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          <PersonNm>BRIAN C LUNDQUIST ESQ</PersonNm>
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            <AddressLine1Txt>PO BOX 99</AddressLine1Txt>
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        <Description1Txt>INCOME FROM THE FUND IS USED TO PAY SCHOLARSHIPS. SEE LIST OF SCHOLARSHIPS PAID.</Description1Txt>
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        <Description1Txt>N/A</Description1Txt>
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        <MinimumInvestmentReturnAmt>14054</MinimumInvestmentReturnAmt>
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        <Sect4942j3j5FndtnAndFrgnOrgInd>X</Sect4942j3j5FndtnAndFrgnOrgInd>
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        <QualifyingDistributionsAmt>47000</QualifyingDistributionsAmt>
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        <Section4942j3Ind>X</Section4942j3Ind>
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          <RecipientPersonNm>BRIAN C LUNDQUIST ESQ</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 67</AddressLine1Txt>
            <AddressLine2Txt>PO BOX 67</AddressLine2Txt>
            <CityNm>NEWTON</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07860</ZIPCd>
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          <FormAndInfoAndMaterialsTxt>EXPLANATION OF APPLICATION FORM AND INSTRUCTIONS ARE ATTACHED.</FormAndInfoAndMaterialsTxt>
          <SubmissionDeadlinesTxt>MAY 15 FOR SEPTEMBER ACADEMIC YEAR</SubmissionDeadlinesTxt>
          <RestrictionsOnAwardsTxt>SEE INFORMATION ATTACHED.</RestrictionsOnAwardsTxt>
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          <RecipientPersonNm>PETER HILGENDORFF</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>71 WOODLAWN RD</AddressLine1Txt>
            <CityNm>SPARTA</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07871</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>I</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
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          <RecipientPersonNm>ABIGAIL BIEDERMAN</RecipientPersonNm>
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            <CityNm>NEWTON</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07860</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>I</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
          <Amt>3000</Amt>
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          <RecipientPersonNm>CAITLIN WITTERS</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>37 BARRY DRIVE</AddressLine1Txt>
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            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07422</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>I</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
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          <RecipientUSAddress>
            <AddressLine1Txt>37 BARRY DRIVE</AddressLine1Txt>
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            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07422</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
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          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
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          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
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            <StateAbbreviationCd>NJ</StateAbbreviationCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
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          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
          <Amt>3000</Amt>
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            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07418</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>I</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>ASHER HAIDUC-DALE</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>123 CREEK ROAD</AddressLine1Txt>
            <CityNm>ANDOVER</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07871</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
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          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
          <Amt>3000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>PAIGE DECARO</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>902 HARDWICK ROAD</AddressLine1Txt>
            <CityNm>STILLWATER</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07874</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>I</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
          <Amt>3000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>KINYA KOJAGO</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 38</AddressLine1Txt>
            <CityNm>SWARTSWOOD</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07877</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>I</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
          <Amt>3000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>JOSEPHINE NUZZO</RecipientPersonNm>
          <RecipientUSAddress>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
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          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
