Westchester County Business Journal 100118

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OCTOBER 1, 2018 | VOL. 54, No. 40

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ECONOMIC BONANZA Developer proposes STEM school for entire 723-acre IBM Somers site

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com A more than 700-acre Somers campus that once hosted thousands of IBM employees could become home to a private high school focused on science, technology, engineering, math and arts studies.

Evergreen Ridge LLC, a newly formed school development company, presented plans Sept. 21 to the Somers Town Board for what company principal Tim DiScipio described as a “world class” private high school focused on STEM, or STEAM, a more recently popularized acronym to include arts, education.

Tentatively named Somers STEM Academy, the boarding and day school could eventually enroll 1,800 students. The school would

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Rendering of the Inn at Bellefield.

First phase of $500M development breaks ground in Hyde Park

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

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usiness executives and Dutchess County officials took ceremonial shovels to dirt Sept. 21 for the groundbreaking of Bellefield at Historic Hyde Park, an estimated $500 million venture to bring hotel rooms, homes and foodie-friendly commercial storefronts to an undeveloped 330-acre parcel of land across from The Culinary Institute of America in Hyde Park.

Developer Bellefield Development Partners, an affiliate of T-Rex Capital Group LLC, envisions the site as a future destination for visitors and residents, each drawn to the area’s history, natural resourc-

es and food culture.

The master plan ultimately calls for about 2.1 million square feet of development, a mix of residential, commercial and agricultural space. That vision includes up to 559 residences, two hotels, a 45-acre agricultural complex, farm-to-table restaurants, a special events barn and an educational center.

The first step in that plan is the Inn at Bellefield, a 133-room hotel developed in partnership with The Shaner Group. Based in State College, Pennsylvania, Shaner Hotel Groups owns and manages more than 50 hotel properties in the U.S., Italy and the Bahamas.

The hotel is a collaboration with Marriott International and will be soft-branded as a Residence Inn.

The soft brand means the hotel will operate as Marriott but signs will carry the Inn at Bellefield name. The soft brand also allows the developer more creativity in the exterior design of the hotel.

Architectural renderings show a brick and stone exterior designed to blend into the style of the nearby buildings at the CIA and » HYDE PARK

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be for-profit, meaning the property will remain a tax-paying entity.

The company is in talks with the property’s asset manager, Sebastian Capital LLC, for a longterm lease on the property’s 1.2 million square feet of office space.

The complex’s five-buildings, distinctively topped by glass pyramids, were designed for IBM in 1986 by famed architect I.M. Pei. The technology company announced in May 2016 that it would relocate staff to other offices in the county and sold the campus for $32 million six months later.

In a phone interview with the Business Journal, DiScipio described his company’s plan to bring life back to the vacant campus. The proposed school, he said, would focus on learning » IBM

IBM campus in Somers.

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In Court

BY BILL HELTZEL

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Civil rights group claims Eastchester landlord discriminated

n Eastchester landlord and building superintendent have been accused of racial discrimination after a seven-week sting operation that used black and white testers posing as prospective tenants.

The Fair Housing Justice Center (FHJC) sued New Property Associates LLC and Dikson Dumitrescu, the superintendent, on Sept. 20 in federal court in White Plains. The complaint accuses them of violating the federal Fair Housing Act and New York Civil Rights Law. The FHJC and three AfricanAmerican testers claim that the landlord and superintendent provided untruthful information about available apartments “based on race or color.”

New Property and Dumitrescu did not immediately respond to phone and fax messages asking for their side of the story.

The allegations concern a 53-unit apartment building at 9 New St. in Eastchester. New Property, based in Mount Vernon, owns the building and hundreds of other rental units in Westchester County and Long Island. Cesare DeFeo is identified

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the prospective tenant to return the completed form to him. He allegedly said he would forward the form to management and would call a manager that day to tell him about the applicant.

Bianca Jones, an African-American tester, went to the building the next day. The super allegedly told her that two apartments were available but were under contract. She asked to see the apartments and was shown 4E. Dumitrescu did not offer her a rental application. Instead, he directed Jones to call a real estate agent named “Anthony” to ask about rentals, the complaint states. He said Anthony also had rentals in Yonkers and Mount Vernon, cities with substantially higher African-American populations.

The Eastchester building is in a census tract that had less than 3 percent African-Americans in the 2010 census.

Dumitrescu also showed Jones apartment 4C, according to the complaint, but said there was a waiting list for the building and Anthony could give her “more options.”

The white tester called Dumitrescu the following day and asked if 4E was still available. It was, the complaint states, and they discussed rent and

parking. The tester asked if anyone else had been looking at 4E. Dumitrescu allegedly said he had shown the apartment to two people but had not given out any applications.

FHJC claims that African-Americans Justin Carter and Michael James encountered similar resistance when they asked about apartments, in contrast to the experiences of white testers.

The alleged discrimination damaged FHJC “by frustrating its mission of creating communities free of segregation,” the complaint states, and by causing the organization to divert resources to counteracting unlawful housing practices.

Jones, Carter and James claim they suffered a loss of civil rights and were subjected to emotional distress, humiliation and embarrassment.

FHJC and the African-American testers are asking the court to make the landlord and building superintendent stop discriminating on the basis of race or color, change their policies and practices, train employees on fair housing laws, advertise apartments for rent in a nondiscriminatory manner and allow monitoring of applications. They also are asking for unspecified damages.

Executex sues ex-salesman for $4.4M

wice in the past 10 months, Joseph Holzberg has filed for bankruptcy protection, and both times he failed to mention a significant debt.

Executex Inc., a Hawthorne photocopy distributor he represented, has accused Holzberg of pocketing $436,000 in commissions on phony photocopy leases.

Now the office machine company is suing him in federal bankruptcy court in White Plains for $4.4 million.

His conduct, the complaint states, “was wantonly dishonest, evinced a high degree of moral turpitude and was undertaken with criminal indifference to his civil obligations.”

Holzberg’s bankruptcy attorney, Gary R. Gjertsen of White Plains, did not respond.

Executex’s customers typically prefer to lease expensive copiers, the complaint states. It buys the equipment from a manufacturer, such as Sharp, Canon or Konica, and then sells it to a financing company. The

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as the principal owner but is not named as a defendant.

FHJC is a nonprofit civil rights organization based in Long Island City that serves New York City and seven surrounding counties on Long Island and in the Hudson Valley.

White testers, who are not identified in the lawsuit, were offered rental applications, given the superintendent’s cellphone number, given rental applications and encouraged to submit the applications directly to him, the complaint states.

African-Americans who visited the building before and after the white testers were allegedly told falsely that apartments were under contract, told there was a waiting list, directed to call a broker for an application or not given the super’s phone number.

On Feb. 27, for instance, a white man posing as a prospective tenant met Dumitrescu and was shown apartment 4E. He was told that the one-bedroom apartment was immediately available for rent, according to the complaint written by Diane L. Houk of Emery Celli Brinckerhoff & Abady in Manhattan.

Dumitrescu gave the white man a rental application and encouraged

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finance company then leases the copier to the customer.

Executex makes a profit from service agreements and later reselling the equipment.

Holzberg, 52, worked for Executex as an independent contractor from 2012 to 2017. He was paid $435,518 in commissions on about $1 million in sales.

But Holzberg found a way to bypass procedures, according to court documents. He forged contracts and delivery certificates. Most of the machines were never delivered; instead, he stashed them in self-storage facilities in Rockland County.

The scheme worked, as long as customers did not notice they were paying monthly leases for machines they did not possess. However, one customer did notice.

USIS, a technology installation company headquartered in Pearl River, discovered the discrepancies in early 2017. It had been charged more than $250,000 on bogus leases for 20

ghost machines.

Holzberg admitted sole responsibility for the scheme, according to a transcript of an interview with Laura G. Weiss, a USIS attorney, and he apologized profusely.

“I’m sorry for what I did to you guys,” he said.

Executex claims it has discovered 60 phony leases in all. It says it has paid $1 million to buy back copiers from the finance companies and to compensate USIS. The Rockland District Attorney’s Office charged Holzberg in February 2017 with criminal possession of stolen property and 42 counts of forgery.

Several months later, as Holzberg’s house in Eastchester was about to be sold in a foreclosure sale, he filed an emergency Chapter 7 bankruptcy petition.

He listed $738,293 in assets and $923,310 in liabilities. He did not notify Executex of the bankruptcy case and did not list the company as a creditor.

The court discharged his debt in July.

Executex, unaware of the bankruptcy, had sued Holzberg in Westchester Supreme Court on June 27. Dominick Mastrocola, the company president, accused his former salesman of fraud and breach of duty and is demanding $3 million.

Weeks later, on Aug. 31, he filed a Chapter 13 bankruptcy petition, declaring $732,080 in assets and $836,400 in liabilities. Again, he did not acknowledge the Executex debt or the lawsuit.

He has submitted a plan to pay $140 a month for five years to a U.S. Trustee for a total of $8,400, plus $2,500 a month on his home mortgage and $336 a month for his car.

In its bankruptcy proceeding, Executex says Holzberg should not be allowed to discharge his debt because he committed fraud and embezzlement. The company is demanding $1,435,518 in compensation for its losses and $3 million in punitive damages.

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Doctors of Distinction recognizes excellence in Westchester medicine

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

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group of Westchester County’s most distinguished doctors — and one promising student — were recognized Sept. 20 at the annual Doctors of Distinction Awards at the Doral Arrowwood in Rye Brook.

The awards were presented by the Westchester County Business Journal and the law firm Brown, Gaujean, Kraus & Sastow PLLC. The first award, for Cutting Edge Research, went to Mitchell C. Benson, a urologist with NewYorkPresbyterian Lawrence Hospital and emeritus chair of the Department of Urology at Columbia University.

Benson, in prepared remarks read by NYP Lawrence Vice President Timothy Hughes, noted his specialty in urological oncology and praised NewYorkPresbyterian’s “commitment to oncology” at Lawrence Hospital. He cited the cancer center the Bronxville hospital opened in 2016. “(NewYork-Presbyterian) made a significant commitment to providing unsurpassed cancer care to our patients in Westchester County,” he said.

Also accepting the Cutting Edge award was Elias S. Hyams, an associate professor of urology at Columbia University School of Medicine with offices in Bronxville and Tarrytown.

In his remarks, Hyams described research as “fundamentally important” and enriching to his professional life.

“I try to view research organically and try to look at my practice for questions, uncertainties, that I may be able to look into more deeply and may be able to find answers for to improve my practice and improve patient experiences,” Hyams said.

Tanya Dutta, a noninvasive cardiologist at Westchester Medical Center, accepted the

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award for Female Trailblazer.

Dutta is a lifelong advocate for women’s heart health and described the current moment as an especially exciting time to be a female cardiologist. Throughout her career, she has seen “an incredible increase in heart disease among women.”

“Although the number of female cardiologists remains unfortunately 10 percent, I think that, because there’s been such growing awareness among all cardiologists, the health of women overall has become much better,” Dutta said.

Boriana Parvez, a pediatrician and neonatologist at Maria Fareri Children’s Hospital, accepted the Female Trailblazer award as well. Parvez was described as the driving force behind a groundbreaking donor milk program aimed at improving the health of premature babies in the hospital’s Regional Neonatal Intensive Care Unit. She told the story of a premature baby born at Westchester Medical Center who later died when transferred to a hospital where the family was unable to access donor milk.

“This tragedy inspired us to start lobbying our politicians to ensure that donor milk is a covered benefit under Medicaid, and we accomplished that in 2017,” Parvez said. “As of December, donor milk now is a covered benefit so every family does not have to worry that they cannot afford to do that.”

She said her unit at Marie Fareri will soon take those efforts a step further by creating a donor milk bank to help improve the health of premature babies.

The 2018 Caring for All award went to Daren Wu, the chief medical officer of Open Door Family Medical Centers Inc., a community health center with 13 sites in Westchester and Putnam counties. Wu said the centers care for tens of thousands of Westchester’s most vulnerable patients. About 71 percent of Open Door’s patients sur-

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Sasan Roayaie

Elias S. Hyams

Boriana Parvez

Tanya Dutta

William H. Frishman

Daren Wu

Philip Maynard

Fran Ganz-Lord

N. Jeremy Hill

Sarah Bellemare

Milan Kinkhabwal Photos by Bob Rozycki.

vive on a household income of $24,000 per year or less, he said.

“Because each one of us in this room is either a patient him or herself, or has a loved one struggling with cancer, heart disease, kidney failure, diabetes and any number of other devastating medical conditions, we can all understand or relate to how challenging that disease must be,” Wu said. “Now imagine struggling with one of these conditions and being poor; imagine wanting to take care of yourself or your family and not knowing where to start.”

At Open Door, Wu said, doctors not only do the traditional work of treating people, but also try to “wrap ourselves around patients who need us” by asking about other potential issues, such as food insecurity or domestic violence.

Sasan Roayaie, a surgeon at White Plains Hospital, received the No Land Too Far award for his travels to treat cancer patients in Mongolia, Liberia and Haiti. He said his trips help with “distilling medicine down to its essence.”

“As physicians, it’s easy to get lost in bureaucracy imposed on us,” Roayaie said.

“But when you go on these trips, you really get back to the reasons we all went into this field to begin with.”

Michael Grasso III also received the No Land Too Far award, but the Phelps Memorial Hospital urologist was unable to attend.

Next up was the All In The Family award, recognizing husbands and wives, parents and children or siblings who share a practice. The award recognized the husband-wife duo of Milan Kinkhabwala and Sarah Bellemare.

Kinkhabwala is a professor of surgery at Montefiore Medical Center-Albert Einstein College of Medicine and director of abdominal transplantation at Montefiore.

Bellemare is a hepatobiliary and liver transplant surgeon at Montefiore Medical CenterAlbert Einstein College of Medicine.

Kinkihabwala described medicine as a 24/7 business that can be burdensome for a family.

“This isn’t a life I would trade even though it’s been extremely difficult,” he said.

“It’s one of the most satisfy-

Citrin Cooperman Corner Estate Planning Uncertainty Under the TJCA

BY HEATHER OBODA, CPA

Max G. Gaujean of Brown, Gaujean, Kraus and Sastow.

ing because we are able to take patients that are really on death’s door and be able to restore life.”

N. Jeremy Hill was recognized next with the Biomedical Breakthrough award. Hill is a research scientist at Burke Neurological Institute and the director of neurological technology at Blythedale Children’s Hospital. His research, as described in the recognition, is “committed to the process of innovation … to allow smart, adaptive technology to answer the outstanding needs of rehabilitation following brain injury.”

Recognized with the Exceptional Leadership award was Fran Ganz-Lord, the deputy chief medical officer and chief medical value officer at CareMount Medical.

Ganz-Lord said her inspiration in the profession comes from a close friend who made a full recovery after suffering a ruptured aneurysm but later died from undiagnosed influenza and pneumonia.

“I know very well the good and bad, what we can do and what we really want to do,” Ganz-Lord said. “As a leader, I think about that all the time. I think about how the pressures on us in health care today are to move health care much more into a business than it’s been before, but, for me, I think about it as much more personal.”

Westchester Medical Center Chief of Medicine William H. Frishman was recognized next with the Lifetime Achievement award. Frishman is also chairman of the department of medicine and a professor of pharmacology at New

York Medical College.

The doctor noted the advances seen in his field of cardiology over the past 50 years, as well as the obstacles he surmounted to find success in medicine.

“Coming from a South Bronx heritage, complicated by the premature loss of my father when I was a young boy from a heart attack, I had a drive to succeed,” Frishman said. “Luckily, in the South Bronx I could run fast … and was willing to work hard.”

He described himself as fortunate to have taught more than 10,000 medical students and participated in medical breakthroughs through research.

The final award of the night went to one of Frishman’s current students.

Philip Maynard, a fourth-year medical student at New York Medical College, was recognized with the Promise for the Future award. Maynard has served each year as a member of the student senate and was elected by his peers into his class’ Gold Humanism Honor Society.

Maynard said it was exciting to “be nominated and awarded for something that I still aspire to be. It’s certainly a vote of confidence, and it is motivation for me.”

The awards were sponsored by J.P.Morgan Securities, as well as White Plains Hospital, WMCHealth, N e w Yo r k- P r e s b y t e r i a n Lawrence Hospital and Montefiore. Other sponsors included Rectangle Health, Grassi Healthcare Advisors, Webster Bank, Open Door Family Medical Centers, and Val’s Putnam Wines and Liquors.

HEATHER OBODA There’s a key element of the Tax Cuts and Jobs Act of 2018 (TCJA) that everyone seems to be talking about: estate planning. Under the TCJA, the estate tax exclusion amount has been raised significantly. A single person now has an $11,180,000 ($11M) lifetime exclusion and a married couple can have up to a $22,360,000 ($22M) exclusion. There have been many reactions to this element of the TCJA, many of which are misguided.

One reaction is for single taxpayers with estates under the $11M exclusion amount to assume that they don’t have to alter their plans.

However, New York has different rules than the new federal law. New York has a “cliff,” not an exclusion, and for 2018 that cliff amount is $5,250,00 ($5M). It is called a cliff because, once you exceed $5M, you could be paying $2 of taxes to New York for every $1 over the cliff amount. Though New York’s transfer tax policy is expected to match the federal policy

by January 1, 2019, the cliff amount will only go up to $5.6M at that time, the amount the federal exemption was expected to be indexed to for inflation, before the TJCA changed the federal exemption. Therefore, in cases where a New York estate is between $5.6M and $11.2M, planning is encouraged to mitigate state estate tax. If you don’t live in New York, you should educate yourself on your state’s rules.

