Court Opinion

ID: 9945564
Source: CourtListenerOpinion
Date Created: 2024-02-27 21:11:11.515397+00
Date Added: 2024-06-11T14:25:32.248362
License: Public Domain

U.S. Bank N.A. v McBride
               2024 NY Slip Op 30544(U)
                   February 16, 2024
           Supreme Court, New York County
        Docket Number: Index No. 850219/2022
               Judge: Francis A. Kahn III
Cases posted with a "30000" identifier, i.e., 2013 NY Slip
 Op 30001(U), are republished from various New York
 State and local government sources, including the New
  York State Unified Court System's eCourts Service.
 This opinion is uncorrected and not selected for official
                       publication.
 [FILED: NEW YORK COUNTY CLERK 02/20/2024 04:59 P~                                                   INDEX NO. 850219/2022
  NYSCEF DOC. NO. 57                                                                          RECEIVED NYSCEF: 02/20/2024

                          SUPREME COURT OF THE STATE OF NEW YORK
                                    NEW YORK COUNTY
         PRESENT:        HON. FRANCIS A. KAHN, Ill                          PART                              32
                                                               Justice
        - - - - - - -------------------------------------------------X      INDEX NO.          850219/2022
          U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR
                                                                            MOTION DATE
          VELOCITY COMMERCIAL CAPITAL LOAN TRUST VCC
          2019-02,
                                                                            MOTION SEQ. NO.         001
                                            Plaintiff,

                                     - V-

          BRYANT MCBRIDE, TINA MCBRIDE, THE CHASE
          MANHATTAN BANK, AMERICAN HOME MORTGAGE,
          CITY OF NEW YORK, ACTING BY AND THROUGH ITS
          DEPARTMENT OF HOUSING PRESERVATION AND
                                                                              DECISION + ORDER ON
          DEVELOPMENT, NEW YORK CITY ENVIRONMENTAL
          CONTROL BOARD, JOHN DOE #1-#50 AND JANE DOE                                MOTION
          #1-#50, THE LAST TWO NAMES BEING FICTITIOUS, IT
          BEING INTENDED TO NAME ALL OTHER PARTIES WHO
          MAY HAVE SOME INTEREST IN OR LIEN UPON THE
          PREMISES DESCRIBED IN THE COMPLAINT

                                            Defendant.
            --------------------------------------------X

         The following e-filed documents, listed by NYSCEF document number (Motion 001) 19, 20, 21, 22, 23,
         24, 25,26,27,28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39,40,41,42,43, 44,45, 46,47,48,49, 50, 51,
         52, 53, 54, 55, 56
         were read on this motion to/for                                 JUDGMENT-SUMMARY
                Upon the foregoing documents, the motion and cross-motion are determined as follows:

               This is an action to foreclose on a consolidated, modified and extended spreader mortgage
        encumbering commercial real property located at 148 West 123 rd Street, New York, New York. The
        mortgage, dated March 29, 2019, was given by Defendants Bryant McBride and Tina McBride
        ("McBrides") to non-party Velocity Commercial Capital, LLC ("Velocity") to secure an indebtedness
        with an original principal amount of $1,250,000.00. The above mortgage consolidated two prior
        mortgages and the transaction is evidenced by a loan agreement of the same date as the mortgage.

                Plaintiff commenced this action to foreclose on the mortgage and pied McBrides defaulted in
        repayment under the loan agreement. Plaintiff also pied causes of action to "extinguish" three prior
        recorded mortgages. Two were allegedly given by McBrides to Defendants American Home Mortgage
        as well as City of New York, acting by and through its Department of Housing Preservation and
        Development ("City"). Plaintiff also sought discharge of a mortgage given by non-party/prior owner
        Brownstone Partners/AFF, LLC to Defendant The Chase Manhattan Bank. The McBride Defendants
        answered jointly and pied ten affirmative defenses and one counterclaim. Defendant City answered and
        pied four affirmative defenses. Now, Plaintiff moves for summary judgment against the appearing
        Defendants, to strike their answers and affirmative defenses, for a default judgment against the non-

         850219/2022 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR VELOCITY                    Page 1 of 5
         COMMERCIAL CAPITAL LOAN TRUST VCC 2019-02 vs. MCBRIDE, BRYANT ET AL
         Motion No. 001

