﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2023v5.1" xsi:schemaLocation="http://www.irs.gov/efile">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2024-11-22T08:49:57-08:00</ReturnTs>
    <TaxPeriodEndDt>2024-04-30</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>562392889</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>ANGELA N RADOSSI CPA LLC</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>12 ROUTE 17 NORTH SUITE 101</AddressLine1Txt>
        <CityNm>PARAMUS</CityNm>
        <StateAbbreviationCd>NJ</StateAbbreviationCd>
        <ZIPCd>07652</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2023-05-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>226042515</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>Scholarship Trust Fund of the</BusinessNameLine1Txt>
        <BusinessNameLine2Txt>Womans Club of Ridgewood NJ</BusinessNameLine2Txt>
      </BusinessName>
      <BusinessNameControlTxt>SCHO</BusinessNameControlTxt>
      <PhoneNum>2014453852</PhoneNum>
      <USAddress>
        <AddressLine1Txt>215 W Ridgewood Avenue</AddressLine1Txt>
        <CityNm>Ridgewood</CityNm>
        <StateAbbreviationCd>NJ</StateAbbreviationCd>
        <ZIPCd>07450</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>Samantha Bajraktari</PersonNm>
      <PersonTitleTxt>Chairwoman</PersonTitleTxt>
      <SignatureDt>2024-11-22</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>Angela N Radossi CPA</PreparerPersonNm>
      <PTIN>P00542113</PTIN>
      <PhoneNum>2012260034</PhoneNum>
    </PreparerPersonGrp>
    <TaxYr>2023</TaxYr>
    <BuildTS>2024-10-15 13:58:12Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="4">
    <IRS990PF documentId="IRS990PF" referenceDocumentId="GeneralExplanation" softwareId="23017517" softwareVersionNum="2023v5.1">
      <InitialReturnFormerPubChrtyInd>X</InitialReturnFormerPubChrtyInd>
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>0</FMVAssetsEOYAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AnalysisOfRevenueAndExpenses>
        <ContriRcvdRevAndExpnssAmt>6009</ContriRcvdRevAndExpnssAmt>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <InterestOnSavRevAndExpnssAmt>1068</InterestOnSavRevAndExpnssAmt>
        <InterestOnSavNetInvstIncmAmt>1068</InterestOnSavNetInvstIncmAmt>
        <InterestOnSavingsAdjNetIncmAmt>1068</InterestOnSavingsAdjNetIncmAmt>
        <DividendsRevAndExpnssAmt>15182</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>15182</DividendsNetInvstIncmAmt>
        <DividendsAdjNetIncmAmt>15182</DividendsAdjNetIncmAmt>
        <NetGainSaleAstRevAndExpnssAmt>-11219</NetGainSaleAstRevAndExpnssAmt>
        <GrossSalesPriceAmt>188371</GrossSalesPriceAmt>
        <TotalRevAndExpnssAmt>11040</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>16250</TotalNetInvstIncmAmt>
        <TotalAdjNetIncmAmt>16250</TotalAdjNetIncmAmt>
        <AccountingFeesRevAndExpnssAmt referenceDocumentId="AccountingFeesSchedule">1550</AccountingFeesRevAndExpnssAmt>
        <OtherExpensesRevAndExpnssAmt referenceDocumentId="OtherExpensesSchedule AmortizationSchedule">4291</OtherExpensesRevAndExpnssAmt>
        <OtherExpensesNetInvstIncmAmt>3210</OtherExpensesNetInvstIncmAmt>
        <TotOprExpensesRevAndExpnssAmt>5841</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>3210</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>0</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>18400</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>18400</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>24241</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>3210</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>18400</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>-13201</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>13040</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>16250</AdjustedNetIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <CashBOYAmt>70946</CashBOYAmt>
        <CashEOYAmt>41044</CashEOYAmt>
        <SavAndTempCashInvstBOYAmt>41761</SavAndTempCashInvstBOYAmt>
        <SavAndTempCashInvstEOYAmt>15394</SavAndTempCashInvstEOYAmt>
        <OtherInvestmentsBOYAmt>450617</OtherInvestmentsBOYAmt>
        <OtherInvestmentsEOYAmt referenceDocumentId="InvestmentsOtherSchedule2">511790</OtherInvestmentsEOYAmt>
        <TotalAssetsBOYAmt>563324</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>568228</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>0</TotalAssetsEOYFMVAmt>
        <TotalLiabilitiesEOYAmt>0</TotalLiabilitiesEOYAmt>
        <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
        <NoDonorRstrNetAssestsBOYAmt>513324</NoDonorRstrNetAssestsBOYAmt>
        <NoDonorRstrNetAssestsEOYAmt>518228</NoDonorRstrNetAssestsEOYAmt>
        <DonorRstrNetAssetsBOYAmt>50000</DonorRstrNetAssetsBOYAmt>
        <DonorRstrNetAssetsEOYAmt>50000</DonorRstrNetAssetsEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>563324</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>568228</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>563324</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>568228</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>563324</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>-13201</ExcessRevenueOverExpensesAmt>
        <OtherIncreasesAmt referenceDocumentId="OtherIncreasesSchedule">18105</OtherIncreasesAmt>
        <SubtotalAmt>568228</SubtotalAmt>
