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HomeMy WebLinkAboutTabor, E Kenneth . " Standard N. Y.B. T. U. Form 8002 .9-61.70M-Batpn IDd Sale Deed. with Covenant apmll Granco,'. Acu- Indivldud Of Corporation (Single Sbeet) CONSULT YOUR LAWYER 8EFORE SIGNING THIS INSTRUMINT-THIS INSTRUM..,. SHOULD 81 USED 8Y LAWYIRS ONLY. U, 5, I. R. 5, t' .;1, ~ Ii . [lAfR 5656 PAGE t25 THIS INDENTURE, made the /?JX day of?/~ , nineteen hundred and sixty-four BEtwEEN E. KENNETH ,TABOR, residing at Orient, in the Town of Southold, Suffolk County, New York, ~ .. ~! .c ::a party of the first part, and 'TOWN OF SOUTHOLD, a municipal corporation with office and principal place of business at 16 South Street, Greenport, Suffolk County, New York, party of the second part, WITNESSETH, that the party of the first part, in consideration of Ten Dollars and other valuable considerati?n paid by the party of the second part, does hereby grant and release unto the party of the second part, the helrs or successors and assigns of the party of the second part forever, AU.. that certain plot, piece or pa.rcel of la.nd,~.IlI_III_"':"''''' _ ...d.... _ .d_ . 4. situate, lying and being__ at Orient, in the Town of Southold, County of Suffolk and State of New York, bounded and described as follows: BEGINNING at a monument on the westerly line of Tabor Road 513.82 feet northerly along said westerly line from Orchard Street; said point of be- ginning being the northeasterly corner of land of the party of the first part and the southeasterly corner of land of Thomas; from said point of beginning running along said westerly line of Tabor Road, South 8 degrees 06 minutes 30 seconds East, 100. 0 feet; thence along said land of the party of the first part, two courses as follows: (1) South 82 degrees 32 minutes 20 seconds West, 100. 0 feet; thence (2) North 8 degrees 06 minutes 30 seconds West, 100.0 feet to said land of Thomas; thence along sa~d land of Thomas, North 82 degrees 32 minutes 20 seconds East, 100.0 feet to the point of beginning. TOGETHER with all right, title and interest, if any, of the party of the first part in and to any streets and roads abutting the above described premises to the center lines thereof; TOGETHER with the appurtenances and all the estate and 'rights of the party of the first part in and to said premises; TO HAVE AND TO HOLD the premises herein granted unto the party of the second part, the heirs or successors and assigns of the party of the sooond part forever. AND the party of the first part covenants that the party of the first part hia.s not done or suffered anything wherQby the said premises have been encumbered in any way whatever, except as aforesaid. AND the 'party of the first part, in compliance with Section 13 of the Lien Law, covenants that the party of the first part will receive the conSideration for this conveyance and will hold the right to receive such consid- eration, as a trust fund to be applied firstJor the purpose of paying the cost of the improvement and will apply the same first to the payment of, the cost' of the improvement before using any part of the total of the same for an}" other pUTpOse. The word "party" shall 9: construe~ as if it read "parties" whenever the sense of this indenture so requires. IN .WlTNESS WHEREOF, the party of the first part has duly executed this deed the day and year first aibove wntten. IN PRESENCE OF: ~ f-~-~~ E. Kenneth Tabor f 1I8fR5656 PAGd26 STATI OF NEW YORK, COUNTY OF SUFFOLK On the/~zK day of ~.~ personally came E. KENNETH TABOR, 51: STATI O. NEW YORK. COUNTY OF 1964 . before me On the day of personally came to me known to be the individual described in and who executed the foregoing- in:;trument, and acknowledged that he executed the same,~ ~ z,:,~J. :'0.1. -E' ~ ~~ ~ "<TJ' Notary Pu lie ...~("~ ~",., ~ , ,~ " ~. " ROBERT W. 'ASKa ~q ~ 1llr.. I PUBLIC, State of Now ... ,-t.v.....;., ". '- No, 5Z49un1 ~~.. Ii. ............... nATE OF NEW YORK. COUNTY OF to me known to be the individnal executed the foregoing instrument, executed the same. 51: STATE O. NEW YORK. COUNTY OF On the day of 19 . before me personally came to me known, who, beirg by me duly sworn, did depose and say that he resides at No. that he is the of , the corporation described in and which executed the foregoing instrument; that he knows the seal of said corporation; that the seal affixed to said instrument is 5uch corporate seal; that it was so affixed by order of the board of directors of said corpora- tion, and that he signed h name thereto by like order, ill rJ -..cr <<: ~ ~r~ -: .i'l :z: ~~. .... Eo . --r= 1~ Eo .g i ~8 ..