2025-04-07T10:18:06-05:00 2024-05-31 440160260 FORVIS MAZARS LLP 255 S ORANGE AVENUE SUITE 600 ORLANDO FL 32801 990 2023-06-01 592120896 JOSEPH L MORSE HEALTH CENTER INC JOSE 5614715111 4847 DAVID S MACK DRIVE WEST PALM BEACH FL 33417 RANDY WOLAN CFO 5614715111 2025-04-07 1 1 PETER C GUBLER P00190185 4077405400 2025-04-07 2023 2025-03-06 01:10:19Z KEITH A MYERS 4847 DAVID S MACK DRIVE WEST PALM BEACH FL 33417 41276737 0 X WWW.MORSELIFE.ORG X 1980 FL THE ORGANIZATION IS DEDICATED TO ENHANCING SENIOR LIVING IN THE SPIRIT OF JEWISH TRADITION. 11 11 619 11 0 0 4041531 1352111 35315236 39315760 239627 130410 464520 478456 40060914 41276737 0 0 0 0 21331469 22828430 0 0 0 21864920 22861179 43196389 45689609 -3135475 -4412872 65530531 61977275 44784739 44482432 20745792 17494843 X THE ORGANIZATION OWNS AND OPERATES A 160-BED SKILLED NURSING FACILITY, 52-UNIT MEMORY CARE ASSISTED LIVING FACILITY, AND 160-UNIT AFFORDABLE ASSISTED LIVING FACILITY, PROVIDING CARE TO INDIGENT & FRAIL SENIORS IN THE SURROUNDING AREA. THE ORGANIZATION IS DEDICATED TO ENHANCING SENIOR LIVING. 0 0 34676447 37105921 MORSE HEALTH CENTER IS A LICENSED 160 BED SKILLED NURSING FACILITY (SNF) THAT PROVIDES BOTH LONG TERM CARE AND SHORT TERM REHABILITATION SERVICES. THE LONG TERM SKILLED NURSING COMPONENT HELPS TO MAINTAIN AND RESTORE ITS RESIDENTS TO THEIR HIGHEST LEVEL OF FUNCTIONING. THE CENTER ALSO OPERATES A 52-UNIT MEMORY CARE ASSISTED LIVING FACILITY. THE FACILITY IS DESIGNATED AS A "GOLD SEAL" FACILITY (AWARDED TO LESS THAN 2% OF FLORIDA'S SNF'S). THE SHORT TERM STAY (STS) PROGRAM AVERAGES 51% OF THE POPULATION AND THIS PROGRAM PROVIDES MEDICAL, NURSING, AND REHABILITATION SERVICES TO RESIDENTS WITH A GOAL OF RETURNING THEM TO THE COMMUNITY. IN THE CURRENT YEAR, 1,389 INDIVIDUALS WERE DISCHARGED TO THE COMMUNITY. THE FACILITY IS CERTIFIED FOR MEDICAID/MEDICARE FUNDING & IS SURVEYED ANNUALLY BY THE AGENCY FOR HEALTH CARE ADMINISTRATION. 100753 THE INSTITUTE FOR GERIATRIC RESEARCH HAS A FORMAL ACADEMIC RELATIONSHIP WITH THE UNIVERSITY OF MIAMI SCHOOL OF GERIATRIC MEDICINE, FLORIDA ATLANTIC UNIVERSITY (FAU) AND NOVA SOUTHEASTERN UNIVERSITY. POST-DOCTORAL MEDICAL STUDENTS FROM THE UNIVERSITY OF MIAMI ROTATE THROUGH THE FACILITY EACH MONTH. MEDICAL STUDENTS FROM FAU, AND NOVA ARE PLACED AT THE MORSE GERIATRIC CAMPUS FOR CLINICAL ROTATIONS. THE INSTITUTE HAS FIELD WORK AND PRECEPTOR RELATIONS IN ALL THE ALLIED HEALTH PROFESSIONS INCLUDING NURSING, SOCIAL WORK, PHYSICAL THERAPY, OCCUPATIONAL THERAPY, NUTRITION, AND COUNSELING. THE INSTITUTE HAS COMPLETED ORIGINAL RESEARCH ON TOPICS