Bonacic, Krahulik & Associates, LLP - Attorneys serving the Hudson Valley Region

	Robert E. Krahulik Bonacic, Krahulik & Associates, LLP 90 Crystal Run Road Middletown, NY 10941	Phone: (845) 986-1156 Fax: (845) 986-9421 Email: attorney@warwick.net Website: www.hudsonvalleylaw.com
	Position \| Area of Practice \| Bar Admissions \| Litigation Percentage \| Education Representative Clients \| Affiliations
	Mr. Krahulik's experience has encompassed the following areas: state and federal regulation of banks, thrift institutions and their holding companies, residential real estate, commercial real estate, real estate lending and finance, real estate titles and title insurance, leasing, foreclosures, commercial, corporate and board of director governance matters, land use, zoning and municipal law. Mr. Krahulik graduate from Siena College in 1987, cum laude, obtaining a B.B.A. in accounting and as a member of the Honor Society Alpha Kappa Alpha in recognition of his participation in a multitude of extracurricular activities. He attended Albany Law School of Union University and in 1990 graduated, cum laude, obtaining a juris doctor in law. While at Albany, he acted as a Note and Comment Editor for the Albany Law Review and acted as a Research and Writing Assistant to Professor Harold Dubroff, LL.B., LL.M. in the area of estate planning and wealth transmission. Mr. Krahulik began his career in 1989 as an associate attorney with the New York law firm of Cahill, Gordon & Reindel working in their corporate and securities law department before joining his father in the practice of law at Beattie & Krahulik in 1991. In 2000, he was appointed General Counsel of Warwick Community Bancorp and its subsidiaries, The Warwick Savings Bank and the Towne Center Bank. Mr. Krahulik's practice involves experience in connection with advising on corporate governance issues in relation the Sarbanes-Oxley legislation, closely held bank governance issues, acquisition and sales of banks, bank holding companies and thrift institutions, branch acquisitions, securities law compliance issues, Real Estate Settlement and Procedures Act (REPA) compliance, loan syndicates and participations and regulatory compliance issues. Mr. Krahulik supervises the firms residential lending department and title insurance practice and acts as Examining Counsel and as agent for Ticor Title Company. He has extensive experience in all aspects of residential and commercial real estate including real estate acquisition and finance, commercial and residential land development 1031 land exchanges, low income and affordable housing and land use and zoning. He regularly appears before many planning boards and zoning boards of appeal in connection with land subdivision and site plan approval applicants. Mr. Krahulik is a member of the Title and Transfer Committee of the Real Property Section of the New York State Bar Association, the Banking Regulation Committee and Real Estate and Mortgage Committee of the Community Banker's Association of New York State and formerly as a Director of the Hudson Valley Mortgage Bankers Association. Mr. Krahulik is an active member of the local community serving as President of the Warwick Valley Chamber of Commerce, Trustee of the Orange County Citizen's Foundation, Trustee of Orange County United Way, Chairman of the Orange County Municipal Park Advisory Committee and as a Director of Winslow Therapeutic Riding Center. He is an avid golfer, snow skier, and competitive sailboat racer. Current Employment Position(s): Member Area(s) of Practice: • Residential Real Estate • Commercial Real Estate • Real Estate Finance • Banking • Commercial • Corporate • Land Use • Zoning • Municipal Bar Admissions: • New York, 1991 • New Jersey, 1991 • Florida, 1992 • U.S. District Court Southern District of New York, 1991 • U.S. District Court District of New Jersey, 1991 • U.S. Tax Court, 1991 Litigation Percentage: 15% of Practice Devoted to Litigation Education: • Albany Law School Union University, Albany, New York, 1990 - J.D. Honors: Cum Laude Honors: Alpha Kappa Alpha Honors: Member, The Justinian Society Honors: Research Assistant & Writing Assistant to Professor Harold Dubroff • Law Review: Note and Comment Editor, Albany Law Review • Siena College, 1987 - B.B.A. Honors: Cum Laude Representative Clients: • Warwick Community Bancorp, Inc • The Warwick Savings Bank • Towne Center Bank • WVT Communications • Warwick Valley Telephone Company • Allied Excavating, Inc. • Prol Development Corp. • Log Chips, LLC • Eaglewood Custom Home Builders, Inc. • Robert Knebel General Contractor, Inc. Professional Associations and Memberships: • Orange County Bar Association - Member • New York State Bar Association, Property Law Section, 1994 - Present - Member, Title and Transfer Committee • New Jersey State Bar Association - Member • American Bar Association - Member • The Florida Bar - Member • Hudson Valley Estate Planning Council, 1991 - 1994 - Member • Warwick Valley Chamber of Commerce, 1996 - Present - Chairman, Economic and Business Development Committee • National Title Insurance Company of New York, Inc. - Examining Counsel • Warwick Valley Chamber of Commerce, 2000 - Present - President • Community Bankers Association of New York State, 1999 - Present - Member, Regulatory Committee • Village of Warwick Central Place Strategy Committee, 1998 - 1999 - Member • Orange County Chamber of Commerce, 1999 - Present - Member • Orange County Partnership Hudson Valley Pattern for Progress, 2000 - Present - Member • Orange County Citizens Foundation, Inc. - Member • Orange County Citizens Foundation, Inc., 2000 - Present - Member, Land Use Committee • Warwick Community Bancorp., Inc. - General Counsel • Warwick Savings Bank, 2000 - Present - General Counsel • Hudson Valley Mortgage Bankers Association, 2000 - Present - Board of Directors • Winslow Therapeutic Riding Unlimited, Inc., 2000 - Present - Second Vice President • Town of Warwick, 2000 - 2001 - Chairman, Code Revision Committee • Orange County Parks, 2001 - Present - Chairman, Advisory Committee Past Employment Position(s): • Cahill Gordon & Reindel, Associate Attorney, 1990 - 1991 • New York County, Special Assistant District Attorney, 1991 • First Department Judicial Screening Committee, Assistant Counsel, 1991 Pro Bono Activities: • Special Assistant District Attorney, New York County, 1991 • New York State Governor's Judicial Screening Committee, 1991 Birth Information: July 3, 1965, Warwick, New York

• Krahulik, Robert E.

• Bonacic, J. Scott

• McMahon, Peter

• Joseph Ranni

• Chapman, Langdon C.

• Wadeson, Jeanine G.

• Krahulik, Emil R.

• Bonacic, John J.

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