TY 2021 Form 990PF

- TIN:

Form990-PF

Department of the Treasury
Internal Revenue Service

Return of Private Foundation

or Section 4947(a)(1) Trust Treated as Private Foundation

Do not enter social security numbers on this form as it may be made public.
bullet

Go to www.irs.gov/Form990PF for instructions and the latest information.

OMB No. 1545-0047

2021

Open to Public Inspection

For calendar year 2021, or tax year beginning 01-01-2021 , and ending 12-31-2021

Name of foundation
THE ARON AND RITCHEL ZICHRON KDOSHIM
FREE LOAN FUND

Number and street (or P.O. box number if mail is not delivered to street address)2214 AVENUE I
Room/suite

City or town, state or province, country, and ZIP or foreign postal code
BROOKLYN, NY11210

A Employer identification number

20-0504976

B Telephone number (see instructions)

(212) 302-8970

C If exemption application is pending, check here bullet

G Check all that apply: Initial returnInitial return of a former public charity
Final returnAmended return
Address change Name change

D 1. Foreign organizations, check here............. bullet

2. Foreign organizations meeting the 85%
test, check here and attach computation ... bullet

E If private foundation status was terminated
under section 507(b)(1)(A), check here ....... bullet

H Check type of organization: Section 501(c)(3) exempt private foundation
Section 4947(a)(1) nonexempt charitable trust Other taxable private foundation

F If the foundation is in a 60-month termination
under section 507(b)(1)(B), check here ....... bullet

I Fair market value of all assets at end
of year (from Part II, col. (c),
line 16) bullet

$4,358,742J Accounting method: Cash Accrual
Other (specify)
(Part I, column (d) must be on cash basis.)

	Analysis of Revenue and Expenses (The total of amounts in columns (b), (c), and (d) may not necessarily equal the amounts in column (a) (see instructions).)	(a) Revenue and expenses per books		(b) Net investment income	(d) Disbursements for charitable purposes (cash basis only)


1	Contributions, gifts, grants, etc., received (attach schedule)	607,481
2	Check .............
3	Interest on savings and temporary cash investments
4	Dividends and interest from securities...	68,146		68,146
5a	Gross rents............
b	Net rental income or (loss)
6a	Net gain or (loss) from sale of assets not on line 10		134,333
b	Gross sales price for all assets on line 6a 4,117,733
7	Capital gain net income (from Part IV, line 2)...			134,333
8	Net short-term capital gain.........
9	Income modifications...........
10a	Gross sales less returns and allowances
b	Less: Cost of goods sold....
c	Gross profit or (loss) (attach schedule).....
11	Other income (attach schedule).......		689	689
12	Total. Add lines 1 through 11........	810,649		203,168
13	Compensation of officers, directors, trustees, etc.	0		0	0
14	Other employee salaries and wages......
15	Pension plans, employee benefits.......
16a	Legal fees (attach schedule).........
b	Accounting fees (attach schedule).......		4,500	2,000	0
c	Other professional fees (attach schedule)....
17	Interest...............
18	Taxes (attach schedule) (see instructions)...		1,575	0	0
19	Depreciation (attach schedule) and depletion...
20	Occupancy..............
21	Travel, conferences, and meetings.......
22	Printing and publications..........
23	Other expenses (attach schedule).......		11,130	10,840	0
24	Total operating and administrative expenses.
	Add lines 13 through 23..........	17,205		12,840	0
25	Contributions, gifts, grants paid.......	310,310			310,310
26	Total expenses and disbursements. Add lines 24 and 25	327,515		12,840	310,310
27	Subtract line 26 from line 12:
a	Excess of revenue over expenses and disbursements	483,134
b	Net investment income (if negative, enter -0-)			190,328
c	Adjusted net income (if negative, enter -0-)...

For Paperwork Reduction Act Notice, see instructions.

Cat. No. 11289X Form 990-PF (2021)

Form 990-PF (2021)

Page 2

Part II		Balance Sheets	Beginning of year	End of year
Part II		Balance Sheets	(a) Book Value	(b) Book Value	(c) Fair Market Value
	1	Cash—non-interest-bearing.............	2	17,638	17,638
	2	Savings and temporary cash investments.........	464,894	83,813	83,813
	3	Accounts receivable
		Less: allowance for doubtful accounts
	4	Pledges receivable
		Less: allowance for doubtful accounts
	5	Grants receivable.................
	6	Receivables due from officers, directors, trustees, and other
		disqualified persons (attach schedule) (see instructions).....
	7	Other notes and loans receivable (attach schedule) 200,000
		Less: allowance for doubtful accounts 0	0	200,000	200,000
	8	Inventories for sale or use..............
	9	Prepaid expenses and deferred charges..........
	10a	Investments—U.S. and state government obligations (attach schedule)
	b	Investments—corporate stock (attach schedule).......
	c	Investments—corporate bonds (attach schedule).......
	11	Investments—land, buildings, and equipment: basis
		Less: accumulated depreciation (attach schedule)
	12	Investments—mortgage loans.............
	13	Investments—other (attach schedule)..........	2,850,122	3,496,701	4,057,291
	14	Land, buildings, and equipment: basis
		Less: accumulated depreciation (attach schedule)
	15	Other assets (describe )
	16	Total assets (to be completed by all filers—see the
		instructions. Also, see page 1, item I)	3,315,018	3,798,152	4,358,742
	17	Accounts payable and accrued expenses..........
	18	Grants payable.................
	19	Deferred revenue.................
	20	Loans from officers, directors, trustees, and other disqualified persons
	21	Mortgages and other notes payable (attach schedule)......
	22	Other liabilities (describe )
	23	Total liabilities (add lines 17 through 22).........	0	0
		Foundations that follow FASB ASC 958, check here
		and complete lines 24, 25, 29 and 30.
	24	Net assets without donor restrictions...........
	25	Net assets with donor restrictions............
		Foundations that do not follow FASB ASC 958, check here
		and complete lines 26 through 30.
	26	Capital stock, trust principal, or current funds........	0	0
	27	Paid-in or capital surplus, or land, bldg., and equipment fund	0	0
	28	Retained earnings, accumulated income, endowment, or other funds	3,315,018	3,798,152
	29	Total net assets or fund balances (see instructions).....	3,315,018	3,798,152
	30	Total liabilities and net assets/fund balances (see instructions).	3,315,018	3,798,152

Part III

Analysis of Changes in Net Assets or Fund Balances

Total net assets or fund balances at beginning of year—Part II, column (a), line 29 (must agree with end-of-year figure reported on prior year’s return) ...............

3,315,018

Enter amount from Part I, line 27a .....................

483,134

Other increases not included in line 2 (itemize) bullet

Add lines 1, 2, and 3 ..........................

3,798,152

Decreases not included in line 2 (itemize) bullet

Total net assets or fund balances at end of year (line 4 minus line 5)—Part II, column (b), line 29 .

3,798,152

Form 990-PF (2021)

