ACHARAI THE SHOSHANA S CARDIN JEWISH LEADERSHIP INSTITUTE INC: Form 990EZ, tax year 2018
View the entire original 990 at ProPublica ↗
- Organization
- ACHARAI THE SHOSHANA S CARDIN JEWISH LEADERSHIP INSTITUTE INC (EIN 30-0507614)
- Tax period
- 2018-07-01 to 2019-06-30
- Filed
- 2020-04-01
- IRS object ID
- 202000929349200300
- Schema version
- 2018v3.1
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2020-04-01T06:29:11-05:00 | ReturnTs |
| Tax Period End | 2019-06-30 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 420714325 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | RSM US LLP | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 100 INTERNATIONAL DRIVE SUITE 1400 | AddressLine1Txt |
| City | BALTIMORE | CityNm |
| State Abbreviation | MD | StateAbbreviationCd |
| ZIP | 21202 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990EZ | ReturnTypeCd |
| Tax Period Begin | 2018-07-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 300507614 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | ACHARAI THE SHOSHANA S CARDIN JEWISH | BusinessNameLine1Txt |
| Business Name Line2 | LEADERSHIP INSTITUTE INC | BusinessNameLine2Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | ACHA | BusinessNameControlTxt |
| Phone | 4108437579 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 5806 PARK HEIGHTS AVENUE | AddressLine1Txt |
| City | BALTIMORE | CityNm |
| State Abbreviation | MD | StateAbbreviationCd |
| ZIP | 21215 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | BETH GANSKY | PersonNm |
| Person Title | EXECUTIVE DIRECTOR | PersonTitleTxt |
| Phone | 4108437579 | PhoneNum |
| Signature | 2020-03-31 | SignatureDt |
| Discuss With Paid Preparer | Yes (1) | DiscussWithPaidPreparerInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | JULIA FLANNERY | PreparerPersonNm |
| PTIN | P00928918 | PTIN |
| Phone | 4102469301 | PhoneNum |
Filing Security Information FilingSecurityInformation
IP Address IPAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| I Pv4 Address | 73.213.141.28 | IPv4AddressTxt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| IP | 2020-03-31 | IPDt |
| IP Tm | 13:28:52 | IPTm |
| IP Timezone | ED | IPTimezoneCd |
| Filing License Type | P | FilingLicenseTypeCd |
| At Submission Creation Device Id | DA39A3EE5E6B4B0D3255BFEF95601890AFD80709 | AtSubmissionCreationDeviceId |
| At Submission Filing Device Id | 4EE6A31F760B3C5EA0809148B0E883CC4242B14C | AtSubmissionFilingDeviceId |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2018 | TaxYr |
| Build TS | 2020-09-22 18:59:49Z | BuildTS |
Form 990-EZ IRS990EZ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Schedule B Not Required | Yes (X) | ScheduleBNotRequiredInd |
| Website Address | WWW.ACHARAI.ORG | WebsiteAddressTxt |
| Organization501c3 | Yes (X) | Organization501c3Ind |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Gross Receipts | $30,995 | GrossReceiptsAmt |
| Info In Schedule O Part I | Yes (X) | InfoInScheduleOPartIInd |
| Contributions Gifts Grants Etc | $29,970 | ContributionsGiftsGrantsEtcAmt |
| Investment Income | $525 | InvestmentIncomeAmt |
| Other Revenue Total | $500 | OtherRevenueTotalAmt |
| Total Revenue | $30,995 | TotalRevenueAmt |
| Grants And Similar Amounts Paid | $144,995 | GrantsAndSimilarAmountsPaidAmt |
| Fees And Other Pymt To Ind Cntrct | $200 | FeesAndOtherPymtToIndCntrctAmt |
| Other Expenses Total | $459 | OtherExpensesTotalAmt |
| Total Expenses | $145,654 | TotalExpensesAmt |
| Excess Or Deficit For Year | -$114,659 | ExcessOrDeficitForYearAmt |
| Net Assets Or Fund Balances BOY | $331,047 | NetAssetsOrFundBalancesBOYAmt |
| Other Changes In Net Assets | $247,450 | OtherChangesInNetAssetsAmt |
| Net Assets Or Fund Balances EOY | $463,838 | NetAssetsOrFundBalancesEOYAmt |
| Info In Schedule O Part II | Yes (X) | InfoInScheduleOPartIIInd |
Cash Savings And Investments CashSavingsAndInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $352,043 | BOYAmt |
