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banks blamed for foreclosure surGe

CRYSTAL KAMG

INSIDE

September 30, 2013 | VOL. 49, No. 39

ROLLING ALONG • 13

BY JOHN GOLDEN jgolden@westfairinc.com

recent Cooper Union graduate Torey Thornton’s art pieces inside her van at the Riverfront Green Park in Peekskill, overlooking the Hudson River. The Brooklyn-based artist brought collages made from cat hair mounted on wooden panels and created pieces using acrylic and spray paints.

oreclosure filings by home mortgage lenders have risen dramatically this year in Westchester County. The 1,910 court filings through August against borrowers in default represent a 62 percent increase from that same period last year. Foreclosure judgments that awarded properties to lenders rose 44 percent for the same period. Residential brokers and attorneys in Westchester who represent homeowners struggling or unable to meet their mortgage payments said they expect the surge of foreclosure actions to continue for at least two years. Most point to uncooperative bank lenders as the cause. “The jump in the foreclosures is not surprising to me,” said Julie A. Curley, an attorney in White Plains who represents debtors in bankruptcy, foreclosure and mortgage defense and mortgage loan modifications. “Last year and even leading up to last year, we had the increase in mortgage modifications.” That was largely driven by the new federal Home Affordable Modification Program (HAMP) and the National Mortgage Settlement, in which the country’s five largest mortgage servicers agreed to a $25 billion settlement, $20 billion of which was to be used for direct mortgage relief and refinancings for homeowners. Yet banks that were required to work out mortgage reductions with qualifying homeowners “seemed very reluctant to do that,” said Curley, a partner at DelBello Donnellan Weingarten Wise

Artist, page 6

Foreclosure, page 6

SPECIAL CARE • 23

NEWS NOON @

Yorktown artist takes her gallery for a spin BY CRYSTAL KANG ckang@westfairinc.com

wheN YorKtowN artist Elise Graham puts together her art exhibits, she’s not looking to set up shop inside a museum or gallery. Instead, she creates her own space inside a retrofitted 12-foot step van, serving as a mobile art gallery. She takes Rodi Gallery, a 2006 Ford Utilimaster van, to the burgeoning art districts throughout the Hudson Valley. There, she presents the works of undiscovered artists. Two weekends ago, Graham, 56, showcased

inaugural cfo of the Year awards to honor three BY JENNIFER BISSELL jbissell@westfairinc.com

inancial officers may have the least glamorous job description, but their role has increasingly become the most important in any company. They oversee budgets, forecast financials, manage cash flows and coordinate much dreaded audits and reviews. They’re the keeper of spreadsheets. They’re the bearer of bad as well as good news. They are the first to know when things are looking up. To recognize Westchester County’s best, Westfair Communications is hosting, with TD Bank and McGladrey, the first CFO of the Year Awards Oct. 3 at Mapleton at Good Counsel, 52 N. Broadway, White Plains. From a pool of 11 nominees with had been vetted, judges will announce three winners representing small, medium and large companies. Sponsors of the event are McGladrey, TD Bank and the Westchester County Business Journal.

and the nominees are: Marshall asche is CFO at St. Christopher’s Inc. in Dobbs Ferry. Asche has been credited with modernizing the agency’s fiscal control and reporting systems since starting in 2003. The Council on Accreditation rated the Finance Department last year as the best of the 11 major areas covered by the review. In an audit by the state Office of Children and Family Services, the agency’s fiscal management practices were cited “as the strength of the agency.” Prior to St. Christopher’s, Asche was a partner at an international CPA firm. susan bartow is the CFO and director of human resources at School Choice International in White Plains. Since coming to the school placement and edu-

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Biz

September 30, 2013 • WCBJ

cational consultancy more than six years ago, Bartow has been credited with transforming its financial operations. In the past year the organization completed the acquisition of another company and opened two additional regional offices including one in Hong Kong. She is a certified public accountant and received her undergraduate degree from Yale University and an MBA in accounting from New York University – Stern School of Business. tammy belanger is the vice president and CFO for Caramoor Center for Music and the Arts in Katonah. Belanger began working at Caramoor as an intern and became managing director while earning a B.A. degree in music management from Manhattanville College. Over the next several years she learned the operation from the ground up while obtaining an MBA with a concentration in accounting from the University of Phoenix. Shortly after completing her studies, she was promoted to the head of the finance department. Originally from Maine, Belanger and her two children, Justin and Jessica, reside in Carmel. Jim bremner is the CFO for VARTA Microbattery Inc. in Rye. VARTA develops and designs batteries used in a broad spectrum of applications. His career began as a CPA with Arthur Andersen L.L.P. in New York City, followed by working at Marc Jacobs Inc., part of the LVMH group. He serves on the board of directors for Call2Recycle, the battery industry recycling initiative and has served on the board of the Portable Rechargeable Battery Association. Bremner earned a Bachelor of Science degree in accounting from the University of Richmond. He lives in Connecticut with his wife and three children.

Main office telephone ........ (914) 694-3600 Newsroom fax ........................ (914) 694-3680 Sales fax .................................... (914) 694-3699 Research fax ............................ (914) 694-3682 Editorial e-mail:..........bobr@westfairinc.com Or write to: 3 Gannett Drive, Suite G7 White Plains, N.Y. 10604-3407 Publisher Dee DelBello Managing Editor Bob Rozycki Westchester County Bureau Chief John Golden Administrative Manager • Alissa Frey

gabriele giudici is CFO of Heineken USA in White Plains. During his tenure, he has been credited with improving control and effectiveness of key financial processes and established a revenue management team to further drive top line growth for the company. In his prior assignment as finance director of the Caribbean and Central America markets, he restructured the export office footprint to double financial results. Prior to working at Heineken, Giudici was a sales manager at HBI Telematica. He holds an International Executive Master of Finance and Control degree from the University of Maastricht, the Netherlands, in addition to a degree in business economics from the University of Genoa, Italy.

NEWS Digital Editor • Mark Lungariello Reporters • Jennifer Bissell • Crystal Kang Andrea Kennedy • Mary Shustack Research Reporter • Elizabeth Beneke PRODUCTION Senior Art Director • Caitlin Nurge Harrison Art Director • Dan Viteri ADVERTISING SALES Manager • Anne Jordan Metro Sales Director • Barbara Hanlon Account Managers Missy Rose • Corinne Stanton • Patrice Sullivan Events Sales & Development • Marcia Pflug

Murray a. goldberg is the senior vice president of administration at Regeneron Pharmaceuticals in Elmsford. He had been CFO for 18 years until his promotion Oct. 1. In addition to being CFO, Goldberg was vice president, finance and administration, and treasurer of Regeneron since March 1995. Prior to joining Regeneron, he was vice president of finance, treasurer and CFO of PharmaGenics Inc. from February 1991 and a director of that company from May 1991. Goldberg received his MBA from the University of Chicago and a Master of Science in Economics from the London School of Economics. christopher Jones is a co-founder and CFO of Durante Rentals. The construction equipment rental business was founded four years ago, and together with his two partners John and Anthony Durante, it now has locations in the Bronx, Westchester and Queens. After graduating from The College of New Jersey, Jones started Progressive Solutions Inc., which provided outsourced accounting services. As his company grew he moved to New York City and worked with startup technology and new media companies as a part-time CFO where he raised several million dollars in venture capital for early stage

AUDIENCE DEVELOPMENT & CIRCULATION Events Manager • Holly DeBartolo Circulation & Office Manager • Sylvia Sikoutris Circulation Representative • Marcia Rudy ADMINISTRATION Contracted CFO Services • Adornetto & Company L.L.C. Human Resources & Payroll Services • APS PAYROLL Programs & Projects Coordinator • Beverly Visosky

CFO, page 17

Westchester County Business Journal (USPS# 7100) is published Weekly, 52 times a year by Westfair Communications, Inc., 3 Gannett 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 Gannett 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. © 2013 Westfair Communications Inc. All rights reserved. Reproduction in whole or in part without written permission is prohibited.

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welcome to the winners circle

he Westchester County Business Journal is introducing a biweekly feature called Winners Circle that will take a look at the top women business executives and top attorneys, men and women, in the region. The articles will delve into the successes of those who have made significant impact in their respective business spheres.

Was there a strategy for advancement or was it hard work and sheer determination and maybe a bit of luck that propelled them to the top of their game? What does it take to argue a case and win the verdict? Find out in the Winners Circle. If you are a candidate or have a candidate to be profiled, please contact John Golden at jgolden@westfairinc.com

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WCBJ • September 30, 2013

JOBS

Grocers, union wrestle over Obamacare

The impact of Obamacare on employers’ group health plans is being felt in contract negotiations affecting union workers at Stop & Shop supermarkets in Westchester County and the Hudson Valley region. Leaders of United Food and Commercial Workers Union Local 1500, the state’s largest grocery workers union, last week said they and representatives of The Stop and Shop Supermarket Co. L.L.C. and King Kullen Supermarkets, a Long Island chain, have agreed to continue collective bargaining beyond the Sept. 28 expiration date for the union’s contract. The union in a press release said an extension of the existing contract until Oct. 12 was “due to the challenges the Affordable Care Act has presented during the ongoing discussions.” Bruce W. Both, president of UFCW Local 1500, said the extension will protect more than 10,000 local members employed by the two grocery companies while negotiations continue over changes to their health and welfare plan that are required by the 2010 health care reform legislation.

“This 22,000-page federal health care mandate comes with serious cost increases to health care plans and it is the union’s priority to ensure that our members continue to receive the most comprehensive and affordable health care available,” Both said. He noted that other companies such as Trader Joe’s and Walgreens “are simply sending thousands of low-wage workers to new state health care exchanges without understanding the cost implications to their employees.” “We will not allow the ACA to be used to undermine the excellent union contracts our members have fought for and earned over many years,” the union president added. United Food and Commercial Workers Union Local 1500 represents grocery workers in Westchester, Putnam and Dutchess counties, New York City and Long Island. In Westchester, union members are employed at Stop & Shop, Pathmark, Gristedes, Fairway, D’Agostino and ShopRite stores.

Seafood restaurant closing to leave 41 jobless

Legal Sea Foods L.L.C.,will lay off 41 workers when it shuts down its White Plains location Dec. 22, according to the New York state Department of Labor. With its lease expiring for 5 Mamaroneck Ave. at the City Center on Jan. 31, 2014, the company decided not to renew, said Ida Faber, vice president of marketing at Legal Sea Foods.

COMING this FALL

However, the company is searching for alternative sites to open by 2014. Legal Sea Foods declined to comment when asked if another location would open in Westchester County. Legal Sea Foods, which opened the White Plains restaurant in 2004, notified its employees three months prior to reporting its closing to the Department of Labor, Faber said. Among the positions that will be terminated include host staffs, servers, bussers, dishwashers, cooks and managers.

“We are providing opportunities for our 41 employees to continue employment with us in our other area locations in New York and New Jersey and other markets,” Faber said. Legal Sea Foods will offer financial incentives for employees who continue to work until the restaurant’s closing, Faber said. The company is working with representatives from the state Labor Department to provide resources and assistance to its employees about job training, searching and placement, she said.

NYS Labor department numbers Local Area Unemployment Rates* (%), August 2012 and August 2013 (not seasonally adjusted) August 2013* August 2012 Upstate NY (52-co. area) Metro Areas

7.1

8.2

7.0

8.1

Albany-Schenectady-Troy

6.3

7.5

Binghamton

7.5

8.7

Buffalo-Niagara Falls

7.3

8.4

Elmira

7.7

8.7

Glens Falls

6.0

7.1

Ithaca

5.6

6.4

Kingston

7.6

9.0

Poughkeepsie-Newburgh-Middletown

7.0

8.2

Rochester

6.9

8.0

Syracuse

7.3

8.3

Utica-Rome

7.3

8.2

7.4

8.4

7.8

8.7

New York City

8.7

9.4

Suburban Counties

6.2

7.4

Nassau-Suffolk

6.2

7.5

Putnam-Rockland-Westchester

6.2

7.3

Non-metro Counties Downstate NY (10-co. area)

*Data are preliminary and subject to change.

– John Golden, Crystal Kang

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Pediatric center marks 25 years BY CRYSTAL KANG ckang@westfairinc.com

he Elizabeth Seton Pediatric Center celebrated its 25th anniversary Sept. 24 at a reception held at its new Yonkers location. The celebration included a singing performance by Stephanie Rimpel, a former patient. Marie Rimpel, Stephanie’s mother, said the center helped save her daughter’s life. “This was a second home for my child,” Marie Rimpel said. “I don’t think I’d be able to endure through my daughter’s surgeries without the support I had from everybody here.” Stephanie just started attending White Plains High School this year as her health has improved. She still receives regular home visits from a nurse from the center. Elizabeth Seton, which moved from a 95,000-square-foot space in Manhattan to a 165,000-square-foot building Yonkers last year, accommodates 137 children and their families. There are no more than four beds per room, and there are four floors divided into a combination of single, double, triple and quadruple rooms. The four-bedded rooms are shaped like a four-leaf clover with privacy provided by a dropdown canopy. Each room contains a pantry and cabinet to store the children’s personal belongings. “When we first designed the shape of the building, we knew every kid needed to have a window,” said David Schunter, preconstruction manager at Andron Construction Corp., the company that designed the new building for Elizabeth Seton. The center has five terraces outside with two large playgrounds. They even have a pizza garden that grows ingredients that would go on a pizza including tomatoes and basil. Kids have access to the outdoors with a sidewalk that wraps around the entire building. Many kids at the center have respiratory problems, which was addressed by bringing in an air purifier that exchanges air six times a day. During the day, children attend classes that are tailored to their learning development. The planning board of Yonkers was supportive of the pediatric center’s move into its city, said Nancy Bullock, chief operating officer of Elizabeth Seton. “The AFL-CIO, the Department of Health, New York state and HUD (Department of Housing and Urban Development) all got behind it,” Bullock said. “We started during a difficult time in the economy, but each group supported us. Mortgage bonds were sold into the market, and the AFC-CIO purchased them all. Their pension fund bought it, and HUD ensures the mortgage will be paid back.” The construction for the new building created a peak of 150 jobs in Westchester, Schunter said. WCBJ • September 30, 2013

Foreclosure — From page 1

and Wiederkehr L.L.P. “They continued engaging in their usual practices…I’ve seen the banks do everything to get out of their agreement before federal judges.” One reason for the spike in foreclosures this year “is that the banks are not doing what they’re supposed to be doing under the national mortgage settlement,” she said. The settlement included five servicers representing nearly 60 percent of the national mortgage market: Ally Financial, Bank of America, Citigroup, JPMorgan Chase and Wells Fargo. Curley said in her practice she has found that of the Big Five, Wells Fargo and Bank of America “are the two worst offenders. They continue to stall and delay. Homeowners aren’t getting the modifications they’re entitled to.” Curley said some banks have dodged compliance with terms of the settlement by transferring loans to servicers that are not participants in the agreement. Last spring, she said, she submitted modification requests to one of the Big Five for about 10 clients. She learned their loans had been transferred to another servicer, Nationstar Mortgages L.L.C., which left them eligible only for in-house modifications at less favorable terms. Often those terms include no reduction in principal and a balloon payment at the end on deferred principal that can range from $100,000 to $300,000, Curley said. With that best offer from a servicer, about 60 percent of her clients have cho-

Artist — From page 1

Other techniques Thornton used include mounting art on a cotton T-shirt instead of a canvas. Nail polish and construction paper were incorporated to craft some of the art pieces, too. Graham said she’s looking for artists who won’t just create art that “looks good or matches people’s décor,” but she gravitates toward art that conveys a deeper meaning. “Being an artist, I have strong ideas on what’s important,” Graham said. “I didn’t want to compromise what I felt was important – having meaningful art – with having to sell enough art to keep my gallery going.” She added that the meaning the artwork conveys could be anything ranging from political and metaphysical to plainly making a commentary on art itself. Graham, who graduated with a Bachelor of Fine Arts from Cornell University and a Master of Fine Arts from Hunter College, experiments with unconventional ways to

September 30, 2013 • WCBJ

sen to stop mortgage payments, using that money instead “to build up a nest egg for the next house they purchase” and staying in their homes for the three to four years it can take to complete a foreclosure. But a foreclosure on their credit record can jeopardize that next purchase. About 40 percent of her clients “will accept those onerous terms” of an in-house modification in order to keep their homes, Curley said. “It’s always against my advice.” Because homeowners were not parties to the lawsuit brought by 49 state attorneys general that resulted in the national mortgage settlement, her clients cannot bring a bank to court for violations. Instead Curley builds up a record for each bank and reports it to New York Attorney General Eric Schneiderman and to the national monitor of the settlement, former North Carolina banking commissioner Joseph A. Smith Jr. Schneiderman in May announced he intended to sue Wells Fargo and Bank of America for repeatedly violating mortgage servicing rules established in the settlement. He said his office had documented 339 violations by the two banks since October 2012. “We are in the process of doing our work on that” lawsuit, Damien LaVera, spokesman in the attorney general’s New York office, said in late September. “These are long, complicated complaints coming against a very well-funded adversary.” LaVera said the attorney general has been told of similar patterns of violations of mortgage servicing rules in other states since announcing his planned lawsuit. Officials at Wells Fargo and Bank of

America corporate headquarters did not respond to requests for comment on Curley’s assertions and Schneiderman’s claims. Peter Spino Jr., a foreclosure defense attorney in White Plains, said bank attorneys told him the increase in foreclosure court filings “basically was due to the banks finally getting their paperwork in order” and establishing proof of “who actually owns” mortgage loans that been sold and resold. He said bank attorneys also attributed the rise in foreclosure actions to homeowners falling into default a second time on their mortgage payments after receiving loan modifications. “I have seen some of that,” he said. In addressing the mortgage crisis, “All the banks are pretty horrific still,” Spino said. “It’s unbelievable that we still have this problem.” Two years ago, it took one to two years to get a loan modification, he said. “Now it’s a minimum three months if you’re lucky as hell” and a six- to nine-month process is more likely. “Nine months to a year is still not unusual.” “It’s still a mess in New York,” Spino said of the backlog of defaulted mortgages, “and we have a minimum of another two to three years” before the backlog is cleared. At Keller Williams Realty in Bedford, associate broker Mark Boyland said short sales of homes by owners avoiding foreclosure make up more than half of his firm’s business. A certified distress property expert, Boyland started a website, dontforeclos-

esellinstead.com, that has attracted callers from across the country. In Westchester and Putnam counties, “homeowners who have been living in their homes without making mortgage payments are finally getting foreclosure notices” and “looking to do short sales.” He has seen an increase this year in inquiries from owners of luxury homes with mortgages of more than $1 million. “There’s a lot of folks who have gone through the HAMP program,” said Boyland. “They’ve been through it eight months, 12 months, and then they get declined or it’s not enough of a modification” to allow them to keep their homes. “In most cases the banks only reduce interest.” With foreclosure filings on the rise in the county and state, “We’re not going to start to see the real impact of that until next year, maybe even into 2015,” the broker said. Broker Kevin Brooks works with homeowners in Mount Vernon and Yonkers, the Westchester communities with the largest number of properties in the foreclosure process. Short sales there “are on the rise,” he said. “Because of the economy, people are still losing their jobs and when they do get jobs, the jobs don’t pay as well. It’s just feeding the fire.” “Unfortunately, the banks are heartless,” said the owner of Kevin Brooks Realty in Mount Vernon. “They would rather foreclose and get a little of their money than extend the loan and get all their money… The banks are out of touch with the people.” “It’s a sad scene,” Brooks said.

create and display art. “Lots of images I use are related to the natural world, including animals,” Graham said. “But they’re altered so people aren’t sure what they’re looking at. I like art that presents a question rather than answers and creates unease on the part of the viewers.” Her art includes collages made from book cut-outs, charcoal, ink and poster paint coated with packing tape to give her pieces a glossy, grid-like effect. Graham interprets people’s unease as a sign that her artwork is compelling. For over a year, she’s prepared five art pieces, which she plans to showcase at the train station in Beacon from noon to 5 p.m. on Oct. 5. The evening before she opens her pop-up art gallery, she plans to be in Cold Spring for the First Friday, a townwide celebration of the arts, which invites artists to receptions and gallery openings. As a budding entrepreneur, the biggest challenge for Graham was finding a van that wasn’t too big to drive. She said the 12-foot step van she bought for under $20,000 came with a unique feature that sold her when she

first saw it in a Watertown, Conn., truck lot. “One thing I absolutely loved was the fiber glass ceiling,” Graham said. “It makes the light in the van so fabulous.” Everything else required remodeling including additional walls built around the sides of the truck, which had previously been made of rough plywood. She had her husband David Graham, an architect, hire a million-dollar home contractor to polish the aluminum floors and build stairs, so she can step onto the back of her van. “One of David’s contractors Richard Donsavage, latched onto the idea and thought it was something unique,” Graham said. “He took it on as a pet project, and he was here many Saturdays with carpenters, floor guys, and metal fabricators and helped us put the whole thing together.” The lighting in the back of the van is powered by deep cycle marine batteries connected to an electric inverter. She said she has “enough juice” to keep her gallery lit for five hours at a time. Rodi Gallery pays homage to Graham’s father, Herbert Blumberg, a Long Island

resident who started his business Rodi Automotive 56 years ago. ‘Rodi’ was named after Graham’s mother Roselyn and her dad’s business partner’s wife Diane. Pronounced road–eye, Graham said she thought the name was fitting for her art gallery on wheels. “The name they chose 56 years ago applies to what I’m doing: I’m on the road with an eye for art,” Graham said. Before the Grahams moved to Yorktown, they lived in Manhattan. Elise Graham had sold Hoover vacuum cleaners when she first moved to the city from Long Island and done advertising work for art galleries in SoHo. Meanwhile, David Graham, who grew up in Chappaqua, formerly worked for Paul Rudolph, a renowned architect most famous for his work on the Yale Art and Architecture Building. The Grahams have a 24-year-old daughter, Nora, who works in fashion in New York City and a son, Aaron, a 22-year-old Cooper Union graduate who contributes to his mother’s mobile art gallery business.

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Chance meeting helps business couple grow BY CRYSTAL KANG ckang@westfairinc.com

ount Vernon business owners James and Darlene White deliver more than just automotive parts. They deliver a promise: “You ring, we bring.” With this motto printed on matching blue T-shirts, the married couple proudly shows off their company name – DTM Parts Supply Inc. Their business of finding the most unusual transportation equipment ranging from runway lights for the Westchester County Airport to seats on a crane for the American Sugar Refinery Inc. in Yonkers and bringing it to customers’ doorsteps is a rarity in Westchester County, according to the couple. The Whites have been running their specialty supply business for 18 years from their home basement and they’ve constantly built meaningful relationships with local businesses along the way. But never had the Whites imagined building a relationship with Westchester County Executive Rob Astorino, who they met at the March for Babies event in April. Once James introduced himself to Astorino and asked about opportunities to grow his business by partnering with government agencies, the county executive provided the couple with resources and people who took them to the next step.

