OHIO LEAGUE TRUST FOR EMPLOYEE BENEFITS: Form 990, tax year 2019

View the entire original 990 at ProPublica ↗

Organization: OHIO LEAGUE TRUST FOR EMPLOYEE BENEFITS (EIN 31-6172509)
Tax period: 2019-01-01 to 2019-12-31
Filed: 2020-09-18
IRS object ID: 202022629349301007
Schema version: 2019v5.0
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
Form 990
Schedule D
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2020-09-18T09:35:54-05:00	ReturnTs
Tax Period End	2019-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	311158488	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	HIRTH NORRIS & GARRISON LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	2425 OLD STRINGTOWN ROAD	AddressLine1Txt
City	GROVE CITY	CityNm
State Abbreviation	OH	StateAbbreviationCd
ZIP	431232919	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2019-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	316172509	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	OHIO BANKERS BENEFITS TRUST	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	OHIO	BusinessNameControlTxt
Phone	6143407595	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4215 WORTH AVENUE SUITE 300	AddressLine1Txt
City	COLUMBUS	CityNm
State Abbreviation	OH	StateAbbreviationCd
ZIP	43219	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	JEFFREY QUAYLE	PersonNm
Person Title	MANAGING DIRECTOR	PersonTitleTxt
Phone	6143407595	PhoneNum
Signature	2020-08-17	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	TIMOTHY R HARRIS	PreparerPersonNm
PTIN	P00194140	PTIN
Phone	6148750803	PhoneNum
Preparation	2020-08-17	PreparationDt

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	204.210.169.51	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2020-09-18	IPDt
IP Tm	09:35:54	IPTm
IP Timezone	CD	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	BC2AD155EF49E6237D71BDB69687C087139A88AA	AtSubmissionCreationDeviceId
At Submission Filing Device Id	F2BEB76BA111AB60702FA5B947C4390769ADF387	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2019	TaxYr
Build TS	2022-01-07 14:23:13Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	JEFFREY QUAYLE	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4215 WORTH AVENUE SUITE 300	AddressLine1Txt
City	COLUMBUS	CityNm
State Abbreviation	OH	StateAbbreviationCd
ZIP	43219	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$20,187,605	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	SEE SCHEDULE O	WebsiteAddressTxt
Type Of Organization Trust	Yes (X)	TypeOfOrganizationTrustInd
Formation	1997	FormationYr
Legal Domicile State	OH	LegalDomicileStateCd
Activity Or Mission	THE ORGANIZATION IS A MULTIPLE EMPLOYER WELFARE ARRANGEMENT (MEWA) WHICH PROVIDES MEDICAL, DENTAL, VISION, PRESCRIPTION DRUG BENEFITS AND LIFE INSURANCE FOR ITS MEMBERS AND THEIR DEPENDENTS.	ActivityOrMissionDesc
Voting Members Governing Body	6	VotingMembersGoverningBodyCnt
Voting Members Independent	6	VotingMembersIndependentCnt
Total Employee	0	TotalEmployeeCnt
Total Gross UBI	$0	TotalGrossUBIAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$17,313,436	PYProgramServiceRevenueAmt
CY Program Service Revenue	$19,160,770	CYProgramServiceRevenueAmt
PY Investment Income	$257,964	PYInvestmentIncomeAmt
CY Investment Income	$291,793	CYInvestmentIncomeAmt
CY Other Revenue	$735,042	CYOtherRevenueAmt
PY Total Revenue	$17,571,400	PYTotalRevenueAmt
CY Total Revenue	$20,187,605	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$17,017,324	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$16,342,328	CYBenefitsPaidToMembersAmt
CY Salaries Comp Emp Bnft Paid	$0	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$1,941,892	PYOtherExpensesAmt
CY Other Expenses	$2,361,084	CYOtherExpensesAmt
PY Total Expenses	$18,959,216	PYTotalExpensesAmt
CY Total Expenses	$18,703,412	CYTotalExpensesAmt
PY Revenues Less Expenses	-$1,387,816	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,484,193	CYRevenuesLessExpensesAmt
Total Assets BOY	$13,573,773	TotalAssetsBOYAmt
Total Assets EOY	$15,438,835	TotalAssetsEOYAmt
Total Liabilities BOY	$1,748,394	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,821,567	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$11,825,379	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$13,617,268	NetAssetsOrFundBalancesEOYAmt
Mission	THE ORGANIZATION IS A MULTIPLE EMPLOYER WELFARE ARRANGEMENT (MEWA) WHICH PROVIDES MEDICAL, DENTAL, VISION, PRESCRIPTION DRUG BENEFITS AND LIFE INSURANCE FOR ITS MEMBERS AND THEIR DEPENDENTS.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Expense	$18,703,412	ExpenseAmt
Revenue	$19,160,770	RevenueAmt
Desc	ALL FUNDS ARE SPENT TO ACCOMPLISH THE TRUST'S ONLY PURPOSE WHICH IS DESCRIBED IN LINE 1 ABOVE.	Desc
Total Program Service Expenses	$18,703,412	TotalProgramServiceExpensesAmt
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	false	PoliticalCampaignActyInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	false	CreditCounselingInd
Donor Rstr Or Quasi Endowments	false	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	false	ReportLandBuildingEquipmentInd
Report Investments Other Sec	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	false	ReportOtherLiabilitiesInd
Include FIN48 Footnote	false	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (true)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	false	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	false	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	false	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Loan Outstanding	false	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	false	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	0	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Employee	0	EmployeeCnt
Unrelated Bus Incm Over Limit	false	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	false	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	false	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	6	GoverningBodyVotingMembersCnt
Independent Voting Member	6	IndependentVotingMemberCnt
Family Or Business Rln	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	false	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	false	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	false	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (true)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	false	CompensationProcessCEOInd
Compensation Process Other	false	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	CYNTHIA DONDREA	PersonNm
Phone	6143407595	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4215 WORTH AVENUE	AddressLine1Txt
Address Line2	SUITE 300	AddressLine2Txt
City	COLUMBUS	CityNm
State Abbreviation	OH	StateAbbreviationCd
ZIP	43219	ZIPCd

