STRATEGY STUDIO / PUBLIC DATA EXPLORER

OASIS MIDDLE SCHOOL INC: Form 990, tax year 2012

View the entire original 990 at ProPublica ↗

Organization
OASIS MIDDLE SCHOOL INC (EIN 20-5148564)
Tax period
2012-07-01 to 2013-06-30
Filed
2014-04-07
IRS object ID
201420979349300002
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)
Timestamp2014-04-07T09:15:36-05:00Timestamp
Tax Period End Date2013-06-30TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

FieldValueIRS element (for citing)
Business Name Line1MCCRADY HESS PLLCBusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

FieldValueIRS element (for citing)
Address Line12600 LAKE LUCIEN DR STE 405AddressLine1
CityMAITLANDCity
StateFLState
ZIP Code327517232ZIPCode
FieldValueIRS element (for citing)
Return Type990ReturnType
Tax Period Begin Date2012-07-01TaxPeriodBeginDate

Filer Filer

FieldValueIRS element (for citing)
EIN205148564EIN

Name Name

FieldValueIRS element (for citing)
Business Name Line1OASIS MIDDLE SCHOOL INCBusinessNameLine1
FieldValueIRS element (for citing)
Name ControlOASINameControl
Phone9417491979Phone

US Address USAddress

FieldValueIRS element (for citing)
Address Line14306 32ND STREET WESTAddressLine1
CityBRADENTONCity
StateFLState
ZIP Code33813ZIPCode

Officer Officer

FieldValueIRS element (for citing)
NameEDNA BAILEYName
TitleDIRECTORTitle
Phone9417491979Phone
Date Signed2014-03-05DateSigned
Authorize Third PartytrueAuthorizeThirdParty

Preparer Preparer

FieldValueIRS element (for citing)
NameSTACY Z MCCRADY CPAName
Phone4074784020Phone
Date Prepared2014-04-07DatePrepared
FieldValueIRS element (for citing)
Tax Year2012TaxYear
Build TS2015-11-30 17:44:51ZBuildTS

Form 990 IRS990

FieldValueIRS element (for citing)
Address ChangeXAddressChange
Name Of Principal Officer PersonMARTIN O'BRIENNameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

