Westchester County Business Journal 111014

WCBJ

WESTCHESTER COUNTY

BUSINESS JOURNAL November 10, 2014 | VOL. 50, No. 45

YOUR ONLY SOURCE FOR REGIONAL BUSINESS NEWS | westfaironline.com

Photograph by Bob Rozycki

TOP DOCS

INSIDE

F

NEWSMAKERS • 28

ing three to four calls a day from new clients calling about mortgage defaults. “One of the saddest parts of this is we’re getting calls from individuals who have court appearances within 48 hours,” he said.

Veronica Raphael, mortgage default preForeclosure, page 6

Cabaret, page 6

From left, Drs. Augustine Moscatello, Martin E. Lederman, William Bauman, Kira Geraci-Ciardullo, Thomas Lee and Mary Beth Walsh all were honored at this years Doctors of Distinction awards at the Bristal at Armonk.

See story on page 7.

No end seen near for Westchester mortgage crisis

BY JOHN GOLDEN jgolden@westfairinc.com

A

lthough a decline in foreclosure filings combined with a marked rise in foreclosure judgments in the courts this year suggest a logjam of defaulted loans is clearing in Westchester, the mortgage crisis is not near an end in the county, according to professionals working with homeowners and lenders here.

“It really is the same,” said Geoffrey Anderson, executive director at Westchester Residential Opportunities Inc., a nonprofit housing agency in White Plains that provides counseling and other services to potential buyers and homeowners, most of whom have household income ranging from 50 percent to 80 percent of the area’s median income.

“We’re still seeing a lot of clients coming in.”

Anderson said the WRO office is averag-

BY LEIF SKODNICK lskodnick@westfairinc.com

ive businesses came before the White Plains Common Council on Nov. 3 seeking new cabaret licenses or renewals of their existing licenses. All left empty-handed.

Citing the moratorium on cabaret licensure passed by the Common Council on July 7, the council adjourned hearings on the renewal of a cabaret license issued to Coughlan Inc., which operates the Coliseum on South Broadway, as well as applications for Executive Billiards, Ichiro Asian Fusion, Red Plum 888 and Ron Blacks Beer Hall, all on Mamaroneck Avenue, until the December meeting.

Messages for both Karen Pasquale, senior adviser to Mayor Thomas Roach, and White Plains Building Commissioner Damon Amadio seeking comment and clarification as to when the moratorium would be lifted went unreturned.

With the hearing on Coughlan’s renewal opened by the council, several residents of downtown White Plains approached the lectern to address the council with concerns about the Coliseum.

“The music, booming bass noise, unruly and noisy patrons leaving the Coliseum club, usually on Friday and Saturday nights… has been an issue for the residents,” said Gail Simmering of Main Street.

Simmering was among those who raised concerns about noise from the Coliseum. Among the complaints she and others raised were that noise frequently reaches their residences in the 11 to midnight and 3 to 4 a.m. hours, keeping them awake or rousing them from sleep.

“We’re basically at the end of our rope,” Simmering said. “We don’t want any business in White Plains to shut down, however, we want respect from the establishment and help from the city to resolve the problem.”

Several of those who spoke during the hearing on the Coliseum’s cabaret license

ROCK ROLLOUT • 2

BANK BUY• 21

Cabaret renewals remain in limbo

Biz

Westchester dads open School of Rock in Mamaroneck

WCBJ

WESTCHESTER COUNTY

BUSINESS JOURNAL ®

Biz

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

Publisher Dee DelBello Managing Editor Bob Rozycki Westchester County Bureau Chief John Golden

NEWS Contributing Editor • Mark Lungariello Digital & Copy Editor • Aaron Pelc Reporters • Crystal Kang, Mary Shustack, Leif Skodnick

Tory and Vanessa Ridder stand behind their son Wolfe, 9, while watching students in the School of Rock’s performance program practice at their weekly band rehearsal.

BY DANIELLE BRODY

F

athers in the county are keeping the classics alive with a new generation of rock stars – Westchester kids.

Two childhood friends opened a new branch of the School of Rock franchise in Mamaroneck in September. With corporate backgrounds, Tory Ridder and Ned Kelly, and their business partners Steve Kennedy and Tony Reilly, are getting a taste of what it’s like to be entrepreneurs – and rock band managers.

School of Rock, a company based in suburban Chicago with more than 140 locations in eight countries, is not unlike the 2003 movie of the same name starring Jack Black as teacher to a group of student musicians. The after-school program offers school-age kids and adults private music lessons and an opportunity to join a rock band. Weekly group rehearsals are practice for the live themed rock show the students put on at the end of the season.

“It’s such a great feeling – and this ties into the business – to see the music that I grew up on inspiring the next generation and how they’re able to connect with it and use it as a way to learn music,” said Ridder, 40, of Fleetwood in Mount Vernon.

“This type of program teaches kids how music was meant to be played and how the founding fathers of rock, how they did it.

It’s a wonderful tool to use that music as both inspiration and teaching material for the kids.”

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Ridder, a musician who grew up in New Rochelle, said he and wife Vanessa Ridder, a singer, had wanted to start their own music school for years. When he went to see his childhood hero Jon Anderson perform in 2007, he was surprised to see the Yes star on stage with School of Rock-trained musicians. He said the kids’ talent blew him away, and that put School of Rock on his radar.

Two years ago Ridder and childhood friend Ned Kelly, 40, who had recently returned to Larchmont from working abroad as a managing director at Deutsche Bank, talked about opening a School of Rock together.

“We decided to call corporate and see what was available, and say, ‘Listen, we’re from southern Westchester, we know you don’t have a school here and we want to open one, and we know that we’re the guys to do it,” Ridder said.

Executives at School of Rock headquarters grouped Kelly and Ridder with Kennedy, 44, of Bedford, and Reilly, 46, of Manhattan, who had already opened franchises in Bedford and across the Connecticut border in Fairfield, Shelton and New Canaan. Ridder said Reilly and Kennedy’s knowledge about the business has been an asset.

The four equal partners signed the agreement for the Mamaroneck school a year ago and invested about $200,000 to launch it. They leased a 3,000-square-foot space for the business at 1 Depot Plaza

across from Mamaroneck’s Metro-North Railroad station. The school design and build-out cost $90,000. For rights to the School of Rock brand, the owners pay an 8 percent royalty fee and a 3 percent brand fund fee per month based on their revenue.

Ridder and Kelly also paid $20,000 to obtain the rights to open two more locations in southern Westchester County in the next two years. They are looking for spaces along the Harlem and Hudson train lines. In August, the two also acquired a School of Rock in Roslyn, N.Y. Ridder said he enjoys working with Kelly, whom he’s known since grammar school, and influencing young musicians.

Ridder also works with his wife, who left her job as director of communications at the Mount Vernon City School District to be general manager of School of Rock full time.

Ridder splits time between his job at School Guide Publications in New Rochelle and at the rock schools. Kelly works full time at the new business venture and his wife, Eliza, helps out.

At least one of the four owners is in the Mamaroneck space each day, said Ridder.

Reilly, who has worked at startups and a private equity firm, and Kennedy, who has a background in publishing, are full-time owners. The school also employs one fulltime music director and professional music teachers.

Although Ridder doesn’t work full time at School of Rock yet, he said it takes up a School of Rock, page 13

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Mamaroneck seeks consultant for industrial area facelift

BY MARK LUNGARIELLO mlungariello@westfairinc.com

T

he village of Mamaroneck is looking for a firm to conduct a real estate analysis of its industrial flats, with the long-term goal of rezoning and redeveloping the area.

The village board of trustees voted at its Sept. 27 meeting to issue a request for proposals to planning consultant firms for a real estate market analysis and redevelopment plan that would be due by the end of 2015.

It has budgeted up to $46,500 for the work, which will be partially offset using a $6,500 grant from the state’s Hudson River Valley Greenway program.

The industrial area is bound by Interstate 95 and the Sheldrake River to the north and by the Metro-North New Haven Line tracks on the opposite side. The area is 65.4 acres, or 3.1 percent of all village land. There are 161 properties containing 134 structures within the area, but Mayor Norman Rosenblum said a change there would not be met with an outcry because there are only 17 residences in the neighborhood.

The 17 residential structures are nonconforming under current industrial zoning

codes in the village, Rosenblum said.

The area is made up mostly of auto shops, parking lots and industrial properties.

Combined, the properties pay $2.8 million annually in village taxes, not including taxes to the Mamaroneck public school district and the town of Mamaroneck. Rosenblum said allowing for other types of development would mean increased tax revenues for the village that are not coming from residents.

Mamaroneck has formed a volunteer Industrial Area Committee, which is tasked with working with the chosen consultant and fostering collaboration with the business owners in the area, many of which have called The Flats home for a number of years.

Open forums and hearings will be conducted prior to an ultimate rezoning, according to the plan.

The village’s 2012 comprehensive plan noted a decline in land uses in the industrial zone, as many large companies including Suburban Carting and Happiness Laundry moved out of the area. Many properties have been converted to parking lots for businesses in the area and for a nearby auto dealership.

According to the village’s request for proposals, 52.7 acres, or more than 80 percent of the

The village of Mamaroneck’s industrial area, bound by Interstate 95 to the north and the Metro-North Railroad tracks to the south.

total acreage, of the industrial area is made of impervious surfaces. In the flood-prone village of Mamaroneck, officials are hoping that an eventual redevelopment project would mean improved flood-mitigation construction. Ninety-six of the 134 buildings in the area are in the flood zone, according to Federal Emergency Management Agency maps.

Mamaroneck conducted a study of the area in 1997 but never rezoned. The request for proposals does not offer insight into what a potential facelift would look like but rather asks a consultant to use real estate market data to determine possible zoning uses (the mayor previously said strictly residential uses are not likely to be considered).

The mayor told the Business Journal he has received informal interest from a bou-

tique hotel, a sports center and a boutique hotel for dogs.

“They claim that is more profitable than a hotel for people,” he said.

Rosenblum said existing industrial buildings would be “grandfathered in” to any new code, although owners would need to seek variances or special permits for any expansions or renovations. As a concession, the mayor said the rezoning would increase their property values.

“You have a zoning where it’s conducive to those people to look for a different place, they could (get) enough value if they want to move somewhere else,” he said. “That’s a continuous thing that’s happening in Westchester.”

Responses from bidders are due to the village by Dec. 1.

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9/22/14 3:42 PM

November 10, 2014

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Nursery auction on hold pending environmental studies

BY LEIF SKODNICK lskodnick@westfairinc.com

T

“It makes me sad that each year, 15 million

babies are born too soon.

All babies deserve time to grow and develop before they are born. It is up to all of us to make this happen.”

– Celine Dion Photograph courtesy of Anne Geddes copyright 2013

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November 10, 2014

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he auction of the former Frank’s Nursery site in the town of Greenburgh has been postponed.

The site at 715 Dobbs Ferry Road was scheduled to be sold at auction on Nov. 13.

But despite interest from more than 60 potential developers, the auction has been put off indefinitely while further environmental studies of the property are conducted.

Town Supervisor Paul Feiner in an email said that GA Keen Realty Advisors told the Town Board “the feedback that (GA Keen Realty Advisors) had received from prospective bidders included significant reservations about the environmental condition of the property. Specifically, (GA Keen) stated that many prospective bidders indicated that they would not bid or that they would bid a nominal amount in order to account for the unquantifiable environmental remediation costs at the site.”

Reached by phone, Feiner told the Business Journal that the town is moving forward with further environmental study of the site.

“We want to do the study really quickly,” Feiner said. “My call would be to do the auction in January or sooner because there’s real interest in the property.”

Feiner said the town would also consider rezoning the property for other uses with the hope that doing so would attract more bidders.

A study commissioned by Greenburgh and conducted by Harrison-based Woodard

& Curran Engineering estimated environmental cleanup of the site would cost millions due to a 2001 oil spill. According to the report, 500 gallons of No. 2 fuel oil seeped into the ground and there have been no further cleanup efforts since former owner S&D Realty Inc. filed for Chapter 11 bankruptcy protection in 2001. Woodward & Curran’s study didn’t give an estimate of the cost to remediate the damage.

The town acquired the land in a 2011 tax foreclosure and received an offer from Game On 365 LLC, which offered $1.7 million for the land and promised an additional $1.3 million over 13 years. Town officials announced they had agreed to that deal at a press conference in May 2013.

But the deal drew opposition, with critics saying the phrasing of the deal didn’t properly ensure the $1.3 million would be paid.

Some residents said the town should have accepted a competing offer from Ardsleybased House of Sports, which had jumped in with a $3.5 million cash offer for the property “as is.”

A month after announcing the deal with Game On, the town offered the property to House of Sports instead. Both companies threatened lawsuits if Greenburgh contracted with the other, leading to the town putting off the sale. Both companies wanted to build a sports facility.

Game On project manager Martin Hewitt said at the time that an open bidding process is the fairest option. “It’s the cleanest way that the town can avoid a lawsuit,” he said.

Feiner said that there is no minimum sale price that town is looking for, and added, “It’s better to let the market decide.”

McCarthy Fingar adds practice group

W

hite Plains law firm McCarthy Fingar LLP is adding a municipal law and land use group that will begin taking clients in November.

The practice group will work with clients or municipal entities in developing strategies for real estate projects where there is interplay of zoning and other land use, eminent domain or development issues. The group’s attorneys also will appear in court and before zoning and planning boards on behalf of private clients and governmental units.

“We’re excited to have this talented group join the firm,” McCarthy Fingar coadministrative partner Lisa Newfield said in a statement. “All of them are outstanding attorneys and their wealth of experience in planning, zoning and environmental law processes, as well as the political arena in which land use approvals are processed and

approved, will greatly enhance the services we offer to our clients.”

Clinton B. Smith will lead the group.

Smith, who earned his law degree from Columbia Law School in 1977, served as New Castle town supervisor from 1996 to 1999. He has served on the Westchester County Planning Board and the Teatown Lake Reservation board of trustees, and is a member of the New York City Watershed Protection and Partnership Council, East of Hudson Advisory Committee.

Attorneys Lester D. Steinman and Daniel Pozin will serve as partners, with attorney Anna Georgiou also in the municipal law and land use group. All four attorneys recently joined McCarthy Fingar after working for Wormser, Kiely, Galef & Jacobs LLP in White Plains.

— Leif Skodnick

Judge halts Purchase Free Library’s eviction

BY MARK LUNGARIELLO mlungariello@westfairinc.com

A

state Supreme Court judge has ordered a nonprofit to postpone the eviction of the Purchase Free Library in Harrison as a legal battle continues over the library’s future.

The Purchase library is the smallest in Westchester County, employing one person full time and occupying an estimated 700 square feet at the Purchase Community House, which also hosts preschool and after-school programs and a day camp.

Purchase Community Inc., the nonprofit that operates the community house, decided not to renew the library’s lease due to what it called safety concerns. An eviction notice was issued in September, but library officials and community members sued the nonprofit, saying it had no right to evict and that the community house and library were inseparable.

Judge Linda Jamieson ruled Oct. 28 to stay the eviction and told both parties they needed to come to terms about a special meeting of the nonprofit’s members to be held by Dec. 15. Martha Greenberg, president of the library’s board of trustees, said

in a statement that the library and its supporters were grateful for the postponement.

“It is unfortunate that the Purchase Community Inc. board has tried to evict the library when there is no broad consensus in the community for such radical action that will alter our community forever,” she said.

PCI’s board said the library should be treated no differently than any tenant in a privately owned building. The group said its reason for not renewing the lease was the safety of children, after two incidents involving suspicious men on the property who said they were visiting the library.

Justine Gaeta, president of PCI’s board, said the decision not to renew came after months of discussion.

“Now a small group of library supporters wants to overturn that decision and change PCI’s corporate purpose to make the library a permanent tenant,” she said. “Such steps have no legal basis and would harm the interests of everyone in the Purchase community.”

Since the library is a public space, officials have said, any individual has the right to access the property despite potential risks to children. But according to papers from

the library’s attorney, Steven Schoenfeld of the White Plains-based firm DelBello Donnellan Weingarten Wise & Wiederkehr LLP, no one has an absolute right to loiter in the parking lot or front of the building.

In court documents, the library’s security consultant, Larry Eidelman, a Yorktown police officer with experience working with children and schools, is quoted as saying the library “presents no significant safety or security risk to patrons, staff or the surrounding community.”

The library has signed annual leases for the space in the community house, starting at $100 per month in the 1920s with significant increases up to its present $1,800 per month. The library contends its function is tied to the legacy of the building even if that was never expressly stated within its lease.

The property was donated by the family of William A. Read, which stipulated the property must always be used as a community house. Although there is no mention of a library in any agreement with the family, Read’s wife and other members of the family were involved with the library. Donald Read, William A. Read’s grandson who now lives in Connecticut, said in a court state-

ment that the eviction of the library would not represent the wishes and legacy of his grandparents. The library was operated by a subcommittee of the PCI board until the 1960s, when management was separated.

The library has contended its arrangement with PCI is not a typical landlord-tenant relationship and that the PCI board does not have the right to evict the library, which said it has nowhere to relocate.

Supporters gathered 900 signatures in a petition to keep the library open and have since called into question the PCI board’s decision not to renew. Many library supporters are PCI members who now wish to hold a recall election of the nonprofit’s board of directors and reverse the decision at a special meeting — in court documents, the library’s attorney said the board’s re-election was held unscientifically with an informal show of hands of those in attendance. That is the meeting for which the agenda is to be determined by request of the judge by Dec. 15.

The Purchase library operates independently of the Harrison Public Library, which has branches in the other two geographic areas of the town: Harrison and West Harrison.

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Cabaret — From page 1

stressed that the noise is a quality of life issue for those living in the immediate area.

“ZIP code 10601 is a heavy residential area, and some of us paid over a quarter of a million dollars or more for our apartments to live in a city that has been reborn over the last decade,” Simmering said.

“However, there has been little respect from the Coliseum for residents in this area, and most residents have stopped calling police because little or nothing can be resolved.”

According to Coughlan, the noise levels from his club are well within the limits required by his cabaret license.

“The truth is that there is no noise

Foreclosure — From page 1

vention director at WRO, said the agency also gets calls from homeowners summoned to pre-foreclosure settlement conferences. Supported by funds from New York’s $130 million share of a national mortgage settlement with the five largest mortgage servicers that were allocated to the state attorney general’s 2-year-old Homeownership Protection Program, WRO housing counselors represent clients at the conferences to try to work out loan modifications to avoid the loss of their homes. “That has been saving a lot of homeowners from foreclosures,” she said.

“There’s still a substantial amount of foreclosures being filed and there’s still a substantial backlog in the courts,” said Peter Spino Jr., a White Plains real estate attorney representing clients in foreclosure defense, loan modifications and short sales of properties at prices less than their owners’ outstanding mortgages.

Although low-income and middle-class homeowners in the county have borne the brunt of the collapse of house market values and job losses since 2007, mortgage defaults “definitely run the gamut of income ranges,” Spino said. “Over the last year or so we might have seen some people at the higher end of wealth” who have tapped out assets that had staved off default on their mortgages, he said.

At Keller Williams Realty in Bedford, “We’re still seeing a fair amount of luxury properties (with mortgages of more than $1 million) that are in distress,” associate broker Mark Boyland said. A certified distressed property expert, Boyland offers advice on alternatives to foreclosure and

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emanating from my space,” Coughlan said.

A lot of the noise residents in the neighborhood hear, he said, comes from people coming or going from the Coliseum who are outside the club, on the sidewalk and otherwise in the area. “I’m required to keep it below 85 decibels and the most it ever peaked at was 81.”

Coughlan said that a large amount of the noise that residents are complaining about is part of living in a thriving downtown area.

“Broadway is very noisy, and I know this personally. I owned a co-op at The Broadlawn at 20 North Broadway and I sold it after eight months because it is noisy there and I couldn’t sleep,” Coughlan told the council.

Reached by phone, Coughlan told the Business Journal that the rapid growth of downtown White Plains has contributed to the noise.

“White Plains used to have a sleepy downtown, but now you have the multiplex and the new hotel and development, and all of that contributes to traffic and noise,” Coughlan said. “And so we have a choice, does White Plains want to have a vibrant downtown with the nuances that come with it, or be residential?”

Ultimately, Coughlan said that his business and others need the cabaret licenses to survive.

“You can’t survive in White Plains as just a restaurant,” Coughlan said. “That’s why restaurants are seeking out cabaret

licenses, because they can’t break even as a restaurant because restaurants make little to no profit on food service. They profit mostly on drinks.”

It remains unclear when the moratorium will be lifted on cabaret licensing.

In the years he’s operated his business, Coughlan said he has never had a violation of any kind. He wants to see White Plains grow and thrive economically.

“My space has had a cabaret since 1970,” Coughlan said, stating that Oliver’s, which occupied the space for years before his business was opened, didn’t have many noise complaints for good reason – no one went there in the years leading up to its’ closure. “We want the benefits of the downtown, but we can’t have it both ways.”

markets his short sales realty team at his website, dontforeclosesellinstead.com.

His short sale business, though, “is not as strong as it’s been in the previous years” of the national mortgage crisis, he said.

Boyland a year ago said short sales made up more than half of his firm’s business.

Westchester County Clerk Timothy C. Idoni recently reported that 1,738 foreclosure actions by lenders or mortgage servicers were started in the county through the first three quarters of this year. That is a 15 percent decrease from the same period in 2013, which ended with 2,697 foreclosure filings for the year, the highest in the county since the depths of the recession in 2009.

