo and Body Piercing, 2015 John Jay Court, New Windsor 12553, c/o Donald William McCarroll. Filed Jan. 28.

JGM Property Management, 686 Route 44/55, Highland 12528, c/o Jordan Pascariello and Debra J. Cardillo. Filed March 1.

Like That Bag Boutique, 336 Old Forge Hill Road, New Windsor 12553, c/o Mertis McMillan. Filed Jan. 25.

TopLine Construction, 17 Bellevue Road, Newburgh 12550, c/o Arthur P. Rummel III and Eric M. Asmann. Filed Jan. 25.

Lyall Tree Care, 2465 Glasco Turnpike, Cabin 2, Woodstock 12498, c/o Steven Lyall. Filed March 1. Lynda Jean Mitchell Esquire, 53 Harts Lane, Walden 12586, c/o Lynda Jean Mitchell. Filed Jan. 25.

Sole Proprietorships A and S All Seasonal Lawn Care and Landscaping, 25 Doris Lane, Lake Katrine 12449, c/o Shawn Micheal VanSteenburg. Filed March 6. AJ Transport, 1 Pleasant Ave., No. 2, Walden 12586, c/o Anthony James Johnson, Jr. Filed Jan. 24. Arlu Jewelry, 68 N. Manheim Blvd., New Paltz 12561, c/o Rael J. Cantline. Filed March 5. Big E’s Immaculate Rides, 708 Neighborhood Road, Apt.13H, Lake Katrine 12449, c/o Eric M. Jones. Filed March 7. Brian Allen Plumbing and Heating, 31 Coffey Place, Kingston 12401, c/o Brian K. Allen. Filed March 4. Cenote Therapy, 108 W. O’Reilly St., Kingston 12401, c/o Charles Robert Thompson-Shealy. Filed March 5. Clearview Judgment Recovery, 105 Penstock Lane, Lake Katrine 12449, c/o Benny Wilder. Filed March 7. Deborah’s District, 29 Culvert St., Apt. G11, Port Jervis 12771, c/o Deborah Ebony Ramnath. Filed Jan. 24. Dill Automotive, 55 Main St., Ellenville 12428, c/o Vincent S. Dillard. Filed March 6.

Ol’ Boy Outdoors, 1204 Blue Mountain Road, Saugerties 12477, c/o Keith VanRoy. Filed March 5. Rasta Love Construction Co., 187 Route 28, Kingston 12401, c/o Natasha Dawneka Love. Filed March 1. STH Editorial Services, 1500 Northwoods Road, Apt. 1, Middletown 10940, c/o Samantha Tillie Holtgrewe. Filed Jan. 28. Stone House Tavern, 4802 Route 209, Accord 12404, c/o Linda A. Bradford. Filed March 7. T and A Auto Sales and Repairs, 1881 Route 300, Unit 4, Newburgh 12550, c/o T.C.D. Christy. Filed Jan. 28. The Healing Power of Touch, 36 Oriole Drive, Woodstock 12498, c/o Harris Breiman. Filed March 5. Valyn Nails and Spa, 673 Little Britain Road, New Windsor 12553, c/o Kieunga T. Duong. Filed Jan. 24. Van Duzer Family Type Home, 4 Evans Lane, Walden 12586, c/o Adonisa G. Van Duzer. Filed Jan. 28. Wana’s Beauty Collections, 237 Elm St., Monroe 10950, c/o Wana Kopor. Filed Jan. 24. YIC Services, 2 Brookside Drive, Harriman 10926, c/o Ilera Celestin Jr. Filed Jan. 24.

Emily Rose Theo, 15 Hone St., No. 2, Kingston 12401, c/o Emily R. Theobald. Filed March 4.

Partnerships

Grandmas Attic Finds, 157 Dolson Ave., Unit 34, Middletown 10940, c/o Anthony J. Vara. Filed Jan. 25.