Page 3

Part IV

Capital Gains and Losses for Tax on Investment Income

(a) List and describe the kind(s) of property sold (e.g., real estate, 2-story brick warehouse; or common stock, 200 shs. MLC Co.)		(c) Date acquired (mo., day, yr.)	(d) Date sold (mo., day, yr.)
1 a	ABBVIE INC 2.95%NOV21 26	2021-01-25	2021-07-09
b	APPLE INC 1.20%FEB08 28	2021-02-04	2021-07-09
c	BANK OF AMERICA CORP	2021-05-19	2021-07-09
d	INTEL CORP 3.90%MAR25 30	2020-11-18	2021-07-09
e	COMCAST CORP 1.50%FEB15 31	2021-01-06	2021-07-09
	CVS HEALTH CORP 3.70% 2023	2020-10-06	2021-01-25
	CIGNA CORP 2.40%MAR15 30	2020-10-06	2021-07-09
	COMCAST CORP 3.40%APR01 30	2020-07-17	2021-07-09
	CITIGROUP INC	2021-02-04	2021-07-09
	GOLDMAN SACHS GROUP INC	2021-03-05	2021-07-09
	JPMORGAN CHASE & CO	2021-01-06	2021-07-09
	JPMORGAN CHASE & CO	2021-01-25	2021-07-09
	ORACLE CORP 2.50%APR01 25	2020-08-10	2021-07-09
	VISA INC 2.05%APR15 30	2020-11-18	2021-07-09
	BANK OF AMERICA CORP	2020-10-21	2021-07-09
	BANK OF AMERICA CORP	2021-01-06	2021-07-09
	US TSY 1.250% AUG 15 2031	2021-08-19	2021-12-02
	US TSY 1.250% OCT 31 2021	2020-10-21	2021-05-19
	US TSY 1.125% FEB 28 2021	2021-01-06	2021-03-01
	US TSY 1.125% JUL 31 2021	2021-02-04	2021-03-05
	US TSY 1.125% JUL 31 2021	2021-02-04	2021-07-09
	US TSY 1.125% JUL 31 2021	2021-02-04	2021-08-02
	US TSY 2.625% FEB 15 2029	2020-09-10	2021-01-25
	US TSY 2.625% FEB 15 2029	2020-09-10	2021-07-09
	US TSY 2.625% FEB 15 2029	2020-09-10	2021-07-09
	US TSY 2.625% FEB 15 2029	2020-11-18	2021-07-09
	US TSY 2.625% FEB 15 2029	2021-01-06	2021-07-09
	US TSY 2.625% FEB 15 2029	2021-03-03	2021-07-09
	US TSY 1.625% DEC 15 2022	2021-01-06	2021-07-09
	US TSY 1.625% DEC 15 2022	2021-01-06	2021-11-10
	US TSY 1.625% DEC 15 2022	2021-08-13	2021-11-10
	US TSY 1.500% NOV 30 2021	2021-08-13	2021-11-30
	US TSY 0.750% APR 30 2026	2021-05-19	2021-07-09
	US TSY 0.125% DEC 12 2022	2021-01-25	2021-07-09
	US TSY 1.125% FEB 15 2031	2021-03-05	2021-04-08
	US TSY 0.500% FEB 28 2026	2021-03-05	2021-07-09
	FEDEX CORP DELAWARE COM	2020-04-07	2021-01-05
	FEDEX CORP DELAWARE COM	2020-05-11	2021-01-05
	FEDEX CORP DELAWARE COM	2020-05-21	2021-01-05
	GENERAL MOTORS CO	2020-04-07	2021-01-05
	SNAP INC CL A	2020-07-15	2021-01-05
	AMAZON.COM INC 2.80% 2024	2018-09-10	2021-05-19
	AMAZON.COM INC 2.80% 2024	2018-09-18	2021-05-19
	AMAZON.COM INC 2.80% 2024	2019-03-05	2021-05-19
	AMAZON.COM INC 2.80% 2024	2020-01-07	2021-05-19
	APPLE INC 1.65%MAY11 30	2020-06-23	2021-07-09
	AMN EXPRESS CO 3.70% 2023	2018-09-14	2021-07-09
	AMN EXPRESS CO 3.70% 2023	2019-03-05	2021-07-09
	APPLE INC 2.40%MAY03 23	2018-09-10	2021-01-25
	APPLE INC 2.40%MAY03 23	2019-03-05	2021-01-25
	APPLE INC 2.40%MAY03 23	2020-01-07	2021-01-25
	BP CAP MARKETS AM 3.41% 26	2019-02-11	2021-07-09
	BP CAP MARKETS AM 3.41% 26	2020-01-07	2021-07-09
	FISERV INC 3.50%JUL01 29	2019-06-11	2021-07-09
	FISERV INC 3.50%JUL01 29	2020-01-07	2021-07-09
	CITIGROUP INC 2.90% 2021	2018-09-10	2021-02-04
	CITIGROUP INC 2.90% 2021	2018-09-21	2021-02-04
	CITIGROUP INC 2.90% 2021	2019-03-05	2021-02-04
	CITIGROUP INC 2.90% 2021	2020-01-07	2021-02-04
	CAP ONE FINCL CO 3.80% 28	2018-09-10	2021-07-09
	CAP ONE FINCL CO 3.80% 28	2019-03-05	2021-07-09
	ENTERPRISE PRODUC 3.75% 25	2018-09-14	2021-07-09
	ENTERPRISE PRODUC 3.75% 25	2019-03-08	2021-07-09
	GOLDMAN SACHS GRO 5.25% 21	2018-09-10	2021-07-09
	GOLDMAN SACHS GRO 5.25% 21	2018-09-21	2021-07-27
	GOLDMAN SACHS GRO 5.25% 21	2019-03-05	2021-07-27
	GOLDMAN SACHS GRO 5.25% 21	2020-01-07	2021-07-27
	JPMORGAN CHASE & CO	2018-09-10	2021-07-09
	JPMORGAN CHASE & CO	2019-03-05	2021-07-09
	JPMORGAN CHASE & CO	2020-01-07	2021-07-09
	KINDER MORGAN ENE 3.95% 22	2018-09-14	2021-07-09
	KINDER MORGAN ENE 3.95% 22	2019-03-05	2021-07-09
	KINDER MORGAN ENE 3.95% 22	2020-01-07	2021-12-02
	MARSH & MCLENNAN 4.37% 29	2019-01-11	2021-07-09
	MARSH & MCLENNAN 4.37% 29	2019-03-05	2021-07-09
	NORTHROP GRUMMAN 2.55% 22	2018-09-10	2021-03-24
	NORTHROP GRUMMAN 2.55% 22	2019-03-05	2021-03-24
	NORTHROP GRUMMAN 2.55% 22	2020-01-07	2021-03-24
	VERIZON COMMUN 4.32% 2028	2020-05-27	2021-07-09
	WALMART INC 3.40%JUN26 23	2018-09-13	2021-01-25
	WALMART INC 3.40%JUN26 23	2019-03-05	2021-01-25
	WALMART INC 3.40%JUN26 23	2020-01-07	2021-01-25
	WELLS FARGO & COMPANY	2018-09-10	2021-07-09
	WELLS FARGO & COMPANY	2018-09-21	2021-07-09
	WELLS FARGO & COMPANY	2019-03-05	2021-07-09
	WELLS FARGO & COMPANY	2020-01-07	2021-07-09
	BANK OF AMERICA CORP	2018-09-10	2021-07-09
	MORGAN STANLEY	2019-07-12	2021-07-09
	U.S. TRSY INFLATION NTE	2018-11-01	2021-01-25
	U.S. TRSY INFLATION NTE	2019-03-04	2021-01-25
	U.S. TRSY INFLATION NTE	2020-01-07	2021-01-25
	US TSY 1.625% MAY 15 2026	2018-09-21	2021-06-23
	US TSY 1.625% MAY 15 2026	2019-03-04	2021-06-23
	US TSY 1.625% MAY 15 2026	2019-09-25	2021-06-23
	US TSY 1.625% MAY 15 2026	2020-01-07	2021-06-23
	US TSY 1.625% MAY 15 2026	2020-01-07	2021-07-09
	U.S. TRSY INFLATION NTE	2019-02-11	2021-03-05
	U.S. TRSY INFLATION NTE	2019-03-04	2021-03-05
	U.S. TRSY INFLATION NTE	2020-01-07	2021-03-05
	US TSY 2.500% JAN 31 2021	2019-02-11	2021-02-01
	US TSY 2.500% JAN 31 2021	2019-03-04	2021-02-01
	US TSY 2.500% JAN 31 2021	2020-01-07	2021-02-01
	US TSY 2.625% JAN 31 2026	2019-02-15	2021-02-04
	US TSY 2.625% JAN 31 2026	2019-03-04	2021-02-04
	US TSY 2.625% JAN 31 2026	2019-03-27	2021-02-04
	US TSY 2.625% JAN 31 2026	2019-10-23	2021-02-04
	US TSY 2.625% JAN 31 2026	2019-10-23	2021-07-09
	US TSY 2.625% JAN 31 2026	2020-01-07	2021-07-09
	US TSY 2.625% FEB 15 2029	2020-01-07	2021-01-25
	US TSY 1.500% NOV 30 2021	2019-12-04	2021-07-09
	US TSY 1.500% NOV 30 2021	2020-01-07	2021-07-09
	US TSY 1.500% NOV 30 2021	2020-01-07	2021-11-30
	US TSY 1.500% NOV 30 2021	2020-10-06	2021-11-30
	US TSY 2.250% NOV 15 2024	2018-10-19	2021-07-09
	US TSY 2.250% NOV 15 2024	2019-03-04	2021-07-09
	BLACKROCK STRATEGIC	2020-02-25	2021-07-09
	FHLMC G1 8684 03%2033	2021-02-16	2021-02-16
	FHLMC G1 8684 03%2033	2021-03-15	2021-03-15
	FHLMC G1 8684 03%2033	2021-04-15	2021-04-15
	FHLMC G1 8684 03%2033	2021-05-17	2021-05-17
	FHLMC G1 8684 03%2033	2021-06-15	2021-06-15
	FHLMC G1 8684 03%2033	2021-07-15	2021-07-15
	FHLMC G1 8684 03%2033	2021-08-16	2021-08-16
	FHLMC G1 8684 03%2033	2021-09-15	2021-09-15
	FHLMC G1 8684 03%2033	2021-10-15	2021-10-15
	FHLMC G1 8684 03%2033	2021-11-15	2021-11-15
	FHLMC G1 8684 03%2033	2021-12-15	2021-12-15
	FHLMC G1 8684 03%2033	2022-01-18	2022-01-18
	FHLMC G1 8692 03 50%2033	2021-02-16	2021-02-16
	FHLMC G1 8692 03 50%2033	2021-03-15	2021-03-15
	FHLMC G1 8692 03 50%2033	2021-04-15	2021-04-15
	FHLMC G1 8692 03 50%2033	2021-05-17	2021-05-17
	FHLMC G1 8692 03 50%2033	2021-06-15	2021-06-15
	FHLMC G1 8692 03 50%2033	2021-07-15	2021-07-15
	FHLMC G1 8692 03 50%2033	2021-08-16	2021-08-16
	FHLMC G1 8692 03 50%2033	2021-09-15	2021-09-15
	FHLMC G1 8692 03 50%2033	2021-10-15	2021-10-15
	FHLMC G1 8692 03 50%2033	2021-11-15	2021-11-15
	FHLMC G1 8692 03 50%2033	2021-12-15	2021-12-15
	FHLMC G1 8692 03 50%2033	2022-01-18	2022-01-18
	FNMA PMA3416 04 50%2048	2021-02-25	2021-02-25
	FNMA PMA3416 04 50%2048	2021-03-25	2021-03-25
	FNMA PMA3416 04 50%2048	2021-04-26	2021-04-26
	FNMA PMA3416 04 50%2048	2021-05-25	2021-05-25
	FNMA PMA3416 04 50%2048	2021-06-25	2021-06-25
	FNMA PMA3416 04 50%2048	2021-07-26	2021-07-26
	FNMA PMA3416 04 50%2048	2021-08-25	2021-08-25
	FNMA PMA3416 04 50%2048	2021-09-27	2021-09-27
	FNMA PMA3416 04 50%2048	2021-10-25	2021-10-25
	FNMA PMA3416 04 50%2048	2021-11-26	2021-11-26
	FNMA PMA3416 04 50%2048	2021-12-27	2021-12-27
	FNMA PMA3416 04 50%2048	2022-01-25	2022-01-25
	FHLMC G0 8842 04%2048	2021-02-16	2021-02-16
	FHLMC G0 8842 04%2048	2021-03-15	2021-03-15
	FHLMC G0 8842 04%2048	2021-04-15	2021-04-15
	FHLMC G0 8842 04%2048	2021-05-17	2021-05-17
	FHLMC G0 8842 04%2048	2021-06-15	2021-06-15
	FHLMC G0 8842 04%2048	2021-07-15	2021-07-15
	FHLMC G0 8842 04%2048	2021-08-16	2021-08-16
	FHLMC G0 8842 04%2048	2021-09-15	2021-09-15
	FHLMC G0 8842 04%2048	2021-10-15	2021-10-15
	FHLMC G0 8842 04%2048	2021-11-15	2021-11-15
	FHLMC G0 8842 04%2048	2021-12-15	2021-12-15
	FHLMC G0 8842 04%2048	2022-01-18	2022-01-18
	FNMA PMA3521 04%2048	2021-02-25	2021-02-25
	FNMA PMA3521 04%2048	2021-03-25	2021-03-25
	FNMA PMA3521 04%2048	2021-04-26	2021-04-26
	FNMA PMA3521 04%2048	2021-05-25	2021-05-25
	FNMA PMA3521 04%2048	2021-06-25	2021-06-25
	FNMA PMA3521 04%2048	2021-07-26	2021-07-26
	FNMA PMA3521 04%2048	2021-08-25	2021-08-25
	FNMA PMA3521 04%2048	2021-09-27	2021-09-27
	FNMA PMA3521 04%2048	2021-10-25	2021-10-25
	FNMA PMA3521 04%2048	2021-11-26	2021-11-26
	FNMA PMA3521 04%2048	2021-12-27	2021-12-27
	FNMA PMA3521 04%2048	2022-01-25	2022-01-25
	FHLMC SD 8001 03 50%2049	2021-02-25	2021-02-25
	FHLMC SD 8001 03 50%2049	2021-03-25	2021-03-25
	FHLMC SD 8001 03 50%2049	2021-04-26	2021-04-26
	FHLMC SD 8001 03 50%2049	2021-05-25	2021-05-25
	FHLMC SD 8001 03 50%2049	2021-06-25	2021-06-25
	FHLMC SD 8001 03 50%2049	2021-07-26	2021-07-26
	FHLMC SD 8001 03 50%2049	2021-08-25	2021-08-25
	FHLMC SD 8001 03 50%2049	2021-09-27	2021-09-27
	FHLMC SD 8001 03 50%2049	2021-10-25	2021-10-25
	FHLMC SD 8001 03 50%2049	2021-11-26	2021-11-26
	FHLMC SD 8001 03 50%2049	2021-12-27	2021-12-27
	FHLMC SD 8001 03 50%2049	2022-01-25	2022-01-25
	FHLMC SD 8006 04%2049	2021-02-25	2021-02-25
	FHLMC SD 8006 04%2049	2021-03-25	2021-03-25
	FHLMC SD 8006 04%2049	2021-04-26	2021-04-26
	FHLMC SD 8006 04%2049	2021-05-25	2021-05-25
	FHLMC SD 8006 04%2049	2021-06-25	2021-06-25
	FHLMC SD 8006 04%2049	2021-07-26	2021-07-26
	FHLMC SD 8006 04%2049	2021-08-25	2021-08-25
	FHLMC SD 8006 04%2049	2021-09-27	2021-09-27
	FHLMC SD 8006 04%2049	2021-10-25	2021-10-25
	FHLMC SD 8006 04%2049	2021-11-26	2021-11-26
	FHLMC SD 8006 04%2049	2021-12-27	2021-12-27
	FHLMC SD 8006 04%2049	2022-01-25	2022-01-25
	FNMA PMA3872 03 50%2049	2021-02-25	2021-02-25
	FNMA PMA3872 03 50%2049	2021-03-25	2021-03-25
	FNMA PMA3872 03 50%2049	2021-04-26	2021-04-26
	FNMA PMA3872 03 50%2049	2021-05-25	2021-05-25
	FNMA PMA3872 03 50%2049	2021-06-25	2021-06-25
	FNMA PMA3872 03 50%2049	2021-07-26	2021-07-26
	FNMA PMA3872 03 50%2049	2021-08-25	2021-08-25
	FNMA PMA3872 03 50%2049	2021-09-27	2021-09-27
	FNMA PMA3872 03 50%2049	2021-10-25	2021-10-25
	FNMA PMA3872 03 50%2049	2021-11-26	2021-11-26
	FNMA PMA3872 03 50%2049	2021-12-27	2021-12-27
	FNMA PMA3872 03 50%2049	2022-01-25	2022-01-25
	FNMA PMA4465 02%2051	2021-11-26	2021-11-26
	FNMA PMA4465 02%2051	2021-12-27	2021-12-27
	FNMA PMA4465 02%2051	2022-01-25	2022-01-25
	FNMA PMA4414 02 50%2051	2021-09-27	2021-09-27
	FNMA PMA4414 02 50%2051	2021-10-25	2021-10-25
	FNMA PMA4414 02 50%2051	2021-11-26	2021-11-26
	FNMA PMA4414 02 50%2051	2021-12-27	2021-12-27
	FNMA PMA4414 02 50%2051	2022-01-25	2022-01-25
	FNMA PMA3939 03 50%2050	2021-02-25	2021-02-25
	FNMA PMA3939 03 50%2050	2021-03-25	2021-03-25
	FNMA PMA3939 03 50%2050	2021-04-26	2021-04-26
	FNMA PMA3939 03 50%2050	2021-05-25	2021-05-25
	FNMA PMA3939 03 50%2050	2021-06-25	2021-06-25
	FNMA PMA3939 03 50%2050	2021-07-26	2021-07-26
	FNMA PMA3939 03 50%2050	2021-08-25	2021-08-25
	FNMA PMA3939 03 50%2050	2021-09-27	2021-09-27
	FNMA PMA3939 03 50%2050	2021-10-25	2021-10-25
	FNMA PMA3939 03 50%2050	2021-11-26	2021-11-26
	FNMA PMA3939 03 50%2050	2021-12-27	2021-12-27
	FNMA PMA3939 03 50%2050	2022-01-25	2022-01-25
	FHLMC SD 8074 03%2050	2021-02-25	2021-02-25
	FHLMC SD 8074 03%2050	2021-03-25	2021-03-25
	FHLMC SD 8074 03%2050	2021-04-26	2021-04-26
	FHLMC SD 8074 03%2050	2021-05-25	2021-05-25
	FHLMC SD 8074 03%2050	2021-06-25	2021-06-25
	FHLMC SD 8074 03%2050	2021-07-26	2021-07-26
	FHLMC SD 8074 03%2050	2021-08-25	2021-08-25
	FHLMC SD 8074 03%2050	2021-09-27	2021-09-27
	FHLMC SD 8074 03%2050	2021-10-25	2021-10-25
	FHLMC SD 8074 03%2050	2021-11-26	2021-11-26
	FHLMC SD 8074 03%2050	2021-12-27	2021-12-27
	FHLMC SD 8074 03%2050	2022-01-25	2022-01-25
