Martha's Mother Joan Opened a Trustee Bank Account

Martha's mother Joan opened a trustee bank account.The designation on the bank account reads,"Joan Williams,as trustee for Martha Williams." This indicates that

A) Joan will manage the funds in this account solely for the benefit of her daughter.
B) Martha can presently retrieve funds from the account if she so wishes.
C) Martha has no right to the funds in the account while her mother is alive.
D) Martha has a right to retrieve funds from the account if her mother is mentally incapacitated.