        <TotNetAstOrFundBalancesEOYAmt>568228</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <CapGainsLossTxInvstIncmDetail>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>2.0 shs Coca Cola Co</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-05-10</SoldDt>
          <GrossSalesPriceAmt>127</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>108</CostOrOtherBasisAmt>
          <GainOrLossAmt>19</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>19</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>27.0 shs Invesco S&amp;P 500 Pure Value</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-05-10</SoldDt>
          <GrossSalesPriceAmt>1952</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>2131</CostOrOtherBasisAmt>
          <GainOrLossAmt>-179</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-179</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1.0 sh UnitedHealth Gp</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-05-10</SoldDt>
          <GrossSalesPriceAmt>490</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>411</CostOrOtherBasisAmt>
          <GainOrLossAmt>79</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>79</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>5.0 shs Acushnet Holdings Corp.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>254</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>214</CostOrOtherBasisAmt>
          <GainOrLossAmt>40</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>40</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>29.0 shs Alphabet Inc</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>3557</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>3329</CostOrOtherBasisAmt>
          <GainOrLossAmt>228</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>228</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>4.0 shs Amgen Inc.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>917</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>987</CostOrOtherBasisAmt>
          <GainOrLossAmt>-70</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-70</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>4.0 shs Apple Inc.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>749</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>510</CostOrOtherBasisAmt>
          <GainOrLossAmt>239</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>239</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1.0 shs Arista Networks Inc.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>149</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>76</CostOrOtherBasisAmt>
          <GainOrLossAmt>73</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>73</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>8.0 shs Chubb Ltd</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>1553</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>1382</CostOrOtherBasisAmt>
          <GainOrLossAmt>171</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>171</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>20.0 shs Eaton Corp.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-06-16</SoldDt>
          <GrossSalesPriceAmt>3852</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>3041</CostOrOtherBasisAmt>
          <GainOrLossAmt>811</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>811</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>9.0 shs Fortinet Inc.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>643</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>369</CostOrOtherBasisAmt>
          <GainOrLossAmt>274</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>274</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>31.0 shs Hannon Armstrong</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>736</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>1370</CostOrOtherBasisAmt>
          <GainOrLossAmt>-634</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-634</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>4.0 shs J &amp; J</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>662</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>668</CostOrOtherBasisAmt>
          <GainOrLossAmt>-6</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-6</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>25.0 shs Nextera Energy Inc.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>1856</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>1897</CostOrOtherBasisAmt>
          <GainOrLossAmt>-41</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-41</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>5.0 shs Palo Alto Networks</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>1240</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>572</CostOrOtherBasisAmt>
          <GainOrLossAmt>668</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>668</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>11.0 shs Paypal Holdings</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>749</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>2731</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1982</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1982</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1.0 sh Stryker Corp.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>298</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>255</CostOrOtherBasisAmt>
          <GainOrLossAmt>43</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>43</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>10.0 shs TransUnion</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>740</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>1057</CostOrOtherBasisAmt>
