﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xsi:schemaLocation="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2023v5.1">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2024-11-14T13:12:30-06:00</ReturnTs>
    <TaxPeriodEndDt>2023-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmName>
        <BusinessNameLine1Txt>Brand Sonnenschine LLP</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>1641 East 16th Street FL 4</AddressLine1Txt>
        <CityNm>Brooklyn</CityNm>
        <StateAbbreviationCd>NY</StateAbbreviationCd>
        <ZIPCd>11229</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2023-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>116436542</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>THE SCHACHTER FAMILY CHARITABLE TRUST</BusinessNameLine1Txt>
      </BusinessName>
      <InCareOfNm>% BENZION SCHACHTER</InCareOfNm>
      <BusinessNameControlTxt>SCHA</BusinessNameControlTxt>
      <USAddress>
        <AddressLine1Txt>901 EAST 23RD STREET</AddressLine1Txt>
        <CityNm>BROOKLYN</CityNm>
        <StateAbbreviationCd>NY</StateAbbreviationCd>
        <ZIPCd>112103621</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>BENZION SCHACHTER</PersonNm>
      <PersonTitleTxt>TRUSTEE</PersonTitleTxt>
      <PhoneNum>7377876300</PhoneNum>
      <SignatureDt>2024-11-13</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>Bruce Tager</PreparerPersonNm>
      <PTIN>P00631278</PTIN>
      <PhoneNum>2122190220</PhoneNum>
      <PreparationDt>2024-11-13</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2023</TaxYr>
    <BuildTS>2024-10-15 13:58:12Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="8">
    <IRS990PF documentId="IRS990PF">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>748021</FMVAssetsEOYAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AnalysisOfRevenueAndExpenses>
        <ContriRcvdRevAndExpnssAmt>12700</ContriRcvdRevAndExpnssAmt>
        <InterestOnSavRevAndExpnssAmt>20</InterestOnSavRevAndExpnssAmt>
        <InterestOnSavNetInvstIncmAmt>20</InterestOnSavNetInvstIncmAmt>
        <DividendsRevAndExpnssAmt>27676</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>27676</DividendsNetInvstIncmAmt>
        <TotalRevAndExpnssAmt>40396</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>27696</TotalNetInvstIncmAmt>
        <CompOfcrDirTrstRevAndExpnssAmt>0</CompOfcrDirTrstRevAndExpnssAmt>
        <TaxesRevAndExpnssAmt referenceDocumentId="TaxesSchedule">3567</TaxesRevAndExpnssAmt>
        <TaxesNetInvstIncmAmt>3567</TaxesNetInvstIncmAmt>
        <OtherExpensesRevAndExpnssAmt referenceDocumentId="OtherExpensesSch">2103</OtherExpensesRevAndExpnssAmt>
        <OtherExpensesNetInvstIncmAmt>2103</OtherExpensesNetInvstIncmAmt>
        <TotOprExpensesRevAndExpnssAmt>5670</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>5670</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>0</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>67840</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>67840</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>73510</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>5670</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>67840</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>-33114</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>22026</NetInvestmentIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <SavAndTempCashInvstBOYAmt>320371</SavAndTempCashInvstBOYAmt>
        <SavAndTempCashInvstEOYAmt>38978</SavAndTempCashInvstEOYAmt>
        <SavAndTempCashInvstEOYFMVAmt>38978</SavAndTempCashInvstEOYFMVAmt>
        <CorporateStockBOYAmt>331792</CorporateStockBOYAmt>
        <CorporateStockEOYAmt referenceDocumentId="InvestCorpStockSch">577220</CorporateStockEOYAmt>
        <CorporateStockEOYFMVAmt>618377</CorporateStockEOYFMVAmt>
        <OtherInvestmentsBOYAmt>87724</OtherInvestmentsBOYAmt>
        <OtherInvestmentsEOYAmt referenceDocumentId="InvOtherSch2">89273</OtherInvestmentsEOYAmt>
        <OtherInvestmentsEOYFMVAmt>89273</OtherInvestmentsEOYFMVAmt>
        <OtherAssetsBOYAmt referenceDocumentId="OtherAssetsSch">90</OtherAssetsBOYAmt>
        <OtherAssetsEOYAmt referenceDocumentId="OtherAssetsSch">1393</OtherAssetsEOYAmt>
        <OtherAssetsEOYFMVAmt referenceDocumentId="OtherAssetsSch">1393</OtherAssetsEOYFMVAmt>
