CARDHOLDER'S INQUIRY CONCERNING BILLING ERROR

TO: __________________________

       __________________________

Cardholder's address: _______________________________

Credit Card account Number: _________________________

On the periodic billing statement dated ______________, 19_____, for the

above-numbered credit card account, I determined there was a billing error; specifically:

(DESCRIBE ERROR)

It is my belief that the posting of such debit is incorrect because:

(DISCUSS REASON)

Please be advised that the billing error described above does not concern any dispute with

respect to value, quality, or quantity of the goods obtained through use of my credit card.

I would appreciate that the billing error be corrected, or that you otherwise respond to this

inquiry, at your earliest convenience.

Name of cardholder: _________________________________

DECLARATION OF IRREVOCABLE TRUST

This Declaration of Irrevocable Trust is made this ____ day of __________________,

19____, by and between ________________, of ___________________________, hereinafter

called the Trustor, and ______________________, of ____________________________,

hereinafter called the Trustee.

I 

The Trustor hereby irrevocably assigns, conveys and gives to the Trustee, in trust, the

following property:

(Description of Property)

II

The Trustee shall receive and hold said property, together with any additions thereto, in

trust for the use and benefit of:

III

This trust shall be irrevocable and unamendable. I am aware of the consequences of

establishing an irrevocable trust and hereby affirm that the trust created by this agreement shall be

irrevocable by me or by any other person, it being my intention to make to the

beneficiary/beneficiaries named herein an absolute gift of the property described in paragraph ONE,

above.

IV

This agreement and the trust created hereby shall be administered, managed, governed

and regulated in all respects according to applicable statutes of the State of ______________.

V

Management of the Trust

To invest and reinvest, lease, rent, mortgage, insure, repair, improve or sell any of the real

and personal property of the trust as he may deem advisable.

Business Interests

To sell or otherwise liquidate, or to continue to operate at his discretion, any corporation,

partnership or other business interest which may be received by the trust.

Mortgages, Pledges and Deeds of Trust

To enforce any and all mortgages, pledges and deeds of trust held by the trust and to

purchase at any sale thereunder any such real estate or personal property subject to any mortgage,

pledge or deed of trust.

Litigation

To initiate or defend, at his discretion, any litigation affecting the trust.

Attorneys, Advisors and Agents

To employ and to pay from the trust reasonable compensation to such attorneys,

accountants, brokers, and investment, tax and other advisors as he shall deem advisable.

Adjustment of Claims

To submit to arbitration, to compromise or to release or otherwise adjust, with or without

compensation, any and all claims affecting the trust estate.

VI

No bond for the faithful performance of duties shall be required of any Trustee appointed

under this agreement.

VII

The Trustee shall receive reasonable compensation for the services performed by him, but

such compensation shall not exceed the amount customarily received by corporate fiduciaries in

the area for like services.

VIII

No Trustee of the trust created by this agreement shall at any time be held liable for any

action or default of himself, or of his agent, or of any other person in connection with the

administration and management of this trust unless caused by his own gross negligence or by

commission of a willful act of breach of trust.

IX

The Trustee, by joining in the execution of this agreement, hereby signifies his acceptance

of this trust.

X

The Trustee shall have sole authority to determine what shall be defined as income and

what shall be defined as principal of the trust established by this agreement, and to determine

which costs, taxes and other expenses shall be paid out of income and which shall be paid out of

principal.

XI

In the event that any portion of this agreement or the trust created hereby shall be held

illegal, invalid or otherwise inoperative, it is my intention that all of the other provisions

hereof shall continue to be fully effective and operative insofar as is possible and reasonable.

IN WITNESS WHEREOF, the parties hereto have executed this agreement the day and

year first above written.

_______________________________ _____________________________

Trustor

_______________________________

_______________________________ _____________________________

Trustee

_______________________________

I, the undersigned spouse of the above-described Trustor, do hereby waive and relinquish

any and all claim to whatever community-property rights I may have in the hereinabove-described

property and do give and grant my assent to the trust and to the

incorporation therein of said property.

_______________________________ _____________________________

Legal Spouse of Trustor

_______________________________

STATE OF _____________________)

) ss:

COUNTY OF ____________________)

On this ____ day of _________________, 19____, before me personally came and

appeared ______________________ and ______________________, known, and known to me, to be the individuals described in and who executed the foregoing instrument, and who duly

acknowledged to me that they executed same for the purpose therein contained.

IN WITNESS WHEREOF, I hereunto set my hand and official seal.

_____________________________

My Commission Expires: ______________________