Astorino put the couple in touch with Jim Coleman, Minority and Women Business Enterprise liaison officer and executive director of the Westchester County Industrial Development Agency, who sat down with the Whites and discussed ways to grow their government contract sales and locate hard-to-find parts. They also connected with the Procurement Technical Assistance Center in Rockland County, which provides job development programs that help business owners effectively market and sell products and services to government agencies. After attending a seminar organized by Liz Kallen, the Rockland Economic Development Corporation’s PTAC program manager, at Westchester Community College, the Whites felt more equipped with the information they needed to continue operating their business. The couple noted that business has increased this year by 43 percent since they received resources through the county. Access to the Empire State Purchasing Group website, where more than 130 local government agencies from New York state can notify vendors of bidding opportunities, gives the couple an edge over other parts suppliers who don’t have a registered account. The couple places daily bids with hundreds of companies on auto Business, page 19

It’s true. When doctors become successful, they move to the suburbs.

Who can blame them? Westchester has charming town squares, top-tier school districts and one-of-a-kind homes. But if you’re a successful doctor, you don’t only care where you live. You also care where you work. That’s why they’re drawn to Bronxville’s Lawrence Hospital Center. Over the last five years, we’ve spent nearly $50 million in renovations. S uffice it to say, that kind of money buys a lot more than a new coat of paint and some soothing wall art. Let’s start with the room people often see first: The Emergency Room. We’ve done so much reconstructive surgery on it, you wouldn’t recognize the place. Modern. Sleek. Computerized. It’s everything

you’d want in a part of the hospital we hope you never have to visit. Of course, not every visit to our hospital is for a bad reason. Sometimes it’s for a good one. And there’s no better example of that than our Maternity Ward. Our nursery is spacious enough to handle a minor population explosion. And with 23 new private rooms, their mothers get some well-deser ved privacy. Each room has been designed with soft lighting, carpeting, Internet access and a flat-screen TV. In addition to our warm bedside manner, we have electronic bedside records. A laser-fast scan of your ID bracelet tells our nurses who you are and what medication you need. It’s an extra layer of security that helps eliminate the possibility of mistaken identity. Speaking of technology, we’ve improved our image with upgraded MRIs and Westchester’s first Low Dose CT Scan. A dose so low, it delivers up to 40% less radiation than the previous model. That said, technology is only half the story. People are the other half.

In an age when hospitals focus on the almighty dollar, we still focus on the almighty patient. Maybe that’s why nationally recognized doctors and award-winning surgeons who could work anywhere, choose to work here. We don’t just talk about compassionate care, we also

live and breathe it. No wonder people think it’s healthier to live in the suburbs. If you’d like the full hospital tour, visit lawrencehealth.org. Find out why so many top doctors call our hospital “home.”

Location. Innovation. Compassion.

WCBJ • September 30, 2013 CLIENT: Lawrence Hospital Center

JOB#: 04354_2

PUBLICATION: WBJ/Inside Westchster

AD: -

AE: RH

Building and retaining a company culture I have a group of new employees who have a lot of potential to make a difference in the company. For many of them, this is their first real job out of college. How do I get them off on the right foot and make sure they’re adding to, not taking away from, the culture and work ethic we’ve worked so hard to establish with the rest of our employees?

Thoughts of the day: New employees need to learn about more than their job duties. Recent college grads bring their own set of challenges and opportunities. Building a culture is all about conveying to every employee what the company stands for. What does your company stand for and how do you get that across? It’s best to start testing for “fit” in the recruiting process and immediately carry through when onboarding new employees. Ensuring fit to culture can pay off in terms of work ethic, commitment, drive and ability to manage pay scale through above-average job satisfaction. Think through the training program for

new employees. Start with basic orientation issues such as work hours, layout of the different departments, information on where things are filed and overview of organization structure. Make time for new employees to tour each department so they can be more aware of how things fit together. Save people time by giving them information up front on how things work throughout the company. Follow up the overview with specifics about the department they’ll be working in and the job duties for which they’ll be accountable. Have a way to assess skill level, followed by a specific plan for skill training to fill in any knowledge gaps. Make time for new employees to meet with peers and department heads, as they will be more likely in the future to approach people they know. When hiring recent college grads, don’t assume that part-time jobs and internships have turned them into savvy employees. Expect them to make beginner’s mistakes as they learn to find their way in the workplace. For many entry-level employees it’s like learning to balance on a tightrope between too much initiative and not enough, taking too many risks vs. too few. Assign someone to oversee work until you

know a new employee can properly perform tasks assigned. Instead of taking things for granted, make time to have employees play back an explanation of what they’ve been asked to do. Make sure to clarify timeframes, rather than leaving tasks open ended. Most new employees will appreciate the structure of having a next-step list to follow, having to check in periodically with a manager and reporting regularly on progress. While you address the basics of onboarding and training, make time to engage employees in discussions about what the company stands for. Keep in mind that every employee is an ambassador for the company. Make sure they are comfortable talking about the vision and mission of the company in as few words as possible. Show new employees that there is a common purpose to what everyone throughout the company is engaged in doing. Bring together people of different backgrounds, religions, personal expectations, etc. by pointing them toward a common set of goals. Give purpose to the work that employees are doing by talking about how that fits into the company’s overall plans. Start addressing fit-to-culture in the inter-

ask andi by andi gray

view process. Talk with potential employees about where the company is going, the values that the company stands for and how individual employees fit into that overall set of goals and purpose. Look for employees who are on a mission, looking to take a journey similar to the one that the company is embarked upon. Keep in mind that it’s easy to hire employees. It is much more challenging to hold back and persist with recruiting in order to find the employee who is a “right fit” for the company. The latter strategy, recruiting for “right fit” is a group of individuals who are likely to bond together despite personal differences, work harder, persist through difficult situations, and put quality of work ahead of quantity of pay. Andi Gray is president of Strategy Leaders Inc., strategyleaders.com, a business-consulting firm that specializes in helping entrepreneurial firms grow. She can be reached by phone at (877) 238-3535. Do you have a question for Andi? Please send it to her, via email at AskAndi@StrategyLeaders.com or by mail to Andi Gray, Strategy Leaders Inc., 5 Crossways, Chappaqua, NY 10514. Visit AskAndi.com for an entire library of her articles.

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INBRIEF

Metro-North garage project on track this fall

Metro-North Railroad officials said construction soon will begin on a nearly $42 million parking garage project at the North White Plains commuter station that has been 10 years in planning. Due to be completed in 20 months, the 500-car garage will accommodate the projected increased demand for parking at the station, which Metro-North officials said is used by more than 2,200 passengers each weekday. The 186,000-square-foot, four-story structure will rise at the southeast corner of Bond Street and Haarlem Avenue and add about 400 spaces to the total parking supply at the station, a 29 percent increase. Metro-North officials said the existing 109space garage will close next January and be demolished along with a maintenance building, small surface lot and several utility sheds. The new garage will include bicycle and scooter parking spaces, administrative operations and storage space, a utility room for expanded and relocated utilities and a small retail space on Haarlem Avenue. It will house six electric charging stations. Drivers will enter and exit the garage from Haarlem Avenue, which will become a twoway street from the garage entrance to Bond Street. A traffic light will be installed at the intersection of Bond and North Broadway. Railroad officials said the project is funded entirely by a $41.8 million federal congestion mitigation and air quality grant. Prismatic Development Corp., of Fairfield, N.J., was awarded a $26.5 million designbuild contract. “Not everyone has the good fortune to live in a village within walking distance of one of our stations,” Metro-North Railroad President Howard Permut said in a press release. “So parking is a necessity. Hopefully this project will attract even more people to mass transit.”

Tax advisers add forensic CPAs in merger

WTP Advisors in White Plains has added a forensic accounting practice area to its tax and business advisory services through a merger deal with Boucher Stickley Group L.L.C. announced today. A forensic accounting and litigation support firm based in Manhattan, BSG is known for its pioneering systems used to perform complicated quantitative analysis related to controversy resolution, according to the WTP announcement. Founded in 2010 by David Boucher and Timothy Stickley, the

small firm grew out of a software development and business consulting company, Decision Modeling Inc. WTP Advisors acquired Decision Modeling’s consulting arm, Interest and Penalty Advisors L.L.C., in 2011. Stickley in a press release described him and Boucher, both certified in financial forensics, as “the ones who sift through the details, analyze and interpret complex financial transactions, investigate the paper trail and recreate what actually happened, whether providing support in a litigation dispute or offering consultation as to whether the books and records of a subsidiary accurately portray business operations or show some evidence of internal fraud.” The forensic accountants have worked with the American Arbitration Association, oil companies and other multinational corporations, uranium trading businesses and several smaller-scale companies. Ian Boccaccio, co-founder and partner at WTP Advisors, said his firm “partnered with BSG to bring the specialized skill set of forensic accounting to our Fortune 100 client base, further bolstering our ability to provide best in class advisory services.”

Congratulate ANTHONY J. ENEA, ESQ.

ON HiS SElECTiON AS A TOp 25 SupEr lAwYErS

Smashburger comes to Greenburgh

Smashburger Master L.L.C., will open its third restaurant in Westchester County at 49 Tarrytown Road in the town of Greenburgh on Sept. 30. Smash Partners, the regional franchise owners, will hire 30 local store associates to run business in its newest franchise location. In 2011, Smash Partners colleagues Rich Greenstein, Howard Novick and Ronnie Portnoy were searching for a restaurant business that would have “solid growth potential.” They wanted a restaurant concept that provided “delicious burgers and sandwiches in a relaxed atmosphere.” “Smashburger delivers exactly that,” Greenstein said in a written statement. “As burgers are America’s favorite food, we believe that the Smashburger concept will continue to grow – and we look forward to being a part of it across New York and Connecticut.” The three received Smashburger’s “Franchisee of the Year” award this year. The award recognizes the franchise group nationwide that demonstrates excellence in areas including passion for the brand, customer service and attention to detail. Smash Partners plans to open a total of 26 Smashburger locations. Globally, Smashburger has 230 corporate and franchise restaurants including four locations outside of the U.S. Smashburger plans to open seven more restaurants in Queens County, N.Y. and Fairfield County, Conn. between now and 2014. — John Golden, Crystal Kang

Office in Somers, New York

(914) 948-1500

WCBJ • September 30, 2013

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Jobs Yonkers-bound with MTA contract BY JOHN GOLDEN jgolden@westfairinc.com

his time around, Yonkers and its resident train manufacturer weren’t left waiting at the station. After finishing as runner-up bidder last year on a $600 million contract from the Metropolitan Transportation Authority, Kawasaki Rail Car Inc. this month was awarded an MTA contract for up to $1.83 billion to design and build the next generation of rail cars for Metro-North Railroad and the Long Island Rail Road. The project, announced by Gov. Andrew Cuomo, is expected to create up to 1,500 jobs at the Kawasaki plant in Yonkers and its suppliers in the state. Under the contract approved Sept. 19 by the MTA board, up to 676 electric cars will be assembled at the Kawasaki plant at 10 Woodworth Ave. in Yonkers. A portion of the contract and related development costs are funded with $355.5 million from the MTA’s 2010-2014 capital plan. The initial contract will provide 92 cars to the LIRR. If funding is available in the MTA’s 2015-2019 capital plan and the railroads choose to exercise future options, Kawasaki will manufacture up to 304 additional cars for the LIRR and up to 280 cars for Metro-North. MTA officials said the M9 cars will replace 1980s-era M3 railcars serving the LIRR’s eight electric branches and Metro-North’s Harlem and Hudson Lines and will create expanded fleet capacity for both railroads to accommodate growth in ridership. The cars being replaced by Kawasaki’s products entered service between 1984 and 1986 and will have served the region for more than 30 years when retired. The MTA in August considered final contract proposals from three manufacturers. MTA officials said Kawasaki provided the “most attractive” pricing. One week before its MTA contract award, Kawasaki Rail Car closed on the $25.2 million purchase of its Yonkers plant in the iPark Hudson office, laboratory and industrial complex near the city’s downtown waterfront. The seller, Hudson View Associates L.L.C., is an affiliate of National Resources Inc., the Greenwich, Conn., real estate company that redeveloped the former Otis Elevator Co. property in Yonkers for office and high-tech tenants. That purchase deal was first announced by Cuomo in April 2011, when Empire State Development Corp. awarded Kawasaki a $500,000 grant to retain 375 full-time jobs in Yonkers. Headquartered in the city since 1985, the company had considered several locations as a permanent base for its U.S. operations but chose to stay at its plant

overlooking the Hudson River because its location at the center of the Northeast passenger rail corridor proved most cost-effective, Kawasaki Rail Car CEO Hiroji Iwasaki said at the time. The manufacturer’s parent company, Kawasaki Heavy Industries Ltd., is headquartered in Japan. One year after that announcement, Kawasaki and its bidding partner, the French conglomerate Alstom, lost out on a major contract to produce 300 New York City Transit subway cars by 2016. The partners bid $675 million for the project, while Bombardier

Transit Corp. in upstate Plattsburgh won with a low bid of $599.47 million. Cuomo hailed Bombardier’s selection as “a major win for the North Country and the entire region’s economy.” But Yonkers Mayor Mike Spano called it “wrong” for the MTA to award a jobs-generating contract to a manufacturer outside its Hudson Valley service region, where employers “pay millions of dollars in MTA taxes in support of its services.” Spano in a brief statement called the new contract “great for Yonkers” and said it will

allow Kawasaki to continue to grow here, provide jobs “and further build on the economic growth of our downtown waterfront.”

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Stepping up for better health care Learn more about how an Oxford plan can help your business. Visit uhctogether.com/newyork.

FORTUNE® Magazine ranked UnitedHealth Group #1 in innovation among the insurance and managed care sector. FORTUNE® Magazine, March 18, 2013. FORTUNE is a registered trademark of Time, Inc. FORTUNE and Time, Inc. are not affiliated with, and do not endorse products or services of UnitedHealth Group. Insurance coverage provided by or through UnitedHealthcare Insurance Company of New York. Oxford HMO products are underwritten by Oxford Health Plans (NY), Inc.; Oxford insurance products are underwritten by Oxford Health Insurance, Inc. ©2013 Oxford Health Plans LLC. All rights reserved. NY-13-776 UHCNY658591-000

WCBJ • September 30, 2013

Westchester Airport to add flights to Boston BY CRYSTAL KANG ckang@westfairinc.com

opscotch Air Inc., a private jet charter operator based in Farmingdale, will begin providing direct flights from the Westchester County Airport to Boston starting in October.

Andrew Schmertz, chief executive of Hopscotch Air, in front of a Cirrus airplane, which will fly customers from Westchester to Boston.

FIRST TRACKS ON YOUR LAST RUN? REALLY. With membership in The Hermitage Club at Haystack Mountain in Southern Vermont you’ll experience skiing unlike any other on the East Coast. From our empty lift lines and fresh snow to our safe, family-friendly environment, the conditions are always just right for passionate skiers. In fact, you’ll fall in love with skiing all over again. And you’ll benefit from full access to four seasons of private mountain activities, including our 18-hole golf course. Come meet our mountain and make it your own.

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September 30, 2013 • WCBJ1 14 HER-007_hermitage_ad_fcbj_7.375x8.5.indd

9/23/13 4:15 PM

“We don’t have flights going to Boston from here,” said Steven Ferguson, assistant manager of Westchester County Airport. “It’s filling a need.” The flights will begin to Logan International Airport in Boston Oct. 1 and Hanscom Field in Bedford, Mass. starting Oct. 3. Round-trip flights to Logan and Hanscom will cost $875 and $775, respectively. The demand for air-taxi service to Massachusetts has ramped up over the last two years, said Andrew Schmertz, chief executive of Hopscotch Air. Over the summer, the company saw an increase in the number of on-demand flights to Logan and Hanscom airports average three to five per week. “If we were able to lower our prices and offer a per-seat option, we think there’s a significant market we can grab out of Westchester,” Schmertz said. These SUV-sized Cirrus airplanes seat three passengers and include safety features such as emergency parachute systems. They include on-board avionics such as autopilot and advanced GPS features. Unlike commercial flights, Hopscotch doesn’t carry cargo or require security screening by the Transportation Security Administration as standard air carrier operators do. The cost of operating these aircraft is lower than ordinary private jets. Lower costs of operation mean prices are at “substantially lower rates,” Schmertz said. Linear Air will partner with Hopscotch to provide a marketing platform with its website. “Linear Air has a very advanced online platform that will allow customers to book flights directly as if they were booking a traditional airline flight, making the process efficient and giving people the experience they’re more used to,” Schmertz said. The fixed-based operator for Hopscotch is Panorama Flight Service, which is on the opposite side of the runways from the main terminal, Schmertz said. This location is convenient for travelers and will create fewer hassles with check-ins compared to commercial flights, he said. “We’ll test the waters and see the demands and increase accordingly,” Schmertz said. As Hopscotch expands the market for private aviation, it plans to hire four parttime pilots next month – two based in Westchester and two on Long Island.

Chris Gallant & Damian Brown Owners, The Bronx Brewery Bronx, NY Chase Business Clients

The Bronx Brewery’s mission is to bring brewing back to the Bronx. It’s our mission to help. With help from their local Chase banker, Chris Gallant & Damian Brown were able to get the loan they needed to realize an unlikely dream: breaking ground on the Bronx’s first brewery in decades. At Chase, we’ve made it our mission to help businesses like yours and Chris and Damian’s, so you can do more than succeed–so you can thrive. Chase is ready with limited-time financing offers to help you expand, hire, or manage cash flow. To learn more, contact Don Maloney, Regional Manager, at 212-899-1863 or visit chase.com/MissionMainStreet/TriState.

C3419_10.0x11.5_4C.indd 1

9/25/2013 11:24:17 AM

WCBJ • September 30, 2013

YOU’RE INVITED TO THE ONE AND ONLY

CFO OF THE YEAR AWARDS CELEBRATION IN WESTCHESTER COUNTY

Meet and mingle with the nominees, award winners, judges and your business colleagues and join in the excitement when three CFO winners are announced and receive their distinguished awards.

DATE/TIME + LOCATION

OCTOBER 3 | 5:30 P.M. MAPLETON AT GOOD COUNSEL 52 NORTH BROADWAY, WHITE PLAINS

Complimentary hearty hors d’oeuvres and beverages. RESERVE NOW

space is limited. Contact Holly DeBartolo (914) 358-0743. SPONSORS

16 September 30, 2013 • WCBJ

SUPPORTER

E-commerce leads back-to-school sales While certain retail stores took a hit with lower-than-expected back-to-school spending this season, e-commerce businesses saw more favorable results, according to the latest SpendingPulse report by Purchase-based MasterCard Advisors. The report showed a spending shift from bricks-and-mortar shops to websites in key back-to-school shopping categories including electronics, department stores and apparel throughout August. All categories showed a double-digit increase with the exception of children’s apparel, which dipped 0.2 percent in online sales compared to a 2.4 percent increase for in-store sales. “Last month, we talked about how softness in categories such as children’s apparel was an indication that this year’s back-to-school

CFO — From page 2

companies. In 2007, Chris sold his consulting firm, and in 2009 co-founded Durante Rentals. Maria Mazzotta is CFO at the Open Door Family Medical Centers in Ossining. She served as the organization’s senior accountant from 1992 until her promotion to CFO in 2003. Mazzotta has full responsibility for the financial management of the center including the development of the operating budget, monthly financial reports to management and the board of trustees, internal controls, compliance and operating procedures, the annual audit, and cost and activity reports to government agencies. Prior to coming to Open Door, she worked at Jeffrey T. Latman and Co. as an auditor. She received her B.S. degree in accounting from St. John’s University and is a certified public accountant. Arthur Schwacke is CFO of ENT and Allergy Associates L.L.P. in Tarrytown. During his tenure, ENT and Allergy has grown into the largest and one of the most highly respected Otolaryngology and Allergy practices in the United States, currently with 145 physicians practicing in 40 state-of-the-art clinical locations. During the past 5 years, his efforts have secured over $32 million in bank financing to fund group expansion. Schwacke is also a cofounder of OASIS – the risk retention group started by the practice in 2009 to insure its

season would be rather subdued,” said Sarah Quinlan, MasterCard Advisors’s senior vice president of market insights. “This month’s SpendingPulse report clearly reflects that consumers are still cutting back on spending where they can and seeking the best value.” Online family apparel consumers “found the best deals on the web,” Quinlan added. E-commerce retailers posted their best sales numbers since April while online children’s clothing retailers saw their first year-overyear loss since January 2012. Fewer consumers are traveling to stores to buy their products. The SpendingPulse report showed as gasoline consumption dropped, retail sales simultaneously fell by 1 percent. – Crystal Kang medical malpractice risk. He is a graduate of Rutgers University and a certified public accountant. Spencer Schwartz is senior vice president and CFO of Atlas Air Worldwide in Harrison. He was named this year as one of the Top 10 CFOs by Aviation News and, in 2007, he was recognized by Treasury & Risk Magazine as one of the Top 100 Most Influential People in Finance. Schwartz is a CPA who earned an MBA from New York University’s Stern School of Business and a bachelor’s degree in accounting from The Pennsylvania State University. Prior to joining Atlas Air, he was employed for more than 12 years by MasterCard Inc. He is a member of the board of directors of Junior Achievement of the Hudson Valley. Lew Tischler is CFO of Symbio Technologies in New Rochelle. As the CFO of the provider of high-technology security equipment, he has established relationships and selling programs with many of the major contractors doing business with the federal government, created alternative and renewable streams of revenues and successfully increased gross profit margins across the board. He has been recognized for his efforts in creating an export market resulting in Symbio-branded products being shipped around the world. An avid gardener, he also builds furniture and plays the piano.

Westchester Country Club Wednesday, October 9, 2013 5:30 pm - 9:00 pm Featuring X20 Xaviars on the Hudson 42 The Restaurant • Chutney Masala Bistro Coopers Mill • Crabtree’s Kittle House Emilio Ristorante • Enrico’s of Hartsdale Harrys of Hartsdale • Morton’s Steakhouse The Old ‘76 House • The Haymount House Tramonto Ristorante • Underhills Crossing Westchester Country Club Zuppa Restaurant and Lounge Solvenia Vodka Bar • Yonkers Brewing Co. Coffee Labs Roasters • Aires Wine and Spirits Diamond Sponsor Yonkers Contracting Company

Don’t miss a fun �illed evening of signature chefs dishes, �ine wines, entertainment and auctions. Sponsorship & Ticket Info 914.610.7523 smasciovecchio@marchofdimes.com Register online marchofdimes.com/ny

For more information and to reserve a space, contact Holly DeBartolo at (914) 358-0743. WCBJ • September 30, 2013

THELIST: sba lenders

Ranked by number of SBA 7a loans in New York during 2012 (three loans or more). Listed alphabetically in event of tie.

westchester county Westchester County

SBA Lenders

Next list: October 7 Women-Owned Businesses

Rank

Ranked by number of SBA 7a loans in New York during 2012 (three loans or more) Listed alphabetically in event of tie.

Name and address • Number of branches in county Telephone number, area code: 914 (unless otherwise noted) Website

JPMorgan Chase N.A.

M&T Bank

1 M&T Plaza, Buffalo 14203 • Seven branches (800) 724-2440 • mtb.com

TD Bank N.A.

Citibank N.A.

2035 Limestone Road, Wilmington, DE 19808 • 13 branches (302) 351-4560 • tdbank.com

RBS Citizens N.A.

Wells Fargo Bank N.A. 101 N. Philips Ave., Sioux Falls, SD 57104 • 35 branches (605) 575-7332 • wellsfargo.com

Webster Bank N.A.