[* 1]                                                       1 of 7
 [FILED: NEW YORK COUNTY CLERK 02/20/2024 04:59 P~                                                          INDEX NO. 850219/2022
  NYSCEF DOC. NO. 57                                                                                RECEIVED NYSCEF: 02/20/2024

        appearing Defendants, for an order of reference and to amend the caption. Defendant City opposes the
        motion and cross-moves to dismiss the complaint as against it pursuant CPLR §3211 [a] [ 1] and [7].               I''
        Plaintiff opposes the cross-motion.
                                                                                                                           ·.
                In moving for summary judgment on the foreclosure cause of action, Plaintiff was required to
        establish prima facie entitlement to judgment as a matter of law though proof of the mortgage, the note,
        and evidence of Defendants' default in repayment (see eg US. Bank, NA. vJames, 180 AD3d 594 [l51
        Dept 2020]; Bank of NYv Knowles, 151 AD3d 596 [1 st Dept 2017]; Fortress Credit Corp. v Hudson
        Yards, LLC, 78 AD3d 577 [1 st Dept 2010]). Based upon McBrides' affirmative defense, Plaintiff was
        also required to demonstrate it had standing when this action was commenced (see eg Wells Fargo
        Bank, NA. v Tricario, 180 AD3d 848 [2 nd Dept 2020]). Proof supporting a prima facie case on a motion
        for summary judgment must be in admissible form (see CPLR §3212[b]; Tri-State Loan Acquisitions Ill
        LLC v Litkowski, 172 AD3d 780 [1 st Dept 2019]). A plaintiff may rely on evidence from persons with
        personal knowledge of the facts, documents in admissible form and/or persons with knowledge derived
        from produced admissible records (see eg US Bank NA. v Moulton, 179 AD3d 734, 738 [2d Dept
        2020]). No particular set of business records must be proffered, as long as the admissibility
        requirements of CPLR 4518 [a] are fulfilled and the records evince the facts for which they are relied
        upon (see eg Citigroup v Kopelowitz, 147 AD3d 1014, 1015 [2d Dept 2017]).

                Plaintiffs motion was supported with an affidavit from Sandie Lawrence ("Lawerence"), a
        Department Manager Special Servicing of Velocity, the alleged special servicer for Plaintiff, as well as
        annexed documentation. Lawerence' s affidavit laid a proper foundation for the admission of Plaintiffs
        records into evidence under CPLR §4518 (see Bank of NY Mellon v Gordon, 171 AD3d 197 [2d Dept
        2019]). The affidavit established the mortgage, note, and evidence of mortgagor's default and was
        sufficiently supported by appropriate documentary evidence (see eg Bank of NY v Knowles, supra;
        Fortress Credit Corp. v Hudson Yards, LLC, supra).

                As to the non-appearing Defendants, "[a ]n applicant for a default judgment against a defendant
        must submit proof of service of the summons and complaint, proof of the facts constituting the claim,
        and proof of the defaulting defendant's failure to answer or appear" (Deutsche Bank Natl. Trust Co. v
        Silverman, 178 AD3d 898, 899 [2d Dept 2019]). A plaintiff need "only [to] allege enough facts to
        enable a court to determine that a viable cause of action exists" (Woodson v Mendon Leasing Corp., 100
        NY2d 62, 71 [2003 ]). Plaintiff established prima facie its entitlement to a default judgment on its
        foreclosure cause of action against the other Defendants based upon the above cited evidence as well as
        proof of service on each Defendant and proof of their failure to appear or answer (see CPLR §3215[f];
        SRMOF II 2012-I Trust v Tella, 139 AD3d 599,600 [l st Dept 2016]; US Bank Natl. Assn. v
        Wolnerman, 135 AD3d 850 [2d Dept 2016]; see also Deutsche Bank Natl. Trust Co. v Silverman, 178
        AD3d 898 [2d Dept 2019]).