          <GainOrLossAmt>-317</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-317</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>8.0 shs Voya Financial</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>557</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>553</CostOrOtherBasisAmt>
          <GainOrLossAmt>4</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>4</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1.0 sh Accenture PLC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2022-08-25</AcquiredDt>
          <SoldDt>2023-06-16</SoldDt>
          <GrossSalesPriceAmt>323</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>308</CostOrOtherBasisAmt>
          <GainOrLossAmt>15</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>15</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>24.0 shs Acushnet Holdings Corp.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2022-09-07</AcquiredDt>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>1220</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>1178</CostOrOtherBasisAmt>
          <GainOrLossAmt>42</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>42</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>4.0 shs Alphabet Inc</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>491</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>383</CostOrOtherBasisAmt>
          <GainOrLossAmt>108</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>108</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>7.0 shs Hannon Armstrong</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>166</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>236</CostOrOtherBasisAmt>
          <GainOrLossAmt>-70</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-70</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>2.0 shs J &amp; J</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2022-10-26</AcquiredDt>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>331</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>344</CostOrOtherBasisAmt>
          <GainOrLossAmt>-13</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-13</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>4.0 shs Nextera Energy Inc.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2022-12-13</AcquiredDt>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>297</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>346</CostOrOtherBasisAmt>
          <GainOrLossAmt>-49</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-49</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>2.0 shs Nike Inc.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2023-01-09</AcquiredDt>
          <SoldDt>2023-06-16</SoldDt>
          <GrossSalesPriceAmt>228</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>250</CostOrOtherBasisAmt>
          <GainOrLossAmt>-22</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-22</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>2.0 shs Prudential Financial</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-06-23</SoldDt>
          <GrossSalesPriceAmt>169</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>203</CostOrOtherBasisAmt>
          <GainOrLossAmt>-34</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-34</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>2.201shs Acushnet Holdings Corp.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-07-17</SoldDt>
          <GrossSalesPriceAmt>126</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>94</CostOrOtherBasisAmt>
          <GainOrLossAmt>32</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>32</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1.445 shs Arista Networks Inc.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-07-17</SoldDt>
          <GrossSalesPriceAmt>245</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>110</CostOrOtherBasisAmt>
          <GainOrLossAmt>135</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>135</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>3.61 shs Fortinet Inc.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-07-17</SoldDt>
          <GrossSalesPriceAmt>288</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>148</CostOrOtherBasisAmt>
          <GainOrLossAmt>140</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>140</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>.378 shs Mastercard Inc.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-07-17</SoldDt>
          <GrossSalesPriceAmt>152</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>142</CostOrOtherBasisAmt>
          <GainOrLossAmt>10</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>10</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1.963 shs Prudential Financial</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-07-17</SoldDt>
          <GrossSalesPriceAmt>182</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>199</CostOrOtherBasisAmt>
          <GainOrLossAmt>-17</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-17</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>74.0 shs Vanguard S/T Corporate</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-07-18</SoldDt>
          <GrossSalesPriceAmt>5615</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>6115</CostOrOtherBasisAmt>
