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          <FormAndInfoAndMaterialsTxt>A LETTER SUBMITTED TO TRUSTEES LISTING NAME, ADDRESS AND TELEPHONE NUMBER OF ORGANIZATION AND SUMMARY OF ORGANIZATION'S PURPOSES AND PROGRAMS.</FormAndInfoAndMaterialsTxt>
          <SubmissionDeadlinesTxt>NONE</SubmissionDeadlinesTxt>
          <RestrictionsOnAwardsTxt>RESTRICTED TO EDUCATIONAL INSTITUTIONS, RELIGIOUS ORGANIZATIONS, ORGANIZATIONS DEVOTED TO CONSERVATION, PRESERVATION AND PROTECTION OF THE ENVIRONMENT AND ENVIRONMENTAL SUSTAINABILITY, MEDICAL AND SCIENTIFIC RESEARCH INSTITUTIONS AND COMMUNITY HEALTH RELATED ASSOCIATIONS, INSTITUTIONS PROVIDING ASSISTANCE TO THE NEEDY AND AT RISK YOUTH ORGANIZATIONS WORKING TO ALLOW INDIVIDUALS TO LIVE A PRODUCTIVE AND HEALTHY LIFESTYLE AND OTHER INSTITUTIONS PROVIDING ASSISTANCE FOR QUALIFYING CHARITABLE PURPOSES.</RestrictionsOnAwardsTxt>
        </ApplicationSubmissionInfoGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ADIRONDACK EXPERIENCE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>9097 STATE ROUTE 30 PO BOX 99</AddressLine1Txt>
            <CityNm>BLUE MOUNTAIN LAKE</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>128120099</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PUBLIC CHARITY</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO ACCOMPLISH THE CHARITABLE PURPOSE OF THE FOUNDATION - CHARITABLE/RELIGIOUS/EDUCATIONAL</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>BONNIE BRAE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>3415 VALLEY ROAD PO BOX 825</AddressLine1Txt>
            <CityNm>LIBERTY CORNER</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>079380825</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PUBLIC CHARITY</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO ACCOMPLISH THE CHARITABLE PURPOSE OF THE FOUNDATION - CHARITABLE/RELIGIOUS/EDUCATIONAL</GrantOrContributionPurposeTxt>
          <Amt>20000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>BRIDGES BALTIMORE INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>540 E BELVEDERE AVE SUITE 201</AddressLine1Txt>
            <CityNm>BALTIMORE</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21285</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PUBLIC CHARITY</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO ACCOMPLISH THE CHARITABLE PURPOSE OF THE FOUNDATION - CHARITABLE/RELIGIOUS/EDUCATIONAL</GrantOrContributionPurposeTxt>
          <Amt>8000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ENOCH PRATT FREE LIBRARY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>400 CATHEDRAL STREET</AddressLine1Txt>
            <CityNm>BALTIMORE</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21201</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PUBLIC CHARITY</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO ACCOMPLISH THE CHARITABLE PURPOSE OF THE FOUNDATION - CHARITABLE/RELIGIOUS/EDUCATIONAL</GrantOrContributionPurposeTxt>
          <Amt>11000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>EVERY MOTHER COUNTS</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>333 HUDSON STREET SUITE 1006</AddressLine1Txt>
            <CityNm>NEW YORK</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>10013</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PUBLIC CHARITY</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO ACCOMPLISH THE CHARITABLE PURPOSE OF THE FOUNDATION- CHARTIABLE/MEDICAL/EDUCATIONAL</GrantOrContributionPurposeTxt>
          <Amt>3000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>FOUNDATION FOR MORRISTOWN MEDICAL CENTER</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>475 SOUTH STREET</AddressLine1Txt>
            <CityNm>MORRISTOWN</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07962</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PUBLIC CHARITY</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO ACCOMPLISH THE CHARITABLE PURPOSE OF THE FOUNDATION - CHARITABLE/MEDICAL/EDUCATIONAL</GrantOrContributionPurposeTxt>
          <Amt>15000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>NY COMMUNITY FRIDGE CORP</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>1760 2ND AVENUE SUITE 20F</AddressLine1Txt>
            <CityNm>NEW YORK</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>10128</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PUBLIC CHARITY</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO ACCOMPLISH THE CHARITABLE PURPOSE OF THE FOUNDATION - CHARITABLE/MEDICAL/EDUCATIONAL</GrantOrContributionPurposeTxt>
          <Amt>1500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>THE LUSTGARTEN FOUNDATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>415 CROSSWAYS PARK DRIVE SUITE D</AddressLine1Txt>
            <CityNm>WOODBURY</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11797</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PUBLIC CHARITY</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO ACCOMPLISH THE CHARITABLE PURPOSE OF THE FOUNDATION - CHARITABLE/MEDICAL/EDUCATIONAL</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>MARYLAND ART PLACE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>218 WEST SARATOGA STREET</AddressLine1Txt>
            <CityNm>BALTIMORE</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21201</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PUBLIC CHARITY</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO ACCOMPLISH THE CHARITABLE PURPOSE OF THE FOUNDATION - CHARITABLE/EDUCATIONAL</GrantOrContributionPurposeTxt>
          <Amt>11000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ST JOHN ON THE MOUNTAIN CHURCH</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>379 MOUNT HARMONY ROAD</AddressLine1Txt>
            <CityNm>BERNARDSVILLE</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07924</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PUBLIC CHARITY</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>TO ACCOMPLISH THE CHARITABLE PURPOSE OF THE FOUNDATION - CHARITABLE/RELIGIOUS/EDUCATIONAL</GrantOrContributionPurposeTxt>
          <Amt>20000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>104500</TotalGrantOrContriPdDurYrAmt>