RANGING FROM ENHANCING NUTRITION, REMOTE WIRELESS MONITORING, AND WORKFORCE RECRUITMENT AND RETENTION STRATEGIES. SEE SCHEDULE O FOR ADDITIONAL INFORMATION.THE INSTITUTE HAS WRITTEN AND/OR COLLABORATED TO WRITE GRANTS DEMONSTRATING BEST PRACTICES WITH BOTH PRIVATE AND PUBLIC FOUNDATIONS. THE MORSELIFE LEARNING INSTITUTE WAS DEVELOPED TO PROVIDE TRAINING TO RESIDENTS, FAMILY MEMBERS, AND PROFESSIONALS. 279034 THE NURSING EDUCATION PROGRAM IS DESIGNED TO MEET BOTH THE MANDATED TRAINING NEEDS OF NURSES AND PROVIDE ENHANCED SKILLS OF BOTH DIRECT CARE AND MANAGEMENT STAFF. A MONTHLY CALENDAR OF EVENTS, TYPICALLY MORE THAN TEN CLASSES EACH MONTH, IS OFFERED TO NURSING AND GERIATRIC CENTER STAFF. THESE EDUCATIONAL SESSIONS MEET THE REQUIREMENTS FOR LICENSURE AND PROVIDE SPECIFIC LEARNING INSTRUCTION IN AREAS THAT NURSING MANAGEMENT HAS DETERMINED AS PRIORITY NEEDS FOR THE CARE OF THE FACILITY'S RESIDENTS. 2455454 2688295 RENTAL INCOME, GIFT SHOP, AND CULINARY SERVICES TO AFFILIATES AND EMPLOYEES. 2455454 2688295 37511688 1 1 0 0 0 0 0 0 0 0 1 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 107 0 1 619 1 0 0 0 0 0 0 0 0 0 0 X 11 11 1 1 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 0 1 0 X X LUSCHKA DELGADO 5612096108 4847 DAVID S MACK DRIVE WEST PALM BEACH FL 33417 KEITH MYERS PRESIDENT/CEO 2.00 18.00 X X 0 0 0 RANDY WOLAN CFO 2.00 56.00 X X 0 171042 13787 CAROL CRAWFORED CHAIRMAN 2.00 2.00 X X 0 0 0 GAIL FISCHER TREASURER/SECRETARY 2.00 X X 0 0 0 TERRI C SRIBERG DIRECTOR 2.00 16.00 X 0 0 0 MARILYN KATZ DIRECTOR 2.00 8.00 X 0 0 0 STANLEY M KATZ DIRECTOR 2.00 16.00 X 0 0 0 DAVID S MACK DIRECTOR 2.00 6.00 X 0 0 0 MARLENE SILVER DIRECTOR 2.00 X 0 0 0 KAREN KASNER DIRECTOR 2.00 X 0 0 0 ELLEN WOLF DIRECTOR 2.00 X 0 0 0 KARL DHANA SENIOR VP OF MEDICAL AFFAIRS 40.00 X 650109 0 30416 LEENA GEEVARGHESE SENIOR VP OF CLINICAL SERVICES 40.00 X 243281 0 24841 TRISHA HEWES SENIOR VP OF MARKETING 40.00 X 385507 0 30343 FRAN KROITOR DIRECTOR OF REHAB 40.00 X 176962 0 20276 SWETABEN PATEL INFECTION PREVENTIONIST 40.00 X 173610 0 5415 ROBERT MORIN DIRECTOR OF MAINTENANCE AND SECURITY 40.00 X 171422 0 5972 SOPHIA LYN-CHINQUE NURSE PRACTITIONER 40.00 X 141571 0 6752 CARMEN SHELL FORMER SVP OF HEALTH CENTER (END 09/23) 40.00 X 178029 0 0 2120491 171042 137802 8 1 1 0 MORSELIFE HEALTH SYSTEMS INC 4847 DAVID S MACK DRIVE WEST PALM BEACH FL 33417 MANAGEMENT SERVICES 3508512 CHENEY BROTHERS INC ONE CHENEY WAY RIVIERA BEACH FL 33404 FOOD AND BEVERAGE SERVICES 1660050 AGENCY FOR HEALTH CARE ADMINISTRATION LONG TERM CARE UNIT MS 14 2727 MAH TALLAHASSEE FL 32308 