DRAFT FOR ATTORNEY REVIEW · GONZALEZ LEGACY TRUST · v7.2 ·

GONZALEZ LEGACY TRUST

FLORIDA DYNASTY TRUST AGREEMENT

A Dynasty Trust Established Under the Laws of the State of Florida

PREAMBLE

THIS TRUST AGREEMENT (hereinafter "Agreement") is entered into on this ___ day of ____________, 2026, by and between ANTONIO GONZALEZ (hereinafter "Settlor" or "Founder"), a resident of the State of Florida, and WALESKA ECHEVARRIA (hereinafter "Co-Trustee"), also a resident of the State of Florida.

The Settlor hereby transfers to the Trustee, and the Trustee hereby accepts, the property described in Schedule A attached hereto, to be held, administered, and distributed in accordance with the terms and conditions set forth in this Agreement.

This Trust is established for the benefit of the Settlor's descendants and shall be known as the GONZALEZ LEGACY TRUST, operating under the conceptual framework denominated "Family Launch System" (Motor 2), version 7.1.

ARTICLE I — TRUST IDENTITY AND PURPOSE

Section 1.1 — Name and Governing Law

This Trust shall be known as the GONZALEZ LEGACY TRUST (hereinafter "Trust"). This Trust is established pursuant to the laws of the State of Florida, including but not limited to the Florida Trust Code (Chapter 736, Florida Statutes), and shall be governed, construed, and administered in accordance with the laws of the State of Florida.

Section 1.2 — Dynasty Trust Provisions

This Trust is intended to qualify as a Dynasty Trust under Florida law. Pursuant to Section 689.225, Florida Statutes (the "Uniform Statutory Rule Against Perpetuities"), the interests created by this Trust shall vest, if at all, within the period specified by applicable Florida law, as amended from time to time. The Trustee is authorized to take all actions necessary to ensure compliance with applicable perpetuities laws.

Section 1.3 — Purpose

The purpose of this Trust is to: (a) provide for the long-term financial welfare and personal development of the Settlor's descendants; (b) incentivize meritorious conduct, personal responsibility, and financial literacy among beneficiaries through the Trust Readiness Score (TRS) framework; (c) preserve and grow family wealth across generations; and (d) establish a governance system that ensures equitable, merit-based distribution of Trust assets.

ARTICLE II — TRUST PARTIES

Section 2.1 — Settlor

The Settlor of this Trust is ANTONIO GONZALEZ, hereinafter referred to as "Settlor" or "Founder." The Settlor shall retain the right to monitor all Trust activities in a read-only capacity and shall retain override authority as described in Article IX of this Agreement.

Section 2.2 — Primary Trustee

The initial and Primary Trustee of this Trust is JOSÉ A. GONZÁLEZ (hereinafter "Primary Trustee" or "Founder"), a resident of the State of Florida. The Primary Trustee shall serve in a fiduciary capacity and shall have full authority to manage, invest, and distribute Trust assets. The Primary Trustee holds exclusive signature authority for all banking, investment, and external financial institutions. All fiduciary decisions ultimately rest with the Primary Trustee.

Section 2.3 — Co-Trustee

WALESKA ECHEVARRIA shall serve as Co-Trustee, subordinate to the Primary Trustee. The Co-Trustee may act only upon explicit delegation by the Primary Trustee or during periods of unavailability or incapacity of the Primary Trustee. The Co-Trustee does not hold independent signature authority for banking or investment accounts unless specifically delegated in writing by the Primary Trustee.

Section 2.4 — Protector

A Trust Protector may be appointed by the Settlor at any time to serve in an advisory and oversight capacity. The Protector shall have the authority to: (a) veto Committee decisions; (b) extend Humanitarian Freeze periods pursuant to Article VII; (c) review and approve Sunset Review amendments pursuant to Article X; and (d) appoint a successor Trustee if necessary.

