<SEC-DOCUMENT>0001140361-24-031664.txt : 20240628
<SEC-HEADER>0001140361-24-031664.hdr.sgml : 20240628
<ACCEPTANCE-DATETIME>20240628095619
ACCESSION NUMBER:		0001140361-24-031664
CONFORMED SUBMISSION TYPE:	11-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20231231
FILED AS OF DATE:		20240628
DATE AS OF CHANGE:		20240628

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			GREENE COUNTY BANCORP INC
		CENTRAL INDEX KEY:			0001070524
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				141809721
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		11-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25165
		FILM NUMBER:		241081896

	BUSINESS ADDRESS:	
		STREET 1:		302 MAIN STREET
		CITY:			CATSKILL
		STATE:			NY
		ZIP:			12414
		BUSINESS PHONE:		5189432600

	MAIL ADDRESS:	
		STREET 1:		302 MAIN STREET
		CITY:			CATSKILL
		STATE:			NY
		ZIP:			12414
</SEC-HEADER>
<DOCUMENT>
<TYPE>11-K
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<FILENAME>ef20031863_11k.htm
<DESCRIPTION>11-K
<TEXT>
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    <div style="text-align: center; font-size: 14pt; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">WASHINGTON, D.C. 20549</div>
    <div><br>
    </div>
    <div style="text-align: center; font-size: 18pt; font-weight: bold;">FORM 11-K</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS</div>
    <div style="text-align: center; font-weight: bold;">AND SIMILAR PLANS PURSUANT TO SECTION 15(D) OF THE</div>
    <div style="text-align: center; font-weight: bold;">SECURITIES EXCHANGE ACT OF 1934</div>
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          <td style="width: 36pt; vertical-align: top;">&#9746;</td>
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            <div>ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</div>
          </td>
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    </table>
    <div style="text-align: center;"> <br>
    </div>
    <div style="text-align: center;">For the fiscal year end <u>December 31, 2023</u></div>
    <div><br>
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    <div style="text-align: center; font-weight: bold;">OR</div>
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          <td style="width: 36pt; vertical-align: top;">&#9744;</td>
          <td style="width: auto; vertical-align: top;">
            <div>TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.</div>
          </td>
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    <div><br>
    </div>
    <div>For the transition period from ____________ to ____________<br>
    </div>
    <div><br>
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    <div style="text-align: center; font-weight: bold;">Commission File Number <u>000-25165</u></div>
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          <td style="width: 30pt; vertical-align: top;">A.</td>
          <td style="width: auto; vertical-align: top;">
            <div>Full title of the plan and the address of the plan, if different from that of the issue named below:</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: center; margin-left: 18pt;">The Bank of Greene County Employees&#8217; Savings and Profit Sharing Plan and Trust</div>
    <div><br>
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          <td style="width: 30pt; vertical-align: top;">B.</td>
          <td style="width: auto; vertical-align: top;">
            <div>Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:</div>
          </td>
        </tr>

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    <div><br>
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    <div style="text-align: center; font-size: 24pt;">Greene County Bancorp, Inc.</div>
    <div style="text-align: center;">302 Main Street</div>
    <div style="text-align: center;">Catskill, New York 12414-1317</div>
    <div><br>
    </div>
    <div>
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    <div style="text-align: center; margin-left: 18pt;">THE BANK OF GREENE COUNTY EMPLOYEES'</div>
    <div style="text-align: center;">SAVINGS &amp; PROFIT SHARING PLAN AND TRUST</div>
    <div><br>
    </div>
    <div style="text-align: center;">FINANCIAL STATEMENTS</div>
    <div><br>
    </div>
    <div style="text-align: center;">DECEMBER 31, 2023 AND 2022</div>
    <div><br>
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    <div style="text-align: center;"><u><a name="TABLEOFCONTENTS"><!--Anchor--></a>TABLE OF CONTENTS</u></div>
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          <td style="width: 95%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">
            <div>Page</div>
          </td>
        </tr>
        <tr>
          <td style="width: 95%; vertical-align: top;">&#160;</td>
          <td style="width: 5%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="background-color: rgb(255, 255, 255);"><a href="#REPORTOFINDEPENDENTREGIST">Report of Independent Registered Public Accounting Firm</a></div>
          </td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>2-3</div>
          </td>
        </tr>
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          <td style="width: 95%; vertical-align: top; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0);">&#160;</td>
          <td style="width: 5%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="background-color: rgb(255, 255, 255);"><a href="#STATEMENTSOFNETASSETSAVAI">Statements of Net Assets Available for Plan Benefits&#160;As of December 31, 2023 and 2022</a></div>
          </td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">4</td>
        </tr>
        <tr>
          <td style="width: 95%; vertical-align: top; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0);">&#160;</td>
          <td style="width: 5%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="background-color: rgb(255, 255, 255);"><a href="#STATEMENTSOFCHANGESINNETA">Statements of Changes in Net Assets Available For Plan Benefits For the years Ended December 31, 2023 and 2022</a></div>
          </td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>5</div>
          </td>
        </tr>
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            <div style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0);">&#160;</div>
          </td>
          <td style="width: 5%; vertical-align: top;"><br>
          </td>
        </tr>
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          <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="background-color: rgb(255, 255, 255);"><a href="#NotestoFinancialStatement">Notes to Financial Statements</a></div>
          </td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>6-12</div>
          </td>
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          <td style="width: 95%; vertical-align: top; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0);">&#160;</td>
          <td style="width: 5%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="background-color: rgb(255, 255, 255);"><a href="#ScheduleHPartIVLINE4iSche">Supplemental Schedule* Schedule H, Part IV, Line 4i &#8211; Schedule of Assets (Held at End of Year)</a></div>
          </td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>13</div>
          </td>
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          </td>
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          <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="background-color: rgb(255, 255, 255);"><a href="#SIGNATURES">Signatures</a></div>
          </td>
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            <div>14</div>
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          <td style="width: 95%; vertical-align: top; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0);">&#160;</td>
          <td style="width: 5%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 95%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="background-color: rgb(255, 255, 255);"><a href="ef20031863_ex23-1.htm">Consent of Bonadio &amp; Co., LLP</a></div>
          </td>
          <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>15</div>
          </td>
        </tr>

