said trust fund and all unappropriated income to our children, her 
surviving, in equal shares, and to the descendants of those who 
may be deceased, per stirpes and not per capita, to whom I give 
and bequeath the same, if over the age of thirty years.
 
     In case the beneficiary of any one or more of said shares 
shall not have attained the age of thirty years,at said time, 
then I give and bequeath the share of such beneficiary or 
beneficiaries to my said Trustee, hereafter named, IN TRUST for 
the following uses and purposes:- Each said share shall be 
invested in good securities and kept so invested, and shall be 
held by my said Trustee as a separate trust fund for the respective 
beneficiary thereof, and said Trustee shall collect the interest 
and income from each of said trust funds and accumulate same, 
keeping each fund and the interest thereon separate at all times 
from every other fund, until the beneficiaries of each fund shall
respectively attain the age of twenty one years.      As each of
said beneficiaries respectively attains the age of twenty one 
years all accumulated interest and income on his or her trust 
fund shall be paid over to him or her, and thereafter the interest 
and income from his or her trust fund shall be paid in equal
quarterly installments to him or her until he or she respectively 
attains the age of thirty years, at which time the corpus of his 
or her trust fund and all unappropriated interest and income there 
from shall be paid over and delivered to him or her, provided 
he or she shall not have borrowed or attempted to borrow against 
his or her trust fund.     If any of said beneficiaries shall borrow 
or attempt to borrow against his or her trust fund, then and in 
that event I hereby order and direct that the trust fund of such
beneficiary shall not be paid over to him or her, but such trust 
fund shall continue to be held by my said Trustee IN TRUST for 
such beneficiary during his or her life and he or she shall 
receive from my said Trustee, only the income from such fund 
during his or her life, and at his or her death said fund shall go
 
 
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