SENIORS VS CRIME INC: Form 990, tax year 2012

View the entire original 990 at ProPublica ↗

Organization
SENIORS VS CRIME INC (EIN 65-0395307)
Tax period
2012-07-01 to 2013-06-30
Filed
2013-11-14
IRS object ID
201343189349304474
Schema version
2012v2.3
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

FieldValueIRS element (for citing)
Timestamp2013-11-14T13:39:04-06:00Timestamp
Tax Period End Date2013-06-30TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

FieldValueIRS element (for citing)
Business Name Line1SMYTH & HAUCK PA CPASBusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

FieldValueIRS element (for citing)
Address Line1631 US HIGHWAY ONE SUITE 411AddressLine1
CityNORTH PALM BEACHCity
StateFLState
ZIP Code334084621ZIPCode
FieldValueIRS element (for citing)
Return Type990ReturnType
Tax Period Begin Date2012-07-01TaxPeriodBeginDate

Filer Filer

FieldValueIRS element (for citing)
EIN650395307EIN

Name Name

FieldValueIRS element (for citing)
Business Name Line1SENIORS VS CRIME INCBusinessNameLine1
FieldValueIRS element (for citing)
Name ControlSENINameControl
Phone7273764348Phone

US Address USAddress

FieldValueIRS element (for citing)
Address Line15242 SAGAMORE COURTAddressLine1
CityNEW PORT RICHEYCity
StateFLState
ZIP Code34655ZIPCode

Officer Officer

FieldValueIRS element (for citing)
NameDONALD E RAVENNAName
TitlePRESIDENTTitle
Phone7273764348Phone
Date Signed2013-10-17DateSigned
Authorize Third PartytrueAuthorizeThirdParty

Preparer Preparer

FieldValueIRS element (for citing)
NameDARBY M HAUCKName
Phone5618489300Phone
Date Prepared2013-10-23DatePrepared
FieldValueIRS element (for citing)
Tax Year2012TaxYear
Build TS2016-02-25 16:41:14ZBuildTS

Form 990 IRS990

FieldValueIRS element (for citing)
Name Of Principal Officer PersonDONALD E RAVENNANameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