                Concerning the causes of action to "extinguish" the prior recorded mortgages is a claim for
        declaratory relief governed by RP APL § 1921 [2] which concerns "canceling and discharging" mortgages
        ofrecord (see Guccione v Estate of Guccione, 84 AD3d 867 [2d Dept 2011]). Upon review of the                            1,

        mortgage held by City, the Court observed a recording anomaly whereby two sets ofreel and page
        numbers are imprinted on the document. To resolve this incongruity, the Court accessed the Automated
        City Register Information System ("A CRIS") maintained by the Office of the City Register 1• A review

        1
         This occurrence arose when the mortgage was first erroneously recorded in Kings County on January IO, 2001. On
        February 23, 2001, the encumbrance was correctly recorded in New York County.
            850219/2022 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR VELOCITY                        Page 2 of 5
            COMMERCIAL CAPITAL LOAN TRUST VCC 2019-02 vs. MCBRIDE, BRYANT ET AL
            Motion No. 001

[* 2]                                                           2 of 7
  [FILED: NEW YORK COUNTY CLERK 02/20/2024 04:59 P~                                                 INDEX NO. 850219/2022
  NYSCEF DOC. NO. 57                                                                        RECEIVED NYSCEF: 02/20/2024

        of the publicly available documents recorded against this property revealed that while these motions
        were subjudice, City issued a satisfaction of the disputed mortgage dated December 14, 2023 (CFRN
        No. 2023000332275). That document is attached to this decision as Schedule "A". Relatedly, shortly
        after this action was commenced, a satisfaction of mortgage was issued by successor to The Chase
        Manhattan Bank dated November 4, 2022 (CFRN No. 2022000416572; Schedule "A"). Based on the
        foregoing, Plaintiff's claims to discharge these mortgages, as well as City's cross-motion have been
        rendered academic. No satisfaction of the American Home Mortgage has been recorded.

                As to the mortgage held by American Home Mortgage, a claimant seeking declarator relief must
        establish, akin to any other cause of action, prima facie entitlement to the relief sought (see Public Serv.
        Mut. Ins. Co. v AYFAS Realty Corp., 234 AD2d 226, 228 [1 st Dept 1996]). However, unlike other
        claims, "[a] default judgment in a declaratory judgment action will not be granted on the default and
        pleadings alone for it is necessary against that plaintiff establish a right to a declaration against * * * a
        defendant" (Levy v Blue Cross & Blue Shield of Greater NY, 124 AD2d 900, 902 [3d Dept 1986],
        citing National Sur. Corp. v Peccichio, 48 Misc 2d 77, 78 [Sup Ct Albany Cty 1965]; see also Mount
        Vernon Fire Ins Co. v NIBA Constr. Inc, 195 AD2d 425,427 [Pt Dept 1993][concurring opinion];
        Merchs. Ins. Co. v Long Island Pet Cemetery, 206 AD2d 827 [4 th Dept 1994]). Plaintiff failed to
                                                                                                                      i\
        substantively address this issue in the moving papers, much less proffer any evidence demonstrating that
        the American Home Mortgage is subject to discharge.

              The branch of Plaintiff's motion to amend the caption is granted (see generally CPLR §3025; JP
        Morgan Chase Bank, NA. v Laszio, 169 AD3d 885,887 [2d Dept 2019]).

               Accordingly, it is

                ORDERED that the branches of Plaintiff's motion (MS# 1) for summary judgment on its cause
        of action for foreclosure and an order of reference are granted, and it is

               ORDERED that the branch of Plaintiff's motion for a default judgment against the non-
        appearing The Chase Manhattan Bank, summary judgment against City of New York, acting by and
        through its Department of Housing Preservation and Development, as well as City's cross-motion to
        dismiss are denied as academic, and it is

               ORDERED that the branch of Plaintiff's motion for a default judgment against the non-
        appearing New York City Environmental Control Board parties is granted, but denied as to American
        Home Mortgage, and it is

                ORDERED that Elaine Shay, Esq., 800 3 rd Avenue, Ste. 2800, New York, New York 10022
        (212) 520-2690 is hereby appointed Referee in accordance with RP APL § 1321 to compute the amount
        due to Plaintiff and to examine whether the property identified in the notice of pendency can be sold in
        parcels; and it is further

        . .       ORDERED that in the discretion of the Referee, a hearing may be held, and testimony taken; and
        1t 1s further

