LM2 Operating Engineers local 98 LMS# 019-823 (7/1/2004-6/30/2005) Last revised 11/11/2005

LM2 Operating Engineers local 98 LMS# 019-823(7/1/2004-6/30/2005) Last revised 08/14/2007

FORM LM-2 LABOR ORGANIZATION ANNUAL REPORT

Form Approved
Office of Management and Budget
No. 1215-0188
Expires: 11-30-2006

MUST BE USED BY LABOR ORGANIZATIONS WITH $250,000 OR MORE IN TOTAL ANNUAL RECEIPTS AND LABOR ORGANIZATIONS IN TRUSTEESHIP

This report is mandatory under P.L. 86-257, as amended. Failure to comply may result in criminal prosecution, fines, or civil penalties as provided by 29 U.S.C. 439 or 440..

READ THE INSTRUCTIONS CAREFULLY BEFORE PREPARING THIS REPORT.

For Official Use Only

1. FILE NUMBER
019-823

2. PERIOD COVERED
From	7/1/2004
Through	6/30/2005

3.	(a) AMENDED - Is this an amended report:	No
	(b) HARDSHIP - Filed under the hardship procedures:	No
	(c) TERMINAL - This is a terminal report:	No

4. AFFILIATION OR ORGANIZATION NAME ENGINEERS, OPERATING, AFL-CIO
5. DESIGNATION (Local, Lodge, etc.) LOCAL UNION	6. DESIGNATION NBR 98
7. UNIT NAME (if any)

8. MAILING ADDRESS (Type or print in capital letters)
First Name DAVID	Last Name CARDIMINO
P.O Box - Building and Room Number
Number and Street 2 CENTER SQUARE
City EAST LONGMEADOW
State MA	ZIP Code + 4 01028

9. Are your organization's records kept at its mailing address?

Yes

Each of the undersigned, duly authorized officers of the above labor organization, declares, under penalty of perjury and other applicable penalties of law, that all of the information submitted in this report (including information contained in any accompanying documents) has been examined by the signatory and is, to the best of the undersigned individual's knowledge and belief, true, correct and complete (See Section V on penalties in the instructions.)

26. SIGNED:

DAVID A CARDIMINO

PRESIDENT

27. SIGNED:

PHILIP C CHAFFEE

TREASURER

Date:

Sep 22, 2005

Contact Info:

Date:

Sep 22, 2005

Contact Info:

Form LM-2 (Revised 2003)

ITEMS 10 THROUGH 21

FILE NUMBER: 019-823

10. During the reporting period did the labor organization create or participate in the administration of a trust or a fund or organization, as defined in the instructions, which provides benefits for members or beneficiaries?	Yes
11. During the reporting period did the labor organization have a Political Action Committee (PAC) fund?	Yes
12. During the reporting period did the labor organization have an audit or review of its books and records by an outside accountant or by a parent body auditor/representative?	Yes
13. During the reporting period did the labor organization discover any loss or shortage of funds or other assets? (Answer "Yes" even if there has been repayment or recovery.)	No
14. What is the maximum amount recoverable under the labor organization's fidelity bond for a loss caused by any officer, employee or agent of the labor organization who handled union funds?	$300,000
15. During the reporting period did the labor organization acquire or dispose of any assets in a manner other than purchase or sale?	Yes
16. Were any of the labor organization's assets pledged as security or encumbered in any way at the end of the reporting period?	No
17. Did the labor organization have any contingent liabilities at the end of the reporting period?	No
18. During the reporting period did the labor organization have any changes in its constitution or bylaws, other than rates of dues and fees, or in practices/procedures listed in the instructions?	Yes
19. What is the date of the labor organization's next regular election of officers?	08/2006

20. How many members did the labor organization have at the end of the reporting period?

1,291

21. What ar the labor organization's rates of dues and fees?

Rates of Dues and Fees
Dues/Fees	Amount		Unit	Minimum	Maximum
(a) Regular Dues/Fees	0	per	PER MONTH	11.50	20.00
(b) Working Dues/Fees	.10	per	PER HOUR	1% OF WAGES	2.5% OF WAGES
(c) Initiation Fees	0	per	EACH	162.50	625.00
(d) Transfer Fees	0	per	0	0	0
(e) Work Permits	0	per	0	0	0

Form LM-2 (Revised 2003)