        <TotalAssetsBOYAmt>739977</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>706864</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>748021</TotalAssetsEOYFMVAmt>
        <TotalLiabilitiesBOYAmt>0</TotalLiabilitiesBOYAmt>
        <TotalLiabilitiesEOYAmt>0</TotalLiabilitiesEOYAmt>
        <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
        <RetainedEarningBOYAmt>739978</RetainedEarningBOYAmt>
        <RetainedEarningEOYAmt>706864</RetainedEarningEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>739978</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>706864</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>739978</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>706864</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>739978</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>-33114</ExcessRevenueOverExpensesAmt>
        <SubtotalAmt>706864</SubtotalAmt>
        <TotNetAstOrFundBalancesEOYAmt>706864</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <CapGainsLossTxInvstIncmDetail />
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>306</InvestmentIncomeExciseTaxAmt>
        <SubtotalAmt>306</SubtotalAmt>
        <TaxBasedOnInvestmentIncomeAmt>306</TaxBasedOnInvestmentIncomeAmt>
        <EstimatedPlusOvpmtIncmTxAmt>3307</EstimatedPlusOvpmtIncmTxAmt>
        <ExemptFrgnOrgTaxWthldAtSrceAmt>0</ExemptFrgnOrgTaxWthldAtSrceAmt>
        <TotalPaymentsAndCreditsAmt>3307</TotalPaymentsAndCreditsAmt>
        <OverpaymentAmt>3001</OverpaymentAmt>
        <AppliedToESTaxAmt>3001</AppliedToESTaxAmt>
      </ExciseTaxBasedOnInvstIncmGrp>
      <StatementsRegardingActyGrp>
        <LegislativePoliticalActyInd referenceDocumentId="BinaryAttach">false</LegislativePoliticalActyInd>
        <MoreThan100SpentInd>false</MoreThan100SpentInd>
        <Form1120POLFiledInd>false</Form1120POLFiledInd>
        <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd referenceDocumentId="BinaryAttach">false</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd referenceDocumentId="BinaryAttach">false</OrganizationDissolvedEtcInd>
        <Section508eRqrSatisfiedInd>false</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>true</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>NJ</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd>false</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <PersonsWithBooksName>
          <BusinessNameLine1Txt>BENZION SCHACHTER</BusinessNameLine1Txt>
        </PersonsWithBooksName>
        <PhoneNum>7377876300</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>901 E 23RD STREET</AddressLine1Txt>
          <CityNm>BROOKLYN</CityNm>
          <StateAbbreviationCd>NY</StateAbbreviationCd>
          <ZIPCd>11210</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>
        <UncorrectedPriorActsInd>false</UncorrectedPriorActsInd>
        <UndistributedIncomePYInd>false</UndistributedIncomePYInd>
        <UndistrIncmSect4942a2NotAppInd>false</UndistrIncmSect4942a2NotAppInd>
        <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>
        <ProceedsOrNetIncomeInd>false</ProceedsOrNetIncomeInd>
      </StatementsRegardingActy4720Grp>
      <OfficerDirTrstKeyEmplInfoGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>BENZION SCHACHTER</PersonNm>
          <USAddress>
            <AddressLine1Txt>901 EAST 23RD STREET</AddressLine1Txt>
            <CityNm>BROOKLYN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11210</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>JUDITH SCHACHTER</PersonNm>
          <USAddress>
            <AddressLine1Txt>901 E 23RD STREET</AddressLine1Txt>
            <CityNm>BROOKLYN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11210</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SummaryOfDirectChrtblActyGrp>
        <Description1Txt>NOT APPLICABLE</Description1Txt>
      </SummaryOfDirectChrtblActyGrp>
      <SumOfProgramRelatedInvstGrp />
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>356737</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>101157</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>90666</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>548560</TotalFMVOfUnusedAssetsAmt>
