Form990EZ
Click to see list of attachments
Department of the Treasury
Internal Revenue Service
Short Form
Return of Organization Exempt From Income Tax
Under section 501(c), 527, or 4947(a)(1) of the Internal Revenue Code (except private foundations)
bullet Do not enter social security numbers on this form as it may be made public.


bullet Go to www.irs.gov/Form990EZ for instructions and the latest information.
OMB No. 1545-1150
2018
Open to Public
Inspection
A
For the 2018 calendar year, or tax year beginning 07-01-2018, and ending 06-30-2019
B
Check if applicable:
C Name of organization
ZETA PHI BETA SORORITY INCORPORATED
ALPHA BETA ZETA CHAPTER
Number and street (or P. O. box, if mail is not delivered to street address)PO BOX 2636
  Room/suite
City or town, state or province, country, and ZIP or foreign postal code NEWPORT NEWS, VA23609
D Employer identification number

26-3617997
E Telephone number

(757) 746-5681
F Group Exemption
Numberbullet  
G Accounting Method: Other (specify) bullet   H Check bulletI Website:bulletWWW.ALPHABETAZETA.ORGJ Tax-exempt status (check only one) - ( 7) bullet (insert no.) or
K Form of organization:  
L Add lines 5b, 6c, and 7b to line 9 to determine gross receipts. If gross receipts are $200,000 or more, or if total assets (Part II, column (B) below) are $500,000 or more, file Form 990 instead of Form 990-EZ ...........................bullet $ 57,559
Part Ⅰ
Revenue, Expenses, and Changes in Net Assets or Fund Balances (see the instructions for Part I) Check if the organization used Schedule O to respond to any question in this Part I.....................
VerticalRevenue 1 Contributions, gifts, grants, and similar amounts received .................... 1 1,983
2 Program service revenue including government fees and contracts ............... 2  
3 Membership dues and assessments ........................... 3 55,576
4 Investment income ........................... 4  
5a Gross amount from sale of assets other than inventory ..... 5a  
b Less: cost or other basis and sales expenses ....... 5b  
c Gain or (loss) from sale of assets other than inventory (Subtract line 5b from line 5a) ...... 5c  
6 Gaming and fundraising events
a Gross income from gaming (attach Schedule G if greater than $15,000) 6a  
b Gross income from fundraising events (not including $   of contributions from fundraising events reported on line 1) (attach Schedule G if the sum of such gross income and contributions exceeds $15,000) ..6b  
c Less: direct expenses from gaming and fundraising events ... 6c  
d Net income or (loss) from gaming and fundraising events (add lines 6a and 6b and subtract line 6c) 6d  
7a Gross sales of inventory, less returns and allowances ...... 7a  
b Less: cost of goods sold ............. 7b  
c Gross profit or (loss) from sales of inventory (Subtract line 7b from line 7a) ......... 7c  
8 Other revenue (describe in Schedule O) .......... 8  
9 Total revenue. Add lines 1, 2, 3, 4, 5c, 6d, 7c, and 8 .............. Bullet 9 57,559
VerticalExpenses 10 Grants and similar amounts paid (list in Schedule O) ............ 10 3,273
11 Benefits paid to or for members ................ 11  
12 Salaries, other compensation, and employee benefits ................ 12  
13 Professional fees and other payments to independent contractors ............ 13  
14 Occupancy, rent, utilities, and maintenance ................... 14  
15 Printing, publications, postage, and shipping .............. 15 96
16 Other expenses (describe in Schedule O) .............. 16 52,716
17 Total expenses. Add lines 10 through 16 .............. Bullet 17 56,085
VerticalNetAssets 18 Excess or (deficit) for the year (Subtract line 17 from line 9) ............ 18 1,474
19 Net assets or fund balances at beginning of year (from line 27, column (A)) (must agree with
end-of-year figure reported on prior year’s return) ............ 19 10,557
20 Other changes in net assets or fund balances (explain in Schedule O) .......... 20 0
21 Net assets or fund balances at end of year. Combine lines 18 through 20 ....... 21 12,031
For Paperwork Reduction Act Notice, see the separate instructions.
Cat. No. 10642I Form 990-EZ (2018)
Form 990-EZ (2018)
Page 2
Part ⅡBalance Sheets (see the instructions for Part II)Check if the organization used Schedule O to respond to any question in this Part II.................

