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          <FormAndInfoAndMaterialsTxt>DIGITAL FORMAT REQUIRED; PROPOSALS MUST INCLUDE COVER PAGE, BACKGROUND, PROGRAM NARRATIVE AND APPENDICES. SEE THE ORGANIZATION'S WEBISTE WWW.MONTCLAIRFUNDFORWOMEN.ORG FOR MORE INFORMATION.</FormAndInfoAndMaterialsTxt>
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            <AddressLine1Txt>228 BLOOMFIELD AVE</AddressLine1Txt>
            <CityNm>MONTCLAIR</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07042</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>EXEMPT</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>THE SIDE DOOR AT UNION CONGREGATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>176 COOPER AVE</AddressLine1Txt>
            <CityNm>MONTCLAIR</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07042</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>EXEMPT</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>TONI'S KITCHEN</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>73 SOUTH FULLERTON AVE</AddressLine1Txt>
            <CityNm>MONTCLAIR</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07042</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>EXEMPT</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>2000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>VOLUNTEER LAWYERS FOR JUSTICE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 32040</AddressLine1Txt>
            <CityNm>NEWARK</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07102</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>EXEMPT</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>8000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>WE'VE GOT FRIENDS</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 43471</AddressLine1Txt>
            <CityNm>MONTCLAIR</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07042</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>EXEMPT</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>3500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>YWCA EASTERN UNION COUNTY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 462</AddressLine1Txt>
            <CityNm>KENILWORTH</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07033</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>EXEMPT</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>GENERAL CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>88000</TotalGrantOrContriPdDurYrAmt>
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        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>59439</ExclusionAmt>
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          <ExclusionCd>18</ExclusionCd>
          <ExclusionAmt>734547</ExclusionAmt>
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        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>793986</ExclusionAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>793986</TotalIncomeProducingActyAmt>
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      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
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        <BondNm>THOMSON REUTERS CORP 4.3%</BondNm>
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      <InvestmentsCorporateBondsGrp>
        <BondNm>AFLAC INC</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
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      <InvestmentsCorporateBondsGrp>
        <BondNm>BANK OF MELLON 3.5% 4/28/23</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>BANK OF NOVA SCOTIA 3.40000%2-11-20</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>BOEING CAPITAL 2.125% 3/1/23</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>BUNGE LTD FINANCE CORP 4.35000%3-15</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>CATERPILLAR FINL SERVICE 3.30000%6-</BondNm>
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      <InvestmentsCorporateBondsGrp>
        <BondNm>CBOE GLOBAL MARKETS INC 3.65000%1-1</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>CHUBB INA HOLDINGS INC 3.35000%5-15</BondNm>
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      <InvestmentsCorporateBondsGrp>
        <BondNm>COMCAST CORP</BondNm>
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      <InvestmentsCorporateBondsGrp>
        <BondNm>CONSUMERS ENERGY CO 3.12500%8-31-20</BondNm>
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        <BondNm>EATON VANCE CORP 3.625%</BondNm>
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      <InvestmentsCorporateBondsGrp>
        <BondNm>FLORIDA POWER &amp; LIGHT 3.25000%</BondNm>
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        <BondNm>GILEAD SCIENCES INC</BondNm>
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        <BondNm>HOME DEPOT INC</BondNm>
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        <BondNm>INTERCONTINENTALEXCHANGE GROUP INC S</BondNm>
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      <InvestmentsCorporateBondsGrp>
        <BondNm>JPMORGAN CHASE &amp; CO 3.12500%1-23-20</BondNm>
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      <InvestmentsCorporateBondsGrp>
        <BondNm>LABORATORY CORPORATION OF AMERICA HO</BondNm>
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      <InvestmentsCorporateBondsGrp>
        <BondNm>LOCKHEED MARTIN CORP 2.90000%3-1-20</BondNm>
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      <InvestmentsCorporateBondsGrp>
        <BondNm>MARTIN MARIETTA 0.65000%7-15-202357</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>MEDTRONIC</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>METLIFE INC 3.60000%11-13-202559156</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>NASDAQ INC 3.85000%6-30-2026631103A</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ORACLE CORP SENIOR NOTES 3.40000%7-8</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>PRAXAIR INC 2.65000%2-5-202574005PB</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>SALESFORCE.COM INC 0.62500%7-15-202</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>UNITED PARCEL SERVICE 3.9000%</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>UNITED HEALTH GROUP 3.5% 6/15/23</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>US BANCORP 3.15000%04-27-202791159H</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>VISA INC 3.15000%12-14-202592826CAD</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>VULCAN MATERIALS CO 3.90000%4-1-202</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>WISCONSIN ELECTRIC POWER 2.05000%12</BondNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ADOBE</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ALPHABET INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>AMAZON.COM INC.</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>AON PLC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>APPLE</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ASML HOLDING</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>BANK OF AMERICA</StockNm>