Section 2.5 — Advisory Committee

An Advisory Committee shall be established consisting of three (3) members: (a) the Trustee or Co-Trustee; (b) an independent professional (attorney, CPA, or financial advisor); and (c) a rotating beneficiary representative. Committee approval shall be required for distributions under the First Home, Micro-Angel Fund, and Matching Program categories, as specified in Article VI. All Committee decisions shall require a two-of-three (2/3) majority vote.

Section 2.6 — Beneficiaries

The initial beneficiaries of this Trust are the following descendants of the Settlor:

(a) MARA GONZALEZ; (b) PAOLA GONZALEZ; (c) ANDREA GONZALEZ; (d) JAY GONZALEZ; (e) ALEYRA GONZALEZ.

Future descendants of the Settlor shall be eligible for inclusion as beneficiaries upon reaching the age of eighteen (18) years, subject to the Trust Readiness Score framework set forth in Article III.

ARTICLE III — TRUST READINESS SCORE (TRS) FRAMEWORK

Section 3.1 — Definition and Scale

The Trust Readiness Score (hereinafter "TRS") is a merit-based scoring system operating on a scale of zero (0) to two hundred (200) points. The TRS serves as the primary criterion for determining each beneficiary's eligibility to access Trust benefits. The TRS shall not constitute a property interest and shall not be transferable, assignable, or subject to creditor claims.

Section 3.2 — Initial Score

Each beneficiary shall receive an initial TRS of fifty (50) points upon first enrollment in the Trust system. Future descendants shall receive an initial TRS equal to fifty percent (50%) of their parent beneficiary's TRS at the time of the descendant's eighteenth (18th) birthday, subject to a minimum of twenty-five (25) points and a maximum of one hundred (100) points.

Section 3.3 — TRS Levels and Associated Benefits

The TRS shall determine each beneficiary's access level as follows:

(a) INACTIVE Level (0–39 points): Beneficiary is eligible for Medical Emergency distributions only;

(b) ACTIVE Level (40–69 points): Beneficiary is eligible for Education and Family Experience distributions;

(c) COMMITTED Level (70–99 points): Beneficiary is eligible for all benefits including Micro-Angel Fund;

(d) LEADER Level (100–149 points): Beneficiary holds double voting weight in the Advisory Committee rotation;

(e) CUSTODIAN Level (150–200 points): Beneficiary is eligible for Track C — Multiplier designation and maximum benefit access.

Section 3.4 — Annual Decay

On January 1st of each calendar year, each beneficiary's TRS shall be reduced by twelve percent (12%) of their then-current score, rounded down to the nearest whole number (hereinafter "Annual Decay"). The Annual Decay reflects the Trust's expectation of continued engagement and contribution. Beneficiaries subject to an active Humanitarian Freeze pursuant to Article VII shall be exempt from Annual Decay during the Freeze period.

Section 3.5 — TRS Modification

The Trustee and Co-Trustee shall have authority to adjust a beneficiary's TRS pursuant to verified milestone completion, as set forth in Article IV, or for cause as specified in Article VIII. All TRS modifications shall be recorded in the Trust's digital governance system and shall constitute part of the Trust's permanent records.

ARTICLE IV — TRACKS AND MILESTONES

Section 4.1 — Track System

Each beneficiary shall select one of three (3) designated developmental Tracks:

(a) Track A — Entrepreneur: Designed for beneficiaries pursuing business ownership, entrepreneurship, or self-employment. Special benefit: priority access to Micro-Angel Fund.

(b) Track B — Builder: Designed for beneficiaries pursuing professional careers, skilled trades, or academic advancement. Special benefit: enhanced Education Fund matching.

(c) Track C — Multiplier: Available only to beneficiaries at CUSTODIAN level (150+ TRS). Designed for beneficiaries managing or investing existing wealth. Special benefit: access to Trust investment co-participation.

Section 4.2 — Milestone Verification

Each Track shall include defined milestones with associated TRS rewards ranging from ten (10) to twenty-five (25) points per milestone. Milestones shall be verified by the Trustee upon submission of documented evidence by the beneficiary. Verified milestones shall result in immediate TRS credit. The Trustee shall issue a decision on submitted milestones within thirty (30) days of submission.

