The mоm оf а 6-yeаr-оld is wаnting to start a trust fund for when baby Tobias starts college. She wants to make sure that the child’s tuition and expenses for 4-year college are paid. However, she gives terms and conditions to the bank stating that the money will only be use for college expenses or ultimate emergency. Baby Tobias can not open the account until he turns 18 years old. If the mom is considered the trustor, what is the bank and the child considered?