AT and Carranza Cleaning Service, 199 Lake Drive, Newburgh, c/o Alma D. Tenorio and Brenda Morales. Filed Jan. 24.

J for Jezebel, 25 Chester Acres Blvd., Chester 10918, c/o Linda Enid Gonzalez. Filed Jan. 25.

WCBJ

MARCH 18, 2019

LEGAL NOTICES NOTICE OF FORMATION OF TALKTOME TECHLANGUAGE THERAPY PLLC. Arts of Org. filed with SSNY on 1/24/19. Office loc. Westchester County. SSNY designated as agent upon whom process may be served. SSNY shall mail a copy of any process against the PLLC: MAYA FELDMAN 7 RANDY LN PLEASANTVILLE NY 10570 The principal business address of the PLLC is: 7 RANDY LN PLEASANTVILLE NY 10570 Purpose: any lawful act or activity #62041 Four Jax LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 11/21/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to PO Box 264, Pleasantville, NY 10570. General Purpose. #62042 Notice of Formation of Hairvine Salon LLC Art. Of Org. filed with SSNY on 01/25/19. 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, 480 Main St, Armonk, NY, 10504. Purpose: any lawful purpose. #62043 Notice of Formation of Global Learning Unlimited, LLC. filed with SSNY on 9/16/18. Offc. Loc: 22 Leland Avenue, New Rochelle, NY 10805. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the: Global Learning Unlimited, LLC, 22 Leland Avenue, New Rochelle, NY 10805. Purpose any lawful purpose. #62044 Notice of formation of Cellar & Sawdust Contracting + Design, LLC. Articles of formation filed with New York Secretary of State (SSNY) on 1/14/19. Office located in Westchester County. SSNY designated as agent upon which process may be served. SSNY shall mail a copy of process to: 25 Rosehill Ave, Tarrytown, NY 10591, the principal business location of LLC. Purpose of business is any lawful act or activity. #62045 36 Haven Ave. Realty LLC. Filed 1/25/19 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 14 Senator Levy Drive, Suffern, NY 10901 Purpose: all lawful #62046 NOTICE OF FORMATION of CSRC LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 10/15/2018. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served and shall mail process to: CSRC LLC, 109 Appleby Drive, Bedford, NY 10506, principal business address. Purpose: any lawful activity. #62047

FMBJ608 LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 1/4/2019. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 112 Forest Ave., New Rochelle, NY 10804.General Purpose. #62048 Tom Schirmacher Studio LLC. Art. of Org. filed 2/6/19. Office in Westchester Co. SSNY designated for service of process and shall mail to Reg. Agent: Thomas Law Firm, 175 Varick St, NY, NY 10014. Purpose: Any lawful activity #62049 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: SKINCARE BY KRISTEN A. EVANS LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 02/15/17. 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: Tony Braca, CPA, 700 Summer St, Suite 1K, Stamford, CT 06901. Purpose: any lawful business activity. #62050 Notice of Formation of LUMINA LIFECARE LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 1/28/19. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: Maura Milligan Newman, 114 Bellair Drive, Dobbs Ferry, NY 10522. Purpose: any lawful act or activity. #62051 Notice of Formation of RIMBY LLC Art. Of Org. filed with SSNY on 2/7/19. 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, 1 Bronxville Rd #6M, Bronxville, NY 10708. Purpose: any lawful purpose. #62052 Notice of Formation of FiveSixty LLC Art. Of Org. filed with SSNY on 1/9/19. 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, P.O. Box 342, Yonkers, NY 10705. Purpose: any lawful purpose. #62053 Notice of Formation of La Gitana, LLC Articles of Organization were filed with SSNY on 10/31/2018. Off. Loc: Westchester Cty. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 90 State Street, STE 700 Office 40. Albany, NY 12207. Purpose: any lawful business activity. #62055 NRTL LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 2/8/2019. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 774 Post Rd., Ste. 210, Scarsdale, NY 10583.General Purpose. #62057

