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Description Citizens employs a group of experienced advisors that help individuals and families attain their financial goals. Our Wealth Advisors conduct thorough discoveries to understand a client’s short- and long-term goals, then construct a tailored financial plan that meets the client’s goals. The Citizens Wealth Advisor is a branch-based advisor who excels in a collaborative environment that emphasizes the paramount importance of client interests, as well as the personal and professional growth of team members. PCFAs work directly with a variety of business partners and centers of influence to uncover and identify prospective opportunities. Primary responsibilities include • Develop a high-quality wealth management practice that provides a personalized wealth management strategy., • Enhance and preserve relationships with key partners to boost client introductions and engagement., • Proactive client and prospect outreach promoting Citizens Wealth Management capabilities., • Grow existing relationships through partnership referrals., • Tailor wealth management planning to meet client needs., • Series 7, 63, 65 (or 66) active and valid., • A valid, active Insurance Life/Health/Variable licenses is required or must be obtained within 60 days of starting the role as a condition of employment., • A minimum of 2 years in a Financial Advisor role or equivalent experience in financial services., • Demonstrated track record in new business development and client book management., • Proven experience in a team-oriented consumer bank setting., • Familiarity with servicing high-net-worth individuals., • Comfortable operating in a dynamic, entrepreneurial environment. Commissioned based. Individuals in this role have historically earned between $105,000 - $250,000 per year, based on performance and productivity against commission plan parameters. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit . • Hours per Week: 40, • Work Schedule: Varies #LI-CITIZENS6 \n Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. This sales role is commission-based. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. \n Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Why Work for UsAt Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

Job Description Join Us Today: If you are seeking a rewarding career with industry-leading benefits, professional growth opportunities, and a culture that values its people, we invite you to apply today. At FDE, we are committed to supporting our Team Members in becoming their best selves. This commitment is reflected in our competitive compensation, benefits, and development programs, as well as our vision of being the employer of choice in every community we serve. Join a team honored by Furniture Today as one of the Best Places to Work in Furniture for 2025. About Us Factory Direct Enterprises LLC is a leading licensee of Ashley, the number one selling furniture brand in the world and the top retailer of furniture and bedding in the United States. Compensation and Benefits We offer one of the most competitive compensation packages in the furniture industry: • Commission-based salary ranging from $40,000 to $90,000 per year, based on performance, • Annual bonus structure tied to individual performance and company success, • Weekly commission and bonus opportunities on written sales, • Presidents and Premier Programs that offer additional weekly bonus incentives, • Paid, comprehensive two-week training through the Ashley Sales Academy, • 401(k) retirement plan with company match, • Paid time off, holiday pay, and your birthday off, • Medical, dental, and vision insurance starting as low as $25 per week, • Employee discounts on furniture and accessories, • Referral bonuses up to $1,000 for recommending successful candidates Our Culture and Team Member Programs: FDE maintains a culture of recognition, service, and growth. We actively invest in the well-being of our team and welcome employee feedback through programs like Peakon Surveys. Our Ashley Cares initiatives support our employees and communities, including: • Hope to Dream: A portion of mattress sales funds beds for children in need, • Give a Day: Paid volunteer day annually with an approved non-profit organization, • Corporate Chaplains: Confidential support for personal challenges such as grief, family needs, and stress, • Life Resources: Quarterly educational events focusing on financial literacy, health, and wellness, • Team