FieldValueIRS element (for citing)
Address Line12912 EAST MARK DRIVEAddressLine1
CitySARASOTACity
StateFLState
ZIP Code34232ZIPCode
FieldValueIRS element (for citing)
Gross Receipts647756GrossReceipts
Group Return For AffiliatesfalseGroupReturnForAffiliates
Organization501c3XOrganization501c3
Web SiteOASISMIDDLE.ORGWebSite
Type Of Organization CorporationXTypeOfOrganizationCorporation
Year Formation2006YearFormation
State Legal DomicileFLStateLegalDomicile
Activity Or Mission DescriptionTHE PURPOSE OF THE SCHOOL IS TO PROVIDE AN EXCEPTIONAL MIDDLE SCHOOL EDUCATION TO STUDENTS.ActivityOrMissionDescription
Nbr Voting Members Governing Body3NbrVotingMembersGoverningBody
Nbr Independent Voting Members3NbrIndependentVotingMembers
Total Nbr Employees20TotalNbrEmployees
Total Gross UBI0TotalGrossUBI
Contributions Grants Prior Year83893ContributionsGrantsPriorYear
Contributions Grants Current Year81400ContributionsGrantsCurrentYear
Program Service Revenue Prior Year556681ProgramServiceRevenuePriorYear
Program Service Revenue CY561441ProgramServiceRevenueCY
Investment Income Current Year0InvestmentIncomeCurrentYear
Other Revenue Prior Year32362OtherRevenuePriorYear
Other Revenue Current Year4915OtherRevenueCurrentYear
Total Revenue Prior Year672936TotalRevenuePriorYear
Total Revenue Current Year647756TotalRevenueCurrentYear
Grants And Similar Amnts CY0GrantsAndSimilarAmntsCY
Benefits Paid To Members CY0BenefitsPaidToMembersCY
Salaries Etc Prior Year350685SalariesEtcPriorYear
Salaries Etc Current Year393673SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY0TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year0TotalFundrsngExpCurrentYear
Other Expense Prior Year274686OtherExpensePriorYear
Other Expenses Current Year251737OtherExpensesCurrentYear
Total Expenses Prior Year625371TotalExpensesPriorYear
Total Expenses Current Year645410TotalExpensesCurrentYear
Revenues Less Expenses Prior Year47565RevenuesLessExpensesPriorYear
Revenues Less Expenses CY2346RevenuesLessExpensesCY
Total Assets BOY141429TotalAssetsBOY
Total Assets EOY157195TotalAssetsEOY
Total Liabilities BOY76136TotalLiabilitiesBOY
Total Liabilities EOY89556TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY65293NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY67639NetAssetsOrFundBalancesEOY
Mission DescriptionTHE PURPOSE OF THE SCHOOL IS TO PROVIDE AN EXCEPTIONAL MIDDLE SCHOOL EDUCATION TO STUDENTS.MissionDescription
Significant New Program ServicesfalseSignificantNewProgramServices
Significant ChangefalseSignificantChange
Expense571025Expense
Revenue566356Revenue
DescriptionTO PROVIDE AN EXCEPTIONAL MIDDLE SCHOOL EDUCATION TO STUDENTS.Description
Total Program Service Expense571025TotalProgramServiceExpense
Described In501 C3trueDescribedIn501C3
Schedule B RequiredfalseScheduleBRequired
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 LiabilitiesfalseReportOtherLiabilities
Report Fin48 FootnotetrueReportFin48Footnote
Independent Audit Financial StmttrueIndependentAuditFinancialStmt
Consolidated Audit Financial StmtfalseConsolidatedAuditFinancialStmt
SchooltrueSchool
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
Compliance With Backup WitholdingfalseComplianceWithBackupWitholding
Number Of Employees20NumberOfEmployees
Employment Tax Returns FiledtrueEmploymentTaxReturnsFiled
Unrelated Business IncomefalseUnrelatedBusinessIncome
Foreign Financial AccountfalseForeignFinancialAccount
Prohibited Tax Shelter TransfalseProhibitedTaxShelterTrans
Taxable Party NotificationfalseTaxablePartyNotification
Non Deductible ContributionsfalseNonDeductibleContributions
Quid Pro Quo ContributionsfalseQuidProQuoContributions
Form8282 Property Disposed OffalseForm8282PropertyDisposedOf
Funds To Pay PremiumsfalseFundsToPayPremiums
Premiums PaidfalsePremiumsPaid
Form8899 FiledfalseForm8899Filed
Form1098 C FiledfalseForm1098CFiled
Indoor Tanning ServicesfalseIndoorTanningServices
Info In Schedule O Part VIXInfoInScheduleOPartVI
Nbr Voting Governing Body Members3NbrVotingGoverningBodyMembers
Number Independent Voting Members3NumberIndependentVotingMembers
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 PolicytrueConflictOfInterestPolicy
Annual Disclosure Covered PersonstrueAnnualDisclosureCoveredPersons
Regular Monitoring EnforcementtrueRegularMonitoringEnforcement
Whistleblower PolicytrueWhistleblowerPolicy
Document Retention PolicytrueDocumentRetentionPolicy
Compensation Process CEOtrueCompensationProcessCEO
Compensation Process OthertrueCompensationProcessOther
Investment In Joint VenturefalseInvestmentInJointVenture
Upon RequestXUponRequest

The Books Are In Care Of TheBooksAreInCareOf

FieldValueIRS element (for citing)
Name PersonEDNA BAILEYNamePerson
Telephone Number9417491979TelephoneNumber

Address US AddressUS

FieldValueIRS element (for citing)
Address Line14306 32ND STREET WESTAddressLine1
CityBRADENTONCity
StateFLState
ZIP Code33813ZIPCode
FieldValueIRS element (for citing)
No Listed Persons CompensatedXNoListedPersonsCompensated

Form990 Part VII Section A Form990PartVIISectionA (3 entries)

