FRANKLIN CALIFORNIA TAX FREE TRUST
485BPOS, EX-99.(N)(I), 2000-10-27
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                              MULTIPLE CLASS PLAN
                                 ON BEHALF OF
               FRANKLIN CALIFORNIA INSURED TAX-FREE INCOME FUND


      This  Multiple  Class Plan (the "Plan") has been adopted by a majority of
the Board of Trustees of FRANKLIN  CALIFORNIA  TAX-FREE TRUST (the  "Investment
Company") for its series,  FRANKLIN  CALIFORNIA  INSURED  TAX-FREE  INCOME FUND
(the "Fund").  The Board has  determined  that the Plan,  including the expense
allocation,  is in the  best  interests  of  each  class  of the  Fund  and the
Investment  Company  as a whole.  The Plan sets forth the  provisions  relating
to  the   establishment  of  multiple  classes  of  shares  of  the  Fund,  and
supersedes any Plan previously adopted for the Fund.

      1.   The Fund shall offer three  classes of shares,  to be known as Class
A Shares, Class B Shares and Class C Shares.

      2.   Class A Shares shall carry a front-end  sales charge ranging from 0%
- 4.25%,  and Class C Shares  shall  carry a front-end  sales  charge of 1.00%.
Class B Shares shall not be subject to any front-end sales charges.

      3.   Class A Shares shall not be subject to a contingent  deferred  sales
charge   ("CDSC"),   except  in  the  following   limited   circumstances.   On
investments  of $1 million  or more,  a  contingent  deferred  sales  charge of
1.00% of the lesser of the  then-current  net asset value or the  original  net
asset  value  at  the  time  of  purchase   applies  to  redemptions  of  those
investments  within  the  contingency  period  of 12 months  from the  calendar
month following their  purchase.  The CDSC is waived in certain  circumstances,
as described in the Fund's prospectus.

      Class B Shares  shall  be  subject  to a CDSC  with  the  following  CDSC
schedule:  (a) Class B Shares  redeemed  within 2 years of their purchase shall
be assessed a CDSC of 4% on the lesser of the  then-current  net asset value or
the  original  net  asset  value at the time of  purchase;  (b)  Class B Shares
redeemed  within  the  third  and  fourth  years  of  their  purchase  shall be
assessed  a CDSC of 3% on the  lesser of the  then-current  net asset  value or
the  original  net  asset  value at the time of  purchase;  (c)  Class B Shares
redeemed  within 5 years of their  purchase  shall be  assessed a CDSC of 2% on
the  lesser of the  then-current  net  asset  value or the  original  net asset
value at the time of purchase;  and (d) Class B Shares  redeemed within 6 years
of  their  purchase  shall  be  assessed  a  CDSC  of 1% on the  lesser  of the
then-current  net asset  value or the  original  net asset value at the time of
purchase.  The  CDSC  is  waived  in  certain  circumstances  described  in the
Fund's prospectus.

      Class C Shares  redeemed  within  18 months  of their  purchase  shall be
assessed a CDSC of 1.00% on the lesser of the  then-current  net asset value or
the  original  net asset value at the time of  purchase.  The CDSC is waived in
certain circumstances as described in the Fund's prospectus.

      4.   The distribution plan adopted by the Investment  Company pursuant to
Rule 12b-1 under the  Investment  Company Act of 1940,  as amended,  (the "Rule
12b-1  Plan")  associated  with  the  Class A Shares  may be used to  reimburse
Franklin/Templeton   Distributors,  Inc.  (the  "Distributor")  or  others  for
expenses  incurred in the  promotion  and  distribution  of the Class A Shares.
Such  expenses  include,  but are not limited to, the printing of  prospectuses
and reports used for sales  purposes,  expenses of preparing  and  distributing
sales   literature   and   related   expenses,    advertisements,   and   other
distribution-related   expenses,   including   a   prorated   portion   of  the
Distributor's  overhead expenses  attributable to the distribution of the Class
A Shares,  as well as any  distribution  or  service  fees  paid to  securities
dealers or their firms or others who have executed a servicing  agreement  with
the  Investment  Company  for  the  Class  A  Shares,  the  Distributor  or its
affiliates.

