Westchester County Business Journal 080116 by Westfair Business Journal

2 | NEW LIFE FOR LANDMARK AUGUST 1, 2016 | VOL. 52, No. 31

3 | PAYOUTS FOR SENIORS

YOUR ONLY SOURCE FOR REGIONAL BUSINESS NEWS

westfaironline.com

Banking on a revival FOOD HALL PLANNED FOR DOWNTOWN OSSINING

BY ALEESIA FORNI aforni@westfairinc.com

fter decades of false starts, the historic Ossining Bank for Savings may finally receive a long-awaited makeover. Listed on the National Register of Historic Places, the Beaux Arts building was constructed in 1908 and operated as a bank for 75 years. For the following two decades, the property moved through a series of owners before it was handed over to the village of Ossining in 2003. Though it remains a striking focal point at the crossroads of Main Street and Route 9, the

array of owners and various design ideas have left much of the floors, walls and ceilings mangled beyond repair. An ambitious renovation is planned for the vacant 5,200-square-foot property at 200 Main St., one that includes gutting the dilapidated, water-damaged interior and transforming the landmark into a food hall, bar and restaurant and state-of-the-art culinary kitchen. Intrigued by successful concepts that have sprouted up in other cities, including Exit 4 Food Hall in Mount Kisco, developer Wulf Lueckerath of Corinthian Group

LLC plans to bring something similar to the 100-year-old structure. Five to six vendors will take up residence in the 3,098-square-foot ground floor food hall, serving everything from coal-fired pizzas to Asian food. A winding staircase will lead visitors to the secondfloor, a 3,758-square-foot restaurant and dining space. The basement, which Lueckerath said is “like a swimming pool in some areas,” will be transformed into a 1,643-square-foot space accommodating two to three culinary kitchens. An elevator will connect the three concepts. » FOOD HALL, page 6

Beckwith Pointe condos could spell demise of beach clubs

TWB Loan Decision Banner Ad 6” w x 1.5” h 2-23-16 BY BILL HELTZEL

bheltzel@westfairinc.com

he conversion of Beckwith Pointe from beach club to luxury condominiums could signal the end of an era on New Rochelle’s Davenport Neck. Ever since the Siwanoy Indians relinquished a huge swath of land along Long Island Sound in 1654, wealth and economic forces have shaped the uses of the highly-prized waterfront lands. Davenport Neck, a promontory that juts into New Rochelle

Harbor, is one such prize. The peninsula has been the site of Indian encampments that have given way to settlers’ farms that have yielded to grand mansions that made way for beach clubs and marinas surrounded by expensive houses. Summer beach clubs have expanded into year-round banquet facilities that have hosted countless weddings, club luncheons, fundraising galas and political functions. “The beach clubs are very much a part of New Rochelle and our culture,” said city historian » BECKWITH, page 6

Developer Wulf Lueckerath has transformative plans for the long-empty Ossining Bank for Savings.

YOUR LOCAL COMMERCIAL LENDER

CALL TODAY (914) 337-1900

Demolition starts for $250M mixed-use makeover of Poughkeepsie hospital

Above, from left: Jonathan Stein, managing partner of Diversified Realty Advisors LLC; Nick Minoia, managing partner of Diversified; Marcus Molinaro, Dutchess County executive; Assemblywoman Didi Barrett; state Sen. Sue Serino; Poughkeepsie Deputy Supervisor Jon Baisley; Ed Elanjian, CEO of the EnviroFinance Group LLC; and Andrew Derickson, vice president and general counsel at the EnviroFinance Group and George Carfagno, vice president of Diversified. Inset: Aerial rendering of Hudson Heritage.

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

former psychiatric hospital in the town Poughkeepsie that has been closed and decaying for 15 years could soon be transformed into a $250 million mixed-use development. Joint developers EnviroFinance Group LLC and Diversified Realty Advisors LLC held a kick off ceremony on July 13 for the redevelopment of the 156-acre Hudson River State Hospital site off Route 9 across from the Marist College campus. The project, known as Hudson Heritage, calls for a mixed-use community of 750 residential units, including multifamily apartments, townhomes and detached single-family homes. Approximately 350,000 square feet will be designated for retail and 80,000 square feet for a boutique hotel and spa. Developers estimate the project could create more than 870 jobs in the community, plus about 300 during the construction phase. Diversified Realty Advisors is based in Summit, N.J., and specializes in residential and commercial development and construction. EnviroFinance Group is an environmental investigation and remediation partner based in Manhattan. It focuses on land reuse and redevelopment. Nicholas Minoia, managing partner of the Diversified Realty Advisors, said the proposed area for Hudson Heritage represents the “hole in the doughnut” for the region.

AUGUST 1, 2016

WCBJ

“It’s strategically located at the border of Hyde Park, it’s kind of the end of the line for retail development and very interesting given the confluence of location with Marist College across the street and Vassar (College) nearby, plus the Culinary Institute (of America),” he said. “And, generally speaking, a lack of this large-scale development in the Hudson Valley.” Hudson River State Hospital opened in 1871 as Hudson River State Hospital for the Insane. The former psychiatric center closed in 2001 and Diversified Realty Advisors bought the property 12 years later for $4 million. The July 13 event featured the start of demolition for some of the former hospital buildings, but the project doesn’t actually have final approval from the town. The town is still reviewing its environmental impact. But the abandoned structures have proved to be a health hazard, both from

asbestos and cases of arson and vandalism. Minoia explained that certain circumstances in the town code allow for demolition of buildings declared structurally unsound. Of the former hospital’s 56 buildings, five will be saved and renovated and the remainder will be demolished. The demolition will represent about 1.5 million square feet, according to Minoia. Between asbestos abatement and demolition, Minoia estimates the development team will spend $18 million preparing the property for redevelopment. The main building that will be saved for the project is the former administration building, which has been designated a National Historic Landmark. The 80,000-square-foot building is to be converted into a hotel with about 80 rooms. A press release from the developers said that the location of the development, less than two miles from the Poughkeepsie MetroNorth Railroad station, makes it ideal for commuters. The housing will feature a mix of rental units and town homes. Minoia said the development, particularly the rental units, could appeal to the oft-targeted millennial and empty nester demographics. “The market has changed dramatically over the last five to seven, eight years,” Minoia said. “Certainly during the Recession and post-Recession, it’s millennials, it’s moved-out empty nesters. It’s clearly a rental market based on difficulty to qualify for a mortgage.” But he also didn’t rule out students of the nearby colleges, who could be looking for market-rate residential units as an off-campus option. As for the retail portion, Minoia said there is a large anchor tenant currently slated for some of the space. Beyond that, he expects “neighborhood retail,” meaning restaurants and smaller retail locations in a walkable environment. Developers also plan to link the development with the Walkway Over the Hudson pedestrian bridge, a local park and the Marist campus through a 2.6-mile multiuse trail. About 40 percent — 60 acres — of the property would be left as open space. Whether or not that would include open public space has not been decided yet, Minoia said. Construction is expected to take between eight and 10 years. Minoia anticipates the project will complete the environmental review process by year’s end. Following demolition, the retail construction would start first, followed by residential.

MAIN OFFICE TELEPHONE 914-694-3600 OFFICE FAX 914-694-3699 EDITORIAL EMAIL bobr@westfairinc.com WRITE TO 3 Westchester Park Drive, Suite G7 White Plains, N.Y. 10604-3407

Publisher Dee DelBello Associate Publisher Anne Jordan Managing Editor John Golden Senior Editor Bob Rozycki Associate Creative Director Dan Viteri

NEWS Reporters • Reece Alvarez, Ryan Deffenbaugh, Aleesia Forni, Bill Heltzel, Mary Shustack, Kevin Zimmerman Web Editor • Melissa Hebert ART & PRODUCTION Art Director • Michaela Zalko Art Director • Alison Kattleman ADVERTISING SALES Manager • Anne Jordan Metro Sales and Custom Publishing Director Barbara Hanlon Account Managers Lisa Cash, Patrice Sullivan Events Sales & Development • Marcia Pﬂug AUDIENCE DEVELOPMENT & CIRCULATION Events Manager / Writer • Danielle Brody Circulation Manager • Sylvia Sikoutris Telemarketing Director • Marcia Rudy Circulation Representatives Jamisha Gill, John Holden Digital Research Coordinator • Danielle Renda ADMINISTRATION Contracted CFO Services Adornetto & Company L.L.C. Human Resources & Payroll Services APS PAYROLL Oﬃce and Sales Coordinator • Robin Costello Westchester County Business Journal (USPS# 7100) is published Weekly, 52 times a year by Westfair Communications, Inc., 3 Westchester Park Drive, White Plains, NY 10604. Periodicals Postage rates paid at White Plains, NY, USA 10610. POSTMASTER: Send address changes to: Westchester County Business Journal: by Westfair Communications, Inc., 3 Westchester Park Drive, White Plains, NY 10604. Annual subscription $60; $2.50 per issue More than 40 percent of the Business Journal is printed on recycled newsprint. © 2016 Westfair Communications Inc. All rights reserved. Reproduction in whole or in part without written permission is prohibited.

A MEMBER OF

Esplanade owners to pay over $528,000 to former senior residents BY ALEESIA FORNI aforni@westfairinc.com

ne hundred and thirty-nine elderly residents who were allegedly forced from their apartments at the Esplanade Senior Residences in White Plains, will share $528,000 as part of an agreement reached between the building’s owners and the state Attorney General’s Office. Attorney General Eric T. Schneiderman said in a statement July 27 that under the agreement, Esplanade of White Plains Venture Partnership LP and White Plains Hotel LP will make payments totaling $528,367.50 to the elderly residents who were forced to vacate their apartments as a result of a major renovation of the building at 95 S. Broadway and 10 Lyon Place. In November 2015, the Esplanade owners sent a letter notifying all residents that a “multi year complete overhaul” of the facility was planned and that the “enormous level of construction will make it necessary to vacate the building.” The letter was sent in connection with a plan to repurpose the building from a senior residence to

212 luxury studio, one- and two-bedroom rental apartments. According to Schneiderman, the plan to vacate and renovate the building was in the works since 2014, though the Esplanade owners continued renting apartments to senior citizens without informing them of their plans. Some residents moved in just weeks before the November 2015 notification was sent. Schneiderman said that by failing to inform potential residents of their plan to vacate and repurpose the building, the Esplanade owners “caused many seniors to suffer undue and unnecessary stress, hardship and expense.” “The AG contacted us to discuss the closure,” said Geoff Thompson, a spokesman for the Esplanade. “We cooperated fully. No investigation was commenced and there is no allegation that we acted in any way in contradiction to law or violated any right of any senior. No resident was ‘forced out.’ In fact, we have never even asked a senior to leave, and we have never given a formal notice to terminate any senior’s tenancy.” Thompson added that as a result of discussions with the Attorney General, the

Esplanade voluntarily agreed to make payments to seniors to assist them in their relocation and is comfortable with this result. Under the agreement, the Esplanade will pay $6,500 to each of the 60 residents who moved into the facility during 2014 and 2015, $3,250 to each of the 27 residents who moved in during 2013 and $1,250 to each of the 52 residents who moved in prior to 2013. Payment will be made within 30 days. Prior to the agreement with the Attorney General’s Office, the Esplanade owners had made payments totaling $14,382.50 to certain residents as reimbursement or partial reimbursement for moving expenses. Those payments will be deducted from the amount those residents will receive pursuant to the agreement. “This agreement will help the residents cover some of the expenses they incurred in having to make an unanticipated move from a facility where they expected to live out their remaining years,” Schneiderman said. “My office is committed to protecting our most vulnerable citizens and to holding landlords accountable for their actions.”

REGION ADDS JOBS IN JUNE

THE HUDSON VALLEY ADDED 14,200 jobs in June at a rate more than twice as high as state job growth and three times higher than national job growth. The June rate for nonfarm employment growth was 1.5 percent. New York state added 66,600 jobs for a growth rate of 0.7 percent. Nationally, 682,000 jobs, or 0.5 percent, were added. Leisure and hospitality led the growth in the Hudson Valley with 9,100 jobs, followed by professional business services, 3,100, and trade, transportation and utilities with 2,500. The weakest categories were education and health services, with 3,700 fewer jobs, and natural resources, mining and construction with 1,300 fewer jobs. Most of the Hudson Valley growth was in Orange, Rockland and Westchester counties, which accounted for 12,000 new jobs and a growth rate of 1.7 percent. The statewide unemployment rate was unchanged from May at 4.7 percent and is below the national unemployment rate of 4.9 percent. The job counts are based on a monthly payroll survey of 18,000 New York employers by the U.S. Bureau of Labor Statistics. The unemployment rate is based on the current population survey and a monthly survey of 3,100 households. — Bill Heltzel

WCBJ

AUGUST 1, 2016

NAME THE FINANCIAL LEADER WHO KEEPS YOUR BUSINESS BOOMING For the fifth year, the Westchester County Business Journal and RSM will honor the best financial decision-makers working in Westchester County.

Find out how these CFOs and financial leaders make the most of business challenges through innovation and transformation.

SAVE THE DATE: WED, OCT. 5

WHITBY CASTLE 330 BOSTON POST ROAD, RYE

AWARD CATEGORIES: äFinancial executives working in all industries, including banking, real estate, finance, technology, health care and more äNew this year: Emerging Financial Leader Award

SPONSORS

ELIGIBILITY: The CFO of the Year awards are open to any CFO or counterpart (such as controller, financial director or planner) who has worked a minimum of two years for a public or private company in Westchester County.

Nominate at: westfaironline.com/CFO_West Nominations will be accepted now through Sept. 1.

AUGUST 1, 2016

WCBJ

For more information or questions, call Danielle Brody at (914) 358-0757, or email dbrody@westfairinc.com.

BRIEFLY

OSSINING MANUFACTURER BUILDS $4.8M FACTORY UPSTATE METALLIZED CARBON CORP., A MANUFACTURER of self-lubricating machine components for industrial uses headquartered in Ossining, will expand its Hudson Valley operations with the construction of a 15,000-squarefoot factory in Fallsburg in Sullivan County, Empire State Development officials announced. The $4.8 million expansion project, on which the company recently broke ground, will create 10 full-time jobs in Fallsburg, where Metallized Carbon will manufacture products for its Metcar aerospace materials division, according to officials at the state economic development agency. Founded by the Sieber family in Ossining in 1945, the company will retain 117 jobs at its Westchester location. Empire State Development will provide nearly $1 million in financial incentives to keep the company in New York, including $310,000 in Excelsior Jobs Program tax credits and a $650,000 capital grant. State officials said the custom manufacturer, which serves a global market, had considered relocating to Virginia. Matthew Brennan, Metallized Carbon Corp. president and CEO, in the recent announcement said those strategic incentives from the state “will allow the company to grow and provide additional important manufacturing jobs to the economy. The company at its Catskills factory will modernize the machinery and equipment necessary to run a pilot production facility, using an electric induction heating process in the manufacture of its self-lubricating, oil-free materials for critical industrial applications. Company and state officials said the facility is a key element in supporting Metcar’s — the company’s trade name — rapidly growing aircraft and aerospace materials production. The new induction heating equipment will be used to process molten metals and combine them with the company’s modern high-temperature, self-lubricating carbon/ graphite. Other equipment will be used for high-temperature baking and processing of critical components used in oil and gas production, power generation, waste and drinking water systems, food production and desalinization as well as aerospace.

UNION PRESIDENT GETS 15 MONTHS IN PRISON FOR EMBEZZLEMENT A UNION PRESIDENT WAS SENTENCED to 15 months in prison on July 20 and ordered to pay back $150,000 for embezzling union funds. William Davis, 56, used the debit card of a former union official who had died to run up personal charges on a union bank account from 2008 to 2012, according to a press release from U.S. Attorney Preet Bharara. Davis was president of the local chapter of the American Federation of Government Employees, representing 300 maintenance workers at the Veterans Affairs Medical Center in Montrose. He used the debit card to buy electronics, music downloads, video games, cellphones, clothing, gasoline and cigarettes, according to Bharara. He bought at least $30,000 in money orders, some of which were used to pay rent at his home in Wappingers Falls. He made more than 900 cash withdrawals from ATM machines. Davis reported only $7,000 in allowances and disbursements to himself on the union’s annual Department of Labor reports. Davis pleaded guilty to the charges in April. In addition to the prison sentence and restitution, U.S. District Court Judge Kenneth M. Karas in White Plains sentenced him to two years of supervised release.

DECICCO & SONS TO OPEN IN MILLWOOD SUPERMARKET CHAIN DECICCO & SONS will open a new store at 230 Saw Mill River Road in Millwood. The grocer will take up residence in Millwood Plaza’s former A&P location, which closed in November after its parent company, The Great Atlantic & Pacific Tea Co., filed for Chapter 11 bankruptcy protection in July. New Castle Supervisor Robert Greenstein said the renovations to the store will be extensive and that DeCicco & Sons aims to open an environmentally friendly shop. “DeCicco’s will be incredible for our community, incredible for Millwood and incredible for the Millwood Plaza,” he said in a message to residents. The supermarket is expected to open by the end of the year. The grocer, which has been in business since 1973, has stores in Ardsley, Armonk, Brewster, Harrison, Larchmont and Pelham. — Aleesia Forni, John Golden, Bill Heltzel

Citrin Cooperman Corner Women at the Wheel: Creating a Women’s Initiative BY RENATA HOWARD, CPA CITRIN COOPERMAN Research shows that a firm’s advancement of women is intrinsic to its growth and succession goals. Yet many companies continue to struggle with advancing and retaining women, especially those in RENATA HOWARD leadership roles. The companies are recognizing the importance of women’s initiatives as strategic growth drivers and more and more companies are taking the steps to create successful women’s initiatives. Women’s initiatives can serve to create opportunities for women to learn professional skills to assist in career advancement, develop networks to connect and grow as professionals, and create company policies, such as flexible work arrangements and maternity/paternity leave policies. So what does it take to create a successful women’s initiative in your company?

EXECUTIVE LEADERSHIP COMMITMENT.

Does your company’s leadership see a value in creating a women’s initiative? The success of the initiative, as with any other companywide programs, will highly depend on the observable commitment of the company’s leadership. The top down commitment should not only provide the financial resources for the program, but should also provide ongoing support and valuable input. It also is important for the leadership to understand that the program will not necessarily produce immediate results and that it is an investment in the firm’s future.

CREATE A BUY-IN AT ALL LEVELS.

For the initiative to succeed, it must be focused on changes in the company’s culture and not simply creating a program for political correctness or just to keep the firm’s women appeased. Women must perceive the need for such program and be enthusiastic and willing to spend the time in creating and maintaining an effective program. Men must become partners in developing a successful initiative and be active participants, especially since in many instances men remain the firm leaders and hold most of the influence in making the company woman-friendly.

TAKE STOCK: FEEDBACK AND ASSESSMENT.

The needs and challenges of women can vary by profession, just as the firms can within the same profession, creating different needs of women in each organization. Measure where the women are, or are not, in the company, identify the challenges for advancement and find out what issues women are facing specifically in the company. A great way to gain insight on where the initiative’s focus should be is to conduct internal surveys. The feedback will provide awareness on specific

issues which will help in creating targeted programs to address weak points that are specific to your company.

CREATE A BUSINESS PLAN.

Develop a clearly defined mission statement which should align with your company’s strategic goals. Create an organization structure with defined roles, especially if your company has multiple locations. Most importantly, identify specific objectives and goals and decide how the success of the initiative will be measured. Is it going to be measured by how many additional women become executives? By how many working mothers are retained? Or by how much new business is generated?

DEVELOP SPECIFIC PROGRAMS.

Once the women’s initiative goals and objectives are determined, create and implement specific programs. These programs can be focused on creating company policies, internal development of women, external networking and mentoring. Some examples of programs include networking events that women would be interested in attending, such as wine tasting; golf classes; informational events with guest speakers; creating a focus group to assess/create policies for flexible work arrangements; creating a mentoring program which will allow younger staff to learn important leadership and managing skills from those senior to them. Consider reaching out to other women’s initiative groups to share ideas and to find out what programs have been successful for them.

MEASURE AND RE-ASSESS.

Women’s initiative is a work in progress and it grows and evolves at different paces in each company. To achieve the level of success defined in your women’s initiative business plan, the results should be continually and attentively monitored. Appropriate adjustments should be made and, if the results continue to fall below expectations, decide if a significant overhaul of the initiative should be made.

WOMEN DRIVING THE NEXT GENERATION!

Join us for our fourth annual “Driving Your Business: Women at the Wheel” event on September 21, 2016, at the Westchester Country Club. Three extraordinary millennial women CEOs and executives share their management secrets of success in what promises to be a revealing and informative leadership seminar. For more information, please contact Laura Di Diego at ldidiego@ citrincooperman.com.

