﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2024v5.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2026-01-28T12:39:48-05:00</ReturnTs>
    <TaxPeriodEndDt>2025-09-30</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>2024-10-01</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>PRESIDENT</PersonTitleTxt>
      <PhoneNum>7576231062</PhoneNum>
      <SignatureDt>2026-01-13</SignatureDt>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>false</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>BARRY W CHEATHAM</PreparerPersonNm>
      <PTIN>P00375297</PTIN>
      <PhoneNum>7574682279</PhoneNum>
      <PreparationDt>2026-01-28</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2024</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="9">
    <IRS990PF documentId="RetDoc9">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>2304490</FMVAssetsEOYAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AnalysisOfRevenueAndExpenses>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <InterestOnSavRevAndExpnssAmt>7698</InterestOnSavRevAndExpnssAmt>
        <InterestOnSavNetInvstIncmAmt>7698</InterestOnSavNetInvstIncmAmt>
        <InterestOnSavingsAdjNetIncmAmt>7698</InterestOnSavingsAdjNetIncmAmt>
        <DividendsRevAndExpnssAmt>83478</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>83478</DividendsNetInvstIncmAmt>
        <DividendsAdjNetIncmAmt>83478</DividendsAdjNetIncmAmt>
        <OtherIncomeRevAndExpnssAmt referenceDocumentId="RetDoc7">1</OtherIncomeRevAndExpnssAmt>
        <OtherIncomeAdjNetIncmAmt>1</OtherIncomeAdjNetIncmAmt>
        <TotalRevAndExpnssAmt>91177</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>91176</TotalNetInvstIncmAmt>
        <TotalAdjNetIncmAmt>91177</TotalAdjNetIncmAmt>
        <AccountingFeesRevAndExpnssAmt referenceDocumentId="RetDoc1">1214</AccountingFeesRevAndExpnssAmt>
        <TaxesRevAndExpnssAmt referenceDocumentId="RetDoc8">2225</TaxesRevAndExpnssAmt>
        <OtherExpensesRevAndExpnssAmt referenceDocumentId="RetDoc5">11</OtherExpensesRevAndExpnssAmt>
        <TotOprExpensesRevAndExpnssAmt>3450</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>0</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>0</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>167166</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>167166</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>170616</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>0</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>167166</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>-79439</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>91176</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>91177</AdjustedNetIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <CashBOYAmt>4267</CashBOYAmt>
        <CashEOYAmt>3677</CashEOYAmt>
        <CashEOYFMVAmt>3677</CashEOYFMVAmt>
        <SavAndTempCashInvstBOYAmt>1226799</SavAndTempCashInvstBOYAmt>
        <SavAndTempCashInvstEOYAmt>1182272</SavAndTempCashInvstEOYAmt>
        <SavAndTempCashInvstEOYFMVAmt>1182272</SavAndTempCashInvstEOYFMVAmt>
        <USGovernmentObligationsBOYAmt>32812</USGovernmentObligationsBOYAmt>
        <USGovernmentObligationsEOYAmt referenceDocumentId="RetDoc3">26624</USGovernmentObligationsEOYAmt>
        <USGovtObligationsEOYFMVAmt>27583</USGovtObligationsEOYFMVAmt>
        <CorporateStockBOYAmt>478065</CorporateStockBOYAmt>
        <CorporateStockEOYAmt referenceDocumentId="RetDoc2">501735</CorporateStockEOYAmt>
        <CorporateStockEOYFMVAmt>1090958</CorporateStockEOYFMVAmt>
        <OtherAssetsBOYAmt referenceDocumentId="RetDoc4">10</OtherAssetsBOYAmt>
        <OtherAssetsEOYAmt referenceDocumentId="RetDoc4">10</OtherAssetsEOYAmt>
        <TotalAssetsBOYAmt>1741953</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>1714318</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>2304490</TotalAssetsEOYFMVAmt>
        <AccountsPayableEOYAmt>1804</AccountsPayableEOYAmt>
        <TotalLiabilitiesEOYAmt>1804</TotalLiabilitiesEOYAmt>
        <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
        <RetainedEarningBOYAmt>1741953</RetainedEarningBOYAmt>
        <RetainedEarningEOYAmt>1712514</RetainedEarningEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>1741953</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>1712514</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>1741953</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>1714318</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>1741953</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>-79439</ExcessRevenueOverExpensesAmt>
        <OtherIncreasesAmt referenceDocumentId="RetDoc6">50000</OtherIncreasesAmt>
        <SubtotalAmt>1712514</SubtotalAmt>
        <TotNetAstOrFundBalancesEOYAmt>1712514</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>1267</InvestmentIncomeExciseTaxAmt>
        <SubtotalAmt>1267</SubtotalAmt>
        <TaxBasedOnInvestmentIncomeAmt>1267</TaxBasedOnInvestmentIncomeAmt>
        <EstimatedPlusOvpmtIncmTxAmt>1600</EstimatedPlusOvpmtIncmTxAmt>
        <TotalPaymentsAndCreditsAmt>1600</TotalPaymentsAndCreditsAmt>
        <OverpaymentAmt>333</OverpaymentAmt>