While new filings have slowed, 560 foreclosure judgments by the courts against defaulting homeowners were issued through the first three quarters this year, a 140 percent increase from the same period in 2013. Judgments to date this year already are up 51 percent from the 371 judgments recorded for all of last year.

“While a drop in new actions is a hopeful sign that the Westchester foreclosure crisis is slowing, far too many foreclosure actions still end in a judgment of foreclosure,” Idoni said in his report.

In his law practice, “I definitely have seen a lot more judgments,” Spino said. “I think it’s just a byproduct of foreclosures finally getting to the end of the road.” Foreclosures in Westchester often take two to three years, both Spino and WRO officials said.

Boyland said the spike in foreclosure filings in 2013 led to the spike in judgments this year. Yet many of those defaulted homeowners will not lose their homes, he said.

“I would say the majority of judgments will go short sale or final (loan) modification before foreclosure” and the sale of the

properties at auction, he said. A court judgment against them “is what some people actually need to do the right thing.”

Spino said he tries to arrange short sales for clients before a foreclosure sale is scheduled, although the risk of losing one’s home is high. “You’re in a very dangerous situation after the judgment where it’s very difficult to save the house,” he said.

Boyland said lending banks “are very focused on other parts of the country” with more mortgage defaults and faster processing of foreclosures than in New York, which requires lenders and borrowers to appear before a court-appointed referee at a settlement conference after a foreclosure action is filed.

“New York got backlogged and they’re still backlogged,” he said. But banks have become more aggressive here against defaulted homeowners, some of whom have not made a mortgage payment in a few years, Boyland said. “I’d say the bulk of them are in the (foreclosure) process now.”

Despite federal and state programs to prevent defaulted borrowers from losing their homes, some do not qualify for modifications. At Westchester Residential Opportunities, about 30 percent of clients in default are not eligible for modifications because they lack sufficient income to repay the loans and catch up on arrears, Raphael said.

“We’re still seeing homeowners that are unemployed more than a year and at a serious stage” in foreclosure, she said.

Other clients in default own multifamily homes and lack adequate income because their tenants are unable to make rent payments. Others can’t pay their mortgage because they are underemployed.

Spino has had clients whose mortgage payments do not exceed 31 percent of their

gross income, which disqualifies them from the modification program. “I’ve had three people recently who actually made too much money to get a loan modification,” he said.

At WRO, Anderson said that some loan modifications have higher adjusted interest rates that are coming due and which some homeowners cannot afford.

Raphael added, “We’re seeing the loan modifications would be affordable if the (property) taxes weren’t so high” along with property insurance. “That makes it unaffordable for some homeowners.”

Raphael said two major mortgage lenders, Bank of America and Chase, have sold servicing rights on defaulted loans to small servicers. The White Plains agency had approximately 40 Bank of America loans it was handling for clients at the start of 2014, she said. By spring, after the bank’s sale of mortgages to other servicers bound by fewer regulations, WRO had only about eight Bank of America loans in its pipeline, she said.

“We’re still at that forced enforcement stage” for loan modifications by banks and servicers, Raphael said. “They’re not cooperating. They must be forced to do modifications.”

Spino said though there’s “still a tremendous amount of short sales out there” by homeowners in default, the banks have been moving more quickly to get them approved. Lenders are also doing loan modifications “in a more timely manner,” he said.

But Spino is not hopeful that an end to the county’s mortgage crisis is near.

“Two years ago I thought we were halfway there,” he said. “We still have years ahead of us. Obviously we’re at the back end, but it’s nowhere near over.”

Westchester’s top healers honored at Doctors of Distinction 2014 STAFF REPORT

T

he best in the medical profession in Westchester County were lauded for their work at the Doctors of Distinction awards Oct. 30 at The Bristal at Armonk.

The event was presented and co-founded by the Westchester County Business Journal, Citrin Cooperman and the Westchester County Medical Society, and sponsored

by Simone Healthcare Development and Danziger & Markhoff LLP. It was the second annual Doctors of Distinction event for Westchester County, honoring outstanding physicians for their achievements in five categories.

“Medical care is really about patients and really about the community,” said Alan Badey, the managing partner of Citrin Cooperman, in his remarks that opened the evening. “What we expected to come out of this a few years ago is really what has come out of it. We’ve enabled Westchester to honor some of its top givers to the community. It’s all about giving back to the community and we applaud all the doctors for that.”

“It’s amazing that after the inaugural Doctors of Distinction awards in Westchester, the inspiring stories by the winners still resonate with the attendees and Business Journal readers,” said Dee DelBello, publisher of the Westchester County Business Journal.

“I think there are two great incentives in human endeavor — altruism and self gain,” said Lou McIntyre, the vice president of the Westchester County Medical Society.

“Medicine, more than any other, encompasses altruism as a guiding force.”

Giving the keynote address, Ed Halperin, a radiation oncologist and the CEO and chancellor for health affairs of New York Medical College urged cooperation between science and government to further medical research.

“We live in a world of considerable pessimism, when it comes to medicine in biomedical research. This even was created in opposition to that,” Halperin said. “We live in a world of pessimism in which it is popular for sanctimonious people say to that government isn’t the answer, government is the problem. But all those medical triumphs were reached because of medical research funded by the U.S. and foreign governments in partnership with academic researchers.”

Martin E. Lederman, of Lederman & Lederman LLP, was the recipient of the Humanitarian Award, presented in recognition of a physician or physicians for a project or service that impacts humanity by significantly improving or enhancing the quality of life for people in the region, nationwide or worldwide.

Lederman recalled his childhood, when his parents would quarantine him when

he was sick and only a doctor was allowed to visit him in his room at their home in Brooklyn.

“My older brother died of a disease we don’t really think about any more, diphtheria; we used to lose 10,000 babies a year,” Lederman said. “The only person who could come visit me in my room was the doctor. I said to myself this man who can do this wonderful thing, I’m going to do that and learn his secrets.”

As a pediatric ophthalmologist, TWB Lederman has practiced in Westchester Greyston/Snipe County since 1984, and has headed teaching WCBJ w x missions 7.125” h to Panama, Kenya, and7.375” surgical 10/22/14, revision 2 Morocco, Dubai and Belize.

“I was asked to go to Panama and perform surgery on children with strabismus,” Lederman said. Strabismus is the medical term for what is commonly known as

crossed eyes. “I was told when you have strabismus in a country like Panama, no one will marry you and no one will employ you. So I went and did surgery on 150 children, and then went back and did that again.”

Later, he co-founded One World, One Vision, an organization devoted to bringing pediatric ophthalmologists to developing countries to treat children and adults with strabismus and children with cataracts.

“Once you see an area where if you don’t do it, no one else will, it gets in your blood,” Lederman said of his charitable efforts.

“There are 70 million people who need our work, and we can only do 100. Why don’t we train the local ophthalmologists to do what we do? And we’ve been to Mombasa and Katmandu and trained them to do our work, and they’ll train others, and eventually, we’ll lick this problem.”

Kira Geraci-Ciardullo of Westchester Health Associates and Mary Beth Walsh of The Burke Rehabilitation Hospital earned the Lifetime Achievement Award, given in recognition of a physician who is respected by his or her peers for a lifetime career in medical service to the community.

A graduate of Columbia University College of Physicians and Surgeons, GeraciCiardullo has served as chief of the allergy division of White Plains Hospital and president of the Westchester Allergy Society.

“I accept this award with great humility,” Geraci-Ciardullo said. “Every single physician I’ve ever dealt with has done just as much. It’s not enough that the doctor is excellent — we need to engage people and that’s a skill that so many great physicians have.”

Doctors, page 17

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Dog treat company helps employ people with disabilities

BY FRANK PAGANI

T

here have been a lot of tails wagging since Good Reasons LLC, a new dog treat company in North Salem, launched July 1. But this is not just another producer of tasty morsels for “man’s best friend.” Rather, it’s a not-for-profit venture with a unique mission: to create and market a line of all-natural, tasty snacks for canines — the proceeds of which to be used to provide employment opportunities for people with autism and other disabilities.

In the first three months of operation, the results were very promising, said Vicki M. Sylvester, the founder of Good Reasons. “We have created a full line of dog treats to please any pooch’s palate and have sold more than 1,500 bags of our biscuits via online orders as well as through a network of 21 locations that we have created by leveraging our contacts and pounding the pavement.”

That network of outlets is diverse, ranging from Shampooch in Mamaroneck and the SPCA of Westchester County in Briarcliff Manor to Linda Rich Salon in New Milford, Conn., and Adams Fairacre Farms in Lake

Katrine, Newburgh, Wappingers Falls and Poughkeepsie.

Sylvester is the inspiration behind Good Reasons’ value proposition. For more than 30 years she has been a highly effective advocate for the disabled and has served as CEO of Community Based Services since 1998. The nonprofit organization, established in 1981, was one of the first to provide a high level of individualized care for people with autism and other developmental disabilities through residential and community-based programs.

Sylvester also is a lifelong lover of animals and the “significant other” of three beloved springer spaniels who are an integral part of the team. When the state of New York more than a year ago asked its network of providers, including Community Based Services, to help create jobs for people with disabilities, she decided to apply her professional and personal passions to the task. “I wanted to establish a company as a companion entity of CBS that would support an integrated workforce, foster a meaningful work environment where individuals receive a sense of appreciation, self-worth and gratification,” she said.

Initially, that company was called Three

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Good Reasons LLC’s Cheryl Jackson packages dog treats.

Brown Dog Barkery LLC, named after Sylvester’s canine trio. But the name was changed to Good Reasons to better reflect the company’s overall mission.

There are 20 people, under Sylvester’s direction, who are actively involved in helping to assure that Good Reasons will thrive. In addition to production, marketing and sales, the team assesses and prepares candidates for employment by developing their skills.

Currently, there is one full-time and five part-

time developmentally disabled salaried individuals on staff. Sylvester’s aim is to create 10 full-time positions by January.

The key to increased employment is significantly boosting sales. There are three varieties of dog treat flavors — peanut butter, cheddar and pumpkin — that are the creation of chef Allan Katz, an alumnus of the Culinary Institute of America who has served as head of the commissary at CBS with the responsi-

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Pawtential, page 13

Financial firm opens Chappaqua office

Katonah broker named HGAR Realtor of the Year

T

he Hudson Gateway Association of Realtors has named a brokerowner in Katonah as its Realtor of the Year for 2014.

Carol Christiansen, who opened Café Realty in Katonah in 2013, was honored recently at the annual meeting of HGAR, which represents about 9,000 real estate professionals in Westchester, Putnam, Dutchess, Rockland and Bronx counties.

In real estate for almost 20 years, Christiansen previously worked at Keller Williams Realty, Prudential Holmes & Kennedy and Preferred Realty Inc., and has served on the Realtors association’s board of directors and several of its volunteer committees. She is past president of the Empire-Westchester chapter of the Women’s Council of Realtors.

In her community, Christiansen is involved with Drug Crisis in Our Backyard, a nonprofit organization founded in Mahopac two years ago to raise awareness and provide education to families and individuals struggling with addiction.

Richard D. O’Donnell, a property tax consultant in Scarsdale, was named the Hudson Gateway association’s Affiliate Member of the Year.

HGAR officials said O’Donnell has been a constant supporter of the association and has helped many HGAR members and their clients to save money on their real estate taxes. Before opening his own business, he spent 28 years as tax assessor for the towns of Eastchester and Mount Pleasant and the village of Tuckahoe.

Also receiving awards at the annual meeting were: • Kathy Milich, of RE/MAX Benchmark Realty in New Windsor, Spirit Award.

• Jennifer Maher, of J. Philip Real Estate LLC in Briarcliff Manor, and Russ Woolley, broker-owner of Wright Bros.

Real Estate Inc. in Nyack, Extra Mile Award.

• Gail Fattizzi, of Westchester Real Estate Inc. in Eastchester, and Mike Gibbons, of Coldwell Banker Residential Brokerage in Dobbs Ferry, President’s Award.

• Ralph Ragette, of Ragette Real Estate Inc. in Eastchester, the Albert P. Schatz Legislative Advocacy Award.

The association this year added a new honor, the Stephanie Crispinelli Humanitarian Award, named for a Katonah resident who died in an earthquake in Haiti while on a humanitarian

mission. The award is presented to an HGAR member who has made a significant impact on helping those in their local community and beyond.

Stephanie Crispinelli’s mother, Lin Crispinelli, an associate broker at Houlihan Lawrence in Somers, received the inaugural award for establishing “Stephanie’s Mission,” a nonprofit that helps children and families worldwide by building homes and schools and supplying clothes and other necessities.

“Their self less volunteer work and ‘go-give’ attitude has continued to be an inspiration for us all,” HGAR CEO Richard Haggerty said of the winners.

— John Golden

Hudson Gateway Association of Realtors President Diane Cummins, left, presents Carol Christiansen with the 2014 Realtor of the Year award.

Financial Asset Management Corp. will expand into Westchester County with the opening of an office in Chappaqua.

“While we’ll continue to offer our comprehensive menu of financial planning and investment management services, our new office in Westchester County will enable us to serve our clients living there in a location more convenient to them and will also put us in a position to offer our services to new clients in the county,” said Scott M. Kahan, president and senior financial planner at Financial Asset Management, in a statement.

The office will be at 26 S. Greeley Ave. in the hamlet. Kahan, a longtime resident of Chappaqua, founded Financial Asset Management Corp. in 1986.

— Leif Skodnick

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The Bristal Assisted Living

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Each year on Veteran’s Day our communities pay special tribute to those who served in the armed forces. Their fierce camaraderie is contagious and their experiences inspiring. The Bristal salutes the many men and women among our ranks who dedicated themselves to the cause of freedom. Our thanks should be felt and heard, especially at this time of year.

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ASK ANDI

BY ANDI GRAY

Take sales goals seriously to see results We’re not going to get as much growth this year as we needed. The goal was a pretty conservative multiple of last year’s number. Our customers are mostly doing better this year than last, so I was pretty sure we would be OK. Where did I go wrong?

THOUGHTS OF THE DAY: Sales goals set at the beginning of the year are only the first step of a yearlong campaign. Achieve your plan for the future by looking forward. Make sure everything lines up to support the plan. Stay ahead of the game by thinking strategically and implementing tactically. Constantly manage sales. Make adjustments throughout the year.

Some of business owners go through an annual planning process. Some owners take a stab in the dark, guessing at how things will go in the upcoming year. Some owners shy away from planning, assuming there’s no way to control the future. Some are too tied up solving immediate problems and can’t afford to take time out to plan.

If there is a plan, often a quarter goes by, sometimes a whole year, before results are checked against the plan. Everyone gets busy.

Things look good some months. Bandages get applied to the slow ones. Maybe the target becomes reality, maybe not.

Instead, set the goal, inform everyone in the company of the mission and their role in helping to achieve that mission. Make sure every department has a way to report on how they’re doing relative to the overall company goal.

Start a dialogue. For example, how many units does everyone in operations have to produce and deliver to hit the annual goal?

Does the operations department need additional equipment, staff, training? How many new customers does sales have to find? How many existing customers need to expand, by how much, and who’s going to do that? Who is most likely to fall away as a customer, and who is most likely to come on board? As the company’s revenue grows, how many additional employees will be needed? Who is responsible for tracking and analyzing numbers?

What reports does everyone need throughout the organization so they can know if they’re on track or not?

The time for discussion about what it will take to hit the sales target is before the year kicks off. And every department needs to participate in that discussion. Get questions answered and take reservations off the table so your company hits the ground running.

Start to plan by defining where you want

to get long term. Then work backward. Want Make sure operations and sales are working to double the business in five years? It’s easier as one team to sell and deliver what they both than you think. Want to exit profitably with can live with.

A month can go by in the blink of an eye. enough money to live well in retirement?

Figure out how much time you have, how Use weekly meetings or conference calls to much money you’ll need and how many risks share information. It doesn’t have to take an hour; 15 minutes can help everyone to mainyou can afford to take.

Decide how fast you want or need the tain focus and plan out where to go when they company to grow. Year-over-year growth of 10 need help.

Treat the company’s sales goal as absopercent to 15 percent is healthy. Line up the lute. Think about making a trip. You probresources to do that.

Stay ahead of the game by thinking stra- ably wouldn’t be satisfied if you set out on a tegically and implementing tactically. It’s not trip but had to stop halfway because things so much about getting more revenue every went wrong. You’d probably keep checking on month. Maintain peak volume in the peak progress and solving problems until you got months. Fill in the holes of the down months. where you wanted to go. Deal with your sales Constant revenue leads to constant profits. Set plan the same way.

Looking for a good book? Try “Selling aside time to plan out how to do that so no one Against the Goal: How Corporate Sales has to react at the last minute.

Treat sales management as a daily game. Professionals Generate the Sales They Need” Hit yesterday’s goal? Great. Now hit today’s. by Kendra Lee. Andi Gray is president of Strate�y Leaders Missed today’s goal? Ask sales to make an extra call on the way home tonight to ask for Inc., strate�yleaders.com, a business-consulting �irm that specializes in helping entreprean extra order. Quickly correct small misses.

Ask people in sales to plan their time, neurial �irms grow. She can be reached by their accounts and their sales to match the phone at 877-238-3535. Do you have a question company’s overall goals. Ask marketing to for Andi? Send it via email to AskAndi@stratprovide more support if things get behind e�yleaders. Visit AskAndi.com for an entire WCBJ-GivThanks_Palm Card 11/3/2014 12:19 Page of 1 Ask Andi articles. and to stay on it until things get caught up. PMlibrary

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November 10, 2014

WCBJ

School of Rock — From page 2

surprising amount of time, whether he’s marketing, dealing with a facilities issue or finding venues. He spends many early mornings, late nights and weekends working on the business.

“It becomes part of everything you do,” Ridder said. “The time you devote is more than anything else. It’s incredibly rewarding to have a vision and a dream and see it realized; it’s unlike anything else I’ve ever done.”

The school currently has about 50 students. Its performance program, which

includes a private weekly lesson and a weekly 3-hour band rehearsal, costs $340 per month for the season. Rock 101, the same program but for younger students, costs $295 per month. Private lessons alone cost $240 per month. Adults pay $295 per month for weekly classes and practices.

The bands mix kids of different ages that have varying levels of ability, which naturally leads to the older kids mentoring the younger ones, Ridder said. On a Wednesday, the Ridders watched as students, including their son, Wolfe, 9, performed together on vocals, keyboard, bass guitar, guitar and drums in the rehearsal room. The Rock 101

group will open with The Beatles followed by the older group’s rendition of Pink Floyd’s “The Wall” at the school’s first live show, Feb. 8 at Molly Spillane’s in Mamaroneck.

Ridder predicts the Mamaroneck school will break even after its third month. The team’s main focus is to increase enrollment by partnering with the community, marketing with social media and advertising at the train station and on local blogs. He hopes to eventually offer more shows and fundraise for the Rock School Scholarship Fund, which gives need-based scholarships to students to take School of Rock classes.

With posters of Led Zeppelin, The

Rolling Stones and Jimi Hendrix decorating the studio, the space appeals to rock-loving parents as well as their kids. In the lounge, there’s a wall for students to sign their names – or practice their autographs – and the Ridders’ son’s artwork is on display.

Ridder calls his work a “labor of love” since his two sons and the Kellys’ two daughters take classes at the school. Ridder said he has seen his son’s confidence grow from learning bass guitar.

“It’s been an incredible experience for us seeing our own children embrace it the way they have,” Ridder said, “and it makes all the hard work worthwhile.”

Pawtential — From page 8

bility of developing the dietary plans for the disabled community it serves. A dog lover, Katz is busy working his culinary canine magic to create five additional varieties of dog treats by year’s end.

The treats are baked and packaged at facilities in Poughkeepsie and Brewster.

Sylvester said that on some days as many as 12 people participate in the production.

“Some are employed and others are in our pre-vocational program, learning soft skills necessary for future employment, while others are volunteers.”

Consumers can purchase the treats online at goodreasons.com at $7.99 per 7-ounce package (there is a flat $5 shipping fee on orders of $20 or more). The company also leverages its Facebook and Twitter pages to increase sales. Plans are also underway to create a product line comprising T-shirts, hats and others items showcasing the Good Reasons brand. Sylvester said she hopes that by forming partnerships with other agencies in the Hudson Valley, new outlets will be added to the distribution network as well.

“We have the potential of becoming a role model throughout the state and beyond that will inspire other companies to provide jobs to people with disabilities. That is the longterm goal we are striving for,” she added.

Sylvester has assembled a highly attractive and remarkably young management team to assure that Good Reasons will succeed. They are Gracie, age 6, who serves as CEO (chief eating officer) and her brothers — Tucker, 6 (COO, chief “odorable” officer) and Hudson, 3 (CFO, chief finicky officer).

With so much on their plates (primarily promoting the brand, serving as the company’s cutest ambassadors and sampling the treats before they are shipped), they hardly epitomize the “dog’s life” often associated with so many of their peers. As part of the team, they are simply too busy with the task at hand, as succinctly stated in the company’s tagline: “Unleashing Pawtential.”

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November 10, 2014

13

ACCESS. ADVOCACY.

Westchester County Association

ACTION.

WCA LAUNCHES THE

“YEAR OF INNOVATION”

WITH GLOBAL ENTREPRENEURSHIP WEEK NOVEMBER 17–21, 2014

To celebrate the innovators, job creators, entrepreneurs, and visionaries who are moving Westchester forward, the WCA’s BLUEPRINT for Westchester has organized a series of exciting events, collaborations, and opportunities for 2014–2015 under the umbrella, “The Year of Innovation.” The series kicks off this November with Global Entrepreneurship Week (GEW), a worldwide celebration of entrepreneurship and innovation that the WCA is bringing to Westchester, for the first time!

