YMCA of Greater Bergen County 2018 Summer Camp BEST SUMMER EVER

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YMCA of Greater Bergen County 2018 Summer Camp www.ymcagbc.org BEST SUMMER EVER

WELCOME The YMCA of Greater Bergen County camps are an exciting, safe community for young people to explore the outdoors, build self-esteem, develop interpersonal skills and make lasting friendships and memories. Each of our traditional, back-to-basics summer camps promotes the Y s core values of Caring, Respect, Responsibility and Honesty. Index Key Camp Features... 4 Day Camp Kahagon... 6 General Information... 8 Registration Form... 9 Day Camp Oratam... 12 TeenVentures Day Camp... 14 Camp Michikamau Sleep-Away Camp... 16 Counselor-in-Training (CIT) Program... 18 BELONGING We re here to make kids feel welcome. To help them quickly realize this is a place where they belong and can be themselves, try new things, make new friends, and be a part of something great. ACCOMPLISHMENT We re here to surround your kids with fantastic chances to try new experiences and show them all they can do when they believe in themselves. FRIENDSHIPS We re here to inspire kids to work together and play together, creating friendships that can last a lifetime. 2

MEET OUR DIRECTORS Mary Sullivan is the director of our day camps: Kahagon, Oratam, TeenVentures and the Counselorin-Training program. She is also the healthy lifestyles director at the YMCA. Before joining our Y, Mary directed day camps in Morris and Union Counties and estimates that in 10 years, she supervised 28,000 campers and 1,100 staff. In addition to her camp experience, Mary coached competitive gymnastics for 15 years. From 2009-2011, Mary served on the New Jersey American Camp Association Board as Professional Development Chair. Mary knows that when parents send their kids to camp they want to know their child is safe, having fun and receiving attention. YMCA programs stand out because staff members take the time to build solid relationships with the kids. Her favorite part of directing camp is helping kids build friendships, self-confidence and a love of the outdoors. Martin Richards is the director our sleepaway camps: Michikamau and the Counselor-in-Training Program. He is also director of the school-aged child care program at the Y. He developed a love of camping and the YMCA in 2005 when he traveled to the United States from his native Great Britain to work at Michikamau as a camp counselor. He returned to camp every summer, becoming waterfront director in 2009 and camp director in 2012. Before joining the Y, he was a high school physics teacher in Australia and New Zealand. As director of Camp Michikamau, Martin has taken great pleasure in hiring former campers as staff members. He is also proud of continuing the tradition of hiring a diverse staff from around the world. Camp has had a profound impact on Martin s life and he has made it his mission to see camp repeat that impact on campers and staff alike. Our Summer Camps Day Camp Kahagon Grades K-1, ages 5-6 Day Camp Oratam Grades 2-7, ages 7-12 TeenVentures Day Camp Grades 8-10, ages 13-15 Camp Michikamau (Sleep-Away Camp) Grades 3-10, ages 8-15 Counselor-in-Training (CIT) Ages 16-17 3

KEY CAMP FEATURES A Beautiful Site All of our camps, nestled in the beautiful and scenic woods of Harriman State Park along Lake Kanawauke, provide a beautiful natural setting with access to hiking trails and lakes. The camps are 45 minutes from Hackensack, campers are bused to camp from the YMCA. Each camp has its own waterfront with a fleet of canoes, kayaks, rowboats, and paddle boats that offers a wide variety of waterfront activities. Athletic facilities include a blacktop area, two sports fields, an archery range, rock climbing wall and challenge course. For indoor activities, each camp has a recreation hall and an arts and crafts cabin. Visit Us Presentations at the Y: Get an early look at camp at the YMCA on January 25, February 22, March 29, April 26 or May 24 at 7:00pm Meet camp staff, ask questions, watch a slide show, and take advantage of early camp registration. Healthy Kids Day: Join us at the Y, Saturday, April 21, 10:00am-1:00pm. A FREE event for families with children ages 5-12. Participate in the day s healthy, informative and fun programs. There will be special camp activities and information available. Open House at Camp: Visit camp before the season begins. Take a tour of the site, meet camp staff and get a taste of camp. Sunday, June 3, 1:00-4:00pm Leadership The Y Staff Our well-trained, dedicated staff return year after year to help campers develop skills in athletics, art and swimming, all while having fun, making new friends, and creating lifelong memories. Head counselors are college-age, and a registered nurse is in attendance each day. Summer staff are carefully chosen for their enthusiasm, talent and dedication - many of our counselors are former Oratam and Michikamau campers. Staff members receive CPR, AED, and first aid training, as well as instruction on policies and procedures specific to the camp programs prior to the start of camp. Staff develop their skills in creating an environment in which our campers feel cared for, accepted and encouraged. Advanced training is provided for staff in rock climbing, challenge course, overnight hikes, lifeguarding and 4 boating. All staff 18 and over are given background checks.