TitleTitleAverage Hours Per WeekAverageHoursPerWeekIndividual Trustee Or DirectorIndividualTrusteeOrDirectorReportable Comp From OrganizationReportableCompFromOrganizationReportable Comp From Related OrgsReportableCompFromRelatedOrgsOther CompensationOtherCompensation
MARTIN 0'BRIEN
BOARD MEMBER0.50X000
CHARLES WILLIAMS
BOARD MEMBER0.50X000
GLORIA MITCHELL
BOARD MEMBER0.50X000
FieldValueIRS element (for citing)
Formers ListedfalseFormersListed
Total Comp GT150 KfalseTotalCompGT150K
Compensation From Other SourcesfalseCompensationFromOtherSources
Government Grants81400GovernmentGrants
Total Contributions81400TotalContributions

Program Service Revenue ProgramServiceRevenue

FieldValueIRS element (for citing)
DescriptionPROGRAM SERVICE FEESDescription
Total Revenue Column561441TotalRevenueColumn
Related Or Exempt Function Income561441RelatedOrExemptFunctionIncome
FieldValueIRS element (for citing)
Total Program Service Revenue561441TotalProgramServiceRevenue

Other Revenue Misc OtherRevenueMisc (3 entries)

DescriptionDescriptionBusiness CodeBusinessCodeTotal Revenue ColumnTotalRevenueColumnRelated Or Exempt Function IncomeRelatedOrExemptFunctionIncome
MATERIAL FEES61160037053705
STUDENT LUNCHES61160011511151
OTHER MISCELLANEOUS REVENUE6116003737

Miscellaneous Revenue MiscellaneousRevenue

FieldValueIRS element (for citing)
Total Revenue Column22TotalRevenueColumn
Related Or Exempt Function Income22RelatedOrExemptFunctionIncome
FieldValueIRS element (for citing)
Total Other Revenue4915TotalOtherRevenue

Total Revenue TotalRevenue

FieldValueIRS element (for citing)
Total Revenue Column647756TotalRevenueColumn
Related Or Exempt Function Income566356RelatedOrExemptFunctionIncome

Other Salaries And Wages OtherSalariesAndWages

FieldValueIRS element (for citing)
Total359884Total
Program Services338822ProgramServices
Management And General21062ManagementAndGeneral

Payroll Taxes PayrollTaxes

FieldValueIRS element (for citing)
Total33789Total
Program Services31108ProgramServices
Management And General2681ManagementAndGeneral

Fees For Services Management FeesForServicesManagement

FieldValueIRS element (for citing)
Total26714Total
Program Services26714ProgramServices

Fees For Services Accounting FeesForServicesAccounting

FieldValueIRS element (for citing)
Total28434Total
Program Services22747ProgramServices
Management And General5687ManagementAndGeneral

Occupancy Occupancy

FieldValueIRS element (for citing)
Total102861Total
Program Services82288ProgramServices
Management And General20573ManagementAndGeneral

Travel Travel

FieldValueIRS element (for citing)
Total663Total
Program Services32ProgramServices
Management And General631ManagementAndGeneral

Interest Interest

FieldValueIRS element (for citing)
Total3485Total
Program Services3485ProgramServices

Depreciation Depletion DepreciationDepletion

FieldValueIRS element (for citing)
Total15292Total
Program Services10831ProgramServices
Management And General4461ManagementAndGeneral

Insurance Insurance

FieldValueIRS element (for citing)
Total8958Total
Program Services5235ProgramServices
Management And General3723ManagementAndGeneral

Other Expenses OtherExpenses (4 entries)

DescriptionDescriptionTotalTotalProgram ServicesProgramServicesManagement And GeneralManagementAndGeneral
PURCHASED SERVICES323142197410340
SUPPLIES1209476804414
TRANSPORTATION1025210252
TRAINING53355335

All Other Expenses AllOtherExpenses

FieldValueIRS element (for citing)
Total5335Total
Program Services4522ProgramServices
Management And General813ManagementAndGeneral

Total Functional Expenses TotalFunctionalExpenses

FieldValueIRS element (for citing)
Total645410Total
Program Services571025ProgramServices
Management And General74385ManagementAndGeneral
Fundraising0Fundraising

