Irrevocable Trust Agreement

Irrevocable Trust for Future Benefit of Trustor with Income Payable to Trustor after Specified Time

Trust Agreement made on (date), between (Name of Trustor), of (street address, city, county, state, zip code), hereinafter called the Trustor, and (Name of Trustee), of (street address, city, county, state, zip code), hereinafter called the Trustee.

For and in consideration of the terms and conditions set forth in this Agreement, Trustor and Trustee agree as follows:

I. Trust Estate. Trustor delivers, assigns, and transfers to Trustee in trust for the uses and purposes described below that property described in Exhibit A, which is attached and incorporated by this reference. Receipt of the property, referred to as the Trust Estate, is acknowledged by Trustee.

II. Disposition of Principal and Income. Trustee shall receive, hold, administer, invest, and reinvest, disburse, and apply the principal and income of the Trust Estate and the proceeds as follows:

A. For a period of (number) years from the date of this Agreement, Trustee shall distribute, accumulate, and apply the net income of the Trust in the following manner:

B. After the expiration of the (number)-year period from the date of this Agreement, Trustee shall pay the net income to Trustor in monthly installments for the balance of Trustor's life. However, if Trustor should at any time, by an acknowledged instrument in writing, relinquish this right to income, then from and after the date of the instrument all income to which Trustor would otherwise be entitled shall be paid in monthly installments to (name of beneficiary), and after (name of beneficiary)'s death to (his/her) issue who survive (him/her), in equal shares, per stirpes, or if there are no such issue, to (his/her) heirs as determined by the laws of (name of state) then prevailing.

C. On the death of Trustor, Trustee may pay out of the income or principal of the Trust Estate, at its discretion, the expenses of the last illness and funeral of Trustor.

D. After the death of Trustor and payment of the expenses of Trustor's last illness and funeral, Trustee shall dispose of the remaining principal and income of the Trust Estate in the following manner:

III. Additions to Trust. Trustor may from time to time add to the Trust Estate by payment or transfer to Trustee such funds, securities, or other assets as Trustor may at Trustor's option elect. Trustee shall receive the same as additions to the Trust. In Trustee's discretion, Trustee may accept from other persons, or from the executors or administrators of the estates of Trustor or of others, further funds, securities, and assets that, if and when accepted, shall likewise be additions to the Trust, subject to all the terms and provisions of this Agreement.

IV. Invasion of Principal. Trustee may in its discretion distribute to, or use or apply for the benefit of, Trustor or any other beneficiary entitled to receipt or application of net income, such amounts out of that part of the principal of this trust providing the income of the beneficiary as Trustee shall deem necessary by reason of accident, illness, adversity, or any other cause that reasonably requires such distribution or application for the maintenance or other necessities of the beneficiary and his or her dependents.

V. Irrevocability of Trust. This Trust shall be irrevocable and, except for the right to relinquish Trust income reserved in Section II, shall not be altered, amended, revoked, or terminated by Trustor or any other person.

VI. Powers of Trust.

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VII. Limitations on Powers.

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VIII. Compensation of Trustee.

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IX. Successor Trustee. Should Trustee become unable or unwilling to act as Trustee of this Trust, then (name of successor Trustee), of (street address, city, county, state, zip code), shall become Trustee of the Trust. The successor Trustee shall succeed to all the title of Trustee to the Trust Estate, and to all powers, rights, discretions, obligations, and immunities of Trustee under this Agreement with the same effect as if originally named Trustee in this Agreement.

X. Governing Law. The trust provided for in this Agreement has been accepted by Trustee in (name of city), (name of state), and shall be governed by the laws of that state.

WITNESS our signatures as of the day and date first above stated.

(Acknowledgments)

(Attachment of exhibit)