	FHLMC SD 8107 02 50%2050	2021-02-25	2021-02-25
	FHLMC SD 8107 02 50%2050	2021-03-25	2021-03-25
	FHLMC SD 8107 02 50%2050	2021-04-26	2021-04-26
	FHLMC SD 8107 02 50%2050	2021-05-25	2021-05-25
	FHLMC SD 8107 02 50%2050	2021-06-25	2021-06-25
	FHLMC SD 8107 02 50%2050	2021-07-26	2021-07-26
	FHLMC SD 8107 02 50%2050	2021-08-25	2021-08-25
	FHLMC SD 8107 02 50%2050	2021-09-27	2021-09-27
	FHLMC SD 8107 02 50%2050	2021-10-25	2021-10-25
	FHLMC SD 8107 02 50%2050	2021-11-26	2021-11-26
	FHLMC SD 8107 02 50%2050	2021-12-27	2021-12-27
	FHLMC SD 8107 02 50%2050	2022-01-25	2022-01-25
	FHLMC SD 8108 03%2050	2021-02-25	2021-02-25
	FHLMC SD 8108 03%2050	2021-03-25	2021-03-25
	FHLMC SD 8108 03%2050	2021-04-26	2021-04-26
	FHLMC SD 8108 03%2050	2021-05-25	2021-05-25
	FHLMC SD 8108 03%2050	2021-06-25	2021-06-25
	FHLMC SD 8108 03%2050	2021-07-26	2021-07-26
	FHLMC SD 8108 03%2050	2021-08-25	2021-08-25
	FHLMC SD 8108 03%2050	2021-09-27	2021-09-27
	FHLMC SD 8108 03%2050	2021-10-25	2021-10-25
	FHLMC SD 8108 03%2050	2021-11-26	2021-11-26
	FHLMC SD 8108 03%2050	2021-12-27	2021-12-27
	FHLMC SD 8108 03%2050	2022-01-25	2022-01-25
	FNMA PMA4378 02%2051	2021-07-26	2021-07-26
	FNMA PMA4378 02%2051	2021-08-25	2021-08-25
	FNMA PMA4378 02%2051	2021-09-27	2021-09-27
	FNMA PMA4378 02%2051	2021-10-25	2021-10-25
	FNMA PMA4378 02%2051	2021-11-26	2021-11-26
	FNMA PMA4378 02%2051	2021-12-27	2021-12-27
	FNMA PMA4378 02%2051	2022-01-25	2022-01-25
	FNMA PMA4379 02 50%2051	2021-07-26	2021-07-26
	FNMA PMA4379 02 50%2051	2021-08-25	2021-08-25
	FNMA PMA4379 02 50%2051	2021-09-27	2021-09-27
	FNMA PMA4379 02 50%2051	2021-10-25	2021-10-25
	FNMA PMA4379 02 50%2051	2021-11-26	2021-11-26
	FNMA PMA4379 02 50%2051	2021-12-27	2021-12-27
	FNMA PMA4379 02 50%2051	2022-01-25	2022-01-25
	FHLMC G0 8741 03%2047	2021-02-16	2021-02-16
	FHLMC G0 8741 03%2047	2021-03-15	2021-03-15
	FHLMC G0 8741 03%2047	2021-04-15	2021-04-15
	FHLMC G0 8741 03%2047	2021-05-17	2021-05-17
	FHLMC G0 8741 03%2047	2021-06-15	2021-06-15
	FHLMC G0 8741 03%2047	2021-07-15	2021-07-15
	FHLMC G0 8741 03%2047	2021-08-16	2021-08-16
	FHLMC G0 8741 03%2047	2021-09-15	2021-09-15
	FHLMC G0 8741 03%2047	2021-10-15	2021-10-15
	FHLMC G0 8741 03%2047	2021-11-15	2021-11-15
	FHLMC G0 8741 03%2047	2021-12-15	2021-12-15
	FHLMC G0 8741 03%2047	2022-01-18	2022-01-18
	FNMA PMA3088 04%2047	2021-02-25	2021-02-25
	FNMA PMA3088 04%2047	2021-03-25	2021-03-25
	FNMA PMA3088 04%2047	2021-04-26	2021-04-26
	FNMA PMA3088 04%2047	2021-05-25	2021-05-25
	FNMA PMA3088 04%2047	2021-06-25	2021-06-25
	FNMA PMA3088 04%2047	2021-07-26	2021-07-26
	FNMA PMA3088 04%2047	2021-08-25	2021-08-25
	FNMA PMA3088 04%2047	2021-09-27	2021-09-27
	FNMA PMA3088 04%2047	2021-10-25	2021-10-25
	FNMA PMA3088 04%2047	2021-11-26	2021-11-26
	FNMA PMA3088 04%2047	2021-12-27	2021-12-27
	FNMA PMA3088 04%2047	2022-01-25	2022-01-25
	FHLMC G0 8784 03 50%2047	2021-02-16	2021-02-16
	FHLMC G0 8784 03 50%2047	2021-03-15	2021-03-15
	FHLMC G0 8784 03 50%2047	2021-04-15	2021-04-15
	FHLMC G0 8784 03 50%2047	2021-05-17	2021-05-17
	FHLMC G0 8784 03 50%2047	2021-06-15	2021-06-15
	FHLMC G0 8784 03 50%2047	2021-07-15	2021-07-15
	FHLMC G0 8784 03 50%2047	2021-08-16	2021-08-16
	FHLMC G0 8784 03 50%2047	2021-09-15	2021-09-15
	FHLMC G0 8784 03 50%2047	2021-10-15	2021-10-15
	FHLMC G0 8784 03 50%2047	2021-11-15	2021-11-15
	FHLMC G0 8784 03 50%2047	2021-12-15	2021-12-15
	FHLMC G0 8784 03 50%2047	2022-01-18	2022-01-18
	FHLMC G0 8741 03%2047	2018-09-11	2021-07-09
	FNMA PMA3416 04 50%2048	2018-09-11	2021-07-09
	FNMA PMA3416 04 50%2048	2020-01-08	2021-07-09
	FHLMC G0 8842 04%2048	2018-11-07	2021-07-09
	FHLMC G0 8842 04%2048	2019-03-07	2021-07-09
	FNMA PMA3521 04%2048	2019-03-07	2021-07-09
	FNMA PMA3521 04%2048	2020-01-08	2021-07-09
	FHLMC SD 8001 03 50%2049	2020-01-08	2021-07-09
	FHLMC SD 8006 04%2049	2019-11-22	2021-07-09
	FHLMC SD 8006 04%2049	2020-01-08	2021-07-09
	FNMA PMA3872 03 50%2049	2019-11-22	2021-07-09
	FNMA PMA3872 03 50%2049	2019-11-22	2021-07-09
	FNMA PMA3872 03 50%2049	2019-11-22	2021-07-09
	FNMA PMA3872 03 50%2049	2020-01-08	2021-07-09
	FNMA PMA3939 03 50%2050	2020-08-20	2021-07-09
	FNMA PMA4378 02%2051	2021-06-23	2021-07-09
	FNMA PMA4379 02 50%2051	2021-06-23	2021-07-09
	FHLMC G0 8784 03 50%2047	2018-09-17	2021-07-09
	UNILEVER PLC NEW ADR	2021-07-19	2021-11-16
	LOCKHEED MARTIN CORP	2021-10-21	2021-11-16
	FIDELITY NATL INFO SVCS	2021-08-19	2021-11-16
	UNILEVER PLC NEW ADR	2021-08-19	2021-11-16
	FIDELITY NATL INFO SVCS	2021-07-19	2021-11-16
	VISA INC CL A SHRS	2021-08-19	2021-11-16
	MEDTRONIC PLC SHS	2021-09-20	2021-11-16
	COMCAST CORP NEW CL A	2021-08-19	2021-11-16
	ZIMMER BIOMET HOLDI	2021-07-19	2021-11-16
	VISA INC CL A SHRS	2021-07-19	2021-11-16
	MEDTRONIC PLC SHS	2021-08-19	2021-11-16
	SNAP INC CL A	2021-09-20	2021-11-16
	SNAP INC CL A	2021-08-19	2021-11-16
	ZIMMER BIOMET HOLDI	2021-09-20	2021-11-16
	ZIMMER BIOMET HOLDI	2021-08-19	2021-11-16
	ROSS STORES INC COM	2021-08-19	2021-11-16
	MERCADOLIBRE INC	2021-09-20	2021-11-16
	COMCAST CORP NEW CL A	2021-09-20	2021-11-16
	ALLSTATE CORP DEL COM	2021-08-19	2021-11-16
	WIX COM LTD	2021-07-19	2021-11-16
	UNILEVER PLC NEW ADR	2021-09-20	2021-11-16
	COMCAST CORP NEW CL A	2021-07-19	2021-11-16
	KONINKL PHIL NV SH NEW	2021-07-19	2021-11-16
	SALESFORCE COM INC	2021-11-05	2021-12-01
	SALESFORCE COM INC	2021-11-17	2021-12-01
	AUTODESK INC DEL PV$0.01	2021-08-19	2021-10-04
	TENCENT HOLDINGS LTD ADR	2021-07-19	2021-08-20
	FIDELITY NATL INFO SVCS	2021-07-19	2021-11-11
	MASTERCARD INC	2021-08-19	2021-11-30
	PAYPAL HOLDINGS INC SHS	2021-09-20	2021-11-04
	VISA INC CL A SHRS	2021-07-19	2021-11-02
	PAYPAL HOLDINGS INC SHS	2021-07-19	2021-10-21
	VERIZON COMMUNICATNS COM	2021-07-19	2021-11-16
	VISA INC CL A SHRS	2021-07-19	2021-10-28
	COMCAST CORP NEW CL A	2021-08-19	2021-11-16
	MASTERCARD INC	2021-08-19	2021-12-01
	UNILEVER PLC NEW ADR	2021-07-19	2021-11-11
	PAYPAL HOLDINGS INC SHS	2021-08-19	2021-11-04
	MASTERCARD INC	2021-07-19	2021-11-02
	ADOBE INC	2021-08-19	2021-12-21
	ZIMMER BIOMET HOLDI	2021-07-19	2021-11-11
	VISA INC CL A SHRS	2021-07-19	2021-11-11
	TWILIO INC CL A	2021-09-20	2021-10-06
	MASTERCARD INC	2021-07-19	2021-10-28
	TWILIO INC CL A	2021-08-19	2021-10-06
	PAYPAL HOLDINGS INC SHS	2021-07-19	2021-10-28
	T-MOBILE US INC SHS	2021-07-19	2021-11-05
	PAYPAL HOLDINGS INC SHS	2021-08-19	2021-10-28
	T-MOBILE US INC SHS	2021-08-19	2021-11-05
	RINGCENTRAL INC	2021-07-19	2021-09-21
	COMCAST CORP NEW CL A	2021-07-19	2021-11-11
	BRITISH AMN TOBACO SPADR	2021-07-19	2021-11-11
	MASTERCARD INC	2021-07-19	2021-11-04
	DOLLAR TREE INC	2021-08-19	2021-08-26
	MONDELEZ INTERNATIONAL	2021-07-19	2021-08-06
	RINGCENTRAL INC	2021-07-19	2021-09-22
	VERIZON COMMUNICATNS COM	2021-07-19	2021-11-11
	KONINKL PHIL NV SH NEW	2021-08-19	2021-11-16
	HUMANA INC	2021-07-19	2021-11-11
	DOLLAR TREE INC	2021-07-19	2021-08-26
	AUTODESK INC DEL PV$0.01	2021-07-19	2021-10-04
	TJX COS INC NEW	2021-08-19	2021-09-22
	LOCKHEED MARTIN CORP	2021-10-22	2021-11-16
	KONINKL PHIL NV SH NEW	2021-09-20	2021-11-16
	MASTERCARD INC	2021-07-19	2021-11-04
	MEDTRONIC PLC SHS	2021-07-19	2021-11-11
	MASTERCARD INC	2021-08-19	2021-11-04
	META PLATFORMS INC	2021-07-19	2021-11-11
	T-MOBILE US INC SHS	2021-09-20	2021-11-05
	MORGAN STANLEY	2021-08-19	2021-12-03
	AUTODESK INC DEL PV$0.01	2021-07-19	2021-09-20
	ADOBE INC	2021-07-19	2021-12-20
	ADOBE INC	2021-08-19	2021-12-21
	AMAZON COM INC COM	2021-07-19	2021-11-11
	CIGNA CORP REG SHS	2021-07-19	2021-11-11
	DOLLAR GENERAL CORP	2021-07-19	2021-11-11
	DOLLAR GENERAL CORP	2021-07-19	2021-11-11
	META PLATFORMS INC	2021-07-19	2021-11-11
	LOCKHEED MARTIN CORP	2021-10-21	2021-11-16
	LOWE'S COMPANIES INC	2021-07-19	2021-08-04
	MASTERCARD INC	2021-07-19	2021-10-28
	RINGCENTRAL INC	2021-07-19	2021-09-21
	UNILEVER PLC NEW ADR	2021-07-19	2021-11-11
	UNITEDHEALTH GROUP INC	2021-07-19	2021-10-04
	VERIZON COMMUNICATNS COM	2021-07-19	2021-11-11
	VISA INC CL A SHRS	2021-07-19	2021-10-28
	T-MOBILE US INC SHS	2021-10-14	2021-11-05
	GENERAL ELEC CO REG SHS	2021-07-19	2021-08-04
	RAYMOND JAMES FINL INC	2021-07-19	2021-09-27
	TJX COS INC NEW	2021-09-20	2021-09-22
	SANOFI ADR	2021-07-19	2021-11-11
	CONSTELLATION BRANDS INC	2021-07-19	2021-11-11
	ROSS STORES INC COM	2021-07-19	2021-11-11
	FIRST AMERICAN FINL CORP	2021-07-22	2021-09-30
	SERVICENOW INC	2021-08-19	2021-12-01
	TENCENT HOLDINGS LTD ADR	2021-08-19	2021-08-20
	ANALOG DEVICES INC COM	2021-08-19	2021-12-21
	FIRST AMERICAN FINL CORP	2021-07-22	2021-09-27
	CAPITAL ONE FINL	2021-07-19	2021-11-11
	COCA COLA COM	2021-07-19	2021-11-11
	APPLE INC	2021-07-19	2021-11-11
	KONINKL PHIL NV SH NEW	2021-07-19	2021-11-11
	ROPER TECHNOLOGIES INC	2021-07-19	2021-11-17
	FIRST AMERICAN FINL CORP	2021-07-22	2021-09-29
	CATERPILLAR INC DEL	2021-07-19	2021-11-11
	FID NATIONAL FINL INC	2021-08-19	2021-11-11
	SERVICENOW INC	2021-07-19	2021-12-01
	FIRST AMERICAN FINL CORP	2021-07-22	2021-09-28
	TJX COS INC NEW	2021-07-19	2021-09-22
	NIKE INC CL B	2021-07-19	2021-11-11
	ADOBE INC	2021-07-19	2021-11-11
	DUPONT DE NEMOURS INC	2021-07-19	2021-11-11
	ANALOG DEVICES INC COM	2021-07-19	2021-12-21
	LOWE'S COMPANIES INC	2021-07-19	2021-12-03
	FREEPORT-MCMORAN INC	2021-08-19	2021-11-10
	FREEPORT-MCMORAN INC	2021-07-19	2021-11-10
	SS AND C TECHNOLOGIES	2021-07-19	2021-11-11
	WILLIAMS COMPANIES DEL	2021-07-19	2021-11-17
	UNION PACIFIC CORP	2021-07-19	2021-11-11
	LOWE'S COMPANIES INC	2021-08-03	2021-12-03
	UNITEDHEALTH GROUP INC	2021-07-19	2021-11-11
	SERVICENOW INC	2021-07-19	2021-10-06
	RAYTHEON TECHNOLOGIES	2021-07-19	2021-11-11
	ASTRAZENECA PLC SPND ADR	2021-07-19	2021-11-09
	GENERAL ELEC CO REG SHS	2021-07-19	2021-11-11
	FREEPORT-MCMORAN INC	2021-09-20	2021-11-10
	MOTOROLA SOLUTIONS INC	2021-07-19	2021-08-06
	WILLIAMS COMPANIES DEL	2021-07-19	2021-11-11
	CORTEVA INC REG SHS	2021-07-19	2021-11-11
	CISCO SYSTEMS INC COM	2021-07-19	2021-11-11
	AMER EXPRESS COMPANY	2021-07-19	2021-08-06
	ANALOG DEVICES INC COM	2021-07-19	2021-11-23
	INTUIT INC COM	2021-07-19	2021-11-11
	MORGAN STANLEY	2021-07-19	2021-12-03
	MORGAN STANLEY	2021-07-19	2021-11-11
	SERVICENOW INC	2021-07-19	2021-11-23
	CVS HEALTH CORP	2021-07-19	2021-11-11
	MORGAN STANLEY	2021-07-19	2021-11-09
	NETFLIX COM INC	2021-07-19	2021-11-11
	SHERWIN WILLIAMS	2021-07-19	2021-11-17
	MARATHON PETROLEUM CORP	2021-07-19	2021-11-11
	EQUITABLE HOLDINGS INC	2021-07-19	2021-11-11
	FOX CORP REG SHS CL A	2021-07-19	2021-11-11
	ANTHEM INC	2021-07-19	2021-11-11
	MICROSOFT CORP	2021-07-19	2021-09-24
	RAYMOND JAMES FINL INC	2021-07-19	2021-11-11
	ASTRAZENECA PLC SPND ADR	2021-07-19	2021-11-11
	MARVELL TECH INC	2021-07-19	2021-11-11
	LOWE'S COMPANIES INC	2021-08-19	2021-12-03
	WILLIAMS COMPANIES DEL	2021-07-19	2021-11-16
	JPMORGAN CHASE & CO	2021-07-19	2021-11-11
	GALLAGHER ARTHUR J & CO	2021-07-19	2021-10-21
	CITIGROUP INC COM NEW	2021-07-19	2021-11-11
	BP PLC SPON ADR	2021-07-19	2021-11-11
	METLIFE INC COM	2021-07-19	2021-11-11
	ANTHEM INC	2021-07-19	2021-11-16
	EQUINOR ASA	2021-07-19	2021-11-11
	ALPHABET INC SHS CL A	2021-07-19	2021-11-11
	COGNIZANT TECH SOLUTNS A	2021-07-19	2021-11-11
	GALLAGHER ARTHUR J & CO	2021-07-19	2021-10-22
	SCHWAB CHARLES CORP NEW	2021-07-19	2021-11-11
	GENERAL MOTORS CO	2021-07-19	2021-11-11
	CONOCOPHILLIPS	2021-07-19	2021-11-11
	NVIDIA	2021-07-19	2021-11-11
	APOLLO GLOBAL MGMT LLC	2021-07-19	2021-11-11
	RAYTHEON TECHNOLOGIES	2021-07-19	2021-10-21
	LOWE'S COMPANIES INC	2021-07-19	2021-10-21
	MORGAN STANLEY	2021-07-19	2021-09-24
	MICROSOFT CORP	2021-07-19	2021-11-11
	MICROSOFT CORP	2021-07-19	2021-11-16
	JPMORGAN CHASE & CO	2021-07-19	2021-11-16
	MORGAN STANLEY	2021-07-19	2021-10-21
	WELLS FARGO & CO	2021-07-19	2021-11-11
	COGNIZANT TECH SOLUTNS A	2021-07-19	2021-12-03
	MARATHON PETROLEUM CORP	2021-07-19	2021-10-21
	CONOCOPHILLIPS	2021-07-19	2021-10-21