        <AppliedToESTaxAmt>333</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>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>PRESIDENT</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>859377</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>1454238</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>2313615</TotalFMVOfUnusedAssetsAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>2313615</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>34704</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>2278911</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>113946</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>113946</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>1267</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>1267</TotalTaxAmt>
        <DistributableBeforeAdjAmt>112679</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>112679</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>112679</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>167166</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>167166</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>112679</DistributableAsAdjustedAmt>
        <ExcessDistributionCyovYr5Amt>29069</ExcessDistributionCyovYr5Amt>
        <ExcessDistributionCyovYr4Amt>4212</ExcessDistributionCyovYr4Amt>
        <ExcessDistributionCyovYr2Amt>35573</ExcessDistributionCyovYr2Amt>
        <ExcessDistributionCyovYr1Amt>26942</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>95796</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>167166</QualifyingDistributionsAmt>
        <AppliedToCurrentYearAmt>112679</AppliedToCurrentYearAmt>
        <RemainingDistriFromCorpusAmt>54487</RemainingDistriFromCorpusAmt>
        <TotalCorpusAmt>150283</TotalCorpusAmt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <ExcessDistriCyovFromYr5Amt>29069</ExcessDistriCyovFromYr5Amt>
        <ExcessDistriCyovToNextYrAmt>121214</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear4Amt>4212</ExcessFromYear4Amt>
        <ExcessFromYear2Amt>35573</ExcessFromYear2Amt>
        <ExcessFromYear1Amt>26942</ExcessFromYear1Amt>
        <ExcessFromCurrentYearAmt>54487</ExcessFromCurrentYearAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <OnlyContriToPreselectedInd>X</OnlyContriToPreselectedInd>
        <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>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>CAPE HENRY COLLEGIATE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>1320 MILL DAM ROAD</AddressLine1Txt>
            <CityNm>VIRGINIA BEACH</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>23454</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SERVICE</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>CAROLINA WATERFOWL RESCUE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>5403 POPLIN ROAD</AddressLine1Txt>
            <CityNm>INDIAN TRAIL</CityNm>
            <StateAbbreviationCd>NC</StateAbbreviationCd>
            <ZIPCd>28079</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>TO HELP PRESERVE NATURE</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>37206</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>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>FIRST TEE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>13000 SAWGRASS VILLAGE</AddressLine1Txt>
            <CityNm>PONTE VEDRA BCH</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32082</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>COMMUNITY SERVICE</GrantOrContributionPurposeTxt>
          <Amt>500</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>10000</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>IMADI FOUNDATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>5400 OLD COURT RD</AddressLine1Txt>
            <AddressLine2Txt>SUITE 300C</AddressLine2Txt>
            <CityNm>RANDALLSTOWN</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>21133</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>TO SUPPORT LEBANESE COMMUNITIES</GrantOrContributionPurposeTxt>
          <Amt>500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>JAFCO</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>4200 N UNIVERSITY DR</AddressLine1Txt>
            <CityNm>SUNRISE</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>33351</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>TO SUPPORT AT RISK CHILDREN</GrantOrContributionPurposeTxt>
          <Amt>1800</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>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>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>MELVIN J BERMAN HEBREW ACADEMY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>13300 ARTIC AVE</AddressLine1Txt>
            <CityNm>ROCKVILLE</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>20853</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>PRIVATE EDUCATION</GrantOrContributionPurposeTxt>
          <Amt>2000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>NICKLAUS CHILDREN'S HLTHCRE FOUND</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>11780 US HIGHWAY ONE</AddressLine1Txt>
            <AddressLine2Txt>SUITE 105</AddressLine2Txt>
