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      <Form990PartVIISectionAGrp>
        <PersonNm>JOSH CHAITOVSKY</PersonNm>
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        <PersonNm>BECKY KATZ</PersonNm>
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        <PersonNm>STEFANIE DIAMOND</PersonNm>
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        <PersonNm>DAVID WARSHAWSKY</PersonNm>
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      <Form990PartVIISectionAGrp>
        <PersonNm>YOEL HERMAN</PersonNm>
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      <Form990PartVIISectionAGrp>
        <PersonNm>BATSHEVA GOLDSTEIN</PersonNm>
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        <PersonNm>DAVID ISAACSON</PersonNm>
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        <PersonNm>HOWARD MAZIN</PersonNm>
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        <PersonNm>JOSEPH SHATZKES</PersonNm>
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      <Form990PartVIISectionAGrp>
        <PersonNm>BENA SCHWARTZ</PersonNm>
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      <Form990PartVIISectionAGrp>
        <PersonNm>RODNEY GRUNDMAN</PersonNm>
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      <Form990PartVIISectionAGrp>
        <PersonNm>DAVID KAHN</PersonNm>
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        <PersonNm>NATHAN LINDENBAUM</PersonNm>
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      <Form990PartVIISectionAGrp>
        <PersonNm>ALAN WEISFELD</PersonNm>
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        <PersonNm>BINYAMIN RIEDER</PersonNm>
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      <Form990PartVIISectionAGrp>
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        <ExplanationTxt>SCHOOL PUBLICATIONS WHICH MAY BE INSPECTED ON THE SCHOOL'S PREMISES OR WEBSITE.</ExplanationTxt>
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      <SupplementalNonqualRtrPlanInd>0</SupplementalNonqualRtrPlanInd>
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      <AnyNonFixedPaymentsInd>0</AnyNonFixedPaymentsInd>
      <InitialContractExceptionInd>0</InitialContractExceptionInd>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>RABBI CHAIM HAGLER</PersonNm>
        <TitleTxt>PRINCIPAL</TitleTxt>
        <BaseCompensationFilingOrgAmt>172476</BaseCompensationFilingOrgAmt>
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        <DeferredCompRltdOrgsAmt>0</DeferredCompRltdOrgsAmt>
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        <TotalCompensationFilingOrgAmt>221143</TotalCompensationFilingOrgAmt>
        <TotalCompensationRltdOrgsAmt>0</TotalCompensationRltdOrgsAmt>
        <CompReportPrior990FilingOrgAmt>0</CompReportPrior990FilingOrgAmt>
        <CompReportPrior990RltdOrgsAmt>0</CompReportPrior990RltdOrgsAmt>
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    </IRS990ScheduleJ>
    <IRS990ScheduleK documentId="RetDoc1053100001">
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        <BondReferenceCd>A</BondReferenceCd>
        <IssuerName>
          <BusinessNameLine1Txt>BERGEN COUNTY IMPROVEMENT AUTHORITY</BusinessNameLine1Txt>
        </IssuerName>
        <BondIssuerEIN>223562468</BondIssuerEIN>
        <BondIssuedDt>2009-12-01</BondIssuedDt>
        <IssuePriceAmt>10200000</IssuePriceAmt>
        <PurposeDesc>PURCHASE AND RENOVATION OF A BUILDING</PurposeDesc>
        <DefeasedInd>0</DefeasedInd>
        <OnBehalfOfIssuerInd>0</OnBehalfOfIssuerInd>
        <PoolFinancingInd>0</PoolFinancingInd>
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        <AdequateBooksAndRecMaintInd>0</AdequateBooksAndRecMaintInd>
      </TaxExemptBondsProceedsGrp>
      <TaxExemptBondsPrivateBusUseGrp>
        <BondReferenceCd>A</BondReferenceCd>
        <OwningBondFinancedPropertyInd>0</OwningBondFinancedPropertyInd>
        <AnyLeaseArrangementsInd>0</AnyLeaseArrangementsInd>
        <MgmtContractBondFincdPropInd>0</MgmtContractBondFincdPropInd>
        <AnyResearchAgreementsInd>0</AnyResearchAgreementsInd>
        <BondIssMeetPrvtSecPymtTestInd>0</BondIssMeetPrvtSecPymtTestInd>
        <ChangeInUseBondFinancedPropInd>0</ChangeInUseBondFinancedPropInd>
        <ProcsNonqualifiedBondRemdtdInd>0</ProcsNonqualifiedBondRemdtdInd>
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        <BondReferenceCd>A</BondReferenceCd>
        <Form8038TFiledInd>0</Form8038TFiledInd>
        <RebateNotDueYetInd>0</RebateNotDueYetInd>
        <ExceptionToRebateInd>0</ExceptionToRebateInd>
        <NoRebateDueInd>0</NoRebateDueInd>
        <VariableRateIssueInd>0</VariableRateIssueInd>
        <HedgeIdentifiedInBksAndRecInd>0</HedgeIdentifiedInBksAndRecInd>
        <GrossProceedsInvestedInGICInd>0</GrossProceedsInvestedInGICInd>
        <GrossProceedsInvestedInd>0</GrossProceedsInvestedInd>
        <WrittenProcToMonitorReqsInd>0</WrittenProcToMonitorReqsInd>
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      <ProceduresCorrectiveActionGrp>
        <BondReferenceCd>A</BondReferenceCd>
        <ProceduresCorrectiveActionInd>0</ProceduresCorrectiveActionInd>
      </ProceduresCorrectiveActionGrp>
    </IRS990ScheduleK>
    <IRS990ScheduleO documentId="RetDoc1044400001">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE 990 IS REVIEWED BY THE VP LEGAL AND TREASURER, BOTH MEMBERS OF THE EXECUTIVE BOARD, AND SHOWN TO THE PRESIDENT FOR SIGNATURE, BEFORE FILING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION REGUARLY AND CONSISTENTLY MONITORS AND ENFORCES COMPLIANCE WITH THE CONFLICT OF INTERST POLICY THROUGH FREQUEST BOARD MEETINGS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE COMPENSATION OF THE ORGANIZATION'S CEO, EXECUTIVE DIRECTOR AND/OR TOP MANAGEMENT OFFICAL IS DISCUSSED AT EXECUTIVE COMMITTEE MEETINGS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION C, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE ONLY UPON REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART XI, LINE 9:</FormAndLineReferenceDesc>
        <ExplanationTxt>ROUNDING -1.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>