                 ORDERED that by ac~epting this appointment the Referee certifies that he is in compliance with
        ~~rt- 36 o~the ~ules of the Ch~ef Judge (22 NYCRR Part 36), including, but not limited to §36.2 (c)
        ( D1squahfications from appomtment"), and §36.2 (d) ("Limitations on appointments based upon
        850219/2022 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR VELOCITY
        CO~MERCIAL CAPITAL LOAN TRUST VCC 2019-02 vs. MCBRIDE BRYANT ET AL                     Page 3 of 5
        Motion No. 001                                        '

[* 3]                                                      3 of 7
 [FILED: NEW YORK COUNTY CLERK 02/20/2024 04:59                                    PM            INDEX NO. 850219/2022
  NYSCEF DOC. NO. 57                                                                     RECEIVED NYSCEF: 02/20/2024

        compensation"), and, if the Referee is disqualified from receiving an appointment pursuant to the
        provisions of that Rule, the Referee shall immediately notify the Appointing Judge; and it is further
                                                                                                                    \
                O,RDERED that, pursuant to CPLR 8003(a), and in the discretion of the court, a fee of $350 shall
        be paid to the Referee for the computation of the amount due and upon the filing of his report and the
        Referee shall not request or accept additional compensation for the computation unless it has been fixed
        by the court in accordance with CPLR 8003(b); and it is further

                 ORDERED that the Referee is prohibited from accepting or retaining any funds for himself or
        paying funds to himself without compliance with Part 36 of the Rules of the Chief Administrative Judge; '
        and it is further

               ORDERED that if the Referee holds a hearing, the Referee may seek additional compensation at
                                                                                                                    \
        the Referee's usual and customary hourly rate; and it is further

                ORDERED that Plaintiff shall forward all necessary documents to the Referee and to Defendants
        who have appeared in this case within 30 days of the date of this order and shall promptly respond to
        every inquiry made by the referee (promptly means within two business days); and it is further

               ORDERED that if Defendant(s) have objections, they must submit them to the referee within 14
        days of the mailing of plaintiffs submissions; and include these objections to the Court if opposing the
        motion for a judgment of foreclosure and sale; and it is further

                ORDERED that failure to submit objections to the referee may be deemed a waiver of objections
        before the Court on an application for a judgment of foreclosure and sale; and it is further

                ORDERED that Plaintiff must bring a motion for a judgment of foreclosure and sale
        within 45 days of receipt of the referee's report; and it is further

                ORDERED that if Plaintiff fails to meet these deadlines, then the Court may sua sponte vacate
        this order and direct Plaintiff to move again for an order of reference and the Court may sua sponte toll
        interest depending on whether the delays are due to Plaintiff's failure to move this litigation forward;
        and it further

                ORDERED that defendants John Doe # 1 through John Doe # 12 are hereby dismissed from this
        action; and it is further

                 ORDERED that the caption shall be amended to read as follows:

        SUPREME COURT OF THE STA TE OF NEW YORK
        COUNTY OF NEW YORK
        -----------------------------------------------------------------------X
        U.S. BANK NATIONAL ASSOCIATION, AS
        TRUSTEE FOR VELOCITY COMMERCIAL CAPITAL
        LOAN TRUST VCC 2019-02,
                                                   Plaintiff,
                              -against-

        BRYANT MCBRIDE, TINA MCBRIDE, THE CHASE

        850219/2022 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR VELOCITY
        CO~MERCIAL CAPITAL LOAN TRUST VCC 2019-02 vs. MCBRIDE BRYANT ET AL
                                                                                             Page4 of s
        Motion No. 001                                        '

[* 4]                                                                  4 of 7
 [FILED: NEW YORK COUNTY CLERK 02/20/2024 04:59 P~                                                                INDEX NO. 850219/2022
  NYSCEF DOC. NO. 57                                                                                   RECEIVED NYSCEF: 02/20/2024

        MANHATTAN BANK, AMERICAN HOME
        MORTGAGE, CITY OF NEW YORK, ACTING BY
        AND THROUGH ITS DEPARTMENT OF HOUSING
        PRESERVATION AND DEVELOPMENT and NEW
        YORK CITY ENVIRONMENTAL CONTROL BOARD,

                                                  Defendants.
        -------------------------------------------------------------------------X
                 and it is further

