Contract analysis

1. Identification of Trust Property The following described property constitutes the trust property of the Caldwell Family Insurance Trust (the "Trust") established pursuant to the Trust Agreement dated March 15, 2023 (the "Trust Agreement"), by Jonathan R. Caldwell, as Grantor, and Northgate Trust Company of Delaware, a Delaware-chartered trust company, as Trustee. All capitalized terms used but not otherwise define

2. Life Insurance Policy Description 2.1 Policy Details The principal asset of the Trust consists of the following life insurance policy (the "Policy"): The Policy is a permanent life insurance contract issued by Beacon Life Assurance Company in the ordinary course of its business and is subject to the terms, conditions, riders, endorsements, and exclusions set forth in the Policy contract. A complete copy of the Pol

3. Insurance Broker The Policy described in Section 2 above was procured through the following insurance brokerage firm: Glenmore Insurance Brokerage LLC 44 Wall Street, Suite 1200 New York, NY 10005 Contact: Nathan C. Freed, Senior Vice President, Private Client Division Glenmore Insurance Brokerage LLC acted as the broker of record in connection with the application for and placement of the Policy. All communicatio

4. Additional Trust Property This Schedule A may be amended, supplemented, or restated from time to time by the Grantor and the Trustee to reflect additional property transferred to the Trust, whether by gift, bequest, devise, or other means, in accordance with the provisions of the Trust Agreement. Any such amendment shall be attached to and incorporated into the Trust Agreement and this Schedule A. As of the date o

5. Confirmation and Acknowledgment The undersigned Grantor hereby confirms that the property described in this Schedule A constitutes the initial trust property of the Caldwell Family Insurance Trust and that the foregoing description of the Policy and related information is true, correct, and complete in all material respects as of the date set forth below. The Grantor further confirms that the Policy has been irrev