(e) Gross sales price		(g) Cost or other basis plus expense of sale	(h) Gain or (loss) (e) plus (f) minus (g)
a	48,534	49,230	-696
b	34,625	34,936	-311
c	36,213	35,266	947
d	35,030	35,820	-790
e	28,631	29,315	-684
	11,738	11,702	36
	35,953	36,290	-337
	16,645	17,310	-665
	19,768	20,030	-262
	10,008	9,988	20
	11,019	11,291	-272
	47,308	48,326	-1,018
	42,094	42,672	-578
	36,152	37,121	-969
	30,123	30,252	-129
	5,021	5,080	-59
	14,747	15,009	-262
	55,299	55,273	26
	105,000	105,000	0
	135,569	135,584	-15
	30,020	30,016	4
	35,000	35,000	0
	33,016	33,016	0
	34,273	35,627	-1,354
	32,062	33,310	-1,248
	5,528	5,696	-168
	23,217	23,709	-492
	43,118	42,779	339
	76,608	76,581	27
	45,703	45,727	-24
	5,078	5,081	-3
	5,000	5,000	0
	54,993	54,830	163
	54,989	55,003	-14
	28,612	28,824	-212
	143,504	143,130	374
	69,562	32,756	36,806
	2,548	1,189	1,359
	4,586	2,102	2,484
	28,585	15,497	13,088
	32,305	15,854	16,451
	10,695	9,828	867
	10,695	9,817	878
	10,695	9,916	779
	16,043	15,407	636
	24,882	25,515	-633
	15,969	14,982	987
	5,323	5,043	280
	10,472	9,824	648
	10,472	9,897	575
	10,472	10,125	347
	21,906	20,016	1,890
	16,430	15,760	670
	22,155	20,019	2,136
	22,155	20,995	1,160
	10,196	9,954	242
	10,196	9,947	249
	5,098	4,976	122
	15,294	15,107	187
	11,291	9,617	1,674
	5,645	4,855	790
	16,383	15,023	1,360
	5,461	5,060	401
	10,019	10,007	12
	10,000	10,000	0
	5,000	5,000	0
	15,000	15,000	0
	11,019	9,685	1,334
	5,510	4,924	586
	11,019	10,538	481
	15,467	15,031	436
	5,156	5,034	122
	10,158	10,125	33
	11,778	10,078	1,700
	5,889	5,128	761
	10,344	9,873	471
	10,344	9,922	422
	10,344	10,096	248
	23,280	23,349	-69
	16,080	15,059	1,021
	5,360	5,058	302
	10,720	10,368	352
	10,790	9,855	935
	10,790	9,833	957
	5,395	4,984	411
	5,395	5,167	228
	5,439	4,767	672
	11,722	10,793	929
	24,618	21,409	3,209
	6,154	5,450	704
	18,463	16,918	1,545
	15,547	14,037	1,510
	5,182	4,768	414
	150,284	144,989	5,295
	46,640	44,835	1,805
	67,699	64,761	2,938
	17,832	15,539	2,293
	5,944	5,200	744
	17,832	16,438	1,394
	35,000	35,000	0
	15,000	14,985	15
	30,000	30,000	0
	33,198	30,077	3,121
	16,599	15,003	1,596
	44,264	40,704	3,560
	5,533	5,234	299
	54,309	52,147	2,162
	32,585	31,256	1,329
	40,985	38,272	2,713
	20,112	19,970	142
	25,141	24,978	163
	60,000	59,946	54
	5,000	5,000	0
	10,593	9,728	865
	15,889	14,840	1,049
	114,180	110,660	3,520
	396	396	0
	497	497	0
	569	569	0
	343	343	0
	294	294	0
	245	245	0
	266	266	0
	289	289	0
	349	349	0
	276	276	0
	174	174	0
	199	199	0
	368	368	0
	369	369	0
	388	388	0
	371	371	0
	255	255	0
	261	261	0
	239	239	0
	238	238	0
	181	181	0
	181	181	0
	159	159	0
	157	157	0
	1,282	1,282	0
	1,592	1,592	0
	2,084	2,084	0
	1,549	1,549	0
	1,321	1,321	0
	1,208	1,208	0
	355	355	0
	335	335	0
	290	290	0
	255	255	0
	229	229	0
	241	241	0
	1,649	1,649	0
	1,582	1,582	0
	1,776	1,776	0
	1,522	1,522	0
	1,127	1,127	0
	1,133	1,133	0
	367	367	0
	379	379	0
	334	334	0
	255	255	0
	249	249	0
	220	220	0
	3,092	3,092	0
	3,344	3,344	0
	3,668	3,668	0
	3,027	3,027	0
	2,434	2,434	0
	2,195	2,195	0
	725	725	0
	692	692	0
	601	601	0
	556	556	0
	434	434	0
	463	463	0
	4,254	4,254	0
	3,942	3,942	0
	4,481	4,481	0
	3,689	3,689	0
	2,699	2,699	0
	2,588	2,588	0
	889	889	0
	810	810	0
	800	800	0
	663	663	0
	589	589	0
	548	548	0
	2,801	2,801	0
	3,412	3,412	0
	2,917	2,917	0
	2,984	2,984	0
	2,419	2,419	0
	2,485	2,485	0
	885	885	0
	812	812	0
	722	722	0
	635	635	0
	619	619	0
	609	609	0
	4,431	4,431	0
	4,681	4,681	0
	5,029	5,029	0
	3,578	3,578	0
	3,244	3,244	0
	2,990	2,990	0
	1,280	1,280	0
	1,134	1,134	0
	979	979	0
	1,091	1,091	0
	755	755	0
	764	764	0
	93	93	0
	135	135	0
	150	150	0
	86	86	0
	158	158	0
	114	114	0
	138	138	0
	186	186	0
	7,631	7,631	0
	8,951	8,951	0
	8,064	8,064	0
	6,546	6,546	0
	5,273	5,273	0
	5,138	5,138	0
	1,624	1,624	0
	1,479	1,479	0
	1,400	1,400	0
	1,341	1,341	0
	1,279	1,279	0
	1,230	1,230	0
	3,477	3,477	0
	3,663	3,663	0
	3,757	3,757	0
	2,634	2,634	0
	2,417	2,417	0
	2,545	2,545	0
	2,120	2,120	0
	2,424	2,424	0
	2,280	2,280	0
	2,301	2,301	0
	1,495	1,495	0
	1,342	1,342	0
	432	432	0
	708	708	0
	1,368	1,368	0
	1,100	1,100	0
	979	979	0
	1,214	1,214	0
	1,067	1,067	0
	1,602	1,602	0
	1,613	1,613	0
	1,335	1,335	0
	1,053	1,053	0
	892	892	0
	773	773	0
	958	958	0
	2,670	2,670	0
	2,537	2,537	0
	2,459	2,459	0
	2,345	2,345	0
	1,665	1,665	0
	2,519	2,519	0
	2,024	2,024	0
	2,012	2,012	0
	1,945	1,945	0
	1,290	1,290	0
	247	247	0
	165	165	0
	234	234	0
	244	244	0
	230	230	0
	283	283	0
	317	317	0
	328	328	0
	229	229	0
	294	294	0
	350	350	0
	345	345	0
	436	436	0
	614	614	0
	3,649	3,649	0
	3,608	3,608	0
	3,850	3,850	0
	2,789	2,789	0
	2,130	2,130	0
	2,131	2,131	0
	671	671	0
	638	638	0
	665	665	0
	582	582	0
	517	517	0
	441	441	0
	1,425	1,425	0
	1,407	1,407	0
	1,623	1,623	0
	1,414	1,414	0
	1,091	1,091	0
	1,040	1,040	0
	906	906	0
	883	883	0
	924	924	0
	626	626	0
	664	664	0
	605	605	0
	4,009	4,009	0
	4,185	4,185	0
	4,763	4,763	0
	3,380	3,380	0
	2,697	2,697	0
	2,772	2,772	0
	841	841	0
	881	881	0
	814	814	0
	714	714	0
	592	592	0
	546	546	0
	39,453	34,511	4,942
	7,576	8,297	-721
	5,411	6,056	-645
	7,646	7,098	548
	2,867	3,061	-194
	20,532	21,756	-1,224
	2,053	2,251	-198
	25,475	27,245	-1,770
	24,954	26,273	-1,319
	1,560	1,653	-93
	20,483	21,096	-613
	1,969	2,028	-59
	5,121	5,272	-151
	1,969	2,056	-87
	48,091	51,506	-3,415
	60,637	60,227	410
	61,896	61,623	273
	30,012	27,451	2,561
	9,104	10,369	-1,265
	5,791	6,922	-1,131
	8,174	9,199	-1,025
	10,977	11,841	-864
	3,454	4,258	-804
	10,336	11,100	-764
	8,847	9,609	-762
	6,799	7,552	-753
	5,405	6,131	-726
	6,245	6,931	-686
	7,078	7,748	-670
	2,037	2,684	-647
	2,092	2,719	-627
	6,591	7,189	-598
	6,064	6,642	-578
	5,864	6,415	-551
	3,086	3,631	-545
	9,401	9,929	-528
	3,002	3,490	-488
	972	1,450	-478
	10,977	11,440	-463
	7,170	7,623	-453
	4,668	5,114	-446
	2,051	2,442	-391
	1,795	2,160	-365
	1,633	1,988	-355
	1,230	1,540	-310
	1,300	1,561	-261
	1,887	2,147	-260
	1,357	1,609	-252
	1,674	1,912	-238
	1,228	1,466	-238
	3,652	3,880	-228
	1,687	1,912	-225
	1,912	2,124	-212
	1,242	1,431	-189
	1,416	1,600	-184
	904	1,085	-181
	1,646	1,823	-177
	1,110	1,280	-170
	1,048	1,196	-148
	1,054	1,195	-141
	2,233	2,373	-140
	1,322	1,459	-137
	1,595	1,726	-131
	471	586	-115
	611	720	-109
	707	813	-106
	611	705	-94
	670	760	-90
	1,945	2,033	-88
	1,188	1,274	-86
	669	751	-82
	1,031	1,112	-81
	2,849	2,928	-79
	441	519	-78
	1,154	1,219	-65
	917	971	-54
	1,330	1,378	-48
	1,031	1,073	-42
	817	857	-40
	835	874	-39
	341	375	-34
	292	326	-34
	335	365	-30
	1,196	1,220	-24
	335	358	-23
	989	1,008	-19
	489	505	-16
	783	796	-13
	564	571	-7
	1,645	1,645	0
	555	555	0
	3,507	3,507	0
	1,528	1,528	0
	221	221	0
	1,105	1,105	0
	330	330	0
	5,791	5,791	0
	572	572	0
	661	661	0
	447	447	0
	839	839	0
	386	386	0
	367	367	0
	633	633	0
	122	119	3
	64	60	4
	47	41	6
	835	827	8
	2,265	2,251	14
	1,564	1,545	19
	1,279	1,258	21
	607	586	21
	614	589	25
	1,119	1,088	31
	1,029	996	33
	685	651	34
	1,260	1,225	35
	1,531	1,495	36
	1,037	994	43
	1,048	1,005	43
	1,963	1,916	47
	1,489	1,433	56
	1,465	1,409	56
	1,421	1,360	61
	614	552	62
	1,561	1,498	63
	905	841	64
	1,007	940	67
	1,293	1,202	91
	1,047	941	106
	1,372	1,265	107
	497	383	114
	762	645	117
	800	673	127
	1,420	1,290	130
	882	752	130
	1,200	1,065	135
	745	605	140
	1,369	1,225	144
	1,256	1,104	152
	1,602	1,446	156
	1,506	1,345	161
	1,409	1,246	163
	876	708	168
	3,634	3,448	186
	1,260	1,067	193
	1,254	1,057	197
	2,848	2,638	210
	3,934	3,723	211
	1,636	1,423	213
	1,214	996	218
	2,447	2,224	223
	2,453	2,224	229
	1,900	1,656	244
	1,694	1,438	256
	2,660	2,402	258
	1,321	1,057	264
	1,674	1,402	272
	1,193	916	277
	1,427	1,145	282
	1,850	1,561	289
	2,971	2,681	290
	3,880	3,587	293
	1,613	1,315	298
	2,651	2,353	298
	1,309	980	329
	1,738	1,405	333
	2,431	2,086	345
	2,861	2,488	373
	2,287	1,899	388
	6,488	6,094	394
	2,511	2,086	425
	3,142	2,713	429
	3,887	3,448	439
	1,593	1,147	446
	2,934	2,480	454
	2,509	2,053	456
	2,639	2,171	468
	2,609	2,137	472
	4,147	3,665	482
	1,972	1,433	539
	1,498	934	564
	2,306	1,733	573
	5,219	4,578	641
	4,092	3,449	643
	4,759	4,091	668
	3,997	3,311	686
	3,741	3,035	706
	7,283	6,438	845
	8,016	7,116	900
	6,558	5,517	1,041
	6,739	5,695	1,044
	4,488	3,409	1,079
	4,926	3,503	1,423