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        <StockNm>CDW CORP</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CHUBB LTD</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CHURCH &amp; DWIGHT</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>CME GROUP</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>DANAHER</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>DISNEY WALT CO</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>EDWARDS LIFESCIENCES</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>FIDELITY NATIONAL INFORMATION</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>FISERV</StockNm>
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        <StockNm>HOME DEPOT</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>INTUIT</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>JP MORGAN CHASE</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>LOWES CO INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MICROSOFT</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MOODYS</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>MOTOROLA SOLUTIONS INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NEXTERA ENERGY</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NEUBERGER &amp; BERMAN</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>RAYTHEON TECHNOLOGIES CORP</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>ROPER INDUSTRIES</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>STRYKER CORP</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>TARGET</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>TJX COMPANIES</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>TRANSUNION COM</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>UNION PACIFIC CORP</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>UNITEDHEALTH GROUP</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VISA INC CL A</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WELLS FARGO</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>WEX INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>FIRST REPUBLIC BANK-CA PREF SERIES L</StockNm>
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    <InvestmentsOtherSchedule2 documentId="RetDoc4">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>MONEY MARKET FUNDS</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>14311</BookValueAmt>
        <EOYFMVAmt>14311</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>CHARLES SCHWAB US MI-CAP ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>307942</BookValueAmt>
        <EOYFMVAmt>307942</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES BROAD USD HIGH YEILD COR</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>207478</BookValueAmt>
        <EOYFMVAmt>207478</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES CORE MSCI EMERGING MARKET</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>74915</BookValueAmt>
        <EOYFMVAmt>74915</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES CORE S&amp;P S,A;;-CAP ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>210510</BookValueAmt>
        <EOYFMVAmt>210510</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ISHARES TR 1-5 YEAR INVESTMENT GRADE</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>406978</BookValueAmt>
        <EOYFMVAmt>406978</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SCHWAB INTERMEDIATE TERM US TREAS</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>277453</BookValueAmt>
        <EOYFMVAmt>277453</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SCHWAB INTERNATIONAL EQUITY ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>178542</BookValueAmt>
        <EOYFMVAmt>178542</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SCHWAB US DIVIDEND EQUITY ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>413162</BookValueAmt>
        <EOYFMVAmt>413162</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SCHWAB US TIPS ETF</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>128730</BookValueAmt>
        <EOYFMVAmt>128730</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>SCHWAB S&amp;P 500 INDEX FUND</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>406767</BookValueAmt>
        <EOYFMVAmt>406767</EOYFMVAmt>
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        <Desc>ACCRUED INT AND DIVIDENDS RECEIVABLE</Desc>
        <BOYBookValueAmt>6029</BOYBookValueAmt>
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      <OtherAssetsScheduleGrp>
        <Desc>INTEREST IN CHARITABLE REMAIN TRUST</Desc>
        <BOYBookValueAmt>323120</BOYBookValueAmt>
        <EOYBookValueAmt>274936</EOYBookValueAmt>
        <EOYFMVAmt>274936</EOYFMVAmt>
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      <OtherDecreasesDetail>
        <Desc>UNREALIZED LOSSES</Desc>
        <Amt>1067547</Amt>
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      <OtherDecreasesDetail>
        <Desc>CHANGE IN PRESENT VALUE OF SPLIT INTEREST AGREEMEN</Desc>
        <Amt>48185</Amt>
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      <OtherExpensesScheduleGrp>
        <Desc>EXPENSES</Desc>
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      <OtherExpensesScheduleGrp>
        <Desc>SUPPLIES</Desc>
        <RevenueAndExpensesPerBooksAmt>917</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>917</DisbursementsCharitablePrpsAmt>
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      <OtherExpensesScheduleGrp>
        <Desc>DUES AND SUBSCRIPTIONS</Desc>
        <RevenueAndExpensesPerBooksAmt>1830</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>1830</DisbursementsCharitablePrpsAmt>
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      <OtherExpensesScheduleGrp>
        <Desc>WEBSITE</Desc>
        <RevenueAndExpensesPerBooksAmt>60</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>60</DisbursementsCharitablePrpsAmt>
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      <OtherExpensesScheduleGrp>
        <Desc>INSURANCE</Desc>
        <RevenueAndExpensesPerBooksAmt>1258</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>1258</DisbursementsCharitablePrpsAmt>
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      <OtherExpensesScheduleGrp>
        <Desc>BANK CHARGES</Desc>
        <RevenueAndExpensesPerBooksAmt>1105</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>1105</DisbursementsCharitablePrpsAmt>
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        <RevenueAndExpensesPerBooksAmt>509</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>509</DisbursementsCharitablePrpsAmt>
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