Westchester County Business Journal 122115

2 | FOOD COURT HOLDOUT DECEMBER 21, 2015 | VOL. 51, No. 51

YOUR ONLY SOURCE FOR REGIONAL BUSINESS NEWS

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HEALTH REPUBLIC COLLAPSE HITS LOCAL BUSINESSES

BY COLLEEN WILSON cwilson@westfairinc.com

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MOVING SOUTH PAGE 11

Joseph D. Roberto, president and CEO of PCSB bank, leads his company’s move into new headquarters in Yorktown Heights. Photo by John Golden

hen the insurance plan Ken Fuirst offered to the employees of his small business was renewed in September with slightly changed rates and better coverage, he thought it was too good to be true.

It turns out, he was right.

“Our insurance renewed in September and all the rates were going up but Health Republic seemed to have a very, what turned out to be, too attractive of an offer,” Fuirst said. “We went from delivering very good news to our employees in September to having to 180-degree turn in November.”

Fuirst, president of the property and casualty insurance

firm Levitt-Fuirst Associates LTD in Yonkers, had 18 employees insured with Health Republic Insurance of New York through a small group plan, but the state Department of Financial Services and federal Centers for Medicare and Medicaid Services announced Sept. 25 that Health Republic would be winding down by the end of the year.

In November, Health Republic’s financial situation was determined by the agencies to be worse than initially realized and all policies would end Nov. 30. Those with small group plans would need to find a new insurer before December and individual customers would be automatically enrolled into new plans for coverage in December, but need to find a new plan for 2016. » HEALTH, page 6

Nonprofit funding restored as Westchester County budget passes

BY EVAN FALLOR evan@westfairinc.com

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estchester County’s Board of Legislators passed its $1.8 billion operating budget for 2016 on Dec. 14, restoring about $8.4 million in funding to county non-

profits, as well as parks, planning, public safety and board of elections departments that had been threatened with cuts.

Those possible cuts, which threatened programs and jobs, had led to weeks of activism both in public meetings and online by nonprofits and their supporters.

In a 10-7 vote, the board passed the budget 13 days ahead of its Dec. 27 deadline, making it the sixth straight year with no increase to the county tax levy.

Westchester County Executive Robert P. Astorino’s original proposed budget released on Nov. 13 called for a 20 percent reduction in funding to nonprofits, which would have led to the elimination of several programs and positions.

The board, led by Budget and Appropriations Committee Chair Sheila Marcotte, a Republican representing District 10 (Eastchester, New Rochelle and

Tuckahoe), began its review of the budget Nov. 16. Three days later, before the first of three public hearings on the proposed budget, nine coalitions representing more than 500 Westchester nonprofits held a press conference-turned-rally in support of restoring funding. More than 200 people turned out for the public hearing that night supporting the #KeepWestchesterThriving hashtag created by Nonprofit Westchester.

Of the $8.4 million in restored funds, roughly $2.4 million were given to nonprofits, Nonprofit Westchester Executive Director

Joanna Straub said.

“Between committee meetings and public hearings, we spent many hours and days listening to hundreds of people about county operations and the needs of our nonprofit partners,” Marcotte said. “I am happy that to a large extent we were able to restore many programs and positions.”

The Child Care Council of Westchseter, Inc., Executive Director Kathy Halas, an outspoken critic of the proposed cuts, said in a statement that she was pleased with the outcome. For » NONPROFIT, page 6

High noon in the food court

Biz

Au Bon Pain owner is Woodbury Common’s last holdout

An Au Bon Pain franchise owned by Paul Saran is the last remaining tenant in Woodbury Common’s old food court.

BY EVAN FALLOR evan@westfairinc.com

W

hen Big Brother comes in and tries to take your kitchen, the best thing you can do is keep on cooking.

That’s apparently how Paul Saran sees it.

Saran owns the Au Bon Pain franchise in Woodbury Common Premium Outlets, one that looks likes like any other mall food court restaurant.

It’s got all the usual Au Bon Pain features — hot coffee, turkey clubs and chicken Caesar asiago salads. The only difference — a slowly encroaching wall on either side of the eatery. And it’s the only tenant in an otherwise abandoned food court littered with stepstools, chairs and gated former storefronts.

Simon Property Group, Inc., the Indianapolis-based retail developer that operates Woodbury Common, is the one who built those walls. The corporation is sending Saran a message: assimilate like the rest of your former cohorts or risk being walled in.

All the other former food court tenants have since relocated to Market Hall, the shopping center’s 51,000-square-foot

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new food court that opened in September.

Saran, who has owned his spot for a decade, has refused to follow suit. Though he’d clearly see more foot traffic, his current rent would also see a dramatic increase.

He’s operated like this for several months now, but said that a Dec. 11 meeting with top Simon officials led to a “possible resolution.” Saran declined to comment further at press time, citing ongoing litigation, but said he hopes to eventually be able to speak about the case once all is settled.

In April, he filed a lawsuit against Chelsea GCA Realty Partnership LP, the Simon subsidiary that manages and leases Woodbury Common, in state Supreme Court in Orange County. Piermont attorney Burton Dorfman, listed in court documents as Saran’s lawyer, could not be reached for comment.

Mall officials did not specify what will become of the old food court.

“Our general policy is not to comment on matters that are in active litigation,” Les Morris, a spokesman for Simon Property Group, said in a statement. “Nonetheless, we have acted in accordance with our agreements as we continue to invest hundreds of millions of dollars in Woodbury Common to enhance food and retailer

offerings, customer amenities and parking facilities.”

On a recent chilly Wednesday morning, the former thriving food court resembled more of a barren wasteland. With no heat, the nearly vacant building felt nearly as cold, if not colder, than it did outside.

There was no joyous music playing over the speakers as there was 1,000 feet away at the toasty Market Hall, which was packed with hungry holiday shoppers eating at one of its 11 restaurants that include Chipotle Mexican Grill, Kung Pao Wok, Pret A Manger, Pinkberry and McDonald’s.

The only sounds were the click-clack of shoppers’ heels using the former food court as a shortcut to other stores. But Saran’s franchise did see a relatively steady flow of customers — about 20 in a half hour span. Its 44 tables sat empty, minus two women sipping coffee and a construction worker who used the space to eat his pre-packed lunch. Signs in front of Saran’s Au Bon Pain flaunted the complimentary Wi-Fi at Market Hall and pleaded diners to go there instead.

Stephen Yalof, CEO of Premium Outlets and senior executive vice president of Simon said in September that Market Hall, part of a multimillion-dollar property renovation, increased capacity by more than 60 percent to 900 patrons and brings with it added amenities like cell phone charging stations and improved family restrooms.

“We responded to our shoppers’ demands for a more diverse and higher quality dining experience with healthier options,” Yalof said. “The new Market Hall was constructed to provide the 13 million people who visit Woodbury Common Premium Outlets each year with more food choices and other modern amenities, ultimately adding comfort and convenience to their shopping experience.”

For now, Saran and franchise general manager Jimmy Sotelo will continue to operate out of the old food court, braving the unsightly wall and lack of heat during the holiday season.

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The owners said the three new tenants bring the property to 98.5 percent occupancy.

INBRIEF THREE TENANTS JOIN REVAMPED VALHALLA OFFICE BUILDING New Jersey-based owners of 465 Columbus Ave. in Valhalla said the approximately 100,000-square-foot Class A office building is near full occupancy with the additions of three tenants.

KABR Real Estate Investment Partners LLC and Capstone Realty Group Inc. announced that three divisions of Westchester Health Associates, the multispecialty physician group practice based in Katonah, recently signed 10-year leases for a total of 15,000 square feet of office space at 465 Columbus.

In addition, two divisions of Royal Philips N.V., the Dutch technology company, have signed five-year leases at the recently renovated building. Philips Electronics will lease 6,100 square feet and Philips Lighting will lease 1,100 square feet of office space.

The Valhalla building is near Westchester Medical Center, where hospital officials in June announced a $500 million, 15-year partnership with Royal Philips Electronics to provide managed services for the medical center’s expanded health network in the Hudson Valley.

Craig Ruoff and Rick Rakow, of Rakow Commercial Realty Group in White Plains, brokered the Westchester Health Associates deal for both the tenant and KABR/Capstone.

The landlord said Philips Lighting and Philips Electronics were represented by Reid Mauro, associate at Jones Lang LaSalle.

KABR and Capstone in 2012 acquired the 27-acre Columbus Avenue property from lender GE Capital after its previous owner, Westport-based Abbey Road Advisors LLC, defaulted on a $13.6 million mortgage. It was the first purchase in Westchester for the real estate partners, which target distressed commercial properties for purchase. Based in Englewood, Capstone since 2008 has purchased more than $250 million of defaulted commercial mortgages and commercial real estate, according to the company.

“The execution of leases by Philips and Westchester Health reaffirm our strategy of purchasing well-located, distressed commercial assets at the right basis, investing in significant physical improvements, and then bringing the properties back onto the market with an aggressive leasing strategy,” said Adam Altman of KABR Group in a press release.

The New York City Department of Environmental Protection leases approximately 50 percent of office space at 465 Columbus. Other tenants include Sleep Services of America and Effective Telemarketing Inc.

HEALTH CARE, EDUCATION FIRMS LEASE RIDGE HILL OFFICES A surgical specialty group and a computerbased testing company have leased space at 73 Market St. in Westchester’s Ridge Hill, the 1.3 million-square-foot mixed-use development in Yonkers.

The long-term leases were announced by Colliers International, the brokerage representing Ridge Hill’s Brooklyn-based owner, Forest City Ratner Cos. Scarsdale Oral Surgery has leased 4,000 square feet of space for a new surgery center, the practice’s fourth location in Westchester County.

Pearson VUE, part of London-based Pearson PLC and the Pearson Education family of companies, leased 2,500 square feet of office space. The company, which does professional licensing and certification testing, expects to open its Yonkers office by the end of this year, according to Colliers brokers.

Both tenants will occupy the third floor of the 250,000-square-foot Class A building.

Representing the landlord in the deals was the Colliers International team of Al Gutierrez, executive managing director of the firm’s Stamford office, senior managing director Ian Ceppos, director Stephanie Coleman, and associate Cameron Paktinat.

Westmed Medical Group occupies the second floor of 73 Market St., while the first floor includes both retail and office space. Colliers is marketing the third floor as multitenant space.

Colliers brokers said approximately 50,000 square feet of space is available in the mixed-use building.

EX-IM BANK RENEWED AS PART OF U.S. TRANSIT BILL President Barack Obama signed off on a $305 billion transportation-funding bill Dec. 4 that also renewed Export-Import Bank of the United States.

The legislation, which renews the Ex-Im Bank’s charter through Sept. 30, 2019, was voted in favor of overwhelmingly by both parties in both chambers of Congress on Dec. 3.

The 81-year-old credit agency expired for the first time in its history in June after the House of Representatives failed to vote on a bill that would have renewed its charter. For more than five months, the agency, which helps U.S. companies decrease risk with overseas business transactions, has not been able to process applications or take on new business.

Data on the Ex-Im Bank’s website showed that since 2007 around 30 businesses in Westchester and Rockland counties have used the agency, exporting about $820 million worth of goods during that time.

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DECEMBER 21, 2015

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Frank’s Nursery property may become assisted living facility

BY COLLEEN WILSON cwilson@westfairinc.com

F

ollowing years of controversy involving legal skirmishes, an environmental study, an auction that never happened and dozens of town board meetings, the environmentally tainted property known as Frank’s Nursery is expected to be voted on and passed by local lawmakers to authorize a $3.5 million purchase and sale agreement.

If approved by the Greenburgh Town Board, the purchaser, Capitol Seniors Housing LLC, looks to build an assisted living facility at 715 Dobbs Ferry Road.

with between 90 and 100 units.

According to the agreement, the developer will clean up the property using funds the town puts into an escrow account. The cost of the cleanup cannot exceed $2 million, according to the drafted agreement, and will be determined through “feasibility study” talks with the state Department of Environmental Conservation, the town and Capitol.

After the cost of environmental remediation is determined, Capitol will have 24 months to acquire the necessary permits, licenses and approvals, including licensing and approval by the state

Department of Health required for assisted living facilities.

In a memo, Harold J. Bordwin, principal and managing director at GA Keen Realty Advisors hired by the town in 2014 to market the property, advised the town that based on the “property’s environmental conditions and restrictive zoning” the offer made by Capitol is the “highest and best in the marketplace.”

The property was contaminated with about 500 gallons of carcinogenic No. 2 fuel oil in 2001 when the Frank’s Nursery & Crafts site was owned by S&D Realty.

The town acquired the 7-acre property

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after it was foreclosed on after the realty company filed for Chapter 11 bankruptcy.

The situation got messier in 2011 when around roughly the same time Greenburgh received offers from two different sport facilities that made offers for the property. Game On 365 LLC put up $1.7 million for the land and a promise of $1.3 million over 13 years. House of Sports, of Ardsley, offered a cash deal of $3.5 million.

Ultimately, neither was chosen after both companies threatened lawsuits if Greenburgh chose either deal.

Woodard & Curran Engineering, a Harrison-based company, was hired in 2013 to study the site and found it could cost millions to clean up.

In June 2014, the Keen brokerage firm was hired and an auction was scheduled for November 2014, which fell through after bidders hesitated over making offers without knowing more specific environmental costs to fix up the site.

The Capitol development group was one of four applicants – the others being a storage facility, a 200-unit apartment complex and an independent living facility – considered after the auction process earlier this year by Keen when it was decided the town should work with a preferred buyer.

From there, Keen, the Greenburgh Town Board and the community discussed the options, which found that an assisted living facility that would not require rezoning was most desirable.

At press time, the town board had not yet met, but was scheduled to vote on the resolution Dec. 16.

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DECEMBER 21, 2015

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Health — From page 1

Health Republic was one of 23 consumeroperated and -oriented plans, shortened to co-ops, created around the country through the federal Affordable Care Act to make insurance marketplaces more competitive.

Twelve of those co-ops no longer exist, which is in part due to promised federal funds that were not disbursed after getting cut from the budget.

Fuirst said he had to tell his employees they were no longer covered and would need to pick a different plan that would likely be significantly more expensive.

“It caused tremendous stress to everyone involved, employees, especially those who had certain doctors (and) had made changes back in September,” he said. “I think the DFS has been very transparent, but it moved much quicker than anyone had expected because initially they said the small groups were not going to be impacted.”

Fuirst’s business is one of 9,784 small groups that were insured with Health Republic in Westchester County and have

Nonprofit — From page 1

her organization, the passed budget will maintain $1.4 million in Title XX funding and will restore funding for the child care subsidy specialist position, which would have otherwise been eliminated.

“Together, we made it clear that quality early care and education is a priority not only for families who want their children to reach their full potential, but for the business community who will count of today’s children to be tomorrow’s workforce,” Halas said.

Not all were pleased with the passed budget. County Legislator Alfreda Williams, a Democrat representing District 8 (Elmsford, Greenburgh, Sleepy Hollow and Tarrytown) who voted against the budget, said it is not balanced and does not provide the same financial flexibility that past budgets have allowed for, adding that it will not cover expiring union contacts, the settlements for which she estimated could reach $20 million.

The budget expects a 4 percent growth rate in sales tax revenue next year, which she called an “aggressive assumption,” especially in comparison to the 1-to-2 percent sales tax revenue growth many county municipalities budget for, according to independent auditors.

“While we have a ‘balanced’ operating budget with no tax increase, the 2016 budget

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started looking for new insurance carriers.

North Shore-LIJ CareConnect Insurance Company Inc., headquartered in East Hills, is one of many insurers looking to draw former Health Republic customers. And so far, that has overwhelmingly been the case, according to the network’s president and CEO Alan J. Murray.

“In November, CareConnect had approximately 29,000 commercial members and we more than doubled for Dec. 1,” Murray said. The majority of those small group enrollees, he said, had been Health Republic members.

Murray said the quick turnaround to get customers insured was also a challenge for CareConnect, whose network includes Mount Kisco Medical Group, Phelps Memorial Hospital Center, Montefiore Health System and Westmed Medical Group.

“We’re talking about a population that lost their coverage and are both nervous and fairly desperate to get a security blanket,” he said.

From an operations perspective, Murray said CareConnect employees were working overtime in order to field the increased

is structurally imbalanced and will create significant financial challenges for the county and taxpayers in the future,” Williams said.

“It ... will wind up spending more money than Westchester County has at the moment.”

Her concerns over sales tax were also echoed by County Legislator Catherine Parker, the Democrat who represents Mamaroneck, Rye, Larchmont and portions of New Rochelle and Harrison in a separate statement.

The $216 million capital budget, also approved by the Board of Legislators, will help fund the roughly $1.3 billion backlog of approved capital projects, Williams added.

Following the Westchester County Board of Legislators’ vote to restore nonprofit funding in the proposed 2016 county budget, officials from Nonprofit Westchester and the League of Women Voters of Westchester called on a moderate sales tax increase in 2016 out of concerns of whether the budget “provides sufficient revenue to ensure fiscal health” going forward. No such tax increase was adopted. Astorino has maintained since taking office in 2009 that he would not implement any tax levy increase.

Board of Legislators Chairman Michael Kaplowitz, a Democrat representing District 4 (New Castle, Somers and Yorktown), said that although he voted in favor of the budget and called it a “vast improvement” over Astorino’s proposed budget, he was concerned about the budget’s viability going forward because of an estimated $10 million

number of calls, process applications and get new member information and cards sent in the mail.

“While I think we did a good job, we still had a lot of nervous consumers,” he said.

And consumers aren’t the only ones feeling anxious.

Hospitals, physicians and other health care providers have yielded hundreds of millions of dollars in unpaid claims across the state from the roughly 200,000 people once covered by Health Republic.

Kevin W. Dahill, president and chief executive officer of the Suburban Hospital Alliance of New York State LLC, wrote a letter to the state Department of Health and Human Services earlier this month to express the group’s concerns about unpaid claims.

“While we understand that the state’s most urgent priority was ensuring continuing coverage for Health Republic’s members, there has been no direct communication from the state to providers about how to manage this transition or how the state intends to address unpaid claims,” the letter said.

The alliance, which includes 51 hospitals

in the Hudson Valley and Long Island, said in the Dec. 4 letter that nearly $100 million is owed in reimbursements from the insurer.

Health Republic also owes $265 million in federal loans that were lent to get the co-op off the ground.

The state Department of Health and Human Services did not reply to requests for comment.

A spokesman with the state Department of Financial Services said in an email: “The department is working to ensure the orderly wind down of the company and preparation for a liquidation proceeding to make sure claims are paid to the fullest extent possible allowed by available assets.”

The mitigation efforts made by the state include hiring an independent monitor to take over the management of Health Republic as it closes shop, automatically enrolling individual customers into plans with comparable coverage for the month of December, and extending this month’s open enrollment deadline date for coverage in 2016 to Dec. 19 from Dec. 15.

The Department of Financial Services is also investigating the accuracy of Health Republic’s financial reporting.

ArtsWestchester CEO Janet Langsam, center, flanked by supporters.

sales tax shortfall in 2015.

“There are some elements of the budget that will require close supervision throughout the year,” Kaplowitz said. “We saw diminished sales tax revenue this year because of plummeting fuels costs which will leave us short of what we anticipated. As a result we will likely have to use dollars from our fund balance to make up that shortfall. I am afraid that we may find ourselves in a similar position next year.”

Kaplowitz said the county sales tax rate, which currently is the fourth-lowest in the state at 7.375 percent, was considered being

raised to 7.9 percent after a zero percent growth rate in 2015. That bump would have brought in roughly $75 million to the county, which would have been shared with school districts and municipalities, he said. He added that every percent that the county tax rate does not grow means an annual loss of roughly $5 million in funds.

A 1-percent property tax increase that would have cost each household roughly $17 was also being considered.