            <CityNm>NORTH PALM BEACH</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>33408</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>TO HELP CHILDREN WITH MEDICAL NEEDS</GrantOrContributionPurposeTxt>
          <Amt>500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>PAP CORPS</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>1191 E NEWPORT CENTER</AddressLine1Txt>
            <CityNm>DEERFIELD BEACH</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>33442</ZIPCd>
          </RecipientUSAddress>
          <GrantOrContributionPurposeTxt>CANCER RESEARCH</GrantOrContributionPurposeTxt>
          <Amt>280</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>380</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>1000</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>2000</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>55000</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>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>167166</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <RelatedOrExemptFunctionIncmAmt>7698</RelatedOrExemptFunctionIncmAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DividendsAndInterestFromSecDtl>
          <RelatedOrExemptFunctionIncmAmt>83478</RelatedOrExemptFunctionIncmAmt>
        </DividendsAndInterestFromSecDtl>
        <OtherRevenueDescribedGrp>
          <Desc>CASH IN LIEU GAIN</Desc>
          <RelatedOrExemptFunctionIncmAmt>1</RelatedOrExemptFunctionIncmAmt>
        </OtherRevenueDescribedGrp>
        <SubtotalsIncmProducingActyGrp>
          <RelatedOrExemptFunctionIncmAmt>91177</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>91177</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="RetDoc1">
      <AccountingFeesDetail>
        <CategoryTxt>ACCOUNTING FEES</CategoryTxt>
        <Amt>1214</Amt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc2">
      <InvestmentsCorporateStockGrp>
        <StockNm>1.33 SHARES MR. COOPER GROUP</StockNm>
        <EOYBookValueAmt>11</EOYBookValueAmt>
        <EOYFMVAmt>236</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>11791</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1785 SHARES MATTEL</StockNm>
        <EOYBookValueAmt>28853</EOYBookValueAmt>
        <EOYFMVAmt>30042</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>788 SHARES PFIZER</StockNm>
        <EOYBookValueAmt>23861</EOYBookValueAmt>
        <EOYFMVAmt>19732</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>500 SHARES VERIZON</StockNm>
        <EOYBookValueAmt>19467</EOYBookValueAmt>
        <EOYFMVAmt>21605</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1200 SHARES BRISTOL MYERS</StockNm>
        <EOYBookValueAmt>30015</EOYBookValueAmt>
        <EOYFMVAmt>53388</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1540 SHARES CHEVRON TEXACO</StockNm>
        <EOYBookValueAmt>41081</EOYBookValueAmt>
        <EOYFMVAmt>241942</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>7651 SHARES BANK OF AMERICA</StockNm>
        <EOYBookValueAmt>157655</EOYBookValueAmt>
        <EOYFMVAmt>392496</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>2500 SHARES DOMINION RESOURCES</StockNm>
        <EOYBookValueAmt>47077</EOYBookValueAmt>
        <EOYFMVAmt>151175</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>97 SHARES VIATRIS</StockNm>
        <EOYBookValueAmt>1239</EOYBookValueAmt>
        <EOYFMVAmt>960</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>12 SHARES ZIMVIE</StockNm>
        <EOYBookValueAmt>1</EOYBookValueAmt>
        <EOYFMVAmt>193</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1644 SHARES SCHWAB ETFS</StockNm>
        <EOYBookValueAmt>149783</EOYBookValueAmt>
        <EOYFMVAmt>167356</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsGovtObligationsSch documentId="RetDoc3">
      <USGovtObligationsBookVlEOYAmt>26624</USGovtObligationsBookVlEOYAmt>
      <USGovtObligationsEOYFMVAmt>27583</USGovtObligationsEOYFMVAmt>
    </InvestmentsGovtObligationsSch>
    <OtherAssetsSchedule documentId="RetDoc4">
      <OtherAssetsScheduleGrp>
        <Desc>CHARTER FEE</Desc>
        <BOYBookValueAmt>10</BOYBookValueAmt>
        <EOYBookValueAmt>10</EOYBookValueAmt>
      </OtherAssetsScheduleGrp>
    </OtherAssetsSchedule>
    <OtherExpensesSchedule documentId="RetDoc5">
      <OtherExpensesScheduleGrp>
        <Desc>EXPENSES</Desc>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>OFFICE EXPENSE</Desc>
        <RevenueAndExpensesPerBooksAmt>11</RevenueAndExpensesPerBooksAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncomeSchedule2 documentId="RetDoc7">
      <OtherIncomeDetail>
        <Desc>CASH IN LIEU GAIN</Desc>
        <RevenueAndExpensesPerBooksAmt>1</RevenueAndExpensesPerBooksAmt>
        <AdjustedNetIncomeAmt>1</AdjustedNetIncomeAmt>
      </OtherIncomeDetail>
    </OtherIncomeSchedule2>
    <OtherIncreasesSchedule documentId="RetDoc6">
      <OtherIncreasesDetail>
        <Desc>REFUND OF DONATION</Desc>
        <Amt>50000</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <TaxesSchedule documentId="RetDoc8">
      <TaxesDetail>
        <CategoryTxt>OTHER TAXES AND LICENSES</CategoryTxt>
        <Amt>25</Amt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FEDERAL INCOME TAX</CategoryTxt>
        <Amt>2200</Amt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>