FieldValueIRS element (for citing)
Address Line15242 SAGAMORE COURTAddressLine1
CityNEW PORT RICHEYCity
StateFLState
ZIP Code34655ZIPCode
FieldValueIRS element (for citing)
Gross Receipts344420GrossReceipts
Group Return For AffiliatesfalseGroupReturnForAffiliates
Organization501c3XOrganization501c3
Web SiteWWW.SENIORSVSCRIME.COMWebSite
Type Of Organization CorporationXTypeOfOrganizationCorporation
Year Formation1993YearFormation
State Legal DomicileFLStateLegalDomicile
Activity Or Mission DescriptionTO ASSIST THE FLORIDA ATTORNEY GENERAL IN PREVENTING CRIMES AGAINST THE ELDERLY. TO EDUCATE SENIORS ABOUT CONSUMER FRAUDS, CON GAMES, SCAMS AND OTHER CRIMINAL ACTS. TO PROVIDE ASSISTANCE TO LAW ENFORCEMENT AND REGULATORY ORGANIZATIONS IN INVESTIGATIONS. TO ASSIST SENIOR VICTIMS THROUGH MEDIATION AND REFERRAL SERVICES.ActivityOrMissionDescription
Nbr Voting Members Governing Body5NbrVotingMembersGoverningBody
Nbr Independent Voting Members5NbrIndependentVotingMembers
Total Nbr Employees14TotalNbrEmployees
Total Nbr Volunteers2000TotalNbrVolunteers
Total Gross UBI0TotalGrossUBI
Contributions Grants Prior Year205768ContributionsGrantsPriorYear
Contributions Grants Current Year334383ContributionsGrantsCurrentYear
Program Service Revenue Prior Year25385ProgramServiceRevenuePriorYear
Program Service Revenue CY10035ProgramServiceRevenueCY
Investment Income Prior Year2InvestmentIncomePriorYear
Investment Income Current Year2InvestmentIncomeCurrentYear
Other Revenue Prior Year224OtherRevenuePriorYear
Other Revenue Current Year0OtherRevenueCurrentYear
Total Revenue Prior Year231379TotalRevenuePriorYear
Total Revenue Current Year344420TotalRevenueCurrentYear
Grants And Similar Amnts CY0GrantsAndSimilarAmntsCY
Benefits Paid To Members CY0BenefitsPaidToMembersCY
Salaries Etc Prior Year261078SalariesEtcPriorYear
Salaries Etc Current Year240075SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY0TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year0TotalFundrsngExpCurrentYear
Other Expense Prior Year129097OtherExpensePriorYear
Other Expenses Current Year127450OtherExpensesCurrentYear
Total Expenses Prior Year390175TotalExpensesPriorYear
Total Expenses Current Year367525TotalExpensesCurrentYear
Revenues Less Expenses Prior Year-158796RevenuesLessExpensesPriorYear
Revenues Less Expenses CY-23105RevenuesLessExpensesCY
Total Assets BOY99211TotalAssetsBOY
Total Assets EOY76317TotalAssetsEOY
Total Liabilities BOY353TotalLiabilitiesBOY
Total Liabilities EOY564TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY98858NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY75753NetAssetsOrFundBalancesEOY
Info In Schedule O Part IIIXInfoInScheduleOPartIII
Mission DescriptionTO ASSIST THE FLORIDA ATTORNEY GENERAL IN PREVENTING CRIMES AGAINST THE ELDERLY. TO EDUCATE SENIORS ABOUT CONSUMER FRAUDS, CON GAMES, SCAMS AND OTHER CRIMINAL ACTS. TO PROVIDE ASSISTANCE TO LAW ENFORCEMENT AND REGULATORY ORGANIZATIONS IN INVESTIGATIONS. TO ASSIST SENIOR VICTIMS THROUGH MEDIATION AND REFERRAL SERVICES.MissionDescription
Significant New Program ServicesfalseSignificantNewProgramServices
Significant ChangefalseSignificantChange
Expense298301Expense
DescriptionPREVENTION OF CRIMES AGAINST THE ELDERLY.Description
Total Program Service Expense298301TotalProgramServiceExpense
Described In501 C3trueDescribedIn501C3
Schedule B RequiredtrueScheduleBRequired
Political ActivitiesfalsePoliticalActivities
Lobbying ActivitiesfalseLobbyingActivities
Subject To Proxy TaxfalseSubjectToProxyTax
Donor Advised FundsfalseDonorAdvisedFunds
Conservation EasementsfalseConservationEasements
Collections Of ArtfalseCollectionsOfArt
Credit CounselingfalseCreditCounseling
Term Or Permanent EndowmentsfalseTermOrPermanentEndowments