Kaplowitz said Astorino promised not to veto the budget. He is expected to sign it later this month.

Yorktown Costco and BJ’s lawsuits separated by judge

BY EVAN FALLOR evan@westfairinc.com

A

state Supreme Court judge has separated a lawsuit contesting the expansion of an existing Yorktown BJ’s Wholesale Club to include a gas station and the arrival of a Costco Wholesale and members-only gas station into two separate cases.

The lawsuit against the Town of Yorktown was adjourned Dec. 16 at the state Supreme Court in White Plains, with the next scheduled appearance set for Jan. 20. For the newly filed lawsuit against Breslin Realty Assoc., the parent company of the developer of the Costco project, the next appearance was scheduled for Dec. 17.

State Supreme Court Judge Francesca E. Connolly ruled in October that the suit, filed by local independent gas station owners in April amid concerns of the bigbox stores’ ability to sell gas at cheaper prices, would be split up because of individual project differences.

In April, Yorktown Smart Growth, a citizens development watchdog group; Yorktown Gas Mart Inc.; and Quick Stop Central Ave. Inc. filed a lawsuit both against the town and Breslin Realty Assoc., the parent company of Retail Store Construction Co, the Garden City developer that plans to construct a 151,000-square-foot Costco location with a 12-pump, members-only gas station on a nearly 19-acre parcel at 3200 Crompond Road. Also challenged in the suit is a rezoning that would allow for the construction of a gas station at the existing BJ’s store at 3303 Crompond Road.

The Town Board last December approved both the special permit applications filed by Costco and BJ’s that would allow for the construction of gas stations at both properties. The Yorktown Planning Board approved the $60 million Costco plan in November.

The plaintiffs have argued that the projects should be heard together because they would allow “for the first time in Yorktown, the development of retail ‘bigbox’ stores in combination with gasoline filling stations.”

New Paltz attorney James B. Bacon is representing the group.

According to court documents, the petitioners argue nine legal violations, including that the Town Board is violating its own zoning code, which contends that gas stations can only be paired with small retail stores; both the rezoning of the BJ’s property and the approval of special use permits for both BJ’s and Costco were in

contravention of the Yorktown comprehensive plan; and the BJ’s re-zoning is impermissible spot zoning.

The town called for two separate proceedings, arguing that the projects are distinct. While BJ’s is looking to expand on its existing location, the Costco project involves an entirely new warehouse club and gas station on a separate piece of property.

In her analysis, Connolly sided with the town.

“Other than the similarity between the type of business conducted by these entities, the five administrative determinations that are the subject of the petition are, in fact, quite distinct from one another,” Connolly wrote. “The Costco project constitutes an entirely new development, whereas the BJ’s project involves the expansion of an existing retail location.”

“The petitioners’ allegations of spot zoning pertain only to the BJ’s project,”

she added.

The suit also names BJ’s; the Yorktown Town Board, the Yorktown Planning Board, UB Yorktown, LLC; Realty Income Pennsylvania Properties Trust 2; 3200 Crompond, Ltd.; and Best Rent Properties 202, LLC. The defendants argued that the big-box stores could sell gas at cheaper prices and cited traffic studies that showed a sharp uptick in congestion should both plans come to fruition.

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DECEMBER 21, 2015

7

ASK ANDI

BY ANDI GRAY

Good accounting practices must be a top priority THOUGHTS OF THE DAY: Pay attention when accounting says they’re overwhelmed, as their performance is essential to a healthy business. Putting accounting in an area where they can’t be easily disturbed is a really good idea. Look for opportunities to involve people from around the company in accounting functions. The more your people understand what makes the numbers work, the more they can help ensure a profitable year.

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This week’s dilemma: Office staff doesn’t know enough about our accounting system, or accounting in general. The accounting department says they’re overwhelmed. If anyone in that department is out sick, they get really behind. Space is very limited in accounting, and they’re dealing with a lot of interruptions. We could be doing a better job with the numbers side of the business. Any suggestions?

The more interruptions in accounting, the worse things get. Mistakes get made. People have to go back to the beginning of what they were doing before the interruption and start over. Things get lost. Priorities get interrupted.

You don’t want any of that when it comes to managing the financial side of your business.

While it is helpful to have people in accounting interacting with the rest of the company, there’s a time and a place to do that productively. Identify space in the building where the finance department can be set up as a working unit. Having a door to limit access to the finance department can cut down on disruptions and keep out people who don’t belong in there or would be a distraction.

Make sure that records are kept locked up, as you don’t want sensitive information leaving the department. Give finance their own printer so that the checks and reports they print remain within the department.

Make sure that accounting is well staffed and well trained. When they have problems staying on top of tasks such as invoicing, collections, managing inventory, reporting and analysis, that can spell big trouble for the company.

Look at seasonal swings in the business where the accounting workload might increase or decrease significantly. Don’t wait until the last minute to hire temporary staff.

Line up assistance from an outside agency to help with short bursts of workload. Consider turning to your accounting firm for additional analysis help in peak season. Only hire people whose background checks come back pristine — don’t take risks with your money.

Assign analysis to a top person in the finance department. Ask that person to set up key measure reports that can be easily populated and graphed by staff. Expect weekly, monthly and quarterly reports on the finances of the business. Some of the things you want to look at include: gross profit and net income, amount in accounts receivable and its relationship to invoicing, comparison of accounts receivable to accounts payable, amount of cash on hand, cash flow report, number of overtime hours, and amount invoiced. The list can seem endless. Agreeing on a standard set of items to track and the format in which they are reported with simplifies things for everyone.

Other people in the company can help the accounting department get its job done.

Entering data that goes into invoices can be done by sales and operations personnel. They can also make calls to collect outstanding accounts, keep a watch on overtime and help price out materials. Define roles and expectations including turnaround times, so that everyone is on the same page.

Accounting, page 9

8

DECEMBER 21, 2015

WCBJ | HV Biz

Fantasy sports sites can continue operations in New York for now

BY EVAN FALLOR evan@westfairinc.com

F

ollowing an investigation by Attorney General Eric T. Schneiderman into the legality of daily fantasy sports betting games, a New York State Supreme Court judge has ruled that websites DraftKings Inc. and FanDuel Inc. are barred from doing business in New York.

Justice Manuel J. Mendez on Dec. 11 granted a preliminary injunction to block either of the organizations from accepting entry fees, wagers or bets within the state.

However, an appeal by both sports fantasy juggernauts on the grounds that they were accepting entry fees rather than wagers was granted later Dec. 11 by the court, allowing them to continue operating until January when the issue can be addressed by a panel of judges.

“We are pleased with the decision, consistent with our view that DraftKings and FanDuel are operating illegal gambling operations in clear violation of New York law,” Schneiderman said. “I have said from the beginning that my job is to enforce the law, and that is what happened today.”

In a statement, DraftKings officials said they were “deeply disappointed” in Mendez’s ruling, and encouraged players to reach out to legislators in support of their operations.

Officials said the immediate stay of the injunction means “that you can continue to play

daily fantasy sports in New York for now.”

“We expect an appellate court to see what we have seen from the outset: that DFS is a game of skill, one that builds community and whose competitive spirit has become central to the lives of millions of people,” the statement read. “Our appeal will make clear that daily fantasy contests require just as much skill as do season-long contests, which the Attorney General recognizes as perfectly legal under state law.”

Schneiderman’s office first launched an

investigation into FanDuel and DraftKings on Oct. 6, after allegations that employees of the websites used inside information to gain an advantage in winning fantasy competitions.

DraftKings Written Content Manager Ethan Haskell allegedly won $350,000 this fall playing on FanDuel, a rival company, which brought into question the inside information daily fantasy company employees may have.

According to court documents, “The NYAG claims that the ‘entrance fee’ is not returned in the event of a loss and because

the statute only requires ‘something of value,’ not requiring that it be classified as a ‘bet or wager’ the ‘entrance fee’ is sufficient to establish gambling,” A cease and desist letter was delivered to both companies on Nov. 10, and FanDuel filed a complaint arguing that the company functions as a game of skill. Lawyers for both New York-based FanDuel and Boston-based DraftKings have argued that daily fantasy competitions are games of skill. The companies are each valued at more than $1 billion.

Accounting — From page 8

Look for people from around the company who gravitate to financial tasks. It makes a lot of sense to recruit internally, especially for such a sensitive area as finance.

Ask the accounting department to set up training programs to teach employees from other departments about what makes the company profitable. The more employees understand their role in driving profitability, the better. Make sure they get reports on how they’re doing so they can measure progress and fix problems.

Looking for a good book? “Accounting for The Numberphobic; A Survival Guide For Small Business Owners”, by Dawn Fotopulos.

Andi Gray is president of Strate�y Leaders Inc., Strate�yLeaders.com, a business consulting firm that teaches companies how to double revenue and triple profits in repetitive growth cycles.

Have a question for AskAndi? Wondering how Strate�y Leaders can help your business thrive?

Call or email for a free consultation & diagnostics: 877-238-3535, AskAndi@Strate�yLeaders. com. Check out our library of business advice articles: AskAndi.com

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Which is a healthy solution for everyone.

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visit uhc.com/metro

NY-15-583 Premium rates, plan designs, and/or the new Metro network have been filed and are subject to approval by regulators. Oxford HMO products are underwritten by Oxford Health Plans (NY), Inc. Oxford insurance products are underwritten by Oxford Health Insurance, Inc.

WCBJ | HV Biz

DECEMBER 21, 2015

9

THELIST: HEALTH INSURANCE COMPANIES

REGIONAL HEALTH INSURANCE COMPANIES

WESTCHESTER AND FAIRFIELD COUNTIES

REGIONAL

Listed alphabetically.

Name Address Phone number Website

Top local executive(s) Year agency established

Types of health care insurance offered

Locations served

Total employees

2014 revenue

Aetna

Mark T. Bertolini Chairman and CEO 1853

Medical, pharmacy and dental plans; life and disability plans; Medicaid services; behavioral health programs and medical management for individuals/families offering student insurance, international insurance and dental coverage

National

50,280

$58 billion

Joseph R. Swedish President and CEO 1997

Network-based dental products and health-plan services for individuals/families and employers; a variety of PPOs and HMOs; Medicare

12 states, including Connecticut

NA

$74 billion

Alan J. Murray CEO 2013

Access to more than 17,000 physicians; preventive care 100 percent covered; pediatric, vision and dental insurance; more than 1,000 walkNew York state in clinics and urgent care centers; plans for individuals/families and small and large employer groups

54,000

NA

CBIA Health Connections

John Brennan President and CEO, CBIA NA

Private insurance for companies with three to 50 employees; insurance products include medical, life and disability and dental; voluntary benefits include employee-paid dental and vision options; additional services include workers' compensation and pet insurance

Connecticut

NA

NA

Celtic Insurance Co.

Richard Lynch President and CEO 1978

Health insurance services for individuals, children, families and the self-employed; individual care plans, including economical basic health coverage, HSA qualified health, short-term medical insurance and student health insurance

25 states, including Connecticut

NA

NA

David Cordani President and CEO, Cigna Corp.

1982

Products offer medical, dental, supplemental, behavioral health, pharmacy, vision care, benefits, health coaching, condition management, group life, accident and disability insurance; group insurance provides disability, life and accident products to individuals through their workplace, association or affinity group

International

37,200

$35 billion

ConnectiCare

Michael Wise President and CEO 1981

Products on a fully insured and self-funded basis, including HMOs, POSs, PPOs, HSAs, HRAs, individual health plans and Medicare advantage; Connecticare BeneFIT offered for 51 or more eligible employees

Connecticut state; Hampden, Hampshire, Franklin and portions of Berkshire counties in western Massachusetts; metro New York area, including the five boroughs of New York City, Westchester, Putnam, Oranged and Rockland counties

500 employees based in Farmington

NA

EmblemHealth Inc.

Karen M. Ignagni President and CEO 2006

Products for single business-owner, individual and families, including Medicare, Medicaid, Child Health Plus and long-term care options; small-and-large group plans for employers

New York state

NA

NA

Empire BlueCross BlueShield

Joseph R. Swedish President and CEO 1934

Products, including PPOs, EPOs, HMOs, POSs, specialty and senior products, group plans, individual plans, Medicare Advantage plans, pharmacy, dental, vision, behavioral health, life and disability; also includes catastrophic coverage

New York state

More than 4,200 associates

NA

Fidelis Care

Rev. Patrick J. Frawley President and CEO 1993

New York state, Catholic health plan offering free or low-cost comprehensive health insurance, including Medicaid Managed Care, New York state Medicare Advantage, Child Health Plus and products through New York State of Health

2,400

$5 billion

HealthyCT

Ken Lalime, CEO Entity founded 2011 Opened Oct. 2013

Nonprofit offering plans for individuals and businesses that are sold through brokers via healthyct.org and on the state health insurance exchange

Connecticut

NA

NA

Mid-Hudson VIP

Paul Strothenke Co-founder 2002

Provides affordable insurance plans for businesses with two to 1,000 employees, specializing in health, dental, life and disability

Hudson Valley and the capital area of New York state

NA

NA

Mohawk Valley Physicians Health Plan (MVP)

Denise Gonick President and CEO 1982

PPOs, EPOs, HMOs and high-deductible plans for individuals and families; Medicare and Medicaid; group plans for two to 100 employees

New York and Vermont

More than 1,400 employees

NA

Oscar Health

John Kushner CEO 2012

Digital insurance company for Obamacare insurance; free doctor visits, free preventive care, free generic drugs

New York state and New Jersey

NA

NA

Oxford Health Plans

Charles G. Berg President and CEO 1984

Products include health maintenance organization, point-of-service and preferred provider organization products; Medicare; network of more than 57,000 physicians and 227 hospitals

New York, Connecticut and New Jersey

3,300

NA

Bob Pomfrey President and CEO 1978

Mid-and large-sized companies; self-funded benefits and risk management solutions for medical, dental and vision benefits management; pharmacy benefits; HRAs and HSAs

National

NA

NA

Stephen J. Hemsley CEO, UnitedHealth Group 1984

Serves needs of individual consumers and employers of all sizes; individuals age 50+ through Medicare and other products; U.S. military and their families

National

NA

NA

Richard A. Barash Chairman and CEO 1945

Senior insurance products, including health and life insurance for people ages 50+; senior managed care, Medicare Advantage HMOs, and PPOs

Licensed to market Medicare and insurance products in all 50 states and the District of Columbia

2,000

$2 billion

151 Farmington Ave., Hartford, Conn. 06156 860-273-0123 • aetna.com

Anthem Health Plans Inc.

(d.b.a. Anthem Blue Cross and Blue Shield of Connecticut) (Subsidiary of Wellpoint Inc.) 370 Bassett Road, North Haven, Conn. 06473 203-985-6360 • anthem.com

CareConnect Health

(d.b.a. North Shore-LIJ CareConnect Insurance Co. Inc.) 2200 Northern Blvd. East Hills, N.Y. 11548 855-706-7545 • nslijcareconnect.com

350 Church St., Hartford, Conn. 06103 860-244-1900 • cbia.com/ieb/

233 S. Wacker Drive, Suite 700, Chicago, Ill. 60606 800-477-7870 • celtic-net.com

Cigna Corp.

900 Cottage Grove Road, Bloomfield, Conn. 06002 800-997-1652 • cigna.com

175 Scott Swamp Road, Farmington, Conn. 06034 860-674-5757 • connecticare.com

55 Water St., New York, N.Y. 10041 646-447-5000 • emblemhealth.com

(Subsidiary of Wellpoint Inc.) 1 Liberty Plaza, 165 Broadway, 13th and 14th floors, New York, N.Y. 10006 212-476-1000 • empireblue.com

95-25 Queens Blvd., Rego Park, N.Y. 11374 718-896-1910 • fideliscare.org

35 Thorpe Ave., Wallingford, Conn., 06492 1-855-HLTHYCT (458-4928) • healthyct.org

15 Plattekill Ave., New Paltz, N.Y. 12561 845-255-0635, ext. 301 • midhudsonvip.com

Headquarters: 625 State St., Schenectady, N.Y. 12301 1 Summit Court, Second floor, Fishkill, N.Y. 12524 800-666-1762 • mvphealthcare.com 295 Lafayette St., New York, N.Y. 10012 844-672-2766 • hioscar.com (A division of UnitedHealthcare) ∫48 Monroe Turnpike, Trumbull, Conn. 06611 800-216-0778 • oxhp.com

POMCO Group

Headquarters: 2425 James St., Syracuse, N.Y., 13206 565 Taxter Road, Suite 100 Elmsford, N.Y., 10523 914-347-7960 or 800-934-2459 • pomcogroup.com

UnitedHealthcare

(A division of UnitedHealth Group) 185 Asylum St., Hartford, Conn. 06103 860-702-5000 • uhc.com

Universal American *

44 S. Broadway, Suite 1200, White Plains , N.Y. 10601 914-934-5200 • universalamerican.com

This list is a sampling of health insurance companies serving the region. If you wish your company to be included in our next list, please contact Danielle Renda at drenda@westfairinc.com. *

Parent company of American Pioneer, American Progressive, Constitution Life, Marquette National and Pyramid Life.

HMO HSA

10

Health maintenance organization • HRA Health savings account • POS

DECEMBER 21, 2015

WCBJ | HV Biz

Health reimbursement arrangement • PPO Point of service

Preferred provider organizations

SPECIAL MID-YEAR REVIEW REPORT BANKING

New growth draws on old roots at PCSB Bank

BY JOHN GOLDEN jgolden@westfairinc.com

D

elivery truck crews unloaded boxes of new office furniture in a lifting morning fog as Joseph D. Roberto began the work week in his new corner office in his company’s new headquarters in Yorktown Heights. Framed photos of New York Yankee greats on the walls of his CEO office were among the few adornments already in place in the 25,000-square-foot headquarters of PCSB Bank. The bank’s colorful new logo, featuring blue lettering and a green-leafed blue tree, was newly mounted behind the reception desk in the small front lobby.

Roberto led a visitor on a tour of the single-story office at 2651 Strang Boulevard in Northern Westchester Executive Park as bank employees in the first wave of a staggered relocation settled into their departments’ new quarters and learned to navigate an initially confounding maze of corridors. Romero, the bank’s president, chairman and CEO since 2012, said about 65 to 70 employees will work in Yorktown Heights when the relocation is completed in mid-January.

Built 50 years ago, the approximately 150,000-square-foot building originally was occupied by IBM Corp., said Romero, and later by Empire Blue Cross/Blue Shield, but has been largely vacant for a few years after the health insurer relocated in the Hudson Valley. Mercy College is the building’s only other tenant.

The office park’s landlord, GHP Office Realty LLC, last year acquired the two-building property, the former Taconic Corporate Park, after a previous owner defaulted on a $14.5 million mortgage. GHP said it invested $6 million in capital improvements last winter. PCSB officials said the landlord gutted the space and redesigned it for the new bank tenant in a 4-month buildout.

Roberto opened a door and pointed to a long conference table. “We finally have a boardroom that will fit everyone” on the bank’s nine-member board, he said. The new headquarters also has an employee training classroom that Roberto said might be made available for community uses.

“It seems like a lot of space, but it will be filled,” he said of the still largely empty office.

CEO Joseph Roberto shown with the new logo for the renamed Putnam County Savings Bank.

“This was the perfect location, because two miles up the highway, you’re up in Putnam County,” where many PCSB employees live, said Roberto, an East Fishkill resident. The Yorktown location also puts the bank’s headquarters at the center of its expanded geographical footprint.

Until a few months ago, PCSB operated as Putnam County Savings Bank, a statechartered mutual savings bank based in Brewster that has operated in that county since 1871. The name change and the move of its corporate operations center to northern Westchester follows the bank’s expansion into southern Westchester County this year with its acquisition of CMS Bancorp Inc. in White Plains and the publicly traded holding company’s five CMS Bank branches in Eastchester, Greenburgh, Mount Vernon, West Harrison and Mount Kisco.

