Board of Trustees, Retirement Fund, 1976-1990

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RETIREMENT FUND SAMPLE FORM WITH INSTRUCTIONS ATTACHED

Application for | File in Duplicate
rom SOT Determination for Defined Contribution Plan ye. peta:

i i cng ee as, aoe
(Rev. June 1976) For Profit-sharing, Stock Bonus and Money Purchase Plans Fe ws va
Department of the Treasury (Under sections 401(a), 405(a), 414(i) and 501(a) of the Internal Revenue Code) SSUC GALE Pr... eee eeeeeneneeeeee eee eeeeee

internal Revenue Service

This Form is Open to Public Inspection = ito fotder

& Church and Governmental! Pians.—All items need not be completed. See instruction ‘'B. § number >
What to File.”’

> Please complete every applicable item on this form. If an item does not apply, enter N/A.

—_-

mployer’s identification number

a) Name, address and ZIP code of employer

NAME OF ASSOCIATION

eee ewe we cee ee eee et te OOOO Oe Be Ow ee OH eH ERE RE REE HERR HOHE OSE SBE RHE HK SEH ROME EMH EMER ORR HHH RE BESS OH OEE KE HH SOMO ee:

—__—ASSOCTATION EMPLOYER ID

3 Business code number

ASSOCIATION NUMBER | Telephone number ( +)

———_ -—- +. -—-—- —— _——

ate incorporated or business commenced

ation
date

mployer’s taxable year ends
Assn. Fiscal Year End

___(¢) Administrator's identification number & 13,1624231 Telephone number (212 <2 753-4 700
6 Determination requested for:
(a) (i) [7] Initial qualification—date plan adupted Be _ 9/ 1/25 thoi Sada ee (ii) fx} Amendment—date adopted > | 4 / 43/72":

(iii) if (ii) is checked, enter file folder number >
(b) Were employees who are interested parties given the required notification of the filing of this application? . iva Yes [] No

(c) If this application involves a merger or consolidation with another plan, enter the employer identification number(s) and the

esata plan number(s) of such other plan(s) , 7% N/A me one
7 Type of entity: (a) [_] Corporation (b) [_] Subchapter S corporation (c) [] Sole proprietor (d) [] Partnership |
(e) fx] Tax exempt organization (f) [ ] Church (g) [_] Governmental organization
(h) [-] Other (specify) >
8 (a) Name of Plan THE YOUNG WOMEN'S. (b) Plan number ®..Q0] ...... (c) Plan year ends PAug....31
CHRISTIAN ASSOCIATION RETIREMENT FUND, (d) Is this a Keogh (H.R. 10) plan? . . . . [] Yes No
INCORPORATED _ (e) If “Yes,” is an owner-employee in the plan?. [] Yes [] No
9 (a) If this is an adoption of a master or prototype plan (other than Keogh) or a district approved | (b) Letter serial! number or
pattern plan, enter name of such plan notification letter number
eee N/A | N/A
10 Type of plan: (a) [ ] Profit-sharing (b) [| Stock bonus : (c) [3] Money purchase  (d) [-] Target benefit
11 Effective date of plan 12 Effective date of amendment 13 Date plan was communicated to employees »..10/26/7.4.
Sept, 1.1925 Beot. Ay 29/0 .. How communicated? ® First Class Mail
14 (a) Indicate the general eligibility requirements for participation under the plan and indicate the Section and GOVERNMENT
section and page number of plan or trust where each provision is contained: page number”® § USE ONLY
(i) fx] All employees OG of service (number of years) Be... 9 -7 z
(ii) [—] Hourly rate employee only (vi) Minimum age (specify) >...N./A.....-...
(iii) [| Salaried employee only (vii) Maximum age (specify) > N/A.
Cie (2) Othee Jeb clams fepgcily)< Pe... 2... 0-2... nnasevens (viii) Minimum pay (specify) > N/A anapaniae
(b) Are the eligibility requirements the same for future employees? . . . . kk] Yes [] No
a le i aha so seh herd dcp eka a ew, Soothe
(c) Does the plan recognize service only with this employer?. . . . . . . Yes f] No} 3310
If “No,” explain » RECOGNIZE SERVICE WITH PARTICIPATING ASSOCIA+ |
Pay Me emer, Ct i areas ean in fe ik ee sagen ace canoe eign be clic ss x. LON:
Number

Enter here the number of self-employed individuals » N/A

(a) Total employed (if a Keogh plan, include all self-employed individuals) .

(b) Exclusions under plan (do not count an employee more than once):
(i) Minimum age or years of service required (specify) >»

(ii) Employees included in collective bargaining .

(iii) Nonresident aliens who receive no earned income from United States sources .

(c) Total exclusions, sum of (b)(i) through (iii)
(d) Employees not excluded under the statute, (a) less (c) .

— —— ee en

"Of plan or trust or other document constituting the plan.

Under ponalties of perjury, | declare that 1 have examined this application, including accompanying statements, and to the best of my knowledge mr belicf it is true, correct
and complete. |
Kanature) RE eee EE. os AERA NE Bee Ed as TELS SERB a emer aes gS
Com), TATION EXECUTIVE DIRECTOR, OR >. :
PRESIDENT OF ASSOCIATION BOARD OF DIRECTORS 575~-229-1

* Figures in Item 15 are on the basis of combined coverage under the YWCA
Retirement Fund and The Savings and Security Plan of the YWCA.
See Letter of Transmittal

(See reverse side)

Se Soe

Form 5301 (Rev. 6-76)

a (Section references are to the Internal Revenue Code) Number GOVERNMENT
( 15)coverage (continued): USE ONLY

(e) Ineligible under plan on account of (do not count an employee included in (b)): Uddiflidéddd f

(i) Minimum pay

|
:
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ree NN 9 ee et 8 Sa 9 gk ee 0
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Page 2

(iv) Other (specify) > wats pages

Se ee Lae eRe HEELS SS CORRES SERS DEES ERR OS 50 95 ENA Se ONE SS oH ERD aD eso Cekew ee hn bene Okdnene’ Wexeakieeeekwee

(f) Employees ineligible, sum of (e)(i) through (iv). . . . . . ww wee
| (g) Employees eligible to participate, line (d) less line (f) .
; (h) Number of employees participating in plan oe ae oe a ee
(i) Percent of nonexcluded employees who are participating, (h) divided by (d) .

of %
Complete (j) only if (i) is less than 70% and complete (k) only if (j) is 70% or more. Yi.

(j) Percent of nonexcluded employees who are eligible to participate, (g) divided by (d) . . . . N/A %

(k) Percent of eligible employees who are participating, (h) divided by (g) . . . . = Mie Fo.
If (i) and (j) are less than 70% or (k) is less than 80%, see instructions.
os (1) Total number of participants, include certain retired and terminated employees, see instructions .

* This information not available at member Association level.
See Letter of Transmittal.

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a. Ns

SAVINGS AND SECURITY PLAN SAMPLE FORM WITH INSTRUCTIONS ATTACHED

Application for | File in Duplicate
rom DOO Determination for Defined Contribution Plan ba recs ¢:
(Rev. June 1976) For Profit-sharing, Stock Bonus and Money Purchase Plans CASE MUMBO Pr ....nnn--srenneesvorasorecnnes

1S ES OES ee
Department of the Treasury (Under sections 401({a), 405(a), 414(i) and 501(a) of the Internal Revenue Code)

Internal Revenue Service

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This Forin is Open to Public Inspection = rate gota

> Church and Governmental Plans.—All items need not be completed. See instruction ‘“‘B. § number >
What to File.’’ nie Sit A eis ano

> Please complete every applicable item on this form. If an item does not apply, enter N/A.

Maa Name, address and ZIP code of employer

mployer’s identification number

NAME OF ASSOCIATION rts a gt gg eee __ASSOCTATION EMPLOYER ID
~~ ADDRESS OF ASSOCTATION E> e eid Pe A et 3 Business code number
~ ASSOCIATION NUMBER [ Telephone number > ( See tk 2 | Sees
(b) Name, address and ZIP code of plan administrator, if other than employer Date incorporated or business commenced
BOARD OF TRUSTEES pp SAVINGS AND SECURITY FLAN FOR. NON ear ASSN. INCORPORATION DATE
RSSOCIATION, NOOO LEXINGTON. AVENUE,-NEW VORKe Neve 100 22...... Employer's taxable year ends

Bees Fiouel CAR. END
Telephone number  ( 212 ) 753-4700

__(€) Administrator's identification number ® 13-1624177
6 Determination requested for:
(a) (i) [CJ Initial qualification—date plan adopted » Sept. 1, 1940 (ii) [3 Amendment—date adopted > 6/15/77

—

-———

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(b) Were employees who are interested parties given the required notification of the filing of this application? . eS) Yes [] No

(c) If this application involves a merger or consolidation with another plan, enter the employer identification number(s) and the

____ plan number(s) of such other plan(s) >» , N/A nee gee 5 a Pater oes
7 Type of entity: (a) [ ] Corporation (b) [] Subchapter S corporation (c) [_] Sole proprietor (d) [ ] Partnership
(e) Tax exempt organization (f) [-] Church (g) [_] Governmental organization

(h) [| Other (specify) b

eee a SO -_—— —— -— —

8 (a) Name of Plan ; ; (b) Plan number »...002...... et Phen sear lente >. Aug....31
aan ae so pga ac (d) Is this a Keogh (H.R. 10) plan? . . . . [J Yes ai No-

_ (e) If “Yes,” ts an owner-employee in the plan? . [] Yes No
9 (a) If this is an adoption of a master or prototype plan (other than Keogh) or a district approved | (b) Letter serial number or
pattern plan, enter name of such plan / notification letter number
f sie — OS eae | 7 Es
10 Type of plan: (a) ["] Profit-sharing  (b) [_] Stock bonus (c) [3] Money purchase (d) [ ] Target benefit
11 Effective date of plan 12 Effective date of amendment 13 Date plan was communicated to employees >, Oct...26,1976
Sept. 1, 1940 pent, J. 1976 How communicated? ® First Class Mail
14 (a) Indicate the general eligibility requirements for participation under the plan and indicate the Section and GOVERNMENT
section and page number of plan or trust where each provision is contained: page number *® § USE ONLY
(i) [—] All employees () tenet of service (number of years) Be.................... 2 =7
(ji) [ ] Hourly rate employee only (vi) Minimum age (specify) Gay i ae
(iii) [-] Salaried employee only cler ical,main+“? Maximum age (specify) b>... TK oe

(iv) [Xj Other job class (specify) Bh nee-and-- (viii) Minimum pay (specify) B..20.2e.
(b) Are the eligibility requirements thE S9S8mSRE WAGE employees? . . . EJ Yes [] No

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(c) Does the plan recognize service only with this employer? . - [] Yes No

_If “No,” explain » RECOGNIZE SERVICE WITH PARTICIPATING ASSOCIA+ 3310

Number

_

(a) Total employed (if a Keogh plan, include all self-employed individuals) .

(b) Exclusions under plan (do not count an employee more than once):
(i) Minimum age or years of service required (specify) >»
(ii) Employees included in collective bargaining . ae"
(iii) Nonresident aliens who receive no earned income from United States sources .
(c) Total exclusions, sum of (b)(i) through (iii) ae
(d) Employees not excluded under the statute, (a) less (c) .

* Of plan or trust or other document constituting the plan.

ry ee
PPI IF)

— ‘gama of perjury, | declare that | have examined this application, including accompanying statements, and to the best of my knowledge and belief it is true, correct
and complete.

COD aoaTION EXECUTIVE DIRECTORS Om etek or ree = nn

PRESIDENT OF ASSOCIATION BOARD OF DIRECTORS

§75~-229-1

Figures in Item 15 are on the basis of combined coverage under the YWCA
Retirement Fund and The Savings and Security Plan of the YWCA.
see Letter of Transmittal

(See reverse side)

Form 5301 (Rev. 6-76)
(Section references are to the Internal Revenue Code)

Number
Overage (continued):

(e) Ineligible under plan on account of (do not count an employee included in (b)): jy
(i) Minimum pay
(ii) Hourly-paid .
Se ae So Sie = ie Res oS ale ee ee ee
I i es ee ee Sats SR ay enn
(f) Employees ineligible, sum of (c)(i) through (iv) . ;
(g) Employees eligible to participate, line (d) less line (f) .
(h) Number of employees participating in plan ee te ee eee 3
(i) Percent of nonexcluded employees who are participating, (h) divided by (d) . Seer

Complete (j) only if (i) is less than 70% and complete (k) only if (j) is 70% or more. YY
%

(j) Percent of nonexcluded employees who are eligible to participate, (g) divided Py). . > bee
(k) Percent of eligible employees who are participating, (h) divided by (g) . . . . ik

* . .

* This information not available at member Association level.
See Letter of Transmittal.

GOVERNMENT
USE ONLY

INSTRUCTIONS FOR COMPLETING FORM 5301 FOR YWCA RETIREMENT FUND
AND THE SAVINGS AND SECURITY PLAN

(Associations participating in both the Fund and the Plan must complete

one Form 5301 for each plan. Note, however, the information to be provided
by the Association is identical for each plan. )

Items l(a), 2, 4 and 5.

Fiis :in as indicateds—(Similar facts were requested on your Association's
most recent Form 5500C filed directly with the Internal Revenue Service.)

noe

Item 14 (a) fhe! ‘Length of Service (number of: years).

Enter "1 Year'', unless your Association requires participation earlier,
in which case enter the number of months. If your Association requires
participation upon employment, enter "None".

Item 15

NOTE: In completing the data required in 15, use the figures on which
your Association's most recent 5500C was filed. For purposes of all

computations under this item, exclude all trainees under CETA, Job Corps
and similar government funded projects.

Base your computations on total employees in all job classifications, i.e. com-
bined data for the Fund and the Plan. Thus the figures in Item 15 will be
identical on the Fund Form 5301 and the Plan Form 5301.

"Coverage of plan at (give date)''

Enter date of ending of fiscal year on which your most recent
Form 5500C was based.

(a)"Total employed (if a Keogh plan, include all self-employed individuals)"

Enter the total number of employees in all job classifications.
(The Fund and Plan are not Keogh Plans).

(b)"Exclusions under plan (do not count an employee more than once) :"
(i)"Minimum age or years of service required (specify) "'

Enter "1 Year'' unless your Association requires participation
earlier, in which case enter the number of months. If your
Association requires participation upon employment, enter
"None", The requirement entered must be the same for the
Fund and the Plan.

Enter in Number Column the number of employees who had not
yet met the eligibility requirements «i... we 2.
Bw, - (Saks Nag
(ii)"Employees included in collective bargaining."

Enter "None" in Number Column unless ydiir Scuociétion has
union employees excluded from the Bund or Plan as a result

of good faith bargaining, in which’ case enter the number
excluded. pets

NOTE:

(c)"Total exclusions"-

Enter the sum of (i) thru (iii) in (b) above.
(d)"Employees not excluded under the statute -

Enter the number of employees not excluded, (a) less (c).
(g)"Employees eligible to participate."-

Enter the same number as entered on line (d).
(h)"Number of employees participating in the plan"-

Enter the number of employees participating in the Retirement
Fund and The Savings and Security Plan.

(i)"Percent of nonexcluded employees who are participating"-

Enter percentage determined by dividing (h) by (d).

Do not complete items (j), (k) or (1). If the percentage
in (1) is less than 70%, additional information may be
required. If so, we will contact you.

DO NOT SEND THESE FORMS DIRECTLY TO THE INTERNAL REVENUE SERVICE.

WHEN THE FORMS HAVE BEEN COMPLETED AND PROPERLY SIGNED, THEY
SHOULD BE RETURNED DIRECTLY TO:

DOROTHY M. ANDRUS
EXECUTIVE DIRECTOR
YWCA RETIREMENT FUND

600 LEXINGTON AVENUE
NEW YORK, N.Y. 10022

om OOU

Department of the Treasury
Internal Revenue Service

Summary Statement for Two or More

Employee Pension BeneTit Plans
Under section 6058(a) of the Internal Revenue Code

> File only with Internal Revenue Service

Iso

This Form is |
NOT Open to
Public inspection

@) Taxable year ® Calendar year 1975 or fiscal year beginning

, 1975 and ending

, a9

> File this form only if you are an employer who has more than one employee pension benefit plan, other than Keogh (H.R. 10) plans.
& Attach all Forms 5500 and 5500-C that report on your employee pension benefit plans.
p> Please complete every applicable item on this form. If an item does not apply, enter ‘‘NA.”

1 (a) Name of employer

0 Name of Association Q Association Employer ID

Address (number and street)

- a a a ee

re Address of Association

(b) Employer identification number

City or town, State and ZIP code

SOS * ESS SSE cate De Oe RAE EE ENCE EL eg Ee SN RT knee I

2 (a) Name of the employer as it appeared on the prior return if not the same as in l(a) above

| (b) Employer identification number

3 Type of employer:
x (c) [_] Sole proprietorship

(f) [] Trust or estate (taxable) (g)

(a) [_] Corporation (other than Subchapter $S)
(d) [| Partnership

Funding exempt organization

4 Summary of plans and deduction claimed on your income tax return:
(a) Number of Forms 5500 attached and amount of deduction claimed
© (b) Number of Forms 5500-C attached and amount of deduction claimed

(c) Number of Keogh (H.R. 10) plans, in (a) and (b) above, and amount of deduction claimed with

respect to such plans

(b) [-] Subchapter S Corporation
{e) 4 Tax exempt organization

Deduction
claimed

Number
of plans

0

5 (a) Total number of employees as of the end of your taxable year . oer es ee P
(b) Total number of your employees who are participating in one or more of your pension henetit plans

6 (a) Have you closed a plant or division that employed plan participants?

O

(b) If ‘“‘Yes,"’ give the three-digit serial number(s) of the respective plan(s) involved . . Ope ee ee |
(c) Give the three-digit serial number of each plan which you have treated as partially terminated .

7 Summary of plan reports attached to this return:

(a) Plan number

General Instructions

(Section references are to the internal Revenue Code.)

A. Who Must File.—Every employer who
has two or more plans of ceferred com-
pensation, for which Forms 5500 or 5500—
C are filed, must file Form 5501.

B. Employers Not Required to File.—An
employer who contributes only to a multi-
employer plan, a plan of affiliated corpo-
rations or a plan for employees of trades
or businesses that are under common
control.

C. What to File-—Form 5500 or 5500—C
must be filed with Form 5501 for each plan
of the employer. Form 5500 or 5500-C is
required for each plan for the plan year that
ends with or within the taxable year of the
employer.

D. When to File.—File on or before the
last day of the 7th month following the
close of the employer’s taxable year.

Note: The due date for filing this form
and all 1975 employee pension benefit
plan forms with IRS will be the 15th day
of the tenth month following the close of
the employer's taxable year.

You may request an extension of time
for filing Form 5501 by writing to your
Service Center explaining your need. Gen-
erally, the Service will grant an extension
up to 45 days if the taxpayer files a timely
request which establishes the taxpayer is
unable to file by the due date because of
circumstances beyond taxpayer’s control.

E. Where to File.—File Form 5501 with
the Internal Revenue Service Center

as set forth in the instructions for Forms
5500 and 5500-C.

F. Signature and Verification.—Form
5501 must be signed by the employer;
also, by any person, firm or corporation
that prepared it for compensation. If pre-
pared by a firm or corporation, it should be

(ii) Current taxable year

A fa ___|__wJ4_ aoa MRR TS,

(b) Deduction claimed for contributions made for plan year ending in—
(i) Prior taxable year

es SR noe

(iii) Next taxable year

signed in the name of the firm or corpora-
tion. The signature of a preparer who is a
regular full-time employee of the employer,
is not required.

Specific Instructions

1(b). Enter the employer identification

er (EIN) issued to the employer.

lf the name or EIN of the employer
ico during the current year, enter the
name and EIN of the employer as they ap-
peared on the prior return (Form 4848).

7. In column (a), enter the three-digit
number assigned to the plan.

In columns (b)(i), (ii) and (iii) show the
amount of deduction claimed for the cur-
rent year and indicate what portion of the
deduction is attributable to the various
plan years.

If additional space is needed, attach ad-
ditional sheets using the same size paper
as this form.

Under penalties of perjury, | declare that | have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief it .: sue,
correct, and complete. if prepared by a person other than the employer, his declaration is based on all information of which he has any knowledge.

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Signature of individual or firm preparing the return

ee SR ae En a ee ee te ee eee A ake ee ee 2 eee eee

lite edied tat

SPO OADODS LS PODS lOO CDMEOREEOGHOWHEAOOOO P18 B+ Bn Hae

OF ORES PEAS = OES SPR G ADS APR DAEDCDO DECOM SD Bae > Oa ewes Os e.5 o

Preparers astt-ess
a ee een a i a

Form 5501 (1975)

rom HARQ-G Annual Return/Report of Employee Benefit Plan ORES

p32 f the T . ‘ °° . -
Departmant of the Treasury (With fewer than 100 participants, none of whom is an owner-emp!cyee) | This Form Is

Internal Revenue Service
Department of Labor This form is required to be filed under section 104 of the Employee Retirement Open to Public
Lsscr Management Services Administration] Income Security Act of 1974 and section 6058(a) of the Internal Revenue Code. Inspection

i

Governmentuse only IA] BL] Ede FL GT
Xa) For the caiendar plan year 1975 or fiscal plan year beginning September ] 1975, and ending August 3] 19 76

B Pension benefit plans file one copy of this form with the Department of Labor (DOL) and one copy with the Internal Revenue
Service (IRS). File one form for each plan. Legible reproduction copies are acceptable.

Welfare benefit plans which are non-insured and funded (see instructions) file one copy of this form with DOL only. Welfare benefit
plans do not complete items 8, 9 or 12.

B Please complete every applicable item on this form, if an item does not apply, enter ‘‘NA”’.

es

oO 1 (a) Name of Sponsor (employer if for a single employer plan) (b) Employer identification number O
Name of Association _ — ____i|{|__-— Association Employer ID
Address (number and street) a (c) Employer taxable year ends
Address of Association _ _ ee O
City or town, State and ZIP code Telephone number (d) Business code
_ _ | ( Assn. number |X 9319 a
X 2 (a) Name of plan administrator (if other than sponsor) Board of Trustees, (5) Administrator’s employer identifica-

The Savings and Security Plan for Non-Secretarial Em- tion number
1 P . ia eet aed 5 aria
ddress (number and street) Xx 13-6533240

____600 Lexington Avenue __ _ : _

City or town, State and ZIP code Telephone number

New York, New York 10022 (212 ) 753-4700

Xx 3 Check appropriate box to indicate the type of plan entity (check only one box): ; (c) [ | Muitiemployer pian
(a) [ j Single-employer plan (d) [ | Multiple-empioyer-collectively-bargained plan
(b) [| Plan of controlled group of corporations or common contro] employers (2) K Multipie-employer plan (other)

— -————- — —-

X 4 (a) Name of plan 1” Plan number
__The Savings and Security Plan IAC ee
X 5 Type of plan: 6 Type of funding:
(a) © j Defined benefit (c) [_] Welfare benefit (2) [] Trust (c) [_] Combination
(b) §} Defined contribution (d) [7] Other V(b) [Fully insured (d) [] Other

N 7 (a) Participants employed or carried as active: Fully vested Boo... _.., Not fully vested B.....0 0 .. , Total >» |
A (b) Total participants... ee ee et

Ol4) & Information about employees of the employer at end of the plan year (multiemployer plans do not complete):
ta} Votal purities Gf GYipmyees . kc kl hUcrhlUcrhlUh hhh hUmhhlUh hlUhrhlUhhlUrhlUmhhlUhhlU lull lull hum CU
(b) Number of employees excluded from plan coverage: (i) Minimum age or years of service .

(ii) Employees on whose behalf retirement benefits were the subject of collective bargaining . . .

(iii) Nonresident aliens who receive no earned income from United States sources . . . . . . 2. «© fo
(iv) Other (see iStruecGONS) « « we 6 we lll ee Ow we Ow lull em me
(v) Total employees excluded, sum of (i) through (iv) . . . . 2. 2. we eee le ee
(c) Total number of employees not excluded from the plan, (a) less (b)(v) . . . 2. 2. we eee
___(d) Total number of employees covered underthe plan. . . . . . . se + + ee ee ee |
N/p 9 If this is a master or prototype plan, enter the IRS serialnumber. . . . . . . . . 2. 2. eee = ss |
lr not a master or prototype plan, enter ‘‘NA’”’ on above line. _ Yes No
X 10 (a) Was this plen terminated or was there a decrease of 20% or more in active participants during the year?’ . . 2. . ow. wt X |
___(b) If “Yes,"" were all trust assets distributed to participants or beneficiaries or transferred to another plan? . _ se |
1 Did any transaction, involving plan assets, involve a person known to be a party-in-interest? .. » &* & € 8 |
If ““Yes,"’ attach a list of such transactions in the same format as is shown in the instructions. —__ WH WY
12 (a) Is this a defined benefit plan subject to the minimum funding standards? . . . ... .. .~.

N/ If ‘‘Yes,’’ attach Schedule B (Form 5500). ) ty Uy Yyy

(5) 15 this a d2fined contribution plan, i.e. money purchase or target benefit, subject to the minimum funding standards? .

lf ‘‘Yes,’”’ complete (i), (ii) and (iii) below.

(i) Amount of employer contribution required for the plan year . . . . .
(ii) Amount of contribution paid by the employer for the plan year . . . . . . hh...
Enter date of last payment by employer. . . . . Month.............. ]) i —— Yi

(iti) Funding deficiency, excess, if any, of (i) over (ii)

Under penalties of perjury and other penalties set forth in the instructions, | declare that | have examined this report, including accompanying schedules and statements, and to
the best of my knowledge and belief it is true, correct, and complete.

O Date Be Signature of employer/sponsor Be

ee
wrw rw wwe em em ew em wm em ewe mew eH ee em we em me ee ew tee ew eB ewe He ee ee em em wwe em wee wee meter awe eee eer ee we ee eee we meee

O Date >» es a _ Signature of plan administrator pe

eel eee i ee ee ee ee ee ee ee

Form 5500-C (1975)

Do Not Complete this Page for IRS. This Page Must be Completed for DOL.

Page yd

¥3 Assets and liabilities (list all assets and liabilities at current value except on line (h), show book value):

Note:
combined basis. Include unallocated insurance contracts.

Include all plan assets and liabilities of a trust or separately maintained fund. If more than one trust/fund, report on a

—_ — —- ——— —--- —_—_— —

ae ee

Beginning of. year

End of year

—-

——- - —— --

Assets a. Pa uty: in-interest b. Total c. Party -in-interest d. Total
Hf; iy Gi thy UY Uy
(a) Cash . | le Ltd Lil YY yyy. eentiinee nen _
(b) Receivables—net . ; _ . ao - - —
(c) Investments—(ij) Government securities _ a _ _ = _ a — -

(iii) Corporate (debt and equity securities)
(iv) Real estate and mortgages . . .|

(ii) Pooled funds/mutual funds ... :

(vy) Other 2 2. we ew ee

(d) Buildings and other depreciable property—net Yep gy Gaifile }_
(e) Unallocated insurance contracts LUE _

(f) Other assets
(zg) Total assets, sum of (a) through (f)
(h) Book value of all assets

Liabilities and Net Assets
(i) Payables.

ZZ Cyn
a
Lg YY, Uy

Vj VY) Yj
Wy

(j) Acquisition indebtedness . . . . . —— -_

(k) Other liabilities

(1) Total liabilities, sum of (i) en (k)
(m) Net assets, (g) minus (1)

Income, expenses and changes in net assets: (a) Cash contributions by-—

fi) Employer(s) (including contributions on behalf of self-employed individuals) .

(ii) Employees
(iii) Others. . . .

h

(c) Earnings from investments .
(d) Net realized gain (loss) on sale or exchange of assets

Be eh a saeieieteneeeneine

Total income, sum of (a) through (e) .
Distribution of benefits and payments to provide benefits—
(i) Directly to participants or their beneficiaries .

(f)
(zg)

(ii) To insurance carrier or similar organization for provision of benefits (including

prepaid medical plans) .
(iii) To other organizations or individuals providing welfare benefits .

(h) Interest expense

(i) Administrative expenses . a «

BB ee
(k) Total expenses, sum of (g) through (j)

(1) Net income, (f) minus (k)

(m) Changes in net assets—(i) Unrealized appreciation (depreciation) of assets
(ii) Other chanwes. (pCi) Wein ccccccccs ceensccecucoenseerycrervevess Jevseieteeninaeteeiatinadinaenamntieiaain

es

(n) Net increase (decrease) in net assets for the year (I) plus (m) .
(0) Net assets at beginning of year (line 13(m), column b) . .
(p) Net assets at end of year, (n) plus (0) (equals line 13(m), column d)

—

——— - =

ee ee ee

{b) Noncash contributions faintly nature and by whom made) ................-.....2-2--6--

© © OOF © OS OO 0 6 6 6 O86 0 00 8 Om OS FOOSE OS 6 OOO S HOS O SSO SS OO FOOSE ESE ESESSSESSEDOOSHS SSH SSCHAOSSHESS SS OSCSCHOS VSO H SACHS O SHB A LCSCCHVESOFO

eee te eee eet ete

—$$__—__ -_ ——

b. Total
YYW

CU @C@#HC

Wy

YZ Yj YY PUyyyjpywv
Y ——

Y,

WWW Wi
SKYGZ
YYW);

Yi
MM.
WML

Yt

15 Did any person who ‘rendered services to the p!an receive, directly or indirectly, compensation from the plan

Mmithenenwveet . «6 se eh lhlhUhhlUmrh Ow OUhlUhlUhrhlUhrhlUhrhlUhhhlUhrhUhhlUhhlUm hl
if “Yes,” see instructions for information _Tequired.

- [| Yes [] No

ee ee ae ES ——

— _-—-—

16 At the end of the plan year, indicate if there were in default any io loans by the plan or fixed income obligations due to the plan

OR { ] leases to which the plan was a party.

-17 Amount of delinquent employer | contributions not. yet. received by the end ofthe year . . . .

> |

——_ —-—- —-

_——— —————————

18 (a) Surety company name >

——————————————

(b) Ar Any loss discovered during plan year? {]

$$ _—___—_—- —-_ —~

19 Has there been any change since the last report in the appointment of any trustee, accountant, insurance carrier,

enrolled actuary, administrator, investment manager or custodian? . .

: If “‘Yes,”’ explain D>
2& Was this plan amended in the plan year?

=a

- [] Yes

——-—-~

If additional space is required for any item, attach additional sheets the same size as this form.

ee eee —

os

600 Lexington Avenue
New York, N. Y. 10022
212 — 753-4700

April 28, 1981
TOs Executive Director I gfele

FROM: Eleanor E. Lutfy
Controller

RE: Form 5500-C-1980 ---------—-— to be filed by Associations with fiscal year
beginning on or after January 1, 1980.

Form 5500-C must be filed with the Internal Revenue Service on or before the
last day of the seventh month following the close of the Association's (not the
Plan's) fiscal year.

PLEASE IGNORE PARAGRAPH A UNDER GENERAL INSTRUCTIONS ON YOUR FORM 5500-—C
- 1980 RELATING TO THE FILING OF FORM 5500-C ACCORDING TO THE LAST DIGIT
SCHEDULE OF YOUR ASSOCIATION EMPLOYER IDENTIFICATION NUMBER.

ALL ASSOCIATIONS PARTICIPATING IN THE Y.W.C.A. RETIREMENT FUND AND/OR
THE SAVINGS AND SECURITY PLAN WILL CONFORM TO A UNIFORM CYCLE OF FILING

AND, WILL FILE FORM 5500-C-1980 FOR THE FISCAL YEAR BEGINNING ON OR
AFTER JANUARY 1, 1980.

If your Association was participating in the Retirement Fund and The Savings and
Security Plan for the above named period, a separate Form 5500-C must be filed
for each Plan.

The red figure in the upper right hand corner of this memorandum indicates that
your Association must file Form 5500-C for the Retirement Fund only (1), or the
Retirement Fund and The Savings and Security Plan (2).

A sample Form 5500-C for each Plan is enclosed. To guide you in completing the
form we have coded the questions as follows:

X - This office has provided you with the answers.
O - Your office must provide the answers.
N/A - These questions are not required to be answered. Enter "N/A".

SPECIAL NOTES:

A - See page 1 - date line - the dates of the Plan fiscal year are

required. The Association's filing date, however is based on the

closing date of the Association's fiscal year. Please type above
the heading: |

PLAN SPONSOR FISCAL YEAR BEGINNING ENDING .
and insert the dates of the Association's fiscal year.

B - See page 3, item 26 (c) *. It is important that the explanatory state-
ment which appears at the bottom of page 5 is typed on your Form 5500-C.

C- Your completed form (s) must be mailed directly to the Internal Revenue
Service. DO NOT mail a copy to this office.

EEL: mg
Encls.

Form 5500-C

Department of the Treasury
Internal Revenue Service

Department of Labor
Pension and Welfare Benefit Programs

1980

Amended [_]

This Form is Open
to Public Inspection

Return/Report of Employee Benefit Plan

(With fewer than 100 participants)

This form is required to be filed under sections 104 and 4065 of the
Employee Retirement income Security Act of 1974 and sections 6057(b)
Pension Benefit Guaranty Corporation and 6058(a) of the Internal Revenue Code, referred to as the Code.

For the calendar plan year 1980 or fiscal plan year beginning , 1980 and ending , 19
Type or print in ink all entries on the form, schedules, and attachments. If an item does not apply enter “‘N/A”’. File the originals.

p> File this form for 1980 if the last digit of the plan sponsor’s employer identification number is 1, 2, or 3. This form should also be

filed for the initial plan year and for the final plan year (see instructions)..

Do not file this form for Keogh (H.R. 10) plans with fewer than 100 participants and with at least one owner-employee participant.
File Form 5500—K instead.

Church plans (not electing coverage under section 410(d) of the Code) and governmental plans do not file this form. File Form
5500-G instead.

> Pension benefit plans, unless otherwise excepted, complete all items. Annuity and custodial account arrangements of certain ex-
empt organizations, and individual retirement account trusts of employers complete only items 1 through 6, 9, and 10.

p Certain welfare benefit plans are not required to file this form—see instructions.
Welfare benefit plans required to file this form do not complete items 7(b), 12, 14 and 24 through 28.
p> Plan number—Your 3 digit plan number must be entered in item 5(c); see instruction 5(c) for explanation of ‘‘plan number.”