Even those who have already planned their estate should take another look at their will, as the new law will sunset in 2025, potentially leaving your estate at risk for a full decade. In the case of some older estate plans, many people still assume their assets will be distributed in a certain way, however, their wills may now be out of date. For example, take a married couple with $11M in assets in the husband’s name. Prior the TCJA, the couple left provisions in their will for a trust to be funded for their grandchildren at an amount not exceeding the generation skipping exemption (GST). This plan may have been sufficient when the exemption amount was $1M or $5M. If the husband were to pass now, the trust will receive the full $11M in assets and the surviving spouse will be left broke. So, be brave, open that wall safe, and review your will or revocable trust documents with your advisor to see if your original plan still upholds.

In some cases, a surviving spouse chooses not to file because each spouse has below $11M in assets and together they are under the $22M exemption, assuming they avoid the transfer tax. However, this only holds true if an estate tax return has been filed electing for portability.

Portability is when you use the decedent spouse’s unused estate tax exemption and

add it to the surviving spouse’s exemption.

Unfortunately, portability is only a federal option, not applicable in New York. Many spouses have “I love you wills,” so that, when one spouse dies, the estate assets transfer to the surviving spouse. Some people don’t want to take the time or expense to file an estate tax return when the first spouse dies, but this could be a bad choice. What if the market sky rockets? What if you win the lotto? Or, more practically, what if you pass away after 2026 and your taxable estate is now $16M but the present estate tax provisions have sunset, and the estate tax exemption returns to $5M? Your estate will be paying tax on $11M, so your heirs would be receiving less money.

Other reactions include taxpayers considering the option of using up as much of the $11,180,000 exclusion now, through gifting.

Some are in favor of gifting to the younger generations, especially the $15,000 annual exclusion. The issue still outstanding with larger gifts is that the Treasury hasn’t yet given any guidance on what happens in 2026 after the estate tax provision sunsets and we go back to a lower exclusion amount. We also can’t forget that current provisions could also be altered or revoked with a change in the political administration, before the scheduled sunset date of 2025. Will the gifts over the $15,000 annual exclusion be required to be added back to the estate? If they are, you will be no worse off than if you never made the gift.

If they are not, you removed a lot of assets from your estate.

Gifting low-basis assets is another option that may not be prudent. When you gift assets, the recipient gets your carry-over basis. Under the TCJA, there is still a step up in basis at death, whether or not you have a taxable estate. As an example, if you have property you bought for $50,000 that is now worth $750,000, a gift would result in the recipient getting a basis in the asset of $50,000, but if the property were inherited, the basis would be $750,000, or the fair market value at the date of death.

When the property is sold, the recipient would save $140,000 in income tax if they were to receive the property at your death, as opposed to receiving the gift during your lifetime. An option is to make your annual exclusion gifts, and to start thinking about what you are comfortable doing in terms of larger gifting.

Remember, once you gift it away, you may not be able to get it back.

In conclusion, don’t be penny wise and pound foolish. Take the time to review your documents, make educated decisions, and don’t get all of your advice from your friend, unless your friend is an estate planning professional.

ABOUT THE AUTHOR

Heather M. Oboda, CPA, is a tax director in Citrin Cooperman’s White Plains office and has nearly 20 years of accounting experience with a focus in trust and estates. Heather can be reached at 914.949.2990 or at hoboda@ citrincooperman.com. Citrin Cooperman is a full-service accounting and consulting firm with 10 locations throughout the East Coast. Visit us at citrincooperman.com.

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Hyde Park—

Franklin D. Roosevelt home.

The hotel hopes to draw its guests from the visitors to those destinations, along with the nearby Walkway Over the Hudson, Staatsburg State Historic Site and local private colleges Marist and Vassar.

At the groundbreaking, Hyde Park Town Supervisor Aileen Rohr said the hotel would allow the “hundreds of thousands of visitors to stay where they play.” Mary Kay Vrba, president and CEO of Dutchess Tourism Inc., said the project should build on the region’s $600 million in visitor spending in 2017.

“This location is triple A.

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IBM—

in growing, modern fields, draw top teaching talent and regularly bring in experts and mentors.

“We want to develop one of the most progressive academic schools in the world,” DiScipio said. “And the way that you do that is you draw upon the latest and greatest learning research and apply it with educators and administrators who are experts.”

DiScipio was most recently CEO for Weiming Education Group USA, the U.S. subsidiary of a Chinese company that is among the largest international K-12 private school providers.

Before that, DiScipio founded in 1996 the ePals Classroom Exchange, an online social learning network that reached 29 million students and teachers in close to 200 countries.

“In the early days of the web, if you ever saw a classroom on TV that was connecting with another classroom across the globe, it was likely ePals doing that,” DiScipio said. “We were recognized as a pioneer in that space.”

His role as founder and CEO of the company had him to travel to what he estimates totaled more than 900 schools worldwide.

He learned, as he said, the way kids learn and teachers teach, as well as how they use technology.

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OCTOBER 1, 2018

This is just such a great spot to do this,” said Lance Shaner, chairman and CEO of the Shaner Hotel Group, following the groundbreaking.

Tom Mulroy, CEO of T-Rex Capital Group LLC, put the development in a regional context.

He cited other major projects in the lower Hudson Valley: Marist and Health Quest teaming up to launch a medical college, Legoland’s half-billion-dollar theme park under construction in Goshen and Resorts World Catskills, the billion-dollar casino that opened earlier this year in Sullivan County.

Just farther north up Route 9, Japanese sake maker Asahi Shuzo Co. Ltd plans to spend $28 million converting a former grocery

store into its first international brewery.

“We are thrilled to be part of this growth,” Mulroy said.

“Things are happening here and that’s great for everyone.”

Mulroy promised Bellefield would build on that by bringing local jobs and investment, creating “a world-class hospitality and tourism destination” that complements The Culinary Institute of America.

Shaner said he was thrilled to build a hotel in what will become “one of the most beautiful communities in New York state.”

Just how long that community will take to fully build isn’t clear just yet.

Mulroy said the first phase would focus on building up the property’s infrastructure — bringing roads,

sewer, water treatment and electricity to the site — with the hotel acting as the force that “ignites” it, as Mulroy described it. The estimated investment in the hotel and infrastructure improvements is $60 million.

The hotel expects to break ground in January with Shaner projecting a 12-month construction timeline.

“Which is fast, by the way,” Mulroy added.

The next phase after the hotel would be a village green with some residential components. The entirety of the project could take at least five to seven years, driven by market conditions.

“But it’s going to move quicker now,” Mulroy said.

“The biggest lead time to

getting this site activated, starting the other 2 million square feet, was getting the infrastructure in place.”

The commercial space would feature a market square fronted by signature restaurants, a year-round farmers’ market and specialty food and wine shops.

As for the site’s residential portion, “luxurious while not exclusive,” was the phrasing Mulroy used, with the new curved streets and a network of wide sidewalks.

The style of homes is expected to range from brownstone style to detached cottages, artist-style lofts and private estates.

About 60 percent of the site’s 340 acres will remain wooded and undeveloped, while another 48

acres would be developed for agricultural uses. The property would have a network of 10 miles of walking, hiking and bikes trails through wetlands and nature preserves.

All told, the Bellefield project estimates it will create more than 550 construction jobs and 369 full-time jobs on site. Developers estimate the first phase of the project will generate more than $118 million in state, county and town tax revenue and 10-year visitor spending of more than $630 million.

Bellefield is also a “priority project” of the MidHudson Regional Economic Development Council and has been awarded $4.25 million in state grant funding.

The job also placed him on the very campus where he now wants to create the school. IBM handled the hosting services for ePal, which meant DiScipio visited the Somers campus several times for meetings.

When the Somers property came under new ownership, DiScipio said he was contacted by Sean Cahill, principal and managing director for Avison Young in Westchester and Fairfield counties from Avison Young.

The potential for a school on the site was clear, he said.

“It’s this very modern, futuristic, serene setting and really ideal for a school campus,” DiScipio said. “It’s got all the key elements: spacious, interconnected buildings, a housing and residential life, dorm potential.”

That vision aligned with what Sebastian Capital was considering when the company began marketing the site.

Sebastian Capital represents the buyer of the building, a group of Mexican investors that also purchased the nearby former PepsiCo office building for $87 million in 2015. The Business Journal reported following the sale of the PepsiCo building that the buyer was an affiliate company in Mexico City of Mexican business magnate Carlos Slim Helu. A Slim spokesperson later confirmed to Forbes magazine that a real estate company affiliated with the billionaire

was behind the deal.

Sebastian Capital has pursued a multi-tenant office conversion for the 540,000-square-foot PepsiCo building, but has listed the IBM property as a “school campus opportunity” on its website.

Roxana Girand, president and CEO of Sebastian Capital, said that without an office tenant, an educational purpose was the best and highest use of the IBM building complex.

The layout, with a central building that connects all five offices buildings, along with large windows and sunny central lobbies, made the campus ideal for school use, she said.

“It’s one of those rare occasions where you retrofit a building for a different use that actually lays out very nicely to it,” Girand said.

There’s also a certain appeal in the site’s historical ties to IBM. “It’s really very cool to imagine as a 16-year-old or 14-year-old going into high school, you’re walking into what was a think tank for one of the largest companies in the world,” Girand said.

Planning discussions between the two parties carried on for more than a year before the conceptual plan was brought to the Somers Town Board in September.

The school hopes to open by 2020, beginning with a class of about 750 high

school freshmen and sophomores. From there, the goal is to reach between 1,500 to a maximum capacity of 1,800 students by 2022. The potential school will first require a zoning change from the town of Somers.

DiScipio said the school aims to be a leader in STEM education, including specialties such as biotechnology, biomechanical engineering, artificial intelligence, robotics and aeronautics.

“We want to align the course and programming with emerging career fields,” DiScipio said. “The classrooms would be highly engaging and collaborative, with problem-solving as one of the key drivers.”

He said the company is already in talks with universities and companies in those fields on potential programming.

About 85 percent of the school’s students would live on campus, with the other 15 percent local day students.

The majority of students would come from the U.S., with some international students as well.

“We’re building the school to be so well differentiated that a family from the West Coast or Midwest would want to send their child to it,” DiScipio said. “There are private schools that have done things to warrant that type of travel and we think this is one of those academic programs.”

To get there, DiScipio

described “pretty extensive” renovations required on the property. None of the exteriors for the existing buildings would be reworked, but the school would require changes to the interior layout of each office. Plans also include a new arts center, head of school residence, dormitory buildings, a fieldhouse athletic center and athletic fields such as for baseball, softball, soccer and tennis courts.

The developer has hired Pei Partnership Architects in Manhattan and KG+D Architects of Mount Kisco to handle the school’s design.

Pei Partnership was actually founded by two of I.M. Pei’s sons, Chien Chung Pei and Li Chung Pei, who are the firm’s two partners.

DiScipio said the company does not yet have an estimate for the total cost of the renovation. The development team includes Tyton Partners, an education-focused investment firm in Stamford that will provide financing toward the venture.

Annual tuition is expected to be $49,000 for boarding students and $37,000 for day students, the developers told the board.

At maximum capacity, the school would employ about 235 people, DiScipio said. That’s 102 teachers, 23 administrators and 110 support staff, such as administrative assistants, maintenance and security employees, lab

aides and shuttle bus drivers.

As far as economic impact, DiScipio pointed to those employees — as well as the school’s students — supporting local businesses in Somers and northern Westchester County. The school could also potentially work with area high schools on courses and competitions.

The school could have major implications for the county’s office real estate market. Market analysts often describe the county’s overall office vacancy rate as distorted by the nearly 2 million vacant square feet dropped onto the market in 2016 when both PepsiCo and IBM left their office buildings. Converting the IBM property to a new use would take 1.2 million vacant square feet out of the northern office submarket, where a 21.9 percent availability rate is the county’s highest.

Town Supervisor Rick Morrissey published a letter to town residents following the hearing in which he wrote that there will be “much more to come” on the proposal.

Morrissey noted that the proposal at its peak would generate about 15 percent of the daily commuters that IBM’s 3,000 employees once generated.

He said through the review there will be “ample opportunities for public input. Tonight’s presentation was the first step of the process.”

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OCTOBER 1, 2018

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ASK ANDI | Andi Gray

Building up profit margins I DON’T WANT LOW-MARGIN SALES AND DON’T WANT TO SELL LOW-MARGIN PRODUCTS. BUT IT’S HARD TO TURN DOWN OPPORTUNITIES FROM CLIENTS THAT HAVE WORK FOR US. THOUGHTS OF THE DAY: Take a look at your mix of business overall. Having a mix of prices and margins can be good for business. Figure out how much selling effort goes into getting a customer and what does low-margin work play in bringing in new customers. Find an alternative distribution route.

Create a grid of all products and/or services that you sell, one column for revenue, one for gross profit dollars, one for gross profit percentage, plus columns for number of selling costs, new customers, total customers and percentage of total sales. Use this grid to analyze what’s going on in terms of quantity, price and profit.

Carefully analyze all low-margin items to be sure you fully understand and have

TECH TALK

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allocated all costs. Be sure that even your least profitable items contribute something toward the bottom line.

Make sure that any low-margin work that you decide to stick with is relatively easy to produce and has few, if any, variables. Control the margin by making this service or product “cookie-cutter” work — every item produced looks the same, is produced the same way and gets delivered the same way.

Build up margin by creating an up-charge for customization and special handling. The same goes for rush jobs, items requested in smaller than normally offered quantities, alterations and out-ofseason orders. In other words, exceptions cost the buyer more and serve to drive

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1 in 5

Small businesses will suffer a cyber breach this year.

81%

Of all breaches happen to small and mediumsized businesses.

97%

Of breaches could have been prevented with today’s technology.

OCTOBER 1, 2018

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lower-margin cookie-cutter items.

Take a look at the role your low-margin items play in bringing in new customers.

As they say, variety is the spice of life. As long as you’re actually making a profit on every item that you sell, low-margin work can fill one or more needs, from acting as a loss leader to bring in new customers who want to test the waters to filling in revenue or profit hole, to keeping things busy in slow periods.

Look for a wholesaler who might be willing to buy your low-margin materials and resell them. Eliminate the cost of handling lower-volume, low-margin customers by making them someone else’s problem. Let the wholesaler figure out how to make money on the items.

LOOKING FOR A GOOD BOOK? Try “Managing Customers for Profit: Strategies to Increase Profits and Build Loyalty” by V. Kumar.

Andi Gray is president of Strate�y Leaders Inc., Strate�yLeaders.com, a business-consulting �irm that teaches companies how to double revenue and triple pro�its in repetitive growth cycles. Have a question for AskAndi?

Wondering how Strate�y Leaders can help your business thrive? Call or email for a free consultation and diagnostics: 877-238-3535, AskAndi@Strate�yLeaders.com.

10 Ways To Protect Your Business From A Cyber Attack

Did you know that cybercrime is a 1.5 trillion-dollar industry? Yes, I called it an industry, sad but true and everyone is a target. As an executive, the onus falls on you to ensure that the proper safeguards are in place. This is a daunting task when attacks are coming from every direction.

Vulnerabilities include mobile devices, PC's, servers, cloud applications, email, websites, control systems (IoT) and last but not least humans. Unfortunately, there’s no magic bullet. Defense in depth is the best strategy and achieved through a layered approach. A multitude of tools must be utilized to mitigate threats from multiple attack vectors. I’ve put together a list of safeguards that should be on your radar.

Did you know?

more profit to your bottom line. Willingly and gladly supply the kid-glove special treatment that some customers desire.

Make them pay extra for it.

Offer buyers combination packages by putting a low-margin item together with a high-margin item. Consider slightly discounting the package price, if necessary, to attract the middle-of-the-road buyer. In the process, get your average buyer to increase the overall size of the order, purchasing more quantity because they got a “deal.”

Make sure your customers know you have more options to offer. When someone asks for or clicks on a low-margin item, be sure to show them something a bit more upscale, and point out the enhancements of the higher-margin item. You never know when a customer will bite on something that they perceive to be a superior solution, even though they first contacted your company looking for a low-price option.

Be sure to include selling costs when calculating the relative profit of each product or service that your company offers. It’s imperative that the low-margin products at a minimum cover their selling costs so that your company doesn’t take a loss. In some cases, owners have been surprised to find out that higher-margin services and products, with a demand for hand holding, don’t make much more than the lower-priced,

1. SECURITY ASSESSMENT It's important to establish a baseline and close existing vulnerabilities. When was your last assessment? Get a certified cybersecurity professional to do this on a routine basis.

8. WEB SECURITY Internet security is a race against time. Use web security products to detect threats as they emerge on the internet and blocks them within seconds – before they reach the user.

2. EMAIL SECURITY Secure your email with enhanced security features.

Basic antispam is not enough.

9. ENCRYPTION Enable hard drive encryption and encrypted file systems whenever possible. The goal is to encrypt files at rest, in motion (think file transfer) and especially on laptops.

3. PASSWORD SECURITY Apply security policies on your network. Examples: Deny or limit USB file storage access, enable enhanced password policies, set user screen timeouts, and limit user access.

Leonard Galati

4. SECURITY AWARENESS TRAINING Utilize services to train your users - often! Teach them about data security, email attacks, and your policies and procedures. The HUMAN FIREWALL is one of your biggest weak spots.

6. DARK WEB RESEARCH Utilize a Dark Web scanning service. Knowing in realtime what passwords and accounts have been posted on the Dark Web will allow you to be proactive in preventing a data breach.