With the acquisition, PCSB has $1.2 billion in assets and a total of 182 employees, up from about 145 employees previously. PCSB’s main banking office will remain in Brewster.

The formal name change — the acronym already was commonly used by the

bank and its established customers — with the bank’s new logo — the tree’s 15 leaves only coincidentally match the number of PSCB branches in four counties — “kind of symbolizes the rebirth of the bank in terms of what we’ve tried to accomplish,” said Romero. “Putnam has always been the sleepy bank. It existed for 143 years but no one knew about it.”

For Romero, the CMS acquisition has been more than a strategic business move he opportunely pursued. “Personally, I’ve kind of gone full circle,” he said.

A Mount Vernon native, Roberto opened his first bank account at the former Mount Vernon Savings and Loan with earnings from his newspaper delivery route. That bank later became CMS. PCSB now operates its southernmost branch in Mount Vernon.

Roberto’s own start and rise in a nearly 43-year banking career seems a story from a bygone American era.

A 1970 graduate of Mount Vernon High School, he was pursuing business studies at Pace University with no clear career ambitions and packing groceries at the former

Ashburton Food Center in Yonkers, where Roberto’s father was store manager. A vice president of Yonkers Savings and Loan Bank shopped there every Saturday, Roberto recalled, and the Pace student was regularly rewarded with a 10-cent tip for carrying the banker’s groceries on a three-block uphill walk to his home.

The banker one day offered the grocery clerk a job as a teller. “I never thought I was going to get into banking at all,” Roberto said. “I looked at it as an opportunity. I said, why not? I took the job.”

At 20, he began work at Yonkers Savings and Loan. He never completed studies for a college degree.

“I grew with the bank,” he said. Twentythree years after his hiring, he was named CFO when the Yonkers savings bank went public in 1996.

By 2002, when the bank was sold to Atlantic Bank of New York, it had grown from one branch and $50 million in assets at the start of Roberto’s career to nine branches and $650 million in assets.

Bank, page 12

WCBJ | HV Biz

DECEMBER 21, 2015

11

LKB-2987 Hudson Valley Biz December 5x11.5_LKB-2987 Hudson Valley Biz December 5x11.5 12/8/15 11:08 AM Page 1

Local. Trustworthy.

Lending Experts.

Brian Joyce Vice President

John F. Rath, III Senior Vice President

David Apps Vice President

At Lakeland Bank, the relationships we develop with customers are governed by the principles of trustworthiness: honesty, integrity and reliability.

Bank — From page 11

“Back then with a small community bank like that, you were allowed to understand all aspects of banking,” he said. “You really weren’t specialized in any one area.

Today, everybody’s a specialist. It’s a little tougher today to have to ability to grow with the bank.”

Leaving the Yonkers bank after its sale, “I bounced around for three years” in posts at four banks, Roberto said. “I wanted to find a spot where I could spend the rest of my career.”

Roberto had sent his executive resume to Daniel Ryan, president of Putnam County Savings Bank. Three years later, he heard back from Ryan.

“I said, ‘I’ve been waiting by the phone for your call for three years.’” Roberto in 2005 was hired as CFO at Putnam County Savings Bank. After Ryan’s retirement in 2011, Roberto the next year was named to succeed him as president, chairman and CEO. “When I took over the bank, I had a different vision for the bank,” he said. “I thought we had something special here.”

With its footprint in Putnam, northern Westchester and southern Dutchess counties, “I believed the bank had the potential to be a force for banking in the Hudson Valley” that could compete with larger regional banks.

Consolidations in the industry had caused a “dramatic decline” nationwide in the number of banking institutions, leaving a void in the community banking sector, Roberto said. The Westchester Bank, which opened in 2008 in Yonkers, had filled the void left by Yonkers Savings and Loan.

Greater Hudson Bank, founded in 2002 and recapitalized in 2008, had similarly stepped

in to meet a need for community banks in the region, he said.

“That’s what we looked at as a great opportunity for us,” Roberto said, “believing that our size — almost $1 billion — gave us some nice flexibility” to make larger commercial loans of up to $15 million and compete with regional banks while providing the smaller business loans, home mortgages and personal service of a local bank.

PCSB in 2013 opened its first Rockland County branch in New City. But Roberto had visions of expansion in his native Westchester, where the Brewster-based bank had three branch offices.

Opportunity came when CMS Bancorp’s announced $20.8 million merger deal with Customer Bancorp Inc. in suburban Philadelphia was terminated in 2013.

Roberto said he began negotiations with CMS after that deal fell through. Putnam County Savings Bank in 2014 agreed to acquire CMS in an approximately $25.4 million all-cash deal completed earlier this year.

“The merger with CMS Bank did give us a nice solid footprint in the White Plains area and south that we did not have before,” Roberto said.

As a community bank, “We will still maintain the philosophy that person-toperson customer service is important, and a good portion of our customer base. We realize that not everybody embraces technology in the banking world today.”

Does PCSB plan to further expand in Westchester and the Hudson Valley?

Not in the near future, Roberto indicated. With the CMS deal and the move to new headquarters, “It’s one of those things now where you’ve got to let everything settle in,” he said.

“If there are opportunities, we’ll just extend our footprint,” said Roberto. “It has to make business sense for us.”

It’s what our customers expect, and it’s what we deliver every day.

Hudson Valley Commercial Lending Team

845-827-3153

NEWS NOON @

Sign up now at westfaironline.com

12

DECEMBER 21, 2015

WCBJ | HV Biz

BY ANTHONY DOMINO JR.

I

n addition to caroling and secret Santa gift exchanges, there’s a new holiday tradition of top 10 lists for year-end reflection and yearahead planning. With all due respect to David Letterman, we’re getting in on it, offering you our top 10 ways to make the most of your investments in 2016. The list is in no particular order.

1. Take stock of investment gains or losses. It’s been a volatile year in the markets.

As of mid-December, the Dow Jones Industrial Average (DJIA) is -3.1 percent, S&P 500 -2.3 percent and NASDAQ +4.2 percent (the week before it was up 8 percent). Interest and money market rates remain low, so bond returns are anemic as well. Taxes are the largest eroding factor on your investment portfolio. Balancing out losses and gains — even outside of your portfolio — makes good tax sense. J. Paul Getty was quoted as saying “You can make more money saving taxes than you can by making more money.” Do a quick inventory of your portfolio now and have a discussion with your financial adviser.

2. Check ex dividend date on year end mutual fund purchases. Most mutual funds follow the above advice and trim their portfolios at year’s end. They pass those gains on to investors as dividends, and the share price drops accordingly. (Index funds tend to minimize this.) You have little control over when and how this happens, but bear the tax burden.

Be sure to factor this into year-end tax planning, and your gain/loss calculations. Also keep this in mind when making new mutual fund purchases between now and year’s end. It may describe why share process look like they are trading at a low.

3. Consider (or reconsider?) a Roth conversion. Back in 1997 — a senator from Delaware — William Roth — impacted U.S. tax code and the retirement planning of millions of Americans. The concept was to allow investors to pay income tax on their IRAs (from another pocket) and let the balance grow tax free. It’s a major upgrade from tax deferred. Roth provisions are now available in 401(k)s as well. This concept is often misunderstood as a planning tool. In the broadest sense, “Rothing” your IRA or 401(k) (yes, it is now a verb) makes sense for two categories of taxpayer. The first are those who will find themselves in a higher tax bracket.

The second are those who have high retirement account balances and want to avoid being forced to take minimum distributions.

4. 401(k) bucket property filled up?

Federal limits on contributions to a 401(k) are now higher than they have ever been. Taxpayers may defer 100 percent of their income up to $18,000 per year into a program (plus an additional $6,000 if you are age 50 as of 12/31/2015).

Same deal for 403(b) or 457 plans. These limits have not been increased for 2016. A reminder: These limits are per person, not per employer.

So, if you changed jobs this year and deferred $10,000 in your old job, the limit in your new job

Top 10 investment tips for 2016 is $8,000. Of course, your new employer has no knowledge of what you deferred in your former position, so keep those old pay stubs!

5. Is your FSA bucket empty? Many employees have activated a type of feature in their medical plan that allows the employer to save for unreimbursed medical expenses on a pretax basis. These plans (called Flexible Spending Accounts) have annual “use it or lose it” provisions. So, if you have a balance, be sure to sift through the pile of statements from your health insurance provider and submit that through your payroll or benefit administrator.

That money may help offset the cost of the latest X-Box controller your child has been begging for. An important thing to note: As of last year, firms are allowed to modify their FSA rules to allow for a $500 carryover. This is optional — not required — so check with your HR department.

6. Check itemized deduction limits.

Taxpayers who itemize are allowed to deduct certain expenses above a threshold of adjusted gross income (AGI). The calculation often requires a bit of effort (AGI is your gross income minus certain deductible expenses, so it may take a draft tax return to identify). The most common expenses are unreimbursed medical, certain moving expenses, some types of alimony, etc. Bottom line: Paying off that carryover hospital or doctors bill may be more effective before year’s end.

7. Consider gifting annual exclusion, medical/educational. Worthy of a top ten list on its own, estate planning rules can be cumbersome and clunky. The most common are the annual gift exclusion and medical/educational exclusions. Every American taxpayer who is a U.S. citizen is allowed to gift any other individual $14,000 per year (email me for direct deposit instructions). For a married couple, that means $28,000 per child or grandchild that can come off the top of their estates. A less frequently used, but potentially more powerful provision is the unlimited amount that may be paid for education or medical expenses. That means that your wonderfully sweet Aunt Betty who loves your kids can pay all four years of Harvard (probably close to $300k) or for those new braces. The catch is that the check must go directly to the provider or the institution.

8. Have you taken RMDs? For high earners, consider donating that RMD directly to a charity. The government spends a significant amount of time creating rules to encourage longterm retirement savings. Then, of course, they force you to take it by a certain age (generally, 70½ years). They even publish a chart that tells you what the minimum is based upon your age.

The older you get, the more you must take. They take this system quite seriously as evidenced by the fact that failure to take your required minimum distribution results in a 50 percent penalty on the income not taken. (PLUS income tax on the amount once you take it). Most brokerage

firms have this reasonably automated, but don’t let it slip through the cracks. It can be an expensive oversight.

9. Review your 2016 withholding amounts. For most of us, claiming the number of exemptions that apply to withholding taken from each paycheck is a “set it and forget it” exercise. Changes in income or deductions can have an impact on what you must, or should, have withheld. Since all of this simply amounts to a tax-free loan to the federal government, be sure to sharpen that pencil and revisit the calculation every few years. In the end, you will owe the same tax either way.

It’s just a matter of who keeps your money (or

arguably theirs) and for how long.

10. Begin now to organize your tax records. Most of us have a financial junk drawer or two — or ten. Accurate records are the key to proper tax planning. Not only in the event of an audit, but even when it comes time to hand that box or records and receipts over to your tax preparer. Financial programs like Quicken and eMoney have made this somewhat easier. A little effort now (while your memory is relatively fresh) can save much frustration, or inaccuracy, later.

Anthony Domino Jr. is managing principal of Associated Benefit Consultants LLC, an employee benefit and personal planning firm in Rye Brook. He can be reached at adomino@associatedbenefit.com.

We’ve changed by staying the same.

Putnam County Savings Bank has changed its name to PCSB Bank

New Name, More Branches, Same Bank.

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

845-279-7101

PCSB.com WCBJ | HV Biz

DECEMBER 21, 2015

13

busınessintel WESTCHESTER COUNTY ASSOCIATION

N

WCA HAILS BIPARTISANSHIP IN PASSING In a commendable act of bipartisanship, the Westchester County Board of Legislators voted to pass a budget for 2016 that held the line on any tax increases and restored cuts to nonprofits, parks and public safety. “We applaud County Executive Rob Astorino and Chairman Mike Kaplowitz, Vice Chairman Jim Maisano and their colleagues on working together in a collaborative bi-partisan manner to pass the budget in a timely fashion,” said Bill Mooney, President and CEO of the Westchester County Association. That’s the good news. “But the WCA would have preferred that lawmakers not continue to borrow from the Reserve Fund to cover operating expenses. If we continue that practice, there is a real danger that we could lose our AAA credit rating,” Mooney noted. He also observed that the systemic issues threatening the county’s fiscal health—namely mounting healthcare costs, continued borrowing, state mandates, and unrealistic assumptions about projected sales tax revenues—need to be addressed.

E

W S

2016 BUDGET Rob Astorino, Westchester County Executive Below: On December 9, WCA members met with Westchester County Board of Legislators Vice Chairman Jim Maisano (R) and Chairman Mike Kaplowitz (D)

“We are going to continue to monitor these issues and be a financial conscience.

To that end, we are assembling a task force, comprised of the WCA members who provided input and insight during the recent budget process,” he announced. “We greatly appreciate their concern and commitment to the county’s health, and their willingness to continue to provide input. Ultimately, we all want Westchester to be competitive, and be an attractive place to live, do business, and to work.

Business is the county’s lifeblood; it creates jobs and revenue.”

JOBS WAITING UPDATE

“We were very impressed with the quality of candidates,” says Mary DeFreitas, chief human resources officer, Crystal Run Healthcare. “Many have healthcare backgrounds, or transferable skills. We have followed up with several already, and look forward to working with some of these graduates!”

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DECEMBER 21, 2015

WCBJ | HV Biz

Congratulations to the 24 newest graduates of the Jobs Waiting boot camp program managed by the WCA. This federally funded program, run by the Westchester-Putnam Workforce Development Board, is retraining the long-term unemployed in the Hudson Valley in skills needed in today’s healthcare industry. Employers are touting the program as a time-and-money saver in recruiting new employees.

The first class graduated from the boot camp held in Westchester County; this class was held in Orange County. In total, 425 will be retrained across seven counties. Employers attending the graduation party were Crystal Run Health Care, Orange Regional Medical Center, St. Luke’s Cornwall, and Orange County Partnership.

Making Spirits Bright

Left: Dawn French, White Plains Hospital; Michael Schiliro, PCSB; Melinda White, Wells Fargo

OVER 200 MIX AT WCA HOLIDAY NETWORKING PARTY! The mood was merry and bright at the WCA’s annual holiday party December 2 at the Westchester Country Club, where over 200 of Westchester’s top business leaders gathered for cocktails, conversation, and spirited networking. Special thanks to our event sponsors, People’s United Bank, Skyline Genesis Event Marketing and Tompkins Mahopac Bank, for making this terrific party possible.

Bernice Forman

BERNICE FORMAN RETIRES FROM WCA

A

fter nearly two decades of working with WCA President and CEO Bill Mooney, Bernice Forman will retire in December from her position as his executive assistant. Their professional relationship began at Union State Bank in 1974, and continued when Mr. Mooney hired Ms. Forman in 1997 to support his new position as senior vice president at Independence Community Bank.

In 2004, he invited her to join him at the Westchester County Association. She is looking forward to spending more time with her husband of 45 years, her children, and her two grandchildren—but we will miss her tremendously at the WCA. Congratulations, Bernice!

COMING UP

Right: Rob Astorino, Westchester County Executive Far right: Jack L. Kopnisky, President & CEO, Sterling National Bank

SAVE THE DATE! Our annual Economic Forecast Breakfast will be held Thursday, January 7 at the Westchester Marriott. This well-attended, popular annual event features a keynote address by Westchester County Executive Rob Astorino, followed by an interactive round table discussion on economic trends for the year ahead. This year’s remarks will be delivered by Jack L. Kopnisky, President & CEO of Sterling National Bank, who also will moderate an interactive roundtable discussion of leaders from business and the media.

Economic Forecast Breakfast 2016 Thursday, January 7, 2016, 8–10 am Westchester Marriott, Tarrytown Keynote address by County Executive Robert P. Astorino; Roundtable discussion, moderated by Jack Kopnisky, Sterling National Bank, with leaders from business and the media Title Sponsor: Sterling National Bank Sponsored by CohnReznick, Con Edison, ENT&Allergy Associates, Key Bank, O’Connor Davies, and POMCO

The Business of Sports Wednesday, February 17, 2016, 5–9 pm Westchester County Center, White Plains Panel discussion + Westchester Knicks game Sponsored by WCA Young Professionals, Westchester Knicks, People’s United Bank

For more information or to register for events:

westchester.org

To become a sponsor, email jemrick@westchester.org or call 914.948.6444.

Not to be missed!

WCBJ | HV Biz

DECEMBER 21, 2015

15

o y w l i n e m d a F BUSINESS AWARDS

A call for nominations Help us celebrate the backbone of your community — the family-owned businesses that keep Fairfield and Westchester counties alive. For the third year, we are honoring the dedicated entrepreneurs who continue to create opportunity for the next generation. Tell us about your own business or a family-owned business you think deserves recognition.

Awards Celebration

Silver Sponsor

1133 WESTCHESTER AVE., WHITE PLAINS

Supporters

Bronze Sponsor

FEBRUARY 25  5:30 P.M.

VISIT westfaironline.com to submit a nomination.

DEADLINE January 15, 2016.

CONTACT Danielle Brody at 914-358-0757 or dbrody@westfairinc.com for more information.

Presented by

Divisions of Westfair Communications

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DECEMBER 21, 2015

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FACTS & FIGURES BANKRUPTCIES WHITE PLAINS Diplomat Realty International Inc. 17-20 Whitestone Expressway, Suite 100-101, Whitestone 11357. Represented

by Barry N. Frank. Filed: Dec. 11.

Case no. 15-23761-rdd.

COURT CASES Bayer HealthCare Pharmaceuticals Inc. Filed by Emily Cooper. Action: diversity-product liability. Attorneys: Brian S. Kabateck, Richard L. Kellner, Lina Berjouhi Melidonian and Paul D. Stevens. Filed: Dec. 15. Cause no.

7:15-cv-09770-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Jessica Johnson. Action: diversity-product liability. Attorneys: Brian S. Kabateck, Richard L. Kellner, Lina Berjouhi Melidonian and Paul D. Stevens. Filed: Dec. 15.

Case no. 7:15-cv-09780-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Elizabeth Stouder. Action: diversityproduct liability. Attorneys: Brian S. Kabateck, Richard L. Kellner, Lina Berjouhi Melidonian, Paul D. Stevens and Tony M. Diab.

Filed: Dec. 15. Case no. 7:15-cv09767-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Jennifer Whittington. Action: diversityproduct liability. Attorneys: Brian S. Kabateck, Richard L. Kellner, Lina Berjouhi Melidonian and Paul D. Stevens. Filed: Dec. 15.

Case no. 7:15-cv-09778-CS.

Bayer HealthCare Pharmaceuticals Inc. Filed by Taminika Williams. Action: diversitypersonal injury. Attorneys: Terry Bryant and Leila H. Watson.

Filed: Dec. 14. Case no. 7:15-cv09747-CS. Fair Collections & Outsourcing Inc. Filed by Tracy Dreher and William Mooney. Action: Fair Debt Collection Act. Attorney: Robert Louis Arleo. Filed: Dec. 11.

Case no. 7:15-cv-09714.

Franchise Contractors LLC. Filed by JPMorgan Chase Bank National Association. Action: interpleaded action. Attorney: Christopher Robert Belmonte.

Filed: Dec. 11. Case no. 7:15-cv09713.

Jam EG Group. Filed by Owen Harty. Action: Americans with Disabilities Act – discrimination.

Attorney: Nathaniel Kleinman.

Filed: Dec. 11. Case no. 7:15-cv09708-KMK. Pinnacle Credit Services LLC. Filed by Christhia M. Acevado.

Action: 1692 Fair Debt Collection Act. Attorney: Edward B. Geller.

Filed: Dec. 15. Case no. 7:15-cv09760.