        <TotalGrantOrContriApprvFutAmt>0</TotalGrantOrContriApprvFutAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>1720</ExclusionAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>43658</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>18</ExclusionCd>
          <ExclusionAmt>57956</ExclusionAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <UnrelatedBusinessTaxblIncmAmt>0</UnrelatedBusinessTaxblIncmAmt>
          <ExclusionAmt>103334</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>0</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>103334</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>0</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>0</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>0</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>0</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>0</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>0</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>0</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>0</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>0</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>0</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <AccountingFeesSchedule documentId="RetDoc2002200001">
      <AccountingFeesDetail>
        <CategoryTxt>TAX PREPARATION</CategoryTxt>
        <Amt>1550</Amt>
        <NetInvestmentIncomeAmt>775</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>775</DisbursementsCharitablePrpsAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc2018900001">
      <InvestmentsCorporateStockGrp>
        <StockNm>325 SHS AMERICAN EXPRESS CO</StockNm>
        <EOYBookValueAmt>15380</EOYBookValueAmt>
        <EOYFMVAmt>60886</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1260 SHS APPLE INC</StockNm>
        <EOYBookValueAmt>16287</EOYBookValueAmt>
        <EOYFMVAmt>242588</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>190 SHS BIOGEN INC</StockNm>
        <EOYBookValueAmt>2258</EOYBookValueAmt>
        <EOYFMVAmt>49166</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>575 SHS BRISTOL MYERS SQUIBB CO</StockNm>
        <EOYBookValueAmt>14806</EOYBookValueAmt>
        <EOYFMVAmt>29503</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>150 SHS CHEVRON CORP</StockNm>
        <EOYBookValueAmt>32</EOYBookValueAmt>
        <EOYFMVAmt>22374</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>2907 SHS CHUBB LTD CHF</StockNm>
        <EOYBookValueAmt>197174</EOYBookValueAmt>
        <EOYFMVAmt>656982</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>450 SHS COCA COLA CO COM</StockNm>
        <EOYBookValueAmt>14605</EOYBookValueAmt>
        <EOYFMVAmt>26519</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1800 SHS CSX CORPORATION</StockNm>
        <EOYBookValueAmt>14937</EOYBookValueAmt>
        <EOYFMVAmt>62406</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>165 SHS DEERE AND CO</StockNm>
        <EOYBookValueAmt>16107</EOYBookValueAmt>
        <EOYFMVAmt>65979</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>180 SHS EXXON MOBIL CORP</StockNm>
        <EOYBookValueAmt>68</EOYBookValueAmt>
        <EOYFMVAmt>17996</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>400 SHS GENL MILLS INC</StockNm>
        <EOYBookValueAmt>14661</EOYBookValueAmt>
        <EOYFMVAmt>26056</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>650 SHS INTEL CORP</StockNm>
        <EOYBookValueAmt>14338</EOYBookValueAmt>
        <EOYFMVAmt>32663</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1480 SHS INTL BUSINESS MACH</StockNm>
        <EOYBookValueAmt>29448</EOYBookValueAmt>
        <EOYFMVAmt>242054</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>325 SHS JPMORGAN CHASE &amp; CO</StockNm>
        <EOYBookValueAmt>15433</EOYBookValueAmt>
        <EOYFMVAmt>55282</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>225 SHS KIMBERLY CLARK CORP</StockNm>
        <EOYBookValueAmt>14389</EOYBookValueAmt>
        <EOYFMVAmt>27340</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>377 SHS MICROSOFT CORP</StockNm>
        <EOYBookValueAmt>6970</EOYBookValueAmt>
        <EOYFMVAmt>141767</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>225 SHS PEPSICO INC</StockNm>
        <EOYBookValueAmt>14685</EOYBookValueAmt>
        <EOYFMVAmt>38214</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>225 SHS PROCTER &amp; GAMBLE CO</StockNm>
        <EOYBookValueAmt>14868</EOYBookValueAmt>
        <EOYFMVAmt>32971</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>24000 SHS EATON VANCE TAX MANAGED</StockNm>
        <EOYBookValueAmt>306870</EOYBookValueAmt>
        <EOYFMVAmt>311520</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>905 SHS VANGUARD S&amp;P 500 ETF</StockNm>
        <EOYBookValueAmt>238989</EOYBookValueAmt>
        <EOYFMVAmt>395304</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>8399.958 SHS BLACKROCK ADVANTAGE LARGE CAP CORE FUND</StockNm>
        <EOYBookValueAmt>86061</EOYBookValueAmt>
        <EOYFMVAmt>168167</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <OtherExpensesSchedule documentId="RetDoc2003200001">
      <OtherExpensesScheduleGrp>
        <Desc>UBS ACCOUNT MANAGEMENT FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>175</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>88</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>87</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>MARGIN INTEREST -UBS</Desc>
        <RevenueAndExpensesPerBooksAmt>187</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>187</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>MISC FEES -UBS</Desc>
        <RevenueAndExpensesPerBooksAmt>5</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>5</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncreasesSchedule documentId="RetDoc2049700001">
      <OtherIncreasesDetail>
        <Desc>BOOK TO TAX DIFFERENCES</Desc>
        <Amt>906</Amt>
      </OtherIncreasesDetail>
      <OtherIncreasesDetail>
        <Desc>NON-DIVIDEND DISTRIBUTIONS</Desc>
        <Amt>11910</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
  </ReturnData>
</Return>