Report Land Bldg EquiptrueReportLandBldgEquip
Report Invest Oth SecuritiesfalseReportInvestOthSecurities
Report Prog Rel InvestfalseReportProgRelInvest
Report Other AssetsfalseReportOtherAssets
Report Other LiabilitiestrueReportOtherLiabilities
Report Fin48 FootnotefalseReportFin48Footnote
Independent Audit Financial StmtfalseIndependentAuditFinancialStmt
Consolidated Audit Financial StmtfalseConsolidatedAuditFinancialStmt
SchoolfalseSchool
Foreign OfficefalseForeignOffice
Foreign ActivitiesfalseForeignActivities
More Than5000 K To OrganizationsfalseMoreThan5000KToOrganizations
More Than5000 K To IndividualsfalseMoreThan5000KToIndividuals
Professional FundraisingfalseProfessionalFundraising
Fundraising ActivitiesfalseFundraisingActivities
GamingfalseGaming
HospitalfalseHospital
Grants To OrganizationsfalseGrantsToOrganizations
Grants To IndividualsfalseGrantsToIndividuals
Schedule J RequiredfalseScheduleJRequired
Tax Exempt BondsfalseTaxExemptBonds
Excess Benefit TransactionfalseExcessBenefitTransaction
Prior Excess Benefit TransactionfalsePriorExcessBenefitTransaction
Loan To Officer Or DQPfalseLoanToOfficerOrDQP
Grant To Related PersonfalseGrantToRelatedPerson
Bsnss Rltnshp With OrganizationfalseBsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family MemberfalseBsnssRltnshpThruFamilyMember
Officer Entity With Bsnss RltnshpfalseOfficerEntityWithBsnssRltnshp
Deductible Non Cash ContributionsfalseDeductibleNonCashContributions
Deductible Contributions Of ArtfalseDeductibleContributionsOfArt
TerminatedfalseTerminated
Partial LiquidationfalsePartialLiquidation
Disregarded EntityfalseDisregardedEntity
Related EntityfalseRelatedEntity
Related Org Controlled EntityfalseRelatedOrgControlledEntity
Transfers To Exempt Non Chrtbl OrgfalseTransfersToExemptNonChrtblOrg
Activities Conducted PartnershipfalseActivitiesConductedPartnership
Schedule O RequiredtrueScheduleORequired
Number Forms Transmitted With10960NumberFormsTransmittedWith1096
Number W2 G Included0NumberW2GIncluded
Number Of Employees14NumberOfEmployees
Employment Tax Returns FiledtrueEmploymentTaxReturnsFiled
Unrelated Business IncomefalseUnrelatedBusinessIncome
Foreign Financial AccountfalseForeignFinancialAccount
Prohibited Tax Shelter TransfalseProhibitedTaxShelterTrans
Taxable Party NotificationfalseTaxablePartyNotification
Non Deductible ContributionsfalseNonDeductibleContributions
Indoor Tanning ServicesfalseIndoorTanningServices
Info In Schedule O Part VIXInfoInScheduleOPartVI
Nbr Voting Governing Body Members5NbrVotingGoverningBodyMembers
Number Independent Voting Members5NumberIndependentVotingMembers
Family Or Business RelationshipfalseFamilyOrBusinessRelationship
Delegation Of Management DutiesfalseDelegationOfManagementDuties
Changes To Organizing DocsfalseChangesToOrganizingDocs
Material Diversion Or MisusefalseMaterialDiversionOrMisuse
Members Or StockholdersfalseMembersOrStockholders
Election Of Board MembersfalseElectionOfBoardMembers
Decisions Subject To ApprovalfalseDecisionsSubjectToApproval
Minutes Of Governing BodytrueMinutesOfGoverningBody
Minutes Of CommitteestrueMinutesOfCommittees
Officer Mailing AddressfalseOfficerMailingAddress
Local ChaptersfalseLocalChapters
Form990 Provided To Governing BodytrueForm990ProvidedToGoverningBody
Conflict Of Interest PolicyfalseConflictOfInterestPolicy
Whistleblower PolicyfalseWhistleblowerPolicy
Document Retention PolicyfalseDocumentRetentionPolicy
Compensation Process CEOfalseCompensationProcessCEO
Compensation Process OtherfalseCompensationProcessOther
Investment In Joint VenturefalseInvestmentInJointVenture
States Where Copy Of Return Is FiledFLStatesWhereCopyOfReturnIsFiled
Upon RequestXUponRequest