Texas de Brazil Westchester Corp. Filed by Tajoun Richardson, Eddy Napoleon and Hanan Tawil. Action: Fair Labor Standards Act. Attorney: Raymond Nardo. Filed: Nov. 11. Case no.

7:15-cv-09693-KMK. Yonkers Racing Corp. d.b.a.

Empire City Casino & Yonkers Raceway a.k.a. Empire City at Yonkers Raceway. Filed by Shakira T. Robinson. Action: job discrimination (unlawful employment practices). No attorney listed. Filed: Dec. 14. Case no.

7:15-cv-0742.

DEEDS 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

Above $1 million 45 Hutchinson Boulevard LLC, Bronxville. Seller: Ping Ru, et al, Scarsdale. Property: 45 Hutchinson Blvd., New Rochelle.

Amount: $1.1 million. Filed Dec. 7.

AK Homes and Design LLC, Bronxville. Seller: Patricia K. Bader, Bronxville. Property: 30 Masterton Road, Eastchester.

Amount: $1.7 million. Filed Dec. 7.

ON THE RECORD

Ihohs Holdings LLC, Garrison.

Seller: Home Street Holdings LLC, Scarsdale. Property: 15 Home St., White Plains. Amount: $1 million. Filed Dec. 11.

JPMorgan Chase Bank N.A. Seller: Christopher Meagher, White Plains. Property: 7 Captain Theale Road, Bedford. Amount: $2.8 million. Filed Dec. 7.

The City of New Rochelle New York, New Rochelle. Seller: FS&G II LLC, Southampton. Property: 40 Huntington Place, New Rochelle. Amount: $2.6 million.

Filed Dec. 9.

Triple C Development Inc., Centre, Ala. Seller: AutoZone Parts Inc., Memphis, Tenn.

Property: 1719 Main St., Peekskill.

Amount: $1.5 million. Filed Dec. 7.

U.S. Bank N.A. Seller: Stevon Forrester, New Rochelle.

Property: 101 S. Manor Drive, Greenburgh. Amount: $1.7 million. Filed Dec. 7.

White Marsh Holdings LLC, Greenbelt, Md. Seller: RTS Hotel Holding LLC, Armonk. Property: 0 Livingstone Ave., Greenburgh.

Amount: $7 million. Filed Dec. 7.

Abacus Consulting Group Inc., Bronxville. Seller: HomeBridge Financial Services Inc., Iselin, N.J. Property: 127 S. First Ave., Mount Vernon. Amount: $110,000. Filed Dec. 11.

Alanad Properties LLC, Katonah. Seller: Patricia O’Boyle, et al, Harrison. Property: 226 E. Main St., Mount Kisco. Amount: $850,000. Filed Dec. 8.

Amat Holdings LLC, Yonkers.

Seller: City of Yonkers. Property: 158 Waverly St., Yonkers.

Amount: $452,500. Filed Dec. 10.

Amelia Holdings Corp., Sleepy Hollow. Seller: Holy Cross Catholic Church North Tarrytown New York, Sleepy Hollow. Property: 177 Cortlandt St., Mount Pleasant.

Amount: $685,000. Filed Dec. 11.

Best Rent Properties 202 LLC, Thornwood. Seller: The People of the State of New York, Albany.

Property: 3200 Crompond Road, Yorktown. Amount: $62,000.

Filed Dec. 10.

Biga Realty LLC, Harrison.

Seller: Saratoga Avenue LLC, Albertson. Property: 94 Saratoga Ave., Yonkers. Amount: $62,500.

Filed Dec. 10.

WP Development NB LLC, New York City. Seller: The Sisters of the Divine Compassion of the State of New York, White Plains.

Property: 52 N. Broadway, White Plains. Amount: $16.2 million.

Filed Dec. 11.

C2GRE LLC, White Plains. Seller: Daniel P. Romano, Yonkers.

Property: 119 Dehaven Drive, 337, Yonkers. Amount: $142,150. Filed Dec. 8.

Below $1 million

C2GRE LLC, White Plains. Seller: Edmund Fitzgerald Jr., White Plains. Property: 36 Crestmont Ave., Yonkers. Amount: $250,000. Filed Dec. 10.

168 Affleck LLC, Mount Vernon. Seller: Dong In Cho, et al, Flushing. Property: 28 S. Fourth Ave., Mount Vernon. Amount: $470,000. Filed Dec. 8.

248 Drake Apartments LLC, White Plains. Seller: Frank Fato, et al, New Rochelle. Property: 248 Drake Ave., New Rochelle.

Amount: $575,000. Filed Dec. 9.

251A Heritage Hills LLC, Mahopac. Seller: Susan K. Fessler, et al, Somers. Property: 251A Heritage Hills, Somers. Amount: $350,000. Filed Dec. 11.

480 West William Street LLC, Rye Brook. Seller: VMB Capital Group LLC, Yorktown Heights.

Property: 480 W. William St., Rye. Amount: $390,000. Filed Dec. 8.

52 North Way Realty LLC, Brookfield, Conn. Seller: Virginia L. Drew, Chappaqua. Property: 52 North Way, New Castle. Amount: $301,702. Filed Dec. 7.

C2GRE LLC, White Plains. Seller: Richard G. Fontana, Yonkers.

Property: 252 Irenhyl Ave., Rye. Amount: $171,000. Filed Dec. 10.

CitiMortgage Inc. Seller: Nicholas P. Barone, White Plains.

Property: 100 Chateau Lane, 47, Mount Pleasant. Amount: $607,252. Filed Dec. 8.

Deutsche Bank National Trust Co. Seller: Wanda Y. Negron, Yonkers. Property: 1604 Lincoln Terrace, Peekskill.

Amount: $210,000. Filed Dec. 9.

Fannie Mae. Seller: Barry R. Fertel, New Rochelle. Property: 9 Beck Ave., Rye. Amount: $559,292. Filed Dec. 9.

Fannie Mae. Seller: Joseph Goubeaud, Mount Vernon. Property: 76 Willow Drive, Ossining.

Amount: $623,159. Filed Dec. 7.

Fannie Mae. Seller: Peter P. Rosato, Yonkers. Property: 56 Clinton Place, Mount Vernon.

Amount: $529,868. Filed Dec. 7.

Federal National Mortgage Association. Seller: Karl A. Scully, Mount Vernon. Property: 231 Franklin Ave., Mount Vernon.

Amount: $230,000. Filed Dec. 7.

Federal National Mortgage Association. Seller: Liam J. Mclaughlin, White Plains. Property: 116 Cornell Ave., Cortlandt.

Amount: $323,949. Filed Dec. 7.

Freddie Mac/Federal Home Loan Mortgage Corp. Seller: Daniel R. Marx, White Plains.

Property: 1407 Arch Drive, Yorktown. Amount: $514,543.

Filed Dec. 7.

Griin Construction Inc., Yonkers. Seller: Joyce Brown, Mount Vernon. Property: 77 Travers Ave., Yonkers. Amount: $306,000. Filed Dec. 10.

For the best LOCAL candidates visit our NEW and

HD 34 West Street Inc., Brewster. Seller: 34 South West Street LLC, Mount Vernon. Property: 34 S. West St., Mount Vernon.

Amount: $375,000. Filed Dec. 8.

ENHANCED site!

Housing Action Council Inc., Tarrytown. Seller: Patricia A. Kirk, Wantagh. Property: 100 Cedar St., A-44, Greenburgh.

Amount: $315,000. Filed Dec. 7.

• Intuitive site design

HSBC Bank USA N.A. Seller: John C. Guttridge, White Plains.

Property: 112 S. Seventh Ave., Mount Vernon. Amount: $459,062. Filed Dec. 10.

• 100,000+ job seekers per month across our network

JML Capital LLC, Thornwood.

Seller: Fannie Mae. Property: 76 Willow Ave., Ossining. Amount: $305,000. Filed Dec. 10.

• Resume Search Technology to help identify top talent

JPMorgan Chase Bank N.A. Seller: Estate of Spyros S. Skouras, New York City. Property: 128 W. Doral Green Drive, Rye. Amount: $632,567. Filed Dec. 8.

• Mobile optimized

Kam Car Realty LLC, Pleasantville. Seller: Miodrag Velickovic, et al, Chappaqua. Property: 71 Pond View Lane, New Castle.

Amount: $652,500. Filed Dec. 8.

Luna Properties LLC, Pleasantville. Seller: Klepp Flooring Realty Inc., Pleasantville.

Property: 19 Hobby St., Mount Pleasant. Amount: $430,000.

Filed Dec. 11.

MLB Realty Holdings LLC, Armonk. Seller: Karen Marie Frey, et al, Somers. Property: 76C Heritage Hills, Somers. Amount: $215,000. Filed Dec. 8.

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Visit WestchesterCountyJobs.com

or call (203) 595-4262 for more information

DECEMBER 21, 2015

17

PROMOTION AT MACQUESTEN DEVELOPMENT CLANCY RELOCATION HONORED Movers Clancy Relocation and Logistics of Patterson, an agent for United Van Lines, earned the “Performance Excellence Award” for 2015, which recognizes agents who have a relentless focus on customers’ needs and expectations.

Founded in 1921, Clancy joined United Van Lines as a founding member in 1947. It expanded to Patterson from Westchester in 1978, building its new headquarters there in 2001. A Stamford, Conn., office was built in 2006 and additional warehouses were added in Pawling in 2009 and in Newtown, Conn., in 2012.

Clancy Relocation provides residential and commercial services ranging from household moves to more complex commercial office relocations. One of its early company slogans was “Moving With Care, Everywhere;” which still rings true today.

Kurt Purves has been promoted to project manager at MacQuesten Development LLC, which is based in Pelham. Purves joined MacQuesten in 2012 working as project superintendent.

With more than 19 years of management experience and an extensive technical background in HVAC, electrical and plumbing systems, Purves oversees multimillion-dollar high-rise projects that include superstructures, conversions and community rehabilitation and he’s responsible for project scheduling, budgeting, personnel, monthly financials and closeout preparations. As a certified site-safety manager, he also ensures that all workers in the field, including those of subcontractors, obtain OSHA cards and follow site-safety management protocol.

“Kurt brings to his new position a wealth of experience in all aspects of project management. As a key member of the MacQuesten team, he has successfully supervised the construction of many of our development projects,” said Rella Fogliano, president of MacQuesten Development.

Kurt Purves

HEATING FUEL DONATED TO SPCA Combined Energy Services (CES), a local family-owned fuel oil and gas supplier, recently donated $3,000 in heating fuel to the Sullivan County SPCA in Rock Hill, which provides compassionate care and safe shelter for lost, abandoned, hurt and homeless animals. The shelter also provides additional resources in assisting with the location of a lost pet and counseling and assistance with the adoption process.

“This yearly donation is something we look forward to,” said Michael Taylor, CES co-owner. “As the cold weather approaches, we understand the difficulty for nonprofits and even more difficult for animal shelters that need to keep the heat on for the animals. These great organizations struggle to keep the lights on and the buildings warm. CES is proud to donate the heating fuel to the shelter during these challenging winter times.”

CENTRAL HUDSON HOSTS THAILAND ENGINEERS Engineers from Thailand recently visited a Central Hudson electrical substation in the town of Poughkeepsie to learn more about the utility’s innovative research and development project with superconductors for potential use of the technology in their home country.

The superconducting fault current limiter, or SCFCL, is the only one of its kind in New York state and is deployed to test its ability to successfully protect critical electrical equipment against power surges, extend equipment life, improve service reliability and reduce customer costs.

Glow Energy, based in Thailand, intends to purchase and install the device to protect its systems from fault currents. The visit to the U.S. included a trip to Poughkeepsie to observe a system in operation.

The device was developed and manufactured by Applied Materials Inc. and installed at Central Hudson’s Knapps Corners substation and is designed to help protect the electricity grid from fault currents or sudden power surges caused by lightning, or downed or crossed power lines.

“Increasing levels of fault currents are an issue faced by utilities across the world, and this device is a solution to this persistent problem,” said Paul Haering, vice president of engineering at Central Hudson.

The SCFCL system in Poughkeepsie has to date operated for nearly 18 months under a variety of environmental conditions, including temperature extremes and heavy snow. It is the longest continually functioning SCFCL placed in actual service in North America. The system has performed as expected and data from the project will be shared with the New York State Energy Research and Development Authority (NYSERDA).

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OCTOBER 12, 2015

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From left, Michael Glennon, senior administrative director, Ancillary Services; Julissa Vargas, Phelps Medical Associates practice manager; Catherine Borgia, Westchester County legislator; Leo Weigman, mayor of Croton; Daniel Blum, Phelps president and CEO; Linda Puglisi, supervisor, town of Cortlandt; Sandy Galef, New York state assemblywoman; and Richard Becker, MD.

PHELPS EXPANDS SERVICES IN CROTON Community open houses and a ribbon-cutting ceremony were held recently to celebrate the expansion of the Phelps Medical Associates medical suite and Phelps Radiology services located in the ShopRite Plaza at 440 South Riverside Ave. in Croton. Croton Mayor Leo Weigman, New York state Assemblywoman Sandy Galef, Westchester County Legislator Catherine Borgia and town of Cortlandt Supervisor Linda Puglisi (who presented a certificate commemorating the occasion), were among the guests at the event.

The expansion is in response to increased demand for access to Phelps physicians and radiology services in the Croton area. At more than 7,000 square feet, the space is nearly double its previous size. The radiology suite, in addition to its regular services, now offers 3D mammography, breast ultrasound and bone densitometry.

Phelps Medical Associates is a growing primary and specialty care medical group, currently comprised of 49 health care practitioners located in medical offices throughout Westchester County.

JANUARY 11

From left: Sean Murphy, Rob Astorino, Chris and Michael Murphy

Board members Rick Rakow, Charles Day, Joe Masterson and Greg Werlinich joined volunteers from Bank of America for the check presentation.

FOOD BANK RECEIVES $50,000 FROM BANK OF AMERICA The Food Bank for Westchester, located in Elmsford, has received a $50,000 grant from the Bank of America Charitable Foundation to support its overall operations. With help from their generous partners, they can truly make a difference in the fight against hunger.

MURPHY BROTHERS HONORED BY AIA CHAPTER Murphy Brothers Contracting was recently recognized by the AIA Westchester Hudson Valley (AIAWHV) as its 2015 Professional Affiliate Award winner, which was presented at the chapter’s annual year-end celebration at The Capitol Theatre/Garcia’s in Port Chester.

According to the AIAWHV chapter, the award recognizes exemplary leadership beyond professional efforts and accomplishments. Chapter President Peter Gaito Jr. said, “The leadership, insight and efforts Murphy Brothers’ provides represents all that is intended by this award.” Past chapter president John Fry added that “Murphy Brothers has partnered with a highly selective group of leading manufacturers and professional associations, including AIA Westchester + Hudson Valley to advance sustainable practices and methodologies. Their commitment to achieve and promote quality in the built environment is unparalleled in our region.”

Other 2015 award winners included County Executive Rob Astorino (Public Official Award), Carol Kurth, (Public Advocate Award), Raymond L. Beeler, (Chapter Member Award) and Katie Chevalier, (ARE Scholarship Award).

CHAMBER CHOOSES RECYCLER FOR CELL PHONE DRIVE

ORMC RECEIVES 5-STAR RATINGS IN BARIATRIC SURGERY AND NATURAL CHILDBIRTH Orange Regional Medical Center, based in Middletown, has achieved 5-Star ratings in bariatric surgery and natural childbirth from Healthgrades, the leading online resource for comprehensive information about physicians and hospitals.

These recognitions distinguish Orange Regional for its superior outcomes in surgical techniques to support weightloss efforts and in vaginal delivery, as measured by in-hospital complication rates.

“Orange Regional is committed to providing exceptional patient care and these Healthgrades recognitions are extremely significant because they serve as a testament to the outstanding care we provide every day,” said Orange Regional President and CEO Scott Batulis.

Orange Regional’s Vice President of Quality and Health Information Management Rose Baczewski said, “These distinct recognitions are a reflection of our hard-working and dedicated staff. They also reinforce that there is a high level of care available, right here in our community, at ORMC.”

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

The Dutchess County Regional Chamber of Commerce collected old and obsolete cell phones for recycling to benefit The Chamber Foundation Inc., an effort sponsored by Central Hudson Gas & Electric Corp. and Quality Environmental Solutions & Technologies Inc. More than 70 phones, chargers and miscellaneous components were collected at various events and locations from September through November.

SmartphoneRecycling.com has been selected to handle the recycling of the phones, which through its parent company, GRC Wireless, it has established a socially responsible, zero landfill environmental policy. This means none of the products handled in its facility are sent to a solid-waste landfill and further, the company undergoes strict Department of Environmental Protection inspections and does not send e-waste to be refined in developing countries. SmartphoneRecycling.com also makes an attempt to ensure all downstream refining operations meet all applicable environmental regulations. Rechargeable batteries, such as those found within cell phones, are also processed according to EPA guidelines.

“The recycling of old cell phones in an appropriate manner and with a responsible vendor is as important as the act of recycling. E-waste recycling has taken a circuitous route to being more sustainable. We are proud to support the chamber’s program to recycle old phones,” said James Kopp, cochairman of the chamber’s Living Green Subcommittee.

SmartphoneRecycling.com offers between 10 cents and $15 per cell phone. It accepts all phones, no matter the age or model, in all conditions.

The proceeds will benefit The Chamber Foundation’s general fund, which was established to promote education and training programs for local youth and professionals with the goal of enhancing the future of economic growth in the Hudson Valley region.

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Professional Women of Westchester (PWW) presents “Creating Your Revenue Breakthrough: Five Steps to Double Your Income in 2016” with guest speaker Monica Shah, CEO Revenue Breakthrough at Ruth’s Chris Steakhouse, 670 White Plains Road, Tarrytown, 6 to 8 p.m, Monday, Jan. 11. PWW members $15, nonmembers $20; includes appetizers. Registration necessary; professionalwomenofwestchester.com.

JANUARY 15 Phelps Memorial Hospital Center’s Sports Medicine and Trauma Conference, Friday, Jan. 15 will address the effects of sports-related injury and illness.

This free day-long conference will be held from 9 a.m. to 4:30 p.m. at GE’s John F. Welch Leadership Development Center at Crotonville, 1 Shady Lane Farm Road, Ossining. Pre-registration is required by contacting AnnMarie Savino at 914-366-3577 or email at cee@pmhc.us.

When registering, please include registrants’ contact information.

DECEMBER 21, 2015

19

FACTS Nationstar Mortgage LLC. Seller: John Clinton Jr., White Plains. Property: 40 South Road, Greenburgh. Amount: $379,356.

Filed Dec. 11.

WBP Central Associates LLC, Eastchester. Seller: The People of the State of New York, Albany.

Property: Portion of Central Park Avenue, Yonkers. Amount: $750,000. Filed Dec. 10.

Piermont Diner LLC, Tenafly, N.J. Seller: Mekhail Rabadi, Yonkers. Property: 120 Herriot St., Yonkers. Amount: $300,000.

Filed Dec. 7.

Weichert Workforce Mobility Inc., Morris Plains, N.J. Seller: Inderpal S. Bhandari, Scarsdale.

Property: 220 Ardsley Road, Greenburgh. Amount: $865,000.

Filed Dec. 11.

R Mohring Building and Development Corp., Glen Head.

Seller: Robert F. Powers Jr., et al, Hawthorne. Property: 83 Ridge Road, Greenburgh. Amount: $320,000. Filed Dec. 7.

Wells Fargo Bank N.A. Seller: Anne Penachio, White Plains.

Property: 2413 Villa at the Woods, Peekskill 10566. Property: 2413 Villa at the Woods, Peekskill.

Amount: $36,444. Filed Dec. 7.

Red Projects LLC, Larchmont.

Seller: Erik G. Weigel, et al, Larchmont. Property: 22 Vine Road, Mamaroneck. Amount: $715,000.