Use 1 (a) Name at ei sponsor com ployey, 0 fos a aes Ep yey plan) 1 (b) Employer identification number
IRS NYWIY COLLW& Wore &”. Cc ‘ST/ AA ZBktiloaos7
label. LBAUZ, SocrAtso 4) ~ JY: IBVYOO/
Other- | Address (number and street) _ 1 (c) Telephone number of sponsor
i ‘ re » fm >
ne ae Co/ ELA SAVE MU EL. ) 438 “660%
print City or town, State and ZIP code 1 (d) If plan year changed since last
or type. ALBAN /A22 96 v |p return/report check here > []
2 (a) Name of plan administrator (if other than plan sponsor) POARD OF TRUSTEES 1 (e) Business code number
OUNGE WWOMELS CHR STIAD ASSAsRrrioe Keting men? FunD TI
Address (number and street) 2 (b) Administrator's employer identification no.
ls00 Jexngtou Ayewue. 13: 2 SOZBVYYO
City or town, State and ZIP code 2 (c) Telephone number of administrator
VewVorkK . New YoRK 1002 2- MIM I53) 4760

3 Name, address and identification number of plan sponsor and/or plan administrator as they appeared on the last return/report filed for this plan if not the

same as in 1 or 2 above: (a) Sponsor B® sss a
(b) Administrator > —_

4 Check appropriate box to indicate the type of plan entity (check only one box): (a) Single-employer plan

(b) [_] Plan of controlled group of corporations or common control employers (c) Multiemployer plan
(d) [ ] Multiple-employer-collectively-bargained plan (e) D4 Multiple-employer plan (other)

—

ee 5 (c) Enter three digit | 2

(ii) [_] Check if name of plan changed since the last return/report. plan number p> oO
6 Check at least one item in (a) or (b) and applicable items in (c): (a) Welfare benefit plan: (i) Health insurance
(ii) [_] Life insurance (iii) [| Supplemental unemployment (iv) Other (specify) }>-~.......-.--.-..-.--
(b) Pension benefit plan: (i) Defined benefit plan—(Indicate type of defined benefit plan below):
(A) [_] Fixed benefit (B) [_] Unit benefit (C) [ ] Flat benefit (D) [] Other (specify) >....................

ee ee ee ee ee ee ee ee ee ee ee ee ee ee ee ee ee ee ee ee ee

(ii) Defined contribution plan—(Indicate type of defined contribution plan below):
(A) [ | Profit-sharing (B) [ ] Stock bonus (C) [ ] Target benefit (D) }X{ Other money purchase

(E) [] Other (specify) Bm
(iii) [| Defined benefit plan with benefits based partly on balance of separate account of participant (section 414(k) of the Code)

(iv) [ ] Annuity arrangement of a certain exempt organization (section 403(b)(1) of the Code)
(v) [-] Custodial account for regulated investment company stock (section 403(b)(7) of the Code)
(vi) [ ] Trust treated as an individual retirement account (section 408(c) of the Code)

(vii) [-] Other (specify) >

(c) Other plan features: (i) [_] Thrift-savings (ii) [_] Keogh (H.R. 10) plan
(iii) [-] Pension plans maintained outside the United States (see instructions) (iv) Participant-directed account plan
(d) Single employer plans enter the taxable year end of the employer in which this plan year ends }» Month Day Year

Under penalties of perjury and other penalties set forth in the instructions, | declare that | have examined this report, including accompanying

_Schedules and statements, and logy best of my knowledge and belief it is true, correct, and complete. | a i
2P-LA Ly SPOUSOCR MSCAL Ye AK C6LUMIME- dfs /§0 f- vs Kho had! 3 FO

Date co ee Signature of employer/plan sponsor >>»

ee ee eee ee ee)

eee

yA BF seicneeenirneteecteeeteeteeienenanence Signature of plan administrator >

Form 5500-C (1980) Page 2
Yes | No

7 (a) Total participants (i) Beginning of plan year P...................2...22...... (ii) End of plan year p..............................
4 (b) (i) During this plan year or the prior plan year, was any pension benefit plan participant(s) separated from
y service with a deferred vested benefit for which a Schedule SSA (Form 5500) is required to be attached?. . {| |_

(ii) If “Yes,” enter the number of separated participants required tobe reported. . . . »
YY Y

8 Plan amendment information (welfare plans do NOT complete (b)(ii)):

(a) Were any plan amendments to this plan adopted since the end of the plan year covered by the last return/report
Form 5500, 5500-C or 5500—K which was filed for this plan? . Ook eet a

(b) If ‘‘Yes,’”’ (i) And if any amendments have resulted in a change in the information contained in a summary plan
description or previously furnished summary description of modifications:

(A) Have summary descriptions of changes been sent to participants?. . . . . .« « « « « »«
yr (B) Have summary descriptions of the changes been filed with DOL?. . .... .

(ii) Does any such amendment result in the reduction of the accrued benefit of any participant under the plan? .

(c) Enter the date the most recent amendment was adopted. . . . . «. « > Month.......000000... WE pticccwninsseun

(d) (i) Has a summary plan description been filed with DOL forthis plan? . . . . . . .« « «© « «

(ii) If (i) is ‘“Yes,’”’ what was the employer identification number and the plan number used to identify it?
Employer identification number > Plan number >

9 Plan termination information:

(a) Was this plan terminated during this plan year or any prior plan year?. . . . . . 2. «© «
(b) If ‘Yes,’ were all trust assets distributed to participants or beneficiaries or transferred to another plan?. . . .
(c) If item 12(a) is to be checked ‘‘Yes,” and 9(a) is ‘‘Yes,’’ has a notice of intent to terminate been filed with PBGC?.
10 (a) Was this plan merged or consolidated into another plan or were assets or liabilities transferred to another plan
since the end of the plan year covered by the last return/report Form 5500, 5500—C or 5500—K which was filed
\ K pueeneeesnipennimemeank ite’, ©. skis: (Rae raaamins scacesace. Senate
VV If “Yes,” identify other plan(s): (c) Employer identification number(s) | (d) Plan number(s)
Sg, Be a EE I Pag eR SRM Ee Sls ARR REGRET Glin FWA aka 72 es ec

SE eS SS a eS EY ee OE SSS LK KK KKK KS

Gad SoG re Se IE? eta ce ce tee 8 ew ee ae Sea we NO ee ee [] Yes [] No

11 Indicate funding arrangement:
(a) [] Trust (b) [] Fully insured (c) [] Combination (d) [] Other (specify) B® ———eeseses—“‘“‘“‘ititststsSs~s~™S

(e) If (b) or (c) is checked enter number of Schedules A (Form 5500) which are attached . :
12 (a) (i) Is the plan covered under the Pension Benefit Guaranty Corporation termination insurance program? L] Yes [-[] No [] Not determined

(ii) If “Yes,” or “Not determined,” list employer identification number and/or plan number used in any filing with PBGC if the
number was different than the numbers listed in item 1(b) or 5(c) »

y | PcG er ekci Daemak-acolgn 40h heibhignataagiril-a-Atbenivieuhemsnmace-peite oa ae a tee cee Yes

(b) If (a)(i) is “Yes,” or “Not determined,” did any events requiring notice to PBGC occur during this plan year?. .
(c) If (b) is “Yes,” indicate which events occurred that require notice to the PBGC (see instructions) p>.------------------- 77
1
13 Complete both (a) and (b):
(a) Is the plan insured by a fidelity bond?. . . .... +. « «© «© © «

| SE ME Ta a ithe san Kintregercastin cients ica aecat, Bi cp eT A SD ROEE AIR REIS BEDE A TREN Eo Ga y Y
a sag cheap rnctwee a ns, REE PMA A ABER RS SIGE ONES IOE BLT SE TIAN E NEN ME TEM EOE SESE Vf Y
(b) Was any loss discovered since the last return/report Form 5500, 5500—C or 5500—K was filed for this plan?. . 7

14 (a) Is this a defined benefit plan subject to the minimum funding standards for this plan year? .
If “Yes,” attach Schedule B (Form 5500).

(b) Is this a defined contribution plan, i.e., money purchase or target benefit, subject to the minimum funding Y/

standards (if a waiver was granted see instructions)? .

\ If ‘‘Yes,’’ complete (i), (ii) and (iii) below:
\ \p (i) Amount of employer contribution required forthe planyear. . ..... =) BE Be a ho /

VJ (ii) Amount of contribution paid by the employer forthe plan year. . ... . $

Enter date of last payment by employer }» Month............ oT ao GVTVM]MMJ)@V@JVVZVCZJZ]-;

(iii) If (i) is greater than (ii) subtract (ii) from (i) and enter the funding deficiency
WV

here. Otherwise enter zero. (If you have a funding deficiency, file Form 5330.) . $

Form 5500-C (1980) Page 3

[ 15 Plan assets and liabilities at the beginning and the end of the current plan year (list all assets and liabilities at current
| value). A fully insured welfare plan or a pension plan with no trust and which is funded entirely by allocated insurance
| contracts which fully guarantee the amount of benefit payments should check the box and not complete thisitem. . . . » []

Note: Include all plan assets and liabilities of a trust or separately maintained fund. If more than one trust/fund, report on a
combined basis. Include all insurance values except for the value of that portion of an allocated insurance contract which
fully guarantees the amount of benefit payments. Round off amounts to nearest dollar. If you have no assets to report enter
“—O—’’ on line 15(g).

Assets a. Beginning of year b. End of year

(a) Cash— VV. J CVVVVVVVVULL

ff). Interest Deering « = © es © we wohl Ol lle Oe le ltl hl

(ii) Non-interest bearing. . . . .« «6 «© © «© © © © © «© «© «© «
(D>) Recewabies . 16 « ts He se Fh Hh Hh hw hur hUrhUhhUrhUhhUrhlUh lh
(c) Investments— U4 YY

(i) Government securities . . . . 2. «© © © «© © © © © © © © »«

(ii) Pooled funds/mutual funds. . . . . . «6 «© «© «© © © © «© «© «@

(iii) Corporate (debt and equity instruments). . . . . « «© «© « «© « -«

(iv) Real estate and mortgages. . . . . «6 «© «© © «© «© «© «© «© « «

Ors « wet eet ha hU Ur lhlUrhUhhUcr hUrhUhhUrhU RMhUhMhUrhUh CU
(d) Buildings and other depreciable property .
(e) Unallocated insurance contracts. . . . . « « «© «© « «© © © © « «
(f) Other assets . . . 2. 2. «© «© © © © © © © © © © we ell
(g) Total assets, sum of (a) through (f). . . . . . .

[nate andl Nal sieate 0 GMMMMAIMAUCpj($} WM@\WC"XCOCW"”"”

(h) Payables a . e . s s A 7 se e 8 s se e o me s es s 7 se s °
(i) Acquisition indebtedness . . . . «© «© «© «© © © © © © © © © «© +

\ (j) Other liabilities . . . ... .
(k) Total liabilities, sum of (h) through (jj). . . . 2. «© «© «© «© « «
\ (i) Net assets, (g) minus (k) . a

16 Plan income, expenses and changes in net assets during the plan year. Include all income and expense of a trust(s) or separately
maintained fund(s) including any payments made for allocated insurance contracts. Round amounts to nearest dollar.

(a) Contributions received or receivable in cash from— a. Arsen B. Total

@ inesptt Gretneg ocnrfontt . Rahat Of eatreigtega ntti ———— V////

tn) CRORE lich whlch hlUhrhlUmhhUrh Uhhh FhUch eo hKhUrMhUrhlUh! lh
(>) Noncash GOnNIDUTIONS.. «= « « «ee ee ee oe he lll le ll
_  (c) Earnings from investments (interest, dividends, rents, royalties) .
(d) Net realized gain (loss) on sale or exchange of assets .
\ (e) Other income (specify) DB. —“—si‘“‘“‘“‘<‘i‘iCiC
 (f) Total income, sum of (a) through (e)

(g) Distribution of benefits and payments to provide benefits— Wy,
(i) Directly to participants or their beneficiaries. . . «© «© «© «© «© © «© © Jo
(ii) To insurance carrier or similar organization for provision of benefits (including 7
prepaid medical plans) . . . . « « « «© e« -« Yb

(iii) To other organizations or individuals providing welfare benefits .
Ce) ntere@steqxpense. «§ «© & « 2» &@ ee © ee Ok hhUcthlUhhlUurhlUrhlUrhlUm! CU
(i) Administrative expenses (salaries, fees, commissions, insurance premiums) .
(j) Other expenses (specify) PB

(k) Total expenses, sum of (g) through (j). . . . 2. 2. 2 © «© ww ee ili biniiaoi Rhames

G) Wetincomé, () mms): «§ « « « «& © ee ee + oe eh *hUumhlUr!hlUrl

(m) Changes in net assets— YY Yy
(i) Unrealized appreciation (depreciation) of assets. . . . . «© «© © «© -« Uy
(ii) Other changes (specify) P»____.-___---- eee

(n) Net increase (decrease) in net assets for the year, (I) plus (m) .
(0) Net assets at beginning of year (line 15(1), column a). . . . . 1 ew ew ew

(p) Net assets at end of year, (n) plus (0) (equals line 15(1), column b). . .

17 As of the end of the plan year: — OMMGV]VYVJV|V}V@=@- |};

(a) What percentage of plan assets are loaned to a party-in-interest?. . . . . . . « «© «© « ¢ _ GS

\ (b) What percentage of plan assets are invested in securities issued by a party-in-interest?. . . . . . | ss %
(c) What percentage of plan assets are invested in real estate which is leased by a party-in-interest? .

A 21 During the plan year covered by this return:

Page 4

18 Since the end of the plan year covered by the last return/report Form 5500, 5500—C or 5500—K which was filed for

[
/ Form 5500-C (1980)

]

this plan:
| (a) Has there been a termination in the appointment of any trustee, accountant, insurance carrier, enrolled actuary,
administrator, investment manager or custodian? .

If ‘‘Yes,’’ explain and include the name, position, address and telephone number of the person whose appointment

has been terminated ®t eee eee een eee eee

ee ee EE

(b) Has the plan used the services of a contract administrator? .
If ““Yes,’’ enter the contract administrator’s name and employer identification number (see instructions) ®» . .

(i) Preceding year > $......00002200.0222ee eee eee eee. , Gi) Second preceding Year De $nca. sic. svss ccccccsciveccscsvannaaes
(d) Have any insurance policies or annuities been replaced? a ee ee ee ee ee ee ee ee ee oe ee ee
(e) Was the plan funded with: (i) Individual policies or annuities (ii) Group policies or annuities (iii) [_] Both

—— —__ - —-—--

| 19 Since the end of the plan year covered by the last return/report Form 5500, 5500-—C or 5500—K which was filed for
| this plan:
(a) Other than transactions described in the exceptions outlined in the instructions, were there any transactions,
directly or indirectly, between the plan and a party-in-interest? .
If ‘‘Yes,’’ see specific instructions.
(b) Has the plan granted an extension on any loan for which prior to the granting of an extension, it has not received
all the principal and interest payments due under the terms of the loan? .

(c) Has the plan granted an extension of time or renewal for the payment of any obligation owed to it which amounts
to more than 10% of the plan assets? .

20 As of the end of any plan year since the end of the plan year covered by the last return/report, Form 5500, 5500-C or

5500—K which was filed for this plan:

x (a) Did the plan have investments of the type reportable under item 15(c)(iv) or (v) which in the aggregate exceeded

15% of plan assets in either category? .

+ | (b) Did the plan have loans outstanding or investments in a single enterprise (other than the United States Govern-

ment) which exceeded 15% of plan assets? .

—-

\ (a) Did any plan fiduciary who is an officer or an employee of the plan sponsor receive compensation from the plan
| for his or her services to the plan? .
| (b) Did the plan acquire any qualifying employer security or qualifying employer real property, when immediately

! after such acquisition the aggregate fair market value of employer securities and employer real property held by
the plan exceeded 10% of the fair market value of the plan assets? .

(c) Has any plan fiduciary had either a financial interest worth more than $1,000 in any party providing services to
the plan or received anything of value from any party providing services to the plan? .

(d) Has any employer owed the plan contributions which were more than three months past due under the terms of
the plan?. .. .

(e) Were any loans by the plan or fixed income obligations due the plan in default as of the close of the plan year

or classified as uncollectable? : £- 8 * £ * © e B® & © © e ee
(f) Were any leases to which the plan was a party in default or classified as uncollectable? . _.

22 Who is the plan’s designated agent for legal process? > _

--- _~—— —-—-—---- a5 ———--— —---— -- —- -—_—__ — —- —__—____—

Yes

No

| 23 Give the name and address of each fiduciary (including trustees) to the plan }»

Form 5500-C (1980) Page 5

_ 24 Is this plan an adoption of a: : Yes |_No
\ x (a) [_] Master/prototype, (b) [_] Field prototype, (c) [_] Pattern, (d) [_] Model plan, or (e) [_] Bond — plan? .
p\ ___If “Yes,” enter the four or eight digit IRS serial number (see instructions). . .bB =F sss ss GY
25 (a) Is this plan integrated with social security?. . . . . ; oe @ ££ © & & &

(c) If (b) is ‘‘Yes,” have you received a determination letter from the IRS forthis plan?. . . . . .« « «© « «

(d) Does the employer/sponsor listed in item 1(a) of this form maintain other qualified pension benefit plans?. . .
if “Yes,” list the plan number(s) of the other plans >» wy wy,

26 Plans which check item 25(b) ‘‘No,’’ do not complete this item.

Employees and participating employees as of the end of the plan year (if a sponsor chooses to complete item (a) and
Vi. Z

\r (b) Is it intended that this plan qualify under section 401 or 405 of the Geter . » -. €@ © & © @ f 8 SB @ BW Cees

(b) as of a date within the plan year other than the end of the plan year, enter date p> 2 LF CEO cnasensikisicnnnanes ):

(a) Does the plan satisfy the percentage tests of section 410(b)(1)(A) of the Code (see instructions)? .

if ‘‘Yes,’’ complete the total column only for item (b) and complete all columns for item (c).
if ‘“‘No,’’ complete all columns for all the items.

(See instructions for exception.) ry icf omcers ag ry, PY B. Others C. Total

i otal number of employees. . . . . .. . iP
° 4) panos rel on eine YY UY fff Yi); Yl —Yy Yy Hf fy fy Hf ff

(A) Collective bargaining agreement .
(B) Other statutory exclusion .
(C) Ineligible (see instructions)
(D) Total: add (A), (B) and (C).
(iii) Participating employees subtract (ii)(D) _— (i)

(c) Total number of participants in this plan separated from az — yy yj
service without full vesting in: Vi W
(i) Thecurrentplanyear. . ... .

(ii) The preceding pian WOM. «© = w 8 a VT instructions 7 Yy

(iii) The second preceding plan year. . . Yj

VS
(iv) Total: add (i), (ii) and (iii)

~

VA TZ07™0l; UY

27 Vesting (check only one box to indicate the vesting provisions of the plan): (V)

(a) Full and immediate vesting or full vesting within 3 years . - -« «

(b) No vesting in years 1 through 9 and full vesting after the 10th year of service .

(c) For each year of employment, commencing with the 4th such year, vesting equal to 40% after 4 years of service,
5% additional for the next 2 years, and 10% additional for each of the next 5 years .

(d) 100% vesting within 5 years after contributions are made (class year plan only) .
(e) Other vesting .

28 (a) Did the employer receive plan assets (including a return of contributions) since the last return/report Form 5500,

5500—C or 5500—K which was filed for this plan? .

(b) If a defined benefit plan which provides for annual, automatic increases in the maximum dollar limitations under
section 415 of the Code, does the plan provide that any such increase is effective no earlier than the calendar
year for which IRS determines that increase under section 415(d) of the Code? .

(c) Is this a plan with Employee Stock Ownership Plan (ESOP) features? .
(i) If “Yes,” was a current appraisal of the value of the stock made immediately prior to any contribution of

stock or purchase of the stock by the trust for the plan year covered by this return/report? .

(ii) If (i) is “Yes,” was the appraisal made by an unrelated third party? . ‘ + ‘
(iii) \f (ii) is ‘‘No,’’ was the appraisal made in accordance with the provisions of Revenue Ruling 59-60?.

vy U.S. GOVERNMENT PRINTING OFFICE: 1981--757-688/1001 E.J. #61-9561589

/ rm 5500-C

Department of the Treasury
internal Revenue Service

O iss SPONSOR FISCAL YEAR GEGINNING ENDING

Return/Report of Employee Benefit Plan

(With fewer than 100 participants)

This form is required to be filed under sections 104 and 4065 of the i oy NERS ay | Sega”
Employee Retirement Income Security Act of 1974 and sections 6057(b) This Form is Open

and 6058(a) of the Internal Revenue Code, referred to as the Code. to Public Inspection
For the calendar plan year 1980 or fiscal plan year beginning O/} , 1980 and ending | 9/33 , 199 ] ;

Type or print in ink all entries on the form, schedules, and attachments. If an item does not apply enter “N/A”. File the originals.

1980

Amended [ ]

Department of Labor
Pension and Welfare Benefit Programs

Pension Benefit Guaranty Corporation

ee

——

> File this form for 1980 if the last digit of the plan sponsor’s employer identification number is 1, 2, or 3. This form should also be
filed for the initial plan year and for the final plan year (see instructions).

} Do not file this form for Keogh (H.R. 10) plans with fewer than 100 participants and with at least one owner-employee participant.
File Form 5500—-K instead.

> Church plans (not electing coverage under section 410(d) of the Code) and governmental plans do not file this form. File Form
5500-G instead.

p Pension benefit plans, unless otherwise excepted, complete all items. Annuity and custodial account arrangements of certain ex-
empt organizations, and individual retirement account trusts of employers complete only items 1 through 6, 9, and 10.

y Certain welfare benefit plans are not required to file this form—see instructions.
Welfare benefit plans required to file this form do not complete items 7(b), 12, 14 and 24 through 28. .
p Plan number—Your 3 digit plan number must be entered in item 5(c); see instruction 5(c) for explanation of ‘‘plan number.”

re Le

i i ecm i yg ch ecclesia el cae epee A ce LT A a Te Te
Use 1 (a) Name of plan sponsor (employer if for a single employer plan) - 5 (3) Employer identification number
se Name of Association ; Association [Employer ID
Other- | Address (number and street) 1 (c) Telephone number of sponsor
ne Address of Association ; < )
ease | ———————_————————— re
print City or town, State and ZIP code 1 (d) If plan year changed since last

or type. Ip return/report check here }® [ ]

2 (a) Name of plan administrator (if other than plan sponsor) Board of Trustees § 1 (e) Business code number

The Savings and Security Plan for Non-Secretarial | re 9349
BS hae (number and stréet)__ cee er ASSOC TAL On © | 2 (b) Administrator's employer identification no.
600 Lexington, Avenue iS 2903380 |
City or town, State and ZIP code 2 (c) Telephone number of administrator
New York, New York 10022 *212 ¢ 753) 4790

ss

4 3 Name, address and identification number of plan sponsor and/or plan administrator as they appeared on the last return/report filed for this plan if not the
same aS in 1 or 2 above: (a) Sponsor > a

OO OO OS SSO OSS SC OS SO SS OO 8 SOS OOO SS SOO SSS CO CS SF OO OO OS OE FSS OSS FOS OO OFS SS SOF OS SO SS SBS OSS SC OE FO BSS SF OSS BBD BDS OSS BOSD SBABDSAS VHS ASISSASSVOSCS

¥ (b) Administrator > dita

4 Check appropriate box to indicate the type of plan entity (check only one box): (a) [] Single-employer plan
X (b) [] Plan of controlled group of corporations or common control employers (c) [ ] Multiemployer plan
(d) [ | Multiple-employer-collectively-bargained plan (e) b4 Multiple-employer plan (other)
5 (a) (i) Name of plan > _The..Savings--and--Seeurit-y--Plan-------------------- 5 (b) Effective date of plan
RS PO OU Ge ns ae RO eee 9/1/49
¥ a eo elie OUTER 5 (c) Enter three digit Se
(ii) [-] Check if name of plan changed since the last return/report. plan number b> ie 2 3
6 Check at least one item in (a) or (b) and applicable items in (c): (a) Welfare benefit plan: (i) {[ ] Health insurance
(ii) FJ Life insurance (iii) [|] Supplemental unemployment (iv) [] Other (specify) }»...........--...----
4 (b) Pension benefit plan: (i) Defined benefit plan—(Indicate type of defined benefit plan below):
(A) [7] Fixed benefit (B) [] Unit benefit (C) [ ] Flat benefit (D) [} Other (specify) >>.............--.....

OO OO 6 OSS 6 OSS OSS S 6 SO OSS S © © © SF FH OS SOS OOO OOS SOS OO OF OS SSF OO OE FOOSE OF FEDS SF FOOSE SOS OBS SSF ODS SOS SF OSB BE DEB BDD SBD DDS OD BBS DBD DAD BOB DA ADA DAD ALS DOD DDD DD PD

(ii) Defined contribution plan—(Indicate type of defined contribution plan below): :
(A) [| Profit-sharing (B) [] Stock bonus (C) [_] Target benefit (D) x Other money purchase
Oe ke cauiaiik
(iii) [_] Defined benefit plan with benefits based partly on balance of separate account of participant (section 414(k) of the Code)
(iv) [-] Annuity arrangement of a certain exempt organization (section 403(b)(1) of the Code)
(v) [-] Custodial account for regulated investment company stock (section 403(b)(7) of the Code)
(vi) [_] Trust treated as an individual retirement account (section 408(c) of the Code)

(vii) [| Other (specify) »

(c) Other plan features: 2 a eee ea
(iii) [—] Pension plans maintained outside the United States (see instructions) (iv) [] Participant-directed account plan

(d) Single employer plans enter the taxable year end of the employer in which this plan year ends )» Month Day Year

Under penalties of perjury and other penalties set forth in the instructions, | declare that | have examined this report, including accompanying
schedules and statements, and to the best of my knowledge and belief it is true, correct, and complete.

O vate > aly < oe ree “Signature of employer/plan sponsor >

Fett tet eed Rete ae ee ee ee ae |

N/ pate FE ee te ae Signature of plan administrator >

ttt ee eae

Form 5500-C (1980) | , Page 2

Y 7 (a) Total participants (i) Beginning of plan year P-................2002. eee (igo eT Bg ei eee yee
N/ (b) (i) During this plan year or the prior plan year, was any pension benefit plan participant(s) separated from
=

service with a deferred vested benefit for which a Schedule SSA (Form 5500) is required to be attached? .
(ii) If “Yes,”’ enter the number of separated participants required tobereported. . . . >

——$ — — —— ——__ —

8 Plan amendment information (welfare plans do NOT complete (b)(ii)):
(a) Were any plan amendments to this plan adopted since the end of the plan year covered by the last return/report
Form 5500, 5500-C or 5500—-K which was filed for this plan? . cae ke Me a
(b) If “Yes,” (i) And if any amendments have resulted in a change in the information contained in a summary plan

My _ description or previously furnished summary description of modifications:
fr (A) Have summary descriptions of changes been sentto participants?. . . . .. .
(B) Have summary descriptions of the changes been filed with DOL?. . . ... . : os
(ii) Does any such amendment result in the reduction of the accrued benefit of any participant under the plan? .
(c) Enter the date the most recent amendment was adopted. . . . . . . }» Month
(d) (i) Has a summary plan description been filed with DOL forthis plan? . . . . . . "et ay ae

(ii) If (i) is ‘‘Yes,”” what was the employer identification number and the plan number used to identify it?
Employer identification number }> . Plan number }>

9 Plan termination information:
: (a) Was this plan terminated during this plan year or any prior plan year? . ia ae aes Se

(b) If ‘‘Yes,’’ were all trust assets distributed to participants or beneficiaries or transferred to another plan? . ‘
(c) If item 12(a) is to be checked “Yes,” and 9(a) is “‘Yes,"’ has a notice of intent to terminate been filed with PBGC? .

oe —— ——-- oe oe

10 (a) Was this plan merged or consolidated into another plan or were assets or liabilities transferred to another plan
since the end of the plan year covered by the last return/report Form 5500, 5500—-C or 5500—K which was filed

N/ ee ae Tg = sa oe ‘
A If ‘‘Yes,” identify other plan(s): | (c) Employer identification number(s) | (d) Plan number(s)
BE 5 ee EE bee ee : Bice ne Se ARE MORE ae SERS 1 Se meee ee, RCN E ENCE ARES SNS oa

ee we EEF EEE GE EEE EO ee eee ee ee ide

(eo). Hos Form: 3210 Geen: fied? .. os ea et ee Sw i ew ee ee Se me, | CC VO Eo

11 Indicate funding arrangement:

N (a) [] Trust (b) [] Fully insured (c) [(] Combination (d) [1] Other (specify) B® ee wees
In (e) If (b) or (c) is checked enter number of Schedules A (Form 5500) which are attached. . . . . >

12 (a) (i) 4s the plan covered under the Pension Benefit Guaranty Corporation termination insurance program? [] Yes [] No [] Not determined

(ii) If “Yes,’’ or ‘‘Not determined,” list employer identification number and/or plan number used in any filing with PBGC if the
My number was different than the numbers listed in item 1(b) or 5(c) >
BR

RR De ee en ee ee | ee ee ee ee a ee

(b) If (a)(i) is “Yes,” or ‘‘Not determined,” did any events requiring notice to PBGC occur during this plan year? .
(c) If (b) is “Yes,” indicate which events occurred that require notice to the PBGC (see instructions) }»

ee eee ee ee

oe EF EEE KK

13 Complete both (a) and (b):
(a) Is the plan insured by ‘a fidelity bond? .

N Ci) tf *“¥Yes,” enter name of surety company >

& (ii) Amount of bond coverage >

— EE EE EE EEE EEE EER EEE EOE EHO OHO

ee ee ee EERO OR RO ee He ee KE eee Ree Heme eee eee meee

~~

14 (a) Is this a defined benefit plan subject to the minimum funding standards for this plan year?.
lf “Yes,” attach Schedule B (Form 5500).

(b) Is this a defined contribution plan, i.e., money purchase or target benefit, subject to the minimum funding
standards (if a waiver was granted see instructions)? .

NM lf ‘‘Yes,’’ complete (i), (ii) and (iii) below:
Gy

(i) Amount of employer contribution required forthe plan year. . . . .. . 2» A PO EMRE a Ca

Enter date of last payment by employer » Month............ PFs cen enntn Year............ CC MC@@"@" 0007ZZ

(ii) Amount of contribution paid by the employer forthe plan year. . .. . 9

ee ee ee ee

*

Form 5500-C (1980) 3 Page 3

15 Plan assets and liabilities at the beginning and the end of the current plan year (list all assets and liabilities at current
value). A fully insured welfare plan or a pension plan with no trust and which is funded entirely by allocated insurance
contracts which fully guarantee the amount of benefit payments should check the box and not complete this item. . . . » []

ee UU EEE IEEE RENE ERSEEEREREERE —

Note: Include all plan assets and liabilities of a trust or separately maintained fund. If more than one trust/fund, report on a
combined basis. Include all insurance values except for the value of that portion of an allocated insurance contract which

fully guarantees the amount of benefit payments. Round off amounts to nearest dollar. If you have no assets to report enter
“*O—"’ on line 15(g).

Assets a. Beginning of year b. End of year

(a) Cash— VM CMMI

ce CUI See ae oe ote G4 ie oe ie eel wea ee

(ii) Non-interest bearing . eae
eae ne a a
(c) Investments— Y MWZWZJIZZIZI-: YW Yj JU) YY
Peace nena, ROINN I: 5 ny ee oe a a oe ae ee
(ii) Pooled funds/mutual funds.
(iii) Corporate (debt and equity instruments) .
(iv) Real estate and mortgages . Ney ae
(vw. 4a...» se ee eae Se ae
(d) Buildings and other diasienitila sebake
(e) Unallocated insurance contracts . co £4 aula oes
>) Other assets . .. . ae ee ae ee
(g) Total assets, sum of (a) siesiiii (f ORES ae eae Si ae gl oe eae ae cette ieipmmecnret meninaiitasincas
Liabilities and Net assets YMH==@V-. YY WY CTI:
Fees sk wt ce

Ny) (i) Acquisition indebtedness .
4y =6(j) Other liabilities .

(k) Total liabilities, sum of (h) shenaain (j) .
(1) Net assets, (g) minus (k) .

i

16 Plan income, expenses and changes in net assets during the plan year. Include all income and expense of a trust(s) or separately
maintained fund(s) including any payments made for allocated insurance contracts. Round amounts to nearest dollar.

(a) Contributions received or receivable in cash from— i ree ma Totel

(i) Employer(s) (including contributions on behalf of self-employed individuals) | Y///7
ee I i a) ig ee Se es eS ee a ee a eee ce as Yy Yy
(k) Total expenses, sum of (g) through (j) .

(iii) Others.
7
—
(I) Net income, (f) minus (k) .

(b) Noncash contributions .
(c) Earnings from investments (interest, dividends, rents, royalties) .
(d) Net realized gain (loss) on sale or exchange of assets .

re ee a Shecic um wnivinbarwuspiebdsiowcdnacadandae wtiauasa eae

m) Changes in net assets—
a eet a peer anen teeprecietion) OF S4800S — a 8 we we Me Sh Yj Yy
oP ee rm Ce ice chien dn een csi een
(n) Net increase (decrease) in net assets for the year,(l) plus (m). . . . .
{o) Net assets at beginning of year (line 15(l), column a).

(f) Total income, sum of (a) through (e)
(g) Distribution of benefits and payments to provide benefits—
(i) Directly to participants or their beneficiaries .
(ii) To insurance carrier or similar organization for provision of benefits (including
prepaid medical plans) .
(iii) To other organizations or individuals providing welfare benefits .
(h) Interest expense.
(i) Administrative expenses (salaries, fees, commissions, insurance premiums) .
a AE ee ee ee SE EEE Se OL

(p) Net assets at end of year, (n) plus (0) (equals li line je 15(1), column b).

ie ouseum

17 As of the end of the plan year: ae Madde

(a) What percentage of plan assets are loaned to a party-in-interest?.

(b) What percentage of plan assets are invested in securities issued by a party-in-interest?. . . . . . Soke eee
(c) What percentage of plan assets are invested in real estate which is leased by a party-in-interest?. . . %

- ad

{Form 5500-C (1980)

718 Since the end of the plan year covered by the last return/report Form 5500, 5500-—C or 5500-K which was filed for

Yes | No
% this plan:

(a) Has there been a termination in the appointment of any trustee, accountant, insurance carrier, enrolled actuary,
administrator, investment manager or custodian? .

lf ‘Yes,’ explain and include the name, position, address and telephone number of the person whose appointment

Wii Bie RR ee EOE, TE ee _

le lei ee ee ee ee ee ee a ei eee

(b) Has the plan used the services of a contract administrator? . he ene
lf ““Yes,’’ enter the contract administrator's name and employer identification number (see instructions) >

(c) Indicate the amount of the plan’s administrative expenses for the:

(i) Preceding year > $..............000000... srosesseestees , (ii) Second preceding year }» $

(0) lave Se reerence ponces oF annie been. sepiced’ =. Se a ae ee ee ES
(e) Was the plan funded with: (i) ["] Individual policies or annuities (ii) [ ] Group policies or annuities (iii) ["] Both

ee eee eee)

19 Since the end of the plan year covered by the last return/report Form 5500, 5500-—C or 5500—K which was filed for

this plan: |

(a) Other than transactions described in the exceptions outlined in the instructions, were there any transactions,
directly or indirectly, between the plan and a party-in-interest? .
If ‘‘Yes,’’ see specific instructions.