The Books Are In Care Of TheBooksAreInCareOf

FieldValueIRS element (for citing)
Name PersonMARYANNA PAPADOPOULOSNamePerson
Telephone Number7273721546TelephoneNumber

Address US AddressUS

FieldValueIRS element (for citing)
Address Line112940 TIKAL WAYAddressLine1
CityTRINITYCity
StateFLState
ZIP Code34655ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (6 entries)

TitleTitleAverage Hours Per WeekAverageHoursPerWeekIndividual Trustee Or DirectorIndividualTrusteeOrDirectorReportable Comp From OrganizationReportableCompFromOrganizationReportable Comp From Related OrgsReportableCompFromRelatedOrgsOther CompensationOtherCompensationOfficerOfficer
NICHOLAS B COX
DIRECTOR2.00X000
EDWIN M BOYER
VICE-CHAIRMA2.00X000
JAY MORGAN
CHAIRMAN2.00X000
SLADE DUKES
DIRECTOR2.00X000
DONALD E RAVENNA
PRESIDENT20.003366000X
MARYANNA PAPADOPOULOS
SECTY/TREASU20.001744000X
FieldValueIRS element (for citing)
Total Reportable Comp From Org51100TotalReportableCompFromOrg
Formers ListedfalseFormersListed
Total Comp GT150 KfalseTotalCompGT150K
Compensation From Other SourcesfalseCompensationFromOtherSources
All Other Contributions334383AllOtherContributions
Total Contributions334383TotalContributions

Program Service Revenue ProgramServiceRevenue (2 entries)

DescriptionDescriptionTotal Revenue ColumnTotalRevenueColumnExclusionExclusionAmount
SMP-SR MEDICARE PATROL 2012-26420$6,420
SMP-SR MEDICARE PATROL 5A3615$3,615
FieldValueIRS element (for citing)
Total Program Service Revenue10035TotalProgramServiceRevenue

Investment Income InvestmentIncome

FieldValueIRS element (for citing)
Total Revenue Column2TotalRevenueColumn
Exclusion$2ExclusionAmount

Total Revenue TotalRevenue

FieldValueIRS element (for citing)
Total Revenue Column344420TotalRevenueColumn
Exclusion$10,037ExclusionAmount

Comp Current Officers Directors CompCurrentOfficersDirectors

FieldValueIRS element (for citing)
Total51100Total
Program Services33660ProgramServices
Management And General17440ManagementAndGeneral

Other Salaries And Wages OtherSalariesAndWages

FieldValueIRS element (for citing)
Total170867Total
Program Services170867ProgramServices

Payroll Taxes PayrollTaxes

FieldValueIRS element (for citing)
Total18108Total
Management And General18108ManagementAndGeneral

Fees For Services Accounting FeesForServicesAccounting

FieldValueIRS element (for citing)
Total2211Total
Management And General2211ManagementAndGeneral

Fees For Services Other FeesForServicesOther

FieldValueIRS element (for citing)
Total323Total
Management And General323ManagementAndGeneral

Advertising Advertising

FieldValueIRS element (for citing)
Total864Total
Program Services753ProgramServices
Management And General111ManagementAndGeneral

Office Expenses OfficeExpenses

FieldValueIRS element (for citing)
Total16929Total
Program Services3517ProgramServices
Management And General13412ManagementAndGeneral

Occupancy Occupancy

FieldValueIRS element (for citing)
Total8146Total
Program Services8146ProgramServices

Travel Travel

FieldValueIRS element (for citing)
Total28896Total
Program Services27837ProgramServices
Management And General1059ManagementAndGeneral

Conferences Meetings ConferencesMeetings

FieldValueIRS element (for citing)
Total2561Total
Program Services2561ProgramServices

Depreciation Depletion DepreciationDepletion

FieldValueIRS element (for citing)
Total1723Total
Program Services1723ProgramServices

Insurance Insurance

FieldValueIRS element (for citing)
Total4540Total
Management And General4540ManagementAndGeneral

Other Expenses OtherExpenses (4 entries)

DescriptionDescriptionTotalTotalProgram ServicesProgramServicesManagement And GeneralManagementAndGeneral
TELEPHONE42886348877999
INTERNET799741573840
UNIFORMS50535053
MEALS REIMBURSEMENT47044704

All Other Expenses AllOtherExpenses

FieldValueIRS element (for citing)
Total617Total
Program Services436ProgramServices
Management And General181ManagementAndGeneral

Total Functional Expenses TotalFunctionalExpenses

FieldValueIRS element (for citing)
Total367525Total
Program Services298301ProgramServices
Management And General69224ManagementAndGeneral
Fundraising0Fundraising

