﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2023v6.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2025-02-24T10:43:35-05:00</ReturnTs>
    <TaxPeriodEndDt>2024-09-30</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>472401657</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>SHERMAN SPERO SAFARINO &amp; CO CPAS PC</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>760 LYNNHAVEN PKWY STE 108</AddressLine1Txt>
        <CityNm>VIRGINIA BEACH</CityNm>
        <StateAbbreviationCd>VA</StateAbbreviationCd>
        <ZIPCd>234527332</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2023-10-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>510217380</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>ARMOND &amp; ROSE CAPLAN FOUNDATION</BusinessNameLine1Txt>
      </BusinessName>
      <BusinessNameControlTxt>ARMO</BusinessNameControlTxt>
      <PhoneNum>7576231062</PhoneNum>
      <USAddress>
        <AddressLine1Txt>4701 COLUMBUS STREET STE 300</AddressLine1Txt>
        <CityNm>VIRGINIA BEACH</CityNm>
        <StateAbbreviationCd>VA</StateAbbreviationCd>
        <ZIPCd>23462</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>STEPHEN R CAPLAN</PersonNm>
      <PersonTitleTxt>DIRECTOR &amp; SECRETARY</PersonTitleTxt>
      <PhoneNum>7576231062</PhoneNum>
      <SignatureDt>2025-02-04</SignatureDt>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>false</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>BARRY W CHEATHAM</PreparerPersonNm>
      <PTIN>P00375297</PTIN>
      <PhoneNum>7574682279</PhoneNum>
      <PreparationDt>2025-02-24</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2023</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="5">
    <IRS990PF documentId="RetDoc5">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>2243400</FMVAssetsEOYAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AnalysisOfRevenueAndExpenses>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <InterestOnSavRevAndExpnssAmt>29115</InterestOnSavRevAndExpnssAmt>
        <InterestOnSavNetInvstIncmAmt>29115</InterestOnSavNetInvstIncmAmt>
        <InterestOnSavingsAdjNetIncmAmt>29115</InterestOnSavingsAdjNetIncmAmt>
        <DividendsRevAndExpnssAmt>71869</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>71869</DividendsNetInvstIncmAmt>
        <DividendsAdjNetIncmAmt>71869</DividendsAdjNetIncmAmt>
        <TotalRevAndExpnssAmt>100984</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>100984</TotalNetInvstIncmAmt>
        <TotalAdjNetIncmAmt>100984</TotalAdjNetIncmAmt>
        <TaxesRevAndExpnssAmt referenceDocumentId="RetDoc4">2249</TaxesRevAndExpnssAmt>
        <TotOprExpensesRevAndExpnssAmt>2249</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>0</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>0</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>132142</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>132142</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>134391</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>0</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>132142</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>-33407</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>100984</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>100984</AdjustedNetIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <CashBOYAmt>83313</CashBOYAmt>
        <CashEOYAmt>4267</CashEOYAmt>
        <CashEOYFMVAmt>4267</CashEOYFMVAmt>
        <SavAndTempCashInvstBOYAmt>1187288</SavAndTempCashInvstBOYAmt>
        <SavAndTempCashInvstEOYAmt>1226799</SavAndTempCashInvstEOYAmt>
        <SavAndTempCashInvstEOYFMVAmt>1226799</SavAndTempCashInvstEOYFMVAmt>
        <USGovernmentObligationsBOYAmt>37978</USGovernmentObligationsBOYAmt>
        <USGovernmentObligationsEOYAmt referenceDocumentId="RetDoc2">32812</USGovernmentObligationsEOYAmt>
        <USGovtObligationsEOYFMVAmt>33469</USGovtObligationsEOYFMVAmt>
        <CorporateStockBOYAmt>466771</CorporateStockBOYAmt>
        <CorporateStockEOYAmt referenceDocumentId="RetDoc1">478065</CorporateStockEOYAmt>
        <CorporateStockEOYFMVAmt>978865</CorporateStockEOYFMVAmt>
        <OtherAssetsBOYAmt referenceDocumentId="RetDoc3">10</OtherAssetsBOYAmt>
        <OtherAssetsEOYAmt referenceDocumentId="RetDoc3">10</OtherAssetsEOYAmt>
        <TotalAssetsBOYAmt>1775360</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>1741953</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>2243400</TotalAssetsEOYFMVAmt>
        <TotalLiabilitiesEOYAmt>0</TotalLiabilitiesEOYAmt>
        <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
        <RetainedEarningBOYAmt>1775360</RetainedEarningBOYAmt>
        <RetainedEarningEOYAmt>1741953</RetainedEarningEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>1775360</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>1741953</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>1775360</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>1741953</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>1775360</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>-33407</ExcessRevenueOverExpensesAmt>
        <SubtotalAmt>1741953</SubtotalAmt>
