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hi lee phillips here i want to talk to you for a minute about what we call a certification of trust or a summary of the trust the question is when you go to the brokerage house when you go to the bank account the the bank they want to see the trust and [Applause] what do they need what should you give them thats the question i always get and it depends upon the bank actually make sure you get my ebook on how to use a trust im going to explain stuff like this in that so you can can see that but when i first started what 40 years ago doing these trust things the banks didnt know anything about the trust and i would have to go down to the bank and say bank ive done a trust for this client they need to change their bank account to the name of the trust so that we dont go through probate you know all that but the trust has to be there at the bank because when the bank opens the checking account in the name of the trust they are agreeing that they will gove