﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" returnVersion="2024v5.2">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2025-08-11T16:18:19-04:00</ReturnTs>
    <TaxPeriodEndDt>2024-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>332782644</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>Daley Consulting CPA PLLC</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>298 Troy Schenectady Road</AddressLine1Txt>
        <CityNm>Latham</CityNm>
        <StateAbbreviationCd>NY</StateAbbreviationCd>
        <ZIPCd>12110</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2024-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>146197876</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>THE JANE BALDWIN HOLBRITTER CHARITABLE TRUST</BusinessNameLine1Txt>
      </BusinessName>
      <InCareOfNm>% ELENOR NASNER</InCareOfNm>
      <BusinessNameControlTxt>JANE</BusinessNameControlTxt>
      <PhoneNum>5188671987</PhoneNum>
      <USAddress>
        <AddressLine1Txt>40 AUTUMN DRIVE STE 146</AddressLine1Txt>
        <CityNm>SLINGERLANDS</CityNm>
        <StateAbbreviationCd>NY</StateAbbreviationCd>
        <ZIPCd>12159</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>ELENOR NASNER</PersonNm>
      <PersonTitleTxt>TRUSTEE</PersonTitleTxt>
      <PhoneNum>5183900578</PhoneNum>
      <SignatureDt>2025-04-12</SignatureDt>
      <DiscussWithPaidPreparerInd>false</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>SEAN DALEY</PreparerPersonNm>
      <PTIN>P02317381</PTIN>
      <PhoneNum>5183900578</PhoneNum>
      <PreparationDt>2025-08-11</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2024</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="2">
    <IRS990PF documentId="IRS990PF">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>462849</FMVAssetsEOYAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AnalysisOfRevenueAndExpenses>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <DividendsRevAndExpnssAmt>23198</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>23198</DividendsNetInvstIncmAmt>
        <DividendsAdjNetIncmAmt>23198</DividendsAdjNetIncmAmt>
        <TotalRevAndExpnssAmt>23198</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>23198</TotalNetInvstIncmAmt>
        <TotalAdjNetIncmAmt>23198</TotalAdjNetIncmAmt>
        <TotOprExpensesRevAndExpnssAmt>0</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>0</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>0</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>12500</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>12500</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>12500</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>0</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>12500</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>10698</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>23198</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>23198</AdjustedNetIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <CashBOYAmt>10097</CashBOYAmt>
        <CashEOYAmt>28876</CashEOYAmt>
        <CashEOYFMVAmt>28876</CashEOYFMVAmt>
        <OtherInvestmentsBOYAmt>442054</OtherInvestmentsBOYAmt>
        <OtherInvestmentsEOYAmt referenceDocumentId="STM118">433973</OtherInvestmentsEOYAmt>
        <OtherInvestmentsEOYFMVAmt>433973</OtherInvestmentsEOYFMVAmt>
        <TotalAssetsBOYAmt>452151</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>462849</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>462849</TotalAssetsEOYFMVAmt>
        <TotalLiabilitiesBOYAmt>0</TotalLiabilitiesBOYAmt>
        <TotalLiabilitiesEOYAmt>0</TotalLiabilitiesEOYAmt>
        <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
        <RetainedEarningBOYAmt>452151</RetainedEarningBOYAmt>
        <RetainedEarningEOYAmt>462849</RetainedEarningEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>452151</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>462849</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>452151</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>462849</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>452151</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>10698</ExcessRevenueOverExpensesAmt>
        <SubtotalAmt>462849</SubtotalAmt>
        <TotNetAstOrFundBalancesEOYAmt>462849</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>322</InvestmentIncomeExciseTaxAmt>
        <TaxUnderSection511Amt>0</TaxUnderSection511Amt>
        <SubtotalAmt>322</SubtotalAmt>
        <SubtitleATaxAmt>0</SubtitleATaxAmt>
        <TaxBasedOnInvestmentIncomeAmt>322</TaxBasedOnInvestmentIncomeAmt>
        <TaxDueAmt>322</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>
        <Form990PFFiledWithAttyGenInd>true</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <IndividualWithBooksNm>MARGARET HOLBRTITTER</IndividualWithBooksNm>
        <PhoneNum>5188671987</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>64 SPRING STREET ROAD</AddressLine1Txt>
          <CityNm>ALBANY</CityNm>
          <StateAbbreviationCd>NY</StateAbbreviationCd>
          <ZIPCd>12211</ZIPCd>
        </LocationOfBooksUSAddress>
      </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>MARGARET HOLBRTITTER</PersonNm>
          <USAddress>
            <AddressLine1Txt>64 SPRING STREET ROAD</AddressLine1Txt>
            <CityNm>ALBANY</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12211</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>ELEANOR NASNER</PersonNm>
          <USAddress>
            <AddressLine1Txt>64 SPRING STREET ROAD</AddressLine1Txt>
            <CityNm>ALBANY</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12211</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <OtherEmployeePaidOver50kCnt>0</OtherEmployeePaidOver50kCnt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SumOfProgramRelatedInvstGrp>
        <TotalAmt>0</TotalAmt>
      </SumOfProgramRelatedInvstGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>518991</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>28876</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>547867</TotalFMVOfUnusedAssetsAmt>
        <ReductionClaimedAmt>0</ReductionClaimedAmt>
        <AcquisitionIndebtednessAmt>0</AcquisitionIndebtednessAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>547867</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>8218</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>539649</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>26982</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>26982</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>322</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>322</TotalTaxAmt>
        <DistributableBeforeAdjAmt>26660</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>26660</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>26660</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>12500</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>12500</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>26660</DistributableAsAdjustedAmt>
        <ExcessDistributionCyovYr5Amt>5629</ExcessDistributionCyovYr5Amt>
        <ExcessDistributionCyovYr4Amt>3391</ExcessDistributionCyovYr4Amt>
        <ExcessDistributionCyovYr1Amt>16877</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>25897</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>12500</QualifyingDistributionsAmt>
        <AppliedToCurrentYearAmt>12500</AppliedToCurrentYearAmt>
        <ExcessDistriCyovAppCYCorpusAmt>14160</ExcessDistriCyovAppCYCorpusAmt>
        <ExcessDistributionCyovAppCYAmt>14160</ExcessDistributionCyovAppCYAmt>
        <TotalCorpusAmt>11737</TotalCorpusAmt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <ExcessDistriCyovToNextYrAmt>11737</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear1Amt>11737</ExcessFromYear1Amt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <OnlyContriToPreselectedInd>X</OnlyContriToPreselectedInd>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>CITY MISSION OF SCHENECTADY</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>425 HAMILTON ST</AddressLine1Txt>
            <CityNm>SCHENECTADY</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12305</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>SUPPORT</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>RUSSEL SAGE</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>65 1ST STREET</AddressLine1Txt>
            <CityNm>TROY</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12180</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>SUPPORT</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>FINA</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>299 MARKET STREET</AddressLine1Txt>
            <CityNm>SADDLE BROOK</CityNm>
            <StateAbbreviationCd>NJ</StateAbbreviationCd>
            <ZIPCd>07663</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>SUPPORT</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>HABITAT FOR HUMANITY</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>71 FULLER RD</AddressLine1Txt>
            <CityNm>ALBANY</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12205</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>SUPPORT</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>MARINE TOYS FOR TOTS</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>18251 QUANTICO GATEWAY DRIVE</AddressLine1Txt>
            <CityNm>TRIANGLE</CityNm>
            <StateAbbreviationCd>VA</StateAbbreviationCd>
            <ZIPCd>22172</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>SUPPORT</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>SHIH</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 5068</AddressLine1Txt>
            <CityNm>SAINT MARYS</CityNm>
            <StateAbbreviationCd>GA</StateAbbreviationCd>
            <ZIPCd>31558</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>SUPPORT</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>BEVERWYCK EMPLOYEE</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>40 AUTUMN DR</AddressLine1Txt>
            <CityNm>SLINGERLANDS</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12159</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>SUPPORT</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>DANNY AND RONS RESCUE</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 604</AddressLine1Txt>
            <CityNm>CAMDEN</CityNm>
            <StateAbbreviationCd>SC</StateAbbreviationCd>
            <ZIPCd>29021</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>SUPPORT</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>WORLD WILDLIFE FUND</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>1250 24TH STREET NW</AddressLine1Txt>
            <CityNm>WASHINGTON</CityNm>
            <StateAbbreviationCd>DC</StateAbbreviationCd>
            <ZIPCd>20037</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>SUPPORT</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>12500</TotalGrantOrContriPdDurYrAmt>
        <TotalGrantOrContriApprvFutAmt>0</TotalGrantOrContriApprvFutAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>23198</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>23198</ExclusionAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>23198</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>
    <InvestmentsOtherSchedule2 documentId="STM118">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>ANNUNITY CONTRACT-POLARIS</CategoryOrItemTxt>
        <BookValueAmt>4646</BookValueAmt>
        <EOYFMVAmt>4646</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>STOCKS AND MUTUAL FUNDS</CategoryOrItemTxt>
        <BookValueAmt>429327</BookValueAmt>
        <EOYFMVAmt>429327</EOYFMVAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
  </ReturnData>
</Return>