Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on the latest valid filing.
EIN 94-1156596 • 501(c)3 • Renton, WA
Profile
As expressions of god's healing love, witnessed through the ministry of jesus, we are steadfast in serving all, especially those who are poor and vulnerable.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on the latest valid filing.
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on the latest valid filing.
Top Officer Pay
100th percentile
Higher top officer pay than 100% of similar nonprofits.
Asset Growth
Score unavailable
A valid growth rate could not be computed from the available filing history.
Revenue Growth
3rd percentile
Faster revenue growth than 3% of similar nonprofits.
Assets
Flat$0
Flat from 2018
Liabilities
Flat$0
Flat from 2018
Net Assets
Flat$0
Flat from 2018
Revenue
Down$0
Down $154,403,328 (-100%) from 2018
Expenses
Down$0
Down $148,743,726 (-100%) from 2018
Net Income
Down$0
Down $5,659,602 (-100%) from 2018
Most recent year
2019 • Form 990EZDetailed filing. Detailed filing data is available for this year.
As expressions of god's healing love, witnessed through the ministry of jesus, we are steadfast in serving all, especially those you are poor and vulnerable.
As expressions of god's healing love, witnessed through the ministry of jesus, we are steadfast in serving all, especially those who are poor and vulnerable.
| Description | Grants | Expenses |
|---|---|---|
| PROVIDENCEON JULY 1, 2016, PROVIDENCE HEALTH & SERVICES (PHS) AND ST. JOSEPH HEALTH SYSTEM (SJHS) ENTERED INTO A BUSINESS COMBINATION AGREEMENT TO FORM PROVIDENCE ST. JOSEPH HEALTH (PROVIDENCE). BY COMING TOGETHER, PROVIDENCE SEEKS TO BETTER SERVE ITS COMMUNITIES THROUGH GREATER PATIENT AFFORDABILITY, OUTSTANDING CLINICAL CARE, IMPROVEMENTS TO THE PATIENT EXPERIENCE AND INTRODUCTION OF NEW SERVICES WHERE THEY ARE NEEDED MOST. TOGETHER, OUR CAREGIVERS SERVE IN 51 HOSPITALS, 1,085 CLINICS ACROSS ALASKA, CALIFORNIA, MONTANA, NEW MEXICO, OREGON, TEXAS AND WASHINGTON. THE FOUNDERS OF BOTH ORGANIZATIONS WERE COURAGEOUS WOMEN AHEAD OF THEIR TIME. THE SISTERS OF PROVIDENCE AND THE SISTERS OF ST. JOSEPH OF ORANGE BROUGHT HEALTH CARE AND OTHER SOCIAL SERVICES TO THE AMERICAN WEST WHEN IT WAS STILL A RUGGED, UNTAMED FRONTIER. NOW, AS WE FACE A DIFFERENT LANDSCAPE A CHANGING HEALTH CARE ENVIRONMENT WE DRAW UPON THEIR PIONEERING AND COMPASSIONATE SPIRIT TO PLAN FOR THE NEXT CENTURY OF HEALTH CARE. PROVIDENCE HEALTH & SERVICESIN 1856, MOTHER JOSEPH AND FOUR SISTERS OF PROVIDENCE ESTABLISHED HOSPITALS, SCHOOLS AND ORPHANAGES ACROSS THE NORTHWEST. OVER THE YEARS, OTHER CATHOLIC SISTERS TRANSFERRED SPONSORSHIP OF THEIR MINISTRIES TO PROVIDENCE, INCLUDING THE LITTLE COMPANY OF MARY, DOMINICANS AND CHARITY OF LEAVENWORTH. RECENTLY, SWEDISH HEALTH SERVICES, KADLEC REGIONAL MEDICAL CENTER AND PACIFIC MEDICAL CENTERS HAVE JOINED PROVIDENCE AS SECULAR PARTNERS WITH A COMMON COMMITMENT TO SERVING ALL MEMBERS OF THE COMMUNITY. ST. JOSEPH HEALTH SYSTEMIN 1912, A SMALL GROUP OF SISTERS OF ST. JOSEPH LANDED ON THE RUGGED SHORES OF EUREKA, CALIFORNIA TO PROVIDE EDUCATION AND HEALTH CARE. THEY LATER ESTABLISHED ROOTS IN ORANGE, CALIFORNIA, AND EXPANDED TO SERVE SOUTHERN CALIFORNIA, NORTHERN CALIFORNIA AND TEXAS. THE HEALTH SYSTEM ESTABLISHED MANY KEY PARTNERSHIPS, INCLUDING A MERGER BETWEEN LUBBOCK METHODIST HOSPITAL SYSTEM AND ST. MARY HOSPITAL TO FORM COVENANT HEALTH IN LUBBOCK, TEXAS. RECENTLY, AN AFFILIATION WAS ESTABLISHED WITH HOAG HEALTH TO INCREASE ACCESS TO SERVICES IN ORANGE COUNTY, CALIFORNIA. PROVIDENCE ST. JOSEPH HEALTH IS THE CORPORATE MEMBER OF ST. JOSEPH HEALTH SYSTEM (SJHS). SJHS IS THE SOLE MEMBER OF ST. JOSEPH HOSPITAL OF EURKEA (SJHE) AND IS RECOGNIZED AS INTERNAL REVENUE CODE (IRC) SECTION 501(C)(3) ORGANIZATION AND IS COMPLYING WITH IRC SECTION 501(R). SJHS HAS CONSOLIDATED AND SIMPLIFIED ITS STRUCTURE BY MOVING THE OPERATIONS OF SJHE AND THREE OTHER HOSPITAL ORGANIZATIONS INTO A SINGLE LEGAL ENTITY, ST. JOSEPH HEALTH NORTHERN CALIFORNIA, LLC, ON MARCH 31, 2018. | $0 | $0 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| ROBERTA LUSKIN-HAWK MD | Chief Exec Eureka | - | $673,993 | $214,994 | $888,987 |
