ÿWPCë …# VU:a %› 0û¡ Rœ 4î  0? 0DP ” w@œ RÜ 0J. 0Tx 0^Ì 0h* 0r’ 0| 0†€ 0 1u–U,  0d7U,› BÇU*äB)DC7 AMz»Ç D3‚v~µvÓ3 0@ AOFÆ• 0D[ D/Ÿ BΘHP LaserJet 4Si/4SiMX PS 600dpiPSCRIPTÀäÌÀÀÌÀä0 , øð AZ‹"Arial RegularX(ÓH=$¡¡Ñ  ÑÒH°ÒÒ°ÒÑTR[  AØ'ÿ Legal[  AØ'ÿ Legal AØ'ÿ Legal AØ'ÿ LegalTÑÔ€XÎ_XXXÔÑ7€¾úXXdðXXdð7ÑHT„ÖWKd014DA`6Ø'ð‹â #3|xr(ï(3æŸ$¤¤Ý ƒH=!ÝÑ  ÑÒH°ÒÒ°ÒÑTR[  AØ'ÿ Legal3Ø' AØ'ÿ Legalÿ3Ø'TÑÔ€XŸõXXXÔÑ7€ŸõXXdædæ7ÑÝ  Ýà ` àòòÚ  Ú0Ú  Úóó(#Ã$òòÚ  Ú0Ú  Úóó ^U_P`aEbcdDefÓ€rHÔ  Ôôdddì  ÔÔ,$ÔôL5E,HP LaserJet 4,LPT1:2 ÿÿ0Indent1Ô2ÔÔ3  Ô2" ÿÿ0Indent2à0 àÔ2ÔÔ3  Ô2, ÿÿ0Indent3à0 àà0 àÔ2ÔÔ3  Ô26 ÿÿ0Indent4à0 àà0 àà0 àÔ2ÔÔ3  Ô2@ ÿÿ0Indent5à0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2J ÿÿ0Indent6à0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2T ÿÿ0Indent7à0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2^ ÿÿ0Indent8à0 àà0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô ÿÿ?AGMSYaioIndent0I.A.1.a.(1)(a)i)a)< Œ 9p`(ModernP ÿÿ8Mac DefaultMac DefaultÓ ` °šXÓ< Œ 9p`(Monaco d< Œ 9p`(Arial% Line 7 d&&&&7Border 1dd€-'Cþÿ << Gÿÿ ±Ý ƒ!ÝÑ  ÑÑ#€d#ÑÔ€ÔÔ€%ÔÑ  ÑÒ  ÒÒ H ÒÑ\R AØ'\ÑÑ#€d#ÑÝ  ÝÔ€%ÔÓ  ÓÔ YYY ÔFILEDÔ€%XÔÌÌò òAugustÏ16,Ï1996ÌÌCecilÏCrowson,ÏJr.ÌÔ€%ôÔAppellateÏCourtÏClerkó ó$$$$'ÿÿdxdPtPtHHÚ(ÿáÿâùFG(üHHØ(d'`Styl{WP}01•ÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃà Ãà Ãà Ãà Ãà ÃÃÃÃÃÃÃÃÃÃÃÐ ÐÐHHÐÐ  ÐÐ2ÐÐÿÿ¸æ$ÿÐÐHHÐÐÐÐÐÐÐÐ  ÐÐ ÐÐ ÐÑÑÑGenevaÑÑ ÑÑ € ÑÑ<Px–ÈÑÒÒÒ443!#4ÒÒ$ *$ÒÒ$*$ÒÒ ÿKK ÒÒ  Geneva ÒÒ  Geneva ÒÓ.,ÓÓÓÓ6ÓÓ ÓßßßßßßßßßßßßßßßßßßÑMonacoÑÑ ÑÒ  BA Op Monaco ÒÒ  BA Op Monaco Ò("ÿÿ$££Ò  ÒÒ  Ò€-‚ƒCþÿ<< CÿÿƒLevel 1Level 2Level 3Level 4Level 5($$””ò òÚ  Ú2Ú  Úó ó„„'÷ÿ dxdüÿP PdÝ ƒ!ÝÔ . ÔÔ€ÔÓ&€##X„d&ÓÑ#€##Xd#ÑÔ€%ÔÑ  ÑÒ  ÒÒ H ÒÑ\R AØ'\ÑÑ#€Xd#ÑÑ#€Xd#ÑÝ  Ý›ò òÓ  ÓœIN›€THE€COURT€OF€APPEALS€OF€TENNESSEEÌWESTERN€SECTION€AT€NASHVILLEÌ„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„„̜ـ€ÙÙ€€ÙßL€()';+'h|` à. `€€Lß›ÌÓ  ÓÌÌSHERRY€BROWNó ó,€as€next€friend€andà à)Ìnatural€mother€of€her€minor€children,à à)Ìò òAMANDA€DANETTE€MCMULLINó ó€andà à)à àLawrenceÏChancery€No.€6489„93Ìò òADAM€WAYNE€MCMULLINó ó,à àà à)Ìà àà àà àà àà àà à)Ìà àœPlaintiff/Appellee›à àà àà à)à àÌv.à àà àà àà àà àà à)à àAppeal€No.Ï01A01„9603„CH„00113Ìà àà àà àà àà àà à)à àÌò òDORRIS€MCMULLIN,€LARRY€à àà àó ó)Ìò òMCMULLIN,€HELEN€MCMULLINó ó€andà à)Ìò òTHE€ESTATE€OF€EUGENEà àà àó ó)à àÌò òMCMULLIN,ó óà àà àà àà àà à)Ìà àà àà àà àà àà à)Ìà àDefendants/Appellantsà àà à)ÌÌÌÓ  ÓAPPEAL€FROM€THE€CHANCERY€COURT€OF€LAWRENCEÏCOUNTYÌAT€LAWRENCEBURG,€TENNESSEEÌTHE€HONORABLE€JAMES€L.€WEATHERFORD,ÏCHANCELLORÌÓ  ÓÌÌò òJ.€DANIEL€FREEMONà àà àà àJANE€M.€JENNINGSó óÌò òFreemon,€Hillhouse€&€Huddlestonó óà àò òHairell€&€Jenningsó óÌ327€W.