Swimming Kids love to swim and there is no better place to learn than at a Y camp. We use the YMCA Progressive Swim Program where campers are grouped by ability. An enclosed area with a consistent depth of four feet provides a great place for beginners to get started. All classes are taught by certified instructors who also guard during recreational swim. Teaching children to enjoy and respect the water is one of the camps most important goals. Before and After Camp Care Day campers may sign in at 8:00am and must be picked up by 5:00pm. If you need to drop off your child earlier or pick him or her up later, you may register for before and after camp care prior to the first day of camp. Before Camp Care: Drop off at 7:00am $40 per session After Camp Care: Pick up by 6:00pm $40 per session American Camp Association (ACA) Accreditation Our summer camps are accredited by the American Camp Association (ACA). What does this mean? It shows that we have undergone a thorough review of our operation to maintain accreditation. ACA camps must meet up to 300 standards for health, safety and program quality. These standards are recognized as standards of the camp community. Accreditation is voluntary; it reflects our commitment to maintaining industry standards. Camp Scholarships Here at the Y, we are committed to working with you in order to provide a camping experience for each child. We offer scholarships of up to 50 percent, based on financial need. For more information and to receive an application, please see the Upper Welcome Center or online at www.ymcagbc.org. We count on the generosity of our members and partners to keep our doors open to those who need a place to go to help them be more healthy, confident, connected and secure. Donations to our Annual Campaign may be made by sending your donation to the Y, attention: Annual Campaign, or by adding your contribution to your Camp Registration Form. 5

DAY CAMP KAHAGON Grades K-1 (Ages 5-6) Camp Kahagon is designed to specifically meet the needs of our youngest campers where they play constructively, learn cooperatively, and make friends. Our goal is to expand children s horizons by providing developmentally appropriate, creative and fun play experiences. Each day, campers have the opportunity for socialization through activities that foster sharing and cooperation. Camp groups have their own schedule with age-appropriate camp activities designed to meet the emotional and physical needs of our campers. College-age counselors lead the campers through an action-packed day in nature activities, sports & games, arts & crafts, and swim lessons. Our certified lifeguards, trained in water safety, provide the swim lessons in a protected area that is four-feet deep, end-to-end. Campers rotate through age-appropriate activities providing a different experience each day. Our program will help your child adjust to new environments and develop a greater sense of self. The low staff-to-counselor ratio of 1:6 offers personal interaction and assistance to each camper. Camp Kahagon provides a supervised, positive environment with opportunities for socialization through activities that foster sharing and cooperation. Day Camp Activities Arts & Crafts Playground Fishing Paddle Boats Hiking Team Challenges Nature Studies Sports & Games Swimming 6

Sessions 2-week sessions Monday-Friday 8:00am-5:00pm Session 1 June 25-July 6* Members: $480 Community Members: $580 Session 2 July 9-20 Session 3 July 23-August 3 Session 4 August 6-17 *Members: $535* Community Members: $635 Encore Week August 20-24 Members: $300 Community Members: $350 * No camp July 4 Kahagon Sample Schedule 8:30am 9:15am 10:00am 11:00am Noon 12:30pm 1:30pm 2:30pm 3:30pm 4:15pm Leave the Y Assembly/Flag Swim Lessons Free Swim Lunch Row Boats Arts and Crafts Soccer Assembly/Flag Bus back to the Y 7