Sterling National Bank

People's United Bank

527

61,602,000

591

96,490,100

111

15,695,200

132

21,145,300

103

19,974,300

29,807,800

24,993,200

11,619,600

22,266,000

4,848,500

123

15,925,100

1,927,500

John G. Stumpf 1870

10,785,800

15,358,900

Brian T. Moynihan 1904

1,770,000

1,937,100

James C. Smith 1870

6,804,000

1,120,000

John C. Millman 1929

1,075,000

1,370,000

144,000

95,000

15,000

Robert G. Wilmers 1856

Christopher M. Gorman Chairman and CEO, KeyBank N.A.

1825

Interim president and CEO

1870

Ed Clark 1852

William Mills CEO, North America

1812 Irene Dorner 2004 Ellen Alemany

1 Citizens Plaza, Providence, RI 02903 • Two branches (401) 861-0091 • citizensbank.com

Bank of America N.A.

10,554,700

1824

CEO

1800 Tysons Blvd., McLean, VA 22102• 18 branches (800) 975-4722 • us.hsbc.com

Chairman and CEO

Michael L. Corbat

701 E. 60th Street North, Sioux Falls, SD 57104 • 26 branches (605) 906-6100 • online.citibank.com

HSBC Bank USA N.A.

62,880,300

(includes loan increase fees occurring during FY 2011)

Gary M. Crosby

726 Exchange St., Buffalo 14210 • Five branches (800) 201-6621 • firstniagra.com

697

Chief executive officer/president Year company established

Chairman, CEO and president, KeyCorp

127 Public Square, Cleveland, OH 44114 • 16 branches (216) 689-4221 • key.com

Number of SBA 7a loans in New York FY 2011

Beth E. Mooney

KeyBank N.A.

First Niagara Bank N.A.

Total approved gross SBA 7a loans in New York ($) FY 2012

Jamie Dimon

270 Park Ave., New York 10017 • 101 branches (212) 270-6000 • jpmorganchase.com

Total approved gross SBA 7a loans in New York ($) FY 2011

Number of SBA 7a loans in New York FY 2012

101 N. Tryon St., Charlotte, NC 28202 • 24 branches (800) 432-1000 • bankofamerica.com

145 Bank St., Waterbury, CT 06702 • Eight branches (203) 578-2202 • websteronline.com

650 Fifth Ave., New York 10022 • One branch (212) 757-3300 • sterlingbancorp.com

head, RBS Americas and CEO, RBS Citizens Financial Group

1828/2004 (RBS Citizens N.A.)

John P. Barnes President and CEO

850 Main St., Bridgeport, CT 06604 • 15 branches (203) 338-7001 • peoples.com

Capital One N.A.

Sara Longobardi Market leader, New York

1842 Richard D. Fairbank

1680 Capital One Drive, McLean, VA 22102 • 11 branches (703) 448-3747 • capitalone.com

Founder, chairman and CEO

1933

Questions or comments, call 694-3600, ext. 3005. NA Not available Source: Data from the U.S. Small Business Administration, sba.gov.; reflects quarterly data as reported during the 2012 fiscal year ending Sept. 30, 2012. Information for the number of branches is current as of September 2013 and was obtained from the Federal Deposit Insurance Corp. website fdic.gov. Although the data obtained from these sources is consistently reliable, its accuracy and comprehensiveness cannot be guaranteed.

THE WEEKLY LIST IS NOW AVAILABLE BY DIGITAL SUBSCRIPTION. Go to westfaironline.com/buy/the-lists/ for more information and to view a sample.

18 September 30, 2013 • WCBJ

Business — From page 8

parts that municipal government agencies need, competing to match the requirements from different municipalities. Once they think they’ve got the best price, the couple must submit their bids before the deadline. DTM sales have averaged between $450,000 and $500,000 in the past 18 years. Sales were up $30,000 in 2012 compared with $463,000 in 2011, James White said.

he couldn’t generate nearly enough capital to place hefty orders. “Although I had the knowledge, I had to continue to prove to the customers that I could keep up with their demands for parts in a timely manner,” White said. Ten years later, White decided to hire an assistant who became a “valuable asset” to his business. Sales began to grow and hit an all-time high of $612,000 in 2007 up from about $525,000 in 2005. But sales quickly dropped again during the recession. Within the past year, Darlene White lost her job after 26 years when Brunschwig & Fils, Inc., a wholesale fabrics retailer in

North White Plains, shut down in 2011. For 18 months, the couple grappled with plummeting sales and Darlene’s unemployment. “We really had to pick ourselves up,” James White said. “That’s when Darlene decided to join me in taking the company head on and we’ve become successful ever since.” The silver lining in the cloud was Darlene’s unemployment situation, James White said. Once the couple became business partners, they grew a deeper appreciation for one another and business became more efficient.

Darlene, who had extensive experience handling contracts and finances, knew exactly how to organize their home office in the basement. Labeling baskets for invoices and keeping folders neatly packed away inside filing cabinets, she’s ready to begin her day by 6 a.m. Her advice for minority women and other small business owners looking to work with government agencies is to “believe in yourself ” and “don’t be afraid.” “Opportunities are there – you just have to reach for it,” Darlene said. “There are gonna be times you’ll be down. That’s why you need a good support system.”

T:7.375 in

Her advice for minority women and other small business owners looking to work with government agencies is to “believe in yourself” and “don’t be afraid.”

YOUR CAPITAL FROM EVERY ANGLE.

T:8.5 in

DTM places orders for products ranging from $500 to $4,000 a day and delivers parts for county government agencies ranging from the bomb squad to the public works department. The Whites aim to provide the lowest prices for automotive parts the county’s government agencies request. Though the couple may not win every bid, they learned how to play the game smarter by doing their research and comparison price shopping in advance to knock out competitors. The couple recently closed a $3,500 bid in Rockland County and won by $4.50, which is the smallest margin they’ve ever had since first using the Empire bidding system. But the bidding wars never end. Each day, they start the process all over again. White decided to name his business after his wife and two daughters, Telisha and Melissa. “We liked the way ‘DTM’ sounded,” White said. “And every day that I think about my business name, I remember that my wife and my kids are what I’m trying to succeed for.” Despite White’s goals for success, he struggled to keep his business afloat in the beginning. Although there was a growing demand from buyers and suppliers who were interested in his middleman services,

Imagine a lender who listens and takes the time to get a full perspective on your borrowing needs and business goals. First Niagara brings together certain resources vital to building your company—including commercial lending. Our broad line of loan products combines the global expertise of a large institution with the local agility of a small, community bank. Lending decisions are made right here, just a stone’s throw from your office. First Niagara is here to help you grow your business. Let’s do great things. Together. VISIT FirstNiagara.com/CommercialLending C O M M E R C I A L B A N K I N G & L E N D I N G / T R E A S U RY M A N A G E M E N T / C A P I TA L M A R K E T S E Q U I P M E N T F I N A N C I N G & L E A S I N G / C O M M E R C I A L R E A L E S TAT E

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WCBJ • September 30, 2013

ACCESS. ADVOCACY.

Westchester County Association

ACTION.

ROB ASTORINO & NOAM BRAMSON

FACE OFF

ON WESTCHESTER’S BIGGEST ISSUES AT OCTOBER 16TH DEBATE Wednesday, October 16 from 5:30 to 7 pm Auditorium, 800 Westchester Avenue, Rye Brook, NY Note: Due to the large number already signed up, we may have to move the venue. We’ll keep you posted. Because space is limited, registration is required. Visit westchester.org or email events@westchester.org to sign up.

“Serving as an information resource to voters and as a voice for the Westchester business community are part of our core mission,” said Bill Mooney, President, Westchester County Association. “We’re pleased to present this debate and help people get up to speed on the issues and candidates’ positions. We pledge to work closely with the next county executive on initiatives that will drive economic growth in our region.”

One of the important outcomes of the BLUEPRINT for Westchester is Recruit Westchester, the collaborative job and internship fair that makes it easier and more cost-effective for employers to find employees, and students to find jobs or internships. Last year, close to 3,000 students and alumni attended this highly successful event, which led to hundreds of job interviews and placements in Westchester County. “Among Westchester County’s biggest assets are its highly educated workforce, over a dozen colleges and universities, vibrant business community, and a growing economy,” says Marissa Brett, WCA’s executive director of economic development. Besides being a $1.2 billion economic engine in Westchester, the higher education community provides the human resources and entrepreneurial systems within their institutions to advance economic development. “They grow, train, and attract the finest talent,” said Brett, who pointed out that the collaboration, fostered by the BLUEPRINT, not only benefits economic development in Westchester, it benefits the higher education community as well. “We believe that education itself blossoms when it is immersed in an environment of innovation, growth, and productivity.”

Employers are encouraged to sign up now for the next Recruit Westchester event: RECRUIT WESTCHESTER | A COLLABORATIVE JOB & INTERNSHIP FAIR Friday, October 18 from 1 to 5 pm | Hilton Westchester Hotel, Rye Brook, NY For sponsorship information and/or to secure your booth: tlavery@westchester.org Registration & information: recruitwestchester.org Featured Sponsors: Journal News Media Group, Career Builder, Westchester County Association, The BLUEPRINT for Westchester

20 September 30, 2013 • WCBJ

L LL

EADERSHIP

ER NN DI

EMPLOYERS: NEED GOOD EMPLOYEES? RECRUIT WESTCHESTER IS THE TICKET!

Above: Bramson, Mooney, Astorino

WCA

With election fever at its peak, voters are closely watching the hotly contested race for Westchester County Executive, the results of which will have farreaching implications for Westchester and beyond. To help you make a decision, the nonpartisan Westchester County Association, Westchester’s preeminent business organization, will host a debate on October 16th between Republican incumbent Rob Astorino and Democratic challenger, New Rochelle Mayor Noam Bramson. The WCA has lined up veteran political journalist Steve Scott, host of WCBS 880’s “Eye on Politics,” to moderate the event. Scott will take the candidates through a lively 90-minute debate on the issues most important to local taxpayers. WCA’s Astorino-Bramson debate is sponsored by the Building Contractors Association Westchester and Mid-Hudson Valley, Inc., the Construction Industry Council of Westchester & Hudson Valley, Inc. and the RPW Group, Inc.

SAVE THE DATE

Thursday, November 14 5:30–9:30 pm Hilton Westchester Hotel | Rye Brook, NY Special Guest:

ALFRED F. KELLY, JR. President & CEO 2014 NY/NJ Super Bowl Host Committee Silent Auction featuring fabulous items Early Bird Special! Before October 1: $275 members | $325 future members After October 1: $295 members; $350 future members For sponsorship opportunities, contact Tara Lavery at tlavery@westchester.org

YOUNG PROFESSIONAL GROUP EXECUTIVE BOARD FOR 2013-14 ANNOUNCED Over the past several months, the WCA’s Young Professional Group has ballooned to over 700 members, making it one of the most influential and useful hubs for the next generation of business leaders. It paves the way for our under-40 set to connect with their peers and have their voices heard in the community. Leading this dynamic group: OLIVIA ECKER, CHAIR Recently named a “Wunderkind of Westchester” by 914 Inc magazine, Olivia is the Facilities Coordinator, Communications at Regeneron Pharmaceuticals in Tarrytown, NY. ERICA FEYNMAN AISNER is a bankruptcy attorney and Partner at DelBello Donnellan Weingarten Wise & Wiederkehr, LLP. She serves as the liaison between the WCA and the Westchester County Bar Association. DEAN DeMOTT is a Business Development Manager at the accounting firm Citrin Cooperman, and is based in the firm’s White Plains, NY and Norwalk, CT offices. JUSTIN GARDNER Prior to joining Bleakley Platt & Schmidt, LLP as an associate attorney, Justin had accepted a judicial clerkship with the late Charles L. Brieant, U.S.D.J., former Chief Judge of the United States District Court of the Southern District of New York. JESSICA GLEASON is a patient experience coordinator at White Plains Hospital, and chair of the Junior League of Central Westchester. KEVIN McCARTHY is a vice president in CBRE’s Westchester/Fairfield office. He is a founding member of the WCA’s Young Professional Group. JOSEPH McCOY For the past two years, Joe has been a team leader of the Commercial and Industrial Lending Group at People’s United Bank. Prior to People’s, Joe spent eleven years with Valley National Bank. DREW McKAY is a project manager at the Arben Group, LLC, a heavy/civil construction company based in Pleasantville. He is a recent graduate of Leadership Westchester. MARC ROSA is Vice President, Wealth Management Advisor at Merrill Lynch where he has worked since 2002. GINA PACHLIN is a senior audit associate at CohnReznick, LLP and has worked in the firm’s White Plains office since 2009. BENJAMIN PALANCIA is the chief marketing officer of the Albert Palancia Insurance Agency (Mamaroneck, New York), where he has worked since 2001. JOSEPH PIZZIMENTI President of CClean, Inc., Joe is a trustee of the Building and Realty Institute, as well as vice president of the Westchester Coalition for the Hungry and Homeless. If you would like to learn more about the Young Professional's Group, please contact Marissa Brett at 914.385.1247 or mbrett@westchester.org.

FIVE TAKEAWAYS FROM OUR LUNCH & LEARN ON HEALTHCARE REFORM 1. Inform your employees about the ACA marketplace. Have you told your employees about the healthcare marketplace? Employers are required under the Fair Labor Standards Act to issue a Notice of Exchange to all employees—whether you provide health benefits or not—by October 1, and to every new employee hired after that date. Visit the Department of Labor for model notification notices.

2. Be prepared for questions. There's an abundance of information online about the new health benefits exchanges—and it's not always concise, or accurate. How will you help your employees understand their personal responsibility? Can you organize small group meetings or bring in plan representatives to prepare for the January 1 coverage mandate?

3. Review your health coverage options. Should you maintain your current health plan until the next renewal? Will it meet the ACA essential benefits standards that go into effect on January 1, 2014? Start strategizing now.

4. Dig deeper. As you consider health care plans for your business, look at what bang you're getting for your buck. The rates for plans offered in the marketplace may be lower than current rates—but what will you get? How big are the networks? Which doctors are available? What are the deductibles and out-of-network costs?

COMING UP

REGISTER AT WESTCHESTER.ORG YP OPEN FORUM & HAPPY HOUR Wednesday, October 2 5:30 pm Butterfield 8, White Plains Guest Speakers: Jeff Neeck and Amy Allen Government Reform, Call to Action, YP’s voices to be heard! COUNTY EXECUTIVE DEBATE Wednesday, October 16 5:30–7 pm Rob Astorino & Noam Bramson duke it out! 800 Westchester Avenue, 5th floor Space is limited; reservations a must! Sign up at events@westchester.org Sponsored by Building Contractors Association of Westchester & Mid-Hudson Valley, Inc., Construction Industry Council of Westchester & Hudson Valley, Inc; RPW Group, Inc. RECRUIT WESTCHESTER A Collaborative Job & Internship Fair Friday, October 18 1–5 pm Hilton Westchester Hotel, Rye Brook An easier and more cost-effective way for employers to find employees, and students to find jobs or internships. Sponsorship information and to secure your booth: tlavery@westchester.org Registration & info: recruitwestchester.org Featured Sponsors: Journal News Media Group, Career Builder, Westchester County Association, The BLUEPRINT for Westchester FALL LEADERSHIP DINNER Thursday, November 14 5:30–9:30 pm Special Guest: Alfred F. Kelly Jr., President & CEO, 2014 NY/NJ Super Bowl Host Committee Hilton Westchester Hotel, Rye Brook Early Bird Special! Before October 1: $275 (members); $325 (future-members) After October 1: $295 (members); $350 (future-members) For sponsorship opportunities, contact Tara Lavery at tlavery@westchester.org To register, visit westchester.org

5. Consider the impact of health plan decisions on your overall business strategy. How will the health care coverage you offer to employees affect your compensation plans? Competition for talent?

WCBJ • September 30, 2013

WE INVITE YOU TO BE OUR SPECIAL GUESTS AT OUR INAUGURAL AWARDS PROGRAM HONORING THE 2013 DOCTORS OF DISTINCTION.

DOCTORS of DISTINCTION Saluting those who go beyond the diagnosis

2013 HOSTED BY

THE BRISTAL 305 North St., White Plains

DATE / TIME

OCTOBER 24 5:30 to 7:30 p.m.

International award-winning musicians, delectable bites and spirits followed by the formal award ceremony.

SPONSORS

Reservations: Please visit westfaironline.com or contact Holly DeBartolo at (914) 358-0743

22 September 30, 2013 â&#x20AC;˘ WCBJ

SPECIAL elder REPORT care

With aging population comes need for a paradigm shift Palliative care becomes a focus for health care attorney

BY MARK LUNGARIELLO mlungariello@westfairinc.com

hronic conditions and prolonged illnesses are health-care realities that come with longer life expectancies and an aging population. There’s a growing need for palliative care – treatment that focuses on easing pain and suffering rather than looking to cure a disease, illness or condition. There’s already a shortfall of as many as 18,000 specialists in palliative care, with only one physician to every 20,000 older adults with a chronic condition, according to a recent NPR.org analysis. Mary Beth Morrissey, a health care attorney and researcher, said part of the solution is a collaborative approach from a wide range of medical professionals and physicians, including specialists with nonpalliative focuses. “It’s not a one-size-fits-all situation,” Morrissey said during a recent interview at the Westchester campus of Fordham University, where she is helping spearhead a post-graduate certificate on palliative care. The certificate program, administered through the school’s Graduate School of Business Administration, is a two-weekend, four-day intensive aimed at mid-career management or early-career professionals on the leadership track. The idea is to educate and equip a broad-base of medical professionals who can then incorporate palliative and longterm care as part of workforce management. “I think it’s the first certificate of its kind,” she said. The program, which held its first session over the summer, is run by the Collaborative for Palliative Care, a Westchester-based group that Morrissey founded and for which she is now president. That group came into existence after the 2005 White House Conference of the Aging with work from Mae Carpenter, commissioner of the county Department of Senior Programs and Services. The collaborative takes the approach of offering broad-based input for advocacy and research for the aging population, Morrissey said. The group hosts conferences and in-person meetings among medical professionals, volunteers and other parties. Morrissey received her B.A. degree from

Mary Beth Morrissey. Photo by Tom Stoelker

Fordham, then her J.D. from the university’s law school. “My career in law was quiet until I got into research,” she said. From there, she took her interest in health care to the next level, earning a master of public health from New York Medical College’s School of Public Health and her Ph.D. in gerontological social work from Fordham. She was appointed a fellow of Fordham’s Global Healthcare Innovation Management Center and focuses her legal practice on aging issues and health policy. Palliative care has only recently become a priority for health care providers, with mainstream medicine’s focus the reversal of symptoms or the curing of a disease. There is urgency behind a paradigm shift nationally and locally because of how large the older population has become and how much older it is likely to get. “It has just exploded,” she said. About 90 million Americans are living with serious illness, according to the Center

to Advance Palliative Care, and that number will double in the next quarter century with the aging baby boomer set. Also increasing is the number of “frail elderly” and people older than 85 years old. Chronic illnesses, dementia and long battles with diseases such as cancer and diabetes are increasingly and painfully commonplace. There are roughly 191,000 seniors living in Westchester County, with that number expected to grow in the coming years by as much as 63,000, according to the advocacy group The Westchester Public/Private Partnership for Aging Services. Morrissey said the numbers emphasize the need for a new way of doing business. Earlier palliative treatments or discussions about the treatments are beneficial not only to patients, but their families and medical professionals as well. The Center to Advance Palliative Care website cites statistics of a 2010 study that

said patients receiving early palliative care experienced less depression, quality of life and lived slightly longer than those who didn’t receive early care. There is another benefit to education and discussion, Morrissey said. The workforce shortage for palliative specialists results from several factors, including that most medical students don’t graduate with the goal of working with elderly patients. Education and an inclusive approach that transcends medical disciplines may change that. “We want to show them actually it’s rewarding and meaningful to work with older adults,” she said. Pace Women’s Justice Center will be honoring Morrissey and Steven Schurkman from White Plains-based law firm Keane and Beane for their efforts on behalf of the county’s aging at the center’s annual “Making a Difference” dinner on Oct. 16 at Tappan Hill in Tarrytown. WCBJ • September 30, 2013

elder care

Home health agencies key to helping patients choose appropriate care BY RAE SZYMANSKI

COs, MLTCPs, FIDA plans, Health Homes, Health Exchanges, Care Transitions: these terms have already become commonplace in the home health care sector and can be confusing and overwhelming to those outside of the industry. In today’s ever-changing health care landscape, the alphabet soup of acronyms and new terminology is matched only by the complexity of the new systems of care it represents. Understanding the meaning and implications of these new programs is essential to choosing the best path of care for oneself or for a loved one.

Even for a seasoned administrator or expert in the field, it is challenging to keep up with changes that are under way and to anticipate those that are still to come. An increase in the number of patient care options means that individuals will rely more and more on the guidance of professionals to determine the best path of care for their condition. The Visiting Nurse Association of Hudson Valley and organizations like ours have been making it part of their mission to help patients navigate the uncharted waters of these new health care models, so that they may access the best quality care available. Although the whole health care industry

has been affected, the home care sector in particular has experienced major changes in reimbursement and regulations at both the state and federal level. New York state Medicaid has dramatically changed the way it manages patients and reimburses providers for long-term care services in the home and in skilled nursing facilities. Beginning in January 2013, Medicaid patients in Westchester were mandated to enroll in a managed long term care program, or MLTCP, which receives a capitated amount per person to manage, coordinate and provide long term care services at home or in a skilled nursing facility. As a result, patients enrolled in the program will only have access

Serving the Hudson Valley and beyond for over 30 years

We acknowledge our colleagues’ contributions in pursuing justice for Westchester’s aging community

Steven Schurkman, Esq. Mary Beth Morrissey, Esq. 2013 Honorees

Pace Women’s Justice Center Annual Benefit Dinner October 16th

Business Transactions Construction Law Education Law Elder Law Environmental Law Intellectual Property & Technology Law Labor Relations & Employment Law Land Development & Zoning Litigation & Dispute Resolution Municipal Law Real Estate Trusts & Estates

914.946.4777 White Plains, NY

845.896.0120 Fishkill, NY

www.kblaw.com 24 September 30, 2013 • WCBJ

to the MLTCP’s contracted providers. New York has also been approved by the federal government to provide a demonstration program aimed at containing costs and at serving the needs of beneficiaries who are enrolled in both Medicare and Medicaid, known as “dual eligible.” This population is complex and challenging to serve, and a disproportionate amount of state funds go towards covering this group (more than twice the national average per individual). The proposed Fully Integrated Duals Advantage program, or FIDA, is a new managed care program that integrates all Medicare and Medicaid health care and long-term services. Enrolled “dual eligibles” will now need to ensure that their provider, hospital, and skilled nursing facility are providers under the FIDA plan and to understand what the changes mean for them if they are not. The federal government’s Affordable Care Act encourages whole patient population management through accountable care organizations, or ACOs, cost-sharing partnerships of health care providers, including medical groups, hospitals, skilled nursing facilities and home care providers. In this new model, the ACO is accountable for the quality, cost, and overall care of Medicare beneficiaries who enroll in the program. Its goal is to manage the health care needs of a quickly-growing aging population while ensuring the best possible outcomes at the lowest possible cost. In an ACO, care management and coordination is critical, especially for members with chronic conditions who are considered high risk for frequent hospitalizations and emergency department visits. As ACOs mature and proliferate, it will become increasingly important to understand how care will be affected if one’s medical provider is not part of the ACO. In order to ensure continuity of care for our patients, the Visiting Nurse Association of Hudson Valley, and other agencies like ours, are adapting to the evolving environment by partnering with new providers, including MLTCPs and ACOs. Quality care and the patient will remain front and center of everything we do and we will continue to advocate for both. Rae Szymanski is executive vice president and chief operating officer of Visiting Nurse Association of Hudson Valley in Tarrytown. She can be reached at rszymanski@vnahv.org or (914) 666-7616.

eLDer care

the abcs of snts (special needs trusts) BY ANTHONY J. ENEA

illions of baby boomers are coming of age. These individuals will soon have a significant impact on our medical and long-term care infrastructure. Often overlooked, however, is the fact that these baby boomers are also parents and caregivers to millions of non-elderly disabled children. Special needs trusts (SNT), also known as supplemental needs trusts, play an important role in the planning for a disabled child. The purpose of an SNT is to provide for the preservation of funds that are permitted to be available to a disabled person without affecting his or her eligibility for government benefits such as Medicaid and Supplemental Security Income (SSI). Depending on the benefits the disabled person is receiving, an SNT can be utilized for food, clothing, electronics, cellphone and other necessities.

third-party sNt A third-party SNT is a trust created and funded by someone other than the disabled beneficiary (generally a parent, grandparent or sibling). The source of funds for a thirdparty SNT should never be from the disabled person. Any individual can fund this type of trust without affecting the beneficiary’s entitlement to government benefits. The funding of a third-party SNT by a parent also has Medicaid planning benefits for the grantor since the transfer is considered an exempt transfer. Thus no period of ineligibility is created. A third-party SNT does not require payback to the government for benefits paid upon the death of the disabled person.

self-settled sNt or first-party sNt Self-settled trusts are either funded with a disabled beneficiary’s own funds or funds to which he or she is entitled (such as personal injury award or inheritance). In order for the disabled beneficiary to establish and fund a self-settled SNT, he or she must be disabled and under the age of 65. Upon the death of the disabled beneficiary, all remaining trust principal and accumulated income must be paid back to Medicaid as reimbursement for all benefits paid during his or her lifetime. Any funds left over may be paid to the named beneficiary of the trust.

pooled self-settled sNt A pooled self-settled SNT is managed by a nonprofit association. Although funds are pooled into the trust, a separate account is established for each individual beneficiary. Beneficiaries can be of any age. If he or she is over 65 years old, however, there is a penalty period for assets transferred to the pooled trust for Medicaid nursing home benefits.

