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16. Incorporation by Reference.
 
 
 
 
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16. Incorporation by Reference.

This instrument may be and is intended to be incorporated by reference in any will, trust or other instrument whereby property is transferred to the Trustee and an income interest is retained or created for the life of one or more beneficiaries, each of whom is living at the time of transfer. This instrument, together with any such instrument of transfer, shall together be considered the "governing instrument" for such transfer. Any property transferred to the Trustee by will


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or otherwise whereby an income interest is retained or created for the life of one or more named beneficiaries each of whom is living at the time of transfer, where this instrument is not incorporated by reference, shall be made a part of the Pool and be held, administered and distributed under the terms of this instrument unless the will or other instrument of transfer is inconsistent with such action by the Trustee.