Estate of William G. Street, Deceased, Anne Street Skipper, Executrix - Page 3

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                                  FINDINGS OF FACT                                    
               William G. Street (decedent) was married and resided all his           
          married life in Texas.  Decedent died September 30, 1990; his               
          will was probated, and his estate has been administered in the              
          State courts of Texas.  Decedent was survived by his wife, Amma             
          Elnora Street.  Decedent and Mrs. Street each had children by               
          prior marriages.  In admitting decedent's will to probate, the              
          appropriate Texas court, the County Court of Young County, Texas,           
          appointed both decedent's surviving spouse and decedent's                   
          daughter, Anne Street Skipper, as independent coadministratrices            
          of decedent's estate.                                                       
               During his lifetime and during the marriage, decedent                  
          purchased, as insured and sole owner, four policies of life                 
          insurance on his life, one with U.S. Life Insurance Co. in the              
          face amount of $300,000, another with U.S. Life Insurance Co. in            
          the face amount of $113,900, a policy with American General Life            
          Insurance Co. in the face amount of $600,000, and a policy with             
          Southwestern Life Insurance Co. in the face amount of $250,544.             
          Pursuant to later designations by decedent, making his estate the           
          beneficiary of said policies, the net proceeds of $1,347,882                
          (after adjusting for outstanding debt and additional insurance)             
          were paid to decedent's estate.                                             
               On June 3, 1991, after probate and during the course of                
          administration, Mrs. Street filed a claim, amended on July 12,              






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