5. ADVANCED ENDPOINT SECURITY Protect your computers and data from malware, viruses, and cyber-attacks with advanced endpoint security. Regular Antivirus won’t cut it anymore. Today's latest technology can even rollback a ransomware attack.

7. SIEM (SECURITY INCIDENT & EVENT MANAGEMENT) Use a SIEM product to collect logs from machines and network devices, review data, correlate data with threat intelligence feeds, and deliver actionable intelligence to thwart attacks.

10. BACKUP & DISASTER RECOVERY Backup local and offsite to the cloud. Include in your DR plan a way to spin up servers and access data in the event of a disaster. Test backups often.

If you would like to learn more about implementing these safeguards: http://www.cyberteam.us/contact-us or call 914-417-4814.

Leonard Galati is a CISSP (Certified Information Systems Security Professional) and the CEO of CYBERTEAM a Westchester based IT Services & Cybersecurity company servicing Westchester and Fairfield Counties.

HGAR agrees to MLS merger

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he Hudson Gateway Multiple Listing Service has agreed to merge with the Multiple Listing Service of Long Island, creating a regional multiple listing service company called New York MLS LLC. The new multiple listing service will draw from about 40,000 real estate professionals in the New York City boroughs Queens, Brooklyn, Manhattan and the Bronx, along with Westchester, Nassau, Suffolk, Putnam, Rockland, Sullivan and Orange counties.

Discussion on the possible merger started in June 2017 between leaders of the Long Island Board of Realtors Inc. and the Hudson Gateway Association of Realtors (HGAR), which own the respective multiple listing services. In February, the two sides reported agreement on the framework for a deal.

Since then, HGAR added listings farther upstate by acquiring the Sullivan County Multiple Listing Service in April.

Richard Haggerty, CEO of HGAR, will serve as president and chief strategic growth officer of the new multiple listing service.

“The launch of the new MLS is an exciting move in the right direction to uniting area real estate professionals, by creating the only MLS members will need,” Haggerty said.

Jim Speer, who served for 30 years as senior vice president of operations of the Long Island multiple listing service, will be CEO for the new MLS. The new regional MLS does not yet have an office name. It is expected to be operational sometime next year.

— Ryan Deffenbaugh

Personal income up 4.2%

PRESENTED BY:

LAST CHANCE TO REGISTER westfaironline.com/events

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age earners in New York and Connecticut ranked average nationwide in personal income growth during the second quarter, according to data by the U.S. Bureau of Economic Analysis.

The personal income in the two states grew at an annual rate of 4.2 percent in the second quarter. Among all 50 states, Connecticut ranked 22nd and New York placed 23rd. Texas led the nation with a 6 percent growth rate in the second quarter, while Washington trailed far behind with a 1.6 percent rate.

Within the New England region, Connecticut and Maine tied with a 4.2 percent personal income growth rate, but the region averaged 3 percent due to weaker growth rates in Vermont, Rhode Island and New Hampshire. New York, which was placed in the Mideast region by the BEA, tied with Delaware for the highest rate in a geographic corridor that averaged 3.7 percent.

— Phil Hall

How to succeed and lead ◆ Learn to take risks Take responsibility ◆ Reap the benefits ◆ Own what you create

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For more information or sponsorship inquiries, contact Barbara Hanlon at bhanlon@westfairinc.com or 914-358-0766.

For more event information or questions, contact Tracey Vitale at tvitale@westfairinc.com or 914-358-0762.

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Faces and Places Doctors honored

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he Westchester County Business Journal presented its annual Doctors of Distinction Awards on Sept. 20 at the Doral Arrowwood in Rye Brook. Friends, family and colleagues were on hand to applaud their achievements. The winners are on page 4. Photos by Bob Rozycki.

1. Jay Zaslow, Denise Garcia Egin and Andrea Beltran Ruggiero 2. Finbarr Ifudu 3. Steve Kraus and Mark Fialk 4. Joel Fancis and Lorna Anderson 5. Jay Canell, Justin Dembo and Neil Canell 6. Glenn Elia 7. Ashutosh Kaul 8. Linda Ferrentino, Vera McEnroe and Tom Owens 9. Dan Zucchi and Holly Benedict 10. Gary Sastow and Anthony Sanfratello 11. David Karcher 12. Robert Rosenberg, Jeanmarie Loria and Stefania Gabriele 13. AnneBeth Litt 14. Dean Brown, Janice Green and Yami Holguin 15. Matthew Sullivan and Haim Keren

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drive diversity and profitability Diversity and inclusion creates a positive business culture with real competitive advantages.

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McKinsey Global Institute. 2Harvard Business Review’s Center for Talent Innovation. 3Ibid.

1

“Bank of America Merrill Lynch” is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed. ©2018 Bank of America Corporation. ARCLCR4P 09-18-0101

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OCTOBER 1, 2018

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Contributing writer | Ronald B. Hegt

The Devil is in the Details: What Will Make or Break the QBI Deduction – Part 2

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n Part 1 of this article, we discussed the definitions of which businesses qualified for the new 20 percent business deduction (Qualified Business Income or QBI) and which service businesses do not (Specified Service Trades or Businesses or SSTB). Part 2 will take a little deeper dive into what will make or break the deduction.

The computation of the new deduction is simple enough on its face.

Taxpayers who have income from a qualified business are entitled to deduct the lower of 20 percent of the income allocated to them or 50 percent of their share of wages paid to all employees of the business. For businesses that are capital intensive with low payroll (think real estate) an alternative to the 50 percent

test can be used, where that limit is replaced with a limitation based on a combination of 25 percent of wages plus 2.5 percent of the original cost of most property used in the trade or business. For taxpayers with multiple business interests, each business stands on its own for purposes of the limitation computations and the resulting separate computations are combined in determining the deduction. Losses from one business will reduce the overall benefit from profitable businesses.

For a married couple filing a joint return, the 50% percent wage test (as well as the alternative test) is not applicable for any year in which their taxable income is $315,000 or less. In addition, at that income level, the 20 percent

deduction is available to all flow-through businesses, regardless of whether or not they are an SSTB. This special set of rules phases out over the next $100,000 of income and is completely phased out when taxable income reaches $415,000. For all other taxpayers, the income limits are $157,500 and $207,500, respectively.

Wages for these purposes are defined as wages paid and reported by the employer on W-2s to employees of the trade or business. It also includes wages paid to employees by a professional employer organization or another organization that is paying the payroll to a business’ common law employees. In short, wages count for the entity that is the common law employer. Wages

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104 Grandview Avenue | White Plains, NY 10605

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do not include guaranteed payments made to partners, nor payments to a sole proprietor from their business.

Of note is the compliance rule that says wages will not count unless W-2s are actually prepared and filed annually.

These rules put many S corporations at an advantage over the same business that is operated through a partnership, since wages paid to the owner of an S corporation will qualify for the 50 percent test. For example, assuming the phase-in rules do not apply, if an S corporation shows a $100,000 profit and has only paid $45,000 of wages, all of which were paid to the owners, the deduction will be the lower of 20 percent of $100,000 ($20,000) or 50 percent of $45,000 ($22,500), resulting in a reduction of taxable income of $20,000. If the same business was operated as a partnership and $45,000 of guaranteed payments were paid to the partners, the guaranteed payments would not count as wages and therefore there would be no deduction available.

Without regulatory relief, a taxpayer with multiple businesses, where one has large payroll and the other has a large profit, would be at a disadvantage since the wage base of one could not be used in the testing for the other. The regulations provide an optional way for taxpayers to elect to aggregate qualifying businesses into one, for purposes of computing the deduction.

Eligible businesses include those that are 50 percent or more owned by the same person or group of persons, and satisfy two of the following tests: provide services or products that are the same or customarily offered together, share facilities or share significant centralized business elements, or operate in coordination with or in reliance on each other. Once the 50 percent

ownership test is met, any owner may elect to aggregate business interests on their return. For example, if A owns 50 percent of partnerships X, Y and Z and B owns 10 percent of X and Y, B can elect to aggregate his interests in X and Y since someone in the group owns at least 50 percent of them.

Once the aggregation election is made, both the 20 percent and 50 percent tests are computed at the combined level and must be handled that way going forward.

The test of whether a trade or business is a QBI or an SSTB is not an all-or-nothing test. If a trade or business has less than $25 million in gross receipts for the year, it will not be treated as an SSTB if less than 10 percent of the business receipts are attributable to the performance of services in one of the disqualified fields listed earlier.

If gross receipts exceed $25 million, the test is reduced to 5 percent.

This de minimus rule presents an opportunity for certain businesses wherein the services provided are a mixture of both disqualified and qualified services. Take, for example, a company with $20 million of annual revenue that derives $18.5 million from the sale of manufacturing equipment and $1.5 million from consulting, installation and training services.

Since the company derives less than 10 percent of its income from consulting services, these services will not be counted as an SSTB.

FINAL PLANNING THOUGHTS

Early on, many practitioners thought that an SSTB (such as a law firm or accounting firm) could form a related entity and transfer all of the non-SSTB back office operations (billing, payroll, human resources, maintenance, etc.) to it. By segregating these services into a new entity and providing them at a profit, the

thought was that some of the otherwise nonqualifying profits could be shifted to a QBI entity to create an eligible deduction.

The regulations prohibit that, in whole or in part, for any two entities that are 50 percent or more owned by the same individuals. This model would still work to the extent the management company is providing services to noncontrolled businesses.

Earlier we pointed out that wages paid to an S corporation owner would be counted toward the 50 percent of wages test. Keep in mind that paying wages to an owner of an S corporation can be used to increase the value of the deduction, even though it serves to reduce QBI. As long as the 50 percent wage test limit is lower than the 20 percent of net income limit, paying wages will increase the available deduction.

While these regulations are in the proposed stage, the Treasury department is holding public hearings in mid-October and plans to issue final rules before next filing season begins.

While the intent of the provision was to give a tax benefit to flow-through business owners, to provide a break similar to the corporate rate cut, the simple concept has become extremely complicated and will be years before all the issues are resolved.

Ronald B. Hegt is a tax partner at Citrin Cooperman with more than 40 years of experience in accounting and taxation. His area of expertise is in serving as the entrepreneurial tax and business adviser to middle-market entrepreneurs, their businesses and their families. He can be reached at 914-949-2990 or at rhegt@ citrincooperman.com. Citrin Cooperman is a full-service accounting and consulting �irm with 10 locations on the East Coast. More at citrincooperman.com.

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Norwegian Air to end flights from Stewart to Belfast and Edinburgh

BY BOB ROZYCKI bobr@westfairinc.com

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orwegian Air — New York Stewart International Airport’s only international carrier — is ending direct service to Edinburgh, Scotland, in the spring and flights to Belfast, Ireland, at the end of October.

“Following a comprehensive review of our services to and from Edinburgh, Norwegian has decided to withdraw its routes from Newburgh, New York, and Providence, Rhode Island, as well as from several European destinations,” Anders Lindström, director of communications for the airline’s U.S. operations, said in an email on Sept. 25.

Flights to Dublin will remain twice-daily, Lindström said. Flights to Shannon, Ireland, will also continue.

A spokesperson for Belfast

International Airport accused the airline of “moronically channeling much greater levels of Northern Ireland passengers onto Dublin flights.”

“It is an unsustainable situation that two million people in our catchment area should be left with no option but to undertake lengthy and unnecessary journeys to Dublin in order to fly across the Atlantic,” the spokesperson told the Belfast Telegraph.

According to The Scotsman newspaper, Norwegian is ending two of its five other routes from Edinburgh Airport to Barcelona, Spain, and the Canary Island of Tenerife. The flights will end in March, cutting Norwegian’s routes out of Edinburgh from six to three.

The Scotsman reported that the airline is also closing its operations base at Edinburgh Airport.

“Our affordable U.S. flights were launched with the pros-

One of Norwegian Air's Boeing 737 MAX's arriving at New York Stewart International Airport. Photo

by Bob Rozycki.

pect of a reduction in air passenger taxes that was unfortunately postponed by the Scottish government. This has forced us to fully withdraw our transatlantic services to and from Edinburgh, as it would not be a sustainable operation,” Lindström said.

Two years ago, Scotland’s major airports had asked First Minister and leader of the Scottish National Party Nicola Sturgeon in a joint letter to cut air passenger duty (APD) by 50 percent in April 2018.

Independent research commissioned by Edinburgh Airport found that a “50

percent cut in APD would generate an additional 4,000 jobs and bolster Scotland’s economy by an additional 1 billion pounds.”

Amanda McMillan, managing director of Glasgow Airport, wrote, “The longer this regressive tax is in place, the longer it will damage Scotland’s economy, our tourism potential and our ability to prosper as a nation. This is something, which has also been recognized by our business and tourism partners.”

It has been reported that the Scottish National Party has failed to garner support

for cutting the APD. Liz Cameron, chief executive of the Scottish Chambers of Commerce, stated in the letter that the “air passenger duty is a tax on Scotland’s connectivity and a tax on international trade. The U.K. is currently one of the few European countries to apply a tax on air travel and it does so at a very high rate.

Devolution of APD, therefore, gives Scotland the opportunity to boost our competitiveness by decisively reducing the impact of this tax by 50 percent. Doing so would make Scotland an even more attractive place to do business, and the sooner this tax is cut, the better.”

The last flight from Stewart to Edinburgh is scheduled to depart March 29.

In an interview with USA Today earlier in September, Norwegian CEO Bjørn Kjos said flights from Newburgh and Providence remain important.

“You have to try,” he said, adding that he’s happy with the current lineup of transatlantic offerings. “The routes that we are flying now work quite fine.”

“I think we will fly more into Newburgh,” Kjos told the newspaper, though he did not offer specifics. “Newburgh is doing very well.”

Since Norwegian began flights at Stewart in June 2017, passenger count more than doubled at the airport. The increase also prompted the Port Authority of New York and New Jersey to rebrand the airport as New York Stewart International Airport to make it easier for international travelers to easily identify its geographical location.

The Port Authority also approved a $30 million expansion of the airport that includes construction of a permanent U.S. Customs and Border Protection inspection area.

The entire Phelps Hospital Family proudly congratulates

Dr. Michael Grasso, III on being presented the Doctor of Distinction award “No Land Too Far.” We applaud your dedication to providing extraordinary, compassionate care to our patients and your willingness to share your knowledge and expertise to help improve healthcare around the world.

Powerful Innovation, Compassionate Care

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phelpshospital.org 914-366-3000

DO YOU KNOW A MILLENNIAL WHO CAN CHANGE THE WORLD? PRESENTED BY:

Millennials, the largest segment of the workforce, are critical for future economic growth and innovative platforms. Nominate an exceptional millennial* who can change the world in the following categories:

COMMUNITY INVOLVEMENT • GREEN • INNOVATION • “MILLIPRENEUR” (ENTREPRENEUR) • CREATIVE • TECHNOLOGY • MEDICAL • NONPROFIT • FINANCE BRONZE SPONSORS:

*Living or working in Fairfield or Westchester counties, age 21-34

A CALL FOR NOMINATIONS Nomination Deadline:

OCTOBER 16 SUPPORTERS:

NOMINATE AT:

westfaironline.com/events

Awards Reception:

NOVEMBER 13 For event info, contact: Tracey Vitale at tvitale@westfairinc.com or 914-358-0762 For sponsorship inquiries, contact: Marcia Pflug at mpflug@wfpromote.com or 203-733-4545

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Faces and Places Business forum

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esigned to help business owners understand what they need to do to prepare to exit their businesses, “Who’s Next?” was held at the Whitby Castle in Rye on Sept. 25. The presenting sponsors of the noontime event were Webster Bank and Westfair Communications. Photos by Sebastian Flores.

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1. Laura Donovan and Eddie Monroy 2. Joseph Bodan, Nicholas Marra, Andi Gray and Gregory Kearney 3. Megan Lucas and Merin Joseph 4. Robert Rosenberg and Mellany Bagtas 5. Alice Fratus-Nodel and John Yankovich 6. John Guy, Shari Miller, Nick Parisi and Mike Traynor

MONTEFIORE CONGRATULATES MILAN KINKHABWALA, MD, AND SARAH BELLEMARE, MD, HUSBAND AND WIFE, AS THE 2018 WESTCHESTER COUNTY DOCTORS OF DISTINCTION “ALL IN THE FAMILY” AWARD WINNERS. This award recognizes family members who work together, dedicating their lives to make other lives better.

MONTEFIORE IS THE UNIVERSITY HOSPITAL FOR ALBERT EINSTEIN COLLEGE OF MEDICINE.

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Westchester Hudson Valley Bronx

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WCBJ

OCTOBER 1, 2018

17

‘Who’s Next?’ to take over a business

BY PETER KATZ pkatz@westfairinc.com

O

wners of closely held businesses need to start planning five or even 10 years in advance if they hope to avoid complications when it’s time to turn the business over to other family members or maximize value for a sale to outsiders, according to experts who participated in a Sept. 25 event covering business-succession strategies.

Keynote speaker Andi Gray.

Gregory & Howe will be conducting a significant

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The forum “Who's Next?” was designed to help business owners understand what they need to do to prepare to exit their businesses.

“Historically, when you would ask business owners what do they expect to do with the business it was about a 50/50 mix — give it to the family or move it on to someone in the family or sell it to outsiders,” said Andi Gray, founder of the consulting firm Strategy Leaders Inc. Gray was the keynote speaker and moderator of a panel featuring Joseph R. Bodan, a partner at accounting firm PKF O’Connor Davies; Nicholas S. Marra, senior vice president and regional manager for Webster Bank; and Gregory W. Kearney, senior vice president and financial consultant at Webster Bank.