                ORDERED that counsel for Plaintiff shall serve a copy of this order with notice of entry upon
        the County Clerk (60 Centre Street, Room 141B) and the General Clerk's Office (60 Centre Street,
        Room 119), who are directed to mark the court's records to reflect the parties being removed pursuant
        hereto; and it is further

                ORDERED that such service upon the County Clerk and the Clerk of the General Clerk's Office
        shall be made in accordance with the procedures set forth in the Protocol on Courthouse and County
        Clerk Procedures for Electronically Filed Cases (accessible at the "E-Filing" page on the court's
        website at the address (www.nycourts.gov/supctmanh)]; and it is further

               ORDERED that Plaintiff shall serve a copy of this Order with notice of entry on all parties and
        persons entitled to notice, including the Referee appointed herein.

                All parties are to appear for a virtual conference via Microsoft Teams on June 14, 2024, at
        11 :00 a.m. If a motion for judgment of foreclosure and sale has been filed Plaintiff may contact the Part
        Clerk Tamika Wright (tswright@nycourt.gov) in writing to request that the conference be cancelled. If
        a motion has not been made, then a conference is required to explore the reasons for the delay.

                   2/16/2024
                      DATE
                                                                                            3::(,.-~~
                                                                                           FRANCIS A. KAHN, 111, A.J.S.C. .      I
                                                                                                                                  :1

         CHECK ONE:                            CASE DISPOSED                         NONH@NipfsRANCIS                A. KAHN~
                                               GRANTED              □ DENIED         GRANTED IN PART               □ OTHER J.S. .
         APPLICATION:                          SETTLE ORDER                          SUBMIT ORDER                                   II
         CHECK IF APPROPRIATE:                 INCLUDES TRANSFER/REASSIGN            FIDUCIARY APPOINTMENT         □ REFERENCE   ··"H
                                                                                                                                     I

         850219/2022 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR VELOCITY
         CO~MERCIAL CAPITAL LOAN TRUST VCC 2019-02 vs. MCBRIDE BRYANT ET AL                                  Page 5 of 5
         Motion No. 001                                        '

[* 5]                                                                  5 of 7
 [FILED: NEW YORK COUNTY CLERK 02/20/2024 04:59                                                          PM]         INDEX NO. 850219/2022
  NYSCEF DOC. NO. 57                                                                                           RECEIVED NYSCEF: 02/20/2024

                                         SATISFACTION OF MORTGAGE

                  THE CITY OF NEW YORK, a municipal corporation having its principal office at the
           City Hall, Borough of Manhattan:

                  DOES HEREBY CERTIFY, that a Mortgage dated November 16. 2000 made and
           executed by Bryant McBride and Tina McBride to THE CITY OF NEW YORK to secure the
           payment of the principal sum of $20,000.00 without interest, and duly recorded in the Office of
           the Register of the City of New York, County of New York on February 23, 2001 in Reel 3243,
           Page 912, and which mortgage has not been assigned of record;

                  IS FULLY PAID, and does hereby consent that the same be discharged of record.

                                                           THE CITY OF NEW YORK
                                                  By:      Department of Housing
                                                           Preservation 11.nd Development

           Date: December 14, 2023                By:
                                                           Lorraine Dowd- nella, Director
                                                           Homeowner Mortgage Servicing

           Approved as to fonn by standard type of class
           FOR USE UNTIL June 30, 2024:

            By:   Isl Amrita Barth
                  Acting Corporation Counsel

           CITY OF NEW YORK                       )
                                                  )SS.:
           COUN1Y OF NEW YORK

                   On the 14th day of December in the year 2023, before me, the undersigned, a Notary
           Public in and for said state, personally appeared Lorraine Dowd-Snella, personally known to me
           or proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is(are)
           subscribed to the within instrument and acknowledged to me that she/he/they executed the same
           in her/his/their capaciry(ies). and that by her/his/their signature(s) on the instrument, the
                                                                           t
           person(s), or the entity upon behalf of which the person(,~) ted, ?ecuted the instrument.