ABOUT THE AUTHOR: Renata Howard, CPA, is a partner at Citrin Cooperman’s Connecticut office. Renata can be reached by phone at 203.847.4068 or by email at rhoward@ citrincooperman.com. Citrin Cooperman is a full-service accounting and consulting firm with seven locations throughout the Mid-Atlantic region. Visit us at www. citrincooperman.com.

A MESSAGE FROM CITRIN COOPERMAN WCBJ

AUGUST 1, 2016

Food Hall — From page 1

“Because of where we are in Ossining, we’re trying to do something more familyoriented in a lot of ways and not too high end,” Lueckerath said. Corinthian Group was chosen as the village’s preferred developer for the site after responding to a request for proposal last year, and the village has high hopes for the dining space he envisions. “His energy and excitement feels very different” compared with other developers who have expressed interest in the site previously, said Lori Lee Dickson, corporation counsel to the village. “He’s a different kind

of developer, and we have no reason to believe that (the food hall) is not going to be huge success.” The estimated $1.5 million renovation, which will preserve much of the exterior architecture, is expected to begin once the sale has closed in August. After the initial removal of the damaged interior, Lueckerath said he plans to “let the bones dry out a little bit” while presenting ideas and listening to feedback from the various village boards. Construction is expected to take between nine to 10 months and, ideally, the food hall would open to the public in late summer or fall of next year. “It’s still a long ways until we get there,” he said. The Mount Kisco developer has a good

deal of experience rehabbing abandoned and distressed properties for alternative uses, including transforming a Poughkeepsie property acquired from the Archdiocese of New York into housing for military veterans, renovating a warehouse, also in Poughkeepsie, into nine one-bedroom units with four retail spaces and, closer to home, re-leasing a vacant industrial building at 73 Spring St. in Ossining as a 19-unit condominium. Lueckerath hopes the changes planned for the historic bank will serve as a catalyst to spark a revitalization in Ossining’s downtown. “More and more restaurants will see that this area can support restaurants,” he said. “Because right now, it’s a quiet, gloomy area

in the evenings.” Along with an increase in foot traffic and an added “energy and buzz” to the area, Dickson said the village also sees an opportunity for food hall vendors to eventually branch out and open their own downtown storefronts. Village Mayor Victoria Gearity, who recused herself from the project because her husband has business dealings with the Corinthian Group on another property, said the community would enjoy the financial benefit of the site returning to the tax rolls, and she also hopes the space’s renovations have a trickledown effect for the rest of Ossining. “There’s really no reason why there shouldn’t be more and more projects and people coming here,” Lueckerath said.

ies collapsed. Beach clubs were operated mostly for middle class incomes. They featured swimming pools and tennis courts, tiki bars and barbecues, cabanas and clubhouses. Clubs touted their chefs and fine dining. Eventually, they branched out to the banquet business. Beckwith Pointe has about 500 seasonal members, but it holds about 200 events a year serving up to 600 people at a time. “One of the biggest issues down there,” Tarantino said, “is that they are operating more as catering facilities than beach clubs.” Strictly speaking, the clubs may cater only to members or for member-sponsored events, and only during the winter months. Tarantino said events are held throughout the year and enforcing the rules is problematic. That creates traffic congestion and noise and irritated neighbors. Zinrock’s plan prompted officials to review the city’s zoning and local waterfront revitalization program. Development is now restricted to high ground, as shown on a post-Sandy federal flood map. Developers can build four to 7.5 units per acre, from two to five stories, or

35 to 60 feet high, depending on location, plus another five feet if needed to get above flood level. Lots must be at least 150 feet from single family homes, roads and parks. Land must be set aside for open space. Beaches can be kept private by paying $10,000 per residential unit into a fund that will be used for public parks. Beckwith Pointe has 14.7 acres but only 1.5 acres are outside the flood zone. Single family homes and beach clubs are no longer desirable or feasible for this location, according to Zinrock’s zoning petition. Zinrock wanted to build 140 units but settled on 72 in discussions with city officials. They will build a gatehouse, clubhouse and nine residential buildings with eight units each. Every apartment will have three bedrooms and from 3,000 to 3,500 square feet, according to New Rochelle Commissioner of Development Luiz Aragon. Units will sell for around $1.5 million to $2.5 million. Beckwith Pointe will remain open until next spring and then construction could begin. Some Davenport residents are unhappy, Tarantino said, some are not. “It’s outrageous,” said Laura Falb, who lives nearby. She thinks the condos will create more traffic, overwhelm the environmentally sensitive waterfront and stress emergency services. She is appalled by the prospect of Beckwith Pointe motivating other beach clubs to sell out. Tarantino said some clubs do not have enough high ground or space to build multifamily residences. He thinks the project will enable club owners to sell their properties at a fair price, create more property tax revenue, generate less traffic and increase the value of everyone’s property. “This is progress,” he said. “If we never moved forward we’d still have hitching posts and we’d be riding horses.”

Beckwith— From page 1

Barbara Davis. “We’ve all benefited from the gorgeous views of Long Island Sound.” Access to those vistas could become more scarce. The city’s pending waterfront plan calls for transitioning Davenport Neck from beach clubs to multifamily residences. Previously, houses could be built there. Now new zoning allows developers to replace private clubs with condominiums. That’s the plan with Beckwith Pointe at the southern tip of Davenport Neck. Zinrock Resources L.P. plans to build luxury condominiums and pay the city $720,000 for the right to privatize the beach. The city planning board in late June approved the developer’s site plan for the project. Zinrock shares an address with National Realty & Development Corp., an owner and developer of shopping centers and business parks, based in Purchase. The two principals in Zinrock, according to city officials, are Robert Baker, head of NRDC, and his son Richard Baker, governor and executive chairman of Hudson’s Bay Co., a $3 billion Canadian company that owns Lord & Taylor and Saks Fifth Avenue. “The original zoning was not working,” said Albert Tarantino, a city council member and a resident of the Sans Souci neighborhood on Davenport Neck. Single family homes are no longer in demand, he said. Furthermore, Beckwith Pointe would have to make major renovations to continue drawing customers. Hurricane Sandy in 2012 exposed the peninsula’s vulnerability to flooding and highlighted the need for stricter regulation. Davenport Neck has seen several transformations. Siwanoy encampments have been found there. Huguenots who settled the peninsula

AUGUST 1, 2016

WCBJ

Rendering of luxury condominiums planned at Beckwith Pointe.

in the late 1600s farmed the land and built mills to make products from their crops. In the late 1700s, Newberry Davenport built a mansion, Sans Souci, on the grounds that now comprise the neighborhood of that name. By the mid-1800s, wealthy New Yorkers were buying farmland and building summer homes and estates designed by the leading architects of the day. With the Great Depression, Davis said, the estates were gradually sold and the beach clubs and marinas were developed. Charles Beckwith bought the southern tip of Davenport Neck in 1929. By the 1940s it was being operated as the Beach and Tennis club. Sal Cassara bought Beach and Tennis in 1986 and renamed it Beckwith Pointe. He died in 2004 and his family continues to operate it. Other clubs that have opened over the years include Davenport Yacht Club, Greentree Country Club, Surf Club on the Sound and V.I.P. Country Club. They may have started out serving specific groups, such as Jews, Irish Catholics or Italians, Davis said, but over the years the ethnic boundar-

ASK ANDI

BY ANDI GRAY

A formula for building up sales We haven’t had good experience turning things over to salespeople. We give them leads and they don’t turn that into business. Later on we find out that they didn’t do a good job on following up. Or they followed up but couldn’t turn the lead into a sale. Not sure how to better manage this. THOUGHTS OF THE DAY: Your job includes

managing both salespeople and sales activities. Make sure that you have the right people in place doing the right job. Save time and effort by knowing the profile of who you want to sell to. Get salespeople involved in the effort so that they place greater value on the leads. Check out the ROI on sales activities. Before you start hiring, check if you have a good way to know what’s going on in sales. Track new entries in the system, attempts to connect, people contacted and conversions from one stage of sales to the next. You don’t want to find out down the road that time was lost and money was wasted because sales efforts weren’t focused enough or were insufficient to get the job done. Clear space in your calendar to analyze, coach and direct to ensure things are on

track in sales. Follow-up should be organized and systematic; set goals and benchmark performance based on those. Be sure to stay on top of all the new sales activity. A good sales team is crucial; not all salespeople are good at all parts of the sales process. Some can open doors, others are good at conveying information and some can elicit action. Success in sales is all about getting the right people in the right positions at the right time. It’s better to split the job of selling into parts. Hire salespeople who can work together and complement each other. Avoid one solution fits all, where your salesperson does a part of sales well, but misses the boat on the others. Hold all salespeople accountable for delivering on their piece of the sales funnel. First you have to open doors. Qualified

lists save time; weed out leads who are unlikely to show interest. Hire someone who can make a lot of phone calls and who can make an impact when they get through. Ask that person to break down doors, gather and convey information. In this stage expect relentless discipline at dialing the phone constantly. Next comes each prospect doing an evaluation. Is this useful? Why your company? Why now? Given all the other demands on your prospect’s time and resources, getting them to actively engage is about building trust, creating urgency and gaining commitment. Get salespeople who are comfortable challenging the status quo as they get people to follow their lead. When it comes to building up sales activity, remember that most people value what they have to work for to achieve. The same is true for lead generation. Handing out leads as if they were no big deal to get and you’ll likely find that salespeople don’t value them. Having to figure out which prospects to go after, salespeople get more engaged with each one that has merit and are more inclined to keep working the lead. Figure out the conversion rate on each

stage of the sales funnel. Lay out on paper the amount needed at each stage to generate one sale. Now multiply that by the number of total sales needed. Decide how much activity each salesperson can deliver, figure out how many salespeople you need and work out a cost of the whole sales team. Compare cost to output. You want to get your sales costs under 30 percent of gross profit, even better if you can get it under 20 percent. Keep figuring out how to reduce effort and increase output until you can get the results you want. LOOKING FOR A GOOD BOOK? Try “The Sales Development Playbook: Build Repeatable Pipeline and Accelerate Growth with Inside Sales” by Trish Bertuzzi. Andi Gray is President of Strate�y Leaders Inc., Strate�yLeaders.com, a business-consulting �irm that teaches companies how to double revenue and triple pro�its in repetitive growth cycles. Have a question for AskAndi? Wondering how Strate�y Leaders can help your business thrive? Call or email for a free consultation and diagnostics: 877-2383535, AskAndi@Strate�yLeaders.com. Check out our library of business advice articles: AskAndi.com

PURCHASE COLLEGE, SUNY AND THE WESTCHESTER COUNTY ASSOCIATION (WCA) SEEK NOMINATIONS FOR THE 6TH ANNUAL

PURCHASE COLLEGE SCIENCE ENTREPRENEURSHIP AWARD to a Westchester-based scientist whose work has made a significant contribution to his or her affiliated business or industry A selection committee will evaluate the nominee from among these criteria: • Scientific excellence • Business and science integration • Vision and innovation

• Social responsibility • Positive role model for future generations

Submit your outstanding scientist to jeanmarie.garofolo@purchase.edu by August 1, 2016. The award winner will be announced September 1, and the award will be presented at the WCA’s Health Tech ‘16 Conference at the Double Tree Hotel in Tarrytown, NY on September 28, 2016. PREVIOUS AWARD WINNERS: Dr. Frances Ross, IBM’s Watson Center; Dr. John Eldridge,

Profectus BioSciences; Dr. Judith Spitz, Verizon; Dr. David Valenzuela and Dr. Andrew Murphy, Regeneron; Dr. Andrew Blight, Acorda Therapeutics

National Science Foundation has recognized Purchase College in graduating students who attain doctoral degrees in the sciences. Our faculty are active researchers who provide scientific training that contributes to Westchester businesses.

WCBJ

AUGUST 1, 2016

busınessintel WESTCHESTER COUNTY ASSOCIATION

Michael J. Dowling and Tom A. Coburn to Headline

W S

HEALTH TECH ’16

2 great national healthcare visionaries 2 great keynote speeches

Michael J. Dowling

Tom A. Coburn

Only at Westchester’s premier healthcare conference September 28th

Michael J. Dowling, President and Chief Executive Officer, Northwell Health Dowling heads one of the largest integrated healthcare systems in the U.S.; in New York State, Northwell Health is the largest private employer. Under his leadership since 2002, the institution has made waves by launching its own commercial health plan, starting a venture capital investment arm, working with the Cleveland Clinic, and signing nearly 100 joint ventures—including projects with non-healthcare players. Dowling isn’t “scared to disrupt the market,” according to Becker’s Hospital Review. Hear about his vision for the future of medicine, and find out what’s next for Northwell Health, formerly North Shore-LIJ Health System, at Health Tech ’16.

AUGUST 1, 2016

WCBJ

Tom Coburn, MD, Advisor to the Manhattan Institute’s Project FDA and retired U.S. Senator from Oklahoma A family physician and three-time cancer survivor, Coburn will speak on “Race Against Time: Why We Need a National Health Innovation Strategy.” He says more lives could be saved by embracing four key national initiatives: streamlining development of new drugs and medical devices; improving interoperability of health information technology; expanding the use of patient-reported outcomes, and sharing data among the research community. Come to Health Tech ’16 to hear his ideas for ushering in what he believes could be a new “Golden Age of Medicine.”

Register now for Health Tech ’16: Fueling Innovation in Westchester 7:30 am to 5 pm Doubletree by Hilton Tarrytown, NY Join the region’s top healthcare executives, investors, and thinkers to learn about “hospitals without walls,” big data in healthcare, and the region’s latest health tech innovations. Plus, a not-to-be-missed pitch contest to our panel of experts. Visit healthtechwca.com today!

3 WAYS THE WCA IS BUILDING A BETTER ENVIRONMENT FOR BUSINESS Our region needs a better business environment to compete in the New Economy, and the WCA is building it now. Through our BLUEPRINT for Smart Growth, the WCA is leading the effort to meet three urgent needs.

➊➧ Attracting, retaining, and training talent in the skills business demands today with officials to update regulations to reflect the real needs ➋➧ Collaborating of communities right now ➌➧ Upgrading our infrastructure and developing super-fast gigabit Internet service A better environment for business will allow existing businesses to flourish, attract new businesses and investment, and create good 21st century jobs. This is what the WCA means by Smart Growth and why it is so important for Westchester’s future. The WCA isn’t just talking about change—we’re driving it.

MAKING A ‘CAPITAL’ CASE Nonnatech founder Gary German needs capital, strategic help, potential partners, and clients to grow his startup. Out-of-state investors and incubators are courting Nonnatech, which has developed a remote patient monitoring solution using smart connected sensors and predictive analytics to monitor daily activities of seniors living at home or in facilities. German recently discussed his needs with the WCA’s Smart Growth Innovation Task Force, which aims to help entrepreneurs find the support they need in Westchester.

ARE YOU READY TO LEAD? APPLY FOR A WCA SCHOLARSHIP TO LEADERSHIP WESTCHESTER The WCA is offering one WCA young professional a chance to attend the cutting-edge Leadership Westchester program on a full scholarship. Volunteer New York!’s Leadership Westchester is a dynamic nine-month curriculum of lively classroom discussions, collaborative fieldwork, and self-study that prepares participants to be effective leaders. To apply for the scholarship, email Julia Emrick at jemrick@westchester.org.

HEAT CAN’T STOP OUR FUNRUN WCA members from CW Brown joined more than five-dozen corporate teams to brave the heat for the 3rd Annual Corporate FunRun on July 15. The WCA supported the race and the sizzling post-party, held at Purchase College, SUNY.

More Healthcare Growth in Westchester New York Medical College’s main campus will soon connect directly to its fast-growing bio/medical complex at 19 Skyline Drive, home of the new Touro College of Dental Medicine. William M. Mooney, Jr., WCA; Edward C. Halperin, MD, MA, and Robert W. Amler, MD, MBA, NYMC, at the July 13 Driveway Groundbreaking Ceremony.

COMING UP Day of Service: 9/11 Serve + Remember Friday, September 9 | 11 am–12:30 pm Westchester County Center 198 Central Avenue, White Plains, NY Exclusive WCA Member Program Health Tech ’16 | Wednesday, September 28 7:30 am to 5 pm (note new time) Doubletree by Hilton, Tarrytown, NY

SAVE THE DATES: Third Annual Women in Tech Awards Luncheon Thursday, October 20 | 11 am–2 pm Tappan Hill Mansion, Tarrytown, NY Recruit Westchester Collaborative Career and Internship Expo Friday, October 28 | 10 am –1 pm Westchester County Center, White Plains Annual Leadership Dinner Thursday, November 17, 5:30–9:30 pm Westchester Marriott Hotel, Tarrytown, NY For more information or to register for events:

westchester.org To become a sponsor, email jemrick@westchester.org

WCBJ

AUGUST 1, 2016

THELIST: CREDIT UNIONS

WESTCHESTER COUNTY WESTCHESTER COUNTY

CREDIT UNIONS

Ranked by assets.

Name Address Area code: 914, unless otherwise noted Website

USAlliance

411 Theodore Fremd Ave., Rye 10580 921-0500 • usalliance.org

2500 Westchester Ave., Suite 411, Purchase 10577 641-3700 • quorumfcu.org

125 Corporate Blvd., Yonkers 10701 220-4900 • sumafcu.org

Quorum

Suma Yonkers

NorthEast Alliance (NEA)

35 Bardonia Road, Bardonia 10954 845-735-1818 • neafcu.com

Yonkers Teachers

1 Executive Blvd., Yonkers 10701 376-7088 • NA

3563 Mohegan Ave., Mohegan Lake 10547 526-4015 • hudsonriverteachers.org

7 8 9 10 11 12 13

Hudson River Financial

Educational and Governmental

333 N. Central Ave., Second floor, Hartsdale 10530 946-6200 • egefcu.com

Academic

425 N. State Road, Briarcliff Manor 10510 923-3608 • academicfcu.org

Port Chester Teachers

15A Rye Ridge Plaza, Suite 3, Rye Brook 10573 939-4870 • portchesterteachersfcu.org

MAMTA

130 Hommocks Road, Larchmont 10538-3914 834-3200 • mamatafcu.org

Sing Sing Employees

2 Church St., Ossining 10562 762-3372 • singsing-fcu.org

Yonkers Postal Employees

79-81 Main St., Room 201, Yonkers 10702-0613 423-7628 • ypecu.org

Consumers Union Employees

101 Truman Ave., Yonkers 10703 378-2214 • consumersunion.org

Harrison Teachers

33 Oakland Ave., Harrison 10528 777-2935 • harrisonteachersfcu.com

15 S. First Ave., Mount Vernon 10550-3409 668-0638 • NA

16 17 18

Mount Vernon N.Y. Postal Employees

White Plains P.O. Employees

100 Fisher Ave., White Plains 10601 761-6507 • NA

Union Baptist Greenburgh

31 Manhattan Ave, White Plains 10607-1330 948-6439 • NA

Greater Centennial

144 W. Fourth St., , Mount Vernon 10550-4018 664-1838 • gcfcu-creditunion.com

Assets ($)

Peer group Rank ($)

Field of Membership Type

Credit Union Type

Number of members

Year established

1.2 billion

6 500,000,000+

Multiple common bond - other

Federally insured

92,242

1966

Bruno Sementilli

971.3 million

6 500,000,000+

Multiple common bond - other

Federally insured

73,824

1977

Roman G. Kozicky

310.9 million

5 100,000,000 499,999,999

Associational

Federally insured

6,988

1964

Donald Briggs

104.1 million

5 100,000,000 499,999,999

Multiple common bond - other

Federally insured

14,582

1976

William Turner

56.4 million

4 50,000,000 99,999,999

Educational

Federally insured

2,911

1938

Thomas J. Powers Jr.

50.06 million

4 50,000,000 99,999,999

Multiple common bond - primarily educational

Federally insured

6,030

1938

Wendy L. Brown

49.9 million

3 10,000,000 49,999,999

Multiple common bond - primarily federal, state, local government

Federally insured

6,726

1937

Ina C. Fitch

41.8 million

3 10,000,000 49,999,999

Multiple common bond - primarily educational

Federally insured

3,406

1979

Steven W. Cohen

33.1 million

3 10,000,000 49,999,999

Multiple common bond - primarily educational

Federally insured

2,820

1954

Dean Reben

13.2 million

3 10,000,000 49,999,999

Educational

Federally insured

1,082

1938

Dennis Manwaring

8.03 million

2 2,000,000 9,999,999

Multiple common bond - primarily federal, state, local government

Federally insured

1,413

1941

Peter J. Pagano

7.9 million

2 2,000,000 9,999,999

Nonfederal credit union

Federally insured state chartered

541

1933

Richard Handel

4.5 million

2 2,000,000 9,999,999

Service communications and utilities

Federally insured

351

1953

Virginia G. Wentink

2.5 million

2 2,000,000 9,999,999

Educational

Federally insured

375

1938

Mary L. Barthell

1.7 million

1 0 - 1,999,999

Federal, state, local government

Federally insured

313

1935

Patricia A. Clarke

1.3 million

1 0 - 1,999,999

Federal, state, local government

Federally insured

128

1939

Jane Marable

315.1 thousand

1 0 - 1,999,999

Multiple common bond - primarily faith based

Federally insured

288

1965

Cheron Wilson

286.5 thousand

1 0 - 1,999,999

Associational faith based

Federally insured

316

1969

CEO/manager

Kris Vanbeek

This list is a sample of credit unions that serve the region. If you would like to include your credit union in our next list, please contact Danielle Renda at drenda@westfairinc.com Note: NA

Data collected from the National Credit Union Administration (NCUA), ncua.gov, which cannot guarantee the accuracy of the numbers. Not available.