Field	Value	IRS element (for citing)
No Listed Persons Compensated	Yes (X)	NoListedPersonsCompensatedInd

Form990 Part VII Section A Form990PartVIISectionAGrp (7 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
JOHN ESSEN
TRUSTEE	2.00	Yes (X)	$0	$0	$0
MARK MASTERS
TRUSTEE	2.00	Yes (X)	$0	$0	$0
DEAN MILLER
TRUSTEE	2.00	Yes (X)	$0	$0	$0
PAUL REED
TRUSTEE	4.00	Yes (X)	$0	$0	$0
LEWIS RENOLLET
TRUSTEE	2.00	Yes (X)	$0	$0	$0
RON ZIMMERLY
TRUSTEE	2.00	Yes (X)	$0	$0	$0
JEFFREY QUAYLE
MANAGING DIR	20.00		$0	$0	$0	Yes (X)

Field	Value	IRS element (for citing)
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	false	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (3 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
COMMUNITY INSURANCE COMPANY
3075 VANDERCAR WAY	CINCINNATI	OH	45209	THIRD PARTY ADM	$979,476
AETNA LIFE INSURANCE COMPANY
4300 CENTREWAY PLACE	ARLINGTON	TX	76018	RUN OUT CLAIMS	$107,760
BUSINESSOLVERCOM INC
1025 ASHWORTH ROAD 101	WEST DES MOINES	IA	50265	BILLING & ELIG	$101,295

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	3	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp

Field	Value	IRS element (for citing)
Desc	MEMBER CONTRIBUTIONS	Desc
Total Revenue Column	$19,160,770	TotalRevenueColumnAmt
Related Or Exempt Func Income	$19,160,770	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$19,160,770	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$291,793	TotalRevenueColumnAmt
Related Or Exempt Func Income	$291,793	RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp (2 entries)

DescDesc	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
REBATE REVENUE	$735,000	$735,000
OTHER INCOME	$42	$42

Field	Value	IRS element (for citing)
Other Revenue Total	$735,042	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$20,187,605	TotalRevenueColumnAmt
Related Or Exempt Func Income	$20,187,605	RelatedOrExemptFuncIncomeAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$16,342,328	TotalAmt
Program Services	$16,342,328	ProgramServicesAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$8,436	TotalAmt
Program Services	$8,436	ProgramServicesAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$43,789	TotalAmt
Program Services	$43,789	ProgramServicesAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$50,946	TotalAmt
Program Services	$50,946	ProgramServicesAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$104,804	TotalAmt
Program Services	$104,804	ProgramServicesAmt