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    <div><br>
    </div>
    <div style="text-align: justify;">* Note:&#160; All other schedules are omitted as they are not applicable or are not required based on disclosure requirements of the Employee Retirement Income Security Act of 1974 and the applicable regulations issued by
      the Department of Labor.</div>
    <div style="text-align: justify;"> <br>
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            of Contents</a></div>
      </div>
    </div>
    <div style="font-weight: bold;">REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM<a name="REPORTOFINDEPENDENTREGIST"><!--Anchor--></a></div>
    <div>&#160;</div>
    <div style="text-align: justify;">To the Audit Committee of</div>
    <div style="text-align: justify;">The Bank of Greene County Employees&#8217;</div>
    <div style="text-align: justify;">Savings &amp; Profit Sharing Plan and Trust:</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Opinion on the Financial Statements</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We have audited the accompanying statements of net assets available for benefits of The Bank of Greene County Employees&#8217; Savings &amp; Profit Sharing Plan and Trust (the Plan) as of December 31, 2023 and 2022, and the
      related statements of changes in net assets available for benefits for the years then ended, and the related notes and schedule (collectively referred to as the financial statements). In our opinion, the financial statements present fairly, in all
      material respects, the net assets available for benefits of The Bank of Greene County Employees&#8217; Savings &amp; Profit Sharing Plan and Trust as of December 31, 2023 and 2022, and the changes in net assets available for benefits for the years then
      ended, in conformity with accounting principles generally accepted in the United States of America.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">Basis for Opinion</div>
    <div>&#160;</div>
    <div style="text-align: justify;">These financial statements are the responsibility of the Plan&#8217;s management. Our responsibility is to express an opinion on the Plan&#8217;s financial statements based on our audits. We are a public accounting firm registered
      with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Plan in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and
      Exchange Commission and the PCAOB.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of
      material misstatement, whether due to error or fraud. The Plan is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. As part of our audits, we are required to obtain an understanding of
      internal control over financial reporting, but not for the purpose of expressing an opinion on the effectiveness of the Plan&#8217;s internal control over financial reporting. Accordingly, we express no such opinion.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures
      included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating
      the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.</div>
    <div>&#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">2</font></div>
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            of Contents</a></div>
      </div>
    </div>
    <div style="text-align: justify; font-weight: bold;">Supplemental Information</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The supplemental information contained in Schedule H, Part IV, Line 4(i) &#8211; Schedule of Assets (Held at End of Year) as of December 31, 2023, has been subjected to audit procedures performed in conjunction with the
      audit of the Plan's financial statements. The supplemental information is the responsibility of the Plan's management. Our audit procedures included determining whether the supplemental information reconciles to the financial statements or the
      underlying accounting and other records, as applicable, and performing procedures to test the completeness and accuracy of the information presented in the supplemental information. In forming our opinion on the supplemental information, we evaluated
      whether the supplemental information, including its form and content, is presented in conformity with the Department of Labor's Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. In our
      opinion, the supplemental information is fairly stated, in all material respects, in relation to the financial statements as a whole.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">We have served as the Company&#8217;s auditor since 2011.</div>
    <div>&#160;</div>
    <div>/s/ Bonadio &amp; Co. LLP</div>
    <div>&#160;</div>
    <div>Syracuse, New York</div>
    <div>June 27, 2024</div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">3</font></div>
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            of Contents</a></div>
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    </div>
    <div style="text-align: center;">THE BANK OF GREENE COUNTY</div>
    <div style="text-align: center;">EMPLOYEES&#8217; SAVINGS &amp; PROFIT SHARING PLAN AND TRUST</div>
    <div style="text-align: center;"><a name="STATEMENTSOFNETASSETSAVAI"><!--Anchor--></a>STATEMENTS OF NET ASSETS AVAILABLE FOR PLAN BENEFITS</div>
    <div style="text-align: center;">AS OF</div>
    <div style="text-align: center;">&#160;DECEMBER 31, 2023 AND 2022</div>
    <div><br>
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            <div style="text-align: center; font-weight: bold;"> 2023</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div style="text-align: center; font-weight: bold;">2022</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">ASSETS</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Cash</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div>$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div>$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>69,135</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div>24,024,030</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div>20,897,336</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Notes receivable from participants</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>306,187</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>300,862</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; padding-bottom: 2px;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Other receivables</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
            <div>-</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
            <div>23,508</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: rgb(204, 238, 255);">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1" class="cftfncell">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 76%; padding-bottom: 4px;">
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1" class="cftcurrcell">
            <div>$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;" colspan="1" class="cftnumcell">
            <div>24,330,217</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1" class="cftcurrcell">
            <div>$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;" colspan="1" class="cftnumcell">
            <div>21,290,841</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">LIABILITIES</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Other liabilities</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div>$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>-</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div>$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>99,342</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">TOTAL LIABILITIES</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>-</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>99,342</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; padding-bottom: 4px; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">NET ASSETS AVAILABLE FOR PLAN BENEFITS</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div>$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>24,330,217</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div>$</div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>21,191,499</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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    </table>
    <div><br>
    </div>
    <div style="font-style: italic;">The accompanying notes are an integral part of these financial statements.</div>
    <div><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageFooter" style="width: 100%;"></div>
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">4</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div class="BRPFPageHeader" style="width: 100%;">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><a href="#TABLEOFCONTENTS">Table



