One other point to your question Jack, the larger question implied is whether the bank is requesting or accepting copies of trust instruments contrary to the explicit provisions of the Probate Code? While some practitioners believe it is prudent to request those "excerpts" the code allows a third party to request I have found few probate practitioners who give much thought to things such as "page breaks" which means, in practical terms, asking for excerpts which you have no need for can easily result in a bank being made aware of dispositive provisions of a trust or, worse, limits on a trustee's powers which could render your trust certificate meaningless. One example is the frequent habit of asking a "trust" to execute a guaranty in support of a loan to a business owned by family members such as an LLC. Presuming the trust is revocable this request would be reasonable under the 2nd District's holding in Arluk HOWEVER, since the LLC is a 3rd party to the trust and the unlikely event the drafter contemplated the trust might be used to support a 3rd party's debt it is probable the trustee does NOT have the power to "agree to answer for the debt" of the LLC. Since such a power is not held by the trustee as a matter of law it must be expressly set forth in the trust instrument and your "excerpts" have now become your enemy.