Civic Intelligence

Holomua Collective

EIN 88-1931228 • 501(c)3 • Honolulu, HI

Profile

Make hawaii more affordable for all working families so we can achieve our vision of a diverse and sustainable hawaii economy, an abundance of quality job opportunities, and a future where all working families living in hawaii can thrive

827 Fort Street Mall Second FloorHonolulu, HI 96813

www.holomuacollective.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

43rd percentile

0.04x

Higher debt load relative to assets than 43% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

44th percentile

0.05x

Higher debt load relative to revenue than 44% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

91st percentile

57%

Higher net margin than 91% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

98th percentile

220%

Faster asset growth than 98% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2024

Revenue Growth

93rd percentile

108%

Faster revenue growth than 93% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2024

Assets

Up

$2,355,494

Up $999,471 (+74%) from 2023

Liabilities

Up

$88,006

Up $19,573 (+29%) from 2023

Net Assets

Up

$2,267,488

Up $979,898 (+76%) from 2023

Revenue

Down

$1,722,693

Down $157,438 (-8.4%) from 2023

Expenses

Down

$742,795

Down $69,936 (-8.6%) from 2023

Net Income

Down

$979,898

Down $87,502 (-8.2%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$3.0M$2.0M$1.0M$0Assets 2022: $230,081Liabilities 2022: $9,999Net Assets 2022: $220,0822022Assets 2023: $1,356,023Liabilities 2023: $68,433Net Assets 2023: $1,287,5902023Assets 2024: $2,355,494Liabilities 2024: $88,006Net Assets 2024: $2,267,4882024

Highlighted filing

2024

Assets$2,355,494
Liabilities$88,006
Net Assets$2,267,488

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0Revenue 2022: $399,255Expenses 2022: $179,173Net Income 2022: $220,0822022Revenue 2023: $1,880,131Expenses 2023: $812,731Net Income 2023: $1,067,4002023Revenue 2024: $1,722,693Expenses 2024: $742,795Net Income 2024: $979,8982024

Highlighted filing

2024

Revenue$1,722,693
Expenses$742,795
Net Income$979,898

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 15, 2025
Return Version
2024v5.0
Gross Receipts
$1,722,693
Mission and Program Overview

Mission

Make hawaii more affordable for all working families so we can achieve our vision of a diverse and sustainable hawaii economy, an abundance of quality job opportunities, and a future where all working families living in hawaii can thrive

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$549,906$2,064,819▲ $1,514,913
Cash and Non-Interest-Bearing Accounts$724,703$206,423▼ $518,280
Other Notes and Loans Receivable, Net$40,689$56,627▲ $15,938
Land, Buildings, and Equipment, Net$36,538$27,625▼ $8,913
Prepaid Expenses and Deferred Charges$4,187--
Total Assets$1,356,023$2,355,494▲ $999,471
Liabilities
Grants Payable-$80,000-
Accounts Payable and Accrued Expenses-$5,382-
Other Liabilities$68,433$2,624▼ $65,809
Total Liabilities$68,433$88,006▲ $19,573
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$737,590$1,717,488▲ $979,898
Net Assets With Donor Restrictions$550,000$550,000→ $0
Total Net Assets Fund Balance$1,287,590$2,267,488▲ $979,898
Total Liabilities and Net Assets / Fund Balance$1,356,023$2,355,494▲ $999,471

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$23,553$15,702$39,255
Equipment$4,072$1,239$5,311
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Joshua WischPresidentPT$195,000$195,000
Tracy ErkerOperations DFT$135,000$135,000

Board Members and Trustees

NameTitle
Michael B PietschChair and Tr
Brad NicolaiDirector
Brandon KurisuDirector
Melialani JamesDirector
Micah KaneDirector
Michael MohrDirector
Sunshine ToppingDirector
Jason FujimotoSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$1,666,258
Program Service Revenue
$0
Investment Income
$56,435
Other Revenue
$0
All Other Contributions
$1,666,258
Change in Net Assets
$979,898
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$400,344
Other Expenses$211,476
Grants and Similar Amounts Paid$130,975
Total Fundraising Expense$51,267
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$114,075$61,425$19,500$195,000
Other Salaries and Wages$89,265$48,066$15,259$152,590
Grants to Domestic Orgs$130,975--$130,975
Fees for Services Other$52,040$52,718$3,356$108,114
Occupancy$18,389$9,902$3,143$31,434
Payroll Taxes$16,798$9,045$2,872$28,715
Other Employee Benefits$14,063$7,572$2,404$24,039
Office Expenses$6,737$3,515$1,417$11,669
Insurance$6,742$3,630$1,152$11,524
Depreciation Depletion$5,214$2,808$891$8,913
Travel$6,911$658$209$7,778
Conferences and Meetings$4,329$1,673$667$6,669
Fees for Services Accounting-$5,382-$5,382
Fees for Services Legal$2,311$1,244$395$3,950
Other Expenses$705--$705
Interest$14$8$2$24
Total Functional Expenses$483,882$207,646$51,267$742,795
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Holomua CollaborativeHonolulu, HI501c4Support Npo Mission$80,000
Hawaii Community Lending IncHilo, HI501c3Home Program$50,000
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
Yes
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Credit Card Payable$2,624
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

A draft of the 990 return is provided to the board of directors for review prior to filing.