            of Contents</a></div>
      </div>
    </div>
    <div style="text-align: center;">THE BANK OF GREENE COUNTY</div>
    <div style="text-align: center;">EMPLOYEES&#8217; SAVINGS &amp; PROFIT SHARING PLAN AND TRUST</div>
    <div style="text-align: center;"><a name="STATEMENTSOFCHANGESINNETA"><!--Anchor--></a>STATEMENTS OF CHANGES IN NET ASSETS AVAILABLE FOR PLAN BENEFITS</div>
    <div><br>
    </div>
    <div style="text-align: center;">FOR THE YEARS ENDED</div>
    <div style="text-align: center;">DECEMBER 31, 2023 AND 2022</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="zb6341e2211ae4a26a021604dfec744e6" class="cfttable">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div style="text-align: center; font-weight: bold;"> 2023</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div style="text-align: center; font-weight: bold;">2022</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">ADDITIONS TO NET ASSETS</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Investment income:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Interest and dividend income</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div>$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>647,459</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div>$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>610,808</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
            <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Interest income, notes receivable from participants</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div>16,790</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div>17,493</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
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            <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Net appreciation (depreciation) in fair value of investments</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>2,111,054</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>(1,142,141</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">
            <div>)</div>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; padding-bottom: 2px;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Net investment income (loss)</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
            <div>2,775,303</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
            <div>(513,840</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">
            <div>)</div>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #CCEEFF;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Contributions:</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Participant</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>976,993</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>878,440</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
            <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Employer</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div>489,852</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div>436,115</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Rollover</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>8,543</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>712,972</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Total contributions</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>1,475,388</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>2,027,527</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 76%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">TOTAL ADDITIONS</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>4,250,691</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>1,513,687</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">DEDUCTIONS FROM NET ASSETS</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Benefits paid to participants</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div>1,086,962</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div>1,972,491</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Administrative expenses</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
            <div>25,011</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
            <div>23,909</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">TOTAL DEDUCTIONS</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>1,111,973</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>1,996,400</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Net increase (decrease) in net assets</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>3,138,718</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>(482,713</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">
            <div>)</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Net assets available for benefits, beginning</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>21,191,499</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>21,674,212</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; padding-bottom: 4px; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt;">NET ASSETS AVAILABLE FOR PLAN BENEFITS, ENDING</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div>$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>24,330,217</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div>$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>21,191,499</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="font-style: italic;">The accompanying notes are an integral part of these financial statements.</div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageFooter" style="width: 100%;"></div>
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">5</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div class="BRPFPageHeader" style="width: 100%;">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><a href="#TABLEOFCONTENTS">Table



            of Contents</a></div>
      </div>
    </div>
    <div style="text-align: center; font-weight: bold;">The Bank of Greene County Employees&#8217; Savings &amp; Profit Sharing Plan and Trust</div>
    <div style="text-align: center; font-weight: bold;"><a name="NotestoFinancialStatement"><!--Anchor--></a>Notes to Financial Statements</div>
    <div style="text-align: center; font-weight: bold;">As of and for the Years ended December 31, 2023 and 2022</div>
    <div><br>
    </div>
    <div style="font-weight: bold;">NOTE A &#8211; DESCRIPTION OF PLAN</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The following brief description of The Bank of Greene County Employees' Savings &amp; Profit Sharing Plan and Trust (the Plan) provides only general information. Participants should refer to the Plan agreement for a
      more complete description of the Plan&#8217;s provisions.</div>
    <div> <br>
    </div>
    <div><u>General</u></div>
    <div style="text-align: justify;">The Plan is a defined contribution plan covering eligible employees of The Bank of Greene County (the Company or the Sponsor).&#160; Employees who complete three months of service and perform a minimum of 250 hours of
      service are eligible to participate in the Plan. The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA), as amended.</div>
    <div><br>
    </div>
    <div><u>Contributions</u></div>
    <div style="text-align: justify;">Each year participants may contribute up to 50% of pre-tax and post-tax annual compensation, as defined in the Plan, up to the maximum allowable under the Internal Revenue Code (IRC). The post-tax contributions are
      deferrals to Roth accounts. Participants who are age 50 or older may elect to defer additional amounts called &#8220;catch-up&#8221; contributions.&#160; Rollover and transfer contributions from another qualified retirement plan or special individual retirement plan
      are permitted.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">Participants direct the investment of their contributions into various investment options offered by the Plan.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">Matching contributions made by the Sponsor to the Plan are calculated as 100% of each participant&#8217;s contributions up to 3% of compensation plus 50% of the next 3% of compensation for a total matching contribution of up
      to 4.5% of compensation as defined by the Plan.&#160; Contributions are subject to certain limitations.</div>
    <div><br>
    </div>
    <div style="text-align: justify;"><u>Participant Accounts and Investment Options</u></div>
    <div style="text-align: justify;">Participants direct the investment of their contributions into various options offered by the Plan.&#160; Each participant&#8217;s account is credited with the participant&#8217;s contribution and allocations of (a) the Company&#8217;s
      matching contributions, and (b) Plan earnings (losses), and is charged with an allocation of administrative expenses.&#160; Allocations are based on participant earnings or account balances as defined. The benefit to which a participant is entitled is the
      benefit that can be provided from the participant&#8217;s vested account. Participants may direct the investment of their account balances into various investment options offered by the Plan. Currently, the Plan offers mutual funds, money market funds,
      self-directed brokerage accounts, common collective trust fund and the Sponsor&#8217;s stock as investment options for participants. Participants may change their investment options to prospectively increase or decrease the amount of their elective
      deferrals at such times established by the Plan administrator in a uniform and nondiscriminatory manner.</div>
    <div><br>
    </div>
    <div style="text-align: justify;"><u>Vesting</u></div>
    <div style="text-align: justify;">Participants are immediately vested in their contributions plus actual earnings (losses) thereon. Vesting in the Company&#8217;s contribution portion of their accounts is based on continuous service. Safe harbor matching
      contributions made to the Plan are 100% vested upon the completion of two years of employment. Non-safe harbor matching contributions are 100% vested upon the completion of six years of continuous employment.</div>
    <div><br>
    </div>
    <div style="text-align: justify;"><u>Payment of Benefits</u></div>
    <div style="text-align: justify;">Benefit payments to participants are recorded upon distribution. Upon termination of service, disability, death or retirement, participants will receive an amount equal to the value of their accounts in a single
      lump-sum payment, or in partial payments or systematic installment payments.</div>
    <div><br>
    </div>
    <div style="text-align: justify;"><u>Administrative Expenses</u></div>
    <div style="text-align: justify;">The Plan permits the payment of Plan expenses to be made from the Plan&#8217;s assets. These expenses are allocated proportionately based on the value of the account balances of each participant in the Plan.&#160; Loan fees are
      paid by the borrower. Administrative expenses may also be made from forfeitures by non-vested participants and by the Sponsor. The payment of expenses by the Sponsor is not mandated by the Plan and is done so at the discretion of the Sponsor.</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageFooter" style="width: 100%;"></div>
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">6</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div class="BRPFPageHeader" style="width: 100%;">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><a href="#TABLEOFCONTENTS">Table