(b) Has the plan granted an extension on any loan for which prior to the granting of an extension, it has not received
all the principal and interest payments due under the terms of the loan?. . . . :

(c) Has the plan granted an extension of time or renewal for the payment of any obligation owed to it which amounts

ie oe ee a

20 As of the end of any plan year since the end of the plan year covered by the last return/report, Form 5500, 5500—C or Yy Yj
5500-K which was filed for this plan: YY y Yy

(a) Did the plan have investments of the type reportable under item 15(c)(iv) or (v) which in the aggregate exceeded
15% of plan assets in either category?. . . ... . Rg 5 ee ee ae ee

(b) Did the plan have loans outstanding or investments in a single enterprise (other than the United States Govern-
ment) which exceeded 15% of plan assets? .

21 During the plan year covered by this return:

(a) Did any plan fiduciary who is an officer or an employee of the plan sponsor receive campensation from the plan
for his or her services to the plan? . eS 2 ee oe ae

(b) Did the plan acquire any qualifying employer security or qualifying employer real property, when immediately

after such acquisition the aggregate fair market value of employer securities and employer real property held by

~ the plan exceeded 10% of the fair market value of the plan assets? . ~-s« ee

(c) Has any plan fiduciary had either a financial interest worth more than $1,000 in any party providing services to

the plan or received anything of value from any party providing services to the plan? . ee a ee

(d) Has any employer owed the plan contributions which were more than three months past due under the terms of
NN io ae or ne ee es eS ee a ae es ee er ce ee

(e) Were any loans by the plan or fixed income obligations due the plan in default as of the close of the plan year
or classified as uncollectable? ... 2. 6. 2 ee ee ee eee ee :
(f) Were any leases to which the plan was a party in default or classified as uncollectable? .

mee

.
‘
‘\

22 Who is the plan’s designated agent for legal process? >

———— — at —- = ———

23 Give the name and address of each fiduciary (including trustees) to the plan

ee eee eee ee eee eee ee eee ee sleet ee eee eee
EE EEE EEE EEE EEE EEE EEE EEE EEE EEA Ee
et ee ee ae ee eee eee
ed ded eee LLL LLL eee eee
CO SS SO EEE EEE EEE EEE EE EEE OE ee ee ee ee ee ee a ee ee
iia eee ee ee eee eee eee eee te

tiie ee ee eee
eee ee ee ee
SE EEE EEE ee ee ee Ee Se eS Se EE ee ES a ee

SSS 6 Oe & © OSES OS OS ES OS SE SE EEE EEE EEE EDF BEE EEE EEE EEE EEO GEE EEE EEE EEE OT

aq
«Form 5500-C (1980)

Page 5
- 24 Is this plan an adoption of a: Yes |_No

N/ (a) [] Master/prototype, (b) [_] Field prototype, (c) [_] Pattern, (d) [_] Model plan, or (e) [_] Bond purchase plan? .

a If “Yes,’’ enter the four or eight digit IRS serial number (see instructions)... > Uf, YY

25 (a) Is this plan integrated with social security? . Bg. ee ae oe oe : — ; es, 6” Se

(b) Is it intended that this plan qualify under section 401 or 405 of the Code? . Ss ee er oe

Ny} (c) If (b) is “Yes,” have you received a determination letter from the IRS forthis plan?. 2. 2. . «© «© 2 «© «© >» Ree

A (d) Does the employer/sponsor listed in item 1(a) of this form maintain other qualified pension benefit plans? . a ace
If “Yes,” list the plan number(s) of the other plans > YYYy YUL Uy

26 Plans which check item 25(b) ‘‘No,’’ do not complete this item.

= a TS ga I a RR TIRE I
Employees and participating employees as of the end of the plan year (if a sponsor chooses to complete item (a) and Y Yy
Ze V0,

© (>) as of a date within the plan year other than the end of the plan year, enter date pee ee Sie WU
x (a) Does the plan satisfy the percentage tests of section 410(b)(1)(A) of the Code (See instructions)?. . x

se e + YU “f, Uf 4
If “Yes,” complete the total column only for item (b) and complete all columns for item (c). jj yy
if “No,’’ complete ali columns for all the items. Yy Yy

(See instructions for exception.) la, A. Officers
nd shareholders

Mla B. Others © S. Total

oe

8) (b) (i) Total number of employees.
(ii) Excluded from plan because:
(A) Collective bargaining agreement . ;
(B) Other statutory exclusion. . . . -. « -
(C) Ineligible (see instructions)
(D) Total: add (A), (B) and (C). Tae. Soe
(iii) Participating employees subtract (ii)(D) from (i) .
ie X (c) Total number of participants in this plan separated from
service without full vesting in:

(i) The current plan year. ‘= — - ole 320)
(ii) The preceding plan year. V7 Uf ope lia ia se YY
(iii) The second preceding plan year. Yj phy yyy WYwE.
> (iv) Total: add (i), (ii) and (iil) — —
~ Check
27 Vesting (check only one box to indicate the vesting provisions of the plan): | (V)
(a) Full and immediate vesting or full vesting within 3 years . ja ee tee es ee
Wi (b) No vesting in years 1 through 9 and full vesting after the 10th year of service . fae ie ee 8 ge
A (c) For each year of employment, commencing with the 4th such year, vesting equal to 40% after 4 years of service,
5% additional for the next 2 years, and 10% additional for each of the next 5 years. : “es <
(d) 100% vesting within 5 years after contributions are made (class year plan only) . os pa ee ee eo
Ca) er Wn 6 ce ck ee we 6 ne ee eS ee ° |
Yes | No

28 (a) Did the employer receive plan assets (including a return of contributions) since the last return/report Form 5500,
5500—C or 5500—K which was filed for this plan? . ioe es eos fee Se ee S
Nip (b) If a defined benefit plan which provides for annual, automatic increases in the maximum dollar limitations under

section 415 of the Code, does the plan provide that any such increase is effective no earlier than the calendar
year for which IRS determines that increase under section 415(d) of the Code? .

(c) Is this a plan with Employee Stock Ownership Plan (ESOP) features? . yee Fa eo Aa

(i) If “Yes,’’ was a current appraisal of the value of the stock made immediately prior to any contribution of
stock or purchase of the stock by the trust for the plan year covered by this return/report? .

(ii) If (i) is “‘Yes,”” was the appraisal made by an unrelated third party? . a at ger ee eee he ee,
(iii) If (ii) is ‘‘No,"’ was the appraisal made in accordance with the provisions of Revenue Ruling 59-60? .

vv U.S, GOVERNMENT PRINTING OFFICE : 1980—-O-313-198 El. #52-1074467

— Because of central maintenance of vesting records, this information is not
available on tne basis of individual participating employers. The total
number of participants in this Plan as of the end of the 1979 pian year
was 1/747. The total number of participants in this Plan as of the end of
the 1930 plan year was 1672. The total number of participants who separated
from service without full vesting during the 1980 plan year was 3290 .

——

Pension Benefit Guaranty Corporation

Department of Labor
Pension and Welfare Benefit Programs

PLAN SPONSOR FISCAL YEAR BEGINNING

Form 5500-R

Department of the Treasury
Internal Revenue Service

1/1/81

for late filing of this return/report.

ENDING

Registration Statement of Employee Benefit Plan

(With fewer than 100 participants)
This form is required to be filed under sections 104 and 4065 of
the Employee Retirement Income Security Act of 1974 and sec-
tion 6058 of the Internal Revenue Code. Caution: There is a penalty

12/31/81

OMB No. 1210-0016 _

1981

Amended [ |

This Form is Open
to Public Inspection

For the calendar plan year 1981 or fiscal plan year beginning g (yj. 1981, and ending g (34 fs 19 8

> File this form for the plan years that Form 5500—C or Form 5500-K is not required to be filed. (See instruction B.) Do NOT

file this form for the plan’s first year or for the plan’s final return /report. Instead file applicable Form 5500-C or Form 5500-K.

> If you have been granted an extension of time to file this form, you must attach a copy of the approved extension to this form.

> Type or complete in ink and file the original. If any item does not apply, enter ‘‘N/A.”’

Use
IRS
label.
Other-
wise,
please
print

Mew York New Yor!

or type.

1 (a) Name of plan sponsor (employer, if fora single employer plan)
Young Women's Christian Association of Albany

1 (b) Employer identification number

|, 1% 1340017

Address (number and street)

28

Colvin Avenue

| 1 (c) Sponsor’s telephone number

| (548 ) 438-6608

City or town, State and ZIP code
Albany, NY 12206

2 (a) Name of plan administrator (if same as plan sponsor, enter ‘‘Same’’)

Address (number and street)

600 Lexington Avenue

City or town, State and ZIP code

__| 21% 753 ) 4700

1 (d) This form is filed instead of

| 5500-C 5500-K
1 (e) If plan year changed since last

yeturn/report, check here Bn

| 2 (b) Administrator’s employer identification no.

| 13) 2903440

2 (c) Administrator’s telephone number

|

3 Name, address, and employer identification number of plan sponsor and/or plan administrator as shown on the latest return/report filed for this plan, if differ-

ent from 1 or 2 above: (a) Sponsor > - ~
(b) Administrator >

a

—_—_
‘
'

!

i

Check if name of plan changed since last return/report. 4 (c) Enter three digit plan number > rr ; : 1

5 Type of plan:

(a)

r 4

|

$$ $$ Am

| Defined benefit
(x Defined contribution (money purchase or profit-sharing)

Welfare benefit
|_| Other (specify) >

6 Plan information:
(a) Was this plan terminated during this plan year or any prior plan year? .

(b) If (a) is ‘‘Yes,”’ were all trust assets distributed to participants or beneficiaries, or transferred to another plan?.
(c) Was this plan amended during this plan year to reduce any participant’s accrued benefits? .

(d) If this is a defined benefit plan or a defined contribution plan subject to the minimum funding standards, has
the plan experienced a funding deficiency for this plan year (defined benefit plans, attach Schedule B (Form

f)
N is

¢g) If 6(a) is “‘Yes” and this plan is covered under PBGC termination insurance program, has a notice of intent

Ne

5500))? . ~-s s w « + * & © © @ 8 & @
(e) If (d) is ‘‘Yes,’’ have you filed Form 5330 to pay the excise tax? .
Is this plan covered under the Pension Benefit Guaranty Corporation

termination insurance program?

Yes

to terminate been filed?

(h) Total participants:
(1) Beginning of plan year.

(ii) End of plan year . ~ 2 «
See back of form for additional questions.

Yes | No

xt saves

No

x

Under penalties of perjury and other penalties set forth in the instructions, | declare that | have examined this report, including accompanying schedules and statements, and to
the best of my knowledge and belief it is true, correct and complete.

Date »
For Paperwork Reduction Act Notice, see page 1 of Form 5500-C or Form 5500-K instructions.

Signature of employer/plan sponsor >

Signature of plan administrator p>

“seer ee RK BP OR OB BO wm MO Mem Bee Cee wee eee eee me meee eee eee eee eee eee

Form 5500-R (1981)

Page 2

6 (con’t)
(i) If plan benefits were provided by an insurance company, insurance service or similar organization, enter the
number of Schedules A (Form 5500) attached. 2. 2 ww wee Deen eee

Yh (i) During this plan year or the prior plan year, was any participant(s) separated from service with a deferred
. vested benefit for which a Schedule SSA (Form 5500) is required to be attached?. . 7,
7 (ii) If “Yes,’’ enter the number of separated participants required to be reported B® see
7 Fiduciary information during this plan year:
“(a) Did any plan fiduciary who is an officer or employee of the plan sponsor receive compensation from the plan for
his or her services to the plan? .
(b) Did the plan acquire any qualifying employer security or qualifying employer real property, when immediately
after such acquisition the aggregate fair market value of employer securities and employer real property held by
the plan exceeded 10% of the fair market value of the plan assets? .
(c) Did the plan receive any non-cash contributions? .

(d) Has any plan fiduciary had either a financial interest worth more than $1,000 in any party providing services

*
ve

N/ to the plan or received anything of value from any party providing services to the plan? .

(e) Has any employer owed the plan contributions which were more than three months past due under the terms of
the plan?
(f) Were any loans the plan made or fixed income obligations due the plan in default as of the end of the plan year,
or classified as uncollectable? .
(g) Were any leases to which the plan was a party in default or classified as uncollectable? .
(h) Party-in-interest information:
" (i) Did the plan lend assets to, borrow from, or guarantee any indebtedness of a party-in-interest? .

(ii) Has the plan purchased any assets from or sold any assets to a party-in-interest? .
(iii) Has the plan leased property to or from a party-in-interest?. .

Yes No

# Schedule SSA Has Been Filed with Form 5500 by the YWCA Retirement Fund,
inc. on behalf of all participating Associations.

we Because of central maintenance of vesting records, this information
is not available on the basis of individual participating employers.

The total number of participants in the Plan as of the end of the
1980 plan year was 4557. The total number of participants KAXEKK
who separated from service with vesting during the 1981 plan year

was 193.

YWCA RETIREMENT FUND 600 Lexington Avenue NewYork,NY10022 242753 4700" p

April 16, 1982
TO: Executive Director

FROM: Eleanor E. Lutfy,
Controller

RE: Form 5500-R - 1981 ---- to be filed by Associations with fiscal year
beginning on or after January 1, 1981 but before September 1, 1981.

* Form 5500-R-81 must be filed with the Internal Revenue Service on or before the
last day of the seventh month following the close of the Association's (not the
Plan's) fiscal year.

PLEASE IGNORE PARAGRAPH B UNDER GENERAL INSTRUCTIONS ON YOUR FORM 5500-R-1981
RELATING TO THE FILING OF FORM 5500-R ACCORDING TO THE LAST DIGIT SCHEDULE OF
YOUR ASSOCIATION EMPLOYER IDENTIFICATION NUMBER.

‘ALL ASSOCIATIONS. PARTICIPATING IN THE Y.W.C.A. RETIREMENT FUND WILL CONFORM TO
A UNIFORM CYCLE OF FILING AND, WILL FILE FORM 5500-R-1981 FOR THE FISCAL YEAR
BEGINNING ON OR AFTER JANUARY 1, 1981.

A sample Form 5500-R is enclosed. To guide you in completing the form we have coded
the questions as follows:

X - This office has provided you with the answers.
O - Your office must provide the answers.
N/A - These questions are not required to be answered. Enter "N/A".

SPECIAL NOTES:

* A - See page 1 - date line - the daes of the Plan fiscal year are
required. The Association's filing date, however is based on the

closing date of the Association's fiscal year. Please type above
the heading:

PLAN SPONSOR FISCAL YEAR BEGINNING END ING °
and insert the dates of the Association's fiscal year.

B - See item 6 (h)*, (j)*. It is important that the explanatory statement

which appears at the bottom of page 2 is typed on your Form 5500-R.

C - Your completed form must be mailed directly to the Internal Revenue
Service. DO NOT mail a copy to this office.

* The Internal Revenue Service has reversed the regulation allowing Associations to
file 5500-C or 5500-R based on the Association's fiscal year.

continued...

Commencing September 1, 1981 the requirement is that Form 5500-R must be filed
in accordance with the Plan's Fiscal Year. The Fiscal Year of the YWCA Retire-
ment Fund commences September 1, 1981 and ends August 31, 1982. Consequently
the filing date for Form 5500-R - 1981 will be March 31, 1983.

You will receive from this office the latter part of 1982 or early 1983 our
instructive memorandum together with a sample copy of Form 5500-R-1981 to assist
you in filing your form.

It will be necessary, therefore, for those Associations whose fiscal year begins
on or after January 1, 1981 but before September 1, 1981 to file a second Form
9500-R-1981 one seven months after their fiscal year closing and one on March 31,

1983, which is seven months after the Plan's fiscal closing. This office will
provide the necessary form.

PLAN SPONSOR FISCAL YEAR BEGINNING END ING
2-11-82

rom H500-—K Registration Statement of Employee Benefit Plan
Department of the Treasury , (With fewer than 100 participants)

Internal Revenue Service

_OMB No. 1210-0016

181

This form is required to be filed under sections 104 and 4065 of
Department of Labor the Employee Retirement Income Security Act of 1974 and sec: Amended LJ
Pension and Walfase Benelit Programs tion 6053 of the Internal Revenue Code. Ceulien thaw is 0 patente ea Fara Ga —_
Pension Benelit Guaranty Corporation for late filing of this return /report.

to Public Inspection

For the calendar plan year 1981 or fiscal plan year beginning , 1981, and ending

} File this form for the plan years that Form 5500—C or Form 5500—K is not required to be filed. (See instruction B.) Do NOT
file this form for the plan's first year or for the plan's final return/report. Instead file applicable Form 5500~C or Form 5500-K.

> if you have been granted an extension of time to file this form, you must attach a copy of the approved extension to this form.
b> Type or complete in ink and file the original. If any item does not apply, enter “N/A.”

Use 1 (a) Name of plan sponsor (employer, if fora single employer plan) 1 (b) Employer identification nu:nber
label ___Name of Association Oi /32 WOOT
Other- Address (number and street) 1 (c) Sponsor's telephone number
wise, Address of Association 0 c . 4

. amt City or town, State and ZIP code 1 (d) This form is filed instead of

or type. » 4 Bd 5500-C [] 5500-K
2 (a) Name of plan administrator (if same as plan sponsor, enter ‘'Same’’) “1 (e) If plan year changed since last
, _ Roard of Trustees, YWCA Retirement Fund, Inc. | N/A_ feturn/report, check here [}
x Address (number and street) 2 (b) Administrator's empioyer identification no.
pa 3 sid 13} 2903440

_ Gity or town, State 3nd ZIP code 2 (c) Administrator's telephone number

a ) es. ae. a es) |

3 Name, address, and employer identification number of pian sponsor and/or plan administrator as shown on the latest return/report filed for this plan, if differ-

X ent from 1 or 2 above: (a) Sponsor ae ee ee ee Lee
(b) Administrator D>

— + ——— —_— -- —_ --- ee eee

X 4 (a) (i) Name of plan pLhe..YWCA Retirement..Fund.Ink4tb) Effective date of plan > 9/1725

N RB (ii) C] Check if name of plan changed since last return/report. 4Xc) Enter three digit plan ‘number > 0

. 5 Type of plan:
x (a) [7] Defined benettt

(b) [3 Defined contribution (money purchase or profit-sharing)
(c) [] Welfare benefit .
(d) ["] Other (specify) >

- 6 Plan information: Yes No

: (a) Was this plan terminated during this plan year or any prior plan year? . c« * #@ © © ® & & & EF =
(b) If (a):is “Yes,” were all trust assets distributed to participants or beneficiaries, or transferred to another plan? .
X (c) Was this plan amended during this plan year to reduce any participant's accrued benefits?. . . ... - ee
(d) If this is a defined benefit plan or a defined contribution plan subject to the minimum funding standards, has
the plan experienced a funding deficiency for this plan year (defined benefit plans, attach Schedule B (Form

5500))? ° . ° . ° . ° a ° . . . ° e . e . e « . e . *. . e e ) . e e - . . xX.
(e) If (d) is “Yes,” have you filed Form 5330 to pay the excise tax?. . | |

>)
—

(f) Is this plan covered under the Pension Benefit Guaranty Corporation yy Uy
termination insurance program? . . . . . . 2. 2 ew ew ee [ ] Yes [ ] No 1] Not determined Ws LMU

N/A (g) If 6(a) is “Yes'’ and this plan is covered under PBGC termination insurance program, has a notice of intent Xx
“to terminate been fied? «+» «ss © ww ts we ee we eh hUhUrhU!hlUhmhlUmhh lh }mhlUhhlUme!hlUh hlUu lh lm hl; _ a
X  =(h) Total participants: ~~ ) Wy Uy
: (i) Beginning ofplanyear. 2 2. 2. eee ee ee ee py 4 ST i Vy, hy
(jij) End of plan yoor . . s*s «© w@ ee wm se Oh Ow Oe huh eh; lh > 4,868 #»* ae Wp Wi,

See back of form for additional questions.

Under penaities of perjury and other penalties set forth in the instructions, | declare that | have examined this report, including accompanying schedules and statements, and to
the best of my knowledge and belief it is true, correct and complete.

O Date Pm ~~~ 2022 oe nen one o eee nee Signature of employer/plan sponsor p>

POPP OPA OSE SSE ODOT ADO OD OD ESEDSEDSE ES OS 4488S S88 S OEE HOE OSS O56 O45 54 05555465 6646684286548 400256

. N/A Date >» Signature of plan administrator f»

For Paperwork Reduction Act Notice, see page 1 of Form 5500-C or Form 5500-K instructions.

© 1982 P-H Inc.-PACM —See Cross Reference Table for latest developments

80,881

N/A

‘80.882 2-11-82

bel

?
Form 5500-R (1981) | Page 2

6 (con't) Yes | No_
N/A (i) If plan benefits were provided by an insurance company, insurance service or similar organization, enter the . y

fe)
Y/

VY Y yy

number of Schedules A (Form 5500) attached. 6 1 ww Penne ne nne cece ence ence ee eee nc etecee: Ws Y We

* (j) (i) During this plan year or the prior plan year, was any participant(s) separated from service with a deferred

vested benefit for which a Schedule SSA (Form 5500) is required to be attached?. . . .»
xy (ii) If “Yes,” enter the number of separated participants required to be reported Pr... a ee Uy
7 Fiduciary information during this plan year:
(a) Did any plan fiduciary who is an officer or employee of the plan sponsor receive compensation from the plan for
his or her servicestothe plan?. 2. 2. 2. 2 26 2 © © © © ee 8 8 8 BF ae fae
(b) Did the plan acquire any qualifying employer security or qualifying employer real property, when immediately
after such acquisition the aggregate fair market value of employer securities and employer real property held by
the plan exceeded 10% of the fair market value of the plan assets?. . - + + + © * © es s ef 8 8
(c) Did the plan receive any non-cash contributions? . . 2. 2 e+ © © © © 8 8 8 ee te ee

(d) Has any plan fiduciary had either a financial interest worth more than $1,000 in any party providing services
to the plan or received anything of value from any party providing services tothe plan?. . . . « « « -
(e) Has any employer owed the plan contributions which were more than three months past due under the terms of
the plan? «0. 0 0 ete we et ee we ee we ee ee es
(f) Were any loans the plan made or fixed income obligations due the plan in default as of the end cf the plan year,

or classified as uncollectable?.. ... «6-6 «© © e' «© © © © © © © © © © © © & FH He
(g) Were any leases to which the plan was a party in default or classified as uncollectable?. . . . + «© « »
(h) Party-in-interest information:
(i) Did the plan lend assets to, borrow from, or guarantee any indebtedness of a party-in-interest?. . . .
(ii) Has the plan purchased any assets from or sold any assets to a party-in-interest?. . 2. 2 2 2 # «© »

(iii) Has the plan leased property to or from a party-in-interest?. - - + + ee
{x US, GOVERNMENT PRINTING OFFICE ; 1581—O-343-206

—_-—--ooo

YG, 4

* Schedule SSA has been filed with Form 5500 by the YWCA Retirement Fund, Inc.
on behalf of all participating Associations.

*K Because of central maintenance of vesting records, this information is not
available on the basis of individual participating employers. The total
number of participants in this Plan as of the end of the 1980 plan year
was 455/. The total number of participants in this Plan as of the end of
1981 plan year was 4868. The total number of participants who separated
from service with vesting during the 1981 plan year was 193.

*

sent 3/25 /83 JB

g +» \ ~
YWCA RETIREMENT FUND One Madison Avenue New /York,NY10010 2412686 8630

January 1983

TO Executive Director

FROM: Eleanor E. Lutfy,
Controller

—- 1981 ---- to be

RE: Form 5500-R iled by all Associaticms on or before

eae 31, 1983.
Form 5500-R-81 must bé-fi ith the Internal Revenue Service on or before
1- the last day of the seventh month following the close of the PLAN'S fiscal year.

(The Internal Revenue Service has reversed the regulation allowing Associations
to file 5500-C or 5500-R based on the Association's fiscal year.)

PLEASE IGNORE PARAGRAPH B UNDER GENERAL INSTRUCTIONS ON YOUR FORM 5500-R-1981
2- RELATING TO THE FILING OF FORM 5500-R ACCORDING TO THE LAST DIGIT SCHEDULE OF
YOUR ASSOCIATION EMPLOYER IDENTIFICATION NUMBER.

ALL ASSOCIATIONS PARTICIPATING IN THE Y.W.C.A. RETIREMENT FUND WILL CONFORM
TO A UNIFORM CYCLE OF FILING AND, WILL FILE FORM 5500-R-1981 FOR THE PLAN
YEAR 9/1/81 - 8/31/82.

Fa. A sample Form 5500-R 1981 was forwarded to you with our memorandum dated
April 16, 1982. Please refer to it when completing the attached form.

All answers and codings remain the same, with the exception of the following:

pel 2(a) One Madison Ave., New York, N.Y. 10010

p-l 2(c) 212 686-8630
p.l 6(b) should now read: i 4,868

ii 4,867

p.2 ** Should now read:

Because of central maintenance of vesting records, this informa-
tion is not available on the basis of individual participating
employers. The total number of participants in this Plan as of
the end of the 1981 plan year was 4868. The total number of par-
ticipants in this Plan as of the end of 1982 Plan year was 4867.
The total number of participants who separated from service with
vesting during the 1981 - 82 Plan year was 158.

PLEASE NOTE:

Associations whose fiscal year began on or after January 1, 1981 but before
September 1, 1981 will be filing a second form 5500-R-1981:

a) One, that was filed seven months after the Association's

fiscal closing.
b) One, to be filed on or before March 31, 1983 which is seven

months after the Plan's fiscal closing.

MAIL COMPLETED FORM TO IRS. DO NOT MAIL IT TO THIS OFFICE.

EEL:mg

i eee ee eee, ee eee eee
: - PLAN SPONSOR FISCAL YEAR BEGINNING JAN. 1 ENDING DEC. 31

rem J900-G |  Return/Report of Employee Benefit Plan |s%22-

Department of the Treasury . og 9
Internal Revenue Service (With fewer than 100 participants)
Department of Labor This form is required to be filed under sections 104 and 4065 of the This Form is Open
Pension and Welfare Benefit Programs Employee Retirement Income Security Act of 1974 and sections 6057(b) : *
Pension Benefit Guaranty Corporation and 6058(a) of the Internal Revenue Code, referred to as the Code. to Public Inspection

For the calendar plan year 1982 or fiscal plan year beginning 9/1 , 1982, and ending 8731 , 1983 .

Type or print in ink all entries on the form, schedules, and attachments. If an item does not apply, enter ‘‘N/A’’. File the originals.

This return/report is: (i) the return/report filed for the plan’s first plan year; (ii) [_] an amended return/report; or
(iii) [-] the final return/report filed for the plan. '

~& Caution: A penalty of $25 a day for the late filing of this return/report will be assessed unless reasonable cause is established—
see General Instruction F. 7
P Welfare benefit plans required to file this form do not completeitems 7(b), 12, 14 and 24 through 28.

Certain welfare plans are not required to file this form—see instructions.
> If you have been granted an extension of time to file this form, you must attach a copy of the approved extension to this form.

Use 1 (a) Name of plan sponsor (employer, if for a single employer plan) 1 (b) Employer identification number
sa Young Women's Christi oc. of Alban — 14 1340017,

Other- Address (number and street) 1 (c) Telephone number of sponsor
wise, or (438 ) 6608

print PiKer town, State and ZIP code 1 (d) If plan year changed since last
or type. *New York 12206 return/report, check here > [ ]

2 (a) Name of plan administrator (if same as plan sponsor enter ‘‘Same’’)
Young Women's Christian Assoc. Retirement Fund, Inc.

Address (number and street)
1 Madison Avenue

City or town, State and ZIP code
New York, N. Y. 10010

1 (e) Business code number

9319
2 (b) Administrator's employer identification no.

13 2903440

2 (c) Telephone number of administrator
212 ( 686 ) 8630
3 Is the name, address and identification number of plan sponsor and/or plan administrator the same as they appeared on the last

return/report filed for this plan? 5 Yes [_] No. If “No,” enter the information from the last return/report in (a) and/or (b).

ta A a a eat a ee ee ee
(b) Administrator >

—

4 Check box to indicate the type of plan entity (check only one box): (c) [_] Multiemployer plan
(a) [| Single-employer plan (d) [ ] Multiple-employer-collectively-bargained plan
(b) [_] Plan of controlled group of corporations or common control employers (e) [X}- Multiple-employer plan (other)

5 (a) (i) Name of plan pine Y.W.C.A. Retirement Fund, Inc.

5 (b) Effective date of plan
9/1/25

5 (c) Enter _ three-digit
plan number p>
6 Check at least one item in (a) or (b) and applicable items in (c): (a) Welfare benefit plan: (i) [_] Health insurance

, (ii) [| Life insurance (iii) [_| Supplemental unemployment (iv) [|] Other (specify) P>-....................

lee ee rene eee eee ed eee eee

(ii) [_] Check if name of plan changed since the last return/report.

FE LE LYLE SE LOGO SSPE ES TET LO OI Se EI EE AP OLE IS GE EE OES SE SORES CSRS REDRESS YS ES RSS OO EH SOTHO EE CHEN SHBSROSHNAOEENHEESSEKEEHTETBHKEKCKKKES DEERE SKS SON SR SSS

(b) Pension benefit plan: (i) Defined benefit plan—(Indicate type of defined benefit plan below):
(A) [_] Fixed benefit (B) [] Unit benefit (C) [] Flat benefit (D) [| Other (specify) P.............0......

(ii) Defined contribution plan—(Indicate type of defined contribution plan below):
(A) [| Profit-sharing (B) [-] Stock bonus (C) [] Target benefit (D) a Other money purchase

(E) Other (specify) }»>

EEO mmm mmm wwew en ewwewc ccc ewww eww cw cee w eww ne ecw come w ccc c ccc meme ween ccm ewww eens cece cence ono cece eee eee eee eee eee ween en nne
(iii) Defined benefit plan with benefits based partly on balance of separate account of participant (Code section 414(k))

(iv) Annuity arrangement of a certain exempt organization (Code section 403(b)(1))

——

(v) Custodial account for regulated investment company stock (Code section 403(b)(7))

(vi) Pension plan utilizing individual retirement accounts or annuities (described in Code section 408) as the sole fund-
ing vehicle for providing benefits

(vii) [ ] Other (specify) >

PP PP PAD A GADD O OSSD O SOS OO OOS S OSS CPSP SOSSSES © © OC OSS SHSSSHSSSSSSSSSES SS GOSS ESSOMSTOTSSEWEScaovoesroewessercesoeseacoesceccoccececcoeeocece

Under penalties of go | and other penalties set forth in the instructions, | declare that | have examined this report, including accompanying
to the best of my knowledge and belief it is true, correct, and complete.

schedules and statements, an

Date » Signature of plan administrator >>

For Paperwork Reduction Act Notice, see page 1 of the Instructions.

’

5500-C (1982) Page 2

c) Other plan features: (i) [4 Thrift-savings (ii) [-] Keogh (H.R. 10) plan
(iii) Pension plans maintained outside the United States (see instructions) (iv) [] Participant-directed account plan

del

(v) [-] Master trust (see instructionS) > _...........-.--------------nnnncennnenenene ence nnecenennenecnnnnenrnnnnncannnnncnscsnncmnnn ne ren neem eros |

scenes dda cdc SEESESOCS POSSESSES SRS Sere i ma a ca en ee SETA ME AENEAN ICRA eer A SE EE SE AE

d) Single employer plans enter the tax year end of the employer in which this plan year ends ~& Month Day Year

e) Is this a pension plan of an affiliated service group?. ©... 6 ee eH Yes No

f) Does this plan contain a cash or deferred arrangement described in Code section AOL? . « «© wee Yes No

a) Total participants (i) Beginning of plan year P>..........------------.++++++ (ii) End of plan year P-............-..------------+- Yes | No N/A

b) (i) Was any pension benefit plan participant(s) separated from service with a deferred vested benefit for which

a Schedule SSA (Form 5500) is required to be attached?. . . . 6+ © © © © © © © © © # #8 fy _
(ii) If “Yes,” enter the number of separated participants required tobereported. . . . > U4 YUM

$$ $$$ ___—_——— —_—$$$—$ $$ — ——_____—___—— a —

Jan amendment information (welfare plans do NOT complete (b) (ii)): YY Yj N/A
a) Were any plan amendments to this plan adopted since the end of the plan year covered by the last return/report Yy YY

Form 5500, 5500—C or 5500—K which was filed for this plan (or during this plan year if this is the initial return/

reporty? os aw a tee we ee we ee eo ee eS |.
‘b) If “Yes,” (i) And if any amendments have resulted in a change in the information contained in a summary plan Yy, Y
description or previously furnished summary description of modifications: . Yyy Yj,

(A) Have summary descriptions of the changes been sent to participants?. . 2. © «© «© © © «© «© + |

(B) Have summary descriptions of the changes been filed with DOL? . ss #¢ «8

(ii) Does any such amendment result in the reduction of the accrued benefit of any participant under the plan?. |__|

(c) Enter the date the most recent amendment was adopted. . } Month................ 2 Year.........------- Wi Ml
(d) (i) Has a summary plan description been filed with DOL for this plan? . |

(ii) If (i) is “Yes,’’ what was the employer identification number and the plan number used to identify it? WY
Employer identification number > Plan number > Yj

____ Employer identification number BOC CO Oo
. |

Plan termination information: X
(a) Was this plan terminated during this plan year or any prior plan year? . —
(b) If ‘‘Yes,’’ were all trust assets either distributed to participants or beneficiaries, transferred to another plan or

until the end of the plan year in which assets are distributed or brought under the control of PBGC? .

——— = ——__—_-—— —— — | ——————_

(a) Was this plan merged or consolidated into another plan, or were assets or liabilities transferred to another plan N/A

for this plan (or during this plan year if this is the initial return/report)? . sos #.e8 &© © &8.% & F tL
if “‘Yes,”’ identify other plan(s): | (c) Employer identification number(s) | (d) Plan number(s)

cme messes mee ce ee ee ce we ee sees ese ees es cesses esses oowuweueme ES Ee em amc nme eee ewe ee emer

<a ER SSeS SPER TRUE DEMS DRSSNe KENNA SESSSSS SSE SS SSS CR PS POSS SOSH EMSS EST ee ee we ew EEF SEES meoccecececooeowoowoeceeseses:s

(e) Has Form 5310 been filed? . [] Yes [J No
indicate funding arrangement: /A
(a) [] Trust (b) [] Fully insured (c) [| Combination (d) [] Other (specify) |
(e) If (b) or (c) is checked, enter the number of Schedules A (Form 5500) which are attached . >

(a) Is the plan covered under the Pension Benefit Guaranty Corporation termination insurance program? . . [ | Yes [_] No [| Not determined

(b) If (a) is “Yes,” or ‘Not determined,” enter the employer identification number and the plan number used to identify it. Employer N/A

‘dentification number P........________.-------------2eeee--eeee Plan number Pe. oe oeeeeeeeeeeeeee eee |

nn ss nw
Complete both (a) and (b): . Yes | No

(a) Is the plan insured by a fidelity bond? .

(i) If ‘‘Yes,’’ enter name of surety COMpaNy > .___....------------ce---eeeeen-eeceneecnennececeteececeeneneeeeeeeeeceeeeeeeeeeeeee! YY, Yj;

(ii) Amount of bond coverage P>.____.....-..-----------------------nee-nnnnn anne nnn nnne cc nnn nce nn ncn en enna nnnnnn nnn cnnneccennncc serene Yj Yj
(b) Was any loss discovered since the last return/report Form 5500, 5500—C or 5500-K was filed for this plan (or

during this plan year if this is the initial return/report)?. .