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        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>I</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>LILY HENDERSON</RecipientPersonNm>
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            <StateAbbreviationCd>NJ</StateAbbreviationCd>
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          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
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          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
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        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>47000</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>9</ExclusionAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DividendsAndInterestFromSecDtl>
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          <ExclusionAmt>14949</ExclusionAmt>
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        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>1091</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>30443</RelatedOrExemptFunctionIncmAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>16049</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>30443</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>46492</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="RetDoc1">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <GeneralRuleInd>X</GeneralRuleInd>
      <ContributorInformationGrp>
        <ContributorNum>1</ContributorNum>
        <ContributorBusinessName>
          <BusinessNameLine1Txt>CHELLIS STERLING</BusinessNameLine1Txt>
          <BusinessNameLine2Txt>PEAPACK-GLADSTONE BANK</BusinessNameLine2Txt>
        </ContributorBusinessName>
        <ContributorUSAddress>
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          <AddressLine2Txt>SUITE 300 PO BOX 700</AddressLine2Txt>
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        <PersonContributionInd>X</PersonContributionInd>
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      <AccountingFeesDetail>
        <CategoryTxt>ACCOUNTING FEES</CategoryTxt>
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        <AdjustedNetIncomeAmt>1550</AdjustedNetIncomeAmt>
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    </AccountingFeesSchedule>
    <GainLossSaleOtherAssetsSch documentId="RetDoc3">
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>TCW METROPOLITAN WEST</AssetDesc>
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        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
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        <BasisAmt>7462</BasisAmt>
        <TotalNetAmt>-897</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>ISHARES CORE S&amp;P 500</AssetDesc>
        <AcquiredDt>2019-05</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2025-03</SoldDt>
        <GrossSalesPriceAmt>31863</GrossSalesPriceAmt>
        <BasisAmt>16704</BasisAmt>
        <TotalNetAmt>15159</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>DFA INTERNATIONAL</AssetDesc>
        <AcquiredDt>2020-10</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2025-05</SoldDt>
        <GrossSalesPriceAmt>7488</GrossSalesPriceAmt>
        <BasisAmt>5317</BasisAmt>
        <TotalNetAmt>2171</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>THORNBURG LIMITED INCOME</AssetDesc>
        <AcquiredDt>2020-10</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
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        <GrossSalesPriceAmt>2988</GrossSalesPriceAmt>
        <BasisAmt>3281</BasisAmt>
        <TotalNetAmt>-293</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>ISHARES S&amp;P SMALL-CAP</AssetDesc>
        <AcquiredDt>2020-10</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2025-05</SoldDt>
        <GrossSalesPriceAmt>17327</GrossSalesPriceAmt>
        <BasisAmt>11636</BasisAmt>
        <TotalNetAmt>5691</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>ISHARES S&amp;P MIDCAP</AssetDesc>
        <AcquiredDt>2020-10</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2025-03</SoldDt>
        <GrossSalesPriceAmt>15162</GrossSalesPriceAmt>
        <BasisAmt>9172</BasisAmt>
        <TotalNetAmt>5990</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>ISHARES INTL SELECT</AssetDesc>
        <AcquiredDt>2020-10</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2025-05</SoldDt>
        <GrossSalesPriceAmt>4482</GrossSalesPriceAmt>
        <BasisAmt>3513</BasisAmt>
        <TotalNetAmt>969</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>PIMCO INTL BOND</AssetDesc>
        <AcquiredDt>2021-01</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2025-05</SoldDt>
        <GrossSalesPriceAmt>1788</GrossSalesPriceAmt>
        <BasisAmt>2030</BasisAmt>
        <TotalNetAmt>-242</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>DFA DIMENSIONAL</AssetDesc>
        <AcquiredDt>2023-04</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2025-09</SoldDt>
        <GrossSalesPriceAmt>2491</GrossSalesPriceAmt>
        <BasisAmt>1807</BasisAmt>
        <TotalNetAmt>684</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>ISHARES S&amp;P 500 GROWTH</AssetDesc>
        <AcquiredDt>2025-03</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2025-05</SoldDt>
        <GrossSalesPriceAmt>3814</GrossSalesPriceAmt>
        <BasisAmt>3449</BasisAmt>
        <TotalNetAmt>365</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>ISHARES GOLD TRUST</AssetDesc>