      The  Rule  12b-1  Plan  associated  with  the  Class  B  Shares  has  two
components.   The  first  component  is  an  asset-based  sales  charge  to  be
retained by  Distributor  to  compensate  Distributor  for amounts  advanced to
securities  dealers or their firms or others with  respect to the sale of Class
B Shares.  In addition,  such  payments may be retained by the  Distributor  to
be used in the  promotion  and  distribution  of  Class B  Shares  in a  manner
similar to that  described  above for Class A Shares.  The second  component is
a  shareholder  servicing  fee to be paid to  securities  dealers or others who
provide personal assistance to shareholders in servicing their accounts.

      The  Rule  12b-1  Plan  associated  with  the  Class  C  Shares  has  two
components.  The first  component is a  shareholder  servicing  fee, to be paid
to  broker-dealers,  banks,  trust  companies  and others who provide  personal
assistance to shareholders in servicing  their accounts.  The second  component
is an  asset-based  sales charge to be retained by the  Distributor  during the
first year after the sale of shares,  and in  subsequent  years,  to be paid to
dealers  or  retained  by the  Distributor  to be  used  in the  promotion  and
distribution  of Class C Shares,  in a manner similar to that  described  above
for Class A Shares.

      The Rule 12b-1  Plans for the Class A,  Class B and Class C Shares  shall
operate in  accordance  with Rule 2830(d) of the Conduct  Rules of the National
Association of Securities Dealers, Inc.

      5.   The only  difference  in  expenses  as between  Class A, Class B and
Class C Shares  shall relate to  differences  in Rule 12b-1 plan  expenses,  as
described in the applicable Rule 12b-1 Plans;  however,  to the extent that the
Rule  12b-1  Plan  expenses  of one Class are the same as the Rule  12b-1  Plan
expenses of another Class, such classes shall be subject to the same expenses.

      6.   There shall be no conversion  features  associated  with the Class A
and  Class  C  Shares.  Each  Class  B  Share,  however,   shall  be  converted
automatically,  and  without  any action or choice on the part of the holder of
the Class B Shares,  into Class A Shares on the conversion date specified,  and
in  accordance  with  the  terms  and  conditions   approved  by  the  Franklin
California  Tax-Free  Trust's  Board  of  Trustees  and as  described,  in each
fund's  prospectus  relating to the Class B Shares,  as such  prospectus may be
amended  from time to time;  provided,  however,  that the Class B Shares shall
be converted  automatically  into Class A Shares to the extent and on the terms
permitted by the Investment  Company Act of 1940 and the rules and  regulations
adopted thereunder.

      7.   Shares of Class A, Class B and Class C may be  exchanged  for shares
of another  investment  company  within the Franklin  Templeton  Group of Funds
according to the terms and conditions stated in each fund's  prospectus,  as it
may be amended from time to time,  to the extent  permitted  by the  Investment
Company Act of 1940 and the rules and regulations adopted thereunder.

      8.   Each class will vote  separately with respect to any Rule 12b-1 Plan
related to, or which now or in the future may affect, that class.

      9.   On an ongoing basis, the Board members,  pursuant to their fiduciary
responsibilities  under the 1940 Act and  otherwise,  will monitor the Fund for
the existence of any material  conflicts  between the Board  members  interests
of the various  classes of shares.  The Board members,  including a majority of
the  independent  Board  members,  shall  take  such  action  as is  reasonably
necessary  to  eliminate  any  such   conflict   that  may  develop.   Franklin
Advisers, Inc. and Franklin/Templeton  Distributors,  Inc. shall be responsible
for alerting the Board to any material conflicts that arise.

      10.  All material  amendments to this Plan must be approved by a majority
of the Board  members,  including a majority  of the Board  members who are not
interested persons of the Investment Company.

      11.  I, Karen L. Skidmore,  Assistant  Secretary of the Franklin Group of
Funds,  do  hereby  certify  that  this  Multiple  Class  Plan was  adopted  by
Franklin   California   Tax-Free  Trust,  on  behalf  of  its  series  Franklin
California  Insured  Tax-Free Income Fund, by a majority of the Trustees of the
Trust on February 1, 2000.




                                          /S/ KAREN L. SKIDMORE
                                          Karen L. Skidmore
                                          Assistant Secretary



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