ROTARY CLUB CHARITIES OF ESSEX VERMONT INC: Form 990EZ, tax year 2014
View the entire original 990 at ProPublica ↗
- Organization
- ROTARY CLUB CHARITIES OF ESSEX VERMONT INC (EIN 03-0348126)
- Tax period
- 2014-07-01 to 2015-06-30
- Filed
- 2016-06-30
- IRS object ID
- 201631829349200013
- Schema version
- 2014v6.0
- 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 ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2016-06-30T12:19:14-05:00 | ReturnTs |
| Tax Period End | 2015-06-30 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 030210880 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | AM PEISCH & COMPANY LLP | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 401 WATER TOWER CIRCLE STE 302 | AddressLine1Txt |
| City | COLCHESTER | CityNm |
| State Abbreviation | VT | StateAbbreviationCd |
| ZIP | 054461914 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990EZ | ReturnTypeCd |
| Tax Period Begin | 2014-07-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 030348126 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | ROTARY CLUB CHARITIES OF ESSEX VERMONT INC | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | ROTA | BusinessNameControlTxt |
| Phone | 4078102523 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 8466 | AddressLine1Txt |
| City | ESSEX | CityNm |
| State Abbreviation | VT | StateAbbreviationCd |
| ZIP | 05452 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | STEPHEN UNSWORTH | PersonNm |
| Person Title | PRESIDENT | PersonTitleTxt |
| Phone | 4078102523 | PhoneNum |
| Signature | 2016-06-15 | SignatureDt |
| Discuss With Paid Preparer | Yes (1) | DiscussWithPaidPreparerInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | GLEN A BOLSTER CPA | PreparerPersonNm |
| PTIN | P00053481 | PTIN |
| Phone | 8026547255 | PhoneNum |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2014 | TaxYr |
| Build TS | 2016-09-27 15:27:22Z | BuildTS |
Form 990-EZ IRS990EZ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Method Of Accounting Cash | Yes (X) | MethodOfAccountingCashInd |
| Schedule B Not Required | Yes (X) | ScheduleBNotRequiredInd |
| Website Address | WWW.ESSEXROTARTY.ORG | WebsiteAddressTxt |
| Organization501c3 | Yes (X) | Organization501c3Ind |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Gross Receipts | $54,613 | GrossReceiptsAmt |
| Info In Schedule O Part I | Yes (X) | InfoInScheduleOPartIInd |
| Contributions Gifts Grants Etc | $5,868 | ContributionsGiftsGrantsEtcAmt |
| Program Service Revenue | $1,345 | ProgramServiceRevenueAmt |
| Investment Income | $133 | InvestmentIncomeAmt |
| Fundraising Gross Income | $47,267 | FundraisingGrossIncomeAmt |
| Special Events Direct Expenses | $12,300 | SpecialEventsDirectExpensesAmt |
| Special Events Net Income Loss | $34,967 | SpecialEventsNetIncomeLossAmt |
| Total Revenue | $42,313 | TotalRevenueAmt |
| Grants And Similar Amounts Paid | $8,000 | GrantsAndSimilarAmountsPaidAmt |
| Occupancy Rent Utlts And Maint | $147 | OccupancyRentUtltsAndMaintAmt |
| Other Expenses Total | $28,702 | OtherExpensesTotalAmt |
| Total Expenses | $36,849 | TotalExpensesAmt |
| Excess Or Deficit For Year | $5,464 | ExcessOrDeficitForYearAmt |
| Net Assets Or Fund Balances BOY | $96,656 | NetAssetsOrFundBalancesBOYAmt |
| Other Changes In Net Assets | $0 | OtherChangesInNetAssetsAmt |
| Net Assets Or Fund Balances EOY | $102,120 | NetAssetsOrFundBalancesEOYAmt |
| Info In Schedule O Part II | Yes (X) | InfoInScheduleOPartIIInd |
Cash Savings And Investments CashSavingsAndInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $95,243 | BOYAmt |
| EOY | $101,019 | EOYAmt |
Other Assets Total Detail OtherAssetsTotalDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,413 | BOYAmt |
| EOY | $1,101 | EOYAmt |
Form990 Total Assets Form990TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $96,656 | BOYAmt |
| EOY | $102,120 | EOYAmt |
Sum Of Total Liabilities SumOfTotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Net Assets Or Fund Balances NetAssetsOrFundBalancesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $96,656 | BOYAmt |
| EOY | $102,120 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part III | Yes (X) | InfoInScheduleOPartIIIInd |
| Primary Exempt Purpose | THE PURPOSE OF THE ORGANIZATION IS TO PROMOTE, ORGANIZE AND OPERATE FUND RAISING EVENTS FOR EDUCATIONAL, CHARITABLE AND RECREATIONAL PURPOSES AND TO THAT END TO PROVIDE FUNDING AT THE DISCRETION OF THE BOARD OF DIRECTORS FOR EDUCATIONAL, CHARITABLE AND RECREATIONAL PURPOSES. | PrimaryExemptPurposeTxt |