~ . - ~ '-Sl <::l- "'- P:: o >!l <<: t-< :I:l t-< ~ Z fiI :.:: Q ....l .0 :I:l t-< :::> o Ul Ii< o Z ~ o t-< ~ on '" "" on '<I' .,. ..... ~ ~ R . fiI .. u ~ " 'X) z ;; " .. 0 1Il .. .. 0 .. ... ::> .. S! .. Ii! ... ... ... i5 .. i .. .. ... u' ilii ~ 5 '" ,S " .. ~IE 0 ~ .. c'~. ~ .8 -g 01 ~ - .. ~p:j'S'.~'. . ll'S ~ !< tj " Jl 8~ .. '" 0 'j <:: ~ .9 0 ~ Jj~~ ~Ul::;l .S -c ,gj If. 19 . before me described in and who and acknowledged that "" On the day of 19 . before me personally came the subscribing witness to the foregoing instrument, with whom I am personally acquainted, who, being by me duly sworn, did depose and say that he resides at No. that he knows to be the individual described in and who executed the foregoing instrument; that he, said subscribing witness, was present and saw execute the same; and that he, said witness, at the same time subscribed h name as witness thereto. '. ."L M o >< ~v. ",. Z ~ k ::l ...... ~ f..l Q) ~ III III k .>:: k "0 00 ci.) a~ct~ '" ..... 11' "0 .~ C k';:::"'1ll 0;;:: Q) ~ S ~ k P::Ul'<l'c:l RECORDED NOV ~1964 Ii!3 ~k. M NORMAN . KLIPP Clerk of Suffolk Co\H1t'4 UNnoo )l1UdnS ~O '>I~3'O ddl"j)l'3 N"'Hl:JO~ ~91. ~ 81 f: 02 "ON ,,, 1'!~1I'l '1",p ~, ~ , .. , ~ ~. " 1 "rt ~ .~ ~., ~~ .~ ~ ~ ~ , \ ' "l r--- I i' i ~ ; r ~r "C I ~ ' ~!" ~ '~~.t>:::J~ 21: 1 tl.. ~"It o..,i .~ =lo't~'~. 00.5~'C ~=lcd:::\;.;l : t;l~;: ; >0, . g f;l : )0 l"-i . ~ e... ~ .. . z . . . o . . . . . r' Record and Return Tft.OV 2 0 1964 ~~/&~ 'j,d--f ~~ ~ ~<k.A, .~, r -----.---.---".,- "_~'_;"...,.".-."~_."",~."",,.......,.. ~...,.....-;"..,. ----- SMITH, TASKER,FINKELSTEIN AND LUNDBERG ATTORNEYS AND COUNSELORS AT LAW REGINALD C. SMITH ROBERT w: TASKER PI::BRRE O. LUNDBERG HOWARD M. FINKELSTEIN 425 MAIN STREET GREENPORT, N. Y. GREENPORT 7-1400 ARTHUR H. LUNDBERG COl1NSEL WILLIAM W. ESSEKS December 14, 1964 Hon. Albert W. Richmond Southold Town Clerk Southold, New York Re: Tabor wi Town of Southold Dear Sir: We enclose herewith deed from E. Kenneth Tabor to the Town of Southold dated November 17, 1964, and recorded in the Suffolk County Clerk's Office on November 20, 1964, in Liber 5656 of Deeds at page 125. As soon as we receive the title policy covering the subject premises, it will be sent on to you. Will you please acknowledge receipt of the enclosed deed by signing and return- ing to us the blue copy of this letter enclosed herewith for that purpose. Yo:';aly~~ ROBERT W. TASKER RWT:MY Enclosure ..".,.-r~~" '-",..-"'~._~._'-'~- ~- SMITH, TASKER, FINKELSTEIN AND LUNDBERG ATTORNEYS AND COUNSELORS AT LAW REGINALD c. SMITH ROBERT w: TASKER PIERRE G. LUNDBERG HOWARD M. FINKELSTEIN 42;:) MAIN STREET GREENPORT, N. Y. GREENPORT 7~1400 ARTHUR H. LUNDBERG COUNSEL w-ILLIAM W. ESSEKS January 25, 1965 Hon. Albert W. Richmond Southold Town Clerk Southold, New York Re: Town of Southold wI, Tabor Dear Sir: Enclosed herewith is The Title Guarantee Company fee policy No. 1245635 dated November 17, 1964, in the amount of $2,000.00 naming the Town of Southold as insured. This policy covers the property at Orient purchased from E. Kenneth Tabor for highway drainage purposes and it should be retained in your files. In order that we may have a record for our files, will you please acknowledge receipt of the policy by signing and returning to us the blue copy of this letter enclosed for that purpose. Yours very truly, ~ ~~./~ ROBERT W. TASKER RWT:MY Enclosure ~ -i , TITLE INSURANCE POLICY THE TITLE GUARANTEE COMPANY BJ1 <S0J15i~el'atioJ1 of the payment of its charges for the examination of title and its premium for insurance, insures the witlrin named insured against all loss or damage not exceeding the amount of insurance stated herein and in addition the costs and expenses of defending the title, estate or interest insured, which the insured shall sustain by reason of any defect or defects of title affecting the premises described in Schedule A or affecting the interest of the insured therein as herein set forth, or by reason of un marketability of the title of the insured to or in the premises, or by reason of liens or incumbrances affecting title at the date hereof, or by reason of any statutory lien for labor or material furnished prior to the date hereof which has now gained or which may hereafter gain priority over the interest insured hereby, or by reason of a lack of access to and from the premises, excepting all loss and damage by reason of the estates, interests, defects, objections, liens, incumbrances and other matters set forth in Schedule B, or by the conditions of this policy hereby incorporated into this contract, the loss and the amount to be ascertained in the manner provided in said conditions and to be payable upon compliance by the insured with the stipulations of said conditions, and not otherwise. BJ1 qvitJ1e55 qv~el'eof, THE TITLE GUARANTEE COMPANY has caused this policy to be signed and sealed on its date of issue set forth herein. ~\') \\\-\),.