i am not a financial advisor or attorney, but i think you can easily find yourself getting into trouble by calling the program a "trust fund"... much in the same way you can't call it a "stock certificate", "mutual fund" or any other type of investment or financial instrument without putting yourself at the mercy of a very large and very complicated body of law with extensive legal and licensing requirements.
to your credit... you were probably too busy skimming through MS Paint and HTML tutorials to think about it.
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