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        <City>FLEMINGTON</City>
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        <BusinessNameLine2>OF GREATER MERCER COUNTY INC</BusinessNameLine2>
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      <Name>LINDA MEISEL</Name>
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      <ActivityOrMissionDescription>JEWISH FAMILY CHILDREN'S SERVICE OF GREATER MERCER COUNTY IS A NONPROFIT COMMUNITY SERVICE AGENCY THAT STRENGTHENS INDIVIDUALS AND FAMILIES BY EMPOWERING PEOPLE TO CARE FOR THEMSELVES AND OTHERS. THIS IS ACCOMPLISHED THROUGH A WIDE RANGE OF HIGH QUALITY SOCIAL SERVICES AND PROGRAMS INCLUDING THERAPY, INFORMATION AND REFERRAL, SUPPORT, EDUCATION AND ADVOCACY. BY COMBINING CONTEMPORARY CLINICAL SKILLS WITH VALUES OF CHARITY, RIGHTEOUSNESS AND COMPASSION, JFCS SEEKS TO ASSIST FAMILIES WITH MANY OF LIFE'S TOUGHEST CHALLENGES.</ActivityOrMissionDescription>
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      <MissionDescription>JEWISH FAMILY CHILDREN'S SERVICE OF GREATER MERCER COUNTY IS A NONPROFIT COMMUNITY SERVICE AGENCY THAT STRENGTHENS INDIVIDUALS AND FAMILIES BY EMPOWERING PEOPLE TO CARE FOR THEMSELVES AND OTHERS. THIS IS ACCOMPLISHED THROUGH A WIDE RANGE OF HIGH QUALITY SOCIAL SERVICES AND PROGRAMS INCLUDING THERAPY, INFORMATION AND REFERRAL, SUPPORT, EDUCATION AND ADVOCACY. BY COMBINING CONTEMPORARY CLINICAL SKILLS WITH VALUES OF CHARITY, RIGHTEOUSNESS AND COMPASSION, JFCS SEEKS TO ASSIST FAMILIES WITH MANY OF LIFE'S TOUGHEST CHALLENGES.</MissionDescription>
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      <Description>COMMUNITY SERVICE - MARRIAGE &amp; FAMILY COUNSELING - COUNSELING IS AVAILABLE FOR PERSONAL PROBLEMS INCLUDING DEPRESSION, ANXIETY AND OTHER MENTAL HEALTH ISSUES AND RELATIONSHIP PROBLEMS INCLUDING MARITAL AND PARENT-CHILD CONFLICTS, OR MAJOR ENVIRONMENTAL OR PERSONAL TRANSITIONS. JFCS COUNSELORS PROVIDED 2,178 COUNSELING SESSIONS, FIFTY ONE PERCENT OF COUNSELING CLIENTS ARE ON A SLIDING FEE SCALE. COUNSELING AND CASE MANAGEMENT SERVICED OVER 1,092 INDIVIDUALS, AND ANSWERED IN EXCESS OF 621 CALLS FOR INFORMATION AND/OR REFERRAL.</Description>
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        <Description>SENIOR SERVICES - COUNSELING FOR THE ELDERLY IN THE COMMUNITY (INCLUDES GOLDEN AGE, UNITED AGING &amp; DISABILITY PARTNERSHIP, PROJECT HIGHGATE, CAROLANN'S CARS AND CLUB EUROPA) JFCS PROVIDES SERVICES FOR OLDER ADULTS AND THEIR FAMILIES INCLUDING SINGLE SESSION FAMILY CONSULTATIONS, COUNSELING, CARE MANAGEMENT, HOME VISITS, INFORMATION AND REFERRALS, AND EDUCATIONAL GROUPS. SENIOR SERVICES MADE A DIFFERENCE WITH MORE THAN 941 SENIORS.</Description>
