<html><body><span style="font-family:Times New Roman; color:#000000; font-size:12pt;"><div>My clients tell me that the banks will not allow them to list a beneficiary as the Successor Trustee - so that the beneficiary takes the funds as a fiduciary, what wording do others use? Thanks Mike </div><div><br></div><div><img id="sigimg0" title="signature image" src="cid:sigimg0@99521afe6fdaab47e98c0f70eb63aaae" mce_src="cid:sigimg0@99521afe6fdaab47e98c0f70eb63aaae" border="0" alt=""></div></span></body></html>