Filed Dec. 8.

Wells Fargo Bank N.A. Seller: Michele L. Bermel, Chappaqua.

Property: 2772 Sarles Drive, Yorktown. Amount: $207,083.

Filed Dec. 7.

S and M RE LLC, Rye. Seller: Vito Bill Federici, et al, Port Chester. Property: 50 Upland St., Rye. Amount: $382,000. Filed Dec. 10.

Wells Fargo Bank N.A. Seller: Peter K. Nardone, Mount Kisco. Property: 110 Kingsbury Road, New Rochelle. Amount: $700,000. Filed Dec. 7.

Structured Asset Securities Corporation Mortgage Loan Trust 2006-BC4. Seller: Ted Novick, White Plains. Property: 60 Leisure Way, Yorktown.

Amount: $447,072. Filed Dec. 11.

Wells Fargo Bank N.A. Seller: Robert D. Ryan, White Plains.

Property: 22 Clunie Ave., Greenburgh. Amount: $665,000. Filed Dec. 7.

Sunshine Ardsley Corp., Ardsley. Seller: 1922-44 Boston Road Corp. Property: 495 Ashford Ave., Greenburgh. Amount: $700,000.

Filed Dec. 10.

The Bank of New York Mellon Trust Company N.A. Seller: Philip L. Sigler, et al, White Plains.

Property: 1695 Baldwin Road, Yorktown. Amount: $391,600.

Filed Dec. 8.

The County of Westchester, White Plains. Seller: 491 Franklin Street LLC, Rye Brook. Property: 491 Franklin St., Rye. Amount: $419,000. Filed Dec. 8.

The County of Westchester, White Plains. Seller: Janos Szova Jr., Wappingers Falls. Property: Croton Avenue, Cortlandt.

Amount: $160,000. Filed Dec. 7.

The County of Westchester, White Plains. Seller: Jennifer A. Burningham, et al, Harrison.

Property: 70 West St., A-17, Harrison. Amount: $288,000. Filed Dec. 8.

U.S. Bank N.A. Seller: Clement S. Patti Jr., White Plains. Property: 17 Lawrence Ave., Greenburgh.

Amount: $558,206. Filed Dec. 8.

U.S. Bank N.A. Seller: Joseph Neglia, et al, White Plains.

Property: 300 Mamaroneck Ave., White Plains. Amount: $526,129.

Filed Dec. 7.

20

DECEMBER 21, 2015

Westchester Diocese of the Evangelical Apostolic Church of North America, Tuckahoe.

Seller: Metropolitan District of the Christian and Missionary Alliance, Newark, N.J. Property: 26 Cameron Place, Eastchester.

Amount: $750,000. Filed Dec. 10.

Westchester Diochese of the Evangelical Apostolic Church of North America, Tuckahoe.

Seller: Metropolitan District of the Christian and Missionary Alliance, Newark, N.J. Property: 30 Underhill St., Eastchester.

Amount: $250,000. Filed Dec. 7.

Wilmington Savings Fund Society FSB. Seller: Mari J. Mabrouk, New Rochelle.

Property: 41 Hartsdale Road, Greenburgh. Amount: $310,000.

Filed Dec. 11.

FORECLOSURES MOHEGAN LAKE, 3423 Stony St. Vacant land; lot size: .5 acre.

Plaintiff: The Bank of New York Mellon. Plaintiff ’s attorney: Stern & Eisenberg PC, 212-572-8111; 485 B Route 1, Iselin, N.J. 08830.

Defendant: Ahmed Mohamed.

Referee: John Gittridge. Sale: Jan. 6, 8:45 a.m. Approximate lien: $667,048.52.

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&

NEW ROCHELLE, 543 Main St., Apt. 303. Condominium; lot size: N/A. Plaintiff: U.S. Bank National Association. Plaintiff ’s attorney: McCabe, Weisberg & Conway PC, 631-812-4084; 1 Huntington Quadrangle, Melville 11747. Defendant: Sandra Sanchez. Referee: Edmund Fitzgerald. Sale: Jan. 6, 11:30 a.m.

Approximate lien: $364,570.02.

PEEKSKILL, 414 N. Division St. Single-family residence; lot size: N/A. Plaintiff: Chase Home Finance LLC. Plaintiff ’s attorney: McCabe, Weisberg & Conway PC, 914-636-8900; 145 Huguenot St., Suite 401, New Rochelle 10801. Defendant: William Rubio.

Referee: Joseph Abinanti. Sale: Jan. 6, 9 a.m. Approximate lien: $255,694.56.

PEEKSKILL, 1759 Lincoln Terrace. Single-family residence; lot size: N/A. Plaintiff: U.S. Bank National Association. Plaintiff ’s attorney: McCabe, Weisberg & Conway PC, 631-812-4084; 1 Huntington Quadrangle, Melville 11747. Defendant: Larkland Wright. Referee: Alfred Del Ray. Sale: Jan. 6, 9:30 a.m. Approximate lien: $400,895.92.

TUCKAHOE, 4 Consulate Drive, Apt. 4-1K. Condominium; lot size: N/A. Plaintiff: Nationstar Mortgage LLC. Plaintiff ’s attorney: McCabe, Weisberg & Conway PC, 914-6368900; 145 Huguenot St., Suite 401, New Rochelle 10801. Defendant: Juran Lee. Referee: Anne Julia Penachio. Sale: Jan. 6, 10:30 a.m.

Approximate lien: $306,401.25.

YONKERS, 41 Groshon Ave. Three-family residence; lot size: .04 acre. Plaintiff: PMT NPL Financing 2014-1. Plaintiff ’s attorney: Fein Such & Crane LLP, 585-232-7400; 1400 Old Country Road, Westbury 11590.

Defendant: Noreen Gonzalez.

Referee: John Sarcone III. Sale: Jan. 6, 11 a.m. Approximate lien: $1,011,196.01.

YONKERS, 508 Van Cortlandt Park Ave. Walkup apartment; lot size: .22 acre. Plaintiff: 508 Van Cortlandt Debt LLC. Plaintiff ’s attorney: Kriss & Feuerstein, 212-661-2900; 360 Lexington Ave., No. 1300, New York 10017.

Defendant: J.S. & F Management.

Referee: Edmund Fitzgerald.

Sale: Jan. 6, 10 a.m. Approximate lien: $838,282.96.

JUDGMENTS American Digital Imaging Corp., Yorktown Heights. $12,123 in favor of Durante Bock and Tota PLLC, Yorktown Heights.

Filed Dec. 4.

FIGURES BMK Wines and Liquors, New Rochelle. $4,509 in favor of Vias Imports Ltd., New York City. Filed Dec. 9.

DCBE Inc., Mount Vernon. $950 in favor of Westchester Wall and Stucco Inc., Mount Vernon. Filed Dec. 4.

Durefla Realty LLC, Bronx. $5,908 in favor of Sprague Operating Resources LLC, Harrison.

Filed Dec. 7.

GHMC Holding Company Inc., Rye. $149,972 in favor of 50 Broadway Realty Corp., New York City. Filed Dec. 7.

Konko LLC, Stamford, Conn. $96,144 in favor of A Calvi Inc., Yonkers. Filed Dec. 7.

Projex General Contractors and Construction Managers Inc., Long Island City. $71,000 in favor of A Calvi Inc., Yonkers.

Filed Dec. 7.

Salon at Westchester Inc., Scarsdale. $174,081 in favor of Equinox White Plains Road Inc., New York City. Filed Dec. 7.

URCN LLC, Utica. $16,355 in favor of Dentserv Dental Services PC, Pelham Manor. Filed Dec. 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.

Schorr, Joan, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $295,000 affecting property located at 349 S. Fourth Ave., Mount Vernon 10550. Filed Dec. 9.

Simon, Paul L., individually and as trustee or their successors in trust under the Simon Living Trust, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 27 Chester Court, Cortlandt Manor 10567.

Filed Dec. 9.

Taylor, Gregory J., et al. Filed

by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $240,000 affecting property located at 446 S. 10th Ave., Mount Vernon 10550. Filed Dec. 9.

MECHANIC’S LIENS Deans, Rebecca, as owner. $1,296 as claimed by Mr. Chimney Clean Inc. Property: in Cortlandt. Filed Dec. 9.

Matsucka, Yoko, as owner. $13,750 as claimed by Otto Frey and Sons Plumbing and Heating, Dobbs Ferry. Property: in Mamaroneck. Filed Dec. 10.

Yancopoulos, George, as owner. $4,825 as claimed by Ms Iron Works Inc. Property: in Yorktown. Filed Dec. 10.

NEW BUSINESSES

ALR Wealth Management Services, 1853 Central Park Ave., Apt. 2H, Yonkers 10710, c/o Alan L. Rosenbaum. Filed July 18.

Barilla Excavating, 160 16th St., Verplanck 10596, c/o Diego G. Barilla. Filed July 18.

BJT Business Support Services, 44 Hall Ave., White Plains 10604, c/o Barbara Jean Thorpe.

Filed July 18.

Bones One Construction, 221 S. Broadway Ave., Yonkers 10705, c/o Hiram L. Bones Vargas. Filed July 23.

Cliff Park Readers Program, 320 Walnut St., Yonkers 10701, c/o Nnenna Akoma-Ononaji.

Filed July 18.

Delicias Del Jireh, 138 Walworth Ave., White Plains 10606, c/o Nilton Mori. Filed July 22.

Francisco Hernandez Landscaping, 143 S. Regent St., Apt. 1, Port Chester 10573, c/o Francisco Hernandez. Filed July 22.

Galeet Dardashti, 75 Lincoln Ave., White Plains 10606, c/o Galeet Dardashti. Filed July 22.

Le Caviar, 33 Richard Road, Thornwood 10594, c/o John F. D’A mico Jr. Filed July 18.

Morocho Painting, 155 S. Broadway, White Plains 10605, c/o Victor A. Morocho. Filed July 18.

Notables USA, 31 Maplemoor Lane, White Plains 10605, c/o Joan Lengel. Filed July 22.

Domestico, Gregory, et al.

Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $214,128 affecting property located at 3303 Villa at the Woods, Unit C203, Peekskill 10566. Filed Dec. 9.

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

Partnerships

Ocean Relaxation Spa, 2020 Crompond Road, Yorktown Heights 10598, c/o Shuxin Zhao.

Filed July 18.

Jenkins, Dawn M., et al. Filed

by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $225,000 affecting property located at 12 Chester Ave., Elmsford 10523. Filed Dec. 9.

Monarca Florist, 137 Lockwood Ave., Yonkers 10701, c/o Reyes Sanchez and Sadie Omar. Filed July 22.

Rose Garden Landscaping, P.O. Box 551, Katonah 10536, c/o Awadnarine Jawahir. Filed July 22.

The Outdoors Contained, P.O. Box 506, Rye 10580, c/o Amy Dolan and Amy Fowle. Filed July 23.

Secreto de Ifa Botanica, 154 W. Lincoln Ave., Mount Vernon 10550, c/o Angel F. Martos. Filed July 21.

Sole Proprietorships

Spark Ignite, 419 White Plains Road, No. 4, Eastchester 10709, c/o Anne Walton. Filed July 21.

Johnson, Roette Renee Harriston, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $550,000 affecting property located at 17 Stratford Road, White Plains 10603. Filed Dec. 9.

Mckoy, Leon, et al. Filed by MTGLQ Investors LP. Action: seeks to foreclose on a mortgage to secure $166,000 affecting property located at 10 Nelson St., Yonkers 10704. Filed Dec. 9.

All Millas Travel, 120 Broadway, Apt. 2, Verplanck 10596, c/o Gabriel Osvaldo Millas Canales.

Filed July 21.

FACTS PATENTS ConďŹ dential information access via social networking website. Patent no. 9,210,165 issued to Barry A. Kritt, Raleigh, N.C.; Douglas A. Law, Chapel Hill, N.C.; Shawn K. Sremaniak, Raleigh, N.C.; and Thomas S. Mazzeo, Durham, N.C. Assigned to International Business Machines Corp., Armonk.

Cross-cutting event correlation. Patent no. 9,210,057 issued to Ana C. Biazetti, Cary, N.C.; Fonda J. Daniels, Cary, N.C.; Kent F. Hayes Jr., Chapel Hill, N.C.; Paul F. McMahon, Apex, N.C.; and Denilson Nastacio, Apex. N.C. Assigned to International Business Machines Corp., Armonk.

Enhanced command selection in a networked computing environment. Patent no.

9,210,098 issued to Kelly Abuelsaad, Poughkeepsie; Gregory J. Boss, Saginaw, Mich.; Lisa Seacat DeLuca, San Francisco, Calif.; and Soobaek Jang, Hamden, Conn. Assigned to International Business Machines Corp., Armonk.

Exploring multiple contact channels to determine potential for reaching customers.

Patent no. 9,210,265 issued to Ali A. Bulbul, Beaverton, Ore.; Chitra Dorai, Chappaqua; Vidar Hrafnkelsson, Beaverton, Ore.; and Alejandro Veen, New York.

Assigned to International Business Machines Corp., Armonk.

Graphene-based structures and methods for shielding electromagnetic radiation.

Patent no. 9,210,835 issued to Phaedon Avouris, Yorktown Heights; Alberto V. Garcia, Hartsdale; Chun-Yung Sung, Poughkeepsie; Fengnian Xia, Plainsboro, N.J.; and Hugen Yan, Ossining. Assigned to International Business Machines Corp., Armonk.

Immersion-cooled and conduction-cooled method for electronic system. Patent no. 9,201,549 issued to Levi A. Campbell, Poughkeepsie; Richard C. Chu, Hopewell Junction; Milnes P. David, Fishkill; Michael J. Ellsworth Jr., Lagrangeville; Madhusudan K. Iyengar, Foster City, Calif.; Roger R. Schmidt, Poughkeepsie; and Robert E. Simons, Poughkeepsie. Assigned to International Business Machines Corp., Armonk.

Node management. Patent no.

9,210,003 issued to Antoine A. Tounou, Tucson, Ariz. Assigned to International Business Machines Corp., Armonk.

Recommending a policy for an IT asset. Patent no. 9,210,043 issued to Nathan P. Biles, Rochester, Minn.; Jacon Kugel, Rochester, Minn.; Matthew C. Riedemann, Rochester, Minn.; and Brian O. Wood, Eagan, Minn.

Assigned to International Business Machines Corp., Armonk.

Secure metering and accounting for cloud services.

Patent no 9,210,054 issued to Kirk A. Beaty, Goldens Bridge; Ashish Kundu, Elmsford; Ajay Mohindra, Yorktown Heights; and Vijay K. Naik, Pleasantville.

Assigned to International Business Machines Corp., Armonk.

Separable integrated heat sinks facilitating cooling multicomponent electronic assembly. Patent no. 9,201,831 issued to Amilcar R. Arvelo, Poughkeepsie; Levi A. Campbell, Poughkeepsie; Michael J. Ellsworth Jr., Poughkeepsie; and Eric J. McKeever, Poughkeepsie.

Assigned to International Business Machines Corp., Armonk.

HUDSON VALLEY BUILDING LOANS Above $1 million Omega Institute for Holistic Studies Inc., as owner. Lender: Rhinebeck Bank. Property: in Clinton. Amount: $4 million.

Filed Dec. 9.

Below $1 million Grant, Jaclyn, et al, Wallkill, as owner. Lender: Hudson Valley Federal Credit Union, Poughkeepsie. Property: 330 Burnt Meadow Road, Gardiner 12525.

Amount: $185,600. Filed Dec. 7.

&

Place99 LLC, Pawling. Seller: M and M Family Ventures LLC, Woodstock. Property: in Woodstock. Amount: $1.1. million. Filed Dec. 7.

Windsor Commons LLC, Monsey. Seller: PMR Properties LLC, New Windsor. Property: 843 Union Ave., New Windsor.

Amount: $1.3 million. Filed Dec. 11.

Below $1 million 2 Mezbish PL Unit 202 Corp., Monroe. Seller: Shraga Gandl, et al, Monroe. Property: 2 Mezabish Place, Unit 202, Monroe 10950.

Amount: $130,000. Filed Dec. 10.

3 Brookside LLC, Monroe.

Seller: Mat Properties Inc., Buffalo. Property: 3 Brookside Ave., Chester. Amount: $140,000. Filed Dec. 11.

FIGURES Bayview Loan Servicing LLC, Coral Gables, Fla. Seller: Kevin A. Layton, et al, Poughkeepsie.

Property: 192 Wilbur Blvd., Poughkeepsie 12603. Amount: $279,000. Filed Dec. 11.

Freddie Mac/Federal Home Loan Mortgage Corp. Seller: David Gubits, Walden. Property: 15 Valley View Lane, Cornwall 12518. Amount: $458,094. Filed Dec. 8.

BrookďŹ eld Global Relocation Services LLC, Burr Ridge, Ill. Seller: Daewon Yang, et al, Hopewell Junction. Property: 11 Clare Court, Hopewell Junction 12533. Amount: $397,500. Filed Dec. 8.

Hudson Homestead Group LLC, Kingston. Seller: Franklin Eck Jr., et al, Kingston. Property: in Kingston. Amount: $65,000.

Filed Dec. 8.

Chen Group LLC, Newburgh.

Seller: Westlink LLC, Mount Vernon. Property: 101 N. Plank Road, Newburgh. Amount: $450,000.

Filed Dec. 9.

Chichester Hills LLC, New York City. Seller: Barbara Metsch, Margaretville. Property: 699 Route 214, Shandaken. Amount: $25,000. Filed Dec. 7.

323 Main Street LLC, Ulster Park. Seller: Elliott H. Kagan, et al, Suffern. Property: in Beacon.

Amount: $329,000. Filed Dec. 10.

Citigroup Mortgage Loan Trust Inc. Seller: David Barry Gubits, Walden. Property: 145 Johnston St., Newburgh 12550.

Amount: $137,686. Filed Dec. 10.

34 Vernon Terrace LLC, Rhinebeck. Seller: John P. Hafner, Clinton Corners. Property: in Poughkeepsie. Amount: $115,000.

Filed Dec. 9.

Citimortgage Inc. Seller: Albert P. Pacione Jr., Middletown. Property: 90 Merritts Island Road, Pine Island 10969. Amount: $126,489. Filed Dec. 11.

40 Sunset Ridge LLC, New Paltz. Seller: JEM Realty Group LLC, New Paltz. Property: in New Paltz. Amount: $555,000. Filed Dec. 7.

CommunityAmerica Credit Union, Kansas City, Mo. Seller: Ralph L. Puglielle, New Windsor.

Property: 119 Lewis Landing, Middletown 10940. Amount: $263,846. Filed Dec. 11.

42 North Front Street LLC, Kingston. Seller: Jeffrey A. Boardman, et al, Kingston. Property: in Kingston. Amount: $260,000.

Filed Dec. 7.

72 Paggi Holding LLC, Stanfordville. Seller: Gregory Gatto, Poughkeepsie. Property: in Wappingers. Amount: $97,500.

Filed Dec. 9.

Deutsche Bank National Trust Co. Seller: Lisa Felicissimo, Monroe. Property: 76 Distillery Road, Warwick 10990. Amount: $722,256. Filed Dec. 11.

Fannie Mae. Seller: John Bach Jr., Goshen. Property: 177 Liberty St., Newburgh 12550. Amount: $419,399. Filed Dec. 9.

Alpenmargritili LLC, Esopus.

Seller: Pack Jack Realty LLC, Bronxville. Property: 26 Hickory Ridge Drive, Gardiner 12525.

Amount: $160,000. Filed Dec. 9.

Fannie Mae. Seller: Michele Babcock, Walden. Property: 126 Mountain Ave., Highland Mills 10928. Amount: $377,855. Filed Dec. 11.