__guring tls pian yee eee SS eee

(a) If this is a defined benefit plan, is it subject to the minimum funding standards for this plan year? .

/ A

ao —

lf “Yes,’”’ attach Schedule B (Form 5500)... 5.3 A, ,; | Wy
(b) If this is a defined contribution plan, i.e., money purchase or target benefit, is it subject to the minimum funding Ue

; . : ‘ |
standards (if a waiver was granted, see instructions)? .

| Wy
\

° ‘ . Ys Yy
If “Yes,’’ complete (i), (ii) and (iii) below: YY YY,
(i) Amount of employer contribution required forthe plan year. . . © = « « $ sessilis ieee 7
(ii) Amount of contribution paid by the employer forthe plan year. - - -. « ; S PSO PPE TTT

Enter date of last payment by employer > Month............ SS a FOOT .c202c00<0 Yeeewng“'a”'

(iii) If (i) is greater than (ii) subtract (ii) from (i) and enter the funding deficiency
here. Otherwise enter zero. (If you have a funding deficiency, file Form 5330.) . $

\\\

Form 5500-C (1982) Page 3

V/A 15 Plan assets and liabilities at the beginning and the end of the current plan year (list all assets and liabilities at current
. value). A fully insured welfare plan or a pension plan with no trust and which is funded entirely by allocated insurance
contracts which fully guarantee the amount of benefit payments should check the box and not complete this item. . . . »

Note: Include all plan assets and liabilities of a trust or separately maintained fund. If more than one trust/fund, report on a
combined basis. Include all insurance values except for the value of that portion of an allocated insurance contract which
fully guarantees the amount of benefit payments. Round off amounts to nearest dollar. If you have no assets to report enter
“O—"’ on line 15(g).

Assets a. Beginning of year b. End of year

(a) Cash— MMMM

(i) Interest bearing
(ii) Non-interest bearing .
le | A a a a ee ee
(b) Receivables . . .» «© » » © © » «© © we © hl hl hl hlUlthlUl ll
(c) Investments— Wff/ $53“) VV)’. Yp
(i) Government securities
(ii) Pooled funds/mutual funds . ‘
(iii) Corporate (debt and equity instruments). . . . . 2. «© «© » «
(iv) Value of interest in master trust .
(v) Real estate and mortgages
(vi) Other .
(vii) Total investments . ;
(d) Buildings and other depreciable property used in plan operation
(e} Unallocated insurance contracts .
(f) Other assets . ' ;
(g) Total assets (add (a) ii); (b); (c)(vii): (a); (e) ‘and ()) . » @ « @
Liabilities and Net assets Scum YW YJ)
(hi) Payables . .»§ «© © ® © we ow 6 oe Ow ee we wm le te pee

(i) Acquisition indebtedness .
(j) Other liabilities

(k) Total liabilities (add (h) bhcanate ()) .
(I) Net assets (subtract (k) from (g)) .

16 Plan income, expenses and changes in net assets during the plan year. Include all income and expense of a trust(s) or separately
maintained fund(s) including any payments made for allocated insurance contracts. Round off amounts to nearest dollar.

—_—_—

N/A

(a) Contributions received or receivable in cash from— ____ a Amount b. Total

(i) Employer(s) (including contributions on behalf of self-employed individuals) ———_VJ 7
(ii) Employees . . . . 2. «© © «© © © «© © «© © «© © © © © «© +

(iii) Others

(b) Noncash contributions sce we «ee . ee ee ee em! ee & os ee
(c) Earnings from investments (interest, dividends, rents, royalties). .
(d) Net realized gain (loss) on sale or exchange of assets. . .. .
(e) Other income (specify) P>__.---eeeeeeeeeeeeeeeee
(f) Total income (add (a) through (e)). . . . . . . ee el
Ly

(g) Distribution of benefits and payments to provide benefits—
(i) Directly to participants or their beneficiaries .
(ii) To insurance carrier or similar organization for provision of benefits (including
prepaid medical plans)
(iii) To other organizations or individuals providing welfare benefits .
(h) Interest expense.
(i) Administrative expenses (salaries, fees, commissions, insurance premiums) .
(j) Other expenses (specify) >>

(k) Total expenses (add (g) through (j))
(I) Net income (subtract (k) from (f)) .

(m) Changes in net assets— Yy
(i) Unrealized appreciation (depreciation) of assets . . .......
(ii) Net investment gain (or loss) from all master trust investment accounts. . : Y

CUR ee ee

(n) Net increase (decrease) in net assets for the year (add (I) and (m)) .

(0) Net assets at beginning of year (line 15(1), column a) . ew yw .
(p) Net assets at end of year (add (n) and (0)) (equals line 15(l), column b :

a hen ams

» »

rm 5500—C (1982)

Page 4

’ As of the end of the plan year: WY

(a) What percentage of plan assets are Inaned to a party-in-interest?.
(b) What percentage of plan assets are invested in securities issued by a party-in-interest? .

ee

%

(c) What percentage of plan assets are invested in real estate which is leased by a party-in-interest? .

3 Since the end of the plan year covered by the last return/report Form 5500, 5500-—C or 5500—K which was filed for
this plan (or during this plan year if this is the initial return/report):
(a) Has there been a termination in the appointment of any trustee, accountant, insurance carrier, enrolled actuary,
administrator, investment manager or custodian? .

lf ‘‘Yes,’’ explain and include the name, position, address and telephone number of the person whose appointment
has been terminated >

let tte ite tet iit eee ee iti

(b)

If ‘‘Yes,’’ enter the contract administrator’s name and employer identification number (see instructions) }>

Has the plan used the services of a contract administrator?. . . . . . 2. 2 «© © 8 © © © © © « |

| Yes

Ui

(c) Indicate the amount of the plan’s administrative expenses for the:
(i) Preceding year > $..........2...cc cece cece eee eee , (ii) Second preceding year > $.............2.0. cece cece eee eee
(d) Have any insurance policies or annuities been replaced? . . . . . . ee ee ee ee |
(e) Was the plan funded with: (i) [_] Individual policies or annuities (ii) [ } Group policies or annuities (iii) Both
3 Since the end of the plan year covered by the last return/report Form 5500, 5500-C or 5500—K which was filed for
this plan (or during this plan year if this is the initial return/report):
(a) Other than transactions described in the exceptions outlined in the instructions, were there any transactions,
directly or indirectly, between the plan and a party-in-interest? .
lf ‘‘Yes,’’ see specific instructions.
(b) Has the plan granted an extension on any loan for which, before the granting of an extension, it has not received
all the principal and interest payments due under the terms of the loan? . [ie 8 ee ee es
(c) Has the plan granted an extension of time or renewal for the payment of any obligation owed to it which amounts
to more than 10% of the plan assets? . _* oss .
0 As of the end of any plan year since the end of the plan year covered by the last return/report, Form 5500, 5500—C or

5500—K which was filed for this plan (or as of the end of this plan year if this is the initial return/ report):
(a) Did the plan have investments of the type reportable under item 15(c)(v) or (vi) which in the aggregate in either
category exceeded 15% of plan assets? .

(b) Did the plan have loans outstanding or investments in a single enterprise (other than the United States Govern-
ment) which exceeded 15% of plan assets? .

1 During the plan year covered by this return:

(a) Did any plan fiduciary who is an officer or an employee of the plan sponsor receive compensation from the plan
for his or her services to the plan? . | ; c's @ 4%
(b) Did the plan acquire any qualifying employer security or qualifying employer real property, when immediately
after such acquisition the aggregate fair market value of employer securities and employer real property held by
the plan exceeded 10% of the fair market value of the plan assets? . .«. « * © Bae oe Bm
(c) Has any plan fiduciary had either a financial interest worth more than $1,000 in any party providing services.to
‘the plan or received anything of value from any party providing services to the plan? . “e ® woa ‘ls i, ‘
(d) Has any employer owed the plan contributions which were more than three months past due under the terms of
the plan? .

(e) Were any loans by the plan or fixed income obligations due the plan in default as of the close of the plan year,
or classified as uncollectable? os Vela p tm eg goa te eres ee
(f) Were any leases to which the plan was a party in default or classified as uncollectable? .

2 Who is the plan’s designated agent for legal process? }»
3 Give the name and address of each fiduciary (including trustees) to the plan >

=

N/A

y N/A

YY

|

|

N/A

N/A
i/A

M/A

Form 5500-C (1982) Page 5

24 Is this plan an adoption of any of the plans below? (If ‘‘Yes,’’ check appropriate box and enter IRS serial number): Yes | No
(a) [-] Master/prototype, (b) [_] Field prototype, (c) [_] Pattern, (d) - Model plan, or (e) [_] Bond purchase plan? .
Enter the four or eight digit IRS serial number (see instructions) . . > Yyf YY);

“EE

(b) Is it intended that this plan qualify under Code section 401(a) or 405? .

25 (a) Isthis plan integrated with social security?. . . . ./-eewewn ws = ww -
(c) If (b) is ‘‘Yes,”” have you received a determination letter from the IRS for this plan? .

(d) Does the employer/sponsor listed in item 1(a) of this form maintain other qualified pension benefit plans? .
If “Yes,” list the number of plans including this plan }>

es Ml Nd I a Yy
26 Information about employees of employer at end of the plan year. = Y
X

Vs

—

(a) Does the plan satisfy the percentage tests of Code section 410(b)(1)(A)? If “No,” complete only (b) below and
see Specific instructions): |

(b) Total number of employees .
(c) Number of employees excluded under the plan because of: (i) minimum age or years of service .
(ii) employees on whose behalf retirement benefits were the subject of collective bargaining .
(iii) nonresident aliens who receive no earned income from United States sources .
(iv) Total excluded (add (i), (ii) and (iii)) .
(d) Total number of employees not excluded (subtract (c)(iv) from (b)). skew w a
(e) Employees ineligible (specify reason) Pm o_o... enn eee eee eee nee ee eee:

(f) Employees eligible to participate (subtract (e) from (d)) .

(zg) Employees eligible but not participating . ‘
(h) Employees participating (subtract (g) from (f)) .

Check

27 Vesting (check only one box to indicate the vesting provisions of the plan): (V)

(a) Full and immediate vesting, or full vesting within 3 years. . . . i - £ @

(b) No vesting in years 1 through 9, and full vesting after the 10th year of service .

(c) For each year of employment, beginning with the 4th year, vesting equal to 40% after 4 years of service,

5% additional for the next 2 years, and 10% additional for each of the next 5 years. . .
(d) 100% vesting within 5 years after contributions are made (class year planonly). . . «© «© © «© «© «© «
(e) Other vesting. . . «. «© © «© © «© «© «© «© «© «© 6 «© © © © «© © «© © © © © + + © © ©
Yes | No

28 (a) Did the employer receive plan assets (including a return of contributions) since the last return/report Form 5500,
5500-C or 5500-K which was filed for this plan (or during this plan year if this is the initial return/report)? .
(b) If this is a defined benefit plan which provides for annual, automatic increases in the maximum dollar limitations
under Code section 415, does the plan provide that any such increase is effective no earlier than the calendar year
for which IRS determines that increase under Code section 415(d)?. . . . © «© © «© © ew ow
(c) Is this a plan with Employee Stock Ownership Plan (ESOP) features?. © . 2. «© 6 «© «© © © © «© «
(i) If “Yes,"’ was a current appraisal of the value of the stock made immediately before any contribution of

stock or purchase of the stock by the trust for the plan year covered by this return/report?. . .. .
(ii) If (i) is “Yes,’’ was the appraisal made by an unrelated third party?. . . . . . =... . ~. .,

‘ ’ e . 3
b Fpgt as’

Because of central maintenance of vesting records, this information is not
available on the basis of individual participating employers. The total number
of participants in this Plan as of the end of the 1981-1982 plan year was 4867.
The number of participants in this Plan as of the end of the 1982-1933 _
plan year was 5203. The total number of participants who separated from service
without full vesting during 1982-1933 plan year was 179.

( | .. ~, 7
sHO)v2 Lr ho |

VCS THE YOUNG WOMEN’S CHRISTIAN ASSOCIATION RETIREMENT FUND INC.

ONE MADISON AVENUE ¢© NEWYORK,NY 10010 © 212686 8630

ws |
NA 40
March 9, 1984 Vai”

TO: Executive Director a ne
FROM: W. C. en © C0
Controller
RE: Form 5500-C - 1982

l- Form 5500-C-82 must be filed with the Internal Revenue Service on or
before the last day of the seventh month following the close of the
Plan's fiscal year, which is 3/31/84.

2- ALL ASSOCIATIONS PARTICIPATING IN THE Y.W.C.A. RETIREMENT FUND ARE
REOUIRED TO CONFORM TO A UNIFORM CYCLE OF FILING AND, ARE REQUIRED
TO FILE FORM 5500-C-1982 FOR THE PLAN YEAR 1982-1983.

3- A sample Form 5500-C is enclosed. To guide you in completing the
form we have coded the questions as follows:

X - This office has provided you with the answers.
O - Your office must provide the answers.
N/A - These questions are not required to be answered.

Enter "N/A",

SPECIAL NOTES:

A - Please type your Plan Sponsor Fiscal Year in the space provided
at the top of page l,.

B - See item 28, page 5. It is important that the explanatory
statement which appears at the bottom of page 5 is typed on
your Form 5500-C.

C - Your completed form must be mailed directly to the Internal
Revenue Service. DO NOT mail a copy to this office.

WCW:cf

INCORPORATED UNDER THE LAWS OF THE STATE OF NEW YORK / AUTHORIZED BY THE NATIONAL CONVENTION OF 1922 / IN OPERATION SINCE SEPTEMBER 1, 1925

-. (01455) 182 13 [Form 5500-C] > 3385-15
} © PLAN SPONSOR FISCAL YEAR BEGINNING | ENDING _._

nm 5500-6 | Return/Report of Employee Benefit Plan |“““-2—%

Department of the Treasury (With fewer than 100 participants) 19) 89

laternal Revenue Service t.
Department of Labor This form is required to be filed under sections 104 and 4065 of the This Form is Open
to Public Inspection

Pension and Welfare Benefit Programs Employee Retirement Income Security Act of 1974 and sections 6057(b)
Pension Benefit Guaranty Corporation and 6058(a) of the Internal Revenue Code, referred to as the Code.
For the calendar plan year 1982 or fiscal plan year beginning 971 , 1982, and ending 5731 "19 02. 19 ;

Type or print in ink all entries on the form, schedules, and attachments. If an item does not apply, enter “N/A”. File the originals.
This return/report is: (i) ([] the return/report filed for the plan’s first plan year; (ii) ([] an amended return/report; or

(iii) [7] the final return/report filed for the plan.

p Caution: A penalty of $25 a day for the late filing of this return/report will be assessed unless reasonable cause is estabi shed-—

see General instruction F. |
pm Weifare benefit plans required to file this form do not complete items 7(b), 12, 14 and 24 through 28.

Certain welfare plans are not required to file this form—see instructions.
pm If you have been granted an extension of time to file this form, you must attach a copy of the approved extension to this ferm.

Bee ee
Use 1 (a) Name of pian sponsor (employer, if for a single employer plan) 1 (b) Employer identification number
<o Name of Association O Association Employer ID

'e) Others | Address (number and street) 1 (c) Telephone number of sponsor
wise, Strect Address of Association & ( )

a City or town, State and ZIP code  —s—i ; 1 (d) If plan year changed since !tast
or type. State and Zip Code of Assocation b return/report, check here ro
2 (a) Name of plan administrator (if same as plan sponsor enter “Same’’) 1 (e) Business code number
Young Women's Christian Asscciation Retirtment Fund,Ilyc. (PS y 9319

2 (b) Administrator's employer identification no.
13: 2903440

City or town, State and ZIP code 2 (c) Telephone number of administrator
New York, N. Y.-10010 212 ( €86 ) 8630

3 Is the name, address and identification number of plan.sponsor and/or plan administrator the same as they appeared on the !ast

Address (number and street)
x 1 Madison Avenue.

K return/report filed for this plan? MM Yes [] No. If “No,” enter the information from the last return/report in (a) and/or (b).
(a) Sponsor Pm a2... ---nnenenceenn nen eeceneceeennceececeseeeseeeenennenneeensssseessreensnnnecennessaneesnssssnsanernenees secneneetn ee nneascnnss mee mm
(b) Administrator >
4 Check box to indicate the type of plan entity (check only one box): (c) ([] Multiempioyer plan
} (a) C) Single-employer plan (d) Multiple-employer-collectively-barge.red plan

Multiple-employer plan (other)

(b) (| Plan of controlled group of corporations or common control employers (e)

5 (b) net pate of plan

5 (c) Enter’ three-digit | 0:0 l
plan number Pp ! . ‘

(i) ((} Health insurance

h

ee ee ee 8 ed OS SOS SF 6 SSS OSES FEBS SE BES SSBE SEE SEBDESD BE BBBB EBD OPPO SO ODO D seeesensoon eowoaeeewsreoeeee

6 Check at least one item in (a) or (b) and applicabie items in (c): (a) Welfare benefit plan:

(ii} [1] Life insurance (iii) [) Supplemental unemployment (iv) [[] Other (specify) P>..........--—----
(b) Pension benefit plan: (i) Defined benefit plan—(Indicate type of defined benefit plan below): ———————EE7=
I (A) CJ Fixed benefit (8) C] Unit benefit (C) [J Flat benefit (D) [ Other (specify) B...........-~....

SSSES 6 S 6 OS SSSES © SSSSSE 44S GSSSE FEES BOS OSD SBS & @ @OBDBDBOOOe

PO SS OS SSSSSSSSESES SE ESSESS S EF BBEBE ESSE EEE SBOE DESE EEF BBEEEADEFBDAAGAOAEGEBD OOH He eee ee eee oes

(ii) Defined contribution plan—{Indicate type of defined contribution plan below): .
(A) [) Profit-sharing (B) [] Stock bonus — (C) [] Target benefit (D) [X] Other money purchase

(E) [] Other (specify) » sc ssisilassceeecaanstalientbesiosticinmncieemtannrticnadatanedetbetiadeddiesediinedsi“=-5 ama
(ii) Defined benefit plan with benefits based partly on balance of separate account of participant (Code section 414(k))
(iv) (() Annuity arrangement of a certain exempt organization (Code section 403(b)(1))
(v) [(] Custodial account for regulated investment company stock (Code section 403(b)(7))

(vi) C] Pension plan utilizing iridividual retirement accounts or annuities (described in Code section 408) as the s'e fund:
ing vehicle for providing benefits

(vii) [7] Other (specify) eel eeeeetececeeeeeseeeeececcneeceeesesssssceneeees

Under penalties of perjury and other penaities set forth in the instructions, | deciare that | have examined this report, including acco ™pamying
schedules and statements, and to the best of my knowledge and belie? it is true, correct, and complete.

SSS SSS SSE 6 ESTE DH OBDES

O Date > eee Signature of employer/plan sponsor >» Pe ee
NA Date ee Signature of plan administrator >
For Paperwork Reduction Act Notice, see page 1 of the Instructions. 71455]

3385-16 [Form 5500-C] | 182 1.83

Form 5500-C (1982) Page 2
6 (c) Other pian features: (i) (} Thrift-savings (ii) [1] Keogh (H.R. 10) plan
(iii) [1] Pension plans maintained outside the United States (see instructions) (iv) [-] Participant-directed account plan
0 ee =
NA (d) Single employer plans enter the tax year end of the employer in which this plan year ends > Month Day Year
(e) Is this a pension plan of an affiliated service group?. . © 2. 1 1 1 we we we ww ew ee LY YS No
(f) Does this plan contain a cash or deferred arrangement described in Code section 401(k)?. No

7 (a) Total participants (i) Beginning of plan year Pee (ii) End of plan year Pp... Yes | No
N (b) (i) Was any pension benefit plan participant(s) separated from service with a deferred vested benefit for which |

a Schedule SSA (Form 5500) is required to be attached?. . . ..... 4.6 6 6 © «© es
(ii) If “Yes,” enter the number of separated participants required tobe reported. . . . >» YW: Yj;

8 Plan amendment information (welfare plans do NOT complete (b)(ii)): |
(a) Were any plan amendments to this plan adopted since the end of the plan year covered by the last return/report
Form 5500, 5500-—C or 5500-K which was filed for this plan (or during this plan year if this is the initial return/

report)? ww ee J
(b) If “Yes,” (i) And if any amendments have resulted in a change in the information contained in a summary plan Y Yy
description or previously furnished summary description of modifications: . Yy UY
y A (A) Have summary descriptions of the changes been sent to participants?. . . . ....... |

(B) Have summary descriptions of the changes been filed with DOL?. .
(ii) Does any such amendment result in the reduction of the accrued benefit of any participant under the plan? . |

° (c) Enter the date the most recent amendment was adcpted. . pj» Month................ Day.......2...... Year... 0.2... YAM
(d) (i) Has a summary plan description been filed with DOL forthis plan?. . . . . . . we ee ee | |

(ii) If (i) is ‘“Yes,’’ what was the employer identification number and the plan number used to identify it? YY Yy

Employer identification number > Plan number >> Yj Wy

9 ‘Pian termination information:
(a) Was this plan terminated during this plan year or any prior plan year?. . . 1. ew ew ew ew ll ww oF
(b) If ‘‘Yes,’’ were all trust assets either distributed to participants or beneficiaries, transferred to another plan or
x brought.under the control of PBGC?. . ......%8.484.. , : x « .

(c) If (a) is ‘Yes’ and the plan is covered by PBGC, is the plan continuing to file a PBGC Form 1 and pay premiums
until the end of the plan year in which assets are distributed or brought under the control of PBGC?.

10 (a) Was this plan merged or consolidated into another plan, or were assets or liabilities transferred to another plan
since the end of the plan year covered by the last return/report Form 5500, 5500—C or 5500—K which was filed

NA for this plan (cr during this plan year if this is the initial return/report)? . << % © m © SW © © demmpmeme tees
lf “Yes,” identify other plan(s): (c) Employer identification number(s) | (d) Plan number(s)
Se ee |

(eo) Has Form 3310 been filed?. . «© «© »© «© «© s# »© © «© © ww * © © © * » © © lhl [] Yes [fj No

1l Indicate funding arrangement:

NA (a) (J Trust (b) (J Fully insured (¢) [] Combination (d) [] Other (specify) ms eeesesesis
(e) If (b) or (c) is checked, enter the number of Schedules A (Form 5500) which are attached. . i

12 (a) Is the plan covered under the Pension Benefit Guaranty Corporation termination insurance program? . (_] Yes (_] No C] Not determined

(b) If (a) is “Yes,” or “Not determined,” enter the employer identification number and the plan number used to identify it. Employer
N A identification number PB _____..... ee. Plan number >

COC CS OOS EERO TESS SHS eaeeecaeeeeeseeeesea:

_ 13 Complete both (a) and (b): |
(a) Is the plan insured by a fidelity bond?. . . . . . . 2 «© «© «© © et ew ew ee le kw lk lk kkk

(i) If “Yes,’’ enter name of surety company p> |. Y
NA (ii) Amount of bond coverage Pm eect e ence eee ee cence eeenen een e cece cc eee ec cece ceccnececucececccee. Y)

(b) Was any loss discovered since the last return/report Form 5500, 5500—C or 5500-K was filed for this plan (or |
during this plan year if this is the initial return/report)’ .

14 (a) If this is a defined benefit plan, is it subject to the minimum funding standards for this plan year?. . . . . | | _

If “Yes,” attach Schedule B (Form 5500). : ty ji,
| (b) If this is a defined contribution plan, i.e., money purchase or target benefit, is it subject to the minimum funding |\W“4|”"_ 7

standards (if a waiver was granted, see instructions)?. . . .« « «© « «© «© © « «© «© « +6
é 4, SELNG Sy,
lf “Yes,” complete (i), (ii) and (iii) below: | Yyyy
N iN (i) Amount of employer contribution required forthe plan year. . . ... . > Y Uy,
L;

Soon /

WN

(ii) Amount of contribution paid by the employer forthe plan year. . . . . . By a rae Yi
Enter date of last payment by employer > Month............ Day............ Year............ Uddddidldddililda 7 , Z
(iii) If (i) is greater than (ii) subtract (ii) from (i) and enter the funding deficiency WYyg\e: g
here, Otherwise enter zero. (If you have a funding deficiency, file Form 5330.) . $ YYWING 4

WA

HA

182 1-83 : [Form 5500-C] 3385-17

Form 5500-C (1982) | Page 3

15 Plan assets and liabilities at the beginning and the end of the current plan year (list all assets and liabilities at current
value). A fully insured welfare plan or a pension plan with no trust and which is funded entirely by allocated insurance
contracts which fully guarantee the amount of benefit payments should check the box and not complete this item. . . . >» TY

Note: Include all plan assets and liabilities of a trust or separately maintained fund. If more than one trust/fund, report on a
combined basis. Include all insurance values except for the value of that portion of an allocated insurance contract which
fully pg So ane amount of benefit payments. Round off amounts to nearest dollar. If you have no assets to report enter
a on ine g).

Assets a. Beginning of year b. End of year

(a) Cash— | Vda Ml

BB i re a ee a eee |
(ii) Non-interest bearing. . . . « « © © © © © © © © © © 8 «
ee
ep OCMVEOME 2s sts te th tc ehh hUmhhUr hc hUh Ch hh hur hlUurhlUrhlUchlUrhlUm lu CU
(c) Investments— |
(i) Government securities . . . . 6 © «© « «© © © © © « © © «@
(ii) Pooled funds/mutual funds. . . . «© «© «© «© «© © © © © © @ «
(iii) Corporate (debt and equity instruments). . . . . 2. 2. «© «© © « «
(iv) Value of interest in master trust. . . 2. 2 2 «© 2 «© © © © ©
(v) Real estate and mortgages ....... ce © «© « «© « &£ « »«
Gers ws 2s se we wee hl hl lUcrlUrl Uhl a hUrehlUhehlUmrhlUhehlUh lh CU
(vii) Total investments. . . «© . 2 6 6 ew ew tw tl ltl ltl lel lt lel
(d) Buildings and other depreciable property used in planoperation . . . .. .
(e) Unallocated insurance contracts. . . . + «© « « «© © © © © «© « «
) OCOMr esses 6 cs st te st te Hh tT Cae oe we were eh hue hl thle le
(g) Total assets (add (a)(iii); (b); (c)(vii); (d); (e) and (f)) .
Liabilities and Net assets
iB ee ee ee

(i) Acquisition indebtedness . 2. 2. 1. 1 1 we ew ew we ee ee
(jf) Other liabilities . . «© « «© © © © © © © © © &© © © © © © e@ e@
(k) Total liabilities (add (h) through (j)). . . . 2. 2. 6 ee ew ew ew ee
(1) Net assets (subtract (k) from (g)). ‘

16 Plan income, expenses and changes in net assets during the plan year. Include all income and expense of a trust(s) or separately
maintained fund(s) including any payments made for allocated insurance contracts. Round off amounts to nearest dollar.

(a) Contributions received or receivable in cash from— | a. Amount b. Total

@ Salone) Sey aE “ eeehameeen individuals) | V7 77

(iii) Others « “ ° e « © ™ . . e ° . 2 x * . 2 ’ .

(b) Noncash contributions . . . 2. .« « «© «© «© © © © © « « o 8 Yy

(c) Earnings from investments (interest, dividends, rents, royalties). . . .. . D

(d) Net realized gain (loss) on sale or exchange of assets. . . . . 1 ew ew

(e) Other income (specify) Be

(f) Total income (add (a) through (e)). . . . 1. ew ww ew et ee wk _
(g) Distribution of benefits and payments to provide benefits— Yj

(i) Directly to participants or their beneficianes. . . ....
(ii) To insurance carrier or similar organization for provision of benefits (including
prepaid medical plans) . "f+ © .— ©. 2. © we Ss
(iii) To other organizations or individuals providing welfare benefits. . . .
(h) Interest expense. . . «© «© © © © «© © « © © 0-0 ec « 6 «
(i) Administrative expenses (salaries, fees, commissions, insurance premiums) .
(j) Other expenses (specify) p> ee /
(k) Total expenses (add (g) through (j)) . . . . . «© © © © «© © © 2
(I) Net income (subtract (k) from (f)). . . . . 1. 6 «© © © «© © ew
(m) Changes in net assets—
(i) Unrealized appreciation (depreciation) of assets . . . . ws se ew
(ii) Net investment gain (or loss) from all master trust investment accounts. .
CU) CRRnmr ERAT CRIT): OM aicercccrcerrer rene siiscenscisnsadttbasicneneratteewetamamnngneens
(n) Net increase (decrease) in net assets for the year (add (Il) and(m)). . . .
(0) Net assets at beginning of year (line 15(1), column a). . . 2. 2 0 te et te tw tw wl

(p) Net assets at end of year (add (n) and (0)) (equals line 15(1), column b). .

(1 1455]

HA

A

NA

NA

3385-18

Form 5500-C (1982)

[Form 5500-C]

182 1-83

17 As of the end of the plan year:

NIA

18 Since the end of the plan year covered by the last return/report Form 5500, 5500-C or 5500—K which was filed for

23 Give the name and address of each fiduciary (including trustees) tothe plan

(a) What percentage of plan assets are loaned to a party-in-interest?, 2 2. 2 1 6 © © «© © ©

(b) What percentage of plan assets are invested in securities issued by a party-in- interest? . » a's we 8
(c) What percentage of plan assets are invested in real estate which is leased by a party-in-interest? .

this plan (or during this plan year if this is the initial return/report):

(a) Has there been a termination in the appointment of any trustee, accountant, insurance carrier, enrolled actuary,
administrator, investment manager or custodian? . . . . .« «© «© «© «© © © © © © © © #© © «@
If “Yes,”’ explain and include the name, position, address and telephone number of the person —— appointment |G

has been terminated Pm... eee eee cee enc ee eee cece en ecccccecc ene ceccecce ccc ececeeeencneee a

esceezenaecoeorncowseeoere O22 © @ 2 OS O82 2B SOSS4 SCSCEOTSTS SCL OF 4£E4 CTO SEC 4 6 OTE 277884888 © CBVB“*MOSBZBAESCSOBPALA**ZSFSVSCEFe Oe TT ed ecececeeces SS SSS4 6 6264 SEBO BSHSTHOOO

(b) Has the plan used the services of a contract administrator?. . . . 1 6 6 © 8 ee ww ee

If “Yes,”’ enter the contract administrator's name and employer identification number (see instructions) P»....... Yy G

ewe r2,evz2 eeoerean eee eo 2288 66282 @O 2 CO OBES COSBSEES 2 482 CO 8 OH OO EO O46 HOS AOSD SE @ © 6 OS OO 8228S OSE SSE SO BBETS SC FC 8 BS BO OO £8 SSE SF OO CBSE SG FC SFSSESSPFSAG*V“A**SISFVIS*GSSAESs osescesxeeceesee" s+

(c) Indicate the amount of the plan’s administrative expenses for the:

C1) Pracadling year JP Qacceccccscsiiccnccceicnccssvsancss ---» (ii) Second preceding year > $.. ee ae

(d) Have any insurance policies or annuities been replaced? . .
(e) Was the plan funded with:

19 Since the end of the plan year covered by the last return/report Form 5500, 5500-C or sii which was filed for yy: aly ; Z

this plan (or during this plan year if this is the initial return/report):

(a) Other than transactions described in the exceptions outlined in the instructions, were there any transactions,
directly or indirectly, between the plan and a party-in-interest?. . . 2. 2. «© «© «© © «© 2© © «© « «
If “Yes,'’ see specific instructions.

(b) Has the plan granted an extension on any loan for which, before the granting of 3 an extension, it has not received
all the principal and interest payments due under the terms of the loan?. . . 2. «© «© 6 © «© «© «©

(c) Has the plan granted an extension of time or renewal for the payment of any obligation owed to it which amounts
to more than 10% of the plan assets?. . . . . . . «6 «© «© «© « «

20 As of the end of any plan year since the end of the plan year covered by the last return/report, Form 5500, 5500—C or Ypsiez 4. 7

5500—K which was filed for this plan (or as of the end of this plan year if this is the initial return/ report):
(a) Did the plan have investments of the type reportable under item 15(c){v) or (vi) which in the aggregate in either

category exceeded 15% of plan assets?. . © © 2 2 © © © © © © © © ew we ew we ew

(b) Did the plan have loans outstanding or investments in a single enterprise (other than the United States Govern-
ment) which exceeded 15% of plan assets?. . . . «© «© © © «© © «© «© © «© © «© «© © © «© 2

21 Ouring the plan year covered by this return:

(a) Did any plan fiduciary who is an officer or an employee of the plan sponsor receive compensation from the plan
for his or her services to the plan?. . «© 2 «© © © © © © © © © © © © © © we ew

(b) Did the plan acquire any qualifying employer security or qualifying employer real property, when immediately
_after such acquisition the aggregate fair market value of employer securities and employer real property held by
the plan exceeded 10% of the fair market value of the plan assets?. . 1. . «© © © «© «© © © «© «© «

(c) Has any plan fiduciary had either a financial interest worth more than $1,000 in any party providing services to
the plan or received anything of value from any party providing servicestothe plan?. . . 2. «© «© © « «

(d) Has any employer owed the plan contributions which were more than three months past due under the terms of
the plan? .. «© » ws we we ee we we hlhhlcthlUhhlUc hlUrhlUhhlUmhhlUmrhlUr hhh hU!hlUcrhlUh hUrhUcrhUrhUhMhUrhlUhrhUhFhlU

(e) Were any loans by the plan or fixed income obligations due the plan in default as of the close of the plan year,

or classified as uncollectable? . ... . o*= © *@ & & ‘ a oe oe ee oe ee
(f) Were any leases to which the plan was a party in default or classified as uncollectable? . “m4

A 22 Who is the plan’s designated agent for legal process?