AUGUST 1, 2016

WCBJ

Nominations open for inaugural Celebrating Diversity program

ominations of outstanding business professionals who are culturally diverse are being accepted for the inaugural “Celebrating Diversity” program. Launched by Westfair Communications, publisher of the Westchester and Fairfield County Business Journals, in conjunction with Geneive Brown Metzger of ICA World, this program will culminate with an awards event in March, recognizing candidates who have excelled in the following five categories:

include his or her business accomplishments and community involvement, as well as what sets that candidate apart from the crowd.

The public can then vote for the candidates they feel excel in any of the five categories. Voting will run through Jan. 31, and there is no limit to the amount of times

ideas and creativity, which have affected the growth, economics and prosperity of our nation and our region,” Westfair Publisher Dee DelBello said. “This event promises to cast the spotlight on the suc-

Diversity is not only the right thing to do, it is a growth strategy, particularly as cultural demographics shift.

PACE SETTER MOST SOCIALLY CONSCIOUS MOST PROMISING MILLENNIAL OUTSTANDING ENTREPRENEUR VISIONARY

—Geneive Brown Metzger

Those seeking to nominate a candidate can do so by submitting a form at westfaironline.com/celebratingdiversity. Nominations are due by Oct. 5. Candidates must live or work in Fairfield County or Westchester County. Information about the candidate should

Three judges will evaluate the nominees, choosing 50 candidates who will be profiled in a publication inserted into the Dec. 19 issue of the Westchester and Fairfield County Business Journals. Profiles will also be available at westfaironline.com.

Office Space Available Great Location for Business Office/Doctor’s or Dentist’s Office! Short and Long Term

readers may cast their votes. Winners will be notified in early February and will be awarded at the “Celebrating Diversity” event in mid-March. “Diversity is what our country is all about. It’s the blend of different cultures,

cessful diverse men and women in our business community.” “Diversity is not only the right thing to do, it is a growth strategy, particularly as cultural demographics shift,” said Brown Metzger, Westfair’s diversity and community relations partner. —Aleesia Forni

TOWN OF OSSINING

FORECLOSURE AUCTION August 10, 2016, at 1:00 PM

At the Ossining Town/Village Municipal Building, 16 Croton Ave, Ossining, NY 10562

Available for Immediate Occupancy Intersection 287 & Rte. 9A • Elmsford By Owner

914-993-9260

NEWS NOON @

35 YALE AVE

18 SARAH ST

Tax I.D. # 89.15-2-59

Tax I.D. # 89.15-4-50

OPENING BID: $46,000

OPENING BID: $31,000

27 SECOR RD

HUNTER ST LOT

Tax I.D. # 97.7-1-41

OPENING BID: $74,000

Tax I.D. # 97.7-2-70

OPENING BID: $18,000

BIDDER REGISTRATION MATERIALS, ASSESSOR’S INVENTORY CARDS AND TAX MAPS ARE AVAILABLE AT www.townofossining.com Gloria B. Fried, Receiver of Taxes, Enforcement Officer, 914-762-8790

WCBJ

AUGUST 1, 2016

2016 WESTCHESTER COUNTY

NOMINATE A DOCTOR

IN THE FOLLOWING CATEGORIES

ALL IN THE FAMILY: In recognition of husbands and wives, parents and children or siblings who work together in a practice or separately, dedicating their lives to make other lives better. NO LAND TOO FAR: In recognition of a doctor who donates his or her time and expertise to countries where medical care is either nonexistent or at barest minimum. CUTTING EDGE: In recognition of a doctor who spends endless hours working on research and clinical trials to save lives. CARING FOR ALL: In recognition of a doctor who turns no patient away, but rather devotes time and effort to philanthropic cases.

A UNIQUE AWARDS PROGRAM CELEBRATES THE ACCOMPLISHMENTS OF PHYSICIANS IN WESTCHESTER COUNTY JUDGED BY A PANEL TO BE THE MOST EXEMPLARY IN THE PROGRAM’S CATEGORIES. THIS PRESTIGIOUS FOURTH ANNUAL EVENT IS C0-FOUNDED BY ACCOUNTING AND CONSULTING FIRM CITRIN COOPERMAN, THE WESTCHESTER COUNTY BUSINESS JOURNAL AND WESTCHESTER COUNTY MEDICAL SOCIETY. Open to nominations from the public, this is an opportunity to recognize those physicians who make an impact each and every day on people’s lives.

NOMINATION DEADLINE: SEPTEMBER 14

AUGUST 1, 2016

WCBJ

FEMALE TRAILBLAZER: In recognition of a female doctor who has made great strides in empowering other women to advocate for themselves and be aware of their specific medical needs. PROMISE FOR THE FUTURE: In recognition of a medical student who excels in his or her studies and will bring compassionate care and a fresh perspective to the medical profession. LIFETIME ACHIEVEMENT AWARD: In recognition of a physician respected for a lifetime career in the medical profession. To nominate, visit westfaironline.com/doctors or call Danielle Brody at 914-358-0757.

AWARDS PRESENTATION | OCT. 27 | 5:30 P.M. at the

7 Dana Road, Valhalla | HOST AND CO-SPONSOR

SPONSORS

SPECIAL REPORT

BANKING & FINANCE BY WILLIAM D. WINTERS

hen it comes to managing personal finances, deciding whether it’s best to take a do-it-yourself approach or hire a financial professional is a matter of personal style. Action-oriented people who like to handle issues in a hands-on way may find the most satisfaction by taking the lead in the management of their finances. On the other hand, those who prefer to sit back and discuss their options with experts before moving forward probably would be more comfortable working with a financial professional. Either approach can be effective, but successful DIYers and financial advisers in the final analysis are operating on similar principles, with an eye to a balanced investing approach, risk discipline and a long-term perspective.

DOING VS. DISCUSSING

Because financial do-it-yourselfers typically like to have an active hand in the management of their assets, they’re the ones most apt to buy and sell stocks as they see fit. They tend to be higher-volume traders, continually monitoring stock market developments, looking for viable, profitable transactions. While markets are generally efficient over the long haul, savvy observers of shorterterm market trends can find value opportunities and capture them with nimble trading. Ideally, this is still done within the context of a balanced long-term strategy—they’re adding “alpha” to long-term gains and not

Should you DIY your finances? trying to “beat the market” with shortcuts. Today’s financial DIYers have a high interest in managing their finances, along with the nuances that go into building and maintaining their financial portfolio. Even so, those who manage their finances typically are better suited to core investing in diversified instruments like mutual funds and variable annuities, perhaps supplemented by more moderate positions in stock options. Picking individual stocks can be profitable, but the diversification provided by funds and annuities is an important risk management element — and stock options provide a way to pursue gains in active management while limiting downside exposure. DIYers should probably stay away from more illiquid William D. Winters assets, such as non traded REITs — real estate investment trusts — which have complex structures and may be difficult to exit. The DIYer should, as a matter of principle, try to avoid “roach motels” — investments that are relatively easy to get into but hard to get out of. For people who have less interest in or lack required financial expertise for managing their own money in a hands-on way, the preferred route would be to establish a rapport with an experienced financial

adviser. These are often relatively sophisticated people financially who like to discuss their ideas regularly with industry professionals and collaboratively outline strategies for asset deployment before moving ahead. Their preference is for a holistic view of their financial situation and of the various investment markets, where an adviser’s insights are as appreciated by them as much as their ideas are by their adviser. An ideal relationship for an investor of this type is synergistic with the adviser. The investor articulates viewpoints about preferred markets, investment approaches and risk tolerances and the adviser helps the investor “express” that high-level perspective in a more detailed strategic investment game plan. Advisers are trained to consider a broad range of variables that impact the game plan, from risk management to tax issues to funding of long-term commitments to estate planning considerations. It’s not just about picking winners; it’s about maximizing the ultimate results.

TRANSITIONING YOUR FINANCIAL STYLE

Transitioning from a do-it-yourself method of financial management to one that involves working closely with a financial

adviser or vice versa, can feel daunting, even if it’s the right move. Investors, like anyone else, are creatures of habit and habits are hard to change. For whatever reason — be it a change in life circumstances, personal interests, or the desire to consider new areas of investment opportunity — when a DIYer is considering a transition to a professional management approach, it’s important to see the change as a process that involves open communication, careful analysis and development of trust. When you’re used to doing it yourself, it takes time to get comfortable handing the reins to someone else, no matter how credentialed or experienced the adviser may be. Remember, the way your colleagues, friends or family members handle their finances may not be your best approach, even if theirs is successful. Talk with knowledgeable people, ask questions and consider whether, in general, you might prefer to have an experienced hand helping to guide your affairs. In the end, being comfortable with and educated about the management of your finances can give you peace of mind and a workable plan for financial security. William D. Winters is Hudson Valley managing director in White Plains for Tompkins Financial Advisors, an independent, fee-based wealth management �irm with of�ices throughout New York and southeastern Pennsylvania. He can be reached at 914-946-1277 or by email at bwinters@TompkinsFinancial.com.

BY ANTHONY DOMINO, JR.

casual reading of any financial publication recently is certain to find a headline featuring three letters: D–O–L. What they are referring to is the U. S. Department of Labor Conflict of Interest Rule, popularly referred to as the “Fiduciary Rule.” The culmination of a long tussle between regulators and professional advisers who engage in retirement planning, the final version has seemingly not satisfied either camp. Nonetheless, the most concerned — financial advisers and the companies they represent — will do what is needed

The ABCs of the DOL to adapt while some final maneuverings remain. The amount of investor assets accumulated in retirement plans is significant — $6 trillion, according to a recent Cerulli & Associates post. Add another $3 trillion in IRAs and that’s a total of $9 trillion. Sounds like a lot, but when spread over the 245 million adult Americans, it is a less than impressive $36,750 per capita. Such a large market is certain to garner attention and with that attention comes a certain amount of noise. And with noise comes confusion.

The final rule, as published, is 1,023 pages. Overall, it broadens the definition of a fiduciary to anyone who receives direct or indirect compensation for providing advice to retirement plans, plan participants or beneficiaries and IRA owners. Advice is characterized as a recommendation intended to result in action. Sounds pretty simple, until applied to the real world. What’s the difference between telling a friend, “I like the meatloaf at Sal’s Diner” and “Try the meatloaf at Sal’s Diner“? According to the DOL,

if it’s the latter and Sal decides to reward me with extra mashed potatoes, then I’m a fiduciary. That might seem insignificant, until the friend at Sal’s gets sick — supposedly from the meatloaf — and decides to sue me. Recommendation is a broad term, wide open for interpretation.

ISSUE 1 — STANDARDS ARE NOT OBJECTIVE. The DOL has established a set

of fiduciary standards seemingly general in nature. The broadest definition is around fees, which must be “reasonable.” Which » DOL, page 16

WCBJ

AUGUST 1, 2016

PRESENTED BY:

PLANNING AHEAD YOUR SOURCE FOR UPCOMING WESTCHESTER NOT-FOR-PROFIT EVENTS SEPT. 12

SEPT. 14

SEPT. 18

THIRD ANNUAL PACE ATHLETICS ALUMNI & FRIENDS GOLF CHALLENGE

Benefiting: Pace University Proceeds from the event will be used to improve the student-athlete experience for the sport(s) of your choosing or can be designated to the Setters Club Annual Fund. Reception features open bar, appetizers and carving stations on the terrace of the country club overlooking the golf course. Raffle will include prizes such as golf clubs, airline tickets and electronics. TIME: 10:30 a.m. to 7 p.m. LOCATION: Willow Ridge County Club, Harrison TICKET PRICE: $390 per golfer and $99 for golf clinic and cocktail/dinner reception; sponsorship opportunities available CONTACT: Visit www.alumni.pace.edu or call 866-722-3338

11TH ANNUAL WOMEN ON THE MOVE LUNCHEON

Benefiting: New York City – Southern New York Chapter of the National MS Society Women on the Move is a nationwide educational and fundraising event that helps to increase public awareness of MS and the National MS Society while acknowledging and encouraging the advancement of women philanthropists. Women-owned businesses are encouraged to join the movement toward a world free of MS. Women are diagnosed with MS nearly three times more than men. Funds raised from the event support the hundreds of annual programs and services for thousands of people living with MS. These funds also contribute to national MS research for the cause, prevention and cure of MS. TIME: 10:30 a.m. to 3 p.m. LOCATION: DoubleTree, Tarrytown TICKET PRICE: $150 per person; sponsorship opportunities available CONTACT: Visit www.msnyc.org

FOUNDER’S DINNER

Benefiting: New York Medical College (NYMC) Always a highly anticipated occasion for the NYMC community, this year’s event promises to be a fantastic gala. With the ongoing growth of the college and the ever-present excitement about the future, it is truly a time to celebrate. Once again they will be honoring members of the NYMC community for their outstanding contributions and their dedication and service to NYMC. Help celebrate their accomplishments by enjoying an evening of good food, music and friends. EVENT CHAIRS: Martin S. Katzenstein, M.D. ’78 and Leonard J. Newman, M.D. ’70, CWPW TIME: 6 to 10 p.m. LOCATION: DoubleTree Hotel, Tarrytown TICKET PRICE: $700 per person, $350 for alumni; sponsorship and journal opportunities available CONTACT: Hospitality Resource Group at 761-7111 or visit www.nymc.edu/foundersdinner

SEPT. 19

FOURTH ANNUAL GOLF & GALA

Benefiting: Greenburgh Nature Center Join Greenburgh Nature Center for a unique outing with our mission to ignite passion, curiosity and respect of our natural world in the spotlight. The day will include a complete round of golf with contests, food and beverages along the course. An evening gala reception will follow, set in the club’s beautiful dining area overlooking the golf course where guests will enjoy cocktails, a banquet dinner, silent auction and raffle. TIME: 10:30 a.m. to 8 p.m. LOCATION: Scarsdale Golf Club, Scarsdale TICKET PRICE: $450 per golfer, $125 gala only; sponsorship and journal opportunities available CONTACT: Call 723-3470 or visit www.greenburghnaturecenter.org/golfouting

SEPT.

2016 JAZZ FEST

20-25

Benefiting: ArtsWestchester September sizzles with a six-day celebration of jazz in downtown White Plains beginning Tuesday, Sept. 20 culminating in an outdoor Jazz & Food Festival on Mamaroneck Avenue with delicious food from area restaurants on Sunday, Sept. 25. Jazz Fest 2016 is presented in partnership by ArtsWestchester, City of White Plains and the White Plains Business Improvement District. TIME: Varies with event LOCATION: Downtown White Plains TICKET PRICE: $20 - $29 per ticket, other concerts are FREE CONTACT: Visit www.artsw.org/jazzfest

SEPT. 23

12TH ANNUAL “JOURNEY OF THE HEART” BIKE TOUR

AUGUST 1, 2016

WCBJ

WARTBURG FALL FESTIVAL

SEPT. 29

YONKERS PARTNERS IN EDUCATION’S NINTH ANNUAL GALA

Benefiting: Wartburg Wartburg’s Fall Festival is a family event with craft vendors, information booths, regional food trucks, local art exhibitions and musical performances throughout the day. There will also be a children’s activity area sponsored by The Future Society, raffles and information about Wartburg’s history and services. Rain or shine. TIME: 11 a.m. to 5 p.m. LOCATION: 1 Wartburg Place, Mount Vernon TICKET PRICE: Sponsorship opportunities available CONTACT: Charlotte Steverson at 747-0519 or visit www.wartburg.org/

Benefiting: Yonkers Partners in Education (YPIE) Annual fundraising gala to support YPIE’s work helping students achieve the dream of college and career. HONORING: Jeff Gittleman TIME: 6 to 8:30 p.m. LOCATION: X2O Xaviars on The Hudson TICKET PRICE: $300 per person; sponsorship and journal opportunities available CONTACT: Anna Birrittella at 377-4882 or visit www.ypie.org

Benefiting: Friends of Karen The 12th annual ‘Journey of the Heart’ follows picturesque New England roads over an early autumn weekend. Each rider’s inspiration is a Friends of Karen child battling cancer or another life-threatening illness. When you join the “Journey of the Heart” team, you’ll have unparalleled camaraderie with riders inspired to help a child battling a life-threatening illness plus a personalized fundraising page to help you reach out to friends and family, ride support and bike mechanics throughout the tour. It’s a weekend of cycling you’ll remember for the rest of your life! Best of all, you’ll feel the glow that comes from knowing you are directly helping a family with a child battling cancer or another lifethreatening illness! TIME: 9 a.m. to 6 p.m. throughout three days LOCATION: The picturesque roads of Connecticut and Massachusetts TICKET PRICE: Free CONTACT: Gwen Salmo at 617-4051 or visit www.friendsofkaren.org

SUBMIT YOUR EVENT Westchester not-for-profit organizations are invited to promote their special events in “Planning Ahead.” To submit an event, visit www.HRGinc.net and click on “Planning Ahead” or for more information, please call 761-7111. Events are compiled in cooperation with Association for Development Officers Inc. www.adoonline.org

SEPT. 24

OUR FAMILY OF COMPANIES

Hospitality Resource Group is your “Total Business Link” for all of your meeting and special event needs.

www.HRGinc.net 914-761-7111 • info@hrginc.net

AUGUST SPOTLIGHT — WESTCHESTER JEWISH COMMUNITY SERVICES (WJCS) WJCS, one of the largest human services agencies in Westchester, provides mental health, trauma, disabilities, youth, home care and geriatric services to people of all ages and diverse backgrounds who are confronting significant challenges. But the agency’s contributions to the Westchester community go beyond those broad areas of care. One key facet of support is in early childhood and youth development, with several educational initiatives that help children and adolescents succeed in school, at home, in the community and eventually the workforce. During the summer, several WJCS programs focus on keeping kids, especially those in under-served areas, ready for school or on track with high-achieving peers and avoiding the “Summer Slide.” According to one foundation, “Children experience learning losses when they do not engage in educational activities during the summer. This loss, commonly known as the Summer Slide, disproportionately affects low-income students who often lose more than two months of academic achievement. Reading just a few books and engaging in educational activities over the summer can help keep a struggling student from “sliding” down.” WJCS has been meeting this challenge with research-proven methods for decades now. The WJCS Wiener Academy for Young Women in Yonkers runs a six-week

summer camp for 4th – 8th graders with a STEM (science, technology, engineering and math) component, a book club and experiential activities such as community gardening and “giving-back” projects. These programs buttress the year-round after-school enrichment program at the Wiener Academy and similar ones at two elementary schools in Mount Vernon. For preschoolers, the strategy is to help parents be their children’s first and best teachers. Parents and children who attend the WJCS Infant-Toddler Learning Center in Yonkers and WJCS Parent-Child Home Program (PCHP) Summer Fun in Hartley Park, read and play together to develop early literacy learning and language skills and enhance social-emotional development. PCHP, offered in several towns, has been shown to effectively bridge the academic achievement gap for children in low-income neighborhoods and has graduated hundreds of students in its 40-plus years of existence. As summer comes to a close, school readiness continues to be a priority. WJCS’ back-to-school drive encourages donors and sponsors to send kids in need back to school with clothing and supplies necessary for learning. Last year, 500 children were helped and estimates are that the same number will need help this year. Learn more about WJCS: www.wjcs.com.

WHY GIVE?