        <TotNetAstOrFundBalancesEOYAmt>1741953</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>1404</InvestmentIncomeExciseTaxAmt>
        <SubtotalAmt>1404</SubtotalAmt>
        <TaxBasedOnInvestmentIncomeAmt>1404</TaxBasedOnInvestmentIncomeAmt>
        <EstimatedPlusOvpmtIncmTxAmt>1200</EstimatedPlusOvpmtIncmTxAmt>
        <TotalPaymentsAndCreditsAmt>1200</TotalPaymentsAndCreditsAmt>
        <TaxDueAmt>204</TaxDueAmt>
      </ExciseTaxBasedOnInvstIncmGrp>
      <StatementsRegardingActyGrp>
        <LegislativePoliticalActyInd>false</LegislativePoliticalActyInd>
        <MoreThan100SpentInd>false</MoreThan100SpentInd>
        <Form1120POLFiledInd>false</Form1120POLFiledInd>
        <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd>false</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
        <Section508eRqrSatisfiedInd>true</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>true</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>VA</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd>true</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <IndividualWithBooksNm>STEPHEN R CAPLAN</IndividualWithBooksNm>
        <PhoneNum>7576231062</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>4701 COLUMBUS STREET STE 300</AddressLine1Txt>
          <CityNm>VIRGINIA BEACH</CityNm>
          <StateAbbreviationCd>VA</StateAbbreviationCd>
          <ZIPCd>23462</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>
        <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>STEPHEN R CAPLAN</PersonNm>
          <USAddress>
            <AddressLine1Txt>4701 COLUMBUS STREET STE 300</AddressLine1Txt>
            <CityNm>VIRGINIA BEACH</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23462</ZIPCd>
          </USAddress>
          <TitleTxt>DIRECTOR &amp; S</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>000.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>JAMES M CAPLAN</PersonNm>
          <USAddress>
            <AddressLine1Txt>4701 COLUMBUS STREET STE 300</AddressLine1Txt>
            <CityNm>VIRGINIA BEACH</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23462</ZIPCd>
          </USAddress>
          <TitleTxt>DIRECTOR &amp; V</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>000.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SumOfProgramRelatedInvstGrp>
        <Description1Txt>N/A</Description1Txt>
      </SumOfProgramRelatedInvstGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>769905</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>1394636</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>10</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>2164551</TotalFMVOfUnusedAssetsAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>2164551</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>32468</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>2132083</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>106604</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>106604</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>1404</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>1404</TotalTaxAmt>
        <DistributableBeforeAdjAmt>105200</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>105200</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>105200</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>132142</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>132142</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>105200</DistributableAsAdjustedAmt>
        <ExcessDistributionCyovYr5Amt>1185</ExcessDistributionCyovYr5Amt>
        <ExcessDistributionCyovYr4Amt>29069</ExcessDistributionCyovYr4Amt>
        <ExcessDistributionCyovYr3Amt>4212</ExcessDistributionCyovYr3Amt>
        <ExcessDistributionCyovYr1Amt>35573</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>70039</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>132142</QualifyingDistributionsAmt>
        <AppliedToCurrentYearAmt>105200</AppliedToCurrentYearAmt>
        <RemainingDistriFromCorpusAmt>26942</RemainingDistriFromCorpusAmt>
        <TotalCorpusAmt>96981</TotalCorpusAmt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <ExcessDistriCyovFromYr5Amt>1185</ExcessDistriCyovFromYr5Amt>
        <ExcessDistriCyovToNextYrAmt>95796</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear4Amt>29069</ExcessFromYear4Amt>
        <ExcessFromYear3Amt>4212</ExcessFromYear3Amt>
        <ExcessFromYear1Amt>35573</ExcessFromYear1Amt>
        <ExcessFromCurrentYearAmt>26942</ExcessFromCurrentYearAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <OnlyContriToPreselectedInd>X</OnlyContriToPreselectedInd>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ALZHEIMERS ASSOCIATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>6350 CENTER DR STE 102</AddressLine1Txt>
            <CityNm>NORFOLK</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23502</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>MEDICAL RESEARCH</GrantOrContributionPurposeTxt>
          <Amt>3675</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>AMERICAN FRIENDS OF MAGEN ADOM</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>20 W 36TH STREET</AddressLine1Txt>
