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L ast Will and T estament of

______________________

KNOW ALL PERSONS BY THESE PRESENTS

That, I, ______________________________ of _____________________________________, County of

________________________, State of ________________, being of sound and disposing mind and

memory, and not acting under duress, menace, fraud or the undue influence of any person whomsoever,

do make, publish and declare this my Last Will and Testament.

Article I

I hereby declare that my family consists of:

Article II.

I hereby direct and order that all just debts for which proper claims are filed against my estate, and the

expenses of my last illness and funeral, be paid by my executor as soon after my death is practicable,

provided, however, that this direction shall not authorize any creditors to require payment of any debt or

obligation prior to its normal maturity in due course.

Article III.

I direct that all estate expenses, inheritance, and other taxes and interest or penalties thereon imposed by

reason of my death, whether or not attributable to property passing under this Will and whether or not the

same would otherwise be payable by my estate or by a recipient of any such property, to be paid and

discharged by my personal representative out of the residue of my estate with no right of reimbursement

for the Recipients named in the residuary clause of the Will.

Article IV.

I give, devise and bequeath unto:

______

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