(A) Beginning of year(B) End of year
22Cash, savings, and investments................
10,557
22
12,031
23Land and buildings....................
 
23
 
24Other assets (describe in Schedule O) ..........
 
24
 
25Total assets......................
10,557
25
12,031
26
Total liabilities (describe in Schedule O) .............
0
26
0
27Net assets or fund balances (line 27 of column (B) must agree with line 21)
10,557
27
12,031
Part ⅢStatement of Program Service Accomplishments (see the instructions for Part III) Check if the organization used Schedule O to respond to any question in this Part III . . Expenses
(Required for section 501(c)(3) and 501(c)(4) organizations; optional for others.)
What is the organization's primary exempt purpose? ALPHA BETA ZETA MEMBERS CONTINUOUSLY FOCUS ON PROJECTS WITHIN FOUR MAJOR THEMES: COMMUNITY SERVICE, CULTURAL OUTREACH PROGRAMS, SCHOLARSHIPS, AND RECOGNITION OF UNSUNG HEROES. OUR MEMBERS SEARCH EAGERLY FOR OPPORTUNITIES TO MAKE A DIFFERENCE IN THE COMMUNITY. WE PARTICIPATE IN ACTIVITIES THAT ADDRESS THE NEEDS OF WOMEN, MEN, YOUTH AND SENIORS OF ALL SEGMENTS OF OUR POPULATION. WE ARE ESPECIALLY COMMITTED TO ACTIVITIES THAT ADDRESS THE NEEDS OF OUR YOUTH.
Describe the organization’s program service accomplishments for each of its three largest program services, as measured by expenses. In a clear and concise manner, describe the services provided, the number of persons benefited, and other relevant information for each program title.
28 ANNUAL ZETA PHI BETA SCHOLARSHIP FUNDRAISER THE SCHOLARSHIP FUNDRAISER IS HELD ON THE FIRST SATURDAY OF MAY EACH YEAR SINCE 2008. IT SERVES AS THE PRIMARY EVENT TO SUPPORT ABZ'S COMMUNITY SERVICE SCHOLARSHIPS. EACH YEAR OVER 350 LADIES (AND A FEW GENTLEMEN, TOO) GATHER FOR A FABULOUS LUNCHEON AND RECOGNITION PROGRAM. DURING THE EVENT, WE RECOGNIZE THE ACCOMPLISHMENTS OF A FEW COMMUNITY UNSUNG HEROES, PARTICIPATE IN A FABULOUS PARADE OF HATS, AND CONCLUDE THE AFTERNOON WITH A RESPONSIVE AFFIRMATION SALUTING MOTHERS, MOTHER-FIGURES, AND WOMEN OF INFLUENCE. ABZ POSTS THE SCHOLARSHIP INFORMATION AND APPLICATION ON THEIR WEBSITE. INFORMATION ABOUT SCHOLARSHIP CRITERIA IS SENT TO ALL AREA HIGH SCHOOL GUIDANCE COUNSELORS. INTERESTED FEMALE HIGH SCHOOL SENIORS WHO MEET CRITERIA CAN GO TO THE SITE AND DOWNLOAD APPLICATIONS AND SUBMIT THEM PRIOR TO THE MARCH DEADLINE. SCHOLARSHIP CRITERIA TAKE IN CONSIDERATION REFERENCES, COMMUNITY SERVICE, FINANCIAL NEED, AND GRADE POINT AVERAGE. FOUR TO FIVE SCHOLARSHIP RECIPIENTS ARE CHOSEN AND EACH SCHOLARSHIP IS FOR $1000.00. THE EVENT IS HELD AT AN AREA LOCATION AND FEATURES A LUNCHEON, PRESENTATION OF UNSUNG HEROS, AND SCHOLARSHIP RECIPIENTS. THE UNSUNG HEROS ARE WOMEN WHO ARE NOT AFFILIATED WITH THE CHAPTER BUT ARE RECOGNIZED FOR THE TREMENDOUS WORK THEY DO IN THE COMMUNITY WITH UNDERPRIVILEGED YOUTH AND ADULTS THAT MAKE A DIFFERENCE IN THE LIVES OF THOSE THEY SERVE. THE SCHOLARSHIP FUNDRAISER TAKES ABOUT 6 MONTHS TO COORDINATE WITH SOLICITATION OF ADVERTISMENTS, DONATIONS, AND TICKET SALES TO FUND THE EVENT.
(Grants $ 0) If this amount includes foreign grants, check here ...MediumBullet		 28a 3,273
