rondout lighthouse logo

About

Community


Enroll

Report a lost or stolen Debit/ATM Card please call 1 (844) 890-6189. | Routing #221971086 | NMLS #684320

Wednesday, October 18 2017

News

Marjorie Rovereto

Rondout Savings Bank appoints Marjorie S. Rovereto as Chief Lending Officer

October 21, 2016

Rondout Savings Bank enriches its leadership team with the appointment of Marjorie S. Rovereto as the new Chief Lending Officer. Ms. Rovereto is an accomplished senior executive and community leader with more than 32 years of banking experience. Ms. Rovereto will join the bank on November 7, 2016. James F. Davenport, President and CEO of Rondout Savings Bank stated, “The staff and I are thrilled to be adding Margie to the senior team. She is a dynamic hands-on leader with a strong belief in supporting community both professionally and personally. Margie’s qualities align perfectly with Rondout Savings Bank’s core values.” Over the course of her career, Ms. Rovereto has served as both President and Chief Executive Officer for both Ulster Savings Bank, headquartered in Kingston, NY and Hometown Bank of the Hudson Valley, headquartered in Walden, NY. As the new Chief Lending Officer, she will apply her depth of experience to further enhance the current residential and commercial lending programs offered by Rondout Savings Bank throughout Ulster and Dutchess Counties.

“Rondout Savings Bank has always delivered the highest level of customer service. I look forward to my role as Chief Lending Officer and being a member of a strong team dedicated to meeting customer needs”, stated Ms. Rovereto. Ms. Rovereto, a Kingston resident, currently serves as an active board member of Center for Spectrum Services, the New York State Bankers Service Corp. Profit Solutions Board and the Ulster County Ethics Board. She earned her bachelor’s degree in finance and management from SUNY Albany. She is also a graduate of the National School of Finance and Management at Fairfield University.

couple receiving check from rondout at Woodstock playhouse

Rondout Savings Bank Sponsors Woodstock Playhouse Production “Pippin”

May 26, 2016

With the support of sponsors like Rondout Savings Bank, “Pippin” the musical comes to the stage of the iconic Woodstock Playhouse featuring the Woodstock Playhouse Summer Theatre Cast 2016 each weekend from August 5 through August 21.

“Pippin” is an unforgettable musical production that inspires us all to discover the magic of life that we hold within ourselves!” explained Randi Conti, the Playhouse’s Executive Director. “Through their sponsorship, the financial support Rondout Savings Bank provided has helped us deliver this extraordinary musical tale to local residents and visitors. We are very grateful to Rondout and Jim Davenport, the bank’s President and CEO.”

Douglas Farrell, the Manager of the Woodstock Playhouse, mentioned that he sees “Pippin” as the musical that represents the “Pure Spirit of the Hudson Valley.” In the lyrics of the song ‘Corner of the Sky’ you’ll find the words: “Rivers belong where they can ramble, Eagles belong where they can fly;” to Farrell, these words reflect the Woodstock Playhouse and its ability to spread its wings in a region that is so right and so supportive.

“It is wonderful that so many concerned citizens have recognized the importance of supporting the Woodstock Playhouse. Rondout Savings Bank values the local art community and particularly important iconic venues like the Woodstock Playhouse,” stated Davenport.

The Woodstock Playhouse is a vibrant venue featuring a wide range of productions, festivals and events established for the gathering of Woodstockers and visitors to its internationally recognized home of Art, Theatre, Music, celebrated small town hospitality, and a tapestry of innovative thinkers.

For more information about the Woodstock Playhouse, visit: www.WoodstockPlayhouse.org and for information about Rondout Savings Bank visit: www.RondoutBank.com.

cheryl bowers

Rondout Savings Bank promotes proven leader Cheryl Bowers as new Chief Operating Officer

February 1, 2016

Rondout Savings Bank promoted Cheryl D. Bowers to the position of Chief Operating Officer. In this new position, Cheryl will directly manage key departments of the bank to ensure efficient operations, and guide smart and profitable growth. Working in direct collaboration with President and CEO Jim Davenport and the Executive Leadership Team, Bowers will maintain Rondout Savings Bank’s mission and vision with an unwavering commitment to the communities it serves.