            of Contents</a></div>
      </div>
    </div>
    <div style="text-align: justify;"><u>Notes Receivable from Participants</u></div>
    <div style="text-align: justify;">Participants may borrow from their accounts a minimum of $1,000 up to a maximum equal to the lesser of $50,000 or 50 percent of their vested account balance. Note terms range from 1-5 years; longer terms are available
      if used for the purchase of a primary residence. The notes are collateralized by the balance in the participant&#8217;s account and bear interest at prime rate plus 1% as of the loan origination date. Processing fees for new notes and annual maintenance
      fees on outstanding notes are charged to the participant&#8217;s account. The interest rate was between 4.25% and 9.50% on loans outstanding for the year ended December 31, 2023. The interest rate was between 4.25% and 7.25% on loans outstanding for the
      year ended December 31, 2022. Principal and interest is paid ratably through biweekly payroll deductions.</div>
    <div><br>
    </div>
    <div style="text-align: justify;"><u>Forfeitures</u></div>
    <div style="text-align: justify;">Forfeitures by non-vested participants are generally used to reduce administrative fees or reduce employer matching contributions. Forfeited balances at December 31, 2023 were $2,002 and at December 31, 2022 were
      $4,431.&#160; Further, forfeitures used to reduce employer matching contributions were $10,000 during 2023 and were $5,000 during 2022.&#160; Forfeitures used to pay administrative expenses were not significant during 2023 and 2022.</div>
    <div><br>
    </div>
    <div style="font-weight: bold;">NOTE B &#8211; SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</div>
    <div>&#160;</div>
    <div style="text-align: justify;"><u>Basis of Presentation</u></div>
    <div style="text-align: justify;">The financial statements of the Plan are prepared using the accrual basis of accounting in accordance with generally accepted accounting principles in the United States of America (&#8220;GAAP&#8221;).</div>
    <div><br>
    </div>
    <div style="text-align: justify;"><u>Use of Estimates</u></div>
    <div style="text-align: justify;">The preparation of the Plan&#8217;s financial statements in conformity with GAAP requires the plan administrator to make estimates and assumptions that affect the reported amounts of assets and liabilities and changes
      therein, and disclosure of contingent assets and liabilities at the date of the financial statements.&#160; Actual results could differ from those estimates, and such differences may be significant.</div>
    <div><br>
    </div>
    <div><u>Risks and Uncertainties</u></div>
    <div style="text-align: justify;">The Plan invests in various investment securities.&#160; Investment securities are exposed to various risks such as interest rate, market and credit risk.&#160; Due to the level of risk associated with certain investment
      securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect participant account balances and the amounts reported in the Statements of
      Net Assets Available for Plan Benefits.</div>
    <div><br>
    </div>
    <div><u>Cash</u></div>
    <div>The Plan maintains cash balances to settle investment transactions.&#160; Such balances are not insured.</div>
    <div><br>
    </div>
    <div><u>Investment Valuation and Income Recognition</u></div>
    <div style="text-align: justify;">The Plan&#8217;s investments are reported at fair value.&#160; Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the
      measurement date.&#160; See Note E for discussion of fair value measurements.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">Purchases and sales of securities are recorded on a trade-date basis.&#160; Interest income is recorded on the accrual basis.&#160; Dividends are recorded on the ex-dividend date.&#160; Net appreciation (depreciation) includes the
      Plan&#8217;s gains and losses on investments bought and sold as well as held during the year.</div>
    <div><br>
    </div>
    <div><u>Investment Fees</u></div>
    <div style="text-align: justify;">Net investment returns reflect certain fees paid by the various investment funds to their affiliated investment advisors, transfer agents, and others as further described in each fund prospectus or other published
      documents.&#160; These fees are deducted prior to allocation of the Plan&#8217;s investment earnings activity and thus not separately identifiable as an expense.</div>
    <div><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageFooter" style="width: 100%;"></div>
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">7</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div class="BRPFPageHeader" style="width: 100%;">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><a href="#TABLEOFCONTENTS">Table



            of Contents</a></div>
      </div>
    </div>
    <div style="text-align: justify;"><u>Notes Receivable from Participants</u></div>
    <div>Notes receivable from participants are measured at their unpaid principal balance plus any accrued but unpaid interest.&#160; Delinquent notes are reclassified as distributions based on the terms of the plan document.</div>
    <div>&#160;</div>
    <div style="text-align: justify; font-weight: bold;">NOTE C &#8211; PLAN TERMINATION</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Although it has not expressed any intention to do so, the Company has the right under the Plan to discontinue contributions or terminate the Plan at any time subject to the provisions of ERISA. Upon termination of the
      Plan, all amounts credited to the accounts of the participants shall vest and become non-forfeitable and the employer shall direct the trustee to make or commence distribution to, or on behalf of, each participant the value of his or her account
      balance in the Plan.</div>
    <div><br>
    </div>
    <div style="font-weight: bold;">NOTE D &#8211; PARTY-IN-INTEREST TRANSACTIONS</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Plan investments were managed by the trustee of the Plan. Reliance Trust Company was the trustee for the 2022 plan year and for the majority of the 2023 plan year. In November 2023, the trustee was transferred from
      Reliance Trust Company to Empower Trust Company. Transactions in such investments qualify as party-in-interest transactions, which are exempt from prohibited transaction rules. Notes receivable from participants totaling $306,187 and $300,862 at
      December 31, 2023 and 2022, respectively, qualify as party-in-interest transactions and are secured by balances in the respective participant accounts.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">In 2023 and 2022, the Plan provided participants the election of an investment in Greene County Bancorp, Inc.&#8217;s common stock through a unitized company stock fund. As of December 31, 2023, the Plan held 17,176 units of
      Greene County Bancorp, Inc.&#8217;s common stock fund at a per-unit price of $361.64. As of December 31, 2022, the Plan held 17,595 units of Greene County Bancorp, Inc.&#8217;s common stock fund at a per-unit price of $360.85. Assets held in this fund are
      expressed in terms of units and not shares of stock.&#160; Each unit represents a proportionate interest in all of the assets of this fund.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">The value of Greene County Bancorp, Inc.&#8217;s common stock held within each participant&#8217;s account is determined each business day by the number of units to the participant&#8217;s credit, multiplied by the current unit value.&#160;
      The return on the participant&#8217;s investment is based on the value of units, which, in turn, is determined by the market price of the Greene County Bancorp, Inc.&#8217;s common stock and by the interest earned on a percentage of the fund&#8217;s market value held
      in a money market fund.&#160; As of December 31, 2023, the unitized company stock fund consisted of Greene County Bancorp, Inc.&#8217;s common stock at a market value of $5,882,774 and a money market fund at a market value of $328,899. As of December 31, 2022,
      the unitized company stock fund consisted of Greene County Bancorp, Inc.&#8217;s common stock at a market value of $6,018,248 and a money market fund at a market value of $337,468. A percentage of the total market value of the unitized company stock fund
      is held in a money market fund to facilitate daily participant trading. As of December 31, 2023, the Plan held 208,609 shares of Greene County Bancorp, Inc. common stock in the unitized common stock fund with a market value of $5,882,774 at a price
      per share of $28.20. As of December 31, 2022, the Plan held 209,622 shares of Greene County Bancorp, Inc. common stock in the unitized common stock fund with a market value of $6,018,248 at a price per share of $28.71.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">On March 23, 2023, Greene County Bancorp, Inc. effected a 2-for-1 stock split in the form of a stock dividend on its outstanding shares of common stock. All share and per share data have been retroactively adjusted to
      reflect the stock split.</div>
    <div><br>
    </div>
    <div style="font-weight: bold;">NOTE E &#8211; FAIR VALUE MEASUREMENTS</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) 820, <font style="font-style: italic;">Fair Value Measurements and Disclosures,</font> provides the framework for measuring fair
      value.&#160; That framework provides a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value.&#160; The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or
      liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements).&#160; The three levels of the fair value hierarchy under FASB ASC 820 are described as follows:</div>
    <div>&#160;</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z3420494521064f8b8f26a08848fc42bd" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 72pt; vertical-align: top; color: #000000; font-style: italic;">Level 1:</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div style="color: #000000;">Inputs are quoted prices in active markets for identical assets or liabilities.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageFooter" style="width: 100%;"></div>
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">8</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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      <div class="BRPFPageHeader" style="width: 100%;">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><a href="#TABLEOFCONTENTS">Table