“The WCA’s ‘Year of Innovation’ celebrates the brightest minds and strategic thinkers in Westchester County,” says Marissa Brett, president, Westchester County Association.

“Our special programs address critical business issues, provide support to emerging companies, and feature the expertise of leaders who are accelerating growth in Westchester’s Innovation Economy and spurring economic development in the region.”

GEW-WCA 2014: AN ACTION-PACKED WEEK!

WCA GEW features experts in big data, biotechnology, healthcare, real estate, scientific research, funding, and entrepreneurship, who will share their experiences and insights, enabling attendees to learn, network, and be inspired.

Tuesday, November 18, 12:30 pm

TWITTER CHAT: MINING DATA FOR BETTER BUSINESS DECISIONS Led by John Lucker, Deloitte’s Global Advanced Analytics & Modeling Market Leader, the virtual Q&A will give businesses in Westchester and beyond a leg up on how to best use data to inform a company’s immediate next steps and strategic plans. Follow #WCAData to participate.

Tuesday, November 18, 5:30 pm

WCA’S $10K PITCH NIGHT Led by Christina Bechhold, co-founder and managing director of the Manhattan-based venture fund, Empire Angels, the evening is designed to help entrepreneurs take their ideas to the next level. Emerging companies will have the opportunity to hear from Bechhold, a regular contributor to the Wall Street Journal startup blog, The Accelerators, and to present their business plan to a panel of judges.

The winner will receive a $10K cash grant and automatic acceptance into Westchester’s BLUEPRINT Accelerator Network. Applications should be submitted by November 7 at westchester.org.

360 Hamilton Avenue, White Plains. Tickets are $20 per person. The event is sponsored by Silvers Sponsors: Greater Hudson Bank and Tompkins Mahopac Bank.

John Lucker, Deloitte

14

November 10, 2014

Christina Bechhold, Empire Angels

WCBJ

WCA’S YEAR OF INNOVATION:

COMING UP

WEDNESDAY, NOVEMBER 19, 11 AM–2PM

GLOBAL ENTREPRENEURSHIP WEEK AT-A-GLANCE

Be Inspired. Reach Higher. Get Involved!

WOMEN IN TECH AWARDS LUNCHEON Tappan Hill Mansion, Tarrytown The WCA will launch this new event to celebrate the successes of Westchester’s female technological and medical trailblazers. Our inaugural “Women in Tech” awards luncheon, held on Global Women’s Entrepreneurship Day, will provide an opportunity to hear from the women pioneering some of the world’s most important science, taking place in the heart of Westchester County. The honorees are responsible for engineering the CDC’s flu vaccine; researching new breast cancer treatments; discovering breakthroughs in cerebral palsy therapies; tackling drug-resistant viruses; and advancing DNA sequencing.

THE HONOREES ARE:

Twitter Chat: Mining Data for Better Business Decisions Tuesday, November18, 12:30 pm John Lucker, Global Advanced Analytics & Modeling Market Leader, Deloitte Follow #WCAData $10K Pitch Night, moderated by Christina Bechold, Empire Angels Tuesday, November 18 at 5:30 pm 360 Hamilton Avenue, White Plains Women in Tech Awards Luncheon Wednesday, November 19, 11 am Tappan Hill Mansion, Tarrytown WCA Leadership Dinner Thursday, November 20 at 5:30 pm Westchester Marriott 670 White Plains Road, Tarrytown

DORIS BUCHER, PH.D. Associate Professor of Microbiology and Immunology, New York Medical College

CHAU DANG,

M.D. Chief, West Harrison Medical Oncology Service, Memorial Sloan Kettering Cancer Center

KATHLEEN FRIEL, PH.D. Director, Clinical Laboratory for Early Brain Injury Recovery, Burke-Cornell Medical Research Institute

JULIA P. GREGORY Chief Executive Officer, ContraFect

SOO YOUNG YANG, PH.D. Founder, Chairman, Histogenetics

TICKETS are $110 for WCA members, and $130 for future members.

The event is sponsored by Gold Sponsor, Sterling National Bank, and Silver Sponsor, Tompkins Mahopac Bank.

Global Entrepreneurship Week culminates with the WCA’s signature event: the Annual Fall Leadership Dinner.

This year we honor four individuals for their vision, exceptional achievements in their respective industries, and for having a positive impact on the Westchester business community and the regional economy. And we hear from a business dynamo who will describe his battles with keeping manufacturing from heading overseas.

THURSDAY NOVEMBER 20 5:30 TO 9 PM

FALL LEADERSHIP DINNER

The honorees are William Cuddy, executive vice president, CBRE; Laura Forese, M.D., M.P.H. president, New York Presbyterian Healthcare System; Robert Glazer, chief executive officer, ENT and Allergy Associates; and Steven Safyer, M.D. President and CEO, Montefiore Health System.

This year’s keynote speaker is John D. Bassett, III, chairman of Vaughan-Bassett Furniture Company and subject of the New York Times bestseller, Factory Man, written by Beth Macy.

Mr. Bassett will offer his five principals of competing successfully in a global economy.

Save the Date!

INNOVATION WEEK/ HEALTH TECH ‘15 The WCA will host a number of events celebrating Westchester’s Innovation Economy next May 11–15, at Health Tech ’15.

Mark your calendars now!

HEALTH TECH ’15 For more information or to register for events:

westchester.org or call 914.948.6444

For more information on sponsorship opportunities for upcoming events, contact Laura Montopoli, lmontopoli@westchester.org

To join our growing list of sponsors, visit westchester.org or call 914.948.6444. Tickets for the dinner are $275 (WCA members) and $325 (future members). The evening includes a silent auction.

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November 10, 2014

15

INBRIEF BRONXVILLE MAN ACCUSED OF DEFRAUDING INVESTORS A 60-year-old Bronxville resident and former adjunct professor at Columbia Business School has been accused of defrauding about 30 investors who sank approximately $3 million into a startup software company.

Gregory Rorke was arrested at his Bronxville home on Oct. 31 by Federal Bureau of Investigation officers on securities and wire fraud charges involving his New York City company, Navagate Inc. On the same day, the Securities and Exchange Commission issued a cease-and-desist order against Rorke and Navagate, the company he co-founded and heads as CEO and principal owner. The SEC action could lead to civil penalties against Rorke and Navagate in addition to the two criminal charges brought by the U.S. Attorney’s Office for the Southern District of New York.

The SEC order described Rorke as “an experienced businessman” who since 1989 specialized in turning around financially distressed companies and building new businesses. In 2000 he formed G2X and in 2006 changed the company’s name to

Navagate, a business purportedly developing software to provide sales force automation to financial services organizations.

Federal prosecutors and SEC officials claim the scheme to defraud investors began in 2009, when Rorke hired a placement agent to help sell $2 million to $2.5 million in convertible notes. The amount to be raised increased to $3.25 million in 2011, according to the SEC. Navagate began defaulting on the notes in 2010, according to the SEC, but did not notify new investors of the defaults and raised another $2.2 million from the offering.

U.S. attorneys alleged Rorke gave investors a signed personal guarantee backed by a false financial statement indicating that he personally had at least $12 million in assets, including more than $1 million in cash, more than $5 million in “readily marketable securities” and a home worth $1.4 million. In fact, the most of the pledged assets were held solely by Rorke’s wife and the value of some were inflated, according to investigators.

While Rorke listed zero liabilities in his statements, by 2010 he owed about $1.8 million in unpaid federal taxes and penalties, according to the complaint filed in federal

court in Manhattan.

Pressed by investors demanding repayment and threatening lawsuits, Rorke in late 2012 forwarded to investors an email purportedly from a representative of Hong Kong Shanghai Bank Corp. indicating the bank had just signed a multimillion-dollar contract with Navagate for its software platform. Prosecutors claimed Rorke knew the email was “a complete fabrication.”

The court complaint said some of the 32 investors who bought Navagate notes were repaid either directly by Rorke or as a result of civil lawsuits. The company’s securities offering raised about $3 million from clients whose investments ranged from $25,000 to $500,000, according to prosecutors.

The securities and wire fraud charges each carry a maximum sentence of 20 years in prison and maximum fine of $5 million, or twice the gross gain or loss from the offense.

NY HEALTH & WELLNESS TO OPEN DEC. 1 IN HARRISON A new wellness center that will tackle the health problems associated with aging and weight loss will open in December.

Ground was broken recently on NY Health & Wellness at 450 Mamaroneck Ave.

in Harrison. The goal of the 6,000-squarefoot facility, set to open Dec. 1, is to “raise the wellness-consciousness” of women and men seeking to restore their energy, improve their level of fitness and nutrition, and achieve greater overall health and wellness.

“We’ve created an individualized fitness, nutrition and psychological program, to be based on each person’s own hormone levels, that will maximize and energize their vitality, virility and fitness levels,” said NY Health & Wellness founder Mitch Suss in a press release. “This will be accomplished by administering the proper nutrients, diet, supplements and vitamin therapy.”

The center will focus on “natural hormone optimization” — achieving natural hormone balance through supplementation and nutrition, weight loss management, expert nutritional testing and guidance, bioidentical hormone replacement, and the diagnosis and treatment of chronic illness and detoxification in a nonclinical setting, according to the press release. A treatment plan will be created for each individual that combines hormone and vitamin therapy, detoxification, holistic nutrition and stressreducing exercise.

The center’s medical team will be head-

The Greater Valley, Bridgeport, Stratford, Trumbull Chambers & Bridgeport Regional Business Council are joining forces to bring you the networking event of the season:

Come Together for Business Expo 2014 Businesses from Fairfield & New Haven Counties Exhibiting Products & Services

Tuesday, November 18th 12:30 pm – 6:30 pm Insports, 29 Trefoil Dr., Trumbull • FREE to Attend and FREE Ample Parking Business Builder Seminars presented by Luncheon featuring Cindi Bigelow, President & CEO, Bigelow Tea SustainabiliTea: The Right Thing to Do $30 members $40 all others.

Expo Networking Extravaganza presented by Sponsored By: Corporate Display Specialties, Curtiss-Ryan Honda, Union Savings Bank, Larry Janesky’s CT Basement Systems, Comcast, Great Event Decorations

Visit greatervalleychamber.com or brbc.org for complete details and to register today!

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Advertiser: Ad Name: Publication:

GVCC and BRBC Come Together for Business Expo 2014 Fairfield County Business Journal

Doctors — ed by Dr. Timothy Morley. The team also will include clinical nutritionist Jacqui Justice, who will design individualized nutrition programs aimed at reversing years of unhealthy dieting, and fitness and movement therapist Lisa Avellino.

PHELPS HOSPITAL AGREES TO JOIN NORTH SHORE-LIJ Officials at Phelps Memorial Hospital Center in Sleepy Hollow and the North Shore-LIJ Health System on Nov. 3 announced they have reached an agreement that will make Phelps the 18th hospital in the North ShoreLIJ metropolitan system and expand North Shore’s operations from New York City and Long Island into Westchester County.

The deal is expected to be approved this fall by the state Health Department.

Phelps directors announced last May that the 238-bed, 1,700-employee hospital was exploring joining North Shore-LIJ, the state’s largest private employer and largest integrated health care provider. The formal agreement, signed by North Shore-LIJ President and CEO Michael Dowling and Richard Sinni, Phelps board chairman, was previously approved by the boards of both hospitals.

With the North Shore-LIJ agreement

imminent, Phelps Memorial Hospital Center President and CEO Keith F. Safian last month announced he will resign from his position as of Nov. 30 after 25 years.

“As exciting as it is for North Shore-LIJ to move beyond its traditional service area of Long Island and the city of New York, the true beneficiaries of this new relationship will be the thousands of individuals and families in Westchester County who entrust their care to Phelps Memorial Hospital,” North Shore-LIJ’s Dowling said in a statement. “We are committed to strengthening and expanding the clinical services that Phelps provides, ensuring that the hospital will continue to fulfill its mission as a full-service community hospital.”

As part of the agreement, North ShoreLIJ said it will invest in infrastructure improvements and clinical program expansion at Phelps.

“We are excited to be joining an organization that shares our vision for care in the future and has the resources to help us achieve our goals,” Sinni said on behalf of the Sleepy Hollow hospital. “The partnership will ensure that Phelps will be able to continue to provide quality care to our community, now and in the future.”

— John Golden, Leif Skodnick and Bill Fallon

From page 7

Walsh is the executive medical director and CEO of Burke Rehabilitation Hospital in White Plains. She is also an associate dean and associate professor of clinical medicine at Burke’s academic affiliate, Weill Cornell Medical College and an assistant attending physician at New York City’s Hospital for Special Surgery.

“A lifetime achievement award is a truly special achievement, especially one recognized by your peers, and I’m truly grateful,” Walsh said. “I’ve been privileged to practice through the decades this specialty. Patients diagnosed early now rarely develop the severe disability and lessened life expectancy that was the rule” when she began practicing medicine.

Thomas Lee was recognized with the Leadership in Medical Advocacy Award, given to a physician who has provided exceptional leadership in the form of advocacy on behalf of the medical profession at the local, state or national level or has provided tireless volunteer time to help fellow physicians.

“I have worked with many, many other excellent doctors,” said Lee, who also holds an MBA. “Despite the many negative factors that have come up in the last few years in the medical profession, it’s still a noble profession and we’re proud to do what we do.”

A neurosurgeon who went to medical school at the University of California, Los Angeles, Lee’s practice is based in Tarrytown.

Augustine Moscatello of Westchester Medical Center was this year’s recipient of the Community Service Award, presented in recognition of a physician for outstanding

service to his or her community in providing free medical and patient care services for people in need — the underserved, homeless, uninsured or indigent.

“When you’re in a foreign country and you’re away from all your problems, you can give all your attention to the medical problems of the patient,” Moscatello said in his acceptance speech. “The feeling of joy is a gift, it’s a reward that no money can buy. You do it once, and you’re addicted to it for life.”

Moscatello serves as director of the department of otolaryngology and head and neck surgery at the Westchester Medical Center in Valhalla. He is also an associate professor at the New York Medical College.

This year’s Excellence in Medical Research Award, given in recognition of a physician whose ingenuity or clinical research significantly contributed to the advancement of medical practice, was given to William Bauman of the VA Medical Center in the Bronx.

Earlier this year, Bauman, along with colleague Ann Spungen, received the Samuel J. Heyman Science and Environment Medal for their work in improving the health care and quality of life of paralyzed veterans.

“My mother, who has been a practicing pediatrician for only 60 years, instilled in me a work ethic, and my father instilled in me a love of science,” Bauman said in his remarks at the event. Of his Rehabilitation Research & Development National Center of Excellence for the Medical Consequences of Spinal Cord Injury at the VA Hospital in the Bronx, Bauman said he and his colleagues are “very lucky to have the backing of the VA. I can’ think of another organization that would support us the way the VA has for the last 25 years.”

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November 10, 2014

17

THELIST: GOLF COURSES

WESTCHESTER COUNTY NEXT LIST: NOV.17

GOLF AND COUNTRY CLUBS

WESTCHESTER COMMERCIAL PRINTERS COUNTY

Listed alphabetically.

Name, address and phone number Area code: 914 (unless otherwise noted) Website

Apawamis Club

2 Club Road, Rye 10580 967-2100 • apawamis.org

Brae Burn Country Club +

39 Brae Burn Drive, Purchase 10577 761-8300 • braeburncc.org

Year course opened

Course type

1980

Private

1964

Holes

Par

Rating

Yards

Slope

Course designer(s)

Robert Schlingmann NA

18

72

72.8

6,547

138

Willie Dunn

Private

Steven Vando Paul Alexander

18

72

73.6

6,825

133

Francis J. Duane; renovated in 2000

by Ken Dye

Private

Josh Lowney Michael Mercadante

18

70

71.1

6,350

128

Albert Zikorus

1992

Public

Joseph Pica Mitchell Spearman

9

35

35.8

3,200

136

Robert von Hagge

1903

Municipal

Mike Belmont Jeffrey Bohr

18

70

67.4

5,778

118

NA

1925

Private

Jerry Schurhammer Peter Stefanchik

18

71

71.5

6,487

129

A.W. Tillinghast

1944

Private

David Smith Robert Sulton

18

71

70.1

6,313

128

Devereux Emmet

2004

Municipal

Joe Rafferty NA

18

71

73.7 black 71.0 green 68.0 blue 66.7 gold

6,935 black 6,323 green 5,755 blue 5,102 gold

139 black 129 green 126 blue 113 gold

Mark A. Mungeam

1894

Private

Mauro Piccininni Bob Miller

18

71

71.7

6,515

132

Lawrence Van Etten

2000

Public

NA Pat Sullivan

18

72

72.6

6,839

128

Stephen Kay and Doug Smith

1927

Municipal

Joe Rafferty Tom Avezzano

18

71

71

6,374

129

Tom Winton

1922

Private

Tracy Fraus Craig Thomas

18

70

72.2

6,628

134

Herbert Strong and A. W. Tillinghast

1926

Municipal

Steve Paonessa Max Galloway Scott Russell

18

70

70.1

6,558

124

Tom Winton

2008

Public

NA NA

18

72

76.1 black 73.8 oak 70.4 granite 67.6 sand

7,165

146 black 142 oak 140 granite 128 sand

Pete Dye

1984

Private

Todd Zorn Carlie Poole

18

72

73.2

6,734

133

Edward Ryder

1931

Municipal

Billy Casper Golf Charles Meola

18

69

70.2

6,293

122

Tom Winton

1911

Private

Tom Nevin David Young

18

70

71.7

6,547

133

Charles B. MacDonald and A. W. Tillinghast

1940

Municipal

NA Thomas W. Avezzano

18

70

69.3

6,110

122

Tom Winton

2002

Private

Cary Stephan Patrick Langan

18

72

71

7,291

129

Jim Fazio

1912

Private

John Assumma NA

18

70

71.1

6,398

128

Alfred H. Tull

1922

Private

Robert James John Kennedy

18

71 west 70 south

73.2 west 69.1 south

6,980 west 6,566 south

136 west 121 south

Walter Travis

1913

Private

Troon Privé Peter Waterous

18

70

70.2

6,300

127

Peter Clark

1923

Private

Colin A. Burns Sr. NA

18

72

73.4

6,664

137

A.W. Tillinghast

1898

Private

Robert Kasara Ben Hoffhine

18

72

73.1 blue 71.7 middle

6690 blue 6402 middle

140 blue 139 middle

Donald J. Ross, A. W. Tillinghast and Coore-Crenshaw

Brynwood Golf & Country Club

568 Bedford Road, Armonk 10504 273-9300 • brynewoodclub.com

1974

Doral Arrowwood +

975 Anderson Hill Road, Rye Brook 10573 844-214-5500 • doralarrowwood.com

Dunwoodie Golf Course +

1 Wasylenko Lane, Yonkers 10701 231-3490 • westchestergov.com

Elmwood Country Club +

850 Dobbs Ferry Road, White Plains 10607 592-6600 • elmwoodcc.org

Hampshire Country Club

1025 Cove Road, Mamaroneck 10543 698-4610 • hampshireclub.com

Hudson Hills Golf Course

400 Croton Dam Road, Ossining 10562 864-3000 • hudsonhillsgolf.com

Knollwood Country Club +

200 Knollwood Road Extension, Elmsford 10523 592-6182 • kccclub.org

The Links at Union Vale +

153 N. Parliman Road, LaGrangeville 12450 845-223-1000 • thelinksatunionvale.com

Maple Moor Golf Course +

1128 North St., White Plains 10605 995-9200 • westchestergov.com

Metropolis Country Club

289 Dobbs Ferry Road, White Plains 10607 949-4840 • metropoliscc.org

Mohansic Golf Course +

1500 Baldwin Road, Yorktown Heights 10598 862-5283 • westchestergov.com

Pound Ridge Golf Club +

18 High Ridge Road, P.O. Box 69, Pound Ridge 10576 764-5771 • poundridgegolf.com

Salem Golf Club +

18 Bloomer Road, P.O. Box 408, North Salem 10560 669-5485 • salemgolfclub.org

Saxon Woods Golf Course

315 Mamaroneck Road, Scarsdale 10583 231-3461 • westchestergov.com

Sleepy Hollow Country Club +

777 Albany Post Road, P.O. Box 9245, Scarborough 10510 941-8070 • sleepyhollowcc.org

Sprain Lake Golf Course

290 Grassy Sprain Road, Yonkers 10710 231-3481 • westchestergov.com

Trump National Golf Club

100 Shadow Tree Lane, Briarcliff Manor 10510 944-0900 • trumpnationalwestchester.com

Waccabuc Country Club +

90 Mead St., Waccabuc 10597 763-3144 • waccabuccc.com

Westchester Country Club +

99 Biltmore Ave., Rye 10580 967-6000 • wccclub.org

Westchester Hills Golf Club

401 Ridgeway, White Plains 10605 948-5020 • westchesterhills.org

Winged Foot Golf Club +

851 Fenimore Road, Mamaroneck 10543 698-8400 • wfgc.org

Wykagyl Country Club +

1195 North Ave., New Rochelle 10804 636-8700 • wykagylcc.org

Owner/general manager Golf pro

This list is a sampling of golf and country clubs that serve the region. If you wish your club to be included in our next listing, please contact Danielle Renda at drenda@westfairinc.com.

Note: Information collected from GolfLink.com and club websites. + Information from GolfLink.com, specifically on managers and golf pros, is subject to change.

NA Not available.