Other Expenses OtherExpensesGrp (3 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt
PLAN ADMINISTRATION	$1,168,223	$1,168,223
STOP LOSS INSURANCE PREM	$983,843	$983,843
MISCELLANEOUS OTHER FEES	$1,043	$1,043

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$18,703,412	TotalAmt
Program Services	$18,703,412	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$1,271,581	BOYAmt
EOY	$1,743,600	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$49,742	BOYAmt
EOY	$644,027	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$108,284	BOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$12,144,166	BOYAmt
EOY	$13,051,208	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$13,573,773	BOYAmt
EOY	$15,438,835	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,748,394	BOYAmt
EOY	$1,821,567	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,748,394	BOYAmt
EOY	$1,821,567	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$11,825,379	BOYAmt
EOY	$13,617,268	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$11,825,379	BOYAmt
EOY	$13,617,268	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$13,573,773	BOYAmt
EOY	$15,438,835	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$1,484,193	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$307,696	NetUnrlzdGainsLossesInvstAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Total Rev Etc Audited Fincl Stmt	$20,495,301	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	$307,696	NetUnrealizedGainsInvstAmt
Revenue Not Reported	$307,696	RevenueNotReportedAmt
Revenue Subtotal	$20,187,605	RevenueSubtotalAmt
Total Revenue Per Form990	$20,187,605	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$18,703,412	TotExpnsEtcAuditedFinclStmtAmt
Expenses Subtotal	$18,703,412	ExpensesSubtotalAmt
Total Expenses Per Form990	$18,703,412	TotalExpensesPerForm990Amt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (5 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990	PLAN WEBSITE: WWW.OHIOBANKERSLEAGUE.COM/EMPLOYEE-BENEFITS/OHIO-BANKERS- BENEFITS-TRUST
FORM 990, PAGE 6, PART VI, LINE 7A	TRUSTEES ARE ELECTED FROM NOMINEES WHO THEMSELVES ARE CEO'S OF EMPLOYER PARTICIPANTS IN THE OHIO BANKERS BENEFITS TRUST. A TRUSTEE WHOSE TERM HAS EXPIRED MAY BE NOMINATED FOR ELECTION TO A SUBSEQUENT SIX-YEAR TERM.
FORM 990, PAGE 6, PART VI, LINE 11B	THE 990 IS REVIEWED BY JEFFREY QUAYLE, SENIOR VICE-PRESIDENT AND GENERAL COUNSEL OF THE OHIO BANKERS LEAGUE AND MANAGING DIRECTOR OF THE OHIO BANKERS BENEFITS TRUST, WHO THEN REPORTS TO THE TRUSTEES. AFTER ALL THE TRUSTEES UNDERSTAND THE 990 AND BELIEVE IT TO BE CORRECT, MR. QUAYLE RETURNS THE SIGNED SIGNATURE PAGE TO THE TAX PREPARER WHO THEN ELECTRONCIALLY FILES THE 990 RETURN. CONFIRMATION OF IRS ACCEPTANCE IS FORWARDED TO MR. QUAYLE.
FORM 990, PAGE 6, PART VI, LINE 12C	EACH TRUSTEE AT THE BEGINNING OF EACH YEAR MUST REPORT WHETHER HE/SHE HAS ANY INTEREST IN ANY PARTY DOING BUSINESS WITH THE TRUST. IN ADDITION AT LEAST ANNUALLY AS PART OF COMPLIANCE OVERVIEW, TRUSTEES RECEIVE INFORMATION AND EDUCATION ON FIDUCIARY RESPONSIBILITIES, INCLUDING WHAT CONSTITUTES CONFLICTS OF INTEREST. UNDER OUR POLICY TRUSTEES HAVE CONTINUING OBLIGATION TO REPORT ANY CHANGES IN CIRCUMSTANCES THAT MAY RESULT IN A CONFLICT.
FORM 990, PAGE 6, PART VI, LINE 19	ALL DOCUMENTS ARE AVAILABLE UPON REQUEST BY ANY PARTICIPATING BANK OR INDIVIDUAL PLAN PARTICIPANT. NOTICES ARE SENT TO INTERESTED PARTIES WHEN THE ANNUAL REPORTS ARE COMPLETE.