These trusts are usually utilized where there is no family member to act as a trustee or when the beneficiary is over age 65. Depending on the terms of the pooled trust, the disabled person may be able to provide how the remaining balance of the account is to be distributed upon his or her death. This would, however, be subject to a payback to Medicaid. If the balance on death is retained by the pooled trust, then Medicaid is not entitled to a payback of the benefits paid. Pooled income-only trusts play an important role when the disabled beneficiary has a fixed income that exceeds the monthly amount permitted by the Community/ Home Care Medicaid program since contributing one’s excess income is permissible. The trust will pay the disabled beneficiary’s household expenses such as mortgage, rent

and taxes. The pooled trust, in many cases, allows the beneficiary to remain eligible for Medicaid home care.

sole benefits trust This special type of SNT has been increasing in popularity. Generally speaking, a sole benefits trust (SBT) is administered the same as a third-party SNT to preserve the beneficiary’s eligibility for Medicaid or SSI. The third-party parent funding the trust may also do so without incurring a transfer penalty for the purposes of his or her own eligibility for Medicaid and SSI. An SBT can be funded with a lump sum or annuity, but must be fully funded before the beneficiary reaches the age of 21. In the situation where the beneficiary’s ability to qualify for Medicaid or SSI is not a concern,

the SBT can often be administered to provide for his or her general health, education, welfare, support, maintenance and comfort. When Medicaid or SSI eligibility is a concern for the beneficiary and the third party funding the trust, neither party (nor their spouses) may act as a trustee. For an aging baby boomer with a disabled child or grandchild, a properly drafted SNT can provide a level of comfort knowing that a significant step has been taken to ensure his or her future care and wellbeing. Start the discussion early and take action to secure the best type of SNT for your circumstances. Anthony J. Enea. is a managing member of Enea, Scanlan & Sirignano L.L.P. with offices in White Plains and Somers. He can be reached at (914) 948-1500 or aenea@esslawfirm.com.

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Call us 24 hours/7 days a week for all of your needs. Corporate Address: 540 White Plains Road, Ste. 300 Tarrytown, NY 10591-5132 • (914) 666-7616

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WCBJ • September 30, 2013

elder care

The power behind power of attorney By Steven A. Schurkman

he power of attorney continues to reign supreme as the single most important estate and financial planning document, as it enables someone to handle the financial affairs of an individual who becomes incapacitated and unable to act for themselves. New York state adopted sweeping new power of attorney legislation Sept. 1, 2009, and further modifications in September 2010. This legislation drastically changes the power of attorney law previously in effect since the late 1990s and further reinforces the importance of having a power of attorney as part of your estate-planning arsenal. The importance of executing a power of attorney cannot be overemphasized. Someone who has not executed a power of attorney and who thereafter becomes incapacitated may not be able to access his or her own assets without initiating a court guardianship proceeding. Guardianship proceedings tend to be expensive, time consuming and unpleasant. The person ultimately selected by the court to

serve as guardian may not be someone who the individual would have selected. Guardianship proceedings can be avoided simply by having a power of attorney in place. Why should most adults have a power of attorney? Powers of attorney are an integral part of the estate and financial planning process. They are frequently used to authorize the agent to make gifts of the principal’s property, and under the new legislation, the principal must execute a separate statutory gifts rider to grant such authority to the agent. The primary purpose behind such gift giving is to allow for: • Estate tax reduction, which is particularly important to New York state residents leaving more than $1 million to an individual other than a spouse, an amount that is taxable; and • Protection of assets and allowing the principal to qualify for government assistance in the event the principal should encounter an uninsured long-term care crisis that requires home care or a nursing home stay, which neither Medicare nor private health insurance cover. Many people incorrectly believe that

they do not need a power of attorney when assets are owned jointly with another person. Although joint ownership of assets often allows the co-owner to access the assets when the other owner becomes incapacitated, joint ownership has legal and tax ramifications that may not be desired. Similarly, people often incorrectly believe that by designating a beneficiary on their accounts (whether on a retirement account, “in trust for” account, annuity or life insurance policy), the beneficiary can represent them in the event of incapacity. However, such beneficiary designations only take effect at the time of the death of the account or policy owner and do not provide for access to the assets during lifetime. While the law requires that valid powers of attorney signed prior to the 2009 legislation continue to be effective, it is strongly recommended that these older powers of attorney be updated to reflect the new legislation as financial institutions are becoming increasingly more familiar and comfortable with the new form. Over time, the continued use of pre-2009 power of attorney documents may result in delays in their use as financial institutions no longer readily rec-

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ognize the older forms. This can be particularly harmful to clients in need of immediate action to allow continued management of their financial resources. Take note that the new power of attorney legislation requires it not only be signed by the principal (i.e. the individual who is granting the authority to act), but for the first time it must also be signed by the agent (i.e. the individual who has been designated to act). It has no legal effect until it has been signed by both parties. Also be aware that the new form may not be amended or altered in any way, unless properly modified by a separate modifications section of the form. This is particularly relevant for the use of a springing power of attorney document that some people prefer. This is a power of attorney that becomes effective only on a certain date or upon the occurrence of a certain event, for example, upon a physician determining that you are incapacitated. The separate statutory springing power of attorney form provided for under the old law no longer exists. For people who now want such a document, specific language must be inserted in the modifications section. Attorney, page 27

elder care

Hospice care: Medicare’s best-kept secret By Mary K. Spengler

he Medicare health care system is complex and complicated with its variety of programs, types of coverage and forms that are often difficult to understand. One needs an advocate to assure that you can take advantage of the services that are available to you, to insist that you get the care you deserve and to facilitate payment for that care. In this midst of all the Medicare gaps, copays and deductibles, there is one program funded by Medicare that is relatively simple to understand, covers the continuum of care from home to hospital, pays for medications and durable medical equipment. Moreover, the program is holistic in nature, caring for the physical, social, psychological and spiritual welfare of the patient. And while other services provided under Medicare are limited to care of the patient only, this service is mandated to care for the family as well. It is hospice care as funded under the Medicare hospice benefits. The hospice benefit is available to individuals with a life-limiting illness who have decided to choose care and comfort as a goal rather than an aggressive treatment regime. Under this benefit, patients and families receive care from a team of trained professionals and community volunteers where you live – home, assisted living facility or a nursing home. When necessary, hospice care is provided on an inpatient basis at hospitals. Nurses, social workers, spiritual counselors, home health aides and volunteers visit the patient wherever they live and set up a plan

Attorney — From page 26

The use of a springing power of attorney under any circumstance can be problematic, however, as it requires confirmation that the action allowing the power of attorney to become effective (i.e. spring into effect) has occurred. The requirement to demonstrate to a financial institution that such “springing action” has “sprung” (e.g. the client is now of diminished capacity) mitigates the effectiveness of these documents. An alternative way to have a power of attorney become effective at a later date is to have the principal sign it,

of care to manage pain and other symptoms. The psycho-social needs of the family are also addressed, as caring for a loved one can be a difficult and emotional time. The hospice staff is available on-call, seven days a week, to attend to patient and family needs. Along with the services of the team already mentioned, the hospice benefit pays for medications related to the illness, durable medical equipment, oxygen and medical supplies – all at no cost to the patient. The hospice team works with your own physician whose services you keep under this benefit. Also, you can continue to seek care for other conditions that are not related to the hospice diagnosis. It is a rare example of the health care system at its best. A benefit that is all encompassing in its payment, that cares for the totality of the patient and family, that doesn’t interfere with the relationship between physician and patient and cares for you where you live. As Medicare’s best-kept secret, hospice needs to be shared with more people. Hospice is not a place, but a comprehensive health care service offered to anyone with any life-limiting diagnosis. These services enable people to live as fully and comfortably as possible in familiar surroundings. The sooner you call, the sooner hospice can help. Mary K. Spengler is executive director of Hospice & Palliative Care of Westchester, which provides comprehensive end-of-life care to people with any life-limiting illness who reside in Westchester County. For additional information, visit www.hospiceofwestchester.com or call (914) 682-1484.

but withhold delivery to the agent until the occurrence of a specific event. In advising clients about powers of attorney, as well as in estate planning generally, attorneys and other professionals need to be very cautious and careful. Documents should be reviewed regularly and updated to comport with current legislation and the client’s situation. Steven A. Schurkman is a principal member at Keane & Beane P.C. in White Plains, practicing in the trusts and estates and elder law areas. He can be reached at sschurkman@kblaw.com or (914) 946-4777.

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FACTS& FIGURES on the record Westchester Bankruptcies Manhattan B.K.V. Factory Inc., 122 West 29 St., Third floor, New York City 10001. Chapter 11, voluntary. Attorney: Douglas J. Pick, New York City. Filed Sept. 18. Case no. 13-13023. Global Rock Networks Inc., 747 Third Ave., Second floor, New York City 10017. Chapter 11, voluntary. Attorney: Jonathan S. Pasternak, White Plains. Filed Sept. 18. Case no. 13-13039. 75 East 125th L.L.C., 3145 Coney Island Ave., Brooklyn 11235. Chapter 11, voluntary. Attorney: Arnold Mitchell Greene, New York City. Filed Sept. 23. Case no. 13-13090. Cogi L.L.C., 425 Madison Ave., Suite 1700, New York City 10017. Chapter 11, voluntary. Attorney: Scott S. Markowitz, New York City. Filed Sept. 23. Case no. 13-13092. Quaker Hills L.L.C., 425 Madison Ave., Suite 1700, New York City 10017. Chapter 11, voluntary. Attorney: Scott S. Markowitz, New York City. Filed Sept. 23. Case no. 13-13093.

White Plains All Safe Fire Protection Inc., 835 Franklin Ave., Thornwood 10594. Chapter 11, voluntary. Attorney: Dawn Kirby Arnold, White Plains. Filed Sept. 19. Case no. 13-23568.

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 Gannett Drive, Suite G7 White Plains, N.Y. 10604-3407 Phone: 694-3600 • Fax: 694-3680

Orlando & Samy Associates Inc., et al. Filed by Cari Deutsch. Action: Court Cases diversity-account receivable claim. Attorney for plaintiff: Andre Scott PulsePoint Inc. Filed by Brian Goodstadt. Filed Sept. 19. Case no. Mount, et al. Action: wiretapping 13-06634. claim. Attorneys for plaintiff: Mario Man-Lung Choi, Frederic Scott Fox Sr., Donald R. Hall Jr., Laurence Big Time Toys L.L.C. Filed by David King and David A. Straite. Transcience, et al. Action: federal question: trademark claim. AttorFiled Sept. 18. Case no. 13-06592. ney for plaintiff: William Timmons. Filed Sept. 19. Case no. 13-06642. Flagship S B New York L.L.C., et al. Filed by Mohammed Hilmy. Action: claim filed under the Fair Dezz Drywall Construction Labor Standards Act of 1938. At- L.L.C. Filed by the New York City torney for plaintiff: Daniel Maimon District Council of Carpenters. AcKirschenbaum. Filed Sept. 18. tion: employee retirement claim. Attorney for plaintiff: Michael Alan Case no. 13-06598. Bauman. Filed Sept. 19. Case no. 13-06647. Experian Information Solutions Inc., et al. Filed by Michelle Girard. Action: claim filed under the Strong Partitions Inc. Filed by Fair Credit Reporting Act of 1970. trustees of the New York District Attorney for plaintiff: Fredrick Council of Carpenters Pension Schulman. Filed Sept. 18. Case no. Fund, Welfare Fund, Annuity Fund and Apprenticeship, Journeyman 13-06599. Retraining, Educational and Industry Fund, et al. Action: employee Varied Construction Corp. Filed retirement claim. Attorneys for by the trustees of The Sheet Metal plaintiff: Richard Brian Epstein and Workers’ International Associa- Charles R. Virginia. Filed Sept. 19. tion Local Union No. 28 Benefit Case no. 13-06648. Funds. Action: employee pension plan claim. Attorney for plaintiff: Dana Lynne Henke. Filed Sept. 20. Moregrace L.L.C., et al. Filed by Elias Matos. Action: claim filed unCase no. 13-06600. der the Fair Labor Standards Act of 1938. Attorney for plaintiff: RichSandoz Inc. Filed by Senju Phar- ard M. Garbarini. Filed Sept. 19. maceutical Co., Ltd, et al. Action: Case no. 13-06652. patent infringement claim. Attorneys for plaintiff: William Paul Deni Jr. and Elvin Esteves. Filed Hyde Your Eyes Optical Inc., et al. Filed by Richard Farmers. Action: Sept. 18. Case no. 13-06608. claim filed under the Fair Labor Standards Act of 1938. Attorney for Marcum L.L.P. Filed by Demezz plaintiff: Adam Charles Lease. Filed Hamilton. Action: claim filed un- Sept. 19. Case no. 13-06653. der the Civil Rights Act of 1964. Attorney for plaintiff: Jason Jerome Rozger. Filed Sept. 19. Case no. Nylon Holdings Inc. Filed by BWP Media USA Inc. Action: copyright 13-06610. infringement claim. Attorney for plaintiff: Craig B. Sanders. Filed TJX Companies Inc., et al. Filed Sept. 19. Case no. 13-06654. by Anitrea Montgomery. Action: claim filed under the ShermanClayton Act of 1914. Attorney Regent Private Capital L.L.C., et for plaintiff: Christopher Quincy al. Filed by Reed Energy L.L.C., et Davis. Filed Sept. 19. Case no. al. Action: diversity-account receivable claim. Attorneys for plaintiff: 13-06611. Matthew Charles Browndorf and Rudyard W. Ceres. Filed Sept. 19. Society of The Third Street Mu- Case no. 13-06656. sic School Settlement Inc. Filed by Eduvigis Loayza. Action: claim filed under the Civil Rghts Act of American Express Co. Filed by 1964. Attorney for plaintiff: Re- Markus Burrel. Action: claim filed becca Nathanson. Filed Sept. 19. under the Family and Medical Leave Act of 1993. Attorney for Case no. 13-06629. plaintiff: George Dean Vallas. Filed Sept. 19. Case no. 13-06658.

Bayer Healthcare Pharmaceuticals Inc. Filed by Amanda Ritzert. Action: designation by U.S. Attorney of individual to accept service of summons and complaint. Attorneys for plaintiff: Charles H. Johnson and Jonathan R. Mencel. Filed Sept. 18. Case no. 13-06585. th Street Corp., et al. Filed P&S 86 by Arturo Acevedo. Action: denial of overtime compensation claim. Bayer Healthcare PharmaceuAttorneys for plaintiff: Justin Ci- ticals Inc. Filed by Jennifer Danlenti and Peter Hans Cooper. Filed ley. Action: diversity-product liSept. 20. Case no. 13-06666. ability claim. Attorneys for plaintiff: Charles Andrew Childers, Richard Lin Kumo Japenese Restaurant R. Schlueter and Michael BranInc., et al. Filed by Run Guo Zhang, don Smith. Filed Sept. 18. Case no. et al. Action: claim filed under the 13-06586. Fair Labor Standards Act of 1938. Attorney for plaintiff: John Troy. Bayer Healthcare PharmaceutiFiled Sept. 20. Case no. 13-06667. cals Inc. Filed by Ashley MacDonald. Action: diversity-product li701 Dell Inc., et al. Filed by Caro- ability claim. Attorney for plaintiff: lyn Coleman. Action: claim filed Daniel Julian McGlynn. Filed Sept. under the Americans with Dis- 18. Case no. 13-06587. abilities Act of 1990. Attorney for plaintiff: Donald Jeffrey Weiss. Filed Bayer Healthcare PharmaceutiSept. 20. Case no. 13-06671. cals Inc. Filed by Jessica Van Dusen. Action: diversity-product liNYPS L.L.C., et al. Filed by Pat- ability claim. Attorneys for plaintiff: rick Matheis, et al. Action: denial of Charles Andrew Childers, Richard overtime compensation claim. At- R. Schueter and Michael Brandon torneys for plaintiff: Dana Lauren Smith. Filed Sept. 18. Case no. Gottlieb, Jeffrey Michael Gottlieb 13-06588. and Douglas Brian Lipsky. Filed Sept. 20. Case no. 13-06682. Bayer Healthcare Pharmaceuticals Inc. Filed by Sally McAdam. Skyworks Solutions Inc. Filed Action: diversity-product liability by Wiav Solutions L.L.C. Action: claim. Attorney for plaintiff: Camdiversity-account receivable claim. eron Blount. Filed Sept. 18. Case no. Attorneys for plaintiff: David Glenn 13-06591. Ebert and Christina Yujin Kim. Filed Sept. 20. Case no. 13-06683. Ojibwa Construction Corp. Filed by Trustees of the Structural Steel Xtreme Auto Sales II Inc., et al. and Bridge Painters of Greater New Filed by Arelene Tiller. Action: York Employee Trust Funds, et al. truth in lending claim. Attorney for Action: claim filed under the Labor plaintiff: Peter Thomas Lane. Filed Management Relations Act of 1947. Attorney for plaintiff: Dana Lynne Sept. 18. Case no. 13-06582. Henke. Filed Sept. 18. Case no. 13-06601. Bayer Healthcare Pharmaceuticals Inc. Filed by Megan Slone. Action: designation by U.S. Attor- Baker Sanders L.L.C. Filed by ney of individual to accept service Nick Dimarzo. Action: claim filed of summons and complaint claim. under the Fair Debt Collection Attorney for plaintiff: Timothy J. Practices Act of 1975. Attorney for Becker, Rolf Fiebiger and Michael plaintiff: Allison Diana Polesky. K. Johnson. Filed Sept. 18. Case no. Filed Sept. 18. Case no. 13-06607. 13-06583. Bayer Healthcare PharmaceutiBayer Healthcare Pharmaceuti- cals Inc. Filed by Diama Olatuncals Inc. Filed by Dentrisha White. bosun. Action: diversity-product Action: diversity-citizenship claim. liability claim. Attorney for plainAttorney for plaintiff: Daniel Julian tiff: Edward Frances Blizzard. Filed McGlynn. Filed Sept. 18. Case no. Sept. 19. Case no. 13-06644. 13-06584. Bayer Healthcare Pharmaceuticals Inc. Filed by Vanessa Valdes. Action: diversity-product liability claim. Attorney for plaintiff: Edward Frances Blizzard. Filed Sept. 19. Case no. 13-06645. The Montas Corp. Filed by Juan Roberto Ramirez, et al. Action: denial of overtime compensation claim. Attorneys for plaintiff: Justin Cilenti and Peter Hans Cooper. Filed Sept. 20. Case no. 13-06665.

Bayer Healthcare Pharmaceuticals Inc. Filed by Amanda Armas. Action: diversity-product liability claim. Attorneys for plaintiff: Charles Andrew Childers, Richard R. Schlueter and Michael Brandon Smith. Filed Sept. 19. Case no. 13-06646. P.H.D. Holding Corp. Filed by Edward O’Hara. Action: federal question claim. Attorney for plaintiff: Scott J. Steiner. Filed Sept. 20. Case no. 13-06661. Novartis Pharmaceuticals Corp. Filed by Adarella Deylii. Action: equal rights under the law claim. Attorney for plaintiff: Michael David Diederich, Jr. Filed Sept. 20. Case no. 13-06669. Brisam Anchorage L.L.C., et al. Filed by the trustees of the National Retirement Fund. Action: employee retirement claim. Attorneys for plaintiff: Stephanie Myers Bersak and David C. Sapp, Jr. Filed Sept. 20. Case no. 13-06688.

Deeds Above $1 million 10 Hook Road L.L.C., Rye. Seller: Vincent E. Borgese, et al, Rye. Property: 10 Hook Road, Rye. Amount: $1.7 million. Filed Sept. 19. 140 FA Associates L.L.C., Armonk. Seller: Jane M. Jozefek, et al, Rye. Property: 140 Forest Ave., Rye. Amount: $2.7 million. Filed Sept. 23. 22 Murray Hill Road L.L.C., Scarsdale. Seller: Warren J. Sinsheimer, et al, Scarsdale. Property: 22 Murray Hill Road, Scarsdale. Amount: $4.5 million. Filed Sept. 19. 322 Succabone Road L.L.C., White Plains. Seller: Two Limited L.L.C., Armonk. Property: 322 Succabone Road, Bedford. Amount: $1 million. Filed Sept. 19. 4 Harding Drive Associates L.L.C., Rye. Seller: Douglas Choron, Rye. Property: 4 Harding Drive, Rye. Amount: $1.1 million. Filed Sept. 20. Continental Buchanan L.L.C., Dallas, Texas. Seller: Lafarge North America Inc., Reston, Va. Property: 350 Broadway, Cortlandt. Amount: $55.7 million. Filed Sept. 20.