29 Z-H.O.P.E. PROJECTS (ZETAS HELPING OTHER PEOPLE EXCEL)ABZ CHAPTER MEMBERS PARTICIPATE ACTIVELY IN COMMUNITY SERVICE INITIATIVES THROUGH ZETA PHI BETA SORORITY, INC.'S SIGNATURE INTERNATIONAL SERVICE INITIATIVE, Z-HOPE. THIS PROGRAM IS DESIGNED TO ADDRESS THE NEEDS OF WOMEN, MEN, YOUTH, SENIORS, AND INTERNATIONAL WOMEN OF COLOR THROUGH EDUCATIONAL AND PERSONAL DEVELOPMENT ACTIVITIES. COATS FOR FAMILIES (AKA) COATS FOR KIDS IS ANOTHER COMMUNITY PARTNER THAT ABZ HAS WORKED WITH SINCE 2008. THIS COMMUNITY WIDE PROGRAM HELPS CHILDREN AND FAMILIES WHO CANNOT AFFORD TO PURCHASE WINTER COATS STAY WARM WHEN TEMPERATURES DROP BELOW 60 DEGREES. THE COATS (SOMETIMES BRAND NEW) ARE DONATED BY MEMBERS OF THE COMMUNITY. THE COATS FOR FAMILIES COAT DRIVE BEGINS IN NOVEMBER AND RUNS THROUGH JANUARY. SORORITIES PICK-UP COATS 2 TO 3 TIMES A WEEK AND TRANSPORT THEM TO DESIGNATED LOCATIONS THROUGHOUT THE CITIES OF HAMPTON AND NEWPORT NEWS. THE COATS ARE DROPPED OFF AT CREDIT UNIONS AND DRY CLEANERS AND TAKEN TO ONE SPECIFIC DRY CLEANER TO BE CLEANED. THE SORORITY PICKS THE COATS UP FROM THE DRY CLEANERS AND TAKES THEM TO DISTRIBUTION SITES; NEWPORT NEWS AND HAMPTON YMCA AND THE YWCA DOWNTOWN NEWPORT NEWS. WE LOOK FORWARD TO CONTINUED SUPPORT OF THIS AND A NUMBER OF OTHER SORORITY PROGRAMS. THIS PROJECT HAS BECOME AN ANNUAL EVENT FOR ALPHA BETA ZETA AND IS SPEARHEADED BY OUR Z-HOPE COMMITTEE.YWCA SCHOOL SUPPLY CLOSET- THIS PARTNERSHIP BETWEEN ABZ AND THE YWCA IS AIMED AT ENSURING THAT EACH STUDENT FROM POVERTY RIDDEN NEIGHBORHOOD HAVE SCHOOL SUPPLIES YEAR AROUND. THE YWCA IS LOCATED IN DOWNTOWN NEWPORT NEWS. THE AREA'S ANNUAL MEDIAN INCOME IS $8,000.00 AND 80% OF THE POPULATION RECEIVES FOOD STAMPS AND LIVES IN SECTION (8) HOUSING. MANY OF ABZ'S MEMBERS HAVE TIES TO THE SCHOOL SYSTEM AND KNOW HOW IMPORTANT IT IS FOR STUDENTS TO HAVE ADEQUATE SCHOOL SUPPLIES. ABZ MEMBERS BRING SCHOOL SUPPLY ITEMS TO MONTHLY CHAPTER MEETINGS. THE SUPPLIES ARE COLLECTED AND DELIVERED TO THE YWCA MONTHLY. THIS PROJECT HAS BECOME AN ANNUAL EVENT FOR ALPHA BETA ZETA AND IS SPEARHEADED BY OUR Z-HOPE COMMITTEE.MAKING STRIDES AGAINST BREAST CANCER WALK ABZ CHAPTER WAS SELECTED AS A PREMIER CHAPTER, REPRESENTING ZETA IN ITS PARTNERSHIP WITH THE AMERICAN CANCER SOCIETY. MEMBERS PARTICIPATED IN THE MAKING STRIDES AGAINST BREAST CANCER WALK BEGINNING IN OCTOBER 2008 AND RAISED MONEY FOR MEDICAL RESEARCH. THE FUNDRAISING FOR THIS EVENT IS THE START OF OUR SORORITY YEAR AND CULMINATES IN NOVEMBER. ABZ SETS-UP A WEBSITE SO THAT MEMBERS COULD MAKE DONATIONS AND TRACK THEIR FINANCIAL PROGRESS. MEMBERS WHO DO NOT WALK VOLUNTEER TO MAN WATER-STATIONS AND HAND-OUT SNACKS. THE MONEY RAISED GOES BACK INTO THE LOCAL COMMUNITY FOR RESEARCH. THIS PROJECT HAS BECOME AN ANNUAL EVENT FOR ALPHA BETA ZETA AND IS SPEARHEADED BY OUR Z-HOPE COMMITTEE.
(Grants $ 0) If this amount includes foreign grants, check here ...MediumBullet		 29a 0
30
(Grants $   ) If this amount includes foreign grants, check here ...MediumBullet 		30a
31 Other program services (describe in Schedule O) ................
(Grants $   ) If this amount includes foreign grants, check here...MediumBullet		 31a
32 Total program service expenses (add lines 28a through 31a).......... bullet 32 3,273
Part Ⅳ
List of Officers, Directors, Trustees, and Key Employees (list each one even if not compensated — see the instructions for Part IV)Check if the organization used Schedule O to respond to any question in this Part IV............
(a) Name and title (b) Average
hours per week
devoted to position		 (c) Reportable compensation
(Forms W-2/1099-MISC) (if not paid, enter -0-) 		(d) Health benefits, contributions to employee benefit plans, and
deferred compensation		 (e) Estimated amount
of other compensation
DEBRA J CARROLL  
 
