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I appoint [name of individual] and [bank] as Co-Trustees. Should [individual Co-Trustee] fail to qualify or cease to act as Co-Trustee, for any reason, I appoint [name] as Co-Trustee in Co-Trustee's place. If [substitute Co-Trustee]
should also fail to qualify or cease to act as Co-Trustee, for any reason, then [bank] shall act as sole Trustee.