| OLUYEMI ADEYANJU ESQ | Secretary | - | $544,043 | $101,971 | $646,014 |
| PAUL OHTA | Board Member | - | $448,588 | $92,535 | $541,123 |
| DAVID SOUTHERLAND | Interim COO No CA | PT | $385,146 | $13,572 | $398,718 |
| JULIE MALVEY | VP, Mission Integration | - | $291,747 | $75,986 | $367,733 |
| ELLEN MAHONEY MD | Board Member | - | $65,867 | - | $65,867 |
| PETER GOLDBERG MD | Board Member/Chief Of Staff | - | $0 | - | - |
| DENNIS LEONARDI | Board Chairperson | - | $0 | - | - |
| RON JONES MD | Board Vice Chair | - | $0 | - | - |
| BECKY GIACOMINI | Board Member | - | $0 | - | - |
| DAVID WELLS | Board Member | - | $0 | - | - |
| DONALD WHEELER MD | Board Member | - | $0 | - | - |
“Providence on july 1, 2016, providence health & services (phs) and st. Joseph health system (sjhs) entered into a business combination agreement. By coming together, providence seeks to better serve its communities through greater patient affordability, outstanding clinical care, improvements to the patient experience and introduction of new services where they are needed most. Together, our caregivers serve in 51 hospitals, 1,085 clinics across alaska, california, montana, new mexico, oregon, texas and washington. The founders of both organizations were courageous women ahead of their time. The sisters of providence and the sisters of st. Joseph of orange brought health care and other social services to the american west when it was still a rugged, untamed frontier. Now, as we face a different landscape a changing health care environment we draw upon their pioneering and compassionate spirit to plan for the next century of health care. Providence health & services in 1856, mother joseph and four sisters of providence established hospitals, schools and orphanages across the northwest. Over the years, other catholic sisters transferred sponsorship of their ministries to providence, including the little company of mary, dominicans and charity of leavenworth. Recently, swedish health services, kadlec regional medical center and pacific medical centers have joined providence as secular partners with a common commitment to serving all members of the community. Today, providence serves alaska, california, montana, oregon and washington. St. Joseph health system in 1912, a small group of sisters of st. Joseph landed on the rugged shores of eureka, california to provide education and health care. They later established roots in orange, california, and expanded to serve southern california, northern california and texas. The health system established many key partnerships, including a merger between lubbock methodist hospital system and st. Mary hospital to form covenant health in lubbock texas. Recently, an affiliation was established with hoag health to increase access to services in orange county, california. Providence st. Joseph health is the corporate member of st. Joseph health system (sjhs). Sjhs is the sole member of st. Joseph hospital of eurkea (sjhe) and is recognized as internal revenue code (irc) section 501(c)(3) organization and is complying with irc section 501(r). Sjhs has consolidated and simplified its structure by moving the operations of sjhe and three other hospital organizations into a single legal entity, st. Joseph health northern california, llc, on march 31, 2018.”