PHOTO GALLERY: WJCS

“WJCS programs have achieved positive change for people of all ages right here in Westchester. Grounded in research and delivered by highly trained experts, services strengthen our county and provide our most vulnerable – children challenged by poverty – with proven opportunities to succeed over the long term. I am proud to support their work.” — Neil J. Sandler, president of the WJCS Board of Directors, and managing director at Seven Oaks Advisors LLC

NONPROFIT WESTCHESTER 

     





 Preschoolers at WJCS Infant-Toddler Learning Center in Yonkers WJCS Wiener Academy for Young Women students model donated gifts that can be used this fall Parent and child at the WJCS Infant-Toddler Learning Center in Yonkers WJCS Wiener Academy for Young Women learning community gardening at Greyston Bakery in Yonkers Father and son participating in WJCS Summer Fun in Hartley Park program in Mount Vernon

Time for Rest, Relaxation and Reflection Summer provides many of us with a little extra time – time for savoring a good book or barbecuing with family and friends. We at Nonprofit Westchester like to use some of our time to reflect on the vital services we’ve provided and the wonderful things we’ve accomplished over the past year. Here’s a sampling of our efforts to become an advocacy leader, build member capacity, foster collaboration and increase the visibility of the nonprofit sector: • Our membership has grown to more than 140 organizations and our 84 percent retention rate proves that we all believe we’re better together. • We expanded our annual #GivingTuesday campaign and made quite an impression – 20.7 million impressions, to be exact – generated from 83 press mentions. • We participated in the Not-for-Profit Leadership Summit – as a sponsor and an exhibitor. • We spearheaded a voter registration and mobilization drive. • We led the efforts to form a #KeepWestchesterThriving “super coalition.” • We continued to provide workshops and other programs geared toward a better understanding of the county budget and the process behind it. • And we’ve already begun advocacy activities for the 2017 budget. We have much to be proud of, but we know much work remains. And we understand there’s no time to waste. As the strongest voice of Westchester County’s nonprofit sector, we look forward to furthering our mission of strengthening the impact, capacity and visibility of the nonprofit sector to foster a more just and caring community. -Joanna Straub Learn more about what nonprofits do at Executive Director, www.npwestchester.org. Nonprofit Westchester

WCBJ

AUGUST 1, 2016

DOL — From page 13

brings to mind a favorite quote: “Fees are only a problem in the absence of value.” No concept is more subjective than value.

ISSUE 2 — DOL IS NOT A REGULATORY BODY. The new rule does not establish any

penalties or remedies. As a cabinet level of the executive branch, the Department of Labor’s prescribed remedy is litigation, leaving more than 1,000 pages of regulation open to interpretation. Quite a field day for someone who fails to see “value” for the fee paid.

ISSUE 3 — EXPANSION INTO THE IRA WORLD. It used to be a clear and simple

compensation and how advisers are remunerated. And that debate over contingent compensation versus flat management fee has been gathering steam within the financial world. The math is relatively simple: pay 3.5 percent up front once or .75 percent level. Hold the asset for five years or longer and the former generates a lower number. This issue has been and continues to be hashed out between advisers Anthony Domino Jr. and clients with each transISSUE 4 — METHOD OF action. The new DOL fiduciary rule takes COMPENSATION. Perhaps the most interesting stance taken by the DOL is about a bold stance and ends the debate, estab-

division. Regulations for IRAs were separate from those of qualified plans. Once an individual chose to roll their retirement funds from an employersponsored plan to their own individual retirement account, they were on their own. They could handle their assets as they desired, on their own or with the assistance of a financial adviser. But after the DOL fiduciary rule, IRAs are now subject to the same rules as qualified plans.

lishing hurdles and barriers in the form of something called the Best Interest Contract Exemption (BICE)). What will it all mean to the consumer? Sadly, confusion could be the greatest byproduct of all. In large part this is due to the broad and somewhat general nature of the rule. Attend any seminar or read the dozens of articles that appear daily in financial journals on this topic and lack of certainty will be on display among the people charged with enacting this rule. Anthony Domino Jr. is managing principal of Associated Bene�it Consultants LLC, an employee bene�it and personal planning �irm in Rye Brook. He can be reached at adomino@ associatedbene�it.com or 914-288-8882.

ORANGE COUNTY TRUST CHANGES NAME TO ORANGE BANK AND TRUST CO.

Barry Fenstermacher Headmaster, The Harvey School

True Local Means Connecting to our Communities. Banking that affects us all for the better. “I'm finishing my 30th year at The Harvey School, and PCSB Bank has been a very close business partner almost the entire time I've been the head of the school. We have needed to expand over the years to match our ongoing success, and PCSB Bank helped us grow almost three fold. We also serve the same communities that the bank does, and the bank understands how those relationships work. Our parents, employees and even myself are personally customers of the bank, so everything they do directly affects this community in many different ways. And how PCSB Bank has treated us will affect many generations of our students to come. That's more than just a bank, it's a community institution.”

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

PCSB.com 16

AUGUST 1, 2016

WCBJ

914-248-7272

ORANGE COUNTY TRUST CO. HAS CHANGED its name to Orange Bank and Trust Co., updating the 124-year-old title to reflect its increased services and broader geographical reach. The bank’s new signage and image were revealed July 29 at its headquarters at 212 Dolson Ave. in Middletown. The bank has assets of approximately $900 million. Orange County Bancorp, Inc., parent company of both Orange Bank and Trust Co. and Hudson Valley Investment Advisors, Inc., reported a 48 percent increase in loans outstanding, a 24 percent increase in deposits and a 19 percent growth in assets to over $900 million for the first half of 2016. Earnings during that period were $1.4 million, up from the previous year. A key component of the bank’s strategy and its desire to remain independent is the establishment of branches in new markets, including one opened in Rockland County and three in Westchester County over the past year. “Orange County is still our home,” CEO Michael Gilfeather said following the midyear earnings release, “but the Hudson Valley is a meaningful market with its own unique characteristics, and we have to be a player throughout the region in order to succeed.” Orange County Bancorp plans to open at least one additional branch in 2016.

KEYCORP, FIRST NIAGARA MERGER OK’D KEYCORP HAS RECEIVED REGULATORY APPROVAL from the Federal Reserve to complete its merger with First Niagara Financial Group. The merger is expected to be completed on or about Aug. 1, with systems and client conversion expected to take place during the fourth quarter. KeyCorp, based in Cleveland, plans to make Buffalo, where First Niagara is headquartered, the combined entity’s northeast regional headquarters. Some 70 First Niagara and 36 KeyBank branches will be closed over the next several months, leaving the group with more than 1,200 branches and 1,500 ATMs in 15 states. Both institutions operate branches in Fairfield and Westchester counties. —Aleesia Forni, Kevin Zimmerman

FACTS & FIGURES BANKRUPTCIES MANHATTAN 45 John Lofts LLC. c/o Silverman Shin & Bryne PLLC. 88 Pine St., 22nd floor, New York 10005. Chapter 11, voluntary. Represented by Eloy A. Peral. Filed: July 19. Case no. 16-12043-shl. Corned Beef Express LLC. 2290 Broadway, New York 10024. Chapter 11, voluntary. Represented by Arnold Mitchell Greene. Filed: July 22. Case no. 16-12096-scc. Everstream HoldCo Fund I LLC. 12500 Baltimore Ave., Beltsville, Md. 20705. Chapter 11, voluntary. Represented by J. Eric Ivester. Filed: July 20. Case no. 16-12058-smb. Macelleria Restaurant Inc. 1-3 Little W. 12 St., New York 10014. Chapter 11, voluntary. Represented by Julie Cvek Curley. Filed: July 25. Case no. 1612110-mkv.

POUGHKEEPSIE

Bayer HealthCare Pharmaceuticals Inc. Filed by Jessica Hubicki and Richard Hubicki. Action: diversity-product liability. Attorney: Laura Marie Jordan. Filed: July 22. Case no. 7:16-cv-05901. CIOX Health Inc. Filed by Edwyn Finfrock. Action: diversity action. Attorneys: Douglas Gregory Blankinship, Todd Seth Garber and John Dominic Sardesai-Grant. Filed: July 20. Case no. 7:20-cv-05777. East Ramapo Central School District. Filed by Patricia Vital-Bynum. Action: federal question – civil rights (race discrimination). Attorney: Karen Chana Rudnicki. Filed: July 19. Case no. 7:16-cv-057567-KMK. Hudson Scenic Studio Inc. Filed by Tracy Catron. Action: The Americans with Disabilities Act of 1990. Attorney: David Seth Halsband. Filed: July 21. Case no. 7:16-cv-05818. Law oﬃces of Steven Cohen LLC. Filed by William Baker. Action: 1692 Fair Debt Collection Act. Attorney: Robert J. Nahoum. Filed: July 21. Case no. 7:16-cv-05839.

WHITE PLAINS

Metropolitan Property and Casualty Insurance Co. d.b.a. Metlife Auto & Home. Filed by June Gooch Wagenberg and Mitchell Wagenberg. Action: diversity-insurance contract. No attorney listed. Filed: July 25. Case no. 7:16-cv-05923.

Unger family Realty Corp. 117 Washington Ave., Spring Valley 10977. Chapter 11, voluntary. Represented by Unger Family Realty Corp. Filed: July 25. Case no. 16-23009-rdd.

National Credit Adjusters LLC. Filed by Doreen Egerton. Action: Fair Debt Collection Act. Attorney: Sergei Lemberg. Filed: July 20. Case no. 7:16-cv-00277-VB.

COURT CASES

Purchase College of the State University of New York. Filed by Westchester Independent Living Center Inc. Action: Americans with Disabilities Act – discrimination. Attorney: Christina Louise Brandt-Young. Filed: July 26. Case no. 7:16-cv-05949.

Concept 9 14 LLC. 254 Hooper St., Brooklyn 11211. Chapter 7, voluntary. Represented Kirk O. Orseck. Filed: July 19. Case no. 16-36323-cgm.

A & A Macchia & Son Landscaping. Filed by Luis Guijarro. Action: Fair Labor Standards Act. Attorney: Jordan Alexander El-Hag. Filed: July 25. Case no. 7:16-cv-05937-VB.

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

ON THE RECORD

5 Hammond Road Corp., Irvington. Seller: Joseph Lamberti, Rye. Property: 5 Hammond Road, Rye. Amount: $1.1 million. Filed July 19. AV Development Group LLC, Rye. Seller: Peter W. Bailey Sr., et al, Rye. Property: 3 George Langeloh Court, Rye 10580. Amount: $2.3 million. Filed July 20. Carpenter Apartments LLC, Armonk. Seller: M&T Bank. Property: 29 Carpenter Ave., Mount Kisco 10549. Amount: $1.2 million. Filed July 19. Chandrani Real Estate LLC, Scarsdale. Seller: John M. Carara, Toms River, N.J. Property: 819 Main St., New Rochelle 10801. Amount: $1 million. Filed July 21. Macquesten Station Takeover LLC, Pelham. Seller: Davenis Realty Corporation Inc., Mount Vernon. Property: 20 West Street South, Mount Vernon. Amount: $3 million. Filed July 22. Pine Road Briarcliﬀ Manor LLC, Irvington. Seller: 233 Pine Road LLC, Estero, Fla. Property: 233 Pine Road, Briarcliff Manor. Amount: $3.7 million. Filed July 20. Vicbea Ventures LLC, New York City. Seller: Ernest H. Gelman, et al, Bedford. Property: in North Castle. Amount: $1.7 million. Filed July 20.

Below $1 million

67-69 Ferris Avenue Corp., Bedford. Seller: Anthony J. Centone, White Plains. Property: 67-69 Ferris Ave., White Plains 10603. Amount: $501,000. Filed July 20. Agunloye Development and Construction LLC, Brooklyn. Seller: Jennifer Weekes, Laurelton. Property: in Mount Vernon. Amount: $175,000. Filed July 20. Bank of America N.A. Seller: Karl Scully, Mount Vernon. Property: 356 Walnut St., Yonkers 10701. Amount: $258,528. Filed July 18. BDA Associates LLC, Armonk. Seller: Margaret Chambry, et al, Yorktown Heights. Property: in Yorktown. Amount: $285,000. Filed July 22. C and C 38 South Street LLC, Mount Vernon. Seller: Genco Enterprises Inc., Mount Vernon. Property: in Mount Vernon. Amount: $380,000. Filed July 19. C2GRE LLC, White Plains. Seller: Mark Starkman, Highland Mills. Property: 135 Chase Ave., Yonkers 10703. Amount: $300,000. Filed July 18. C2GRE LLC, White Plains. Seller: Michael J. Khader, Yonkers. Property: 7 N. Lawn Ave., Elmsford. Amount: $251,000. Filed July 20. Cartus Financial Corp., Danbury, Conn. Seller: Ramon Erkamp, Yorktown. Property: 9 Tompkins Road, Somers. Amount: $360,000. Filed July 19.

137 Willow Street Associates LLC, Yonkers. Seller: Peter Z. Dua, et al, Yonkers. Property: 74 Bryant Road, Yonkers 10701. Amount: $240,000. Filed July 19.

Citimortgage Inc. Seller: Bruce Bozeman, Mount Vernon. Property: 805 Hanover St., Yorktown Heights 10598. Amount: $655,051. Filed July 22.

16-18 Sands Street LLC, White Plains. Seller: Lee-Ann Latella. Property: 16-18 Sands St., Port Chester 10591. Amount: $450,000. Filed July 22.

Citimortgage Inc. Seller: Bruce L. Bozeman, Mount Vernon. Property: 1 Gilbert St., Cortlandt Manor 10567. Amount: $172,082. Filed July 21.

Town of Mamakating, New York. Filed by Argonaut Insurance Co. Action: declaratory judgment – insurance. Attorney: William Stewart. Filed: July 19. Case no. 7:16-cv-05763-VB.

2M Properties LLC, Yonkers. Seller: Deutsche Bank National Trust Co. Property: 127 Fairview Ave., Port Chester 10573. Amount: $232,299. Filed July 18.

Dutch Street LLC, Eastchester. Seller: Mahopac Bank, Brewster. Property: 1 and 3 Dutch St., Cortlandt. Amount: $400,000. Filed July 22.

DEEDS

425 First Realty LLC, Pelham. Seller: Robert Pereira, et al, Pelham. Property: 425 First Ave., Pelham 10803. Amount: $657,500. Filed July 21.

Above $1 million 1 North Greenwich LLC, Armonk. Seller: 7 N Greenwich LLC, Armonk. Property: 7 N. Greenwich Road, Armonk 10504. Amount: $1.4 million. Filed July 18. 3 Valley LLC, Scarsdale. Seller: Barbara Clapman, Scarsdale. Property: 3 Valley Road, Scarsdale 10583. Amount: $1.2 million. Filed July 21.

Fannie Mae. Seller: David G. Gallo, Armonk. Property: 304 Sommerville Place, Yonkers 10703. Amount: $249,506. Filed July 19.

486 Lexington Avenue Corp., Mount Kisco. Seller: Frank Oliveri, et al, Mount Vernon. Property: in Mount Kisco. Amount: $35,371. Filed July 22.

Great Homes LLC, Pound Ridge. Seller: William Wolfram, New York City. Property: 1132 Mamaroneck Ave., White Plains. Amount: $192,500. Filed July 18.

543 Main 502 LLC, New Rochelle. Seller: April Chiu, Rochester, Minn. Property: 543 Main St., New Rochelle. Amount: $355,000. Filed July 21.

HSBC Bank USA N.A. Seller: Bruce L. Trent, Irvington. Property: 3202 Lexington Ave., Mohegan Lake 10547. Amount: $370,914. Filed July 21.

548 Main New Roc LLC, Rye. Seller: Louis J. Carideo, et al, Rye. Property: in New Rochelle. Amount: $560,000. Filed July 20.

Jerrico Holdings Inc., Fishkill. Seller: Laura J. Siegel Puhala, et al, White Plains. Property: 77 Shepherds Drive, Scarsdale 10583. Amount: $525,515. Filed July 18.

MRE 1 LLC, Katonah. Seller: Madeline Fisher, et al, Mount Kisco. Property: 158B Heritage Hills, Somers 10589. Amount: $427,590. Filed July 19. Nationstar Mortgage. Seller: Christopher Meagher, White Plains. Property: 205 E. Sidney Ave., Mount Vernon 10550. Amount: $575,887. Filed July 18. New York Annual Conference of the United Methodist Church, White Plains. Seller: Luciana Puccio, et al, West Harrison. Property: in Harrison. Amount: $999,000. Filed July 22. Person 2 Person Properties LLC, White Plains. Seller: Capital One N.A. Property: 30 Lake St., Apt. 2J, White Plains 10603. Amount: $243,711. Filed July 20. Poodle Properties LLC, Cross River. Seller: Carolyn Jamroga, et al, Ridgefield, Conn. Property: 72 Mark Mead Road, Cross River 10518. Amount: $350,000. Filed July 21.

For the best LOCAL candidates visit our NEW and

Post Woodworth LLC, Yonkers. Seller: 25 Post Street Corp., Pleasantville. Property: 25 Post St., Yonkers 10701. Amount: $916,000. Filed July 20.

ENHANCED site!

Post Woodworth LLC, Yonkers. Seller: 290 Woodworth Realty Corp., Pleasantville. Property: 290 Woodworth Ave., Yonkers 10701. Amount: $965,000. Filed July 20.

• Intuitive site design

S Realty Inc., Mount Vernon. Seller: Miguel Paulino, Mount Vernon. Property: 18 S. Bleeker St., Mount Vernon. Amount: $400,000. Filed July 18. The Bank of New York Mellon. Seller: Guy T. Parisi, Rye. Property: 240 Halstead Ave., Unit C8, Harrison 10528. Amount: $220,297. Filed July 20 The Bank of New York Mellon. Seller: Mitchell I. Weingarden, White Plains. Property: 150 Rolling Way, Unit 3, Peekskill 10566. Amount: $374,649. Filed July 21.

• 100,000+ job seekers per month across our network • Resume Search Technology to help identify top talent • Mobile optimized

The Bank of New York. Seller: Joseph G. Goubeaud Jr., Mount Vernon. Property: 35 Ninth Avenue North, Mount Vernon 10550. Amount: $483,052. Filed July 22. U.S. Bank N.A. Seller: Malachy P. Lyons. Property: 87 Ash St., Yonkers. Amount: $591,064. Filed July 18. U.S. Bank N.A. Seller: Michele L. Bermel, Chappaqua. Property: 25 Havell St., Ossining 10562. Amount: $375,681. Filed July 19.

Visit WestchesterCountyJobs.com

U.S. Bank N.A. Seller: Tom Gizzo, West Harrison. Property: 49 James St., Ossining 10562. Amount: $593,328. Filed July 19.

or call (203) 595-4262 for more information

U.S. Bank Trust N.A. Seller: Lisa Grant, Mount Vernon. Property: 21 Nutgrove St., White Plains 10606. Amount: 401,092. Filed July 22.

WCBJ

AUGUST 1, 2016

MV MAYOR WINS SMALL BUSINESS ADVOCATE AWARD The U.S. Conference of Mayors named Mount Vernon Mayor Richard Thomas the 2016 winner of the Small Business Advocate Award. The award is given annually to a mayor who has shown significant effort and support for small businesses in his city. “Our small businesses are the backbone of our economy,” Thomas said. “They work hard, give back to the community and keep our economic engine running. My administration is committed to continuing to advocate for our small businesses, including putting forth a

ground-floor tax break for retail businesses and developing a local film office that provides benefits to area businesses. Through new incentives will we create jobs, attract start-ups, and help existing businesses flourish in the great city of Mount Vernon.” The award is given by Partner America, a public-private partnership that was created by The U.S. Conference of Mayors to assist mayors in providing the resources and information small businesses need to thrive within their local communities and the global economy.

HGAR HOSTS OPEN HOUSE

From left: Gary Connolly; MLS director; Eric Kelly of William A. Kelly & Co in Katonah; Thomas Roach; Ann Garti, HGAR COO, Goshen office; Richard Haggerty, HGAR CEO; Nita Lowey; Renee Zurlo, HGMLS president (BHG Rand Central Valley); Marcene Hedayati, HGAR president (William Raveis Legends, Tarrytown, Irvington) ; Julia Lindh, MKDA; George Oros,; and Vicky Gonzalez, HGAR Controller.

The Hudson Gateway Association of Realtors (HGAR) recently held its official grand opening and ribbon cutting at its new headquarters at 1 Maple Ave., The Source at White Plains, at Bloomingdale Road and Maple Avenue. U.S. Rep. Nita Lowey and White Plains Mayor Thomas

Roach presided at the event, along with George Oros, chief of staff for the Westchester County Executive’s Office. The event also celebrated the association’s 100th anniversary. Founded in 1916 as the Westchester County Realty Board, the association now represents Realtors in Westchester, Putnam, Rockland and Orange counties.

EVENT RAISES FUNDS FOR HUMANE SOCIETY

From left: Morgan Modugno; John Pierce, Legal Shred of Hudson Valley; Laura Rey Iannarelli and Linda Rey, Rey Insurance Agency.

Wrapping up another year of taxes and getting into the season of spring cleaning, Rey Insurance of Sleepy Hollow and Legal Shred of the Hudson Valley recently teamed up to provide a free shredding event to encourage community residents to properly destroy their old documents. A part from freeing up space and getting rid of old documents such as pay stubs, junk mail and other confidential papers, Rey Insurance raised awareness about the importance of shredding to protect and avoid the possibility of identity theft.

AUGUST 1, 2016

WCBJ

“There was a great turnout and we were excited to see so many people come out to our event”, said Linda Rey, principal of Rey Insurance, “In addition to helping protect our community from invasive privacy threats, we were happy to be able to raise money for our friends at the Humane Society of Westchester at New Rochelle.” Dozens of local residents came out to participate in the shredding event, including Miss Westchester 2016, Morgan Modugno, and their inspirational furry friend, AJ. Rey’s Insurance donated $5 for each box received to the Humane Society of Westchester at New Rochelle.