        <AcquisitionIndebtednessAmt>0</AcquisitionIndebtednessAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>548560</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>8228</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>540332</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>27017</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>27017</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>306</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>306</TotalTaxAmt>
        <DistributableBeforeAdjAmt>26711</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>26711</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>26711</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>67840</ExpensesAndContributionsAmt>
        <ProgramRelatedInvstTotalAmt>0</ProgramRelatedInvstTotalAmt>
        <CharitableAssetsAcquisPaidAmt>0</CharitableAssetsAcquisPaidAmt>
        <SetAsideSuitabilityTestAmt>0</SetAsideSuitabilityTestAmt>
        <SetAsideCashDistriTestAmt>0</SetAsideCashDistriTestAmt>
        <QualifyingDistributionsAmt>67840</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>26711</DistributableAsAdjustedAmt>
        <UndistributedIncomePYAmt>0</UndistributedIncomePYAmt>
        <PriorYear1Yr>2021</PriorYear1Yr>
        <PriorYear2Yr>2020</PriorYear2Yr>
        <PriorYear3Yr>2019</PriorYear3Yr>
        <TotalForPriorYearsAmt>0</TotalForPriorYearsAmt>
        <ExcessDistributionCyovYr5Amt>7294</ExcessDistributionCyovYr5Amt>
        <ExcessDistributionCyovYr4Amt>32042</ExcessDistributionCyovYr4Amt>
        <ExcessDistributionCyovYr3Amt>778</ExcessDistributionCyovYr3Amt>
        <ExcessDistributionCyovYr2Amt>16292</ExcessDistributionCyovYr2Amt>
        <ExcessDistributionCyovYr1Amt>24360</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>80766</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>67840</QualifyingDistributionsAmt>
        <AppliedToYear1Amt>0</AppliedToYear1Amt>
        <AppliedToCurrentYearAmt>26711</AppliedToCurrentYearAmt>
        <RemainingDistriFromCorpusAmt>41129</RemainingDistriFromCorpusAmt>
        <TotalCorpusAmt>121895</TotalCorpusAmt>
        <PriorYearUndistributedIncmAmt>0</PriorYearUndistributedIncmAmt>
        <Taxable1Amt>0</Taxable1Amt>
        <Taxable2Amt>0</Taxable2Amt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <ExcessDistriCyovFromYr5Amt>7294</ExcessDistriCyovFromYr5Amt>
        <ExcessDistriCyovToNextYrAmt>114601</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear4Amt>32042</ExcessFromYear4Amt>
        <ExcessFromYear3Amt>778</ExcessFromYear3Amt>
        <ExcessFromYear2Amt>16292</ExcessFromYear2Amt>
        <ExcessFromYear1Amt>24360</ExcessFromYear1Amt>
        <ExcessFromCurrentYearAmt>41129</ExcessFromCurrentYearAmt>
      </UndistributedIncomeGrp>
      <PrivateOperatingFoundationsGrp></PrivateOperatingFoundationsGrp>
      <SupplementaryInformationGrp>
        <ContributingManagerNm>BENZION SCHACHTER</ContributingManagerNm>
        <ShareholderManagerNm>NA</ShareholderManagerNm>
        <OnlyContriToPreselectedInd>X</OnlyContriToPreselectedInd>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SEE ATTACHED</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>901 EAST 23RD STREET</AddressLine1Txt>
            <CityNm>BROOKLYN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>11210</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>67840</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>67840</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <FeesContractsFromGovtAgGrp />
        <MembershipDuesAndAssmntGrp />
        <IntOnSavAndTempCashInvstGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>20</ExclusionAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>27676</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <NetRntlIncmReDebtFincdPropGrp />
        <NetRntlIncmReNotDebtFincdProp />
        <NetRentalIncomePersonalPropGrp />
        <OtherInvestmentIncomeGrp />
        <GainSalesAstOthThanInvntryGrp />
        <NetIncomeLossFromSpecialEvtGrp />
        <GrossProfitLossSlsOfInvntryGrp />
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>27696</ExclusionAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>27696</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>
    <IRS990ScheduleB documentId="IRS990ScheduleB">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <GeneralRuleInd>X</GeneralRuleInd>