“As a tenured executive leader of Rondout Savings Bank and a lifelong member of the community, I will successfully lead the bank and its team to make decisions and execute strategic initiatives that will support long-term independent growth,” Bowers stated. “At the same time, I will never lose sight of my commitment to the community and be a good steward to the communities we serve.”

With more than 25 years of experience in local banking, Cheryl has honed her skills in meeting the needs of local businesses and individuals. As Chief Operating Officer, she stated she is committed to the continued process of strengthening banking services and building on the bank’s powerful relationship banking practices. “Providing the highest value to our customers and the community will remain a top priority”, stated Bowers.

She has been an integral part of Rondout’s Executive Leadership Team since 2008, after joining the bank in 2001 as a founding Business Banking Department Team member. Prior to joining Rondout Savings Bank, she held various leadership positions at other area financial institutions.

“I am so proud and honored to have the opportunity to help lead such a well-respected, reputable community bank. We were established in this very community in 1868 – being able to have a role in continuing this legacy is both exciting and humbling.”

Bowers is a high honors graduate from the American Bankers Association Stonier Graduate School of Banking at the University of Pennsylvania. She also earned a Leadership Certificate from the Wharton Business School. She is an active committee member with the New York Bankers Association and has been a speaker at the Annual Women’s Leadership Conference.

Bower’s leadership skills and volunteerism have been recognized in the greater community as well, where she formerly chaired the Ulster County Chamber of Commerce. She also serves on the boards of The State University of New York at Ulster Foundation, The Kingston Boys and Girls Club, the Kingston Lions Club, the American Heart Association, Secretary of Health Alliance, and Mary’s Avenue Campus Board. Cheryl is a past honoree of the YWCA Tribute to Women, and was named Volunteer of the Decade by Gateway Community Industries. In June 2014, she was named Kingston Lion of The Year for her long-standing membership and volunteerism. Bowers is a lifelong native of Kingston where she resides with her husband and two children.

Ann Swenson

Rondout Savings Bank appoints Ann Swenson new Chief Risk Officer

January 1, 2016

Rondout Savings Bank recently promoted Ann Swenson to the position of Chief Risk Officer. In her new position as part of the Senior Management Team, Swenson will be responsible for overseeing internal audit, compliance, Bank Secrecy Act (BSA), and commercial loan review.

Rondout Savings Bank President Jim Davenport stated that Swenson has been instrumental in the bank developing an exceptional reputation in the industry.

“The bank’s carefully planned growth has been structured and achieved in large part through Ann’s leadership and expertise.” He added that “Rondout’s continued BauerFinancial, Inc. 5-Star Superior Quality Rating is in large part the result of Ann’s skills at balancing the trade-offs between risk and return.”

Swenson stated she will bring her experience, organizational skills, and attention to detail to the new position. She said her main task will be “managing risk within the institution while assisting in meeting its strategic goals.”

The new Chief Risk Officer holds a Bachelor of Science in Accounting from Marist College. Swenson has 23 years of experience in the banking industry, and joined Rondout Savings Bank in 2006 as their Internal Auditor. She was promoted shortly thereafter to Assistant Vice President of Audit, and then Assistant Vice President of Risk Management. Swenson is a graduate of the National School of Banking, and is a Certified Community Bank Compliance Officer (CCBCO).

As an active member of the community that Rondout Savings Bank serves, Swenson sits on the Board of United Way of Ulster County. The Board oversees the many community programs and partnerships that the United Way provides by targeting funds to high quality, local programs and services that meet identified community needs.

Swenson lives in Dutchess County with her husband and sons.

Brittany Schatzel

Rondout Savings opens lines of communication with the Spanish speaking community

December 1, 2015

Rondout Savings Bank’s recent promotion of Brittany Schatzel to a Customer Service Representative (CSR) Supervisor position will provide area Spanish speakers searching for a local bank a comfortable environment where they can successfully manage their personal and business checking, savings and loans.

“With my ability to speak Spanish, I personally hope to bring more Spanish speaking clients to the bank,” Schatzel said. “We have a lot of Spanish speaking people in our community. With my promotion to CSR, it is now beneficial to our customers that I will be able to sit down, listen to their needs and help them on a more personal level. I look forward to working with the Spanish speaking community and I feel we have a lot to offer.”

Schatzel started the new position in the beginning of March at the Ulster Avenue Branch. In addition to supervisor responsibilities, Schatzel will be opening new accounts for customers and dealing directly with customers to better understand their needs.