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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| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | ROBERTA LUSKIN-HAWK MD |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | OLUYEMI ADEYANJU ESQ |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | PAUL OHTA |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | DAVID SOUTHERLAND |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | JULIE MALVEY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | ELLEN MAHONEY MD |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | PETER GOLDBERG MD |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 7 | DENNIS LEONARDI |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 8 | RON JONES MD |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 9 | BECKY GIACOMINI |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 10 | DAVID WELLS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 11 | DONALD WHEELER MD |
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| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | BOARD MEMBER/CHIEF OF STAFF |
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| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | AS EXPRESSIONS OF GOD'S HEALING LOVE, WITNESSED THROUGH THE MINISTRY OF JESUS, WE ARE STEADFAST IN SERVING ALL, ESPECIALLY THOSE WHO ARE POOR AND VULNERABLE. |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | PROVIDENCEON JULY 1, 2016, PROVIDENCE HEALTH & SERVICES (PHS) AND ST. JOSEPH HEALTH SYSTEM (SJHS) ENTERED INTO A BUSINESS COMBINATION AGREEMENT TO FORM PROVIDENCE ST. JOSEPH HEALTH (PROVIDENCE). BY COMING TOGETHER, PROVIDENCE SEEKS TO BETTER SERVE ITS COMMUNITIES THROUGH GREATER PATIENT AFFORDABILITY, OUTSTANDING CLINICAL CARE, IMPROVEMENTS TO THE PATIENT EXPERIENCE AND INTRODUCTION OF NEW SERVICES WHERE THEY ARE NEEDED MOST. TOGETHER, OUR CAREGIVERS SERVE IN 51 HOSPITALS, 1,085 CLINICS ACROSS ALASKA, CALIFORNIA, MONTANA, NEW MEXICO, OREGON, TEXAS AND WASHINGTON. THE FOUNDERS OF BOTH ORGANIZATIONS WERE COURAGEOUS WOMEN AHEAD OF THEIR TIME. THE SISTERS OF PROVIDENCE AND THE SISTERS OF ST. JOSEPH OF ORANGE BROUGHT HEALTH CARE AND OTHER SOCIAL SERVICES TO THE AMERICAN WEST WHEN IT WAS STILL A RUGGED, UNTAMED FRONTIER. NOW, AS WE FACE A DIFFERENT LANDSCAPE A CHANGING HEALTH CARE ENVIRONMENT WE DRAW UPON THEIR PIONEERING AND COMPASSIONATE SPIRIT TO PLAN FOR THE NEXT CENTURY OF HEALTH CARE. PROVIDENCE HEALTH & SERVICESIN 1856, MOTHER JOSEPH AND FOUR SISTERS OF PROVIDENCE ESTABLISHED HOSPITALS, SCHOOLS AND ORPHANAGES ACROSS THE NORTHWEST. OVER THE YEARS, OTHER CATHOLIC SISTERS TRANSFERRED SPONSORSHIP OF THEIR MINISTRIES TO PROVIDENCE, INCLUDING THE LITTLE COMPANY OF MARY, DOMINICANS AND CHARITY OF LEAVENWORTH. RECENTLY, SWEDISH HEALTH SERVICES, KADLEC REGIONAL MEDICAL CENTER AND PACIFIC MEDICAL CENTERS HAVE JOINED PROVIDENCE AS SECULAR PARTNERS WITH A COMMON COMMITMENT TO SERVING ALL MEMBERS OF THE COMMUNITY. ST. JOSEPH HEALTH SYSTEMIN 1912, A SMALL GROUP OF SISTERS OF ST. JOSEPH LANDED ON THE RUGGED