~v::' , , Va iikiting Officer or Agent (~"lA Executive Vice-President 10- ~ CONDITIONS OF THIS POLICY ~ > Section 1 DEFINITIONS (a) Wherever the term "insured" is used in this policy it includes those who succeed to the interest of the insured by operation of law including, without limitation, heirs, distributees, devisees, survivors, personal representatives, next of kin or corporate successors, as the case may be, and those to whom the insured has assigned this policy where such assignment is permitted by the terms hereof, and whenever the term "insured" is used in the conditions of this policy it also includes the attorneys and agents of the "insured." (b) Wherever the term "this company" is used in this policy it means The Title Guarantee Company. (c) Wherever the term "final determination" or "finally deter~ mined" is used in this policy, it means the final determination of a court of competent jurisdiction after disposition of all appeals or after the time to appeal has expired. (d) Wherever the term "the premises" is used in this policy, it means the property insured herein as described in Schedule A of this policy including such buildings and improvements thereon which by law constitute real property. (e) Wherever the term "recorded" is used in this policy it means, unless otherwise indicated, recorded in the office of the recording officer of the county in which property insured herein lies. Section -2 DEFENSE AND PROSECUTION OF SUITS (a) This company will, at its own cost, defend the insured in all actions or proceedings founded on a claim of title or incumbrance not excepted in this policy. (b) This company shall have the right and may, at its own cost, maintain or defend any action or proceeding relating to the title or interest hereby insured, or upon or under any covenant or contract relating thereto which it considers desirable to prevent or reduce loss hereunder. (c) In all cases where this policy requires or permits this company to prosecute or defend, the insured shall secure to it the right and opportunity to maintain or defend the action or proceeding, and all appeals from any determination therein, and give it all reasonable aid therein, and hereby permits it to use therein, at its option, its own name or the name of the insured. (d) The provisions of this section shall survive payment by this company of any specific loss or payment of the entire amount of this policy to the extent that this company shall deem it necessary in recovering the loss from those who may be liable therefor to the insured or to this company. Section 3 CASES WHERE LIABILITY ARISES No claim for damages shall arise or be maintainable under this policy except in the following cases: (a) Where there has been a final determination under which the insured may be dispossessed, evicted or ejected from the premises or from some part or undivided share or interest therein. (b) Where there has been a final determination adverse to the title, upon a lien or incumbrance not excepted in this policy. (c) Where the insured shall have contracted in good faith in writing to sell the insured estate or interest, or where the insured estate has been sold for the benefit of the insured pursuant to the judgment or order of a court and the title has been rejected because of a defect or incumbrance not excepted in this policy and there has been a final determination sustaining the objection to the title. (d) Where the insurance is upon the interest of a mortgagee and the mortgage has been adjudged by a final determination to be invalid or ineffectual to charge the insured's estate or interest in the premises, or subject to a prior lien or incumbrance not excepted in this policy; or where a recording officer has refused to accept from the insured a satisfaction of the insured mortgage and there has been a final deter- mination sustaining the refusal because of a defect in the title to the said mortgage. (e) Where the insured shall have negotiated a loan to be made on the security of a mortgage on the insured's estate or interest in the premises and the title shall have been rejected by the proposed lender < and it shall have