STATEMENT A - ASSETS AND LIABILITIES

FILE NUMBER: 019-823

ASSETS

ASSETS	Schedule Number	Start of Reporting Period (A)	End of Reporting Period (B)
22. Cash		$1,067,100	$921,817
23. Accounts Receivable	1	$0	$0
24. Loans Receivable	2	$0	$0
25. U.S. Treasury Securities		$0	$0
26. Investments	5	$461,135	$584,971
27. Fixed Assets	6	$131,012	$139,350
28. Other Assets	7	$0	$0
29. TOTAL ASSETS		$1,659,247	$1,646,138

LIABILITIES

LIABILITIES	Schedule Number	Start of Reporting Period (A)	End of Reporting Period (B)
30. Accounts Payable	8	$0	$0
31. Loans Payable	9	$0	$0
32. Mortgages Payable		$0	$0
33. Other Liabilities	10	$2,148	$1,734
34. TOTAL LIABILITIES		$2,148	$1,734

35. NET ASSETS

$1,657,099

$1,644,404

Form LM-2 (Revised 2003)

STATEMENT B - RECEIPTS AND DISBURSEMENTS

FILE NUMBER: 019-823

CASH RECEIPTS	SCH	AMOUNT
36. Dues and Agency Fees		$1,148,413
37. Per Capita Tax		$0
38. Fees, Fines, Assessments, Work Permits		$27,747
39. Sale of Supplies		$0
40. Interest		$48,749
41. Dividends		$0
42. Rents		$0
43. Sale of Investments and Fixed Assets	3	$125,000
44. Loans Obtained	9	$0
45. Repayments of Loans Made	2	$0
46. On Behalf of Affiliates for Transmittal to Them		$0
47. From Members for Disbursement on Their Behalf		$0
48. Other Receipts	14	$113,962
49. TOTAL RECEIPTS		$1,463,871

CASH DISBURSEMENTS		SCH	AMOUNT
50. Representational Activities		15	$438,049
51. Political Activities and Lobbying		16	$28,471
52. Contributions, Gifts, and Grants		17	$17,779
53. General Overhead		18	$227,655
54. Union Administration		19	$48,613
55. Benefits		20	$222,796
56. Per Capita Tax			$128,437
57. Strike Benefits			$0
58. Fees, Fines, Assessments, etc.			$45,498
59. Supplies for Resale			$0
60. Purchase of Investments and Fixed Assets		4	$321,693
61. Loans Made		2	$0
62. Repayment of Loans Obtained		9	$0
63. To Affiliates of Funds Collected on Their Behalf			$81,511
64. On Behalf of Individual Members			$0
65. Direct Taxes			$48,210

66. Subtotal			$1,608,712
67. Withholding Taxes and Payroll Deductions
67a. Total Withheld	$115,872
67b. Less Total Disbursed	$116,314
67c. Total Withheld But Not Disbursed			-$442
68. TOTAL DISBURSEMENTS			$1,609,154

Form LM-2 (Revised 2003)

SCHEDULE 1 - ACCOUNTS RECEIVABLE AGING SCHEDULE

FILE NUMBER: 019-823

There was no data found for this schedule.

SCHEDULE 2 - LOANS RECEIVABLE

FILE NUMBER: 019-823

There was no data found for this schedule.

SCHEDULE 3 - SALE OF INVESTMENTS AND FIXED ASSETS

FILE NUMBER: 019-823

Description (if land or buildings give location) (A)	Cost (B)	Book Value (C)	Gross Sales Price (D)	Amount Received (E)
Total of all lines	$124,891	$124,891	$125,000	$125,000
CORP BONDS	$124,891	$124,891	$125,000	$125,000

				14. Less Reinvestments	$0
(Net Sales total will automatically entered in Item 43)				15. Net Sales	$125,000

Form LM-2 (Revised 2003)

SCHEDULE 4 - PURCHASE OF INVESTMENTS AND FIXED ASSETS

FILE NUMBER: 019-823

Description (if land or buildings, give location) (A)	Cost (B)	Book Value (C)	Cash Paid (D)
Total of all lines	$362,171	$362,171	$321,693
OFFICE EQUIPMENT	$11,571	$11,571	$11,571
AUTO	$91,175	$91,175	$50,697
CORP BONDS	$259,425	$259,425	$259,425

		14. Less Reinvestments	$0
(Net Purchases total will automatically entered in Item 60)		15. Net Purchases	$321,693

Form LM-2 (Revised 2003)

SCHEDULE 5 - INVESTMENTS

FILE NUMBER: 019-823

Description (A)	Amount (B)
Marketable Securities
1. Total Cost	$585,705
2. Total Book Value	$584,971
3. List each marketable security which has a book value over $5000 and exceeds 5% of Line 2.