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St. John’s Riverside Hospital Congratulates

Dr. Thomas T. Lee

Chief of Neurosurgery on receiving the 2014 Doctor of Distinction Leadership In Medical Advocacy Award

Life Is Getting Better 914.964.4DOC

RiversideHealth.org

WHERE ARE YOU GOING TO BE IN 2015?

Consider Northern Westchester’s Home for the Serious and Casual Golfer Never been a member now is the time to join now for the 2015 season at the 2014 dues rate Family, Single and Weekday Membership Options Unique Introductory Young Executive Membership Program • Best value in Westchester • Never any assessments or sales tax on dues • Complete practice facility with short-game area • Active men’s and women’s golf schedule with no tee times • Family oriented programs

For Information Call Todd Zorn at 914-669-5485 toddz@salemgolfclub.org 18 Bloomer Road, North Salem, N.Y. 10560 www.salemgolfclub.org

WCBJ

November 10, 2014

19

Inaugural event to honor area’s top CPAs STAFF REPORT

I

t’s all about numbers and keeping businesses on the straight and narrow for certified public accountants.

“They are a very important part of the success of a business,” said Joseph B. McCoy, commercial lending team leader and senior vice president with People’s United Bank in White Plains. “Providing the assurances that the financial numbers are accurate is a large part of what helps a bank feel comfortable lending money to the company. Also the guidance and counsel they provide is what makes them a trusted partner for most companies.”

In an effort to shine a spotlight on the accounting profession, People’s United Bank joined with the Westchester County Business Journal to create an event to honor unsung heroes in the accounting profession.

Called Beyond the Bottom Line, the inaugural event will be held Nov. 17 at Manhattanville College, whose School of Business is the sponsor.

Out of nearly 40 nominations, winners were chosen in five categories: • Ahead of the Curve: Anthony Justic,

Maier Markey & Justic LLP. • Most Community Oriented: Frank Pellegrino, Pellegrino & Company LLP. • Top Accountant Under 40: Anson Augustine, Marcum LLP. • Most Trusted Adviser: Michael S. Hymes, Hymes & Associates CPA PC. • Best Managing Partner: Kevin Keane, O’Connor Davies LLP. Justic’s nomination form said in part that he “has earned his clients’ trust with his comprehensive technical knowledge of auditing and accounting principles and his thorough understanding of various business industries.”

Pellegrino supports the accounting club at Westchester Community College by speaking to the students about this career as well as the opportunities available in his industry.

Augustine became an accountant in 2003 after graduating from Fordham University. He later earned from the school an MBA in finance and information systems.

For Hymes, “His 34 years of putting his clients first and (becoming) their friend, mentor and adviser have helped to distinguish him,” his nomination said.

As a nominee, Keane was lauded for creating “an environment of transparency” at his firm where the “staff feels a partnership with the firm’s goals.”

The winners were chosen by a panel

“PROVIDING THE ASSURANCES THAT THE FINANCIAL NUMBERS ARE ACCURATE IS A LARGE PART OF WHAT HELPS A BANK FEEL COMFORTABLE LENDING MONEY TO THE COMPANY.” — Joseph B. McCoy of People’s United Bank

of judges: Larry Gottlieb, president and CEO of the Hudson Valley Economic Development Corp. in New Windsor; Mark G. Leeds, CFO of Win Properties Inc. in Rye

Brook; Eon S. Nichols, attorney with Cuddy & Feder LLP in White Plains; Don Albert Kiamie, president and CEO of Windsor Management Corp.

McCoy applauded the choice of winners.

“For our inaugural event I wasn’t sure how the process was going to play out,” he said. “The mix is good as you have large to small firms represented with the honorees and I think the judges did a great job in making their decisions. Hopefully this event will create enthusiasm for next year and the event will grow year over year.”

Dee DelBello, publisher of Westfair Communications Inc., said, “We are delighted to be partnering with People’s United Bank in honoring CPAs who are such a vital part of most businesses. People’s is indeed a bank for all people and from our company’s point of view our CPA is an invaluable partner in everything we do at the Journals. We have had personal experience with our CPA helping during challenging times and making good times even better.”

For more information on the event, contact Holly DeBartolo at hdebartolo@ westfairinc.com.

8TH ANNUAL Not For Profit Educational Leadership Summit

RENEW & REFRESH:

RE-ENGAGEMENT STRATEGIES FOR SUCCESSFUL NOT-FOR-PROFIT MANAGEMENT Monday, November 17, 2014 • 8:30am – 4:30pm • Westchester Marriott Hotel, Tarrytown, New York 10591 Highlights of the 2014 Educational Leadership Summit include:

Presented by:

Case Study Simulation & Competition: Join NFP leaders to identify solutions to real-life challenges such as Navigating Organizational Change, Board Development, Voices from the Field: a panel of industry and Donor Retention. experts will share their perspectives on the key Plus, compete in our own version of reality drivers of engagement in their agencies.

TV’s Shark Tank before a distinguished panel of NFP experts and potential donors!

Michael Brady, CEO Greyston Bakery, will provide a keynote presentation on successful leadership practices.

For more information about registration and sponsorship, contact Hospitality Resource Group at (914) 761-7111 or email jenna@hrginc.net

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SPECIAL REPORT BANKING

Sterling Bancorp will acquire Hudson Valley Bank for $539M

BY LEIF SKODNICK lskodnick@westfairinc.com

S

terling Bancorp will acquire Hudson Valley Bank in a $539 million stockfor-stock deal that will greatly expand its presence in Westchester County.

Headquartered in Yonkers, Hudson Valley Bank has 17 branches in Westchester County, including five in Yonkers, while Sterling National Bank has 26 branches in New York and New Jersey, including one on Executive Boulevard in Yonkers. The merger creates the 10th largest regional bank by deposits in the New York metropolitan area.

The combined company will operate under the Sterling Bancorp name and its principal banking subsidiary will continue under the name Sterling National Bank.

“The merger will create a $10 billion plus franchise serving small-to-middle market commercial clients and consumers in the dynamic New York metro region,” said Sterling Bancorp CEO Jack Kopnisky in a conference call announcing the deal.

“The merger brings us a scalable presence in the attractive Westchester market.

Hudson Valley Bank is the largest bank headquartered in Westchester County.”

Kopnisky emphasized the strong cultural fit between Hudson Valley and Sterling, noting that Hudson Valley focuses on the small and middle-market business segment and has developed long, loyal relationships with its clientele.

“Sterling’s commercial lending expertise will be complemented by Hudson Valley’s deposit products,” Kopnisky said.

“We will have strong liquidity to support robust lending activity.”

Sterling Bancorp merged with Provident New York Bancorp, of which Kopnisky was CEO, in 2013. After that transaction, the company kept the Sterling Bancorp name.

“We believe our progress to date in integrating and realizing the expected benefits of (the prior) merger and growing the resulting company bodes well for our ability to execute on the Hudson Valley merger and build value for our shareholders,” Kopnisky said.

Rumors of a merger between Hudson

Hudson Valley Bank has 17 branches in Westchester County, including this one at 40 Church St. in downtown White Plains.

Valley Bank and either Sterling Bancorp or Bridgeport, Conn.-based People’s United Bank were first reported by Bloomberg on Oct. 24. Just days later, the bank’s parent company, Hudson Valley Holding Corp., reported $3.3 million in earnings for diluted earnings per share of $0.16, up from $0.12 per diluted share in the second quarter.

“We’re excited about the strategic merger with Sterling Bancorp,” said Stephen R. Brown, president and CEO of Hudson Valley Bank and its parent Hudson Valley Holding Corp. “Our shared commitment to customer relationship-based banking has been a cornerstone for us both and will make the combined bank a powerful regional bank in the dynamic New York metro market.”

Under the terms of the deal, holders of Hudson Valley Holding Corp. common stock will receive 1.92 shares of Sterling Bancorp common stock per share of Hudson Valley.

The share exchange ratio represents an 18.4 percent premium over Hudson Valley Holding’s share price of $13.99 at the close of trading on Nov. 4. When the merger is complete, Sterling Bancorp stockholders will own approximately 69 percent of the stock of the combined company and Hudson Valley Holding Corp. stockholders will own approximately 31 percent.

The merged bank expects to consolidate about 10 locations and will consider moving its headquarters to Westchester County.

Hudson Valley Bank was founded in Yonkers in 1972 with an initial capitalization of $2.5 million. According to the bank’s website, the first branch was in a trailer on East Grassy Sprain Road. Currently, Hudson Valley Bank has more than $2.6 billion in assets.

Kopnisky will lead the merged bank, with Luis Massianim, Sterling Bancorp’s executive vice president and chief finan-

cial officer, continuing in that role.

Jefferies LLC is serving as lead financial adviser to Sterling Bancorp and rendered a fairness opinion to the board of directors of Sterling Bancorp in connection with the transaction. RBC Capital Markets LLC also rendered a fairness opinion to Sterling Bancorp’s board of directors. Wachtell, Lipton, Rosen & Katz is acting as Sterling’s legal counsel. Keefe, Bruyette & Woods Inc. is serving as financial adviser to Hudson Valley Holding Corp. and rendered a fairness opinion to the board of directors of Hudson Valley in connection with the transaction. Day Pitney LLP is acting as Hudson Valley’s legal counsel.

The merger, which is expected to close in the second quarter of 2015, remains subject to approval by shareholders of both corporations as well as government regulators.

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INBRIEF THE WESTCHESTER BANK TO MOVE HEADQUARTERS The Westchester Bank will relocate its headquarters from Yonkers to White Plains at the end of this year.

Jamie Schwartz, executive vice president of GHP Office Realty LLC in Harrison, said the bank signed a 15-year lease for 11,250 square feet of office space at 12 Water St. in White Plains.

Schwartz represented the bank in the deal. The owner, 12 Water Street Associates LLC, was represented in-house.

John Tolomer, president of The Westchester Bank, in a press release said the bank’s former headquarters space at 2001 Central Ave. in Yonkers will continue to operate as one of the bank’s four branches in the county and serve as a disaster recovery site.

Tolomer described the bank’s new Water Street headquarters as “state-of-the-art. The location of the building in the White Plain’s central business district as well as being walking distance to the Metro-North train station is the perfect location for the bank to retain and attract more talent to the bank, a key underpinning in continuing to be among the

fastest growing banks in America,” he said.

Schwartz said the Water Street space was the most cost-effective of the available office spaces searched in downtown White Plains.

The Westchester Bank also will have naming rights on the building, “which just wasn’t available anywhere else,” he said.

Norman DiChiara, principal of Norman DiChiara Architects PC in White Plains, will design the space.

In addition to its Yonkers office, The Westchester Bank has branches in White Plains, Thornwood and Mount Kisco.

KEYBANK NAMES NEW LEADER OF COMMERCIAL BANKING KeyBank officials in Tarrytown recently announced a change of leaders in the bank’s metropolitan New York and Hudson Valley market at the end of this year.

Richard M. Kulbieda, executive vice president and commercial banking team leader, will retire at year’s end, said Ruth Mahoney, president of KeyBank’s regional market, in a press release. He will be succeeded by Joseph F. Markey, former managing director with KeyBank Capital Markets and head of its New York City corporate banking team.

Markey, a senior vice president, assumes overall responsibility for the business development and management of the bank’s

regional market encompassing Westchester County and the mid- and lower Hudson Valley, New York City, southern Connecticut and New Jersey. The eight-county market has 57 KeyBank branches, 80 ATMs and nearly 400 employees.

Mahoney said Markey, a White Plains resident and native of Ridgefield, Conn., “is well respected for his ability to think strategically and build and lead motivated, highperforming teams. He knows the market very well and is perfectly suited to lead our commercial bank’s business development efforts throughout the Hudson Valley and metro New York areas.”

Markey joined Cleveland-based KeyCorp in 2002 as a senior commercial banker. He previously was senior vice president and director for Wachovia Securities in New York City, where he worked as a banker in the industrial and business services industry groups. Markey also worked at the Bank of New York and Daiwa Bank.

In a financial services career that spanned more than 30 years, Kulbieda joined KeyBank in 1992. He returned to KeyBank in 2005 after a brief stint as New York state president and CEO of Citizens Bank. Kulbieda previously was vice president for First American Bank and held positions with the former Marine Midland Bank and Bank of America.

Mahoney praised Kulbieda for “his ability

Joseph F. Markey

Richard M. Kulbieda

to contribute creative ideas and solutions” to bank clients and said his sales leadership “has helped Key stand out in a very competitive industry.”

— John Golden

TRUE BANKING FOR YOUR LOCAL BUSINESS Your banking relationship is an important part of how you choose to do business.

So consider the value of choosing a bank that’s part of your community. We’ve been partners with Lower Hudson Valley businesses for over 140 years. And we’re committed to knowing you and your business well enough to help you make the best financial decsions. PCSB understands how everyone benefits when local businesses are successful. It’s part of our local commitment.

We offer a full line of business banking products and services to make your job easier.

• Commercial Checking • NOW Account (Non-Profit) • Cash Management Services • A Variety of Savings Options • Construction Loans • Commercial Mortgages Make PCSB part of your team. It will be one of the best business decisions you’ll make.

Visit a local branch or call us at (845) 279-7101 www.pcsb.com

True Local. True Banking.

2477 Route 6, Brewster, NY 10509

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Other Locations: Fishkill • Jefferson Valley Kent • Mahopac • New City • Pawling Pawling Village • Somers • Yorktown

PCSB Customers Diane Farrell and Ed Galligan Owners of Carmel Flower Shop

BY JOHN TOLOMER

Why bank with a community bank?

C

ommunity banks offer a distinct advantage to consumers and small-to-midsize businesses compared to regional or multinational banks.

Community banks are able to deliver the same products and services offered by the largest financial institutions in the world with one key differentiator — community banks deliver those products in a highly personalized manner.

Take borrowing needs as an example.

Community banks make loan decisions locally and have highly skilled lending officers who live locally, have a keen appreciation of the community, understand local market conditions and are trained to explore ways to grant loans suitable for the customer and the bank.

Conversely, larger financial institutions have lending centers that are centrally located for their nationwide businesses.

What does that mean to you? It means your loan application is sent to another state for a credit decision, far from Westchester or Fairfield counties. Their size dictates a need to create an underwriting crite-

JOHN TOLOMER

ria for approval because they are simply not equipped to spend the time required to properly analyze each request. If your application meets the underwriting standard, you are approved; if it does not meet the minimum standard, you are declined.

It is a process devoid of personal contact and any meaningful dialogue between you

and the bank.

The contrast in process is clear. Do you want to build a partnership with a community bank that offers you all of the products and services needed and delivered in a highly personalized manner, or risk an underwriter from another state deciding what is best for you and your business? The financial crisis in 2008 and 2009 demonstrated just how important it is to be able to communicate with an individual locally, with a banker who understands and can react to your changing needs. Calling a big bank’s 800 number in hopes of reaching someone who may be in a position to help may not be what you need in today’s fluid business environment.

The combination of technological advancements at community banks and the financial meltdown helped community banks design a banking model that provides a customized, comprehensive approach to meet each customer’s banking needs. Community banks’ portfolios of depository and cash management products now include free online bill pay services,

remote deposit scanning, incoming and outgoing ACH services, and online banking for immediate account access to transfer funds between accounts or wire funds to another institution, or simply to review your bank account information.

At a community bank you have multiple bank contacts, from a lender to branch manager to cash management representative. The community bank wants to provide you with a written proposal for both credit and deposit/cash management requirements. It is a straightforward method to evaluate your current and future banking relationship.

If you seek a bank that offers all of the products and services you need and want them delivered in a highly personal manner, I recommend you “go local” and go with a community bank for your current or future needs.

John Tolomer is president and CEO of The Westchester Bank in Yonkers. He can be reached at jtolomer@twbusa.com or 914-4106265.

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November 10, 2014

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BY CHRIS JORDAN

Taking stock at a critical juncture

H

ere we go again.

Stocks have recently experienced higher levels of volatility over concerns of a slowing global economy and a potential change in the Federal Reserve’s monetary policy. It is big, weighty issues like this that cause anxiety and have many local investors questioning the path ahead.

This is especially true for workers thinking about retiring in the near future. As you get closer to your last working days, it’s nearly impossible not to worry when the news is peppered with stories of stocks plummeting. As you likely know, the markets react to a lot of different factors in the short term — some logical, some not so much. The difference between how individual investors fare versus how the markets 0630 ad_Layout 1 8/25/14 2:06 PM Page 1

includes defining your short-term, intermediate and long-term monies and apply some common sense. Naturally, “how much in each segment” requires some homework.

Thinking of being retired for potentially 30-plus years can paralyze even the bestintentioned person. Create a budget of your monthly expenses and break out what is fixed and what is discretionary. Then consider your immediate sources of income like Social Security and any pension or other income. Should you have a shortfall that must be compensated for with savings, you can create a one- to three-year reserve that includes very conservative accounts. This way you are drawing down on assets that are not likely to see the swings that your stock portfolio might be experiencing. Said

do over time is behavioral. By resisting the urge to react to short-term events and focusing on long-range goals, investors can avoid making some bad decisions.

The question — “What should I be doing with my money?” — is something advisers hear every day. In times of big swings it is critical to stay focused, informed and have a plan that makes sense for you individually.

One of the first things to consider is whether you are a long-term investor or a short-term trader. The vast majority of pre-retirees are long-term investors that have company 401(k) plans, pensions, home equity and Social Security benefits that all factor into determining a realistic strategy before leaving work behind.

If you are not a trader, create a plan that

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November 10, 2014

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another way, don’t sell while prices are down.

Asset allocation focuses on where your investments are but doesn’t consider when you need them. Once retired, you’ll need to consider how you’ll take money out of your accounts and why. Clearly, everyone’s circumstances are different, but by having a road map you can help avoid the big mistakes. During the 2008 financial crisis many long-term investors without a solid plan completely bailed on their stocks, selling into the decline. While it may have temporarily made some feel better, many missed the recovery. Trying to time the markets, or get in and out at the right time, is not something you can expect to do and neither can the experts.

While global growth may indeed be slowing, it is not tanking, either. Soon-tobe retirees need to realize that people are living longer. Therefore, the chance of outliving your money is a very real threat.

Inflation, health care costs and taxes must be considered, too. People need to recognize that with interest rates near historical lows, holding government bonds and certificates of deposit may not produce the needed yield.

Finding new ways to generate solid income without overreaching will be key.

Today there are more diversified and alternative strategies available within exchangetraded funds and mutual funds that provide a wider array of investments. Some options specifically seek to manage risk and others look to play into the inevitable changes in the markets. For example, investors might consider taking select risk in areas like high yield bonds that can potentially do well amid modest growth. Considering rising interest rates, investors could look at floating rate funds that can benefit from higher rates for a portion of a portfolio.

Stocks certainly aren’t cheap these days, but focusing on downside protection through high-quality global dividends can be attractive as you consider retiring.

Understanding your options and positioning your portfolio for slower growth is a smart step you can take right now. In the end, the market gyrations are here for the long haul, so make a plan that considers all these factors and when you need your money. A well-thought-out personal strategy will help you stay on track and feel more confident as you look forward to retiring.

Chris Jordan is president and CEO of Lexco Wealth Management Inc., the wealth advisory �irm he began in 1999 that now features a Tarrytown headquarters and 11 branch of�ices.

Contact the Tarrytown of�ice at 914-468-8900.

LETTER TO THE EDITOR

I

am writing on behalf of the board of directors of the Independent Bankers Association of New York State to express our concern regarding a public policy issue. Community banks, long the cornerstone of economic development in many of New York’s communities, are sandwiched between mega banks and credit unions. The expanded regulatory environment for banks rewards the size and scale of mega banks, while the credit unions compete based on their exemption from state and federal taxes.

The credit unions are aggressively pursuing expanded powers to become more like community banks, without the taxes.

A recent example of this strategy is provided by Gov. Andrew Cuomo’s signing of A.9037-A, legislation that authorized financial institutions to conduct savings promotions in the form of prize giveaways linked to savings accounts. Since community banks are prohibited by federal law from engaging in such programs, this will provide an unfair advantage to credit unions, which do not pay taxes, over local taxpaying community banks. Credit unions will be able to award prizes to members for savings.

The Legislature also passed another bill this year (A.9408/S.7112) that now awaits the governor’s action. We strongly urge him to veto this bill, as he vetoed similar legislation last year. The proposal would significantly expand state-chartered credit unions’ membership fields, far beyond the federal government’s qualifications and the “common bond” definition that has traditionally been used to determine membership in a credit union. The result would be that there would be an extremely minimal chance that an applicant for credit union membership would be denied.

Signature of this bill would effectively enable credit unions to accept members without any significant barrier or threshold. This is a dramatic change from the original credit union concept. Let’s remember that the credit union charter was granted by Congress to serve the needs of individuals of modest means who share a common bond.

Credit unions have increased their membership by more than 2 million in the last two years. In New York state, credit unions have 5,011,000 members — close

to one-quarter of the state’s entire population. New Yorkers are obviously not underserved by credit unions. Clearly, this new expansion is directed at expanding credit unions’ market share without expanding their tax burden.

This proposal would further exacerbate the already unfair marketplace and provide tax-exempt credit unions an even greater competitive advantage over local community banks that pay their fair share of taxes. Credit unions already pay no federal, state or local income taxes, virtually no sales tax and no MTA mobility tax — all of which banks pay as a cost of doing business. The new proposal would allow credit unions to grow beyond their historic mission and operate even more like taxpaying community banks — but without accepting the responsibility of paying taxes, or documenting that they are following the community reinvestment requirements mandated on banks by the CRA rules.