“I am very excited to start my new position. It will not only give me added responsibility, but it will also broaden my knowledge and experience in the banking industry,” she stated.

Schatzel received a Bachelor’s degree at SUNY New Paltz in 2012 in Spanish and Latin American and Caribbean Studies. The new CSR Supervisor also took a translating course through SUNY Ulster in April of 2013. Schatzel was hired at Rondout Savings Bank in July of 2014 as a full time Teller at the Broadway branch.

“I never thought about a career in banking until I started working at Rondout Savings Bank, and I am really glad I did. I love working here. I look forward to coming to work in the morning, and I leave with a smile on my face at night, which I think is one of the most important things about the job.”

Francesca Szabadi

Rondout Savings Bank Board Elects Corporate Secretary

November 1, 2015

Rondout Savings Bank’s Board of Trustees recently elected Francesca Szabadi Corporate Secretary. Szabadi also serves as the Executive Administrative Officer for Rondout Savings Bank and its subsidiary, Rondout Financial Services, reporting directly to President and CEO Jim Davenport.

She joined the bank in 2009 with 15 years of experience providing high-level administrative support for not-for-profit organizations and corporations in the Hudson Valley.

“It’s a pleasure to work with an executive team that cares deeply about the communities we serve,” Szabadi stated. “At the end of the day, it’s satisfying to know that 10 percent of the bank’s annual earnings go back into the community where I work, live, and raise a family. Rondout’s “Dividend to the Community” program, which helps many local not-for-profits and civic groups, has steadily increased over the years and I’m glad to be a part of that success.”

Szabadi’s responsibilities include supporting the compliance and risk area of the bank, managing the corporate records in accordance with state and federal guidelines and regulations, recording minutes of the board and committee meetings, and overseeing the bank’s Vendor Management program.

Szabadi is a member of the 2015 graduating class of the Ulster Leadership Development Institute. She is a licensed New York State Notary and holds a Bachelor of Science degree from SUNY ESF in conjunction with Syracuse University. Szabadi serves on the Ulster County Junior Achievement Advisory Committee and is an active member of the Rondout Rowing Club, which supports Kingston High School’s crew team.

Terri Ferris

Rondout Savings Bank joined by seasoned Retail Area Manager of 25 plus years

October 1, 2015

Rondout Savings Bank hired Terri Ferris to the position of Assistant Vice President / Retail Area Manager. In this position Ferris will be overseeing and assisting the Branch Management Team in achieving daily sales and service responsibilities.

Ferris joined the Rondout Savings Bank team in December 2014. The new Retail Area Manager comes to Rondout Savings Bank with 27 years of banking experience.

Rondout Savings Bank President and CEO Jim Davenport stated he is very pleased the bank is adding Terri Ferris to its relationship minded management team. “Terri is a banker with local community knowledge and roots, while being well-versed in the latest technological developments positively impacting banking services,” Davenport said.

The new Retail Area Manager stated that she is truly excited to get involved with the communities that Rondout Savings Bank serves.

“I’m excited to start to get out in the community and meet with our existing and potential customers to discuss how we can assist in meeting all their current and future financial needs,” Ferris stated.

Ferris’ years of experience in the banking industry are matched by a strong commitment to community service. She has served on many chamber boards, not-for-profit committees, and Rotary Clubs. In addition to serving on many boards, Ferris has been a volunteer for the American Cancer Society, American Heart Association, and Juvenile Diabetes.

Leslie Sewell and Heather Hart

Rondout Savings Bank Names Leslie Sewell Ulster Branch Operations Supervisor, Heather Hart Branch Manager

September 1, 2015

Rondout Savings Bank recently announced of the promotion of Leslie Sewell to Operations Supervisor and Heather Hart to West Hurley Branch Manager. Hart has filled the role formerly held by Sewell. The two collaborated during the transitional period.

“I worked with Heather for two weeks and was able to introduce her to our clients in West Hurley,” Sewell said. “The transition with customers went really well. Together we worked with branch employees and customers to further streamline the transition.”

Sewell said she is eager to start her new position as Operations Supervisor, adding that Hart is ideally suited to take over her former Branch Manager position. Hart’s new duties will include taking on the responsibility for increasing deposits, referrals, and loan applications. Hart’s qualifications include past customer service and assistant branch manager roles. The new Operations Supervisor said the transitional period was productive, and she can now move forward with Hart leading the team at the West Hurley Branch.