QUALITY ASSESSMENT FEE 922162 CAREONE PHARMACY SERVICES LLC 1003 EAST NEWPORT CENTER DR DEERFIELD BEACH FL 33442 PHARMACY SERVICES 859639 ULLMAN BURSA LLC 3812 COCONUT PALM DR STE 200 TAMPA FL 33619 LEGAL SERVICES 405197 22 1347960 4151 1352111 NET RESIDENT SERVICE REVENUE 623000 37105921 37105921 OTHER RESIDENT SERVICE REVENUE 623000 2209839 2209839 39315760 130410 130410 478456 0 478456 478456 478456 41276737 39794216 0 130410 916799 559247 357552 19350945 18422722 928223 62671 27719 34952 850686 781457 69229 1647329 1627361 19968 3508512 3508512 328704 328704 92397 92397 1309088 574319 734769 279731 279731 323772 145239 178533 511786 398769 113017 2329727 2309482 20245 20218 3837 16381 23664 12224 11440 1211546 1182182 29364 4021551 3981335 40216 1182437 13185 1169252 DIETARY/FOOD EXPENSES 3435507 3435507 MEDICAL SUPPLIES 2139688 2139688 QUALITY ASSESSMENT FEE 921885 921885 PATIENT EXPENSES 382123 382123 838843 593407 245436 45689609 37511688 8177921 0 161470 1266805 3902976 4484566 4368444 2748043 600548 252253 1132420 1125310 107497675 64022078 46528804 43475597 991929 1125718 7843940 7498983 65530531 61977275 4908065 4501292 1587 1587 38408054 37692547 1467033 2287006 44784739 44482432 X 20745792 17494843 20745792 17494843 65530531 61977275 X -4412872 1161923 X X 0 1 X 1 1 1 X 826863 3101635 2226179 4041531 1352111 11548319 40266844 30882167 26576743 35315236 39315760 172356750 41093707 33983802 28802922 39356767 40667871 183905069 0 2349391 2349391 2349391 2349391 181555678 483481 141805 534582 704147 608866 2472881 483481 141805 534582 704147 608866 2472881 2813394 431600 450000 3694994 44390582 34557207 29787504 40060914 41276737 190072944 0.95520 0.94940 0.01300 0.01220 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 129789 129789 85939783 46379394 39560389 20495805 16977991 3517814 932298 664693 267605 43475597 SUNTRUST - DEPOSITS AND RESIDENT TRUST ACCOUNTS 256565 SKILLED NURSING BED LICENSES 929442 DUE FROM AFFILIATES 966636 FAIR VALUE OF INTEREST RATE SWAP 4059824 OTHER CURRENT ASSETS 329720 CHARITABLE REMAINDER TRUSTS 956796 7498983 INTEREST PAYABLE 172243 OTHER LONG-TERM LIABILITIES 1115025 MEMORY CARE SECURITY DEPOSITS 250142 DUE FROM AFFILIATES 749596 2287006 X PART X, LINE 2: JOSEPH L. MORSE HEALTH CENTER, INC. IS INCLUDED IN THE CONSOLIDATED FINANCIAL STATEMENTS OF MORSELIFE HEALTH SYSTEM, INC. AND SUBSIDIARIES. THE CONSOLIDATED FINANCIAL STATEMENTS CONTAIN THE FOLLOWING FOOTNOTE: THE INTERNAL REVENUE SERVICE HAS DETERMINED THAT THE MEMBERS OF THE SYSTEM ARE EXEMPT FROM FEDERAL INCOME TAXES AND ARE QUALIFIED AS TAX-EXEMPT ORGANIZATIONS UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE (THE "CODE"). ACCORDINGLY, THESE CONSOLIDATED FINANCIAL STATEMENTS INCLUDE NO PROVISION OR LIABILITY FOR INCOME TAXES. 