Complete only for assets showing gain in column (h) and owned by the foundation on 12/31/69			(l) Gains (Col. (h) gain minus col. (k), but not less than -0-) or Losses (from col.(h))
(i) F.M.V. as of 12/31/69	(j) Adjusted basis as of 12/31/69	(k) Excess of col. (i) over col. (j), if any
a			-696
b			-311
c			947
d			-790
e			-684
			36
			-337
			-665
			-262
			20
			-272
			-1,018
			-578
			-969
			-129
			-59
			-262
			26
			0
			-15
			4
			0
			0
			-1,354
			-1,248
			-168
			-492
			339
			27
			-24
			-3
			0
			163
			-14
			-212
			374
			36,806
			1,359
			2,484
			13,088
			16,451
			867
			878
			779
			636
			-633
			987
			280
			648
			575
			347
			1,890
			670
			2,136
			1,160
			242
			249
			122
			187
			1,674
			790
			1,360
			401
			12
			0
			0
			0
			1,334
			586
			481
			436
			122
			33
			1,700
			761
			471
			422
			248
			-69
			1,021
			302
			352
			935
			957
			411
			228
			672
			929
			3,209
			704
			1,545
			1,510
			414
			5,295
			1,805
			2,938
			2,293
			744
			1,394
			0
			15
			0
			3,121
			1,596
			3,560
			299
			2,162
			1,329
			2,713
			142
			163
			54
			0
			865
			1,049
			3,520
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			4,942
			-721
			-645
			548
			-194
			-1,224
			-198
			-1,770
			-1,319
			-93
			-613
			-59
			-151
			-87
			-3,415
			410
			273
			2,561
			-1,265
			-1,131
			-1,025
			-864
			-804
			-764
			-762
			-753
			-726
			-686
			-670
			-647
			-627
			-598
			-578
			-551
			-545
			-528
			-488
			-478
			-463
			-453
			-446
			-391
			-365
			-355
			-310
			-261
			-260
			-252
			-238
			-238
			-228
			-225
			-212
			-189
			-184
			-181
			-177
			-170
			-148
			-141
			-140
			-137
			-131
			-115
			-109
			-106
			-94
			-90
			-88
			-86
			-82
			-81
			-79
			-78
			-65
			-54
			-48
			-42
			-40
			-39
			-34
			-34
			-30
			-24
			-23
			-19
			-16
			-13
			-7
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			0
			3
			4
			6
			8
			14
			19
			21
			21
			25
			31
			33
			34
			35
			36
			43
			43
			47
			56
			56
			61
			62
			63
			64
			67
			91
			106
			107
			114
			117
			127
			130
			130
			135
			140
			144
			152
			156
			161
			163
			168
			186
			193
			197
			210
			211
			213
			218
			223
			229
			244
			256
			258
			264
			272
			277
			282
			289
			290
			293
			298
			298
			329
			333
			345
			373
			388
			394
			425
			429
			439
			446
			454
			456
			468
			472
			482
			539
			564
			573
			641
			643
			668
			686
			706
			845
			900
			1,041
			1,044
			1,079
			1,423