            of Contents</a></div>
      </div>
    </div>
    <table cellspacing="0" cellpadding="0" id="z0f0137ef8297495192cdcb7b477da1a0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 72pt; vertical-align: top; color: #000000; font-style: italic;">Level 2:</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="color: #000000;">Inputs are quoted prices for similar assets or liabilities in an active market, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are
              observable, and market-corroborated inputs which are derived principally from or corroborated by observable market data.</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" id="zfc2ea6e3d65042e1b20c16403cba2ef7" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt;"><br>
          </td>
          <td style="width: 72pt; vertical-align: top; color: #000000; font-style: italic;">Level 3:</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="color: #000000;">Inputs are derived from valuation techniques in which one or more significant inputs or value drivers are unobservable.</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
    <div style="text-align: justify; color: #000000;">An asset or liability&#8217;s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.</div>
    <div>&#160;</div>
    <div style="text-align: justify; color: #000000;">The following is a description of the valuation methodology used for investments measured at fair value.&#160; There have been no changes in the methodologies used during the years ended December 31, 2023
      and 2022.</div>
    <div>&#160;</div>
    <div style="font-weight: bold;">Level 1 Fair Value Measurements</div>
    <div>&#160;</div>
    <div style="text-align: justify; color: #000000;">The fair value of mutual funds, employer stock and self-directed brokerage accounts is valued based on quoted market prices.&#160; Money market funds are valued based on quoted net asset values of the shares
      held by the Plan at year end.</div>
    <div>&#160;</div>
    <div style="text-align: justify; color: #000000;">The Plan held mutual funds at December 31, 2023 and 2022 as described below.</div>
    <div>&#160;</div>
    <div style="text-align: justify;"><font style="color: #000000;">The objective of the</font>&#160;<font style="font-style: italic;"><u>Dodge &amp; Cox Income Fund</u></font> is to seek high and stable rate of current income, consistent with long-term
      preservation of capital.&#160; A secondary objective is to take advantage of opportunities to realize capital appreciation.&#160; The Fund invests in a diversified portfolio of high-quality bonds and other debt securities.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The objective of the <font style="font-style: italic;"><u>Vanguard Inflation Protected Secs Fund (Adm)</u></font> is to seek to provide inflation protection and income consistent with investment in inflation-indexed
      securities.&#160; The Fund invests primarily in inflation-indexed bonds issued by the U.S. government, its agencies and instrumentalities, and corporations.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">The objective of the <font style="font-style: italic;"><u>Vanguard Small Cap Index Fund (Adm)</u></font> is to track the performance of the CRSP US Small Cap Index, a broadly diversified index of stocks of smaller
      U.S. companies.&#160; The Fund invests all, or substantially all, of its assets in the stocks that make up the Index, holding each stock in approximately the same proportion as its weighting in the index.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The objective of the <font style="font-style: italic;"><u>Vanguard Mid Cap Index Fund (Adm)</u></font> is to track the performance of the CRSP US Mid Cap Index, a broadly diversified index of stocks of mid-size U.S.
      companies.&#160; The Fund invests all, or substantiall<font style="color: #000000;">y all, of its assets in the stocks that make up the Index, holding each stock in approximately the same proportion as its weighting in the index.</font></div>
    <div>&#160;</div>
    <div style="text-align: justify; color: #000000;">The objective of the <font style="font-style: italic;"><u>Vanguard Value Index Fund (Adm)</u></font> is to track the performance of the CRSP US Large Cap Value Index that measures the investment return
      of large-capitalization value stocks. The Fund employs an indexing investment approach designed to track the performance of the index which is predominantly made up of value stocks of large U.S. companies.</div>
    <div>&#160;</div>
    <div style="text-align: justify;"><font style="color: #000000;">The objective of the MFS </font><font style="font-style: italic; color: #000000;"><u>Massachusetts Investors Trust (R6)</u></font><font style="color: #FF0000;">&#160;</font><font style="color: #000000;">is to seek capital appreciation.&#160; The Fund normally invests primarily in equity securities of companies of any size, focusing on large-cap companies.&#160; The Fund may invest in growth companies, value companies, or in a combination of growth
        and value companies.&#160; The Fund may invest in foreign securities.</font></div>
    <div>&#160;</div>
    <div style="text-align: justify;"><font style="color: #000000;">The objective of th</font>e <font style="font-style: italic;"><u>LSV Value Equity Fund (I) </u></font>is to seek long-term growth of capital. The Fund invests primarily in equity
      securities of companies believed to be undervalued in the marketplace at the time of purchase and have potential for near-term appreciation.&#160; Although the Fund may invest in securities of companies of any size, the Fund generally invests in companies
      with market capitalizations of $1 billion or more.</div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageFooter" style="width: 100%;"></div>
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">9</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div class="BRPFPageHeader" style="width: 100%;">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><a href="#TABLEOFCONTENTS">Table