There is no public policy rationale for this expansion. It is simply based on the desire of credit unions to become even more competitive with community banks, and it is particularly designed to assist large credit unions that want the ability to expand their membership bases without significant restrictions.

The bill currently under consideration would also allow credit unions to expand their investment powers as well, with the unilateral authority of the superintendent of financial services. There is no such precedent for this with respect to other financial institutions. Indeed, the superintendent himself has never requested this authority. Appropriate investments for financial institutions have always been subject to the legislative process.

This bill would allow expanded investment in real estate for branches and other operations — at the same time when the financial services industry in general is undergoing a transformation of branches through consolidation and integrating technology.

In releasing the state’s community bank study last year, Governor Cuomo stated: “Community banks represent a strong economic engine that drives growth in New York and their performance is remarkable.

Small business is the engine of job growth and most small-business loans come not from the big national banks, but from community banks.”

We hope Governor Cuomo remembers those words, and we respectfully urge him to consider the consequences of this proposal and veto A.9408/ S.7112. Community banks feed local economies through commercial and residential loans. Credit unions don’t replace community banks

in the financial services marketplace.

Competition is one thing, but realignment of powers to make an already uneven playing field even more uneven is the wrong choice for New York, its communities and its taxpayers.

John J. Witkowski, President and CEO, Independent Bankers Association of New York State

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November 10, 2014

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Family-owned

BUSINESS AWARDS

R NOMINATIONS O F L L A C A Nominations are open from now through January 8.

To nominate, please visit westfaironline.com for instructions and nomination forms or call Holly DeBartolo at 914-358-0743.

AWARDS CELEBRATION

Fairfield County

FEBRUARY 5 Ø 5:30 P.M. THE WATER’S EDGE AT GIOVANNI’S, DARIEN, CT

Westchester County

FEBRUARY 12 Ø 5:30 P.M. THE GREENTREE COUNTRY CLUB NEW ROCHELLE, NY

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November 10, 2014

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Saluting the hardworking family entrepreneurs who have built successful businesses in Fairfield and Westchester Counties.

NOW’S YOUR CHANCE TO NOMINATE THAT SPECIAL FAMILY-OWNED BUSINESS YOU’VE WATCHED GROW AND GIVE BACK TO THE COMMUNITY. A distinguished panel of judges will choose three winners: one from a business with 1 to 50 employees, another from a business with 51 to 100 employees and the third from a business with more than 101 employees.

FACTS& FIGURES BANKRUPTCIES MANHATTAN 676 Associates Inc. P.O. Box 3945. New Hyde Park 11040.

Chapter 11, voluntary. Represented by Schuyler G. Carroll. Filed: Oct. 30. Case no. 14-12986-mg.

Beauty Beauty USA Inc. 747 Third Ave., 22nd floor, New York 10017. Chapter 7, voluntary. Represented by Richard H. Brynes. Filed: Nov. 5. Case no.

14-13043-rg.

Premiere Estates Inc.1470 First Ave., Apartment 11B, New York 10075.

Chapter 7, voluntary. Represented by Gabriel Katzner. Filed: Oct. 29. Case no.

14-12972-scc.

Sovereign Assets Ltd. c/o Gissin & Co. Advocates. 38 Habarzel St., Tel Aviv, Israel 69710. Represented by Michael S. Devorkin. Filed: Oct. 31. Case no. 14-13009.

POUGHKEEPSIE Neckles Builders Inc. 47 W. Old Farm Road, Hopewell Junction 12533.

Chapter 11, voluntary. Represented by Lewis D. Wrobel. Filed: Oct. 31. Case no.

14-37185-cgm.

WHITE PLAINS Starco 217 LLC. 5 Beaver Hollow Lane, Airmont 10952. Chapter 13, voluntary.

Represented by Starco 217 LLC. Filed: Nov. 4. Case no. 14-23544-rdd.

COURT CASES A.J.C. Trucking Inc. Filed by Thomas Gesualdi, Louis Bisignano, Anthony D’Aquila, Michael O’Toole, Michael Bourgal, Frank H. Finkel, Joseph A. Ferrara Sr., Marc Herbst, Denise Richardson and Thomas Corbett. Action: E.R.I.S.A. employee benefits. Attorneys: Jonathan Michael Bardavid, Gina Elyse Nicotera and Jonathan Michael Bardavid. Filed: Oct. 31.

Case no. 7:14-cv-08603-CS.

Items appearing in the Westchester County Business Journal’s On The Record section are compiled from various sources, including public records made available to the media by federal, state and municipal agencies and the court system. While every effort is made to ensure the accuracy of this information, no liability is assumed for errors or omissions. In the case of legal action, the records cited are open to public scrutiny and should be inspected before any action is taken.

Questions and comments regarding this section should be directed to: Bob Rozycki c/o Westfair Communications Inc. 3 Westchester Park Drive, Suite G7 White Plains, N.Y. 10604-3407 Phone: 694-3600 • Fax: 694-3680

Bayer HealthCare Pharmaceuticals Inc. Filed by Brittnie Riley. Action: diversity-product liability. Attorneys: John J. Driscoll and Laura Greene Lumaghi.

Filed: Nov. 3. Case no. 7:14-cv-08718-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Shannon Santiago. Action: diversity-product liability. Attorneys: John J. Driscoll and Laura Greene Lumaghi. Filed: Nov. 3. Case no. 7:14-cv08719-CS. The Dollywood Co. et al. Filed by Chatwal Hotels & Resorts LLC. Action: trademark infringement. Attorneys: Karl F. Milde Jr. and Robert William Morris.

Filed: Oct. 30. Case no. 7:14-cv-08679-VB. Embassy of U.S. Filed by Albert Lavin.

Action: federal question. Attorney not listed. Filed: Oct. 30. Case no. 1:14-cv08684-UA. The Estate of Anees Din. Filed by Massachusetts Mutual Life Insurance Co. Action: diversity-insurance contract.

Attorney: Steven Paul Del Mauro. Filed: Oct. 29. Case no. 7:14-cv-08628-CS. Goris Grocers Madison Ave. Filed

by Marie Bowman. Action: Americans with Disabilities Act of 1990. Attorneys: Adam Saul Hanski and Glen Howard Parker. Filed: Oct. 20. Case no. 1:12-cv09297-ER-JCF. HID Global Corp. et al. Filed by Chesapeake Capital Group Inc. Action: diversity-breach of contract. Attorney: Russell Marc Yankwitt. Filed: Oct. 31. Case no.

7:14-cv-08705-CS. K&C Limousines of New York LLC. Filed by Paula Allgood. Action: diversityaccounts receivable. Attorney: Robert D. Becker. Filed: Oct. 29. Case no. 1:14-cv08604-UA. New York Police Department. Filed

by Nickie Kane. Action: fed. question: other. Attorney not listed. Filed: Oct. 29.

Case no. 1:14-cv-08606-LAP.

ON THE RECORD

DEEDS Above $1 million 234 Hawley Road LLC, New York City. Seller: Glenn Greenberg, et al, South Salem. Property: 234 Hawley Road, North Salem. Amount: $1.3 million. Filed Oct. 30.

521 Forest Avenue Corp., Irvington.

Seller: Beverly E. Robben, Rye. Property: 521 Forest Ave., Rye. Amount: $1.2 million.

Filed Oct. 29.

Deutsche Bank National Trust Co. Seller: Dennis Edward Krolian, White Plains. Property: 6 Briscoe Road, Lewisboro. Amount: $1.5 million. Filed Nov. 3.

Metloft Bronxville LLC, Nyack. Seller: The Metropolitan Building Group LLC, Long Island City. Property: 759 Palmer Road, Yonkers. Amount: $7.8 million.

Filed Nov. 3.

Global Real Estate USA Inc., New York City. Seller: Rocco Volpe, et al, Harrison. Property: 84 Oakland Ave., Harrison.

Amount: $590,000. Filed Oct. 31.

Grace Terrace LLC, Scarsdale. Seller: The Bereshith Cultural Institute Inc., Mount Vernon. Property: 129 S. Fifth Ave., Mount Vernon. Amount: $450,000.

Filed Nov. 3.

Grace Terrace LLC, Scarsdale. Seller: The Bereshith Cultural Institute Inc., Mount Vernon. Property: 125 S. Fifth Ave., Mount Vernon. Amount: $450,000.

Filed Nov. 3.

JSFM Inc., Yonkers. Seller: 16 Banksville Corp., Bedford. Property: 16 Banksville Ave., North Castle. Amount: $600,000.

Filed Nov. 3.

May Ave Realty Corp., White Plains.

Seller: Gil Hauer Santos, New Rochelle.

Property: 1170 North Ave., New Rochelle.

Amount: $625,000. Filed Nov. 3.

Below $1 million

North County Equities LLC, Mount Vernon. Seller: Norbert Lucas, Yorktown Heights. Property: 2874 Curry St., Yorktown. Amount: $225,000. Filed Oct. 30.

1028 Real Estate Holdings LLC, Peekskill. Seller: City of Peekskill. Property: 1028 Main St., Peekskill. Amount: $75,000. Filed Oct. 30.

PGE Management Inc., North Salem.

Seller: Jean Ron, et al, Tarrytown. Property: 24 Central Ave., Greenburgh. Amount: $378,000. Filed Nov. 3.

382 Warburton LLC, Elizabeth, N.J. Seller: Yonkers Community Church of God Seventh Day Inc., Bronx.

Property: 394 Warburton Ave., Yonkers.

Amount: $645,800. Filed Nov. 3.

U.S. Bank N.A. Seller: David Gonzalez, White Plains. Property: 110 Valentine St., Mount Vernon. Amount: $233,750. Filed Oct. 29.

39 South Clinton Ave LLC, Hastingson-Hudson. Seller: Hildegarde K. Loveyjoy, Hastings-on-Hudson. Property: 39 S. Clinton Ave., Greenburgh. Amount: $350,000. Filed Oct. 29.

549 11th Ave Inc., Mount Vernon. Seller: Donald Taileur, et al, Mount Vernon.

Property: 549 11th Ave., Mount Vernon.

Amount: $120,000. Filed Oct. 30.

Putnam County Sheriff ’s Department. Filed by Nancy Mulligan. Action: 1983 Civil Rights Act. Attorney: David Touger. Filed: Oct. 30. Case no. 7:14-cv08646-VB.

BLM Realty Group LLC, Peekskill.

Seller: 11 South Broad Street LLC, Ossining. Property: 9-11 S. Broad St., Peekskill.

Amount: $625,000. Filed Oct. 30.

Walmart Stores East LP. Filed by Mary Mazza. Action: diversity-personal injury. Attorney not listed. Filed: Nov. 3.

Case no. 7:14-cv-08723-CS.

Deutsche Bank National Trust Co. Seller: Joseph Deroche, Putnam Valley.

Property: 43 Edgewood Road, Cortlandt.

Amount: $330,000. Filed Oct. 29.

Wells Fargo Insurance Services USA. Filed by Anne Webb, Keren Von Schmidt, Joan Dunner and Peter Memmesheimer. Action: diversity-account receivable. Attorneys: Jason Alex Storipan and David Edward Strand. Filed: Oct. 30.

Case no. 1:14-cv-08655-KPF.

Deutsche Bank Trust Company Americas. Seller: David Lacher, New Rochelle. Property: 2 Greendale Ave., Mount Vernon. Amount: $378,000. Filed Oct. 30.

Federal National Mortgage Association. Seller: Edward D. Loughman, New Rochelle. Property: 8 Adele Court, Cortlandt. Amount: $374,921. Filed Oct. 30.

Federal National Mortgage Association. Seller: Richard A. Roberts, White Plains. Property: 67 Cross Pond Road, Lewisboro. Amount: $268,960. Filed Nov. 3.

Wells Fargo Bank N.A. Seller: Catherine S. Allen, White Plains. Property: 63 S. Hillside Ave., Greenburgh. Amount: $792,733. Filed Nov. 3.

FORECLOSURES DOBBS FERRY, 18 Riverside Place.

Two-family; .15 acre. Plaintiff: Bank of America. Plaintiff ’s attorney: Fein Such & Crane LLP; 1400 Old Country Road, Westbury. Defendant: Joseph Marzella.

Referee: Clement Patti. Sale: Nov. 12, 9:30 a.m. Approximate lien: $612,118.83.

ELMSFORD, 151 Winthrop Ave. Single-family; .11 acre. Plaintiff: Wells Fargo Bank National Assoc. Plaintiff ’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Boulevard, Rochester.

Defendant: Dwayne Palmer. Referee: Joseph Ruggiero. Sale: Nov. 12, 10 a.m. Approximate lien: $375,255.02.

KATONAH, 49 High St. Two-family; lot size; N/A. Plaintiff: Wells Fargo Bank National Assoc. Plantiff ’s attorney: Rosicki & Rosicki & Assoc., 845-897-1600; 2 Summit Court, No. 301, Fishkill. Defendant: Timothy Eaton. Referee: Jerry Kebrdle.

Sale: Nov. 14, 9:30 a.m. Approximate lien: $564,233.56.

MONTROSE, 17-17A North St. Multiple purpose building; .24 acre. Plaintiff: Wells Fargo Bank National Assoc. Plaintiff ’s attorney: McCabe, Weisberg & Conway, PC, 914-636-8900; 145 Huguenot St., Suite 401, New Rochelle. Defendant: Edward Monks. Referee: Daniel Pagano.

Sale: Nov. 21, 9:30 a.m. Approximate lien: $446,676.00.

NEW ROCHELLE, 75 Lord Kitchener. Single-family; .36 acre. Plaintiff: Castle Peak 2012-1 Loan Trust. Plantiff ’s attorney: Sheldon May & Assoc., 516-7633200; 255 Merrick Road, Rockville Centre. Defendant: Errol Dennis. Referee: W. Whitfield Wells. Sale: Nov. 19, 9:30 a.m.

Approximate lien: $1,245,828.19.

NEW ROCHELLE, 2207 North Ave. Single-family; .31 acre. Plaintiff: U.S. Bank National Assoc. Plaintiff ’s attorney: Gross Polowy LLC; 25 Northpointe Parkway, Amherst. Defendant: Kenneth Shashova. Referee: Christopher Meager.

Sale: Nov. 10, 9:30 a.m. Approximate lien: $1,577,313.05.

POUND RIDGE, 24 Bayberry Way. Single-family; lot size; N/A. Plaintiff: Deutsche Bank National Trust Co. Plaintiff ’s attorney: Stiene & Assoc., 631935-1616; 187 East Main St., Huntington.

Defendant: Jorge Rueda. Referee: Guy Parisi. Sale: Nov. 19, 11 a.m. Approximate lien: $670,965.77.

RYE, 205 Polly Park Road. Singlefamily; lot size; N/A. Plaintiff: JP Morgan Chase Bank NA. Plaintiff ’s attorney: Shapiro, DiCaro & Barak, 8-77-759-1835; 175 Mile Crossing Boulevard, Rochester.

Defendant: Barbara Bzura. Referee: John Guttridge. Sale: Nov. 19, 9 a.m. Approximate lien: $2,120,597.70.

SOMERS, 47 Deans Bridge Road. Single-family; .93 acre. Plaintiff: HSBC Bank U.S.A. National Assoc. Plaintiff ’s attorney: McCabe, Weisberg & Conway PC, 914636-8900; 145 Huguenot St., Suite 401, New Rochelle. Defendant: Eung Jinkim.

Referee: Carla Glassman. Sale: Nov. 21, 10 a.m. Approximate lien: $392,953.74.

WHITE PLAINS, 4 Granada Crescent, No. 4-13. Condominium; lot size; N/A. Plaintiff: Board of Managers of Granada Condominium III. Plaintiff ’s attorney: Isabell Becker LLC, 845-6343696; 49 Maple Ave., New City. Defendant: Valerie Watson. Referee: Anthony Maccarini. Sale: Dec. 1, 11 a.m. Approximate lien: $7,797.75.

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YONKERS, 7 Jones Place. Walkup apartment; .11 acre. Plaintiff: U.S. Bank National Assoc. Plaintiff ’s attorney: Jason Nagi Polsinelli PC, 212-684-0199; 900 Third Ave., New York. Defendant: Juleanj Inc. Referee: Linda Markowitz. Sale: Nov. 14, 10:30 a.m. Approximate lien: $793,327.74.

YORKTOWN HEIGHTS, 2707 Quaker Church Road. Single-family; .46 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Gross Polowy LLC; 25 Northpointe Parkway, Amherst. Defendant: Louis Millan. Referee: Robert Alan Hufjay. Sale: Nov. 18, 9:30 a.m. Approximate lien: $510,098.71.

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November 10, 2014

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NEWSMAKERS [PLUS AWARDS AND EVENTS] ARC PROMOTES TWO STAFFERS Tibisay (Tibi) Guzmán and Nancy Patota of Arc of Westchester have been promoted to associate executive director/chief operating officer and Arc foundation executive director, respectively. They will replace Thomas Hughes and Anne Sweazey, who have retired. The Arc of Westchester is the oldest and largest agency in the county serving children, teens and adults with intellectual and developmental disabilities, including individuals on the autism spectrum and their families Executive Director Ric Swierat announced the change in the newly expanded associate executive director/COO position, saying, “Tom Hughes made a tremendous contribution over his 28 years as associate executive director. While we are sad to see him go, we are very fortunate to have Tibi, who was already in a leadership position, ready to take on the growing challenges.”

Guzman has been an Arc of Westchester employee for nearly 10 years, and during the past four years she has overseen the expansive team responsible for day and community services for more than 900 individuals who receive daily support and ser-

KLAFF’S GIVES $20,000 TO LOCKWOOD-MATHEWS

Nancy Patota

Tibisay (Tibi) Guzmán

vices from Arc. In her new role, Guzmán will be responsible for supervising all agency services and managing all financial, human resources and facilities functions for the 2,000 individuals served by Arc of Westchester. She will continue to guide the evolution of the services and programs into a strongly supported community presence in Westchester.

Foundation Board President Larry McNaughton announced the retirement of Anne Sweazey, the first executive director of the Arc of Westchester Foundation, earlier in the year. An extensive search for

Sweazey’s replacement concluded with the appointment of Patota to this position.

In her new role, Patota will be responsible for all fundraising activities and initiatives that support the agency’s wide range of services and programs. Prior to joining Arc of Westchester, Patota served as assistant vice president, advancement services, prospect strategy and budgets at Iona College. She will remain an adjunct professor for the Iona College MBA program, currently teaching graduate level courses in human resources management and organizational behavior.

NATURAL MARKETS FOOD GROUP NAMES GENERAL COUNSEL Natural Markets Food Group, parent company of Mrs. Green’s Natural Market, Richtree Natural Market Restaurants and Planet Organic Market, has named Laura Alemzadeh as its general counsel and vice president.

Alemzadeh most recently served as general counsel of Kawasaki Rail Car Inc., overseeing all of legal, corporate, and communication matters for the global transportation leader. She is an active member of Westchester County’s business and legal community, and is also a resident of Irvington.

“We are proud to welcome Laura to our family. Natural Markets works hard to make our stores feel like home — for both our associates and our customers. Laura will help us accomplish that goal,” Natural Markets Food Group CEO Pat Brown said.

“Natural Markets Food Group was a natural fit, as the company embodies all the values that are core to leading a green life. I am proud to join the Natural Markets family and help them grow a business that’s good for customers, community and the earth,” Alemzadeh said.

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November 10, 2014

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Laura Alemzadeh

From left, Susan Gilgore, LMMM executive director; Joseph Passero, Klaff’s chairman and chief operating officer; and Patsy Brescia, LMMM chairwoman. Photo courtesy Lockwood-Mathews Mansion Museum

Klaff ’s, a resource of home design in the region with a store in Scarsdale and headquartered in Norwalk, Conn., has donated $20,000 to the Lockwood-Mathews Mansion Museum in Norwalk, the proceeds from

the recent Klaff ’s Jerry Levine Charity Golf Outing.

“We are proud to support this National Historic Landmark and its mission,” said Joe Passero, Klaff ’s chairman and COO and museum trustee.

FORMER HEAD OF SECURITY AGENCY HONORED AT FIDF EVENT More than 130 prominent lay leaders and members of Friends of the Israel Defense Forces from across Westchester attended the FIDF Westchester/Connecticut chapter’s annual fundraiser recently at the home of Ellen and Rabbi Peter Weintraub in Scarsdale.

The event paid tribute to Israel’s soldiers and honored Avi Dichter, chairman of the Foundation for the Benefit of Holocaust Victims in Israel and former IDF soldier. Dichter, the son of Holocaust survivors, served in the IDF’s elite commando unit, Sayeret Matkal, and then served as director of Shin Bet (Israel’s Security Agency) from 2000-2005.

Dichter is credited with restructuring the Shin Bet, leading to a dramatic reduction in the

number of terrorist attacks and to a restoration of public morale and safety. As minister of public safety, Dichter formed the new modus operandi of signal intelligence (SIGINT) for the Israeli Police. He was a member of the Knesset from 2006-2012 and was chairman of the subcommittee for security conception and power building. As a minister, Dichter was a member at the inner security cabinet until the 2013 elections. He has been a research fellow at the Brookings Institute in Washington, D.C. Weintraub is an FIDF National board member, Westchester committee member and longtime supporter of FIDF. He is the owner of Bristol Tex, a textile company that manufactures bedding to top companies.

SUPER LAWYERS RECOGNIZES FOUR FROM KEANE & BEANE

environmental law and real estate; and Steven A. Schurkman in the areas of estate planning and probate.