Program Srvc Accomplishment ProgramSrvcAccomplishmentGrp (7 entries)
| Description Program Srvc AccomDescriptionProgramSrvcAccomTxt | Grants And AllocationsGrantsAndAllocationsAmt | Program Service ExpensesProgramServiceExpensesAmt |
|---|---|---|
| SCHOLARSHIP: TO PROVIDE SCHOLARSHIPS TO OUR LOCAL HIGH SCHOOL STUDENTS | $8,000 | $8,360 |
| NATIONAL PROJECTS: FOCUS AND INCREASE HUMANITARIAN SERVICE. ENHANCE PUBLIC IMAGE AND AWARENESS THROUGH THE SUPPORT OF WORTHY PROJECTS THAT RESULT IN THE IMPROVEMENT OF OPERATIONAL CAPABILITIES ON AN INDIVIDUAL/PERSONAL LEVEL AND/OR ON AN ORGANIZATIONAL LEVEL. FOR PROJECTS WITHIN THE US, BUT OUTSIDE OF THE IMMEDIATE LOCAL AREA. | $0 | $5,450 |
| LOCAL: TO SUPPORT OUR LOCAL COMMUNITY WITH A FOCUS ON FOOD BANKS AND HOMELESS FAMILY SUPPORT | $0 | $4,418 |
| INTERNATIONAL: FOCUS AND INCREASE HUMANITARIAN SERVICE. ENHANCE PUBLIC IMAGE AND AWARENESS THROUGH THE SUPPORT OF WORTHY PROJECTS THAT RESULT IN THE IMPROVEMENT OF OPERATIONAL CAPABILITIES ON AN INDIVIDUAL/PERSONAL LEVEL AND/OR ON AN ORGANIZATIONAL LEVEL. FOR PROJECTS OUTSIDE OF THE US. MOSTLY FOCUSED ON PEACE, EDUCATION, CLEAN WATER, SANITATION, AND DISEASE ERADICATION. | $0 | $3,750 |
| LITERACY: PARTNER WITH OTHER COMMITTEES WITHIN ESSEX CLUB, FIND WAYS TO INCLUDE A LITERACY PIECE TO THEIR PROJECTS. ESTABLISH ANNUAL LITERACY PROJECT FOR OUR CLUB'S MEMBERS TO PARTICIPATE WITH. | $0 | $3,700 |
| YOUTH SERVICES: CONNECTING YOUTH WITH OPPORTUNITIES FOR SERVICE AND EMPOWERING THEM TO GET INVOLVED TO ENHANCE YOUTH-ADULT PARTNERSHIPS, CONNECTIONS TO THE COMMUNITY, AND SERVICE ABOVE SELF. | $0 | $3,688 |
| HOLIDAY SENIOR LUNCH: PROVIDED IN COLLABORATION WITH THE KNIGHTS OF COLUMBUS, THE ESSEX ROTARY HAS BEEN PARTICIPATING IN THIS ACTIVITY FOR OVER 25 YEARS. TYPICALLY HELD AT THE CHAMPLAIN EXPOSITION, THIS EVENT SERVES OVER 200 SENIOR CITIZENS FROM THE ESSEX COMMUNITY EACH YEAR IN CELEBRATION OF THE HOLIDAY SEASON. | $0 | $1,750 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Expenses | $31,116 | TotalProgramServiceExpensesAmt |
Officer Director Trustee Empl OfficerDirectorTrusteeEmplGrp (4 entries)
| TitleTitleTxt | Average Hrs Per Wk Devoted To PosAverageHrsPerWkDevotedToPosRt | CompensationCompensationAmt | Employee Benefit ProgramEmployeeBenefitProgramAmt | Expense Account Other AllwncExpenseAccountOtherAllwncAmt |
|---|---|---|---|---|
| PHIL MURDOCK | ||||
| PRESIDENT | 1.00 | $0 | $0 | $0 |
| NANCY FREEZE | ||||
| VICE PRESIDENT | 1.00 | $0 | $0 | $0 |
| JEAN ASHE | ||||
| SECRETARY | 1.00 | $0 | $0 | $0 |
| KRISTIN WINER | ||||
| TREASURER | 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 | 0 | 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 |
Books In Care Of Detail BooksInCareOfDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | KRISTIN WINER | PersonNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 8466 | AddressLine1Txt |
| City | ESSEX | CityNm |
| State Abbreviation | VT | StateAbbreviationCd |
| ZIP | 054518466 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 4078102523 | 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 | $5,015 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $4,300 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $6,530 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $4,167 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $5,868 | CurrentTaxYearAmt |
| Total | $25,880 | TotalAmt |
Gross Receipts Admissions GrossReceiptsAdmissionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $49,744 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $47,426 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $45,157 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $45,354 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $48,612 | CurrentTaxYearAmt |
| Total | $236,293 | TotalAmt |
Total509 Total509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $54,759 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $51,726 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $51,687 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $49,521 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $54,480 | CurrentTaxYearAmt |
| Total | $262,173 | TotalAmt |
Amounts Rcvd Dsqlfy Person AmountsRcvdDsqlfyPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | 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) |
|---|---|---|
| Total | $0 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support Total509 | $262,173 | PublicSupportTotal509Amt |