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        <Description>FAMILY LIFE EDUCATION - PROVIDES COUNSELING AND SUPPORT GROUPS FOR FAMILIES, COUPLES, AND INDIVIDUALS. (INCLUDES INTERFAITH, PARENTING GROUPS, SPECIAL NEEDS, SIBS, GESHER LE KESHER, ABRAMS HEBREW ACADEMY, PROJECT SARAH) JFCS HAS A WIDE RANGE OF PROGRAMS AND SERVICES, ALONG WITH A NETWORK OF SKILLED PROFESSIONALS WHO EMPOWER PEOPLE WITH TOOLS, RESOURCES AND OPPORTUNITIES TO MAKE THEMSELVES STRONGER, WISER AND BETTER INDIVIDUALS REGARDLESS OF THE CHALLENGES THEY MAY FACE. JFCS PROVIDES FAMILY LIFE EDUCATION GROUPS, INTERFAITH/OUTREACH PROGRAMS, SIBLING SUPPORT GROUPS AS WELL AS HAND IN HAND WHICH SERVES FAMILIES WITH SPECIAL NEEDS MEMBERS. JFCS ALSO HOLDS PROFESSIONAL AND COMMUNITY WORKSHOPS.</Description>
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        <Description>OTHER PROGRAMS (MIMI CAMP SCHOLARSHIP, GAIL LOOMER CARE,CENTERPIECES FOR TZEDAKAH, HEBREW FREE LOAN, PROJECT CHAI, WOLIN AND KUSHNER SCHOLARSHIPS ETC.)EXPENSES: $10,782 INCLUDING GRANTS OF: $7,800 REVENUE: $89,986FINANCIAL ASSISTANCE - (KOSHER FOOD PANTRY, HEBREW FREE LOAN SOCIETY)FUNDS ARE USED FOR TEMPORARY EMERGENCY ASSISTANCE FOR FAMILIES. EXAMPLES: RENTAL/UTILITY ASSISTANCE, FOOD VOUCHERS, ETC.EXPENSES: $177,276 INCLUDING GRANTS OF: $168,691 REVENUE: $1,059PROYECTO SALUD MENTAL - OUTPATIENT MENTAL HEALTH COUNSEL IN LATINO COMMUNITY.EXPENESES: $91,487 INCLUDING GRANTS OF: $0 REVENUE: $0KOSHER CAFE - FUNDED BY MERCER COUNTY TO PROVIDE KOSHER MEALS AND SOCIAL INTERACTION TO JEWISH ELDERLY VIA GROUP DISCUSSION, PROJECTS, AND ACTIVITIES. 4,704 MEALS WERE SERVED AT THE KOSHER CAFES. JFCS SERVED AN ADDITIONAL 336 MEALS AT THE KOSHER CAFE EAST AND 240 AT THE KOSHER CAFE WEST.EXPENSES: $44,734 INCLUDING GRANTS OF: $0 REVENUE: $4,495JEWISH COMMUNITY YOUTH FOUNDATION - THE PURPOSE OF THE PROGRAM IS TO DEVELOP IN TEENAGERS A PHILANTHROPIC SPIRIT ROOTED IN JEWISH VALUES.EXPENSES: $178,061 INCLUDING GRANTS OF:$0 REVENUE: $21,311SECURE AT HOME - MEMBERSHIP-BASED SENIOR SERVICES PROGRAM TO HELP SENIORS STAY IN THIER HOMES.EXPENSES: $144,271 INCLUDING GRANTS OF: $0 REVENUE: $69,949UNITED WAY INITIATIVEEXPENSES:$11,938 INCLUDING GRANTS OF: $0 REVENUE: $0POSITIVE PARENTING - PADRES POSITIVOS BUILDS ON AND ENHANCES JEWISH FAMILY AND CHILDREN'S SERVICES SUCCESSFUL TRIO PROGRAM BY IMPLEMENTING EVIDENCE-BASED PARENTING WORKSHOPS USING THE COMMON SENSE PARENTING CURRICULUM, PARENT CONSULTATIONS, CLASSROOM INTERVENTIONS, BEHAVIORAL INTERVENTIONS, COUNSELING, ADVOCACY, COMPREHENSIVE SUPPORT SERVICES, AND REFERRALS. POSITIVE PARENTING SERVED 328 INDIVIDUALS.EXPENSES:$76,802 INCLUDING GRANTS OF: $0 REVENUE: $0MERCER CARE TRANSITIONS - A JOINT PROJECT OF ROBERT WOOD JOHNSON UNIVERSITY HOSPITAL HAMILTON AND JEWISH FAMILY CHILDREN'S SERVICE OF GREATER MERCER COUNTY. THE PROGRAM IS FUNDED WITH A TWO YEAR GRANT FROM THE ROBERT WOOD JOHNSON FOUNDATION. THE GOALS OF THE PROGRAM INCLUDE DECREASING HOSPITAL READMISSIONS IN CERTAIN DIAGNOSIS CATEGORIES, IMPROVING THE DISCHARGE PROCESS, SUPPORTING PATIENTS TO MEET THEIR PERSONAL HEALTH GOALS AND ASSUME MORE RESPONSIBILITY FOR THEIR HEALTH CARE, AND PROVIDING THE PATIENTS AND THEIR CAREGIVERS ACCESS TO THE WRAPAROUND SERVICES NECESSARY TO ACCOMPLISH THIS. THE PROGRAM UTILIZES THE COLEMAN CARE TRANSITIONS