MARCH 18, 2019

WCBJ

Seeds 4 Life LLC Filed 2/4/19 Office: Westchester Co. SSNY designated as agent for process & shall mail to: c/o Galgano & Sharp, 399 Knollwood Road, Suite 308, White Plains, NY 10603 Purpose: all lawful #62058 The Biomass Fund, LLC Filed 2/4/19 Office: Westchester Co. SSNY designated as agent for process & shall mail to: c/o Galgano & Sharp, 399 Knollwood Road, Suite 308, White Plains, NY 10603 Purpose: all lawful #62059 READERFUL LLC. Art. of Org. filed w/ SSNY 2/15/19. Office in Westchester Co. SSNY designated for service of process and shall mail to 44 Greenmeadow Rd, Pleasantville, NY 10570. Purpose: Any lawful activity #62061 Notice of Formation of 100 KIMBALL AVE LLC. Principal office Westchester County. Secretary of State of NY (SSNY) designated as agent for service of process. SSNY shall mail a copy of any process served against the LLC to 100 Kimball Avenue Yonkers, NY 10704. Articles of Organization of the LLC filed with the SSNY on February 8, 2019. Purpose: Any lawful act(s). #62062 Notice of Formation of Mia Botanica, LLC. Arts. of Org. filed with the SSNY on 02/07/2019. Office: Westchester County. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail copy of process to the LLC, 49 Ridgewood Ter. Chappaqua, NY 10514. Purpose: Any lawful purpose. #62063 Booksy Building LLC, Art. of Org. filed with NY Secy. of State on 02/08/19. Office located in Westchester Co. Secy. of State designated as agent upon which process may be served. Secy. of State shall mail a copy of any process against it served upon him/her to: 127 Horseshoe Hill Road, Pound Ridge, NY 10576. LLC may engage in any lawful act or activity for which a limited liability company may be formed. #62064 NOTICE OF FORMATION of Westchester Food Safety LLC. Articles of Organization filed with the Secretary of State of New York (SSNY) on 1/30(2019. Location: Westchester SSNY designated as agent for service of process on LLC. SSNY shall mail a copy of process to: Frank D Madaio, 300 Hayward Ave. Apt3K Mount Vernon NY 10552 Purpose: Any lawful purpose. #62065 500 Minoel LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 10/27/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 500A Broadway, Bronx, NY 10463. General Purpose. #62066

Umar Estate St. Josephs LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 12/14/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 4 Carriage Hill Rd., West Harrison, NY 10604. General Purpose. #62067

Summons-Index No. 51618/19

AVR Properties LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 2/22/2019. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 101 Alexander Ave., Yonkers, NY 10704.General Purpose. #62069

PODORSON, THOMAS DEE, JAMES DEE, and JOHN DOES and JANE DOES, persons

Notice of Formation of Muirhead Law LLC Art. of Org. filed with SSNY on 2/25/19. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of any process against the LLC served upon him/ her to the LLC, 4169 Murdock Ave., Bronx, NY 10466. The principal business address of the LLC is 718 S. Columbus Ave., Mount Vernon, NY 10550. Purpose: any lawful purpose. #62071 Notice of Formation of Poweroforganix LLC. Of Org. filed with SSNY on 02/15/2019. 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,21 Leather Stocking Ln, White Plains NY 10603. Purpose: any lawful purpose. #62072 Notice is hereby given that an on-premise license, #TBA has been applied for by AV Pondfield Corp. d/b/a Gino’s Pizzeria to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 50 Pondfield Rd West Bronxville NY 10708. #62073 Notice is hereby given that an on-premise license, #TBA has been applied for by Burgerim of Westchester LLC d/b/a Burgerim to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 1137 W Boston Post Road Mamaroneck NY 10543. #62074 Quatre Filles, LLC Filed 2/14/19 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 28 Elmridge drive, Scarsdale, NY 10583 Purpose: all lawful #62075 In the Matter of the Application of The Board of Directors of Community Choice Health Plan of Westchester, Inc., Index No.: 08/12630 (Sup. Ct. Westchester Cty.) NOTICE OF FINAL ACCOUNTING OF ASSETS: Please take notice the Receiver in the abovereferenced action intends to file a final accounting in the Sup. Ct. of Westchester Cty. on or about March 26, 2019. #62076