Gross Investment Income509 GrossInvestmentIncome509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $332 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $324 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $217 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $125 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $133 | CurrentTaxYearAmt |
| Total | $1,131 | TotalAmt |
Investment Income And UBTI InvestmentIncomeAndUBTIGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $332 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $324 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $217 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $125 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $133 | CurrentTaxYearAmt |
| Total | $1,131 | TotalAmt |
Total Support Calendar Year TotalSupportCalendarYearGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $55,091 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $52,050 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $51,904 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $49,646 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $54,613 | CurrentTaxYearAmt |
| Total | $263,304 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support CY509 | 0.99570 | PublicSupportCY509Pct |
| Investment Income CY | 0.00430 | InvestmentIncomeCYPct |
| Thirty Thr Pct Suprt Tests CY509 | Yes (X) | ThirtyThrPctSuprtTestsCY509Ind |
Schedule G IRS990ScheduleG
| Field | Value | IRS element (for citing) |
|---|---|---|
| Special Fundraising Events | Yes (X) | SpecialFundraisingEventsInd |
| Agrmt Prof Fundraising Acty | 0 | AgrmtProfFundraisingActyInd |
Fundraising Event Information FundraisingEventInformationGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Event1 | GOLF TOURNAMENT | Event1Nm |
| Gross Receipts Event1 | $32,718 | GrossReceiptsEvent1Amt |
| Gross Revenue Event1 | $32,718 | GrossRevenueEvent1Amt |
| Other Direct Expenses Event1 | $8,600 | OtherDirectExpensesEvent1Amt |
| Event2 | HOCKEY TOURNAMENT | Event2Nm |
| Gross Receipts Event2 | $7,743 | GrossReceiptsEvent2Amt |
| Gross Revenue Event2 | $7,743 | GrossRevenueEvent2Amt |
| Non Cash Prizes Event2 | $120 | NonCashPrizesEvent2Amt |
| Other Direct Expenses Event2 | $1,677 | OtherDirectExpensesEvent2Amt |
| Other Events Total | 1 | OtherEventsTotalCnt |
| Gross Receipts Other Events | $7,054 | GrossReceiptsOtherEventsAmt |
| Charitable Contri Other Events | $248 | CharitableContriOtherEventsAmt |
| Gross Revenue Other Events | $6,806 | GrossRevenueOtherEventsAmt |
| Rent Fclty Costs Other Events | $550 | RentFcltyCostsOtherEventsAmt |
| Oth Direct Expnss Other Events | $1,500 | OthDirectExpnssOtherEventsAmt |
| Gross Receipts Total | $47,515 | GrossReceiptsTotalAmt |
| Charitable Contributions Tot | $248 | CharitableContributionsTotAmt |
| Gross Revenue Total Events | $47,267 | GrossRevenueTotalEventsAmt |
| Non Cash Prizes Total Events | $120 | NonCashPrizesTotalEventsAmt |
| Rent Fclty Costs Total Events | $550 | RentFcltyCostsTotalEventsAmt |
| Oth Direct Expnss Total Events | $11,777 | OthDirectExpnssTotalEventsAmt |
| Direct Expense Summary Events | $12,447 | DirectExpenseSummaryEventsAmt |
| Net Income Summary | $34,820 | NetIncomeSummaryAmt |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (5 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME | DESCRIPTION: INTEREST INCOME. AMOUNT: 133. |
| FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID | ACTIVITY CLASSIFICATION: SCHOLARSHIPS. GRANTEE NAME: VARIOUS. AMOUNT GIVEN: 8,000. |
| FORM 990-EZ, PART I, LINE 14 | DESCRIPTION: DEPRECIATION. AMOUNT: 147. |
| FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES | DESCRIPTION: BANQUET SERVICES. AMOUNT: 1,750. DESCRIPTION: SITE RENTAL. AMOUNT: 1,065. DESCRIPTION: LUNCHES. AMOUNT: 360. DESCRIPTION: INTERNATIONAL. AMOUNT: 3,750. DESCRIPTION: LITERACY. AMOUNT: 3,700. DESCRIPTION: LOCAL. AMOUNT: 4,418. DESCRIPTION: NATIONAL. AMOUNT: 5,450. DESCRIPTION: YOUTH SERVICES. AMOUNT: 3,688. DESCRIPTION: BOARD DISCRETIONARY. AMOUNT: 1,999. DESCRIPTION: POLIO PLUS. AMOUNT: 1,000. DESCRIPTION: PRESIDENT DISCRETIONARY. AMOUNT: 1,002. DESCRIPTION: CLEAN WATER PROJECT. AMOUNT: 420. DESCRIPTION: OTHER DONATIONS. AMOUNT: 100. TOTAL TO FORM 990-EZ, LINE 16: 28,702. |
| FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS | DESCRIPTION: CORN BOOTH DEPOSIT. BEG. OF YEAR AMOUNT: 165. END OF YEAR AMOUNT: 0. DESCRIPTION: OTHER DEPRECIABLE ASSETS. BEG. OF YEAR AMOUNT: 1,248. END OF YEAR AMOUNT: 1,101. |
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 |