Cash Non Interest Bearing CashNonInterestBearing

FieldValueIRS element (for citing)
BOY38922BOY
EOY29398EOY

Accounts Receivable AccountsReceivable

FieldValueIRS element (for citing)
BOY5461BOY
EOY46002EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

FieldValueIRS element (for citing)
BOY530BOY
EOY572EOY
FieldValueIRS element (for citing)
Land Buildings Equipment Basis127595LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec46372LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

FieldValueIRS element (for citing)
BOY96516BOY
EOY81223EOY

Total Assets TotalAssets

FieldValueIRS element (for citing)
BOY141429BOY
EOY157195EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

FieldValueIRS element (for citing)
BOY8845BOY
EOY36979EOY

Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp

FieldValueIRS element (for citing)
BOY67291BOY
EOY52577EOY

Total Liabilities TotalLiabilities

FieldValueIRS element (for citing)
BOY76136BOY
EOY89556EOY
FieldValueIRS element (for citing)
Do Not Follow SFAS117XDoNotFollowSFAS117

Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund

FieldValueIRS element (for citing)
BOY29225BOY
EOY28646EOY

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

FieldValueIRS element (for citing)
BOY36068BOY
EOY38993EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

FieldValueIRS element (for citing)
BOY65293BOY
EOY67639EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

FieldValueIRS element (for citing)
BOY141429BOY
EOY157195EOY
FieldValueIRS element (for citing)
Reconcilation Revenue Expenses2346ReconcilationRevenueExpenses
Method Of Accounting AccrualXMethodOfAccountingAccrual
Accountant Compile Or ReviewfalseAccountantCompileOrReview
FS AuditedtrueFSAudited

FS Audited Basis FSAuditedBasis

FieldValueIRS element (for citing)
Financial Statement SeparateXFinancialStatementSeparate
FieldValueIRS element (for citing)
Audit CommitteetrueAuditCommittee
Federal Grant Audit RequiredfalseFederalGrantAuditRequired

Schedule A IRS990ScheduleA

FieldValueIRS element (for citing)
School170b1 AiiXSchool170b1Aii

Schedule D IRS990ScheduleD

Equipment Equipment

FieldValueIRS element (for citing)
Other Cost Or Other Basis39936OtherCostOrOtherBasis
Depreciation35415Depreciation
Book Value4521BookValue

Other Land Buildings OtherLandBuildings

FieldValueIRS element (for citing)
Other Cost Or Other Basis87659OtherCostOrOtherBasis
Depreciation10957Depreciation
Book Value76702BookValue
FieldValueIRS element (for citing)
Total Of Book Value Land Buildings81223TotalOfBookValueLandBuildings
Tot Revenue Etc Audited Fincl Stmt647756TotRevenueEtcAuditedFinclStmt
Revenue Subtotal647756RevenueSubtotal
Total Revenue Per Form990647756TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt645410TotExpensesEtcAuditedFinclStmt
Expenses Subtotal645410ExpensesSubtotal
Total Expenses Per Form990645410TotalExpensesPerForm990

Form990 Schedule D Part XIII Form990ScheduleDPartXIII

FieldValueIRS element (for citing)
IdentifierLIABILITY UNDER FIN 48 FOOTNOTEIdentifier
Return ReferenceSCHEDULE D, PAGE 3, PART XReturnReference
ExplanationTHE SCHOOL QUALIFIES AS A TAX-EXEMPT ORGANIZATION UNDER INTERNAL REVENUE CODE SECTION 501(C)(3), AND IS THEREFORE, EXEMPT FROM INCOME TAXES. ACCORDINGLY, NO TAX PROVISION HAS BEEN MADE IN THE ACCOMPANYING FINANCIAL STATEMENTS. ADDITIONALLY, NO UNCERTAIN TAX POSITIONS HAVE BEEN MADE REQUIRING DISCLOSURE IN THE RELATED NOTES TO THE FINANCIAL STATEMENTS. THE SCHOOLS INCOME TAX RETURNS FOR THE PAST TAX YEARS 2010 - 2012 ARE SUBJECT TO EXAMINATION BY TAX AUTHORITIES, AND MAY CHANGE UPON EXAMINATION.Explanation