| EOY | $331,372 | EOYAmt |
Other Assets Total Detail OtherAssetsTotalDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $14,308 | BOYAmt |
| EOY | $138,325 | EOYAmt |
Form990 Total Assets Form990TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $366,351 | BOYAmt |
| EOY | $469,697 | EOYAmt |
Sum Of Total Liabilities SumOfTotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $35,304 | BOYAmt |
| EOY | $5,859 | EOYAmt |
Net Assets Or Fund Balances NetAssetsOrFundBalancesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $331,047 | BOYAmt |
| EOY | $463,838 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part III | Yes (X) | InfoInScheduleOPartIIIInd |
| Primary Exempt Purpose | THE ORGANIZATION'S MISSION IS TO EMPOWER JEWISH LEADERS TO BE MORE INFORMED, THOUGHTFUL AND EFFECTIVE LEADERS OF THEIR JEWISH ORGANIZATIONS AND COMMUNITY BY DEVELOPING LEADERSHIP COMPETENCIES THROUGH A JEWISH LENS. | PrimaryExemptPurposeTxt |
Program Srvc Accomplishment ProgramSrvcAccomplishmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description Program Srvc Accom | GRANT TO THE ASSOCIATED'S CENTER FOR LEADERSHIP DEVELOPMENT. | DescriptionProgramSrvcAccomTxt |
| Grants And Allocations | $144,995 | GrantsAndAllocationsAmt |
| Program Service Expenses | $144,995 | ProgramServiceExpensesAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Expenses | $144,995 | TotalProgramServiceExpensesAmt |
| Info In Schedule O Part IV | Yes (X) | InfoInScheduleOPartIVInd |
Officer Director Trustee Empl OfficerDirectorTrusteeEmplGrp (12 entries)
| TitleTitleTxt | Average Hrs Per Wk Devoted To PosAverageHrsPerWkDevotedToPosRt | CompensationCompensationAmt | Employee Benefit ProgramEmployeeBenefitProgramAmt | Expense Account Other AllwncExpenseAccountOtherAllwncAmt |
|---|---|---|---|---|
| LOUISE ZIRRETTA | ||||
| PRESIDENT | 5.00 | $0 | $0 | $0 |
| NED HIMMELRICH | ||||
| FIRST VICE PRESIDENT | 1.50 | $0 | $0 | $0 |
| FRED HEYMAN | ||||
| VICE PRESIDENT | 1.50 | $0 | $0 | $0 |
| JOSHUA M MAUER | ||||
| TREASURER | 1.50 | $0 | $0 | $0 |
| JILL SAPPERSTEIN | ||||
| SECRETARY | 1.50 | $0 | $0 | $0 |
| ERIKA PARDES SCHON | ||||
| IMMEDIATE PAST PRESIDENT | 1.50 | $0 | $0 | $0 |
| SANFORD CARDIN | ||||
| DIRECTOR | 1.00 | $0 | $0 | $0 |
| MELISSA CORDISH | ||||
| DIRECTOR | 1.00 | $0 | $0 | $0 |
| BETH GOLDSMITH | ||||
| DIRECTOR | 1.00 | $0 | $0 | $0 |
| LARRY GORDON | ||||
| DIRECTOR | 1.00 | $0 | $0 | $0 |
| AVI GREENLINGER | ||||
| DIRECTOR | 1.00 | $0 | $0 | $0 |
| ROBERTA PERLMAN | ||||
| DIRECTOR | 1.00 | $0 | $0 | $0 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part V | Yes (X) | InfoInScheduleOPartVInd |
| Activities Not Previously Rpt | 0 | ActivitiesNotPreviouslyRptInd |
| Chg Made To Orgnzng Doc Not Rpt | 0 | ChgMadeToOrgnzngDocNotRptInd |
| Organization Had UBI | 0 | OrganizationHadUBIInd |
| Subject To Proxy Tax | 0 | SubjectToProxyTaxInd |
| Organization Dissolved Etc | Yes (1) | OrganizationDissolvedEtcInd |
| Direct Indirect Pltcl Expend | $0 | DirectIndirectPltclExpendAmt |
| Made Loans To From Officers | 0 | MadeLoansToFromOfficersInd |
| Tax Imposed Under IRC4911 | $0 | TaxImposedUnderIRC4911Amt |
| Tax Imposed Under IRC4912 | $0 | TaxImposedUnderIRC4912Amt |
| Tax Imposed Under IRC4955 | $0 | TaxImposedUnderIRC4955Amt |
| Engaged In Excess Benefit Trans | 0 | EngagedInExcessBenefitTransInd |
| Tax Imposed On Organization Mgr | $0 | TaxImposedOnOrganizationMgrAmt |
| Tax Reimbursed By Organization | $0 | TaxReimbursedByOrganizationAmt |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTransInd |
| States Where Copy Of Return Is Fld | MD | StatesWhereCopyOfReturnIsFldCd |
Books In Care Of Detail BooksInCareOfDetail
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CONNIE STERN | BusinessNameLine1Txt |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 101 WEST MOUNT ROYAL AVENUE | AddressLine1Txt |
| City | BALTIMORE | CityNm |
| State Abbreviation | MD | StateAbbreviationCd |