          <GainOrLossAmt>-500</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-500</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1.529 shs Visa Inc.</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2021-05-04</AcquiredDt>
          <SoldDt>2023-07-17</SoldDt>
          <GrossSalesPriceAmt>374</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>354</CostOrOtherBasisAmt>
          <GainOrLossAmt>20</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>20</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>6.0 shs Analog Devices</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2023-06-23</AcquiredDt>
          <SoldDt>2023-07-17</SoldDt>
          <GrossSalesPriceAmt>1170</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>1119</CostOrOtherBasisAmt>
          <GainOrLossAmt>51</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>51</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>1.032 shs Cognizant Tech Solutions</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2023-06-23</AcquiredDt>
          <SoldDt>2023-07-17</SoldDt>
          <GrossSalesPriceAmt>70</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>64</CostOrOtherBasisAmt>
          <GainOrLossAmt>6</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>6</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>.105 shs Eli Lilly &amp; Co</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2023-06-23</AcquiredDt>
          <SoldDt>2023-07-17</SoldDt>
          <GrossSalesPriceAmt>47</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>48</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-08-31</SoldDt>
          <GrossSalesPriceAmt>14715</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>15113</CostOrOtherBasisAmt>
          <GainOrLossAmt>-398</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-398</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-08-31</SoldDt>
          <GrossSalesPriceAmt>8811</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>8986</CostOrOtherBasisAmt>
          <GainOrLossAmt>-175</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-175</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-09-30</SoldDt>
          <GrossSalesPriceAmt>201</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>172</CostOrOtherBasisAmt>
          <GainOrLossAmt>29</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>29</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-09-30</SoldDt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-10-31</SoldDt>
          <GrossSalesPriceAmt>56102</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>68515</CostOrOtherBasisAmt>
          <GainOrLossAmt>-12413</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-12413</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-10-31</SoldDt>
          <GrossSalesPriceAmt>5208</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>5630</CostOrOtherBasisAmt>
          <GainOrLossAmt>-422</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-422</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-11-30</SoldDt>
          <GrossSalesPriceAmt>568</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>527</CostOrOtherBasisAmt>
          <GainOrLossAmt>41</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>41</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-11-30</SoldDt>
          <GrossSalesPriceAmt>2237</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>2236</CostOrOtherBasisAmt>
          <GainOrLossAmt>1</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-12-31</SoldDt>
          <GrossSalesPriceAmt>3963</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>4347</CostOrOtherBasisAmt>
          <GainOrLossAmt>-384</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-384</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2023-12-31</SoldDt>
          <GrossSalesPriceAmt>7052</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>6718</CostOrOtherBasisAmt>
          <GainOrLossAmt>334</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>334</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2024-01-31</SoldDt>
          <GrossSalesPriceAmt>2515</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>2624</CostOrOtherBasisAmt>
          <GainOrLossAmt>-109</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-109</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2024-01-31</SoldDt>
          <GrossSalesPriceAmt>10250</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>8996</CostOrOtherBasisAmt>
          <GainOrLossAmt>1254</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1254</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2024-02-29</SoldDt>
          <GrossSalesPriceAmt>4693</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>3803</CostOrOtherBasisAmt>
          <GainOrLossAmt>890</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>890</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2024-02-29</SoldDt>
          <GrossSalesPriceAmt>8929</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>9846</CostOrOtherBasisAmt>
          <GainOrLossAmt>-917</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-917</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2024-03-31</SoldDt>
          <GrossSalesPriceAmt>1546</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>1715</CostOrOtherBasisAmt>
          <GainOrLossAmt>-169</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-169</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2024-03-31</SoldDt>
          <GrossSalesPriceAmt>2087</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>1650</CostOrOtherBasisAmt>