SUPREME COURT OF THE STATE OF NEW YORK, COUNTY OF WESTCHESTER AFONSO MONTEIRO and MARIA MONTEIRO, Plaintiffs v. LEINY THOMAS, IVAN AVILA, MARGARET ANGELA VARGO, KATHRYN KUNKEL

unknown who are HEIRS or DEVISEES OF THE ESTATES OF JULIETTE DONOVAN, MADELINE DERRENBACHER, LEO J. DEE and LILIAN E. DEE. You are hereby summoned to appear in this action by serving a Notice of Appearance or Answer on the Plaintiffsí attorney within thirty (30) days after service of this Summons is complete, and in case of failure to answer, judgment will be taken against you by default for the relief demanded in the Complaint. The object of this action is to settle title to a portion of a parcel of land approximately 1/16 of an acre located on Hillcrest Drive, Town of Ossining, County of Westchester and State of New York, which is a portion of property more particularly known and described as Lot 38(A) identified on the ìMap of Property in the Town of Ossining known as Samstag Parkî, which was filed in the Office of the Westchester County Clerk on October 16, 1930 as map no. 3709. Dated: March 11, 2019 Andrew D Brodnick, Esq. 800 Westchester Ave - N307 Rye Brook, New York 10573 (914) 902-3322 #62090

Notice of formation of Limited Liability Company (ìLLCî). Name: Victory Mills LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on February 28, 2019. N.Y. office location: Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The SSNY shall mail a copy of any process to Victory Mills LLC, 1055 Saw Mill River Road, Suite 204, Ardsley, New York 10502. Purpose/character of LLC is to engage in any lawful act or activity. #62077 Notice of formation of Limited Liability Company (ìLLCî). Name: Victory Mills Manager LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on February 28, 2019. N.Y. office location: Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The SSNY shall mail a copy of any process to Victory Mills Manager LLC, 1055 Saw Mill River Road, Suite 204, Ardsley, New York 10502. Purpose/character of LLC is to engage in any lawful act or activity. #62078 Notice of formation of Limited Liability Company (ìLLCî). Name: Victory Mills Associates LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on February 28, 2019. N.Y. office location: Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The SSNY shall mail a copy of any process to Victory Mills Associates LLC, 1055 Saw Mill River Road, Suite 204, Ardsley, New York 10502. Purpose/character of LLC is to engage in any lawful act or activity. #62079

PARTY REQUIRED, LLC, filed with SSNY 2/24/2019. Office located in Westchester Co. SSNY has been designated as agent upon whom process against LLC may be served. SSNY shall mail a copy of any process to: PARTY REQUIRED, LLC. 941 Mclean Ave, #507, Yonkers, NY 10704. Purpose: any lawful business activity or purpose. #62080 NOTICE OF FORMATION OF ADRESTIA, LLC. Articles of Organization were filed with the SSNY on 2/13/19. Office location is Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to 11 Cedar st. Valhalla, NY 10595. Purpose: Any lawful act or activity. #62081 Signature Virgin Hair Extension LLC Arts of Org. filed with Sec. of State of NY (SSNY)on 01/08/2019. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to LLC at 40 Memorial Highway #2M, New Rochelle, NY 10801.General Purpose. #62082 The Articles of Organization of KRISTEN N. GIZZI, ESQ., PLLC, a professional service limited liability company, (the ìCompanyî) were filed with the Secretary of State of the State of New York on August 14, 2018. The office of the Company is located in Westchester County, New York. The Secretary of State has been designated as agent of the Company upon whom process against it may be served. The post office address within or without the State to which the Secretary of State shall mail a copy of any process against the Company served upon him or her is: 201 Saw Mill River Road, Yonkers NY 10701. The Company was formed to perform legal services a professional service limited liability company under the New York Limited Liability Company Act. #62083

