SWALLEN CJ & G MSNARY ED SCH FD

SWALLEN CJ & G MSNARY ED SCH FD GRANTS ARE MADE ACCORDING TO TRUST AGREEMENT DATED OCTOBER 22, 1987. KEYBANK, AS TRUSTEE MAKES DISTRIBUTIONS AS FOLLOWS: 33.333% TO MALONE COLLEGE, 33.333% TO GOSHEN COLLEGE AND 33.334% TO ANDREWS UNIVERSITY. UNDER THE OHIO INSTITUTIONAL TRUST FUNDS ACT OF 1999, THE BENEFICIARIES HAVE CHOSEN TO RECEIVE THE MAXIMUM OF INCOME BASED ON THE GREATER OF 5% OF AFV OR TRADITIONAL INCOME. KEYBANK MAINTAINS A RESPONSIVENESS TO THE NEEDS AND ACTIVITIES OF EACH BENEFICIARY ORGANIZATION IN THE ATTAINMENT OF ITS MISSION. PLEASE NOTE THE CHARITIES HAVE A RIGHT TO REMOVE THE TRUSTEE, AND THE TRUSTEE HAS THE AUTHORITY TO AMEND THE DOCUMENT TO INSURE THE CONTINUATION TO QUALIFY AS A 509(A)3.