TELE-COMMUNICATION INC, 08/01/05, 7.250%	$50,108
CIT GROUP INC, 12/15/05, 4.200%	$49,940
MAGYAR BK, 05/25/06, 3.650%	$29,907
MIDLAND BANK, 06/15/06, 7.625%	$51,589
BENEFICIAL MSB, 05/11/07, 3.950%	$29,855
MERRILL LYNCH CO, 06/12//07, 5.000%	$51,169
VILLAGE BK & TR, 02/11/08, 3.700%	$49,171
INT'L LEASE FIN, 11/15/08, 3.550%	$48,449
CITIGROUP INC, 02/09/09, 3.625%	$49,174
BEAR STEARNS, 10/28/10, 4.500%	$50,266
WAL-MART STORES, 02/15/11, 4.125%	$49,747

Other Investments
4. Total Cost
5. Total Book Value
6. List each other investment which has a book value over $5000, of Line 5. Also list each Trust which is an investment.

7. Total of Lines 2 and 5 (Total will be automatically entered in Item 26, Column(B))

$584,971

Form LM-2 (Revised 2003)

SCHEDULE 6 - FIXED ASSETS

FILE NUMBER: 019-823

Description (A)	Cost or Other Basis (B)	Total Depreciation or Amount Expensed (C)	Book Value (D)	Value (E)
1. Land (give location)	$0		$0	$0

3. Buildings (give location)

5. Automobiles and Other Vehicles

$164,198

$48,063

$111,784

6. Office Furniture and Equipment

$92,220

$5,867

$27,566

7. Other Fixed Assets

8. Totals of Lines 1 through 7 (Column(D) Total will be automatically entered in Item 27, Column(B))

$256,418

$53,930

$139,350

Form LM-2 (Revised 2003)

SCHEDULE 7 - OTHER ASSETS

FILE NUMBER: 019-823

There was no data found for this schedule.

SCHEDULE 8 - ACCOUNTS PAYABLE AGING SCHEDULE

FILE NUMBER: 019-823

There was no data found for this schedule.

SCHEDULE 9 - LOANS PAYABLE

FILE NUMBER: 019-823

There was no data found for this schedule.

SCHEDULE 10 - OTHER LIABILITIES

FILE NUMBER: 019-823

Description (A)	Amount at End of Period (B)
Total Other Liabilities (Total will be automatically entered in Item 33, Column(D))	$1,734
PAYROLL WITHHOLDINGS	$1,734

Form LM-2 (Revised 2003)

SCHEDULE 11 - ALL OFFICERS AND DISBURSEMENTS TO OFFICERS

FILE NUMBER: 019-823

(A)
Name

(B)
Title

(D)
Gross Salary
Disbursements
(before any
deductions)

(E)
Allowances
Disbursed

(F)
Disbursements for Official Business

(G)
Other
Disbursements not reported in
(D) thru (F)

(H)
TOTAL

A
B
C

DAVID A CARDIMINO
BUS MANAGER / PRESIDENT
C

$91,630

$5,620

$2,241

$99,491

Schedule 15
Representational Activities

70 %

Schedule 16
Political Activities and Lobbying

15 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

5 %

Schedule 19
Administration

10 %

A
B
C

ROBERT R RUSSO JR
VICE PRESIDENT / AUDITOR
C

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

A
B
C

ERIC J MCGRATH
FINANCIAL SEC / TRUSTEE
C

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

A
B
C

PHILIP C CHAFFEE
TREASURER
C

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

A
B
C

JASON S ZIEBA
RECORDING SECRETARY
N

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

A
B
C

ANTHONY M CONSOLINI
RECORDING SECRETARY
P

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

A
B
C

ANTHONY HOLDEN
CONDUCTOR/AUDITOR/EXEC BD
C

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

A
B
C

JEFFREY R DOWNEY
GUARD
C

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

A
B
C

ROBERT MUCHA
AUDITOR
C

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

A
B
C

PAUL R MULLEN
EXECUTIVE BOARD
C

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

A
B
C

ROBERT O LUCIDO
EXECUTIVE BOARD
C

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

A
B
C

SCOTT A LANG
EXECUTIVE BOARD / TRUSTEE
C

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

A
B
C

RONALD W DeANGELIS
EXEC BD/AUDITOR
P

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

A
B
C

MICHAEL CHAPIN
TRUSTEE
C

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

Total Officer Disbursements	$91,630	$0	$5,620	$2,241	$99,491
Less Deductions					$25,170
Net Disbursements					$74,321