INTERVENTION APPROACH. THE TARGET IS THAT AT LEAST 350 PATIENTS WILL PARTICIPATE IN THE 30 DAY INTERVENTION WHICH INCLUDES A HOSPITAL VISIT, HOME VISIT AND THREE FOLLOW UP TELEPHONE CALLS. THE MERCER CARE TRANSITIONS COACH IS AN EMPLOYEE OF THE HOSPITAL, AND JEWISH FAMILY AND CHILDREN'S SERVICE PROVIDES THE COACH WITH FIELD SUPERVISION, AND THE EXPERIENCE AND EXPERTISE IN CONNECTING THE PATIENTS TO COMMUNITY SERVICES AND RESOURCES.EXPENSES:$42,733 INCLUDING GRANTS OF: $0 REVENUE: $0</Description>
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        <NamePerson>NAOMI NEUMANN</NamePerson>
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        <NamePerson>ADAM PERLE</NamePerson>
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        <NamePerson>HARVEY SAMACHSON</NamePerson>
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        <NamePerson>JERI SCHAEFER</NamePerson>
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        <NamePerson>BETSY SILVERMAN</NamePerson>
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        <ProgramServices>16878</ProgramServices>
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      <InformationTechnology>
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      <Occupancy>
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        <ManagementAndGeneral>1715</ManagementAndGeneral>
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        <ManagementAndGeneral>234</ManagementAndGeneral>
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        <ManagementAndGeneral>781</ManagementAndGeneral>
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        <ManagementAndGeneral>15206</ManagementAndGeneral>
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        <ManagementAndGeneral>29057</ManagementAndGeneral>
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        <Description>SPECIAL PROGRAM ACTIVIT</Description>
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        <ProgramServices>178420</ProgramServices>
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      <OtherExpenses>
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      <OtherExpenses>
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      </CurrentYearMinus2Years>
      <CurrentYearMinus3Years>
        <BeginningOfYearBalance>14760</BeginningOfYearBalance>
        <InvestmentEarningsOrLosses>1103</InvestmentEarningsOrLosses>
        <OtherExpenditures>593</OtherExpenditures>
        <AdministrativeExpenses>155</AdministrativeExpenses>
        <EndOfYearBalance>15115</EndOfYearBalance>
      </CurrentYearMinus3Years>
      <PermanentEndowmentEOYBalance>1.00000</PermanentEndowmentEOYBalance>
      <EndowmentsHeldByUnrelatedOrgs>1</EndowmentsHeldByUnrelatedOrgs>
      <EndowmentsHeldByRelatedOrgs>0</EndowmentsHeldByRelatedOrgs>
      <Buildings>
        <OtherCostOrOtherBasis>301777</OtherCostOrOtherBasis>
        <Depreciation>139957</Depreciation>
        <BookValue>161820</BookValue>
      </Buildings>
