Common use of Party Pooled Special Needs Trust Clause in Contracts

Party Pooled Special Needs Trust. for the benefit of (Name of Beneficiary) for deposits into the Beneficiary’s sub-account. • Checks can be received at any time. • Direct deposits can be arranged – contact CCT for more information. 1 Mutual funds, money market funds, and exchange-traded funds (ETFs) also charge internal management fees, which are disclosed in the fund's prospectus and deducted from the net asset value of the funds. Any additional investment or custodial fees will be disclosed in advance. True Link may engage additional third parties who may charge additional fees. Ongoing Fees Deducted from the Funded Sub-Account • CCT Consultation Fee – 0.50% of the average daily balance of the sub-account, per year, prorated on a monthly basis. • True Link Financial Advisors, LLC’s Investment Management Fee – 0.34% of the average daily balance of the assets under management in the sub-account, per year, prorated on a quarterly basis. • True Link Financial, Inc.’s Annual Record-keeping Fee – $150 per year, prorated on a quarterly basis. • Capital First Annual Trustee Fee – $100 per year, prorated on a quarterly basis Termination Fees • CCT Termination Fee – $500, when the Beneficiary passes away or the account is moved. For Military Survivor Benefit Plan (SBP) Trusts ONLY • Because the SBP trust will be funded by fixed monthly payments, the minimum initial funding requirement does not apply. • All SBP trusts require a CCT enrollment fee of $1,250, regardless of total funding amount. Make check payable to Commonwealth Community Trust. Enrollment fees for SBP trusts cannot be deducted from the sub-account, as it will not be funded upon joining. • An initial account deposit of $10.00 is required. Make checks payable to CCT First-Party PSNT f/b/o (Name of Beneficiary) or Commonwealth Community Trust First-Party Pooled Special Needs Trust for the benefit of (Name of Beneficiary). • No additional fees will be charged until the first MSB payment is received by CCT. * For investment management services, the Trust is the client, not the beneficiary. Mutual funds, money market funds, and exchange-traded funds (ETFs) also charge internal management fees, which are disclosed in the fund's prospectus and deducted from the net asset value of the funds. Any additional investment or custodial fees will be disclosed in advance. True Link may engage additional third parties who may charge additional fees. *Accounts having a balance below $25.00 will be closed, and a check for the account balance will be made payable to the Beneficiary and mailed to the Advocate. Check which do not clear within 90 days or checks returned due to an insufficient address will be voided and the balance will be paid to CCT as an additional closing fee.

Party Pooled Special Needs Trust. for the benefit of (Name of Beneficiary) for deposits into the Beneficiary’s sub-account. • Checks can be received at any time. • Direct deposits or electronic transfers can be arranged – contact CCT for more information. 1 Mutual fundsNote: Investment Management Services are provided by True Link Financial Advisors, money market fundsLLC, an SEC-registered investment adviser and wholly owned subsidiary of True Link Financial, Inc. True Link Financial Inc., provides the trust administration software record-keeping platform used by the trust. Tue Link Financial Advisors, LLC provides investment management to CCT First-Party Pooled Special Needs Trust which is its client, and exchange-traded funds (ETFs) also charge internal does not provide investment management fees, which are disclosed in the fund's prospectus and deducted from the net asset value of the fundsservices to individual trust beneficiaries. Any additional investment or custodial fees Note: Accounts having a balance below $25.00 will be disclosed in advanceclosed, and a check for the account balance will be made payable to the Beneficiary and mailed to the Advocate. True Link may engage Checks which do not clear within 90 days or checks returned due to an insufficient address will be voided and the balance will be paid to CCT as an additional third parties who may charge additional feesclosing fee. Ongoing Fees Deducted from the Funded Sub-Account • Fee Type Amount How Often CCT Consultation Administration Fee – 0.50Annual Rate of 0.5% of the average daily balance of the sub-account, per year, prorated on a monthly basis. • Monthly True Link Financial Advisors, LLC’s Investment Management Fee – 0.34% Annual Rate of the average daily balance of the assets under management in the sub-account, per year, prorated on a quarterly basis. • 0.34%1 Quarterly True Link Financial, Inc.’s Recordkeeping Fee $ 37.50 flat fee (Annual Record-keeping Fee – equals $150 per year, prorated on a quarterly basis. • 150) Quarterly Capital First Annual Trust Company Trustee Fee – $ 25.00 flat fee (Annual Fee equals $100 per year, prorated on a quarterly basis 100) Quarterly Termination Fees • CCT Termination Fee – $500, when the Beneficiary passes away or the account is moved. For Military Survivor Benefit Plan (SBP) Trusts ONLY • Because the SBP trust will be funded by fixed monthly payments, the minimum initial funding requirement does not apply. • All SBP trusts require a CCT enrollment fee of $1,250, regardless of total funding amount. Make check payable to Commonwealth Community Trust. Enrollment fees for SBP trusts cannot be deducted from the sub-account, as it will not be funded upon joining. • An initial account deposit of $10.00 is required. Make checks payable to CCT First-Party PSNT f/b/o (Name of Beneficiary) or Commonwealth Community Trust First-Party Pooled Special Needs Trust for the benefit of (Name of Beneficiary). • No additional fees will be charged until the first MSB payment is received by CCT. * For investment management services, Medicare Set-Aside (MSA) Trusts ONLY • A minimum account balance of $10,000 exclusive of MSA assets must be maintained in the Trust is the client, not the beneficiarysub-account. 1 Mutual funds, money market funds, and exchange-traded funds (ETFs) also charge internal management fees, which are disclosed in the fund's prospectus and deducted from the net asset value of the funds. Any additional investment or custodial fees will be disclosed in advance. True Link may engage additional third parties who may charge additional fees. *Accounts having a balance below $25.00 will be closed, and a check for the account balance will be made payable to the Beneficiary and mailed to the Advocate. Check which do not clear within 90 days or checks returned due to an insufficient address will be voided and the balance will be paid to CCT as an additional closing fee.