“Having been in banking for 20 years, I look forward to bringing all of my past experiences to my new position,”

She will now be responsible for the overall operations of the back office and maintaining excellent customer service and professionalism.

Hart said the time spent with Sewell meeting clients, reviewing sales tracking reports, and being introduced to the staff was essential to allow for the seamless transition to the position. Hart added she is motivated to work with the West Hurley staff because of the strong community ties the employees have and Sewell’s legacy of leadership.

“I will continue with Leslie’s exemplary customer service focus,” Hart said. “As the West Hurley Branch Manager, I will continue to train and develop the tellers to recognize sales opportunities. I am very impressed by the staff and their efforts, such as account openings and visiting potential businesses. I am looking forward to meeting more local business owners and the Woodstock Chamber of Commerce – showing them how a small community bank differs from its competitors.”

Sewell has been with Rondout Savings Bank since August 2011 as a Teller, Branch Operations Supervisor, and Branch Manager. In September 2014, she started the Ulster Leadership Development Institute sponsored by the Ulster County Chamber of Commerce. “I am very excited to be a part of this year’s class as there are some new and exciting things we are starting,” she stated. Sewell lives in Highland with her husband and two children, ages 6 and 11.

Heather Hart, a Saugerties High School graduate, has been in banking since 2010. She started at Rondout Savings Bank’s Ulster Branch as a Customer Service Representative in July 2013. In August of 2014, she was promoted to Ulster Assistant Branch Manager. Hart enjoys spending time with her husband and golden retriever. She completed the NYC and Chicago Marathons and several half marathons. “I’m hoping to incorporate my passion for running and dogs into my community involvement in the West Hurley area,” she stated.

Events

Hurley Family in front of a rondout bank table

Hurley Family Day

May 21, 2016

On Saturday, May 21st our Hurley Ridge branch helped sponsor the last minute re -scheduled, Hurley Family Day. Thankfully the weather held and we had lots of people stopping by our table, enjoying our giveaways and entering the raffle for a “movie night” basket; the happy winner was one of our customers, James Lawson. The majority who tried to guess the amount of M&Ms in the mason jar also signed up to have us contact them about RSB and its services (very clever!) The Market decided to change things up this year and had all the food vendors inside which left us full reign of the parking lot and bouncy house, and of course we had a cheery, smiling group to great everyone!

Woodstock Cycling

Women’s Woodstock Cycling Grand Prix:

May 7, 2016

The 4th annual Women’s Woodstock Cycling Grand Prix (WWCGP), a one-day bicycle road race for licensed female cyclists, was held on Saturday, May 7, 2016 starting in Woodstock, New York and extending throughout Upper Ulster County, to include Saugerties, Shandaken (Phoenicia) and Hurley (Glenford). The event was presented by the following founding sponsors: Rondout Savings Bank, Garneau Sports, Naccarato Insurance, and Orthopedic Associates of Dutchess County, as well as support from many other local businesses. Proceeds and PR from the event went to benefit the WFO (World Federation of Orthodontists), Boys & Girls Club of Ulster County and Mountain2Mountain.

Racers from all over North America came to the WWCGP 2016 to compete for prizes as well as to experience bicycle racing on some of the most demanding as well as scenic roads in the Northeast including incredible topography, amazing hospitality and wondrous local attractions. This USAcycling sanctioned event was intended to both be a celebration of women on and off the bicycle as well as our community at large. Despite the damp and at times rainy conditions, thanks to the sponsors, volunteers, and phenomenal support from law enforcement, fire departments, ambulance corps and agencies as well as local businesses, we were able to put on an exceptional race through our scenic Catskill mountains.

Lynda Proper

Mother’s Day Bake Sale:

May 5, 2016

The Broadway Branch of Rondout Savings Bank was the host of this year’s Annual Mother’s Day Bake Sale on Thursday, May 5th & Friday, May 6th to help raise money our their 2016 Charities of Choice: The Hospice Foundation of the Hudson Valley and the WGHQ Happy Christmas Fund.