Form 990, Page 6, Part VI, Line 12C

Conflict of interest policy is conducted annually by interviews with officers.

Form 990, Page 6, Part VI, Line 15A

Board sets and approves salary based on studies.

Form 990, Page 6, Part VI, Line 19

The organization's documents are available for public inspection upon request.

Filing and Contact Details

Filer

Filer Name
Holomua Collective
EIN
88-1931228
Phone
8087442707
Address
827 FORT STREET MALL SECOND FLOOR, HONOLULU, HI 96813

Signing Officer

Name
Joshua Wisch
Title
President
Phone
8087442707
Signed
2025-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joshua Wisch
Formed
2022
Legal Domicile
Hi
Voting Board Members
8
Independent Board Members
7
Employees
6
Volunteers
12

Preparer

Firm
Wikoff Combs & Co LLC
Address
1001 BISHOP STREET SUITE 2760, HONOLULU, HI 96813-3486
Preparer
Catha Lee Combs
Phone
8087911414
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

Make hawaii more affordable for all working families so we can achieve our vision of a diverse and sustainable hawaii economy, an abundance of quality job opportunities, and a future where all working families living in hawaii can thrive

Form 990, Part IX, Line 11G

Payroll processing fees 0 42,147 0 operational support 16,754 9,021 2,864 graphic and design fees 2,573 1,385 440 professional fees 306 165 52 facilitation 12,250 0 0 consulting/professional fees 9,110 0 0 maui graphic design 2,010 0 0 professional fees 9,037 0 0 total 52,040 52,718 3,356