Gray noted that what actually happened was not always what the owners had intended: only about 15 percent of businesses actually got to the second-generation family members and about 5 percent subsequently got to the third generation.

“While 50 percent thought they were going to get the family engaged, it didn’t happen so much,” she said.

Gray cited figures from the Estate Planning Institute that about 20 to 30 percent of the businesses going to market actually are selling right now.

Bodan suggested that how the business is structured can make a difference in its attractiveness to potential buyers. He said that consideration should be given to being an “S” corporation because you don’t know whether the deal is going to be selling assets or stock and you might be able to avoid the double taxation that can come from being a “C” corporation.

Where small-business owners hurt themselves is in not surrounding themselves with the “right” people who have needed expertise, according to Marra. “The right people change as your business changes. There’s no one right person that’s gonna take you from inception to selling, but the key to the equation is in paying for the right information when you need it to be successful,” he said.

In Kearney’s view, “Business owners actually have to sit down with a licensed planner or somebody that they're comfortable with to go through what is it that they want from the business. Do they need a cash flow? What is it they want to go to beneficiaries? Do they just want to leave a legacy? Do they want to leave money to charity? Do they want to minimize estate taxes? How to you take assets out of an illiquid business? How do you turn that into a cash flow down the road, through trusts, etc.?”

“Information is the key,” Marra said. “That idea of game planning and goal setting has to start sooner (rather) than later. By the time you’re ready to sell, it's too late. There are too many things that have to fall into place and then it becomes more luck than skill, and I for one don’t want to depend on luck. I’d rather know where I’m headed and what that outcome’s gonna be.”

The presenting sponsors of the noontime event held at the Whitby Castle in Rye were Webster Bank and Westfair Communications, publisher of the Westchester and Fairfield County Business Journals and WAG magazine.

SPECIAL REPORT | Banking and Finance

Former White Plains and Mount Kisco Nissan dealerships on hook for $40.2M judgment

The former Nissan dealership on North Bedford Road in Mount Kisco. Photo via Google maps.

BY BILL HELTZEL bheltzel@westfairinc.com

O

n the way to earning an “F” rating with the Better Business Bureau, White Plains Nissan was criticized by several customers who said they had been unable to get permanent registrations for their cars.

The dealership, they claimed, was making lots of excuses and stringing them along, according to BBB complaints registered in 2016 and 2017.

The clue as to what really was going on can be found in a Sept. 11 court order by Katherine B. Forrest, a U.S. District Judge in Manhattan.

She ruled that White Plains Nissan and other dealerships controlled by the same owners must pay $40.2 million to Nissan Motor Acceptance Corp.

The car dealers, according to court documents, had been selling vehicles “out of trust.”

Instead of repaying loans to Nissan when vehicles were sold, the dealers were “pocketing the sale proceeds.”

And when Nissan was not repaid, the car company would not release titles that would enable buyers to register their vehicles with the state Department of Motor Vehicles.

At one point in early 2017, White Plains Nissan owed Nissan $3.6 million for “floor

plan” loans on cars. Nissan of Mount Kisco, controlled by the same ownership group, owed $2.2 million.

Nissan had provided the ownership group with several types of financing, according to the car company’s pleadings, including $12.1 million that was secured by a mortgage on White Plain Nissan’s property. In all, the owners were indebted to Nissan for $56 million at one point.

The dealership group was controlled by Gary B. Flom of Manhattan. Flom, who was born in Russia and served in the U.S. Marine Corps, according to news accounts, had built an impressive record as a general sales manager.

He was president of a Ford-owned dealership from 1998 to 2014. He had managed Jaguar, Land Rover, Lexus, Mazda and Volvo franchises.

In 2014, he formed BNF Partners NY LLC, an umbrella company for his new ventures in Westchester and Manhattan. His partners were Veniamin Nilva, a Russian businessman with ties to Brooklyn, and Alexander Boyko, an investor with Russian interests. Nilva and Boyko live in Aventura, Florida.

They opened the White Plains store at 500 Tarrytown Road in Greenburgh in 2014.

Nissan of Mount Kisco opened the following year. Both have since ceased operations.

A lot of the Nissan financing was for establishing and building Nissan and Infiniti deal-

erships on Auto Row in Hells Kitchen on the West Side of Manhattan.

Eventually, as construction costs rose, the Flom group ran out of money and the Manhattan project was abandoned.

The enterprise collapsed because of how the Flom group had structured its finances. The partners had crafted a series of interlocking franchise, financing and real estate agreements, in part, to fund the Manhattan construction. Every loan was cross-collaterized.

If one deal defaulted, they all defaulted.

Nissan argued that the Flom group was using the proceeds from vehicles sold out of trust to run the businesses. They were selling cars without promptly paying off the loans.

Nissan pulled the plug in late 2016.

It suspended all financing and demanded repayment, according to court records, but the dealerships refused to pay off the loans or to surrender unsold vehicles that Nissan had financed.

In one instance cited by Nissan, the Mount Kisco dealership allegedly financed the purchase of a vehicle with Nissan but failed to pay off a previous bank loan on the customer’s trade-in vehicle. Nissan didn’t get its money back and the customer was left with liability on two loans.

Customers were unhappy with Nissan, because it held the titles they needed to regis-

ter their vehicles. Nissan said it felt compelled to surrender titles to “innocent purchasers,” and in doing so it sacrificed its priority security interests.

Last year, the Flom group’s Manhattan dealerships sued Nissan for breach of contract. Forrest summarized their position in a May opinion: “Nissan had embarked on a pattern of bad faith, whereby the dealerships were set up from the beginning to fail.”

Nissan North America Inc. and Nissan Motor Acceptance Corp. filed a counterclaim, naming the business partners and the Westchester dealerships, citing the intertwined loans and accusing the owners of breach of loan agreements.

The dispute, Forrest noted, has generated countless motions, a mountain of briefings, protective orders, “a Byzantine series of show-cause hearings, interlocutory appeals, findings of contempt” and more than 500 docket entries.

“At the end of the day, however, this case is a straight-forward breach of contract claim,” she said in the May opinion.

The Flom group acknowledges that it owes debts to Nissan and signed contracts that provide for damages, she said in the Sept. 11 ruling.

“They seek to avoid payment of those damages, but do not raise any triable issue regarding the reasonability of NMAC’s (Nissan) proposed and well-documented damages.”

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SPECIAL REPORT | Contributing writer | William Tommins

Four tactics to help attract and retain manufacturing talent

A

ttracting and retaining top talent for the manufacturing industry is more challenging than ever. Employment is up, U.S. unemployment is at a 10-year low (falling to 4.4 percent this year) and baby boomers are reaching retirement age and exiting the workforce. The global supply of high-skill workers is not keeping up with demand and, according to the McKinsey Global Institute, there may be a potential shortage of more than 40 million highskill workers by 2020. HR departments have shifted focus from salaried employees to filling hourly positions, which increasingly require problem-solving skills and technical expertise.

Unfortunately, the manufacturing industry is suffering from a perception problem; eligible recruits fear layoffs, associate the industry with a “lower status stigma” and foresee superior career growth in other occupations. To mitigate these issues, companies must be creative

in their appeals to the next generation of manufacturing professionals. Here are some methods to help improve recruiting and retention.

DIFFERENTIATE

During recruitment, reinforce the fact that manufacturing jobs often pay better than other unskilled or semi-skilled labor positions.

According to IndustryWeek, fast-food workers stand to make $10 to $15 an hour, while a new manufacturing employee could make $15 to $25 an hour. Even if the position isn’t something the worker wants long term, a role at the entry level will expose them to other areas of the business. If he or she commits to further training within the company, the individual has a chance to make even more. Make sure to express the potential growth opportunities in the interview process and reinforce the value of the hourly employee.

Another area for differentiation is workplace culture. Articulate the improved safety standards, collaborative environment and use of state-of-the-art technology in job descriptions. Also, reinforce that your company will provide ongoing education, including access to more in-depth training.

PARTNER WITH LOCAL SCHOOLS

Some companies are beginning to conduct focused outreach at local high schools, community colleges and technical schools. By working with in-school counselors, manufacturers can identify students with the skill set and desire to learn more about technical pursuits.

Presenting at job fairs or “career days” can also help dispel myths regarding the nature of the work and build rapport with a younger audience. Another route is to offer sponsorships, internships and/or apprenticeships. Programs

such as these provide a hands-on experience without the full commitment of employment.

Candidates will have a better idea of on-the-job responsibilities, and employers can vet aptitude accordingly.

RE-EVALUATE BENEFITS

By 2020, millennials are expected to compose 50 percent of the global workforce, so they will have significant influence in the work experience. According to Ernst & Young, millennials are the generation most likely to change jobs, give up promotions or take a pay cut to have flexibility in their work. In order to attract this talent, manufacturers should reconsider paid-leave and scheduling policy.

For example, Globe Manufacturing of Pittsfield, New Hampshire allows its first-shift employees to choose from start times between 6 a.m. and 8 a.m. Although around 80 percent still choose to begin the day at 6 a.m., they report satisfaction with the freedom of choice. Other companies are offering shift-switching options; if you have to attend your child’s piano recital, for example, you have the option to swap shifts with another employee. Lastly, consider implementing flexible vacation. Rather than offering the entire company the same weeks off, allow employees to choose their leave.

UPDATE SOURCING TECHNOLOGY

Consider pairing with a partner firm that can provide modernized recruitment technology and expertise for your company. For example, many workers in the U.S. speak English as a second language. Some recruitment technologies offer multilingual career sites to ensure all information about the company and its jobs is understood correctly. A good partner will also help you consolidate your records and process; moving application materials to an online portal will help you keep track of strong candidates, easily search for records and even open new doors to improve the company’s profit by facilitating the collection of data supporting work opportunity tax credits (WOTC). Lastly, a technology partner will help you craft a social media strategy. More than 3 billion people around the world use social media each month, with nine in 10 of the users accessing preferred platforms via mobile devices . Work with experts to create mobile-friendly messaging as well as target your audience on social media in a low-cost manner.

Recruiting the next generation of manufacturing workers won’t be an easy feat. But with a renewed approach to HR and talent management, the industry can find its future leaders.

William Tommins is the market executive for Global Commercial Banking in the Southern New England/Westchester Region of Bank of America and serves as market president in southern Connecticut. He has 30 years of experience in the banking industry, and since 1988, held positions of increasing responsibility in Bank of America’s predecessor’s commercial banking units in Connecticut and Westchester County. He can be reached at William.r.tommins@baml.com.

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SPECIAL REPORT | Contributing writer | David DeMilia

Cybersecurity protections for banking and finances

F

intech programs may have made it more convenient to conduct everyday banking and finance transactions through electronic portals, but with internet-based services being vulnerable to cyberthreats and phishing scams, balancing the ease of online banking with an astute attention to cybersecurity is crucial to safeguard personal and business finances from cybercriminals and harmful malware.

To be most effective financial cybersecurity — that is, the protection of money accounts against digital invaders — requires a multipronged approach, including efforts by financial institutions on one side and end-users on the other, namely, individuals and businesses that have banking and financial accounts.

Financial institutions are well aware of the critical need to implement effective cybersecurity tactics to protect their clients — and themselves — from cyberattacks and potential losses. Most of the companies invest deeply in IT teams that implement stringent cybersecurity tactics to safeguard their programs and accounts against current and future threats, often an on-going, involved and time-consuming effort.

While customers may be assured to know their banks and financial firms have and continue to take protective measures against cyberthreats, according to a recent FICO report, many people also are frustrated by the inconveniences resulting from those defensive strategies, including ones implemented across various industries. Per the report’s survey of American adults, although findings show that more than half of them have been victims of banking fraud, 80 percent don’t see the need for what they feel are unnecessary procedures and 71 percent are confident of their bank’s ability to check and verify account holders and prevent fraud.

As commendable as many reputable financial institutions’ cybersecurity efforts are, individual and companywide attention to securing their fiscal accounts from cyberthreats supports ones that banks and financial companies have in place, adding protective layers of against possible loss.

Following are defensive steps to help keep financial and other personal and business accounts from threats posed by cybercriminals, as recommended by the Federal Deposit Insurance Corp: • Monitor your tablet and smartphone, including not leaving them unattended, keeping up with operating system and app updates, using password accessibility and engaging “auto-lock” features for periods of inactivity.

Also, research apps of interest before downloading them and confirm your financial institution’s mobile download portal.

• Safeguard your computer with malware protection software, along with a firewall to guard against unauthorized computer access, automatic update engagement and strong log-in authentication to financial

accounts, including complex and regularly changed passwords with upper- and lower-case letters, numbers, and symbols.

• Be attentive when using the internet, including connecting with trustworthy websites, logging out of financial accounts after use, and being suspicious of unsolicited emails, especially those with dubious downloadable attachments and links.

• Use only a personal device for internet usage, accessing the web through trusted and secure connections; free Wi-Fi networks at remote locations may not be safe. Also, keep access information to your social media sites private and be wary of unsolicited invitations made through them.

Supporting banks’ and financial institutions’ strategies against cyberattacks by using

smart and common-sense internet protocols can help people and businesses keep their financial accounts secure while maximizing their ability to access the information through their computers and mobile devices.

David DeMilia is senior vice president, senior commercial lending manager for Tompkins Mahopac Bank. He can be reached at ddemilia@tompkins�inancial.com.

Pictured left to right: Michael Goldrick (PCSB), Brian Zappi, Brandon Zappi, Malcolm Couzens (PCSB)

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21

THE LIST: Food & Beverage Companies

WESTCHESTER COUNTY

Ranked by year company established. Listed alphabetically in the event of a tie.

Company name Address Phone number • Website

Year company established

Top executive Title

1901

Luis Fernandez and Antonio L. Contreras, co-presidents of ASR Group

Sugar refinery

1050 Buckingham St., Watertown, Conn. 06795 800-525-0070 • crystalrock.com

1914

Peter Baker President and CEO

Distributor of water, coffee and office supplies

2 South St., Mount Vernon, N.Y. 10522 914-667-8795 • lasquisita.com

1918

Joseph and Robert DeBenedictis, owners

Food production and distribution

Product line includes item such as beans, condiments, oils pasta, peppers and olives

333 Lordship Blvd., Stratford 06615 203-377-1440 • charmer-sunbelt.com

1933

John Parke President

Alcoholic beverage distributor

A wine and spirits distributor for the state of Connecticut, handling more than 3,000 on-premise and 1,125 off-premise accounts

1933

Dominick A. Bertoline President and chairman of the board

Alcoholic and nonalcoholic beverage distributor

Family-owned wholesaler of beers, malt liquors and nonalcoholic beverages, serving more than 2,300 accounts in New York's Putnam and Westchester counties

201 Black Rock Turnpike, Fairfield, Conn. 06825 888-244-3569 • bigelowtea.com

1945

Cindi Bigelow President and CEO

Tea blender, producer and distributor

Private, family-owned tea blender, producer and distributor

360 Hamilton Ave., White Plains, N.Y. 10601 914-681-4100 • heinekenusa.com

1946

Maggie Timoney President and CEO

Beverage importer and distributor

Brands include Heineken, Amstel, Newcastle, Dus Equis, and others

1964

Robert Cicarelli and Michael Cicarelli, co-owners

Vending and food-service company

Family-owned vending and food-service company serving businesses, school systems, universities, camps, country clubs and public facilities in Connecticut and New York

700 Anderson Hill Road, Purchase, N.Y. 10577 914-253-3055 • pepsico.com

1965

Raymon Laguarta* Chairman and CEO

Food and beverage company

Manufactures, markets and distributes grain-based snack foods, beverages and other products

55 Hunter Lane, Elmsford, N.Y. 10523 914-846-2300 • drpeppersnapplegroup.com

1972

Larry D. Young President and CEO

Fruit juices and carbonated beverages

Manufacturer, producer and distributor of flavored fruit juices and carbonated beverages

900 Long Ridge Road, Building 2, Stamford, Conn. 06902 203-531-4100 • nestle-watersna.com

1976

Fernando Mercé President and CEO

Bottled water distributor

80 International Blvd., Brewster, N.Y. 10509 914-347-3131 • 845-940-1501 • aceendico.com

1982

William A. Endico, CEO Murray Hertzberg, president

Fine foods purveyor and distributor

5723 Route 22, Millerton, N.Y. 12546 888-427-6398 • harney.com

1983

Michael Harney President

Tea manufacturer, producer and distributor

Producer, manufacturer and distributor of tea products and tea accessories, treats and gifts

777 Westchester Ave., White Plains, N.Y. 10604

1986

Tomer Harpaz, CEO

Food producer and distributor

Products include hummus, guacamole, Greek yogurt dips, salsas and others

1994

Ruth L. Tedder President

Food ingredients supplier

Supplier of nutritional food items, including dried fruits and fruit formulates, fibers, food grade colors, hydrocollides/gums, inulin and sweeteners and other functional ingredients

1997

Deirdre Mahlan President, Diageo North America

Alcohol producer and distributor

International alcoholic beverage producer and distributor of spirits, beer and wine

Alcohol beverage representative and distributor

Alcohol consortium represents 6 breweries. Brands include O'Hara Irish Craft Beers, Paulaner, HackerPschorr, Fuller's Ales, Fruli, Furstenberg

1

ASR Group|Domino Sugar

2

Crystal Rock

3

La Squisita Food Corp.

4

Connecticut Distributors Inc.

1 Federal St., Yonkers, N.Y. 10705 914-963-2400 • dominosugar.com • asr-group.com

D. Bertoline & Sons Inc.

7 John Walsh Blvd., Peekskill, N.Y. 10566 914-737-0266 • dbertolineandsons.com

5

Bigelow

6

Heineken USA

7

Berkshire Food Inc.