Arts Milk Farm LLC, Middletown. Seller: Hollyrood Farm LLC, Circleville. Property: in Wallkill. Amount: $590,000.

Filed Dec. 11.

Federal National Mortgage Association. Seller: Francis B. Paz, Walden. Property: 295 Grand St., Newburgh 12550.

Amount: $205,000. Filed Dec. 8.

Above $1 million

Aspen Tree LLC, Fishkill. Seller: Deutsche Bank National Trust Co. Property: 7 Orchard Road, Poughkeepsie 12603. Amount: $57,000. Filed Dec. 7.

Federal National Mortgage Association. Seller: Judith L. Lubinsky, Campbell Hall. Property: 1 Carvel Road, Monroe 10950.

Amount: $242,900. Filed Dec. 8.

Merritt Park Holdings LLC, Brooklyn. Seller: TGM Merritt Park LLC, New York City. Property: in Fishkill. Amount: $65 million. Filed Dec. 11.

Bard College, Annandale-onHudson. Seller: Michael Jones, Londonderry, N.H. Property: in Red Hook. Amount: $190,000.

Filed Dec. 8.

Flower Hill Hob LLC, Poughkeepsie. Seller: Dennis M. Lacey, New York City. Property: 57 Flower Hill Road, Poughkeepsie 12603. Amount: $240,000. Filed Dec. 9.

Rooney, Stephen M., as owner. Lender: Rhinebeck Bank.

Property: in Amenia. Amount: $300,000. Filed Dec. 9.

DEEDS

Hudson Homestead Group LLC, Kingston. Seller: Laurie Marie Tompkins, et al, Kingston. Property: 241 W. Chestnut St., Kingston 12401. Amount: $32,000. Filed Dec. 10.

Lan Properties LLC, Montgomery. Seller: Fannie Mae. Property: 2 Oakland Ave., Walden 12586.

Amount: $60,000. Filed Dec. 9.

Leprechaun Ventures Ltd., Esopus. Seller: Frank P. Rinaudo, New Paltz. Property: 1059-1061 Route 9W, Esopus. Amount: $85,000. Filed Dec. 8.

Lory Properties Corp., Stormville. Seller: Robert Peter Ianelli, Fishkill. Property: 4 Danspence Road, Poughkeepsie 12601.

Amount: $102,500. Filed Dec. 9.

Marap Realty LLC, Kingston.

Seller: Robert Alan Smith Jr., Hyde Park. Property: in Kingston.

Amount: $37,500. Filed Dec. 9.

Mid-Hudson II Holding Company Inc., New Paltz. Seller: Summit-on-Hudson Associates LP, Monsey. Property: in New Windsor. Amount: $90,000.

Filed Dec. 10.

Mirtash Inc., Kingston. Seller: U.S. Bank N.A. Property: 159-161 Hurley Ave., Kingston 12401.

Amount: $58,800. Filed Dec. 9.

Monofonus East LLC, Rhinebeck. Seller: Jerrold Brainard, et al, Saugerties. Property: 37 N. Front St., Kingston. Amount: $275,000. Filed Dec. 7.

North Church Street LLC, Goshen. Seller: Fairway Estates LLC, Campbell Hall. Property: 5 Marge Hortons Way, Campbell Hall 10916. Amount: $125,000.

Filed Dec. 10.

Northern Enterprise NY LLC, Cornwall-on-Hudson. Seller: Carla S. Wise, Goshen. Property: 137 W. Main St., Middletown 10940. Amount: $20,401. Filed Dec. 9.

Northern Enterprise NY LLC, Highland Mills. Seller: James Hyer, White Plains. Property: 4 Lexington Hill, Harriman 10926.

Amount: $53,000. Filed Dec. 9.

Northern Enterprises NY LLC, Highland Mills. Seller: Peter H. Neuman, Newburgh. Property: 14 Hillcrest Drive, Greenwood Lake 10925. Amount: $61,000.

Filed Dec. 11.

On The Spot Taxi Inc., Poughkeepsie. Seller: Peldor Realty LLC, New York City. Property: 44 Smith St., Poughkeepsie 12601.

Amount: $110,000. Filed Dec. 10.

Pnmac Mortgage Opportunity Fund Investors LLC, Moorpark, Calif. Seller: County of Orange, Goshen. Property: in Mount Hope. Amount: $17,500.

Filed Dec. 10.

PYS2 Real Estate LLC, Hopewell Junction. Seller: Inderjit Vig, et al, Wappingers Falls. Property: in East Fishkill.

Amount: $200,000. Filed Dec. 11.

State of New York Mortgage Agency, New York City. Seller: John Bach Jr., Goshen. Property: 19 Blake St., Newburgh 12550.

Amount: $65,172. Filed Dec. 10.

The Estates at Rolling Ridge LLC, Fort Lee, N.J. Seller: 76 Maple Tree LLC, Stony Point.

Property: in Goshen. Amount: $395,000. Filed Dec. 10.

U.S. Bank N.A. Seller: William J. Mazzacca, Shawangunk. Property: 501 Plains Road, Shawangunk 12589. Amount: $190,714.

Filed Dec. 10.

Wells Fargo Bank N.A. Seller: Cosmo Mitchetti, et al, Newburgh. Property: 3 Colt Place, Newburgh 12550. Amount: $307,865. Filed Dec. 11.

Wells Fargo Bank N.A. Seller: Sharon M. Faulkner, Poughkeepsie. Property: 16 Exeter Road, Poughkeepsie 12603. Amount: $419,000. Filed Dec. 8.

Wilmington Savings Fund Society FSB. Seller: Philip J. Leslie Sr., et al, Sparrow Bush. Property: 24 Upper Brook Road, Sparrow Bush 12780. Amount: $193,389.

Filed Dec. 8.

WYW LLC, Newburgh. Seller: Lisa Land LLC, Wallkill. Property: 201 Kings View Highway, Wallkill 12589. Amount: $65,000. Filed Dec. 7.

Northern Enterprise NY LLC, Highland Mills. Seller: Edward C. Bruno, Pine Bush. Property: 50 Oakland Ave., Walden 12586.

Amount: $54,800. Filed Dec. 9.

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DECEMBER 21, 2015

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FACTS Deuce Electric Corp., d.b.a.

Chaz Electrical Contracting, Campbell Hall. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

JUDGMENTS Accu-Tile II Inc., Newburgh. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Dique LLC, Port Jervis. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

ALW Construction Corp., Salisbury Mills. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

American Commercial Constructors Inc., Middletown. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Amore Packaging Inc., d.b.a.

Jomo Bags, Monroe. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Bauman Construction Inc., Chester. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

C’s Pizzeria Corp., d.b.a.

Sami’s, Kingston. $434 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Dec. 10.

Cass Construction and Restoration Inc., Chester. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Celebrity Hair Studio Inc., Newburgh. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Ciao Bella of Warwick LLC, Warwick. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Custom Modular Homes Building Systems LLC, New Paltz. $734 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 10.

David Gill Jr. Inc., Saugerties. $4,163 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 10.

22

DECEMBER 21, 2015

FamilyFootDoc Podiatry PLLC, New Windsor. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Fine Light Trading Inc., Kingston. $2,763 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Dec. 10.

Garrison’s Union Street Tavern and Wine Cellar LLC, Montgomery. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Gatti Entertainment Marketing Ltd., Accord. $245 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Dec. 10.

Glenn Bryon Hair Studio Ltd., Warwick. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Goshen Express Inc., Montgomery. $1,183 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Greenwood Lake Auto Inc., Greenwood Lake. $316 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Heli Flight Center LLC, Gardiner. $3,097 in favor of the New York State Department of Taxation and Finance, Albany.

Filed Dec. 10.

HSH Images and Noise Inc., Highland Mills. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

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Hudson Valley Paving Inc., Monroe. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Perfect Temperature LLC, Walden. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Wellbuilt Home Additions LLC, Monroe. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

JAS Property Management and Realty, Pine Bush. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Phoenicia Wines and Liquors, Phoenicia. $4,329 in favor of the New York State Department of Taxation and Finance, Albany.

Filed Dec. 10.

Whisper Wind Farm Ltd., Pine Island. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

JLM Drywall Corp., Newburgh. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Kemp Insurance Agency Inc., Goshen. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Landmark Grille, Boiceville. $5,106 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 10.

Lucretec Inc., Kingston. $194 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 10.

M. Kizun Construction Inc., Highland Mills. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Pinpoint Digital Media Inc., Monroe. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Plattekill Realty Corp., Highland. $138 in favor of the New York State Department of Taxation and Finance, Albany.

Filed Dec. 10.

Politi Electric Inc., Newburgh. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Power Rooter West Inc., Middletown. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Premier Asset Services Inc., Newburgh. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Mel and Al Inc., d.b.a. Home Away From Home, New Windsor. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

R. Foster Contracting Corp., Warwick. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Mel-Mike Restaurant Corp., d.b.a. Riverside Plaza, Saugerties. $9,261 in favor of the New York State Department of Taxation and Finance, Albany.

Filed Dec. 10.

Radiation Shielding Systems Inc., Warwick. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

New Mex Concrete, Middletown. $1,054 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

SPPA Painting Inc., New Windsor. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Orange County Agents Life and Health Agency Inc., Middletown. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

The Countryman Corp., Goshen. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

Orange County Maintenance Inc., Monroe. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

WCBJ | HV Biz

FIGURES

Victory MMA Inc., Middletown. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Winfosoft Inc., Highland Mills. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Zen Design Consultants Inc., Newburgh. $1,029 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany.

Filed Oct. 26.

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

Acree, Timothy Scott, et al.

Filed by Household Finance Realty Corporation of New York.

Action: seeks to foreclose on a mortgage to secure $115,496 affecting property located at 1711 Route 44/55, Modena 12548.

Filed Dec. 10.

Albero, Cara, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $282,200 affecting property located at 68 Lois Lane, Building K, Monroe 10950. Filed April 28.

Avery, Michael J., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $250,000 affecting property located at 42 Lindsey Road, Warwick 10990. Filed April 28.

Basch, Carl D., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $294,168 affecting property located at 2399 Albany Post Road, Walden 12586. Filed April 24.

Beeble, Thomas G., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $119,000 affecting property located at 3 Dominick Drive, Lloyd 12528. Filed Dec. 7.

Bonheur, Margalie, et al. Filed

by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $322,000 affecting property located at 23 King Road, Hopewell Junction 12533.

Filed Dec. 4.

Brennan, Gilda L., et al. Filed

by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $243,600 affecting property located at 6 Melissa Lane, Highland Mills 10930. Filed April 27.

Bundick, Antonio, et al. Filed

by The Bank of New York Mellon.

Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 44 Amy Lane, Middletown 10941. Filed April 28.

Byrnes, John J. Jr., et al. Filed

by The Bank of New York Mellon Trust Company N.A. Action: seeks to foreclose on a mortgage to secure $117,000 affecting property located at 100 Washington Ave., Montgomery 12549.

Filed April 27.

Caffrey, Sean M., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $144,000 affecting property located at 1020 Columbia St., Kingston 12401. Filed Dec. 10.

Carmona, Ronny Eric, et al.

Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $159,200 affecting property located at 23 South Dix Ave., Newburgh 12550.

Filed April 28.

Cavaluzzi, Karen Anne, et al.

Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $215,000 affecting property located at 11 Lincoln Drive, Washingtonville 10992. Filed April 28.

Cintron, Jesse Jr., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $65,000 affecting property located at 4 Horsetrail Lane, Blooming Grove 10992.

Filed April 24.

Contreras, Anita L., et al. Filed

by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $177,200 affecting property located at 380 Grand St., Newburgh 12550. Filed April 24.

Cook, Howard L., et al. Filed

by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $329,136 affecting property located at 6 Jacques Drive, Washingtonville 10992. Filed April 24.

FACTS

&

FIGURES Lecour, Laura, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $150,000 affecting property located at 489 High St., Monroe 10950. Filed April 23.

Fuscaldo, Joseph P., et al. Filed

by GMAC Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $510,000 affecting property located at 81 Timberlake Lane, Pleasant Valley 12569.

Filed Dec. 4.

Hernandez, David, 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 38 Dewitt St., Middletown 10940. Filed April 28.

Gallo, Heather, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $504,000 affecting property located at 17 Bella Vista Court, Campbell Hall 10916. Filed April 24.

Hughes, Pamela R., et al.

Filed by MB Financial Bank N.A. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 424 Derby Road, Middletown 10940.

Filed April 27.

Davis, Rebecca J., et al. Filed

by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $220,000 affecting property located at 2754 W. Main St., Wappingers Falls 12590. Filed Dec. 4.

Garcia, Betsy I., et al. Filed

by Ulster Savings Bank. Action: seeks to foreclose on a mortgage to secure $118,750 affecting property located at 40 Abruyn St., Kingston 12401. Filed Dec. 8.

Irizarry, Anna M., et al. Filed

by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $262,200 affecting property located at 602 Orrs Mills Road, New Windsor 12553.

Filed April 23.

Demetroules, Anne Marie, et al. Filed by Sun West Mortgage Company Inc. Action: seeks to foreclose on a mortgage to secure $540,000 affecting property located at 11 Campbell Road, Warwick 10990. Filed April 23.

Gates, Emmanuel, et al. Filed

by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $125,000 affecting property located at 5 McKinstry St., Newburgh 12550. Filed April 24.

DePaolo, Joseph D., et al. Filed

by Somerset Investors Corp.

Action: seeks to foreclose on a mortgage to secure $480,000 affecting property located at 20 S. Grand Ave., Poughkeepsie 12603.

Filed Dec. 3.

Goldberger, Erika M., et al.

Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 46 Milval Lane, Highland Mills 10930. Filed April 24.

Keddy, David B., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $210,000 affecting property located at 568 Oak Summit Road, Millbrook 12545. Filed Dec. 8.

Goldman, Jonathan R., et al.

Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $199,500 affecting property located at 53 Broad St., Middletown 10940. Filed April 27.

Kramer, Rose, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $172,250 affecting property located at 5 Rosemont Road, Monroe 10950.

Filed April 28.

Gratia, Rose-Myrline, et al.

Filed by Countrywide Home Loans Servicing LP. Action: seeks to foreclose on a mortgage to secure $359,109 affecting property located at 66 Dug Road, Chester 10918. Filed April 24.

Kreutzberg, Valerie, et al.

Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $288,000 affecting property located at 100 Star Mill Road, Fishkill 12524. Filed Dec. 4.

McGee, Michael, et al. Filed by The Bank of New York Mellon.

Action: seeks to foreclose on a mortgage to secure $414,324 affecting property located at 7 Waverly Court, Highland Mills 10930. Filed April 23.

Kubler, Jennifer L., et al. Filed

by The Bank of New York Mellon.

Action: seeks to foreclose on a mortgage to secure $189,000 affecting property located at 19 Brick Pond Road, Middletown 10940. Filed April 24.

McKoy, Howard L., et al. Filed

by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $182,104 affecting property located at 43 Mountain Ave., Middletown 10940. Filed April 28.

Laino, Anthony J. Sr., et al.

Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $214,806 affecting property located at 265 Milewood Road, Millbrook 12545.

Filed Dec. 4.

Miller-Singh, Linda, et al.

Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $204,000 affecting property located at 95 Harwich St., Kingston 12401. Filed Dec. 8.

Lang, Victoria, et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $166,250 affecting property located at 121 Sprague Ave., Middletown 10940. Filed April 24.

Mitchell, Thomas, et al. Filed

by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $173,000 affecting property located at 12 Russell Road, Wappingers 12590.

Filed Dec. 3.

Cortes, Marcelina, et al. Filed

by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $187,000 affecting property located at 35 Carter St., Newburgh 12550. Filed April 28.

Crowley, Erin E., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $168,750 affecting property located at 63 Pleasant Ave., Walden 12586. Filed April 24.

Dimmie, Rhonda, et al. Filed

by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $183,150 affecting property located at 33 Rivervale Road, Middletown 10940. Filed April 27.

Doran, Kareem C., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $234,671 affecting property located at 14 Coach Lane, Newburgh 12550. Filed April 24.

Edwards, Kristopher, et al.

Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $174,325 affecting property located at 2306 Whispering Hill Drive, Unit 217, Chester 10918. Filed April 28.

Elescano, Freddy D., et al.

Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $85,000 affecting property located at 105 Sterling Road, Greenwood Lake 10925. Filed April 28.

Francois, Tamarra, administrator and heir and distribute of the estate of Claudette Culbreth, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $310,000 affecting property located at 404 Everett Place, Montgomery 12543. Filed April 27.

Griffiths, Henry Lee, et al.

Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $86,600 affecting property located at 24 Old Route 299, New Paltz 12561.

Filed Dec. 7.

Gustafson-Smith, Michele Ann, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $168,000 affecting property located at 675 Prosperous Valley Road, Middletown 10940. Filed April 23.

Harris, Jeanette, et al. Filed

by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $277,500 affecting property located at 1 Emerson Drive, Washingtonville 10992. Filed April 24.

Jones, John M., et al. Filed

by Citizens Bank N.A. Action: seeks to foreclose on a mortgage to secure $120,000 affecting property located at 33 Meadow Drive, Wappingers Falls 12590.

Filed Dec. 8.

Lewis, Gwendolyn, et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $240,000 affecting property located at 45 Crane Road, Middletown 10941. Filed April 23.

Licata, George, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $265,515 affecting property located at 306 Overlook Road, Poughkeepsie 12603. Filed Dec. 3.

Lupo, Nancy A., et al. Filed

by MidFirst Bank. Action: seeks to foreclose on a mortgage to secure $260,347 affecting property located at 80 Valley View Drive, Poughkeepsie 12603. Filed Dec. 4.

Marino-Caruso, Michelle, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 67 Olde Wagon Road, Warwick 10990. Filed April 24.

Mazza, Thomas C. Jr., et al.

Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $175,000 affecting property located at 5 Christie Road, Newburgh 12550.

Filed April 23.

Monroe, Meredith M., 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 206 Pine Island Turnpike, Warwick 10990.

Filed April 28.

Morris, Karen A., et al. Filed

by The Bank of New York Mellon.

Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 44 and 44 ½ Benjamin Ave., Middletown 10940. Filed April 28.

Moss, Dannie, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $250,000 affecting property located at 228 Old Kingston Road, New Paltz 12561.

Filed Dec. 10.

Moyer, Brett, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $388,550 affecting property located at 444 Bull Road, Rock Tavern 12575. Filed April 23.

Palazzolo, Bennet M., et al.

Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $160,000 affecting property located at 71 E. Shore Road, Greenwood Lake 10925.

Filed April 24.

Panahon, Edmon O., et al.

Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $379,000 affecting property located at 300 Van Amburgh Road, Montgomery 12549.

Filed April 27.

Pedro, Douglas, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $281,808 affecting property located at 39 Sayer Road, Blooming Grove 10914. Filed April 28.

Pennant, Roy B., et al. Filed

by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 4 Alix Drive, Newburgh 12550. Filed April 24.

Phillips, Wakelyn, et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $368,720 affecting property located at 41 Hibbing Way, Newburgh 12550. Filed April 28.

Piccininni, Robert A., et al.

Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $90,000 affecting property located at 32 Nassau Road, Poughkeepsie 12601. Filed Dec. 3.

WCBJ | HV Biz

Post, Joan M., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $198,882 affecting property located at 276 Temple Hill Road, unit 2806, New Windsor 12553. Filed April 27.

Price, Joanne M., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $245,935 affecting property located at 77 N. Quaker Hill Road, Pawling 12564. Filed Dec. 4.

Reis, Norman, et al. Filed by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure $220,000 affecting property located at 18 Sutton Park Road, Poughkeepsie 12603.

Filed Dec. 4.

Rivera, David, et al. Filed by The Bank of New York Mellon.

Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 70 Oregon Trail, Pine Bush 12566. Filed Dec. 10.

