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        <FormAndLineReferenceDesc>PART X - LINE 2</FormAndLineReferenceDesc>
        <ExplanationTxt>As of December 31, 2014, no amounts have been recognized for uncertain income tax positions. In addition, the Foundation's 2011 tax returns and forward are subject to the usual review by the appropriate authorities.</ExplanationTxt>
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        <FormAndLineReferenceDesc>PART III - LINE 1</FormAndLineReferenceDesc>
        <ExplanationTxt>OUR MISSION: High Water Women ("HWW") empowers women and youth in need by creating powerful volunteer opportunities that leverage the talents and aspirations of professional women. Our Work: We are a volunteer-driven organization working with nonprofit partners to identify significant volunteer and grant making opportunities to advance the nonprofit's mission while best utilizing the skills of our members. Our Impact iS in three key areas: 1.Enriched education for at-risk youth 2.Relieving the impact of family poverty 3.Economic empowerment for women Each year, we contribute thousands of volunteer hours to our partner organizations. We are best able to create measurable results where philanthropy and volunteerism are coupled, and therefore we partner exclusively with organizations where our philanthropic and volunteerism goals converge.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>PART III - LINE 4a</FormAndLineReferenceDesc>
        <ExplanationTxt>Backpack Drive: Our yearly Back-to-School Backpack Drive directly benefits at-risk elementary and high school students living in New York City and the tri-state area by providing a fully-supplied backpack to start the new school year. Our all-volunteer fundraising committee raises up to $200,000 annually and secures in-kind donations allowing us to assemble thousands of backpacks for youth who are homeless, living in foster care and living in poverty. Our Backpack Drive nonprofit partners tell us that this simple act helps kids understand that they can take responsibility for learning and succeeding in school. Since the Backpack Drive began in 2005, we have provided backpacks to more than 22,000 children in need. part iii - line 4b Symposium/Impact: High Water Women's Investing for Impact Symposium is a one-day event that provides opportunities for investors and finance professionals to learn about innovation and investment opportunities across asset classes for aligning investments with impact. We will bring together current and prospective impact investors and other key stakeholders to hear from and engage with peers and experts, share ideas and experiences, and participate in facilitated discussions in the spirit of learning and expanding the scope of the impact dialogue. part iii - line 4c Financial Literacy In todays complicated financial world, it is increasingly important for young people to learn the fundamentals of earning, saving and investment. It is equally important to understand the implications of debt and to avoid the pitfalls of unscrupulous lenders and phishers and other predatory practices. To address this issue, we joined forces with financial industry legend Muriel Siebert in 2009 to launch the Muriel Siebert High Water Women Campaign for Financial Literacy. The objective of the program is to teach low-income teens how to manage money responsibly and to lay the groundwork for a more secure financial future. The curriculum used in the program was developed by the Siebert Foundation for youth 13-21yrs. to gain the knowledge and skills necessary to participate in the banking system, avoid predatory lenders, manage debt, avoid bad credit, understand taxes, and to budget and spend wisely. Because these essential skills are not included in the school-day curriculums for most NYC public school students, the High Water Women financial literacy program presents a unique opportunity for students to learn about personal finance in after-school and community-based settings. Partners: HWW works with program providers under the NYC Department of Youth and Community Development, the New York Public Library and nonprofit social service and educational groups to identify after-school and community-based sites for the program. We recruit and train volunteers, mostly from the financial services industry, and match them with program sites to provide this valuable instruction to hundreds of low-income teens throughout New York City. High Water Women offers this instructional program at no cost to our organizational partners and program sites. Program: The curriculum is taught in eight weekly sessions (we can also provide a four session module) generally in late afternoons and early evenings. There are three to four volunteers assigned to each program site who share teaching responsibilities with two volunteers scheduled for each session. To prepare volunteers for the program HWW provides three hours of training in the curriculum and tips for teaching teen audiences. Volunteers are provided with curriculum materials and classroom supplies, and supported