            of Contents</a></div>
      </div>
    </div>
    <div style="text-align: justify;">The objective of the <font style="font-style: italic;"><u>T. Rowe Price Blue Chip Growth Fund</u></font> is to provide long-term capital growth.&#160; Income is a secondary objective.&#160; The Fund normally invests in the
      common stocks of large- and medium-sized blue chip companies that are well established in their industries and have the potential for above-average earnings growth.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The objective of the <font style="font-style: italic;"><u>American Funds EuroPacific Growth Fund (R6)</u></font> is long-term growth of capital.&#160; The Fund normally invests primarily in common stocks of issuers in
      Europe and the Pacific Basin believed to have the potential for growth.&#160; A portion of assets may be invested in common stocks and other securities of companies in emerging markets.</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The objective of the <font style="font-style: italic;"><u>Invesco Global Fund (R6)</u></font> is capital appreciation.&#160; The Fun<font style="color: #000000;">d invests mainly in common stock of U.S. and foreign
        companies. It may invest without limit in foreign securities and can invest in any country, including countries with developing or emerging markets. The Fund currently emphasizes its investments in developed markets such as the United States,
        Western European countries and Japan. It does not limit its investments to companies in a particular capitalization range, but primarily invests in mid- and large-cap companies. The Fund normally will invest in at least three countries.</font></div>
    <div>&#160;</div>
    <div style="text-align: justify;"><font style="color: #000000;">The objective of the</font><font style="color: #FF0000;">&#160;</font><font style="font-style: italic;"><u>Vanguard Target Retirement Date Funds (2020 thru</u></font><font style="font-style: italic; color: #000000;"><u> 2065)</u></font><font style="color: #000000;"> is to provide capital appreciation and current income consistent with its current asset allocation.&#160; The Fund invests in other Vanguard mutual funds according to an asset
        allocation strategy designed for investors planning to retire and leave the workforce within a few years of the target date of the Fund.&#160; The Fund&#8217;s asset allocation will become more conservative over time. These funds share the common goal of
        capital appreciation in the years leading up to retirement and then a mix of income and capital preservation in the years following retirement.</font></div>
    <div>&#160;</div>
    <div style="text-align: justify;"><font style="color: #000000;">The objective of th</font>e <font style="font-style: italic;"><u>Vanguard Target Retirement Income Fund (Inv)</u></font> is to provide current income and some capital appreciation. The
      Fund invests in other Vanguard mutual funds according<font style="color: #000000;"> to an asset allocation strategy designed for investors currently in retirement.</font></div>
    <div>&#160;</div>
    <div style="text-align: justify; color: #000000;">The objective of the <font style="font-style: italic;"><u>Vanguard 500 Index Admiral Fund</u></font> is to provide an indexing investment approach designed to track the performance of the Standard
      &amp; Poor's 500 Index, a widely recognized benchmark of U.S. stock market performance that is dominated by the stocks of large U.S. companies. The advisor attempts to replicate the target index by investing all, or substantially all, of its assets
      in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index.</div>
    <div>&#160;</div>
    <div style="text-align: justify; color: #000000; font-weight: bold;">Net Asset Value (NAV) as Fair Value</div>
    <div>&#160;</div>
    <div style="text-align: justify;">Common collective trust funds are comprised of units in such collective trust funds that are not publicly traded. The underlying assets in these funds (common stock, preferred stock, collective investment funds, U.S.
      government and agency obligations, debt instruments, insurance investment contracts, global wrap synthetic investment contracts, securities lending funds, repurchase agreements, futures contracts, and foreign currency contracts) are valued where
      applicable on exchanges and price quotes for the assets held by these funds are readily available. When current market prices or quotations are not available, valuations are determined using valuation models adopted by the Trustee or other inputs
      principally from or corroborated by observable market data. Common collective trust funds are valued at their net asset value (NAV) on the last day of the calendar year of the period; as a result, these investments are not classified within the fair
      value hierarchy.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">Investments in common/collective trust funds are valued at the net value of participation units held by the Plan at year-end. The value of these units is determined by the trustee based on the current market values of
      the underlying assets of the common/collective trust fund as based on information reported by the investment advisor using the audited financial statements of the common/collective trust fund at year end.&#160; The Plan held collective trust funds at
      December 31, 2023 and 2022 as described below.</div>
    <div><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageFooter" style="width: 100%;"></div>
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">10</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div class="BRPFPageHeader" style="width: 100%;">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><a href="#TABLEOFCONTENTS">Table