No more than 5 percent of the lawyers in the state are selected by Super Lawyer, a Thomson Reuters rating service of outstanding lawyers in more than 70 practice areas

THE AFRICAN AMERICAN CHAMBER OF COMMERCE OF WESTCHESTER AND ROCKLAND COUNTIES IS SCHEDULED TO HOST ITS 17TH ANNIVERSARY AWARDS DINNER at 6 p.m. at the Westchester Manor, 140 Saw Mill River Road (Route 9A), Hastings-on-Hudson, with a cocktail reception followed by the awards and dinner at 7 p.m. Local political and business leaders will be honored for their contributions to the AfricanAmerican business community. For more information and to buy dinner tickets, visit AACCNYS.org.

NOV. 21

Four members from Keane & Beane PC have been named to the Metro Super Lawyers list as top attorneys in New York for 2014. They are: David Glasser in the areas of estate planning and probate, Richard L. O’Rourke in the area of land use and zoning; Joel H. Sachs in the areas of

Joel H. Sachs

WHITE PLAINS HOSPITAL WILL HOLD AN INFORMATIONAL SYMPOSIUM TITLED “NAVIGATING A CANCER DIAGNOSIS: WHAT YOU NEED TO KNOW NOW” from 7 to 8:30 p.m. at the Scarsdale Public Library, 54 Olmsted Road. The symposium is intended to inform patients and family members who have been affected by cancer about treatment, support, research and financial resources available to them in the community. Refreshments will be provided. Advanced registration is requested. For more information and to register, call 914-681-1119.

NOV. 20

Richard L. O’Rourke

NOV. 13

David Glasser

DATES

WHITE PLAINS HOSPITAL IS PARTNERING WITH THE LUSTGARTEN FOUNDATION TO HOST A PANCREATIC CANCER SYMPOSIUM to promote awareness and early detection of the disease from 11:30 a.m. to 1:30 p.m., at Gilda’s Club, 80 Maple Ave. in White Plains. Pancreatic cancer remains one of the deadliest cancers with a five-year survival rate of 6 percent. Lunch will be provided. To register, call 914-681-1119.

Steven A. Schurkman

who have attained a high degree of peer recognition and professional achievement. The annual selections are made using a process that includes a statewide survey of lawyers, an independent research evaluation of candidates, and peer reviews by practice area.

NEW STAFF AND PROMOTIONS AT WESTCHESTER CHILDREN’S ASSOCIATION

Maureen Natkin

Sarah Yergeau

Anna Wright

Westchester Children’s Association (WCA) in White Plains, which is one of the oldest children’s advocacy organizations in the United States, has made the following appointments: Maureen Natkin of Irvington has joined the association as development and administrative assistant. She is a graduate of Dartmouth College, where she earned her Bachelor of Arts degree in Russian studies and she holds a master’s degree in international affairs from Johns Hopkins School of Advanced International Studies.

Sarah Yergeau of Greenburgh has been promoted to the position of program and policy associate. She is responsible for a number of WCA’s program initiatives, including mobilizing advocacy partners, monitoring legislation to assess the impact on children and youth and managing WCA’s social media presence to engage online advocates for children. Yergeau is a graduate of Union College where she received a Union College Minerva Fellowship and spent nine months working at a health clinic in Uganda prior to

joining WCA in 2012.

Anna Wright of Mount Vernon has been promoted to the position of research and communications associate. She will support the collection, analysis and presentation of data for the organization’s “Children by the Numbers” blog, a go-to resource for many advocates and policy makers. Wright is a graduate of Houghton College, where her studies included an immersive internship experience with a local community center in Bosnia-Herzegovina.

NYC ELDER LAW FIRM EXPANDS TO WESTCHESTER The elder law practice of Lamson & Cutner PC, located in midtown Manhattan, has announced the opening of an office at 84 Calvert St. in Harrison, next to the train station.

“The addition of this office is designed to better and more

efficiently serve the needs of our firm’s clients from Westchester, Rockland and other northern New York counties, as well as new clients who may find it more convenient to visit us locally,” said David Cutner, the co-founder of Lamson & Cutner.

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

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November 10, 2014

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FACTS & FIGURES JUDGMENTS A-Val Architectural Metal Corp., Mount Vernon. $60,913 in favor of Stainless Tubular Products LLC, Monroe, N.J. Filed Oct. 29.

All Door and Garage Inc., Elmsford. $1,500 in favor of Empire State Builders and Contractors, White Plains. Filed Oct. 27.

B and R Pizza Corp., Yonkers. $17,403 in favor of Staffard Garson Properties LLC, Yonkers. Filed Oct. 27.

Exceptional Imagine LLC, Yonkers. $43,417 in favor of North Star Leasing Co., Burlington, Vt. Filed Oct. 30.

GHMC Holding Company Inc., White Plains. $37,420 in favor of Rochester Home Builders Associates Inc., Rochester. Filed Oct. 27.

NYCT Contracting Ltd., Goldens Bridge. $26,393 in favor of Peter Gisondi and Company Inc., White Plains. Filed Oct. 28.

Superior Vending Services Inc., Mount Vernon. $1,025 in favor of Workmens Circle Home and Infirmary, Bronx.

Filed Oct. 29.

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

29 North Road LLC, et al. Filed by Ramgallon LLC. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 29 North Road, White Plains. Filed March 12.

Aguilar, Mauricio, et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $325,000 affecting property located at 10 View St., White Plains 10607. Filed March 14.

Arias, Julia, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $408,000 affecting property located at 29 Hawkes Ave., Ossining 10562. Filed March 13.

Cammarota, Peter, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 108 Munson St., Port Chester 10573. Filed March 12.

Cassimatis, Gregory P., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $400,000 affecting property located at 145 Hillair Circle, White Plains 10605.

Filed March 13.

D’Ambrosio, Ronald, et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $414,000 affecting property located at 733 Midland Ave., Yonkers 10704. Filed March 13.

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November 10, 2014

Douglas, Elizabeth, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $483,000 affecting property located at 250 S. Columbus Ave., Mount Vernon 10553. Filed March 12.

Fotiadis, Harry A., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 159 Park Ave., Eastchester 10709. Filed March 17.

Furtado, Joy, individually and as voluntary administratrix of the estate of Howard Ulrich, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $455,000 affecting property located at 9 Lincoln Ave., Pleasantville 10570. Filed March 13.

Graetz, Beatriz M., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $203,150 affecting property located at 252 Stuart Drive, New Rochelle 10804.

Filed March 14.

Grigsby, Les, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $366,950 affecting property located at 19 Hudson Watch Drive, Ossining 10562. Filed March 12.

Jovanovic, Bozidar, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $740,000 affecting property located at 56 Clinton Ave., Rye 10580. Filed March 17.

Kellawon, Gary B., et al. Filed by Federal Home Loan Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $317,000 affecting property located at 16 Patterson Court, Peekskill 10566.

Filed March 12.

Kim, Keunwoo, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $551,200 affecting property located at 18 Redwood Drive, Somers 10589. Filed March 13.

Lewis, Cornelius, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $262,500 affecting property located at 70 Dobbs Ferry Road, White Plains 10607. Filed March 13.

Liranzo, Aaron, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $294,473 affecting property located at 10 Delano Ave., Yonkers 10704. Filed March 12.

Lopez, Santos, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $408,000 affecting property located at 54 Morningside Ave., Yonkers 10703.

Filed March 14.

McCandless, Michael E., et al. Filed

by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $528,000 affecting property located at 68 Park Ave., Harrison 10528.

Filed March 12.

Milanese, Richard G., et al. Filed by Capital One N.A. Action: seeks to foreclose on a mortgage to secure $85,000 affecting property located at 1919 Maple Hill St., Yorktown Heights 10598. Filed March 17.

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Misch, Nicholas, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $214,081 affecting property located at 25 Cayuga Drive, Peekskill 10566. Filed March 13.

Montgomery, James O. Jr., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 102 Frederic St., Yonkers 10703.

Filed March 17.

Moshe, Elaine S., individually and as trustee for the Elaine S. Moshe 2004 Revocable Trust, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $315,000 affecting property located at 786 Pelhamdale Ave., New Rochelle 10801. Filed March 12.

Naccari, Frank, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $480,000 affecting property located at 52 Nepperhan Ave., Elmsford 10523. Filed March 12.

Ortiz, Pablo, et al. Filed by Kondaur Capital Corp. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 188 Mountaindale Road, Yonkers 10710.

Filed March 17.

Petriello, Rosa Maria, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $436,000 affecting property located at 6 Salvatore Circle, Mount Kisco 10549. Filed March 13.

Pharr, Pauline, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $324,800 affecting property located at 22 Polk Place, White Plains 10603. Filed March 14.

Pisano, Barbara E., et al. Filed by FV-1 Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 32 Empire St., Yonkers 10704. Filed March 14.

Preston, Lisa, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 101 Sunfish Landing, Mohegan Lake 10547.

Filed March 12.

Ramirez, Rosa, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 124 Dale Ave., Cortlandt Manor 10567. Filed March 14.

Ramos, Karen L., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 129 Madison St., Mamaroneck 10543. Filed March 14.

Ricciardi, Anthony, individually and as administrator of the estate of Pasquale Ricciardi, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $70,000 affecting property located at 66 Virginia Place, Yonkers 10703. Filed March 13.

Rosenberg, Evan, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $344,000 affecting property located at 43 Lake Way, Purdys 10578. Filed March 14.

Smithwrick, Haywood E., et al. Filed

by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $118,000 affecting property located at 666 S. Seventh Ave., Mount Vernon 10550. Filed March 17.

Vasquez, Ivette M., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 1406 Chadwick Court, Tarrytown 10591.

Filed March 13.

Waller, Denise B., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $234,400 affecting property located at 632 Kissam Road, Unit J2, Peekskill 10566. Filed March 13.

Wilsea, Eugene H. III, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $425,000 affecting property located at 37 Forest Court, Yorktown 10598. Filed March 13.

MECHANIC’S LIENS Esplanade of White Plains, as owner. $75,807 as claimed by CP and Associates Construction Corp., New York City. Property: in White Plains. Filed Oct. 28.

Hochman, Stephen A., as owner. $23,444 as claimed by Singer Holder Corp., Elmsford. Property: in Greenburgh. Filed Oct. 28.

Kovacs, Laura N., et al, as owner. $10,000 as claimed by Lopardo Construction Inc., Carmel. Property: in Rye. Filed Oct. 30.

Masters School, as owner. $190,691 as claimed by Kingston Block and Masonry Supply, Kingston. Property: in Greenburgh. Filed Oct. 30.

Millwood NS Inc., as owner. $28,000 as claimed by Macedo Construction Inc., Ronkonkoma. Property: in New Castle.

Filed Oct. 28.

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

Partnerships Laxolo�y, P.O. Box 1012, Yorktown Heights 10598, c/o Jeremy Arcaro and James DiPietrantonio. Filed June 25.

Sole Proprietorships Ann Avacce London, 70 Virginia Road, No. 12D, North White Plains 10603, c/o Beverley Olivacce. Filed June 24.

BG Fitness, 976 Broadway, Thornwood 10594, c/o Ellen Barbara. Filed June 24.

Carol E. Stella, 1419 Hanover St., Yorktown Heights 10598, c/o Carol E. Stella.

Filed June 24.

Godaddyusedtextbooks.com, 111 Bruce Ave., Apt. 2A, Yonkers 10705, c/o Jocelyne Martin. Filed June 24.

Hacienda Azteca Deli, 260 Saw Mill River Road, Elmsford 10523, c/o Lucila Garita. Filed June 25.

Invitation Only NYC, 115 Primrose Ave., Mount Vernon 10552, c/o Chazine Alexia Bartley. Filed June 24.

Jarrin Images, 85 Marquand Ave., Bronxville 10708, c/o John Jarrin. Filed June 24.

Johnny The Barber, 19 E. Main St., Elmsford 10523, c/o John Zacchio. Filed June 24.

Just For Pits, 215 Edwards Place, No. 3, Yonkers 10703, c/o Evelyn Ruiz. Filed June 25.

King’s Contracting Home Improvement, 33 S. Kensico Ave., White Plains 10601, c/o Edson A. Reyes. Filed June 24.

Lelex Consulting, 38 Independence St., Tarrytown 10591, c/o Brian Cooney.

Filed June 25.

Old Bet Farms Market, 261 Route 202, Somers 10589, c/o Laura-Ann Habal.

Filed June 24.

Reading By Trish, 112 Bedford Road, Pleasantville 10570, c/o Patricia Villani.

Filed June 24.

Sinda Island Safari Tours and Travel, P.O. Box 362, Elmsford 10523, c/o Lusseke Lusse. Filed June 25.

TAR Contracting, 24 Pineview Road, Mount Kisco 10549, c/o Todd Rappoport. Filed June 24.

Taste Gourmet Deli and Catering, 265 Route 202, Somers 10589, c/o Susan Dinardo. Filed June 24.

Ulikee Catering, 20 E. Third St., Mount Vernon 10550, c/o Rohan Jackson. Filed June 25.

Z. Excellent Co., 13-15 Harmon St., White Plains 10606, c/o Vandel T. Zephir.

Filed June 24.

PATENTS Apportioning summarized metrics based on unsummarized metrics in a computing system. Patent no.

8,881,156 issued to Roy A. Catterall, Riverton, Australia and Stephen J. Yates, Beaconsfield, Australia. Assigned to International Business Machines Corp., Armonk.

Authorizing computing resource access based on calendar events in a networked computing environment. Patent no. 8,881,244 issued to Kulvir S. Bhogal, Pflugerville, Texas; Lisa Seacat DeLuca, San Francisco, Calif; and Robert R. Peterson, Austin, Texas. Assigned to International Business Machines Corp., Armonk.

Automated detection of flaws and incompatibility problems in information-flow downgraders. Patent no. 8,881,300 issued to Marco Pistoia, Amawalk; Takaaki Tateishi, Kanagawa, Japan; Stephen D. Teilhet, Milford, N.H.; and Omer Tripp, Har-Adar, Israel. Assigned to International Business Machines Corp., Armonk.

Constant time worker thread allocation via configuration caching.

Patent no. 8,881,159 issued to Alexandre E. Eichenberger, Chappaqua and John K.P. O’Brien, South Salem. Assigned to International Business Machines Corp., Armonk.

Load balancing in network-based telephony applications. Patent no.

8,881,167 issued to Arun Kwangil Iyengar, Yorktown Heights; Hongbo Jiang, Cleveland, Ohio; Erich Miles Nahum, New York; Wolfgang Segmuller, Valhalla; Asser Nasreldin Tantawi, Somers; and Charles P. Wright, Cortlandt Manor. Assigned to International Business Machines Corp., Armonk.

Managed video services at edgeof-the-network. Patent no. 8,881,220 issued to Vijay Arya, Bangalore, India; Malolan Chetlur, Bangalore, India; Patha Dutta, Bangalore, India; Shivkumar Kalyanaraman, Bangalore, India; and Anand Seetharam, Amherst, Mass. Assigned to International Business Machines Corp., Armonk.

Methods, computer systems and physical computer storage media for managing resources of a storage server. Patent no. 8,881,165 issued to David D. Chambliss, Morgan Hill, Calif.; Lei Liu, Tucson, Ariz.; William G. Sherman, Tucson, Ariz.; and Rui Zhang, San Francisco, Calif. Assigned to International Business Machines Corp., Armonk.

Scheduling a parallel job in a system of virtual containers. Patent no.

8,881,168 issued to Norman Bobroff, Katonah; Liana Liyow Fong, Irvington; Yanbin Liu, New Haven, Conn.; and Seetharami R. Seelam, Yorktown Heights.

Assigned to International Business Machines Corp., Armonk.

Speculative thread execution with hardware transactional memory.

Patent no. 8,881,153 issued to Mark E. Giampapa, Irvington; Thomas M. Gooding, Rochester, Minn.; Raul E. Silvera, Ontario, Canada; Kai-Ting Amy Wang, Ontario, Canada; Peng Wu, Rochester; and Xiaotong Zhuang, White Plains. Assigned to International Business Machines Corp., Armonk.

System for preventing unauthorized acquisition of information and method thereof. Patent no. 8,881,298 issued to Sanehiro Furuichi, Tokyo, Japan; Yuriko Sawatani, Tokyo, Japan; Masana Murase, Yokohama, Japan; and Taskuku Otani, Kawasaki, Japan. Assigned to International Business Machines Corp., Armonk.

FACTS & FIGURES Blue Rooster Development Inc., Nyack. Seller: MBBRIV LLC, Middletown. Property: in Middletown. Amount: $340,000. Filed Oct. 28.

Highground Realty LLC, Mahwah, N.J. Seller: Dysinger Enterprises LLC, Chester. Property: 12 Industrial Ave., Goshen.

Amount: $154,900. Filed Oct. 28.

Third Generation Homes LLC, Pine Bush. Seller: Stephanie Veiga, Walden.

Property: in Walden. Amount: $45,000.

Filed Oct. 31.

19 Getzil 301 Corporation 1, Monroe. $271 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 4.

NY Smoke N Stuff Inc., Chester. $2,242 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Aug. 4.

Board of Managers of Vista on the Lake Condominium, Bedford. Seller: Joan Iacono, Carmel. Property: 510 Vista on the Lake, Carmel 10512. Amount: $48,683. Filed Oct. 14.

JMP Development LLC, Mahopac.

Seller: 84 Interstate Business Park Inc., Brewster. Property: 25 Zimmer Road, Brewster 10509. Amount: $425,000.

Filed Oct. 24.

Turk Real Estate Holdings LLC, Highland. Seller: Alfred Tropea, et al, Yonkers. Property: Tuckers Corner Road, Highland 12528. Amount: $120,000. Filed Oct. 24.

Ale RMC Inc., High Falls. $981 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3.

Olass On-Line Applications Software and Systems Inc., Bearsville. $529 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3.

Lanwin Forest Ridge LLC, Cornwallon-Hudson, as owner. Lender: Lot 3 FR Associates LLC, Cornwall-on-Hudson.

Property: in Newburgh. Amount: $332,000. Filed Oct. 28.

Brookfield global Relocation Services LLC, Burr Ridge, Ill. Seller: Andrew P. Cowley, et al, Wappingers Falls.

Property: 8 Summerlin Court, Wappingers falls 12590. Amount: $385,000. Filed Oct. 27.

Joe Fini Homes LLC, Goshen. Seller: Frank Fini Sr., Middletown. Property: in Wallkill. Amount: $145,000. Filed Nov. 3.

U.S. Bank N.A. Seller: Geraldine Sciacca, Middletown. Property: 133 Renwick St., Newburgh 12550. Amount: $127,500.

Filed Oct. 30.

Netzley, Vanessa, et al, Accord, as owner. Lender: National Bank of Delaware County, Walton. Property: 32 Bowtie Drive, Accord 12404. Amount: $100,000. Filed Oct. 31.

Catskill Farms Inc., Eldred. Seller: John Piccione, Yorktown Heights. Property: in Saugerties. Amount: $400,000.

Filed Oct. 29.

Schenker, Sean, et al, Connelly, as owner. Lender: Rondout Savings Bank, Kingston. Property: 7 Juniper St., New Paltz. Amount: $179,800. Filed Oct. 30.

CMS Bank, White Plains. Seller: Joseph P. Abinanti, Scarsdale. Property: 2206 Martingale Drive, Unit 22-148, Carmel 10512. Amount: $399,590. Filed Oct. 21.

BUILDING LOANS Below $1 million Hayman, Kathy A., Saugerties, as owner. Lender: The Rhinebeck Bank, Poughkeepsie. Property: in Hurley. Amount: $87,800. Filed Oct. 30.

HUDSON VALLEY DEEDS Above $1 million 14 Par Court EJL LLC, et al, New York City. Seller: Dov Yoran, Carmel. Property: 14 Par Court, Carmel 10541. Amount: $2.2 million. Filed Oct. 20.

Dawn Mobile Home LLC, Wappingers Falls. Seller: Dawn Mobile Home Park Inc., Fishkill. Property: in LaGrange.

Amount: $1.3 million. Filed Oct. 27.

DP 53 LLC, et al, Mount Kisco. Seller: Carmel Sports Center Inc., Englewood, N.J. Property: 23 Old Route 6, Carmel.

Amount: $2.4 million. Filed Oct. 22.

Pure Harmony LLC, Brewster. Seller: Lad Family Investment LLC, Weston, Conn. Property: in Southeast. Amount: $3 million. Filed Oct. 17.

Below $1 million 133 Grand Goshen LLC, Monsey.

Seller: Lenore Finkelstein, Wanaque, N.J. Property: 133 Grand St., Goshen.

Amount: $525,000. Filed Oct. 29.

3 Buchanan LLC, Brooklyn. Seller: Noam Estates LLC, Monroe. Property: in Monroe. Amount: $300,000. Filed Nov. 3.

A-Class Management Inc., Carmel.

Seller: Carol J. Votta, Carmel. Property: in Kent. Amount: $40,000. Filed Oct. 14.

Blue Liberty LLC, Newark, N.J. Seller: Donald D. Rutigliano, et al, Highland.

Property: 64 Solway Road, Saugerties 12477. Amount: $55,000. Filed Oct. 27.

Cottage Grove Rentals LLC, Rosendale. Seller: Brenda Smith, Milton. Property: in Wawarsing. Amount $265,000.

Filed Oct. 31.

Crystal Lakehill LLC, Flushing. Seller: Ronald J. D’Angelo, Brooklyn. Property: in Beekman. Amount: $225,000. Filed Oct. 28.

Deutsche Bank National Trust Co. Seller: Joseph Pisani, West Park. Property: 24 Arbor Court, Holmes 12531.