PRESIDENT 		2.00 0 0 0
AMELIA L HUNT  
 
1ST VICE PRESIDENT 		2.00 0 0 0
KATRINA FOSTER  
 
2ND VICE PRESIDENT 		2.00 0 0 0
LAGAIL LOWE-CREWS  
 
3RD VICE PRESIDENT 		2.00 0 0 0
ANGIE GAMBLE  
 
FINANCIAL SECRETARY 		2.00 0 0 0
BETTY FULGHAM  
 
TREASURER 		2.00 0 0 0
CAROLYN STEPNEY  
 
PARLIAMENTARIAN 		2.00 0 0 0
MICHELE WILLIAMS  
 
RECORDING SECRETARY 		2.00 0 0 0
ARNEDA POWELL  
 
ASST. RECORDING SECRETARY 		2.00 0 0 0
Form 990-EZ (2018)
Form 990-EZ (2018)
Page 3
Part Ⅴ
Other Information
(Note the Schedule A and personal benefit contract statement requirements in the
instructions for Part V.) Check if the organization used Schedule O to respond to any question in this Part V.......
Yes
No
33
Did the organization engage in any significant activity not previously reported to the IRS? If "Yes," provide a detailed description of each activity in Schedule O ...................
33
 
No
34
Were any significant changes made to the organizing or governing documents? If "Yes," attach a conformed copy of the amended documents if they reflect a change to the organization’s name. Otherwise, explain the changeon Schedule O (see instructions) ..........................
34
 
No
35a
Did the organization have unrelated business gross income of $1,000 or more during the year from business activities (such as those reported on lines 2, 6a, and 7a, among others)? ............
35a
 
No
b
If "Yes," to line 35a, has the organization filed a Form 990-T for the year? If "No," provide an explanation in Schedule O
35b
 
 
c
Was the organization a section 501(c)(4), 501(c)(5), or 501(c)(6) organization subject to section 6033(e) notice, reporting, and proxy tax requirements during the year? If "Yes," complete Schedule C, Part III
35c
 