            of Contents</a></div>
      </div>
    </div>
    <div style="text-align: justify;">The objective of the <font style="font-style: italic;"><u>Reliance Metlife Stable Value Fund &#8211; Series 25053 Class 0</u></font>, common/collective trust fund is to provide safety and preservation of principal and
      accumulated interest for participant-initiated transactions. The interest credited to balances in this fund will reflect both current market conditions and performance of the underlying investments in this fund. This fund invests entirely in the
      Reliance MetLife Group Annuity Contract 25053 which consists of separately managed investment portfolios directed by Reliance Trust Company.&#160; This fund is a bank collective trust fund for which Reliance Trust Company serves as the trustee and
      investment manager. This fund is not FDIC-insured or registered with the Securities and Exchange Commission. There are no unfunded commitments and no withdrawal restrictions.</div>
    <div><br>
    </div>
    <div style="text-align: justify; color: #000000;">The methods described above may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values.&#160; Furthermore, while the Plan&#8217;s management
      believes the valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain investments could result in a different fair value
      measurement at the reporting date.</div>
    <div>&#160;</div>
    <div style="text-align: justify;"><u>Transfers between Levels</u></div>
    <div>&#160;</div>
    <div style="text-align: justify;">We evaluate the significance of transfers between levels based on the nature of the financial instrument and size of the transfer relative to total net assets available for benefits.&#160; During the years ended December
      31, 2023 and 2022, there were no transfers between levels.</div>
    <div>&#160;</div>
    <div>The following table sets forth by level, within the fair value hierarchy, the Plan&#8217;s investments at fair value:</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z91851639a0bd48818a8910111bec3274" class="cfttable">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="10">
            <div>
              <div style="text-align: center; color: #000000; font-weight: bold;">Fair Value Measurement Using:</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;">December 31, 2023:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; color: #000000; font-weight: bold;">Total</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; color: #000000; font-weight: bold;">Quoted Prices</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">in Active</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">Markets for Identical</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">Assets</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">(Level 1)</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; color: #000000; font-weight: bold;">Significant</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">Other Observable Inputs</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">(Level 2)</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; color: #000000; font-weight: bold;">Significant Unobservable Inputs</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">(Level 3)</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: #000000;">Common stock fund &#8211; Employer stock</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div style="color: #000000;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">5,882,774</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div style="color: #000000;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">5,882,774</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div style="color: #000000;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div style="color: #000000;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: #000000;">Common stock fund &#8211; Money market</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div>328,899</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div>328,899</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: #000000;">Self-directed brokerage accounts</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>2,029,417</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>2,029,417</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; padding-bottom: 2px;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: #000000;">Mutual funds</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
            <div>15,268,895</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
            <div>15,268,895</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; padding-bottom: 4px; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 16.2pt; color: rgb(0, 0, 0);">Total investments, fair value</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>23,509,985</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div>$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>23,509,985</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div style="color: #000000;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div style="color: #000000;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; padding-bottom: 2px;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: #000000;">Common collective trust fund<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">a</sup></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
            <div>514,045</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; padding-bottom: 4px; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 16.2pt; color: rgb(0, 0, 0);">Total investments</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div style="color: #000000;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">24,024,030</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="zabbe2adacfd84ba8a9adc19a2716bfac" class="cfttable">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="10">
            <div>
              <div style="text-align: center; color: #000000; font-weight: bold;">Fair Value Measurement Using:</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;">December 31, 2022:</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; color: #000000; font-weight: bold;">Total</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; color: #000000; font-weight: bold;">Quoted Prices in Active Markets for Identical Assets</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">(Level 1)</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; color: #000000; font-weight: bold;">Significant Other Observable Inputs</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">(Level 2)</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div>
              <div style="text-align: center; color: #000000; font-weight: bold;">Significant Unobservable Inputs</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">(Level 3)</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: #000000;">Common stock fund &#8211; Employer stock</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div style="color: #000000;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">6,018,248</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div style="color: #000000;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">6,018,248</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div style="color: #000000;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div style="color: #000000;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: #000000;">Common stock fund &#8211; Money market</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div>337,468</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div>337,468</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: #000000;">Self-directed brokerage accounts</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>1,744,486</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>1,744,486</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; padding-bottom: 2px;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: #000000;">Mutual funds</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
            <div>12,075,462</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
            <div>12,075,462</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; padding-bottom: 4px; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 16.2pt; color: rgb(0, 0, 0);">Total investments, fair value</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>20,175,664</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div>$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div>20,175,664</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div style="color: #000000;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div style="color: #000000;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; padding-bottom: 2px;">
            <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: #000000;">Common collective trust fund<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">a</sup></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1" class="cftnumcell">
            <div>721,672</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; padding-bottom: 4px; background-color: #CCEEFF;">
            <div style="text-indent: -7.2pt; margin-left: 16.2pt; color: rgb(0, 0, 0);">Total investments</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">
            <div style="color: #000000;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">
            <div style="color: #000000;">20,897,336</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1" class="cftfncell">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">a</sup> In accordance with Subtopic 820-10, certain investments that were measured at net asset value per share (or its equivalent) have not been classified in the fair value hierarchy.&#160; The fair value amounts
      presented in this table are intended to permit reconciliation of the fair value hierarchy to the line items presented in the statements of net assets available for plan benefits.</div>
    <div><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageFooter" style="width: 100%;"></div>
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">11</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div class="BRPFPageHeader" style="width: 100%;">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><a href="#TABLEOFCONTENTS">Table



            of Contents</a></div>
      </div>
    </div>
    <div style="font-weight: bold;">NOTE F &#8211; TAX STATUS</div>
    <div>&#160;</div>
    <div style="text-align: justify;">The Plan is operating under a volume submitter profit sharing plan with CODA sponsored by Pentegra Services, Inc.&#160; The volume submitter profit sharing plan obtained its latest determination letter on June 30, 2020, in
      which the Internal Revenue Service stated that the volume submitter profit sharing plan, as then designed, was in compliance with the applicable requirements of the Internal Revenue Code.&#160; The plan has been amended since receiving the determination
      letter, however, the Plan administrator believes that the Plan is designed and is currently being operated in compliance with the applicable requirements of the Internal Revenue Code and, therefore, believe the Plan is qualified, and the related
      trust is tax-exempt.</div>
    <div><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageFooter" style="width: 100%;"></div>
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">12</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div class="BRPFPageHeader" style="width: 100%;">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><a href="#TABLEOFCONTENTS">Table