Amount: $946,247. Filed Oct. 21.

Deutsche Bank National Trust Co. Seller: Leslie A. Baum, Walden. Property: 3-4 Williamsburg Drive, Newburgh 12550. Amount: $364,887. Filed Oct. 30.

Deutsche Bank National Trust Co. Seller: Michael H. Forrester, New Windsor. Property: 132 Creamery Pond Road, Sugar Loaf 10981. Amount: $554,826.

Filed Oct. 31.

Federal Home Loan Corp. Seller: Richard Forcier, Pine Island. Property: 3002 Barclay Manor, Unit 30B, Newburgh 12550. Amount: $54,825. Filed Oct. 31.

Federal Home Loan Mortgage Corp.

Seller: Nationstar Mortgage LLC. Property: 3 White Rock Road, Putnam Valley 10579. Amount: $268,266. Filed Oct. 24.

Federal National Mortgage Association. Seller: Kevin Lawrence Wright, Mahopac. Property: 8 Oak St., Brewster 10509. Amount: $378,824. Filed Oct. 20.

Federal National Mortgage Association. Seller: Michael McIntyre, et al, Thiells. Property: 3 Tab Court, Pine Bush 12566. Amount: $227,630. Filed Nov. 3.

Federal National Mortgage Association. Seller: Patricia Ann Gray, Highland. Property: 447 N. Elting Corners, Highland 12528. Amount: $141,540. Filed Nov. 3.

Federal National Mortgage Association. Seller: Ralph A. Beisner, Hyde Park.

Property: 3208 Morgan Drive, Carmel 10512. Amount: $328,151. Filed Oct. 23.

JPMorgan Chase Bank N.A. Seller: Juliana LoBiondo, Newburgh. Property: 59 Mountain Ave., Highland Falls 10928.

Amount: $416,392. Filed Nov. 3.

U.S. Bank N.A. Seller: Harold O. Stewart, Warwick. Property: 11 Cedar St., Walden 12586. Amount: $67,000. Filed Oct. 30.

Kobe Enterprises LLC, Brooklyn. Seller: Scott F. Posner, et al, New York City.

Property: in Clinton. Amount: $990,000.

Filed Oct. 30.

U.S. Bank N.A. Seller: Loretta Robinson, New City. Property: 94 Entrance Way, Mahopac 10541. Amount: $157,250. Filed Oct. 23.

L and E Equity Inc., Monroe. Seller: Lemberg Gardens LLC, Monroe. Property: in Monroe. Amount: $985,000.

Filed Nov. 3.

U.S. Bank N.A. Seller: Maria Otero Ocasio, Florida. Property: 72 Van Ness St., Newburgh 12550. Amount: $63,750. Filed Oct. 30.

Lilo LLC, Poughkeepsie. Seller: Beth Anne Barry, Poughkeepsie. Property: in Poughkeepsie. Amount: $130,000. Filed Oct. 28.

U.S. Bank N.A. Seller: Michael A. Burns, et al, Fishkill. Property: 1804 Pond View, Fishkill 12590. Amount: $344,500. Filed Oct. 23.

LW RE II LLC, New York City. Seller: Michael D, Feldman, New York City.

Property: 207 Little Pond Road, Pawling 10549. Amount: $300,000. Filed Oct. 30.

Vieira Mining Corp., Katonah. Seller: Ian Holback, Wingdale. Property: Route 22, Wingdale. Amount: $300,000. Filed Oct. 29.

Mid-Hudson Holdings LLC, et al, Hopewell Junction. Seller: Barbara L. Farrell, Phoenix, Ariz. Property: in East Fishkill. Amount: $166,000. Filed Oct. 24.

Wells Fargo Bank N.A. Seller: Ronald C. Blass Jr., Poughkeepsie. Property: 155 N. Clinton St., Poughkeepsie 12601.

Amount: $294,000. Filed Oct. 30.

Nationstar Mortgage LLC. Seller: Neil Olshansky, et al, Bridgewater, Conn.

Property: 3 White Rock Road, Putnam Valley 10579. Amount: $268,266. Filed Oct. 24.

Wells Fargo Bank N.A. Seller: William Booth Jr., Beacon. Property: 5 Morgan Court, Dover Plains 12522. Amount: $174,000. Filed Oct. 24.

Next Page LLC, Gansevoort. Seller: Caryl L. Nash, Poughkeepsie. Property: 100 Forbus St., Poughkeepsie. Amount: $200,000. Filed Oct. 23.

Weyrauch Construction Company Inc., Goshen. Seller: Deutsche Bank National Trust Co. Property: 38 Paddock Drive, Pine Bush 12566. Amount: $165,000. Filed Oct. 31.

PGA Real Estate Solutions LLC, Yorktown Heights. Seller: Family Service Society of Yonkers, Yonkers. Property: in Kent. Amount: $135,000. Filed Oct. 20.

WLP – 360 Old 22 LLC, Brooklyn.

Seller: Erik Per Martin, Woodbury, Conn.

Property: in Dover. Amount: $70,000.

Filed Oct. 23.

Rejuvenate Properties LLC, Gardiner. Seller: Federal Home Loan Mortgage Corp. Property: 2520 Route 44-55, Gardiner. Amount: $126,000. Filed Oct. 27.

WZF Apartments LLC, Hopewell Junction. Seller: Munasali Hassam, Carrollton, Texas. Property: in Wappinger.

Amount: $70,000. Filed Oct. 29.

Ronway Inc., Kerhonkson. Seller: Paul L. Banner, Poughkeepsie. Property: in Wawarsing. Amount: $18,500.

Filed Oct. 27.

YaYa Investments LLC, New York City. Seller: Bettina Marshall Whyte, Jackson, Wyo. Property: 498 Sharon Station Road, North East. Amount: $678,000. Filed Oct. 24.

Savtry LLC, Wappingers Falls. Seller: Jean M. Hessler-Norman, Hyde Park.

Property: 1 Market St., Wappingers Falls 12590. Amount: $75,000. Filed Oct. 28.

Shemesh Realty Group Inc., Monroe. Seller: Beirach Moshe Gardens Inc., Monroe. Property: in Monroe. Amount: $280,000. Filed Nov. 3.

T Units 206 and 306 LLC, Brooklyn.

Seller: Lemberg Gardens LLC, Monroe.

Property: in Monroe. Amount: $710,000.

Filed Nov. 3.

JUDGMENTS

Aspire 4 Life Inc., New Hampton. $143 in favor of the New York State Department of Taxation and Finance, Albany.

Filed Aug. 7.

B.A.B. Group V LLC, Saugerties. $2,827 in favor of the New York State Department of Taxation and Finance, Albany.

Filed Nov. 3.

Orange County Post Inc., New Windsor. $326 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 4.

Pinnacle Productions Inc., Warwick. $637 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 7.

Hudson Valley Homes and Renovations Inc., Stone Ridge. $399 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Oct. 28.

Pops Paradise of Newburgh Inc., Newburgh. $2,096 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 7.

Hudson Valley Pool Supply Inc., New Windsor. $6,035 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 7.

Print It Today Inc., Monroe. $234 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 4.

Jewels LLC, Kingston. $36,500 in favor of the Workers’ Compensation Board of the State of New York, Albany. Filed Oct. 28.

Randazzo’s Italian Restaurant LLC, Newburgh. $20,499 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 4.

Johnny A-1 Contracting LLC, Marlboro. $864 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Oct. 28.

Redleaf Landscaping Inc., Marlboro. $2,446 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Oct. 28.

Johnny G’s Inc., Saugerties. $471 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3.

Reyno Mexican Foods Inc., Newburgh. $697 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Aug. 4.

Joseph Luma General Contracting Ltd., Kerhonkson. $1,864 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3.

Just Like New, Bloomingburg. $3,404 in favor of the New York State Department of Taxation and Finance, Albany.

Filed Aug. 7.

Mastertex Inc., Monroe. $41 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 4.

Melissa’s Nails Inc., New Paltz. $3,905 in favor of the New York State Department of Taxation and Finance, Albany.

Filed Nov. 3.

Miceli Industries Inc., Westtown. $1,201 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 4.

Middle Town Farm Inc., Middletown. $873 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Aug. 4.

1-2-Tree, Wallkill. $4,881 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3.

Mikes Market Inc., Newburgh. $255 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 4.

16 Main Inc., d.b.a. Mick’s Grocery and Deli, Otisville. $4,873 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Aug. 4.

Neuss Construction Inc., Marlboro. $2,344 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3.

WCBJ

Ry Guy Inc., Walden. $1,836 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 7.

Shawangunk Mining and Excavating Inc., Wallkill. $6,263 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Oct. 28.

Sulmas Restaurant Inc., Newburgh. $1,524 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 7.

Sunnycrest Manor Apartments LLC, Monroe. $1,177 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 4.

The Lazy Swan Club House and Catering Hall Inc., Saugerties. $66,672 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3.

TMG Consulting LLC, Salisbury Mills. $671 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 7.

Ulster Job-Lot Inc., Kingston. $1,865 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3.

Vitek Enterprises, Middletown. $150 in favor of the New York State Department of Taxation and Finance, Albany.

Filed Aug. 7.

November 10, 2014

31

FACTS & FIGURES Wallet Wise Auto Sales, Campbell Hall. $15,006 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 7.

Wildlife Busters LLC, New Paltz. $5,971 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3.

Winum Maintenance and Development Inc., Middletown. $2,417 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 7.

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

Abdullah, Rashed, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $195,650 affecting property located at 60 Franklin St., Kingston 12401.

Filed Oct. 31.

Abrams, Arnold J., et al. Filed by RBS Citizens N.A. Action: seeks to foreclose on a mortgage to secure $132,000 affecting property located at 223 Plank Road, Shandaken. Filed Oct. 28.

Adams, Abraham, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $160,000 affecting property located at 160 Vails Gate Heights Drive, New Windsor 12553. Filed April 22.

Anderson, Abdiel R., et al. Filed by Flagstar Bank F.S.B. Action: seeks to foreclose on a mortgage to secure $266,483 affecting property located at 17 Roger Ave., Middletown 10940. Filed April 22.

Leslie, Jennifer H., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $232,000 affecting property located at 221 Ludingtonville Road, Kent 12531. Filed Oct. 28.

Lopes, Nancy, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $493,891 affecting property located at 650 Lakes Road, Monroe 10950. Filed April 22.

Lopez, Andreina, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $211,200 affecting property located at 365 S. Plank Road, Newburgh 12550. Filed April 22.

Maher, Patricia M., et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $267,000 affecting property located at 5804 Boulder Way, Wappingers Falls 12590. Filed Oct. 14.

Mancini, Thomas, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $299,653 affecting property located at 150 Third St., Newburgh 12550. Filed April 22.

Masood, Angela, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $271,845 affecting property located at 6 Pennock Road, Poughkeepsie 12603. Filed Oct. 24.

Mattia, Joseph J., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $626,172 affecting property located at 122 Hudson Pointe Drive, Poughkeepsie 12601. Filed Oct. 23.

McCaffrey, Ryan, et al. Filed by Rondout Savings Bank. Action: seeks to foreclose on a mortgage to secure $275,000 affecting property located at 109 Lippincott Road, Wallkill. Filed Oct. 29.

Ashley, Leroy, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $315,056 affecting property located at 12 Ervin Drive, Wappinger 12590. Filed Oct. 23.

Meli, Anita C., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $242,250 affecting property located at 521 N. Ohioville Road, New Paltz 12561.

Filed Oct. 27.

Benes, Richard, et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 216 West Road, Apt. H80, Pleasant Valley 12569. Filed Oct. 22.

Messina, Gregory D., et al. Filed by Federal National Mortgage Association.

Action: seeks to foreclose on a mortgage to secure $220,000 affecting property located at 16 Beekman Drive, Carmel 10512. Filed Oct. 30.

Boardman, Frederic A.S., et al. Filed

by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 3 Market Lane, Clinton Corners 12514. Filed Oct. 22.

Milton, Lynnai, et al. Filed by Hometown Bank of the Hudson Valley. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 18 Terbar Loop, New Paltz 12561. Filed Oct. 28.

Candelario, Oswald E., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $297,500 affecting property located at 21 Laurel Park Road, Wappingers Falls 12590. Filed Oct. 27.

Frankel, Miriam, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $185,250 affecting property located at 29 Getzil Berger Blvd., No. 204, Monroe 10950. Filed April 23.

32

November 10, 2014

Molletti, Eddie L., individually and as surviving joint tenant to Joan E. Cummings, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $120,000 affecting property located at 25 Vanburen St., Kingston 12401.

Filed Oct. 30.

Pinto, Mayra, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $292,000 affecting property located at 128 Main St., Southeast 10509. Filed Oct. 23.

WCBJ

Quinones, Giselle L., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $127,200 affecting property located at 5 Wildwood Drive, Unit 12D, Wappingers Falls 12590. Filed Oct. 23.

Williams, Russell L., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $78,460 affecting property located at 536 Salt Point Turnpike, Poughkeepsie 12601.

Filed Oct. 23.

Rash, Ann Lee, as executrix of the estate of Mary Lee Goodman, et al. Filed by OneWest Bank N.A. Action: seeks to foreclose on a mortgage to secure $270,607 affecting property located at 115 South Street Extension, Warwick 10990. Filed April 23.

Winter, John E., et al. Filed by Chase Home Finance LLC. Action: seeks to foreclose on a mortgage to secure $169,600 affecting property located at 26 Mulvin Drive, Lake Katrine 12449.

Filed Oct. 30.

Rivat, Jean, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $170,000 affecting property located at 17 Baldwin Road, Carmel 10512. Filed Oct. 22.

Rodriguez, Antonio A., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $360,000 affecting property located at 421 Brewster Hill Road, Brewster 10509.

Filed Oct. 22.

Rugakingira, Vicky, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $321,200 affecting property located at 3294 Route 22, Dover Plains 12522. Filed Oct. 20.

Salwierz, Alina, et al. Filed by Chase Home Finance LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 22 Birch Drive, Mahopac 10541.

Filed Oct. 29.

Saso, Brett T. Sr., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 169 Vineyard Ave., Highland 12528. Filed Nov. 3.

Schwartz, Yolanda, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $292,000 affecting property located at 40 Mount Hope Road, Mahopac 10541.

Filed Oct. 29.

Sterling Mine Properties LLC, et al. Filed by E.R. Holdings LLC. Action: seeks to foreclose on a mortgage to secure $3 million affecting property located at 655 Sterling Mine Road, Tuxedo. Filed April 22.

Stolz, Mark R., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $206,000 affecting property located at 12 Lexington Hills, Unit 5, Harriman 10926. Filed April 23.

Teye, Ferdinand, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $308,000 affecting property located at 15 Seitz Terrace, Poughkeepsie 12603. Filed Oct. 27.

White, Bruce E., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $400,000 affecting property located at 90 Stagecoach Road, Patterson 12563.

Filed Oct. 27.

Williams, Lewis D., et al. Filed by PennyMac Corp. Action: seeks to foreclose on a mortgage to secure $356,342 affecting property located at 100 S. Gate Drive, Poughkeepsie 12601. Filed Oct. 24.

The Gadg-Gadg Inc., d.b.a. Protect O Warranty, 5 Konitz Road, apt. 301, Monroe 10950. Filed March 10.

Partnerships

J and T Cleaning Services, 64 Eastern Parkway, Saugerties 12477, c/o Joseph R.M. Finno. Filed Oct. 27.

JTH Solar, 191 Glenerie Blvd., Saugerties 12477, c/o John T. Hadlow. Filed Oct. 31.

Super Clean, 26 Ave. A, Cornwall-onHudson 12520, c/o Mamadou Sonko and Jessica Sonko. Filed March 10.

Larry Pannasch Consulting, 3 Niles Drive, Woodstock 12498, c/o Lawrence C. Pannasch. Filed Oct. 31.

Xavier’s Mark, 2646 Liberty Ridge, New Windsor 12553, c/o Brandon Flores and Robert Harris. Filed March 7.

LLR Remodeling and Construction, P.O. Box 243, Hurley 12443, c/o Christopher Riggins. Filed Oct. 27.

Sole Proprietorships

Making A Photograph.com, 34 Huguenot St., New Paltz 12561, c/o Joseph Puglisi. Filed Oct. 30.

Zelnick, Stephen A., et al. Filed by Rhinebeck Bank. Action: seeks to foreclose on a mortgage to secure $357,000 affecting property located at 302 and 266 Pumpkin Lane, Clinton and Stanford. Filed Oct. 16.

All Things Beautiful, 1136 Washington Green, New Windsor 12553, c/o Stephanie DeCaprio. Filed March 6.

Marshall Industries, 476 Winding Hill Road, Montgomery 12549, c/o Kenneth Marshall. Filed March 6.

Blanos Handyman Services, 183 Old Tuxedo Road, Monroe 10950, c/o John A. Blanos. Filed March 6.

Molly Farley, 15 Rock City Road, Woodstock 12498, c/o Maura M. Farley. Filed Oct. 27.

MECHANIC’S LIENS

Brighter Than Sunshine Day Care, 276 Black Meadow Road, Chester 10990, c/o Joanna Amanda Lipiro. Filed March 6.

NJoy The Ride, 106 Abruyn St., Kingston 12401, c/o Nadine Ferraro. Filed Oct. 31.

Wyld, Janice J., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $213,069 affecting property located at 522 Washington Ave., Beacon 12508. Filed Oct. 27.

Benderson Development Company LLC, as owner. $16,719 as claimed by Cooper Electric Supply Co., Monroe.

Property: 1701 Route 9, Wappinger. Filed Oct. 24.

Buchman, Dianne, et al, as owner. $20,927 as claimed by Miscellaneous Enterprises Etc LLC, Hopewell Junction.

Property: 132 Old Route 55, Pawling. Filed Oct. 28.

Granite at Hudson Valley Resort LLC, as owner. $7,795 as claimed by Tim Miller Associates Inc., Cold Spring. Property: Hudson Valley Resort and Spa, 400 Granite Road, Kerhonkson 12446. Filed Oct. 27.

Hoag, Robert, as owner. $11,824 as claimed by O and R Painting Inc., Wallkill.

Property: 150 Mountain View Ave., Newburgh. Filed Oct. 31.

Lebron, Eddie, Monroe, as owner. $1,050 as claimed by ADC Construction, Cuddebackville. Property: in Monroe.

Filed Oct. 29.

Lesesne, William Jr., as owner. $20,000 as claimed by Joseph Lori Builders Inc., Beacon. Property: 2 Wood Lane, Beacon. Filed Oct. 28.

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

Doing Business As Alpine Hardwood Corp., d.b.a. Architectural Enhancements, 135 Crotty Road, Middletown 10941. Filed March 10.

Elant Choice Inc., d.b.a. Elant at Home, 46 Harriman Drive, Goshen 10924. Filed March 10.

Broadway Bubbles Laundromat, 488 Broadway, Newburgh 12550, c/o Arun Vohra. Filed March 6.

Carson Motorsports, 149 White Bridge Road, Middletown 10940, c/o Rafaele Michele Carson Jr. Filed March 10.

Dakota Ski Beauty Lab, 8 Breeze Hill Road, New Windsor, c/o Samirah S. Abraham. Filed March 7.

Noyeh-Ongeh Music/Two WolfWalking Arts, P.O. Box 403, Shandaken 12480, c/o Joani A. Henry. Filed Oct. 29.

Quilter’s Candy Shop, 15 Kings Drive, Wallkill 12589, c/o Bernice Rodriguez.

Filed March 10.

R and R Flawless Cleaning Services, 68 Eastern Parkway, Saugerties 12477, c/o Richard Weishaupt III. Filed Oct. 27.

Delux Taxidermist, 332 Route 32, New Paltz 12561, c/o Roy A. Lux. Filed Oct. 28.

Silver Rose Clay, 39 Cascade Lake Road, Warwick 10990, c/o Gloria E. Dobbs. Filed March 10.

Designs by Moe, 650 Mullock Road, Port Jervis 12771, c/o Maureen Anne Doane. Filed March 6.

SMF-II Custom Apparel, 916 Route 2, Accord 12404, c/o Heather R. Stokes.

Filed Nov. 3.

DM Property Management, 138 Camp Orange Road, Middletown 10941, c/o Dominick R. Mannino. Filed March 7.

Tek 2 Biz, 309 Patchett Way, Montgomery 12549, c/o Parthasarathy Chakravarty. Filed March 6.

Douglas B. Scott, 703 Milton Turnpike, Highland 12528, c/o Douglas B. Scott.

Filed Nov. 3.

Vista Protective Services, 753 Route 302, Pine Bush 12566, c/o Michael B. Byrd. Filed March 7.

Ghillie Suit Studios, 378 Hasbrouck Ave., Kingston 12401, c/o R. John Van Etten. Filed Oct. 27.

Vladys, 24 Laura Lane, Central Valley 10917, c/o Vladimir Valitov. Filed March 7.

Goodies and More, 35 Barclay Road, Clintondale 12515, c/o Salvatore Maresca.

Filed Oct. 29.

Grassmasters Landscaping, 8 Crystal Road, Wallkill 12589, c/o Steven C. Bunt.

Filed March 10.

Groovy Cleaning Services, 530 Route 32 S., New Paltz 12561, c/o Barbara A. Hechinger. Filed Oct. 30.

Hometown Wash-O-Mat, 407 Route 52, Newburgh 12550, c/o Arun Vohra.

Filed March 6.

Houston Boyz Trucking, 411 Fasir Oaks Road, Middletown 10940, c/o Corey Houston. Filed March 6.