[7 1455]

(i) (_] Individual policies or annuities (ii) oO Group policies or annuities * (iii) = Both a

Page 4

AG

.
%

Yes | No

WAG
XS
SSS

= WK
NA
ib Sis,
SA Ot

SN

Ut t fy rs 44, P
Udi lts 1 +14 wy

Yl 4, “ ry

Z
Yy
YE

|

| ———|———

| |

|
\
|
\

ewccweccccceecooeccnccwcccccccoccccocccscecscocccccse- ae 4

‘Ae

4

o 0 6 6S 6 OS BSS 6 OSE 6S FS SFOS SSESBSES OBESE FB BEBE E SBOE ES EOS EE OS OEE FC OBESE BEES EES SSEEOOTSTCSOEE SOOO OOS ° ‘ i Z

8 56 6 0S OSS SSF ESSE SK 6 66 SS FOSS SES OSS SOS SBBES OBESE SBS SF OSS SES BOS EFS SESE SOS SESE BEDODD DODD LLDD DDD DD BEDE DDO D DEDEDE SDE ES SS OS SO Oe ee CES ‘4 : Z
5 a2 . ie

ESD SE oo OOOO BO © 8 6 286 OSE S OSS @ CO OO SS OS 6 08 2 © BS SS 8 PUSS @ 4 8S SEBO OS 8 OSES OSS BB OS S24 CE SF SS OO OSE TSHSOETGSEGEWTHSAST TESTO TT Sem + Viz, ” ZL,
Yip ral WB

SSO 660 Oe © 0 eo 6 0 88S 6 © 6 0666 6 050.0596 09088 099.0056 0.6 68 05555 685 0828 SE OS FF BS OS FOSS S CSS BS SS F FOSS FOES OS SEBS SSS CBOSS S 6 8 SSS SOS SS SSS SSSESS SS OOOO OOOH WYL:, i Yb
00S S08 00 Oe 6 08 60 0 86 00 6 6 0806 0 6 6 0806 00808 8 00.8 6 68 58 0526 6 6 oo 6 SOE SS 6 8 OSS FSS S GOSS SOS OS SSBB SE BS OS BSS 2S COBDS 8 OSS OS SO BSS S88 SS SSS S888 5S FOSS SORTS OO = “ae LA , Wy
pypiyn » GE

onececwne ewer eco ew ee on ces eee 00 e e020 00 oe en te eeee me eee en 0 0 20 09 0 8 0 S08 6 6 88 88S OS O88 OOS SSS SESS 8 O85 99 6 FOS 8088 COS SS 6 0 88 SS 85S OSS 8 SOS DESEO CCB R SESH SS owee Ul Y we
ty. Yyp

ewww ewes coe ee eee ous. 21a seen eceees cows e ee cee secces o ce cece 6 2208 0 022830 00ee oee eww + twee en 2 ee ee wee ewe 0 wo ewww seem eo wwe 4 tee wa ewe oe es YZVYy

typ. “ey

NA

182 1.83 [Form 5500-C] eles | 3385-19

Form 5500-C (1982) -_ | 7 Pare 5

24 Is this plan an adoption of any of the plans below? (if “Yes,” check appropriate box and enter IRS serial number): Yes | No
(a) [Tj Master/prototype, (b) ["} Field prototype, (c) ["] Pattern, (d) =) Model pian, or (e) [_] Bond purchase plan? .
Enter the four or eight digit IRS serial number (see instructions) . > Ys WI:

25 (a) Is this plan integrated with social security?. . . 6 « » « -« coe es |
(b) Is it intended that this plan qualify under Code section 401(a) or 405? . © 8 © «© we ee 8
(c) If (b) is “Yes,” have you received a determination letter from the IRS forthis plan?. . . . . 1. we ew

(d) Does the employer/sponsor listed in item 1(a) of this form maintain other qualified pension benefit plans? .
if ““Yes,”’ list the number of plans including this pian b>» ZU

26 Information about employees of employer at end of the pian year.

(a) Does the plan satisfy the percentage tests of Code section Liat Rat if “No,” complete only (b) below and Y),
_ see Specific instructions): X

(b) Total number of employees. .°. . 1. «© © «© «© © © © © © © © © © «© 6 ee
(c) Number of employees excluded under the plan because of: (i) minimum age or years of service .
(ii) employees on whose behalf retirement benefits were the subject of collective bargaining .

(iii) nonresident aliens who receive no earned income from United States sources.
(iv) Total excluded (add (i), (ii) and (iii)). 2. 2 2 «© © © te tw tw tw ltl tl tl tlt lt

(d) Total number of employees not excluded (subtract (c)(iv) from (b)). oe © © Mw ew fw
(e) Employees ineligible Kepanity reason) >»

POSS SF OF OS SHOVES OO GHODBDS O SDS @ @ © OOVSS ©6402 6488086066 POS CS SS SOSS S64 SSE SE ESSSESEO SOE:

PPPS SOS OS 6 OSS SESS SS SES SSSSS GOS SSOOOE SSS POSS OSS © SES © © 6 SHE SSESESSEES FS OHS OBES SH*ASERE @ 2 SSS FS SSS S @SBFDO*GOG*®SD@&aoae OO SSS SSSS SE46 © 42 2ESES6868000

(f) Employees eligible to participate (subtract (e) from (d)). . . . .

(g) Employees eligible but not participating. . . . . . 2. ee
(h) Employees participating (subtract (g) from (f)) .

| Check
27 Vesting (check only one box to indicate the vesting provisions of the plan): (V)
(a) Full and immediate vesting, or full vesting within 3 years. 2. . 1 1 1 ew ew te te ew tw tw wt tw kl
(b) No vesting in years 1 through 9, and full vesting after the 10th year of service. . . . .. 4... we.
(c) For each year of employment, beginning with the 4th year, vesting equal to 40% after 4 years of service,
5% additional for the next 2 years, and 10% additional for each of the next 5 YOR. «© ws & we se © +
(d) 100% vesting within 5 years after contributions are made (class year planonly). . . .. . . « 6 e :
(e) Other vesting... ss ee
Yes | No

28 (a) Did the employer receive plan assets (including a return of contributions) since the last return/report Form 5500,
5500-C or 5500-K which was filed for this plan (or during this plan year if this is the initial return/report)? .
(b) If this is a defined benefit plan whici provides for annual, automatic increases in the maximum dollar limitations

under Code section 415, does the pian provide that any such increase is effective no earlier than the calendar year
for which IRS determines that increase under Code section 415(d)? .

(c) Is this a plan with Employee Stock Ownership Pian (ESOP) features?. . se © «@

(i) If “Yes,” was a current appraisal of the value of the stock made immediately before any contribution of

stock or purchase of the stock by the trust for the plan year covered tale this return/report? .
(ii) If (i) is “Yes,” was the appraisal made by an unrelated third party? .

Because of central maintenance of vesting records, this information is not
available on the basis of individual participating employers. The total number.
of participants in this Plan as of the end of the 1981-1982 plan year was 4867.
The total number of participants in this Plan as of the end of the 1982-1983

plan year was 5203. The total numb ict s who separated from service
without full vesting* during 1982- 19 gee Hex Bagels 5 ab 21]

plan year was 179.

[$1455] ~

-

PLAN SPONSOR FISCAL YEAR BEGINNING January 1 1983, ENDING December 3] 1983
rom 99O0O0-R Registration Statement of Employee Benefit Plan

Department of the Treasury (With fewer than 100 participants)

Internal Revenue Service
This form is required to be filed under sections 104 and 4065 of the
Employee Retirement Income Security Act of 1974 and section
6058 of the Internal Revenue Code.

OMB No. 1210-0016

1983

Amended [ | -

This Form Is Open
to Public Inspection

Department of Labor
Pension and Welfare Benefit Programs

Pension Benefit Guaranty Corporation

For the calendar plan year 1983 or fiscal plan year beginning September 1, 1983, and ending August 3] ,1984 .

Caution: A penalty of $25 a day for the late filing of this return/report will be assessed unless reascnable cause is established—see
General Instruction E.

Do NOT file this form for the plan's first year or for the plan’s final return/report. Instead file applicable Form 5500-C or Form 5500-K.
(See instruction B.)

P If you have been granted an extension of time to file this form, you must attach a copy of the approved extension to this form.
pm Type or complete in ink and file the original. If any item does not apply, enter “N/A.”

Use 1 (a) "Name of plan sponsor (employer. if for a single employer plan) 1 (b) Employer identification number
IRS Oung Women's Christian Association of Albany 14 |) 1340017
ml | Address (number and street) 1 (c) Sponsor's telephone number
eal ‘se ee ( Sg ) 2 £4028
print u or town, State and ZIP code 1 (d) Thistorm is filed instead o
Alba
ar type. ny, New York 12206 Ed 5500-C 0) 5500-K _
2 (a) Nameof plan administrator (if same as plan sponsor, enter ‘‘Same’’) 1 (e) If plan year changed since last
Board of Trustees, YWCA Retirement Fund, Inc. retum/report, check seas Ni
Address (number and street) D) Administrator s employer identitication no,
One Madison Avenue _ _ 13 | 2903440 a
City ¢ or town, State and ZIP code 2 (c) Administrator's telephone number
New York, New York 10010 ee ( 212 ) 686-8630
3 Is the name, address and identification number of the plan sponsor and/or plan administrator the same as they appeared on the last
return/report filed forthisplan? . . . 1... ee. ite 4 eee ee es K Yes UD No

If No,” enter the information from the last return/report in (a) ers N/A
(a) Sponsor

_ (b) Administrator >

-——

se

4 (a> (i) Name of plan > The Young Women's Christian

Association Retirement Fund, Incorporated

(ii) CO Check if name of plan changed since ae return/report.

—

5 Type of plan:
(a) O Defined benefit

(b) &] Defined contribution (money purchase or profit-sharing)

(c) CO Welfare benefit
(d) LJ Other (specify) >

6 Plan information:

(a) Was this plan terminated during this plan year or any prior plan year?

(b) If(a)is ‘'Yes,”’ were all trust assets distributed to participants or beneficiaries, — to another plan, or brought
under the control of PBGC?.

(c) Was this plan amended during this plan year to reduce any participant's accrued benefits? Bs . 2. 2 8
(d) If this is a defined benefit plan or a defined contribution plan subject to the minimum funding standards, fas the plan

experienced a funding deficiency for this plan year (defined benefit plans, attach Schedule B (Form 5500))?
(e) If (d) is ‘'Yes,'’ have you filed Form 5330 to pay the excise tax? .

(f) Is this plan covered under the Pension Benefit Guaranty Corporation termination

insurance program? . oo ee en ee ew ep yp a . . . . Yes & No O Not determined
See back of form for additional questions.

An scaacnaemamenremeteemmenensanmemresiamecnsmemmmnmmsmmmmntiiisiaiigeamaiamaaaaa
Under penalties of perjury and other penalties set forth in the instructions, | declare that | have examined this report, including accompanying schedules and statements,
and to the best of my knowledge and belief it is true, correct and complete.

Date > 3 EE ° Signature of employer/plan sponsor Janeh (6 . / J ara oti || [tO Kee ahve. is NLS Vr

Date > N/A Signature of plan administrator > N/A

For Paperwork Reduction Act Notice, see page 1 of Form 5500-C or Form 5500-K Instructions. Form 5500-R (1983)

Form 5500-R (1983) Page 2
6 Plan information: (continued) No
(g) Total participants: ===
(i) Beginningofplanyear . . . . . ee ee ee ee ee NSA ==
(ii) Endofplanyear. . . . . ee ee ee ee ee ee NVA ==
(h) If plan benefits were provided by an insurance company, insurance service or similar organization, enter the number of ==
Schedules A(Form 5500) attached . .. . : .. N/A a

5500) is requiredtobeattached?. . ......,..~. — a ae a oe
(ii) If “Yes,” ersten Gre tuner ef saparatednarticinarts sequiradte be receded, 7 ae N/A

(J) If 6(a) is ‘‘Yes’’ and the plan is covered by PBGC, is the plan continuing to file a PBGC Form 1 and pay premiums until
the end of the plan year in which assets are distributed or brought under the control of PBGC?.
7 Fiduciary information during this plan year:

(a) Did any plan fiduciary who is an officer.or employee of the plan sponsor receive compensation from the plan for his or NAA
MereermcestotmepiAr . «si tlk thc huh hc Hh eT eH eH eRe hee Hh hh huh hUr hm hum Rh RhU lh

(b) Did the plan acquire any qualifying employer security or qualifying employer real property, when immediately after
such acquisition the aggregate fair market value of employer securities and employer real property held by the plan

(I) (i) Was any participant(s) separated from service with a defaced vested benefit for which a Schedule SSA (Form
aS
N

exceeded 10% of the fair market value ofthe planassets? . . . 2. 1. 1 1 we ee NAA
(c) Did the plan receive any non-cash contributions? . . . a, toe eae . LNAA
(d) Has any plan fiduciary had either a financial interest _— more than $1, 000 i in any sai providing services to iia

plan or received anything of value from any party providingservicestotheplan? . ...... ce we @ & N/A
(e) Has any employer owed the plan contributions which were more than three months past due under the terms of the j

ccc EA

(f) Were any loans the plan made or fixed income obligations due the plan in default as of the end of the plan year, or

classified as uncollectable? N/A
(g) Were any leases to which the plan was a party in default or classified as uncollectable? . . . . ......~:. N/
(h) Party-in-interest information: ————
(i) Did the plan lend assets to, borrow from, or guarantee any indebtedness of a party-in-interest? N/
(ii) Has the plan purchased any assets from or sold any assets toa party-in-interest?. . . . . . . 0.
(iii) Has the plan leased property to or from a party-in-interest? . sh

» U.S.GPO:1983-0-390-271  E.1. #430814328

The Young Womens Christian
Association Retirement Fund Inc.

One Madison Avenue

New York NY 10010 March 8, 1985
212 686 8630

TO; Executive Directors of Participating Associations

FROM: William’C. Witherspoon, Controller

SUBJECT:/Internal Revenue Service - Form 5500
\This Year's Filing Date: On or before March 31, 1985

ie
poet

etd ane _
aaa

a
cnnecenaeeee aE

All Participating Associations of the YWCA Retirement Fund must file, on an
annual basis, FORM 5500. The following information is provided to assist you
with this filing:

All Participating Associations Must File

—— oe

You must file annually even if you have no active participants
during the year which is being reported.

Cycle of Filing

Filing dates are related to the Plan Year of the Fund, not to the
fiscal year of the Participating Association.

There are two different forms: 5500-C and 5500-R. The form to be

used will depend on the filing year. Each year the Fund will advise
you about which form is to be filed.

Filing Dates

Each year you must file on or before the last day of the 7th month
following the close of the Fund's fiscal year.

The Fund's fiscal year is:

September 1 through August 3l.

The filing date for all Participating Associations is March 3l.

This Year's FORM and Filing Date

This year you must file FORM 5500-R. The Form is marked 1983. Ie

Pd
It covers the Fund's fiscal year September 1, 1983 - August 31, 5
1984. f

4

The filing date for your 1983 Form 5500-R is on or before: \
March 31, 1985 —

Po d

Contimed =...

Completing Your FORM

oe: The FORM which you need to complete this year is enclosed. Please
/ note that this is not a SAMPLE form. It is the form which you will
need to complete and file.

<4 We have already entered the information that is to be provided by
“\ the Fund. You will need to provide answers for all of the items
)marked with an X, as follows:

°At the top of page one, fill in the dates of your fiscal year.
“Item l(a) Association Name and Address.

“Item 1(b) Your Employer Identification Number.

°Item l(c) Your phone number.

°Your Signature and Date.

Please note that some sections are already filled in with N/A.
This means that these sections are Not Applicable.

Mailing the FORM

~ .

Mail your completed form directly to the Internal Revenue Service.
Be sure to keep a copy for your files.

In addition, please send a copy to the Fund at the time you mail 5 S/af

your Form to the IRS.

Questions - Additional Information

If you have any questions about the procedures to be followed,
please let us know.

Telephone for Controller's Office: 212/686-8747

WCW: cb
Enclosure: FORM 5500-R

€

er nuary 1 ; December 31,1984
Plan Sponsor Fiscal Year Beginning ‘* __, 1984, Ending ma

rom DIOO-R

Department of the Treasury
Internal Revenue Service

OMB No. 1210-0016

1984

Amended [

This Form is Open
to Public Inspection

gust 3] 19

—__— —

Registration Statement of Employee Benefit Plan
(With fewer than 100 participants)

This form is required to be filed under sections 104 and 4065 of the
Employee Retirement Income Security Act of 1974 and section
6058 of the Internal Revenue Code.

—

Department of Labor
Pension and Welfare Benefit Programs

Pension Benefit Guaranty Corporation

For the calendar plan year 1984 or fiscal plan year beginning September 1

. 1984, and ending u

Caution: A penalty of $25 a day for the late filing of this return/report will be assessed unless reasonable cause is established—see

General Instruction E.
Do NOT file this form for the plan's first year or for the plan's final return/report. Instead file Form 9500-C. (See instruction B.)

> If you have been granted an extension of time to file this form, you must attach a copy of the approved extension to this form.
> Type or complete in ink and file the original. If any item does not apply, enter “N/A.”

ee

Use 1 (a) Name of plan sponsor (employer, if fora single employer plan) 1 (b) Employer identification number

IRS Young Women's Christian Association of the City 14 :1340017 X
Othe Of AWURADYmbaGnd street) 1 (c) Sponsor's telephone number
wise, 28 Colvin Avenue | ( 518 4386608 X
= City or town, State and ZIP code _ | 1 (d) This form is filed instead of

or type. Albany, NY 12206 5500-C __[)_5500-K

2 (a) 1 (e) If plan year changed since last

return/report, check here N/A

Name of plan administrator (if same as plan sponsor, enter ‘‘Same"’)
Retirement Fund, Inc.

Address (number and street) (b) Administrator's employer identification no.

is Badia Komen | 13} 2903440. oe
City or town, State and ZIP code 2 (c) Administrator's telephone number
1 | 212 686-8630

10 ( )
3 Is the name, address and identification number of the plan sponsor and/or plan administrator the same as they appeared on the last
return/report filed forthisplan?. 2. 2... oe ww we). BR) Yes ONo
If “No,” enter the information from the last return/report in (a) and/or (b). N/A
(a) Sponsor's name wm ono e ce cece cece ee ceecececee eee ccccecec co. ee
(b) Administrator's name Bm oe... eee eee eee eee EN ncrccemans ie aiSerenisensetiitliine teecaceecsnseesescere
(c) If (a) is completed, is this a change in sponsorship only? (See specific instructions for definition of
sponsorship.). _| Yes |_| Ne

(1)(_)_Check this box if this is a Keogh (H.R. 10) plan. 4 (c) Enter three-digit plan number p 0:01
5 “Type of plan:
(a) (J Defined benefit

(b) &) Defined contribution (money purchase or profit-sharing)

(c) (CJ Welfare benefit
__(d) [) Other (specify) >

Ri ee a © vo
6 Plan information: | Yes | No
(a) Was this plan terminated during this plan year or any prior plan year?

(b) If(a)is ‘‘Yes,”’ were all trust assets distributed to participants or beneficiaries, transferred to another plan, or brought
underthecontrolofPBGC?. . 2. 2 2... ee eS) (5

(c) Was this plan amended during this plan year to reduce any participant's accrued benefits? (8 & &m @w wh N/A
(d) If this is a defined benefit plan or a defined contribution plan subject to the minimum funding standards, has the plan

experienced a funding deficiency for this plan year (defined benefit plans, attach Schedule B (Form 5500))? . |. | N/A
(e) If (d) is ‘‘Yes,"’ have you filed Form 5330 to paytheexcisetax?.. . . . . . . . . ;/:. « b & - | N/A
(f) Is this plan covered under the Pension Benefit Guaranty Corporation termination

insurance program? . sth ee ee ew ee ew ew ew ww.) . OD Yes RI No DONot determined

See back of form for additional questions.

ge net ; CO er tone |daciare Qe. . . . -
Under penalties of perjury and other penalties set forth in the instructions, | declare that | have examined this report, including accompanying schedules and statements,

and to the best of my knowledge and belief it is true, correct and complete.

% > CO ,* : * 9 oe ; a |
Date ® __ 3 ELL Gn. cece Signature of employer/plan sponsor > ii vers aa, hat» LA COLLE 0? 7 LE KOC SOL x

Date > N/A Signature of plan administrator > N/A
For Paperwork Reduction Act Notice, see page 1 of Form 5500-C instructions. Form 5500-R (1984)

Form 5500-R (1984) Page 2

6 Plan information: (continued) c No
(g) Total participants:
(i) Beginningofplanyear . . . . 2... ee eee ee N/A a
(ii) Endofplanyear . . . 2. we ee ee ee ee N/A
(h) If plan benefits were provided by an insurance company, insurance service or similar organization, enter the number of
SchedulesA(Form5500)attached . . . . . .... DL N/A _

(i) (i) Was any participant(s) separated from service with a deterred vested benefit for which a Schedule SSA (Form
5500) is required to be attached? .

(ii) If **Yes,"’ enter the number of separated participants required to bik macuiadl .P_ NA. Yyyy Yj,
(j) If 6(a) is ‘‘Yes,’’ and the plan is covered by PBGC, is the plan continuing to file a PBGC Form 1 and pay premiums until
the end of the plan year in which assets are distributed or brought underthe controlofPBGC?. ........ : N :
7 Fiduciary information during this plan year: YUyy YU

(a) Did any plan fiduciary who is an officer or employee of the plan sponsor receive compensation from the plan for his or
her services tothe plan? . — es & » 2 6s © w & Wwe ee sew 6 :;
(b) Did the plan acquire any qualifying —_- security or qualifying empléyer real property, when enimediately iter
such acquisition the aggregate fair market value of employer securities and employer real property held by the plan
exceeded 10% of the fair market value of the plan assets?

>

>

(c) Did the plan receive any non-cash contributions? 6 , h _ hr? rR :
(d) Has any employer owed the plan contributions which were more than —_ months past due under the teri of the
plan?

(e) Were any loans the plan all or fixed income sbligutions iis the plan in default as of the ond - the plan year, or
classified as uncollectable?

t [oS

(f) Were any leases to which the plan was a party in default or classified as uncollectable? .
(g) Party-in-interest information:

(i) Did the plan lend assets to, borrow from, or guarantee any indebtedness of a party-in-interest?

Leo

(ii) Has the plan purchased any assets from or sold any assets to a party-in-interest? .

o>

(iii) Has the plan leased property to or from a party-in-interest? .

SS
=

%U.S. GOVERNMENT PRINTING OFFICE: 1985-423-272 E.!. 43-0787287

Wa — ae = ;
a

fo PLAN SPONSOR FISCAL YEAR BEGINNING January 1, 1987 ENDING recetber 31, 1987
é,

Form 5 5 0 0-C

Department of the Treasury
Internal Revenue Service

OMB No. 1210-0016

1985

This Formis Open
to Public Inspection

For the calendar plan year 1985 or fiscal plan year beginning __ September 1 , 1985, and ending August 31 19 86
Type or print in ink all entries on the form, schedules, and attachments. If an item does not apply, enter “N/A.” File the originals.

If (i) through (iii) does not apply to this year’s return/report, leave the boxes unmarked. This return/report is:
(i) the first return/report filed for the plan; (ii) [| an amended return/report; or (iii) the final return/report filed for the plan.

Return/Report of Employee Benefit Plan

(With fewer than 100 participants)

This form is required to be filed under sections 104 and 4065 of the Employee
Retirement Income Security Act of 1974 and sections 6039D, 6057(b) and
6058(a) of the Internal Revenue Code, referred to as the Code.

Department of Labor
Pension and Welfare Benefit Programs

Pension Benefit Guaranty Corporation

> Caution: A penalty of $25 a day for the late or incomplete filing of this return/report will be assessed unless reasonable cause is established.
» Welfare benefit plans including those described in Code sections 120, 125, and 127, need only complete certain items or may not be required to
file—see instructions “What to File.”
bm Keogh (HR 10) plans must check the box in item 5a(iii).
» One participant plans file Form 5500-R for 1985 (see page 1 of the instructions).
b» See page 3 of the instructions for the new “Where to File” instructions.
b If you have been granted an extension of time to file this form, you must attach a copy of the approved extension to this form.
Use ‘| la Name of plan sponsor (employer, if for a single employer plan) lb Employer identification number
X IRs YWCA of Albany 14 } 1349017 X
ae, | Address (number and street) lc Telephone number of sponsor
= Sb, 28 Colvin Avenue @18 ) 438-6608 a
please © — = —_ —
print City or town, state and ZIP code ld ena year on >
y or type. Albany, New York 12206 last return/report, check here
2a Name of plan administrator (if same as plan sponsor enter “Same"’) le Business code number

Board of Trustees, YWCA Retirement Fund, Inc. 9319

Address (number and street) 2b Administrator's employer identification no.

One Madison Avenue 13: 2903440

City or town, state and ZIP code

New York, NY 10010

[ 2c Telephone number of administrator

7 i212 (86 ) 8630

3 Is the name, address and identification number of plan sponsor and/or plan administrator the same as they appeared on the last return/report filed for this

plan? Yes No. If ‘*No,"’ enter the information from the last return/report in a and/or b.
a Sponsor > ee a mR © i pnd Gendered te Gd artist come <-ge wo wrereememanaem wa em mma ceases BO rsisecerbele dp Weds Semeesrpeg meee oer @ x acme
b Administrator mo... ee eee eee ee ee ee eee eee eee ee. EIN oo en enna ee cemen suena anccncne.
c If 3a indicates a change in the sponsor's name and EIN, is this a change in sponsorship only? (See specific instructions for definition of sponsorship.)
|_| Yes No ee _

4 Check box to indicate the type of plan entity (check only one box): c Multiemployer plan
3 [| Single-employer plan d Multiple-employer-collectively-bargained plan
b~—s|_} Plan of controlled group of corporations or common control employers _ sie X _Multiple-employer plan (other)

5 a () Nameofpian m ..The. Young Women's Christian Association | sb Effective date of plan
voceeeeeeeeee Retirement Fund, Incorporated = == sss 9/1/25 _
(ii) a Check if name of plan changed since the last return/report. oc Enter three-digit Co,
(iii) |_J Check this box if this is a Keogh (HR 10) plan. __ Plan number Pm |0 i0: 1

6 Check at least one item ina orband applicable items inc: a Welfare benefit plan (Plan numbers 501 through 999):
(i) Health insurance (ii) [] Life insurance (iii) [ Supplemental unemployment (iv) Other (specify) >

(v) = Code section 120 (group legal services plan), (vi) Code section 125 (cafeteria plan),
(vii) LJ Code section 127 (educational assistance rogram)
lf you checked (v), (vi), or (vii), check if funded or | unfunded.

b Pension benefit plan (Plan numbers 001 through 500): (i) Defined benefit plan—(indicate type of defined benefit plan below):
(A) L_] Fixed benefit (B) [] unit benefit (c) [] Flat benefit (dD) L_] Other (specity) >

ee SAEs Pa eS a wae Ss eee ee ee

(i) Defined contribution plan—(Indicate type of defined contribution plan below): (A) a Profit-sharing (B) a Stock bonus
(C) [| Target benefit (D) Other money purchase (E) Other (specify) >

(iii) [] Defined benefit plan with benefits based partly on balance of separate account of p
(iv) LC] Annuity arrangement of a certain exempt organization (Code section 403(b)(1))

(v) Custodial account for regulated investment company stock (Code section 403(b)(7))

(vi) Pension plan utilizing individual retirement accounts or annuities
benefits

articipant (Code section 414(k))

(described in Code section 408) as the sole funding vehicle for providing

X Date Pm _ Ze Ll hb. Peensecm rs Signature of employer/plan sponsor > Hhwae Pb aati nae AX CLLz MEL LF

Date > S

ignature of plan administrator
For Paperwork Reduction Act Notice, see page 1 of the Instructions.

Forn 5500-C (1985)

Form 5500-C (1985) Page 2

6 c¢_ Other plan features: (i) [] Thrift-savings (ii) [ Participant-directed account plan
(iil) [J Pension plan maintained outside the United States (see instructions) iv) L Master trust (see instructions) >

| i et ee ee ee

d Single employer plans enter the tax year end of the employer in which this plan year ends ® Month...__.. Day....... Year....... | Yes | No
e Is this a pension plan of anaffiliatedservicegroup2 . . . . . ww i’ «© »w wp ws ow | Xx
f Does this plan contain a cash or deferred arrangement described in Code section 4Ol(ky? | | X

7 a Total participants (i) Beginningof planyearm® _.... (ii) Endofplanyear ® oo. YY

N/A b (i) Was any pension benefit plan participant(s) separated from service with a deferred vested benefit for which a Schedule SSA N/A

(Form 5500) is required to be attached?

(ii) _ If "Yes," enter the number of separated participants required to be reported . | se
YY Yj

—-—__ —-— _ — —

8 Plan amendment information (welfare plans do NOT complete b(ii)):

a Were any plan amendments to this plan adopted since the end of the plan year covered by the last return/report Form 5500,
9500-C or 5500-K which was filed for this plan (or during this plan year if this is the initial return/report)? .

b If Yes," (i) And if any amendments have resulted in a change in the information contained in a summary plan description or
previously furnished summary description of modifications:
N/A (A) Have summary descriptions of the changes been sent to participants?
(B) Have summary descriptions of the changes been filed with DOL? .
(ii) Does any such amendment result in the reduction of the accrued benefit of any participant under the plan? .
Enter the date the most recent amendment was adopted. . . . . . & Month Day Year

(i) Has a summary plan description been filed with DOL for this plan? .

(ii) If (i) is “'Yes,"’ what was the employer identification number and the plan number used to identify it?

Employer identification number > Plan number >
ee eeeeSeeSeeeSeSeeeeSSSSSCSF EF

-——-—--—-- = = = -——-————-— = = «=

9 Plan termination information: lf
a Was this plan terminated during this plan year or any prior plan year? If “Yes,"enteryearm ne
b_ If '‘Yes,’’ were all trust assets either distributed to participants or beneficiaries, transferred to another plan or brought under the
control of PBGC? So ee, LA
c fais '‘Yes,"’ and the plan is covered by PBGC, is the plan continuing to file a PBGC Form 1 and pay premiums until the end of the N/A
—____Planyear in which assets are distributed or broughtunderthecontrolofPBGC? - - sl. |
10 a Was this plan merged or consolidated into another plan, or were assets or liabilities transferred to another plan since the end of the |
plan year covered by the last return/report Form 5500, 5500-C or 5500-K which was filed for this plan (or during this plan year if
N/A this is the initial return/report)? . . | |
If “Yes,” identify the other plan(s): c¢ Employer identification number(s) d Plan number(s)

b Name of plan(s) p> |

eewereeeeeeeGeeoeeeenwoeoeoeweeewnwenzneeewececcecce ae PE RE CO See ae eS Ww SS Re wee e:-eeee @ @ & ewrernreonerenrnxneweeeceeeeeee o

an LL a er i

11 = Indicate funding arrangement:
N/A (_] Trust b [ ] Fully insured c UC] Combination d L_] other (specify) moe

e__If bor cis checked, enter the number of Schedules A (Form 9500) which are attached a eee _

12 a  Isthe plan covered under the Pension Benefit Guaranty Corporation termination insurance program?. |. a Yes No Not determined

N/A b Ifais ‘Yes,"’ or ‘Not determined," enter the employer identification number and the plan number used to identify it.

Employer identification number > *” Plan number >

13 Complete both 13a and b: . Z Yes No-
N/A Is the plan insured by a fidelity bond?
(i) If Yes," enter name of surety COMPANY Panna nnn ee cew sewn n cen ncwncenac cece cececeeewenscceneececncncccn. Yj
(1!) Amount of bond coverage Po... eee eee eee eee ee eee eee Yf
if this is the initial return/report)?

14 a If this is a defined benefit plan, is it subject to the minimum funding standards for this plan year? ‘tt & & ew &® wm |

If “Yes,” attach Schedule B (Form 5500). Y Y YY

N/A b If this is a defined contribution plan, i.e., money purchase or target benefit, is it subject to the minimum funding standards (if a |
waiver was granted, see instructions)? .
(ii) Amount of contribution paid by the employerfortheplanyear , . . | . | . | S$ _

Enter date of last payment by employer Month... = Day_______. Year_____.._. Yj

(iii) \f (i) is greater than (ii) subtract (ii) from (i) and enter the funding deficiency here. Otherwise //

Ud

(i) Amount of employer contribution required for the planyear. . . . . . . , , , AS

If “Yes,” complete (i), (ii) and (iii) below:
enter zero. (If you have a funding deficiency, file Form 5330)... . .0,.0¢,¢~¢€©; $

Form 5500-C (1985) Page 3.

N/A

Note:

Plan assets and liabilities at the beginning and end of the current plan year (list all assets and liabilities at current value). A
welfare plan or a pension plan with no trust and which is funded entirely by allocated insurance contracts which fully guarante
of benefit payments should check the box and not complete the rest of this item .

fully insured

e the amount
>

Include all plan assets and liabilities of a trust or separately maintained fund. If more than one trust/fund, report on a combi
insurance values except for the value of that portion of an allocated insurance contract which fully guarantees the amount
Round off amounts to nearest dollar. If you have no assets to report enter ‘'-O-"' on line 15g.

ned basis. Include all
of benefit payments.

——~-—

Assets

(a) Beginning of year

(b) End of year

a Cash— (i) Interest bearing.

(ii) Non-interest bearing .

(iii) Total cash (add (i) and (ii)) .

b Receivables. 7
c Investments— Y

(1)

Governmentsecurities . . . . 1. ee ee ee ee

(ii) Pooledfunds/mutualfunds. . 2. 2. 1 1 ee ee ee |

(iii) Corporate (debt and equity instruments).

(iv) Valueofinterestinmastertrust . 2. 2. 6 2 6 6 ee ee pe

(v) Realestate and mortgages .

(vi) Other. . .. , ne:

(vii) Total investments (add ‘i Danesh wi) .

d Building and other depreciable property used in plan operation .

e Unallocated insurance contracts .

f Other assets

g Total assets (add a(iii); b; c(vii); d; e and f) Prat Peewee ree
Liabilities and Net Assets Y
Payv@ues «2 st he eh Fe he he hh hUrhUhRhUurhUrhlUhUrhUhhUhhUhhUhhUhhUhUhhUhhUh hu! hm CF |

Po En a a a

Other liabilities

Total liabilities (add h — i) .
Net assets (subtract k from g)

16 Plan income, expenses and changes in net assets during the plan year. Include all income and expenses of a trust(s) or separately maintained fund(s),

N/A

including any payments made for allocated insurance contracts. Round off amounts to nearest dollar.

a Contributions received or receivable in cash from: (a) Amount

(b) Total

(i) Employer(s) (including contributions on behalf of self-employed individuals)

—

—

(ii) Employees

(iii) Others.

Noncash contributions .

Earnings from investments (interest, dividends, rents, royalties).

Net realized gain (loss) on sale or exchange of assets
Other income (specify) >

Total income (add a through e)
Distribution of benefits and payments to provide benefits:
(i) Directly to participants or their, beneficiaries.

(ii) To insurance carrier or similar organization for provision of benefits (including prepaid medical
plans) ,

mor eoane0onsef&#

a

MU

eS

(iii) To other organizations or individuals providing welfare benefits.
Interest expense .
Administrative expenses (salaries, fees, commissions, insurance premiums).
Other expenses (specify) moc coe e eee e eee cece co cee cece

Total expenses (add g through j) .
Net income (subtract k from f)

m Changes in net assets: (i) Unrealized appreciation (depreciation) of assets

(ii) Net investment gain (or loss) from all master trust investment accounts.
(iii) Other changes (specify) >

SOS SO SSH SDOE DODO OE ODEO OO 4 EOC OO 6.06 O:6:9:0' OOO 0:0 BO O 6' 0:66 6 616 6666166 666666 OSHS SK OSS

&

= __

n Net increase (decrease) in net assets for the year (add!andm) .

o Net assets at beginning of year (line 151, column(a)) . a
p Net assets at end of year (add n and 0) (equals line 151, column (b)).

Form 5500-C (1985)

Y
17 As of the end of the plan year:
a What percentage of plan assets are loaned to a party-in-interest? .

