NEIL J. GILLESPIE, AS CO-TRUSTEE OF THE GILLESPIE FAMILY LIVING TRUST AGREEMENT DATED FEBRUARY 10, 1997 vs REVERSE MORTGAGE SOLUTIONS, INC., FEDERAL NATIONAL MORTGAGE ASSOC., MARK GILLESPIE, INDIVIDUALLY AND AS CO-TRUSTEE OF THE GILLESPIE FAMILY LIVING TRUST AGREEMENT DATED FEBRUARY 10, 1997 ET AL