        <AcquiredDt>2025-03</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2025-11</SoldDt>
        <GrossSalesPriceAmt>4160</GrossSalesPriceAmt>
        <BasisAmt>3314</BasisAmt>
        <TotalNetAmt>846</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
    </GainLossSaleOtherAssetsSch>
    <InvestmentsCorpBondsSchedule documentId="RetDoc4">
      <InvestmentsCorporateBondsGrp>
        <BondNm>THORNTON LIMITDR TERM</BondNm>
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        <EOYFMVAmt>43248</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>DFA INFLATION PROTECT DIPSX</BondNm>
        <EOYBookValueAmt>17071</EOYBookValueAmt>
        <EOYFMVAmt>14696</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>DFA INTERMED DFIGX</BondNm>
        <EOYBookValueAmt>31096</EOYBookValueAmt>
        <EOYFMVAmt>26742</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>METROPOLITAN WEST</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>VANGUARD INT-TERM</BondNm>
        <EOYBookValueAmt>31167</EOYBookValueAmt>
        <EOYFMVAmt>29563</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>PIMCO INTERNATIONAL</BondNm>
        <EOYBookValueAmt>30756</EOYBookValueAmt>
        <EOYFMVAmt>28077</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>VANGUARD HIGH YIELD</BondNm>
        <EOYBookValueAmt>13786</EOYBookValueAmt>
        <EOYFMVAmt>13326</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>THORNBURG STRATEGIC</BondNm>
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        <EOYFMVAmt>9945</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES TREASURY</BondNm>
        <EOYBookValueAmt>2357</EOYBookValueAmt>
        <EOYFMVAmt>2348</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ISHARES GOLD TRUST</BondNm>
        <EOYBookValueAmt>12149</EOYBookValueAmt>
        <EOYFMVAmt>17857</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
    </InvestmentsCorpBondsSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc5">
      <InvestmentsCorporateStockGrp>
        <StockNm>INVESCO FTSE RAFI</StockNm>
        <EOYBookValueAmt>10960</EOYBookValueAmt>
        <EOYFMVAmt>18953</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES CORE S&amp;P</StockNm>
        <EOYBookValueAmt>14652</EOYBookValueAmt>
        <EOYFMVAmt>34247</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES S&amp;P</StockNm>
        <EOYBookValueAmt>22548</EOYBookValueAmt>
        <EOYFMVAmt>25286</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES S&amp;P SMALL CAP</StockNm>
        <EOYBookValueAmt>17346</EOYBookValueAmt>
        <EOYFMVAmt>23715</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES S&amp;P SMALL CAP 600</StockNm>
        <EOYBookValueAmt>8563</EOYBookValueAmt>
        <EOYFMVAmt>14897</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>VANGUARD HIGH DIVIDEND</StockNm>
        <EOYBookValueAmt>29751</EOYBookValueAmt>
        <EOYFMVAmt>43701</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>DFA INTERNTL</StockNm>
        <EOYBookValueAmt>18857</EOYBookValueAmt>
        <EOYFMVAmt>33448</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>DFA EMERGING MKTS</StockNm>
        <EOYBookValueAmt>10561</EOYBookValueAmt>
        <EOYFMVAmt>11699</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES INTL SELECT</StockNm>
        <EOYBookValueAmt>22975</EOYBookValueAmt>
        <EOYFMVAmt>35347</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES MSCI EAFE GROWTH</StockNm>
        <EOYBookValueAmt>20982</EOYBookValueAmt>
        <EOYFMVAmt>24721</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>DIMENSIONAL GLOBAL REAL</StockNm>
        <EOYBookValueAmt>16981</EOYBookValueAmt>
        <EOYFMVAmt>18362</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>DFA DIMENSIONAL EMERGING</StockNm>
        <EOYBookValueAmt>13165</EOYBookValueAmt>
        <EOYFMVAmt>18928</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES S&amp;P MIDCAP 400</StockNm>
        <EOYBookValueAmt>17198</EOYBookValueAmt>
        <EOYFMVAmt>31582</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ISHARES S&amp;P 500</StockNm>
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        <EOYFMVAmt>35376</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <OtherDecreasesSchedule documentId="RetDoc6">
      <OtherDecreasesDetail>
        <Desc>FEDERAL TAX</Desc>
        <Amt>153</Amt>
      </OtherDecreasesDetail>
    </OtherDecreasesSchedule>
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      <OtherExpensesScheduleGrp>
        <Desc>EXPENSES</Desc>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>INVESTMENT FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>74</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>74</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>BANK FEE</Desc>
        <RevenueAndExpensesPerBooksAmt>15</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>15</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncreasesSchedule documentId="RetDoc8">
      <OtherIncreasesDetail>
        <Desc>BOOK VALUE ADJUSTMENT</Desc>
        <Amt>7435</Amt>
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      <OtherProfessionalFeesDetail>
        <CategoryTxt>SCHWAB MANAGEMENT FEE</CategoryTxt>
        <Amt>4181</Amt>
        <NetInvestmentIncomeAmt>4181</NetInvestmentIncomeAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
  </ReturnData>
</Return>