N/Apb What percentage of plan assets are invested in securities issued by a party-in-interest?

c What percentage of plan assets are invested in real estate which is leased by a party-in-interest? .

%

18 Since the end of the plan year covered by the last return/report Form 5500, 5500-C or 5500-K which was filed for this plan (or during
this plan year if this is the initial return/report):
a Has there been a termination in the appointment of any trustee, accountant, insurance carrier, enrolled actuary, administrator,
investment manager or custodian?

lf ‘‘Yes,'’ explain and include the name, position, address and telephone number of the person whose appointment has been
terminated >»

C Indicate the amount of the plan’s administrative expenses for the:

(i) Precedingyear P $ ..........------------ , (ii) Secondprecedingyear ® §$
d Have any insurance policies or annuities been replaced?

e __Was the plan funded with: (i) C Individual policies or annuities (i!) C _Group policies or annuities (iii) |e Both

Yes

19 Since the end of the plan year covered by the last return/report Form 5500, 5500-C or 5500-K which was filed for this plan (or during
this plan year if this is the initial return/report):
a Other than transactions described in the exceptions outlined in the instructions, were there any transactions, directly or
indirectly, between the plan and a party-in-interest?
If ‘‘Yes,’’ see specific instructions.
N/A b _—_— Has the plan granted an extension on any loan for which, before the granting of an extension, it has not received all the principal
and interest payments due under the terms of the loan?

C Has the plan granted an extension of time or renewal for the payment of any obligation owed to it which amounts to more than
10% of the plan assets?

— - — —-— oe

YYyyy)

20 As of the end of any plan year since the end of the plan year covered by the last return/report, Form 5500, 5500-C or 5500-K which
was filed for this plan (or as of the end of this plan year if this is the initial return/report):
a Did the plan have investments of the type reportable under item 15c(v) or (vi) which in the aggregate in either category
N/A exceeded 15% of plan assets?

b Did the plan have loans outstanding or investments in a single enterprise (other than the United States Government) which
exceeded 15% of plan assets?.

21 During the plan year covered by this return:
a Did any plan fiduciary who is an officer or an employee of the plan sponsor receive compensation from the plan for his or her
services to the plan? sa —— 2 &@ © &@ we ee
b Did the plan acquire any qualifying employer security or qualifying employer real property, when immediately after such acquisi-
N/A tion the aggregate fair market value of employer securities and employer real property held by the plan exceeded 10% of the
fair market value of the plan assets? .

c Has any plan fiduciary had either a financial interest worth more than $1,000 in any party providing services to the plan or
received anything of value from any party providing services to the plan?
d Has any employer owed the plan contributions which were more than three months past due under the terms of the plan?

e Were any loans by the plan or fixed income obligations due the plan in default as of the close of the plan year, or classified as
uncollectable? .

f __ Were any leases to which the plan was a party in default or classified as uncollectable?

ar T
|
Yj
|
r +
—+
> —
|
ee

22 Whois the plan's designated agent for legal process?’ P N/A

LLU)

23 Give the name and address of each fiduciary (including trustees) to the plan >

ee ee
ed died
-“—-<#\ ee eer ese eer een eeen eee een ener eeeeeeeeeeeeeeeeaeeenenenen ee wr eer er er wr er er wr wr errr rrr wr rr rr rr rr rr rr er rr rr rr rr rr rr rr rr rr rr rr rr Kr er

24 |s this plan an adoption of any of the plans below? (If ‘‘Yes,’’ check appropriate box and enter IRS serial number).

a a Master/prototype, or b C) Uniform
N/A Enter the eight character IRS letter serialnumber (seeinstructions). . . . . . . >

$$

Y

Mh
/
|

OR

25 a _ Isthis plan integrated with social security? , Cok es
b Is it intended that this plan qualify under Code section 401(a)?
N/A ¢ If bis ‘‘Yes,’’ have you received a determination letter from the IRS for this plan? .

d Does the employer/sponsor listed in item 1a of this form maintain other qualified pension benefit plans?
If *‘Yes,"’ list the number of plans including this plan »

—

Form 5500-C (1985)

26 Information about employees of employer at end of the plan year. a Do

es the plan satisfy the percentage tests of Code section
410(b)(1)(A)? If ‘‘No,"" complete only b below and see Specific Instructions

See Statement -Beloyw.

Page

b =: Total number of employees , / i. = » &@ © «© wm w « —
¢ Number of employees excluded under the plan because of: (i) Minimum age Or years of service . |
(i) Employees on whose behalf retirement benefits were the subject of collective bargaining . L ee
(iii) Nonresident aliens who receive no earned income from United States sources L _
(iV) Total excluded (add (i), (ii) and (iii)) , | _
d Total number of employees not excluded (subtract c(iv) from b) .
SERRA CY r= dp eereemmmmnis sine...
ssesEiiaiaens aibuiiida tae occbhsdc ck nea 8 we eR Ei nei We meen « aan. =
f Employees eligible to participate (subtract e from d) '
g Employees eligible but not participating ee |
h Employees participating (subtract g from Ye, ee ee

27 Vesting (check only one box to indicate the vesting provisions of the plan):
a Full and immediate vesting, or full vesting within 3 years . we om
N/A b = No vesting in years 1 through 9, and full vesting after the 10th year of service
c For each year of employment, beginning with the 4th year, vestin
years, and 10% additional for each of the next 5 years

d 100% vesting within 5 years after contributions are made (class year plan only)
e Other vesting

8 equal to 40% after 4 years of service, 5% additional for the next 2

28 a _ Didthe employer receive plan assets (includin

section 415, does the plan provide that any su
that increase under Code section 415(d)?

c = Is this a plan with Employee Stock Ownership (ESOP) features? .

(i) If*'Yes,"’ was acurrent appraisal of the value of the stock made imm
the stock by the trust for the plan year covered by this return/report?

(ii) If (i)is ‘Yes,’ was the appraisal made by an unrelated third Party? . |,
FO ee oN UNFElated third party? _ malic

ediately before any contribution of stock or purchase of

Yes | No

29 Have any individuals performed services as a leased employee for this

employer or for any other employer who is aggregated with
this employer under section 414(b), (c), or (m)?

N/A If “Yes,” see instructions forcompletingitem 26. °° mo VLU

b If 30a is ‘‘Yes,"’ complete (i), (ii) and (iii) below:
N/A (i) Has the plan complied with the vesting requirements of Code section 416(b)? .

(ii) Has the plan complied with the minimum benefit requirements of Code section 4] 6(c)? .
(ili) Has the plan complied with the limitation on compensation of Code section 416(d)? .

If additional space is required for any item, attach additional sheets the same size as this form.
Item 26

Because of central maintenance of vesting records, this information is not
available on the basis of individual participating employers.

was 6083. The total nymber of participants in this Plan as of the end of
the 1985-86 plan year was 5,984.

THE YOUNG WOMEN’S CHRISTIAN ASSOCIATION RETIREMENT FUND INC. ONE MADISON AVENUE NEW YORK NY 10010 212 686 8630

Regios

—- ——-

Internal Revenue Service: FORM 5500-C

Information About Filing - For Participating Associations

FORM TO BE FILED THIS YEAR: 5500-C
FILING DATE: ON OR BEFORE MARCH 31, 1987

All Participating Associations of the YWCA Retirement Fund must file, on an annual

basis, FORM 5500. The following information is provided to assist you with this
filing:

All Participating Associations Must File

You must file annually even if you have no active participants during
the year which is being reported.

Uniform Cycle of Filing

Filing dates are related to the Plan Year of the Fund, not to the fiscal
year of the Participating Association.

There are two different forms: 5500-C and 5500-R. The form to be used
will depend on the filing year. A uniform cycle has been established

by IRS. Each year the Fund will advise you about which form is to be
filed. |

Filing Dates

Each year you must file on or before the last day of the 7th month following
the close of the Fund's fiscal year.

The Fund's fiscal year is:
September 1 through August 3l.

The filing date for all participating Associations is March 3l.

The Year's FORM and Filing Date

This year you must file FORM 5500-C. The Form is marked 1985.
It covers the Fund's fiscal year September 1, 1985 - August 31, 1986.
The filing date for your 1985 Form 5500-C is on or before:

MARCH 81, 1987
Completing Your FORM

The FORM which you need to complete this year is enclosed. Please note
this is not a SAMPLE form. It is the form which you will need to complete
and file.

Cont 1mied sc ciwaccs

2/87

Completing Your Form (Cont'd)

We have already entered the information that is to be provided by the Fund.

You will need to provide the answers for all of the items marked with an xX;
as follows:

°At the top of page one, fill in the dates of your fiscal year.
“Item 1(a) Association Name and Address.

°Item 1(b) Your Employer Identification Number.

°Item 1(c) Your phone number.

“Your Signature and Date.

Please note that some sections are already filled in with N/A. This means
that these sections are Not Applicable.

Please note that for the purposes of this form:

The "Plan Sponsor" is the Employing Association.

The "Plan Administrator" is the YWCA Retirement Fund.

Mailing the FORM

Mail your completed form directly to the Internal Revenue Service.
Be sure to keep a copy for your files.

Please send a copy to the Retirement Fund Office at the same time you mail
your Form to the IRS. qa S 2/92 l on OF

og > c —_
Wh yUL-¥ ett S f

Questions - Additional Information

If you have any questions about the procedures to be followed, please let
us know.

Contact: A. B. Candido

Executive Director
Phone: 212/686-8630

Plan Sponsor Fiscal Year Beginning

vw

N/A

December 31
Jacuary + Ending __

Registration Statement of Employee Benefit Plan
(With fewer than 100 participants)

This form is required to be filed under sections 104 and 4065 of the
Employee Retirement Income Security Act of 1974 and sections
6039D and 6058 of the internal Revenue Code.

rom DIOO-R

Department of the Treasury
Internal Revenue Service

Department ol Labor
Pension and Welfare Benefils Administration

This Formis Open
to Public Inspection

For the calendar plan year 1986 or fiscal plan year beginning Sep tember l , . 1986, and ending August 31 __) 19 87

—~ a

One-participant plans file Form 5500EZ for 1986 (see page 1 of the instructions). ;
Plans described in Code sections 120, 125, and 127, complete the applicable box 5e, 5f, or 5g and see the instructions.

Do NOT file this form for the plan's first year or for the plan's final return/report. Instead file Form 5500-C. (See instruction A.)

— ——- — —— — —_— ———_____ ———- — — -— ———— -

Pension Benefit Guaranty Corporation

—-

> If you have been granted an extension of time to file this form, you must attach a copy of the approved extension to this form.
> Type or complete in ink and file the original. if any item does not apply, enter “N/A

Use la Name of plan sponsor (employer, if fora single employer plan) 1b Employer identification number
es Young Women's Christian Association of Alban 14 1340017

Other- Address (number and street) lc Sponsor's telephone number
ey City or town, state, and ZIP code oe ld If plan year changed since last
or type. Albany New York 12206 | return/report, check here &

2a Name of plan administrator (if same as plan sponsor, enter ‘‘Same’’) | 2b Administrator's employer identification number
Board of Trustees, YWCA Retirement Fund, Inc. 13 :2903440

Address (number and street) 2c Administrator's telephone number
One Madison Avenue ee ; ( 212 +) 686-8630

City or town, State, and ZIP code _

New York, New York 10010

3 Isthe name, address, and identification number of the plan sponsor and/or plan administrator the same as they appeared on the last

- —- —

return/report filed forthisplan?. 2... eB ves ON
If ‘No,’ enter the information from the last return/report ina and/or b.
a Sponsor’sname wee ee eee eee EIN le
b Administrator’sname ® ode eee eee eee ee eee FY e225 es hac ddieetdde aan emu namend
c Ifa is completed, is this a change in sponsorship only? (See specific instructions for definition of sponsorship.) 1) Yes _ No
4 a(i) Nameofpian »The Young. Women's Christian.......
Association Retirement Fund, Incorporated._| 40 Effective date of plan B 9/1/2
(ii) 4 Check if name of plan changed since last return/report. oo
(ii) ()_Check this box if this is a Keogh (H.R. 10) plan. 4c__Enter three-digit plan number p> O0:0:]
5 Type of plan (Check applicable boxes): e () Code section 120 (group legal services plan)
a ) Defined benefit f ) Code section 125 (cafeteria plan)
b & Defined contribution (money purchase or profit-sharing) g 0) Code section 127 (educational assistance program)
c- () Welfare benefit If you checked e, f, or g, check whether this plan is
d  [{) Other (specify) > [) fundedor (] unfunded. (See instructions Se, f, and g.)
6 Plan information: | - _[Yes | No
a Was this plan terminated during this plan yearor any prior plan year? 5 | | a | | _X
b  Ifais ‘'Yes,"' were all trust assets distributed to participants or beneficiaries, transferred to another plan, or |
broughtunderthecontrolofPBGC?. . . . . . . . . ee NLA
| ¢ Was this plan amended during this plan year to reduce any participant's accrued benefits? . . . . ._ . . L& Z| ms
d If this is a defined benefit plan or a defined contribution plan subject to the minimum funding standards, has the
plan experienced a funding deficiency for this plan year (defined benefit plans, attach Schedule B (Form 5500))? _¢ 1 4
e If dis “Yes,"’ have you filed Form 5330 topaytheexcisetax? . . .. . «| (ee wm @ » » » « « Mw |
f Is this plan covered under the Pension Benefit Guaranty Corporation termination
| ss imsuranceprogram? . 2...) ee. Ve L) No DC) Notdetermined
g Total participants (i) Beginning of planyear® (1) End of plan year >

(See back of form for additional questions.) Seon Siaranant on Powe 8 |. }q0 0 2 eereseemena

tement on Page 2.
Under penalties of perjury and other penatties set forth in the

instructions, | declare that | have examined this report, includin accompanyin schedules and statements,
and to the best of my knowledge and belief, it is true, correct. and complete. . sis

. if LO , pa Z
Date &_ / LEZ 4 vi... Signature of employer/plan sponsor 7 Caan t hk. ait a ae

,
- ” as a)
se

-_-- 7
ee ee See SO A eae rr eaa sa abe ler@ie: wr ee ee we ie ie

Date Signature of plan administrator &

For Paperwork Reduction Act Notice, see page 1 of Form 5500-R instructions.

Form 5500-R (1986)

Form 5500 R (1986) If any item on this page is not applicable, enter “N/A.” Page 2

6 Plan information: (continued) No
h if plan benefits were provided by an insurance company, insurance service or similar organization, enter the Y Yj Y
number of Schedules A(Form5500) attached. . 2. 2. 2. 2 2. wee Yf
N/A i (i) Was any participant(s) separated from service with a deferred vested benefit for which a Schedule SSA
(Form 5500) is required to be attached?. -e eB ep btw kee es hee ew hehe ee
(ii) \f “*Yes,”” enter the number of separated participants required tobe reported. .P. YI Y Y YY

j If ais “Yes,” and the plan is covered by PBGC, is the plan continuing to file a PBGC Form 1 and pay premiums
until the end of the plan year in which assets are distributed or brought under the control of PBGC? .

7 Fiduciary information during this plan year: HMM
a Did any plan fiduciary who is an officer or employee of the plan sponsor receive compensation from the plan for
his or her services tothe plan? . - 2 ier ew eee PS 8 _ |
b Did the plan acquire any qualifying employer security or qualifying employer real property, when immediately |
after such acquisition the aggregate fair market value of employer securities and employer real property held by |
the plan exceeded 10% of the fair market value ofthe planassets? 2 2. 2 2 2... Lb | |
N/A c Did the plan receive any'non-cash contributions? . 2. 2... L a |
d Has any employer owed the plan contributions which were more than three months past due under the terms of | |
dt a
e Were any loans the plan made or fixed income obligations due the plan in default as of the end of the plan year,
orclassified asuncollectable? 2. 2. 2... ke, e@ =
f Were any leases to which the plan was a party in default or classified as uncollectable? . - . . . . . ., ! f , L
g Party-in-interest information: mi Y/; Yh
(i) Did the plan lend assets to, borrow from, or guarantee any indebtedness of a party-in-interest? . . . .
(ii) Has the plan purchased any assets from or sold any assets toa party-in-interest?. . . . . . . . - =
(iti) Has the plan leased property to or froma party-in-interesi?. 2. 2. 2... we

® V.S.G.P.0.: 1967-4 93-271

Item 6 (g)

Because of central maintenance of vesting records, this information is not
available on the basis of individual participating employers. The total number
of participants and annuitants in this Plan as of the end of the 1985-86 plan year

was 8,672. The total number of participants and annuitants in this Plan as of
the end of the 1986-87 plan year was 9,061.

_THE YOUNG WOMEN'S CHRISTIAN ASSOCIATION RETIREMENT FUND INC. ONE MADISON AVENUE NEW YORK NY 10010 212 686 8630

Reatninds

Internal Revenue Service: FORM 5500-R

Information About Filing - For Participating Associations

FORM TO BE FILED THIS YEAR: 5500-R
FILING DATE: ON OR BEFORE MARCH 31, 1988

All Participating Associations of the YWCA Retirement Fund must file, on an annual

basis, FORM 5500. The following information is provided to assist you with this
filing:

All Participating Associations Must File

You must file annually even if you have no active participants during
the year which is being reported.

Uniform Cycle of Filing

Filing dates are related to the Plan Year of the Fund, not to the Fiscal
year of the Participating Association.

There are two different forms: 5500-C and 5500-R. The form to be used
will depend on the filing year. A uniform cycle has been established

by IRS. Each year the Fund will advise you about which form is to be
filed.

Filing Dates

Each year you must file on or before the last day of the 7th month following
the close of the Fund's fiscal year.

The Fund's fiscal year is:
September 1 through August 3l.

The filing date for all participating Associations is March 3l.

This Year's FORM and Filing Date

This year you must file FORM 5500-R. The Form is marked 1986.
It covers the Fund's fiscal year September 1, 1986 - August 31, 1987.
The filing date for your 1986 Form 5500-R is on or before:

MARCH 31, 1988

Completing Your FORM

The FORM which you need to complete this year is enclosed. Please note

this is not a SAMPLE form. It is the form which you will need to complete
and file.

Continued. sos sscce

3/88

Completing Your Form (Cont'd)

We have already entered the information that is to be provided by the Fund.
You will need to provide the answers for all of the items marked with an X,

as follows:

°At the top of page one, fill in the dates of your fiscal year.
°Item 1(a) Association Name and Address.

°Item 1(b) Your Employer Identification Number.

°Item 1(c) Your phone number.

°Your Signature and Date.

Please note that some sections are already filled in with N/A. This means
that these sections are Not Applicable.

Please note that for the purposes of this form:

The "Plan Sponsor" is the Employing Association.

The "Plan Administrator" is the YWCA Retirement Fund.

Mailing the FORM

Mail your completed form directly to the Internal Revenue Service.
Be sure to keep a copy for your files.

Please send a copy to the Retirement Fund Office at the same time you mail
your Form to the IRS.

Questions - Additional Information

If you have any questions about the procedures to be followed, please let
us know.

Contact: A. B. Candido
Executive Director

Phone: 212/686=8630
Lld-F S00

Young Women’s Christian
Association

28 Colvin Avenue

Albany, N.Y. 12206-1199
(518) 438-6608

ae
differen”

1888 Centennial 1988 ©

July 12, 1988

Bob G. Hughes, Director
Service Center
Department of the Treasury

Intemal Revenue Service
Holtsville, NY 00501 —

Reference: 19167515

Dear Mr. Hughes;

It is not required of us to file a form 5500 for plans with
more than 121 participants because we, the Plan Sponsor,

have less than 121 participants.

Our administrator, the Board of Trustees, YWCA Retirement
Fund, Inc. has filed a form 5500.

Please excuse us from all penalties.

Very truly yours,

IN a a Ps S60... J Le Z

Diane Haber, Bookkeeper
YWCA of Albany
14-1340017

“A PARTICIPATING SERVICE IN THE UNITED WAY OF NORTHEASTERN NEW YORK, INC.”

Department of the Treasury OMB Clearance No.: 1545-0710

: Internal Revenue Service
In reply refer to: 19167515
HOLTSVILLE, NY 00501 JUNE 27, 1988 LTR 1425B
14-1340017P 8708 74 001
06629

YOUNG WOMENS CHRISTIAN ASSOC OF
ALBANY

28 COLVIN AVE

ALBANY NY 12206

Employer Identification Number: 14-1340017
Form: 5500-R
Plan Year Ending: Aug. 31, 1987
Plan Number: 001
Date Return Due:
Date Return Received:

Dear Taxpayer;

We received your Form 5500-R and find we need more information to
complete action on it. A penalty of $25 a day, up to a maximum of
$15,000, could be charged for not providing this information.

|

Please file the enclosed form 5500 for plans with more than 121
participants.
|
|

Please let us hear from you within 30 days from the date of this

letter. If, within that time, we do not receive an explanation that
Will allow us to excuse you from the penalties, we will have to bill
you for those that apply. We have enclosed an envelope for your

convenience. The copy of this letter is for your records.

Lob A higla

Bob G. Hughes
Director, Service Center

Thank you for your cooperation.

Enclosures: |
Form 5500

Copy of this letter
Envelope

Notice 610

-om: 9500 Annual Return/Report of Employee Benefit iba P, Gud @ pero-0016

elsisdl Bae Haakon (With 100 or more participants) Vy 7 ©) : 5
st gg This form is required to be filed under sections 104 and 4065 of the POs ws
BER ecw deycoihtle sc Employee Retirement Income Security Act of 1974 and sections 6039D, ise
” sdeiierdniatcahioe 6057(b) and 6058(a) of the Internal Revenue Code, referred to as the Code. This Form Is Open
Pension Benefit Guaranty Corporation > For Paperwork Reduction Act Notice, see page 1 of the instructions. to Public Inspection
For the calendar plan year 1986 or fiscal plan year beginning , 1986, and ending pa 5

Type or print in ink all entries on the form, schedules, and attachments. If an item does not eal enter “N/A.” File the originals.

lf (i) through (iii) do not apply to this year’s return/report, leave the boxes unmarked. This return/report is:
(i) the first return/report filed for the plan; (ii) an amended return/report; or (iii) the final return/report filed for the plan.

> Welfare benefit plans including those described in Code sections 120, 125, and 127, need only complete certain items—see the
instructions “What to File.”
P Keogh (H.R. 10) plans must check the box in item 5Sa(iii).

» If you have been granted an extension of time to file this form, you must attach a copy of the approved extension to this form.

Use IRS| 1aNameof plan sponsor (employer if for a single-employer plan) 1 b Employer identification number
label.
| L ‘
vale Address (number and street) 1 c Telephone number of sponsor
please | | ( ) a
printor | City or town, state, and ZIP code 1 d_ 'f plan year changed since last
type. return/report, check here. . > [1
2 a Name of plan administrator (if same as plan sponsor, enter ‘‘Same’’) 1 e Business codenumber
Address (number and street) 2 b Administrator's employer identification no.
City or town, state, and ZIP code Be PS Telephone number of administrator
J ( ) .
3 Isthe name, address, and employer identification number (EIN) of the plan sponsor and/or plan administrator the same as they appeared
on the last return/report filed for this plan? Yes No. If ‘‘No,’’ enter the information from the last return/report in a and/or b.
Re PES see a) ee Nee Siig ene eke tht i ere a iS eh a Ph Rae See is Bepeeeeg a ama Sarees oP noo ey,
b Administrator |, Senetas eensen Benin mFS a aide Se a oe

c If aindicates a change in the sponsor’s name and EIN, is this a change in sponsorship only? (See specific instructions for definition
of sponsorship.) Yes [] No

4 Check appropriate box to indicate the type of plan entity (check only one box):

a Single-employer plan Cc Multiemployer plan e Multiple-employer plan (other)
b Plan of controlled group of corporations d Multiple-employer-collectively- f Group insurance arrangement
or common control employers : bargained plan (of welfare plans)
2A) Pe an er ese eo e te gigi tiass Pi ow) Sas ashe Git a | 5 b Effective date of plan
(ii) Check if name of plan changed since last return/report 5 c Enter three-digit
(iii) (_] Check this box if this is a Keogh (H.R. 10) plan. | plan number > |
6 Check at least one item ina orb and applicable items inc: a Welfare benefit plan (Plan numbers 501 through 999):
(1) Health insurance (11) Life insurance — (iii) Supplemental unemployment
(iv) rN I ene BE Is dS Sah ce Be ee
(Vv) Code section 120 (group legal services plan) (vi) Code section 125 (cafeteria plan)
(vil) Code section 127 (educational assistance program) If you checked (v), (vi), or (vii), check if: L] funded or unfunded.

b Pension benefit plan (Plan numbers 001 through 500):
(i) Defined benefit plan—<(Indicate type of defined benefit plan): (A) Fixed benefit (B) Unit benefit
(C) Flat benefit (D) OTT (oeCi iG 5 eas ee ie at ioe 5 eae len aoe eee
(i) Defined contribution plan—(indicate type of defined contribution): (A) Profit-sharing (B) Stock bonus

(C) Target benefit (D) Other money purchase (E) 4-1] Other tepecily) 0 8 A aeeaee 2 ee
(11) Defined benefit plan with benefits based partly on balance of separate account of participant (Code section 414(k))
(iv) Annuity arrangement of certain exempt organizations (Code section 403(b)(1))
(Vv) Custodial account for regulated investment company stock (Code section 403(b)(7))
(vi) Pension plan utilizing individual retirement accounts or annuities (described in Code section 408) as the sole funding

vehicle for providing benefits
(vil) Other (specify)

Under penalties of perjury and other penalties set forth in the instructions, | declare that | have examined this return/report, including accompanying schedules and
statements, and to the best of my knowledge and belief, it is true, correct, and complete.

Date > Signature of plan administrator ®

Form 5500 (1986) Page 2

6 c Other plan features: (i) L] Thrift-savings (ii) L] Participant-directed account plan

(111) Pension plan maintained outside the United States (iv) L] Master trust (see instructions) >
d  Single-employer plans enter the tax year end of the employer in which this plan yearends . 2 Month Day

e ls this a pension plan of an affiliated service group?
f Does this plan contain a cash or deferred arrangement described i in Code section 401(k)? .

7 Number of participants as of the end of the plan year (welfare plans complete only a(iv), b, c, and d):
a_ Active participants: (/) | Number fully vested.

(ii) Number partially vested

(iii) Number nonvested . iieths Wt ae eg fv ae

eres Eg aoe a ere ec cag me oR ae rR CREA ot ee aS
cera tr SOOMI AGG ONicioeris rece DOTIONIS «=. a a ee a eee ee ren
Retired or separated participants entitled to future benefits (OARS FGI Ae ie ee
Baeenee te a, 0 NC) nee OS PS OO Che js RY Sut 07 Be s2G Ca as tbe ee
Deceased participants whose. beneficiaries are receiving or are eatitied toreceivebenefits ..... .
IIR AS Src) toe Tn ae a a gt ee Se OR Sense ; ; t

(i) Was any participant(s) separated from service with a deferred adie benefit for wtiten a sete SSA
(Form 5500) is required to be attached to this form? .

(ii) \f''Yes,"’ enter the number of separated participants required to be reported > YY Yyy
WYyyy

m= 6 a. 4.4

——— — —

8 Plan amendment information (welfare plans do not complete b(ii)):

a Was any amendment to this plan adopted in this plan year? . pes Fiery Sh ey VrSy soy yt ae

b If ‘Yes,’ (ij) And if any amendments have resulted in a change in the information oacnained in a summary plan
description or previously furnished summary description of modifications—
(A) Have summary descriptions of the change(s) beensenttoparticipants? . . ...... ..+4t TRS
(B) Have summary descriptions of the change(s) been filed with DOL? . So nash ABS ane he

(ii) Does any amendment result in the reduction of the accrued benefit of any participant under the plan? .
c Enter the date the most recent amendment was adopted . . . .® Month_______. DOV eve’ Gv VOR so 25 lf
d (i) Hasasummary plan description been filed with DOL for this plan?

(ii) If (i) is “Yes,” what was the employer identification number and the plan number used to identify it?
Employer identification number >» Plan number >

9 Plan termination information (welfare plans complete only a, b, c, and f): lf
a_ Was this plan terminated during this plan year orany priorplanyear? . . . . If‘‘Yes,’’enteryear P _________ |
b Were all plan assets either distributed to participants or beneficiaries, transferred to another plan, or brought under the control of PBGC?
c Wasa resolution to terminate this plan adopted during this plan yearoranypriorplanyear? . ........4
d Ifaorcis ‘‘Yes,’’ have you received a favorable determination letter from IRS forthetermination? . . . . .. .|
e
f
s

+
7

nis 0, Nase cetermination letter been requested TOM IRS? ke pes

Ifaorcis ‘‘Yes,’’ have participants and beneficiaries been notified of the termination or the proposed termination? . | |

If a is ‘‘Yes,”’ and the plan is covered by PBGC, is the plan continuing to file a PBGC Form 1 and pay aaa until
the end of the plan year in which assets are distributed or brought under the control of PBGC?

—_—_— ——

10 a__Inthis plan year, was this plan merged or consolidated into another plan, or were assets or liabilities transferred
to another plan? 5 PRES ae. SiS ie GR Ces Sa oa a a cae
If ‘‘Yes,’”’ identify other senate: , c Employer identification number(s) d Plan number(s)

b Name of plan(s) »

+

ee OS ee ee eee ee ee ee ee oe ee sh) ee

11 Indicate funding arrangement: a Trust (benefits provided in whole from trust funds)

b [J] Trust or arrangement providing benefits partially through insurance and/or annuity contracts
Trust or arrangement providing benefits exclusively through insurance and/or annuity contracts
L] Custodial account described in Code section 401(f) and not included in ¢ above

ig EE eR Sas ek REE ROSE Ts oe Te Rctn ren fl aS eRe Mee ee PRETO wee SCR Ost aie ia
If b or c is checked, enter the number of Schedules A(Form 5500) whichareattached. ........ >

» |*~oano

Has the plan used the services of a contract administrator (see instructions)? .. . . . ...... . . . C1Yes LI No
If “Yes,” you must complete line (1) of the schedule below.

b Did any other person who rendered services to the plan receive, directly or indirectly, compensation from the plan in the plan year? LJ] Yes L] No
rT yes, furnish the following i information starting on line (2):
(d) Relationship to 4
om bea (c) Official employer, employee (e) Gross salary (f) Fees and or al
(a) Name number (see plan organization, or or allowances commissions paid (see
; position person known to bea paid by plan by plan .
53 | instructions) 7 a | _"_party-in-interest | | : [ ee
ontract admin. 1
2 —- + Sie + — +
(2) Aaeek: [ [ rr Bees
(3) SERRE REeeREeReeeeeeREREEEREE EERE

Form 5500 (1986) , Page 3

13. Planassets and liabilities at the beginning and the end of the plan year (list all assets and liabilities at current value). A fully insured
welfare pian or a pension plan with no trust and which is funded entirely by allocated insurance contracts which fully guarantee the
amount of benefit payments should check the box and not complete the rest OF US URI ne ee do ee 2

Note: /nclude all plan assets and liabilities of a trust or separately maintained fund. (If more than one trust/fund, report on a combined basis. ) Include all
insurance values except for the value of that portion of an allocated insurance contract which fully guarantees the amount of benefit payments.
Round off amounts to the nearest dollar. Trusts with no assets at the beginning and the end of the plan year enter zero on line 13h.

— r —y- ——_——_-_— — a

Assets (a) ‘Beginning of year Ee (b) End of year
a Cash: (ij) Onhand. . . Rio. ia - yaa maak tr spacial nen 4 |
(ii) In bank: (A) Certificates ‘i snoet. ReMi Tre ES eee UES ter A Meee PR EIE H Ps
fa SSG ee ee ee ees | Geeeneamneeret: Co ue iets
it) Siu I a a a ee ee | ss
(ii) Totalcash(add(i)and(li)) . 6 (int) | y Bet eas
b Receivables: (i) Employer contributions . 6 5 es ee a piles ct ae
ere nn CORI 5s SE ae re a a RN SI (ii) _| |
a a ee ie. Kl ok E* ae
(iv) Reserve fordoubtfulaccounts . . : Se ge
(v) Net receivables (subtract (iv) from the total of (i) (i), - (iy) gies Be ee ry, : ,
c General investments other than party-in-interest investments: YUyyy Y/ Lf
(i) U.S. Government securities: (A)Longterm . . ..... . . . (CGAL Ee a
i errno ee Se ne
Til) 5 See ats CA BOCA ae ys ae mS stalin
(iii) Corporatedebtinstruments: (A) Longterm ........... Citi )(A)| ME Ried Ear Oe: ae a
‘Si Shottem oS Ee eee | a
in) Coprate stots SA) Peed «ae a aaa
(i Cane oo Ee eee | wa ;
(v) Sharesofaregisteredinvestmentcompany. . ...... . . . LM
ee Sn BE a Se RS a rats Cee | ROMER Ye
(vii) Mortgages ee ea SS ae gee eg Mi pet See why gs ye Ok al iz
(er Goer re ee ee ew ee BREESE Test. Sage On
(id) ~ Velen? interest i pooled fumdts). = ee eed : | Srebapn
fae enereet i mastering =e |
(xi) Otherinvestments . . OEE ee ee
(xii) Total general investments (add nie (xi)) ot Dae rai esig asc ee
d_ Party-in-interest investments: Wy Uj Vp Yl
(i. EIEN go Sy ee ee as | as
(ii) \Gorperate stocks: (A) Preterveg: se a oe eee ‘
fits Co a) ere ee alas LC), ; Meek ES
re ee Pa ee ee | eo
DERE ITE OLR ETE ET RE eraeeey
(¥) > LOAns Ciner Pian mons a RS Pe eee eee eee (v) | aalsatedbane Sh AE we a
(vi) Otherinvestments . . . . Ratan eee Se MEE Nee ne eee ae ee!
(vii) Total party-in-interest iiiveiieinrte (add (i) thecal (vi) aber vey 2 | re sa w
Buildings and other depreciable property usedinplanoperation . .... . one me
f Value of unallocated insurance contracts (other than pooled separate accounts): Yyyyy Y Lf
ek: Seeeie aCe 3 Sn Ae Bits ting ih aac: Sas oy Ne | ke
(ii) Other. . . ES tight rsd Bara eS Sgt es | 2 a
(iii) Total (add (i) and (ii)) pie PROS ea gray On ee Go Gy 34s fe =
g Otherassets. .. Stas RR OS ie a oe
h Total assets (add a(iii), b(v), e(xii), d(vii, e, s, f(iii), nee whee ot Ga Ea
Liabilities YY yj Y Lf
Sy ete SOS ee ee RnR AP Rese eae ey Cea ene | | a re
(ii) Otherpayables . . . Se hee ee es ee ree rt es = | em maamn Se Se SRI
(iii) Total payables (add apaisidh (ii)) pas Se ge enge nates eet a A 4 bat ois? RO.
i Aenea eteainnne eS, Ses aa Sorin be | ie
k Otherliabilities . .. pine gt cacy ge a wee oye he eS SES Ek Se tembrkasencunceeeton nS Bear ReWer ROO’
! Total liabilities (add i, j, a k) Se oS | *
m Net assets (subtract | from h) Ch, ee Ser oe tS ee ee eee ie pe oo |
n During the plan year what were the: Yyyy Yf
(i) Total costs of acquisitions for common stock? . pee ed Se A Ga SE Oe ae ee BES as tue Wiese
(i) Total proceeds from dispositions of common stock? ASO ae eee tate eee Sei oe Lo

Form 5500 (1986 : _ Page 4

—_

14 Plan income, expenses and changes in net assets for the plan year.

Note: /nclude all income and expenses of a trust(s) or separately maintained fund(s) including any payments made for allocated insurance contracts.
Round off amounts to nearest dollar.