Member Relief Fund: Financial assistance during unexpected life events, • SmartDollar: A free financial wellness platform to help manage budgets and plan for the future Position Overview: Home Furnishings Advisor The Home Furnishings Advisor is responsible for delivering a unique and personalized guest experience. You will act as a representative of our brand, guiding customers through their home furnishing journey. As a subject matter expert, you will leverage your product knowledge and customer service skills to drive sales and ensure customer satisfaction. Key Responsibilities: Sales and Customer Experience • Sell a wide range of Ashley home furnishings, accessories, and warranties using the Ashley Sales Approach, • Welcome and engage with every guest professionally and attentively, • Deliver compelling product presentations and offer complete solutions including protection plans and financing, • Build and maintain customer relationships through proactive communication during and after the sales process Post-Sales Administration • Accurately complete post-sale documentation and ensure order details meet customer expectations, • Provide all necessary paperwork to the Customer Service Department, • Enter accurate customer information into the UPs system, including contact details for future follow-up, • Record advertising efforts and maintain a lead database using customer information forms Showroom Presentation • Support store appearance through regular floor recovery and adherence to safety and cleanliness standards, • Ensure every customer has a professional and welcoming in-store experience Professional Development • Use company-provided tools and training to enhance sales performance, • Stay informed about product updates and company initiatives, • Participate in sales meetings, training sessions, and one-on-one coaching Performance Expectations: You will be evaluated on a variety of key performance indicators including: • Total sales volume and sales per guest, • Bedding sales, close rate, protection plan sales, and average transaction value, • Number of credit applications submitted, • Net gross margin and guest satisfaction (Net Promoter Score), • Total Piece Exception Rate and related inventory accuracy metrics Additional Duties: • Assist with cashiering or merchandise tasks as needed, • Participate in inventory and other operational processes, • Travel to other store locations for training or meetings as required Schedule Requirements: • Must be available to work at least 40 hours per week, including weekends, • Additional hours may be required during holiday or peak seasons, • Regular attendance at the assigned store is required, • Two days off per week are scheduled except during holiday periods Qualifications: • Highly motivated with a positive attitude and strong interpersonal skills, • Previous sales experience is helpful but not required, • Comfortable in a performance-driven, customer-focused retail environment, • Strong attention to detail and commitment to delivering exceptional service Job Type: Full-time Benefits: Health insurance, dental insurance, vision insurance, life insurance, paid time off, 401(k) with employer match, employee discount

Job Description Polar Plumbing, Heating & Air Conditioning is currently hiring for a full-time Plumber to service, maintain, and install various residential plumbing systems in the Newburgh, NY area. This position typically works Monday - Friday 7 am - 4 pm with plenty of opportunity for overtime. Some weekend work is required. We pay our Plumbers a competitive wage of $20 - $35 per hour, depending on experience, plus commissions. In addition to competitive pay and our supportive culture, we offer our residential plumbing team the following benefits: • Medical, dental, and vision insurance, • 401(k), • Paid time off (PTO), • Reimbursements, • Great training, • Notary help, • Commissions, • Bonuses, • Access to a financial advisor, • Amazing team, • Uniforms ABOUT POLAR PLUMBING, HEATING & AIR CONDITIONING We are an award-winning, BBB-accredited company that provides first-class plumbing, heating, and air conditioning services. We offer completely transparent pricing for all our services, so our customers can be sure they're getting the absolute best value for their homes. Plumbing, heating, and cooling are some of the most important aspects of keeping a home comfortable, and we know that timing makes all the difference. That's why we are quick to respond to our customers' needs and why we offer free