            <CityNm>NEW YORK</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>10018</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>TO SUPPORT CRISIS IN ISRAEL</GrantOrContributionPurposeTxt>
          <Amt>500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>BENJAMIN GOLDBERG FOUNDATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>P O BOX 61778</AddressLine1Txt>
            <CityNm>VIRGINIA BEACH</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23466</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>TO SUPPORT KIDS WITH MEDICAL NEEDS</GrantOrContributionPurposeTxt>
          <Amt>500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>CHABAD HOUSR - BOWERY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>353 BOWERY</AddressLine1Txt>
            <CityNm>NEW YORK</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>10003</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SERVICE</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>CONGREGATION BETH EL</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>422 SHIRLEY AVE</AddressLine1Txt>
            <CityNm>NORFOLK</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23517</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>TEMPLE FUND</GrantOrContributionPurposeTxt>
          <Amt>32217</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ELIZA HOPE FOUNDATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>629 PHOENIX DRIVE</AddressLine1Txt>
            <CityNm>VIRGINIA BEACH</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23452</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>PROVIDE SUPPORT FOR THE AUTISTIC</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>FOOD BANK OF SOUTHEASTERN VA</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>800 TIDEWATER DR</AddressLine1Txt>
            <CityNm>NORFOLK</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23504</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>TO SUPPORT THOSE FACING HUNGER</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>FRIENDS OF ISRAEL DEFENSE FORCES</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>P O BOX 4224</AddressLine1Txt>
            <CityNm>NEW YORK</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>10163</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>TO SUPPORT VETERANS AND FAMILIES</GrantOrContributionPurposeTxt>
          <Amt>20000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>HEBREW ACADEMY OF TIDEWATER</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>5000 CORPORATE WOODS DR</AddressLine1Txt>
            <CityNm>VIRGINIA BEACH</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23462</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>EDUCATION</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>JEWISH COMMUNITY CENTER</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>5000 CORPORATE WOODS DR</AddressLine1Txt>
            <CityNm>VIRGINIA BEACH</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23462</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SERVICE</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>JEWISH FAMILY SERVICES OF TIDEWATER</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>5000 CORPORATE WOODS DR</AddressLine1Txt>
            <CityNm>VIRGINIA BEACH</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23462</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SERVICE</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>PLAY FOR PINK</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>28 W 44TH ST STE 609</AddressLine1Txt>
            <CityNm>NEW YORK</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>10036</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>BREAST CANCER RESEARCH</GrantOrContributionPurposeTxt>
          <Amt>350</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SHRINERS CHILDRENS HOSPITAL</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>2900 ROCKY POINT DRIVE</AddressLine1Txt>
            <CityNm>TAMPA</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>33607</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>TO SUPPORT KIDS WITH MEDICAL NEEDS</GrantOrContributionPurposeTxt>
          <Amt>500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ST JUDE CHILDRENS RESEARCH HOSPITAL</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>501 ST JUDE PLACE</AddressLine1Txt>
            <CityNm>MEMPHIS</CityNm>
            <StateAbbreviationCd>TN</StateAbbreviationCd>
            <ZIPCd>38105</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>TO SUPPORT KIDS WITH MEDICAL NEEDS</GrantOrContributionPurposeTxt>
          <Amt>500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>TEMPLE LEV TIKVAH</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>424 25TH STREET</AddressLine1Txt>
            <CityNm>VIRGINIA BEACH</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23451</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SERVICE</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>THE JEWISH MUSEUM &amp; CULTURAL CTR</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>P O BOX 7962</AddressLine1Txt>
            <CityNm>PORTSMOUTH</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23705</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>TO SUPPORT JEWISH HISTORY</GrantOrContributionPurposeTxt>