No
36
Did the organization undergo a liquidation, dissolution, termination, or significant disposition of net assets during the year? If “Yes," complete applicable parts of Schedule N ................
36
 
No
37a
Enter amount of political expenditures, direct or indirect, as described in the instructions. bullet
37a
0
b
Did the organization file Form 1120-POL for this year?...................
37b
 
 
38a
Did the organization borrow from, or make any loans to, any officer, director, trustee, or key employee or were
any such loans made in a prior year and still outstanding at the end of the tax year covered by this return?..
38a
 
No
b
If “Yes," complete Schedule L, Part II and enter the total amount involved .
38b
 
39
Section 501(c)(7) organizations. Enter:
a
Initiation fees and capital contributions included on line 9.......
39a
0
b
Gross receipts, included on line 9, for public use of club facilities.....
39b
0
40a
Section 501(c)(3) organizations. Enter amount of tax imposed on the organization during the year under:
section 4911 bullet   ; section 4912 bullet   ; section 4955 bullet  
b
Section 501(c)(3), 501(c)(4), and 501(c)(29) organizations. Did the organization engage in any section 4958 excess benefit transaction during the year, or did it engage in an excess benefit transaction in a prior year that has not been reported on any of its prior Forms 990 or 990-EZ? If “Yes," complete Schedule L, Part I
40b
 
 
c
Section 501(c)(3), 501(c)(4), and 501(c)(29) organizations. Enter amount of tax imposed on organization managers or disqualified persons during the year under sections 4912, 4955, and 4958bullet  
d
Section 501(c)(3), 501(c)(4), and 501(c)(29) organizations. Enter amount of tax on line 40c reimbursed by the organizationbullet  
e
All organizations. At any time during the tax year, was the organization a party to a prohibited tax shelter transaction? If "Yes," complete Form 8886-T ................
40e
 
No
41List the states with which a copy of this return is filed. bulletVA
42aThe organization's books are in care of bulletBETTY FULGHAM
 Telephone no.bullet (757) 746-5681
Located at bulletPO BOX 2636NEWPORT NEWS,VA ZIP + 4bullet23609
Yes
No
b
At any time during the calendar year, did the organization have an interest in or a signature or other authority over a financial account in a foreign country (such as a bank account, securities account, or other financial account)? . .
42b
 
No
If “Yes," enter the name of the foreign country: bullet
See the instructions for exceptions and filing requirements for FinCEN Form 114, Report of Foreign Bank and Financial Accounts (FBAR)
c
At any time during the calendar year, did the organization maintain an office outside the U.S.? . . .
42c
 
No
If “Yes," enter the name of the foreign country: bullet
43......bullet
and enter the amount of tax-exempt interest received or accrued during the tax year....bullet43
 
Yes
No
44a
Did the organization maintain any donor advised funds during the year? If "Yes," Form 990 must be completed insteadof Form 990-EZ.............................
44a
 
No
b
Did the organization operate one or more hospital facilities during the year? If "Yes," Form 990 must be completedinstead of Form 990-EZ.............................
44b
 
No
c
Did the organization receive any payments for indoor tanning services during the year?.........
44c
 
No
d
If "Yes," to line 44c, has the organization filed a Form 720 to report these payments? If "No," provide an
explanation in Schedule O ............................
44d
 
 
45a
Did the organization have a controlled entity within the meaning of section 512(b)(13)?.........
45a
 
No
45b
Did the organization receive any payment from or engage in any transaction with a controlled entity within the meaning of section 512(b)(13)? If "Yes," Form 990 and Schedule R may need to be completed instead of Form 990-EZ (see instructions).........................
45b
 
 
Form 990-EZ (2018)
Form 990-EZ (2018)
Page 4
Yes
No
46
Did the organization engage, directly or indirectly, in political campaign activities on behalf of or in opposition tocandidates for public office? If “Yes," complete Schedule C, Part I. ...........
46
 
No
Part Ⅵ
Section 501(c)(3) organizations only All section 501(c)(3) organizations must answer questions 47- 49b and 52, and complete the tables for lines 50 and 51. Check if the organization used Schedule O to respond to any question in this Part VI ..................
Yes
No
47
Did the organization engage in lobbying activities or have a section 501(h) election in effect during the tax year? If "Yes," complete Schedule C, Part II .......................
47
 