GENERAL INFORMATION Deposit Requirements: A $125 nonrefundable deposit per session is required upon registration. This deposit is for the session(s) indicated and may not be transferred to another session or camp. The deposit will be applied toward the fees. Balance Due: The balance is due 2-weeks before the first day of each camp session. Refund Policy: Deposits are nonrefundable. Fees paid over and above the deposit are refundable ONLY if cancellation is made at least 30 days prior to the start of the camp session. Entire camp fees are non-refundable if a camper leaves due to homesickness. If a camper must withdraw from camp for medical reasons, a doctor s note is required and a refund will be given for the unused portion of camp. The Y reserves the right to dismiss a child from camp whose needs we are not able to meet or whose conduct is not in the best interest of the total camp, without refund. Medical Packet: All campers must have their completed packet, which includes a physical exam, submitted to the Y prior to the first day of the session. It is important for us to understand your child s medical and behavioral needs. No child will be allowed in camp without a completed medical packet. You can download the packet at www.ymcagbc.org or pick one up at the YMCA. Drop-Off and Pick-Up Policy: In order to ensure the safety of your child, all campers must be signed in and out each day. No child will be allowed on the bus without being signed in. Please list on the Pick-Up Form all adults who are approved to pick up your child. All adults should have a photo ID ready for the counselors who will be checking identification. Late Pick-Up Policy: Day campers picked up after 5:00pm (or after 6:00pm if enrolled in After Camp Care) and overnight campers picked up after 10:00am on Saturday will be charged a late fee. Late fee is $10 for the first 15 minutes, then $2 for every minute 8 thereafter. Day Camp: Campers may be signed in as early as 8:00am (or 7:00am if they are registered for the Before Camp Care). Buses leave at 8:30am sharp and return to the YMCA at 5:00pm. All campers who are not participating in the After Camp Care must be picked up by 5:00pm. Camp Michikamau: Check-in for the first day will begin at 9:00am All campers must be checked in by a parent or guardian. Parents may pick up their campers after Parents Night, which is held Friday night at the end of each session. Campers who do not return home that evening will arrive at the Y the next morning (Saturday) around 10:00am You may drop off your child at Camp Michikamau at 7:00pm the Sunday before the first day of each session. There is an additional $50 fee. Registration is accepted in person, by mail or fax. Complete the registration form and submit your deposit of $125 per camper/per session. (Remaining balance is due TWO WEEKS PRIOR to the first session.) Early registration is recommended to avoid missing out! Remember to allow additional time to have your child s physical exam form completed by his or her doctor as no child can attend camp without one! Early registration is recommended. In order to ensure the safety of all children and the appropriate staffing ratios, a completed registration form, along with payment, must be received at the Registration Office by Noon on Thursday for participation the following week. If the session is full, you will be placed on a waiting list. E-mail is our primary method of communicating camp information, schedules, and any possible last-minute changes throughout the summer. Please refer to our website for the overall Camp Information and Parent Handbook.

REGISTRATION FORM Camper Name: First Home Phone Date of Birth Gender: F M Last Age as of July 1, 2018 Grade as of 9/1/18 Home Address City Parent/Guardian (1) Full Name Zip Cell # (Required) Work # Primary E-Mail (Required) Address (if different than above) City Parent/Guardian (2) Full Name Zip Cell # (Required) Work # Primary E-Mail (Required) Health History List any current or past medical treatment that would affect your child s day at camp. List any activities from which your child should be restricted. Date of last tetanus shot: Month Child s medical insurance carrier Group Policy # Phone # Name of Dentist Year Name of Physician Phone Emergency Notification Info (Required) If the two primary guardians cannot be reached in case of emergency, please list two additional people who can be contacted and would be authorized to pick up your child. Photo ID required. 1. Name Cell # 2. Name Cell # Permission to Treat: Informed Consent By signing this agreement, I believe that my child is qualified physically, mentally and emotionally for camp and understand there is some risk involved in all physical activities. I agree to place my child in the care of the camp staff, subject to its program policies. I give permission for him/her to take part in all camp activities and field trips. I have read the parent/guardian and YMCA agreement on the registration form, all general information on page 8, including deposit requirements, and all refund policies. I am fully aware of all terms and principles contained herein. In the event the responsible parents/guardians cannot be reached, I give my permission to the medical personnel selected by the camp to transport, hospitalize, secure proper treatment for, and to order injections, x-rays, routine tests, anesthesia or surgery for my child and to release any records necessary for treatment, referral, billing and insurance purposes. Signature (Required) 9