          <Amt>500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>THE NICOLE SCHIFFMAN FOUNDATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>259 MINEOLA BLVD</AddressLine1Txt>
            <CityNm>MINEOLA</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11501</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>SERVICES FOR AT-RISK CHILDREN</GrantOrContributionPurposeTxt>
          <Amt>300</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>UNITED JEWISH FED OF TIDEWATER</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>5000 CORPORATE WOODS DR</AddressLine1Txt>
            <CityNm>VIRGINIA BEACH</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23462</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SERVICE</GrantOrContributionPurposeTxt>
          <Amt>25000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>UNITED WAY OF SHR</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>2515 WALMER AVE</AddressLine1Txt>
            <CityNm>NORFOLK</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23513</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SERVICE</GrantOrContributionPurposeTxt>
          <Amt>20000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>FIRST TEE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>13000 SAWGRASS VILLAGE</AddressLine1Txt>
            <AddressLine2Txt>CIRCLE BUILDING 4</AddressLine2Txt>
            <CityNm>PONTE VEDRA BEACH</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32082</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SERVICE</GrantOrContributionPurposeTxt>
          <Amt>100</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>132142</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <RelatedOrExemptFunctionIncmAmt>29115</RelatedOrExemptFunctionIncmAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DividendsAndInterestFromSecDtl>
          <RelatedOrExemptFunctionIncmAmt>71869</RelatedOrExemptFunctionIncmAmt>
        </DividendsAndInterestFromSecDtl>
        <SubtotalsIncmProducingActyGrp>
          <RelatedOrExemptFunctionIncmAmt>100984</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>100984</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>
    <InvestmentsCorpStockSchedule documentId="RetDoc1">
      <InvestmentsCorporateStockGrp>
        <StockNm>1.33 SHARES MR. COOPER GROUP</StockNm>
        <EOYBookValueAmt>11</EOYBookValueAmt>
        <EOYFMVAmt>123</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>9 SHARES CONSOLIDATED COMMUNICATIONS</StockNm>
        <EOYBookValueAmt>83</EOYBookValueAmt>
        <EOYFMVAmt>42</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>120 SHARES ZIMMER HOLDINGS</StockNm>
        <EOYBookValueAmt>2609</EOYBookValueAmt>
        <EOYFMVAmt>12954</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1785 SHARES MATTEL</StockNm>
        <EOYBookValueAmt>28853</EOYBookValueAmt>
        <EOYFMVAmt>34004</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>788 SHARES PFIZER</StockNm>
        <EOYBookValueAmt>23861</EOYBookValueAmt>
        <EOYFMVAmt>22458</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>500 SHARES VERIZON</StockNm>
        <EOYBookValueAmt>19467</EOYBookValueAmt>
        <EOYFMVAmt>22110</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1200 SHARES BRISTOL MYERS</StockNm>
        <EOYBookValueAmt>30015</EOYBookValueAmt>
        <EOYFMVAmt>62088</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1540 SHARES CHEVRON TEXACO</StockNm>
        <EOYBookValueAmt>38500</EOYBookValueAmt>
        <EOYFMVAmt>226796</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>7651 SHARES BANK OF AMERICA</StockNm>
        <EOYBookValueAmt>157655</EOYBookValueAmt>
        <EOYFMVAmt>301602</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>2500 SHARES DOMINION RESOURCES</StockNm>
        <EOYBookValueAmt>47077</EOYBookValueAmt>
        <EOYFMVAmt>144475</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>97 SHARES VIATRIS</StockNm>
        <EOYBookValueAmt>1239</EOYBookValueAmt>
        <EOYFMVAmt>1126</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>12 SHARES ZIMVIE</StockNm>
        <EOYBookValueAmt>1</EOYBookValueAmt>
        <EOYFMVAmt>190</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1644 SHARES SCHWAB ETFS</StockNm>
        <EOYBookValueAmt>128694</EOYBookValueAmt>
        <EOYFMVAmt>150897</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsGovtObligationsSch documentId="RetDoc2">
      <USGovtObligationsBookVlEOYAmt>32812</USGovtObligationsBookVlEOYAmt>
      <USGovtObligationsEOYFMVAmt>33469</USGovtObligationsEOYFMVAmt>
    </InvestmentsGovtObligationsSch>
    <OtherAssetsSchedule documentId="RetDoc3">
      <OtherAssetsScheduleGrp>
        <Desc>CHARTER FEE</Desc>
        <BOYBookValueAmt>10</BOYBookValueAmt>
        <EOYBookValueAmt>10</EOYBookValueAmt>
      </OtherAssetsScheduleGrp>
    </OtherAssetsSchedule>
    <TaxesSchedule documentId="RetDoc4">
      <TaxesDetail>
        <CategoryTxt>OTHER TAXES AND LICENSES</CategoryTxt>
        <Amt>50</Amt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FEDERAL INCOME TAX</CategoryTxt>
        <Amt>2199</Amt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>