          <GainOrLossAmt>437</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>437</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2024-04-30</SoldDt>
          <GrossSalesPriceAmt>18274</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>17074</CostOrOtherBasisAmt>
          <GainOrLossAmt>1200</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1200</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Morgan Stanley</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <SoldDt>2024-04-30</SoldDt>
          <GrossSalesPriceAmt>8645</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>8336</CostOrOtherBasisAmt>
          <GainOrLossAmt>309</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>309</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>Wash Sale</PropertyDesc>
          <GainOrLossAmt>317</GainOrLossAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapitalGainNetIncomeAmt>-10902</CapitalGainNetIncomeAmt>
        <NetShortTermCapitalGainLossAmt>-9618</NetShortTermCapitalGainLossAmt>
      </CapGainsLossTxInvstIncmDetail>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>181</InvestmentIncomeExciseTaxAmt>
        <SubtotalAmt>181</SubtotalAmt>
        <TaxBasedOnInvestmentIncomeAmt>181</TaxBasedOnInvestmentIncomeAmt>
        <ExtsnRequestIncomeTaxPaidAmt>226</ExtsnRequestIncomeTaxPaidAmt>
        <TotalPaymentsAndCreditsAmt>226</TotalPaymentsAndCreditsAmt>
        <OverpaymentAmt>45</OverpaymentAmt>
        <AppliedToESTaxAmt>45</AppliedToESTaxAmt>
      </ExciseTaxBasedOnInvstIncmGrp>
      <StatementsRegardingActyGrp>
        <LegislativePoliticalActyInd>false</LegislativePoliticalActyInd>
        <MoreThan100SpentInd>false</MoreThan100SpentInd>
        <Form1120POLFiledInd>false</Form1120POLFiledInd>
        <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd>false</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
        <Section508eRqrSatisfiedInd>false</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>true</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>NJ</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd>true</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <PersonsWithBooksName>
          <BusinessNameLine1Txt>Leila Kamel</BusinessNameLine1Txt>
        </PersonsWithBooksName>
        <PhoneNum>2018513262</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>215 W Ridgewood Avenue</AddressLine1Txt>
          <CityNm>Ridgewood</CityNm>
          <StateAbbreviationCd>NJ</StateAbbreviationCd>
          <ZIPCd>07450</ZIPCd>
        </LocationOfBooksUSAddress>
        <ForeignAccountsQuestionInd>false</ForeignAccountsQuestionInd>
      </StatementsRegardingActyGrp>
      <StatementsRegardingActy4720Grp>
        <SaleOrExchDisqualifiedPrsnInd>false</SaleOrExchDisqualifiedPrsnInd>
        <BrrwOrLendDisqualifiedPrsnInd>false</BrrwOrLendDisqualifiedPrsnInd>
        <FurnGoodsDisqualifiedPrsnInd>false</FurnGoodsDisqualifiedPrsnInd>
        <PayCompDisqualifiedPrsnInd>false</PayCompDisqualifiedPrsnInd>
        <TransferAstDisqualifiedPrsnInd>false</TransferAstDisqualifiedPrsnInd>
        <PaymentToGovernmentOfficialInd>false</PaymentToGovernmentOfficialInd>
        <ActsFailToQlfyAsExceptionsInd>false</ActsFailToQlfyAsExceptionsInd>
        <UncorrectedPriorActsInd>false</UncorrectedPriorActsInd>
        <UndistributedIncomePYInd>false</UndistributedIncomePYInd>
        <BusinessHoldingsInd>false</BusinessHoldingsInd>
        <JeopardyInvestmentsInd>false</JeopardyInvestmentsInd>
        <UncorrectedPYJeopardyInvstInd>false</UncorrectedPYJeopardyInvstInd>
        <InfluenceLegislationInd>false</InfluenceLegislationInd>
        <InfluenceElectionInd>false</InfluenceElectionInd>
        <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
        <GrantsToOrganizationsInd>false</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>false</NoncharitablePurposeInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
        <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
        <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
        <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
      </StatementsRegardingActy4720Grp>
      <OfficerDirTrstKeyEmplInfoGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>Samantha Bajraktari</PersonNm>
          <USAddress>
            <AddressLine1Txt>215 W Ridgewood Avenue</AddressLine1Txt>
            <CityNm>Ridgewood</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07450</ZIPCd>
          </USAddress>
          <TitleTxt>Chairwoman</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>Leila Kamel</PersonNm>
          <USAddress>
            <AddressLine1Txt>215 W Ridgewood Avenue</AddressLine1Txt>
            <CityNm>Ridgewood</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07450</ZIPCd>
          </USAddress>
          <TitleTxt>Treasurer</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>Andrea Rademacher</PersonNm>
          <USAddress>
            <AddressLine1Txt>215 W Ridgewood Avenue</AddressLine1Txt>
            <CityNm>Ridgewood</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07450</ZIPCd>
          </USAddress>
          <TitleTxt>Publicity</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>Heather Vimba</PersonNm>
          <USAddress>
            <AddressLine1Txt>215 W Ridgewood Avenue</AddressLine1Txt>
            <CityNm>Ridgewood</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07450</ZIPCd>
          </USAddress>