Form LM-2 (Revised 2003)

SCHEDULE 12 - DISBURSEMENTS TO EMPLOYEES

FILE NUMBER: 019-823

(A)
Name

(B)
Title

(D)
Gross Salary
Disbursements
(before any
deductions)

(E)
Allowances Disbursed

(F)
Disbursements for Official Business

(G)
Other Disbursements not reported in
(D) thru (F)

(H)
TOTAL

A
B
C

ROBERT O LUCIDO
BUSINESS REP
N/A

$72,675

$3,387

$1,364

$77,426

Schedule 15
Representational Activities

85 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

5 %

Schedule 19
Administration

10 %

A
B
C

EUGENE P MELVILLE, JR
BUSINESS REP
N/A

$71,101

$6,689

$1,461

$79,251

Schedule 15
Representational Activities

80 %

Schedule 16
Political Activities and Lobbying

5 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

5 %

Schedule 19
Administration

10 %

A
B
C

CHARLES P DESROCHER
ORGANIZER
N/A

$55,650

$4,035

$595

$60,280

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

A
B
C

PHILIP D OBRIEN
ORGANIZER
N/A

$55,997

$4,235

$866

$61,098

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

A
B
C

HENRY A SKORUPSKI, JR
BUSINESS REP
N/A

$58,987

$3,117

$289

$62,393

Schedule 15
Representational Activities

70 %

Schedule 16
Political Activities and Lobbying

15 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

5 %

Schedule 19
Administration

10 %

A
B
C

DEBORAH A ARIETTI
SECRETARY
N/A

$29,287

$33

$29,320

Schedule 15
Representational Activities

0 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

100 %

Schedule 19
Administration

0 %

A
B
C

ERIN F PERCOSKI
BOOKKEEPER
N/A

$40,832

Schedule 15
Representational Activities

0 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

100 %

Schedule 19
Administration

0 %

A
B
C

LISA D EDWARDS
SECRETARY
N/A

$33,513

Schedule 15
Representational Activities

0 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

50 %

Schedule 19
Administration

50 %

TOTALS RECEIVED BY EMPLOYEES MAKING LESS THAN $10000

$6,907

$266

$1,119

$8,292

Schedule 15
Representational Activities

100 %

Schedule 16
Political Activities and Lobbying

0 %

Schedule 17
Contributions

0 %

Schedule 18
General Overhead

0 %

Schedule 19
Administration

0 %

Total Employee Disbursements	$424,949	$0	$21,729	$5,727	$452,405
Less Deductions					$90,702
Net Disbursements					$361,703

Form LM-2 (Revised 2003)

SCHEDULE 13 - MEMBERSHIP STATUS

FILE NUMBER: 019-823

Category of Membership (A)	Number (B)	Voting Eligibility (C)
Members	1,291
Agency Fee Payers*
Total Members/Fee Payers	1,291
*Agency Fee Payers are not considered members of the labor organization.
FULL VOTING MEMBERSHIP	1,291	Yes

Form LM-2 (Revised 2003)

DETAILED SUMMARY PAGE - SCHEDULES 14 THROUGH 19

FILE NUMBER: 019-823

SCHEDULE 14 OTHER RECEIPTS
1. Named Payer Itemized Receipts	$86,360
2. Named Payer Non-itemized Receipts	$12,984
3. All Other Receipts	$14,618
4. Total Receipts	$113,962

SCHEDULE 17 CONTRIBUTIONS, GIFTS & GRANTS
1. Named Payee Itemized Disbursements	$0
2. Named Payee Non-itemized Disbursements	$0
3. To Officers	$0
4. To Employees	$0
5. All Other Disbursements	$17,779
6. Total Disbursements	$17,779

SCHEDULE 15 REPRESENTATIONAL ACTIVITIES
1. Named Payee Itemized Disbursements	$8,733
2. Named Payee Non-itemized Disbursements	$16,506
3. To Officers	$69,644
4. To Employees	$302,558
5. All Other Disbursements	$40,608
6. Total Disbursements	$438,049