2	Capital gain net income or (net capital loss)	If gain, also enter in Part I, line 7 If (loss), enter -0- in Part I, line 7	2	134,333
3	Net short-term capital gain or (loss) as defined in sections 1222(5) and (6):
	If gain, also enter in Part I, line 8, column (c) (see instructions). If (loss), enter -0- in Part I, line 8 ...................		3

Form 990-PF (2021)

Page 4

Part V

Excise Tax Based on Investment Income (Section 4940(a), 4940(b), 4940(e), or 4948—see instructions)

1a	Exempt operating foundations described in section 4940(d)(2), check here and enter “N/A" on line 1.
	Date of ruling or determination letter: (attach copy of letter if necessary–see instructions)
b	All other domestic foundations enter 1.39% (0.0139) of line 27b. Exempt foreign organizations enter 4% (0.04) of Part I, line 12, col. (b)
2	Tax under section 511 (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-)	2	0
3	Add lines 1 and 2...........................	3	2,646
4	Subtitle A (income) tax (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-)	4	0
5	Tax based on investment income. Subtract line 4 from line 3. If zero or less, enter -0- .....	5	2,646
6	Credits/Payments:

a	2021 estimated tax payments and 2020 overpayment credited to 2021	6a	1,715
b	Exempt foreign organizations—tax withheld at source......	6b	0
c	Tax paid with application for extension of time to file (Form 8868)...	6c	0
d	Backup withholding erroneously withheld ...........	6d	0

7	Total credits and payments. Add lines 6a through 6d..............		7	1,715
8	Enter any penalty for underpayment of estimated tax. Check here if Form 2220 is attached.		8	0
9	Tax due. If the total of lines 5 and 8 is more than line 7, enter amount owed.......		9	931
10	Overpayment. If line 7 is more than the total of lines 5 and 8, enter the amount overpaid...		10
11	Enter the amount of line 10 to be: Credited to 2022 estimated tax	Refunded	11

Part VI-A

Statements Regarding Activities

During the tax year, did the foundation attempt to influence any national, state, or local legislation or did

Yes

it participate or intervene in any political campaign? ....................

Did it spend more than $100 during the year (either directly or indirectly) for political purposes? See the instructions

for the definition.................................

If the answer is "Yes" to 1a or 1b, attach a detailed description of the activities and copies of any materials

published or distributed by the foundation in connection with the activities.

Did the foundation file Form 1120-POL for this year?.....................

Enter the amount (if any) of tax on political expenditures (section 4955) imposed during the year:

(1) On the foundation. bullet

$ 0(2) On foundation managers. bullet

$ 0

Enter the reimbursement (if any) paid by the foundation during the year for political expenditure tax imposed

on foundation managers. bullet

$ 0

Has the foundation engaged in any activities that have not previously been reported to the IRS?.......

If "Yes," attach a detailed description of the activities.

Has the foundation made any changes, not previously reported to the IRS, in its governing instrument, articles

of incorporation, or bylaws, or other similar instruments? If "Yes," attach a conformed copy of the changes....

Did the foundation have unrelated business gross income of $1,000 or more during the year?.........

If "Yes," has it filed a tax return on Form 990-T for this year?...................

Was there a liquidation, termination, dissolution, or substantial contraction during the year?.........

If "Yes," attach the statement required by General Instruction T.

Are the requirements of section 508(e) (relating to sections 4941 through 4945) satisfied either:

By language in the governing instrument, or

By state legislation that effectively amends the governing instrument so that no mandatory directions

that conflict with the state law remain in the governing instrument?................

Yes

Did the foundation have at least $5,000 in assets at any time during the year? If "Yes," complete Part II, col. (c),

and Part XIV..................................