CAMPER NAME: GENDER: DAY CAMPS Kahagon Grades K-1, ages 5-6 Oratam Grades 2-7, ages 7-12 TeenVentures Grades 8-10, ages 13-15 Counselor-In-Training (CIT) ages 16-17 1-Week Into 6/25-6/30 1-Week Into 7/2-7/7 Session 1 6/25-7/6 Session 2 7/9-7/20 Session 3 7/23-8/3 Session 4 8/6-8/17 Encore Week 8/20-8/24 M $480 $535 $535 $535 $300 CM $580 $635 $635 $635 $350 M $495 $550 $550 $550 $305 CM $595 $650 $650 $650 $355 M $575 $635 $635 $635 $305 CM $675 $735 $735 $735 $365 M $400 $400 CM $500 $500 TOTAL SLEEP-AWAY CAMP 1-Week Into 6/25-6/30 1-Week Into 7/2-7/7 Session 1 6/25-7/7 Session 2 7/9-7/21 Session 3 7/23-8/4 Session 4 8/6-8/18 Encore Week 8/20-8/24 TOTAL Camp Michikamau* Grades 3-10, ages 8-15 M $430 $430 $805 $805 $805 $805 CM $530 $530 $905 $905 $905 $905 Camp Michikamau Sunday Drop -Off $60 $60 $60 $60 Counselor-In-Training M $1,300 $1,300 (CIT) ages 16-17 CM $1,400 $1,400 BEFORE AND AFTER CARE OPTIONS AM Care Starts at 7:00am $36 $40 $40 $40 $20 PM Care Ends at 6:00pm $36 $40 $40 $40 $20 *Michikamau campers may be picked up Friday night or return to the Y by bus Saturday morning at the end of each session. Totals: M = Member; CM = Community Member - A community member is a child that is not currently a member of our YMCA.

PAYMENT SUMMARY Total Camp Tuition $ PAYMENT OPTION CHECK* CREDIT Deposit DUE AT REGISTRATION - $125 per session - $ YMCA Membership Fee: $58 Preschool/$84 Youth/$109 Program + (Campers must be a current YMCA member through 9/1/18) $ Camps Change Lives! (Donate to the Annual Campaign) + $ Camp Balance (Minus Deposit) $ *Make check payable to YMCA of Greater Bergen County. PARENT/GUARDIAN AND YMCA AGREEMENT Rules for Acceptance and Participation in Camp are the same for everyone without regard to race, color, national origin, sex, age or disability. It is understood that all campers will be treated as individuals and respect be shown for differences in tastes, preferences, abilities and range of behavior patterns. The Y reserves the right to dismiss a child from camp whose needs we are not able to meet or whose conduct is not in the best interest of the total camp without refund. A $125 deposit per session is required upon registration. The registration deposit is applied to the total camp bill and is non-refundable. Refund Policy: Deposit fees are non-refundable and nontransferable. It is understood that in the case of dismissal or voluntary withdrawal, fees are refundable only if cancellation is made at least 30 days prior to the start of the camp session. If it is deemed advisable to dismiss a camper for medical reasons, a refund will be given for the unused portion of camp. Discipline Policy: I will review and reinforce the camper conduct and other camp policies with my child prior to the start of camp. Discipline at the Y is handled with much care and thought. Redirection and positive reinforcement are used to help children understand proper behavior. Campers not following the conduct policy may be suspended or expelled from camp with no refund. Medical Packet: All campers must have their completed packet, which includes a physical exam, submitted to the Y prior to the first day of the session. It is important for us to understand your child s medical and behavioral needs. No child will be allowed in camp without a completed medical packet. You can download the packet at www.ymcagbc.org or pick one up at the YMCA. Drop-Off and Pick-Up Policy: In order to ensure the safety of your child, all campers must be signed in and out each day. No child will be allowed on the bus without being signed in. Please list on the Pick Up Form all adults who are approved to pick up your child. All adults should have a photo ID ready for the counselors who will be checking identification. Other Fees: A $50 surcharge for late payments after June 20 (if your child s spot is not opened up to the waiting list). All requested changes must be submitted in writing. $25 for returned checks. Photography Policy: Photos are taken throughout the summer of campers involved in every aspect of the camp program. Some of these photos will be put on the YMCA s website and/or used in marketing material. Please be aware by registering your child, you grant permission for your child s image to be used by the YMCA of Greater Bergen County. I have read all of the above information and am fully aware of all of the terms and principles contained herein. All questions have been answered to my satisfaction. I agree that certain activities at the Y have risks, which are inherent to the activity. No insurance has been included in membership or program fees. I further agree to indemnify and hold harmless the Y from any claims or demands arising out of any such injuries and losses. Parent/Guardian Signature (Required): Date: EASY PAYMENT PLAN/PAYMENT Authorization for Easy Payment Plan (credit card only): 5 equal credit card payments on the 25 th of each month, starting February 25, 2018 to June 25, 2018. I authorize you to charge my balance due to my credit card on June 25, 2018. Credit Card #: Exp. Date: Name on Card (Print): SIGNATURE:

DAY CAMP ORATAM Grades 2-7 (Ages 7-12) Camp Oratam offers a well-rounded experience allowing campers to discover and explore their interests, values and talents in a structured and nurturing environment. Through supportive encouragement offered by our counselors, campers have an opportunity to develop self-confidence, creating a sense of pride and accomplishment. Campers also have the opportunity to acquire, practice and perfect valuable skills including problem-solving, teamwork and making healthy and safe choices. Each funfilled day, campers are led in arts & crafts, sports & games, nature activities, boating and swimming. Campers swim twice daily, receiving a swim lesson each day by our certified instructors, along with time for free swim. Camp-wide special activities occur throughout the summer including color war, camp Olympics, and a talent show. Overnights occur once per session for campers ages 9-12; they enjoy a cook-out, participate in a night hike or carnival night, and sleep in cabins to receive a taste of the overnight experience. Campers days are filled with playing, socializing, exploring, and experimenting in the company of friends and counselors. Day Camp Activities Archery Hiking Arts & Crafts Nature Studies Canoeing Paddle Boats Fishing Team Challenges Gaga Sports & Games Swimming 12

Sessions 2-week sessions Monday-Friday 8:00am-5:00pm Session 1 June 25-July 6* Members: $495 Community Members: $595 Session 2 July 9 20 Session 3 July 23 August 3 Session 4 August 6 17 Members: $550 Community Members: $650 Encore Week August 20-24 Members: $305 Community Members: $355 * No camp July 4 Oratam Sample Schedule 8:30am Leave the Y 9:15am Assembly/Flag 10:00am Archery 10:50am Free Swim 11:40am Arts & Crafts 12:30pm Lunch 1:00pm Swim Lessons 1:50pm Games on Field 3:30pm Assembly/Flag 4:15pm Head back to the Y 13

DAY CAMP TEENVENTURES Grades 8-10 (Ages 13-15) This leadership program combines all the fun of camp while cultivating personal growth, leadership skills and fostering teamwork. In addition to the traditional camp activities of swimming, boating, and sports & games, TeenVentures campers participate in rock climbing, all-day hiking adventures, kayaking, and the low ropes course. Once per session, teens can choose to participate in a camp overnight. Throughout the camp session, teens will be inspired to develop their social, teamwork and leadership skills through active participation in camp activities. Counselors will provide positive encouragement and offer challenging, fun and character-building experiences. 14

Day Camp Activities Archery Hiking Arts & Crafts Nature Studies Canoeing Paddle Boats Fishing Team Challenges Gaga Sports & Games Swimming Rock Climbing Challenge Course Boat Hikes Leadership Roles in Color War Sessions 2-week sessions Monday-Friday 8:00am-5:00pm Lunch is provided for Sessions 1-4 Session 1 June 25-July 6* Members: $575 Community Members: $675 Session 2 July 9 20 Session 3 July 23 August 3 Session 4 August 6 17 Members: $635 Community Members: $735 Encore Week August 20-24 Members: $315 Community Members: $365 * No camp July 4 15

SLEEP-AWAY CAMP Grades 3-10 (Ages 8-15) For more than 80 years, Camp Michikamau has offered a high-quality traditional overnight camp for youth and teens. The camp program provides a balance of structured and choice activities. During their first week, campers experience every program area at least once as well as the daily swim lessons. During the second week, campers are given the freedom to choose their activities such as rock climbing, kayaking, nature programs, dance and much more. Each camper receives daily swim lessons taught by qualified instructors. After dinner, campers enjoy an activity such as game night, a dance, scavenger hunt, a gold rush, talent show or campfire. Weekends offer variety in programming. Each weekend has a different theme and the entire camp is involved in activities such as international weekend, survivor weekend and color war. Sunday mornings are a reflective time for campers where the YMCA s core values are discussed. Some of the most memorable moments happen on the out-of-camp overnight experience. During each session, campers will plan their meal, pack their gear, hike to their destination, build a fire, and cook and sleep under the stars. Camp Michikamau prides itself on hiring well-trained, dedicated staff who return year after year and come from across America and around the world. The majority of our American counselors have all attended our camps themselves, which helps them relate to our firsttime campers. The diversity of our staff enhances the experience for the campers. Each cabin has two counselors who provide a nurturing and safe environment as 16 campers develop skills in athletics, challenge course, art and swimming, all while having fun, making new friends, and creating lifelong memories.