been finally determined that the rejection of the title was justified because of a defect or incumbrance not excepted in this policy. (f) Where the insured shall have transferred the title insured by an instrument containing covenants in regard to title or warranty thereof and there shall have been a final determination on any of such cove- nants or warranty, against the insured, because of a defect or incum- brance not excepted in this policy. (g) Where the insured estate or interest or a part thereof has been taken by condemnation and it has been finally determined that the insured is not entitled to a full award for the estate or interest taken because of a defect or incumbrance not excepted in this policy. No claim for damages shall arise or be maintainable under this policy (1) if this company, after having received notice of an alleged defect or incumbrance, removes such defect or incumbrance within thirty days after receipt of such notice; or (2) for liability voluntarily assumed by the insured in settling any claim or suit without the written consent of this company. Section 4 NOTICE OF CLAIM In case a purchaser or proposed mortgage lender raises any question as to the sufficiency of the title hereby insured, or in case actual knowledge shall come to the insured of any claim adverse to the title insured hereby, or in case of the service on or receipt by the insured of any paper, or of any notice, summons, process or pleading in any action or proceeding, the object or effect of which shall or may be to impugn, attack or call in question the validity of the title hereby insured, the insured shall promptly notify this company thereof in writing at its main office and forward to this company such paper or such notice, summons, process or pleading. Delay in giving this notice and delay in forwarding such paper or such notice, summons, process or pleading shall not affect this company's liability if such failure has not prejudiced and cannot in the future prejudice this company. Section 5 PAYMENT OF LOSS (a) This company will pay, in addition to the loss, all statutory costs and allowances irl1posed on the insured in litigation carried on by this company for the insured under the terms of this policy. This company shall not be liable for and will not pay the fees of any counsel or attorney employed by the'insured. (b) In every case where claim is made for loss or damage this company (1) reserves the right to settle, at its own cost, any claim or suit which may involve liability under this policy; or (2) may termi- nate its liability hereunder by paying or tendering the full amount of this policy; or (3) may, without conceding liability, demand a valua- tion of the insured estate or interest, to be made by three arbitrators or any two of them, one to be chosen by the insured and one by this company, and the two thus chosen selecting an umpire. Such valua- tion, less the amount of any incumbrances on said insured estate and interest not hereby insured against, shall be the extent of this com~ pany's liability for such claim and no right of action shall accrue hereunder for the recovery thereof until thirty days after notice of such valuation shall have been served upon this company, and the insured shall have tendered a conveyance or assignment of the insured estate or interest to this company or its designee at such valuation, diminished as aforesaid. The foregoing option to fix a valuation by arbitration shall not apply to a policy insuring a mortgage or leasehold interest. (c) Liability to any collateral holder of this policy shall not exceed the amount of the pecuniary interest of such collateral holder in the premises. (d) All payments made by this company under this policy shall reduce the amount hereof pro tanto except (1) payments made for counsel fees and disbursements in defending or prosecuting actions or proceedings in behalf of the insured and for statutory costs and allow- ances imposed on the insured in such actions and proceedings, and (2) if the insured is a mortgagee, payments made to satisfy or subordi- nate prior liens or incumbrances not set forth in Schedule B. (e) When liability has been definitely fixed in accordance with the conditions of this policy, the loss or damage shall be payable within thirty days thereafter. CONDITIONS CONTINUED ON rNSIDE BACK COVER r N.me of Insured TOWN OF SOUTHOLD The est.te or interest insured by this policy is fee simple made by E. Kenneth Tabor dated Policy No. 1245635 Amount of Insurance $ 2,000.00 D.te of Issue 11/17/64 vested in the insured by means of a deed 11/17/64 recorded 11/20/64 SCHEDULE B The following est~tes. interests, defects, objections to title. liens lInd incumbrances and other matters ere excepted from the coverage of this policy: I. Defects and incumbrances arising or becoming a lien after the dote of this policy, except os herein provided. 