8

PepsiCo

9

Snapple Distributors Inc.

11 Old Newtown Road, Danbury, Conn. 06810 203-792-3435 • bfoods.com

10

Nestlé Waters North America

11

Ace Endico Corp.

12

Harney & Sons Tea Corp.

13

Sabra Dipping Co. LLC 914-932-9000 • sabra.com

14

Pocantico Resources

15

Diageo North America

16

Type of business

55 Broadway, Tarrytown, N.Y. 10591 914-631-3545 • pocanticoresources.com 801 Main Ave., Norwalk, Conn. 06851 203-229-2100 • diageo.com

Paulaner USA LLC

2 Westchester Park Drive, Suite 201, White Plains, N.Y. 10604

2009

Steve Hauser President and CEO

914-908-6500 • paulanerphusa.com

17

Yonkers Brewing Co.

18

Charter Oak Brewing Co. LLC

19

Kraft Foods International Inc.

20

Danone North America

Description

Refining and packaging of granulated sugar and sweeteners, including confectioner's sugar and brown sugar and all-natural sweeteners; three refineries produce 2.2 million metric tons of sugar annually Home and office manufacturer and distributor of water, coffee, office supplies and other home and office refreshment products

Manufacturer, producer and distributor of water brands, including spring waters, purified, sparking and mineral waters Distributor of dairy, produce, meats, seafood, fine imported specialty products, paper and canned goods, serving New York's Westchester and Putnam counties

92 Main St., Yonkers, N.Y. 10701 914-226-8327 • yonkersbrewing.com

2010

John Rubbo, Nick Califano Founders

Alcohol producer and distributor

Local craft brewery delivering bottled and draft beer options to locations throughout New York City, Westchester and the Hudson Valley

39B Shelter Rock Road, Danbury 06810 203-616-5268 • charteroakbrewing.com

2011

P. Scott Vallely President

Craft beer brewery

Local craft brewery operation marketing premium, fresh beer in bottles and draft options

800 Westchester Ave., Rye Brook, N.Y. 10573 914-335-2500 • mendelezinternational.com

2012

John Cahill Executive chairman

Food manufacturer and distributor

Manufactures and markets snacks, beverages, cheeses and other packaged grocery products

2017

Emmanuel Faber Chairman and CEO

Food manufacturer and distributor

Brands include Activia, Dannon, Horizon, Oikos, Silk, Land O'Lakes and more.

1 Maple Ave., White Plains, N.Y. 10605

This list is a sampling of food and beverage companies with locations in the region. If you would like to include your company on our next list, please contact Peter Katz at pkatz@westfairinc.com. * Laguarta was due to replace Indra Nooyi effective Oct. 3, 2018.

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Facts & Figures BANKRUPTCIES Manhattan Parea Group LLC, 14 W. 23 St., Fifth floor, New York City. Chapter 7, voluntary. Attorney: James H. Shenwick, New York City. Filed: Sept. 21.

Case no. 18-12845-mew.

White Plains Amelia Holding Corp., 150 Cortlandt St., Tarrytown. Chapter 11, voluntary. Attorney: Anne J. Penachio, White Plains. Filed: Sept. 25. Case no. 18-23462-rdd.

SOMS Technologies LLC, 4 Broadway, Suite 11, Valhalla. Chapter 11, voluntary. Attorney: Michael J. Riela, New York City. Filed: Sept. 21.

Case no. 18-23446-rdd.

COURT CASES Armorstruxx LLC, et al. Filed

by Adam Conti Family Trust, et al.

Action: Diversity - notice of removal. Attorney for plaintiff: N/A. Filed: Sept. 24. Case no. 7:18-cv-08737-NSR. CMRE Financial Services Inc. Filed by Sarah Bleier. Action: Fair Debt Collection Act. Attorney for plaintiff: Craig B. Sanders. Filed: Sept. 20. Case no. 7:18-cv-08618-VB. KEB Mechanical LLC. Filed by the trustees of the Plumbers & Steamfitters Local 21 Benefit Funds.

Action: Collection of delinquent trust funds. Attorney for plaintiff: Danielle Marlene Carney. Filed: Sept. 24. Case no. 7:18-cv-08718KMK. LTF Club Management Company LLC d.b.a. Life Time Fitness, et al. Filed by Kristen Brescia. Action: Job discrimination - unlawful employment practices. Attorney for plaintiff: Benjamin Suess. Filed: Sept. 24. Case no. 7:18-cv-08715-NSR.

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: Peter Rubino c/o Westfair Communications Inc. 3 Westchester Park Drive, Suite G7 White Plains, N.Y. 10604-3407 Phone: 694-3600 • Fax: 694-3699

Luxor Estates Condominium Association. Filed by Miroslaw Pasternakiewicz. Action: Denial of overtime compensation. Attorney for plaintiff: Jordan Alexander ElHag. Filed: Sept. 20. Case no. 7:18-cv08602-VB. New Property Associates LLC, et al. Filed by Fair Housing Justice Center Inc., et al. Action: Fair Housing Amendments Act. Attorney for plaintiff: Diane Lee Houk. Filed: Sept. 20. Case no. 7:18-cv-08605-CS. NYC Medical Practice PC, et al.

Filed by Keylee Lawrence, et al. Action: Fair Labor Standards Act. Attorney for plaintiff: Steven Bennett Blau. Filed: Sept. 21. Case no. 7:18-cv08649-VB. Park Shirt Company Inc., et al. Filed by the trustees of The National Retirement Fund. Action: Withdrawal liability. Attorneys for plaintiff: Jennifer Oh and David C. Sapp Jr. Filed: Sept. 19. Case no.

7:18-cv-08553-KMK. Pelican Management Inc., et al.

Filed by Andrew Prokos. Action: Copyright infringement. Attorney for plaintiff: Michael Douglas Steger. Filed: Sept. 21. Case no. 7:18-cv08648-CS. Sutton Park Center for Nursing and Rehabilitation. Filed by Paul Mores. Action: Family and Medical Leave Act - findings and purposes. Attorney for plaintiff: Laura M. Logiudice. Filed: Sept. 19. Case no.

7:18-cv-08546-KMK. Walmart Stores East LP, et al.

Filed by Cosmo Campodonico. Action: Notice of removal. Attorney for plaintiff: N/A. Filed: Sept. 20. Case no. 7:18-cv-08606.

FORECLOSURES Amawalk, 15 Watergate Drive.

Single-family residence; lot size: 1.03 acres. Plaintiff: HSBC Bank USA National Association. Plaintiff’s attorney: Gross Polowy LLC, 716204-1700; 1775 Wehrle Drive, Williamsville. Defendant: Irina Fiorella.

Referee: Maria Rose Sammarco.

Sale: Oct. 16, 10:30 a.m. Approximate lien: $675,937.67.

Armonk, 3 Leisure Farm Drive.

Single-family residence; lot size: 3.11 acres. Plaintiff: Key Bank NA. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester. Defendant: Anthony Vereziano. Referee: Anthony Colavita. Sale: Oct. 16, 9:30 a.m. Approximate lien: $1,953,189.18.

ON THE RECORD

Katonah, 2501 Route 35. Single-family residence; lot size: 174 x 204. Plaintiff: Wilmington Savings Fund Society. Plaintiff’s attorney: Gross Polowy LLC, 716-204-1700; 1775 Wehrle Drive, Williamsville.

Defendant: Naim Sergio Zherka.

Referee: Darren DeUrso. Sale: Oct. 2, 12:30 p.m. Approximate lien: $547,335.

Mount Vernon, 165 Sheridan Ave. Single-family residence; lot size: .17 acres. Plaintiff: Citibank NA. Plaintiff’s attorney: Gross Polowy LLC, 716-204-1700; 1775 Wehrle Drive, Williamsville. Defendant: Karen Keith. Referee: Barbara Lerman. Sale: Oct. 16, 9:30 a.m. Approximate lien: $1,364,036.02.

Ossining, 42 Hudson Point Lane. Apartment; lot size: .01 acres. Plaintiff: Wells Fargo Bank National Association. Plaintiff’s attorney: Woods Oviatt Gilman LLP, 700 Crossroads Building, 2 State St., Rochester. Defendant: Suzanne Clevenberg. Referee: Daniel Hollis III. Sale: Oct. 2, 9 a.m. Approximate lien: $397,464.39.

Pleasantville, 16 Club Court.

Single-family residence; lot size: .05 acres. Plaintiff: Deutsche Bank National Trust Co. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 877-7591835; 175 Mile Crossing Blvd., Rochester. Defendant: Ben Rosenshine.

Referee: Steven Lubowitz. Sale: Oct. 9, 9:30 a.m. Approximate lien: $682,006.11.

Tuckahoe, 52 Washington St. Two-family residence; lot size: .11 acres. Plaintiff: Wilmington Trust NA. Plaintiff’s attorney: Friedman Vartolo LLP, 85 Broad St., New York City. Defendant: Celia Watt. Referee: Andrew Buder. Sale: Oct. 16, 10 a.m.

Approximate lien: $916,237.48.

Tuckahoe, 60 Winterhill Road.

Single-family residence; lot size: .08 acres. Plaintiff: Bank of America NA. Plaintiff’s attorney: Aldridge Pite LLP, 40 Marcus Drive, Melville. Defendant: Anthony Decinto. Referee: John Guttridge. Sale: Oct. 1, 9 a.m.

Approximate lien: $577,128.

Yorktown Heights, 1070 Fox Meadow Court. Single-family residence; lot size: 1.0 acres. Plaintiff: The Bank of New York Mellon Trust Co. Plaintiff’s attorney: Leopold & Associates PLLC, 80 Business Park Drive, Armonk. Defendant: Edward Jennings. Referee: Helene Greenberg. Sale: Oct. 1, 9:30 a.m. Approximate lien: $622,469.97.

PATENTS Camera apparatus and system, method and recording medium for indicating camera field of view. Patent no. 10,084,979 issued to Jonathan Hudson Connell II, Cortlandt-Manor; and Sharathchandra Umapathirao Pankanti, Dairen, Connecticut. Assigned to International Business Machines Corp., Armonk.

Cold-plate device for a twophase cooling system. Patent no.

10,085,362 issued to Timothy Joseph Chainer, Putnam Valley; Pritish Ranjan Parida, Fishkill; and Fanghao Yang, Somerset, New Jersey. Assigned to International Business Machines Corp., Armonk.

Crowd sourcing network quality. Patent no. 10,085,205 issued to Ravi Kothari, New Delhi, India; and Dilip Krishnaswamy, Bangalore, India. Assigned to International Business Machines Corp., Armonk.

Enhanced cooling design for computing device. Patent no.

10,085,366 issued to William J. Anderl, Rochester, Minnesota. Assigned to International Business Machines Corp., Armonk.

Matching actionable events with goods and services providers. Patent no. 10,085,116 issued to Joshua S. Allen, Durham, North Carolina; Andrew J. Lavery, Austin, Texas; and Mario A. Maldari, Lyons, Colorado. Assigned to International Business Machines Corp., Armonk.

Minimizing leakage in liquid cooled electronic equipment.

Patent no. 10,085,367 issued to Timothy J. Chainer, Putnam Valley; and Pritish R. Parida, Stamford, Connecticut. Assigned to International Business Machines Corp., Armonk.

Preventing mobile communication device data loss. Patent no. 10,085,140 issued to Jean Chu, Bloomfield, New Jersey; Susan L. Diamond, Poughkeepsie; Peter B. Hom, Oakland Gardens; Raghunandan Hulgundi, Highland; Jenny S. Li, Danbury, Connecticut; and Jing-Na Yuan, Hopewell Junction. Assigned to International Business Machines Corp., Armonk.

Reconfiguring a mobile network based on cellular network state information. Patent no. 10,085,157 issued to Shahrokh Daijavad, Morgan Hill, California; Bijan Davari, Mahopac; Brian P. Naughton, Reading, England; and Dinesh C. Verma, New Castle. Assigned to International Business Machines Corp., Armonk.

Sysplexport allocation across a z/OS sysplex. Patent no. 10,084,890 issued to David A. Herr, Cary, North Carolina; Grant S. Mericle, Durham, North Carolina; and Benjamin T. Rau, Raleigh, North Carolina. Assigned to International Business Machines Corp., Armonk.

Wireless channel and/or band arbitration. Patent no. 10,085,174 issued to Al Chakra, Apex, North Carolina; Jonathan Dunne, Dungarvan, Ireland; and Liam Harpur, Dublin, Ireland. Assigned to International Business Machines Corp., Armonk.

PJP AMS LLC, Brooklyn. Seller: 82 East Main LLC, Goshen. Property: 82 E. Main St., Port Jervis 12771.

Amount: $192,000. Filed Sept. 13.

PJP AMS LLC, Brooklyn. Seller: Ferg and Mary LLC, Goshen. Property: 14 Ferguson Ave., Port Jervis 12771. Amount: $224,000. Filed Sept. 13.

PJP AMS LLC, Brooklyn. Seller: Ferg and Mary LLC, Goshen. Property: 17 Mary St., Port Jervis 12771.

Amount: $224,000. Filed Sept. 13.

Planet Home Lending LLC, Meriden, Connecticut. Seller: Paul C. Brite, Newburgh. Property: 40 Shore Drive, New Windsor 12553.

Amount: $243,776. Filed Sept. 13.

HUDSON VALLEY

PSGo Inc., Monroe. Seller: Federal National Mortgage Association.

Property: 25 Algonquin Drive, Newburgh 12550. Amount: $155,000.

Filed Sept. 11.

DEEDS MONP LLC, Wallkill. Seller: Federal National Mortgage Association.

Property: 708 Route 32, Wallkill 12589. Amount: $46,200. Filed Sept.

11.

MPI Middletown LLC, Minneapolis, Minnesota. Seller: August Associates Inc., Wappingers Falls.

Property: 3467 Route 6, Wawayanda. Amount: $927,500. Filed Sept. 11.

N. Graham LLC, Brooklyn. Seller: Joel Gluck, Brooklyn. Property: 40 Amy Todt Drive, Monroe 10950.

Amount: $315,000. Filed Sept. 14.

New Mex Concrete LLC, Middletown. Seller: MTGLQ Investors LP. Property: 360 Howells Road, Middletown 10940. Amount: $68,500.

Filed Sept. 14.

NRZ REO VI Corp., New York City.

Seller: Ruben Velez, et al, Newburgh.

Property: 6 Pope Lane, Monroe 10950. Amount: $606,848. Filed Sept. 11.

Ocwen Loan Servicing LLC, West Palm Beach, Florida. Seller: Henry N. Christensen, Goshen.

Property: 194 Wickham Ave., Middletown 10940. Amount: $200,000.

Filed Sept. 13.

Oxana Properties LLC, Poughkeepsie. Seller: John E. Scanlon, et al, Poughkeepsie. Property: 307 Bridgeview Drive, Poughkeepsie.

Amount: $295,000. Filed Sept. 13.

Pine Bush Capital LLC, Bloomingburg. Seller: Deutsche Bank National Trust Co. Property: in Monroe. Amount: $224,167. Filed Sept. 10.

WCBJ

Rahil Arora Inc., Hicksville. Seller: Heather M. Luff, Middletown. Property: in Wallkill. Amount: $150,000.

Filed Sept. 14.

RAS Closing Services LLC, Glen Ellyn, Illinois. Seller: Michael Bath, Newburgh. Property: in Newburgh.

Amount: $317,000. Filed Sept. 11.

RM Premishlan Realty LLC, Monroe. Seller: McCann Newburgh Real Estate Investors Corp., Bronx.

Property: in Newburgh. Amount: $105,000. Filed Sept. 11.

Sager Real Estate Holdings LLC, Amenia. Seller: Mountain Farm Ranch LLC, Norwalk, Connecticut.

Property: Yellow City Road, Amenia. Amount: $100,000. Filed Sept.

12.

Santander Bank N.A. Seller: Jaime Ann Giannetta, Wappingers Falls.

Property: 926 N. Quaker Lane, Hyde Park 12538. Amount: $361,500. Filed Sept. 12.

Seven and One Developments LLC, Beacon. Seller: Jode Susan Millman, Poughkeepsie. Property: 469 Fishkill Ave., Beacon. Amount: $340,000. Filed Sept. 7.

Sterling Property Enterprises LLC, Carmel. Seller: 187 Fulton Inc., Glen Head. Property: 187 Fulton St., Poughkeepsie. Amount: $252,000.

Filed Sept. 14.

Sugar Loaf Hill LLC, Monroe.

Seller: Robert Young, et al, Chester. Property: in Chester. Amount: $360,000. Filed Sept. 14.

OCTOBER 1, 2018

23

Good Things Happening SCULPTURES ON THE STREETS

Lori Solomon

Karen M. Murray

At New Rochelle City Hall, from left: Westchester County Legislator Damon Mayer, New Rochelle Mayor Noam Bramson and artist Carolyn Frawley.

MOVING UP AT NYMC New York Medical College (NYMC) has announced new appointments for two of its faculty members.

Lori Solomon, M.D., assistant professor of family and community medicine, has been appointed chair of the Department of Family and Community Medicine. She joined the NYMC faculty in 2002.

Solomon earned her bachelor’s degree from the University of California in San Diego.

She spent a year doing HIV bench research at the California Department of Health before attending NYMC. She completed her residency in family medicine at Brown University, where she served as a chief resident. She holds a Master of Public Health degree in epidemiology from NYMC. Solomon has filled many roles in the NYMC School of Medicine, including associate dean of community health affairs, director of the family medicine clerkship, director of the Foundations of Clinical Medicine course and chair of the third- and fourth-year curriculum subcommittee Karen M. Murray, M.D., associate professor of obstetrics and gynecology, has been appointed associate dean of admissions for the NYMC School of Medicine.