estimates. As a result, our customers value our honesty and trust that their homes are in the best hands. Our employees are our most valuable asset in maintaining our customers' trust. Through regular development programs, we ensure that all our employees have the training they need to succeed. We also promote an authentic team mentality and strive to make our employees feel at home in our great company culture, an environment that is more like family than work. OUR IDEAL PLUMBER • Creative problem solver - provides practical solutions when issues arise, • Punctual - manages time well and effectively prioritizes multiple tasks, • Professional - presents yourself in a professional and confident manner with a great work ethic, • Personable - maintains a friendly and engaging demeanor when delivering service to customers REQUIREMENTS FOR A PLUMBER • Valid New York driver's license Location: 12550

Job Description Who We Are: Healey Brothers, Hudson Valley's largest automotive brand, with over 45 years of service. That means that your growth potential is virtually limitless. Our employees have transitioned from salespeople to general managers, and from technicians to service managers. Our employees are our biggest asset, and that belief is reflected in how we treat our employees. Who We're Looking For: Healey Brothers Inc., Hudson Valley's Largest Automotive Brand, is looking for Technicians to join our growing team. We are looking for an experienced, positive, and energetic candidate who will join our team in our location at Healey Ford Lincoln in Goshen NY. Don’t miss out on an opportunity to grow with us! Details About This Position: This position is a Full Time and Hourly position. It sits on site at our Healey Ford Lincoln location in Goshen, NY. The schedule for this position is generally a daytime 8-hour shift. Travel may be involved. Compensation starting at $17.00 per hour. Why You Should Work with Healey Brothers: At Healey Brothers we are a fun and fast paced work environment that truly believes from promoting from within- at Healey Brothers, your possibilities are endless. We offer many positions that allow an employee to grow as much as they choose. From Sales, Service, Technicians, Administrative, Managerial, front of the house or back of the house, you will learn so much from all our employees, most of whom have worked with Healey for well over a decade or more! At Healey Brothers we offer the following benefits: • Medical, Dental, and Vision Insurance, • 401K with company Match, • Paid Vacation, Sick, and Holidays, • Life Insurance, • FSA and DCA Accounts, • No Cost Disability and Short-Term Disability, • Weekly Pay, • Discounted Vehicle, Service, and Parts Purchases, • Will possess a minimum of 1 year experience and training as an automotive technician, • A clear and insurable Driver’s License, • Is self-motivated and is not afraid to bring new ideas to the table, • Can operate with minimum supervision and stays on schedule, • Is familiar with a dealership atmosphere or is a quick learner, • Is reliable, punctual, detail orientated, and takes pride in their work, • General and competent language, interpretation, mathematical, and reasoning abilities, • Diagnosis and repair of vehicles, • Accurately perform all repairs and maintenance, • Communicate clearly and professionally with group leader and advisor, • Follow safety procedures when working with tools and equipment, • Travel may be involved utilizing company vehicles, • Must be comfortable on one’s feet, the position requires a considerable amount of standing. Utilizing cutting-edge automotive technology and training to give our customers a seamless, stress-free experience to earn their business for life. Our Core Values: Team Over Self, Accountability, Self-Improvement, Integrity, Respect Healey Brothers EEO Statement: Healey Brothers is an Equal Employment Opportunity employer. We comply with all applicable laws regarding equal employment opportunities for all qualified applicants and employees. It is against our policy to discriminate against any qualified applicant or employee on the basis of actual or perceived race, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, age, ancestry, ethnicity, disability, pregnancy, citizenship, marital status, familial status, military or veteran status, genetic information, predisposing genetic characteristic, status as a victim of domestic violence, stalking and sex offenses, or any other status protected by applicable federal, state or local law.