HOULIHAN & O’MALLEY ADDS TWO AGENTS

Raymond E. Inello

Eastchester residents Raymond E. Inello and Janet Hargadon have joined Bronxville real estate agency Houlihan & O’Malley. Inello’s background includes 13 years as CEO of Rising Dough Enterprises LLC,

Janet Hargadon

operating eight Dunkin’ Donuts locations in Westchester and the Bronx. Previously, Inello was a life, disability and health insurance agent with New England Financial from 1999 to 2003.

Inello was born and raised in Eastchester and has lived in the town’s Chester Heights area for the past 10 years with his wife and four children, who all attend the Tuckahoe Schools. Hargadon is a member of the Hudson Gateway Association of Realtors, the New York Association of Realtors, and the National Association of Realtors. Prior to joining Houlihan & O’Malley, Hargadon was a medical assistant in the department of orthopedic surgery at New York Presbyterian Hospital/Columbia University Medical Center from 2005 to 2014. She graduated from the Mandl School of Allied Health in Manhattan with a degree in Occupational Health. Hargadon grew up in Riverdale and last year moved to Eastchester with her husband and two young boys.

EVENT AIMED AT EMPOWERING GIRLS

Jann Mirchandani and Britney Berg of the Microsoft Store.

Jann Mirchandani, owner of Westchesterbased website design firm Westchester Marketing Café, recently participated in a free DigiGirlz Event hosted by the Microsoft Store at the Westchester Mall in White Plains. The event welcomed young women of all ages for an introduction to computer science professionals and fundamentals, to empower them to explore career paths and get a better sense of the world of opportunities that exist within the tech industry, such as coding. “If you had told me when I was in high school I would be working in technology I would have told you you’re crazy,” said

Mirchandani, “Now I can’t imagine doing anything else. My best advice to young women is take everything; all the math, science, art, everything you can. You never know where you’ll end up and many of the most interesting jobs don’t even exist yet.” DigiGirlz is a global initiative that was launched in 2000 as a part of Microsoft’s YouthSpark, with the objective to increase access for all young people to learn computer science and to create educational, employment and entrepreneurial opportunities for young people around the world, especially girls and people from underrepresented backgrounds.

FRIENDS OF KAREN RAISES $300,000

Honorees Neil and Lydia Singer of Armonk.

Friends of Karen, a Westchester-based nonprofit that supports critically ill children and their families, held its annual Summer Soirée gala benefit at Brae Burn Country Club in Purchase. Adam Levy, co-director of pediatric neuro-oncology at The Children’s Hospital at Montefiore was honored with the organization’s humanitarian award in appreciation of his outstanding care of Friends of Karen children. Armonk couple Lydia and Neil Singer received The Sheila W. Petersen Award, named in honor of the nonprofit’s founder, in recognition of

their exceptional leadership and service to the organization. The event raised close to $300,000, which will benefit hundreds of children in the tristate area who are battling a lifethreatening illness and whose families turn to Friends of Karen every day. The nonprofit provides one-on-one support for the whole family. Its team of experienced social workers ensures that each family receives an individualized program of assistance to relieve their daily needs and concerns so they can remain stable and functioning.

CEBALLOS JOINS DERMATOLOGY GROUP Patricia Ceballos has joined Schweiger Dermatology Group’s offices in New Rochelle and Yonkers. Ceballos is double board-certified in dermatology and dermatopathology and practices general, medical and cosmetic

dermatology. Ceballos received her undergraduate degree from Brandeis University, where she graduated magna cum laude with honors in chemistry. She received her medical de-

gree from the University of Miami School of Medicine, where she continued on for her dermatology residency. After her residency, she completed a two-year Dermatopathology Fellowship at Harvard Medical School.

BCW EXEC CHOSEN FOR FELLOWSHIP

Ebony White

Ebony White, director of workforce and employer development at The Business Council of Westchester, has been selected to participate in The Association of Chamber of Commerce Executives’ Fellowship for Education Attainment. White is one of just 22 professionals chosen for the fellowship, which is designed for chamber executives and senior staff members who

work to enhance educational and workforce development opportunities for their communities. Participants will share best practices, review case studies and learn from national experts, and each will be tasked with developing and executing a regional action plan to meet their community’s educational attainment needs. A graduate of Howard University, White joined the BCW in 2007 as office coordinator and assumed her current position last September. Aside from her day-to-day efforts to better prepare Westchester’s future workers, she has been a driving force behind the BCW’s annual Youth Summit, which enables attendees to gain valuable advice and insight from community leaders and business professionals. In May, she was honored as a Champion of Youth Summer Jobs by the City of White Plains for her commitment to creating additional job opportunities for Westchester youth.

REILLY JOINS PATRIOT BANK

Kathleen M. Reilly

Industry veteran Kathleen M. Reilly has been named vice president/branch manager at Patriot Bank’s Scarsdale branch at 495 Central Park Ave. Reilly is a Somers resident with many years of experience in small-business banking, business development, coaching and the creation

and delivery of successful sales programs. “I am very proud to join Patriot Bank, where I can use my 30 years of banking experience to serve customers and the community,” Reilly said. “I was attracted to the bank because of its commitment to the local markets, the emphasis on volunteerism and the willingness to meet client challenges by being creative and forward thinking.” Reilly previously served as vice president/ small-business coach at Citibank in Somer. Under her leadership, the bank increased bookings by 83 percent over three quarters. Prior to that, she served as vice president/ small-business sales development at Webster Bank in Waterbury, Conn. Reilly lives in Somers with her husband, John Reilly. Their daughter Bridget is a senior at Hartwick College in Oneonta, and their son Patrick is a sophomore at SUNY Cortland.

STANDARD JOINS YOUTH BUREAU BOARD The Friends of the White Plains Youth Bureau has appointed Nicola Standard, vice president and branch manager of Apple Bank in Bronxville, to its board of directors. “The White Plains Youth Bureau is a community resource with a proud tradition of helping young people to reach their potential and become productive members of our community,” Standard said. “I look forward to contributing to this worthy cause and supporting the efforts of the Friends of the White Plains Youth Bureau.” She joined Apple Bank with more than 15 years of business and retail banking expe-

rience with several leading regional banks. Prior to joining Apple Bank in late 2015, she was the branch manager at People’s United Bank’s Bronxville office for three years. Prior to joining People’s Bank, she served as a Branch Relationship Banker at HSBC White Plains from 2010-12. A native of Jamaica, Standard came to the United States at the age of 12, settling with her family in Brooklyn. She graduated from Brooklyn Technical High School and earned a Bachelor of Business Administration degree in economics from Baruch College. She lives in White Plains with her husband and four children.

WCBJ

AUGUST 1, 2016

FACTS FORECLOSURES MOUNT VERNON, 287 Garden Ave. Single-family residence; lot size: .23 acre. Plaintiff: Green Tree Servicing LLC. Plaintiff ’s attorney: Berkman, Henoch, Peterson & Peddy, 516-2226200; 100 Garden City Plaza, Garden City 11530. Defendant: Joe Milligan. Referee: Michael Amodio. Sale: Aug. 2, 10 a.m. Approximate lien: N/A. MOUNT VERNON, 290 Summit Ave. Single-family residence; lot size: .12 acre. Plaintiff: One West Bank FSB. Plaintiff ’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Neville Mclaren. Referee: Helene Greenberg. Sale: Aug. 3, 10:45 a.m. Approximate lien: $706,277.84. NEW ROCHELLE, 26 Cliﬀ St. Twofamily residence; lot size: .06 acre. Plaintiff: Hudson City Savings Bank. Plaintiff ’s attorney: Cohn & Roth, 516747-3030; 100 E. Old Country Road, Mineola 11501. Defendant: Feisomina Tassone. Referee: Karl Scully. Sale: Aug. 3, 10:15 a.m. Approximate lien: $398,744.46. NEW ROCHELLE, 67 The Court. Single-family residence; lot size: .76 acre. Plaintiff: Wilmington Savings Fund Society. Plaintiff ’s attorney: Knuckles, Komosinski & Elliot, 914345-3020; 565 Taxter Road, Suite 509, Elmsford 10523. Defendant: Claude Phipps. Referee: Joseph Goubeaud. Sale: Aug. 2, 9:30 a.m. Approximate lien: $552,926.79. OSSINING, 11 Hudson Point Lane, Apt. 11. Condominium; lot size: N/A. Plaintiff: U.S. Bank National Association. Plaintiff ’s attorney: Frenkel, Lambert, Weiss, Weisman & Gordon, 631-969-3100; 53 Gibson St., Bay Shore 11706. Defendant: Edna Ault. Referee: Theodore Brundage. Sale: Aug. 3, 9:30 a.m. Approximate lien: $152,966.30. PELHAM, 57 Seventh St. Two-family residence; lot size: 50 x 126. Plaintiff: Countrywide Home Loans Inc. Plaintiff ’s attorney: Berkman, Henoch, Peterson & Peddy, 516-222-6200; 100 Garden City Plaza, Garden City 11530. Defendant: Mary Ifill. Referee: Kenneth Bunting. Sale: Aug. 17, 9 a.m. Approximate lien: N/A. RYE, 205 Polly Park Road. Singlefamily residence; lot size: 1.0 acre. Plaintiff: JPMorgan Chase Bank National Association. Plaintiff ’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Barbara Sable. Referee: John Guttridge. Sale: Aug. 3, 9 a.m. Approximate lien: $2,120,597.70. TARRYTOWN, 39 Meadow St. Single-family residence; lot size: .15 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Woods Oviatt Gilman LLP, 585-9872800; 700 Crossroads Building, 2 State St., Rochester 14614. Defendant: Elaine Gonzalez. Referee: Julia Henrichs. Sale: Aug. 3, 10 a.m. Approximate lien: $761,427.30.

AUGUST 1, 2016

WCBJ

WHITE PLAINS, 10 Longdale Ave. Single-family residence; lot size: .11 acre. Plaintiff: Reverse Mortgage Solutions. Plaintiff ’s attorney: Kozeny McCubbin & Katz, 516-227-2552; 40 Marcus Drive, Melville 11747. Defendant: Rose Marie Fripp. Referee: Albert Comachio. Sale: Aug. 10, 10 a.m. Approximate lien: $317,803.11. WHITE PLAINS, 27 Linda Ave. Single-family residence; lot size: N/A. Plaintiff: U.S. Bank National Association. Plaintiff ’s attorney: Leopold & Associates PLLC, 914-219-5787; 80 Business Park Drive, Armonk 10504. Defendant: Rudolph Evans. Referee: Barbara Lerman. Sale: Aug. 3, 9:30 a.m. Approximate lien: $632,611.10. WHITE PLAINS, 48 Upland Ave. Single-family residence; lot size: N/A. Plaintiff: The Bank of New York Mellon. Plaintiff ’s attorney: Stern & Eisenberg PC, 215-572-8111; 485 B Route 1 South, Iselin, N.J. 08830. Defendant: Amerigo Vincent Bellantoni. Sale: Bruce Povman. Sale: Aug. 10, 9:30 a.m. Approximate lien: $353,271.54. YONKERS, 5 Cross Hill Ave. Singlefamily residence; lot size: .12 acre. Plaintiff: Residential Mortgage Loan Trust 2013-TT2. Plaintiff ’s attorney: Berkman, Henoch, Peterson & Peddy, 516-222-6200; 100 Garden City Plaza 11530. Defendant: Jose Gines. Referee: Barbara Lerman. Sale: Aug. 23, 10 a.m. Approximate lien: N/A. YONKERS, 25 Fennimore Ave. Single-family residence; lot size: .11 acre. Plaintiff: CV XXV LLC. Plaintiff ’s attorney: Sheldon May & Associates, 516-763-3200; 255

JUDGMENTS Home Town Media Group LLC, Port Chester. $13,860 in favor of Newsday LLC, Melville. Filed July 18. Velocity Auto Center Inc., New Rochelle. $3,875 in favor of Service Champ LP, Chalfont, Pa. Filed July 19.

LIS PENDENS The following ﬁlings indicated a legal action has been initiated, the outcome of which may aﬀect the title to the property listed. Belizaire, Wilbert, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $357,500 affecting property located at 535 S. Seventh Ave., Mount Vernon 10550. Filed April 30. Brown, Pauline, et al. Filed by The Money Source Inc. Action: seeks to foreclose on a mortgage to secure $377,492 affecting property located at 137 Crary Ave., Mount Vernon 10550. Filed April 29.

FIGURES

Cardenas, Gloria, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $448,000 affecting property located at 189 Pinewood Road, Hartsdale 10530. Filed April 30.

Po, Ying Ping, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $450,000 affecting property located at 22 Lake Way and 26 Lake Way, Purdys 10578. Filed May 1.

Casey, Patricia, as executrix of the estate of Dennis J. Casey, et al. Filed by The Bank of New York Mellon Trust Company N.A. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 43 Howard Ave., White Plains 10606. Filed May 1.

Public administrator of Westchester County as administrator of the estate of Eileen Ryan Masline, et al. Filed by OneWest Bank. Action: seeks to foreclose on a mortgage to secure $170,362 affecting property located at 115 Chelsea Road, White Plains 10603. Filed April 30.

Connolly, Arthur T., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $302,435 affecting property located at 187 Tate Ave., Buchanan 10511. Filed April 29.

Salinas, Luz, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 65 S. Lawn, Elmsford 10523. Filed April 29.

Dawes, Sonia, et al. Filed by Lakeview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $321,634 affecting property located at 173 Washington St., Mount Vernon 10550. Filed May 1.

Thompson, Samuel, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 44 Manhattan Ave., White Plains 10607. Filed April 30.

Ivezaj, Ljindita, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $224,000 affecting property located at 12 Maple Ave., Croton Falls 10519. Filed May 1.

Villalobos, Maria G, et al. Filed by Citibank N.A. Action: seeks to foreclose on a mortgage to secure $520,000 affecting property located at 34 S. Mortimer Ave., Elmsford 10523. Filed April 30.

Kaufman, Eric J., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $648,000 affecting property located at 23 Turtle Pond Lane, Bedford 10506. Filed April 29.

White, John F., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $571,900 affecting property located at 21 Wallace Road, North Salem 10560. Filed April 30.

Kelly, Kathleen, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $224,000 affecting property located at 6304 Villa at the Woods, Unit C504, Peekskill 10566. Filed April 29. Martin, Kenneth G. Jr., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $616,000 affecting property located at 96 Pinesbridge Road, Ossining 10562. Filed May 1.

MECHANIC’S LIENS Boe, Jeremy, et al, as owner. $1,148 as claimed by Ed McEneaney/Summit, Mount Kisco. Property: 206 McLean St., Mount Kisco. Filed July 14. Chavez, Crysol, as owner. $3,080 as claimed by Gedney Electric LLC, White Plains. Property: 189 Pinewood Road, Hartsdale. Filed July 18.

Moe-McDavid, Anne, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 628 S. Seventh Ave., Mount Vernon 10550. Filed April 29.

Hollister Construction Services, Parsippany, N.J., as owner. $20,336 as claimed by Global Construction, Wayne, N.J. Property: 750 S. Fulton Ave., Mount Vernon 10552. Filed July 14.

Palatucci, Joseph M., et al. Filed by Beneficial Homeowner Service Corp. Action: seeks to foreclose on a mortgage to secure $357,000 affecting property located at 14 Antony Road, White Plains 10606. Filed May 1.

Morina, Arben, et al, New Rochelle, as owner. $545,000 as claimed by West End Construction Managers LLC, et al, New Rochelle. Property: 675 White Plains Road, Eastchester. Field July 18.

Parra, Lupe, et al. Filed by Ameriana Bank. Action: seeks to foreclose on a mortgage to secure $540,000 affecting property located at 12 Oak St., Harrison. Filed April 29.

Norwich Yonkers LLC, as owner. $3,323 as claimed by Precast Concrete Sales Co., Valley Cottage. Property: 70 Executive Blvd., Yonkers. Filed July 14.

Petrello, Nora, et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $115,000 affecting property located at 85 McKinley Ave., Unit A2-3, White Plains 10606. Filed May 1.

Post Road Associates LLC, as owner. $38,917 as claimed by Phoenix Modular Elevator Inc., Mount Vernon, Ill. Property: 101 E. Post Road, White Plains 10601. Filed July 19.

NEW BUSINESSES

Sole Proprietorships

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

Cashen Consulting, 65 N. Mountain Drive, Dobbs Ferry 10522, c/o Sara Cashen. Filed Nov. 23.

Doing Business As

Enith Pintado Cleaning Services, 141 Fremont St., Peekskill 10566, c/o Edith Pintado. Filed Nov. 23.

355 Halstead Food Corp., d.b.a. The Harrison Market, 355 Halstead Ave., Harrison 10528. Filed Nov. 23. Aids Healthcare Foundation, d.b.a. AHF Pharmacy, 45 Melville Park Road, Melville 11747. Filed Nov. 23. Anna Nails and Spa Inc., d.b.a. Coco Nails, 328 Tuckahoe Road, Yonkers 10710. Filed Nov. 23. Best Market of Hartsdale Inc., d.b.a. Best Market, 1 Lexington Ave., Bethpage 11714. Filed Nov. 23. Butch’s Plumbing and Heating Inc., d.b.a. BPH Co., 15 Hawley St., White Plains 10606. Filed Nov. 23. Capatosta, Inc., d.b.a. Capatosta Trattoria, 121 E. Main St., Elmsford 10523. Filed Nov. 23. Chabad Lubavitch of Bronxville Inc., d.b.a. Chabad Jewish Center, 1 Stone Place, Suite 101, Bronxville 10708. Filed Nov. 23. Charlotte and Associates Inc., d.b.a. The Bulb Warehouse, 444 E. Boston Post Road, Suite 108, Mamaroneck 10543. Filed Nov. 23. Gen-Lo Inc., d.b.a. Genios Restaurant, 583 Davenport Ave., New Rochelle 10805. Filed Nov. 23. Hispanic Resource Center of Larchmont/Mamaroneck Inc., d.b.a. Community Resource Center, 134 Center Ave., Mamaroneck 10543. Filed Nov. 23. Ken Harris Inc., d.b.a. A Reliable Service, 60 Grapal St., Rye 10580. Filed Nov. 23. On Time Transport Inc., d.b.a. Green World Transport, 48 Mamaroneck Ave., White Plains 10601. Filed Nov. 23. Pitbull Tech Solutions Inc., d.b.a. G and J Solutions, 333 Mamaroneck Ave., Suite 355, White Plains 10605. Filed Nov. 23. Retriever Medical/Dental Payments Inc., d.b.a. Healthcare Payment Processing Center, 115 E. Stevens Ave., Valhalla 10595. Filed Nov. 23. Seven Nation Food Company Inc., d.b.a. Celtic Gourmet, 389 E. Third St., Mount Vernon 10553. Filed Nov. 23. The Confection Angels Inc., d.b.a. The Chocolate Dreamer, 44 E. Hill Road, Cortlandt Manor 10567. Filed Nov. 23.

PATENTS Deploying a portion of a streaming application to one or more virtual machines according to hardware type. Patent no. 9,401,946 issued to Lance Bragstad, Pine Island, Minn.; Michael J. Branson, Rochester, Minn.; Bin Cao, Rochester, Minn.; James E. Carey, Rochester, Minn.; and Matthew R. Odden, Rochester, Minn. Assigned to International Business Machines Corp., Armonk. Determining sampling rate from randomly sampled events. Patent no. 9,401,853 issued to Kanak B. Agarwal, Austin, Texas; John B. Carter, Austin, Texas; Colin K. Dixon, Austin, Texas; and Jeffrey T. Rasley, Providence, R.I. Assigned to International Business Machines Corp., Armonk. Electronic component assembly. Patent no. 9,402,320 issued to Mark K. Hoffmeyer, Rochester, Minn.; and Theron L. Lewis, Rochester, Minn. Assigned to International Business Machines Corp., Armonk. Facilitating context delivery during communication sessions. Patent no. 9,401,988 issued to Erik Fiedorowicz, Denver, Colo.; Sri Ramanathan, Lutz, Fla.; Matthew A. Terry, Dunwoody, Ga.; and Matthew B. Trevathan, Roswell, Ga. Assigned to International Business Machines Corp., Armonk. Identifying content in an incoming message on a social network. Patent no. 9,401,887 issued to Shadi E. Albouyeh, Raleigh, N.C.; Bernadette A. Cater, Raleigh, N.C.; Jeffrey R. Hoy, Southern Pines, N.C.; and Stephanie L. Trunzo, Wake Forest, N.C. Assigned to International Business Machines Corp., Armonk. Method for controlling airﬂow of directional ﬂow perforated tile. Patent no. 9,402,334 issued to Patrick A. Coico, Fishkill; David P. Graybill, Staatsburg; Allan R. Hoeft, Poughkeepsie; Madhusudan K. Iyengar, Woodstock; Roger R. Schmidt, Poughkeepsie; and Gerard V. Weber Jr., Saugerties. Assigned to International Business Machines Corp., Armonk. Preventing personal information from being posted to an Internet. Patent no. 9.401,886 issued to Paul Roger Bastide, Boxford, Mass.; Matthew E. Broomhall, South Burlington, Vt.; and Robert Edward Loredo, North Miami Beach, Fla. Assigned to International Business Machines Corp., Armonk.

