2026-09-14T10:54:54-05:00 2025-10-31 223271712 MERCADIEN PC PO BOX 7648 PRINCETON NJ 085437648 990EZ 2024-11-01 843732593 BLUE CLAWS CHARITIES INC BLUE 2032472403 2 STADIUM WAY LAKEWOOD NJ 08701 KEVIN FENSTERMACHER PRESIDENT 2032472403 2026-09-14 1 1 RAPHAEL J CARLETTI CPA P01747794 6096899700 2026-09-14 2024 X X N/A X X 183626 X 6643 139728 35424 87677 87475 1831 95949 54400 30000 17604 102004 -6055 9166 0 3111 X 59897 57550 1320 138 61217 57688 52051 54577 9166 3111 X ORGANIZED TO SUPPORT OCEAN AND MONMOUTH COUNTY NJ COMMUNITIES BY PROVIDING FINANCIAL SUPPORT TO OTHER CODE SECTION 501 (C)(3) NON PROFIT ORGANIZATIONS THAT SERVE THESE COMMUNITIES. THE ORGANIZATION WORKS CLOSELY WITH THE BLUECLAWS ORGANIZATION IN ORDER TO CONDUCT OR CO-SPONSOR FUNDRAISING EVENTS AND ACTIVITIES. THE PROCEEDS OF THE EVENTS ARE ENTIRELY DEDICATED TO NONPROFIT ORGANIZATIONS IN THE MONMOUTH AND OCEAN COUNTY NJ COMMUNITIES. THE CORPORATION CONDUCTED AN ANNUAL LUXURY SUITE RAFFLE, 50/50 RAFFLES AND MERCHANDISE SALES DURING BALL GAMES AT THE BLUECLAWS BALLPARK KNOWN AS FIRSTENERGY PARK. 35 NONPROFIT PARTNER PROGRAM ORGANIZATIONS WERE THE RECIPIENT OF THE 50/50 RAFFLES, 52 GRANTS WERE MADE TO OTHER NON PROFITS AT THE DISCRETION OF THE BOARD OF TRUSTEES THROUGH THE ANNUAL GRANT MAKING PROCESS, AND 2 SCHOLARSHIPS AWARDED ON BEHALF OF INDIVIDUALS TO LOCAL COLLEGES AND UNIVERSITIES. 54400 0 JIM MCNAMARA EXECUTIVE DIRECTOR 2.00 30000 0 0 KEVIN FENSTERMACHER PRESIDENT 2.00 0 0 0 ROBERT MCLANE VICE PRESIDENT 2.00 0 0 0 DONALD ROGERS TREASURER 2.00 0 0 0 GREGORY GIOMBARRESE SECRETARY 2.00 0 0 0 X 0 0 0 0 0 0 0 0 0 0 0 0 0 0 NJ DONALD ROGERS 2 STADIUM WAY LAKEWOOD NJ 08701 8563513137 0 0 0 0 0 0 0 0 0 0 NONE NONE 1 X 35040 4080 16705 1924 6643 64392 35040 4080 16705 1924 6643 64392 64392 2 2 0 4 14722 73995 75921 74405 89306 328349 392745 X MERCHANDISE AUCTION 35424 35424 16410 35424 35424 16410 16410 19014 139728 50300 16500 4467 1 1.00000 139728 50300 16500 4467 71267 68461 NJ 1 0 0 0 1.00000 DONALD RODGERS 2 STADIUM WAY LAKEWOOD NJ 08701 0 JIM MCNAMARA 30000 AS THE EXECUTIVE DIRECTOR OF THE BLUE CLAWS CHARITIES, MR. MCNAMARA OVERSEES THE FUNDRAISING OPERATIONS OF THE ORGANIZATION WHICH INCLUDE THE SUITE RAFFLE, THE VOLUTEERS GROUPS WHO ASSIST IN GAME DAY FUNDRAISING ACTIVITIES AT THE BLUE CLAWS BALLPARK, AND THE 50/50 TICKET SALES. MR. MCNAMARA IS COMPENSATED DIRECTLY BY THE JERSEY SHORE BLUE CLAWS AMERICAN BASEBALL COMPANY AND A PORTION OF HIS COMPENSATION ($30K) IS CHARGED TO THE CHARITY BASED ON HIS TIME COMMITTMENT TO THE CHARITY INCLUDING THE GAMING ACTIVITIES. X 0 FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE DESCRIPTION: VIDEO BOARD ANNOUNCEMENT. AMOUNT: 1,565. DESCRIPTION: CASH OVER/SHORT. AMOUNT: 266. TOTAL TO FORM 990-EZ, LINE 8: 1,831. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: WARM HEARTS PANTRY. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: SHORE HOUSE. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: CHURCH OF GRACE AND PEACE. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: VILLAGE OF CHILDREN AND FAMILIES. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: JERSEY SHORE COUNCIL. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: OCEANFIRST BANK. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: SEABROOK BY ERICKSON SENIOR LIVING. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: INTERFAITH NEIGHBORS. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 2,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: MERCY CENTER. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: NO LIMITS CAFE. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: KICK CANCER OVERBOARD. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: MARKET STREET MISSION. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: HABCORE INC.. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: VETWORK INC.. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: FAMILY AND CHILDREN'S SERVICES. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: THE OXX FOUNDATION. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: TOMS RIVER FIELD OF DREAMS. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: RAISING HOPE FOR OTHERS. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: ARC-OCEAN COUNTY CHAPTER. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: FIGHTING HARD FOUNDATION. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: JBJ SOUL FOUNDATION. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: CENTER FOR VOCATIONAL REHABILITATION. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: FAMILY PROMISE OF THE JERSEY SHORE. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: KIDS NEED MORE. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: THE ASSOCIATION FOR THE MULTIPLE IMPAIRED BLIND. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: STEPHANI NICOLE PARZE FOUNDATION. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: TURNER SYNDROME FOUNDATION. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: SOCIETY FOR THE PREVENTION OF TEEN SUICIDE. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: SALVATION ARMY. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 900. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: PREFERRED BEHAVIORAL HEALTH GROUP. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: SCHOOL FOR CHILDREN WITH HIDDEN INTELLIGENCE. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: POAC AUSTIM SERVICES. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: PINWHEEL PLACE. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: OCEAN COUNTY FAMILY SUPPORT ORGANIZATION. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: OCEAN OF LOVE. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: NEXT STEPS ADULT PROGRAM. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: NORTH OCEAN HABITAT FOR HUMANITY. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: LUNCH BREAK. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: MA DEUCE DEUCE. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: LADACIN NETWORK. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: LT. DENNIS W. ZELINSKI MEMORIAL FUND. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: JAR OF HOPE. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: JERSEY SHORE DREAM CENTER. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: HOMES NOW, INC.. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: JAKE'S GOT THIS. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: EACH STITCH. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 500. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: GIRLSCOUTS OF JERSEY SHORE. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: CARE GIVERS VOLUNTEERS OF CENTRAL JERSEY. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: COMMUNITY OPTIONS. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: ALS UNITED MIDLANTIC. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: BRADLEY FOOD PANTRY. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: GRANTS AND ALLOCATIONS. GRANTEE NAME: A NEED WE FEED. DATE OF GIFT: 01/01/26. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: SCHOLARSHIP. GRANTEE NAME: OCEAN COUNTY COLLEGE. DATE OF GIFT: 05/30/25. AMOUNT GIVEN: 1,000. FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID ACTIVITY CLASSIFICATION: SCHOLARSHIP. GRANTEE NAME: RUTGERS UNIVERSITY. DATE OF GIFT: 05/30/25. AMOUNT GIVEN: 1,000. TOTAL INCLUDED ON FORM 990-EZ, LINE 10: 54,400. FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES DESCRIPTION: BANK FEES. AMOUNT: 3,323. DESCRIPTION: DONATIONS. AMOUNT: 3,049. DESCRIPTION: FEES. AMOUNT: 2,500. DESCRIPTION: LICENSE & FEES. AMOUNT: 8,732. TOTAL TO FORM 990-EZ, LINE 16: 17,604. FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS DESCRIPTION: MISCELLANEOUS ACCOUNTS RECEIVABLE. BEG. OF YEAR AMOUNT: 1,320. END OF YEAR AMOUNT: 120. DESCRIPTION: DUE FROM AMERICAN BASEBALL COMPANY LLC. BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 18. FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES DESCRIPTION: ACCRUED GRANTS. BEG. OF YEAR AMOUNT: 40,000. END OF YEAR AMOUNT: 52,400. DESCRIPTION: DONATIONS PAYABLE- COLLECTIONS AT GAMES. BEG. OF YEAR AMOUNT: 2,128. END OF YEAR AMOUNT: 2,128. DESCRIPTION: ACCOUNTS PAYABLE. BEG. OF YEAR AMOUNT: 100. END OF YEAR AMOUNT: 10. DESCRIPTION: DUE TO AMERICAN BASEBALL COMPANY LLC. BEG. OF YEAR AMOUNT: 9,823. END OF YEAR AMOUNT: 0. DESCRIPTION: EXCHANGE. BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 39. 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.