          <TitleTxt>Rec. Secretary</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>Mary Ellis</PersonNm>
          <USAddress>
            <AddressLine1Txt>215 W Ridgewood Avenue</AddressLine1Txt>
            <CityNm>Ridgewood</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07450</ZIPCd>
          </USAddress>
          <TitleTxt>Corr Secretary</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>0</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>0</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>0</TotalFMVOfUnusedAssetsAmt>
        <ReductionClaimedAmt>0</ReductionClaimedAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>0</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>0</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>0</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>0</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <TaxBasedOnInvestmentIncomeAmt>181</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>181</TotalTaxAmt>
        <DistributableBeforeAdjAmt>181</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>181</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>0</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>18400</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>18400</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>0</DistributableAsAdjustedAmt>
        <QualifyingDistributionsAmt>18400</QualifyingDistributionsAmt>
        <TreatedAsDistriFromCorpusAmt>0</TreatedAsDistriFromCorpusAmt>
        <RemainingDistriFromCorpusAmt>18400</RemainingDistriFromCorpusAmt>
        <TotalCorpusAmt>18400</TotalCorpusAmt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <ExcessDistriCyovToNextYrAmt>18400</ExcessDistriCyovToNextYrAmt>
        <ExcessFromCurrentYearAmt>18400</ExcessFromCurrentYearAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <ApplicationSubmissionInfoGrp>
          <RecipientPersonNm>Scholarship Trust Fund of the Woman</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>215 W Ridgewood Avenue</AddressLine1Txt>
            <CityNm>Ridgewood</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07450</ZIPCd>
          </RecipientUSAddress>
          <RecipientPhoneNum>2014445722</RecipientPhoneNum>
          <RecipientEmailAddressTxt>leila.kamel@icloud.com</RecipientEmailAddressTxt>
          <FormAndInfoAndMaterialsTxt>Request application from Scholarship Fund</FormAndInfoAndMaterialsTxt>
          <SubmissionDeadlinesTxt>Annually in spring</SubmissionDeadlinesTxt>
          <RestrictionsOnAwardsTxt>Need based</RestrictionsOnAwardsTxt>
        </ApplicationSubmissionInfoGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>Various</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>215 W Ridgewood Avenue</AddressLine1Txt>
            <CityNm>Ridgewood</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07450</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>Coll. Students</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>College Education</GrantOrContributionPurposeTxt>
          <Amt>18400</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>18400</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <RelatedOrExemptFunctionIncmAmt>1068</RelatedOrExemptFunctionIncmAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DividendsAndInterestFromSecDtl>
          <RelatedOrExemptFunctionIncmAmt>15182</RelatedOrExemptFunctionIncmAmt>
        </DividendsAndInterestFromSecDtl>
        <GainSalesAstOthThanInvntryGrp>
          <RelatedOrExemptFunctionIncmAmt>-11219</RelatedOrExemptFunctionIncmAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <RelatedOrExemptFunctionIncmAmt>5031</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>5031</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <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>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <AccountingFeesSchedule documentId="AccountingFeesSchedule" softwareId="23017517" softwareVersionNum="2023v5.1">
      <AccountingFeesDetail>
        <CategoryTxt>Accounting Fees</CategoryTxt>
        <Amt>1550</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>0</AdjustedNetIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <InvestmentsOtherSchedule2 documentId="InvestmentsOtherSchedule2" softwareId="23017517" softwareVersionNum="2023v5.1">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>Exxon Mobil shares</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>132226</BookValueAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>Morgan Stanley</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>FMV</ListedAtCostOrFMVCd>
        <BookValueAmt>379564</BookValueAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
    <OtherExpensesSchedule documentId="OtherExpensesSchedule" softwareId="23017517" softwareVersionNum="2023v5.1">
      <OtherExpensesScheduleGrp>
        <Desc>Business Registration</Desc>
        <RevenueAndExpensesPerBooksAmt>60</RevenueAndExpensesPerBooksAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>Insurance</Desc>
        <RevenueAndExpensesPerBooksAmt>615</RevenueAndExpensesPerBooksAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>Investment Advisory Fees</Desc>
        <RevenueAndExpensesPerBooksAmt>3210</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>3210</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>Office Supplies</Desc>
        <RevenueAndExpensesPerBooksAmt>406</RevenueAndExpensesPerBooksAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
  </ReturnData>
</Return>