Section 4.3 — Track Changes

A beneficiary may request a Track change only during the Sunset Review period conducted every five (5) years pursuant to Article X. Track changes shall be subject to Trustee approval and shall not result in retroactive adjustment of previously earned TRS.

ARTICLE V — TRUST ASSETS AND FUND STRUCTURE

Section 5.1 — Initial Corpus

The initial Trust corpus shall consist of the property described in Schedule A. Additional contributions may be made to the Trust by the Settlor, Trustee, or any third party at any time, subject to applicable gift tax regulations.

Section 5.2 — Designated Funds

The Trust corpus shall be maintained in the following designated funds:

(a) Education Fund — initial balance $10,000; (b) First Home Fund — initial balance $20,000; (c) Micro-Angel Fund — initial balance $15,000; (d) Medical Emergency Fund — initial balance $5,000; (e) Family Experience Fund — initial balance $3,000; (f) Matching Program Fund — initial balance $20,000; (g) General Fund — initial balance $10,000.

Total initial corpus: Eighty-Three Thousand Dollars ($83,000).

Section 5.3 — Family Bank

The Trust shall maintain a Family Bank sub-account for the purpose of making interest-bearing loans to beneficiaries. All Family Bank loans shall bear interest at a rate of three and two-tenths percent (3.2%) per annum. Loan repayments shall be returned to the applicable designated fund. The Family Bank shall maintain complete records of all loans, payments, and outstanding balances.

ARTICLE VI — DISTRIBUTIONS

Section 6.1 — Distribution Philosophy

The Trust shall never make distributions directly to a beneficiary's personal bank account. All distributions shall be made directly to the provider, institution, vendor, or closing agent on behalf of the beneficiary (hereinafter "Provider"). This restriction is absolute and shall constitute an Immutable Rule pursuant to Article XI.

Section 6.2 — Distribution Categories

(a) Education Distributions: Available to beneficiaries with minimum TRS of thirty (30). Payable directly to educational institutions, certification programs, or licensed training providers. Subject to Trustee approval within forty-eight (48) hours.

(b) First Home Distributions: Available to beneficiaries with minimum TRS of sixty (60). Payable directly to closing agent or title company for down payment purposes. Subject to Committee approval within fifteen (15) days.

(c) Micro-Angel Fund Distributions: Available to beneficiaries with minimum TRS of seventy (70). Structured as fifty percent (50%) loan and fifty percent (50%) Trust equity participation. Subject to Committee and Protector approval within thirty (30) days. Loan repayable over term agreed upon by Trustee. Trust equity subject to five-year buyback option at fair market value.

(d) Medical Emergency Distributions: Available to all beneficiaries regardless of TRS score. Payable directly to licensed medical providers or facilities. Subject to emergency Trustee approval within twenty-four (24) hours.

(e) Family Experience Distributions: Available to beneficiaries with minimum TRS of forty (40). Payable for family property-related expenses or approved family activities. Subject to Trustee approval within forty-eight (48) hours.

(f) Matching Program Distributions: Available to beneficiaries with minimum TRS of seventy (70). Trust shall match beneficiary's documented personal investment on a one-to-one (1:1) basis up to Ten Thousand Dollars ($10,000), and on a one-half-to-one (0.5:1) basis from Ten Thousand Dollars ($10,000) to Twenty Thousand Dollars ($20,000). Lifetime maximum match: Twenty Thousand Dollars ($20,000) per beneficiary. Subject to Committee approval within seven (7) days.

Section 6.3 — Partial Distributions

The Trustee or Co-Trustee may approve a distribution in an amount less than that requested by a beneficiary (hereinafter "Partial Distribution"). Any Partial Distribution shall be accompanied by a written explanation stating the reason for the reduction. The remaining unreimbursed amount may be re-requested by the beneficiary in a subsequent distribution request.

Section 6.4 — Distribution Records

The Trustee shall maintain complete records of all distributions, including the amount requested, amount approved, Provider paid, date of payment, and applicable TRS at time of request. All records shall be maintained in the Trust's digital governance system.