€Gaines€St.à àà àà àà àP.O.€Drawer€N.ÌP.O.€Box€787à àà àà àà à200€Mahr€Ave.à àà àÌLawrenceburg,€TN€€38464à àà àà àLawrenceburg,€TN€Ï38464ÌAttorney€for€Appellantsà àà àà àAttorney€for€œAppellee›ÌÌÌÌà àà àà àà àà àà àÌÌÌÌÌÌÌÌÌÌÌÌÌÌÌò òAFFIRMED€AND€REMANDEDà àÌÌà àà àà àà àà àà àWILLIAM€H.€INMAN,€SENIOR€JUDGEÌÌCONCUR:ÌÌW.€FRANK€CRAWFORD,€PRESIDING€JUDGE€ÌÌALAN€E.€HIGHERS,€JUDGEó óÌÌÑ  ÑÌÌÓÓà@ àò òòòO€P€I€N€I€O€NÌóóó óÌà àThe€proceeds€of€a€policy€of€insurance€on€the€life€of€Donnie€McMullin€wereÏpaid€to€his€mother,€Edith€McMullin,€the€named€beneficiary,€who,€jointly€with€herÏhusband,€Eugene€McMullin,€deposited€these€funds€in€a€trust€account,€having€firstÏexecuted€a€Discretionary€Revocable€Joint€Trustee€Agreement€which€designatedÏthem€as€joint€trustees€of€the€funds€for€their€grandchildren,€Amanda€and€AdamÏMcMullin€(children€of€their€son,€Donnie€McMullin,€the€insured€decedent)€asÏbeneficiaries.€€Edith€and€Eugene€McMullin€had€two€other€sons,€Larry€and€DorrisÏMcMullin.Ìà àSix€years€later,€Edith€McMullin€died€and€Eugene€McMullin€continued€to€serveÏas€trustee.€€The€trust€funds€remained€intact€and€productive€until€October€21,€1993,Ïwhen€they€were€paid€out€by€the€depository€bank€under€unusual€œcircumstances.Ìà àThe€surviving€trustee,€Eugene€McMullin,€became€mortally€ill.€€He€was€beingÏtransported€to€a€hospital€on€October€21,€1993€[one€week€before€his€death]€by€LarryÏMcMullin€and€Helen€McMullin€(wife€of€Dorris),€when€they€stopped€òòen€routeóó€at€theÏdepository€bank.€€Eugene€was€too€ill€to€leave€the€car.€€Larry€and€Helen€entered€theÏbank€and€prevailed€upon€the€bankers€to€change€the€beneficiaries€of€the€trust€fromÏAdam€and€Amanda€McMullin€(both€minors)€to€Larry€and€Dorris€McMullin,€theÏbrothers€of€the€minorsðð€deceased€father.€€Not€the€least€lacking€in€cooperation,€theÏbank€issued€two€cashiers€checks,€each€in€the€amount€of€$49,945.53€to€Larry€andÏDorris€McMullins.Ìà àIt€is€not€disputed€that€Eugene€McMullin,€the€trustee,€did€not€enter€the€bank€onÏOctober€21,€1993€and€did€not€communicate€with€a€banker.€€He€signed€noÏinstruments€of€any€kind.€€The€record€offers€little€explanation€of€the€somewhatÏremarkable€banking€practice€evident€from€the€foregoing€recitation.›Ìà àWe€reproduce€the€trust€agreement€verbatim.ÌÓÓ̜Ԁ%&ÔÌÌ›à àDISCRETIONARY€REVOCABLE€TRUST€ACCOUNTÔ€%ôÔÌà à(BOTH€SIGNATURES€REQUIRED€FOR€WITHDRAWAL)€€€€€€€€€€Ô€%&ÔAccount€No.