to his or her children, and in default of children, to my
children and to the decendants of those who may be
deceased, per stirpes and not per capita.
 
Fourth:-  In every case wherein a benificiary of a trust
fund created in the foregoing paragraph, who may be under
the age of twenty one years, shall need any portion of the
income from his or her fund for his or her proper
maintenance, education or support, I direct my said Trustee
to use and apply such protion of such income for the proper
maintenance, education or support of such beneficiary, as
may be necessary for such purpose, until he or she attains
the age of twenty one years.
 
Fifth:-   All the rest, residue and remainder of my property
and estate, real and personal, and of every name and kind,
I give devise and bequeath unto my wife ANNA ELEANOR
ROOSEVELT absolutely and forever.
 
Lastly:-  I hereby nominate, constitute and appoint the Bank
of New York and Trust Company and John M.Hackettt,
Executors of this my lasw Will and Testament, and I hereby
nominate, constitute and appoint the Bank of New York and
Trust Company, Trustee of Wills by me made. I hereby
authorize and empower my said Executors to sell any of my
real estate, provided my said wife shall consent thereto,
and to execute,acknowledge and deliver the purchaser or
purchasers thereof all proper deeds of conveyance thereof.
 
     IN WITNESS WHEREOF I have hereunto subscribed my name
and  affixed my seal this day of February in the year 1923.
 
-Witnesses-
 
                               _____________________(L.S.)