 
48
Is the organization a school as described in section 170(b)(1)(A)(ii)? If "Yes," complete Schedule E ..
48
 
 
49a
Did the organization make any transfers to an exempt non-charitable related organization?......
49a
 
 
b
If "Yes," was the related organization a section 527 organization?................
49b
 
 
50
Complete this table for the organization's five highest compensated employees (other than officers, directors, trustees and key employees) who each received more than $100,000 of compensation from the organization. If there is none, enter "None."
(a) Name and title of each employee (b) Average
hours per week
devoted to position		 (c) Reportable compensation
(Forms W-2/1099-MISC) 		(d) Health benefits, contributions to employee benefit plans, and deferred compensation (e) Estimated amount of other compensation
 
f
Total number of other employees paid over $100,000 .............bullet  

51
Complete this table for the organization's five highest compensated independent contractors who each received more than $100,000 of compensation from the organization. If there is none, enter "None."
(a) Name and business address of each independent contractor (b) Type of service (c) Compensation
 
d
Total number of other independent contractors each receiving over $100,000..........bullet  


52
Did the organization complete Schedule A? NOTE. All section 501(c)(3) organizations must attach a
completed Schedule A ........................................bullet
Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct, and complete. Declaration of preparer (other than officer) is based on all information of which preparer has any knowledge.
Sign Here
JumboBullet
Signature of officer Date
JumboBullet
Type or print name and title
Paid Preparer Use Only
Print/Type preparer's name
Preparer's signature
Date
PTIN
Firm's name bullet

Firm's EIN bullet
Firm's address bullet



Phone no.
May the IRS discuss this return with the preparer shown above? See instructions .........bullet
Form 990-EZ (2018)

Additional Data


Software ID:  
Software Version:  

Form 990-EZ, Special Condition Description:
Special Condition Description

SCHEDULE O
(Form 990 or 990-EZ)

Department of the Treasury
Internal Revenue Service
Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or 990-EZ or to provide any additional information.
MediumBullet Attach to Form 990 or 990-EZ.
MediumBullet Go to www.irs.gov/Form990 for the latest information.
OMB No. 1545-0047
2018
Open to Public
Inspection
Name of the organization
ZETA PHI BETA SORORITY INCORPORATED
ALPHA BETA ZETA CHAPTER
Employer identification number

26-3617997
Return Reference Explanation
FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: SCHOLARSHIPS. GRANTEE NAME: FIVE INDIVIDUALS. PROPERTY DESCRIPTION: CASH. AMOUNT GIVEN: 3,273.
FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES DESCRIPTION: MEMBERSHIP . AMOUNT: 37,927. DESCRIPTION: BANK FEES. AMOUNT: 413. DESCRIPTION: TAXES. AMOUNT: 890. DESCRIPTION: OFFICE SUPPLIES. AMOUNT: 1,257. DESCRIPTION: INSURANCE. AMOUNT: 350. DESCRIPTION: STORAGE. AMOUNT: 1,083. DESCRIPTION: SUBSCRIPTIONS. AMOUNT: 400. DESCRIPTION: CONFERENCES. AMOUNT: 4,977. DESCRIPTION: PROGRAMS. AMOUNT: 2,503. DESCRIPTION: HOSPITALITY. AMOUNT: 806. DESCRIPTION: ADVERTISING. AMOUNT: 219. DESCRIPTION: FINANCE. AMOUNT: 828. DESCRIPTION: COMMUNNITY SERVICE. AMOUNT: 830. DESCRIPTION: REFUNDS. AMOUNT: 233. TOTAL TO FORM 990-EZ, LINE 16: 52,716.
For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.
Cat. No. 51056K
Schedule O (Form 990 or 990-EZ) 2018


Additional Data


Software ID:  
Software Version:  

TY 2018 TransferPrsnlBnftContractsDecl
Name:
ZETA PHI BETA SORORITY INCORPORATED
 
ALPHA BETA ZETA CHAPTER
EIN:
26-3617997
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.