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/PrincipalOfficerNm0JOSHUA WISCH
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgSrvcAccomActy2Grp/Desc0MAUI WILD FIRE RESPONSE: IN RESPONSE TO THE DEVASTATING WILD FIRES ON MAUI IN AUGUST 2023, ATTEMPTED TO PROVIDE TEMPORARY HOUSING OPTIONS FOR PEOPLE AND RESPONDERS IMPACTED BY THE FIRES. ALSO WORKED WITH PARTNERS IN THE PRIVATE AND NONPROFIT SECTORS TO LAUNCH THE LAHAINA HOMEOWNER RECOVERY PROGRAM.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0144703
IRS990/ProgSrvcAccomActy2Grp/GrantAmt050000
IRS990/ProgSrvcAccomActy3Grp/Desc0USE DATA TO SHOW THE CURRENT STATE OF WORKING FAMILIES IN HAWAII, EXPOSE TRENDS OVER TIME, AND DIAGNOSE THE SYMPTOMS AND ROOT CAUSES OF OUR PRESSING AFFORDABILITIY CHALLENGES. WORK INCLUDED LAUNCH OF EMPLOYEE AFFORDABILIITY SURVEY PROVIDING NEW DATA ON HOW LOCAL FAMILIES EXPERIENCE HAWAII'S COST OF LIVING. PROVIDE PUBLIC EDUCATION ABOUT HOW GOVERNMENT IN HAWAII IMPACTS EVERYONE'S DAILY LIVES SO THAT WE CAN REDUCE BARRIERS TO INVOLVEMENT AND INCREASE CIVIC ENGAGEMENT.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt079478
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt01664035
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt050000
IRS990/PYInvestmentIncomeAmt06
IRS990/PYOtherExpensesAmt0461872
IRS990/PYProgramServiceRevenueAmt0216090
IRS990/PYRevenuesLessExpensesAmt01067400
IRS990/PYSalariesCompEmpBnftPaidAmt0300859
IRS990/PYTotalExpensesAmt0812731
IRS990/PYTotalRevenueAmt01880131
IRS990/ReconcilationRevenueExpnssAmt0979898
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0549906
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02064819
IRS990ScheduleA/First5Years170Ind0X
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt01666258
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt01664035
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0399255
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt03729548
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt056435
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt06
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt056441
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0216090
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportTotal170Amt01245868
IRS990ScheduleA/SubstantialContributorsTotAmt02483680
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt01666258
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt01664035
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0399255
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt03729548
IRS990ScheduleA/TotalSupportAmt03785989
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleC/AvgGrassrootsLobbyingExpendGrp/CurrentYearAmt09362
IRS990ScheduleC/AvgGrassrootsLobbyingExpendGrp/TotalAmt09362
IRS990ScheduleC/AvgGrassrootsNontaxableGrp/CurrentYearAmt026318
IRS990ScheduleC/AvgGrassrootsNontaxableGrp/CurrentYearMinus1Amt032503
IRS990ScheduleC/AvgGrassrootsNontaxableGrp/TotalAmt058821
IRS990ScheduleC/AvgLobbyingNontaxableAmountGrp/CurrentYearAmt0105272
IRS990ScheduleC/AvgLobbyingNontaxableAmountGrp/CurrentYearMinus1Amt0130013
IRS990ScheduleC/AvgLobbyingNontaxableAmountGrp/TotalAmt0235285
IRS990ScheduleC/AvgTotalLobbyingExpendGrp/CurrentYearAmt059572
IRS990ScheduleC/AvgTotalLobbyingExpendGrp/CurrentYearMinus1Amt016009
IRS990ScheduleC/AvgTotalLobbyingExpendGrp/TotalAmt075581
IRS990ScheduleC/GrassrootsCeilingAmt088232
IRS990ScheduleC/GrassrootsNontaxableGrp/FilingOrganizationsTotalAmt026318
IRS990ScheduleC/LobbyingCeilingAmt0352928
IRS990ScheduleC/LobbyingNontaxableAmountGrp/FilingOrganizationsTotalAmt0105272
IRS990ScheduleC/OtherExemptPurposeExpendGrp/FilingOrganizationsTotalAmt0475577
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0LOBBYING ACTIVITIES COMMENCED IN 2023.
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt1SCHEDULE C, PART II-A, LINE 2A(C) & 2D(C): REVISED LOBBYING NONTAXABLE AMOUNT (LINE 2A) AND GRASSROOTS NONTAXABLE AMOUNT (LINE 2D) FOR 2023 AS OTHER EXEMPT PURPOSE EXPENDITURES WERE INADVERTENTLY OMMITTED FROM THE ORGANIZATION'S SCHEDULE C FOR 2023.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE C, PART II-A
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE C, PART IV
IRS990ScheduleC/TotalDirectLobbyingGrp/FilingOrganizationsTotalAmt050210
IRS990ScheduleC/TotalExemptPurposeExpendGrp/FilingOrganizationsTotalAmt0535149
IRS990ScheduleC/TotalGrassrootsLobbyingGrp/FilingOrganizationsTotalAmt09362
IRS990ScheduleC/TotalLobbyingExpendGrp/FilingOrganizationsTotalAmt059572
IRS990ScheduleD/EquipmentGrp/BookValueAmt04072
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01239
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05311
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt023553
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt015702
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt039255
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02624
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CREDIT CARD PAYABLE
IRS990ScheduleD/TotalBookValueLandBuildingsAmt027625
IRS990ScheduleD/TotalLiabilityAmt02624
IRS990ScheduleI/GrantRecordsMaintainedInd0true
IRS990ScheduleI/RecipientTable/CashGrantAmt080000
IRS990ScheduleI/RecipientTable/CashGrantAmt150000
IRS990ScheduleI/RecipientTable/IRCSectionDesc0501C4
IRS990ScheduleI/RecipientTable/IRCSectionDesc1501C3
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0SUPPORT NPO MISSION
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt1HOME PROGRAM
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0HOLOMUA COLLABORATIVE
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt1HAWAII COMMUNITY LENDING INC
IRS990ScheduleI/RecipientTable/RecipientEIN0881955776
IRS990ScheduleI/RecipientTable/RecipientEIN1473100005
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt0827 FORT STREET MALL SECOND FLOOR
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt11315 KALANIANAOLE AVENUE
IRS990ScheduleI/RecipientTable/USAddress/CityNm0HONOLULU
IRS990ScheduleI/RecipientTable/USAddress/CityNm1HILO
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd0HI
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd1HI
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd096813
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd196720
IRS990ScheduleI/Total501c3OrgCnt01
IRS990ScheduleI/TotalOtherOrgCnt01
IRS990ScheduleJ/AnyNonFixedPaymentsInd0false
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0195000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOSHUA WISCH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0195000
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MAKE HAWAII MORE AFFORDABLE FOR ALL WORKING FAMILIES SO WE CAN ACHIEVE OUR VISION OF A DIVERSE AND SUSTAINABLE HAWAII ECONOMY, AN ABUNDANCE OF QUALITY JOB OPPORTUNITIES, AND A FUTURE WHERE ALL WORKING FAMILIES LIVING IN HAWAII CAN THRIVE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A DRAFT OF THE 990 RETURN IS PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CONFLICT OF INTEREST POLICY IS CONDUCTED ANNUALLY BY INTERVIEWS WITH OFFICERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD SETS AND APPROVES SALARY BASED ON STUDIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION'S DOCUMENTS ARE AVAILABLE FOR PUBLIC INSPECTION UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PAYROLL PROCESSING FEES 0 42,147 0 OPERATIONAL SUPPORT 16,754 9,021 2,864 GRAPHIC AND DESIGN FEES 2,573 1,385 440 PROFESSIONAL FEES 306 165 52 FACILITATION 12,250 0 0 CONSULTING/PROFESSIONAL FEES 9,110 0 0 MAUI GRAPHIC DESIGN 2,010 0 0 PROFESSIONAL FEES 9,037 0 0 TOTAL 52,040 52,718 3,356
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19

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