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(Y) Trusts (Irrevocable) Any funds in a trust or transferred to a trust, and the income produced by that trust to the extent it is not available to the household (irrevocable trust funds), will be considered inaccessible to the household if: (i) The trust arrangement is not likely to cease during the certification period and no household member has the power to revoke the trust arrangement or change the name of the beneficiary during the certification period; (ii) The trustee administering the funds is either: • A court, or an institution, corporation, or organization which is not under the direction or ownership of any household member; or • An individual appointed by the court who has court imposed limitations placed on his/her use of the funds which meet the requirements of this paragraph; (iii) Trust investments made on behalf of the trust do not directly involve or assist any business or corporation under the control, direction, or influence of a household member; and (iv) The funds held in irrevocable trust are either: Established from the household's own funds, if the trustee uses the funds solely to make investments on behalf of the trust or to pay the educational or medical expenses of any person named by the household creating the trust, or • Established from non-household funds by a non- household member.

(Z) Unable to sell (for significant return) Resources that, as a practical matter, the household is unable to sell for any significant return because the household's interest is relatively slight or the costs of selling the household's interest would be relatively great or if its sale or other disposition is unlikely to produce any significant amount of funds for the support of the household or the cost of selling the resource would be relatively great. This provision does not apply to financial instruments such as stocks, bonds, and negotiable financial instruments. NOTE: “Significant return” means any return, after estimating costs of sale or disposition, and taking into account the ownership interest of the household, that the Agency determines are more than $1,500. “Any significant amount of funds” means funds amounting to more than $1,500.