Estate Planning Document

REVOCABLE LIVING TRUST AGREEMENT

This Revocable Living Trust Agreement (the Agreement) is made on this by and between Settlor Name: residing at Settlor Address: (the "Settlor"), and Trustee Name: residing at Trustee Address: (the "Trustee").

RECITALS

WHEREAS, Settlor desires to create a revocable trust for the management of Settlor's property during Settlor's lifetime and for distribution upon Settlor's death; and

WHEREAS, Trustee is willing to accept appointment as Trustee subject to the terms and conditions set forth in this Agreement; and

WHEREAS, Settlor intends to transfer and assign certain property to the Trustee to hold, manage and distribute in accordance with this Agreement.

NOW, THEREFORE, in consideration of the mutual covenants contained herein and other good and valuable consideration, the parties agree as follows:

1. NAME OF TRUST; DECLARATION OF TRUST

1.1 Trust Name. The trust created by this Agreement shall be known as the Settlor Name: Revocable Living Trust (the "Trust").

1.2 Declaration. Settlor hereby delivers and transfers to Trustee and Trustee accepts all property listed on Schedule A and any other property later transferred to the Trust, to hold, manage and distribute as provided in this Agreement.

2. TRUST PROPERTY; SCHEDULE A

2.1 Trust Property. The property initially held by the Trust is identified on Schedule A attached hereto. Settlor may transfer additional property to the Trust during Settlor's lifetime by written instrument delivered to Trustee.

3. DISTRIBUTIONS DURING LIFETIME

3.1 Income and Principal. During Settlor's lifetime, Trustee shall pay to or apply for Settlor's benefit such amounts of income and principal as Trustee in Trustee's discretion deems necessary or advisable for Settlor's health, support, maintenance, and reasonable comfort, taking into account Settlor's standard of living and other resources.

3.2 Standard of Care. Trustee shall act in a fiduciary capacity and shall exercise reasonable care, skill and caution in administering the Trust consistent with applicable law.

4. DETERMINATION OF INCAPACITY

4.1 Incapacity Determination. If Settlor's incapacity is asserted, Trustee may determine incapacity upon receipt of written certification from one licensed physician or, if available and applicable, a court order. During any period of incapacity, Trustee shall have the powers set forth herein for the benefit of Settlor.

5. TRUSTEE POWERS

5.1 General Powers. In addition to powers conferred by law, Trustee shall have all powers necessary or convenient to carry out the purposes of this Trust, including, without limitation, the power to invest and reinvest assets, buy, sell, lease and encumber property, compromise claims, employ agents and advisors, execute and deliver instruments, and allocate receipts and charges between income and principal in a manner consistent with applicable law.

5.2 Construction of Powers. Trustee's powers shall be construed liberally. Trustee may exercise powers without court approval unless required by law.

6. REVOCATION AND AMENDMENT

6.1 Revocation. During Settlor's lifetime, Settlor reserves the absolute right to revoke or terminate this Trust in whole or in part by a written instrument signed by Settlor and delivered to Trustee.

6.2 Amendment. Settlor may amend this Agreement, in whole or in part, by written instrument signed by Settlor and delivered to Trustee. Any amendment shall be effective upon receipt by Trustee unless the amendment specifies a later effective date.

7. DISTRIBUTION UPON SETTLOR'S DEATH

7.1 Primary Beneficiaries. Upon Settlor's death, Trustee shall distribute the remaining trust estate to the following primary beneficiaries, in the proportions indicated:

7.2 Per Stirpes. If a beneficiary predeceases Settlor, the deceased beneficiary's share shall be distributed per stirpes to his or her descendants, unless otherwise indicated.

8. SUCCESSOR TRUSTEE

8.1 Successor Trustee Designation. If Trustee is unable or unwilling to serve, the following person is designated as successor Trustee: . If the named successor is unable or unwilling to serve, Trustee shall appoint a successor in accordance with applicable law.

9. ACCOUNTING AND RECORDS

9.1 Records. Trustee shall maintain accurate records of all receipts, disbursements and transactions for the Trust and shall provide periodic accountings to the beneficiaries as required by applicable law.

10. TRUSTEE COMPENSATION AND BOND

10.1 Compensation. Trustee shall be entitled to reasonable compensation for services rendered and reimbursement for reasonable expenses incurred in the administration of the Trust, payable from Trust assets.

10.2 Bond. Trustee shall serve without giving bond unless a court of competent jurisdiction requires a bond. Settlor directs that no bond be required unless otherwise ordered.

11. SPENDTHRIFT AND CREDITOR PROTECTION

11.1 Spendthrift. To the extent permitted by law, no beneficiary's interest in income or principal shall be assignable by the beneficiary or subject to the beneficiary's creditors prior to actual receipt by the beneficiary.

12. NOTICES

12.1 Notices. Any notice required or permitted under this Agreement shall be in writing and shall be delivered personally, by certified mail, postage prepaid, or by nationally recognized overnight courier to the following addresses:

13. GOVERNING LAW; MISCELLANEOUS

13.1 Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of without regard to choice of law principles.

13.2 Entire Agreement. This Agreement contains the entire agreement among the parties with respect to the subject matter hereof and supersedes all prior agreements and understandings, whether written or oral.

13.3 Severability. If any provision of this Agreement is declared invalid or unenforceable, such invalidity shall not affect the remaining provisions, which shall continue in full force and effect.

13.4 Amendments; Waiver. No amendment or waiver of any provision of this Agreement shall be effective unless in writing and signed by Settlor and Trustee. A waiver of any breach shall not constitute a waiver of any subsequent breach.

13.5 Counterparts. This Agreement may be executed in counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument.

14. REPRESENTATIONS AND WARRANTIES

14.1 Settlor represents and warrants that Settlor is of sound mind, has the capacity to create this Trust, and is the lawful owner of any property transferred to the Trust. Trustee represents that Trustee has authority to accept appointment and will act in a fiduciary capacity.

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