      <Equipment>
        <OtherCostOrOtherBasis>96602</OtherCostOrOtherBasis>
        <Depreciation>87374</Depreciation>
        <BookValue>9228</BookValue>
      </Equipment>
      <OtherLandBuildings>
        <OtherCostOrOtherBasis>43120</OtherCostOrOtherBasis>
        <Depreciation>30763</Depreciation>
        <BookValue>12357</BookValue>
      </OtherLandBuildings>
      <TotalOfBookValueLandBuildings>183405</TotalOfBookValueLandBuildings>
      <OtherAssets>
        <Description>BENEFICIAL INTEREST IN ASSETS HELD</Description>
        <BookValue>1442738</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>SCHOLARSHIP ENDOWMENT - PERMANENTLY</Description>
        <BookValue>17739</BookValue>
      </OtherAssets>
      <TotalBookValueOtherAssets>1460477</TotalBookValueOtherAssets>
      <OtherLiabilities>
        <Description>ADVANCES FROM JEWISH COMMUNITY FOUN</Description>
        <Amount>15100</Amount>
      </OtherLiabilities>
      <TotalOfAmounts>15100</TotalOfAmounts>
      <TotRevenueEtcAuditedFinclStmt>1970044</TotRevenueEtcAuditedFinclStmt>
      <NetUnrealizedGainsInvestments>119387</NetUnrealizedGainsInvestments>
      <OtherRevenues>96107</OtherRevenues>
      <RevenueNotRptdF990>215494</RevenueNotRptdF990>
      <RevenueSubtotal>1754550</RevenueSubtotal>
      <RevenueNotRptdOnFinStmt>0</RevenueNotRptdOnFinStmt>
      <TotalRevenuePerForm990>1754550</TotalRevenuePerForm990>
      <TotExpensesEtcAuditedFinclStmt>1831646</TotExpensesEtcAuditedFinclStmt>
      <OtherExpensesIncluded>96107</OtherExpensesIncluded>
      <ExpensesNotRptdF990>96107</ExpensesNotRptdF990>
      <ExpensesSubtotal>1735539</ExpensesSubtotal>
      <InvestmentExpensesNotIncluded2>3874</InvestmentExpensesNotIncluded2>
      <ExpensesNotRptdOnFinStmt>3874</ExpensesNotRptdOnFinStmt>
      <TotalExpensesPerForm990>1739413</TotalExpensesPerForm990>
      <Form990ScheduleDPartXIII>
        <Identifier>DESCRIPTION OF INTENDED USE OF ENDOWMENT FUNDS:</Identifier>
        <ReturnReference>PART V, LINE 4:</ReturnReference>
        <Explanation>SCHOLARSHIPS</Explanation>
      </Form990ScheduleDPartXIII>
      <Form990ScheduleDPartXIII>
        <Identifier>PART XI, LINE 2D - OTHER ADJUSTMENTS:</Identifier>
        <Explanation>FUNDRAISING DIRECT EXPENSES</Explanation>
      </Form990ScheduleDPartXIII>
      <Form990ScheduleDPartXIII>
        <Identifier>PART XII, LINE 2D - OTHER ADJUSTMENTS:</Identifier>
        <Explanation>FUNDRAISING DIRECT EXPENSES</Explanation>
      </Form990ScheduleDPartXIII>
    </IRS990ScheduleD>
    <IRS990ScheduleG documentId="RetDoc1041300001">
      <EventsInformation>
        <NameOfEvent1>SPRING EVENT</NameOfEvent1>
        <GrossReceiptsEvent1>224631</GrossReceiptsEvent1>
        <CharitableContributionsEvent1>120426</CharitableContributionsEvent1>
        <GrossRevenueEvent1>104205</GrossRevenueEvent1>
        <NonCashPrizesEvent1>3469</NonCashPrizesEvent1>
        <RentFacilityCostsEvent1>21344</RentFacilityCostsEvent1>