—— ~~ —--—--—- — — - ——_——_—--—_— —— — + —-—

Income (a) Amount (b) Total
a_ Contributions received or receivable in cash from— | Yy
(i) |Employer(s) (including contributions on behalf of self-employed individuals) | a(i) | Y
fe RR es et Fe es < YY
(iii) Others AN peeing ae = hone age ork ae ig oe eee
Wy yj
b Noncash contributions (specify nature and Ss whom paatie} > Lea tae OR TET Y
b

Total contributions (add total of a(iii) and b)

d_ Earnings from investments— /

arr am te Ve ea Seo rye ee gg ee aca | dCi) | -
Ne i ee
MN eS oe oe oe ee : //

oO

a i cn gc a gpcrciy ee.
e Net realized gain (loss) on sale or exchange of assets— Wy
eee i a a ee Yf
ee ORR 8 A eas ei EO
ee SE OP oe eS en Be a ee ire ee ee
eee ine See ae ei oe Ae ee ey gt YS ee oe ae ee aie f
es rows (GOs (AOC. CCUG 1) oa a eS ee a ee
Expenses (a) Amount (b) Total

h_ Distribution of benefits and payments to provide benefits—

he o ,
(i) Directly to participants or their beneficiaries . . . . ..... .4 h(i) | Yj Uf
z Y

(ii) Toinsurance carrier or similar organization for provision of benefits . . _ LG) |
(iii) To other organizations or individuals providing welfare benefits . . . . | Lili)

I Interestexpense es

j Administrative expenses— |
i eacba eed alewnnces a ea a ee ‘
ee ee ONG oe ke (il) |
(iii) \nsurance premiums for Pension Benefit Guaranty Corporation . . . . | (ili) | | |
(iv) \nsurance premiums for fiduciary insurance otherthan bonding . . . . | (iv) | Yj

iid > Omari nme ONOIIEBE. i ey ee LO ‘i
I I SN es a a i a adem sod nweswea pean eeu iowa. k
er eee RMIT UMM 1 Ges Se ee as a, wie Ves 4
i en Sere RE @MCISOS) (GUUNMCREMOIN GD) ok we hs Winn eee |
n Changes in net assets — L (a) Amount (b) Fatal
(i) Unrealized appreciation (depreciation) ofassets . . ...... .+4| n(i) | —_—
(ii) Net investment gain (loss) from all master trust investment accounts. . . . . . «| (ii) | //
ara Can emma TTY Be i ee a a (iii) |
o Net increase (decrease) in net assets forthe year(addmandn). ....... . . . . «L@
p Net assets at beginning of year (line 13m, column (a)) . Snag GH Oatoeiy nie ee Rae
q Net assets at end of year (add o and p) (equals line 13m, column(b)) . . . . . .
— No

15 All plans complete a, b, and c. Plans funded with insurance policies or annuity contracts also es dande:
a uring this plan year, was there a termination in the appointment of any person listed in b below

b Ifais ‘‘Yes,’’ check the appropriate box(es) and provide the name, position, address, and ees number of aE
the person(s) whose appointment has been terminated and an explanation for the termination:
(i) Trustee (ii) Accountant (iii) (_.] Insurance carrier (iv) Enrolled actuary a

(Vv) Administrator (vi) Investment manager (vil) Custodian >

ince el aa lnc alco Sas Aceh aah sg ls all hcl ss 1 TsO Bt Asap vk SSUES cs Wee a k's fs bah a h ce:< M h i'gh 10 sik : e A Se ag Sad a glans Ra la

Have there been any outstanding material disputes or matters of disagreement concerning the above termination? See instructions
d Have any insurance policies or annuities been replaced during this plan year?

ee eee pean for pes emrecerient © te ee a

e Atanytime duringthe planyearwasthe planfundedwith; = = ="
(i) (_] Individual policies or annuities, (ji) [.) Group policies or annuities, or (ii) [] Both.

2)

Form 5500 (1986)

16 Bonding:
a_ Was the plan insured by a fidelity bond against losses through fraud or dishonesty? .
If ‘‘Yes,’’ complete b through f; if ‘‘No,’’ complete only g.
b Indicate the number of plans covered by this bond
Enter the maximum amount of loss recoverable >
d Enterthe name ofthe surety company >»

-—<————— www ner nwr nn wr rr wr er rr OO wr Oe Oe Oe Oe er ee ee

oO

e Does the plan, or a known party-in-interest with respect to the plan, have any control or significant financial
interest, direct or indirect, in the surety company or its agents or brokers? . eee ere ce

f In the current plan year was any loss to the plan caused by the fraud or dishonesty of any plan official or
employee of the plan or of other person handling funds of the plan? .
If ‘‘Yes,’’ see specific instructions.

g_ If the plan is not insured by a fidelity bond, explain why not >

-~—<8-—-———8- = ee we ee we eww www wm wr wr er wr wr wr wr rr wr mr wr wr em er er wr ee er wr er wr wre wr ere wr er er er ew er er ewe er ere er er eer eee er wr er eee eer ere er eee ee wee eee ee eee eee eee

Page 5

“a

Ay

:

17 Information about employees of employer at end of the plan year:
a Does the plan satisfy the percentage tests of Code section 410(b)(1)(A)? If ‘‘No,'’ complete only b below and see

-

Yj

Specific Instructions . . . . . a
nn COMP IOIORS <<. NS) NelGziti 161: i Brciioos acl Ty aninanm Qi wil sig b '
c Number of employees excluded under the plan because of: Wy Yj
i> <eamrrnrs aee Gf vents OF SOIVIRS id) nolenaiyc) dccaiwetieie Nebeay edi cud ate pM
(ii) Employees on whose behalf retirement benefits were the subject of collective bargaining . . | (ii) |
(iii) Nonresident aliens who receive no earned income from United Statessources . . . . . {{iii)
(iv) Total excluded (add (i), (ii), and (iii)) heer | Civ) |
d Total number of employees not excluded (subtract C(iv)fromb) . . . . . .. . Ld i
enn Srerninnnr | SUCH VORGON) OR 8g os et So Bees PGA ROM Gee ree SO oe e
P cnprmyecs Gummie to participate (sultract @ from d) i: 666 8 enim oe eee cncke ae
een rer ee Ie UNAE 11 DMEM IDOI 6-85, ong! ho. oct DR OREIE Dim Soares Qi «ica oo
>. fy Employees participating (subtractgfromf). ... ... .... Pe ee ee ea ee 5
18 Is this plan an adoption of any of the plans below? (If ‘‘Yes,’’ check appropriate box and enter IRS serial number): | Yes | No
en) eaten orobatrpe lan; of <b Ti ciniformolan * cer lie so. SF ne oe en eee as. oe
___Enter the eight-character IRS letter serial number (see instructions) > WU.
19 a sit intended that this plan qualify under Code section 401(a)? fa BP, ae 2 See |
b Have you requested or received a determination letter from the IRS for this plan? |b | t
c Is thisa plan with Employee Stock Ownership Plan features? ..........2. 0. 0804 Cc
(i) If ‘‘Yes,"’ was a current appraisal of the value of the stock made immediately before any contribution of Lf
stock or the purchase of the stock by the trust for the plan year covered by this return/repart?. pe RS

___(ii)__ If (i) is “Yes,” was the appraisal made by an unrelated third party?

“ Me Ne See
20 a _ If planis integrated, check appropriate box:

(i) LJ Social security (ii) LJ Railroad retirement (ili) Other Yj
a

b Does the employer/sponsor listed in item 1a of this form maintain other qualified pension benefit plans? .
If ‘‘Yes,”’ list the number of plans including this plan >

——

21 a If this is a defined benefit plan, is it subject to the minimum funding standards for this plan year?
If ‘““Yes,’’ attach Schedule B (Form 5500).

b If this is a defined contribution plan, i.e., money purchase or target benefit, is it subject to the minimum funding
standards? (If a waiver was granted, see instructions.)

If “Yes,”’ complete (i), (ii), and (iii) below: Yj yf

—

(ii) Amount of contribution paid by the employer forthe planyear. . . ......~.~.
Enter date of last payment byemployer . . . B® Month Day Year

(iii) If (i) is greater than (ii), subtract (ii) from (i) and enter the funding deficiency here; otherwise
enter zero. (If you have a funding deficiency, fileForm5330.). .... ....~2.~,

(i) Amount of employer contribution required for the plan year under Code section 412 .

M

Form 5500 (1986)

22 Answer questions a, b, and c relating to the plan year. If a(i), (ii), (iii), (iv), or (v) is checked “Yes,” schedules of those 7

items in the format set forth in the instructions are required to be attached to this form.
a (i) Did the plan have assets held for investment? eae pd est eek, tsetse ee) Av
(ii) Did any non-exempt transaction involving plan assets involve a party known to be a party-in-interest?
(iii) Were any loans by the plan or fixed income obligations due the plan in default as of the close of the plan
year or classified during the year as uncollectable? . SF tag. 5g eS nis a ar omen one
(iv) Were any leases to which the plan was a party in default or éieuuified during the year as uncollectable?

Page 6
Yes

No
YY

7/

UT UL

(v) Were any plan transactions or series of transactions in excess of 3% of the current value of plan assets? . . | (v) | 4
b Is this plan exempt from the requirement that an accountant’s opinion must be attached to this form? BE ES Oa
c Ifbis “No,” attach the accountant’s opinion to this form and check the appropriate box. This opinion is:
(i) Unqualified
(i) Qualified/disclaimer per Department of Labor regulations 29 CFR 2520.103-8
(ill) Qualified/disclaimer other
(iv) Other (explain) > iis
23 a ls the plan covered under the Pension Benefit Guaranty Corporation termination
penance pragane eee  e Yes L] No [1] Not determined
b Ifais ‘‘Yes,”’ or ‘‘Not determined,” enter the employer identification number and the plan number used to identify it.
Employer identification number > Plan number > Yes | No
24 a_Is this plana top-heavy plan within the meaning of Code section 416 for this plan year? y a - ?
b fais “Yes,” complete (i), (ii), and (iii) below: Y Y Y Lf
(i) | Has the plan complied with the vesting requirements of Code section 416(b)? (i)
(ii) Has the plan complied with the minimum benefit requirements of Code section 416(c)? | ii) | a
(iii) _Has the plan complied with the limitation on compensation of Code section 416(d)? ia: Dia are | (iii)
25 Have any individuals performed services as a leased employee for any employer covered by this plan or for any YY yyy Yj
other employer who is aggregated with any employer covered by this plan under section 414(b), (c), or (m)?

If ‘‘Yes,’’ see instructions for completing item 17.

———- oo

26 a_ If the plan distributed any annuity contracts this year, did these contracts contain a requirement that the Seana
consent before any distributions under the contract are made in a form other than a qualified joint and survivor
annuity? ORES ART gS RDO I ER RISE EIS OE eC ed MER IS OE RE RUE NOLS UR SURI Sd CIEE Cet Era:

b Did the plan make tickibuliets to participants or spouses in a form other ae a qualified joint and survivor
annuity (a life annuity if a single person) or qualified preretirement survivor annuity (exclude deferred wes Ve
contracts)? .

c Did the plan make distributions or loans to married participants and beneficiaries without the required consent of

the participant’s spouse?
d Upon plan amendment or termination, do the accrued benefits of every participant include the subsidized

benefits that the participant may become entitled to receive subsequent to the plan amendment or termination? .

on

Uy;

om
_.

Yy J yy

THE YOUNG WOMEN’S CHRISTIAN ASSOCIATION RETIREMENT FUND INC. ONE MADISON AVENUE NEW YORK NY 10010 212 686 8630

Ra ave

ee te

—

WAIVER OF PARTICIPATION

WHEN FIRST ELIGIBLE

SECTION I - To be completed by Employee

Name of Employee

i

(Please Type or Print)

I have read the material given to me by my employing Association regarding

participation in the YWCA Retirement Fund. The benefits and privileges
have been explained to me and I fully understand them.

I understand that I will be first eligible to participate in the YWCA
Retirement Fund on . I. further understand that I
may, if I elect, voluntarily delay my participation but that I must, as a

condition of employment, begin participation no later than three years
following the date of my employment. I also understand that my contribu-

tions and Association contributions on my behalf do not begin until I have
enrolled as a Participant in the Retirement Fund.

Further, I understand that the Trustees of the Retirement Fund may revoke

this Waiver of Participation if, in their judgement, such revocation is
necessary to maintain the qualified status of the Retirement Fund.

Although I am now eligible to enroll in the Retirement Fund, lI hereby

elect to delay my participation; and I relieve my employing Association of
any responsibility for my decision not to participate in the YWCA Retire-
ment Fund in the event of my termination, retirement or death. I also
understand that I must enroll no later than the third anniversary

following the date of my employment by filing with the Retirement Fund, an
Application to Participate.

Employee Name Date of Employment
(Please Type or Print)

Third Anniversary of Date of Employment

Employee Signature

Date

SECTION II - To be completed by Employing Association

Name of Association

Address

Signed
(Please Print or Type)

Date

(SEND A COPY TO THE RETIREMENT FUND)

— ——EE ——————- - --——

THE YOUNG WOMEN’S CHRISTIAN ASSOCIATION RETIREMENT FUND INC. ONE MADISON AVENUE NEW YORK NY 10010 212 686 8630

NAWCAS

REQUEST FOR MATERIALS R-M

To be completed by Association and mailed to the Fund
Specify number of copies needed

ITEM UANTITY

APPLICATION TO PARTICIPATE & DESIGNATION
OF BENEFICIARY
FORM AP & B-1, Dated 1/87, 12/86, GREEN. =

WAIVER OF PARTICIPATION
FORM W-5, Dated 5/87, WHITE b)

CHANGE IN STATUS NOTICE
FORM CSN, Dated 11/85, SALMON ,

RETURN TO WORK NOTICE ©
FORM RWN, 8/85, YELLOW —

DESIGNATION OF BENEFICIARY
FORM B-1, Dated 12/86, WHITE )

INFORMATION ABOUT TAXES
FORM TAX, Dated 7/87, WHITE - 5

SUMMARY PLAN DESCRIPTION
BROCHURE - LAVENDER COVER -,

REQUEST FOR MATERIALS RM 2

Requested By
YWCA YWCA of Albany, Inc

Address -28 Colvin Ave. Alb NY 12206
(Street) (City) (State) (Zip)

Signed
Executive Director (or Authorized Individua
Date 9/22
“UND Checked By. Mailed By
JSE
JNLY Date nbchRe Date ....

cod

.YWCA RETIREMENT FUND PI Aye a Ac fl /,

ys , aft
ty) 4 ru

——— anne

* From the desk DOROTHY T. DALEY /, —
(eg) 6F6- Fé O GANL

Pebeuaey 7, 1983

To: Ms. Janet Biesemeyer
Executive Director
YWCA of Albany
28 Colvin Avenue : |
Albany, New York 12206

Re: EXPLANATORY FORMS

Please attach these explanatory forms

to the applications of persons whose

Date of Enrollment in a YWCA Retirement

Fund is more than one year later than

date their employment began.

DTD: jj

Effective Date of Participation is more than
12 months from Date of Employment because:
(check one)

Employee did not complete 1,000
hours in the first year of employment

Employee previously filed a waiver of
participation

Former CETA employee

OTHER (explain)

Summary Annual Report
September 1, 1988 - August 31, 1989

RM,

“no

Summary Annual Report for the
tee

g is a Summary of the annual report for the YWCA
Retirement Fund, Incorporated EIN 13-2903440 for September 1, 1988 to
August 31, 1989. The annual report has been filed with the Internal Revenue

service, aS required under the Employee Retirement Income Security Act of
1974 (ERISA).

Basic Financial Statement

Benefits under the plan are provided by a Trust. Plan expenses were $10,438,502.
These expenses included $1,194,212 in administrative expenses, $8,886,031 in
benefits paid to participants and beneficiaries, and $358,259 in other expenses. A
total of 9,534 persons were participants in or beneficiaries of the plan at the end of
the plan year, although not all of these persons had yet earned the right to receive
benefits.

The value of plan assets, after subtracting liabilities of the plan, was $207,309,025
as of August 31, 1989, compared to $174,272,753 as of August 31, 1988. During
the plan year, the plan experienced an increase in its net assets of $33,036,272.
This increase includes unrealized appreciation or depreciation in the value of the
plan's assets; that is the difference between value of the assets at the end of the
year and the beginning of the year or the cost of assets acquired during the year.
The plan had total income of $19,201,774, including employer contributions of
$3,347,843, employee contributions of $3,239,035, loss of $867,088, from the sale
of assets, and earnings from investments of $13,481,984.

YWCA Retirement Fund
GREE ee

Minimum Funding Standards

Enough money was contributed to the plan to keep it funded in accordance with the
minimum funding standards of ERISA.

Your Rights to Additional Information

You have the right to receive a copy of the full annual report, or any part thereof,
on request. The items listed below are included in that report.

1. An independent auditors’ report:
2. Assets held for investment;
3. Transactions in excess of 5 percent of plan assets.

To obtain a copy of the full annual report, or any part thereof, write or call the
office of Albert B. Candido, who is Executive Director of the YWCA Retirement
Fund, One Madison Avenue, New York, New York 10010, telephone (212) 686-8630.
The charge to cover copying costs will be $1.40 for the full annual report or $.10
per page for any part thereof.

You also have the right to receive from the plan, on request at no charge, a state-
ment of the assets and liabilities of the plan and accompanying notes*, or a state-
ment of income and expenses of the plan and accompanying notes*, or both. If you
request a copy of the full annual report from the plan, these two statements and ac-
companying notes will be included as part of that report. The charge to cover copy-
ing costs given above does not include a charge for the copying of these portions
of the report because these portions are furnished without charge.

You also have the legally protected right to examine the annual report at the office
of the YWCA Retirement Fund, Inc., One Madison Avenue, New York, New York
10010, and at the U.S. Department of Labor in Washington, D.C., or to obtain a
copy from the U. S. Department of Labor upon payment of copying costs. Requests
to the Department should be addressed to: Public Disclosure Room, N4677, Pen-

sion and Welfare Benefit Programs, Department of Labor, 200 Constitution Avenue,
N.W., Washington, D.C. 20216.

*These portions of the full annual report are included with the CERTIFIED
FINANCIAL STATEMENTS on pages 6-8.

Additional information follows

The Young Women’s Christian Association Retirement Fund, Inc.

KPMG Peat Marwick
Certified Public Accountants
345 Park Avenue

New York, NY 10154
212-758-9700

Independent Auditors’ Report

The Board of Trustees
The Young Women’s Christian Association Retirement Fund, !nc.:

We have audited the accompanying statements of net assets available for pension benefits of
The Young Women’s Christian Association Retirement Fund, Inc. as of August 31, 1989 and 1988,
and the related statements of changes in net assets available for pension benefits for the years
then ended. These financial statements are the responsibility of the Plan’s management. Our
responsibility is to express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with generally accepted auditing standards. Those
standards require that we plan and perform the audit to obtain reasonable assurance about
whether the financial statements are free of material misstatement. An audit includes examining,
on a test basis, evidence supporting the amounts and disclosures in the financial statements. An
audit also includes assessing the accounting principles used and significant estimates made by
management, as well as evaluating the overall financial statement presentation. We believe that
our audits provide a reasonable basis for our opinion.

In our opinion, the financial statements referred to above present fairly, in all material respects,
the net assets available for pension benefits of The Young Women's Christian Association Retire-
ment Fund, Inc. as of August 31, 1989 and 1988, and changes in net assets available for pension
benefits for the years then ended in conformity with generally accepted accounting principles.

KPMG Peat Marwick
December 15, 1989

Statements of Net Assets Available for Pension Benefits

August 31, 1989 and 1988 (Thousands) 1989 1988
Assets:
Investments, at current value:
Short-term notes and investment funds $ 53,388 $ 57,148
Bonds 81,672 57519
Preferred stocks 663 558
Common stocks 68,631 57,260
204,354 172,485
Cash in banks and on hand 1,234 1,071
Accrued interest receivable 1,989 ttar
Equipment, at cost, less accumulated depreciation of
$312 in 1989 and $287 in 1988 21 49
Other assets 10 11
Total assets 207,608 175,343
Liabilities:
Due to broker for securities purchased 178 997
Accrued expenses 96 48
Unpaid claims 8 8
Reserve for unemployment insurance 16 18
Net assets available for pension benefits $207,310 $174,272

See accompanying notes to financial statements.

Statements of Changes in Net Assets
Available tor Pension Benefits

Years ended August 31, 1989 and 1988 (Thousands)

Additions:
Contributions from employees

Contributions from associations: Regular 6%

Income from investments:
Interest (including net bond discount amortization
of $46 in 1989 and $52 in 1988)
Dividends

Less custodian fees and investment expenses

Gifts and legacies

Net gain on sales of investments
Unrealized gain on investments
Miscellaneous

Total additions

Deductions:

Benefits, other payments and expenses:
Annuities paid
Lump-sum distributions
Transfers to unpaid claims account
Refunds of employee payments:
Non-vested participants
Vested participants
Voluntary deductible employee payments
Refunds to Associations-overpayments
Administration:
Budgeted expenses
Depreciation on equipment
Unrealized loss on investments
Net loss on sale of investments
Miscellaneous

Total deductions
Net assets available for pension benefits:
Net increase (decrease) for the year
Balance at beginning of year
Balance at end of year

See accompanying notes to financial statements.

1,908
11
27

1,166
28

867
30
10,948

33,038

174,272

$207,310

320
1,730
42

16

1,135
28
22,419

21

32,320

(12,081)
186,353

$174,272

”"

RNodoa

The Young Women’s Christian Association Retirement Fund, Inc.

Notes to Financial Statements

August 31, 1989 and 1988

(1) Summary of Significant Accounting Policies
(a) Basis of Presentation

The accompanying financial statements have been prepared on the accrual basis and present the net
assets available for pension benefits and changes in those net assets of The Young Women's Christian
Association Retirement Fund, Inc. (the Plan).

(b) Investments in Securities

investments are stated at current value. The current value of marketable securities is based on quota-
tions obtained from national securities exchanges; where marketable securities are not listed on an ex-
change, quotations are obtained from brokerage firms. The cost of investments at August 31, 1989 and
1988 was $172,747,352 and $165,152,260, respectively.

Securities transactions are recognized on the trade date (the date the order to buy or sell is
executed). Dividend income is recorded on the ex-dividend date.

(c) Equipment
The recorded value (cost, less accumulated depreciation) of equipment approximates current value at

August 31, 1989 and 1988.
Equipment is depreciated on a straight-line basis over a five-year estimated useful life.

(2) Plan Information

The following brief description of the Plan is provided for general information purposes only. Participants
should refer to plan documents for more complete information.

The Plan is a defined contribution plan established to provide retirement, death and disability benefits
for eligible employees of participating Young Women’s Christian Associations. The Plan also provides a
small fixed benefit for years of service within a specified period, such benefit being a very minor part of
the Plan. Normal retirement allowances are paid to participants who terminate after age 65 with 2 years
of service. Early retirement allowances are paid to participants who terminate after age 55 but before
age 65 with 2 years of service. Vested retirement allowances are paid to participants who terminate with
2 years of service. The early and vested retirement allowances are payable at age 55, or any time
thereafter, until age 65.

The Plan’s funding policy requires all contributions to be remitted monthly. In the event of disconti-
nuance of the Plan, the interests of affected participants in their accumulated Association payments
shall be non-forfeitable.

Effective September 1, 1989 and 1988, retired participants and beneficiaries of retired participants,
whose names were in the Register as of August 31, 1989 and 1988, respectively, and were still living on
September 30, 1989 and 1988, respectively, were granted an increase for life over the monthly retire-
ment allowance payable on August 31, 1989 and 1988, respectively, which was equal to an increase of
five-twelfths of 1% and seven-twelfths of 1%, respectively, for each month such participant or
beneficiary had been on the annuity payroll as of August 31, 1989 and 1988, respectively, with a max-
imum increase of 5% and 7%, respectively.

(3) Federal Income Taxes

The Internal Revenue Service has issued a determination letter stating that the Plan meets the re-
quirements of Section 401 of the Internal Revenue Code and, therefore, is exempt from Federal income
taxes.

(4) Lease Commitment

The Plan is obligated under a lease agreement for office space. The lease agreement calls for minimum
monthly payments of $7,810 for the period May 1, 1987 through expiration on April 30, 1992.
The Plan's lease commitments for office space are approximately as follows:

Year ending

August 31 Commitment
1990 $ 94,000
1991 94,000
1992 62,000

$ 250,000

Rent expense, including escalation charges, amounted to $123,726 and $110,369 in 1989 and 1988,
respectively.

Additions to the Annuity Roll

Constance L. Abent
Marie K. Adams
Genne J. Addison
Robert Akerman
Inez Anderson
Suzanne Astrove
Bonnie Jean Bailey
Evelyn H. Bodenheimer
Marjorie T. Bowen
Beverly J. Brainard
Hollis M. Brown
Russell H. Burke
Harriet C. Camp
Beverly Chappie
Shirley Colligan
Beatrice Conners
Frances F. Corrow
Marie J. Pierce Cowser
Marvin D. Culiver
Doris P. Davis
Velma Delamarter
Dorothy Deutsch
Melba Dickison
Elizabeth Doelker

Willie Edwards
Cordelia Ennis
Edith K. Fagan
Anita Field

Raissa Galitzin
Margaret A. Gibson
Von Dell Glaser
Yvonne B. Hall
Oswald C. Harris
Jane Heckman
Phyllis E. Henderson
C. Bernice Holland
Sonja E. Horton
Marilu Jenkins
Gadsen A. Jones
Beverly R. Joyce
Lucile Layne
Mildred Lebo

Rita Lefevre

Lois D. Logan

Jo Ann R. Lyon
John McGhee
Naomi Menke
Laverne |. Montroy

Julia S. Murray
Joanne K. Nichol
Barbara T. Oddis
Valeria M. Ogden
Ara Mae Parker
Alma Patecky
Jean D. Pollak
Grace M. Pritchard
Sweetie D. Purry
lrene Rainey
Eloisa C. Reed
Willie Reynolds
John Sloan
Suzanne M. Snyder
Hassel D. Sosebee
Murphy C. Stephens
Miroslav Tenkner
Catherine S. Thiele
Lois |. Wade
Juanita E. Webb
Dorothy Wefing
Lily White

Betty C. Widmayer
Jack K. C. Yeh
In Memoriam
ee ee Se eo Se

Deaths Before
Retirement

Miriam K. Atkins
Puzant ‘‘Pete’’ Babikian

Mary Faulkner
Betty Freeman
Theodore Henry
Rodney Hicks
Carol Matkovic
Gerald Oliphant
Jorge Perez
Nancy Preston
Shirley Rader
Mary Scurdy
Cleo Thomas
Sally D. Vernon

Deaths After
Retirement

Fay Allan
Madeline Allen
llione Baldwin

Elizabeth Burnham Baldwin

Essie Beaty

Eleanor Llewellyn Bennett

Miriam Black
Blanche Brown
Dorothy C. Brown
Dorothy Bull

Mary Cano
Gertrude L. Carey
Clelan Chalker
Ignacio Davila
Doris W. Dealaman
Nellie Donegan
Imogene A. Dubois
Esther Eakin
Maude A. Fansler
Catherine Ferguson
Bessie L. Few
Ethel Fischetti
lrene Fittje

Dora E. Franks
Jeanette C. Gabel
Marjorie Gordon
Dorothy J. Green
Viola G. Guzzetti
Melissa M. Hogue
Joseph Hancock
Rose Lee Hartman
Bertha W. Hatting
Henry Heflin
Bernice L. Hemphill
Lavina Hess

Ann Hurd

Ruth P. Isenberg
Elizabeth Jackson
Harry E. Jens
Alma D. Kearney
Emil G. Kraeuter
Edith Lerrigo
Meeta Liiv

Ben Loats

Henry Lysy
Elizabeth MacDonald
Elsie Maier
Gertrude McDaniel
Marie Miller
Elizabeth O. Milne
Goldie E. Mitchell
Catherine Mohr
Frances Munn
Ethel Neighbours
Henry Neil

Wanda S. Pasick
Frieda L. Peters
Isabelle G. Peterson
Juanita Phillips
Myrtle Robe
Hildegard Ross
Helen Rush
Barbara Sargent
Allegro H. Schlegel
Stella Scurlock
Theresa C. Shea
Nellie M. Siegfried
Beatrice A. Smith
Ida Sloan Snyder
Carmen Stone
Laura M. Stukes
Anne Sutherland
Vivian S. Sweeney
Katherine Thompson
Surelda P. Thornton
Ludema Thorson
Helen J. Tracy
Margaret Triplett
Gladys Van Duren
Helen Vyborny
Katherine Walker
Ruth Walker
Florence Warren
Hannah Watkins
Lola M. Weeks
Elaine C. Welch
Bridie West

Gladys Wilson

Board of Trustees

Carol H. Baldi, President
Carol H. Baldi, Inc.

420 Lexington Avenue
New York, NY 10017

Richard W. Taylor, Vice President
Kidder, Peabody & Company Inc.
20 Exchange Place

New York, NY 10005

Margaret S. Neilly, Treasurer
Shearson Lehman Hutton
100 East 42nd Street

New York, NY 10017

Gwendolyn C. Baker, Secretary
National Board, YWCA of the USA
726 Broadway

New York, NY 10003

Paul L. Baldi
Attorney

420 Lexington Avenue
New York, NY 10017

Mildred E. Morrison
Mellon Bank

Three Mellon Bank Center
Pittsburgh, PA 15259

Glendora M. Putnam

National Board, YWCA of the USA
726 Broadway

New York, NY 10003

Executive Staff

A. B. Candido
Executive Director

Nancy R. Jackson
Assistant Executive Director

Marie B. Loughlin
Director of Finance

Medical Board

Dr. Gail S. Williams, Chairperson
Dr. Candace Walworth
Dr. Barbara Fields

Custodian
The Chase Manhattan Bank, N.A.

Actuaries

George B. Buck
Consulting Actuaries, Inc.

Auditors
KPMG Peat Marwick

Attorneys

Lee, Toomey & Kent
Washington, D.C.

The Young Women’s Christian
Association Retirement Fund Inc.
One Madison Avenue

New York, NY 10010

Ed-5-90

YWCA

of the U.S.A.

February 14, 1990
Dear YWCA Executive Director:

We have long been interested in seeing that our YWCA
employees, whose lives are largely dedicated to serving
others, are encouraged to build a better future for
themselves. Investing in the Retirement Fund empowers
them by helping ensure their own future financial
independence.

To make participation in the Fund as attractive as
possible for our people, we have been working closely
with YWCA Retirement Fund President Elect Carol H.
Baldi, its Board of Trustees and its Executive
Director, A.B. Candido, to improve and enhance its
provisions.

It therefore gives us great pleasure to endorse the new
liberalizations that the Trustees of the Retirement
Fund have approved for all active and retired
participants. We believe participation in the Fund
offers an opportunity no employee should miss.

We want to have every eligible employee in every
Association throughout the U.S. enroll in the Fund now
to take advantage of its benefits. You can help.
Explain the advantages of participation to your
employees. After a lifetime of work devoted to caring
for others, they deserve the secure retirement that the
Fund will help them to achieve.

In addition to the reduction in contributions for the
employees, the Association's administrative fee of 1
percent for the fiscal year beginning September 1,
1990, will be eliminated, thus lowering the
Association's payment obligation from 6 percent to 5
percent for one year.

We look forward to getting together with you at the

mid-Triennium meetings in March, so that we can share
our hopes and concerns and our enthusiasm for the

future of the YWCA with you.

Gwendolyn Calvert Baker Glendora McIlwain Putnam
National Executive Director National President

Sincerely,

National Board
Y.W.C.A. of the U.S.A.

726 Broadway

New York, NY 10003
212-614-2700

Fax: 212-677-9716

National Board

Glendora Mcllwain Putnam
President

Rita Marinho Moniz
Vice President, Headquarters

Betty W. Fong
Vice President at Large

Evelyn Lowe Atwater
Vice President, Eastern States

Stella Borrego Edmondson
Vice President, Mid-States

Joyce W. Jaynes
Vice President, Western States

Marla Durden
Vice President, Ex-Officio

Olga Madrid
Secretary

Marilynne T. Keyser
Treasurer

Pauline Allen Strayhorne
Assistant Treasurer

Gwendolyn Calvert Baker
Executive Director

A.B. Candido
Executive Director

The Young Womens Christian Association Retirement Fund Inc. © One Madison Avenue, New York, NY 10010 © 212 686 8630 Fax: 212 545 7045

February 14, 1990
Dear YWCA Executive Director:

I am very pleased to inform you that the Board of Trustees
has approved significant liberalizations to the YWCA
Retirement Fund.

The liberalized program should have a highly positive impact
on you as an employer, and should help further your efforts
to attract and retain employees.

Enclosed are brochures which describe the new provisions of
the Fund to employees. Please distribute these brochures to
every employee who is a participant or may become eligible
to participate.

According to the by-laws of the YWCA, Associations are
required to participate in the Retirement Fund and offer its
benefits to all eligible employees. Further, every eligible
employee must enroll in the Fund before September 1, 1990,
in order to be given the advantage of the generous new
benefits.

Please note that there are those who became YWCA employees
after Jan. 1, 1987, became eligible to join after one year
but did not have to join for three years. Those employees
may no longer defer enrollment past September 1, 1990.

Here are the new provisions. For the Fund's fiscal year
which begins September 1, 1990, the required employee
contribution rate of 5 percent of earnings will be reduced
to 2 percent with no reduction in the amounts credited to
her account during that fiscal year. (For employees whose
required contribution rate is 3.5 percent, the contribution
reduction will be to 1.4 percent, with no reduction in the
amount credited to the employee's account.)

For example, an employee earning $1,000 a month is now
required to contribute $50 (5 percent), and receives a $50
matching employer contribution. For the fiscal year
starting September 1, 1990, that employee will be required
to contribute only $20 a month, while continuing to receive
the $50 matching employer contribution, plus a $30
contribution credit. In effect, the employee will
contribute $20 per month and have an additional $80 added to
her account.

This 3 percent reduction in required employee contributions
will have the effect of increasing an employee's take-home
pay by about 3 to 5 percent.

Association contributions for the year starting September 1,
1990, will be reduced to 5 percent, with no 1 percent
administration charge.

All employees who are enrolled as active participants on or
after September 1, 1990, will be 100 percent vested in their
entire account balances.

The Trustees have also decided that effective September 1,
1990, the monthly amounts of pension being paid to all
retired YWCA employees or their beneficiaries will be
increased by 10 percent, payable for life. Notification of
the increase will be sent by the Fund to those retirees.