Cash Non Interest Bearing CashNonInterestBearing

FieldValueIRS element (for citing)
BOY95078BOY
EOY72463EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

FieldValueIRS element (for citing)
BOY8BOY
FieldValueIRS element (for citing)
Land Buildings Equipment Basis38684LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec34830LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

FieldValueIRS element (for citing)
BOY4125BOY
EOY3854EOY

Total Assets TotalAssets

FieldValueIRS element (for citing)
BOY99211BOY
EOY76317EOY

Other Liabilities OtherLiabilities

FieldValueIRS element (for citing)
BOY353BOY
EOY564EOY

Total Liabilities TotalLiabilities

FieldValueIRS element (for citing)
BOY353BOY
EOY564EOY
FieldValueIRS element (for citing)
Follow SFAS117XFollowSFAS117

Unrestricted Net Assets UnrestrictedNetAssets

FieldValueIRS element (for citing)
BOY98858BOY
EOY75753EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

FieldValueIRS element (for citing)
BOY98858BOY
EOY75753EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

FieldValueIRS element (for citing)
BOY99211BOY
EOY76317EOY
FieldValueIRS element (for citing)
Reconcilation Revenue Expenses-23105ReconcilationRevenueExpenses
Method Of Accounting CashXMethodOfAccountingCash
Accountant Compile Or ReviewfalseAccountantCompileOrReview
FS AuditedfalseFSAudited

Schedule A IRS990ScheduleA

FieldValueIRS element (for citing)
Publicly Supported Org170b1 AviXPubliclySupportedOrg170b1Avi

Gifts Grants Contrib Received170 GiftsGrantsContribReceived170

FieldValueIRS element (for citing)
Current Tax Year Minus4 Years544892CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years180083CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years376527CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year205768CurrentTaxYearMinus1Year
Current Tax Year334383CurrentTaxYear
Total1641653Total

Total170 Total170

FieldValueIRS element (for citing)
Current Tax Year Minus4 Years544892CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years180083CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years376527CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year205768CurrentTaxYearMinus1Year
Current Tax Year334383CurrentTaxYear
Total1641653Total
FieldValueIRS element (for citing)
Public Support Total1701641653PublicSupportTotal170

Gross Investment Income170 GrossInvestmentIncome170

FieldValueIRS element (for citing)
Current Tax Year Minus4 Years130CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years4CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years2CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year2CurrentTaxYearMinus1Year
Current Tax Year2CurrentTaxYear
Total140Total

Other Income170 OtherIncome170

FieldValueIRS element (for citing)
Current Tax Year Minus4 Years499CurrentTaxYearMinus4Years
Current Tax Year Minus3 Years2431CurrentTaxYearMinus3Years
Current Tax Year Minus2 Years2482CurrentTaxYearMinus2Years
Current Tax Year Minus1 Year224CurrentTaxYearMinus1Year
Total5636Total
FieldValueIRS element (for citing)
Total Support1647429TotalSupport
Public Support Pertcentage1700.99650PublicSupportPertcentage170
Public Support Pertcent Prior Year0.99620PublicSupportPertcentPriorYear
Thirty Three Percnt Tests CY170XThirtyThreePercntTestsCY170

Schedule B IRS990ScheduleB

Contributor Info ContributorInfo

FieldValueIRS element (for citing)
Contributor NumberRESTRICTEDContributorNumber

Contributor Name Business ContributorNameBusiness

FieldValueIRS element (for citing)
Business Name Line1RESTRICTEDBusinessNameLine1

Contributor Address US ContributorAddressUS

FieldValueIRS element (for citing)
Address Line1RESTRICTEDAddressLine1
Address Line2RESTRICTEDAddressLine2
CityRESTRICTEDCity
StateRESTRICTEDState
ZIP CodeRESTRICTEDZIPCode
FieldValueIRS element (for citing)
Aggregate ContributionsRESTRICTEDAggregateContributions