€02„62„20328„5Ìà à(1)€€MCMULLIN,€EDITHÌandà à(2)€€MCMULLIN,€GENEà àà àà àà àà àà à€€€€€€€Joint€TrusteesÌForà àMCMULLIN,à àADAMà àà àWAYNEà àà àà àà àà àBeneficiaryÌÌÔ€%XÔà àAs€joint€trustees€with€right€of€survivorship,€the€undersigned€hereby€apply€for€aÏsavings€account€in€the€MAURY€COUNTY€FEDERAL€SAVINGS€AND€LOANÏASSOCIATION€and€for€the€issuance€of€evidence€thereof€in€their€joint€names€asÏtrustees€described€as€aforesaid.€€You€are€directed€to€act€pursuant€to€the€joint„trusteesðð€signatures,€shown€below,€in€any€manner€in€connection€with€this€accountÏand€to€pay,€without€any€liability€for€such€payment,€to€any€one€of€the€surviving€of€saidÏtrustees€at€any€time€or€on€the€signature€of€a€duly€appointed€successor€trustee.€€It€isÏagreed€by€the€signatory€parties€with€each€other€and€by€parties€with€you€that€anyÏfunds€placed€in€or€added€to€the€account€by€any€one€of€the€parties€whether€in€hisÏtrustee€or€individual€capacity€is€and€shall€be€conclusively€intended€to€be€a€gift€at€thatÍtime€of€such€funds€to€the€trust€estate.€€You€are€authorized€to€accept€checks€andÏother€instruments€for€credit€to€this€account,€whether€payable€to€one€or€more€of€theÏparties,€and€to€supply€any€needed€endorsement.€€You€are€relieved€of€any€liability€inÏconnection€with€collection€of€all€items€handled€by€you€without€negligence,€and€shallÏnot€be€liable€for€acts€of€your€agents,€sub„agents,€or€others€or€for€any€casualty.€€SuchÏfunds€are€not€withdrawable€until€collected.€€Any€amount€not€collected,€together€withÏany€kind€of€expense€incurred€relative€to€the€account,€may€be€charged€to€it.Ô€%&ÔÌÌÔ€%XÔs/Edith€McMullinà àà àà àà àà àà àà àà àas€Joint€TrusteeÌs/Gene€McMullinà àà àà àà àà àà àà àà àas€Joint€TrusteeÌÌAddress€€Route€1,€Box€47à àSummertown,€TN€€38483à àÌAs€Trustee€forà àMCMULLIN,€ADAM€WAYNEà àà àà à€€€€€€€€€€BeneficiaryÔ€%&ÔÌÔ€%XÔas€specified€in€trust€agreement€on€reverse€side€hereof.à àDatedà àFeb.€9,€1987ÌÔ€%&ÔÌÓ  Ó*€€€*€€€*€€€*€€€*ÌÌÔ€%XÔDISCRETIONARY€REVOCABLE€JOINT€TRUST€AGREEMENTÌÓ  Óà àThe€funds€in€the€account€indicated€on€the€reverse€side€of€this€instrument,Ïtogether€with€earnings€thereon€and€any€future€additions€thereto,€are€conveyed€toÏthe€trustees€jointly€as€indicated€for€the€benefit€of€the€beneficiary€as€indicated.€€TheÏconditions€of€said€trust€are:€€(1)€The€trustees€are€authorized€to€hold,€manage,€investÏand€reinvest€said€funds€in€their€sole€discretion;€(2)€The€undersigned€grantorsÏreserve€the€right€to€revoke€said€trust€in€part€or€in€full€at€any€time,€and€any€partial€orÏcomplete€withdrawal€by€the€original€trustees,€if€they€be€both€of€the€grantors,€shall€beÏa€revocation€to€the€extent€of€such€withdrawal,€but€no€other€revocation€shall€be€validÏunless€written€notice€by€both€of€such€trustees€is€given€to€the€institution€named€on€theÏreverse€side€of€this€card;€(3)€In