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    <GeneralExplanationAttachment documentId="GeneralExplanation" softwareId="22015553" softwareVersionNum="2022v5.0">
      <GeneralExplanationGrp>
        <FormAndLineReferenceDesc>line 25 and schedule D</FormAndLineReferenceDesc>
        <MediumExplanationTxt>list of grants and schedule D</MediumExplanationTxt>
      </GeneralExplanationGrp>
    </GeneralExplanationAttachment>
    <OtherExpensesSchedule documentId="OtherExpensesSchedule" softwareId="22015553" softwareVersionNum="2022v5.0">
      <OtherExpensesScheduleGrp>
        <Desc>CHECK PRINTING CHARGE</Desc>
        <RevenueAndExpensesPerBooksAmt>17</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>17</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>COMMUNITY BANK IM FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>9109</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>9109</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>DISABILITY INSURANCE</Desc>
        <RevenueAndExpensesPerBooksAmt>453</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>453</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>FOREIGN TAX</Desc>
        <RevenueAndExpensesPerBooksAmt>54</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>54</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>ISD - COMPUTER MAINTENANCE</Desc>
        <RevenueAndExpensesPerBooksAmt>1671</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>1671</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>MORGAN STANLEY FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>5572</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>5572</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>NYS DEPT OF STATE</Desc>
        <RevenueAndExpensesPerBooksAmt>1500</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>1500</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>NYSUI</Desc>
        <RevenueAndExpensesPerBooksAmt>506</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>506</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>OFFICE SUPPLIES</Desc>
        <RevenueAndExpensesPerBooksAmt>267</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>267</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>OTSEGO TELEPHONE</Desc>
        <RevenueAndExpensesPerBooksAmt>107</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>107</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>PHILIDELPHIA INS - LIABILITY INS</Desc>
        <RevenueAndExpensesPerBooksAmt>1634</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>1634</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>POSTAGE</Desc>
        <RevenueAndExpensesPerBooksAmt>518</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>518</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>PRINTER/COPIER EXPENSES</Desc>
        <RevenueAndExpensesPerBooksAmt>96</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>96</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>SHREDDING</Desc>
        <RevenueAndExpensesPerBooksAmt>165</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>165</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>STATE INS WORKERS COMP INS</Desc>
        <RevenueAndExpensesPerBooksAmt>286</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>286</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>TELEPHONE MAINTENANCE</Desc>
        <RevenueAndExpensesPerBooksAmt>1263</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>1263</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncomeSchedule2 documentId="OtherIncomeSchedule2" softwareId="22015553" softwareVersionNum="2022v5.0">
      <OtherIncomeDetail>
        <Desc>return of scholarship</Desc>
        <RevenueAndExpensesPerBooksAmt>3850</RevenueAndExpensesPerBooksAmt>
      </OtherIncomeDetail>
    </OtherIncomeSchedule2>
    <OtherProfessionalFeesSchedule documentId="OtherProfessionalFeesSchedule" softwareId="22015553" softwareVersionNum="2022v5.0">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>management fees</CategoryTxt>
        <Amt>12000</Amt>
        <NetInvestmentIncomeAmt>12000</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>0</AdjustedNetIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
    <TaxesSchedule documentId="TaxesSchedule" softwareId="22015553" softwareVersionNum="2022v5.0">
      <TaxesDetail>
        <CategoryTxt>TAX ON INVESTMENT INCOME</CategoryTxt>
        <Amt>27495</Amt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>