during their volunteer assignments by other experienced volunteers and HWW staff. Incentives such as $25 gift cards and completion certificates are offered to students who complete the program. HWW developed questionnaires for students and volunteers to complete at the conclusion of each program. This feedback helps HWW assess and improve the program for volunteers and for students. part iii - line 4d Secret Santa: Each December, we fulfill the holiday wishes of more than 500 children in need in New York City. Through generous contributions from our members and supporters, and through the hard work of our volunteers, we respond to letters shared with us by our nonprofit partners. We not only buy and deliver the special gift requested directly by the children, but also more practical gifts suggested by their parents. Microfinance: The HWW microfinance team is a recognized thought and training leader. Since 2005, we have designed groundbreaking microfinance projects in partnership with leading global microfinance networks to foster a connection between private sector volunteerism and microfinance institutions (MFI). Our work focuses on assisting MFI networks by developing and presenting comprehensive training materials. Accomplishments include: Developing a Master Class on Microfinance: Introductory Module for Grameen Foundation USA to use to introduce the microfinance industry to private sector bankers who are interested in volunteering for Grameen's Bankers Without Border program. This basic training module has already trained 1,000 volunteers and staff. Designing training modules for Grameen in Treasury Management and Investor Readiness and engaging in training Grameen staff and microfinance affiliates in understanding and implementing these concepts. Working with Women's World Banking on a module in Managing Currency Risk which will also be directed at their MFI network. Assisting our nonprofit partner "Count Me In" by evaluating business plans and loan applications from women entrepreneurs. Supporting social and economic empowerment of underprivileged women in the developing world by making grants to partnering MFIs. We host ongoing seminars featuring guest experts in the microfinance field, as well as information sessions and donor events to promote awareness, volunteerism and capital markets support for microfinance. Our members have visited Haiti, Ghana, Togo and Benin largely at their own expense and will continue to travel to these countries and others, to meet with local affiliates of microfinance institutions and government officials, to provide training and determine how we can best continue to contribute to their success. Designing training modules for Grameen in Treasury Management and Investor Readiness and engaging in training Grameen staff and microfinance affiliates in understanding and implementing these concepts. Working with Womens World Banking on a module in Managing Currency Risk which will also be directed at their MFI network. Assisting our nonprofit partner Count Me In by evaluating business plans and loan applications from women entrepreneurs. Supporting social and economic empowerment of underprivileged women in the developing world by making grants to partnering MFIs. We host ongoing seminars featuring guest experts in the microfinance field, as well as information sessions and donor events to promote awareness, volunteerism and capital markets support for microfinance. Our members have visited Haiti, Ghana, Togo and Benin largely at their own expense and will continue to travel to these countries and others, to meet with local affiliates of microfinance institutions and government officials, to provide training and determine how we can best continue to contribute to their success.</ExplanationTxt>
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        <FormAndLineReferenceDesc>PART VI, SECTION A. - question 8B</FormAndLineReferenceDesc>
        <ExplanationTxt>NO COMMITTEES MET DURING THIS TIME. PART VI, SECTION B. - QUESTION 11B PRIOR TO FILING, THE FORM 990 WAS REVIEWED BY THE BOARD OF DIRECTORS, EXECUTIVE DIRECTOR, MANAGING DIRECTOR OF OPERATIONS, CHAIRPERSON AND PRESIDENT. PRESIDENT. PRESIDENT.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>PART VI, SECTION B. - QUESTION 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CONFLICT OF INTEREST POLICY STATEMENTS ARE REVIEWED BY THE BOARD EACH YEAR FOR ANY POTENTIAL CONFLICTS.</ExplanationTxt>
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        <FormAndLineReferenceDesc>PART VI, SECTION B. - QUESTION 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>The compensation of HWW'S Executive Director and top management official are determined by the President.</ExplanationTxt>
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        <FormAndLineReferenceDesc>PART VI, SECTION C. - QUESTION 19</FormAndLineReferenceDesc>
        <ExplanationTxt>HWW makes it governing documents, conflict of interest policy, and financial statements available to the public upon request.</ExplanationTxt>
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