WCBJ • September 30, 2013

NEWSMAKERS plus awards and events Two top agents join Douglas Elliman

Pediatric ENT joins group

TORY MILLER and DEBBIE GOLDENBERG, two of Westchester’s top-producing real estate specialists, have been welcomed to the Chappaqua brokerage of Douglas Elliman Real Estate. The two were formerly at Houlihan Lawrence and are now partnering together as the Miller Goldenberg Team at Douglas Elliman, which is one of New York’s largest residential brokerage, with more than 70 offices in New York City, Long Island, the Hamptons, Westchester and Putnam counties and South Florida. “Tory and Debbie’s extensive experience representing buyers and sellers in Chappaqua and throughout Westchester County make them a perfect addition to the Douglas Elliman team,” said Gabe Pasquale, executive vice president and regional director. “Both are longtime area residents with a deep understanding of Westchester’s communities. We are thrilled that they have joined us.” Miller, an award-winning real estate sales agent with an extensive knowledge of the local real estate market, was a director of marketing for several Fortune 500 companies, including Unilever and The Limited, before entering the real estate field. She developed marketing, sales, negotiation and communication skills in, which positioned her well in real estate sales. Miller is currently a co-chairman of the New Castle Historical Society House Tour and a member of Westchester PTA, the Real Estate Buyers Agency Council and the Fairfield County and Connecticut Multiple Listing Service. Goldenberg has served a diverse real estate clientele ranging from first-time homebuyers to empty nesters, as well as reloca-

ENT AND ALLERGY ASSOCIATES L.L.P. (ENTA), based in Tarrytown, has added fellowship-trained pediatric otolaryngologist A. Paul Vastola to its Staten Island and Brooklyn Heights offices effective spring 2014.  Vastola graduated from the University of Wisconsin with a Bachelor of Science degree in molecular biology and received his medical degree from the Boston University School of Medicine where he earned placement on The National Deans List and was awarded membership in the Alpha Omega Alpha honor society. He completed his preliminary residency in general surgery at The New York Hospital-Cornell Medical Center and completed his otolaryngology residency at Manhattan Eye, Ear and Throat Hospital in 1994. He then had a fellowship in pediatric otolaryngology at the Baylor College of Medicine-Texas Children’s Hospital. Vastola has authored numerous presentations and publications on topics related to pediatric otolaryngology and has participated in multiple medical missions overseas. He is licensed in medicine by the state of New York and board certified by the American Board of Otolaryngology. A seasoned ENT physician, Vastola joins ENTA from Maimonides Medical Center in Brooklyn, where he served as the director of pediatric otolaryngology as well as associate director of the cleft lip and palate service. He has also served as assistant professor of surgery at SUNY Downstate. “Our vision is to provide a superbly trained and credentialed multidisciplinary team to our communities and offer our patients a comprehensive roster of services in a single location. Adding a pediatric fellowship-trained physician like Vastola to both Brooklyn Heights and Staten Island helps us ensure that mission can be accomplished,” said Robert Glazer, ENTA CEO.

tions, banks and corporations. As a certified home stager, she has prepared many homes in the area and sold them quickly. Prior to real estate, Goldenberg spent 15 years in fashion and design in New York City as head designer and design director for prominent handbag and accessories companies. She holds a BA from Tulane University and trained in design at F.I.T. She is a member of the New York State Association of Realtors and headed the House Committee at Temple Beth El of Northern Westchester for many years. Both serve as members of the Hudson Gateway Association of Realtors, Empire Access Multiple Listing Service and National Association of Realtors.

New director at O’Connor Davies

New board members for ACG DAVID ACHARYA, partner, Ascend Global Investments; DAVID HELLIER, partner, Bertram Capital; MICHAEL D. SCHWAMM, partner, Duane Morris; and JONATHAN FLAKS, leadership coach, Jonathan Flaks Coaching Associates Inc., are the new board members appointed by ACG New York Inc., the association for middle-market deal-making professionals. Also appointed is Tanya Marvin-Horowitz to fill the new position of vice president international. The three-year term appointments were effective as of Sept. 1. Flaks, who is based in Dobbs Ferry, is the organization’s vice president for Westchester programming. He and Marvin-Horowitz are members of ACG New York’s operating committee. ACG New York also reappointed its chairman, president,

30 September 30, 2013 • WCBJ

secretary and treasurer to an additional one-year term. They are, respectively, Stephen V. Prostor, a director, senior credit officer and head of loan syndications at Citi Private Bank; Martin Okner, managing director, SHM Corporate Navigators; Michael Kliegman, partner, PricewaterhouseCoopers L.L.P.; and Maureen McCarthy, principal, Law Offices of M.W. McCarthy. A leading membership organization in New York facilitating relationship building and focused education for middle-market deal-making professionals, ACG has more than 8,000 professionals participate in its 70-plus networking and educational events in New York City, Westchester and Long Island, including health care, manufacturing and logistics and retail conferences.

NOAM HIRSCHBERGER has joined O’Connor Davies L.L.P. as a director in the financial services and business valuation groups. Hirschberger has more than eight years of experience developing advanced financial models, including discounted cash flow, comparable security and Black-Scholes analyses, used for valuation of businesses, intangible assets and derivatives. He has analyzed companies in many industries, including real estate, technology, chemicals and financial services. Hirschberger also has extensive experience with hedge funds, private equity and other investment companies. He earned an MBA at the University of Illinois and a BA in international affairs from George Washington University. Hirschberger will be based in the firm’s New York City office. O’Connor Davies is a full-service certified public accounting and consulting firm with roots tracing back to 1891, seven offices located in New York, New Jersey and Connecticut and approximately 400 professionals.

DermaTologIsT joIns wHITe plaIns HospITal Lesa KeLLY, M.D., of New Rochelle, a recognized dermatologist with a well-established practice in the Sound Shore community, joined White Plains Hospital Physician Associates, a division of the hospital aligning local physicians with hospital services. She will have an office in the hospital’s new space at 1296 North Ave. A summa cum laude and Phi Beta Kappa graduate from Boston College in 1987, Kelly received her medical degree from New York Medical College in 1991, graduating as valedictorian. She completed her residency in dermatology, serving as chief resident. Kelly practiced in Long Island, during the first few years of her career before opening her own practice in New Rochelle in 1998. She is board-certified in dermatology and specializes in routine dermatological screening, as well as the treatment of a variety of skin conditions for adults and children. “We are very happy to welcome Dr. Kelly into our group of skilled and talented physicians,” said Susan Fox, president of White Plains Hospital. “Her two decades of experience in dermatological care are a wonderful addition for us as we grow our physician base and branch out into the Sound Shore area.”

Been promoted?

Dates OCT

OCT

hospice & paLLiatiVe care of westchester 12th aNNUaL “iN ceLebratioN” gaLa cocKtaiL receptioN at the Westchester Country Club, 99 Biltmore Ave., Rye from 5:30 to 7:30 p.m. Enjoy a vast array of culinary delights, an open bar, entertainment and tribute to honorees, Mae Carpenter, commissioner, Westchester County Department of Seniors Programs & Services and Kenneth J. Doka, professor of gerontology at the Graduate School of The College of New Rochelle and senior consultant to the Hospice Foundation of America. For more information contact Holly Benedict at (914) 682-1484, ext. 122 or hbenedict@hospiceofwestchester.com. fifth aNNUaL piNK carpet eVeNt for breast caNcer awareNess from 6 to 10 p.m. at Fig & Olive, 696 White Plains Road, Scarsdale. Meet Amanda Bertoncini from Bravo’s “Princesses of Long Island,” enjoy hors d’ oeuvres, a buffet, music and giveaways. There is a $20 admission, a portion of which will benefit the American Cancer Society. For more information, contact Michelle Madaffari at michellemadaffari@gmail.com or call (914) 424-6793.

OCT

wiNe, MUsic aND pUppies with gUiDiNg eYes graduates, renowned sommelier Amy Dixon and musician Blessing Offor, 3 to 6 p.m. at Guiding Eyes’ headquarters and training center, 611 Granite Springs Road, Yorktown Heights. Following a sparkling wine reception sponsored by Zachys Wine & Liquor, Dixon and Offor will lead guests in a paired music performance and guided wine tasting. Tasting wines will be provided by Suburban Wines. Tickets start at $60. Premium tickets are available for $125 and include a gift bag with a bottle of wine hand-selected by Dixon. For more information, contact Erica Stanzione at (914) 243-2238 or estanzione@ guidingeyes.org.

OCT

March of DiMes beNefit at the Westchester Country Club, 99 Biltmore Drive, Rye, will be an evening filled with fabulous food, wonderful wine and amazing auction items. Tickets are only $150 each, a pair for $250 or a table of 10 for $1,000. For more information, contact Martin Ball at (914) 417- 3222.

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FACTS&FIGURES HZBR L.L.C., Elmsford. Seller: Breezemont Realty Corp., New York City. Property: 62-64 Cox Ave., North Castle. Amount: $1.5 million. Filed Sept. 19. Old Orchard Realty Properties L.L.C., New York City. Seller: White Willow L.L.C., West Harrison. Property: 1503 Old Orchard St., North Castle. Amount: $2.6 million. Filed Sept. 20. Old Post Realty L.L.C., White Plains. Seller: Taylor Family Partnership L.P., et al, Hawthorne. Property: 797 Old Post Road, Bedford. Amount: $6.3 million. Filed Sept. 23. The Salvation Army, New York City. Seller: Valley Street Associates L.L.C., Hartsdale. Property: 90 Valley St., Mount Pleasant. Amount: $2.8 million. Filed Sept. 23.

Below $1 million

Federal National Mortgage Association. Seller: William N. Homer Jr., New Rochelle. Property: 11 Shenorock Drive, Somers. Amount: $236,182. Filed Sept. 18.

ELMSFORD, 6 Crest Place. Single-family residence, .12 acre. Plaintiff: Deutsche Bank National Trust Co. Plaintiff’s attorney: Fein, Such & Crane, (973) 538-4700, 747 Chestnut Ridge Road, Suite Grasso Brothers General Con- 200, Chestnut Ridge. Defendant: tracting Inc., New Rochelle. Seller: Melchor Garita. Referee: Darren Harriet Lynne Nordan, et al, New Deurso. Sale: Oct. 7, 9 a.m. ApproxRochelle. Property: 316 Lyncroft imate lien: $406,877.53. Road, New Rochelle. Amount: $550,000. Filed Sept. 23. MAMARONECK, 650 Baldwin Place. Single-family residence, .56 Idaho Realty L.L.C., Plainview. acre. Plaintiff: The Bank of New Seller: Fort 2011-I REO L.L.C., New York Mellon Trust Co. Plaintiff’s York City. Property: 92 Orchard St., attorney: Sheldon May & AssociYonkers. Amount: $40,000. Filed ates, (516) 763-3200, 255 Merrick Road, Rockville Centre. Defendant: Sept. 19. Rogerio Freitas. Referee: Darren DeUrso. Sale: Oct. 9, 12:30 p.m. ApJin Shing Property L.L.C., Brook- proximate lien: $663,200.00 lyn. Seller: 349 South Broadway L.L.C., White Plains. Property: 349 VERNON, 141-143 S. Broadway, Yonkers. Amount: MOUNT th Ave. Apartment; .12 acre. S. 13 $350,000. Filed Sept. 18. Plaintiff: Wachovia Mortgage FSB. Plaintiff’s attorney: Druckman & Linvic Corp., Croton on Hudson. Sinel, (516) 876-0800, 242 Drexel Seller: Clearvue Opportunity XVIII Ave., Westbury. Defendant: Barbara L.L.C., New Port Beach, Calif. Prop- Marchione. Referee: Albert Comaerty: 33 Old Locust Ave., Cortlandt. chio. Sale: Oct. 1, 10:15 a.m. ApAmount: $260,000. Filed Sept. 20. proximate lien: $561,399.56.

11 Springdale L.L.C., Larchmont. Seller: Gary A. Mosk, et al, Scarsdale. Property: 11 Springdale Road, Two Van Cortlandt Park Corp., Scarsdale. Amount: $975,000. Filed Scarsdale. Seller: Anthony Sposato, West Harrison. Property: 2 Van Sept. 20. Cortlandt Park, Yonkers. Amount: $480,000. Filed Sept. 19. 155 Southside Realty Corp., Hastings-on-Hudson. Seller: Goulet Associates Ltd., Hastings- U.S. Bank N.A. Seller: Howard on-Hudson. Property: 155 South- Fred Dubs, Mount Kisco. Propside Ave., Greenburgh. Amount: erty: 43 McGeory Ave., Yonkers. Amount: $549,504. Filed Sept. 19. $450,000. Filed Sept. 19. 19 Archer L.L.C., Greenwich, Conn. Seller: Brian Bochow, Mount Vernon. Property: 19 Archer Ave., Mount Vernon. Amount: $220,000. Filed Sept. 23.

Vernon Randolph L.L.C., Scarsdale. Seller: Stanley Esposito, Pleasantville. Property: 59 Mount Vernon Ave., Mount Vernon. Amount: $750,000. Filed Sept. 23.

40 North Mac Realty Corp., Foreclosure Mount Vernon. Seller: North MacQuesten Realty L.L.C., Yonkers. Auctions Property: 33 MacQuesten Parkway North, Mount Vernon. Amount: AMAWALK, 44 Greenlawn Road. $350,000. Filed Sept. 24. Single-family residence, 1.96 acre. Plaintiff: Aurora Loan Services Bayview Loan Servicing L.L.C., LLC. Plaintiff’s attorney: SandCoral Gables, Fla. Seller: Chris- elands Eyet LLP, (212) 502-7169, topher B. Meagher, White Plains. 112 W. 34 St., New York City. DeProperty: 54 Lake Kitshawan Drive, fendant: Cheryl Duboff. Referee: Lewisboro. Amount: $468,660. Richard Glickel. Sale: Oct. 3, 10 a.m. Filed Sept. 18. Approximate lien: $799,984.00. Brianni Construction of Westchester Inc., Yorktown Heights. Seller: Philip Apruzzese, Yorktown Heights. Property: 1989 Allan, Yorktown. Amount: $200,000. Filed Sept. 19.

CHAPPAQUA, 15 Neustadt Lane. Single-family residence, 2.0 acre. Plaintiff: Emigrant Mortgage Company Inc. Plaintiff’s attorney: Knuckles, Komosinski & Elliot, (914) 345-3020, 565 Taxter Road, Suite 509, Elmsford. Defendant: Federal National Mortgage As- William Epter. Referee: John Papsociation. Seller: Jose Perez, et al, palardo. Sale: Oct. 3, 10 a.m. ApOssining. Property: 192 Sixth St., proximate lien: $729,018.00. Cortlandt. Amount: $296,210. Filed Sept. 24.

32 September 30, 2013 • WCBJ

YONKERS, 72 Orchard St. Twofamily dwelling, .1 acre. Plaintiff: Shaw Funding LP. Plaintiff’s attorney: Irwin Popkin, 445 Broad Hollow Road, Melville. Defendant: Joam LLC. Referee: Angelyn Johnson. Sale: Oct. 4, 11 a.m. Approximate lien: $641,600.00.

Oakridge Fitness Center Corp., South Salem. $11,875 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Oct. 17.

All Safe Fire Protection Inc., Thornwood. $1,813 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Oct. 17.

United Mortgage Brokerage Inc., Plainview. $433,489 in favor of Elliot, Maria, as co-executor of Residential Home Funding Corp., the estate of Monica Lucy Fontana, et al. Filed by Financial Freedom White Plains. Filed Sept. 20. Acquisition L.L.C. Action: seeks to foreclose on a mortgage to secure $544,185 affecting property located Lis Pendens at 120 Jennifer Court, Yorktown Heights 10598. Filed May 28. The following filings indicated a legal action has been initiated, the out- Farbstein, Cheryl S., et al. Filed come of which may affect the title to by Wells Fargo Bank N.A. Action: the property listed. seeks to foreclose on a mortgage to secure $840,000 affecting property Altieri, Salvatore, et al. Filed by located at 30 Lawridge Drive, Rye Bank of America N.A. Action: seeks Brook 10573. Filed May 28. to foreclose on a mortgage to secure $222,400 affecting property located Fowler, Pamela, et al. Filed by at 100 High Point Drive, unit 806, Household Finance Realty CorpoHartsdale. Filed May 29. ration of New York. Action: seeks to foreclose on a mortgage to secure Balmori, Zandrew R., et al. Filed $422,928 affecting property located by Wilmington Trust N.A. Action: at 92 Hillcrest Road, Mount Vernon seeks to foreclose on a mortgage to 10552. Filed May 28. secure $384,000 affecting property located at 1348 Howard St., Peek- Godoy, Juan, et al. Filed by Wells skill 10566. Filed May 24. Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure Briskin, Mary Katherine, aka $320,000 affecting property located Mary Katherine Loguidice, et at 106 Webster Ave., New Rochelle al. Filed by Bank of America N.A. 10801. Filed May 24. Action: seeks to foreclose on a mortgage to secure $333,925 affect- Hamilton, Condell Ken, et al. ing property located at 7 Tommy Filed by PSB Funding Corp. Action: Thurber Lane, Montrose 10548. seeks to foreclose on a mortgage Filed May 24. to secure $552,000 affecting property located at 431 Homestead Ave., Bullock, Todd E., et al. Filed by Mount Vernon. Filed May 28. Citibank N.A. Action: seeks to foreclose on a mortgage to secure Hart, Kenneth W., et al. Filed by $60,000 affecting property located Emigrant Mortgage Company at 181 Brookdale Drive, Yonkers. Inc. Action: seeks to foreclose on a Filed May 24. mortgage to secure $1.1 million affecting property located at 816 Lake Caceres, Alberto, et al. Filed by St., West Harrison. Filed May 28. The Bank of New York Mellon. Action: seeks to foreclose on a mort- Hodes, Paul, et al. Filed by gage to secure $524,000 affecting Deutsche Bank National Trust property located at 103 Chester Co. Action: seeks to foreclose on a Drive, Yonkers 10710. Filed May 24. mortgage to secure $361,250 affecting property located at 3747 Barger Campbell, Alphe L., individually St., Shrub Oak 10588. Filed May 24. and as administrator of the estate of Monica A. Campbell, et al. Filed by Jassi, Barjinder, et al. Filed by EverBank. Action: seeks to foreclose Mid-Island Mortgage Corp. Action: on a mortgage to secure $237,500 seeks to foreclose on a mortgage to affecting property located at 366 secure $409,500 affecting propHutchinson Blvd., Mount Vernon erty located at 69 High St., Yonkers. 10552. Filed May 28. Filed May 28.

Caragine, Cecelia, individually and as administratrix of the estate of Vincent Caragine, et al. Filed by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located Ojibwa Construction Inc., Tarry- at 305 Warburton Ave., Yonkers town. $263 in favor of the New York 10701. Filed May 29. State Department of Labor Unemployment Insurance Division, Al- Cushman, Roseanna Napoli, aka bany. Filed Oct. 17. Rosanna Napoli-Norkman, et al. Judgments Filed by The Huntington National Bank. Action: seeks to foreclose on Traffic Moving Systems Inc., All In One Roofing L.L.C., Hawthorne. $44,063 in favor of Century Yonkers. $6,446 in favor of Jack Pe- a mortgage to secure $343,000 afSurety Co., Westerville, Oh. Filed dowitz Enterprises Inc., Oceanside. fecting property located at 2 Hillside Crescent, New Rochelle 10804. Filed Sept. 17. Sept. 23. Filed May 24.

Automotive Technical Services Inc., Peekskill. $479 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Oct. 17.

Benjamin Fiering Construction Inc., Peekskill. $23,424 in favor MOUNT VERNON, 209 Egmont of the Insurance Company of the Ave. Single-family residence, .05 State of Pennsylvania, New York acre. Plaintiff: US Bank National City. Filed Sept. 17. Association. Plaintiff’s attorney: Frenkel, Lambert, Weiss, Weisman Benny’s Auto Body, Mount Ver& Gordon, (631) 969-3100, 53 Gib- non. $339 in favor of the New York son St., Bay Shore. Defendant: Jor- State Department of Labor Unemetha Quarless. Referee: Paul Milkus. ployment Insurance Division, AlSale: Oct. 7, 10 a.m. Approximate bany. Filed Oct. 17. lien: $457,056.36. RYE BROOK, 4 Longledge Drive. Single-family residence, .62 acre. Plaintiff: Manufactures and Traders Trust Co. Plaintiff’s attorney: Costello Cooney & Fearon PLLC, (315) 422-1152, 500 Plum St., Suite 300, Syracuse. Defendant: Robert Witt. Referee: Gerald Geisi. Sale: Oct. 9, 10 a.m. Approximate lien: $507,454.00. WHITE PLAINS, 11 Wyanoke St. Single-family residence, Lot size: Not available. Plaintiff: Wells Fargo Bank National Association. Plaintiff’s attorney: Druckman & Sinel, (516) 876-0800, 242 Drexel Ave., Westbury. Defendant: Alfonzo Choice. Referee: Darren Deurso. Sale: Oct. 1, 9 a.m. Approximate lien: $578,764.00. YONKERS, 36 Orchard St. Apartment, .14 acre. Plaintiff: CYTL 2012. Plaintiff’s attorney: Jeffrey I. Klein, 445 Hamilton Ave., White Plains. Defendant: Kubakaba Realty Corp. Referee: Robert Horne. Sale: Oct. 3, 9:30 a.m. Approximate lien: Not available.

Carlo Lizza and Sons Paving Inc., Hicksville. $12,798 in favor of Tomcon Industries Inc. Mount Vernon. Filed Sept. 16. Filpo Spices Inc., Mount Vernon. $16,374 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Oct. 17. Haldean Sheet Metal Fabricators Inc., Briarcliff. $3,842 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Oct. 17. Ivory Coast Mission, New Rochelle. $14,201 in favor of 459 Webster Ave L.L.C., Mamaroneck. Filed Sept. 19. Larchmont Bicycle, Mamaroneck. $7,583 in favor of Downeast Bicycle Specialists, Fryburgh, Me. Filed Sept. 17. Lounge New York, White Plains. $3,986 in favor of Pajar Distribution Ltee, Montreal, Canada. Filed Sept. 23.

Kelly, Kathleen A., 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 6304 Villa at the Woods, C504, Peekskill 10566. Filed May 24. Maffei, Massimo, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $400,000 affecting property located at 3606 Edgehill Road, Yorktown Heights 10598. Filed May 24. Mancuso, Mary L., et al. Filed by Deutsche Bank Trust Company Americas. Action: seeks to foreclose on a mortgage to secure $575,200 affecting property located at 8 Topland Road, Hartsdale 10530. Filed May 24. Mastroianni, Doreen R., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $250,250 affecting property located at 2913 Springhurst St., Yorktown Heights 10598. Filed May 29. Mayo, Carol A., et al. Filed by OneWest Bank F.S.B. Action: seeks to foreclose on a mortgage to secure $487,500 affecting property located at 608 Mallard Way, Unit F-8, Peekskill 10566. Filed May 24. McIntyre, Margaret, 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 215 S. First Ave., Mount Vernon 10550. Filed May 29. Mitchell-Wright, Hazel, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $376,627 affecting property located at 630 Lafayette Ave., Mount Vernon 10552. Filed May 29. Pena, Margarita, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $555,750 affecting property located at 5 Charlotte St., Yonkers 10710. Filed May 24. Pepi, Mary Ellen, et al. Filed by OneWest Bank F.S.B. Action: seeks to foreclose on a mortgage to secure $360,000 affecting property located at 13 Meadow Park Road, Baldwin Place 10505. Filed May 24.