ARTICLE VII — HUMANITARIAN FREEZE

Section 7.1 — Eligibility

A beneficiary experiencing a documented genuine hardship, including but not limited to serious illness, accident resulting in incapacity, involuntary job loss, or natural disaster, may petition the Trustee for a Humanitarian Freeze.

Section 7.2 — Effect of Freeze

Upon approval by the Trustee, a Humanitarian Freeze shall: (a) suspend the Annual Decay of the beneficiary's TRS for the duration of the Freeze; (b) maintain the beneficiary's existing TRS level and benefit eligibility; and (c) be noted in the Trust records.

Section 7.3 — Duration

An initial Humanitarian Freeze shall be granted for a period not to exceed eighteen (18) months. The Protector may extend the Freeze for an additional period not to exceed twelve (12) months upon petition by the affected beneficiary and demonstration of continued hardship.

ARTICLE VIII — SUSPENSION AND NO-CONTEST

Section 8.1 — No-Contest Clause

Any beneficiary who directly or indirectly contests, challenges, or seeks to invalidate any provision of this Trust Agreement, or who assists any other person in doing so, shall immediately and automatically forfeit all rights to Trust distributions and shall have their TRS reduced to zero (0). Such forfeiture shall be permanent unless reinstated by unanimous vote of the Trustee, Co-Trustee, and Protector following a minimum suspension period of five (5) years.

Section 8.2 — Suspension for Cause

The Trustee and Co-Trustee, acting jointly, may suspend a beneficiary's distribution rights for a defined period upon finding of: (a) material misrepresentation in a distribution request; (b) failure to repay a Family Bank loan pursuant to the agreed schedule; or (c) conduct that materially endangers other Trust beneficiaries. Any suspension shall be documented and the beneficiary shall be provided written notice stating the grounds and duration of suspension.

ARTICLE IX — FOUNDER OVERRIDE AUTHORITY

Section 9.1 — Primary Trustee Override

The Founder, who is also the Primary Trustee, retains final override authority over all fiduciary decisions, including those made by or proposed by the Co-Trustee. No decision of the Co-Trustee shall be binding if the Primary Trustee has issued a contrary written instruction.

Section 9.2 — Scope of Override

The override authority of the Primary Trustee extends to all Trust operations including but not limited to: asset management, distribution decisions, investment strategy, banking operations, beneficiary determinations, and administrative matters.

Section 9.3 — Signature Authority

For all banking, brokerage, investment, and custodial accounts, the Primary Trustee shall have exclusive signature authority. A single signature of the Primary Trustee is sufficient to bind the Trust in all financial transactions. Co-Trustee signature shall not be required for any transaction unless explicitly delegated in writing by the Primary Trustee.

ARTICLE X — SUNSET REVIEW

Section 10.1 — Five-Year Review

Every five (5) years from the date of this Agreement, the Trustee, Co-Trustee, Protector, and beneficiary representatives shall convene a Sunset Review to evaluate the operational effectiveness of the Trust. The Sunset Review may result in amendments to operational provisions of this Agreement, including but not limited to: TRS scoring thresholds, distribution amounts, Fund allocations, and Track milestone definitions.

Section 10.2 — Limitations on Amendment

No Sunset Review amendment shall modify: (a) the Five Immutable Rules set forth in Article XI; (b) the TRS decay rate or TRS scale; (c) the No-Contest provision of Article VIII; (d) the Founder Override Authority of Article IX; or (e) the Dynasty Trust duration provisions. Any purported amendment to the foregoing provisions shall be null and void.

ARTICLE XI — FIVE IMMUTABLE RULES

The following five (5) rules are irrevocable and shall not be amended, modified, or superseded by any provision of this Agreement, any amendment thereto, any court order, or any action of the Trustee, Co-Trustee, Protector, or Committee:

Rule 1 — Merit Before Blood: Access to Trust benefits is governed by the Trust Readiness Score. Family lineage alone shall never entitle any beneficiary to Trust distributions absent the required TRS threshold.

Rule 2 — Never Cash, Always Provider: The Trust shall never deposit funds directly into any beneficiary's personal bank account. All distributions shall be made directly to the approved Provider on behalf of the beneficiary.