€the€event€of€the€death,€resignation,€removal€orÏincompetence€of€both€of€said€trustees,€DORRIS€MCMULLIN€is€appointed€successorÏtrustee,€and€in€the€event€of€his€death,€resignation,€removal,€or€incompetence,Ï[BLANK]€is€appointed€successor€trustee,€or€in€the€event€no€successor€trustee€isÏnamed€herein€or€the€successor€or€successors€die,€resign,€are€removed,€becomeÏincompetent,€or€fail€to€act,€the€institution€named€on€the€reverse€side€hereof€isÏauthorized€to€appoint€a€successor€trustee,€and€such€successor€trustee€shall€haveÏthe€powers€of€the€original€trustees;€(4)€This€trust,€subject€to€the€right€of€revocation,Ïshall€continue€for€the€life€of€the€grantors€and€thereafter€until€the€beneficiary€isÏTWENTY„FIVE€years€of€age€and€then€the€proceeds€shall€be€delivered€to€theÏbeneficiary,€and€if€the€age€of€the€beneficiary€is€not€specified€this€trust€is€for€twenty„one€years;€(5)€The€institution€in€which€such€funds€are€invested€is€authorized€to€payÏthe€same€or€to€act€in€any€respect€affecting€said€account,€before€or€after€theÏtermination€of€this€trust,€upon€the€signature€of€the€trustees,€or€successor€trustees,Ïduly€appointed,€and€has€no€responsibility€to€follow€the€application€of€the€funds.€€InÏthis€instrument,€except€as€otherwise€indicated,€the€singular€includes€the€plural€andÏthe€masculine€includes€the€feminine€and€the€neuter.ÌÌThis€NINTH€day€of€FEBRUARY,€1987Ìs/Edith€McMullinà àà àà àGrantor€s/Gene€McMullinà àà àà àGrantorÌÓÓÔ€%&ÔÌÔ€%XÔà àIt€will€be€seen€that€the€funds€were€deposited€in€a€Revocable€œTrust›€Account€byÏEdith€and€Gene€McMullin,€as€joint€trustees€with€a€right€of€survivorship;€that€theÏtrustees€(grantors)€retained€the€right€to€revoke€the€trust,€that€in€the€event€of€theÏdeath,€resignation,€removal€or€incompetence€of€òòbothóó€trustees,€Dorris€McMullin€wasÏdesignated€successor€trustee,€who€ð ðshall€have€the€powers€of€the€œoriginal›€trustees.ððÌà àBoth€parties€moved€for€summary€judgment,€relying€upon€their€depositionsÏand€the€depositions€of€bank€employees.€€The€trial€court€granted€the€motion€of€theÏplaintiff€and€denied€the€motion€of€the€defendants,€who€appeal€and€argue,€contrary€toÏtheir€position€in€the€trial€court,€that€there€are€contested€issues€of€material€fact.€€TheÏdefendants€raised€no€issue€of€œthe€purported›€œinappropriateness›€of€òòTenn.€R.€Civ.ÏProcóó.,€Rule€56,€until€the€trial€court€decided€the€case€adversely€to€them.€€WeÏobserve,€minimally,€that€this€procedure€is€unacceptable€and€not€in€the€best€interestsÏof€the€legal€profession.Ìà àWe€take€the€case€no€further€than€the€pleadings€warrant;€the€natural€guardianÏof€the€beneficiaries€alleged€essentially€that€Larry€and€Helen€McMullin€had€noÏauthority€to€revoke€the€trust€by€withdrawing€the€funds.