      <ContributorInformationGrp>
        <ContributorNum>1</ContributorNum>
        <ContributorPersonNm>BENZION SCHACHTER</ContributorPersonNm>
        <ContributorUSAddress>
          <AddressLine1Txt>901 E 23RD STREET</AddressLine1Txt>
          <CityNm>BROOKLYN</CityNm>
          <StateAbbreviationCd>NY</StateAbbreviationCd>
          <ZIPCd>11210</ZIPCd>
        </ContributorUSAddress>
        <TotalContributionsAmt>12700</TotalContributionsAmt>
        <PersonContributionInd>X</PersonContributionInd>
      </ContributorInformationGrp>
    </IRS990ScheduleB>
    <DepreciationSchedule documentId="DepreciationSch" />
    <InvestmentsCorpStockSchedule documentId="InvestCorpStockSch">
      <InvestmentsCorporateStockGrp>
        <StockNm>58 ENCOMPASS HEALTH CORP</StockNm>
        <EOYBookValueAmt>8131</EOYBookValueAmt>
        <EOYFMVAmt>3870</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>200 WALT DISNEY</StockNm>
        <EOYBookValueAmt>6558</EOYBookValueAmt>
        <EOYFMVAmt>18058</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>466 WESTERN UN</StockNm>
        <EOYBookValueAmt>3093</EOYBookValueAmt>
        <EOYFMVAmt>5555</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>2397 BANCO SANTANDER</StockNm>
        <EOYBookValueAmt>18158</EOYBookValueAmt>
        <EOYFMVAmt>9924</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1139 VALLEY NATIONAL BANCORP</StockNm>
        <EOYBookValueAmt>13930</EOYBookValueAmt>
        <EOYFMVAmt>12370</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1130 WALGREENS CO</StockNm>
        <EOYBookValueAmt>44171</EOYBookValueAmt>
        <EOYFMVAmt>29504</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>1595 CITIGROUP INC</StockNm>
        <EOYBookValueAmt>56692</EOYBookValueAmt>
        <EOYFMVAmt>82047</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>5829 KEARNY FINL CORP</StockNm>
        <EOYBookValueAmt>61105</EOYBookValueAmt>
        <EOYFMVAmt>52286</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>4500 COLUMBIA FINANCIAL INC</StockNm>
        <EOYBookValueAmt>45000</EOYBookValueAmt>
        <EOYFMVAmt>86760</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>8118 BLUE FOUNDRY BANCORP</StockNm>
        <EOYBookValueAmt>81180</EOYBookValueAmt>
        <EOYFMVAmt>78501</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>29 ENHABIT INC</StockNm>
        <EOYFMVAmt>300</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>239202 VANGUARD TREASURY MONEY</StockNm>
        <EOYBookValueAmt>239202</EOYBookValueAmt>
        <EOYFMVAmt>239202</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsOtherSchedule2 documentId="InvOtherSch2">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>GRAND CENTRAL INCOME FUND</CategoryOrItemTxt>
        <BookValueAmt>89273</BookValueAmt>
        <EOYFMVAmt>89273</EOYFMVAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
    <OtherAssetsSchedule documentId="OtherAssetsSch">
      <OtherAssetsScheduleGrp>
        <Desc>DISTRIBUTION RECEIVABLE</Desc>
        <BOYBookValueAmt>90</BOYBookValueAmt>
        <EOYBookValueAmt>312</EOYBookValueAmt>
        <EOYFMVAmt>312</EOYFMVAmt>
      </OtherAssetsScheduleGrp>
      <OtherAssetsScheduleGrp>
        <Desc>DUE FROM BROKER</Desc>
        <EOYBookValueAmt>1081</EOYBookValueAmt>
        <EOYFMVAmt>1081</EOYFMVAmt>
      </OtherAssetsScheduleGrp>
    </OtherAssetsSchedule>
    <OtherExpensesSchedule documentId="OtherExpensesSch">
      <OtherExpensesScheduleGrp>
        <Desc>BANK CHARGES</Desc>
        <RevenueAndExpensesPerBooksAmt>178</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>178</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>FEES FROM PASS THROUGH ENTITY</Desc>
        <RevenueAndExpensesPerBooksAmt>1925</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>1925</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <TaxesSchedule documentId="TaxesSchedule">
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAX</CategoryTxt>
        <Amt>67</Amt>
        <NetInvestmentIncomeAmt>67</NetInvestmentIncomeAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>TAXES</CategoryTxt>
        <Amt>3500</Amt>
        <NetInvestmentIncomeAmt>3500</NetInvestmentIncomeAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>