We were very excited to once again be adding “crafts” to this fundraiser! There was beautiful hand painted glassware and handmade earrings as well as delicious baked goods all donated by our talented staff brought our total for our Charities of Choice to an amazing $971.00!

women speaking into podiem at Hudson River Gala

Hudson River Maritime Museum Opening Gala Reception

April 29, 2016

On April 29th, Francesca, who is also a board member of the HRMM, spoke on behalf of Rondout Savings Bank at the Museum’s Opening Gala Reception for their 2016 season, where they proudly displayed their new and refreshed exhibits. Rondout Savings Bank is a sponsor of the new wooden boat building exhibit that chronicles the history of wooden boat building in the Hudson River Valley with an emphasis on the Rondout Creek. This exhibit is housed in the new Riverport Wooden Boat School. The HRMM is dedicated to the preservation and interpretation of the maritime history of the Hudson River, its tributaries, and related industries. Its collections are devoted to the history of shipping, boating and industry on the Hudson and its tributaries, such as the Rondout, where Kingston grew prosperous early in the 19th century around the same time Rondout Savings Bank first opened its doors.

women gathered around a table

Ulster County SPCA Fur Ball

April 9, 2016

The Ulster County SPCA’s biggest fundraiser, the Annual Fur Ball, was recently held on April 9th at the elegant Diamond Mills Hotel in Saugerties. This sold out event, also commemorating their 125th anniversary, began the evening with hors d’oeuvres and a silent auction, followed by a delicious dinner and live auction. All money raised went to benefit their “fur ever friends!”

The Ulster County Society for the Prevention of Cruelty to Animals is a private, nonprofit organization that has been serving its namesake county since 1891.

three people gathered around a table at a restaurant

Dutchess County Regional Chamber of Commerce – Celebrity Server

March 31, 2016

On March 31st Hudson Valley business leaders traded in their suits and ties for an apron and waited on their staff to help raise money for the Cosimo DiBrizzi Memorial Scholarship Fund and The Chamber Foundation’s general Scholarship Program. This scholarship, established by the family of Cosimo DiBrizzi, the Dutchess County Regional Chamber of Commerce and The Chamber Foundation, was created to honor the memory of this well respected restaurateur and friend to many in the Hudson Valley. The Cosimo DiBrizzi Scholarship is available to any resident of the Hudson Valley who is pursuing a career in the Culinary Arts at the Culinary Institute of America. Guests enjoyed a cocktail hour followed by a three course gourmet dinner paired with wine, plus dessert! At the end of the night, tips were tallied and prizes were awarded to top earners. It was a fun evening with great food and spectacular wine and the event raised over $30,000 in “tips” from the “celebrity” server staff that included our very own Cheryl Bowers!

women talking into microphone with man looking on in the background

Ulster County Regional Chamber of Commerce – Irish Person of the Year:

March 20, 2016

Chief Operating Officer, Cheryl Bowers, was honored at the Ulster County Regional Chamber of Commerce’s 47th annual Peter B. Mathews St. Patrick’s Day Breakfast as “Irish Person of the Year”! The Irish Person of the Year Award typically goes to a person of non-Irish descent who has served the community. Cheryl has served local not-for-profit organizations her entire career, currently serving as trustee on: the Boys and Girls Club of Kingston, SUNY New Paltz Foundation and Vassar Hospital. Cheryl has served organizations such as Gateway, was past Ulster Chamber Board President, and the Kingston Lions Club to name a few. We are so proud to have such community spirit at Rondout…Congratulations Cheryl “O” Bowers!

Hyde Park Chamber Mixer

March 15, 2016

The Hyde Park branch of RSB hosted the March 15th after hours Chamber Mixer where over 40 people attended. The event was catered by Hyde Park Brewing Company which since 1995 has provided fine, handcrafted beer for people in the Hudson Valley along with the newest concept of Brewpub Fresh Cuisine emphasizing seasonal, local, and fresh ingredients. It was a fun evening showing off our sister branch where a lot of good, new contacts were made.

Shamrock Run start sign

2016 Shamrock Run

March 13, 2016

RSB was once again the “Race Start/ Major” sponsor at this year’s Shamrock Run, held on March 13th. This event was started back in 1988 in the hopes of creating a “flat, fast and first class race” that would precede Kingston’s St. Patrick’s Day Parade, with cheering fans lining the roadside between Academy Green and ending at the foot of Broadway in the Rondout district. It is believed to be the largest race between New York City and Albany and a great way to get folks out in the spring and into running.