Quinde, Carlos, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $465,500 affecting property located at 507 N. James St., Peekskill 10566. Filed May 29. Redd, Constance, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $110,000 affecting property located at 112 Leila St., Peekskill 10568. Filed May 24. Riley, Phyllis, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 556 E. Lincoln Ave., Mount Vernon 10552. Filed May 29. Schwartz, Stephen J., as executor of the estate of Alice Capianco, et al. Filed by OneWest Bank F.S.B. Action: seeks to foreclose on a mortgage to secure $825,000 affecting property located at 205 Dunwoodie St., Yonkers 10704. Filed May 24.

HP 585 L.L.C., as owner. $489 as claimed by the Chief Fire Prevention. Property: in Mount Vernon. Filed Sept. 18.

Magdays Financial Services, 310 Mundy Lane, Mount Vernon 10550, c/o Daniel Asibudh-Sarpong. Filed Aug. 23.

Dataspace protection utilizing virtual private networks on a multinode computer system. Patent no. 8,544,065 issued to Charles Jens Archer, Rochester, Sekkas, John, et al, as owner. Middle Way Multimedia and Minn.; Amanda Peters, Rochester, $1,749 as claimed by Richards Publishing Services, 1206 Pond- Minn.; Gary Ross Ricard, Chatfield, Building Supply Inc., Poughkeep- side Drive, White Plains 10607, c/o Minn.; Albert Sidelnik, Urbana, Ill.; and Brian Edward Smith, Rochsie. Property: in Cortlandt. Filed Stephen Landau. Filed Aug. 24. ester, Minn. Assigned to InternaSept. 17. tional Business Machines CorpoPalaver Music, 1 Hickory Lane, ration, Armonk. Cortlandt Manor 10567, c/o Jeremy Young. Filed Aug. 22. New Businesses Electronic device mount. Patent no. D690,306 issued to Christopher This paper is not responsible for ty- RosieRed USA, P.O. Box 16, Ard- J. Malisse, Somers; and Paul Yun, pographical errors contained in the sley 10502, c/o Russell Mendoza. Astoria. Assigned to Ergotech Filed Aug. 24. original filings. Group, Inc., Elmsford.

Partnerships The Morning Glory International Prayer Ministry, 976 McLean Ave., Suite 308, Yonkers 10704, c/o Kim E. Underwood and Johnnie M. Acoff. Filed Aug. 22.

Shift Masters of Westchester, 485 Gramatan Ave., Mount Vernon 10552, c/o Frank Russo. Filed Aug. 22.

Enforcement of data privacy to maintain obfuscation of certain data. Patent no. 8,544,104 issued to Michael George Burke, Yonkers; Igor Peshansky, Hillsdale, Value Mechanical, 8 Black Ford N.J.; Marco Pistoia, Amawalk; and Ave., Yonkers 10704, c/o Mark S. Omer Tripp, Har-Adar, Ill. Assigned to International Business Brown. Filed Aug. 22. Machines Corporation, Armonk.

The Morning Glory International Voices of Hope, 976 McLean PATENTS Ave., Suite 308, Yonkers 10704, c/o Kim E. Underwood and Johnnie M. Autonomic method, system and Acoff. Filed Aug. 22. program product for managing processes. Patent no. 8,544,005 issued to David B. Lection, Raleigh, Sole Proprietorships N.C.; Mohamad R. Salahshoor, Raleigh, N.C.; and Balan SubramaUzhca, Rafael, et al. Filed by U.S. nian, Morrisville, N.C. Assigned to CNK Software, 76 Mamaroneck Bank N.A. Action: seeks to foreInternational Business Machines close on a mortgage to secure Ave., Suite 16, White Plains 10601, Corporation, Armonk. $240,000 affecting property located c/o German Duenas. Filed Aug. 22. at 979 Warren Ave., Peekskill 10566. Business-partner collaboraFiled May 29. Cortlandt Consulting, 3254 Lextion and buy analysis. Patent no. ington Ave., Mohegan Lake 10547, 8,543,473 issued to Lianjun An, Walker, Albert L., et al. Filed by c/o Jonathan J. Haseltine. Filed Yorktown Heights, NY; Blair Generation Mortgage Co. Action: Aug. 23. A. Binney, Marlboro; Markus Ettl, seeks to foreclose on a mortgage to Yorktown Heights; Mamnoon secure $750,000 affecting property DivaVill, 561 Main St., New Ro- Jamil, Voorhees, N.J.; Shubir Kalocated at 97 Bajart Place, Yonkers chelle 10801, c/o Makeda Allen- poor, Shrub Oak; Rajesh K. Ravi, 10705. Filed May 28. Francis. Filed Aug. 22. Croton On Hudson; Yadav P. Singh, Tarrytown; and Karthik Sourirajan, Wu, Wen-Yih, et al. Filed by Bank DNAF, 27 Pine Close, Sleepy Hol- White Plains. Assigned to Internaof America N.A. Action: seeks to low 10591, c/o Gilbert Altman. tional Business Machines Corporation, Armonk. foreclose on a mortgage to secure Filed Aug. 22. $140,300 affecting property located at 15 Wakeman Road, South Salem Dominican Barber Shop Unisex, Business pre-permissioning in 10590. Filed May 29. 218 W. First St., Mount Vernon delegated third-party authoriza10550, c/o Andres M. Cruz. Filed tion. Patent no. 8,544,068 issued to Robert Leslie Yates, Arlington, Yang, Hui Quin, et al. Filed by Aug. 22. Mass.; Prashant S. Kulkarni, Apex, JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mort- Droim Mor Drywall, 130 Stan- N.C.; and Mary Ellen Zurko, Grogage to secure $380,000 affecting ton St., Yonkers 10704, c/o John ton, Mass. Assigned to International Business Machines Corpoproperty located at 19 Elm St., New McAleer. Filed Aug. 22. ration, Armonk. Rochelle 10805. Filed May 29. Turchiano, Lou, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $310,000 affecting property located at 640 Scarsdale Road, Yonkers 10707. Filed May 29.

G and H Caribbean Restaurant, Cyclopropyl compounds and 11 N. Division St., Peekskill 10566, compositions for delivering acMechanic’s Liens c/o Pearline Rutt. Filed Aug. 23. tive agents. Patent no. 8,541,362 Piazza, Michael, et al. Filed by issued to Pingwah Tang, Elmsford; Nationstar Mortgage L.L.C. Action: seeks to foreclose on a mortgage Blue River Valley L.L.C., as owner. Law Office of Kimberly A. Pelesz, Steven Dinh, Briarcliff Manor; to secure $377,000 affecting prop- $54,144 as claimed by Eastern Con- 520 White Plains Road, Suite 500, Jongbin Lee, New City; Pucerty located at 80A Heritage Hills, crete Materials Inc. Property: in Tarrytown 10591, c/o Kimberly hun Liu,Chappaqua; and Gabriela Mustata, Cranberry Township, Greenburgh. Filed Sept. 23. Anne Pelesz. Filed Aug. 24. Somers 10589. Filed May 24. Pa. Assigned to Emisphere Technologies, Inc., Roseland, N.J.

Extracting and processing data from heterogeneous computer applications. Patent no. 8,544,028 issued to Yurdaer N. Doganata, Hawthorne; Szabolcs Rozsnyai, Hawthorne; and Aleksander Slominski, Hawthorne. Assigned to International Business Machines Corporation, Armonk.

HUDSON VALLEY Building Loans Below $1 million Cassidy, Michael, et al, Highland, as owner. Lender: Rondout Savings Bank, Kingston. Property: 17 Diana Ridge, Highland 12528. Amount: $217,000. Filed Sept. 17. Crossriver Environmental Inc., Monroe, as owner. Lender: Provident Bank, Montebello. Property: 1182 Route 17M, Blooming Grove. Amount: $320,000. Filed Sept. 19. Michalko, John Thomas, et al, Newburgh, as owner. Lender: Richard Kopyscianski, et al, Poughkeepsie. Property: in Newburgh. Amount: $35,000. Filed Sept. 17. Neill, Richard W., et al, as owner. Lender: RBS Citizens N.A. Property: 621 Route 9D, Garrison 10524. Amount: $700,000. Filed Sept. 17.

Nesheiwat, Victor O., as owner. Lender: Keybank N.A. Property: in Hyde Park. Amount: $365,000. Suspicious node detection and Filed Sept. 23. recovery in MapReduce computing. Patent no. 8,544,094 issued Reyes, James D., et al, as owner. to Bryan E. Aupperle, Cary, N.C.; Lender: Walden Savings Bank. and David L. Kaminsky, Durham, Property: in Beacon. Amount: N.C. Assigned to International $280,000. Filed Sept. 21. Business Machines Corporation, Armonk. Serbian Spruce Associates Ltd., New Windsor, as owner. Lender: Resolving conflicts by restart- Riverside Bank, Poughkeeping execution of failed discretely sie. Property: in Marlborough. executable subcomponent us- Amount: $175,000. Filed Sept. 17. ing register and memory values generated by main component after the occurrence of a conflict. Patent no. 8,544,006 issued to RobDeeds ert H. Bell, Jr., Austin, Texas; Louis Bennie Capps, Jr., Georgetown, Texas; Michael A. Paolini, Austin, Texas; and Michael Jay Shapiro, Below $1 million Austin, Texas. Assigned to International Business Machines Corpo- 10715 Pleasant Ridge Holdings L.L.C., New York City. Seller: Juliration, Armonk. ana LoBiondo, Newburgh. Property: in Dover. Amount; $85,000. Filed Sept. 19. 12 South Hamilton Street L.L.C., New York City. Seller: Lepore Property Management L.L.C., Poughkeepsie. Property: in Poughkeepsie. Amount: $50,000. Filed Sept. 19.

WCBJ • September 30, 2013

FACTS&FIGURES 15 McKendrick Road Inc., New Paltz. Seller: Catfish and Goldies Unlimited Farm Inc., Ridgewood, N.J. Property: 15 McKendrick Road, Shawangunk. Amount: $55,000. Filed Sept. 17.

Edmund Quinn L.L.C., New York City. Seller: The Sedgewood Club Associates Inc., Kent. Property: in Kent. Amount: $50,000. Filed Sept. 19.

Warwick Academic Associates L.L.C., New York City. Seller: Dutchess Landing L.L.C., Hackensack, N.J. Property: in Wappingers Falls. Amount: $200,000. Filed Sept. 18.

Alba Home Remodeling Inc., Monroe. $78,000 in favor of the Workers’ Compensation Board of the State of New York, Albany. Filed Sept. 19.

Empress Handmade Jewelry, Newburgh. $2,098 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 20.

Warwick Academic Associates L.L.C., New York City. Seller: Dutchess Landing L.L.C., Hackensack, N.J. Property: in Wappingers Falls. Amount: $200,000. Filed Sept. 18.

All County Coffee Service Inc., Walden. $1,019 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 17.

Five County Copier Services, Monroe. $395 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 17.

Altamarie’s Candies and Michael’s Candy Corner, Kingston. Warwick Academic Associates $255 in favor of the New York State L.L.C., New York City. Seller: Department of Taxation and FiDutchess Landing L.L.C., Hack- nance, Albany. Filed Sept. 19. ensack, N.J. Property: in Wappingers Falls. Amount: $200,000. Anderson Racing STB Inc., MidFiled Sept. 18. dletown. $194 in favor of the New York State Department of Taxation Warwick Academic Associates and Finance, Albany. Filed Sept. 17. L.L.C., New York City. Seller: Pomona Development L.L.C., Dutchess Landing L.L.C., Hack- Avante, Kingston. $945 in favor of Hartsdale. Seller: Ruby Q. Real ensack, N.J. Property: in Wap- the New York State Department of Estate Inc., Carmel. Property: in pingers Falls. Amount: $200,000. Taxation and Finance, Albany. Filed Sept. 19. Southeast. Amount: $375,000. Filed Filed Sept. 18. Sept. 13. Bagels Etc., Port Jervis. $13,262 in Judgments favor of the New York State DepartSerbian Spruce Associates Ltd., ment of Taxation and Finance, AlNew Windsor. Seller: White Pine Associates L.L.C., New Wind- 16 Main Inc., d.b.a. Micks Deli bany. Filed Sept. 20. sor. Property: in Marlborough. and Grocery, Otisville. $2,340 in favor of the New York State DepartAmount: $40,000. Filed Sept. 17. Bar Wizard West Inc., d.b.a. The ment of Taxation and Finance, AlSmith, Goshen. $171 in favor of bany. Filed Sept. 17. the New York State Department of Shoalscape L.L.C., Kingston. Taxation and Finance, Albany. Filed Seller: Richard Dyson, et al, Venice, Fla. Property: in Esopus. Amount: 215 Washington Street Foods Sept. 20. Inc., New Windsor. $2,458 in favor $38,000. Filed Sept. 17. of the New York State Department Blue Bay Night Club Inc., Midof Taxation and Finance, Albany. dletown. $1,019 in favor of the New Sirva Relocation Credit L.L.C. Filed Sept. 17. York State Department of Taxation Seller: Kurt A. Meiers, et al, and Finance, Albany. Filed Sept. 17. Poughquag. Property: 3 Mount Pleasant Drive, Poughquag 12570. 636 Lakes Road Real Estate Corp., Chester. $181 in favor of Amount: $470,000. Filed Sept. 19. Blue Summit Construction the New York State Department of L.L.C., Rock Tavern. $186 in favor Taxation and Finance, Albany. Filed of the New York State Department Sirva Relocation Credit L.L.C. Sept. 17. of Taxation and Finance, Albany. Seller: Scott Simmons, et al, CenFiled Sept. 17. tral Valley. Property: 7 Grandview Road, Central Valley 10917. 9W Truck and Auto Parts Inc., Montgomery. $266 in favor of the Amount: $760,000. Filed Sept. 18. Calm Auto Works Inc., d.b.a. New York State Department of Turnpike Auto, Southfields. Taxation and Finance, Albany. Filed $1,718 in favor of the New York Stoll Enterprises Inc., Royal Palm Sept. 17. State Department of Taxation and Beach, Fla. Seller: William A. Letus, Finance, Albany. Filed Sept. 20. et al, Kingston. Property: in Ulster. A and B Kuqi L.L.C., d.b.a. Deer Amount: $65,000. Filed Sept. 13. Park Grill, Port Jervis. $10,091 in Cedar Ridge Development favor of thr New York State DepartCorp., d.b.a. Atlantic Granite, Tivoli Enterprises Inc., Jensen ment of Taxation and Finance, AlAccord. $9,322 in favor of the New Beach, Fla. Seller: Jay B. Hashmall, bany. Filed Sept. 17. York State Department of Labor White Plains. Property: in Carmel. Unemployment Insurance DiviAmount: $301,130. Filed Sept. 10. A and R Delivery Corp., New- sion, Albany. Filed Sept. 19. burgh. $145 in favor of the New U.S. Bank N.A. Seller: Annette SaYork State Department of Taxation D and R West Point Gulf Inc., las, Newburgh. Property: 353 Third and Finance, Albany. Filed Sept. 17. Highland Falls. $130 in favor of St., Newburgh 12550. Amount: the New York State Department of $122,000. Filed Sept. 17. A and R Express Inc., Montgom- Taxation and Finance, Albany. Filed ery. $125 in favor of the New York Sept. 17. U.S. Bank N.A. Seller: Ellen H. State Department of Taxation and Tuckman, Piermont. Property: Finance, Albany. Filed Sept. 17. Dynamic Automotive, Kingston. 30 Drew Road, Holmes 12531. $3,231 in favor of the New York Amount: $319,138. Filed Sept. 17. A and S Quick Stop, Newburgh. State Department of Taxation and $1,786 in favor of the New York Finance, Albany. Filed Sept. 19. U.S. Bank N.A. Seller: Fred Walter State Department of Taxation and Schaeffer, Poughkeepsie. PropFinance, Albany. Filed Sept. 20. erty: 237 Hynes Road, Beekman. Amount: $530,000. Filed Sept. 19.

Foeller Men’s Shop Inc., Middletown. $1,243 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 17.

LVJ Realty L.L.C., Brewster. Seller: Make It Unique Inc., Spring Hill, Fla. Property: 151-153 Main St., Brewster 10509. Amount: $375,000. Filed Sept. 17.

Esola Brothers L.L.C., Highland. Seller: Phillip Schaeffer, et al, M&T Bank. Seller: Michele Bab193-195 Main Street L.L.C., Bea- Kingston. Property: in Kingston. cock, Walden. Property: in Middlecon. Seller: MBM Company L.L.C., Amount: $53,500. Filed Sept. 13. town. Amount: $112,500. Filed Fishkill. Property: in Poughkeepsie. Sept. 19. Amount: $405,000. Filed Sept. 17. Federal Home Loan Mortgage Corp. Seller: Howard C. Rindner, Mansion Street Holdings L.L.C., 60 Nostrand L.L.C., Brooklyn. Blauvelt. Property: 36 Kennedy Mount Kisco. Seller: PoughkeepSeller: Sharei Hatzluche Inc., Mon- Terrace, Middletown. Amount: sie Properties L.L.C., Poughkeeproe. Property: in Monroe. Amount: $180,000. Filed Sept. 18. sie. Property: in Poughkeepsie. $385,000. Filed Sept. 23. Amount: $270,000. Filed Sept. 16. Federal National Mortgage Asso62 Gilbert Street L.L.C., Monroe. ciation. Seller: Frankie N. Deford, Meridian Drive L.L.C., Patterson. Seller: Joyce Stoffers, Sun City, Ariz. Lexington, N.C. Property: 19 South Seller: Mary E. Tilton. Brewster. Property: in Monroe. Amount: St., Highland Falls 10928. Amount: Property: in Southeast. Amount: $160,000. Filed Sept. 20. $238,981. Filed Sept. 23. $135,000. Filed Sept. 10.

75 Paggi Terrace L.L.C., Rhinebeck. Seller: Mary Ann Williams, Wappingers Falls. Property: 75 Paggi Terrace, Wappingers Falls. Amount: $47,500. Filed Sept. 19. 92 Wickham L.L.C., Middletown. Seller: Nereida Arroyo, Bogart, Ga. Property: 92 Wickham Ave., Middletown. Amount: $125,000. Filed Sept. 20. Alou Corp., South Salem. Seller: The V. James Zappolo Revocable Trust, Tucson, Ariz. Property: in Kent. Amount: $25,000. Filed Sept. 16. Arsenal Group Holdings L.L.C., New Windsor. Seller: Patrick Tibby, Shawangunk. Property: in Shawangunk. Amount: $430,000. Filed Sept. 13. Brookfield Global; Relocation Services L.L.C., Woodridge, Ill. Seller: Chandra M. Reddy, et al, LaGrangeville. Property: in LaGrange. Amount: $330,000. Filed Sept. 18.

FSB Properties Inc., Lake Success. Seller: Paul L. Becker, New City. Property: in Middletown. Amount: $389,893. Filed Sept. 19. Gina Realty Inc., White Plains. Seller: Christopher A. Sarro, et al, Hopewell Junction. Property: 33 Barger St., Putnam Valley. Amount: $211,000. Filed Sept. 13. Goshen Mortgage REO L.L.C., Depew. Seller: Carla Fitzgerald, Brewster. Property: 65 Nelson Blvd., Brewster 10509. Amount: $100,000. Filed Sept. 19. Hani Holdings L.L.C. Seller: Grendal D. Bland, Poughkeepsie. Property: in Poughkeepsie. Amount: $25,000. Filed Sept. 21. Horton Road L.L.C., New York City. Seller: Rodney Weber, Beacon. Property: Horton Road, Cold Spring. Amount: $465,000. Filed Sept. 20.

Hudson Todd L.L.C., New York Corny Castle Farm L.L.C., Mid- City. Seller: Carmen Otero, Beadletown. Seller: Boran Construc- con. Property: in Beacon. Amount: tion Corp., Irvington. Property: in $120,000. Filed Sept. 18. Crawford. Amount: $800,000. Filed Sept. 17. Hudson Valley Offices L.L.C., Newburgh. Seller: Mark J. Fischer, D and T Properties L.L.C., Cold et al, Spring, Texas. Property: in Spring. Seller: Ira Baumgarten, New Windsor. Amount: $50,000. Averill Park. Property: in Cold Filed Sept. 17. Spring. Amount: $740,000. Filed Sept. 18. Key Bank N.A., Fishkill. Seller: Adriana Antonelli, New WindDeutsche Bank National Trust sor. Property: 9 Cramer Road, LaCo. Seller: Robert E. Dinardo, Grange. Amount: $84,000. Filed Walden. Property: 10 Clearview Sept. 17. Lane, Warwick 10990. Amount: $696,308. Filed Sept. 18. KI 12 L.L.C., Kingston. Seller: City of Middletown. Property: 19Deutsche Bank National Trust 21 Manhattan Ave., Middletown. Co. Seller: Robert Rametta, Gos- Amount: $10,342. Filed Sept. 20. hen. Property: in New Windsor. Amount: $52,500. Filed Sept. 20.

34 September 30, 2013 • WCBJ

Game Time Sports Café Inc., Newburgh. $2,537 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 20. Gouvis Restaurant Inc., Central Valley. $747 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 20. Greater Hudson Valley Consulting L.L.C., Chester. $936 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Sept. 18. Greenway Place Apartments L.L.C., Monroe. $213 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 20. H and F Mechanical, Newburgh. $7,228 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 20. Installations Unlimited Inc., Monroe. $316 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 17. Jumpin Jakes of Middletown L.L.C., Middletown. $10,206 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 17. Kingston Point BMX Parents Association Inc., Kingston. $1,403 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 19. L and J Construction Contracting Inc., Chester. $76,000 in favor of the Workers’ Compensation Board of the State of New York, Albany. Filed Sept. 12. Lislea Corp., Rock Tavern. $106 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 17.

Litzy Deli, Newburgh. $180 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 20. McFarland Enterprises Inc., Newburgh. $2,971 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 20. Mina’s Kitchen 01 Corp., Monroe. $501 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 17. Momma Marsha’s Merchandise Mart, Woodstock. $2,098 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 19. Morning View Services L.L.C., Middletown. $2,193 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 17. Motivated4MyFamily L.L.C., d.b.a. Wings Burgers and Beyond, Highland Falls. $456 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Sept. 18. Mountainside Custom Houses L.L.C., Florida. $18,000 in favor of the Workers’ Compensation Board of the State of New York, Albany. Filed Sept. 12. Mr. Bullfrog’s Aquatic Critters, Port Jervis. $100 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 20. MSZ Landscape Construction, New Windsor. $379 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 17. Newburgh Auto Body Shop Inc., Newburgh. $2,475 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Sept. 18. North Street Pizza II, Middletown. $1,784 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 20. Northeast Hauling and Materials Inc., Fort Montgomery. $1,180 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 17. Party Place USA Inc., Middletown. $1,019 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 17.

Pinnacle Telecom Services L.L.C., Newburgh. $1,458 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 20.

Tiffany’s Catering Café Restaurant Corp., Middletown. $78,000 in favor of the Workers’ Compensation Board of the State of New York, Albany. Filed Sept. 19.

Pueblita Paisa, Newburgh. $414 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 20.

Timelessness The Next Level, Maybrook. $3,224 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 17.

