It pays to stay in your Plan until maturity! Remain in the CSTTM Advantage Plan until maturity (typically when your beneficiary turns 18) and you will receive 50% of your sales charges as a CST Loyalty Bonus. This eligible CST Loyalty Bonus will be paid to the Beneficiary as part of each of their four (4) Education Assistance Payments (EAPs). If you transfer your Plan to a Family or Individual Savings Plan, you may be eligible to receive up to 25% of the sales charges paid in the CSTTM Advantage Plan.