0 1 0 0 0 0 0 0 0 KARL DHANA SENIOR VP OF MEDICAL AFFAIRS 589576 0 52733 0 7800 0 11594 0 18822 0 680525 0 0 0 TRISHA HEWES SENIOR VP OF MARKETING 378526 0 1983 0 4998 0 17502 0 12841 0 415850 0 0 0 LEENA GEEVARGHESE SENIOR VP OF CLINICAL SERVICES 236698 0 6583 0 0 0 15419 0 9422 0 268122 0 0 0 FRAN KROITOR DIRECTOR OF REHAB 173914 0 3048 0 0 0 0 0 20276 0 197238 0 0 0 RANDY WOLAN CFO 0 154856 0 16186 0 0 0 0 0 13787 0 184829 0 0 SWETABEN PATEL INFECTION PREVENTIONIST 173610 0 0 0 0 0 0 0 5415 0 179025 0 0 0 CARMEN SHELL FORMER SVP OF HEALTH CENTER (END 09/ 0 0 116438 0 61591 0 0 0 0 0 178029 0 0 0 ROBERT MORIN DIRECTOR OF MAINTENANCE AND SECURITY 166489 0 4933 0 0 0 0 0 5972 0 177394 0 0 0 PART I, LINE 3 JOSEPH L. MORSE HEALTH'S KEY PERSONNEL ARE MAINLY EMPLOYED BY MORSELIFE HEALTH SYSTEM, INC., A RELATED 501(C)(3) ORGANIZATION. THAT ORGANIZATION USES THE FOLLOWING TO ESTABLISH COMPENSATION FOR JOSEPH L. MORSE HEALTH'S KEY PERSONNEL: COMPENSATION COMMITTEE; FORM 990 OF OTHER ORGANIZATIONS; WRITTEN EMPLOYMENT CONTRACT; COMPENSATION SURVEY OR STUDY; APPROVAL BY THE BOARD OR COMPENSATION COMMITTEE. PART I, LINE 4B JOSEPH L. MORSE HEALTH CENTER, INC. MAINTAINS TWO NONQUALIFIED EMPLOYEE DEFERRED COMPENSATION PLANS OPEN TO CERTAIN KEY EMPLOYEES UNDER INTERNAL REVENUE CODE 457(B) AND SECTION 457(F) (COLLECTIVELY, THE 457 PLANS). THE 457 PLANS PROVIDE, AMONG OTHER THINGS, FOR VOLUNTARY CONTRIBUTIONS TO BE MADE BY ELIGIBLE PARTICIPANTS. THESE FUNDS REMAIN THE PROPERTY OF MORSELIFE HEALTH SYSTEM, INC. AND SUBSIDIARIES. MORSELIFE HEALTH SYSTEM, INC. AND SUBSIDIARIES HAVE A FIDUCIARY DUTY OF ACCOUNTABILITY FOR THESE FUNDS. JOSEPH L. MORSE HEALTH CENTER, INC. MADE CONTRIBUTIONS ON BEHALF OF THE FOLLOWING LISTED EMPLOYEE(S) THAT PARTICIPATED IN THE DEFERRED COMPENSATION PLAN UNDER IRC. SEC. 457(B): DHANA, KARL - $11,594 GEEVARGHESE, LEENA - $15,419 HEWES, TRISHA - $17,502 A PALM BEACH COUNTY HEALTH FACILITIES AUTHORITY 521297506 696507UP5 2019-08-01 180075000 SEE SUPPLMENTAL INFO. 0 0 0 A 3086948 40978787 38779343 220048 1979396 1 1 1 1 A 0 0 0 0 0 0 0 A 1 0 0 0 0 0 A 0 FORM 990, PART VI, SECTION A, LINE 2 THE FILING ORGANIZATION'S CEO, KEITH MYERS, AND CFO, RANDY WOLAN ARE BUSINESS PARTNERS AS THEY ARE OWNERS OF AMPLIFII MANAGEMENT, LLC. FORM 990, PART VI, SECTION A, LINE 3 AS OF JANUARY 1, 2019, THE AGENCY ENTERED INTO A MANAGEMENT AGREEMENT ("AGREEMENT") WITH AMPLIFII