She received her bachelor’s degree from Cornell University. After graduating from NYMC, she completed her residency training at New York City Health + Hospitals/Metropolitan and Westchester Medical Center where she served as chief resident. She joined the NYMC faculty in 2003.

“As the head of the School of Medicine Office of Admissions I plan on staying true to our mission to bring together a student body of outstanding, compassionate and humanistic individuals and support our goals of diversity and inclusion,” Murray said.

24

OCTOBER 1, 2018

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Members of New Rochelle’s Municipal Arts Commission, elected and appointed officials and artists gathered at City Hall on Sept. 21 to celebrate the installation of 15 sculptures in the downtown designed as part of the New Rochelle’s public art series “Stacked!”

The arts commission and the city’s department of development last Octo-

ber put out requests for artists to come up with designs for fiberglass statues depicting the city’s “Ideally Yours” logo.

In January, they selected the submissions, which would be built and installed on the streets.

“Creative expression is at the heart of New Rochelle’s identity and a crucial component of our downtown develop-

ment efforts,” said New Rochelle Mayor Noam Bramson.

In addition to viewing the sculptures, the public can listen to a self-guided audio tour using the Otocast audio narration app on their smart phones (otocast. com). The audio guide allows people to hear about the sculptures directly from the artists who designed them.

MORE THAN FOOD AT A NEW CAFÉ

B-52s AT BENEFIT IN PURCHASE The B-52s, a new wave band, which had its beginnings more than 40 years ago in Athens, Georgia, is scheduled to headline this year’s “The Really Big Show” to benefit Big Brothers Big Sisters (BBBS) of Family Services of Westchester’s youth mentoring programs. The event takes place Nov. 3 at 7:30 p.m. at the Performing Arts Center at Purchase College, 735 Anderson Hill Road in Purchase.

Known for their zany, retro hits like “Love Shack,” “Rock Lobster,” “Roam,” and “Private Idaho,” the B-52s went from being an underground success to being a music industry phenomenon. Also on the program will be the Harlem Gospel Choir, the Jazz House Kids, Matt Schuler, Matt Whittaker and The Really Big Show Singers “The Really Big Show” was originally inspired by the variety show classic, “The Ed Sullivan Show.” Sullivan frequently would tell viewers, “Tonight we have a really big show.”

The event will honor Morgan Stanley Managing Director Chad Johnson. Children’s book author Sandra L Richards, who also happens to be a Morgan Stanley managing director, is slated to be the master of ceremonies. Co-chairs of the event are BBBS Advisory Council members Deborah Boillot and Jackie Meisenberg.

“We are extremely grateful that ‘The Really Big Show’ has been such a success the last couple of years, said Valerie A. Brown, BBBS executive director.

More information and tickets from 914- 937-3779.

HERZOG JOINS GOLDBERG SEGALLA

Staff and supporters of RECAP’s Mill Street Café at the ribbon cutting.

The nonprofit Regional Economic Community Action Program (RECAP) held a ribbon cutting to mark the opening of its new Mill Street Café in Middletown. RECAP provides services, which help people living in poverty in Orange County and the surrounding areas.

More than a café, the new facility also is a job-training site. Participants typically are long-term public assistance recipients who learn skills to succeed in the culinary

industry. The café serves breakfast, lunch, coffee, soups and baked goods. It is open Monday to Friday, 8 a.m. to 3 p.m.

Speakers at the event included philanthropist Richard Rowley; Maria Bruni, director of community development for the city of Middletown; and RECAP Board President John Cappello.

“Seeing the transformation of this abandoned eyesore into an artisanal lunch spot is a welcome change,” said RECAP CEO

Charles Quinn.

The café anchors a historic three-story 1875 brick building that is part of the Mill at Middletown complex, which began renovation in 2015.

The building, which formerly housed the manufacture of hats and furniture, was spared demolition and now houses 15 housing units. A new connected four-story addition holds 27 more apartments.

The law firm Goldberg Segalla has added partner Ronald S. Herzog to its management and professional liability practice group in White Plains. Herzog was previously with Steinberg & Cavaliere LLP, also in White Plains.

Herzog focuses his practice on complex commercial litigation in both federal and state courts as well as in various alternative dispute resolution (ADR) forums.

He represents brokerage firms and their senior executives in matters arising under the federal securities and commodities laws and common law, and counsels several private firms in the construction industry. He also litigates employment discrimination and restrictive covenant matters, as well as partnership and shareholder disputes and business torts.

Goldberg Segalla has nearly 400 attorneys at its offices located in 10 states.

NEW BOARD MEMBERS AT LSHV Four new members have joined the board of Legal Services of the Hudson Valley (LSHV) according to Alfred E. Donnellan, the organization’s board chair, who also is managing partner at DelBello Donnellan Weingarten Wise & Wiederker LLP. Sarmad M. Khojasteh lives in Bedford and is a partner at Kasowitz Benson Torres LLP. A graduate of the University of Chicago Law School, Khojasteh clerked for the Judge Terrence W. Boyle of the United States District Court for the Eastern District of North Carolina.

Nelida Lara-Garduno is a partner in DelBello Donnellan Weingarten Wise & Wiederkehr LLP’s commercial litigation practice group. Prior to joining the firm, she was an associate in the litigation group of Schulte Roth & Zabel. Lara-Garduno lives in New York City.

Kiara Taylor spent a decade as a personal bank representative, before switching to a career in health care. Since then, she has worked as a mental health worker and a practical nurse. Taylor is a resident of Ossining.

Russell Yankwitt is managing partner at Yankwitt LLP. He earned his law degree from the Cornell Law School. He was with Skadden, Arps, Slate, Meagher and Flom LLP in New York City and then served as an assistant U. S. attorney in the Southern District of New York.

Russell is a resident of White Plains.

LSHV provides free, comprehensive civil (noncriminal) legal services to low-income and disadvantaged individuals and families who cannot afford an attorney.

LIONS CLAW AT HOMMOCKS’ GARBAGE

Larchmont Mamaroneck Lions, from left: Jag Rao, Carol Spawn Desmond, Diane Oldham, Phil Oldham and James Cunnie.

Members of the Larchmont Mamaroneck Lions joined community volunteers recently to help clean up the Hommocks Conservation Area. The effort netted more than 100 pounds of garbage and an additional 10 bags of material to be sent for recycling.

The cleanup was part of International Coastal Cleanup Day, an event coordinated

by the Ocean Conservancy. It began more than 30 years ago.

The Hommocks Conservation Area in Mamaroneck is a 10.6-acre parcel comprised of woodland, salt marsh and meadow areas, as well as 3.6 acres of tidal wetlands. The conservation area is located along Hommocks Road, just past the

Hommocks Middle School soccer fields.

The Larchmont Mamaroneck Lions is part of Lions Clubs International, the world’s largest service organization. The environment is one of the five causes the Lions have been supporting this year. The others are vision, hunger, diabetes prevention and fighting childhood cancer.

ALDERMAN EVENT RAISES $108K

THE WESTCHESTER BANK HONORED

John M. Tolomer

The Westchester Bank was recently honored as one of the 85 best banks for which to work in the U.S. for 2018. American Banker magazine selects the banks each year based on an evaluation of bank workplace policies, practices and demographics. This is followed by an employee survey to directly access the experiences and attitudes of individual employees with respect to their workplace.

John M. Tolomer, president and CEO of The Westchester Bank, said, “We never take for granted the most valued asset at The Westchester Bank, our people who work closely together as a team toward a common goal.”

Some of the participants in the Alderman walk and carnival.

The 10th annual Friends of Peter C. Alderman Walk and Carnival, held under the auspices of The Peter C. Alderman Program for Global Mental Health, was held recently at the Fenway Golf Club in White Plains.

Peter C. Alderman, who was a Scarsdale native, died at the age of 25 in the 9/11 World Trade Center attacks. The Peter C. Alderman Program for Global Mental Health

was created in his honor and is now part of HealthRight International, which is a global health and human rights organization.

The program is dedicated to strengthening mental health, recovery and resilience for communities devastated by violence and armed conflict.

The day’s festivities included a 30-minute walk in Alderman’s memory, followed by a carnival featuring games, prizes and a

barbecue. The organization had set a goal of raising $110,000 and more than $108,000 was raised.

Through direct implementation and partners, HealthRight’s Alderman mental health program is currently operating at 18 clinics across Uganda and Burundi, helping approximately 100,000 people. The organization is currently working to extend the program’s reach.

HONOREES NAMED FOR CHILD CARE EVENT The Child Care Council of Westchester (CCCW) has named the honorees for an event celebrating its 50th year. The cocktail party takes place Oct. 18 from 7 to 10 p.m. at the Captain Lawrence Brewing Company in Elmsford.

The honorees are Marsha Gordon, president and CEO of The Business Council of Westchester; Clarfeld Financial Advisors, represented by Rob Clarfeld; and Peter Edelman, professor at Georgetown University Law Center; and Marian Wright Edelman, founder of the Children’s Defense Fund.

“We chose this esteemed group of honorees because they represent the breadth and depth of work being done across our county, state and nation to improve opportunities for children,” said Child Care Council Executive Director Kathy Halas.

Gordon will be recognized for her impact on the Westchester business community, supporting youth development and internship initiatives and understanding that reliable child care is an essential component of Westchester’s business growth.

Clarfeld is a wealth management firm with offices in Tarrytown and New York City. It manages more than $6 billion in client assets. Its founder and CEO is Rob Clarfeld.

Peter Edelman and Marian Wright Edelman will be recognized together for their lifelong advocacy on behalf of children and families. He is the Carmack Waterhouse Professor of Law and Public Policy at Georgetown University Law Center, where he teaches constitutional law and poverty law and is faculty director of the Georgetown Center on Poverty and Inequality. She is founder and president of the Children’s Defense Fund (CDF). In 2000, she received the Presidential Medal of Freedom, the nation’s highest civilian award, and the Robert F. Kennedy Lifetime Achievement Award for her writings.

Tickets and information at childcarewestchester.org.

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

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OCTOBER 1, 2018

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Facts & Figures The Bank of New York Mellon.

Seller: Paul Marks, Montgomery.

Property: 327 Old Mountain Road, Otisville 10963. Amount: $446,381.

Filed Sept. 12.

Wells Fargo Bank N.A. Seller: Michael D. Kranis, Poughkeepsie.

Property: 9 S. Cross Road, Staatsburg 12580. Amount: $200,000.

Filed Sept. 10.

Gem Fire and Security LLC, Highland Mills. $1,321 in favor of the New York State Department of Taxation and Finance, Albany. Filed May 31.

Remodeling the Hudson Valley Inc., Newburgh. $323 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 1.

Transportation Holdings LLC, New Hampton. Seller: DLE Holdings LLC, Cornelius, North Carolina.

Property: in Newburgh. Amount: $650,000. Filed Sept. 11.

Whiskey Ridge LLC, Millbrook.

Seller: Richard Stark, et al, Beverly Hills, California. Property: 426 Bangall Road, Millbrook. Amount: $600,000. Filed Sept. 7.

Harriman Auto Spa Services Inc., Harriman. $1,723 in favor of the New York State Department of Labor, Albany. Filed May 31.

Road House Café Inc., Middletown. $1,695 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 1.

Transportation Holdings LLC, New Hampton. Seller: DLE Holdings LLC, Cornelius, North Carolina.

Property: in Deerpark. Amount: $150,000. Filed Sept. 11.

Wilmington Savings Fund Society FSB. Seller: Robert M. Rametta, Goshen. Property: 137 County Road 22, Johnson. Amount: $490,246.

Filed Sept. 10.

Highland Falls Food Mart Inc., Highland Falls. $389 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 5.

Rushing Duck Brewing Company LLC, Chester. $9,017 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 1.

U.S. Bank N.A. Seller: John E. Bach, Goshen. Property: 10 Mountain Brook Road, Cornwall-on-Hudson 12518. Amount: $672,540. Filed Sept. 11.

Wilmington Savings Fund Society FSB. Seller: Walter Dackson, et al, East Aurora. Property: 11 Saddle Ridge Road, Hopewell Junction 12533. Amount: $153,000. Filed Sept. 14.

Hudson Valley Craftsman LLC, Monroe. $529 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 5.

Sanford Arms LLC, Highland Mills. $1,068 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 1.

Hudson Valley Limousine Service LLC, Highland Falls. $11,864 in favor of the New York State Department of Taxation and Finance, Albany. Filed May 31.

TA Carbon Mexican Restaurant Inc., Middletown. $582 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 1.

Hudson Valley Property Solutions LLC, Goshen. $1,071 in favor of the New York State Department of Taxation and Finance, Albany.

Filed June 5.

Tass of New York Inc., Middletown. $2,612 in favor of the New York State Department of Labor, Albany. Filed May 31.

U.S. Bank N.A. Seller: Kathryn S. Lazar, Hopewell Junction. Property: Weil Road, Dover 12594. Amount: $578,000. Filed Sept. 11.

U.S. Bank N.A. Seller: Kathryn S. Lazar, Hopewell Junction. Property: 9 Cedar Dell Farm Road, Wingdale 12594. Amount: $578,000. Filed Sept. 11.

U.S. Bank N.A. Seller: Michael J. O’Connor, Poughkeepsie. Property: 12 High St., Poughkeepsie 12601.

Amount: $657,000. Filed Sept. 12.

U.S. Bank N.A. Seller: Scott Kirschner, et al, Millbrook. Property: 105 Cramer St., Poughkeepsie 12603. Amount: $371,500. Filed Sept. 7.

U.S. Bank National Mortgage Association. Seller: Eliot L. Kaplan, New City. Property: 467 Union School Road, Middletown 10941.

Amount: $399,594. Filed Sept. 11.

U.S. Bank Trust N.A. Seller: Gerard Pisanelli, Poughkeepsie. Property: 2404 Cherry Hill Drive, Poughkeepsie 12603. Amount: $151,500.

Filed Sept. 7.

U.S. Bank Trust N.A. Seller: Jacqueline Rose, Bronx. Property: 69 Hickory Hill Road, Newburgh 12550.

Amount: $386,726. Filed Sept. 11.

Vassar Plaza Realty LLC, Poughkeepsie. Seller: Helen G. Verven, et al, Rhinebeck. Property: 46 and 48 Vassar Road, Poughkeepsie.

Amount: $185,000. Filed Sept. 13.

Vassar Plaza Realty LLC, Wappingers Falls. Seller: Gary Arslanian, et al, Poughkeepsie. Property: in Poughkeepsie. Amount: $700,000.

Filed Sept. 13.

Village of Kiryas Joel, Monroe.

Seller: County of Orange, Goshen.

Property: in New Windsor. Amount: $3,500. Filed Sept. 13.

JUDGMENTS Allways Secure Inc., New Windsor. $19,753 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 1.

American Paving Products, Montgomery. $305 in favor of the New York State Department of Taxation and Finance, Albany. Filed May 31.

JMP Excavating Inc., Middletown. $177 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 5.

The Salvadorian Restaurant Inc., Newburgh. $1,868 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 1.

Angel’s Cleaning and Maintenance, New Hampton. $8,766 in favor of the New York State Department of Labor, Albany. Filed June 5.

Kevin and Maureen Services Inc., Newburgh. $8,188 in favor of the New York State Department of Labor, Albany. Filed June 5.

TM Realty of NY LLC, Harriman. $1,310 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 1.

Assurity Group LLC, Warwick. $3,781 in favor of the New York State Department of Labor, Albany. Filed June 5.

Lefty Furniture Inc., Middletown. $23,958 in favor of the New York State Department of Taxation and Finance, Albany. Filed May 31.

Vision Builders Construction LLC, Newburgh. $100 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 1.

BP – Baps Enterprises Inc., Middletown. $1,318 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 5.

New York Bagel, Newburgh. $2,877 in favor of the New York State Department of Labor, Albany. Filed June 5.

Clean It Express Mobile Wash LLC, Middletown. $963 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 5.

North Plank Road Real Estate Inc., Newburgh. $305 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 1.

CNC Associates Inc., Wallkill. $18,073 in favor of the New York State Department of Taxation and Finance, Albany. Filed May 31.

Northeast REO Field Services Corp., Pine Bush. $2,612 in favor of the New York State Department of Labor, Albany. Filed May 31.

DC Network Solutions Inc., New Windsor. $108 in favor of the New York State Department of Taxation and Finance, Albany. Filed May 31.

Perfect Temperature LLC, Walden. $439 in favor of the New York State Department of Labor, Albany. Filed May 31.

Department of Clothing LLC, Goshen. $323 in favor of the New York State Department of Taxation and Finance, Albany. Filed May 31.

Pop’s 1 Vending Inc., Port Jervis. $698 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 1.

DV Sign Company LLC, Central Valley. $302 in favor of the New York State Department of Taxation and Finance, Albany. Filed May 31.

Principe America LLC, Goshen. $525 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 1.

Xclusiv barber Supplier LLC, Middletown. $25,471 in favor of the New York State Department of Taxation and Finance, Albany. Filed June 1.

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

Alvarez, Michael, individually and as surviving spouse of Anna Alvarez, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $25,000 affecting property located at 13 Elm St., Greenwood Lake 10925. Filed July 31.

Babel, Myriam N., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $370,000 affecting property located at 52 W. Jeanibo Road, Monroe 10950. Filed July 30.