Job Description We are Healey Brothers Inc. Hudson Valley's largest automotive group serving the area for over 45 years. As an award-winning automotive group, we're always looking for the best talent! We're currently hiring for Automotive Technicians at Healey Ford Lincoln. Ideal candidates have ASE certifications, at least 3 years of dealership experience, automotive repair experience, and certifications related to the brands we service (preferred not required). If this sounds like you, feel free to apply and we will set up interviews based on your preferences (location and brand) and availability. Details About This Position: This position is a Full Time and Hourly position. The schedule for this position is generally a daytime 8-hour shift. Travel may be involved. Compensation will reflect the ideal candidate's experience. Why You Should Work with Healey Brothers: At Healey Brothers we are a fun and fast paced work environment that truly puts our technicians first! We offer the following (but not limited to): • Medical, Dental, and Vision Insurance, • 401K with Company Match, • Paid Vacation, Sick, and Holidays, • Life Insurance, • FSA and DCA Accounts, • No Cost Disability and Short-Term Disability, • Weekly Pay, • Discounted Vehicle, Service, and Parts Purchases, • Will possess a minimum of 3 year's experience and training as an automotive technician, • A clear and insurable Driver’s License, • Is self-motivated and is not afraid to bring new ideas to the table, • Can operate with minimum supervision and stays on schedule, • Is familiar with a dealership atmosphere or is a quick learner, • Is reliable, punctual, detail orientated, and takes pride in their work, • ASE Certifications preferred, • General and competent language, interpretation, mathematical, and reasoning abilities, • Diagnosis and repair of vehicles, • Accurately perform all repairs and maintenance, • Ford Starts Training Certifications, • Communicate clearly and professionally with group leader and advisor, • Follow safety procedures when working with tools and equipment, • Travel may be involved utilizing company vehicles, • Must be comfortable on one’s feet, the position requires a considerable amount of standing. Utilizing cutting-edge automotive technology and training to give our customers a seamless, stress-free experience to earn their business for life. Our Core Values: Team Over Self, Accountability, Self-Improvement, Integrity, Respect Healey Brothers EEO Statement: Healey Brothers is an Equal Employment Opportunity employer. We comply with all applicable laws regarding equal employment opportunities for all qualified applicants and employees. It is against our policy to discriminate against any qualified applicant or employee on the basis of actual or perceived race, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, age, ancestry, ethnicity, disability, pregnancy, citizenship, marital status, familial status, military or veteran status, genetic information, predisposing genetic characteristic, status as a victim of domestic violence, stalking and sex offenses, or any other status protected by applicable federal, state or local law.

Job DescriptionSalary: 17+ Depending on technician level Middletown Honda is looking to add an Automotive Service Technician to our team! The Automotive Service Technician is responsible for swiftly and accurately performing automotive repairs and service in accordance with store and factory standards while ensuring customer satisfaction. Helping satisfied customers drive away with a smile on their face is what we do. Responsibilities • Perform work as outlined on repair order with efficiency and accuracy, in accordance with the dealership and manufacturer standards, • Complete all work according to the applicable safety requirement, • Road-test vehicles to ensure quality of repair work, • Document work performed on repair order, record test procedures/results & time, per company recording & clocking procedures, • Diagnosing, maintaining and repairing vehicle automotive systems including engine, transmission, electrical steering, suspension, brakes, air conditioning, etc., • Communicating directly with the Service Advisor so that customers can be informed of any additional services that may be needed, • Provide an estimate of time need for addition repairs, • Executing repairs under warranty to manufacturer specifications Qualifications • 2 years of prior automotive repair experience preferred, • A team player who is focused on providing exemplary customer service, • Acceptable driving record and a valid driver's license in your state of residence, • Ability to read and comprehend written instructions and information, • Knowledge in all aspects of automotive repair and maintenance, • Excellent oral and written communication skills, • Excellent Customer Service Skills, • Ability to learn new technology and repair and service procedures and specifications What We Offer • Medical and Dental, • 401K Plan, • Paid time off and vacation, • Aggressive Pay Plan, • Bonus Opportunities Middletown Honda is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This job description in no way states or implies that these are the only duties to be performed by an employee. Additional functions and requirements may be assigned by supervisors as deemed appropriate, based on the employees knowledge, skill and ability as well as his/her mental and physical abilities.