SCHEDULE 18 GENERAL OVERHEAD
1. Named Payee Itemized Disbursements	$23,261
2. Named Payee Non-itemized Disbursements	$67,077
3. To Officers	$4,975
4. To Employees	$97,863
5. All Other Disbursements	$34,479
6. Total Disbursements	$227,655

SCHEDULE 16 POLITICAL ACTIVITIES AND LOBBYING
1. Named Payee Itemized Disbursements	$0
2. Named Payee Non-itemized Disbursements	$0
3. To Officers	$14,924
4. To Employees	$13,322
5. All Other Disbursements	$225
6. Total Disbursement	$28,471

SCHEDULE 19 UNION ADMINISTRATION
1. Named Payee Itemized Disbursements	$0
2. Named Payee Non-itemized Disbursements	$0
3. To Officers	$9,949
4. To Employees	$38,664
5. All Other Disbursements
6. Total Disbursements	$48,613

Form LM-2 (Revised 2003)

SCHEDULE 14 - OTHER RECEIPTS

FILE NUMBER: 019-823

Name and Address
(A)

INTERNATIONAL UNION OF OPERATING ENGINEERS

1125 SEVENTEENTH STREET, NW
WASHINGTON
DC
20036

Type or Classification
(B)

GRANT INCOME

Purpose (C)	Date (D)	Amount (E)
Total Itemized Transactions		$86,360
Total Non-Itemized Transactions
Total of All Transactions		$86,360
GRANT INCOME	07/09/2004	$7,448
GRANT INCOME	08/16/2004	$7,448
GRANT INCOME	9/10/2004	$7,448
GRANT INCOME	10/6/2004	$7,448
GRANT INCOME	11/26/2004	$7,071
GRANT INCOME	12/13/2004	$7,071
GRANT INCOME	01/14/2005	$7,071
GRANT INCOME	2/11/2005	$7,071
GRANT INCOME	3/17/2005	$7,071
GRANT INCOME	04/08/2005	$7,071
GRANT INCOME	05/19/2005	$7,071
GRANT INCOME	06/06/2005	$7,071

Name and Address
(A)

IUOE LOCAL 98 APPRENTICESHIP AND TRAINING FUND
217
2 CENTER SQUARE
EAST LONGMEADOW
MA

Type or Classification
(B)

BENEFIT FUND - WELFARE, PENSION, ANNUITY, ETC

Purpose (C)	Date (D)	Amount (E)
Total Itemized Transactions		$0
Total Non-Itemized Transactions		$12,984
Total of All Transactions		$12,984

Form LM-2 (Revised 2003)

SCHEDULE 15 - REPRESENTATIONAL ACTIVITIES

FILE NUMBER: 019-823

Name and Address
(A)

ONEBEACON
4002

WOBURN
MA
01888-4002

Type or Classification
(B)

INSURANCE BROKER / COMPANY

Purpose (C)	Date (D)	Amount (E)
Total Itemized Transactions		$8,733
Total Non-Itemized Transactions		$4,028
Total of All Transactions		$12,761
INSURANCE	12/28/2004	$8,733

Name and Address
(A)

SHERATON HOTELS

1111 WESTCHESTER AVE
WHITEPLAINS
NY
10604

Type or Classification
(B)

HOTEL

Purpose (C)	Date (D)	Amount (E)
Total Itemized Transactions		$0
Total Non-Itemized Transactions		$5,271
Total of All Transactions		$5,271

Name and Address
(A)

VERIZON WIRELESS
489

NEWARK
NJ
07101-0489

Type or Classification
(B)

TELEPHONE/CELLPHONE COMPANY

Purpose (C)	Date (D)	Amount (E)
Total Itemized Transactions		$0
Total Non-Itemized Transactions		$7,207
Total of All Transactions		$7,207

Form LM-2 (Revised 2003)

SCHEDULE 16 - POLITICAL ACTIVITIES AND LOBBYING

FILE NUMBER 019-823

There was no data found for this schedule.

SCHEDULE 17 - CONTRIBUTIONS, GIFTS & GRANTS

FILE NUMBER: 019-823

There was no data found for this schedule.

SCHEDULE 18 - GENERAL OVERHEAD

FILE NUMBER: 019-823

Name and Address
(A)

ONEBEACON
4002

WOBURN
MA
01888-4002

Type or Classification
(B)

INSURANCE BROKER / COMPANY