Bagnole, Daniel, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $412,000 affecting property located at 10 Leone Court, Highland Mills 10930. Filed July 27.

Connolly, Frank, et al. Filed by U.S. ROF III Legal Title Trust 2015-1.

Action: seeks to foreclose on a mortgage to secure $169,600 affecting property located at 10 and 12 Edmunds Lane, Pine Bush 12566. Filed July 20.

Baynes, Andre K., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $194,500 affecting property located at 401 Plum Court, Newburgh 12550. Filed July 23.

Crowley, Fernando, et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $252,500 affecting property located at 1289 Route 292, Holmes 12531. Filed Sept. 7.

Bell, George H. III, et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $261,061 affecting property located at 8 Colonial Place, Cornwall-on-Hudson 12520. Filed July 31.

Daley, Laurence P., et al. Filed

by Keybank N.A. Action: seeks to foreclose on a mortgage to secure $45,000 affecting property located at 315 Arcadia Road, Goshen 10924.

Filed July 26.

Bencomo, Hugo E., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $287,692 affecting property located at 24 Mountain View Terrace, Walden 12586. Filed July 24.

Diaz, Elvin, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $311,920 affecting property located at 40 Williams Ave., Newburgh 12550.

Filed July 26.

Berg, Erik B., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $180,000 affecting property located at 35 Liss Road, Wappingers Falls 12590. Filed Sept. 11.

Emery, Shaheed, et al. Filed by Quicken Loans Inc. Action: seeks to foreclose on a mortgage to secure $215,033 affecting property located at 43 Lafayette Ave., Middletown 10940. Filed July 23.

Bottomley, Sherri, individually and as surviving spouse of Robert Bottomley, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 151 Hufcut Road, Middletown 10940. Filed July 27.

Floyd, Jerri, et al. Filed by Bayview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $322,500 affecting property located at 45 Brola Road, Middletown 10940. Filed July 26.

Brown, Germaine, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $364,000 affecting property located at 2515 Constitution Way, New Windsor 12553. Filed July 31.

Brown, Virna A., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $150,000 affecting property located at 5 Stargate Lane, Chester 10918.

Filed July 30.

Camacho, Patricia M., et al. Filed

by Bayview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $237,500 affecting property located at 9 Saint Anne Drive, New Windsor 12553. Filed July 19.

Campbell, Shem I., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $258,197 affecting property located at 47 Woodside Knolls Drive, Middletown 10940. Filed July 24.

Candelario, Yvette M., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $217,979 affecting property located at 15 Bailey Road, Montgomery 12549. Filed July 25.

WCBJ

Greaux, Roslyn A., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $247,900 affecting property located at 9 Lexington Way, Middletown 10940. Filed July 23.

Greenhut, Jennine P., et al. Filed

by Arvest Central Mortgage Co. Action: seeks to foreclose on a mortgage to secure $227,200 affecting property located at 27 Aldo Court, Monroe 10950. Filed July 20.

House, Patricia, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $76,000 affecting property located at 11 Avenue D, Godeffroy 12729.

Filed July 24.

NOTICE OF ANNUAL MEETING Notice is hereby given that the Annual Meeting of Members of Consumer Reports will be held at The Loft at City Winery in New York, NY, on October 10, 2018, at 6 p.m.

Members are encouraged to submit their ballot electronically for the annual election of Directors of Consumer Reports, in accordance with the instructions provided with the ballot sent to the email address associated with your membership. Completed ballots must be received by Consumer Reports no later than October 7, 2018.

OCTOBER 1, 2018

27

31st ANNUAL WESTCHESTER REAL ESTATE AWARDS BREAKFAST GREATER NEW YORK MARKET Wednesday, November 7, 2018 Hilton Westchester • Rye Brook, NY 7:00 a.m.

THE REAL ESTATE AWARD Bruce Berg, CEO, Fuller Development Company THE MARTIN S. BERGER AWARD FOR LIFETIME ACHIEVEMENT Peter S. Duncan, President and CEO, George Comfort & Sons, Inc. MARCH OF DIMES LEGACY AWARD Michael Weinstock, Market President – Connecticut, M&T Bank TITLE SPONSORS Cappelli Organization Pavarini North East Construction Co., Inc. PLATINUM SPONSOR George Comfort & Sons, Inc. Shipman & Goodwin LLP The Aiello Foundation c/o Peter DiNardo Enterprises GOLD SPONSORS Benerofe Properties Corp.

Cuddy & Feder LLP Delbello Donnellan Weingarten Wise & Wiederkehr, LLP DLC Management Corp.

Jones Lang LaSalle M&T Bank People’s United Bank RPW Group, Inc. SILVER SPONSORS Acadia Realty Trust • AKRF • Belway Electrical Contracting Corp./LeChase Construction Services • Benchmark Title Agency • CBRE • Cooper Horowitz LLC • De Clercq Office Group/Knoll • Diamond Properties • G&S Investors • Gibraltar Management • Ginsburg Development Companies, LLC • Houlihan-Parnes Realtors, LLC/GHP Office Realty, LLC • Mack-Cali Realty Corporation • MacQuesten Development, LLC • National Realty & Development Corp. • Reckson, a division of SL Green Realty Corp. • Robert Martin Company • RXR • Shleppers Moving & Storage • Simone Development Companies • Sterling National Bank • VHB • Waldner’s Business Environments/Steelcase, Inc. MEDIA SPONSOR Westchester County Business Journal RSVP www.marchofdimes.org/westchesterrealestate Jessica Fortuna at 914-610-7530 or JFortuna@marchofdimes.org

Facts & Figures Hubbard, John W., et al. Filed by Quicken Loans Inc. Action: seeks to foreclose on a mortgage to secure $195,617 affecting property located at 15 Eck Road, Wappingers Falls 12590. Filed Sept. 5.

Jones, Vivian, et al. Filed by Citibank N.A. Action: seeks to foreclose on a mortgage to secure $168,000 affecting property located at 230 Montgomery St., Newburgh 12550.

Filed July 19.

Kish, Deborah L., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $34,250 affecting property located at 71 Arcadian Trail, Monroe 10950.

Filed July 23.

Kluz, Robert M., et al. Filed by Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $142,500 affecting property located at 491 Violet Ave., Hyde Park 12538. Filed Sept. 12.

Krieger, Robert J., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $280,000 affecting property located at 42 Putnam Road, Hyde Park 12538. Filed Sept. 6.

Kroboth, Jeffrey J., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $239,000 affecting property located at 5 Oxford Road, New Windsor 12553. Filed July 20.

Lahey, Dennis P., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $217,469 affecting property located at 36 John St., Beacon 12508.

Filed Sept. 10.

Mead, Bonnie E., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $167,800 affecting property located in Amenia. Filed Sept. 4.

Meisner, Jeffrey S., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $86,313 affecting property located at 5 Idlewild Drive, Poughkeepsie 12601. Filed Sept. 5.

Milbury, Michael T., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $177,068 affecting property located at 32 Tiger Road, Hopewell Junction 12533. Filed Sept. 5.

Morales, Juan, et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $52,250 affecting property located at 56 Sheffield Drive, Middletown 10940. Filed July 27.

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OCTOBER 1, 2018

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Musa, Beatrice M., et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $400,000 affecting property located at 152 Schlueter Drive, Hopewell Junction 12533. Filed Sept. 4.

Search, Timothy, et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 1247 Greenville Turnpike, Port Jervis 12771. Filed July 27.

Nemeth, Ruby, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $80,000 affecting property located at 177 Riley Road, New Windsor 12550. Filed July 31.

Shaffer, Michelle, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $253,903 affecting property located at 39 Highview Drive, Salisbury Mills 12577. Filed July 27.

Omphalius, Charles, et al. Filed

by The Bank of New York Mellon.

Action: seeks to foreclose on a mortgage to secure $840,000 affecting property located at 54 Turkey Run, Hopewell Junction 12533. Filed Sept.

7.

Pardillo, Raymond M. III, et al.

Filed by Freedom Mortgage Corp.

Action: seeks to foreclose on a mortgage to secure $182,107 affecting property located in Wappinger.

Filed Sept. 5.

Peterson, Alexis N., et al. Filed

by Impac Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $240,000 affecting property located at 20 Lake St., Highland Falls 10928. Filed July 19.

Pia, Eugene M., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $382,500 affecting property located at 88 Nancy Lane, Chester 10918. Filed July 30.

Rogers, Mary B., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $213,675 affecting property located at 162 Grange Road, Otisville 10963.

Filed July 25.

Rotundo, Melissa, et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $352,196 affecting property located at 7 Wells Ave., Middletown 10940.

Filed July 30.

Sanabria, Gil, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $225,000 affecting property located at 504 Upper Ave., Newburgh 12550. Filed July 19.

Sandy, Anthony J., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $116,000 affecting property located at 47 Ninham Ave., Wappingers Falls 12590. Filed Sept. 4.

Schreppel, Justin, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $287,515 affecting property located at 55 North St., Newburgh 12550.

Filed July 26.

Sherman, Kenneth Alan, et al.

Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $180,000 affecting property located at 310 Benson Hill Road, Dover Plains 12522. Filed Sept. 11.

Slattery, Evan G., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $285,000 affecting property located at 52 Highland Woods Blvd., Highland Mills 10930. Filed July 30.

Smith, Barbara, et al. Filed by Plaza Home Mortgage Inc. Action: seeks to foreclose on a mortgage to secure $200,932 affecting property located at 14 Timberose Court, Middletown 10940. Filed July 31.

Tompkins, Linda, et al. Filed by JPMC Specialty Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $210,729 affecting property located at 14 Buckingham Drive, Newburgh 12550. Filed July 31.

Tuccillo, John J., et al. Filed by The Putnam County National Bank of Carmel. Action: seeks to foreclose on a mortgage to secure $325,000 affecting property located at 1417 Bulls Head Road, Stanford. Filed Sept. 12.

Unknown heirs at law of Michael Alvarez, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $112,000 affecting property located at 13 Elm St., Greenwood Lake 10925. Filed July 24.

Vadi, Jorge Jr., et al. Filed by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure $114,780 affecting property located at 135 Prospect Ave., Middletown 10940.

Filed July 19.

Wattoo, Riaz A., et al. Filed by E*Trade Bank. Action: seeks to foreclose on a mortgage to secure $503,200 affecting property located at 27 Bristol Drive, Middletown 10941. Filed July 24.

Weaver, Geoffrey A., et al. Filed

by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $206,000 affecting property located at 14 Bellmore Drive, Poughkeepsie 12601.

Filed Sept. 11.

Facts & Figures Welsh, Robert, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $136,000 affecting property located at 2793 Route 207, Hamptonburgh 10916. Filed July 30.

Williams, Dawn-David, et al.

Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $408,000 affecting property located at 3706 Colonist Trail, New Windsor 12553. Filed July 27.

Wilson, Robert J., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $144,620 affecting property located at 3 Rosemont Road, Blooming Grove 10914. Filed July 20.

Wright, Robert, et al. Filed by Quicken Loans Inc. Action: seeks to foreclose on a mortgage to secure $268,650 affecting property located at 10 Sabra Lane, Wappinger Falls 12590. Filed Sept. 6.

Mechanic’s Liens Highland Meadows Senior LP, as owner. $21,368 as claimed by Global Contracting Concepts LLC, Hauppage. Property: 11 Hastings Drive, Beacon. Filed Sept. 14.

Meiswinkel, Glenn P., et al, Cornwall, as owner. $1,265 as claimed by E. Tetz and Sons Inc., Middletown.

Property: 86 Holloran Road, Cornwall-on-Hudson 12518. Filed Sept. 17.

Vale Fox Distillery, as owner. $19,418 as claimed by Blueline Rental, Escondido, California. Property: 619 Noxon Road, Poughkeepsie.

Filed Sept. 11.

Jai Pavenputra Inc., d.b.a. Blooming Grove Sunoco, 1197 Route 208, Monroe 10950. Filed Feb. 20.

Cosmic Patterns, 365 Route 211 E., Suite 4, Middletown 10940, c/o Tommy R. Williams. Filed Feb. 16.

Monsey Chasuna Depot Inc., d.b.a. Chasuna Depot Brooklyn, 51 Forest Road, Suite 311, Monroe 10950. Filed Feb. 20.

Discount Decals, 139 Brown Road, Middletown 10941, c/o Justin Lee Scott. Filed Feb. 13.

Monsey Chasuna Depot Inc., d.b.a. Chasuna Depot Monroe, 51 Forest Road, Suite 311, Monroe 10950. Filed Feb. 20.

Partnerships Freedom Shave Co., 20 Fitzgerald Drive, Building 4, Apt. 6A, Middletown, c/o Steven Lindner, Fredric Green and Wayne Bradford. Filed Feb. 13.

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

Doing Business As Beauty Basics USA Inc., d.b.a.

Deals on Web, 15 Koznits Drive, Unit 201, Monroe 10950. Filed Feb. 20.

Broadway Pita Distributions Inc., d.b.a. Pita Express, 9 Sasev Court, No. 301, Monroe 10950. Filed Feb. 20.

D and A Fine Food Inc., d.b.a.

Black Forest Mill, 716 Route 32, Highland Mills 10930. Filed Feb. 20.

F and M Deli Inc., d.b.a. The Baker’s Dozen, 179 Temple Hill Road, New Windsor 12553. Filed Feb. 20.

Fresca Muse, 4204 Terrace Drive, New Windsor 12553, c/o Denise Yamileth Sorto. Filed Feb. 13.

Hair By Stephanie, 88 Dunning Road, Middletown 10940, c/o Stephanie R. Romero. Filed Feb. 9.

J and H, 9 Queen St., New Windsor 12553, c/o Justin John Nixon. Filed Feb. 20.

Freshair Co., 20 Fitzgerald Drive, Building 4, Apt. 6A, Middletown, c/o Steven Lindner, Marie Zuckerman and Barry Zuckerman. Filed Feb. 13.

K and G Liquors, 91 Homestead Ave., Maybrook, c/o Keith O. Gifft.

Filed Feb. 6.

Level Up Construction, 15 Ash St., New Windsor 12553, c/o John D. Hazard and Toni A. Hazard. Filed Feb. 16.

Key to Success Bookkeeping, 12 Evergreen View Lane, Wallkill 12589, c/o Kendra McGuire Yustein.

Filed Feb. 9.

Sole Proprietorships Alexass Bakery Grocery, 225 Washington St., Newburgh, c/o Israel Castellanos. Filed Feb. 13.

All Access Insurance Agency, 62 N. Main St., Suite 102, Florida, c/o Robert Pugh. Filed Feb. 13.

Back Yard Av, 7 Fran Road, Goshen 10924, c/o William C. Kropp.

Filed Feb. 20.

NEW BUSINESSES

Everlove Rose, 1301 Copper Court, New Windsor 12553, c/o Amandaly Guzman. Filed Feb. 16.

Backyard Puppies Floral Design, 32 Eastview Lane, Slate Hill 10973, c/o Sara E. Williams. Filed Feb. 20.

Carmelitas Discount Party Supply, 295 Broadway, Newburgh 12550, c/o Linsay Mejia. Filed Feb. 8.

Cheryl’s Caribbean Kitchen, 104 Barnes Road, Washingtonville 10992, c/o Serene Brown. Filed Feb. 13.

Circuit Works, 132 Olsen Court, Montgomery 12549, c/o Jeffrey Gleason. Filed Feb. 20.

City Line Transport, 1 Estate Drive, Middletown 10940, c/o Edgardo J. Valenzuela. Filed Feb. 16.

La Casa de las Empanadas, 23 Farrell St., Newburgh 12550, c/o Erica Guevara. Filed Feb. 9.

Marquis Designs, 11 Kohler Road, Middletown 10940, c/o Linda Ann Beauchesne. Filed Feb. 8.

McKernan Lawn Care, 102 Dawn Drive, Westtown 10998, c/o Patrick McKernan. Filed Feb. 20.

Mobile Accessories Concept, 104 William St., Newburgh, c/o Dave A. Williams. Filed Feb. 8.

MPS Service, 212 Renwick St., Newburgh 12550, c/o Manuel H. Palma. Filed Feb. 13.

BEWARE Outside companies are soliciting BUSINESS JOURNAL

PDU Plumbing and Heating, 6 Blossom Lane, Newburgh 12550, c/o Patrick D. Uszenski. Filed Feb. 6.

readers for plaques and other reproductions of

RCL Distribution, 19 Peter Ave., Newburgh 12550, c/o Robert Louis Catalusci. Filed Feb. 13.

If you or your firm is interested in framing an article

The Soccer Stop, 397 Ann St., Newburgh, c/o Martha L. Rosas. Filed Feb. 6.

of a particular story

U.A. Construction, 28 N. Main St., Monroe 10950, c/o Volodymyr Stolashchuk. Filed Feb. 7.

newspaper content without our consent. or award from our newspaper or obtaining a reprint Please contact

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

Wats Wireless, 104 William St., Newburgh, c/o Wendell Wilson.

Filed Feb. 8.

Clean Cut Home Improvement, 73 Patton Road, Newburgh 12550, c/o Jarred James Kissinger. Filed Feb. 20.

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OCTOBER 1, 2018

29

LEGAL NOTICES 102 Stonewall LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 8/6/2018.

Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 102 Stonewall Cir., West Harrison, NY 10604.

General Purpose. #61841

Anne Mottola LLC. Filed with SSNY 8/21/2018 Office: Westchester Co. SSNY desig, as agent upon whom process against LLC may be served & shall mail process to LLC at 14 Soundview Avenue, Rye, NY 10580. Purpose : all Lawful. #61848

SOUL BREWING COMPANY LLC, Articles of Organization filed with the Secretary of State of New York (SSNY) on 06/18/2018. 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: SOUL BREWING COMPANY LLC, 158 Sarles Lane, Pleasantville, NY 10570.

