{Date}

Mr./Ms.

Dear Sir/Madam:

On ___________________, ____________________transferred cash in the amount of

$______________________ to the _________________ ___________________________Trust.
Under the terms of the Trust, the beneficiaries have the right to demand up to $__________ each
from the Trust for 20___.    If you demand this amount for any of the beneficiaries, you may
receive cash, property of that value, or a combination of cash and property.

In order to exercise this right, written notices of your demand must be delivered to me
within thirty days of the receipt of this letter.    In the event that you do not make demand during
the required period, the right will lapse and you will no longer have the right to demand any
portion of the gift for 20____.

Once you have read and understand what is contained in this letter, please sign a copy of
it where indicated and return it to me.    If you have any questions concerning the trust or your
right to withdraw assets from the trust, please feel free to call me.

                                   
Yours very truly,

_______________________
________________, Trustee

I have read this letter and fully understand its contents, including the procedure necessary
to exercise my demand rights and the period in which the demand must be exercised.

____________________________
Dated:_______________________