The issues presented for review are whether the court erred in allowing the plaintiffs motion for summary judgment and ordering that the funds in the account be made a part of Ms. Pen-dergrass’s estate. G.S. 54B-130 in pertinent part provides:
(a) If any one or more persons holding or opening a with-drawable account shall execute a written agreement with the association, providing for the account to be held in the name of such person or persons as trustee or trustees for one or more persons designated as beneficiaries, the account and any balance thereof shall be held as a trust account, and unless otherwise agreed upon between the trustees and the association:
*345(3) Upon the death of the surviving trustee, the person or persons designated as beneficiaries who are living at the death of the surviving trustee shall be the holder or holders of the account, as joint owners with right of survivorship if more than one, and payment by the association to the holder or any of them shall be a total discharge of the association’s obligation as to the amount paid.
(b) If a person opening or holding a withdrawable account shall execute a written agreement with an association providing that, upon the death of the person named as holder, that the account shall be paid to or held by another designated person or persons, then the account and any balance thereof, shall be held as a payment on death account and unless otherwise agreed between the person executing such agreement and the association:
(1) Upon the death of the holder of such a withdrawable account, the person designated by him and who has survived him shall be the owner of the account, and payment made by the association to any such person shall be a total discharge of the association’s obligation as to the amount paid;
Ms. Pendergrass signed the following document at Macon Savings and Loan Association:
Account No. 8103182-2
(1) Pendergrass, Dess B. Trustee
(2) Southwestern Tech. College Beneficiary
(Last Name) (First Name) (Middle Name)
I hereby apply for a savings account in
Macon Savings & Loan Association
and for the issuance of evidence thereof. A specimen of my signature is shown below and you are hereby authorized to act without further inquiry in accordance with writings bearing such signature. It is agreed that any funds placed in or added to this account by the undersigned, whether in his *346trustee or individual capacity, is and shall be conclusively intended to be a gift and delivery at that time of such funds to the trust estate. You are authorized to supply any endorsement for me on any check or other instrument tendered for this account and you are hereby relieved of any liability in connection with collection of such items which are handled by you without negligence, and you shall not be liable for the acts of your agents, subagents or others for any casualty. Withdrawals may not be made on account of such items until collected, and any amount not collected may be charged back to this account, including expense incurred, and any other outside expense incurred relative to this account may be charged to it.
Signature s / DESS B. PENDERGRASS as Trustee
Address 144 Harrison Ave. Franklin, NC 28734
As Trustee for STC , Beneficiary
as specified in trust agreement on reverse side hereof.
Dated 2-15-83
However, she never executed the agreement on the reverse side which was designed to create the trust. Thus, no trust was created pursuant to the terms of G.S. 54B-130.
Having determined that no trust was created pursuant to the statute there is still the question of whether a trust was created under the common law. “The essentials of a valid express trust are: (1) sufficient words to create it; (2) a definite subject matter; (3) an ascertainable object; and (4) designated beneficiaries.” Williams v. Mullen, 31 N.C. App. 41, 45, 228 S.E. 2d 512, 514 (1976). Elements numbers two, three, and four are established by the front of the signature card which was signed by Ms. Pender-grass.
In deciding if sufficient words were used we are mindful of the words of our Supreme Court when it stated: “The declaration of a trust in personalty is not required to be in writing, and if in writing, it may be contained in letters or other writings. . . . No technical terms need be used. It is sufficient if the language used shows the intention to create a trust, clearly points out the prop*347erty, the disposition to be made of it, and the beneficiary.” Witherington v. Herring, 140 N.C. 495, 497, 53 S.E. 303, 304 (1906).
“Generally, summary judgment is inappropriate when intent or other substantive feelings are material.” Feibus & Co. v. Construction Co., 301 N.C. 294, 306, 271 S.E. 2d 385, 393 (1980), reh’g denied, 301 N.C. 727, 274 S.E. 2d 228 (1981). Where competent evidence is presented which would raise an issue of whether a trust was created by the alleged actions it is the duty of the trial court to submit it to the jury to determine whether the trust is established by clear, strong, convincing and cogent evidence. Taylor v. Wahab, 154 N.C. 219, 70 S.E. 173 (1911); Williams v. Mullen, 31 N.C. App. 41, 228 S.E. 2d 512 (1976). Where, as here, a jury trial has not been requested it is an issue which must be determined by findings of fact and conclusions of law. The evidence before the court raised such an issue of fact; therefore, summary judgment was improper.
Reversed and remanded.
Judges Martin and Parker concur.