Schedule E IRS990ScheduleE

FieldValueIRS element (for citing)
Nondiscriminatory Policy StmttrueNondiscriminatoryPolicyStmt
Policy Statement In Brochures EtctruePolicyStatementInBrochuresEtc
Policy Publ Via Broadcast MediatruePolicyPublViaBroadcastMedia
Maint Racial Composition RecordstrueMaintRacialCompositionRecords
Maint Scholarships RecordstrueMaintScholarshipsRecords
Maint Copies Of Brochures EtctrueMaintCopiesOfBrochuresEtc
Maint Copies Of All SolicitationstrueMaintCopiesOfAllSolicitations
Discriminate Race Students RightsfalseDiscriminateRaceStudentsRights
Discriminate Race Admiss PoliciesfalseDiscriminateRaceAdmissPolicies
Discriminate Race Emplmn FacultyfalseDiscriminateRaceEmplmnFaculty
Discriminate Race ScholarshipsfalseDiscriminateRaceScholarships
Discriminate Race Educ PoliciesfalseDiscriminateRaceEducPolicies
Discriminate Race Use Of FcltsfalseDiscriminateRaceUseOfFclts
Discriminate Race Athletic ProgfalseDiscriminateRaceAthleticProg
Discriminate Race Other ActyfalseDiscriminateRaceOtherActy
Government Financial Aid ReceivedtrueGovernmentFinancialAidReceived
Government Financial Aid RevokedfalseGovernmentFinancialAidRevoked
Compliance With Rev Proc7550trueComplianceWithRevProc7550

Form990 Schedule E Part II Form990ScheduleEPartII (2 entries)

IdentifierIdentifierReturn ReferenceReturnReferenceExplanationExplanation
PUBLICATION OF NONDISCRIMINATORY POLICY IN MEDIA EXPLANATIONSCHEDULE E LINE 3THE ORGANIZATION PUBLICIZES ITS RACIALLY NONDISCRIMATORY POLICY THROUGH BROCHURES NEWSPAPERS LOCAL NEIGHBORHOOD EVENTS NEWSPAPERSOPEN HOUSES AND VIDEOS
FINANCIAL AID OR GOVERNMENT ASSISTANCE EXPLANATIONSCHEDULE E LINE 6REVENUES ARE RECEIVED FROM THE FLORIDA DEPARTMENT OF EDUCATION UNDER THE FLORIDA EDUCATION FINANCE PROGRAM THE AMOUNT RECEIVED IS BASED UPON THE NUMBER OF WEIGHTED FULLTIME EQUIVALENT STUDENTS REPORTED BY THE SCHOOL DURING THE SURVEY PERIOD

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (5 entries)

IdentifierIdentifierReturn ReferenceReturnReferenceExplanationExplanation
ORGANIZATION'S PROCESS USED TO REVIEW FORM 990FORM 990, PAGE 6, PART VI, LINE 11BA COPY OF THE FORM 990 IS GIVEN TO THE EXECUTIVE DIRECTOR AND THE BOARD FOR REVIEW THE PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE.
ENFORCEMENT OF CONFLICTS POLICYFORM 990, PAGE 6, PART VI, LINE 12CCONFLICTS OF INTEREST THAT ARISE ARE REPORTED IN THE ANNUAL ACCOUNTABILITY REPORT TO THE DEPARTMENT OF EDUCATION.
COMPENSATION PROCESS FOR TOP OFFICIALFORM 990, PAGE 6, PART VI, LINE 15ATHE BOARD APPROVES SALARIES FOR DIRECTORS, TOP MANAGEMENT AND KEY EMPLOYEES.
COMPENSATION PROCESS FOR OFFICERSFORM 990, PAGE 6, PART VI, LINE 15BTHE BOARD APPROVES SALARIES FOR DIRECTORS, OFFICERS AND KEY EMPLOYEES.
GOVERNING DOCUMENTS DISCLOSURE EXPLANATIONFORM 990, PAGE 6, PART VI, LINE 19ALL GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICIES, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.