Accurso, Stephanie, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $437,000 affecting property located at 49 Boniello Drive, Mahopac 10541. Filed Sept. 9.

Brown, Bernadette, et al. Filed by Nationstar Mortgage L.L.C. Action: seeks to foreclose on a mortgage to secure $290,000 affecting property located at 27 Euclid Ave., Middletown 10940. Filed June 25.

Defreese, Jennifer L., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $210,400 affecting property located at 25 Wickham Drive, Warwick 10990. Filed June 25.

Acerno, Gerald, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $183,600 affecting property located at 6 Renfrew Shire Drive, MiddleRagano Contracting Inc., Port town 10941. Filed June 26. Tuxedo Park Landscaping Inc., Jervis. $507 in favor of the New York State Department of Taxation Tuxedo Park. $82 in favor of the and Finance, Albany. Filed Sept. 17. New York State Department of Administrator of the estate of Taxation and Finance, Albany. Filed Rosalie Pennisi, aka Rosalie C. Pennisi, et al. Filed by Wells Fargo Savina and Sons Inc., Kingston. Sept. 20. N.A. Action: seeks to foreclose on a $19,336 in favor of the New York State Department of Labor Un- Tuxedo Ridge L.L.C., Tuxedo Park. mortgage to secure $50,000 affectemployment Insurance Division, $20,612 in favor of the New York ing property located at 530 N. EltState Department of Taxation and ing Corners Road, Highland 12528. Albany. Filed Sept. 19. Filed Sept. 18. Finance, Albany. Filed Sept. 20. Sign Here Sign Company Inc., Port Jervis. $2,557 in favor of the Ulster County Residential Com- Alfonso, Manuel A., et al. Filed New York State Department of munications Inc., Kingston. by Wells Fargo Bank N.A. Action: Taxation and Finance, Albany. Filed $1,299 in favor of the New York seeks to foreclose on a mortgage to State Department of Taxation and secure $325,125 affecting property Sept. 20. located at 12 Alden Road, Patterson Finance, Albany. Filed Sept. 19. 12563. Filed Sept. 11. Silver Fox Gutters Inc., New Paltz. $600 in favor of the New York State Under the Magneta Moon, Sugar Department of Labor Unemploy- Loaf. $4,235 in favor of the New Araujo, Ysaias, et al. Filed by Sunment Insurance Division, Albany. York State Department of Taxation trust Mortgage Inc. Action: seeks to and Finance, Albany. Filed Sept. 20. foreclose on a mortgage to secure Filed Sept. 19. $217,500 affecting property located at 27-29 Beattie Ave., Middletown Stan Decker Excavating and Pav- Upstate Party Time Inc., Monroe. 10940. Filed June 25. ing, Kerhonkson. $122 in favor of $144 in favor of the New York State the New York State Department of Department of Taxation and FiBartko, Paul W., et al. Filed by Taxation and Finance, Albany. Filed nance, Albany. Filed Sept. 17. Wells Fargo Bank N.A. Action: Sept. 19. seeks to foreclose on a mortgage to US Mail Contractor, Saugerties. secure an unspecified amount afStarline Auto Group Inc., Camp- $1,319 in favor of the New York fecting property located at 330-332 bell Hall. $1,019 in favor of the New State Department of Taxation and Main St., Cornwall-on-Hudson York State Department of Taxation Finance, Albany. Filed Sept. 19. 12518. Filed June 25. and Finance, Albany. Filed Sept. 17. Vega and Brothers Landscap- Bazelais, Guy, et al. Filed by U.S. Steve and Jim’s Diner Inc., d.b.a. ing and Construction Inc., d.b.a. Bank N.A. Action: seeks to foreMonroe Diner, Monroe. $60,929 Vega Brothers Landscaping, close on a mortgage to secure in favor of the New York State De- Warwick. $1,264 in favor of the $116,100 affecting property located partment of Taxation and Finance, New York State Department of at 255 Canal St., Ellenville 12428. Taxation and Finance, Albany. Filed Filed Sept. 17. Albany. Filed Sept. 20. Sept. 20. Stoneridge Landscape ContracBenites, Marlene R., et al. Filed tors Inc., Newburgh. $3,808 in by Aurora Loan Services L.L.C. Acfavor of the New York State Detion: seeks to foreclose on a mortLis Pendens partment of Labor Unemployment gage to secure $95,000 affecting Insurance Division, Albany. Filed property located at 344 Third St., Sept. 18. The following filings indicated a legal Newburgh 12550. Filed July 1. action has been initiated, the outT and S Crossroads Deli Inc., come of which may affect the title to Bonatto, Dennis M., et al. Filed by Cottekill. $3,656 in favor of the New the property listed. Citimortgage Inc. Action: seeks to York State Department of Taxation foreclose on a mortgage to secure and Finance, Albany. Filed Sept. 19. 1197 Dolsontown Road L.L.C., et an unspecified amount affecting al. Filed by Provident Bank. Action: property located at 77 Forest Lane, The Country Pumpkin, Hurley. seeks to foreclose on a mortgage to Brewster 10509. Filed Sept. 13. $3,450 in favor of the New York secure $375,000 affecting property State Department of Taxation and located at 1197 Dolsontown Road, Bondarenko, Stephan M., et al. Wawayanda. Filed July 1. Finance, Albany. Filed Sept. 19. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure The Inn at Long Pond Inc., 881 Lakes Road L.L.C., et al. Filed $356,473 affecting property located Greenwood Lake. $93 in favor of by Capital One N.A. Action: seeks at 19 County Club Drive, Unit 10, the New York State Department of to foreclose on a mortgage to secure Middletown 10940. Filed July 1. Taxation and Finance, Albany. Filed $185,000 affecting property located at 881 Lakes Road, Monroe 10950. Sept. 20. Filed July 1.

Brudniak, Robert Sr., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $197,250 affecting property located at 2033 Berme Road, Accord. Filed Sept. 19.

DePhillips, Scott M., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $260,600 affecting property located at 18 Moulton Circle, Monroe 10950. Filed June 25.

Buckvar, Jerald, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $221,250 affecting property located at 581 Route 52, Carmel 10512. Filed Sept. 17. Calamis, Michael, et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $168,000 affecting property located at 36 Dellwood Court, Westtown 10998. Filed June 27.

Dominguez, Roberto, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $314,204 affecting property located at 646 Ingrassia Road, Middletown 10940. Filed June 26. Epple, Renee R., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $496,000 affecting property located at 66 Murray Drive, Chester 10918. Filed July 1.

Cardillo, Louis M. Jr., et al. Filed by HSBC Mortgage Corporation USA. Action: seeks to foreclose on a mortgage to secure $220,000 affecting property located at 18 Hillside Terrace, Mahopac 10541. Filed Sept. 9.

Farkas, Aharon, et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 3 Hilltop Lane, Lloyd 12528. Filed Sept. 16.

Cilenti, Christopher M., et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 492 Stony Kill Road, Accord 12404. Filed Sept. 18.

Garcia, Miguel, et al. Filed by The Bank of New York Mellon Trust Company N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 71 Liberty Ave., Newburgh 12550. Filed July 1.

Conklin, Susan M., et al. Filed by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure $90,000 affecting property located at 15 Lyman St., Port Jervis 12771. Filed July 1.

Gleissner, Donna, et al. Filed by OneWest Bank F.S.B. Action: seeks to foreclose on a mortgage to secure $144,000 affecting property located at 30 Ashburton Road, Carmel 10512. Filed Sept. 19.

Croom, Rache, 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 2 Hinchcliffe Drive, Newburgh 12550. Filed June 25.

Habernig, Kathleen B., et al. Filed by JPMC Specialty Mortgage L.L.C. Action: seeks to foreclose on a mortgage to secure $126,000 affecting property located at 26 Indian Spring Lane, Kingston 12401. Filed Sept. 17.

Cumming, Ryan B., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $162,708 affecting property located at 7 Randall Terrace, Middletown 10940. Filed June 27.

Hickey, Daniel C., et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $188,000 affecting property located at 332 Rockledge Road, Mahopac. Filed Sept. 16.

Darwin, Jon, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $416,700 affecting property located at 143 Benedict Road, Montgomery 12549. Filed June 27.

Hoard, Allisan T., et al. Filed by the State of New York Mortgage Agency. Action: seeks to foreclose on a mortgage to secure $179,450 affecting property located at 6 West St., Port Jervis 12771. Filed June 28.

WCBJ • September 30, 2013

FACTS&FIGURES Houghtlaling, John S., et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $50,000 affecting property located at 283 W. O’Reilly St., Kingston 12401. Filed Sept. 16. Jadan, Enrique, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $466,000 affecting property located at 26 James Drive, Putnam Valley 10579. Filed Sept. 13. Jailall, Shankar, et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 25 Beechmont Road, Kent 10512. Filed Sept. 10. Jones, Arnett L., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $211,300 affecting property located at 1 Tiedemann Court, aka 222 Old Tuxedo Road, Monroe 10950. Filed July 1. Justiniano, Carol, aka Carol Kreischer, et al. Filed by Ocwen Loan Servicing L.L.C. Action: seeks to foreclose on a mortgage to secure $345,600 affecting property located at 12 Hoover Drive, Middletown 10940. Filed July 1. Kallmeyer, Susan, et al. Filed by FV-1 Inc. Action: seeks to foreclose on a mortgage to secure $461,250 affecting property located at 9 Ridge Lane, Mahopac 10541. Filed Sept. 13. Kennedy, Judith L., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 162 Grand St., Newburgh 12550. Filed June 25.

King, Teresa A., individually and as surviving spouse of James B. King, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $288,710 affecting property located at 120 Fairways Crescent, Carmel 10512. Filed Sept. 12.

Menegan, Peter, et al. Filed by Mark L. Raphael. Action: seeks to foreclose on a mortgage to secure $50,000 affecting property located in Middletown. Filed July 1.

Miller, Jennifer C., et al. Filed by Wells Fargo Bank N.A. Action: Kodzic, Amir, et al. Filed by U.S. seeks to foreclose on a mortgage to Bank N.A. Action: seeks to fore- secure $260,000 affecting property close on a mortgage to secure located at 310 Spillway Road, West $175,500 affecting property located Hurley 12491. Filed Sept. 16. at 745 Route 211 West, Middletown 10940. Filed June 25. Moore, Deserie, et al. Filed by RBS Citizens N.A. Action: seeks to Konior, Joseph, et al. Filed by Ev- foreclose on a mortgage to secure erBank. Action: seeks to foreclose $293,360 affecting property located on a mortgage to secure $115,000 at 8 Blossom Lane, Brewster 10509. affecting property located at 38 Filed Sept. 19. Lakewood Road, Greenwood Lake 10925. Filed June 26. Morales, Eddie, et al. Filed by JPMorgan Chase Bank N.A. AcKoschak, Lisa, et al. Filed by Ci- tion: seeks to foreclose on a morttimortgage Inc. Action: seeks to gage to secure an unspecified foreclose on a mortgage to secure amount affecting property located $101,600 affecting property located at 10 Prospect Ave., Middletown at 23 Spring St., Middletown 10940. 10940. Filed June 26. Filed June 28. Murphy, Dolores C., et al. Filed Labracio, Pat J., et al. Filed by by Wells Fargo Bank N.A. Action: Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to seeks to foreclose on a mortgage to secure $242,300 affecting property secure $359,650 affecting property located in Warwick. Filed June 28. located at 2 Green Court, Unit 86, Middletown 10940. Filed June 27. Natarajan, Nikhil, et al. Filed by HSBC Bank USA N.A. Action: Lancton, Lloyd R., et al. Filed by seeks to foreclose on a mortgage to Wells Fargo Bank N.A. Action: secure $275,900 affecting property seeks to foreclose on a mortgage located at 389 Dewitt Mills, Kingsto secure $570,000 affecting prop- ton 12401. Filed Sept. 17. erty located at 14 Ashley Road, Mahopac 10541. Filed Sept. 18. Norvell, Katherine A., individually and as surviving joint tenant Latta, Allen Jeffrey, et al. Filed by of Donald J. Norvell, et al. Filed by Goldman Sachs Mortgage Co. Ac- Bank of America N.A. Action: seeks tion: seeks to foreclose on a mort- to foreclose on a mortgage to secure gage to secure $265,500 affecting $303,738 affecting property located property located at 86 Blumel Road, at 30 Dobson Lane, Goshen 10924. Middletown 10941. Filed June 28. Filed June 28.

Lowinger, Shulem, et al. Filed by U.S. Killough, William E., et al. Filed Bank N.A. Action: seeks to foreclose by Freedom Mortgage Corp. Ac- on a mortgage to secure $243,750 aftion: seeks to foreclose on a mort- fecting property located at 37 Broad gage to secure $354,367 affecting St., Middletown 10940. Filed July 1. property located at 491 Toleman Road, Rock Tavern 12575. Filed Loyola, Cesar E., et al. Filed by June 25. Green Tree Servicing L.L.C. Action: seeks to foreclose on a mortgage to Kincade, Frank R. Sr., et al. Filed secure $180,000 affecting property by Provident Bank. Action: seeks to located at 69 Lake Trail, Warwick foreclose on a mortgage to secure 10925. Filed July 1. $136,000 affecting property located at 80 E. Main St., Washingtonville. McCarthy, Eugene, et al. Filed Filed July 1. by Deutsche Bank National Trust Co. Action: seeks to foreclose on a King, Frank, et al. Filed by U.S. mortgage to secure $202,500 affectBank N.A. Action: seeks to fore- ing property located at 517 Forest close on a mortgage to secure St., Monroe 10950. Filed June 25. $50,900 affecting property located at 25 Peenpack Trail, Deerpark Mead, Daniel P., et al. Filed by 12746. Filed June 27. Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $460,000 affecting property located at 70 Meadow Ridge Road, Warwick 10990. Filed June 28.

36 September 30, 2013 • WCBJ

Occhiopinto, Janet, et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $230,000 affecting property located at 2 Church St., Greenwood Lake 10925. Filed June 27. Oliva, Annette, et al. Filed by Nationstar Mortgage L.L.C. Action: seeks to foreclose on a mortgage to secure $183,920 affecting property located at 21 Lexington Hills, Harriman 10926. Filed June 27.

Penna, Fern, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $246,500 affecting property located at 16 Granite Court, Kingston 12401. Filed Sept. 17. Porchette, Jean, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $216,000 affecting property located at 28 Stratton Ave., Wallkill 10940. Filed July 1. Powers, Jan D., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $126,000 affecting property located at 14 Charles St., Middletown 10940. Filed June 27. Racanelli, Joseph, et al. Filed by Nationstar Mortgage L.L.C. Action: seeks to foreclose on a mortgage to secure $250,000 affecting property located at 9 Jeanne Drive, Putnam Valley 10579. Filed Sept. 18.

Rosenfeld, Jacob, 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 26 Satmar Drive, Suite 201, Monroe 10950. Filed June 27. Sacco, Anthony, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $417,000 affecting property located at 39 Westlake Blvd., Mahopac 10541. Filed Sept. 16. Sanchez, Jorge Jr., et al. Filed by Nationstar Mortgage L.L.C. Action: seeks to foreclose on a mortgage to secure $308,880 affecting property located at 18 Hartsdale Road, Carmel 10512. Filed Sept. 18.

Schiaroli, Renee T., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 2798 Route 94, Washingtonville 10992. Rishko, Sean, et al. Filed by U.S. Filed June 28. Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspeci- Scialpi, Robert, et al. Filed by fied amount affecting property lo- JPMorgan Chase Bank N.A. Accated at 19 Heather Ridge, Highland tion: seeks to foreclose on a mortMills 10930. Filed June 27. gage to secure an unspecified amount affecting property located Rivera, Jonathan Wilson, et al. at 32 Grasslands Road, Carmel Filed by U.S. Bank N.A. Action: 10512. Filed Sept. 11. seeks to foreclose on a mortgage to secure $149,625 affecting property Senkiew, Gary M., et al. Filed by located at 608 Parr Meadow Drive, the State of New York Mortgage Unit 6-H, Newburgh 12550. Filed Agency. Action: seeks to foreclose June 28. on a mortgage to secure an unspecified amount affecting property Rocco F. Surico Jr., heir to the located at 4 Schultz St., Port Jervis estate of Rocco Surico, et al. Filed 12771. Filed June 27. by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to Smith, Stephanie, et al. Filed by secure $59,509 affecting property Citimortgage Inc. Action: seeks to located at 46 Quaker Road, Carmel foreclose on a mortgage to secure 10512. Filed Sept. 6. an unspecified amount affecting property located at 22 Gladstone Roman, William V., et al. Filed Ave., Walden 12586. Filed June 27. by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to Sosa-Battista, Judelca, et al. Filed secure $240,000 affecting property by Chase Home Finance L.L.C. located at 11 White Road, Putnam Action: seeks to foreclose on a Valley 10579. Filed Sept. 11. mortgage to secure an unspecified amount affecting property loRooney, Patrick J., et al. Filed by cated at 64 Laudaten Way, Warwick U.S. Bank N.A. Action: seeks to 10990. Filed June 27. foreclose on a mortgage to secure $229,980 affecting property locat- Soto, John, et al. Filed by Green ed at 25 Hillside Terrace, Monroe Tree Servicing L.L.C. Action: seeks to foreclose on a mortgage to secure 10950. Filed June 25. $227,800 affecting property located Rose, Patricia Sayles, et al. Filed at 255 Crawford St., Pine Bush by U.S. Bank N.A. Action: seeks to 12566. Filed June 25.

Oliveras, Francisco, et al. Filed by Central Mortgage Co. Action: seeks to foreclose on a mortgage to secure $140,000 affecting property located foreclose on a mortgage to secure at 17 Lincoln St., Ellenville 12428. $240,255 affecting property located Filed Sept. 19. at 51 Lexington Way, Unit 106, Middletown 10940. Filed July 1. Palminteri, Anthony, et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $417,000 affecting property located at 49 Varna Lane, Mahopac. Filed Sept. 11.

Tomer, Kenneth Jr., et al. Filed by Green Tree Servicing L.L.C. Action: seeks to foreclose on a mortgage to secure $216,000 affecting property located at 503 Garden St., Newburgh 12550. Filed July 1. Tornello, Douglas, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 757 Highway 1, Pine Island 10969. Filed June 27. Tucker, Michael, et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $141,250 affecting property located at 27 Peach Place, Middletown. Filed June 28. Vargas, Jhon J., et al. Filed by WMC Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $132,800 affecting property located at 17-19 Liberty St., Kingston 12401. Filed Sept. 18. Vicentini, Thomas, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $167,000 affecting property located at 3 Roanoke Drive, Monroe 10950. Filed June 28. Volkmann, Mark W., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $899,480 affecting property located at 201 Smith Clove Road, Central Valley 10917. Filed June 28. Volpicella, Karen A., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $211,000 affecting property located at 155 Mount Orange Road, Slate Hill 10973. Filed June 25. White, Fredrick, et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 349 Third St., Newburgh 12550. Filed June 25.

Mechanic’s Liens Alvarado, Lydia, as owner. $5,807 as claimed by Peekskill Ice Company Inc., d.b.a. Eastern Oil Co., Peekskill. Property: 15 Short St., Putnam Valley. Filed Sept. 12.

Kent Materials L.L.C., as owner. $179,000 as claimed by AMA ExStapinsky, Andrew, et al. Filed cavation Inc., Mahopac. Property: by JPMorgan Chase Bank N.A. Kent Materials Site, Route 52, Kent Action: seeks to foreclose on a 10512. Filed Sept. 16. mortgage to secure an unspecified amount affecting property located at 185 Marl Road, Pine Bush 12566. Pennoyer, Peter, as owner. $6,850 as claimed by Rubin Ruano, StanfordFiled Sept. 19. ville. Property: 366 Ludlow Woods Road, Stanford. Filed Sept. 19.

Russo, Joseph V., et al, as owner. $10,265 as claimed by Tri-State Gunite L.P., Colleyville, Texas. Property: 3 High Meadow Road, Goshen 10924. Filed Sept. 20.

BSD Belts Inc., d.b.a. Better Wear Suspenders, 18 Hayes Court, Unit 201, Monroe 10950. Filed June 8.

Lavender Lady Lilac Nursery, P.O. Box 236, New Paltz 12561, c/o Kitchens of USA Inc., d.b.a. CDL Darryl S. Greene and Janet C.H. On Line, 8 Chernobyl Court, No, Greene. Filed Sept. 17. 101, Monroe 10950. Filed June 8.

Smith, Brian, as owner. $3,611 as claimed by Fellenzer Engineering L.L.P., Middletown. Property: Main Street Equities Inc., d.b.a. Route 284, Slate Hill 10973. Filed Ricciardella’s Restaurant, 54 June 19. Main St., Phoenicia 12464. Filed Sept. 19. The Lynx at River Bend Golf Club Inc., as owner. $21,796 as New York State Federation of claimed by Grass Roots Inc., Ran- Grower’s and Processor’s Assodolph, N.J. Property: 87 Neversink ciations Inc., d.b.a. Agri-Business Drive, Deerpark. Filed Sept. 17. Child Development, 14 Edward J. Lempka Drive, P.O. Box 187, Florida 10921. Filed June 8.

New Businesses

Partnerships

Twinflower Herbals, P.O. Box 1210, New Paltz 12561, c/o Anne S. Bloomfield and Amy B. Bloomfield. Filed Sept. 19.

Sole Proprietorships A and R Cleaning Services, 242 Shinhollow Road, Port Jervis 12771, c/o Rebecca A. Vicaretti. Filed June 8.

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

Orange County Auto Repair Inc., d.b.a. Orange County Truck Ser- A and R Motors, 242 Shinhollow vice, 746 Route 49, Middletown Road, Port Jervis 12771, c/o Rebecca A. Vicaretti. Filed June 8. 10940. Filed June 11.

Doing Business As

Superior Supplies Corp., d.b.a. Café Piranha, 22 Sherry Lane, GoMart Lane, 51 Forest Road North, deffroy 12729, c/o Ranae Ann Ruger. Filed June 8. Monroe 10950. Filed June 11.

32 Spa Corp., d.b.a. Orange Spa, 276 Windsor Highway, New Windsor 12553. Filed June 8.

Custom Home Improvements, 554 Granite Road, Kerhonkson 12446, c/o Scott M. Long. Filed Sept. 18.

BEWARE Outside companies are soliciting BUSINESS JOURNAL readers for plaques and other reproductions of newspaper content without our consent. If you or your firm is interested in framing an article or award from our newspaper or obtaining a reprint of a particular story Please contact

Marcia Rudy of Westfair Communications directly at (914) 694-3600 x3021.