2. Consequences of the exercise and enforcement or attempted enforcement of any governmental war or police powers over the premises. 3. Zoning restrictions or ordinances imposed by any governmental body. 4. Judgments agoinst the insured or estates, interests, defects. objections, liens or incumbrances cr8"ted, suffered, assumed or agreed to, by or with the privity of the insured. 5. Title to any property beyond the lines of the premises. or title to areas within or rights or e<:lsements in any abuMing streets, roads, c.venues, lanes, W<:lYs or waterwo!lYs. or t.he right to maintain therein vaults, tunnels, rl:lmps or My other structure or improvement, unless this policy specificl:Il1y provides thl:lt such titles, rights, or easements l:Ire insured. Notwithstanding lIny provisions in this poragrllph to the contrary, this policy,. unless otherwise excepted, insures the ordiMry rights of lIccess ond egress belonging to abutting owners. 6. Compli<:lnce by the buildings or other erections upon the premises or their use with Federal, Stl:lte and Municipal laws, regulations and ordi- nllnces. 7. Title to any personal property, whether the same be attoched to or used in connection with s<:lid premises or otherwise. A: Any state of facts an inspection of the premises might show. B. Survey by otto W. Van Tuyl & Son dated 11/12/64 shows vacant land. No variations. kW SCHEDULE "8" OF THIS POLICY CONSISTS OF c=J SHEET(S). REvls"i;:OEFFEcTlvE.ifile3 700'" 7.64.12M Policy No. 1245635 SCHEDULE A The premises in which the insured has the estate or interest covered by this policy ALL that certain plot, piece or parcel of land with the buildings thereon erected, situate, lying and being at Orient, in the TO\ffi of Southold, County of Suffolk and State of New York, bounded and described as follows: BEGINNING at a monument on the westerly line of Tabor Road 513.82 feet northerly along said westerly line from Orchard Street; said point of beginning being the northeasterly corner of land of the party of the first part and the southeasterly corner of land of THomas; from said point of beginning running along said westerly line of Tabor Road, south 8 degrees 06 minutes 30 seconds East 100.0 feet; thence along said land of the party of the first part two courses as follows: g~ South 82 degrees 32 minutes 20 seconds West 100.0 feet; thence North 8 degrees 06 minutes 30 seconds West 100.0 feet to said land of Thomas; thence along said land of 82 degrees 32 minutes 20 seconds East, 100.0 feet BEGINNING. Thomas, North to the point of ----- -------------------- FORM BY THE NEW YORK STATE TITl..E ASSOCIATIONI REVI!lED EFFECTIVE 1/1/83 700 * 7.64.12M I I I I Section 6 COINSURANCE AND APPORTIONMENT CONDITIONS CONTINUED FROM INSIDE FRONT COVER (a) In the event that a partial loss occurs after the insured makes an improvement subsequent to the date of this policy, and only in that event, the insured becomes a coinsurer to the extent hereinafter set forth. If the cost of the improvement exceeds twenty per centum of the amount of this policy, such proportion only of any partial loss estab- lished shall be borne by the company as one hundred twenty per centum of the amount of this policy bears to the sum of the amount of this policy and the amount expended for the improvement. The fore- going provisions shall not apply to costs and attorneys' fees incurred by the company in prosecuting or providing for the defense of actions or proceedings in behalf of the insured pursuant to the terms of this policy or to costs imposed on the insured in such actions or proceed- ings, and shall apply only to that portion of losses which exceed in the aggregate ten per cent of the face of the policy. Provided, however, that the foregoing coinsurance provisions shall not apply to any loss arising out of a lien or incumbrance for a liquidated amount which existed on the date of this policy and was not shown in Schedule B; and provided further, such coinsurance provisions shall not apply to any loss if, at the time of the occurrence of such loss, the then value of the premises, as so improved, does not exceed one hundred twenty per centum of the amount of this policy. (b) If the premises are divisible into separate, independent parcels, and