Rivera, Wilfredo, et al. Filed

by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $207,000 affecting property located at 206 Fullerton Ave., Newburgh 12550. Filed April 23.

Rosselli, Marthe, et al. Filed

by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $180,000 affecting property located at 2060 Greenville Turnpike, Port Jervis 12771. Filed April 24.

Sacks, Nancy, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $190,000 affecting property located at 511 Prospect Hill Road, Cuddebackville 12729.

Filed April 23.

Sager, Christopher J., et al.

Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 2 Oak Tree Drive, Cornwall-on-Hudson 12518. Filed April 24.

Senior, Adneris, 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 13 Chestnut St., Newburgh 12550. Filed April 23.

Skouloudis, Emanuel, et al.

Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $165,750 affecting property located at 110112 Jersey Ave., Port Jervis 12771.

Filed April 23.

DECEMBER 21, 2015

23

FACTS Starr, Angela K., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $195,000 affecting property located at 1227 Burlington Road, Shawangunk 12566. Filed Dec. 10.

Stephens, Alfred A., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $145,600 affecting property located at 163 N. Miller St., Newburgh 12550. Filed April 27.

Stone, Antoine, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $398,920 affecting property located at 6 Alex Court, Middletown 10940. Filed April 23.

Thompson, Allan A., et al.

Filed by Mary L. Erratt. Action: seeks to foreclose on a mortgage to secure $739,900 affecting property located at 236 Maybrook Road, Hamptonburgh.

Filed April 24.

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Torres, William, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $373,300 affecting property located at 1426 Clove Valley Road, Hopewell Junction 12533. Filed Dec. 4.

Vasquez, Vivian, et al. Filed

by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $151,600 affecting property located at 69 Academy Ave., Middletown 10940. Filed April 24.

Trunzo, Jay P., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $273,900 affecting property located at 51 Bowen Road, Warwick 10990. Filed April 23.

Velez, Enid, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $327,090 affecting property located at 23 Stonewall Road, Monroe 10950. Filed April 27.

Unknown heirs of the estate of Debra B. Rodriguez, et al. Filed by Urban Financial of America LLC. Action: seeks to foreclose on a mortgage to secure $390,000 affecting property located at 432 Plattekill Ardonia Road, Wallkill 12589.

Filed Dec. 10.

Vanhorn, Martin E., et al.

Filed by Wells Fargo Financial Credit Services New York Inc. Action: seeks to foreclose on a mortgage to secure $151,503 affecting property located at 60 Boxbaum Road, Huguenot 12746.

Filed April 23.

White, Troy S., et al. Filed by Sterling National Bank. Action: seeks to foreclose on a mortgage to secure $60,000 affecting property located at 4 Coffey Place, Kingston 12401. Filed Dec. 9.

Williams, Kevin A., et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 210 Old Bates Gates Road, New Hampton 10958. Filed April 24.

FIGURES Yancewicz, Bruce J., et al.

Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $304,000 affecting property located at 45 Valley Ave., Montgomery 12549. Filed April 23.

Zabawski, Stanley, et al. Filed

by Ameriquest Mortgage Co. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 322 Noxon Road, Poughkeepsie 12603. Filed Dec. 5.

Zippilli, Helen A., et al. Filed

by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $308,000 affecting property located at 27 Lark St., Washingtonville 10992. Filed April 24.

MECHANIC’S LIENS 3312 Group LLC, as owner. $34,793 as claimed by Kobalt Construction Inc., Swiftwater, Pa. Property: 100 Pike St., Port Jervis.

Filed Dec. 14.

Covington Route 300 LLC, et al, as owner. $1.7 million as claimed by Pisciotta Brothers Construction LLC, Gardiner.

Property: in New Windsor. Filed Dec. 10.

Dellaportas Enterprises Inc., as owner. $8,749 as claimed by Anthony’s Custom Closets Inc., Yaphank. Property: 52 Dennings Avenue Beach, Beacon. Filed Dec. 8.

Hirons, Caren, et al, as owner. $47,497 as claimed by Janco Painting Contractors Inc., Hopewell Junction. Property: 24 Patrick Drive, LaGrangeville.

Filed Dec. 9.

Sonic Land Corp., as owner. $139,879 as claimed by PAL Construction LLC, Coventry, Conn. Property: 368 Route 211 E., Middletown 10941. Filed Dec. 8.

Tirado, Carmen, as owner. $900 as claimed by Roloson Contracting LLC, Montague, N.J. Property: 24 Houston Ave., Middletown 10940. Filed Dec. 11.

NEW BUSINESSES

DECEMBER 21, 2015

WCBJ | HV Biz

Friyo, 26 Railroad Ave., Warwick 10990, c/o Frances Bachmann.

Filed Dec. 10.

National Health Solutions Inc., d.b.a. Intelacom, 501 Route 208, Monroe 10950. Filed Dec. 17.

Hudson Valley Dustless Blasting, 2917 Route 9W, New Windsor, c/o Lucinda Retcho.

Filed Dec. 5.

National Health Solutions Inc., d.b.a. Passport to Value, 501 Route 208, Monroe 10950.

Filed Dec. 17.

JL Tools, 10 Morning Glory Lane, Warwick 10990, c/o Joseph Thomas LaNeve. Filed Dec. 5.

Occupations Inc., d.b.a. Access: Supports for Living, 15 Fortune Road W., Middletown 10941. Filed Dec. 17.

Justin’s Junk and Scrap Removal, 47 Oak St., Greenwood Lake 10925, c/o Justin William Wright. Filed Dec. 5.

Pinnam Equities Inc., d.b.a.

Bellum Packaging, 577 Route 17M, Monroe 10950. Filed Dec. 17.

K.G. Trucking, 14 Jimmy Lane, New Windsor 12553, c/o Nelson Gomez. Filed Dec. 15.

Royal Radio Rentals Inc., d.b.a. Bob’s Taxi, 206 Washington St., Newburgh 12550. Filed Dec. 17.

King Tacos, 2 David Lane, Monroe 10950, c/o Jesus Chavez.

Filed Dec. 8.

Partnerships Cajigas and Fisher Attorneys at Law, 41A Dolson Ave., Middletown 10940, c/o Emily A. Cajigas and Mark A. Fisher. Filed Dec. 16.

Sole Proprietorships A Du, 33 Kelly Hill Road, Otisville 10963, c/o Dan Li. Filed Dec. 4.

All Bets R Off Stable, 335 Guymard Turnpike, Mount Hope, c/o Sean G. Smithpeters. Filed Dec. 8.

Andrea’s Day Spa, 7 Wisner Road, Warwick, c/o Andrea Sannella. Filed Dec. 12.

BLADEZ Lawn Care, 23 Stagecoach Drive, Middletown 10940, c/o Timothy James Vance. Filed Dec. 10.

Blooming Baby, 10 Morning Glory Lane, Warwick 10990, c/o Jennifer Ellen LaNeve. Filed Dec. 5.

Ceres Consulting, P.O. Box 385, Fort Montgomery 10922, c/o Tina M. Tockarshewsky. Filed Dec. 12.

Christopher Pawelski Farm, 736 Pulaski Highway, Goshen 10924, c/o Christopher John Pawelski. Filed Dec. 16.

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

Fight on Tournaments, 13 Cortland Drive, New City 10956, c/o Joseph M. Clemente. Filed Dec. 16.

Doing Business As

Fly Guy Clothing Co., 84 Coach Lane, Newburgh 12550, c/o David Ryan Savercool. Filed Dec. 8.

Dream 1 Inc., d.b.a. Gail’s Place, 150 Route 17K, Newburgh 12550. Filed Dec. 17.

24

Jimlevas Inc., d.b.a. Olympikguys Pizzeria Grill, 60 Main St., Pine Bush 12566. Filed Dec. 17.

Manny Barber Shop, 57 Front St., Port Jervis, c/o Pedro Manuel Vargas. Filed Dec. 15.

Mark of Fifth Avenue, 24 Van Buren Drive, Monroe 10950, c/o Israel Waldman. Filed Dec. 11.

My Dog Hikes, 36 Main St., P.O. Box 555, Chester, c/o Andrea M. Klein. Filed Dec. 4.

My Little Beauty Secret, 309 Lakeshore Drive, Monroe 10950, c/o Lucy Costa. Filed Dec. 8.

New York Cleaning Solutions, 50 Rockwood Circle, No. 3E, Middletown, c/o Michael Manzo.

Filed Dec. 17.

Orange Planet Project OP2, 255 Route 17K, Suite 201, Newburgh 12550, c/o Christiane A.S. Kinne. Filed Dec. 16.

Regal Venal, 509 Overlook Drive, Middletown, c/o Jallissa Amour Rodriguez. Filed Dec. 5.

River Rock Hair Salon, 625 Glenwood Road, Unit 1A, Pine Island, c/o Suzanne Caiafa-Roat.

Filed Dec. 8.

Stephen D. Cook, L.U.T.C.F., 2874 Route No. 94, Blooming Grove 10914, c/o Stephen D. Cook.

Filed Dec. 12.

Var Cadaipane Business, 110 Sycamore Drive, Middletown 10940, c/o Louis Joseph Var Cadaipane Jr. Filed Dec. 8.

VAS Plumbing, 818 W. Kaisertown Road, Montgomery 12549, c/o Vincent Anthony Saggese.

Filed Dec. 10.

Yesenia Arias Skin Care, 219 Route 32, Central Valley, c/o Yesenia Arias. Filed Dec. 12.

LEGAL NOTICES The Expat Family, LLC Art. of Org. filed with NY Secretary of State (SSNY) on 10/21/15.

Office located in Westchester Co. SSNY designated as agent upon which process may be served. SSNY shall mail a copy of process to The Expat Family, LLC, 106 Madison Rd, Scarsdale NY 10583, LLCís primary Business location.

Purpose: any lawful business activity. #60274 11 Kathy Realty LLC, a domestic LLC, filed with the SSNY on 11/5/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Abraham Rabadi, 321 Mclean Ave., Yonkers, NY 10705. General purpose. #60276 Neversink Acres LLC, a domestic LLC, filed with the SSNY on 9/29/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Joseph Annunziata, 17 Arlington Rd., Scarsdale, NY 10583. General purpose. #60277 Notice of Formation of CapBrook, LLC Art. Of Org. filed with SSNY on 11/3/2015.

Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 226 Hunt Ln North Salem, NY 10560. Purpose: any lawful purpose. #60281 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME OF LLC: LAZARUS LEADING LADIES, LLC. Arts. of Org. filed NYS Department of State 08/13/2015. Princ. off. loc.: Westchester Cty. Sec. of State designated as agent of LLC upon whom process against it may be served. Sec. of State shall mail a copy of process to the LLC, c/o United States Corporation Agents, Inc., 7014 13th Avenue, Suite 202, Brooklyn, NY 11228. Purpose: any lawful activity. #60282 Notice of Formation of RALPH T. GARGIULO LLC Art. Of Org. filed with SSNY on 9/4/15.

Offc. Loc: 730 Pelham Rd, Apt 4G New Rochelle, NY 10805 Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 730 Pelham Rd. Apt 4G, New Rochelle, NY 10805 Purpose: Wholesale Sales #60283 Notice of Formation of Southern Cross LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 10/28/15.

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 Wertheimer Fredman, LLC, 333 Westchester Ave., Ste. S-302, White Plains, NY 10604.

Purpose: any lawful purpose. #60287

Notice of formation of 250 South Columbus, LLC. Arts. of Org. filed with SSNY on 11-0415. Office location Westchester County. SSNY designated as agent for service of process upon LLC. SSNY shall mail process to Dennis Douglas 41 West Lincoln Avenue, Mount Vernon NY, 10550. Purpose: Any lawful purpose. #60290 Notice of formation of Limited Liability Company (ìLLCî).

Name: Niagara Gateway LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on November 10, 2015. 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 Niagara Gateway LLC, 1055 Saw Mill River Road, Suite 204, Ardsley, New York 10502. Purpose/character of LLC is to engage in any lawful act or activity. #60291 Notice of formation of Limited Liability Company (ìLLCî).

Name: Niagara Gateway Manager LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on November 10, 2015. 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 Niagara Gateway Manager LLC, 1055 Saw Mill River Road, Suite 204, Ardsley, New York 10502. Purpose/character of LLC is to engage in any lawful act or activity. #60292 Notice of formation of Limited Liability Company (ìLLCî).

Name: Niagara Gateway Associates I LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on November 10, 2015. 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 Niagara Gateway Associates I LLC, 1055 Saw Mill River Road, Suite 204, Ardsley, New York 10502. Purpose/character of LLC is to engage in any lawful act or activity. #60293 Notice of Formation of EEJ REALTY LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 5/22/15.

Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 505 White Plains Rd., Eastchester, NY 10709.

Purpose: any lawful act or activity. #60295 Biga Realty LLC, a domestic LLC, filed with the SSNY on 11/12/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 1 Frederick Ct., Harrison, NY 10528. General purpose. #60296

Notice of Formation of Look Glowing, LLC. filed with NYS Department of State on 4/17/2015. Office Loc: Westchester County. Danielle L. Della Pella has been designated as agent of the LLC upon whom process against it may be served. NYS Department of State shall mail a copy of process to the LLC, c/o Danielle Della Pella at its principal business location: 465 Chappaqua Rd., Briarcliff Manor, NY 10510.

Purpose of business: any lawful activity. #60297 LEGAL NOTICE Hudson Valley Kayaks LLC has filed articles of organization with the Secretary of State of NYS on 07/28/2015. The offices of this company are located in Westchester County, NY. The Secretary of State has been designated as agent of the limited liability company upon whom process against it may be served. The address to which the Secretary of State shall mail a copy of any process against the limited liability company served upon him or her is Legalinc Corporate Services Inc., 90 State Street Ste 700 Box 80, Albany, NY 12207 The company is organized to conduct any lawful business for which limited liability companies may be organized. #60298 Notice of Formation of An Innovative Nightlife Experience, LLC. Arts. of Org. filed with SSNY on 10/07/2015. Office location: Westchester County.

SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to James A. Mantey, 1527 Crescent Dr. Tarrytown, NY 10591. Purpose: any lawful act or activity. #60299 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: GARCHABALA HOLDINGS, LLC Articles of Organization were filed with the NY Secy. of State on 10/23/2015. 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, United States Corporation Agents, Inc., 7014 13th Avenue, Suite 202, Brooklyn, NY 11228. Purpose: any lawful business activity. #60300 Notice of Formation of 1040 Nine Acres, LLC, a domestic Limited Liability Company (LLC). Articles of Organization filed with the Secretary of State of NY (SSNY) on 10/06/2015. NY Office location: WESTCHESTER County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail a copy of any process against the LLC served upon him/her to The LLC, 8 Clark Court, Larchmont, New York 10538. Purpose: Any lawful act or activity. #60301

Class Action Recovery LLC, a domestic LLC, filed with the SSNY on 10/22/15. Office location: Westchester County.

SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Rocco Salerno Esq., 575 White Plains Rd., Ste. 1, Eastchester, NY 10709. General purpose. #60302

Notice of Formation of Armed Wright Security LLC Arts. of Org. filed with SSNY on 07/07/2015. Office loc: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to 8 South 15th Avenue Apt 3B Mount Vernon, NY 10550. Purpose - any lawful activity. #60310

Flyingbuchens LLC, a foreign LLC, filed with the SSNY on 8/19/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: The LLC, c/o David Buchen, 2 Circle Rd., Scarsdale, NY 10583. General Purposes. #60303

Notice of Formation of GreinerMaltz Realty Advisors, LLC Art. Of Org. filed with SSNY on 09/22/15. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 24-09 38th Avenue, Long Island City, NY 11101. Purpose: any lawful purpose. #60311

Notice of Formation of ICU SECURITY, LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 8/7/15. Office location: Westchester County.

SSNY designated as agent of LLC upon whom process against it may be served.

SSNY shall mail process to: 10 Trailhead Lane, Tarrytown, NY 10591. Purpose. Any lawful act or activity. #60304 Notice of Formation of TIANA CONSULTING, LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 5/19/15.

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 Kevin McCabe, 42 Indian Run, East Quogue, NY 11942.

Purpose. Any lawful act or activity. #60305 Notice of Formation of CHAAAD Consulting LLC Art. Of Org. filed with SSNY on 11/19/15. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 3108 High Ridge Rd, Yorktown Hts., NY 10598. Purpose: any lawful purpose. #60306 Notice of Formation of JEFF GRASSO CUSTOM BUILDING LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 11/10/15. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 43 Beechwood Avenue, New Rochelle, NY 10801. Purpose: any lawful act or activity. #60308 Notice of Formation of CDJWB REALTY, LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 10/29/15.

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 Colin Brooks, 249 Stone Hill Road, Pound Ridge, NY 10576.

Purpose: any lawful act or activity. #60309

Name of the Limited Liability Company (LLC) Premier Accounting Solutions LLC. Date of the Article of Organization with the SSNY 10/26/2015. Registered in Westchester County. Office location: Orange County, Secy of State designated as agent upon which process may be served. Secy of State shall mail a copy of any process against it served upon him/ her to 15 Ridgeview Terrace, Goshen, NY 10924. Purpose, any lawful business activity. #60312 Notice of Formation of DBaby, LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 11/20/15. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o The LLC, 15 Coolidge Ave., White Plains, NY 10606. Purpose: any lawful activity. #60313 Notice of Formation of CNG Logistics LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 11/17/15. Office location: Westchester County.

SSNY designated as agent of LLC upon whom process against it may be served.

SSNY shall mail process to: Howard Herman, Central National-Gottesman Inc., 3 Manhattanville Road, Purchase, NY 10577. Purpose: any lawful activity. #60314 Notice of Formation of Reliable Judicial Services , LLC.. filed with NY Secy of State (SSNY) on 11/9/15. Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 15 Shoreview Drive, Unit 4, Yonkers, NY 10710. Purpose: any lawful activity #60315

Inspect & Detect LLC has filed articles of organization with the Secretary of State of NYS on 11/20/2015. The offices of this company are located in Putnam County, NY. The Secretary of State has been designated as agent of the limited liability company upon whom process against it may be served. The address to which the Secretary of State shall mail a copy of any process against the limited liability company served upon him or her is 18 Apple Lane, Putnam Valley, NY 10579 The company is organized to conduct any lawful business for which limited liability companies may be organized. #60316 600 Main Street, LLC, a domestic LLC, filed with the SSNY on 11/12/15. Office location: Westchester County.

SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Stenger, Roberts, Davis & Diamond, LLP, Attn: Ken Stenger, Esq., 1136 Rte. 9, Wappingers Falls, NY 12590. General purpose. #60317 Notice of Formation of NORTHWOOD MOTORS, LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 9/18/15. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 727 Central Ave., Scarsdale, NY 10583.

Purpose: any lawful act or activity. #60318 Fava Vita, LLC, Art. of Org. filed with NY Secy. of State on 11/09/2015. Office located in Westchester Co. Secy. of State designated as agent upon which process may be served.

Secy. of State shall mail a copy of any process against it served upon him/her to: c/o United States Corporation Agents, Inc., 7014 13th Avenue, Suite 202, Brooklyn, NY 11228.

LLC may engage in any lawful act or activity for which a limited liability company may be formed. #60320 Notice of Formation of Global HRIM, LLC Art. Of Org. filed with SSNY on 8/6/15. Offc.

Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 7 Dogwood Ln, Irvington NY 10533. Purpose: any lawful purpose. #60322 1 Woodland Rd Associates LLC, a domestic LLC, filed with the SSNY on 11/17/15.

Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served.

SSNY shall mail process to David Sarner, 129 Oak Ridge Rd., Pleasantville, NY 10570.

General purpose. #60323 Notice of Formation of Bronx Fresh Management, LLC Art Of Org. filed with SSNY on 10/01/2015. Offc. Loc: Westchester Cty. SSNY desig as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 64 Robins Road, New Rochelle, NY 10801.