Notice of Formation of JP AUTO SERVICE LLC, a domestic, LLC. Art. Of Org. filed with SSNY on 02/22/2019 Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to: The LLC, 3 Stanley Avenue, Ossining NY, 10562. Purpose: Any Lawful Purpose. #62084 Notice of Formation of WIN ADVISORS, LLC Art. Of Org. filed with SSNY on 2/1/19. 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 WIN ADVISORS, 1011 King St, Chappaqua, New York 10514 Purpose: any lawful purpose. #62085 Notice of formation of CHARLTON PLAINS, LLC. Arts of Org. filed with SSNY on 3/7/2019. Office loc. Westchester County. SSNY designated as agent upon whom process may be served. SSNY shall mail copy of any process Charlton Plains, LLC 1 Grosbeak Rd, Yonkers, NY 10701. Purpose: any lawful act or activity. #62086 Notice of Formation of RETIREMENT INCOME SPECIALISTS, LLC. Articles of Organization were filed with the Secretary of State of New York SSNY on February 5, 2019. Office Location: Westchester Country. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to: Lee, Nolan & Koroghlian Attn: W Keith Schmidt 622 3rd Ave., Suite 900, New York, NY 10017. Purpose: any lawful act or activity. #62087

LEGAL NOTICES Notice of Formation of Limited Liability Company (LLC). Name: TMD Construction JV 4 LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 03/07/19. Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 200 Business Park Dr, Ste 203, Armonk, NY 10504, which is the principle business location of the LLC. Purpose: any lawful activity. #62088 Notice is hereby given that a license (#TBA) for LIQUOR, WINE & BEER has been applied for by TACO PROJECT BRONXVILLE LLC, at retail, in a RESTAURANT, under the ABC LAW at, 65 PONDFIELD ROAD BRONXVILLE, NY 10708 for on-premises consumption #62089 Sushi Vida Bronx LLC ,Arts of Org. filed with Sec. of State of NY (SSNY) 3/8/2019. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 3 Sadore Ln., Apt. 6U, Yonkers, NY 10710. General Purpose. #62091 Notice is hereby given that an on-premise license, #TBA has been applied for by Norm Avenue Pizza, Inc d/b/a Sinapi’s Pizza Rustica to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 5 Norm Avenue Bedford Hills NY 10507. #62092 Notice is hereby given that an on-premise license, #TBA has been applied for by Heart & Soul Hospitality Group, Inc d/b/a Casa Amore to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 65 1st Street Pelham NY 10803. #62093 Notice of Formation of RIVER TUTI LLC. Principal office Westchester County. Secretary of State of NY (SSNY) designated as agent for service of process. SSNY shall mail a copy of any process served against the LLC to 2 Wilson Place, 1st Floor, Mount Vernon, NY 10550. Articles of Organization of the LLC filed with the SSNY on February 20, 2019. Purpose: Any lawful act(s). #62094 225 Husted LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 1/14/2019. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 9 Castle Landing, Port Chester, NY 10573. General Purpose. #62095

