REVOCABLE LIVING TRUST AGREEMENT FOR AN INDIVIDUAL

[Note: This creates a trust for the lifetime use of (e.g. a single 
person) as Grantor with both the Grantor and a Third Party as Co-
Trustees.  Upon the death of the individual, property in the trust goes 
to any person specified in the trust.]
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REVOCABLE LIVING TRUST AGREEMENT

This Revocable Living Trust Agreement is made this (day) day of (month), 
19(year), between (Name), of (address), City of (city), State of 
(State), herein referred to as Grantor, and (name), of (address), City 
of (city), State of (state), herein referred to as co-trustees.

Whereas, grantor is now the owner of the property described in Exhibit A 
attached hereto and made a part hereof, and

Whereas, grantor desires to make provision for the care and management 
of such property, and the collection of the income therefrom, and the 
disposition of both such income and such property in the manner herein 
provided:

Now, therefore, for the reasons set forth above, and in consideration of 
the mutual covenants set forth herein, grantor and trustees agree as 
follows:

1. Transfer of Property: Grantor, in consideration of the acceptance by 
trustee of the trust herein created, hereby convey, transfer, assign, 
and delivers to trustees, their successors in trust and assigns, the 
property described in Exhibit A attached hereto and made a part hereof, 
by this reference, which property, together with all other property that 
may from time to time be held by trustees hereunder, is herein referred 
to as Trust Estate.  Grantor, and any other persons shall have the right 
at any time to add property acceptable to trustees to this trust and 
such property, when received and accepted by trustees, shall become part 
of the trust estate.

2. Disposition of Income and Principal: Trustees shall care for and 
manage the trust estate and collect the income derived therefrom, and, 
after the payment of all taxes and assessments thereon and all charges 
incident to the management thereof, dispose of the net income therefrom 
and corpus thereof, as follows:

During the lifetime of grantor the trustees may pay income of the trust 
estate and such portions of the principal as the grantor from time to 
time may direct to the grantor, or otherwise as he/she directs during 
his/her life.  After the death of the grantor the successor trustee 
shall distribute the trust estate to the following beneficiary or 
beneficiaries who shall survive me:  (names and addresses)

_______________________________________________________________________

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The share of any beneficiary who shall be under the age of (age) years 
shall not be paid to such beneficiary but shall instead be held in trust 
to apply to his/her use all the income thereof, and also such amounts of 
the principal, even to the extent of all, as the trustee deems necessary 
or suitable for the support, welfare, and education of such beneficiary; 
and when he/she attains the age of (age) years, to pay him/her the 
remaining principal, if any.  If any beneficiary for whom a share is 
held in trust should die before having received all the principal 
thereof, then upon his/her death the remaining principal shall be paid 
to his/her then living child or children, equally if more than one, and 
in default thereof, to the then living descendants of the grantor, per 
stirpes.  No interest hereunder shall be transferrable or assignable by 
any beneficiary, or be subject during his or her life to the claims of 
his or her creditors.  Notwithstanding anything herein to the contrary, 
the trusts hereunder shall terminate not later than twenty-one (21) 
years after the death of the last beneficiary name herein.

3. Revocation and Amendment: The grantor may, by signed instrument 
delivered to the trustee, revoke the trusts hereunder, in whole or in 
part, or amend this Agreement from time to time in any manner.

4. Successor Trustees: In the event of the death or incapacity of both 
trustees, I hereby nominate and appoint as successor trustee (name) and 
(address).  In the event the successor trustee does not serve I appoint 
whomever shall at the time be the first designated beneficiary 
hereunder.  The trustees and their successors shall serve without bond.

5. Trustees' Acceptance: This trust has been accepted by trustees and 
will be administered in the State of (state) and its validity, 
construction, and all rights thereunder shall be governed by the laws of 
that state.

In Witness Whereof, grantors and trustees have executed this Agreement 
on the date above written.

 _________________________     _________________________
Grantor                       Co-Trustee

_________________________     _________________________
Witness 1                     Co-Trustee

_________________________     _________________________
Witness 1                     Witness 2

Sworn to and subscribed before me this (day) day of (month), 19(year).

 My commission expires:          _________________________
                                Notary Public

___________________ Date

Exhibit A  (Separate Page)
(Listing of property included in this agreement)

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