Estate of Rosa B. Neff, Deceased, Chris Hunt, Executor - Page 6

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          discussed with the attorney who drafted the document.  Decedent             
          was capable of signing her name in spite of failing eyesight if             
          directed where to sign.                                                     
               Prior to her injury and hospitalization, decedent informed             
          several individuals that she was considering making a gift of the           
          19 annuities.  Sometime during the summer of 1992, decedent told            
          Betty Aaron, her accountant, that she was considering giving the            
          annuities to the respective annuitants presently rather than                
          after her death.  Decedent also talked to Mr. Murphy about the              
          possibility of giving the annuities to the annuitants.  Prior to            
          meeting with the attorney regarding the drafting of a durable               
          power of attorney, decedent indicated to Chris Hunt that she                
          wanted to give the 19 annuities to the annuitants.                          
               Prior to her last illness, decedent cashed in two Delta Life           
          annuities whose contingent owners had died.  These annuities are            
          not included in the 19 in issue.  At the time that decedent                 
          cashed in the two annuities, she told Mr. Murphy that she                   
          intended to pay the taxes resulting from the transaction and give           
          a portion of the proceeds of the annuities, in the amount of the            
          principal or face amount of $10,000 each, to the heirs of the               
          deceased annuitants/contingent owners.                                      











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