NOTICE OF FORMATION of OLA Services, LLC. Articles of Organization filed with the Secretary of State of New York (SSNY) on February 13, 2019. Location: Westchester County. SSNY designated as agent for service of process on LLC. SSNY shall mail a copy of process to: OLA Services, LLC, 50 Broadway, Hawthorne, NY 10532. Purpose: Any lawful purpose. #62096 NOTICE OF FORMATION of OLA Associates, LLC. Articles of Organization filed with the Secretary of State of New York (SSNY) on February 13, 2019. Location: Westchester County. SSNY designated as agent for service of process on LLC. SSNY shall mail a copy of process to: OLA Associates, LLC, 50 Broadway, Hawthorne, NY 10532. Purpose: Any lawful purpose. #62097 CVL2018, LLC. Art. of Org. filed 3/22/18. Office in Westchester Co. SSNY designated for service of process and shall mail to Reg. Agent: Christine Levinson, 35 Mayhew Ave, Larchmont, NY 10538. Purpose: Any lawful activity #62098 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: Golden Goose 2 LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 01/17/19. 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, 21 Willet Ave. Apt. 322, Port Chester, NY 10573, principal business location of the LLC. Purpose: any lawful business activity.” #62099 K.A.R Styless Boutique, LLC. Art. of Org. filed with the SSNY on 2/11/2019. Office: Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail copy of process to the LLC, 98 North Evarts Avenue, Elmsford, NY 10523.Purpose: Any lawful purpose. # 62054 Notice is hereby given that an on-premise license, #TBA has been applied for by TCB Enterprises Inc d/b/a Tredici Social to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 104 Kraft Ave Bronxville NY 10708 # 62100

SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF WESTCHESTER ---------------------------------------------------------------------------X U.S. BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE FOR THE RMAC TRUST, SERIES 2016CTT, Plaintiff,

NOTICE OF OBJECT OF ACTION AND RELIEF SOUGHT

Filed: 02/05/2018

Index No. 51571/2018

-againstTHE UNKNOWN HEIRS-AT-LAW, NEXT-OF-KIN, DISTRIBUTEES, EXECUTORS, ADMINISTRATORS, TRUSTEES, DEVISEES, LEGATEES, ASSIGNEES, LIENORS, CREDITORS, AND SUCCESSORS IN INTEREST, AND GENERALLY ALL PERSONS HAVING OR CLAIMING, UNDER, BY OR THROUGH THE DECEDENT CHARLES DAUBEK, JR. BY PURCHASE, INHERITANCE, LIEN OR OTHERWISE, ANY RIGHT TITLE OR INTEREST IN AND TO THE PREMISES DESCRIBED IN THE COMPLAINT HEREIN; EARL J. JORDAN; JOHN KOLODY; WATCHTOWER BIBLE AND TRACT SOCIETY; THE UNITED STATES OF AMERICA (SOUTHERN DISTRICT); ANDREW M. ROMANO; AMETIA L. JENNINGS; STATE OF NEW YORK; "JOHN DOE #1" through "JOHN DOE #10" inclusive the names of the ten last name Defendants being fictitious, real names unknown to the Plaintiff, the parties intended being persons or corporations having an interest in, or tenants or persons in possession of, portions of the mortgaged premises described in the Complaint, Defendants.

Plaintiff designates WESTCHESTER County as place of trial Venue is based upon County in which premises are being situate SUMMONS WITH NOTICE ACTION TO FORECLOSE A MORTGAGE

---------------------------------------------------------------------------X 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 upon the Plaintiff's attorney within twenty (20) days after the service of this Summons, exclusive of the date 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. If you fail to so appear or answer, judgment will be taken against you by default for the relief demanded in the Complaint. DATED: Elmsford, New York February 5, 2018

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 your mortgage company will not stop this foreclosure action.

THE OBJECT of the above-entitled action is to foreclose a reverse mortgage bearing date August 3, 1995 given by Charles Daubek, Jr. (deceased) to BNY Mortgage Co., Inc. to secure the sum of $228,543.00 and recorded in Liber 20843 at Page 17 in the office of the County Clerk/City Register of Westchester County on September 14, 1995 and which reverse mortgage was ultimately assigned to the Plaintiff herein as evidenced by written instrument dated July 20, 2017 and recorded with the Westchester County Clerk/City Register on July 28, 2017 in Control Number 572093001 covering the premises described as follows: 49 Heath Place, Hastings-On-Hudson, New York 10706 The relief sought in the within action is final judgment directing the sale of the premises described above to satisfy the debt secured by the mortgage described above. The Plaintiff makes no personal claim against any Defendants in this action. The foregoing summons is served upon you by publication pursuant to an order of the Honorable Joan B. Lefkowitz, J.S.C. dated and filed February 19, 2019. Help for Homeowners in Foreclosure New York State Law requires that we send you this notice about the foreclosure process. Please read it carefully. Summons and Complaint You are in danger of losing your home. If you fail to respond to the summons and complaint in this foreclosure action, you may lose your home. Please read the summons and complaint carefully. You should immediately contact an attorney or your local legal aid office to obtain advice on how to protect yourself. Sources of Information and Assistance The State encourages you to become informed about your options in foreclosure. In addition to seeking assistance from an attorney or legal aid office, there are government agencies and non-profit organizations that you may contact for information about possible options, including trying to work with your lender during this process.