Yes

Enter the states to which the foundation reports or with which it is registered (see instructions)

If the answer is "Yes" to line 7, has the foundation furnished a copy of Form 990-PF to the Attorney

General (or designate) of each state as required by General Instruction G? If "No," attach explanation .

Yes

Is the foundation claiming status as a private operating foundation within the meaning of section 4942(j)(3)

or 4942(j)(5) for calendar year 2021 or the taxable year beginning in 2021? See the instructions for Part XIII.

If "Yes," complete Part XIII .............................

Did any persons become substantial contributors during the tax year? If "Yes," attach a schedule listing their names

and addresses. ...............................

Form 990-PF (2021)

Page 5

Part VI-A

Statements Regarding Activities (continued)

At any time during the year, did the foundation, directly or indirectly, own a controlled entity within the

meaning of section 512(b)(13)? If "Yes," attach schedule. See instructions .............

Did the foundation make a distribution to a donor advised fund over which the foundation or a disqualified person had

advisory privileges? If "Yes," attach statement. See instructions.................

Did the foundation comply with the public inspection requirements for its annual returns and exemption application?

Yes

Website address bullet

N/A

The books are in care of bullet

GOLDBURD CO LLP Telephone no. bullet

(212) 302-8970

Located at bullet

11 BROADWAY SUITE 1155NEW YORKNY ZIP+4 bullet

10018

Section 4947(a)(1) nonexempt charitable trusts filing Form 990-PF in lieu of Form 1041 —check here ......... bullet

and enter the amount of tax-exempt interest received or accrued during the year ........ bullet

16 At any time during calendar year 2021, did the foundation have an interest in or a signature or other authority over YesNo

a bank, securities, or other financial account in a foreign country? .................

16 No

See the instructions for exceptions and filing requirements for FinCEN Form 114. If "Yes", enter the name of the foreign
country bullet

Part VI-B

Statements Regarding Activities for Which Form 4720 May Be Required

File Form 4720 if any item is checked in the "Yes" column, unless an exception applies.

Yes

During the year did the foundation (either directly or indirectly):

(1) Engage in the sale or exchange, or leasing of property with a disqualified person? ...........

1a(1)

(2) Borrow money from, lend money to, or otherwise extend credit to (or accept it from)

a disqualified person? ..............................

1a(2)

(3) Furnish goods, services, or facilities to (or accept them from) a disqualified person? ...........

1a(3)

(4) Pay compensation to, or pay or reimburse the expenses of, a disqualified person? ............

1a(4)

(5) Transfer any income or assets to a disqualified person (or make any of either available

for the benefit or use of a disqualified person)? ......................

1a(5)

(6) Agree to pay money or property to a government official? (Exception. Check "No"

if the foundation agreed to make a grant to or to employ the official for a period

after termination of government service, if terminating within 90 days.) ...............

1a(6)

If any answer is "Yes" to 1a(1)–(6), did any of the acts fail to qualify under the exceptions described in Regulations

section 53.4941(d)-3 or in a current notice regarding disaster assistance? See instructions ..........

Organizations relying on a current notice regarding disaster assistance check here........ bullet

Did the foundation engage in a prior year in any of the acts described in 1a, other than excepted acts,

that were not corrected before the first day of the tax year beginning in 2021? .............

Taxes on failure to distribute income (section 4942) (does not apply for years the foundation was a private

operating foundation defined in section 4942(j)(3) or 4942(j)(5)):

At the end of tax year 2021, did the foundation have any undistributed income (lines 6d

and 6e, Part XII) for tax year(s) beginning before 2021?....................

If "Yes," list the years bullet

20, 20, 20, 20

Are there any years listed in 2a for which the foundation is not applying the provisions of section 4942(a)(2)

(relating to incorrect valuation of assets) to the year’s undistributed income? (If applying section 4942(a)(2)

to all years listed, answer "No" and attach statement—see instructions.) ..............

If the provisions of section 4942(a)(2) are being applied to any of the years listed in 2a, list the years here.

20, 20, 20, 20

Did the foundation hold more than a 2% direct or indirect interest in any business enterprise at

any time during the year? ..............................

If "Yes," did it have excess business holdings in 2021 as a result of (1) any purchase by the foundation

or disqualified persons after May 26, 1969; (2) the lapse of the 5-year period (or longer period approved

by the Commissioner under section 4943(c)(7)) to dispose of holdings acquired by gift or bequest; or (3)

the lapse of the 10-, 15-, or 20-year first phase holding period? (Use Schedule C, Form 4720, to determine

if the foundation had excess business holdings in 2021.) .....................

Did the foundation invest during the year any amount in a manner that would jeopardize its charitable purposes?

Did the foundation make any investment in a prior year (but after December 31, 1969) that could jeopardize its

charitable purpose that had not been removed from jeopardy before the first day of the tax year beginning in 2021? ..

Form 990-PF (2021)

Page 6

Part VI-B

Statements Regarding Activities for Which Form 4720 May Be Required (continued)

During the year did the foundation pay or incur any amount to:

Yes

(1) Carry on propaganda, or otherwise attempt to influence legislation (section 4945(e))? ..........

5a(1)

(2) Influence the outcome of any specific public election (see section 4955); or to carry

on, directly or indirectly, any voter registration drive? ....................

5a(2)

(3) Provide a grant to an individual for travel, study, or other similar purposes? .............

5a(3)

(4) Provide a grant to an organization other than a charitable, etc., organization described

in section 4945(d)(4)(A)? See instructions ........................

5a(4)

(5) Provide for any purpose other than religious, charitable, scientific, literary, or

educational purposes, or for the prevention of cruelty to children or animals? .............

5a(5)

If any answer is "Yes" to 5a(1)–(5), did any of the transactions fail to qualify under the exceptions described in

Regulations section 53.4945 or in a current notice regarding disaster assistance? See instructions ........

Organizations relying on a current notice regarding disaster assistance check here ......... bullet

If the answer is "Yes" to question 5a(4), does the foundation claim exemption from the

tax because it maintained expenditure responsibility for the grant? .................

If "Yes," attach the statement required by Regulations section 53.4945–5(d).

Did the foundation, during the year, receive any funds, directly or indirectly, to pay premiums on

a personal benefit contract? .............................

Did the foundation, during the year, pay premiums, directly or indirectly, on a personal benefit contract? ....

If "Yes" to 6b, file Form 8870.

At any time during the tax year, was the foundation a party to a prohibited tax shelter transaction?

If "Yes", did the foundation receive any proceeds or have any net income attributable to the transaction? .....

Is the foundation subject to the section 4960 tax on payment(s) of more than $1,000,000 in remuneration or

excess parachute payment during the year? .........................

Part VII

Information About Officers, Directors, Trustees, Foundation Managers, Highly Paid Employees,
and Contractors

1 List all officers, directors, trustees, foundation managers and their compensation. See instructions

(a) Name and address	(b) Title, and average hours per week devoted to position	(c) Compensation (If not paid, enter -0-)	(d) Contributions to employee benefit plans and deferred compensation	(e) Expense account, other allowances
ARON TESSLER	TRUSTEE 0.25	0	0	0
2214 AVENUE I BROOKLYN,NY11210	TRUSTEE 0.25	0	0	0
NAOMI TESSLER	TRUSTEE 0.25	0	0	0
2214 AVENUE I BROOKLYN,NY11210	TRUSTEE 0.25	0	0	0
MENDEL TESSLER	TRUSTEE 0.25	0	0	0
2214 AVENUE I BROOKLYN,NY11210	TRUSTEE 0.25	0	0	0

2 Compensation of five highest-paid employees (other than those included on line 1—see instructions). If none, enter “NONE."


(a) Name and address of each employee paid more than $50,000	(b) Title, and average hours per week devoted to position	(c) Compensation	(d) Contributions to employee benefit plans and deferred compensation	(e) Expense account, other allowances
NONE









Total number of other employees paid over $50,000...................				0

Form 990-PF (2021)

Page 7

Part VII

Information About Officers, Directors, Trustees, Foundation Managers, Highly Paid Employees,
and Contractors (continued)

3 Five highest-paid independent contractors for professional services (see instructions). If none, enter "NONE".
(a) Name and address of each person paid more than $50,000	(b) Type of service	(c) Compensation
NONE

Total number of others receiving over $50,000 for professional services............. bullet

Part VIII-A

Summary of Direct Charitable Activities

List the foundation’s four largest direct charitable activities during the tax year. Include relevant statistical information such as the number of organizations and other beneficiaries served, conferences convened, research papers produced, etc.	Expenses
1


2


3


4

Part VIII-B

Summary of Program-Related Investments (see instructions)

Describe the two largest program-related investments made by the foundation during the tax year on lines 1 and 2.	Amount
1


2


All other program-related investments. See instructions.
3

Total. Add lines 1 through 3......................... bullet

Form 990-PF (2021)

Page 8

Part IX

Minimum Investment Return (All domestic foundations must complete this part. Foreign foundations, see instructions.)

Fair market value of assets not used (or held for use) directly in carrying out charitable, etc.,

purposes:

Average monthly fair market value of securities...................

3,049,003

Average of monthly cash balances.......................

326,382

Fair market value of all other assets (see instructions)................

Total (add lines 1a, b, and c).........................

3,375,385

Reduction claimed for blockage or other factors reported on lines 1a and

1c (attach detailed explanation) .............

Acquisition indebtedness applicable to line 1 assets..................

Subtract line 2 from line 1d.........................

3,375,385

Cash deemed held for charitable activities. Enter 1.5% (0.015) of line 3 (for greater amount, see

instructions) .............................

50,631

Net value of noncharitable-use assets. Subtract line 4 from line 3. .......

3,324,754

Minimum investment return. Enter 5% (0.05) of line 5................

166,238

Part X

Distributable Amount (see instructions) (Section 4942(j)(3) and (j)(5) private operating foundations and certain foreign organizations check here right arrow

and do not complete this part.)

Minimum investment return from Part IX, line 6..................

166,238

Tax on investment income for 2021 from Part V, line 5.......

2,646

Income tax for 2021. (This does not include the tax from Part V.) ...

Add lines 2a and 2b............................

2,646

Distributable amount before adjustments. Subtract line 2c from line 1............

163,592

Recoveries of amounts treated as qualifying distributions................

Add lines 3 and 4............................

163,592

Deduction from distributable amount (see instructions).................

Distributable amount as adjusted. Subtract line 6 from line 5. Enter here and on Part XII, line 1 ...

163,592

Part XI

Qualifying Distributions (see instructions)

Amounts paid (including administrative expenses) to accomplish charitable, etc., purposes:

Expenses, contributions, gifts, etc.—total from Part I, column (d), line 26 ..........

Program-related investments—total from Part VIII-B..................

Amounts paid to acquire assets used (or held for use) directly in carrying out charitable, etc.,

purposes...............................

Amounts set aside for specific charitable projects that satisfy the:

Suitability test (prior IRS approval required)....................

Cash distribution test (attach the required schedule) .................

Qualifying distributions. Add lines 1a through 3b. Enter here and on Part XII, line 4.