| ZIP | 21202 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 4103699214 | PhoneNum |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Foreign Financial Account | 0 | ForeignFinancialAccountInd |
| Foreign Office | 0 | ForeignOfficeInd |
| Donor Advised Fnds | 0 | DonorAdvisedFndsInd |
| Operate Hospital | 0 | OperateHospitalInd |
| Tanning Services Provided | 0 | TanningServicesProvidedInd |
| Related Organization Ctrl Ent | 0 | RelatedOrganizationCtrlEntInd |
| Political Campaign Acty | 0 | PoliticalCampaignActyInd |
| Lobbying Activities | 0 | LobbyingActivitiesInd |
| School Operating | 0 | SchoolOperatingInd |
| Trnsfr Exmpt Non Chrtbl Rltd Org | 0 | TrnsfrExmptNonChrtblRltdOrgInd |
| Part VI Of Comp Of Hghst Pd Empl | NONE | PartVIOfCompOfHghstPdEmplTxt |
| Part VI Hghst Pd Cntrct Prof Srvc | NONE | PartVIHghstPdCntrctProfSrvcTxt |
| Filed Schedule A | Yes (1) | FiledScheduleAInd |
Schedule A IRS990ScheduleA
| Field | Value | IRS element (for citing) |
|---|---|---|
| Publicly Supported Org509a2 | Yes (X) | PubliclySupportedOrg509a2Ind |
Gifts Grants Contris Rcvd509 GiftsGrantsContrisRcvd509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $207,610 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $445,512 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $335,327 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $144,479 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $29,970 | CurrentTaxYearAmt |
| Total | $1,162,898 | TotalAmt |
Gross Receipts Admissions GrossReceiptsAdmissionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $5,453 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $23,846 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $8,765 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $19,933 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $5,619 | CurrentTaxYearAmt |
| Total | $63,616 | TotalAmt |
Total509 Total509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $213,063 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $469,358 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $344,092 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $164,412 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $35,589 | CurrentTaxYearAmt |
| Total | $1,226,514 | TotalAmt |
Amounts Rcvd Dsqlfy Person AmountsRcvdDsqlfyPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $52,474 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $281,780 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $218,631 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $53,000 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $7,246 | CurrentTaxYearAmt |
| Total | $613,131 | TotalAmt |
Substantial Contributors Amt SubstantialContributorsAmtGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Subst And Dsqlfy Prsns Tot SubstAndDsqlfyPrsnsTotGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $52,474 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $281,780 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $218,631 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $53,000 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $7,246 | CurrentTaxYearAmt |
| Total | $613,131 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support Total509 | $613,383 | PublicSupportTotal509Amt |
Gross Investment Income509 GrossInvestmentIncome509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus1 Year | $880 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $525 | CurrentTaxYearAmt |
| Total | $1,405 | TotalAmt |
Investment Income And UBTI InvestmentIncomeAndUBTIGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus1 Year | $880 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $525 | CurrentTaxYearAmt |
| Total | $1,405 | TotalAmt |
Other Income509 OtherIncome509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $1,558 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus1 Year | $1,550 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $500 | CurrentTaxYearAmt |