Similarly, those persons who retire during the fiscal year
beginning September 1, 1990, will have the amount of their
annuities increased by 10 percent over the amount they would
otherwise have been eligible to receive.

The Trustees are pleased that the sound financial structure
of the YWCA Retirement Fund enables them to provide these
liberalizations. Please note that these provisions apply
for the time frames indicated. Do not assume in your
planning that they will be extended beyond these dates.

We rely on your leadership in bringing these liberalizations
to the attention of your employees, so that all employees
are given the opportunity to obtain the financial advantages
available to them by enrolling in the program.

To avoid administrative problems, it is imperative that all
required contributions for the current fiscal year be paid
to the Fund on a timely basis. We will send you more
complete instructions on how your payments for the September
1, 1990, fiscal year should be paid.

I look forward to seeing you at the YWCA's mid-Triennium

meetings in March, during which we will explain the changes
in the Fund in greater detail. Of course, you may phone or
write to us at any time for any clarifications you may want.

Sincerely,

Of Bled hy

A. B. Candido
Executive Director

vy Plan Sponsor Fiscal Year Beginning _

on 5500-R

Department of the Treasury
Internal Revenue Service

Department of Labor
Pension and Welfare Benefits Administration

Pension Benefit Guaranty Corporation

_ Ending

———__—-- - — — eee

Registration Statement of Employee Benefit Plan

(With fewer than 100 participants)

This form is required to be filed under sections 104 and 4065 of the
Employee Retirement Income Security Act of 1974 and sections

6039D and 6058 of the Internal Revenue Code.

OMB No. 1210-0016

1987

Amended [_]

This Form is Open
to Public Inspection

For the calendar plan year 1987 or fiscal plan year beginning September _]_. 1987, and ending August 31, 1988 .

One-participant plans file Form 5500EZ for 1987 (see page 1 of the instructions).
Plans described in Code section 6039D, complete the applicable box 5e, 5f, or 5g, and see the instructions.

Do NOT file this form for the plan’s first year or for the plan's final return/report. Instead file Form 5500-C. (See

Check this box if an extension of time to file this return is attached .

> If you have been granted an extension of time to file this form, you must attach a copy of the approved extension to this

> Type or complete In Ink and file the original. If any Item does not apply, enter N/A.”

Use
IRS
label.
Other-
wise,
please
print

or type.

Address (number and street)

Albany, NY 12206

2a Name of plan administrator (if same as plan sponsor, enter ‘‘Same’’)

oard of Trustees, YWCA Retirement Fund, Inc.
Address (number and street)

la Name of plan sponsor (employer, if fora single employer plan)

|

instruction A.)

ae

form.

1b Employer identification number

14! 1340017

le Sponsor's telephone number

28 Colvin Avenue (518 )438-6608
ra ENE 45G-0008-

City or town, state, and ZIP code

1d If plan year changed since last
return/report, check here >

O
2b Administrator's employer identification number
13 | 2903440

2c Administrator's telephone number

One Madison Avenue ( 212 ) 686-8630 _

City or town, state, and ZIP code

r New York 10010

3 Is the name, address, and identification number of the plan sponsor and/or plan administrator the same as they appeared on the last

return/report filed for this plan? .

If ‘‘No,’”’ enter the information from the last return/report in a and/or b.

a Sponsor’sname

(iii) () Check this box if this is a Keogh (H.R. 10) plan.

plan (other)

4d Is this return/report being filed for a multiple-employer

[J Yes [JNo

5 Type of plan (Check applicable boxes):
a OU) Defined benefit

GJ Defined contribution (money purchase or profit-sharing) f

b
c O) Welfare benefit
d () Other (specify) >

6 Plan information:

e (J) Code section 120 (group legal services plan)

CL) Code section 125 (cafeteria plan)

g ) Code section 127 (educational assistance program)

If you checked e, f,
CL)

a Was this plan terminated during this plan year or any prior plan year?

b = If ais ‘‘Yes,’’ were all trust assets distributed to participants or beneficiaries, transferred to another plan, or

brought under the control of PBGC? .

©

N/A] ¢

Was this plan amended during this plan year to reduce any participant's accrued benefits? a ee
d If this is a defined benefit plan or a defined contribution plan subject to the minimum funding standards, has the
plan experienced a funding deficiency for this plan year (defined benefit
If dis ‘‘Yes,’’ have you filed Form 5330 to pay the excise tax?

f — Is this plan covered under the Pension Benefit Guaranty Corporation termination

insurance program? .

g Total participants (i) Beginning of plan year >

See back of form for additional questions.
Under

.- 319/89...

Date > _

Date &
For Paperwork Reduction Act Notice,

penalties of perjury and other penalties set forth in the instructions, | declare tha
and to the best of my knowledge and belief, it is true, correct, and complete.

Signature of employer/plansponsor > . Lp _. Lato om.

Signature of plan administrator >
see page 1 of Form 5500-R instructions.

Page 2

plans, attach Schedule B (Form 5500))?

(ii) End of plan year >

or g, check whether this plan Is

funded or [C] unfunded. (See instructions Se, f, andg.)

Yes | No

X

of |_ a ->—__—_—— ~~ ——
|

_b | NAA

c
- 3
{|
.le
LJ Not determined

Form 5500-R (1987;

X

= F

Form 5500-R (1987) If any item on this page Is not applicable, enter “N/A.” Tr 2

6 Plan information: (continued) | Yes |
h If plan benefits were provided by an insurance company, insurance service or similar organization, enter the y/ Y/ 7 iY
number of Schedules A (Form 5500) attached. . .
N/A | (i) Was any participant(s) separated from service with a ‘dideried voli bait for which a Schedule SSA
(Form 5500) is required to be attached?.

| Ifais ‘‘Yes," and the plan is covered by PBGC, is the plan continuing to file a PBGC Form 1 and pay premiums

(ii) \f ‘‘Yes,”’ enter the number of separated participants painiived to be repoited. a ae =i Uh

_ until the end of the plan year in which assets are distributed or brought under the control of PBGC? .

7 Fiduciary information during this plan year:
a Did any plan fiduciary who is an officer or employee of the plan sponsor receive compensation from the plan for

his or her services to the plan? . eeu e a oe © @ a's % si
b Did the plan acquire any qualifying eeitloyer security or qualifying employer real property, when srenadinsiy.

N/A after such acquisition the aggregate fair market value of employer securities and employer real property held by

the plan exceeded 10% of the fair market value ofthe planassets? . . . . . . . we ee eee b

c Did the plan receive any non-cash contributions? . . . ;, fe

d Has any employer owed the plan contributions which were more —— 3 onetiies ust dos _— the _— of the y |
plan?

e Were any loans the plan made or fixed income obligations due the plan in default as of the end of the plan year, ai
orclassified asuncollectible? . 2. 2. 1... kk
f Were any leases to which the plan was a party in default or classified as uncollectible? . . . ...... yi |
g Party-in-interest information: YY yy} Yy

(i) Did the plan lend assets to, borrow from, or guarantee any indebtedness of a party-in-interest? .

(ii) Has the plan purchased any assets from or sold any assets to a party-in-interest? . Dee ee ee

(iii) Has the plan leased property to or froma party-in-interest?. . . . . . . . ee ani |

* U.S.GPO:1987-0-183-281

Item 6 (g)

Because of central maintenance of vesting records, this information is not
available on the basis of individual participating employers. The total number
of participants and annuitants in this Plan as of the end of 1986-87 plan year
was 9,061. The total number of participants and annuitants in this Plan as of

the end of 1987-88 plan year was 8,845.

TO EXECUTIVE DIRECTORS OF PARTICIPATING ASSOCIATIONS FROM A. B. CANDIDO, EXECUTIVE DIRECTOR

February 24, 1989

RHAKAKAKARKAARKAKAKAKARAAAKAKAAAKAAKAAAAAARAAAAKAAARARAAARAAAKAAAKAKAAAAKAKS

Report to IRS Form 5500-R
Must be ftled by each Participating Assoctatton
ON OR BEFORE MARCH 31, 1989

A 5500-R Form and Information About Filing are attached.

HM HAAAAAAKAAKAAAAA
tH KAKAKAAKAAAKAKAAKA

AA KKAAKKAKRAAAAKKARKKAAKAAKAKRARKRAAKAAAKRAKAARRAAARAAKAAAARAKAKAAARAAAARR

ONE MADISON AVENUE NEW YORK NY 10010 212 686 8630

THE YOUNG WOMEN’S CHRISTIAN ASSOCIATION RETIREMENT FUND INC. ONE MADISON AVENUE NEW YORK NY 10010 212 686 8630
Regn

Internal Revenue Service: FORM 5500-R
Information About Filing - For Participating Associations

FORM TO BE FILED THIS YEAR: 5500-R
FILING DATE: ON OR BEFORE MARCH 31, 1989

All Participating Associations of the YWCA Retirement Fund must file, on an annual
basis, FORM 5500. The following information is provided to assist you with this
filing:

All Participating Associations Must File

You must file annually even if you have no active Participants during the
year which is being reported.

Uniform Cycle of Filing

Filing dates are related to the Plan Year of the Fund, not to the fiscal
year of the Participating Association.

There are two different forms: 5500-C and 5500-R. The form to be used will

depend on the filing year. A uniform cycle has been established by IRS.
Each year the Fund will advise you about which form is to be filed.

Filing Dates

Each year you must file on or before the last day of the 7th month following
the close of the Fund's fiscal year.

The Fund's fiscal year is:
September 1 through August 31.
The filing date for all participating Associations is March 3lst.
This Year's FORM and Filing Date ~
This year you must file FORM 5500-R. The Form is marked 1987.
It covers the Fund's fiscal year September 1, 1987 - August 31, 1988.
The filing date for your 1987 Form 5500-R is on or before:
MARCH $1, 1989

Completing Your FORM

The FORM which you need to complete this year is enclosed. Please note this
is not a SAMPLE Form. It is the Form which you will need to complete and
file.

Continued ...

Completing Your Form (Cont'd)

We have already entered the information that is to be provided by the Fund.

You will need to provide the answers for all of the items marked with an
X, as follows:

°At the top of page one, fill in the dates of your fiscal year.
°Item 1(a) Association Name and Address.

°ITtem 1(b) Your Employer Identification Number.

°Ttem 1(c) Your phone number.

°Your Signature and Date.

Please note that some sections are already filled in with N/A. This means
that these sections are Not Applicable.

Please note that for the purposes of this Form:

The "Plan Sponsor" is the Employing Association.

The "Plan Administrator" is the YWCA Retirement Fund.

Mailing the FORM

Mail your completed Form directly to the Internal Revenue Service.
Be sure to keep a copy for your files.

Please send a copy to the Retirement Fund Office at the same time you mail
your Form to the IRS.

Questions - Additional Information

If you have any questions about the procedures to be followed, please let us
know.

Contact: A. B. Candido
Executive Director
Phone: 212/686-8630

2/89

. Plan Sponsor Fiscal Year Beginning April 1 Ending March 31

om IIOO-C

Department of the Treasury
Internal Revenue Service

OMB No. 1210-0016

1988

This Form Is Open
to Public Inspection.

August 31 ,1989

Return/Report of Employee Benefit Plan

(With fewer than 100 participants)

This form is required to be filed under sections 104 and 4065 of the Employee
Retirement Income Security Act of 1974 and sections 6039D, 6057(b), and

6058(a) of the Internal Revenue Code, referred to as the Code.

Department of Labor
Pension and Welfare Benefits Administration

Pension Benefit Guaranty Corporation

For the calendar plan year 1988 or fiscal plan year beginning -
If your plan year changed since the last return/report filed, check this box >.

$$ _____

September 1]. ,1988, and ending

Type or print in ink all entries on the form, schedules, and attachments. If an item does not apply, enter “N/A.” File the originals.

If (/) through (iii) do not apply to this year’s return/report, leave the boxes unmarked. This return/report is:
(i) [| the first return/report filed for the plan; (ii) [ an amended return/report; or (ili) [ the final return/report filed for the plan.

> Welfare benefit plans and fringe benefit plans need only complete certain items or may not be required to file—see instructions “What to File.”
> One-participant plans file Form 5500EZ for 1988.

> Ifyou have been granted an extension of time to file this form, you must attach a copy of the approved extension to this form.

= ee —E

Use la Name of plan sponsor (employer, if for a single-employer plan) lb Employer identification number
x IRS YwCA of Albany 14 : 1340017 X
Vabel,,©§ _—_ AAR —— — :
Other: Address (number and street) lc Telephone number of sponsor
X wise, 8 Colvin Avenue ( 513 438-6608 x
| please AAA —-- —_____§
print City or town, state, and ZIP code 1d Business code number
Xx or type. Albany, NY 12206 9319
2a Name of plan administrator (if same as plan sponsor, enter ‘‘Same’’) le CUSIP issuer number
Board of Trustees, YWCA Retirement Fund, Incorporated N. A.
Address (number and street) 2b Administrator's employer identification no.
One Madison Avenue ee 13: 2903440
City or town, state, and ZIP code 2c Telephone number of administrator
New York, NY 10010_ (212) 686-8630

—— —-- ——- —_—— —_____ —— ——__--_

3 Are the name, address, and employer identification number (EIN) of the plan sponsor and/or plan administrator the same as they appeared on the last
return/report filed for this plan? [X] Yes [_] No If ‘‘No,”’ enter the information from the last return/report in a and/or b, and complete c.

SB SPOS cn ew ewewweueded ane sawkcedeweeewae nce. EIN ___-_ oes Plannumber_____________________.

b Administratorm EIN __-__ ee.

c If aindicates a change in the sponsor's name and EIN, is this a change in sponsorship only? (See specific instructions for definition of sponsorship.)

[} Yes L] No ne
4 Check box to indicate the type of plan entity (check only one box): ¢ L] Multiemployer plan f Xl Exceptions to (b) and
: a [_] Single-employer plan d [_] Multiple-employer-collectively-bargained plan (e). (See instructions for
b [_] Plan of controlled group of corporations or common controlemployers _e LJ Multiple-employer plan (other) line 4f.)
| 5a (i) Nameofplan»_The Young Women's Christian Association 5b ati iF of plan
9/1/25

(ii) (_) Check if name of plan changed since the last return/report Sc Enter three-digit
plan number .

6a Welfare benefit plan (plan numbers 501 through 999) must check applicable items A through P and 6c

(i) [J Type | FL] Temporary disability (accident KL] Scholarship (funded)
AL] Health (other than dental or vision) and sickness) L LJ Death benefits other than life insurance
B [_] Life insurance GC] Prepaid legal ML] Code section 120 (group legal services plan)
C [_] Supplemental unemployment H [] Long-term disability N L] Code section 125 (cafeteria plan) _
D C] Dental | [_.] Severance pay OL] Code section 127 (educational assistance plan)
E [_] Vision JU Apprenticeship and training PL] other (specify)

(ii) \f you checked M, N, or O, check if plan is: [_] funded or [_]unfunded

6b Pension benefit plan (plan numbers 001 through 500) must check applicable items in (i) through (vii) and answer 6c through 6f.
(i) CJ Defined benefit plan

(ii) L] Defined Gontribution plan—(indicate type of defined contribution): (A) LJ Profit-sharing (B) J Stock bonus (C) CJ Target benefit

(vii) L) Other (specify) >

Under penalties of perjury and other penalties set forth in the instructions, | declare that | have examined this return/report. includin accom i hedul
statements, and to the best of my knowledge and belief it is true, correct, and complete. (report . ees

X Datem __ 4/ 20/90 Beatin Signature of employer/plan sponsor » _Mbaaricke ; Maa eA 7

Date > Signature of plan administrator >
For Paperwork Reduction Act Notice, see page 1 of the Instructions.

Form 5500-C (1988)

Form 5500-C (1988)

6c Other plan features: (i)_] ESOP (ii) L_] Leveraged ESOP (iii) () Participant-directed account plan
(iv) L] Pension plan maintained outside the United States (v) [_] Master trust (see instructions)
(vi) (_] 103-12 investment entity (see instructions) (vii) [_] Common/Collective trust ( viii) LI Pooled separate account.

d Single-employer plans enter the tax year end of the employer in which this plan year ends ® Month Day Year

e Is the employer a member of an affiliated service group? ;
f Does this plan contain a cash or deferred arrangement described in Code section 401 k) ? ,

7a Total participants: (ij) Beginning of plan year (ii) End of plan year

b (i) Were any participants in the pension benefit plan separated from service with a deferred vested benefit for which a Schedule
SSA (Form 5500) is required to be attached? ,

li) _\f “Yes,” enter the number of separated participants required to be reported >
8a Were any plan amendments adopted during the plan year? .

b Did any amendment result in the retroactive reduction of accrued benefits for any participant?. ee ee
. » Month Day Year

c Enter the date the most recent amendment was adopted

d If a is “Yes,” did any amendment change the information contained in the latest summary plan descriptions or summary
description of modifications available at the time of the amendment?

e Has a summary plan description or summary description of modifications that reflects the plan amendments referred to in d
been furnished to participants and filed with the Department of Labor?.

9a Was this plan terminated during this plan year or any prior plan year? If “Yes,” enter year >

b Were all plan assets either distributed to participants or beneficiaries, transferred to another plan, or brought under the control of
PBGC? .

c Was a resolution to terminate this plan adopted during this plan year or any prior plan year?

d If aorcis “Yes,” have you received a favorable determination letter from IRS for the termination? .

e If dis “No,” has a determination letter been requested from IRS?

f Ifaorcis “Yes,” have participants and beneficiaries been notified of the termination or the proposed termination? .
&

lf ais “Yes” and the plan is covered by PBGC, is the plan continuing to file a PBGC Form 1 and pay premiums until the end of the
plan year in which assets are distributed or brought under the control of PBGC? .

h During this plan year, did any trust assets revert to the employer for which the Code section 4980 excise tax is due? .
i Ifhis “Yes,” enter the amount of tax paid with your Form 5330 >»

10a Was this plan merged or consolidated into another plan(s), or were assets or liabilities transferred to another plan(s) since the end

of the plan year covered by the last return/report Form 5500 or 5500-C which was filed for this plan (or during this plan year if
this is the initial return/report)? .

If ‘‘Yes,’’ identify the other plan(s): c Employer identification number(s) d
b Name of plan(s) >

e Has Form 5310 been filed? .

11 Enter the plan funding arrangement code

12 Enter the plan benefit arrangement code
N/A see instructions) >

see instructions) >

-

N/A13 Is this a plan established or maintained pursuant to one or more collective bargaining agreements?

14 If any benefits are provided by an insurance company, insurance service, or Similar organization, enter the number of Schedules A
N/A (Form 5500), Insurance Information, that are attached. If none, enter “-0-”

Welfare Plans Do Not Complete Items 15 Through 28. Skip to item 29.

15a If this is a defined benefit plan, is it subject to the minimum funding standards for this plan year? .
N/A lf “Yes,” attach Schedule B (Form 5500).

b If this is a defined contribution plan, i.e., money purchase or target benefit, is it subject to the minimum funding standards (if a
waiver was granted, see instructions)? .

If “Yes,” complete (i), (ii), and (iii) below:
(i) Amount of employer contribution required for the plan year under Codesection412 . . .L{Al
(ji) Amount of contribution paid by the employer for the plan year .

. . . . . 7 rs . . y) y7 y
Enter date of last payment by employer ® Month _________ Day_______. Year_.____._. YW //

(iii) \f (i) is greater than (ii), subtract (ii) from (i) and enter the funding deficiency here.
Otherwise, enter zero. (If you have a funding deficiency, file Form 5330. —_—

N/A 16 Has the plan been top-heavy at any time beginning with the 1984 plan year? . : ,
N/A 17__Has the plan accepted any transfers or rollovers with respect to a participant who has attained a age 704%? .

—
a

Page 2 7

YW Yf, Yes No

a

il
Bed

THM MG)
|

VU .
a=P

ra YW
Ta
YY)

l as

Plan number(s)

N/A

pat Yes | No

5

ay a
LL

Form 5500-C (1988)

N/A 18a If the plan distributed any annuity contracts this year, did these contracts contain a requirement that the spouse consent before
any distributions under the contract are made in a form other than a qualified joint and survivor annuity? .

b Did the plan make distributions to participants or beneficiaries in a form other than a qualified joint and survivor annuity (a life
annuity if a single person) or qualified preretirement survivor annuity (exclude deferred annuity contracts)?

c Did the plan make distributions or loans to married participants and beneficiaries without the required consent of the
participant’s spouse? .

d Upon plan amendment or termination, do the accrued benefits of every participant include the subsidized benefits that the

—
WY YY
Of;

Page 3

y No
y yy yj

( , Yes
YY)

participant may become entitled to receive subsequent to the plan amendment or termination? d
N/A 19 Were distributions made in accordance with the requirements of Code section 417(e)? (See instructions.) : 42 _____.
N/A20 Have any contributions been made or benefits accrued in excess of the Code section 415 limits, as amended by the Tax |
Reform Act of 1986?. Be wesw es & wp ® we we we eee se . (20 |
N/A21__Has the plan made the required distributions in 1988 under Code section 401(ay(9)?._. . . . . ai
4 22a Does the plan satisfy the percentage test of Code section 410(b)(1)(A)? See Statement below%. 22a

lfais “Yes,” complete b through i. If “No,” complete only b and c below and see Specific Instructions.

b (i) Number of employees who are aggregated with employees of the employer as a result of being an affiliated service group
under Code section 414(b), (c), or (m)

s (ii) Number of individuals who performed services as leased employees under Code section 414(n) including leased employees
2 of employers in (i) Coe kg
f c Total number of employees (including any employees aggregated in b) .

d Number of employees excluded under the plan because of (i) minimum age or years of service, (ii) employees on whose behalf
.' retirement benefits were the subject of collective bargaining, or (iii) nonresident aliens who received no earned income from
United States sources .

Total number of employees not excluded (subtract d fromc) .
Employees ineligible (specify reason)
Employees eligible to participate (subtract f from e)

Employees eligible but not participating
Employees participating (subtract h from ¢g

—-JT a @

N/A 23a Is it intended that this plan qualify under Code section 401(a)? .
If “Yes,” complete b and c.

|

|

|

|

|

es b Enter the date of the most recent IRS determination letter—Month _________ Year _______._.
c ls a determination letter request pending with IRS?

; N/A 24a If this is a plan with Employee Stock Ownership features, was a current appraisal of the value of the stock made immediately

before any contribution of stock or the purchase of the stock by the trust for the plan year covered by this return/report?
b Ifais “Yes,” was the appraisal made by an unrelated third party?
: N/A 25  Isthis plan integrated with social security or railroad retirement?

N/A 26 Does the employer/sponsor listed in la of this form maintain other qualified pension benefit plans?
lf “Yes,” enter the total number of plans including this plan >

a CJ Master b L_] Prototype plan cL] Uniform plan

| W ff, Number
yyy

[a
fe |.

OU ff y

cs
Ys Yes | No

rT)
—

(25 |
[26 |
MMM

N/A27 \sthis plan an adoption of a master, prototype or uniform plan? Indicate which type by checking the appropriate box:
| .
|

N/A 28a Is the plan covered under the Pension Benefit Guaranty Corporation termination insurance program? LI Yes LJ No LJ Not determined
b fais “Yes” or “Not determined,” enter the employer identification number and the plan number used to identify it.
Employer identification number > Plan number >

| N/A29 During the plan year: ae vo | He Amount
a Was this plancovered byafidelitybond?.. . . . 2... ee =F:
_

b Was there any loss to the plan, whether or not reimbursed, caused by fraud or dishonesty?

eee nh , y y;
c Was there any sale, exchange, or lease of any property between the plan and the employer, any fiduciary, any // y H // f
of the five most highly paid employees of the employer, any owner of a 10% or more interest in the employer, f MU

or relatives of any such persons? .

d Was there any loan or extension of credit by the plan to the employer, any fiduciary, any of the five most // /

highly paid employees of the employer, any owner of a 10% or more interest in the employer, or relatives of
any such persons?

a

Did the plan acquire or hold any employer security or employer real property? . io. « e
Has the plan granted an extension on any delinquent loan owed to the plan? wg ww f
Has the employer owed contributions to the plan which are more than 3 months overdue? 4

zs->_ as ©

of the close of the plan year?

gy
Were any loans by the plan or fixed income obligations due the plan classified as uncollectible or in default as Y/ ll Y

*Item 22a.- Because of central maintenance of vesting records, this information is not avail-
able on the basis of individual participating employers. The total number of participants

and annuitants in this Plan as of the end of 1987-88 Plan Year was 8,845. The total number
of participants and annuitants in this Plan as of the end of 1988-89 Plan Year was 9,534.

Form 5500-C (1988)

i Has any plan fiduciary had a financial interest in excess of 10% in any party providing services to the plan or
received anything of value from any such party?

j Did the plan at any time hold 20% or more of its assets in any single security, debt, mortgage, parcel of real
estate, or partnership/joint venture interests? .

k Did the plan at any time engage in any transaction or series of related transactions involving 20% or more of
the current value of plan assets? .

| Were there any noncash contributions made to the plan whose value was set without an appraisal by an
independent third party?

m Were there any purchases of nonpublicly traded securities by the plan whose value was set without an
appraisal by an independent third party?

n__Has the plan failed to provide any benefit when due cote the — of the plan because of insufficient —

:

Y/ la

on} |

Page 4

Amount

N/A 30 Current value of plan assets and liabilities at the beginning and end of the plan year. Combine the value of plan assets held in more than one trust.
Allocate the value of the plan’s interest in a commingled trust containing the assets of more than one plan on a line-by-line basis unless the trust
meets one of the specific exceptions described in the instructions. Do not enter the value of that portion of an insurance contract which guarantees

during this plan year to pay a specific dollar benefit at a future date. Round off amounts to the nearest dollar.

Assets
a Cash .
b Receivables . Yy
c Investments:

(i) U.S. Government securities .

(ji) Corporate debt and equity instruments .

(iii) Real estate and mortgages (other than to participants)

(iv) Loans to participants:
A Mortgages ,
B Other

(v) Other .

(vi) Total investments (add (i) through () |

d Buildings and other property used in plan operations
pot e Other assets.

Liabilities
g Payables .
h Acquisitionindebtedness .

i Other liabilities .

Total liabilities

Er tae

Y
A
Vv
vi
~eereeesese@eutenvnakes d
f Totalassets. 2 2 ee tf
Uy yy
ht
i
J

(a) Beginning
of year

(b) End of
year

pee mse EF nN TD et te th |C

N/A31 Plan income, expenses, and changes in net assets for the plan year. Include all income and expenses of the plan including any trust(s) or separately

maintained fund(s) and payments/receipts to/from insurance carriers.

Income ‘
a Contributions received or receivable in cash from: Y

(i) Employer(s) (including contributions on behalf of self-employed individuals)
(ii) Employees
(iii) Others
b Noncash contributions .
Earnings from investments (interest, dividends, rents, royalties) .
Net realized gain (loss) on sale or exchange of assets .
Other income (specify) m oe eee eee eee.

Total income (add a through e)

-~ @2 a

seme

g Distribution of benefits and payments to provide benefits:

(i) Directly to participants ortheirbeneficiaries. . . . . .... . a ae ee ee ee ~L®

| (a) Amount | (a) Amount

(b) Total

—

I +

« LLL
e LLL
e YY
7

(ij Other, 2 we ee ee ee, La

h Administrative expenses (salaries, fees, commissions, insurance premiums)
Other expenses (specify) >

k Net income (loss) (subtract j from f) .

ee
i EL

‘WI
; MMMM

a !/////;
eee

La —

* U.S.GPO:1989-0-205-302

internal Revenue Service Center
North-Atlantic Region

HOLTSVI

Dates %-/-7U

Pvt

SSN or EIN #

Tax Period :

DEPARTMENT

LOD40 WA

In Reply Refer To:

OF THE
VERLY AVE
LE 4

TREASL

Fees

a
‘

NAY. OO8'01

CF60S 07/7
fl-~ (-P?O

TA 2 1340017 £
OX§- 3/- §GY

D ALBANY Young Women $ CHEIST/BWN) ASSOC

2% Colvirs Ave
ALBANY AY Jr2~2b6° lol

5S60 C4
©03- 37-70
8Y4~ 25-70

Form Number :

Due date of Return ;:

Date Return Received :

Dear Sirs:

My Our records indicate the above form was filed late. Please submit

arm explanation why you did not file your return on time for the plan year
shown above. For a return due after December 31, 1982, the law provides
for a penalty of $25.00 a day, for each day the return is late, up to maxi-
mum of $15,000.00 unless there is an explanation of reasonable cause for
the delay. An explanation of reasonable cause must contain the signature
of the taxpayer or valid representative.

ff We have no record of receiving a reply or an acceptable explanation

to the letter we sent you requesting additional information to complete the
processing of your Schedule B. Under the law, a penalty of $1,000.00 can
be charged if an incorrectly completed Schedule B, Acturial Information,

is received and also if a properly completed Schedule B, including the sig-
nature and enrollment number is not timely filed. The penalty does not
apply if there is reasonable cause for the late filing as an extension of
time to file the Form 5500 series forms could have been requested.

[7 We have no record of receiving a reply or an acceptable explanation to
the letter we sent you requesting additional information to complete the
processing of your return. The law provides for a penalty of $25.00 a day,
up to a maximum of $15,000.00 for failure to provide this information.
Please provide the following information:

[7 Properly executed Form 2848 (Power of Attorney).
7 Copy of approved extension of time to file.
[7] Properly completed and signed Form .
DEPARTMENT OF THE TREASURY
1040 WAVERLY AVE ver-
HDOLITSVILLEs: N.Y OTN 1

NAR BSC LETTER 2—2002 (4-89)

Plan # O60 /

Please let us hear from you within 15.days from the date of this letter.
If, within that time, we do not receive the requested information or an
explanation that will allow us to excuse you from the penalty/penalties,
we will have to bill you for those that apply. When you reply, please
send us a telephone number and the most convenient time for us to call,
so we may contact you if additional information is needed.

Thank you for your cooperation.

Sincerely,

Enclosures: Shelly ldenberg
Chief, Adjustments/Correspondence Branch
--- Form 2848
--- Form 5500/C,R
--- Envelope

Association |
28 Colvin Avenue

Albany, NY. 12206-1199
OF ALBANY (518) 438-6608

i W
is Y Young Women’s Christian

September 10, 1990

shelly Goldenberg

Chief, Adjustments/ Correspondence Branch
Department of the Treasury
1040 Waverly Avenue

Holtsville, New York 00501
RE: 196050111

Dear Ms. Goldenberg:

have achieved 5 or more years of
employment Service at the time
of your termination, you will be
eligible to receive a Deferred
Vested Retirement Allowance
(DVRA) which is payable at age
55 or anytime up to age 65.

The vesting schedule is as follows:

Years of Service Vested %
5 50
6 60
z 70
8 80
9 90
0 100%

A Disability
Allowance After 10
Years of Participation

If you become permanently
disabled after 10 years of partici-
pation and before age 62, you
may be eligible to receive a Dis-
ability Allowance.

Death Benefit
Protection

If you should die before retire-
ment or within 30 days after

your effective date of retirement,
you beneficiary will be entitled to
death benefits.

Refund of
Employee
Payments

If you terminate YWCA
employment and choose to with-
draw from the Fund, you will be
eligible to receive a refund of your
Employee Payments, any Addi-
tional Voluntary Payments and
any Voluntary Deductible
Employee Payments plus interest
and dividends credited.

If you are eligible for a retire-
ment benefit when you withdraw
from the Fund, you will receive an
Association allowance based on
the vested portion of the Associa-
tion’s payments made for your
benefit. This benefit will be paya-
ble at age 55 or later if you ter-
minate YWCA employment after
that age. However, should you
withdraw your payments from
the Fund, you will not be eligible
for certain portions of the disabil-
ity or death benefit paid by the
Association unless you become
eligible, based upon participation
after you reemployment.

These brief descriptions are
not intended to serve as
complete summaries of your
benefits. The amount of your
benefit and the number of
years of service credited to
you will depend on several
factors, including whether
you have terminated and
later resumed employment
at any time prior to retire-
ment, disability, death, or
final termination.

A complete description of
‘the Fund is contained in the
Summary Plan Description,

Questions and Answers
About Your YWCA Retire-
ment Fund which is distrib-
uted to each new
participant.

YWCA Retirement Fund, Inc.
One Madison Avenue
New York, New York 10010

5/82 . <a>
Retirement Fund
Benefit Highlights

The YWCA Retirement Fund is
a contributory retirement plan
established by the YWCA for its
employees. Each month the par-
ticipating Associations and their
eligible employees make pay-
ments to the Fund for their
retirement benefits.

When Will | Become
Eligible to
Participate?

You will be enrolled in the
YWCA Retirement Fund within
one year of employment by the
YWCA if you are regularly
employed half-time (¥2 of the
basic workweek) or more. If you
were hired to work less than half-
time, you will become a Fund
participant at the end of the year
in which you complete 1,000
hours of employment Service.
When you fulfill the eligibility
requirement, you must file an
Application to Participate with
the Fund's office.

Participation in the YWCA
Retirement Fund is a ‘condition
of employment” for all YWCA

Employees with certain exceptions.

Matching
Dollars

For Your Future
Security

Association
Payments

The YWCA pays at the rate of
5% of your monthly salary for
your benefits — plus an extra 1%
to cover the cost of operating the
Fund.

Employee
Payments

The required Employee pay-
ment is 5% of your monthly
Salary.

If you were a participant in the
former Savings and Security Plan
making 3%2% payments, you may
continue to make payments at
that rate or increase them to 5%
of your monthly salary.

If you were hired before Sep-
tember 1, 1981, to fill a job
which qualified you to participate
in the Savings and Security Plan,
you may choose, when you join
the Fund, to make the required

Employee payments at the rate
of either 5% or 3%2% of
compensation.

Additional Employee
Payments

You may make Additional
Employee Payments at the rate
of 1%, 2%, 3%, 4%, or 5% of
compensation. (If you are now
making payments to the Fund at
the rate of 32% of salary or are
qualified to choose to make
payments at that rate when you
become a Fund participant, your
Additional Employee Payments
are limited to 12% of salary.)

Voluntary Deductible

Employee Payments,
(VDEPs)

For the benefit and conven-
ience of participants and in accor-
dance with the Economic Recov-
ery Tax Act of 1981 (ERTA), the
Fund accepts Voluntary Deducti-
ble Employee Payments each
calendar year up to $2,000 but
not more than 100% of
compensation.

See VDEP pamphlet.

About Interest and
Dividends

Interest and dividends on your
total account, including VDEPs,
are compounded monthly. The
current interest rate is 512%.

The dividend rate for the year
ending August 31, 1984, is 5%
bringing the combined interest-
dividend rate to 10.5%. This is
equivalent to an 11.09% annual
yield. Dividends are determined
by the Board of Trustees and
have been paid since 1950.

Flexible Retirement
Age Range

If you terminate YWCA
employment anytime after reach-
ing age 55 and after completing
5 or more years of participation,

you will be eligible for a Retire-
ment Allowance.

A Monthly Deferred
Vested Retirement
Allowance

If you leave YWCA employment
before you reach age 55 and