€€That€they€did€so€is€notÏdisputed;€that€Eugene€McMullin,€the€surviving€œtrustee›€did€not€authorize€theÏstrangers€to€the€trust€to€revoke€the€trust€is€not€œseriously€questioned.›€€To€this€extent,Ïwe€think€the€trial€court€was€authorized€to€consider€summary€judgment,€œkeeping€inÏmind€that€the€soon„to„be›€successor€trustee€was€not€present.Ìà àWe€agree€that€on€October€21,€1993,€Larry€McMullin€and€Helen€McMullin€hadÏno€authority€whatever€to€revoke€the€trust€and€withdraw€the€corpus.€€They€were,Ïsimply€stated,€strangers€to€the€trust.€€In€connection€with€this€facet€of€the€case,€weÍobserve€that€the€parties€did€not€brief€the€issue€of€the€competency€of€œEugene›ÏMcMullin€and€for€this€reason€we€take€no€further€notice€of€it.Ìà àThe€trust€was€admittedly€a€revocable€one,€tentative€in€nature.€€By€its€terms,Ïthe€grantor(s)€retained€unrestrained€control€of€the€corpus,€thereby€empoweringÏthem€to€terminate€the€trust€in€their€discretion.€€òòSee€Leader€Fed.€Sav.€and€Loan€AssððnÏv.€Hamiltonóó,€330€S.W.2d€33€(Tenn.€App.€1959).€€The€appellee€argues€that€since€theÏtrust€agreement€provides€that€ð ðboth€signatures€required€for€withdrawal,ðð€theÏsurviving€trustee€could€not,€in€proper€person€or€by€agents,€unilaterally€revoke€theÏtrust.€€It€is€true€that€printed€near€the€top€of€the€depository€card€are€the€words€ð ðbothÏsignatures€required€for€withdrawalðð;€but€even€a€casual€reading€of€the€document€canÏlead€only€to€the€inescapable€conclusion€that€the€survivor€of€the€original€trustees,€orÏthe€successor€trustee,€was€authorized€to€revoke€the€trust.€€It€was€the€position€of€theÏappellee€at€argument€that€upon€the€death€of€Edith€McMullin€the€trust€becameÏirrevocable.€€We€obviously€do€not€agree€and€do€not€notice€the€point€further,€exceptÏto€observe€that€the€case€relied€on€by€the€appellee,€òòBumbaugh€v.€Burnsóó,€635€S.W.2dÏ518€(Tenn.€App.€1982),€is€inapposite€to€the€factual€posture€of€this€case.Ìà àIn€summary,€we€affirm€the€grant€of€summary€judgment€on€the€narrow€groundÏthat€Larry€and€Helen€McMullin€were€strangers€to€the€trust€and€therefore€had€noÏauthority€to€revoke€it€or€to€receive€the€corpus€of€the€trust.Ìà àCosts€are€assessed€to€the€parties€evenly,€and€the€case€is€remanded€for€allÏnecessary€purposes.ÌÌÓÓœà àà àà àà àà àà àòò€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€óóÌ›à àà àà àà àà àà àWilliam€H.€Inman,€Senior€JudgeÌÌCONCUR:ÌÌÌÌ______________________________ÌW.€Frank€Crawford,€Presiding€JudgeÌÌÌÌ______________________________ÌAlan€E.€Highers,€JudgeÌÌÔ% € ÔÔ% € Ôà à