Purpose: Any Lawful Purpose. #61842

Tag Merchant Services LLC. Filed 8/20/18 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 69 Greenmeadow Road, Pleasantville, NY 10570 Purpose: all lawful #61849

Grandview HR Consulting LLC filed with Sec. of State of NY (SSNY) 8/6/2018.

Cty: Westchester. SSNY desig. as agent of the LLC upon whom process against may be served & shall mail process to 104 Grandview Avenue, White Plains, NY 10605. General Purpose #61843 Notice of Formation of 60 WEST 89TH ST. PARTNERS, LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 7/11/18. 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 Finger Management Corp., Attn: Ron Finger, 20 Tuckahoe Road, Yonkers, NY 10710. Purpose: any lawful act or activity. #61845 114 S.6 AVE, LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 8/17/2018.

Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 506 S. 9TH AVE., MT. VERNON, NY 10550.

General Purpose. #61846 Notice of formation of PennyWise Consulting, LLC. Arts of Org filed with Secy. of State of NY (SSNY) on 5/5/2005. LLC location: Westchester County.

SSNY desig. as agent upon whom process may be served & shall mail process to: 441 Central Park Ave #42, Scarsdale, NY 10583.

Purpose: any lawful act. #61847

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OCTOBER 1, 2018

Karen Young Yoga LLC Art. of Org. filed with NY Secretary of State on July 5, 2018. 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: 422 SCARBOROUGH RD. BRIARCLIFF MANOR, NY 10510 (the LLCís primary business location). LLC may engage in any lawful act or activity for which a limited liability company may be formed. #61850 Q&S Technologies LLC. Art. of Org. filed with the SSNY on 07/18/18. Office: WESTCHESTER County.

SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail copy of process to the LLC, LEGALINC CORPORATE SERVICES INC, 1967 Wehrle Drive , Suite 1 #086, Buffalo, NY 14221. Purpose: Any lawful purpose. #61851 Notice of Formation of REVIBE HEALTH SYSTEMS, LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 6/29/18. Office location: Westchester County.

SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 35 Hollywood Avenue, Yonkers, NY 10707.

Purpose: any lawful act or activity. #61853 Notice of Formation of PRIDE Matters LLC Art. Of Org.filed with SSNY on 06/05/18. Offc.Loc: Westchester Cty. SSNY desig. as agent of the LLC upon who process against it may be served.

SSNY shall mail process to the LLC, 2 Deborah LN Chappaqua, NY 10514.

Purpose: any lawful purpose. #61858

WCBJ

The Articles of Organization of Fusion Enterprises, LLC (the “Company”) were filed with the Secretary of State of the State of New York on August 9, 2018. The office of the Company is located in Westchester County, New York. The Secretary of State has been designated as agent of the Company upon whom process against it may be served.

The post office address within or without the State to which the Secretary of State shall mail a copy of any process against the Company served upon him or her is: 131 Beacon Hill Drive, F16, Dobbs Ferry, New York 10522.

The Company was formed for any lawful business purpose or purposes permitted under the New York Limited Liability Company Act. #61860 Notice of Formation of JC Tile Installation LLC. Arts. of Org. filed with SSNY on 8/28/2018. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to 2 Darnay Ct, Cortlandt Manor, NY 10567.

Purpose: any lawful act or activity. #61861 Notice of Formation of The Curated Eye, LLC. Arts. of Org filed with SSNY on 8/9/18. Office location: Westchester County. SSNY desingated as agent of LLC upon whom process against it may be served.

SSNY shall mail process to the LLC, 145 Valley Road, New Rochelle, NY 10804.

Purpose: any lawful purpose. #61862 Category 6 Media, LLC. Appl for Auth filed with SSNY 8/318. Office location: Westchester County.

LLC formed in DE 6/29/18.

SSNY designated as agent for process & shall mail process to: c/o The LLC, 125 River St., Sleepy Hollow, NY 10951. DE address of LLC is c/o NRAI, 160 Greentree Dr., Ste. 101, Dover, DE 19904. A copy of the Cert. of Form. on file with State of DE, Div. of Corp., 401 Federal St., Ste. 3, Dover, DE 19901.

Purpose: any lawful act or activity. #61863

Notice of formation of Limited Liability Company (“LLC”). Name: Aurelius Crompond LLC. Articles of Organization filed with the Secretary of State of the State of New York (“SSNY”) on September 4, 2018. N.Y. office location: Westchester County.

The SSNY has been designated as agent of the LLC upon whom process against it may be served.

The SSNY shall mail a copy of any process to Aurelius Crompond LLC, c/o Trinity Associates, LLC, 117 Washington Avenue, Pleasantville, New York 10570. Purpose/character of LLC is to engage in any lawful act or activity. #61864 Notice of formation of Limited Liability Company (“LLC”). Name: Aurelius Manager LLC. Articles of Organization filed with the Secretary of State of the State of New York (“SSNY”) on September 4, 2018. N.Y. office location: Westchester County.

The SSNY has been designated as agent of the LLC upon whom process against it may be served.

The SSNY shall mail a copy of any process to Aurelius Manager LLC, c/o Trinity Associates, LLC, 117 Washington Avenue, Pleasantville, New York 10570. Purpose/character of LLC is to engage in any lawful act or activity. #61865 Notice of Formation of Bloom and Grow, LLC. Art. of Org. filed with SSNY on 4/24/2018. Offc. Loc: Queens County SSNY desig. as agent of the LLC upon whom process against it may be served.

SSNY shall mail process to the LLC, 16 Idlewood Rd White Plains, NY 10605 .

Purpose: any lawful purpose. #61866 Notice of Formation of Taras Boulba, LLC. Address of LLC: 43 Fifth Avenue, Pelham, New York 10803. County of business: Westchester County, Article of Organization originally filed with SSNY on 08/24/2018. Agent for Service: Secretary of State.

Mail Process to: 43 Fifth Avenue, Pelham, NY 10803.

Purpose: Any lawful activity #61867

368-372 Route 202 LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 9/6/2018. Cty: Westchester.

SSNY desig. as agent upon whom process against may be served & shall mail process to 2695 Rte. 35, Katonah, NY 10536.

General Purpose. #61868 The Articles of Organization of Kristen N. Gizzi, Esq. PLLC, a professional service limited liability company, (the ìCompanyî) were filed with the Secretary of State of the State of New York on August 14, 2018. The office of the Company is located in Westchester County, New York. The Secretary of State has been designated as agent of the Company upon whom process against it may be served.

The post office address within or without the State to which the Secretary of State shall mail a copy of any process against the Company served upon him or her is: 201 Saw Mill River Road, Yonkers, New York 10701. The Company was formed to perform legal services as a professional service limited liability company under the New York Limited Liability Company Act. #61869 Notice of Formation of Lab5Accessories LLC Art. Of Org. filed with SSNY on 9/12/18. 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 Troy Gerber, 1 City Place #2706 White Plains, NY 10601. Purpose: any lawful purpose. #61870 NOTICE OF FORMATION of Lee Tech Consulting, LLC. Articles of Organization filed with the New York Department of State on Aug 10, 2018. Office location: Westchester County.

The Secretary of State of New York (SSNY) is designated as agent of the LLC upon whom process against it may be served.

SSNY shall mail process to: InCorp Services, Inc., One Commerce Plaza, 99 Washington Ave, Ste. 805-A, Albany, NY 12210.

Registered agent: InCorp Services, Inc. Purpose: any lawful purpose. #61871

Notice of formation of Mental Wealth Practice, Licensed Mental Health Counseling, PLLC. Arts. of Org. filed with the Secy. of State of NY (SSNY) on 8/29/18. Office location: Westchester County. SSNY designated as agent of PLLC upon whom process may be served. SSNY shall mail copy of process to the PLLC, 280 N. Central Ave, Suite 450A, Hartsdale, NY, 10530. Purpose: Practice the profession of Mental Health Counseling #61872 Notice is hereby given that an on-premise license, #TBA has been applied for

by Capuzana Restaurant Corp d/b/a Gina Marie’s Trattoria to sell beer, wine and liquor at retail in an on premises establishment.

For on premises consumption under the ABC law at 546 Gramatan Avenue Mt. Vernon NY 10552.. #61873 431 Rushmore Avenue, LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 9/13/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to Odedd, LLP, 235 Mamaroneck Ave., Ste. 403, White Plains, NY 10605.

General Purpose. #61874 507 Halstead LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 5/10/2018.

Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 15 2nd St., Harrison, NY 10528-3509. General Purpose. #61875 Notice of formation of FERN LEAF DESIGNS, LLC. Arts of Org. filed with SSNY on 9/17/2018. Office loc. Westchester County.

SSNY designated as agent upon whom process may be served. SSNY shall mail copy of any process Fern Leaf Designs, LLC 11 Edwards Court, Bedford Corners, NY 10549.

Purpose: any lawful act or activity. #61876 508 Seventh Street, LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 9/18/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 235 Mamaroneck Ave., Ste. 403, White Plains, NY 10605.

General Purpose. #61879

NOTICE OF FORMATION OF SUPRANOWITZ CONSULTING LLC. Articles of Organization were filed with the SSNY on 9/13/18. Office location is Westchester County. SSNY designated as agent of LLC upon whom process against it may be served.

SSNY shall mail process to 190 Lake Shore Drive Pleasantville NY 10570.

Purpose: Any lawful act or activity. #61881 Defortuna Design Co., LLC Art.of Org, filed with SSNY on 08/08/2018. Off. loc: Westchester County. SSNY designated as agent upon whom process against it may be served and will mail a copy of process to: The LLC, 48 Brae Burn Drive, Purchase, New York 10577, Purpose: all lawful. #61882 Notice of formation of Arm Security, LLC. Articles of Organization filed with the Secretary of State of New York (SSNY) on September 20, 2018. Office located in Westchester. SSNY has been designated for service of process. SSNY shall mail copy of any process served against the LLC to 193 Upper Shad Road, Pound Ridge, NY 10576.

Purpose: any lawful purpose. #61883 Notice is hereby given that a license, serial number Pending, for on-premises liquor has been applied for by the undersigned to sell liquor, beer, and/or wine at retail in a restaurant under the Alcoholic Beverage Control Law at 147 Chatsworth Avenue, Larchmont, New York 10538, for on-premises consumption. Little Partners LLC d/b/a Durian #61884 Ettore Holdings, LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 9/20/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to c/o The Galinn Fund, 399 Knollwood Rd., Ste 318, White Plains, NY 10603.

General Purpose. #61885 Notice is hereby given that an on-premise license, #TBA has been applied for

by Whole Food’s Market Group, Inc. d/b/a Whole Foods Market Restaurant to sell beer, wine and liquor at retail in an on premises establishment.

For on premises consumption under the ABC law at 20 The Crossing, Suite A Chappaqua NY 10514. #61886

LEGAL NOTICES Notice of Formation of JPC Pro Consulting LLC Art. Of Org. filed with SSNY on 8/17/18. 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, 4 Cobblefield lane, White plains, NY 10605.

Purpose: any lawful purpose. #61887

NOTICE OF FORMATION OF MAHSA A SOHRAB MD PLLC. Articles of Organization filed with the Secretary of State of NY (SSNY) on 9/13/2018. 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 PLLC served upon him/ her is: MAHSA SOHRAB 18 SMALLWOOD PL WHITE PLAINS NY 10603 The principal business address of the PLLC is: 18 SMALLWOOD PL WHITE PLAINS NY 10603 Purpose: any lawful act or activity #61888

SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF WESTCHESTER _________________________________________________ NATIONSTAR MORTGAGE LLC D/B/A CHAMPION MORTGAGE COMPANY vs.

Plaintiff,

PUBLIC ADMINISTRATOR OF WESTCHESTER COUNTY, AS ADMINISTRATOR OF THE ESTATE OF FRANK VERDI; KARA EDWARD, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF FRANK VERDI; JAMES VERDI, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF FRANK VERDI; THOMAS VERDI, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF FRANK VERDI; any and all persons unknown to plaintiff, claiming, or who may claim to have an interest in, or general or specific lien upon the real property described in this action; such unknown persons being herein generally described and intended to be included in the following designation, namely: the wife, widow, husband, widower, heirs at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors, and assignees of such deceased, any and all persons deriving interest in or lien upon, or title to said real property by, through or under them, or either of them, and their respective wives, widows, husbands, widowers, heirs at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors and assigns, all of whom and whose names, except as stated, are unknown to plaintiff; THE PEOPLE OF THE STATE OF NEW YORK; THE UNITED STATES OF AMERICA

Notice of Formation of LDTD Group, LLC Art. Of Org. filed with SSNY on March 29, 2018. Office located in Westchester Co. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 162 New Chalet Dr. Mohegan Lake, NY 10547. Purpose: any lawful purpose. #61889 Notice of formation of Limited Liability Company (ìLLCî). Name: Walison Development LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on September 25, 2018. N.Y. office location: Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The SSNY shall mail a copy of any process to Walison Development LLC, 237 West Lincoln Avenue, Mt. Vernon, New York 10550.

Purpose/character of LLC is to engage in any lawful act or activity. #61890

The American Gold Cup, LLC, Arts. of Org. filed with SSNY 09/24/2018. Office loc: Westchester County.

SSNY has been designated as agent upon whom process against LLC may be served. SSNY shall mail process to The LLC, Attn: Adam Brodsky, 3 W 57th Street, 7th Floor, New York, NY 10019. Purpose: Any Lawful Purpose. #61891 VJ Project Management LLC has filed articles of organization with the Secretary of State of NYS on 09/25/2018. The offices of this company are located in Westchester County, NY. The Secretary of State has been designated as agent of the limited liability company upon whom process against it may be served.

The address to which the Secretary of State shall mail a copy of any process against the limited liability company served upon him or her is 31 Seneca Drive, Chappaqua, NY 10514.

The company is organized to conduct any lawful business for which limited liability companies may be organized. #61892

INDEX NO. 68767/2013

Plaintiff designates WESTCHESTER as the place of trial situs of the real property SUPPLEMENTAL SUMMONS Mortgaged Premises: 29 MAC ARTHUR BLVD CORTLANDT MANOR, NY 10567 District: Section: Block: Lot:

Notice of formation of STEP OFF THE BOAT, LLC. Arts of Org. filed with SSNY on 9/10/2018. Office loc. Westchester County.

SSNY designated as agent upon whom process may be served. SSNY shall mail copy of any process Step Off the Boat, LLC 34 Bramblebrook Road, Ardsley, NY 10502.

Purpose: any lawful act or activity. #61893 Notice of formation of MY HOUSE BUYER, LLC Art org. filed with SSNY on 9/19/2018. Office loc.

Westchester County.

SSNY designated as agent upon whom process may be served. SSNY shall mail copy of any process My House Buyer, LLC 34 Bramblebrook Road, Ardsley, NY 10502.

Purpose: any lawful act or activity. #61894

Notice of Formation of Lori's Day Care LLC. Art. Of Org. filed with SSNY on 7/6/18. 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, 240 Grand St, Mamaroneck, NY 10543.

Purpose: any lawful purpose. #61852 Notice of Formation of WESTCHESTER ACADEMY BASEBALL, LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 5/30/18. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served.

SSNY shall mail process to: 29 Morgan Place, White Plains, NY 10605. Purpose: any lawful act or activity. #61856

105 Smith Avenue LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 8/28/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 105 Smith Ave., Mount Kisco, NY 10549. General Purpose #61857 Name of the LLC: Soleil Consults (US) LLC Date of filing of Articles of Organization with the NYS Dept. of State: 09/06/18 County the LLC is located in: Westchester The Secretary of State has been designated as agent of the LLC upon whom process against it may be served.

Address of the LLC: 161 Pearsall Dr., Mount Vernon, NY 10552 The character or purpose of the business: Business Support Services #61880

THE OBJECT of the above caption action is to foreclose a Mortgage to secure the sum of $450,000.00 and interest, recorded on September 2, 2010, at Instrument number 502303259, of the Public Records of WESTCHESTER County, New York, covering premises known as 29 MAC ARTHUR BLVD CORTLANDT MANOR, NY 10567.

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

WESTCHESTER County is designated as the place of trial because the real property affected by this action is located in said county.

NOTICE YOU ARE IN DANGER OF LOSING YOUR HOME If you do not respond to this summons and complaint by serving a copy of the answer on the attorney for the mortgage company who filed this foreclosure proceeding against you and filing the answer with the court, a default judgment may be entered and you can lose your home.

Speak to an attorney or go to the court where your case is pending for further information on how to answer the summons and protect your property.

Sending a payment to the mortgage company will not stop the foreclosure action.

YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. RAS BORISKIN, LLC Attorney for Plaintiff BY: CYNTHIA MALONE, ESQ. 900 Merchants Concourse, Suite 106 Westbury, NY 11590 516-280-7675

Defendants. _________________________________________________ To the above named Defendants YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve a copy of your answer, or, if the complaint is not served with this summons, to serve a notice of appearance on the Plaintiff's Attorney within 20 days after the service of this summons, exclusive of the day of service (or within 30 days after the service is complete if this summons is not personally delivered to you within the State of New York) in the event the United States of America is made a party defendant, the time to answer for the said United States of America shall not expire until (60) days after service of the Summons; and in case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the complaint.

NOTICE OF NATURE OF ACTION AND RELIEF SOUGHT

WCBJ

OCTOBER 1, 2018

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