MANAGEMENT, LLC ("AMPLIFII"), AN UNRELATED, FOR-PROFIT ENTITY, TO PROVIDE SPECIFICALLY DESCRIBED CONSULTING SERVICES WHICH ENCOMPASS RECOMMENDATIONS, SUPPORT, GUIDANCE AND OVERSIGHT WITH RESPECT TO THE OVERALL BUSINESS OPERATIONS AND DEVELOPMENT ACTIVITIES OF THE AGENCY THAT ARE ALSO CLOSELY ALINED WITH AMPLIFII'S CONSULTING SERVICES AS PROVIDED TO OTHER RELATED HEALTH CARE FACILITIES. THE INITIAL TERM OF THE AGREEMENT IS FOR A PERIOD OF FIVE (5) YEARS AND MAY BE EXTENDED FOR AN ADDITIONAL PERIOD OF FIVE (5) YEARS AS AGREED. THE AGREEMENT PROVIDES FOR THE PAYMENT OF CONSULTING FEES TO AMPLIFII BASED ON A DEFINED PERCENTAGE OF THE AGENCY'S ADJUSTED GROSS REVENUES. AMPLIFII IS SOLELY RESPONSIBLE FOR ALL ITS OPERATING EXPENSES INCURRED IN PROVIDNG THE CONSUTLING SERVICES DEFIND IN THE AGREEMENT WITH THE AGENCY, WITHOUT PROVISION FOR REIMBURSEMENT. FORM 990, PART VI, SECTION A, LINE 6 MORSELIFE HEALTH SYSTEM, INC. IS THE SOLE MEMBER OF JOSEPH L. MORSE HEALTH CENTER, INC. FORM 990, PART VI, SECTION A, LINE 7A THE SOLE MEMBER, MORSELIFE HEALTH SYSTEM, INC., SHALL ELECT BOARD MEMBERS AND AT ANY TIME IN ITS SOLE DISCRETION, REMOVE AND NAME A REPLACEMENT FOR ANY BOARD MEMBER. FORM 990, PART VI, SECTION A, LINE 7B MORSELIFE HEALTH SYSTEM, INC. IS THE SOLE MEMBER OF JOSEPH L. MORSE HEALTH CENTER, INC. AND, AS SUCH, ELECTS ITS BOARD OF DIRECTORS AND HAS ULTIMATE VOTING AND VETO AUTHORITY OVER BOARD DECISIONS. FORM 990, PART VI, SECTION B, LINE 11B THE COMMITTEE, COMPOSED OF THE CHAIRPERSON OF THE BOARD OF DIRECTORS FROM EACH OF THE MORSELIFE RELATED ORGANIZATIONS AND THE SENIOR VICE PRESIDENT OF FINANCE, IS RESPONSIBLE FOR THE REVIEW OF THE FORM 990. THE CHAIRPERSON OF MORSELIFE HEALTH SYSTEM, INC. IS THE CHAIRPERSON OF THE COMMITTEE. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION REQUIRES ALL BOARD MEMBERS TO SUBMIT A CONFLICT OF INTEREST STATEMENT ON AN ANNUAL BASIS. THE STATEMENTS, WHEN COMPLETED AND RETURNED, ARE REVIEWED BY THE PRESIDENT TO ENSURE THAT THERE ARE NO INADVERTENT CONFLICTS OF INTEREST. FORM 990, PART VI, SECTION B, LINE 15B JOSEPH L. MORSE HEALTH CENTER, INC. IS AN ORGANIZATION CONTROLLED BY MORSELIFE HEALTH SYSTEM, INC. THE PRESIDENT & CEO OF THE ORGANIZATION IS RESPONSIBLE FOR THE COMPENSATION OF THE MEMBERS OF THE EXECUTIVE TEAM, INCLUDING THE SR. VICE PRESIDENTS AND CHIEF FINANCIAL OFFICER. ANNUAL INCREASES AND BASE SALARY AMOUNTS ARE COMPARED TO THE COMPENSATION PACKAGES FOR SIMILAR POSITIONS UTILIZING OTHER SIMILAR ENTITIES' PUBLISHED IRS FORM 990. IN ADDITION, INDEPENDENT SALARY SURVEYS CONDUCTED BY NATIONAL ASSOCIATIONS & OTHER PROVIDER ENTITIES ARE UTILIZED TO ENSURE COMPARABILITY AND APPROPRIATENESS. THE PRESIDENT & CEO REPORTS ON THE ANNUAL INCREASE, SALARY ADJUSTMENT, AND/OR CHANGE IN BENEFIT PACKAGE FOR THE EXECUTIVE TEAM MEMBERS TO THE COMPENSATION COMMITTEE MADE UP OF THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 9: CHANGE IN PRESENT VALUE OF PLEDGES RECEIVABLE 1,161,923. FORM 990, PART XII, LINE 2C OVERSIGHT OF AUDIT AND SELECTION OF INDEPENDENT ACCOUNTANT: THE ORGANIZATION'S AUDIT, COMPLIANCE AND ETHICS COMMITTEE IS RESPONSIBLE FOR THE SELECTION, MONITORING AND EVALUATION OF AN INDEPENDENT ACCOUNTING FIRM AND OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS. THERE WAS NO CHANGE IN THIS PROCESS FROM THE PRIOR YEAR. MORSELIFE FOUNDATION INC 4847 DAVID S MACK DRIVE WEST PALM BEACH FL 33417 592774476 PROVIDES FUNDING TO AFFILIATED TAX-EXEMPT ENTITIES FL 501(C)(3) LINE 7 MORSELIFE HEALTH SYSTEM INC 0 LOLA & SAUL KRAMER SENIOR SERVICES AGENCY INC 4847 DAVID S MACK DRIVE WEST PALM BEACH FL 33417 900730105 PROVIDES HOME AND COMMUNITY-BASED SERVICES TO SENIORS FL 501(C)(3) LINE 10 MORSELIFE HEALTH SYSTEM INC 0 NEARLY NEW THRIFT SHOP OF MORSE GERIATRIC CENTER 4847 DAVID S MACK DRIVE WEST PALM BEACH FL 33417 592533256 RAISES FUNDS TO SUPPORT AFFILIATED TAX-EXEMPT ENTITIES FL 501(C)(3) LINE 12B, II MORSELIFE HEALTH SYSTEM INC 0 MORSELIFE HEALTH SYSTEM INC 4847 DAVID S MACK DRIVE WEST PALM BEACH FL 33417 650018299 PROVIDES HEALTH CARE, HOUSING AND SUPPORT SERVICES TO SENIORS FL 501(C)(3) LINE 12C, III-FI N/A 0 FRIENDS OF MORSELIFE INC 4847 DAVID S MACK DRIVE WEST PALM BEACH FL 33417 650329966 RAISES FUNDS TO SUPPORT AFFILIATED TAX-EXEMPT ENTITIES FL 501(C)(3) LINE 7 MORSELIFE FOUNDATION INC 0 MORSELIFE HOUSING CORPORATION INC 4847 DAVID S MACK DRIVE WEST PALM BEACH FL 33417 650888855 OPERATES A SENIOR LIVING COMMUNITY WITH FULL HEALTH SERVICES FL 501(C)(3) LINE 10 MORSELIFE HEALTH SYSTEM INC 0 MORSELIFE HOME CARE INC 4847 DAVID S MACK DRIVE WEST PALM BEACH FL 33417 592753822 PROVIDES HOME HEALTH, PACE, AND OTHER SERVICES TO SENIORS FL 501(C)(3) LINE 10 MORSELIFE HEALTH SYSTEM INC 0 MORSELIFE HOSPICE INSTITUTE INC 4847 DAVID S MACK DRIVE WEST PALM BEACH FL 33417 800730376 PROVIDES HOSPICE AND PALLIATIVE CARE SERVICES. FL 501(C)(3) LINE 10 MORSELIFE HOME CARE INC 0 NEXT GENERATIONS OF HOLOCAUST SURVIVORS INC 4847 DAVID S MACK DRIVE WEST PALM BEACH FL 33417 263902517 PROVIDES LEARNING OPPORTUNITIES THROUGH LESSONS LEARNED FROM THE HOLOCAUST FL 501(C)(3) LINE 10 LOLA & SAUL KRAMER SENIOR SERVICES AGENCY INC 0 0 0 1 0 1 0 0 0 0 1 1 1 1 1 1 1 1 1 0