Schedule D IRS990ScheduleD

Equipment Equipment

FieldValueIRS element (for citing)
Other Cost Or Other Basis38684OtherCostOrOtherBasis
Depreciation34830Depreciation
Book Value3854BookValue
FieldValueIRS element (for citing)
Total Of Book Value Land Buildings3854TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (3 entries)

DescriptionDescriptionAmountAmount
FICA/MEDI PAYABLE$229
SUTA PAYABLE$185
FEDERAL WITHHOLDING TAX PAYABLE$150
FieldValueIRS element (for citing)
Total Of Amounts564TotalOfAmounts

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (4 entries)

IdentifierIdentifierReturn ReferenceReturnReferenceExplanationExplanation
ORGANIZATION'S MISSIONFORM 990 - ORGANIZATION'S MISSIONTO ASSIST THE FLORIDA ATTORNEY GENERAL IN PREVENTING CRIMES AGAINST THE ELDERLY. TO EDUCATE SENIORS ABOUT CONSUMER FRAUDS, CON GAMES, SCAMS AND OTHER CRIMINAL ACTS. TO PROVIDE ASSISTANCE TO LAW ENFORCEMENT AND REGULATORY ORGANIZATIONS IN INVESTIGATIONS. TO ASSIST SENIOR VICTIMS THROUGH MEDIATION AND REFERRAL SERVICES.
EXPLANATION ON VOLUNTEERS AND TYPES OF SERVICES OR BENEFITSFORM 990, PAGE 1, PART I, LINE 6APPROXIMATELY 2000 SENIOR VOLUNTEERS, AGED 50 AND ABOVE, STAFF THE SENIORS VS. CRIME, INC. OFFICES WHICH ARE LOCATED THROUGHOUT THE STATE OF FLORIDA. THESE VOLUNTEERS, CALLED SENIOR SLEUTHS, ASSIST SENIORS WHO FEEL THAT A BUSINESS OR INDIVIDUAL HAS VICTIMIZED THEM ECONOMICALLY. THEIR DUTIES INCLUDE ANSWERING THE PHONE, ASSISTING WALK-INS, IDENTIFYING SUSPICIOUS ACTIVITY AND DIRECTING SENIORS TO PROPER AGENCY FOR RESOLUTION. THEY CONDUCT INTERVIEWS, RECORD DATA, MEDIATE SOLUTIONS, WRITE UP COPY OF PAST CASES, CONDUCT PHONE OR INTERNET RESEARCH, AND TRAIN OTHER VOLUNTEERS. THE SENIOR SLEUTHS ALSO HELP WITH INVESTIGATIONS AND MAY CONDUCT COVERT OPERATIONS AT BUSINESSES SUSPECTED OF ENGAGING IN FALSE OR DECEPTIVE PRACTICES. THE MAY ALSO WORK AT HOME REPORTING CONTACTS BY TELEMARKETING COMPANIES, REVIEWING THEIR MAIL FOR SUSPICIOUS SOLICITATIONS, OR BY CLIPPING NEWSPAPER OR MAGAZINE ADS. THE SENIOR SLEUTHS ARE NOT COMPENSATED NOR DO THEY INCUR EXPENSES.
ORGANIZATION'S PROCESS USED TO REVIEW FORM 990FORM 990, PAGE 6, PART VI, LINE 11BFORM 990 PREPARED BY INDEPENDENT CPA FIRM FROM RECORDS MAINTAINED BY THE ORGANIZATION. THE PRESIDENT AND TREASURER REVIEW THE COMPLETED FORM 990 FOR COMPLETENESS AND ACCURACY AND APPROVE THE FORM 990 FOR FILING. THE PRESIDENT SIGNS THE FORM 990 AND NOTIFIES THE BOARD OF DIRECTORS OF THIS. OTHER MEMBERS OF THE BOARD OF DIRECTORS MAY REVIEW THE RETURN.
GOVERNING DOCUMENTS DISCLOSURE EXPLANATIONFORM 990, PAGE 6, PART VI, LINE 19GOVERNING DOCUMENTS ARE AVAILABLE FOR PUBLIC INSPECTION UPON REQUEST.

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