Agreement and Declaration of Trust

                                                                AGREEMENT AND DECLARATION OF TRUST

(Illinois Land Trust)

      THIS AGREEMENT AND DECLARATION OF TRUST is made and entered into this            day of                                  , 20           , by and between                                                                                                                                                          , as Grantors and Beneficiaries, (hereinafter referred to as the “Beneficiaries", whether one or more, which designation shall include all successors in interest of any beneficiary), and                                                                                                                                                          , whose address is                                                                                                                                                                                                                                                                    , (hereinafter referred to as the "Trustee", which designation shall include all successor trustees).

                                                                                                  (13pgs)