a loss is established affecting one or more but not all of said parcels, the loss shall be computed and settled on a pro rata basis as if this policy were divided pro rata as to value of said separate, independent parcels, exclusive of improvements made subsequent to the date of this policy. (c) Clauses "(a)" and H(b)" of this section apply to mortgage policies only after the insured shall have acquired the interest of the mortgagor. (d) If, at the time liability for any loss shall have been fixed pur- suant to the conditions of this policy, the insured holds another policy of insurance covering the same loss issued by another company, this company shall not be liable to the insured for a greater proportion of the loss than the amount that this policy bears to the whole amount of insurance held by the insured, unless another method of apportioning the loss shall have been provided by agreement between this company and the other insurer or insurers. member companies for continuation of liability to grantees of the insured in certain specific circumstances only. In no circumstance provided for in this section shall this company be deemed to have insured the sufficiency of the form of the assignment or other instru- ment of transfer or conveyance or to have assumed any liability for the suffiCiency of any proceedings after the date of this policy. Section 8 SUBROGATION (a) This company shall to the extent of any payment by it of loss under this policy, be subrogated to all rights of the insured with respect thereto. The insured shall execute such instruments as may be requested to transfer such rights to this company. The rights so trans- ferred shall be subordinate to any remaining interest of the insured. (b) If the insured is a mortgagee, this company's right of subroga~ tion shall not prevent the insured from releasing the personal liability of the obligor or guarantor or from releasing a portion of the premises from the lien of the mortgage or from increasing or otherwise modify- ing the insured mortgage provided such acts do not affect the validity or priority of the lien of the mortgage insured. However, the liability of this company under this policy shall in no event be increased by any such act of the insured. Section 9 MISREPRESENTATION Any untrue statement made by the insured, with respect to any material fact, or any suppression of or failure to disclose any material fact, or any untrue answer by the insured, to material inquiries before the issuance of this policy, shall void this policy. Section 10 NO WAIVER OF CONDITIONS This company may take any appropriate action under the terms <?f this policy whether or not it shall be liable hereunder and shall not thereby concede liability or waive any provision of this policy. Section 11 POLICY ENTIRE CONTRACT All actions or proceedings against this company must be based on the provisions of this policy. Any other action or actions or tights of action that the insured may have or may bring against this company in respect of other services rendered in connection with the issuance of this policy, shall be deemed to have merged in and be restricted to its terms and conditions. Section 7 ASSIGNMENT OF POLICY Section 12 VALIDATION AND MODIFICATION If the interest insured by this policy is that of a mortgagee, this policy may be assigned to and shall inure to the benefit of successive assignees of the mortgage without consent of this company or its en- dorsement of this policy. Provision is made in the rate manual of New York Board of Title Underwriters filed with the Superintendent of Insurance of the State of New York on behalf of this and other This policy is valid only when duly signed by a validating officer or agent. Changes may be effected only by written endorsement. If the recording date of the instruments creating the insured interest is later than the policy date, such policy shall also cover intervening liens or incumbrances, except real estate taxes, assessments, water charges and sewer rents. ENDORSEMENTS N.Y.B.T.U. "ORM 100D tAL.SO ...DOPTIi:D AS'" STANDARD POL.ICY FORM BY THE NIi:W YORK STATE TITLE ASSOCIATIONI REVISED E....ECTIVE 1/I/G3 700 * 7.64.12M I _" ____ __ _.___._.____.._____.__.___~__._.~~~M..____~.._.__..~,~..._.___._._~_._.,.=_______ '- ~<jv~ ~ ~7{'(/' t1f/~'~ / ~41~/ 'F~ A Valuable Document crlcrLB Insurance pOLlecr THE TITLE GUARANTEE COMPANY CHART6".D '..3 IN NEW YORK Title Insuranu Throughout NEW YORK, NEW JERSEY, CONNECTICUT, MASSACHUSETIS, MAINE, NEW HAMPSHIRE, VERMONT AND GEORGIA HEAD OFFICE 176 BROADWAY, NEW YORK CITY