Job Description Love cars, crave good vibes, and want a workplace that actually lives up to its name? Friendly Acura is on the hunt for a Service Technician who brings skill, spark, and a cando attitude. If you’re the type who gets energized by a buzzing shop, enjoys tinkering with everything from shiny new Acuras to wellloved preowned rides, and appreciates the luxury of an airconditioned workspace, you might’ve just found your happy place. Join a team of true automotive enthusiasts at Friendly Acura — part of the Friendly Auto Group — where longterm careers, upbeat energy, and genuine camaraderie come standard. WHAT WE OFFER * A clean, modern, airconditioned shop designed for comfort, efficiency, and toptier performance * A supportive, highenergy team of true automotive enthusiasts who enjoy working — and winning — together * Full medical insurance to support your health and peace of mind * A 401(k) plan to help you build longterm financial security * Annual production bonus opportunities that reward your hard work and skill * Toolbox relocation assistance to make your transition smooth and stressfree * Signon bonus available based on qualifications * Competitive pay with room to grow as your certifications and expertise advance * Factory training and ongoing development to keep your skills sharp and your career moving forward * A steady flow of work backed by a loyal customer base and a thriving service department * Stateoftheart tools and diagnostic equipment that make your job easier and more enjoyable * A workplace culture where your talent is recognized, your ideas matter, and your career can truly thrive RESPONSIBILITIES * Tackle repair orders with skill, speed, and the kind of confidence that makes the rest of the shop nod in approval * Put your diagnostic superpowers to work using scanners, specialty tools, and the occasional test drive (the fun kind) * Keep vehicles happy by diagnosing, maintaining, and repairing systems from bumper to bumper * Team up with our Service Advisor to keep customers in the loop and feeling taken care of * Complete digital multipoint inspections like a pro — clear, thorough, and easy for customers to understand * Handle warranty repairs with precision and manufacturerapproved finesse * Bring a positive, highenergy vibe that lifts the whole shop REQUIREMENTS * Solid knowhow in automotive repair, maintenance, and diagnostics — you speak “car” fluently * Strong communication skills, whether you’re typing notes or talking with teammates * A customerfirst mindset and the ability to make people feel confident in your work * A teamplayer attitude — no lone wolves here * Comfort using computers, tablets, and modern diagnostic tech * Ability to operate electronic diagnostic equipment without breaking a sweat * A valid driver’s license and a clean record * A high school diploma (or equivalent)

Job Description Polar Plumbing, Heating & Air Conditioning is currently hiring for a full-time Administrative Assistant/Customer Service Rep to assist with our administrative tasks and provide great customer service in the Newburgh, NY area. This Administrative Assistant position earns a competitive wage of $18 - $22/hour, depending on qualifications and experience. In addition to competitive pay and our supportive culture, we offer this customer service role the following benefits: • Medical, Dental, Vision, • A 401(k), • Paid time off (PTO), • Reimbursements, • Great training, • Notary help, • Commissions, • Bonuses So, now that you've learned the who, what, where, and why, you may be wondering HOW? It's easy! Just fill out our initial mobile-friendly online application. We hope to meet you soon! DAY-TO-DAY In this customer service role, you make sure that all of our administrative operations flow smoothly. As an employee-focused company, we want our clients to have the best HVAC experience with us, so you provide office help for them. You warmly greet and communicate with customers, both in the shop and on the phone. You're always kind and quick to answer questions and find solutions to their concerns. As needed, you also interact with vendors and build great relationships with them. You help with permits, accounting, and rebates. You get a great sense of accomplishment using your customer service and administrative skills to help others! ABOUT POLAR PLUMBING, HEATING & AIR CONDITIONING We are an award-winning, BBB-accredited company that provides first-class plumbing, heating, and air conditioning services. We offer completely transparent pricing for all our services, so our customers can be sure they're getting the absolute best value for their homes. Plumbing, heating, and cooling are some of the most important aspects of keeping a home comfortable, and we know that timing makes all the difference. That's why we are quick to respond to our customers' needs and why we offer free estimates. As a result, our customers value our honesty and trust that their homes are in the best hands. Our employees are our most valuable asset in maintaining our customers' trust. Through regular development programs, we ensure that all our employees have the training they need to succeed. We also promote an authentic team mentality and strive to make our employees feel at home in our great company culture, an environment that is more like family than work. OUR IDEAL ADMINISTRATIVE ASSISTANT / CUSTOMER SERVICE REP • Customer service driven - Outgoing and eager to help customers regardless of challenges, • Respectful -Treats others with kindness and dignity, • Team player - Can work well with others in a group setting, • Reliable - Shows up to work on time and prepared REQUIREMENTS FOR ADMINISTRATIVE ASSISTANT / CUSTOMER SERVICE REP Location: 12550