Form 990-PF (2021)

Page 9

Part XII

Undistributed Income (see instructions)

		(a) Corpus	(b) Years prior to 2020	(c) 2020	(d) 2021
1 Distributable amount for 2021 from Part X, line 7					163,592
2 Undistributed income, if any, as of the end of 2021:
a Enter amount for 2020 only.......				0
b Total for prior years:20, 20, 20			0
3 Excess distributions carryover, if any, to 2021:
a From 2016......	181,372
b From 2017......
c From 2018......	31,907
d From 2019......
e From 2020......	162,722
f Total of lines 3a through e ........		376,001
4Qualifying distributions for 2021 from Part
XI, line 4: $ 310,310
a Applied to 2020, but not more than line 2a				0
b Applied to undistributed income of prior years (Election required—see instructions).....			0
c Treated as distributions out of corpus (Election required—see instructions)........		0
d Applied to 2021 distributable amount.....					163,592
e Remaining amount distributed out of corpus		146,718
5 Excess distributions carryover applied to 2021.		0			0
(If an amount appears in column (d), the same amount must be shown in column (a).)
6Enter the net total of each column as indicated below:
a Corpus. Add lines 3f, 4c, and 4e. Subtract line 5		522,719
b Prior years’ undistributed income. Subtract line 4b from line 2b ..........			0
c Enter the amount of prior years’ undistributed income for which a notice of deficiency has been issued, or on which the section 4942(a) tax has been previously assessed......			0
d Subtract line 6c from line 6b. Taxable amount —see instructions ...........			0
e Undistributed income for 2019. Subtract line 4a from line 2a. Taxable amount—see instructions .............				0
f Undistributed income for 2021. Subtract lines 4d and 5 from line 1. This amount must be distributed in 2022 ..........					0
7 Amounts treated as distributions out of corpus to satisfy requirements imposed by section 170(b)(1)(F) or 4942(g)(3) (Election may be required - see instructions) .......		0
8 Excess distributions carryover from 2016 not applied on line 5 or line 7 (see instructions) ...		181,372
9 Excess distributions carryover to 2022. Subtract lines 7 and 8 from line 6a ......		341,347
10 Analysis of line 9:
a Excess from 2017....
b Excess from 2018....	31,907
c Excess from 2019....
d Excess from 2020....	162,722
e Excess from 2021....	146,718

Form 990-PF (2021)

Page 10

Part XIII

Private Operating Foundations (see instructions and Part VI-A, question 9)

1a If the foundation has received a ruling or determination letter that it is a private operating
foundation, and the ruling is effective for 2021, enter the date of the ruling ....... bullet

b Check box to indicate whether the organization is a private operating foundation described in section 4942(j)(3) or4942(j)(5)

2a Enter the lesser of the adjusted net income from Part I or the minimum investment return from Part X for each year listed ..........	Tax year	Prior 3 years			(e) Total
	(a) 2021	(b) 2020	(c) 2019	(d) 2018	(e) Total

b 85% (0.85) of line 2a .........
c Qualifying distributions from Part XI, line 4 for each year listed .....
d Amounts included in line 2c not used directly for active conduct of exempt activities ..........
e Qualifying distributions made directly for active conduct of exempt activities. Subtract line 2d from line 2c ....
3 Complete 3a, b, or c for the alternative test relied upon:
a “Assets" alternative test—enter:
(1) Value of all assets ......
(2) Value of assets qualifying under section 4942(j)(3)(B)(i)
b “Endowment" alternative test— enter 2/3 of minimum investment return shown in Part IX, line 6 for each year listed ..
c “Support" alternative test—enter:
(1) Total support other than gross investment income (interest, dividends, rents, payments on securities loans (section 512(a)(5)), or royalties) ....
(2) Support from general public and 5 or more exempt organizations as provided in section 4942(j)(3)(B)(iii)....
(3) Largest amount of support from an exempt organization
(4) Gross investment income

Part XIV

Supplementary Information (Complete this part only if the foundation had $5,000 or more in
assets at any time during the year—see instructions.)

1Information Regarding Foundation Managers:

aList any managers of the foundation who have contributed more than 2% of the total contributions received by the foundation
before the close of any tax year (but only if they have contributed more than $5,000). (See section 507(d)(2).)

ARON TESSLER

bList any managers of the foundation who own 10% or more of the stock of a corporation (or an equally large portion of the
ownership of a partnership or other entity) of which the foundation has a 10% or greater interest.

2Information Regarding Contribution, Grant, Gift, Loan, Scholarship, etc., Programs:

Check here bullet

if the foundation only makes contributions to preselected charitable organizations and does not accept
unsolicited requests for funds. If the foundation makes gifts, grants, etc. to individuals or organizations under
other conditions, complete items 2a, b, c, and d. See instructions

aThe name, address, and telephone number or email address of the person to whom applications should be addressed:

bThe form in which applications should be submitted and information and materials they should include:

cAny submission deadlines:

dAny restrictions or limitations on awards, such as by geographical areas, charitable fields, kinds of institutions, or other
factors:

Form 990-PF (2021)

Page 11

Part XIV

Supplementary Information (continued)

3 Grants and Contributions Paid During the Year or Approved for Future Payment
Recipient	If recipient is an individual, show any relationship to any foundation manager or substantial contributor	Foundation status of recipient	Purpose of grant or contribution	Amount
Name and address (home or business)		Foundation status of recipient	Purpose of grant or contribution	Amount
aPaid during the year
VARIOUS CHARITIES VARIOUS NEW YORK,NY10004	NONE	CHARITY	CHARITABLE	310,310
Total ................................. 3a				310,310

bApproved for future payment

Total ................................. 3b				0

Form 990-PF (2021)

Page 12

Part XV-A

Analysis of Income-Producing Activities

Enter gross amounts unless otherwise indicated.	Unrelated business income		Excluded by section 512, 513, or 514		(e) Related or exempt function income (See instructions.)
1Program service revenue:	(a) Business code	(b) Amount	(c) Exclusion code	(d) Amount	(e) Related or exempt function income (See instructions.)
a
b
c
d
e
f
gFees and contracts from government agencies
2 Membership dues and assessments ....
3 Interest on savings and temporary cash investments ...........
4 Dividends and interest from securities ....
5 Net rental income or (loss) from real estate:
aDebt-financed property......
bNot debt-financed property.....
6 Net rental income or (loss) from personal property
7 Other investment income .....
8 Gain or (loss) from sales of assets other than inventory ............			18	134,333
9 Net income or (loss) from special events:
10 Gross profit or (loss) from sales of inventory
11 Other revenue: a
b
c
d
e
12 Subtotal. Add columns (b), (d), and (e) ..		0		203,168	0

13Total. Add line 12, columns (b), (d), and (e)..................

203,168

(See worksheet in line 13 instructions to verify calculations.)

Part XV-B

Relationship of Activities to the Accomplishment of Exempt Purposes

Line No.	Explain below how each activity for which income is reported in column (e) of Part XV-A contributed importantly to the accomplishment of the foundation’s exempt purposes (other than by providing funds for such purposes). (See instructions.)

Form 990-PF (2021)

Page 13

Part XVI

Information Regarding Transfers To and Transactions and Relationships With Noncharitable Exempt Organizations

Did the organization directly or indirectly engage in any of the following with any other organization described in section 501(c) (other than section 501(c)(3) organizations) or in section 527, relating to political organizations?

Yes

Transfers from the reporting foundation to a noncharitable exempt organization of:

(1) Cash...................................

1a(1)

(2) Other assets.................................

1a(2)

Other transactions:

(1) Sales of assets to a noncharitable exempt organization....................

1b(1)

(2) Purchases of assets from a noncharitable exempt organization..................

1b(2)

(3) Rental of facilities, equipment, or other assets.......................

1b(3)

(4) Reimbursement arrangements...........................

1b(4)

(5) Loans or loan guarantees.............................

1b(5)

(6) Performance of services or membership or fundraising solicitations................

1b(6)

Sharing of facilities, equipment, mailing lists, other assets, or paid employees..............

If the answer to any of the above is "Yes," complete the following schedule. Column (b) should always show the fair market value
of the goods, other assets, or services given by the reporting foundation. If the foundation received less than fair market value
in any transaction or sharing arrangement, show in column (d) the value of the goods, other assets, or services received.

(a) Line No.	(b) Amount involved	(c) Name of noncharitable exempt organization	(d) Description of transfers, transactions, and sharing arrangements

Is the foundation directly or indirectly affiliated with, or related to, one or more tax-exempt organizations
described in section 501(c) (other than section 501(c)(3)) or in section 527? ...........Yes No

If "Yes," complete the following schedule.

(a) Name of organization	(b) Type of organization	(c) Description of relationship

Sign Here

Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct, and complete. Declaration of preparer (other than taxpayer) is based on all information of which preparer has any knowledge.
				May the IRS discuss this return with the preparer shown below? See instructions. Yes No
	Signature of officer or trustee	Date	Title

Paid Preparer Use Only	Print/Type preparer's name	Preparer's Signature	Date	Check if self- employed	PTIN
	Firm's name				Firm's EIN
	Firm's address				Phone no.

Form 990-PF (2021)

Additional Data

Software ID:
Software Version:

Form 990PF - Special Condition Description:

Special Condition Description

Name of organization THE ARON AND RITCHEL ZICHRON KDOSHIM FREE LOAN FUND

Part I Contributors	Contributors (see instructions). Use duplicate copies of Part I if additional space is needed.
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
1	TESSLER ASSOCIATES LLC 2214 AVENUE I BROOKLYN, NY11210	$ 457,481	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
2	FCF GEMACH 2020 LLC 1968 FLATBUSH AVE BROOKLYN, NY11234	$ 50,000	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
3	ICHUD MOSDOS HACHINUCH 1563 49TH STREET BROOKLYN, NY11219	$ 100,000	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
Schedule B (Form 990) (2021)

Name of organization THE ARON AND RITCHEL ZICHRON KDOSHIM FREE LOAN FUND		Employer identification number 20-0504976

Part II	Noncash Property (see instructions). Use duplicate copies of Part II if additional space is needed.
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
Schedule B (Form 990) (2021)

Description	Revenue and Expenses per Books	Net Investment Income
FILING FEE	250	0
ADVISORY FEES	10,840	10,840
BANK CHARGES	40	0

Category	Amount	Net Investment Income	Adjusted Net Income	Disbursements for Charitable Purposes
EXCISE TAX	1,500	0		0
FOREIGN TAX	75	0		0


Name of organization THE ARON AND RITCHEL ZICHRON KDOSHIM FREE LOAN FUND			Employer identification number 20-0504976
Part III Exclusively religious, charitable, etc., contributions to organizations described in section 501(c)(7), (8), or (10) that total more than $1,000 for the year from any one contributor. Complete columns (a) through (e) and the following line entry. For organizations completing Part III, enter the total of exclusively religious, charitable, etc., contributions of $1,000 or less for the year. (Enter this information once. See instructions.) $ Use duplicate copies of Part III if additional space is needed.