      
         THIS IS THE LAST WILL AND TESTAMENT of me, 
BLANK    _____________________________ .
         
         1.     I HEREBY REVOKE all wills and testamentary 
         dispositions of every nature and kind whatsoever by me 
         heretobefore made.

         2.     I NOMINATE, CONSTITUTE, AND APPOINT, my husband, 
BLANK    ________________________________ ,
         to be the sole Executor and Trustee of this my Will. 
         If he is unable or unwilling to act, I THEN NOMINATE, 
         CONSTITUTE AND APPOINT 
BLANK    _________________________________
         to be the sole Executor and Trustee of this my Will.

         3.     I GIVE, DEVISE, AND BEQUEST all my property of 
         every nature and kind and wheresoever situate, including 
         any property over which I may have a general power of 
         appointment to my said Trustee upon the following 
         trusts, namely:
                a)      To use his or her discretion in the 
         realization of my estate, with power to my Trustee to 
         sell, call in and convert into money any part of my 
         estate not consisting of money at such time or times in 
         such manner and upon such terms, and either for cash or 
         credit or for part cash and part credit as my said 
         Trustee in his or her absolute discretion may decide 
         upon, or to postpone such conversion of my estate or any 
         part or parts thereof for such length of time as he or 
         she may think best, and I hereby declare that my trustee 
         shall have a separate and substantive power to retain 
         any of my investments or assets in the form existing at 
         the date of my death at his or her absolute discretion 
         without responsibility for loss to the intent that 
         investments or assets so retained shall be deemed to be 
         authorized investments for all purposes of this my Will.
                b)      To use his or her discretion in making 
         elections with power to make all such elections as he or 
         she shall deem in his or her absolute discretion to be 
         in the best interests of my estate as a whole, and 
         specifically, and elections as may be necessary under 
         The Income Tax Act and the provisions thereof from time 
         to time in force.
                c)      To make any division of my estate or set 
         aside or pay any share or interest therein, either 
         wholly or in part, in the assets forming my estate at 
         the time of my death or at the time of such division, 
         setting aside or payment, and I declare that my trustees 
         shall, in their absolute discretion, fix the value of my 
         estate or any part thereof for the purpose of making any 
         such division. setting aside or payment, and their 
         decision shall be final and binding upon all persons 
         concerned. In fixing the value of the assets of my 
         estate, I direct my Trustee to keep an even hand and I 
         direct them to take into account not only fair market 
         value of capital property but also its adjusted cost 
         base.
                d)      To make a distribution of assets 
         according to the items of this my Will if, in their 
         opinion, there is no further liability for any taxes 
         even though they have not obtained a clearance. My 
         Trustees may, if they consider it advisable, make any 
         such distribution, and as a condition for so doing shall 
         have the right to ask for and receive signed 
         indemnification from the beneficiaries to whom any such 
         distributions are made.
                e)      To pay my just debts, funeral, and 
         testamentary expenses, and all estate, legacy, 
         succession and inheritance taxes and duties (if any), 
         whether imposed by or pursuant to the law of any 
         domestic or foreign jurisdiction whatsoever, that may be 
         payable in connection with the property passing (or 
         deemed to pass by any governing law) on my death or in 
         connection with any insurance on my life or in 
         connection with any gift or benefit given or provided by 
         me either in my lifetime or by the survivorship or by 
         this my Will or any Codicil thereto, and whether such 
         taxes and duties payable in respect of estates or 
         interests which fall into possession at my death or any 
         subsequent time; and I hereby authorize my Trustees to 
         commute or repay any such taxes or duties.
BLANK           f)      To pay or transfer the sum of ___________
BLANK   to _______________________ , for their own use absolutely.
BLANK           g)      To transfer _____________________________
BLANK   to _______________________ , for their own use absolutely.
                h)      To pay or transfer the residue of my 
         estate to my beloved husband, for his own use 
         absolutely.
                i)      provided that if my husband should die 
         before myself, to give my husband's share, in equal 
         portions, to my children, alive at the time of my 
         death, for their own use absolutely.
                j)      provided that if my husband and all my 
         children should die before myself, to give that share in 
         equal portions to the children of my children, for 
         their own use absolutely.
                k)      provided that if my husband and all my 
         children and all my children's children should die 
         before myself, to give that share in equal portions to 
         my sisters and brothers alive at the time of my death, 
         for their own use absolutely.

         4.     I DECLARE that in this my will the term 'trustee' 
         or 'trustees' and all references thereto shall (where 
         the context so permits) mean and include the Executor, 
         the Executrix, the Executors, the Trustee, the Trustees 
         for the time being hereof, whether original, additional, 
         or substitutional, and shall be construed accordingly.

         5.     If any of my children should become entitled to 
         any share in this my Estate before attaining the age of 
         18 years, the share of such person shall be held and 
         kept invested by my Trustee and the income and capital 
         or so much thereof as my trustee in his or her absolute 
         (but reasonable) discretion shall deem advisable, shall 
         be used for the benefit and education of such children 
         until he or she reaches the age of majority, when the 
         remaining balance of his or her portion remaining shall 
         be paid to that person for his or her own use absolutely.
         
         6.     If any person, other than my own children, shall
         become entitled to any share in this my Estate before 
         attaining the age of majority, the share of such person 
         shall be paid to the parents, or parents, or trustee, or 
         guardian (as the case may be) of that person, in trust 
         for that minor; and the receipt signed by that parent, 
         or parent(s), or trustee, or guardian (as the case may 
         be) shall be sufficient to discharge my trustee of his 
         or her obligations under this my will.
        
         7.     It is my wish and instructions that my husband be 
         the guardian of my children; however, if my husband 
         should die before me, I hereby nominate, constitute, and 
         appoint as the guardian of my children,
BLANK    ______________________________ .
                  
                               
         IN TESTIMONY WHEREOF I have to this my Last Will and 
BLANK    Testament written upon this and the preceding pages of 
BLANK    paper, subscribed my name this _________  day of 
         _______________________ , A.D. 19 _____ .
      
                  
         SIGNED, PUBLISHED, AND )
         DECLARED by the said   )
         Testator as and for    )
         the Testator's Last    )
         Will & Testament, in   )
         the presence of us,    )
         both present at the    )
         same time, who, at the )
         Testator's request,    )
         in the Testator's      )
         presence and in the    )
         presence and in the    )
         presence of each       )
         other, have hereunto   )
         subscribed our names   )
         as witnesses.          ) ______________________________



         __________________________    __________________________
         witness                       witness   