Walter A. Kannon ATM, 1372 Kings Highway, Sugar Loaf 10991, c/o Walter A. Kannon. Filed March 10.

Z Delivery Services, 421 Route 284, Westtown 10998, c/o Kevin Zaraszczak.

Filed March 10.

LEGAL NOTICES Notice of Formation: Royís Elite Dealer Services LLC, Filed with SSNY on 8/6/2014. Office Location: Westchester County.

SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: Royís Elite Dealer Services LLC, 170 Glover Ave. Yonkers, NY 10704.

Purpose: Any lawful Purpose. #59652

WILL’S WAY LLC, Arts. of Org. filed with the SSNY on 10/01/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 131 Radio Circle Dr., Mt. Kisco, NY 10549. Purpose: Any Lawful Purpose. #59654

CIRCLE Z LLC, Arts. of Org. filed with the SSNY on 10/01/2014.

Office loc: Westchester County.

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

SSNY shall mail process to: 131 Radio Circle Drive, Mt. Kisco, NY 10549. Purpose: Any Lawful Purpose. #59655

Trident Limousine Company, LLC Articles of Organization filed with the Secretary of State of NY (SSNY) on 09/22/14. Office location: Westchester County.

SSNY has been designated as agent upon whom process against it may be served. The Post Office address to which the SSNY shall mail a copy of any process against the LLC served upon him/her is: 233 S. Highland Ave, Ossining, NY 10562. The principal business address of the LLC is: 233 S. Highland Ave, Ossining, NY 10562. Purpose: any lawful act or activity. #59656

NEW ROC BLT 1 LLC, Arts. of Org. filed with the SSNY on 10/02/2014. Office location: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 1955 Central Park Ave., Yonkers, NY 10710. Reg Agent: Mark J. Fonte, Trifont, 1955 Central Park Ave., Yonkers, NY 10710. Purpose: Any Lawful Purpose. #59658

Notice of Formation of ERIC ZITANER LLC. Arts. Of Org. filed with Secretary of State of New York (SSNY) on 09/30/14. Office Location: Westchester Cty. SSNY is desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, PO Box 1887 White Plains, NY 10602.

Purpose: any lawful purpose. #59659

KERRIZ ENTERPRISES, LLC Art. of Org were filed with the SSNY on 09/10/214. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: The LLC, 11-21 JACKSON AVENUE, SCARSDALE, NY 10583, principal business location of the LLC. Purpose: any lawful business activity #59660

208-210 SOUTH TERRACE AVENUE LLC, Arts. of Org. filed with the SSNY on 05/27/2014.

Office loc: Westchester County.

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

SSNY shall mail process to: Corporation Service Company, 80 State St., Albany , NY 12207.

Reg Agent: Corporation Service Company, 80 State St., Albany , NY 12207. Purpose: Any Lawful Purpose. #59662

Notice of formation of William C. Wood, M.D., PLLC, a domestic professional service limited liability company. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 09/26/2014.

NY Office location: New York County. SSNY is designated as agent upon whom process against the LLC may be served.

SSNY shall mail a copy of process to the LLC at: 122 East 82nd Street, Suite 1B, New York, NY 10028-0873. Purpose: Practice the profession of medicine. #59663

Notice of Formation of 141 CENTRE STREET, LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 9/5/14. 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 John Caparelli, 126 Lincoln Ave., West Harrison, NY 10604. Purpose.

Any lawful act or activity. #59668

FitBrite LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 9/18/2014. The LLC is located in Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The post office address to which the SSNY shall mail a copy of any process against it served is to the principal business location at 87 Avon Circle Unit D, Rye Brook, NY 10573. Purpose of business of LLC is any lawful act or activity. #59669

CAREER CONNECTORS LLC. Art. of Org. filed w/ NY Sec. of State (SSNY) on 10/14/14.

Office in Westchester Co. SSNY designated agent for service of process. SSNY shall mail process to Career Connectors LLC, 5 Melrose Ave, Croton-OnHudson, NY 10520. Purpose: Any lawful activity. #59670

950 E. Main Shrub Oak LLC Notice of Formation of 950 E. Main Shrub Oak LLC. Articles of Organization filed with the Secretary of State of New York (SSNY) on 9/29/2014. Office Location 205 S. Riverside Avenue, Croton on Hudson, NY (Westchester County). SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail copy of process to: 205 S Riverside Avenue, Croton on Hudson, NY 10520. Purpose: any lawful activity #59671

93 W. Main Elmsford LLC Notice of Formation of 93 W. Main Elmsford LLC. Articles of Organization filed with the Secretary of State of New York (SSNY) on 9/29/2014. Office Location 205 S. Riverside Avenue, Croton on Hudson, NY (Westchester County). SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail copy of process to: 205 S Riverside Avenue, Croton on Hudson, NY 10520. Purpose: any lawful activity #59672

Notice of formation of Limited Liability Company (ìLLCî).

Name: Macquesten Takeover Partners, LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on July 3, 2014. 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 Macquesten Takeover Partners, LLC, c/o The MacQuesten Companies, 438 Fifth Avenue, Suite 100, Pelham, New York 10803. Purpose/character of LLC is to engage in any lawful act or activity. #59673

Serenity Gifts Kennedi Cakes, LLC Art of Org filed with the Secretary of State of New York on 08/01/14.Office location: Westchester County: SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: The LLC, 18 Cedar Place Rye, NY 10580, Purpose: any lawful purpose. #59674

Notice of formation of Luxmark Capital Investing LLC., Arts.

Of Org. filed with the Sectíy of State of NY (SSNY) on October 20, 2014. Office location: Westchester. The street address is: 207 Longvue Terrace, Yonkers, NY 10710. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process served to: The Limited Liability Company, 207 Longvue Terrace, Yonkers, NY 10710. Purpose: any lawful act. #59675

Notice of Formation of MOORE LAW FIRM, PLLC. Arts. of Org. was filed with SSNY on 9/11/14.

Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: C/O THE LLC, 7 Radcliffe Ave., Rye, NY 10580. Purpose: to engage in the practice of Law. #59676

HEADS UP PEDIATRICS, PLLC, a Prof. LLC. Arts. of Org. filed with the SSNY on 10/09/2014.

Office loc: Westchester County.

SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: 1414 Park Lane, Pelham Manor, NY 10803.

Profession to be practiced is Medicine. #59678

VG HAIR DESIGNS, LLC, Arts. of Org. filed with the SSNY on 07/21/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: Vilma Gjuraj, 111 Park Hill Ave Apt 4B, Yonkers, NY 10701. Purpose: Any Lawful Purpose. #59679

ANMAC WHITE PLAINS LEASE, LLC, Arts. of Org. filed with the SSNY on 10/23/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: The LLC, Anmac Holding Company LLC, 700 East Gate Dr., Ste. 400, Mt. Laurel, NJ 08054. Purpose: Any Lawful Purpose #59680

Notice of formation of Sugarsoap Productions LLC. Art. of Org. filed with Secy. of State (SSNY) on 10/2/14. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to 69 Willow Avenue, Larchmont, NY 10538.

Purpose: Any lawful activity. #59681

Notice of formation of Limited Liability Company (ìLLCî).

Name: MacQuesten Takeover Manager LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on October 23, 2014. 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 MacQuesten Takeover Manager LLC, c/o The MacQuesten Companies, 438 Fifth Avenue, Suite 100, Pelham, New York 10803. Purpose/character of LLC is to engage in any lawful act or activity. #59682

NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY. NAME: Kishaya 1 LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on August 27. 2014.

Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to the LLC c/o Kishuya 1 LLC, 1 Acker Drive, Rye Brook, NY 10573. Purpose: For any lawful purpose #59684

Notice of Formation of HBMB LLC. Art. of Org. filed Secy. of State of NY (SSNY) on 10/22/2014. Office location: Westchester. SSNY Designated as agent of LLC upon whom process against it may be served.

SSNY shall mail copy of process to: The LLC, 19 Boulder Brook Road, Scarsdale, NY 10583.

Purpose: any lawful activity. #59685

NOTICE OF FORMATION: CUFFED?, LLC Art of Org filed with the Secretary of State of New York (SSNY) on 08/25/14.

Office location: Westchester County. SSNY designated as agent upon whom process against it may be served. SSNY shall mail a copy of process to: The LLC, PO BOX 40 Bronx, NY 10470. Purpose: any lawful purpose #59686

NOTICE OF ANNUAL REPORTNotice is hereby given that the 2013 report for the year ending December 31, 2013 of the Meyer Foundation is available for inspection at its principal office, c/o Bruce Oberfest & Associates , P.O. Box 318, Chappaqua, New York 10514, during regular business hours by any citizen who requests it within 180 days after the date of this publication. The Foundationís principal manager is Bruce Oberfest, 914-2383800. #59687

NOTICE OF ANNUAL REPORTNotice is hereby given that the 2013 report for the year ending June 30, 2014 of the Michel David-Weill Foundation is available for inspection at its principal office, c/o Bruce Oberfest & Associates, P.O. Box 318, Chappaqua, New York 10514, during regular business hours by any citizen who requests it within 180 days after the date of this publication. The Foundationís principal manager is Michel David-Weill, 914-2383800. #59688

Notice is hereby given that an on-premise license, #TBA has been applied for by Skytess, Inc. d/b/a Taiim Falafel Shack to sell beer and wine at retail in an on premises establishment. For on premises consumption under the ABC law at 598 Warburton Avenue Hastings on Hudson, NY 10706 #59690 MAMARONECK MEDICAL, PLLC, a Prof. LLC, Arts. of Org. filed with the SSNY on 10/22/2014.

Office loc: Westchester County.

SSNY has been designated as agent upon whom process against it may be served.

SSNY shall mail process to: 933 Mamaroneck Ave., Ste 102, Mamaroneck , NY 10543.

Profession to be practiced: Medicine. #59691

J.M. AQUINO PSYCHOLOGIST PLLC, a Prof. LLC, Arts. of Org. filed with the SSNY on 10/27/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: 10 Rye Ridge Plaza, Ste 214, Rye Brook, NY 10573. Purpose: To Practice The Profession Of Psychology #59692

Notice of Formation of CATS CATS CATS PRODUCTIONS, LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 10/1/14. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 21 The Crossing at Blind Brook, Purchase, NY 10577.

Purpose. Any lawful act or activity. #59693

Notice of Formation of CM Mental Health Counseling, PLLC. Art. Of Org. filed with SSNY on 10/16/2014. Office location: Westchester County. U.S. Corp.

Agents Inc. designated as agent of the PLLC upon whom process against it may be served. SSNY shall mail process to: 7014 13th Ave., Ste. 202, Brooklyn NY, 11228. Purpose: any lawful purpose. #59694

THE ANNUAL RETURN OF BARBARA J. AND LAWRENCE J. GOLDSTEIN DOGOOD FOUNDATION, INC for the calendar year ended December 31, 2013 is available at its principal office located at 1865 PALMER AVENUE, LARCHMONT, NY 10538 for inspection during regular business hours by any citizen who requests it within 180 days hereof. Principal Manager of the foundation is LAWRENCE J. GOLDSTEIN. #59695

Notice of formation of PLLC: Nolan Landscape Architects, PLLC. Art. of Org. filed with the Secretary of State of New York (SSNY) on 7/9/2014.

Location: Westchester County.

SSNY design. as agent upon whom process against it may be served. SSNY shall mail a copy of process to: United States Corporation Agents, Inc., 7014 13th Ave, Ste 202, Brooklyn, NY 11228. Purpose: Practice of the profession of Landscape Architecture. #59696

WESTCHESTER INDEX NO.:54726/2014- SUPPLEMENTAL SUMMONS filed on 10/9/2014 Plaintiff Designates WESTCHESTER County as the place of trial based upon the location of the premises herein described having tax map Section 2, Block 2025, Lot 6, Yonkers, NY, County of WESTCHESTER. BANK OF AMERICA, N.A., Plaintiff, -against- MARIO BEAUGE, if living, and if either be dead, any and all persons unknown to plaintiff, claiming, or who may claim to have an interest in, or generally 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-atlaw, 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 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, NISHECA SHEPARD, JST CAPITAL INC, THE PEOPLE OF THE STATE OF NEW YORK, THE UNITED STATES OF AMERICA ñ INTERNAL REVENUE SERVICE, “JOHN DOE #1” through “JOHN DOE #12,” the last twelve names being fictitious and unknown to plaintiff, the persons or parties intended being the tenants, occupants, persons or corporations, if any, having or claiming an interest in or lien upon the premises, described in the complaint, Defendants. 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 Plaintiffís 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); 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 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 against you and you can lose your home. Speak to an attorneys or go to the court where your case is pending for further information on how to answer the summons and protect your property. Sending a payment to your mortgage company will not stop this foreclosure action. 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 To the above named defendants: The foregoing summons is served upon you by publication pursuant to an Order of the Order of the Hon. Joan B. Lefkowitz, a Justice of the Supreme Court, State of New York, dated October 8, 2014 and filed with the Westchester County Clerk together with the supporting papers thereon. This is an action to foreclosure a mortgage held by Plaintiff on the premises known as Section 2, Block 2025, Lot 6, Yonkers, NY, County of WESTCHESTER, as described in the complaint on file and commonly known as 3 CARLISLE PLACE, Yonkers, NY 10701. Dated: Syosset, New York September 25, 2014. Peter T. Roach & Associates, P.C. Attorney for Plaintiff 125 Michael Drive, Suite 105, Syosset, NY 11791 516-9383100 P#1116020 10/17, 10/24, 10/31, 11/07/2014 #59666

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LEGAL NOTICES WHITE PLAINS ORAL AND MAXILLOFACIAL SURGERY PLLC, a Prof. LLC. Arts. of Org. filed with the SSNY on 11/04/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: 105 South Bedford Rd., Ste. 330, Mt. Kisco, NY 10549.

Purpose: To practice the profession of Dentistry. #59697

PRD ENTERPRISES LLC, Arts. of Org. filed with the SSNY on 10/30/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 26 Ramona Court, New Rochelle, NY 10804.

Purpose: Any Lawful Purpose. #59698

OLIN DOCUMENT MANAGEMENT LLC, Arts. of Org. filed with the SSNY on 11/03/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 578 Nepperhan Ave., Yonkers, NY 10701. Purpose: Any Lawful Purpose. #59699

ATI, LLC, Authority filed with the SSNY on 10/03/2014 FICT NAME: ATI, LLC OPERATIONS. Office loc: Westchester County.

LLC formed in CT on 01/12/2010.

SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 34 Industrial Park Place , Middletown, CT 06457. Address required to be maintained in CT: 34 Industrial Park Place Middletown CT 06457. Cert of Formation filed with CT Sec. of State, Commercial Recording Div., P.O. Box 150470, Hartford, CT 06115.

Purpose: Any Lawful Purpose. #59700 NOTICE OF FORMATION OF Ernie Hicks Contracting LLC Arts. of Org. filed w/Secy of State of NY on 08/25/14, Office loc: Westchester Cty, SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Ernest Hicks, 2 Fennimore Ave., Yonkers, NY 10701. Purpose: Any lawful activity Ad # 59648

Notice of formation of Westchester Putnam Pottery, LLC, a domestic limited liability company. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 09/10/2014. NY Office location: Putnam County.

SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail a copy of process to the LLC at: 114 Austin Road, Mahopac, New York 10541.

Purpose: For any lawful purpose.

Ad # 59649

570E HERITAGE HILLS, LLC, Arts. of Org. filed with the SSNY on 09/26/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: C/O Steinvurzel & Levy Law Group, 34 South Broadway, White Plains, NY 10601. Purpose: Any Lawful Purpose. Ad # 59650

HARLEM APP COLLECTIVE, LLC. Art. of Org. filed w/ NY Sec. of State (SSNY) on 6/6/14. Office in Westchester Co. SSNY designated as agent for service of process. SSNY shall mail process to The LLC, 11 Park Hill Place, Yonkers, NY 10705. Purpose: Any lawful activity. Ad # 59651

CITI CONNECT INDUSTRIES, LLC, Arts. of Org. filed with the SSNY on 09/25/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: Citi Connect, LLC, 255 Huguenot St., Ste 2001, New Rochelle, NY 10801. Purpose: Any Lawful Purpose. Ad # 59653

SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF WESTCHESTER SUPPLEMENTAL SUMMONS AND NOTICE Index No. 59824/2014 Date Filed: 10/27/2014 Bank of America, N.A., Plaintiff, against Elizabeth Sterino a/k/a Elizabeth T. Sterino, if she be living or if she be dead, her spouse, heirs devisees, distributees and successors in interest, all of whom and whose names and places of residence are unknown to Plaintiff; State of New York; and “JOHN DOE #1” through “JOHN DOE #10”, the last ten names being fictitious and unknown to the Plaintiff, the person or parties intended being the person or parties, if any, having or claiming an interest in or lien upon the mortgaged premises described in the complaint, Defendants. PROPERTY ADDRESS: 128 Croton Avenue, Ossining, NY 10562 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 a notice of appearance on the attorneys for the Plaintiff within thirty (30) days after the service of this summons, exclusive of the day of service. The United States of America, if designated as a defendant in this action, may appear within sixty (60) days of service hereof. In case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the complaint.

NOTICE OF NATURE OF ACTION AND RELIEF SOUGHT THE OBJECT of the above captioned action is to foreclose a Mortgage to secure $238,960.00 and interest, recorded in the WESTCHESTER County Clerkís Office on July 25, 2006, in Control Number 461800086 covering premises known as 128 Croton Avenue, Ossining, NY 10562. 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. Plaintiff designates WESTCHESTER County as the place of trial. Venue is based upon the County in which the mortgaged premises is situated. NOTICE YOU ARE IN DANGER OF LOSING YOUR HOME IF YOU DO NOT RESPOND TO THIS SUMMONS AND COMPLAINT BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE MORTGAGE COMPANY WHO FILED THIS FORECLOSURE PROCEEDING AGAINST YOU AND FILING THE ANSWER WITH THE COURT, A DEFAULT JUDGMENT MAY BE ENTERED AND YOU CAN LOSE YOUR HOME. SPEAK TO AN ATTORNEY OR GO TO THE COURT WHERE YOUR CASE IS PENDING FOR FURTHER INFORMATION ON HOW TO ANSWER THE SUMMONS AND PROTECT YOUR PROPERTY. SENDING A PAYMENT TO YOUR MORTGAGE COMPANY WILL NOT STOP THIS FORECLOSURE ACTION. YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. Dated: October 8, 2014 Frank M. Cassara, Esq. Associate Attorney Shapiro, DiCaro & Barak, LLC Attorneys for Plaintiff 175 Mile Crossing Boulevard, Rochester, NY 14624 (585) 247-9000 Our File No. 14-034318 Premises known as 128 Croton Avenue, Ossining, NY 10562. All that certain property situate, lying and being in the Village of Ossining, County of WESTCHESTER, State of New York. Section 89.16, Block 7, Lot 52 and Section 2.15, Block 27, Lot 4 #59689

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FACES& PLACES AWARD-WINNING NIGHT

WCBJ held its second annual Doctors of Distinction event Oct. 30 at the Bristal in Armonk. About 150 gathered to reflect on the accomplishments of six Westchester County doctors. Winners spoke briefly about their careers and the personal experiences that led them into the medical industry. The event was preceded by a cocktail hour followed by a talk by guest speaker, Dr. Edward C. Halperin.

The evening’s winners were: Martin Lederman, MD, Kira Geraci-Ciardullo, MD, Mary Beth Walsh, MD, William Bauman, MD, Augustine Moscatello, MD and Thomas Lee, MD. Photographs by John Rizzo.

1. Louis Gallo, senior vice president and business banking manager, Wells Fargo; William Brenner, , partner, Citrin Cooperman; and Robert Wilson, partner, Citrin Cooperman.

2. Caroline Bauman, MD, Bauman and Bauman, with son, William Bauman, MD, professor of medicine and rehabilitation medicine for the Icahn School of Medicine at Mount Sinai Hospital.

3. Kira Geraci-Ciardullo, MD, board certified allergist and member of Westchester Health Associates; and Thomas Lee, MD, New York Neurological Surgery PC. 4. Anne Jordan, sales manager, Westfair Communications Inc. and Dan Angiollio, retired associate judge of the Appellate Division of the New York state Supreme Court.

5. Bento Mascarenhas, MD, director, arthritis center, The Burke Rehabilitation Hospital; Elaine Healy, vice president of medical affairs and medical director of United Hebrew of New Rochelle; Karen Pechman, MD, medical director, department of physical medicine and rehabilitation, The Burke Rehabilitation Hospital; and Mary Beth Walsh, MD, executive medical director and CEO, The Burke Rehabilitation Hospital.

6. Alan Badey, managing partner, Citrin Cooperman and Michael Markhoff, partner, Danziger & Markhoff LLP. 7. Michael Spencer, commercial lender, TD Bank; Patrick Trast, vice president, senior commercial banker, TD Bank; and Theresa Viti-Finck, mortgage loan officer, TD Bank.

8. Martin Lederman, MD, Lederman & Lederman LLP, and daughter, Carolyn Lederman, MD, Lederman & Lederman LLP. 9. Marina Harmon, executive assistant, The Burke Rehabilitation Hospital; Steven Tisser, senior administrator, outpatient services, The Burke Rehabilitation Hospital; and Richard Sgaglio, director of marketing, The Burke Rehabilitation Hospital.

10. Louis McIntyre, MD, Louis F McIntyre PC; Stephanie McGouan; and Augustine Moscatello, MD, Westchester Medical Center.

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