FACTS Real-time customizable media content ﬁlter. Patent no. 9,401,943 issued to Jason D. LaVoie, Littleton, Mass.; Javed Rahman, Medford, Mass.; and Eric S. Steitz, Woburn, Mass. Assigned to International Business Machines Corp., Armonk.

Vigotty, Indigo, et al, Kingston, as owner. Lender: Rondout Savings Bank, Kingston. Property: 977 Orlando St., Kingston 12401. Amount: $42,000. Filed July 20.

Scalable cloud-storage architecture. Patent no. 9,401,960 issued to Rong N. Chang, Pleasantville; Byung Chul Tak, Yorktown Heights; and Chunqiang, Cupertino, Calif. Assigned to International Business Machines Corp., Armonk.

DEEDS

System and method for synchronization between servers. Patent no. 9,401,957 issued to Andrew Fiske Roberts, Melrose, Mass. Assigned to International Business Machines Corp., Armonk.

HUDSON VALLEY BUILDING LOANS Above $1 million Banker, Douglas H., et al, Garrison, as owner. Lender: RCN Capital Funding LLC. Property: 43 Kings Dock Road, Garrison 10524. Amount: $1.5 million. Filed June 29. Pelton Crossing LLC, Clifton, N.J., as owner. Lender: TD Bank N.A. Property: West Street, Warwick. Amount: $4.7 million. Filed July 20.

Below $1 million Amodio, Brendan M., et al, Saugerties, as owner. Lender: Mid-Hudson Valley Federal Credit Union, Kingston. Property: 59 W. Camp Road, Saugerties 12477. Amount: $270,000. Filed July 19. Bragg, Kyle D., et al, Highland, as owner. Lender: New York Banking Corp., Saugerties. Property: in Lloyd. Amount: $310,500. Filed July 22. Castellano, Bonnie A., Highland, as owner. Lender: Rondout Savings Bank, Kingston. Property: 1379 Old Post Road, Ulster Park. Amount: $244,000. Filed July 20. Manor Properties Redevelopment LLC, as owner. Lender: Grand Coast Capital Fund I LLC. Property: in Pawling. Amount: $168,000. Filed July 21. SDF Capital LLC, New Rochelle, as owner. Lender: Absolute Capital Lending LLC. Property: 167 High Barney Road, Middletown. Amount: $108,000. Filed July 22.

Above $1 million ASB120 LLC, Tuxedo Park. Seller: Zoe Ministries Inc., New York City. Property: 2 Circuit Road, Tuxedo. Amount: $1.8 million. Filed July 19. Board of Education of the Wappingers Central School District, Hopewell Junction. Seller: East Fishkill Corporate Park LLC, Wappingers Falls. Property: in East Fishkill. Amount: $2.5 million. Filed July 15. Global Signal Acquisitions IV LLC. Seller: Red Wing Properties Inc. Property: in LaGrange. Amount: $1 million. Filed July 18. HSBC Bank USA N.A. Seller: Koharig Hosdaghian, Goshen. Property: 2 Prince Lane, Middletown 10941. Amount: $2.2 million. Filed July 21. Ozzy-Lu Realty Corp., Ossining. Seller: Maza Holding Corp., Yorktown Heights. Property: in Carmel. Amount: $1.2 million. Filed July 5. Riverside Oﬃce Park LLC, Wappingers Falls. Seller: Jotemar LLC, et al, Poughkeepsie. Property: in Poughkeepsie. Amount: $4.9 million. Filed July 20.

Below $1 million 244 Liberty Street LLC. Seller: John E. Bach, Goshen. Property: 242-244 Liberty St., Newburgh 12550. Amount: $69,001. Filed July 21. 27 Tobin LLC, Pearl River. Seller: John J. Long, Carmel. Property: 27 Tobin Lane, Highland Falls. Amount: $56,000. Filed July 18. 349 Milltown Road LLC, South Salem. Seller: John J. Malloy, et al, Brewster. Property: 340 Milltown Road, Brewster 10509. Amount: $140,000. Filed July 7. 483 Route 105 Corp., Monroe. Seller: 483 105 Corp., Monroe. Property: in Monroe. Amount: $230,000. Filed July 18. 485 Band Camp Road LLC, White Plains. Seller: Louis Gaudiosi, Saugerties. Property: in Saugerties. Amount: $60,000. Filed July 19. 51 Hoker Ave LLC, Monsey. Seller: GRGL Corp., Hopewell Junction. Property: in Poughkeepsie. Amount: $420,000. Filed July 19.

FIGURES Deutsche Bank National Trust Co. Seller: Juliana LoBiondo, Newburgh. Property: 16 Red Barn Lane, Middletown 10940. Amount: $281,709. Filed July 21.

Gemmati Properties LLC, et al, Poughkeepsie. Seller: Theoni StamosSalotto, Hopewell Junction. Property: 30 Zerner Blvd., Hopewell 12533. Amount: $145,000. Filed July 20.

Dhiman Realty LLC, Rensselaer. Seller: John Palmucci, et al, Kingston. Property: in Kingston. Amount: $250,000. Filed July 22.

Hayes Estates LLC, Monroe. Seller: Eugen Porgesz, et al, Monroe. Property: 7 Hayes Court, Monroe 10950. Amount: $600,000. Filed July 20.

Ekas Properties, Patterson. Seller: William Vuotto, Hopewell Junction. Property: 3 Penny Lane, Southeast. Amount: $171,000. Filed July 12.

HSBC Bank USA N.A. Seller: Anthony J. Mazzella Jr., et al, Cortlandt Manor. Property: 27 Henry Ave., Newburgh 12550. Amount: $288,073. Filed July 22.

Emerald PJ LLC, Spring Valley. Seller: Federal Home Loan Mortgage Corp. Property: 19 Hornbeck Ave., Port Jervis 12771. Amount: $40,160. Filed July 19.

J Adams Holding LLC, Poughkeepsie. Seller: John Karl Gifford, Poughkeepsie. Property: 2 May St., Poughkeepsie 12601. Amount: $62,000. Filed July 20.

Bayview Loan Servicing LLC, Coral Gables, Fla. Seller: Jennifer Magriz, et al, Peekskill. Property: 56 Ridgecrest Road, Lake Peekskill 10537. Amount: $206,438. Filed June 30.

Fannie Mae. Seller: Peter H. Neuman, Cornwall-on-Hudson. Property: 17 Willow Lane, New Windsor 12553. Amount: $322,184. Filed July 19.

J and H Pinkz Inc., Ellenville. Seller: James F. Hyatt, Ellenville. Property: in Ellenville. Amount: $225,000. Filed July 18.

Bayview Loan Servicing LLC, Coral Gables, Fla. Seller: Juliet Ababio, Bronx. Property: 42 Hunt Road, Wallkill 12589. Amount: $431,500. Filed July 21.

Federal Home Loan Mortgage Corp. Seller: Jodi Ann Mosiello, White Plains. Property: 10 Jerome Drive, Brewster. Amount: $148,186. Filed July 7.

JD Construction of Orange County Inc., Slate Hill. Seller: Sterling Duclervil, Bloominburg. Property: in Greenville. Amount: $52,000. Filed July 21.

Bayview Loan Servicing LLC. Seller: Paul C. Brite, Newburgh. Property: 340 First St., Newburgh 12550. Amount: $198,748. Filed July 21.

Federal Home Loan Mortgage Corp. Seller: Erick Zapata, et al, Walden. Property: 22 Maple St., Walden 12586. Amount: $355,564. Filed July 21.

JPMorgan Chase Bank N.A. Seller: Kathryn S. Lazar, Hopewell Junction. Property: 35 Davis Ave., Poughkeepsie 12603. Amount: $182,000. Filed July 19.

A Class Management Inc., Carmel. Seller: Pat Cianciulli. Property: 8 Mohansic Road, Carmel 10512. Amount: $57,500. Filed July 6. A Class Management Inc., Carmel. Seller: U.S. Bank Trust N.A. Property: 17 Montrose Drive, Carmel 10512. Amount: $53,000. Filed June 28. Allsave Development LLC, Montebello. Seller: John B. Swift III, Goshen. Property: in Warwick. Amount: $700,000. Filed July 20. Bank of America N.A. Seller: Edward C. Bruno, Pine Bush. Property: 10 Woodside Knolls Drive, Middletown 10940. Amount: $409,804. Filed July 22.

Bluemggn LLC, Hurley. Seller: Gary Mecabe, Kingston. Property: in Port Ewen. Amount: $107,500. Filed July 21. BVA Construction Corp., Hopewell Junction. Seller: Judith Willsey, LaGrangeville. Property: in LaGrange. Amount: $32,500. Filed July 14. Cabo Pass LLC, Fishkill. Seller: Fannie Mae. Property: 11 Victoria Lane, Beacon 12508. Amount: $22,000. Filed July 20. Cadre Developers Unlimited LLC, Poughkeepsie. Seller: Federal Home Loan Mortgage Corp. Property: 541 Creek Road, Poughkeepsie 12601. Amount: $150,000. Filed July 20. Cartus Financial Corp., Danbury, Conn. Seller: Alexandra Van Slyke, Pawling. Property: 20 Cushing Green South, Pawling 12531. Amount: $238,000. Filed July 15. Citizens Bank N.A. Seller: David Rider, New Windsor. Property: 3 Hidden View Drive, Montgomery 12586. Amount: $249,214. Filed July 22.

Federal Home Loan Mortgage Corp. Seller: Jeremy J. Carlucci, et al, Garrison. Property: 319 Sprout Brook Road, Garrison 10524. Amount: $295,329. Filed June 27. Federal National Mortgage Association. Seller: Carol L. Rivera, Highland. Property: 60 Leslie Road, Newburgh 12550. Amount: $268,279. Filed July 18. Federal National Mortgage Association. Seller: Cindy Vargas, Brewster. Property: in Carmel. Amount: $305,416. Filed July 5. Federal National Mortgage Association. Seller: Jonathan M. Victor, Mahopac. Property: 421 Brewster Hill Road, Brewster 10509. Amount: $527,060. Filed July 12. Federal National Mortgage Association. Seller: Kara J. Cavallo, Walden. Property: 5 Waring Road, Newburgh 12550. Amount: $165,500. Filed July 21.

D and D Orchards LLC, Clintondale. Seller: Dennis Chaissan, Chapel Hill, N.C. Property: in Plattekill. Amount: $88,000. Filed July 18.

Federal National Mortgage Association. Seller: Mark T. Starkman, Highland Mills. Property: 213 Third St., Newburgh 12550. Amount: $231,491. Filed July 22.

Deutsche Bank National Trust Co. Seller: Barry H. Friedman, Poughkeepsie. Property: 34 S. Cross Road, LaGrangeville 12540. Amount: $463,000. Filed July 15.

First Niagara Bank N.A., Lockport. Seller: Jason P. Sautter, Middletown. Property: 25 Lexington Hill, Unit 2, Harriman 10926. Amount: $103,700. Filed July 18.

M&T Bank. Seller: Calman Greenberg, Bronx. Property: 275 Mossy Brook Road, Rosendale 12472. Amount: $189,807. Filed July 19. M&T Bank. Seller: Joan Iacono, Bronxville. Property: 54 E. Lowell St., Mahopac 10541. Amount: $272,271. Filed June 28. Manor Properties Redevelopment LLC, Brewster. Seller: OWB REO LLC, Austin, Texas. Property: 62 Main St., Pawling 12564. Amount: $110,000. Filed July 15. Masten LLC, Montgomery. Seller: U.S. Bank N.A. Property: 2434 State Route 208, Walden 12586. Amount: $32,500. Filed July 21. Mortgage Equity Conversion Asset Trust 2011-1. Seller: Stewart P. Glenn, Newburgh. Property: 276 Temple Hill Road, Unit 2609, New Windsor 12553. Amount: $159,173. Filed July 19.

Oak Ridge Contracting LTD, Wappingers Falls. Seller: Jane Johns, Wappingers Falls. Property: in East Fishkill. Amount: $44,000. Filed July 20. Pennymac Corp. Seller: Andrea Pawliczek, Montgomery. Property: 4021 Whispering Hills Lane, Chester 10918. Amount: $175,000. Filed July 19. Reneve Holdings LLC, New London, Conn. Seller: Charlotte Christmas, et al, Germantown. Property: in Beacon. Amount: $70,000. Filed July 15. SDF Capital LLC, New Rochelle. Seller: Sanjaya Lowe, Middletown. Property: in Wallkill. Amount: $100,000. Filed July 22. SGC Builders Inc., New Paltz. Seller: William Purdy, et al, Highland. Property: in Lloyd. Amount: $45,000. Filed July 20. Sheafe Woods Realty LLC, Wappingers Falls. Seller: Donald W. McCormick Jr., Wappingers Falls. Property: 51 S. Mesier Ave., Wappingers Falls 12590. Amount: $190,000. Filed July 15. SM393MAR LLC, Highland Mills. Seller: Bruce Bryan, Cornwall-onHudson. Property: in New Windsor. Amount: $160,000. Filed July 22. Sobo and Sobo Holdings LLC, Middletown. Seller: Linda M. Slomowitz. Property: in Middletown. Amount: $110,000. Filed July 20. SOS Property Solutions LLC, Walden. Seller: Georgeline Nicholas, Leigh Acres, Fla. Property: 164 First St., Newburgh 12550. Amount: $25,000. Filed July 22. Sprague Empire LLC, Spring Valley. Seller: Fannie Mae. Property: 36 East Ave., Middletown 10940. Amount: $80,000. Filed July 22. Stony Point Views LLC, Spring Valley. Seller: Fannie Mae. Property: 11 Nottingham Road, Sparrow Bush 12780. Amount: $73,500. Filed July 21. The Bank of New York Mellon. Seller: Edith M. Esquerette, et al, Montgomery. Property: 126 Renwick St., Newburgh 12550. Amount: $161,792. Filed July 20.

Nationwide Mutual Insurance Co. Seller: Matthew S. Hamel, et al, Patterson. Property: in Patterson. Amount: $265,000. Filed June 24.

The Putnam County National Bank of Carmel. Seller: Barbara Patricia Greenwood, Carmel. Property: in Carmel. Amount: $79,393. Filed July 8.

NRZ REO Inventory, New York City. Seller: JPMorgan Chase Bank N.A. Property: in Dover. Amount: $68,000. Filed July 18.

Tuxedo Hudson Company No. 4 LLC Seller: Kathryn Elaine Brentnall, Sloatsburg. Property: in Tuxedo. Amount: $98,000. Filed July 18.

O’Mara Family Farms Inc., Brewster. Seller: Patrick L. O’Mara, et al, Patterson. Property: in Dover. Amount: $34,000. Filed July 19.

U.S. Bank N.A. Seller: Denny John Tyner, et al, Poughkeepsie. Property: 12 Heritage Road, Clinton 12514. Amount: $372,500. Filed July 15.

WCBJ

AUGUST 1, 2016

FACTS U.S. Bank N.A. Seller: James E. Nelson, Poughkeepsie. Property: in East Fishkill. Amount: $144,000. Filed July 19. U.S. Bank N.A. Seller: Patricia Larsson, Putnam Valley. Property: 18 Winnebago Road, Putnam Valley 10579. Amount: $214,372. Filed July 12. U.S. Bank N.A. Seller: Sharon M. Faulkner, Poughkeepsie. Property: 44 Locust Hill Drive, Red Hook 12571. Amount: $647,000. Filed July 15. U.S. Bank Trust N.A. Seller: Alan L. Joseph, Goshen. Property: 14 Crescent Place, Middletown 10940. Amount: $474,157. Filed July 21.

Wilmington Savings Fund Society. Seller: Carla Wise, Goshen. Property: 21 Clark St., Middletown 10940. Amount: $85,988. Filed July 20.

JUDGMENTS 4 I H 301 Corp., Monroe. $1,551 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 1. 731 Ulster Avenue Inc., Kingston. $2,624 in favor of the New York State Department of Taxation and Finance, Albany. Filed July 21.

U.S. Bank Trust N.A. Seller: Lisa Daly Ambrose, Campbell Hall. Property: 57 Rockridge Drive, Highland Mills. Amount: $642,473. Filed July 19.

Bangs and Body Salon and Day Spa Corp., Lake Katrine. $337 in favor of the New York State Department of Taxation and Finance, Albany. Filed July 21.

Vassar Brothers Hospital, Poughkeepsie. Seller: Valerie Mazzamuto, Poughkeepsie. Property: in Poughkeepsie. Amount: $175,000. Filed July 15.

Connection for Professionals Inc., West Hurley. $116 in favor of the New York State Department of Taxation and Finance, Albany. Filed July 21.

Wappinger Family Rentals LLC, Valhalla. Seller: Joel Brind, New Hamburg. Property: 10-12 Dutchess Terrace, Wappingers Falls 12590. Amount: $225,000. Filed July 19. Wappinger Family Rentals LLC, Valhalla. Seller: Joel Brind, New Hamburg. Property: 6 MacFarlane Road, Wappingers Falls 12590. Amount: $200,000. Filed July 19. Wells Fargo Bank N.A. Seller: Bernd D. Ban, Montgomery. Property: 40 Black Stallion Court, Middletown 10940. Amount: $92,907. Filed July 22. Wells Fargo Bank N.A. Seller: Edward C. Bruno, Pine Bush. Property: 28 Lakeside Drive, New Windsor 12553. Amount: $297,019. Filed July 19. Wells Fargo Bank N.A. Seller: Victor Magarelli, et al, Cornwall-on-Hudson. Property: 23 Royal Circle, Newburgh 12550. Amount: $248,730. File July 20. Wilmington Savings Fund Society FSB. Seller: Donald Gordon Nichol, Walden. Property: 34 Hawthorne Ave., Newburgh 12550. Amount: $192,776. Filed July 21. Wilmington Savings Fund Society FSB. Seller: Frank Dicuio, et al, Hopewell Junction. Property: 46 Meadow Way, Hopewell Junction 12533. Amount: $209,500. Filed July 18. Wilmington Savings Fund Society FSB. Seller: Jason Sautter, Unionville. Property: 424 Carpenter Ave., Unit 26, Newburgh 12550. Amount: $186,338. Filed July 19. Wilmington Savings Fund Society FSB. Seller: Juliana LoBiondo, Newburgh. Property: 810 Blooming Grove Turnpike, New Windsor 12553. Amount: $103,767. Filed July 21.

AUGUST 1, 2016

WCBJ

Diamond Jewel’s Up-Scale ReSale, Maybrook. $291 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 1. Fat Mikes Pizza and Deli, Wallkill. $1,581 in favor of the New York State Department of Taxation and Finance, Albany. Filed July 21. Jackson Avenue Nursery Corp., Scarsdale. $3,558 in favor of Alpine Corp., Commerce, Calif. Filed July 21. Liberty Security Services LLC, Woodstock. $2,717 in favor of the New York State Department of Taxation and Finance, Albany. Filed July 21. Manpower Electrical and Mechanical Contracting Inc., Saugerties. $854 in favor of the New York State Department of Taxation and Finance, Albany. Filed July 21. Orange Lake Construction Corp., et al, Newburgh. $4,788 in favor of ABC Supply Company Inc., et al, Avenel, N.J. Filed July 21. Primo Pizza of Kingston Inc., Kingston. $4,061 in favor of the New York State Department of Taxation and Finance, Albany. Filed July 21. Renzo Gracie Newburgh 2 Corp., Newburgh. $24,371 in favor of Meadow Hill Realty LLC, Newburgh. Filed July 18. Sha-Wu Inc., West Hurley. $143 in favor of the New York State Department of Taxation and Finance, Albany. Filed July 21. Vicemari LLC, Newburgh. $159,375 in favor of Crossroads Pool I LLC, Fort Myers, Fla. Filed July 20.

Windsor Highway AB Food Systems Corp., New Windsor. $1,811 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 1. X Kandalo Inc., Newburgh. $7,756 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 1.