To locate an entity near you, you may call the toll-free helpline maintained by the New York State Department of Financial Services at (800) 342-3736 or visit the Department’s website at http://www.dfs.ny.gov. Rights and Obligations YOU ARE NOT REQUIRED TO LEAVE YOUR HOME AT THIS TIME. You have the right to stay in your home during the foreclosure process. You are not required to leave your home unless and until your property is sold at auction pursuant to a judgment of foreclosure and sale. Regardless of whether you choose to remain in your home, YOU ARE REQUIRED TO TAKE CARE OF YOUR PROPERTY and pay property taxes in accordance with state and local law. Foreclosure Rescue Scams Be careful of people who approach you with offers to “save” your home. There are individuals who watch for notices of foreclosure actions in order to unfairly profit from a homeowner’s distress. You should be extremely careful about any such promises and any suggestions that you pay them a fee or sign over your deed. State law requires anyone offering such services for profit to enter into a contract which fully describes the services they will perform and fees they will charge, and which prohibits them from taking any money from you until they have completed all such promised services.

#62070

YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF U.S. BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE FOR THE RMAC TRUST, SERIES 2016-CTT AND FILING THE ANSWER WITH THE COURT.

Richard F. Komosinski Knuckles, Komosinski & Manfro, LLP Attorneys for Plaintiff 565 Taxter Road Suite 590 Elmsford, NY 10523 Phone: (914) 345-3020 NOTICE TO OCCUPANTS: U.S. BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE FOR THE RMAC TRUST, SERIES 2016-CTT IS FORECLOSING AGAINST THE OWNER OF THIS PREMISES. IF YOU LIVE HERE, THIS LAWSUIT MAY RESULT IN YOUR EVICTION. YOU MAY WISH TO CONTACT A LAWYER TO DISCUSS ANY RIGHTS AND POSSIBLE DEFENSES YOU MAY HAVE.

WCBJ

MARCH 18, 2019

World class entertainment in the Bronx

Star Dust

Noche CALIENTE

Saturday, April 27, 2019 at 8PM

Complexions Contemporary Ballet

Saturday, April 6, 2019 at 8PM

Tickets: VIP $75, $45, $40, $25 | Children up to 12, $10 any seat

Tickets: VIP $100, $65, $55, $50

The International hit rock ballet, “Star Dust, A David Bowie Tribute,” commissioned by Detroit’s own Music Hall makes its Lehman Center debut to dazzle audiences with its spellbinding glamour!

Frankie Negron Roberto Blades Brenda K’ Starr

The Diva and El Rey Saturday, April 13 2019 at 8PM

The historic reunion of

Sophy & Fausto Rey Tickets: VIP $125, $75, $65, $50

55th Anniversary

with special guests

Victoria Sanabria El Trio Ideal Saturday, May 11, 2019 at 8PM Johnny Olivo and Herencia De Plena Tickets: VIP $100, $85, $75, $65

INVINCIBLE

Saturday, May 25 2019 at 8PM A Glorious Tribute to Michael Jackson

Tickets: VIP $75, $45, $40, $25 Children up to 12, $10 any seat

Box Office 718.960.8833 Online tickets and full schedule www.LehmanCenter.org Kids up to 12, $10 all seats VIP Reception & Prime Seating

Program subject to change Box Office fees will apply