        <OtherDirectExpensesEvent1>58767</OtherDirectExpensesEvent1>
        <NameOfEvent2>FALL EVENT</NameOfEvent2>
        <GrossReceiptsEvent2>0</GrossReceiptsEvent2>
        <CharitableContributionsEvent2>0</CharitableContributionsEvent2>
        <NonCashPrizesEvent2>0</NonCashPrizesEvent2>
        <RentFacilityCostsEvent2>0</RentFacilityCostsEvent2>
        <OtherDirectExpensesEvent2>12527</OtherDirectExpensesEvent2>
        <TotalNumberOfOtherEvents>1</TotalNumberOfOtherEvents>
        <GrossReceiptsOtherEvents>404</GrossReceiptsOtherEvents>
        <CharitableContribOtherEvents>0</CharitableContribOtherEvents>
        <GrossRevenueOtherEvents>404</GrossRevenueOtherEvents>
        <GrossReceiptsTotal>225035</GrossReceiptsTotal>
        <CharitableContributionsTotal>120426</CharitableContributionsTotal>
        <GrossRevenueTotalEvents>104609</GrossRevenueTotalEvents>
        <NonCashPrizesTotalEvents>3469</NonCashPrizesTotalEvents>
        <RentFacilityCostsTotalEvents>21344</RentFacilityCostsTotalEvents>
        <OtherDirectExpensesTotalEvents>71294</OtherDirectExpensesTotalEvents>
        <DirectExpenseSummaryEvents>96107</DirectExpenseSummaryEvents>
        <NetIncomeSummary>8502</NetIncomeSummary>
      </EventsInformation>
    </IRS990ScheduleG>
    <IRS990ScheduleI documentId="RetDoc1041900001">
      <RecordsMaintained>1</RecordsMaintained>
      <Form990ScheduleIPartIII>
        <TypeOfGrant>HOUSING-RENT OR MORTGAGE ASSISTANCE PAID DIRECTLY TO THE LANDLORD OR MORTGAGE COMPANY.</TypeOfGrant>
        <NumberOfRecipients>20</NumberOfRecipients>
        <AmountOfCashGrant>0</AmountOfCashGrant>
        <AmountOfNonCashAssistance>10231</AmountOfNonCashAssistance>
        <MethodOfValuation>FAIR MARKET VALUE</MethodOfValuation>
        <DescriptionOfNonCashAssistance>RENT OR MORTGAGE ASSISTANCE PAID DIRECTLY TO THE LANDLORD OR MORTGAGE COMPANY.</DescriptionOfNonCashAssistance>
      </Form990ScheduleIPartIII>
      <Form990ScheduleIPartIII>
        <TypeOfGrant>TRAINING/EDUCATION</TypeOfGrant>
        <NumberOfRecipients>2</NumberOfRecipients>
        <AmountOfCashGrant>0</AmountOfCashGrant>
        <AmountOfNonCashAssistance>203</AmountOfNonCashAssistance>
        <MethodOfValuation>FAIR MARKET VALUE</MethodOfValuation>
        <DescriptionOfNonCashAssistance>TRAINING/EDUCATION</DescriptionOfNonCashAssistance>
      </Form990ScheduleIPartIII>
      <Form990ScheduleIPartIII>
        <TypeOfGrant>MEDICAL - MEDICATION, DOCTORS VISITS, ETC.</TypeOfGrant>
        <NumberOfRecipients>8</NumberOfRecipients>
        <AmountOfCashGrant>0</AmountOfCashGrant>
        <AmountOfNonCashAssistance>4262</AmountOfNonCashAssistance>
        <MethodOfValuation>FAIR MARKET VALUE</MethodOfValuation>
        <DescriptionOfNonCashAssistance>MEDICATION, DOCTORS VISITS</DescriptionOfNonCashAssistance>
      </Form990ScheduleIPartIII>
      <Form990ScheduleIPartIII>
        <TypeOfGrant>TRANSPORTATION - GAS PURCHASES, CAR PAYMENT ASSISTANCE, CAR REPAIR ASSISTANCE.</TypeOfGrant>
        <NumberOfRecipients>27</NumberOfRecipients>