Purpose: any lawful purpose. #60324

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INNOVALKEM, LLC Art. of Org. filed w/ SSNY on 09/29/2015.

Office: Westchester Co. SSNY has been designated as agent for process & shall mail to : c/o THE LLC, 29 Quintard Dr., Port Chester, NY 10573. Purpose: any lawful business activity. #60325 Notice of formation of Limited Liability Company (ìLLCî).

Name: Century Sunrise Redevelopment LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on December 3, 2015. 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 Century Sunrise Redevelopment LLC, 1055 Saw Mill River Road, Suite 204, Ardsley, New York 10502.

Purpose/character of LLC is to engage in any lawful act or activity. #60326 Notice of formation of Limited Liability Company (ìLLCî).

Name: Century Sunrise Redevelopment Manager LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on December 3, 2015. 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 Century Sunrise Redevelopment Manager LLC, 1055 Saw Mill River Road, Suite 204, Ardsley, New York 10502. Purpose/character of LLC is to engage in any lawful act or activity #60327 Notice is hereby given that an on-premise license, #TBA has been applied for by 42 Westchester Holding LLC to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 1 Rennaisance Square White Plains, NY 10601. #60328 The Annual Return of the Bossak-Heilbron Charitable Foundation Inc. for the fiscal year ended October 31, 2015 is available at its principal office located at 9421 Thrush Lane, Potomac, MD 20804 for inspection during regular business hours by any citizen who requests it within 180 days hereof. Principal Manager of the Foundation is: Alan Heilbron Dated: December 2015. #60329 Notice of Formation of DKM Marketing, LLC. Art. Of Org. filed with SSNY on 8/11/15.

Office loc: Westchester County.

SSNY designated as agent of the LLC against whom process may be served. SSNY shall mail a copy of process to US Corporation Agents, Inc. (The Registered Agent of the LLC upon whom process against it may be served) to the LLC C/O US Corporation Agents, INC, 7014 13th Avenue, Suite 202, Brooklyn, NY 11228. Purpose: Any lawful purpose. #60330

DECEMBER 21, 2015

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LEGAL NOTICES Dream Forever LLC, a domestic LLC, filed with the SSNY on 11/9/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 1 N. Broadway, Ste. 800, White Plains, NY 10601. General purpose. #60331 ACA Consultants LLC Arts. of Org. filed with SSNY 12/4/15.

Off. Loc.: Westchester Cnty.

SSNY designated as agent of LLC whom process may be served. SSNY shall mail process to: c/o the LLC, 32 Malysana Lane, New Rochelle, NY 10801. Purpose: all lawful activities. #60332 Notice of Formation of Spark Realtor LLC Art. Of Org. filed with SSNY on 12/08/2015. Offc Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 14 Hudson View Way, Tarrytown, NY 10591. Purpose: any lawful purpose. #60333 Notice of Formation of Limited Liability Company (LLC). Name: Poningo Partners LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 11/18/15. Office location: Westchester County.

SSNY is designated as agent of LLC upon whom process against it may be served.

SSNY shall mail process to: 200 Business Park Dr, Ste 203, Armonk, NY 10504, which is the principle business location of the LLC. Purpose: any lawful activity. #60334 Notice of Formation of Limited Liability Company (LLC).

Name: White Birch Holdings LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 12/07/15. Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 200 Business Park Dr, Ste 203, Armonk, NY 10504, which is the principle business location of the LLC. Purpose: any lawful activity. #60335 Notice of Formation of Limited Liability Company (LLC).

Name: TMD Construction JV 2 LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 12/09/15. Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 200 Business Park Dr, Ste 203, Armonk, NY 10504, which is the principle business location of the LLC. Purpose: any lawful activity. #60336

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DECEMBER 21, 2015

Notice of Formation of Limited Liability Company (LLC).

Name: White Birch Residential LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 12/09/15. Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 200 Business Park Dr, Ste 203, Armonk, NY 10504, which is the principle business location of the LLC. Purpose: any lawful activity. #60337 Notice of Formation of 40 Ocean Properties, LLC, a domestic Limited Liability Company (LLC). Articles of Organization filed with the Secretary of State of NY (SSNY) on 10/20/2015.

NY Office location: WESTCHESTER County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail a copy of any process against the LLC served upon him/her to The LLC, 875 Mamaroneck Avenue, Suite 400, Mamaroneck, New York 10543. Purpose: Any lawful act or activity. #60338 Notice is hereby given that an on-premise license, (EIN#) 46-3975413 has been applied for by Hacienda Azteca Deli Corporation to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 260 Saw Mill River Road in Elmsford NY 10523. #60339 Notice of Formation of Purchase Street Rye Realty LLC Art. Of Org. filed with SSNY on 12/07/2015. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 2 Peter Jay Ln., Rye, NY 10580. Purpose: any lawful purpose. #60340 Notice of Formation of Limited Liability Company (LLC).

Name: Strictly Entertainment, LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 8/26/15. 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, 19 Robbins Avenue, Elmsford, New York 10523, principal business location of the LLC. Purpose: any lawful business activity. #60341 Notice is hereby given that an on-premise license, #TBA has been applied for by Rattelesnake Jack’s Corp. to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 110 Halstead Avenue Harrison, NY 10528. #60342

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THE ANNUAL RETURN OF THE SPIRITUS GLADIUS FOUNDATION for the fiscal year ended August 31, 2015 is available at its principal office located at 800 Westchester Avenue, Suite S-618, Rye Brook, NY 10573-1373 for inspection during regular business hours by any citizen who requests it within 180 days hereof. Principal Manager of the Foundation is DONALD E. HANDELMAN. #60343 Name of LLC: Pappiís Mediterranean, LLC Date of Filing of Articles of Organization with the NY Dept. of State: September 9, 2015 Office of the City: Westchester County, 200 School House Rd, #1B, Peekskill, NY 10566 The NY Secretary of State has been designated as the agent upon whom process may be served. NYYSS may mail a copy of any process to the LLC c/o United States Corporation Agents, Inc., 7014 13thAvenue, Suite 202, Brooklyn, NY 11228 Purpose of LLC: Any lawful purpose permitted for LLCS under NY limited Liability Company Act #60344 Care Soft Solution Technical Service LLC. Art. of Org. filed w/ SSNY 9/1/15. Office in Westchester Co. SSNY designated for service of process and shall mail to: The LLC, 59 Waring PL, Apt-1FL, Yonkers, NY 10703. Purpose: Any lawful activity Ad # 60284 Notice of Formation of Starblast Cleaners, LLC Art. Of Org. filed with SSNY on 11/02/15. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the Starblast Cleaners LLC, 134 Jensen Avenue Mamaroneck, NY 10543 Purpose: any lawful purpose. Ad # 60285 Notice is given of the formation of Nikos International, LLC, by the filing of Articles of Organization with the Secretary of State (SOS) of the State of New York on October 15, 2015. The office is located in Westchester County, New York. The SOS has been designated as agent of the LLC upon whom the process may be served. The SOS shall mail a copy of any process against the LLC served upon him/her to The LLC c/o Komal Choksi, 12 Baldwin Lane, Scarsdale, NY 10583. The purpose of the LLC is to engage in any lawful act or activity. Ad # 60286 Notice is hereby given that an on-premise license, #TBA has been applied for by MAAC Hospitality Group LLC to sell beer, wine and liquor at retail in an on premises establishment.

For on premises consumption under the ABC law at 26 Purchase Street Rye, NY 10580. Ad # 60345

SUPREME COURT OF THE STATE OF NEW YORK ñ COUNTY OF WESTCHESTER INDEX # 70704/13 FILED: 11/23/2015 SUPPLEMENTAL SUMMONS AND NOTICE Plaintiff designates Westchester County as the place of trial. Venue is based upon the County in which the mortgaged premises are situated. OCWEN LOAN SERVICING, LLC, Plaintiff(s), against MERRY LYONS, DORIS GASTON, unknown heirs at law of DORIS GASTON and if they 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 at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors, and assignees of such deceased, any and all persons deriving interest in or lien upon, or title to said real property by, through or under them, or either of them, and their respective wives, widows, husbands, widowers, heirs at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors and assigns, all of who and whose names, except as stated, are unknown to plaintiff; KOWAN LYONS, unknown heirs at law of ARETHA LYONS and if they 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 at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors, and assignees of such deceased, any and all persons deriving interest in or lien upon, or title to said real property by, through or under them, or either of them, and their respective wives, widows, husbands, widowers, heirs at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors and assigns, all of who and whose names, except as stated, are unknown to plaintiff; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE, UNITED STATES OF AMERICA, “JOHN DOE #11” through “JOHN DOE #23,” 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, Defendant(s). TO THE ABOVE NAMED DEFENDANTS: 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 ATTORNEYS 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 YOU 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. YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve a copy of your answer, or, if the complaint is not served with this summons, to serve a notice of appearance on the Plaintiff’s attorney within 20 days after the service of this summons, exclusive of the day of service (or within 30 days after the service is complete if this summons is not personally delivered to you within the State of New York); The United States of America, if designated as a Defendant in this action, may appear within (60) days of service thereof and in case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the complaint. NOTICE OF NATURE OF ACTION AND RELIEF SOUGHT: THE OBJECT of the above captioned action is to foreclose on a mortgage dated June 21, 2007, executed by ARETHA LYONS AND DORIS GASTON to BANK OF AMERICA to secure the sum of $251,500.00 and recorded in Document 472040432, in the Office of the CLERK of the County of WESTCHESTER on July 30, 2007, which mortgage was assigned to OCWEN LOAN SERVICING, LLC., by assignment of mortgage which is dated June 21, 2007, covering premises known as 19 Belknap Avenue, Yonkers, NY 10710-5403, (Section 3 Block 3145 and Lot 42.43). The relief sought in the within action is a final judgment directing the sale of the premises described above to satisfy the debt described above. To the above named Defendants: The foregoing summons is served upon you by publication pursuant to an order of the Hon. Sam D. Walker, Justice of the Supreme Court of the State of New York, and filed along with the supporting papers in the Office of the Clerk of the County of Westchester on November 16, 2015. This is an action to foreclose on a mortgage. ALL that certain plot, piece or parcel of land, with the buildings and improvements thereon erected, situate, lying and being in the City of Yonkers, County of Westchester and State of New York, Section 3 Block 3145 and Lot 42.43, said premises known as 19 Belknap Avenue, Yonkers, NY 10710-5403. YOU ARE HEREBY PUT ON NOTICE THAT WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. By reason of the default in the payment of the monthly installment of principal and interest, among other things, as hereinafter set forth, Plaintiff, the holder and owner of the aforementioned note and mortgage, or their agents have elected and hereby accelerate the mortgage and declare the entire mortgage indebtedness immediately due and payable. The following amounts are now due and owing on said mortgage, no part of any of which has been paid although duly demanded: the entire unpaid principal balance of $249,760.93 to be immediately due and payable under the mortgage herein foreclosed, plus interest at the rate calculated in accordance with the provisions of the note from May 1, 2008, together with unpaid late charges in the amount of $332.19 that have accrued prior to this action as of April 9, 2013. UNLESS YOU DISPUTE THE VALIDITY OF THE DEBT, OR ANY PORTION THEREOF, WITHIN THIRTY (30) DAYS AFTER YOUR RECEIPT HEREOF THAT THE DEBT, OR ANY PORTION THEREOF, IS DISPUTED, THE DEBTOR JUDGMENT AGAINST YOU AND A COPY OF SUCH VERIFICATION OR JUDGMENT WILL BE MAILED TO YOU BY THE HEREIN DEBT COLLECTOR. IF APPLICABLE, UPON YOUR WRITTEN REQUEST, WITHIN SAID THIRTY (30) DAY PERIOD, THE HEREIN DEBT COLLECTOR WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR. IF YOU HAVE RECEIVED A DISCHARGE FROM THE UNITED STATES BANKRUPTCY COURT, YOU ARE NOT PERSONALLY LIABLE FOR THE UNDERLYING INDEBTEDNESS OWED TO PLAINTIFF/CREDITOR AND THIS NOTICE/DISCLOSURE IS FOR COMPLIANCE AND INFORMATIONAL PURPOSES ONLY. HELP FOR HOMEOWNERS IN FORECLOSURE New York State requires that we send you this notice about the foreclosure process. Please read it carefully. SUMMONS AND COMPLAINT You are in danger of losing your home. If you fail to respond to the Summons and Complaint in this foreclosure action, you may lose your home. Please read the Summons and Complaint carefully. You should immediately contact an attorney or your local legal aid office to obtain advice on how to protect yourself. SOURCES OF INFORMATION AND ASSISTANCE The State encourages you to become informed about your options in foreclosure. In addition to seeking assistance from an attorney or legal aid, there are government agencies, and non-profit organizations that you may contact for information about possible options, including trying to work with your lender during this process. To locate an entity near you, you may call the toll-free helpline maintained by New York state Banking Department at 1-877-Bank-NYS or visit the Departmentís website at www.banking.state.ny.us #60319

Statement of ownership, management, and circulation (required by U.S.C. 3685). 1. Title of publication: Westchester County Business Journal. 2. Publication #: 7100. 3. Date of filing: December 15, 2015. 4. Frequency of issue: Weekly. 5. No. of issues published annually: 52. 2. Annual subscription price: $60. 7. Complete mailing address of known office of publication: 3 Westchester Park Drive Suite G 7, White Plains, NY 10604. Contact Person: Sylvia Sikoutris. Phone Number 914-694-3600. 8. Complete mailing address of headquarters or general business office: 3 Westchester Park Drive Suite G 7, White Plains, NY 10604. 9. Full names and complete mailing address of publisher, editor and managing editor: Publisher: Dee DelBello, Westfair Communications Inc., 3 Westchester Park Drive Suite G 7, White Plains, NY 10604; Managing Editor: Bob Rozycki, Westfair Communications Inc., 3 Westchester Park Drive Suite G 7, White Plains, NY 10604. 10. Owner: Westfair Communications Inc., 3 Westchester Park Drive Suite G 7, White Plains, NY 10604. 11. Known bondholders, mortgages, and other security holders owning or holding 1% or more of total amount of bonds, mortgages or other securities: None. 12. Tax Status: Has not changed during preceding 12 months. 13. Publication title: Westchester County Business Journal. 14. Issue Date for Circulation Data Below: December 14, 2015. 15. Extent and nature of circulation: A. Average no. copies (net press run): average no. copies each issue during preceding 12 months 4,914; number of copies of single issue published nearest filing date – 4,937. B. Paid and/or requested circulation: 1. Paid/Requested Outside-County Mail Subscriptions Stated on Form 3541, Average No. Copies Each Issue During Preceding 12 Months – 593. No. Copies of Single Issue Published Nearest to Filing Date 541. 2. Paid In-County Subscriptions stated on Form 3541 - Average No. Copies Each Issue During Preceding 12 Months 2,065. No. Copies Of Single Issue Published Nearest to Filing Date – 1,909. 3.Sales Through Dealers and Carriers, Street Vendors, Counter Sales, and Other Non-USPS Paid Distribution: average no. copies each issue during preceding 12 months - 0; number of copies of single issue published nearest filing date - 0. 4. Other Classes Mailed Through the USPS: average no. copies each issue during preceding 12 months 0; number of copies of single issue published nearest filing date - 0. C. Total Paid And/ Or Requested Circulation (Sum Of 15b.(1),(2),(3), and (4).: Average No. Copies Each Issue During Preceding 12 Months – 2,658; Number Of Copies Of Single Issue Published Nearest Filing Date 2,450. D. 1. Free Distribution by Mail. Outside County as Stated on Form 3541: average no. copies each, issue during preceding 12 months -136. Outside County as Stated on Form 3541: number of copies of single issue published nearest filing date – 36. Free or Nominal Rate In-County Copies Included on PS Form 3541: average no. copies each, issue during preceding 12 months 2005. Free or Nominal Rate In-County Copies Included on PS Form 3541: number of copies of single issue published nearest filing 2,359. 3. Free or Nominal Rate Copies Mailed at Other Classes through the USPS (e.g. First-Class Mail): average no. copies each issue during 12 months 0. No. copies of single issue published nearest to filing date 0. 4. Free or nominal rate distribution outside the mail (carrier or other means): average no. copies each issue during preceding 12 months 0. No. copies of single issue published nearest to filing date 0. E. Total Free or nominal rate distribution (sum of 15d (1), (2), (3) and (4): average no. copies each issue during preceding 12 months 2,141. Number of copies of single issue published nearest filing date 2,395. F. Total Distribution (sum of 15C and 15e): average no. copies each issue during preceding 12 months – 4,799 number of copies of single issue published nearest filing date 4,845. G. Copies not distributed: average no. copies each issue during preceding 12 months – 115; number of copies of single issue published nearest filing date -92. H. Total (sum of 15F and G): average no. copies each during preceding 12 months – 4,914; number of copies of single issue published nearest filing date – 4,937. I. Percent Paid and/or requested circulation (15c by 15F times 100): average no. copies each during preceding 12 Months – 55%; number of copies of single issue published nearest filing date 51%. 16. Publication of Statement of Ownership required. Will be printed in the 12/21 issue of this publication. 17. I certify that all information furnished on this form is true and complete. I understand that anyone who furnished false or misleading information on this form or who omits material or information on the form may be subject to criminal sanctions (including fines and imprisonment) and/or civil sanctions (including civil penalties).

FACES & PLACES HOLIDAY NETWORKING PARTY More than 200 of the county’s business leaders gathered on Dec. 2 at the Westchester Country Club for the Westchester County Association’s annual holiday party.

The event sponsors were People’s United Bank, Skyline Genesis Event Marketing and Tompkins Mahopac Bank.

Identifications are from left.

1. Timothy Leddy and Mary Gadomski, VNS Westchester.

2. Joe Leake, Express Employment Professionals, and Olivia Ecker, Regeneron Pharmaceuticals.

3. John Flannery, Wilson Elser, and Robert Weisz, RPW Group.

4. Dawn French, White Plains Hospital, Michael Schiliro, PCSB, and Melinda White, Wells Fargo.

5. Brendan Meyer, Northwestern Mutual, and Marc Rosa, Merrill Lynch Wealth Management.

6. Markham Rollins, Rollins Insurance, Rick Rakow and David Richman, Rakow Commercial Realty

7. John Barnes, SL Green, and William Mooney Jr., WCA.

8. Tony Maddalena, Maddalena Group of Morgan Stanley.

9. Daniel Verona, Clarfeld Financial Advisors, and Lisa Westerfield, Westage Cos. 10. Angel Rodriguez, Corey Mulligan, Thomas Curley, and Daniel Cresci, Clarfeld Financial Advisors.

11. William Cuddy, CBRE, Frank McCullough, McCullough, Goldberger & Staudt LLP, and Carl Austin, Austin Corporate Properties.

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WCBJ | HV Biz

DECEMBER 21, 2015

27

POWERFUL WOMEN in

AND

SCIENCE RESEARCH MEDICINE ON A COLLISION COURSE?

ELLEN LEVEE

JANE BRODY

ELIZABETH FROST

Don’t miss this thought-provoking panel of renowned women in the industry, including JANE BRODY; personal health columnist for The New York Times, ELLEN LEVEE; senior director of veterinary service and Vivarium Operations for Regeneron Pharmaceuticals Inc.; and ELIZABETH FROST, Professor of Anesthesiology at Icahn Medical Center at Mount Sinai Hospital.

HOST & LOCATION: The College of New Rochelle | SAVE THE DATE: January 21 PRESENTED BY

SILVER SPONSOR

WCBJ

BENEFITTING

SUPPORTERS

WESTCHESTER COUNTY

BUSINESS JOURNAL

For more information and to RSVP, contact Danielle Brody at dbrody@westfairinc.com or visit westfaironline.com/events