            of Contents</a></div>
      </div>
    </div>
    <div style="text-align: justify; font-weight: bold;">EIN: 14-0553610, Plan No. 002</div>
    <div style="font-weight: bold;">The Bank of Greene County Employees&#8217; Savings &amp; Profit Sharing Plan and Trust</div>
    <div style="font-weight: bold;">Attachment to Form 5500, <a name="ScheduleHPartIVLINE4iSche"><!--Anchor--></a>Schedule H, Part IV, LINE 4i &#8211;</div>
    <div style="font-weight: bold;">Schedule of Assets (Held at End of Year)</div>
    <div style="font-weight: bold;">December 31, 2023</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" id="z0d1e5d8413034740a349dbdf3b73427e" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 4.6%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div>(a)</div>
          </td>
          <td style="width: 41.96%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div>(b)</div>
            <div>Identity of issuer, borrower, lessor, or similar party</div>
          </td>
          <td style="width: 33.4%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div>(c)</div>
            <div>Description of investment including </div>
            <div>maturity date, rate of interest, collateral, </div>
            <div>par, or maturity value</div>
          </td>
          <td style="width: 7.71%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div>(d)</div>
            <div>Cost</div>
          </td>
          <td style="width: 12.33%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div>(e)</div>
            <div>Current value</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>*</div>
          </td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Greene County Bancorp, Inc. Common Stock</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Common stock fund- Employer stock</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">$5,882,774</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">
            <div>Federated Government Obligation Fund</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">
            <div>Money market account</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top;">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top;">
            <div style="text-align: right;">328,899 </div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>American Funds Europacific GR R6</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">393,110 </div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">
            <div>Dodge &amp; Cox Income</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top;">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top;">
            <div style="text-align: right;">424,234</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Invesco Global Fund R6</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">633,827</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">
            <div>LSV Value Equity</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top;">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top;">
            <div style="text-align: right;">1,084,361</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>MFS Massachusetts Investors TR R6</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">1,062,065</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">
            <div>T. Rowe Price Blue Chip Growth</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top;">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top;">
            <div style="text-align: right;">2,736,594</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Vanguard 500 Index Admiral</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">44,412</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">
            <div>Vanguard Inflation-Protected Secs Adm</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top;">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top;">
            <div style="text-align: right;">141,159</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Vanguard Mid Cap Index Adm</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">1,262,110</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">
            <div>Vanguard Small Cap Index Adm</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top;">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top;">
            <div style="text-align: right;">1,171,181</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Vanguard Target Retirement 2020 Inv.</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">97,660 </div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">
            <div>Vanguard Target Retirement 2025 Inv.</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top;">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top;">
            <div style="text-align: right;">682,706 </div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Vanguard Target Retirement 2030 Inv.</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">1,378,025&#160; </div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">
            <div>Vanguard Target Retirement 2035 Inv.</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top;">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top;">
            <div style="text-align: right; text-indent: -36pt; margin-left: 36pt;">837,237 </div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Vanguard Target Retirement 2040 Inv.</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">1,229,302 </div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">
            <div>Vanguard Target Retirement 2045 Inv.</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top;">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top;">
            <div style="text-align: right;">369,705 </div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Vanguard Target Retirement 2050 Inv.</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; text-indent: -72pt; margin-left: 72pt;">370,223</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">
            <div>Vanguard Target Retirement 2055 Inv.</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top;">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top;">
            <div style="text-align: right;">548,898</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Vanguard Target Retirement 2060 Inv.</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">425,909</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">
            <div>Vanguard Target Retirement 2065 Inv.</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top;">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top;">
            <div style="text-align: right;">141,740</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Vanguard Target Retirement Income Inv</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">146,212</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">
            <div>Vanguard Value Index Adm</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">
            <div>Mutual fund</div>
          </td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top;">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top;">
            <div style="text-align: right;">88,225</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Reliance Metlife Stable Value Fund &#8211; Series 25053</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Common collective trust fund</div>
          </td>
          <td style="width: 7.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">514,045</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">
            <div>Self-directed brokerage accounts</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">&#160;</td>
          <td style="width: 7.71%; vertical-align: top;">
            <div>**</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top;">
            <div style="text-align: right;">2,029,417</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>*</div>
          </td>
          <td style="width: 41.96%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Notes receivable from participants</div>
          </td>
          <td style="width: 33.4%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>4.25% - 9.50%</div>
          </td>
          <td style="width: 7.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>N/A</div>
          </td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">306,187</div>
          </td>
        </tr>
        <tr>
          <td nowrap="nowrap" style="width: 4.6%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 41.96%; vertical-align: top;">
            <div>Total Investments</div>
          </td>
          <td nowrap="nowrap" style="width: 33.4%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 7.71%; vertical-align: top;">&#160;</td>
          <td nowrap="nowrap" style="width: 12.33%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0);">
            <div style="text-align: right;">$24,330,217</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div>*Party-In-Interest</div>
    <div>**Historical cost has not been presented since this investment is participant-directed.</div>
    <div><br>
    </div>
    <div style="font-style: italic;">The accompanying notes are an integral part of this schedule.</div>
    <div style="font-style: italic;"> <br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageFooter" style="width: 100%;"></div>
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">13</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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        <div style="font-weight: normal; color: rgb(0, 0, 0); font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><a href="#TABLEOFCONTENTS">Table



            of Contents</a></div>
      </div>
    </div>
    <!--PROfilePageNumberReset%Num%14%%%-->
    <div style="font-weight: bold;">SIGNATURES<a name="SIGNATURES"><!--Anchor--></a></div>
    <div><br>
    </div>
    <div style="text-align: justify;">Pursuant to the requirements of the Securities Exchange act of 1934, Greene County Bancorp, Inc. have duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized.</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" id="z35665aecce87419eb81067252980ccdf" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="vertical-align: top;" colspan="3">
            <div style="text-align: justify;">THE BANK OF GREENE COUNTY</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="vertical-align: top;" colspan="3">
            <div style="text-align: justify;">EMPLOYEES&#8217; SAVINGS AND PROFIT</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="vertical-align: top;" colspan="3">
            <div style="text-align: justify;">SHARING PLAN AND TRUST</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="vertical-align: top;" colspan="3">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">
            <div style="text-align: justify;">Date:&#160; June 27, 2024</div>
          </td>
          <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
            <div style="text-align: justify;">By:<br>
            </div>
          </td>
          <td style="width: 21%; vertical-align: top; border-bottom: 2px solid black;">/s/ Donald E. Gibson</td>
          <td style="width: 26%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="vertical-align: top;" colspan="3">
            <div style="text-align: justify;">Donald E. Gibson</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="vertical-align: top;" colspan="3">
            <div style="text-align: justify;">President and Chief Executive Officer,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="vertical-align: top;" colspan="3">
            <div style="text-align: justify;">Greene County Bancorp, Inc.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: center;">
      <div><br>
      </div>
      <br>
      <font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">14</font><br>
    </div>
    <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>2
<FILENAME>ef20031863_ex23-1.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Summit Financial
         Document created using Broadridge PROfile 24.3.1.5224
         Copyright 1995 - 2024 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
  <div>
    <div style="text-align: center;">Exhibit 23.1</div>
    <div style="text-align: center;"> <br>
    </div>
    <div style="text-align: center; font-weight: bold;"><a name="ConsentofIndependentRegis"><!--Anchor--></a>Consent of Independent Registered Public Accounting Firm</div>
    <div><br>
    </div>
    <div style="text-align: justify;">We consent to the incorporation by reference in registration statement (No. 333-51538) on Form S-8 of our report dated June 27, 2024, appearing in this annual report on Form 11-K of the Greene County's Employees'
      Savings and Profit Sharing Plan for the year ended December 31, 2023.</div>
    <div><br>
    </div>
    <div><u>/s/Bonadio &amp; Co., LLP</u></div>
    <div>Bonadio &amp; Co., LLP</div>
    <div>Syracuse, New York</div>
    <div>June 27, 2024</div>
    <div> <br>
    </div>
    <div> <br>
    </div>
    <div style="text-align: center;"> <font style="font-size: 8pt;">15</font><br>
    </div>
    <div>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"> </div>
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</DOCUMENT>
</SEC-DOCUMENT>