        <AmountOfCashGrant>0</AmountOfCashGrant>
        <AmountOfNonCashAssistance>4422</AmountOfNonCashAssistance>
        <MethodOfValuation>FAIR MARKET VALUE</MethodOfValuation>
        <DescriptionOfNonCashAssistance>GAS PURCHASES, CAR PAYMENTS, CAR REPAIRS</DescriptionOfNonCashAssistance>
      </Form990ScheduleIPartIII>
      <Form990ScheduleIPartIII>
        <TypeOfGrant>UTILITIES - GAS &amp; ELECTRIC ASSISTANCE AND PHONE CARDS.</TypeOfGrant>
        <NumberOfRecipients>21</NumberOfRecipients>
        <AmountOfCashGrant>0</AmountOfCashGrant>
        <AmountOfNonCashAssistance>5872</AmountOfNonCashAssistance>
        <MethodOfValuation>FAIR MARKET VALUE</MethodOfValuation>
        <DescriptionOfNonCashAssistance>GAS &amp; ELECTRIC BILL ASSISTANCE</DescriptionOfNonCashAssistance>
      </Form990ScheduleIPartIII>
      <Form990ScheduleIPartIII>
        <TypeOfGrant>FOOD</TypeOfGrant>
        <NumberOfRecipients>450</NumberOfRecipients>
        <AmountOfCashGrant>9356</AmountOfCashGrant>
        <AmountOfNonCashAssistance>90776</AmountOfNonCashAssistance>
        <MethodOfValuation>FAIR MARKET VALUE</MethodOfValuation>
        <DescriptionOfNonCashAssistance>MEALS ON WHEELS, GROCERY GIFT CARDS, FOOD FROM FOOD PANTRY</DescriptionOfNonCashAssistance>
      </Form990ScheduleIPartIII>
      <Form990ScheduleIPartIII>
        <TypeOfGrant>HOME HEALTH CARE</TypeOfGrant>
        <NumberOfRecipients>3</NumberOfRecipients>
        <AmountOfCashGrant>0</AmountOfCashGrant>
        <AmountOfNonCashAssistance>26772</AmountOfNonCashAssistance>
        <MethodOfValuation>FAIR MARKET VALUE</MethodOfValuation>
        <DescriptionOfNonCashAssistance>HOME HEALTH CARE</DescriptionOfNonCashAssistance>
      </Form990ScheduleIPartIII>
      <Form990ScheduleIPartIII>
        <TypeOfGrant>CAMP SCHOLARSHIPS</TypeOfGrant>
        <NumberOfRecipients>3</NumberOfRecipients>
        <AmountOfCashGrant>0</AmountOfCashGrant>
        <AmountOfNonCashAssistance>1800</AmountOfNonCashAssistance>
        <MethodOfValuation>FAIR MARKET VALUE</MethodOfValuation>
        <DescriptionOfNonCashAssistance>CAMP SCHOLARSHIPS</DescriptionOfNonCashAssistance>
      </Form990ScheduleIPartIII>
      <Form990ScheduleIPartIII>
        <TypeOfGrant>COLLEGE SCHOLARSHIPS</TypeOfGrant>
        <NumberOfRecipients>2</NumberOfRecipients>
        <AmountOfCashGrant>0</AmountOfCashGrant>
        <AmountOfNonCashAssistance>6000</AmountOfNonCashAssistance>
        <MethodOfValuation>FAIR MARKET VALUE</MethodOfValuation>
        <DescriptionOfNonCashAssistance>COLLEGE SCHOLARSHIPS</DescriptionOfNonCashAssistance>
      </Form990ScheduleIPartIII>
      <Form990ScheduleIPartIII>
        <TypeOfGrant>OTHER - INCLUDES CLEANING ASSISTANCE, INSURANCE ASSISTANCE ETC.</TypeOfGrant>
        <NumberOfRecipients>9</NumberOfRecipients>
        <AmountOfCashGrant>0</AmountOfCashGrant>
        <AmountOfNonCashAssistance>16797</AmountOfNonCashAssistance>
        <MethodOfValuation>FAIR MARKET VALUE</MethodOfValuation>