LIS PENDENS The following filings indicated a legal action has been initiated, the outcome of which may affect the title to the property listed. Aguila, Julia Esther, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $372,040 affecting property located at 96 Campbell Road, Napanoch 12458. Filed July 22. Aine, Astrel, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $369,263 affecting property located at 15 Duelk Ave., Monroe 10950. Filed Jan. 7. Alfieri, Richard L., et al. Filed by Sterling National Bank. Action: seeks to foreclose on a mortgage to secure $219,994 affecting property located at 1148 Burlingham Road, Pine Bush 12566. Filed July 21. Angiel, Randal, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 17 Angel Lane, Saugerties 12477. Filed July 18. Annabi, Majed F., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $600,000 affecting property located at 19 Meadowcrest Drive, Mahopac 10541. Filed July 5. Anniballi, Stephen, et al. Filed by Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $50,000 affecting property located at 1601 Parr Lake Drive, Newburgh 12550. Filed Jan. 7. Ashley, Rebecca I., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $192,460 affecting property located at 191 Wickham Ave., Middletown 10940. Filed Jan. 6. Augustine, Timothy E., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $338,000 affecting property located at 10 Nancy Road, Brewster 10509. Filed July 12. Blanar, Mary K., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $168,000 affecting property located at 596 Farm to Market Road, Brewster 10509. Filed July 18.

FIGURES Brady, Jean, et al. Filed by James B. Nutter and Co. Action: seeks to foreclose on a mortgage to secure $442,500 affecting property located at 2377 Salt Point Turnpike, Clinton Corners 12514. Filed July 19. Breglia, Maxine, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $294,964 affecting property located at 17 Grant Place, Lake Peekskill 10537. Filed July 11. Cafarelli, Christopher, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $125,045 affecting property located at 35 Hudson View Terrace, Newburgh 12550. Filed Jan. 6. Carey, William, as heir at law of William Carey, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $195,000 affecting property located at 493 Bullet Hole Road, Carmel 10541. Filed July 8. Carroll, Kevin, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $329,422 affecting property located at 3 Doe Drive, Putnam Valley 10579. Filed June 29. Cavaccini, Carolyn J., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $133,300 affecting property located at 7 Cherry Lane, Saugerties. Filed July 18. Cavoto, Anthony, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $579,000 affecting property located at 561 Croton Falls, Carmel 10512. Filed July 6. Chiarello, Robert E., et al. Filed by CCFU Funding LLC. Action: seeks to foreclose on a mortgage to secure $144,800 affecting property located at 54 White Pond Colony Road, Carmel 10512. Filed July 5. Cilenti, Christopher M., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 492 Stony Kill Road, Accord 12404. Filed July 21. Cintron, Edward L., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $417,000 affecting property located at 14 Orchard Court, Brewster 10509. Filed June 27. Clinton, William A., et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $161,400 affecting property located at 7 Estate Drive, Middletown 10940. Filed Jan. 7. Clock, Caleb W., et al. Filed by Ulster Savings Bank. Action: seeks to foreclose on a mortgage to secure $276,450 affecting property located at 2 Picnic Woods Road, Clintondale 12528. Filed July 18.

Colbert, Marynorma A., as executrix and beneficiary under the last will and testament of Robert R. Colbert Jr., et al. Filed by the Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 15 Mountain Ave., Cold Spring 10516. Filed June 27. Connolly, Robert J., as executrix of the last will and testament of Maria R. Milisits, et al. Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $124,029 affecting property located at 280 Hibernia Road, Salt Point 12578. Filed July 18. Cruz, Luis, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $222,000 affecting property located at 32 Rainbow Drive, Wallkill 12589. Filed July 22. Darman, Joseph, et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $149,000 affecting property located in Cold Spring. Filed June 30. Davis, Laura, et al. Filed by Bayview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $316,650 affecting property located at 76 Bryant Trail, Carmel 10512. Filed July 18. Di Pompo, Michael, individually and as surviving spouse of Elizabeth Di Pompo, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $262,500 affecting property located at 6 Pearse Place, Beacon 12508. Filed July 15. Diaz, Antonio, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $130,000 affecting property located at 151 Huckleberry Turnpike, Wallkill 12589. Filed July 18. Dipiazza, Giovanna, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $299,250 affecting property located at 74 Stonybrook Road, Pine Bush 12566. Filed July 21. Distasio, Patricia, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 49 Steuben Road, Garrison 10524. Filed June 28. Dudgeon, Kevin, et al. Filed by the Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $340,000 affecting property located at 23 Sargent Road, Warwick 10990. Filed Jan. 6. Duﬀy, Colleen, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $365,000 affecting property located at 81 Seven Oaks Lane, Brewster 10509. Filed June 27.

Dure-Marcy, Monique, et al. Filed by J.P. Morgan Alternative Loan Trust 2006-S4. Action: seeks to foreclose on a mortgage to secure $540,000 affecting property located at 227 Bowser Road, Middletown 10940. Filed Jan. 7. Flores, Johnny, et al. Filed by Pennymac Holdings LLC. Action: seeks to foreclose on a mortgage to secure $304,000 affecting property located at 24 Hawthorne Lane, Poughkeepsie 12603. Filed July 18. Gerbino, Michael C., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $185,693 affecting property located at 11 Doansburg Road, Carmel 10512. Filed July 8. Giampia, Debra, et al. Filed by USROF IV Legal Title Trust 2015-1. Action: seeks to foreclose on a mortgage to secure $285,000 affecting property located at 112 Stillwater Road, Mahopac 10541. Filed July 13. Gragert, Doris H., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 296 Oscawana Lake Road, Putnam Valley 10588. Filed July 18. Grencer, Vikki L., as commissioner of the Dutchess County Department of Social Services, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $160,370 affecting property located at 127 Martin Road, Hopewell Junction 12533. Filed July 19. Haviland LLC, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $2.1 million affecting property located at 80 Haviland Road, and 1 Jennifer Court, Poughkeepsie 12601. Filed July 18. Horbatuk, Nicholas, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $260,690 affecting property located at 58 Star View Ave., Putnam Valley 10579. Filed June 27. Ihne, Charles W., et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $302,299 affecting property located at 947 W. Kaisertown Road, Montgomery 12549. Filed Jan. 7. Jachyra, Adam, et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $245,000 affecting property located at 296 Archer Road, Mahopac 10541. Filed June 27. Johnson, Ross, et al. Filed by Indymac Federal Bank FSB. Action: seeks to foreclose on a mortgage to secure $304,500 affecting property located at 3 Winding Hills Road, Wallkill 12589. Filed July 19. JPMorgan Chase Bank N.A, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $30,000 affecting property located at 31 Arlmont St., Kingston 12401. Filed July 21.

FACTS Kasowski, Michele, as trustee of the 2004 Charles J. Kasowski Jr. irrevocable trust, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $207,400 affecting property located at 98 Shore Drive, Brewster 10509. Filed July 18. Kline, Farley, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $207,100 affecting property located at 4 Elizabeth St., Port Jervis 12771. Filed Jan. 7. Knight, Tito A., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $342,308 affecting property located at 4 Bainbridge Place, Unit 1001, Newburgh 12550. Filed Jan. 6. Latimore, Patricia, et al. Filed by Indymac Bank FSB. Action: seeks to foreclose on a mortgage to secure $160,000 affecting property located at 26 Vincent St., Kingston 12401. Filed July 20. Lewis, Paula, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $184,000 affecting property located at 24 Ogden St., Middletown 10940. Filed Jan. 7. Lilland, Lars, et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $162,400 affecting property located at 34 Indian Spring Lane, Kingston 12401. Filed July 22. Lomenzo, Anthony, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $290,000 affecting property located at 627 Union Valley Road, Mahopac 10541. Filed July 7. Lucas Meadows LLC, et al. Filed by Ulster Savings Bank. Action: seeks to foreclose on a mortgage to secure $80,000 affecting property located at 120 Maxwell Lane, Kingston 12401. Filed July 21.

Miller, Mary, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $150,000 affecting property located at 24 Rochambeau Road, Garrison 10524. Filed June 29.

FIGURES

Sebastian, Gracy, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $384,800 affecting property located at 12 Summit Ave., Harriman 10926. Filed Jan. 7.

David Realty Holdings LLC, as owner. $12,999 as claimed by Aqua Plumbing Services Inc., Monsey. Property: 43 Van Wyck Court, Shawangunk. Filed July 22.

Molison, Stephen R., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $71,371 affecting property located in Wappinger. Filed July 18.

Sensini, Aldo, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 57 Elmendorf St., Kingston. Filed July 18.

Higgins, Stephanie M., as owner. $9,000 as claimed by D Rock Builders Inc., Hopewell Junction. Property: 121 Whiteford Drive, Pleasant Valley. Filed July 20.

Montano, Carmelo, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $195,000 affecting property located at 27 Prospect St., Brewster 10509. Filed July 12.

Spinelli, Michael, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $225,000 affecting property located at 314 Oak Road West, Mahopac 10541. Filed June 28.

Morgan, Richard, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $336,000 affecting property located at 98 Fairfax Ave., Middletown 10940. Filed Jan. 7.

Styles, Marc, et al. Filed by Lakeview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $107,772 affecting property located at 1379 Berne Road, Wawarsing 12446. Filed July 21.

Muhlrad, Tawnya, Orange County Commissioner of Finance as administrator of the estate of Lorene V. Wreford, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $85,000 affecting property located at 16 Marshall Drive, New Windsor 12553. Filed Jan. 6.

Sunshine, Anthony, et al. Filed by Wells Fargo Bank. Action: seeks to foreclose on a mortgage to secure $155,540 affecting property located at 287 Bullet Hole Road, Mahopac 10541. Filed July 6.

Murray, Timothy, et al. Filed by Household Finance Realty Corporation of New York. Action: seeks to foreclose on a mortgage to secure $236,243 affecting property located in Kent. Filed July 14. Natoli, Louis J., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $322,077 affecting property located at 29 Karlsen Lake Road, Brewster 10509. Filed July 13. Pankey, Karen, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $308,437 affecting property located at 44 Haviland Road, Poughkeepsie 12601. Filed July 15.

Macnary-Dinchuk, Susan, administrator of estate of Joan M. Gray, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $101,507 affecting property located at 240 Millbrook Ave., Hurley 12443. Filed July 20.

Pun, Kwong Y., et al. Filed by Chase Home Finance LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 188 Scotchtown Collabar Road, Middletown 10940. Filed Jan. 6.

McDermott, Claudine, et al. Filed by The Bank Of New York Mellon. Action: seeks to foreclose on a mortgage to secure $772,000 affecting property located at 2 Hillside Trail Carmel, 10541. Filed July 14.

Riggs, Susan, heir to the estate of Herman Riggs, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $190,000 affecting property located at 8 Lumber St., Patterson 12563. Filed July 7.

McNeil, Wainthworth E., et al. Filed by Beneficial Homeowner Service Corp. Action: seeks to foreclose on a mortgage to secure $286,498 affecting property located at 3 Ted Miller Drive, Maybrook 12543. Filed Jan. 7. Miller Gregory P., et al. Filed by Caliber Home Loans Inc. Action: seeks to foreclose on a mortgage to secure $292,000 affecting property located at 30 Bank St, Cold Spring 10516. Filed July 6.

Russo, Corey R., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $369,000 affecting property located at 31 Larkspur Drive, Brewster 10509. Filed June 28. Scullin, Tara, et al. Filed by Deutsche Bank Trust Company Americas. Action: seeks to foreclose on a mortgage to secure $248,000 affecting property located at 10 Veteran Road, Patterson 12563. Filed July 1.

Terrazas, Jose, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $179,200 affecting property located at 276 Temple Hill Road, Unit 207, New Windsor 12553. Filed Jan. 6. Thomas, Heather, et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $130,648 affecting property located at 7 Manhattan Ave., Middletown 10940. Filed Jan. 7. Thompson, Norma I., et al. Filed by Pennymac Loan Services LLC. Action: seeks to foreclose on a mortgage to secure $296,365 affecting property located at 40 Woodside Knolls Drive, Unit 107, Middletown 10940. Filed Jan. 7. Tomasulo, Dominic, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $370,979 affecting property located at 68 Route 6N, Mahopac 10541. Filed July 14. Ulrich, Richard V., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $165,387 affecting property located at 50 Harvard Drive, Carmel 10512. Filed July 14. Waﬀord, Linda L., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $410,405 affecting property located at 40 Lake Spring Drive, Patterson 10509. Filed June 27.

MECHANIC’S LIENS Condo, Mary, as owner. $1,650 as claimed by GLC Waterproofing Inc., Goshen. Property: 1307 Evergreen Court, Highland Mills 10930. Filed July 22.

Keen Equities LLC, as owner. $2,715 as claimed by AARCO Environmental Services Corp., Lindenhurst. Property: 510 Clove Road, Monroe. Filed July 22. Lucky Enough Inc., Croton-onHudson, as owner. Amount: $35,833 as claimed by Murray Engineering PC, New York. Property: 28-30 Hudson River Lane, Garrison 10524. Filed July 1. Obie, William J., et al, Wallkill, as owner. $6,929 as claimed by Emmico Inc., Middletown. Property: 32 Dudley Lane, Howells 10932. Filed July 19. Riddhi Ellenville LLC, as owner. $7,666 as claimed by Ellenville Sand and Gravel, Ellenville. Property: 106 S. Main St., Ellenville 12428. Filed July 18. Robohn, Mary, as owner $62,046 as claimed by Victory Petroleum Inc., Mahopac. Property: in Carmel. Filed June 27. T and G Associates LLC, Poughkeepsie, as owner. $21,265 as claimed by Christopher McLeroy, Poughkeepsie. Property: 63 Pickerel Road, Chester 10959. Filed July 21.

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

Partnerships Creative Nephew, 40 Murray Drive, Chester 10918, c/o Christopher Drag and Anthony D’Antonio. Filed June 23. Glamping at Woodstock Meadows, 334 Yerry Hill Road, Woodstock 12498, c/o Peter F. Cross and Laurel A. Herdman. Filed July 21. Mercy Shore, 77 Greeves Road, New Hampton 10958, c/o Adam Land and Melanie Disa. Filed June 25. Windsor Counseling West, 682 E. Main St., Middletown, c/o Anne E. Caldwell and Victoria A. Caruso. Filed July 2.

Sole Proprietorships AA Heating and Cooling of The Hudson Valley, 165 Lattintown Road, No. 43, Newburgh 12550, c/o Armando Aguilar. Filed June 30.

Anderson Kill, 512 Liberty St., Newburgh 12550, c/o Delondre Rickett. Filed June 30. Anthony’s Barbershop and Unisex, 101 Mohegan Ave., Middletown, c/o Hector Ortiz. Filed June 24. AS Renovation, 26 Summit Ave., Apt. 4, Harriman 10926, c/o Adrian Sobala. Filed June 23. Astrolo�y with Stephanie, 375 Main St., Rosendale 12472, c/o Stephanie Regner. Filed July 20. B. Vos, 4 Blue Mountain Road, Saugerties 12477, c/o Benta Vos. Filed July 20. Bedrock Movies Under the Stars, 40 Park Drive, Warwick 10990, c/o Chad Michael Broeckel. Filed June 30. Brendan Painting and Decorations, 512 Liberty St., Newburgh 12550, c/o Delondre Rickett. Filed June 23. Cheyenne Mallo Pottery, 736 Binnewater Lane, Kingston 12401, c/o Cheyenne Nicole Mallo. Filed July 21. Clerestory Pictures, 272 Washington Ave., Kingston 12401, c/o Michael J. Montella Jr. Filed July 22. Collaborative Solutions for Educational Innovation, P.O. Box 3383, Kingston 12402, c/o Marystephanie Corsones, Filed July 22. Eagles Landscape and Home Improvement, 701 Sawkill Road, Lot 53, Kingston 12401, c/o Ever E. Martinez. Filed July 21. Echad Jewels, 105 Lake Road, Salisbury Mills 12577, c/o Hermenegildo C. Sanchez Jr. Filed June 26. Empty Inkwell, 32 Faculty Road, Cornwall-on-Hudson, c/o Louis Dellaperuta Jr. Filed July 1. H.M. Cater India Restaurant, 81 Center St., Ellenville 12428, c/o Mohi Uddin Khan. Filed July 22. Hudson Valley Biosoil, 6 Kellogs Little Acres, Accord 12404, c/o Charles Edward Blumstein. Filed July 18. Hudson Valley Handmade Soaps, 41 Old Kings Highway, Lake Katrine 12449, c/o Christine Rita Harris. Filed July 20. I and N Masonry, 127 Linden Ave., Middletown, c/o Neftaly I. Paez Hernandez. Filed June 29. JA Construction Development, 22 New St., Florida, c/o Giovanni Aiosa. Filed June 23. JLB Research, 12 Sharon Drive, Highland 12528, c/o Jamie Lynne Bishop. Filed July 20.

Khan Indian Diner and Halal Foods Supplier, 81 Center St., Ellenville 12428, c/o Mohi Uddin Khan. Filed July 21. Kingston Writer’s Studio, 288 Wall St., No. 2, Kingston 12401, c/o Sari Rachel Botton. Filed July 21. Lilac and Poly, 154 N. Fostertown Drive, Newburgh 12550, c/o Lisa Ann Rappa. Filed July 1. Linda Keil, 500 Hallihans Hill Road, Kingston 12401, c/o Linda Ladean Keil. Filed July 22. Loveable Couture, 23 Maplewood Road, highland Mills, c/o Casie E. Grasso. Filed June 29. Munson Excavating and Construction, 120 N. Beacon St., Middletown, c/o Kyle C. Gesztesi. Filed June 26. Nirvana FC, 306 Y St., New Windsor 12553, c/o Jennifer Catherine Czumak. Filed June 24. Omega Concepts, 16 Bivona Lane, New Windsor 12553, c/o Christopher Nicholson. Filed June 23. Palace of Gold, 18 Windsor Square Drive, New Windsor, c/o Luz Mercado. Filed June 29. Practical to Whimsical, 14 Mount William St., P.O. Box 406, Port Jervis, c/o Kimberly Ann Howell. Filed July 2. R Stanley Asphalt, 138 Dolson Ave., Middletown, c/o Richard J. Stanley. Filed July 1. R Stanley Blacktop, 138 Dolson Ave., Middletown, c/o Richard J. Stanley. Filed July 1. R Stanley Paving, 138 Dolson Ave., Middletown, c/o Richard J. Stanley. Filed July 1. Rapid Funds, 185 Linden Ave., Middletown 10940, c/o Anthony Florestal. Filed June 23. Ready Fresh Carpet Cleaning, 262 Long Lane, Bloomingburg, c/o Joseph Caruso. Filed July 2. Reynolds Retail, 56 Country Club Drive, Mount Marion 12456, c/o Jessica Lynn-Daw Reynolds. Filed July 18. RosenSpace, 402 Main St., Rosendale 12472, c/o Stephanie Regner. Filed July 20. S. Allison Textiles, 21 Fichville Turnpike, Middletown, c/o Alexandra Tangredi. Filed June 29. Stanley Asphalt, 138 Dolson Ave., Middletown, c/o Richard J. Stanley. Filed July 1. Stanley Blacktop, 138 Dolson Ave., Middletown, c/o Richard J. Stanley. Filed July 1.