The Shamrock Run was started in 1988 in the hopes of creating a “flat, fast and first class race” that would precede Kingston’s St. Patrick’s Day Parade, with cheering fans lining the roadside between Academy Green and ending at the foot of Broadway in the Rondout district. It is believed to be the largest race between New York City and Albany and a great way to get folks out in the spring and into running. Scheduled for Sunday, March 13th, it’s a two-mile Family Fun Run that has had up to 4500 runners; this year they hope to hit 5000 and are attempting to set the World Record for runners in kilts!

The Post Race Party was held at the Rondout Neighborhood Center on Broadway in Kingston and prizes were randomly drawn from all registered runners at the Post Race Party – the Grand Prize was two roundtrip tickets to Ireland!

Valentines Bake Sale

Valentines Bake Sale

February 11, 2016

The Bank held their first fundraising event of the year on Thursday, February 11th and Friday, February 12th. It was a Valentine’s Day Bake Sale located at the 300 Broadway branch and sponsored by the Uptown branch. Everyone baked their “hearts” out and brought in loads of home-baked goodies, plus we were able to secure some mouthwatering chocolate heart pops from Krause’s Chocolates which sold like hotcakes. This great team effort brought in a total of $639.98 for the two-day event.

2016 Charity of Choice:

January 1, 2016

The two charities of choice for 2016 are Hospice Foundation of the Hudson Valley and the WGHQ Happy Christmas Fund. Established in 2001, the Hudson Valley Hospice Foundation works to raise community awareness and funding in support of Hudson Valley Hospice’s services, programs and mission to provide care, comfort and compassion to the men, women and children of Dutchess and Ulster County who are facing life limiting illnesses of themselves or a loved one. The Happy Christmas Fund continues to be an avenue to bring holiday gifts, clothing and food to local families. All fundraising initiatives of the Happy Christmas Fund are on a volunteer basis with no paid staff and all dollars raised go right back in to the communities where we live and work.

Community Involvement

Money is important, but we’ve also noticed that the idea of giving back encourages others to give, too, sometimes in terms of time and enthusiasm.


Many of us at the bank are also involved in the community in our spare time. We serve as volunteers as well as board members. Some of the organizations we volunteer our time for include:

  • American Cancer Society
  • Arts Society of Kingston
  • Bardavon / UPAC
  • Benedictine Health Foundation
  • Boys & Girls Club of Kingston
  • Boy Scouts of America – Rip Van Winkle Council
  • Center for Spectrum Services
  • Gateway Foundation
  • Hudson Valley Senior Residence
  • Jewish Federation of Ulster County
  • Kingston Hospital Foundation
  • Kiwanis Club of Kingston
  • Lions Club of Kingston
  • Mental Health Association
  • Rotary Club of Kingston
  • Ulster County Community Action
  • Ulster County Development Corporation
  • Ulster County Girl Scouts
  • Ulster County Regional Chamber of Commerce
  • United Way of Ulster County, and more!
  • YMCA of Kingston & Ulster County
  • Hope’s Fund
  • Roosevelt- Vanderbilt Historical Association
  • Hyde Park Chamber of Commerce
  • Dutchess County Chamber of Commerce
  • Community Foundation of Hudson Valley

Charitable Contributions

Our Board of Trustees, staff and their families live here and share neighborhoods, schools, houses of worship and charities with you and your families.

All decisions are made locally with local interests in mind by what we believe are the best in the business. Rondout Savings Bank is committed to our friends and neighbors. We work every day to earn the business of individuals and organizations in our community, in turn, we return a significant portion of our profits back in to the community.

Thinking in banking terms, we decided to call it our “Dividend to the Community Program.” Each and every year we donate 10% of our earnings to hundreds of area non-profit organizations for a wide range of worthy purposes.


Grant Application

If you’re the member of a local organization with a worthwhile program or project, you can apply for a grant right here and now.

Here are some links to our community organizations:

 


Rondout Savings Bank Scholarships

Rondout Savings Bank, located in Kingston, sponsors an annual scholarship to be awarded to Business majors enrolled as freshmen or returning to Ulster County Community College. A special application is available for interested candidates and the scholarship recipient is chosen by Rondout Savings Bank.

SCHOLARSHIP APPLICATION