SHORES OF EUREKA, CALIFORNIA TO PROVIDE EDUCATION AND HEALTH CARE. THEY LATER ESTABLISHED ROOTS IN ORANGE, CALIFORNIA, AND EXPANDED TO SERVE SOUTHERN CALIFORNIA, NORTHERN CALIFORNIA AND TEXAS. THE HEALTH SYSTEM ESTABLISHED MANY KEY PARTNERSHIPS, INCLUDING A MERGER BETWEEN LUBBOCK METHODIST HOSPITAL SYSTEM AND ST. MARY HOSPITAL TO FORM COVENANT HEALTH IN LUBBOCK, TEXAS. RECENTLY, AN AFFILIATION WAS ESTABLISHED WITH HOAG HEALTH TO INCREASE ACCESS TO SERVICES IN ORANGE COUNTY, CALIFORNIA. PROVIDENCE ST. JOSEPH HEALTH IS THE CORPORATE MEMBER OF ST. JOSEPH HEALTH SYSTEM (SJHS). SJHS IS THE SOLE MEMBER OF ST. JOSEPH HOSPITAL OF EURKEA (SJHE) AND IS RECOGNIZED AS INTERNAL REVENUE CODE (IRC) SECTION 501(C)(3) ORGANIZATION AND IS COMPLYING WITH IRC SECTION 501(R). SJHS HAS CONSOLIDATED AND SIMPLIFIED ITS STRUCTURE BY MOVING THE OPERATIONS OF SJHE AND THREE OTHER HOSPITAL ORGANIZATIONS INTO A SINGLE LEGAL ENTITY, ST. JOSEPH HEALTH NORTHERN CALIFORNIA, LLC, ON MARCH 31, 2018. |
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| IRS990EZ/WebsiteAddressTxt | 0 | HTTPS://WWW.STJOEHUMBOLDT.ORG/ |
| IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt | 0 | ST. JOSEPH HOSPITAL OF EUREKA (SJHE) IS IDENTIFIED AS A HOSPITAL OR COOPERATIVE HOSPITAL SERVICE ORGANIZATION UNDER SECTION 170(B)(A)(III) IN SCHEDULE A. HOWEVER, SJHE WAS DISSOLVED ON MARCH 31, 2018, AND THEREFORE DOES NOT FILE A SCHEDULE H WITH THIS 990-EZ. SJHE MAINTAINS GOOD-STANDING AS A LICENSED HOSPITAL, AND REPORTS ALL RELATED FILING REQUIREMENTS ON FORM 990, SCHEDULE H, FOR ST. JOSEPH HEALTH NORTHERN CALIFORNIA, LLC (EIN: 81-4790143). |
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| IRS990ScheduleN/LiabilitiesPaidInd | 0 | 1 |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc | 0 | NO ASSETS WERE DISTRIBUTED |
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| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt | 0 | 2018-03-31 |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN | 0 | 814794013 |
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| IRS990ScheduleN/OwnerOfSuccessorInd | 0 | 0 |
| IRS990ScheduleN/ReceiveCompensationInd | 0 | 0 |
| IRS990ScheduleN/RequiredToNotifyAGInd | 0 | 1 |
| IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt | 0 | EXPLANATION OF INVOLVEMENT: THE FOLLOWING INDIVIDUALS BECAME AN OFFICER OR TRUSTEE OF THE TRANSFEREEORGANIZATION:OLUYEMI ADEYANJU - OFFICER OF ST. JOSEPH HEALTH NORTHERN CA. LLCKEVIN KLOCKENGA - OFFICER OF ST. JOSEPH HEALTH NORTHERN CA. LLCALL EMPLOYEES OF ST. JOSEPH HOSPITAL OF EUREKA TRANSFERRED TO ST.JOSEPH HEALTH NORTHERN CALIFORNIA, LLC ON 1/1/2019.ON MARCH 31, 2018, ST. JOSEPH HOSPITAL OF EUREKA, ALONG WITH SANTA ROSAMEMORIAL HOSPITAL, REDWOOD MEMORIAL HOSPITAL, AND QUEEN OF THE VALLEYMEDICAL CENTER, COLLECTIVELY THE "HOSPITALS", TRANSFERRED ALL OF THEIRNET ASSETS TO ST. JOSEPH HEALTH NORTHERN CALIFORNIA, LLC, A RELATED501(C)(3) ORGANIZATION. ST. JOSEPH HEALTH NORTHERN CALIFORNIA, LLC WASCREATED TO CONSOLIDATE AND SIMPLIFY THE CURRENT STRUCTURE BY MOVING THEOPERATIONS OF THE HOSPITALS INTO A SINGLE LEGAL ENTITY. THE OPERATION OFTHE HOSPITALS WILL REMAIN THE SAME. |
| IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 2E: |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | PROVIDENCE ON JULY 1, 2016, PROVIDENCE HEALTH & SERVICES (PHS) AND ST. JOSEPH HEALTH SYSTEM (SJHS) ENTERED INTO A BUSINESS COMBINATION AGREEMENT. BY COMING TOGETHER, PROVIDENCE SEEKS TO BETTER SERVE ITS COMMUNITIES THROUGH GREATER PATIENT AFFORDABILITY, OUTSTANDING CLINICAL CARE, IMPROVEMENTS TO THE PATIENT EXPERIENCE AND INTRODUCTION OF NEW SERVICES WHERE THEY ARE NEEDED MOST. TOGETHER, OUR CAREGIVERS SERVE IN 51 HOSPITALS, 1,085 CLINICS ACROSS ALASKA, CALIFORNIA, MONTANA, NEW MEXICO, OREGON, TEXAS AND WASHINGTON. THE FOUNDERS OF BOTH ORGANIZATIONS WERE COURAGEOUS WOMEN AHEAD OF THEIR TIME. THE SISTERS OF PROVIDENCE AND THE SISTERS OF ST. JOSEPH OF ORANGE BROUGHT HEALTH CARE AND OTHER SOCIAL SERVICES TO THE AMERICAN WEST WHEN IT WAS STILL A RUGGED, UNTAMED FRONTIER. NOW, AS WE FACE A DIFFERENT LANDSCAPE A CHANGING HEALTH CARE ENVIRONMENT WE DRAW UPON THEIR PIONEERING AND COMPASSIONATE SPIRIT TO PLAN FOR THE NEXT CENTURY OF HEALTH CARE. PROVIDENCE HEALTH & SERVICES IN 1856, MOTHER JOSEPH AND FOUR SISTERS OF PROVIDENCE ESTABLISHED HOSPITALS, SCHOOLS AND ORPHANAGES ACROSS THE NORTHWEST. OVER THE YEARS, OTHER CATHOLIC SISTERS TRANSFERRED SPONSORSHIP OF THEIR MINISTRIES TO PROVIDENCE, INCLUDING THE LITTLE COMPANY OF MARY, DOMINICANS AND CHARITY OF LEAVENWORTH. RECENTLY, SWEDISH HEALTH SERVICES, KADLEC REGIONAL MEDICAL CENTER AND PACIFIC MEDICAL CENTERS HAVE JOINED PROVIDENCE AS SECULAR PARTNERS WITH A COMMON COMMITMENT TO SERVING ALL MEMBERS OF THE COMMUNITY. TODAY, PROVIDENCE SERVES ALASKA, CALIFORNIA, MONTANA, OREGON AND WASHINGTON. ST. JOSEPH HEALTH SYSTEM IN 1912, A SMALL GROUP OF SISTERS OF ST. JOSEPH LANDED ON THE RUGGED SHORES OF EUREKA, CALIFORNIA TO PROVIDE EDUCATION AND HEALTH CARE. THEY LATER ESTABLISHED ROOTS IN ORANGE, CALIFORNIA, AND EXPANDED TO SERVE SOUTHERN CALIFORNIA, NORTHERN CALIFORNIA AND TEXAS. THE HEALTH SYSTEM ESTABLISHED MANY KEY PARTNERSHIPS, INCLUDING A MERGER BETWEEN LUBBOCK METHODIST HOSPITAL SYSTEM AND ST. MARY HOSPITAL TO FORM COVENANT HEALTH IN LUBBOCK TEXAS. RECENTLY, AN AFFILIATION WAS ESTABLISHED WITH HOAG HEALTH TO INCREASE ACCESS TO SERVICES IN ORANGE COUNTY, CALIFORNIA. PROVIDENCE ST. JOSEPH HEALTH IS THE CORPORATE MEMBER OF ST. JOSEPH HEALTH SYSTEM (SJHS). SJHS IS THE SOLE MEMBER OF ST. JOSEPH HOSPITAL OF EURKEA (SJHE) AND IS RECOGNIZED AS INTERNAL REVENUE CODE (IRC) SECTION 501(C)(3) ORGANIZATION AND IS COMPLYING WITH IRC SECTION 501(R). SJHS HAS CONSOLIDATED AND SIMPLIFIED ITS STRUCTURE BY MOVING THE OPERATIONS OF SJHE AND THREE OTHER HOSPITAL ORGANIZATIONS INTO A SINGLE LEGAL ENTITY, ST. JOSEPH HEALTH NORTHERN CALIFORNIA, LLC, ON MARCH 31, 2018. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART III, LINE 28 |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | 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. |
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