CAMP MICHIKAMAU Sessions 2-week sessions Session 1 June 25-July 7 Session 2 July 9-21 Session 3 July 23-August 4 Session 4 August 6-18 Members: $805 Community Members: $905 1-Week Intro to Sleep-Away Camp June 26-July 1 or July 3-8 This is a great opportunity for first-time campers to try sleep-away camp. They will enjoy all of the great camp activities throughout the week. Give it a try! Members: $430 Community Members: $530 Sample Schedule 7:45am Flag/Line Up 8:00am Breakfast 9:00am Camp & Cabin Chores 10:00am Activity 1 11:00am Activity 2 Noon Line Up 12:15pm Lunch 1:00pm Cabin Time 2:20pm Leisure Time 3:30pm Activity 3 4:40pm Activity 4 6:00pm Flag/Line Up 6:15pm Dinner 7:30pm Evening Activity 9:00pm Tell Me Why & Taps Michikamau Activities Archery Arts and Crafts Basketball Canoeing Dance Drama Fishing Floor Hockey Gaga Hiking Kayaking Kickball Low Ropes Course Nature Studies New Games Rock Climbing Row/Paddle Boats Team Challenges Soccer Swimming Tug-O-War Outdoor Survival Overnight Camping Ultimate Frisbee Volleyball Yard Games Yoga Sunday Night Drop-Off Drop-off at camp at 7:00pm on the night before the first day of your child s camp session. Limited space available. $60 17

COUNSELOR-IN-TRAINING Ages 16-17 This intensive four-week program is designed to develop future camp leaders. Selected applicants have the opportunity to develop leadership, program and outdoor living skills. The focus is on small group dynamics, communication skills, teamwork and core values. Our Counselor-in-Training program offers opportunities for hands-on experience working with children in our general camp groups. CITs work closely with head counselors to develop skills in leadership, organization, teaching and problem-solving. Participants will take on expanded responsibilities and contribute their talents as they develop their leadership skills while working with camp groups. This program lays the foundation for becoming a counselor. Please note: Completion of this program does not automatically ensure a staff position. If you enjoy the outdoors and like to work with children, this is the camp for you! When you leave, you will take home with you new skills, lasting friendships and a lifetime of memories. This is a great stepping stone toward future endeavors. This program is aimed at campers who are looking for a leadership training program and are 16-17 years old, as required by the state. 18

Counselor-in-Training Program at Day Camp Oratam This CIT program offers opportunities for hands-on experience working with children. CITs learn important life skills and contribute their talents as they develop leadership skills during this 4-week program. Sessions 4-week sessions Monday-Friday 8:00am-5:00pm Session 1 June 25-July 20* Members: $400 Community Members: $500 Session 2 July 23 August 3 Members: $400 Community Members: $500 * No camp July 4 Counselor-in-Training Program at Camp Michikamau CITs aid Michikamau s counselors with instruction of activities, working in the kitchen and running the camp store. They will also receive CPR and First Aid Training. Each session, CITs will be involved in a service project on-site or within the park. Finally, CITs will travel to an off-site location for a two-day overnight camping adventure. Sessions 4-week sessions Monday-Friday 8:00am-5:00pm Session 1 June 25-July 21 Session 2 July 23 August 18 Members: $1,300 Community Members: $1,400 Campers return home for a weekend midsession; please see parent pack for dates. 19

YMCA OF GREATER BERGEN COUNTY 360 Main Street Hackensack, NJ 07601 (P) 201 487 6600 (F) 201 487 4539 www.ymcagbc.org info@ymcagbc.org Nonprofit Org. U.S. Postage PAID Hackensack, N.J. Permit No. 2485