Party Pooled Special Needs Trust. for the benefit of (Name of Beneficiary) for deposits into the Beneficiary’s sub-account. • Checks can be received at any time. • Direct deposits or electronic transfers can be arranged – contact arranged. Contact CCT for more information. 1 Mutual funds, money market funds, and exchange-traded funds (ETFs) also charge internal management fees, which are disclosed in the fund's prospectus and deducted from the net asset value of the funds. Any additional investment or custodial fees will be disclosed in advance. True Link may engage additional third parties who may charge additional fees. Ongoing Fees Deducted from the Funded Sub-Account • Fee Type Amount How Often CCT Consultation Administration Fee – 0.50Annual Rate of 0.5% of the average daily balance of the sub-account, per year, prorated on a monthly basis. • Monthly True Link Financial Advisors, LLC’s Investment Management Fee – 0.34% Annual Rate of the average daily balance of the assets under management in the sub-account, per year, prorated on a quarterly basis. • 0.34%1 Monthly True Link Financial, Inc.’s Recordkeeping Fee $12.50 flat fee (Annual Record-keeping Fee – equals $150 per year, prorated on a quarterly basis. • 150) Monthly Capital First Annual Trust Company Trustee Fee – $100 per year, prorated on a quarterly basis 25.00 flat fee (Annual Fee equals $100) Quarterly Termination Fees • CCT Termination Fee – $500, when the Beneficiary passes away or the account is moved. moved.2 For Military Survivor Benefit Plan (SBP) Trusts ONLY • Because the SBP trust will be funded by fixed monthly payments, the minimum initial funding requirement does not apply. • All SBP trusts require a CCT enrollment fee of $1,250, regardless of total funding amount. Make check payable to Commonwealth Community Trust. Enrollment fees for SBP trusts cannot be deducted from the sub-account, as it will not be funded upon joining. • An initial account deposit of $10.00 is required. Make checks payable to CCT First-Party PSNT f/b/o (Name of Beneficiary) or Commonwealth Community Trust First-Party Pooled Special Needs Trust for the benefit of (Name of Beneficiary). • No additional fees will be charged until the first MSB payment is received by CCT. * For investment management services, the Trust is the client, not the beneficiary. Mutual funds, money market funds, and exchangeMedicare Set-traded funds Aside (ETFsMSA) also charge internal management fees, which are disclosed Trusts ONLY • A minimum account balance of $10,000 exclusive of MSA assets must be maintained in the fund's prospectus and deducted from the net asset value of the funds. Any additional investment or custodial fees will be disclosed in advance. True Link may engage additional third parties who may charge additional fees. *Accounts having a balance below $25.00 will be closed, and a check for the account balance will be made payable to the Beneficiary and mailed to the Advocate. Check which do not clear within 90 days or checks returned due to an insufficient address will be voided and the balance will be paid to CCT as an additional closing feesub-account.

Party Pooled Special Needs Trust. for the benefit of (Name of Beneficiary) for deposits into the Beneficiary’s sub-account. • Checks can be received at any time. • Direct deposits can be arranged – contact CCT for more information. 1 Mutual funds, money market funds, and exchange-traded funds (ETFs) also charge internal management fees, which are disclosed in the fund's prospectus and deducted from the net asset value of the funds. Any additional investment or custodial fees will be disclosed in advance. True Link may engage additional third parties who may charge additional fees. Ongoing Fees Deducted from the Funded Sub-Account • CCT Consultation Administration Fee – 0.50% of the average daily balance of the sub-account, per year, prorated on a monthly basis. • True Link Financial Advisors, LLC’s Investment Management Fee – 0.34% of the average daily balance of the assets under management in the sub-account, per year, prorated on a quarterly basis. • True Link Financial, Inc.’s Annual Record-keeping Fee – $150 per year, prorated on a quarterly basis. • Capital First Annual Trustee Fee – $100 per year, prorated on a quarterly basis Termination Fees • CCT Termination Fee – $500, when the Beneficiary passes away or the account is moved. For Military Survivor Benefit Plan (SBP) Trusts ONLY • Because the SBP trust will be funded by fixed monthly payments, the minimum initial funding requirement does not apply. • All SBP trusts require a CCT enrollment fee of $1,250, regardless of total funding amount. Make check payable to Commonwealth Community Trust. Enrollment fees for SBP trusts cannot be deducted from the sub-account, as it will not be funded upon joining. • An initial account deposit of $10.00 is required. Make checks payable to CCT First-Party PSNT f/b/o (Name of Beneficiary) or Commonwealth Community Trust First-Party Pooled Special Needs Trust for the benefit of (Name of Beneficiary). • No additional fees will be charged until the first MSB payment is received by CCT. * For investment management services, the Trust is the client, not the beneficiary. Mutual funds, money market funds, and exchange-traded funds (ETFs) also charge internal management fees, which are disclosed in the fund's prospectus and deducted from the net asset value of the funds. Any additional investment or custodial fees will be disclosed in advance. True Link may engage additional third parties who may charge additional fees. *Accounts having a balance below $25.00 will be closed, and a check for the account balance will be made payable to the Beneficiary and mailed to the Advocate. Check which do not clear within 90 days or checks returned due to an insufficient address will be voided and the balance will be paid to CCT as an additional closing fee.