DJ Lawn, 82 Spring St., Kingston Green Mountain Contracting, 12401, c/o Derrick A. Jackson. Filed 7 New Unionville Road, Wallkill Sept. 18. 12589, c/o William H. Bernard Jr. Filed Sept. 17. DuLab Trucking, 99 Dubois St., Apt. 1, Newburgh 12550, c/o Ab- Guidette’s Cleaning Service, 219 doulie Johnson. Filed June 11. Stevens St., Napanoch 12458, c/o Lynn A. Mallia. Filed Sept. 17. ExcellentServe, 5199 Route 52, No. 3, Ellenville 12428, c/o Beverly HomeTourVision, 3710 WhisperDibble-Deas. Filed Sept. 16. ing Hills, Chester 10918, c/o James McHugh. Filed June 11. Flawless Memories, 108 Elm St., Saugerties 12477, c/o Annie Yi It’s a PC!, 6 Sandburg Court, Huang. Filed Sept. 19. Wallkill, c/o Fredisber S. Medina Jr. Filed June 8. Footprints 356, 40 Willow Parkway, New Windsor 12553, c/o Joe Brice Plumbing and Heating, Caltha Seymour. Filed June 12. 39 Pauline Lane, Saugerties 12477, c/o Joseph P. Brice. Filed Sept. 18. Gableman and Son Landscaping, 214 Valley Ave., Walden, c/o Chris- Ken J. Palladino Electrical Contopher Gableman. Filed June 12. tractor, 133 Bone Hollow Road, Accord 12404, c/o Kenneth J. PalGarcia Consulting Services, 19 ladino. Filed Sept. 16. McDowell Place, Newburgh 12550, c/o Frances M. Garcia. Filed June 8. Lush Eco-Salon, P.O. Box 382, New Paltz 12561, c/o Stephanie M. Go Green Sealcoating, 11 DeJager Chick. Filed Sept. 16. Lane, Accord 12404, c/o Alan R. MacNary Jr. Filed Sept. 16. Medical Transcription by Cathy, 108 Second St., Connelly 12417, c/o Catherine Wiese. Filed Sept. 16.

Mellin Designs, 207 Doris St., Port Ewen 12466, c/o Melanie A. Phelan. Filed Sept. 16. One Man’s Treasure, 58 George Saile Road, Saugerties 12477, c/o Mark T. Westinghouse. Filed Sept. 17. Paramount Photo Booths, 95 Orchard St., Kingston 12401, c/o Christopher T. Politylo. Filed Sept. 18. Randy Hotdogs, 822 W. Kaisertown Road, Montgomery, c/o Randy Munoz. Filed June 12. Rock Scissors Paper Press, 8 Echo Lane, Bearsville 12409, c/o Wayne H. Kirn. Filed Sept. 19. Salome Improvements, 269 E. Main St., Middletown 10940, c/o Marco Antonio Salome. Filed June 8. Yoga with Ashley, 1 Kaye Drive, Florida 10921, c/o Ashley Elizabeth Bogdanski. Filed June 12.

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Call Us! 914-238-3500 WCBJ • September 30, 2013

LEGAL NOTICES Notice of Formation of AUTOCAD ADVANCED SERVICES LLC. Arts. of Org. was filed with SSNY on 8/12/13. Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: c/o The LLC, 73 Belleau Ave., New Rochelle, NY 10804. Purpose: all lawful activities. #58934 Notice of Formation of 667 EAST 187TH STREET ASSOCIATES LLC. Arts. of Org. was filed with SSNY on 8/12/13. Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: c/o Priolet & Associates, P.C., 1025 Westchester Ave. #320, White Plains, NY 10604. Purpose: all lawful activities. #58935 Notice of Formation of 3 CALVERT STREET ASSOCIATES LLC. Arts. of Org. was filed with SSNY on 8/12/13. Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: c/o Priolet & Associates, P.C., 1025 Westchester Ave. #320, White Plains, NY 10604. Purpose: all lawful activities. #58936 NOTICE OF FORMATION of Spadaro Restaurant Group LLC Art. of Org filed Secíy of State (SSNY) 8/13/13. Office location: Westchester Co. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail copy of process to c/o Valerio Morano Sagliocco, 535 Halstead Ave, Mamaroneck, NY 10543. Purpose: any lawful activities. #58937 Notice of Formation of 1422 Associates LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 7/25/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Sanford Glatzer, 670 Post Road Route 22, Suite 121, Scarsdale, NY 10583. Purpose: any lawful activity. #58938 Notice of Formation of 410 Westchester Ave LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 7/25/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Harrington Ocko & Monk, LLP, 81 Main St., Ste. 215, White Plains, NY 10601. Purpose: any lawful purpose. #58939 Notice of Formation of Dearborn FundingCo, LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 8/7/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o United Corporate Services, Inc., 10 Bank St., Ste. 560, White Plains, NY 10606. Purpose: any lawful activity. #58940 Notice of Formation of The Center For Healthy Conversations, LLC. Arts. of Org. filed with SSNY on 6/17/2013. Office location: Westchester County. SSNY designated agent of LLC upon whom process may be served. SSNY shall mail process to Kaye Ford Jimenez, 2 Wayne Ave., White Plains, New York 10606. Purpose: Consulting. #58942

Overcast Radio, LLC Arts. of Org. filed with SSNY 8/16/2013. Off. Loc.: Westchester Cnty. SSNY designated as agent of LLC whom process may be served. SSNY shall mail process to: c/o The LLC, 399 Knollwood Rd., Suite 311, White Plains, NY 10603. Purpose: all lawful activities. #58943 Notice of Formation of WESTCHESTER NEPHROLOGY PLLC. Arts. of Org. was filed with SSNY on 8/15/13. Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: c/o The LLC, 105 S. Bedford Rd. #320, Mt. Kisco, NY 10549. Purpose: to engage in the practice of Medicine. #58944 Name of LLC: Style Untamed, LLC. Arts. of Org. filed NY Sec. of State 7/30/13. Princ. off. loc.: Westchester Cty. Sec. of State designated as agent of LLC upon whom process against it may be served. Sec. of State shall mail a copy of process to the LLC, c/o Style Untamed, LLC, 125 Sterling Ave., Yonkers, NY 10704, Attn: Candice Petrellese. Purpose: any lawful activity. #58945 Notice of Formation of Next-Gen Financial, LLC (ìLLCî). Articles of Organization filed with New York Secretary of State on August 8, 2013. Principal Office Location: Westchester County. Secretary of State designated as agent of LLC upon whom process against the LLC may be served. Secretary of State shall mail a copy of any process to the LLC at: 5 Berkley Court, Briarcliff Manor, New York 10510. Purpose: to engage in any lawful act or activity. #58946 Notice of Formation of WHITE PLAINS PSYCHOLOGY PLLC, a Professional Limited Liability Company. Arts. of Org. filed with Secretary of State of New York (SSNY) on 7/29/2013. Office location: Westchester County. SSNY has been designated as agent of LLC upon whom process against it may be served. SSNY shall mail copy of process to: c/o the PLLC, 95 North Broadway, Apt. B1-1, White Plains, NY 10603. Purpose: any lawful activities. #58948 TENANT RECOVERY SERVICES, LLC, Arts. of Org. filed with the SSNY on 08/16/2013. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 92 S. Central Park Ave, Hartsdale, NY 10530. reg Agent: Purpose: David Newberg, c/o CHNNB 1 North Lexington, White Plains, NY 10601. Any Lawful Purpose. #58949 Notice of Formation of PURVIEW MARKETING LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 7/1/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: The LLC, 271 North Avenue, Ste. 1011, New Rochelle, NY 10801. Purpose: any lawful activity. #58952 NOTICE OF FORMATION of Woodlands Village Development LLC Art. of Org filed Secíy of State (SSNY) 8/21/13. Office location: Westchester Co. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail copy of process to Four West Red Oak Lane, Suite 200, White Plains, NY 10604. Purpose: any lawful activities. #58953

Notice of Formation of RMJB, LLC. Arts. of Org. filed with the Secy. of State of NY (SSNY) on 8/7/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 564 Mamaroneck Ave., Mamaroneck, NY 10543. Purpose: any lawful act or activity. #58954 Name of Limited Liability Company (LLC): Trippy Hippy Company LLC. Date of filing Articles of Organization with the Secretary of State (SSNY) 5/14/13. 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, P.O. Box 118 White Plains NY, 10602. Purpose of business of LLC is any lawful act or activity. #58955 PENROSE CAPITAL 410 LLC, Arts. of Org. filed with the SSNY on 08/23/2013. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 1 Franklin Ave, 2D, White Plains, NY 10601. Purpose: Any Lawful Purpose. #58956 Notice of Formation of Global Realty Development, LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 8/22/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o The LLC, 11 Martine Avenue, 12th Fl., White Plains, NY 10606. Purpose: any lawful activity. #58957 Name of Limited Liability Company (LLC): JMJ CONTRACTING AND DEVELOPMENT LLC. Date of filing Articles of Organization with the Secretary of State (SSNY) 4/5/2013. 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 16 Ridge Place, Pelham Manor, NY 10803. Purpose of business of LLC is any lawful act or activity. #58958 Notice of Formation of Ghana ThinkTank, LLC Art. Of Org. filed with SSNY on 7/31/2013. Office Location: Westchester. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to: 167 E Middle Patent Road Bedford, NY 10506. Purpose: any lawful purpose. #58959 Notice of Articles of Organization of MALENA DRESSAGE, LLC, filed August 9, 2013, pursuant to Section 203 of the New York Limited Liability Law: The name of the limited liability company is MALENA DRESSAGE, LLC. Its principal business office will be at 94 Tripp St., Bedford Corners, New York 10506. The principal office of the limited liability company is located in WESTCHESTER County. The Secretary of State is 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: c/o Equine Business Institute, P.O. Box 286, South Deerfield, MA 01373. The principal business of the limited liability company is training and teaching of horses and riders. #58960

Notice of Qualification of ABOUT CHOOSE USA, LLC. App. for Auth. filed with Secy. of State of NY (SSNY) on 3/18/13. Office location: Westchester County. LLC formed in Delaware (DE) on 1/24/13. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 204 Chase Avenue, Yonkers, NY 10703. DE address of LLC: 2711 Centerville Road, Ste. 400, Wilmington, DE 19808. Arts. of Org. filed with DE Secy. of State, 401 Federal St., Ste. 4, Dover, DE 19901. Purpose: to engage in any lawful act or activity for which an LLC may be organized under the provisions of the LLC Act of the State of Delaware. #58961 Notice of formation of WELLATIVITY LLC, Arts. of Org. filed with SSNY on 8/8/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to the LLC, 16 Main Street, Irvington, New York, 10533. Purpose: any lawful purpose. #58962 EMERALD OIL SOLUTIONS, LLC, Authority filed with the SSNY on 04/02/2013. Office loc: Westchester County. LLC formed in DE on 06/15/2012. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 700 Nepperhan Avenue, Yonkers, NY 10703. Address required to be maintained in DE: 2711 Centerville Rd Ste 400 Wilmington DE 19808. Cert of Formation filed with DE Div. of Corps, 401 Federal St., Suite 4, Dover, DE 19901. Purpose: Any Lawful Purpose. #58965 Notice of Formation of 239 Central Ave. Holdings, LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 7/31/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 450 Somerset Avenue, Suite 604, Taunton, MA 02780. Purpose: any lawful activity. #58966 Notice of Formation of Westchester Media Works, LLC Art. Of Org. filed with SSNY on 7/31/13. 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, 6 Meadow Road Montrose, NY 10548. Purpose: any lawful purpose. #58967 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC) Name: Seaglass Properties, LLC. Articles of Organization filed with the Secretary of State of New York (SSNY) on August 26, 2013. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail copy of process to 1313 Baldwin Road, Yorktown Heights, New York 10598. Purpose: to engage in any lawful act or activity for which a limited liability company may be formed under section 201 of the Limited Liability Company Law. #58968 Notice of Formation of T&D Travel & Tours LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 8/27/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: The LLC, c/o Falcon & Singer P.C., 14 Harwood Court, Ste. 220, Scarsdale, NY 10583. Purpose: any lawful activity. #58969

Notice of Formation of ParentNation, LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 8/29/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 25 Rutgers Place, Scarsdale, NY 10583. Purpose: any lawful activity. #58970 Notice of Formation of Squadron Development Partners, LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 8/30/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o The LLC, 42 North Lake Road, Armonk, NY 10504. Purpose: any lawful activity. #58971 ALPHA RACING LLC Art. of Org. filed with NY Secretary of State on June 6, 2013. Office located in Westchester County. 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: 300 Mamaroneck Ave. Suite 505 White Plains, NY 10605 (the LLCís primary business location). LLC may engage in any lawful act or activity for which a limited liability company may be formed. #58972 NOTICE OF FORMATION of Ritz North Hills Investors, LLC Art. of Org filed Secíy of State (SSNY) 9/4/13. Office location: Westchester Co. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail copy of process to c/o Alfred E. Donnellan, One N. Lexington Ave, White Plains, New York 10601. Purpose: any lawful activities. #58975 Notice of Formation of 11 East Post Rd Realty, LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 8/30/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o The LLC, 555 South Columbus Avenue, Ste. 201, Mt. Vernon, NY 10550. Purpose: any lawful activity. #58977 Notice of Formation of 751 White Plains Rd Realty, LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 8/30/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o The LLC, 555 South Columbus Avenue, Ste. 201, Mt. Vernon, NY 10550. Purpose: any lawful activity. #58978 Notice of Formation: Leitenberger Design Group LLC. Articles of Organization filed with the Secretary of State of NY (SSNY) on June, 2013. 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: 2 Beech Place, Valhalla, NY 10595. Attention: Gus Leitenberger. Dissolution date: None. Purpose: any lawful act or activity. #58979

Notice of Formation of Skills2Drill Entertainment, LLC Articles of Organization filed with The New York Department of State on 2/14/13. Its office is Located in Westchester County. The secretary of State has been designated as agent upon whom process against the company may be served. SSNY shall mail a copy of process to: 104 Pine Ave., Ossining, NY 10562. The purpose of the Company is any lawful activity. #58981 NOTICE OF FORMATION of GD BOWMAN, LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 8/27/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 177 Golden Pond Lane, Fairfield, CT 06824. Purpose: any lawful activity. The LLC is to be managed by one or more managers. #58982 Notice is hereby given that an on-premises license, #TBA has been applied for by TSMMJ LLC d/b/a North Street Tavern & Wood Fired Pizza to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 1128 North Street White Plains NY 10605. #58983 Notice of Formation of E&J Jimenez Rentals, LLC Art. Of Org. filed with SSNY on 7/17/13. 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, 165 Beech St. Eastchester, NY 10709. Purpose: any lawful purpose. #58984 NOTICE OF FORMATION of FAMOUS CHEF PRODUCTS LLC. Arts. Of Org. filed with SSNY on 07/15/2013. Office in Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to: C/O FAMOUS CHEF PRODUCTS LLC, 200 Vail Lane, North Salem, NY 10560. Purpose: any lawful purpose. #58985 The Articles of Organization of Litchfield Crossing LLC (the “Company”) were filed with the Secretary of State of the State of New York on May 10,2013. The office of the Company is located in Westchester County, New York. The Secretary of State has been designated as agent of the Company upon whom process against it may be served. The post office address within or without the State to which the Secretary of State shall mail a copy of any process against the Company served upon him or her is: 201 Saw Mill River Road, Yonkers, New York 10701. The name and the street address within the state of the registered agent of the Company upon whom and at which process against the Company can be served is: Raymond Gizzi 201 Saw Mill River Road, Yonkers, New York 10701. Raymond Gizzi is a Member of the Company and is actively engaged in the business and affairs of the Company. The inclusion of the name of a person(s) in this notice does not necessarily indicate that such person(s) is personally liable for the debts, obligations or liabilities of the limited liability company and such person’s liability, if any, under applicable law is neither increased nor decreased by reason of this notice. The Company was formed for any lawful business purpose or purposes permitted under the New York Limited Liability Company Act. #58986

Notice of Formation of Psychology Services of Northern Westchester, PLLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 9/6/13. Office location: Westchester County. SSNY designated as agent of PLLC upon whom process against it may be served. SSNY shall mail process to: 85 Wykagyl Terrace, New Rochelle, NY 10804. Purpose: practice the profession of psychology. #58987 WESTCHESTER INDOOR PAINTBALL LLC, Arts. of Org. filed with the SSNY on 08/29/2013. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 1 Elm Street, Ardsley, NY 10502. Purpose: Any Lawful Purpose. #58989 NOTICE OF FORMATION of 73 Elm Place, LLC Art. of Org filed Secíy of State (SSNY) 9/13/13. Office location: Westchester Co. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail copy of process to 7 Elm Place, Rye, NY 10580. Purpose: any lawful activities. #58990 NOTICE OF FORMATION of 11 Henry Street Associates, LLC Art. of Org filed Secíy of State (SSNY) 9/18/13. Office location: Westchester Co. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail copy of process to c/o Susan Cappelli, 16 Elm Pl, Ste 202, Rye, NY 10580. Purpose: any lawful activities. #58991 DIRUSSO FOODS, LLC, Arts. of Org. filed with the SSNY on 09/10/2013. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 1016 Mc Lean Avenue, Yonkers, NY 10704. Purpose: Any Lawful Purpose. #58992 Notice of Formation of Collective Communications, LLC. Arts. of Org. filed with SSNY on 09/09/13. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to Celia Atassi, 6 North Island Drive, Rye, NY 10580. Purpose: any lawful act or activity. #58993

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38 September 30, 2013 • WCBJ

LEGAL NOTICES Continued from previous page INDEX NO.: 68923/2012 AMENDED SUMMONS AND NOTICE MORTGAGED PREMISES: 357 UPLAND AVE., YONKERS, NY 10703. (SBL #: 3-3084-28). Plaintiff designates Westchester County as the place of trial; venue is based upon the county in which the mortgaged premises is situate. STATE OF NEW YORK SUPREME COURT: COUNTY OF WESTCHESTER DEUTSCHE BANK TRUST COMPANY AMERICAS AS TRUSTEE FOR RALI 2007QS3, Plaintiff,

TO the Defendant ELIDES GONZALEZ, the foregoing Summons is served upon you by publication pursuant to an Order of the Hon. JOAN B. LEFKOWITZ of the Supreme Court of the State of New York, and filed on August 26, 2012, with the Complaint in the County of Westchester, State of New York. The property in question is described as follows: ALL that certain plot, piece or parcel of land situate lying and being in the City of Yonkers, County of Westchester and State of New York, shown and designated as the southeasterly one quarter of Lot Number 80 on a certain map entitled, “Map of Land in Yonkers belonging to James Blackwell, Esq., dated October 5, 1871, made by Cornell, Bradford and Baldwin, C.E.’S and filed in the Office of the Clerk of the County of Westchester, Division of Land Records on November 17, 1871 as Map No. 562 and which part of said lot is more particularly bounded and described as follows: BEGINNING at a point on the westerly side of Upland Avenue, distant southerly as measured along the same, 590 feet from the corner formed by the intersection of the southerly side of Lewis Street with the said westerly side of Upland Avenue and which point is at the southeasterly corner of Lot No. 80;

-againstELIDES GONZALEZ, if living, and if dead, the respective heirs at law, next of kin, distributees, executors, administrators, trustees, devisees, legatees, assignors, lienors, creditors and successors in interest, and generally all persons having or claiming under, by or through said defendant who may be deceased, by purchase, inheritance, lien or otherwise of any right, title or interest in and to the premises described in the complaint herein, and their respective husbands, wives or widows, if any, and each and every person not specifically named who may be entitled to or claim to have any right, title or interest in the property described in the verified complaint; all of whom and whose names and places of residence unknown, and cannot after diligent inquiry be ascertained by the Plaintiff, JAMES GONZALEZ, METRO PORTOFOLIOS, INC., MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR HOMECOMINGS FINANCIAL, LLC F/K/A HOMECOMINGS FINANCIAL NETWORK, INC., DISCOVER BANK, “JOHN DOE #1” through “JOHN DOE #10” inclusive, the last ten names being fictitious and unknown to Plaintiff, the persons or parties intended being the persons, tenants, occupants, or corporations, if any, having or claiming an interest in or lien upon the mortgaged premises described in the Complaint, Defendants. TO THE ABOVE NAMED DEFENDANTS: YOU ARE HEREBY SUMMONED to answer the Complaint in this action and to serve a copy of your answer, or, if the Complaint is not served with this Summons, to serve a notice of appearance on the attorneys for the Plaintiff within 20 days after the service of this Summons, exclusive of the day of service (or within 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.

RUNNING THENCE westerly along the dividing line between Lots 80 and 78 as shown on said map, a distance of 100 feet to a point; RUNNING THENCE northerly through said Lot 80 and at right angles with the last described RUNNING THENCE still through said Lot 80, in a easterly direction and at right angles with the last described course, a distance of 100 feet to the westerly side of Upland Avenue, aforesaid; and RUNNING THENCE southerly along the westerly side of Upland Avenue, 50 feet to the point or place of BEGINNING. Dated: New Rochelle, NY August 26, 2013 McCABE, WEISBERG & CONWAY, P.C. By: Leroy J. Pelicci Jr., Esq. Attorneys for Plaintiff 145 Huguenot St., Ste. 210 New Rochelle, NY 10801 p. 914-636-8900 f. 914-636-8901 HELP FOR HOMEOWNERS IN FORECLOSURE NEW YORK STATE LAW REQUIRES THAT WE SEND YOU THIS NOTICE ABOUT THE FORECLOSURE PROCESS. PLEASE READ IT CAREFULLY.

NOTICE YOU ARE IN DANGER OF LOSING YOUR HOME If you do not respond to this summons and complaint by serving a copy of the answer on the attorney for the mortgage company who filed this foreclosure proceeding against you and filing the answer with the court, a default judgment may be entered and you can lose your home. Speak to an attorney or go to the court where your case is pending for further information on how to answer the summons and protect your property. Sending payment to your mortgage company will not stop this foreclosure action. YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. NOTICE OF NATURE OF ACTION AND RELIEF SOUGHT THE OBJECT of the above captioned action is to foreclose a Mortgage to secure $ 352,000.00 (modified to $ 402,696.55 by loan modification agreement dated December 1, 2008) and interest, recorded in the Office of the Clerk of Westchester on March 6, 2007 at Control No. 470520532, covering premises known as 357 Upland Ave., Yonkers, NY 10703 – Sec. 3; Block 3084; Lot 28. 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. The Plaintiff also seeks a deficiency judgment against the Defendant and for any debt secured by said Mortgage which is not satisfied by the proceeds of the sale of said premises.

SUMMONS AND COMPLAINT YOU ARE IN DANGER OF LOSING YOUR HOME. IF YOU FAIL TO RESPOND TO THE SUMMONS AND COMPLAINT IN THIS FORECLOSURE ACTION, YOU MAY LOSE YOUR HOME. PLEASE READ THE SUMMONS AND COMPLAINT CAREFULLY. YOU SHOULD IMMEDIATELY CONTACT AN ATTORNEY OR YOUR LOCAL LEGAL AID OFFICE TO OBTAIN ADVICE ON HOW TO PROTECT YOURSELF. SOURCES OF INFORMATION AND ASSISTANCE. The State encourages you to become informed about your options in foreclosure. In addition to seeking assistance from an attorney or legal aid office, there are government agencies and non-profit organizations that you may contact for information about possible options, including trying to work with your lender during this process. To locate an entity near you, you may call the toll-free helpline maintained by the New York State Banking Department at 1-877-226-5697 or visit the Department's website at www.dfs.ny.gov. FORECLOSURE RESCUE SCAMS Be careful of people who approach you with offers to "save" your home. There are individuals who watch for notices of foreclosure actions in order to unfairly profit from a homeowner's distress. You should be extremely careful about any such promises and any suggestions that you pay them a fee or sign over your deed. State law requires anyone offering such services for profit to enter into a contract which fully describes the services they will perform and fees they will charge, and which prohibits them from taking any money from you until they have completed all such promised services. # 58974

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