GRANT THORNTON LLP
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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Board of Trustees of the HC Capital Trust and Shareholders of
The U.S. Equity Portfolio
The Institutional U.S. Equity Portfolio
The ESG Growth Portfolio
The Catholic SRI Growth Portfolio
The International Equity Portfolio
The Institutional International Equity Portfolio
The Emerging Markets Portfolio
The Core Fixed Income Portfolio
The Corporate Opportunities Portfolio
The U.S. Government Fixed Income Securities Portfolio
The U.S. Corporate Fixed Income Securities Portfolio
The U.S. Mortgage/Asset Backed Fixed Income Securities Portfolio
The Short-Term Municipal Bond Portfolio
The Intermediate Term Municipal Bond Portfolio

In planning and performing our audit of the financial
statements of The U.S. Equity Portfolio, The Institutional
U.S. Equity Portfolio, The ESG Growth Portfolio, The Catholic
SRI Growth Portfolio, The International Equity Portfolio,
The Institutional International Equity Portfolio, The
Emerging Markets Portfolio, The Core Fixed Income Portfolio,
The Corporate Opportunities Portfolio, The U.S. Government
Fixed Income Securities Portfolio, The U.S. Corporate
Fixed Income Securities Portfolio, The U.S. Mortgage/Asset
Backed Fixed Income Securities Portfolio, The Short-Term
Municipal Bond Portfolio, The Intermediate Term Municipal
Bond Portfolio (collectively constituting HC Capital Trust,
hereafter referred to as the "Portfolios") as of and for
the year ended June 30, 2025, in accordance with the standards
of the Public Company Accounting Oversight Board
(United States), we considered the Portfolios' internal control
over financial reporting, including controls over safeguarding
securities, as a basis for designing audit procedures for the
purpose of expressing an opinion on the financial statements
and to comply with the requirements of Form NCEN, but not for
the purpose of expressing an opinion on the effectiveness of
the Portfolios' internal control over financial reporting.
Accordingly, we express no such opinion.

Management of the Portfolios is responsible for establishing
and maintaining effective internal control over financial
reporting. In fulfilling this responsibility, estimates and
judgments by management are required to assess the expected
benefits and related costs of controls. A portfolio's internal
control over financial reporting is a process designed to
provide reasonable assurance regarding the reliability of
financial reporting and the preparation of financial statements
for external purposes in accordance with generally accepted
accounting principles. A portfolio's internal control
over financial reporting includes those policies and
procedures that (1) pertain to the maintenance of records
that, in reasonable detail, accurately and fairly reflect
the transactions and dispositions of the assets of the
portfolio; (2) provide reasonable assurance that transactions
are recorded as necessary to permit preparation of
financial statements in accordance with generally accepted
accounting principles, and that receipts and expenditures
of the portfolio are being made only in accordance with
authorizations of management and directors of the portfolio;
and (3) provide reasonable assurance regarding prevention
or timely detection of unauthorized acquisition, use, or
disposition of the portfolio's assets that could have a
material effect on the financial statements.

Because of its inherent limitations, internal control over
financial reporting may not prevent or detect misstatements.
Also projections of any evaluation of effectiveness to
future periods are subject to the risk that controls may
become inadequate because of changes in conditions, or the
degree of compliance with policies and procedures may
deteriorate.

A deficiency in internal control over financial reporting
exists when the design or operation of a control does not
allow management or employees, in the normal course of
performing their assigned functions, to prevent or detect
misstatements on a timely basis. A material weakness is a
deficiency, or a combination of deficiencies, in internal
control over financial reporting, such that there is a
reasonable possibility that a material misstatement of the
Portfolios' annual or interim financial statements will
not be prevented or detected on a timely basis.

Our consideration of the Portfolios' internal control over
financial reporting was for the limited purpose described in
the first paragraph and would not necessarily disclose all
deficiencies in internal control over financial reporting that
might be material weaknesses under standards established by the
Public Company Accounting Oversight Board (United States).
However, we noted no deficiencies in the Portfolios' internal
control over financial reporting and its operation, including
controls over safeguarding securities, which we consider to
be material weaknesses as defined above as of June 30, 2025.

This report is intended solely for the information and use of
management and the Board of Trustees of HC Capital Trust and
the U.S. Securities and Exchange Commission and is not intended
to be and should not be used by anyone other than these
specified parties.

/s/ Grant Thornton LLP

Philadelphia, Pennsylvania August 22, 2025