Rule 3 — No-Contest Equals Suspension: Any legal challenge to this Trust Agreement shall result in the immediate and automatic suspension of the challenging beneficiary's distribution rights and reduction of their TRS to zero, pursuant to Article VIII.

Rule 4 — Protect Those Who Suffer: The Humanitarian Freeze mechanism exists to protect beneficiaries experiencing genuine documented hardship. It shall not be used to circumvent the TRS system or to reward disengagement from Trust expectations.

Rule 5 — Review Every Five Years, Never Replace: The Sunset Review exists to improve the Trust's operational effectiveness. It shall never be used to replace the fundamental framework, eliminate the TRS system, or modify the Immutable Rules.

ARTICLE XII — SUCCESSOR TRUSTEE

In the event that the Trustee is unable or unwilling to serve, the Co-Trustee shall assume full Trustee authority until a successor Trustee is appointed. A successor Trustee shall be appointed by the Protector, subject to approval by the Settlor if living, within sixty (60) days. A successor Trustee shall have all the rights, powers, and duties of the original Trustee.

ARTICLE XIII — TRUST TERMINATION

This Trust shall terminate upon the earliest of: (a) the date on which no living beneficiary or potential beneficiary exists; (b) the maximum period permitted under applicable Florida perpetuities law; or (c) unanimous agreement of all living beneficiaries and the Trustee to terminate, subject to applicable tax and legal requirements. Upon termination, Trust assets shall be distributed to then-living beneficiaries in proportion to their TRS scores at the time of termination.

ARTICLE XIV — IMPACT FUND

Section 14.1 — Establishment and Purpose

The González Legacy Trust hereby establishes the GLT Impact Fund, a permanently segregated and restricted division of the Trust dedicated exclusively to charitable, religious, scientific, or educational purposes consistent with the values and mission of the Founder. Assets held within the Impact Fund are strictly non-operational and shall never be used for beneficiary distributions, internal loans, subsidies, or any operational activities of the Trust.

Section 14.2 — Mandatory Funding Allocation

A mandatory allocation of ten percent (10%) shall be deducted from all net settled revenue or capital expressly designated by the Primary Trustee as an Impact Entry. This allocation requirement is irrevocable, non-waivable, and binding upon all Co-Trustees, Beneficiaries, and Successor Trustees. Internal transfers, inter-entity rebalancing, and repayments within Trust-controlled entities are expressly excluded from this mandate.

Section 14.3 — Irrevocable Religious Designation

Of all amounts contributed to the Impact Fund, a minimum of ten percent (10%) shall be permanently and irrevocably designated to support the Seventh-day Adventist Church (Iglesia Adventista del Séptimo Día), including its authorized regional conferences and organizational extensions.

This designation is absolute, cannot be altered or revoked, survives the death or incapacity of the Founder, and binds all Successor Trustees in perpetuity. The remaining ninety percent (90%) of the Impact Fund may be distributed at the sole discretion of the Primary Trustee to external causes or to nonprofit entities established or controlled by the Trust.

Section 14.4 — Ledger Integrity and Recordkeeping

All Impact Fund activity shall be documented in a permanent, continuous, and non-editable ledger of record maintained by the Trustee or the Trust's designated administrative system. Each entry shall record the amount contributed, the religious allocation, the social impact allocation, the source of the contribution, and the date and time of the entry. Once recorded, no entry may be amended, removed, or altered.

Section 14.5 — Strict Segregation and Anti-Commingling

The Impact Fund shall remain strictly segregated from all operational, investment, business, and administrative accounts of the Trust and its subsidiaries. Under no circumstance may the Impact Fund be used as collateral, merged with operational cash pools, or loaned to any Beneficiary or Trust-controlled entity.

Section 14.6 — Trustee Oversight

The Primary Trustee shall possess exclusive authority to administer the Impact Fund and ensure compliance with this Article. The technical methods used to implement these requirements shall be governed by the GLT Operating Manual and its Technical Appendices, which may evolve without altering the legal protections established herein.