| Total | $3,608 | TotalAmt |
Total Support Calendar Year TotalSupportCalendarYearGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $214,621 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $469,358 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $344,092 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $166,842 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $36,614 | CurrentTaxYearAmt |
| Total | $1,231,527 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support CY509 | 0.49810 | PublicSupportCY509Pct |
| Public Support PY509 | 0.73770 | PublicSupportPY509Pct |
| Investment Income CY | 0.00110 | InvestmentIncomeCYPct |
| Investment Income PY | 0.00080 | InvestmentIncomePYPct |
| Thirty Thr Pct Suprt Tests CY509 | Yes (X) | ThirtyThrPctSuprtTestsCY509Ind |
Schedule N IRS990ScheduleN
Disposition Of Assets Detail DispositionOfAssetsDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Assets Distri Or Expnss Paid | CASH | AssetsDistriOrExpnssPaidDesc |
| Distribution | 2018-07-01 | DistributionDt |
| Fair Market Value Of Asset | $144,995 | FairMarketValueOfAssetAmt |
| Method Of FMV Determination | CASH VALUE | MethodOfFMVDeterminationTxt |
| EIN | 520607957 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | THE ASSOCIATED JEWISH COMMUNITY FEDERATION OF BALTIMORE INC | BusinessNameLine1Txt |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 101 W MOUNT ROYAL AVENUE | AddressLine1Txt |
| City | BALTIMORE | CityNm |
| State Abbreviation | MD | StateAbbreviationCd |
| ZIP | 21201 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| IRC Section | 501(C)(3) | IRCSectionTxt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Director Of Successor2 | 0 | DirectorOfSuccessor2Ind |
| Employee Of Successor2 | Yes (1) | EmployeeOfSuccessor2Ind |
| Owner Of Successor2 | 0 | OwnerOfSuccessor2Ind |
| Receive Compensation2 | 0 | ReceiveCompensation2Ind |
Supplemental Information Detail SupplementalInformationDetail (2 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| PART II, LINE 2E: | PERSON(S) INVOLVED: BETH GANSKY |
| PART II, LINE 2E: | EXPLANATION OF INVOLVEMENT: BETH GANSKY, OFFICER AND EXECUTIVE DIRECTOR OF ACHARAI, BECAME AN EMPLOYEE OF THE TRANSFEREE ORGANIZATION. |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (7 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME | DESCRIPTION: INVESTMENT INCOME. AMOUNT: 525. |
| FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE | DESCRIPTION: OTHER. AMOUNT: 500. |
| FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID | ACTIVITY CLASSIFICATION: . GRANTEE NAME: THE ASSOCIATED: JEWISH COMMUNITY FEDERATION OF GRANTEE NAME: THE ASSOCIATED: JEWISH COMMUNITY FEDERATION OF. GRANTEE ADDRESS: 101 W MOUNT ROYAL AVE BALTIMORE, MD 21201. GRANTEE RELATIONSHIP: NONE. DATE OF GIFT: 07/01/18. AMOUNT GIVEN: 144,995. |
| FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES | DESCRIPTION: ANNUAL MEETING. AMOUNT: 60. DESCRIPTION: BANK FEES. AMOUNT: 299. DESCRIPTION: MISCELLANEOUS. AMOUNT: 100. TOTAL TO FORM 990-EZ, LINE 16: 459. |
| FORM 990-EZ, PART I, LINE 20 - OTHER CHANGES IN NET ASSETS | DESCRIPTION: RESTATEMENT OF NET ASSETS. AMOUNT: 247,450. |
| FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS | DESCRIPTION: ACCOUNTS RECEIVABLE. BEG. OF YEAR AMOUNT: 14,308. END OF YEAR AMOUNT: 138,325. |
| FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES | DESCRIPTION: ACCOUNTS PAYABLE. BEG. OF YEAR AMOUNT: 2,180. END OF YEAR AMOUNT: 0. DESCRIPTION: DUE TO THE ASSOCIATED. BEG. OF YEAR AMOUNT: 20,749. END OF YEAR AMOUNT: 5,859. DESCRIPTION: DEFERRED REVENUE. BEG. OF YEAR AMOUNT: 12,375. END OF YEAR AMOUNT: 0. |
Transfer Prsnl Bnft Contracts Decl TransferPrsnlBnftContractsDecl
| Field | Value | IRS element (for citing) |
|---|---|---|
| Declaration | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. | DeclarationDesc |
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