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        <DescriptionOfTransaction>BRIAN BREZOSKY IS THE SENIOR VICE PRESIDENT OF KHA SOLUTIONS GROUP WHICH HAS A MANAGEMENT CONTRACT WITH TRUSTCARE. FEES ASSOCIATED WITH THE MANAGEMENT CONTRACT TOTALED $156,159. KHA SOLUTIONS GROUP ALSO RECEIVES COMMISSIONS ON THE REINSURANCE POLICY. THE COMMISSIONS TOTALED $210,350 FOR THE YEAR.</DescriptionOfTransaction>
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      <GeneralExplanation>
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        <Explanation>EACH MEMBER MAKES DECISIONS ON THEIR INDIVIDUAL PLANS, BUT THE BOARD MAKES THE DECISIONS THAT AFFECT THE TRUST AS A WHOLE.</Explanation>
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        <Explanation>A DRAFT OF THE RETURN IS REVIEWED FIRST BY INTERNAL MANAGEMENT. AFTER INTERNAL MANAGEMENT HAS REVIEWED THE RETURN AND ANY CHANGES ARE MADE, A COPY IS THEN EMAILED IN PDF FORMAT TO THE BOARD PRIOR TO ITS FILING.</Explanation>
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      <GeneralExplanation>
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        <Explanation>THE FINANCIAL STATEMENTS AND GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST.</Explanation>
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