        <DescriptionOfNonCashAssistance>CLEANING AND INSURANCE ASSISTANCE</DescriptionOfNonCashAssistance>
      </Form990ScheduleIPartIII>
      <Form990ScheduleIPartIV>
        <Identifier>PROCEDURE FOR MONITORING GRANTS IN THE U.S.:</Identifier>
        <ReturnReference>PART I, LINE 2:</ReturnReference>
        <Explanation>SCHEDULE I, PART I, LINE 2: THE ORGANIZATION'S MAIN METHOD OF MONITORING THE USE OF THESE FUNDS IS DISTRIBUTING NON CASH ASSISTANCE. VERY FEW FUNDS ARE DISTRIBUTED USING CASH. WHEN CASH IS USED, MOSTLY FOR HOLIDAY ASSISTANCE, THE CLIENT MUST HAVE QUALIFIED FOR FOOD PANTRY ASSISTANCE. THE CLIENT'S CASE MANAGER REVIEWS THEIR CLIENT'S NEEDS AND THEN THE EXECUTIVE DIRECTOR REVIEWS AND APPROVES THE FINAL LIST OF HOLIDAY ASSISTANCE CHECKS. THE CLIENT MUST SHOW A FINANCIAL NEED, THEY MUST COMPLETE A BUDGET EVALUATION FORM DOCUMENTING THEIR INCOME AND EXPENSES.</Explanation>
      </Form990ScheduleIPartIV>
    </IRS990ScheduleI>
    <IRS990ScheduleL documentId="RetDoc1042800001">
      <Form990ScheduleLPartIV>
        <NameOfInterestedPerson>
          <NameBusiness>
            <BusinessNameLine1>ROBERT FAMILANT</BusinessNameLine1>
          </NameBusiness>
        </NameOfInterestedPerson>
        <Relationship>BROTHER OF JFCS EXECUTIVE DIRECTOR</Relationship>
        <DescriptionOfTransaction>ROBERT WORKS FOR PROGRESSIVE CREDIT UNION. JFCS PURCHASED CD'S WITH PROGRESSIVE CREDIT UNION. PROGRESSIVE HAD THE BEST RATES AVAILABLE.</DescriptionOfTransaction>
        <SharingOfRevenues>0</SharingOfRevenues>
      </Form990ScheduleLPartIV>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="RetDoc1044400001">
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 11</ReturnReference>
        <Explanation>THE FORM 990 IS REVIEWED WITH THE BOARD OF DIRECTORS AT A BOARD MEETING. ANY QUESTIONS OR CHANGES ARE ADDRESSED AT THAT TIME. THE 990 IS DISTRIBUTED TO THE BOARD OF DIRECTORS PRIOR TO THE BOARD MEETING.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 12C</ReturnReference>
        <Explanation>CONFLICT OF INTEREST IS ADDRESSED ON PAGES 8 AND 9, ARTICLE XIII, SECTION 1 OF THE ORGANIZATION'S BYLAWS. THE BY-LAWS ARE REVIEWED AT EVERY NEW BOARD MEMBER ORIENTATION. IT IS EXPECTED THAT ALL BOARD MEMBERS WILL DISCLOSE ANY CONFLICT THAT MAY ARISE THROUGHOUT THEIR TERM OF OFFICE. ALL BOARD MEMBERS SIGN A CONFLICT OF INTEREST STATEMENT.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 15A</ReturnReference>
        <Explanation>THE ORGANIZATION USES THE ANNUAL AJFCA STAFF COMPENSATION SURVEY AND THE JFS OF NEW JERSEY STAFF COMPENSATION SURVEY TO DETERMINE COMPENSATION.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION C, LINE 19</ReturnReference>
        <Explanation>THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART XII, LINE 2C</ReturnReference>
        <Explanation>THE PROCESS FOR OVERSEEING THE AUDIT OF THE FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT HAS NOT CHANGED SINCE LAST YEAR.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>