WCBJ

AUGUST 1, 2016

LEGAL NOTICES 507 Management LLC, a domestic LLC, filed with the SSNY on 6/9/16. Office location: Westchester. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Edouard Valla, 507 The Pkwy., Mamaroneck, NY 10543. General purpose. #60643

Tersa Technologies LLC, a domestic LLC, filed with the SSNY on 6/23/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 24 Orchard Dr., Ossining, NY 10562. General purpose. #60648

Notice of Formation of Klosek Behavioral Health LLC. Art. of Org. filed with the SSNY on 02/04/16. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 7 Deer Run Court, North Salem NY 10560. Purpose: any lawful purpose #60644

White Sheet LLC, a domestic LLC, filed with the SSNY on 3/17/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Alex C., 22 Kensington St., Thornwood, NY 10594. General purpose. #60649

Notice of Formation of Limited Liability Company (LLC). NAME: KAMALA ASSOCIATE, LLC. Articles of Organization filed with Secretary of State of New York (SSNY) on 6/6/2016. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: KAMALA ASSOCIATE, LLC, 6 Clifton Ln, White Plains, NY 10605. Purpose: Any lawful purpose. #60645 Greendale Management LLC Arts. of Org. filed w/ SSNY 6/21/16. Off. in Westchester Co. SSNY desig. as agt. of LLC whom process may be served. SSNY shall mail process to the LLC, 198 Brewster Road, Scarsdale, NY 10583. Purpose: any lawful activity. #60646 Notice of Formation of C. OíCONNOR LCSW, PLLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 5/20/16. Office location: Westchester County. SSNY designated as agent of PLLC upon whom process against it may be served. SSNY shall mail process to: Carrie OíConnor, 10 Oakridge Place, 3B, Eastchester, NY 10709. Purpose: any lawful act or activity. #60647 Samara.AI LLC, Art. of Org. filed with NY Secy. of State on 06/02/16. Office 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 at 4 Martine Ave, #1217, White Plains, NY 10606. Purpose: any lawful purpose. Ad # 60696

AUGUST 1, 2016

Notice of Formation of Gunnison FundingCo, LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 6/24/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: United Corporate Services, Inc., 10 Bank St., Ste. 560, White Plains, NY 10606. Purpose: any lawful activity. #60650 Notice of Formation of Lockwood Enterprises, LLC Art. Of Org. filed with SSNY on 06/10/2016. Offc. Loc: Westchester Cty. Henry Valencia desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 175 Huguenot Street, New Rochelle, NY 10801. Purpose: any lawful purpose. #60651 Olysiramericas, LLC. Art. of Org. filed w/ SSNY 5/4/16. Office in Westchester Co. SSNY designated for service of process and shall mail to Reg. Agent: U.S. Corp. Agents, Inc, 7014 13th Ave. Ste. 202, Brooklyn, NY 11228. Purpose: Any lawful activity #60653 Generation: Next, LLC, a domestic LLC, filed with the SSNY on 6/16/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Richard Formoso, 575 Bronx River Rd., Yonkers, NY 10704. General purpose. #60654

NOTICE OF FILING ARTICLES OF ORGANIZATION: Michelle Blum Photography LLC; Filed 6/2/16. New York office, principal address and address for process: 155 Post Office Road, South Salem, NY 10590. Secretary of State designated agent for service of process. Dissolution date 12/31/2065. Authorized to conduct any lawful act or activity for which limited liability companies may be organized under the Limited Liability Company Law. #60655 Notice of Formation of Lisi Development LLC , a domestic LLC. Art. Of Org. filed with SSNY on 06/29/2016 Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to: The LLC, 185 Kisco Avenue, Ste 604, Mount Kisco, NY 10549. Purpose: Any Lawful Purpose. #60656 145-147 East 62nd Street Holding LLC. Filed 6/16/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St #204, White Plains, NY 10601 Purpose: all lawful #60657 145-147 East 62nd Street Associates LLC. Filed 6/16/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St #204, White Plains, NY 10601 Purpose: all lawful #60658 450 West LLC. Filed 6/1/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 517 W 113th St #33, NY, NY 10025 Purpose: all lawful #60659 Bogart Hotel Management LLC. Filed 6/3/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 560 Saw Mill Rvr Rd, Ardsley, NY 10502 Purpose: all lawful #60660 Building & Design Brokerage LLC. Filed 6/9/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 3 Barker Ave 6th Fl, White Plains, NY 10601 Purpose: all lawful #60661 Bekos Realty LLC. Filed 6/10/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 25 Wolffe St, Yonkers, NY 10705 Purpose: all lawful #60662

WCBJ

Bluestone Equity Partners LLC. Filed 6/13/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 437 Madison Ave, NY, NY 10022 Purpose: all lawful #60663 3 Sandpiper Court Holding LLC. Filed 6/7/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St #204, White Plains, NY 10601 Purpose: all lawful #60664 Saturn Equity Partners LLC. Filed 6/7/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St #204, White Plains, NY 10601 Purpose: all lawful #60665 Bluestone Sandpiper LLC. Filed 6/13/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St #204, White Plains, NY 10601 Purpose: all lawful #60666 Bluestone Little Neck LLC. Filed 6/13/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St #204, White Plains, NY 10601 Purpose: all lawful #60667 69 Little Neck Road Holding LLC. Filed 6/13/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St #204, White Plains, NY 10601 Purpose: all lawful #60668 Bluestone 145-147 LLC. Filed 6/16/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St #204, White Plains, NY 10601 Purpose: all lawful #60669 Right Mind Concepts 1 LLC. Filed 6/20/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 17 Denison Dr E, Saddle Rvr, NJ 07458 Purpose: all lawful #60670 Notice of Formation of Print Lime LLC, a domestic LLC. Articles of Organization filed with the Secy of State of NY (SSNY) on 03/25/16. Office location: Westchester County. SSNY designated as agent upon whom process may be served. SSNY shall mail a copy of any process to Danielle Buckhardt, Esq., Warshaw Burstein, LLP, 555 Fifth Ave., NY, NY 10017. Purpose: Any lawful activity. Ad # 60697

Notice of Formation of CHATEAUX ASSOCIATES, LLC. Articles of Organization were filed with the Secretary of State of NY (SSNY) on June 28, 2016, with a formation date of June 28, 2016. Office location: Westchester County. Secretary of State designated as agent of LLC upon whom process against it may be served. Secretary of State shall mail process to the principal business address of the LLC: 2121 Croton Lake Road, Katonah, New York, 10536. Purpose: engage in consulting services relative to distribution by companies, as well as any lawful act or activity within the purposes for organization pursuant to the Limited Liability Company Law. #60671 Notice of Formation of BEDFORD HILLS TAILOR & CLEANING LLC, a domestic limited liability company (LLC). Articles of Organization filed with the Secretary of State of NY (SSNY) on 06/30/2016. Office location: 1 Babbitt Rd, Bedford Hills, NY 10507. SSNY is designed as agent upon whom process against the LLC may be served. SSNY shall mail a copy of any process served against the LLC to c/o the LLC, 1 Babbitt Rd, Bedford Hills, NY 10507. Purpose: dry cleaning, and any other purpose. #60672 Mayne Projects LLC, a domestic LLC, filed with the SSNY on 6/29/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Kathleen Mayne, 6 Branch Brook Rd., White Plains, NY 10605. General purpose. #60673 NOTICE OF FORMATION OF Arco Felice LLC. Articles of Organization filed with the Secretary of State of NY (SSNY) on 2/25/16. Office location:WESTCHESTER County. SSNY has been designated as agent upon whom process against it may be served. The Post Office address to which the SSNY shall mail a copy of any process against the LLC served upon him/her is: Elisabeth Solimeo, 210 North Street, Harrison, NY 10528 The principal business address of the LLC is: 210 North Street, Harrison, NY 10528 Purpose: any lawful act or activity #60674

NOTICE OF FORMATION OF CENTERLINE STAFFING, LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 06/24/2016. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: 405 Tarrytown Rd, #1012, White Plains, NY 10607, principal business location of the LLC. Purpose: any lawful business activity. #60675 Notice of Formation of Painted Paw Productions , LLC Art. Of Org. filed with SSNY on 04/06/2016. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 405 Tarrytown Road # 1170, White Plains, NY 10607. Purpose: any lawful purpose #60676 DETAIL HOME INSPECTION, LLC Art. Of Org. filed with SSNY on 07/12/2016. Offc. Loc: 19 Lee Avenue,Scarsdale, NY 10583 Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, DETAIL HOME INSPECTION, LLC 19 Lee Avenue, Scarsdale, NY 10583 Purpose: Home Inspections #60677 SUPERIOR LIFEGUARD TRAINING, LLC. Date of filing Articles of Organization with the Secretary of State (SSNY) 5/23/16. The LLC is located in Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The post office address to which the SSNY shall mail a copy of any process against it served is to the principal business location at c/o 140 New St., Apt. 2312, Mamaroneck, NY 10543 Purpose of business of LLC is any lawful act or activity #60678 Notice of Formation of TKT Partners, LLC Art. Of Org. filed with SSNY on 1/12/16. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 11 High Road Bronxville NY 10708. Purpose: any lawful purpose #60679

Notice of Formation of Photography By Stephen J. Mihalchik, LLC Arts of Org. filed with New York Secy of State ( SSNY) on 1/27/16. Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: The LLC, 1243 California Road, Eastchester, NY 10709. Purpose: any lawful activity. #60680 Notice of Formation of Natrut LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 7/7/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 2 Shinnecock Way, New Rochelle, NY 10804. Purpose: any lawful activity. #60681 Notice is hereby given that an on-premise license, #TBA has been applied for by 67 Purchase Street LLC d/b/a Village Social Kitchen and Bar to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 67 Purchase Street Rye NY 10580. #60682 Notice of Formation of Amy’s General Store, LLC Art. of Org. filed with SSNY on July 5, 2016. United States Corporation Agents, Inc desig. as agent of the LLC upon whom process against it may be served. United States Corporation Agents shall mail the process to the LLC, 15Q Springvale Rd., Croton on Hudson, NY 10520. Purpose: any lawful purpose. #60683 Notice of formation of ExCite Advisors, LLC. Articles of Organization filed with the Secretary of State of New York SSNY on 7/8/2016. Office location in Westchester county. SSNY has been designated for service of process. SSNY shall mail copy of any process served against the LLC to 10A Cooper Road, Scarsdale, NY 10583. Purpose: any lawful purpose. #60684 JP III Electric LLC , Arts. of Org. filed with SSNY on 5/26/16. Office location: Westchester County. SSNY designated as agent upon whom process against it may be served. SSNY shall mail process to: 498 Sierra Vista Lane, Valley Cottage, NY 10989. Purpose: all lawful activity. #60685

LEGAL NOTICES Complexions Dance Academy, LLC. Art. of Org. filed w/ SSNY 7/13/16. Office in Westchester Co. SSNY designated for service of process and shall mail to: The LLC, 22 Wilson Dr, New Rochelle, NY 10801. Purpose: Any lawful activity #60686 592B Heritage Hills, LLC, a domestic LLC, filed with the SSNY on 6/21/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Fair, Fitzgerald & Hershaft, P.C., 110 Corporate Park Dr., White Plains, NY 10604. General purpose. #60687 AE Peconic Holding, LLC, a domestic LLC, filed with the SSNY on 7/18/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 360 E. 55th St., 9C, NY, NY 10022. General purpose. #60688

Ardcon Construction LLC, a domestic LLC, filed with the SSNY on 7/14/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 19 Delano Ave., Yonkers, NY 10704. General purpose. #60689 Notice of formation of Limited Liability Company. Name: Hastings Garage, LLC (ìLLCî). Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on February 11, 2002. NY 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 Seltzer Sussman & Habermann LLP, 100 Jericho Quadrangle, Jericho, New York 11753. Purpose/character of LLC is to engage in any lawful act or activity. #60690

LEGAL NOTICE OF FORMATION OF A LIMITED LIABILITY COMPANY (ìLLCî) Bilingual Language Assessment Services, LLC Articles of Organization filed with the Secretary of State of New York (SSNY) on 3/29/16. 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 served to: The LLCís business location at 732 Palisade Avenue.Yonkers, NY 10703. Purpose: any lawful act. #60691 Notice of Formation of Greenacres Capital Management LLC. Art. Of Org. filed with SSNY on 5/31/2016. 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 process to 146 Brite Ave, Scarsdale, NY. The principal business address of the LLC is: 44 Montrose Rd, Scarsdale, NY 10583. Purpose: any lawful purpose. #60692

TRD Brothers LLC, Art. of Org. filed with NY Secy. of State on 4/28/16. 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: 154 Calhoun Avenue, New Rochelle, NY 10801 (the LLC’s primary business location). LLC may engage in any lawful act or activity for which a limited liability company may be formed #60693 Notice of Formation of Jennifer Brooks Design LLC. Art. of Org. filed with SSNY on 7/1/16. Location: Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 12 Kolbert Drive, Scarsdale, NY 10583. Purpose: any lawful purpose. #60694

Notice of Formation of 971 FENIMORE LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 6/23/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 3 Maple Avenue, Larchmont, NY 10538. Purpose: any lawful act or activity. #60699 LEGAL NOTICE Jacqueline Ripepi, LCSW, PLLC, has filed articles of organization with the Secretary of State of NYS on 07/22/2016. The offices of this company are located in Westchester County, NY. The Secretary of State has been designated as agent of the limited liability company upon whom process against it may be served. The address to which the Secretary of State shall mail a copy of any process against the limited liability company served upon him or her is 460 York Court, Yorktown Heights, NY 10598. The company is organized to conduct any lawful business for which limited liability companies may be organized. #60700

Alan T. Zimbard, MD PLLC, a domestic PLLC, Arts. of Org. filed with the SSNY on 7/14/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the PLLC may be served. SSNY shall mail process to Alan T. Zimbard, MD, 91 Penn Rd., Scarsdale, NY 10583. Purpose: Medicine. #60701

Notice of Application for Authority to do business in New York of 5C Capital Management, LLC (ìLLCî). Application for Authority filed with the Secretary of State (ìSSNYî) 7/19/2016. The LLC formed in Delaware (ìDEî) on 5/10/2016. Office location is 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 such process to the LLC c/o Craig R. Marson, 25 Wampus Avenue, Armonk, NY 10504. Office address in DE is c/o National Corporate Research, Ltd., 850 New Burton Road, Suite 201, Dover, DE 19904. Copies of Certificate of Organization of LLC are on file and may be obtained from the Secretary of State of DE, Division of Corporations, P.O. Box 898, Dover, DE 19903. Purpose of business of LLC is any lawful act or activity. #60704

Aylan Analytics LLC, Art. of Org. filed with NY Secy. of State on 07/13/16. Office 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 at 4 Martine Ave, #1217, White Plains, NY 10606. Purpose: any lawful purpose. #60702 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY. NAME: NEW ROCHELLE HYUNDAI, LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on July 19, 2016. Office Location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to the LLC, Steven Daiagi 15930 Boeing Court, Wellington, FL 33414. Purpose: For any lawful purpose. #60703

Notice of Formation of XTREMEIE, LLC Art. Of Org. filed with SSNY on 04/06/2016. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to C/O United States Corporation Agents Inc. 7014 13th AVE. STE. 202 BKLYN., NY 11228. Purpose: any lawful purpose. #60705

TO SUBSCRIBE, PLEASE CALL (914) 694-3600, EXT. 3020 OR FILL OUT THE FORM BELOW.

SIGN ME UP FOR A 1-YEAR SUBSCRIPTION (52 ISSUES) — $60 Name

Check enclosed

Title

Charge my:

Company

Account #:

Address

Exp. date:

City

St.

Phone

Fax

Zip

Visa

Bill me MasterCard

Amex

Discover

Security Code:

MAIL TO:

Westfair Communications Inc.

Email address

3 Westchester Park Drive. Suite G7

*Signature

White Plains, NY 10604

* Signature required

WCBJ

AUGUST 1, 2016

LEGAL NOTICES SUPPLEMENTAL SUMMONS Index No. 50435/2016 Filed: 07/05/2016

The relief sought in the within action is a final judgment directing the sale of the premises described above to satisfy the debt secured by the Mortgage described above. NOTICE

Plaintiff designates Westchester County as the place of trial. Venue is based upon the County in which the Mortgage premises is situated. SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF WESTCHESTER

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.

Nationstar Mortgage Company LLC dba Champion Mortgage Company

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.

Plaintiff,

Sending a payment to your Mortgage company will not stop this foreclosure action. YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE

- against Public Administrator of Westchester County, as Administrator of the Estate of Nancy A. Boyle a/k/a Nancy Boyle, Nancy Bradshaw, as Heir to the Estate of Nancy A. Boyle a/k/a Nancy Boyle, Kathleen Johnstone, as Heir to the Estate of Nancy A. Boyle a/k/a Nancy Boyle, if living and if Kathleen Johnstone be dead, any and all persons who are spouses, widows, grantees, mortgagees, lienor, heirs, devisees, distributees, or successors in interest of such of the above as may be dead, and their spouses, heirs, devisees, distributees and successors in interest, all of whom and whose names and places of residences are unknown to Plaintiff, United States of America, New York State Department of Taxation and Finance, Secretary of Housing and Urban Development, The Board of Managers of Westchester Hills Condominium Corporation,

ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. Dated: Williamsville, New York May 3, 2016 ∑ By: Stephen J. Wallace, Esq. Frenkel, Lambert, Weiss, Weisman & Gordon, LLP Attorneys for Plaintiff

Defendants. TO THE ABOVE NAMED DEFENDANT(S): YOU ARE HEREBY SUMMONED to answer the Complaint in this action and to serve a copy of your Answer or, if the Complaint is not served with this Summons, to serve a Notice of Appearance on the attorneys for the plaintiff within twenty (20) days after service of this Summons, exclusive of the day of service (or within thirty (30) days after service is complete if this Summons is not personally delivered to you within the State of New York). In case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the Complaint. NOTICE OF NATURE OF ACTION AND RELIEF SOUGHT THE OBJECT of the above captioned action is to foreclose a reverse Mortgage to secure up to the principal sum of $435,000.00 and interest, recorded in the Office of the Clerk of the County of WESTCHESTER on January 8, 2008, in Control No. 480020251, covering premises known as 814 Old Country Road, Elmsford, NY 10523.

PUBLIC NOTICE

53 Gibson Street Bay Shore, New York 11706 (631) 969-3100 Our File No.:01-060883-F00 TO: Kathleen Johnstone, as Heir to the Estate of Nancy A. Boyle a/k/a Nancy Boyle United States of America The Board of Managers of Westchester Hills Condominium Corporation #60695 Samara.AI LLC, Art. of Org. filed with NY Secy. of State on 06/02/16. Office 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 at 4 Martine Ave, #1217, White Plains, NY 10606. Purpose: any lawful purpose #60696 Notice of Formation of Print Lime LLC, a domestic LLC. Articles of Organization filed with the Secy of State of NY (SSNY) on 03/25/16. Office location: Westchester County. SSNY designated as agent upon whom process may be served. SSNY shall mail a copy of any process to Danielle Buckhardt, Esq., Warshaw Burstein, LLP, 555 Fifth Ave., NY, NY 10017. Purpose: Any lawful activity. #60695

IN REM FORECLOSURE TAX AUCTION

PLEASE TAKE FURTHER NOTICE that persons seeking to qualify as bidders in the said public auction must submit a bank or certified check in the amount of $2,500 and execute a copy of the Conditions of Sale prior to the auction.

PLEASE TAKE NOTICE that the Town of Ossining will hold a public auction of real property acquired in tax foreclosure on August 10, 2016 beginning at 1 P.M., at the Ossining Village/Town Municipal Building Board Meeting Room, First Floor, 16 Croton Avenue, Ossining, New York.

PLEASE TAKE FURTHER NOTICE that applications for Qualified Bidder status and the accompanying checks, must be delivered in person to the Tax Receiver, 16 Croton Avenue (3rd floor), Ossining, New York 10562 where additional information concerning the auction will be available.

The properties to be sold to the highest Qualified Bidders at that time consist of six properties located as follows:

PLEASE TAKE FURTHER NOTICE that the properties are being sold ìas isî and the Town makes no representations or warranties with respect to the condition of the properties or structures, the title acquired by the Town of Ossining in foreclosure, the conditions or restrictions which may apply with respect to use of the property, or otherwise.

1.House and Property at 35 Yale Avenue, Tax I.D. # 89.15-2-59, Minimum Bid- $46,000 2.House and Property at 18 Sarah Street, Tax I.D. # 89.15-4-50,

PLEASE TAKE FURTHER NOTICE that information on these properties is available on the Town’s website www.townofossining.com.

Minimum Bid- $31,000 3.House and Property at 27 Secor Road, Tax I.D. # 97.7-1-41,

Dated: Ossining, New York July 1, 2016

Minimum Bid- $74,000 4.Property at Hunter Street, Tax I.D. # 97.7-2-70, Gloria B. Fried

Minimum Bid- $18,000

Enforcement Officer for Delinquent Taxes #60698

AUGUST 1, 2016

WCBJ

DiVERSiTY I N

B U S I N E S S

THE INAUGURAL AND REGIONAL COMPETITION AND AWARDS PROGRAM

Many cultures, one business community.

Be part of this cultural diversity celebration â&#x20AC;&#x201D; Nominate!* 50 people will be chosen from those nominated to be profiled in a special section to be published Dec. 19.

From late December through January, readers will then have an opportunity to select 5 of the 50 to be awarded in the categories of Pace Setter, Most Socially Conscious, Most Promising Millennial, Outstanding Entrepreneur and Visionary.

Nominate at: westfaironline.com/celebratingdiversity * Nominees must live or work in Westchester or Fairfield counties. Deadline for nominations: Oct. 5, 2016

These will be awarded at an event in March.

WESTCHESTER & FAIRFIELD COUNTY

BUSINESS JOURNALS WCBJ

AUGUST 1, 2016

Peter Manning FOUNDER PETER MANNING NYC

An idea that measures up. Understanding what’s important. Peter Manning came to M&T Bank with little more than a concept for his business. But it was a big one – a clothing line for men 5'8" and under. We understood his vision and customized a plan to get his dream off the ground. And today, this idea is thriving. Our eagerness to help businesses like Peter Manning is why M&T is a leading SBA lender1 in the country and why we’ve been recognized by Greenwich Associates for excellence in small business banking.2 To learn how M&T can help your business, visit mtb.com/businessbanking.

LENDING SOLUTIONS | MERCHANT SERVICES | TREASURY MANAGEMENT | DEPOSITORY SERVICES Equal Housing Lender. According to statistics released by the U.S. Small Business Administration (SBA) for total approved loans through the SBA’s 7(a) lending program during the federal fiscal year ending 9/30/2015. Based on the 2015 Greenwich Excellence Awards in Small Business Banking. ©2016 M&T Bank. Member FDIC.

1 2

12794_’16 Hudson City Success Stories Print – Peter Manning / 10 in. x 11.5 in