                                            .                          ,/;      .·   /;,
                                                                                                                                     j;

                                                           Notary Pubhc

                                                                            MICHML II. CHAU
                                                                      Nota,y PulJllc, Sta. o( New Vod[
                                                                           No. D1 CH6072272
                                                                       Oualified In a.-- Courcy    /_
                                                                     Commission EJ:pi- May 14, 3l2.¥'

                                 The altering of this document shall render it null and void

                                           0    Print«! 00 p.>p<r OOOWDlllg Jo% ....,_1110lmll.

[* 6]                                                                           6 of 7
  FILED: NEW YORK COUNTY                                                                                         4 04:59 PM                               INDEX NO. 850219/2022
  NYSCEF DOC. NO. 57                                                                                                                                R~CEIVED NYSCEF: 02/20/2024
        RECORDED AT1HEREQUFSTOF:
        JPMorgan Chase Bank, NA - CX>RE

        Reconl and Return To:
        Document Recording Services
        P.O. Box3008
        Tallahassee, R., 32315-3008

           m1~111111111111111111m11u
                REF243307469A

                                                         SATISFACTION OF MORTGAGE
        FOR VALUABLE CONSIDERATION RECEIVED, the receipt and sufficiency of wlrich is hereby acknowledged, the undersigned, JPMORGAN
        CHASE BANK, N.A., SUCC~R IN INTEREST TO THE CHASE MANHATTAN BANK, A NEW YORK CORPORATION, 10 S.
        DEARBORN Sf• OHCAGO, IL 60603 does hereby certify that a certain MOR1GAGE, by BROWNSTONE PARTNERS/AFF, L.L.C.
        (collectively the "Borrower/Granto(') is PAID and does hereby consent that the same be discharged of record which is further described below:

        Original Lender: TIIE CHASE MANHATIAN BANK, A NEW YORK CORPORATION
        Dated: 06/04/1999 Recorded: 11/24/1999 Book: 2998 Page: 308 Loan Amount: $520,575.00
        in New York County, New Yock
        Block: 1907 Lot: 54 Block: 1718 Lot: 143 Block: 1721 Lot: 40 Block: 1721 Lot: 42 Block: 1721 Lot: 43 Block: 1721 Lot: 59 Block: 1721 Lot: 61
        Block: 1902 Lot: 38 Block: 1902 Lot: 145 Block: 1904 Lot: 37 Block: 1904 Lot: 38 Block: 1906 Lot: 106 Block: 1720 Lot: 50 Block: 1720 Lot
        113 Block: 1722 Lot: 35 Block: 1722 Lot: 137 Block: 1903 Lot: 9 Block: 1905 Lot: 17 Block: 1905 Lot: 39 Block: 1905 Lot: 48 Block: 1907 Lot:
        36 Block: 1907 Lot: 53

        This mortgage bu not been further assigned
        The party executing this instrument is the present holder of the above described.
        IN WITNESS WHEREOF, this instrument was executed and delivered by the undersigned 11/04/2022.
        JPMORGAN CHASE BANK, N.A., SUCCESSOR 1N lNTERFSf TO
        THE CHASE MANHATTAN BANK, A NEW YORK CORPORATION

        By:   '7'}:fJ~6-~C-~
        Name:     chelle Mccauley
        Title: Authorized Officer

        STATEOFllllnols }
        COUNTY OF Cook s.s.
        On 11/04/2022, before me, the undersigned, personally appeared Michelle Mccauley, Authorized Officer, of JPMORGAN CHASE BANK,
        N.A., SUCCESSOR IN INTEREST TO THE CHASE MANHAlTANBANK, A NEW YORK CORPORATION, personally known to me or
        proved to me on the basis of satisfactory evidence to be the individual(s) whose name(s) is (are) subscribed to the within instrument and
        acknowledged lo me that he/she/they executed the same in his/her/their authorized capacily(ies), and that by his/her/their signature(s) on the
        instrument, the individual(s), or the person upon behalf of which the individual(s) acted, executed the instrument.
        Wimess my hand and official seal.

              £Jg A-::=s?
        Nolafy Public: Erika Leon                                        1
                                                                                       ERIKA LEON
                                                                                      Offlctal Seal
                                                                              Notary Public• State of llllnot,
        My Commission Expires: 06/22/2026                                1 My Comml5'ton Expires Jun 22, 2026
        Commission#: 874296

        REF243307469           58610033

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