Job Description Who We Are: Healey Brothers, Hudson Valley's largest automotive brand, with over 45 years of service. That means that your growth potential is virtually limitless. Our employees have transitioned from salespeople to general managers, and from technicians to service managers. Our employees are our biggest asset, and that belief is reflected in how we treat our employees. What We're Looking For: Healey Brothers, Hudson Valley's Largest Automotive Brand, is looking for a Medium Duty Diesel Mechanic/Technician to join our growing team. We are looking for an experienced, positive, and energetic candidate who will join our Service Department in Ford in Goshen as a technician. Don’t miss out on an opportunity to grow with us! Details About This Position: This position is a Full Time and Hourly position. It sits on site at our Healey Brothers Ford Lincoln Dealership in Goshen, NY. The schedule for this position is generally a daytime 8-hour shift. Travel may be involved. Compensation will reflect the ideal candidate's experience. Why You Should Work with Healey Brothers: At Healey Brothers we are a fun and fast paced work environment that truly believes from promoting from within- at Healey Brothers, your possibilities are endless. We offer many positions that allow an employee to grow as much as they choose. From Sales, Service, Technicians, Administrative, Managerial, front of the house or back of the house, you will learn so much from all our employees, most of whom have worked with Healey for well over a decade or more! At Healey Brothers we offer the following benefits: • Medical, Dental, and Vision Insurance, • 401K Match, • Paid Vacation, Sick, and Holidays, • Life Insurance, • FSA and DCA Accounts, • No Cost Disability and Short-Term Disability, • Weekly Pay, • Discounted Vehicle, Service, and Parts Purchases, • Ford Pro Elite Dealer with Multiple Mobile Vans, • Competitive & industry leading pay scale with tiered spiffs, • Starting with 2 weeks paid Vacation and a 3rd week with tenure, • Technician yearly bonus pay program, • Paid training / Top Tech Program to Earn additional monies, • Modern, state of the art technology & software – iPads, alignment quick check machines, • Proven career path, promotional opportunities, • Free uniforms/complimentary laundry service, • Consistent shifts / Rotating Saturday Schedule, • Service / Parts discounts and Vehicle Purchase Discounts, • Employee engagement events, • Volunteer and community service opportunities, • Will possess a minimum of 1 year experience and training as an automotive technician with a focus on Ford commercial vehicles and/or heavy duty truck experience, • A clear and insurable Driver’s License, • ASE Certifications preferred, • Is self-motivated and is not afraid to bring new ideas to the table, • Can operate with minimum supervision and stays on schedule, • Is familiar with a dealership atmosphere or is a quick learner, • Is reliable, punctual, detail orientated, and takes pride in their work, • General and competent language, interpretation, mathematical, and reasoning abilities, • Diagnosis and repair of vehicles, • Accurately perform all repairs and maintenance, • Ford Starts Training Certifications, • Communicate clearly and professionally with group leader and advisor, • Follow safety procedures when working with tools and equipment, • Travel may be involved utilizing company vehicles, • Must be comfortable on one’s feet, the position requires a considerable amount of standing., • Create a fun atmosphere for your department Healey Brothers Mission Statement: Utilizing cutting-edge automotive technology and training to give our customers a seamless, stress-free experience to earn their business for life. Our Core Values: Team Over Self, Accountability, Self-Improvement, Integrity and Respect Healey Brothers EEO Statement: Healey Brothers is an Equal Employment Opportunity employer. We comply with all applicable laws regarding equal employment opportunities for all qualified applicants and employees. It is against our policy to discriminate against any qualified applicant or employee on the basis of actual or perceived race, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, age, ancestry, ethnicity, disability, pregnancy, citizenship, marital status, familial status, military or veteran status, genetic information, predisposing genetic characteristic, status as a victim of domestic violence, stalking and sex offenses, or any other status protected by applicable federal, state or local law.