EFTA00082247.txt

"10,000 shares of common stock of Laurel, Inc... which holds legal title to the same [referring to 358 El Brillo Way]"

"the balance of the Trust Estate... shall be distributed as follows: One Hundred percent (100%) thereof to... EVA ANDERSSON DUBIN, if she survives me"

"This trust agreement and the trust created by it shall in all respects and for all purposes be governed and regulated by the laws of the Territory of "

"my Trustee determines any claims in favor of or against such trust"

"for the benefit of any of the Beneficiaries who arc entitled or permitted to receive income from such trust"

"My interest consists of 10,000 shares of common stock of Laurel, Inc., a United States Virgin Islands corporation, which holds legal title to the same"

"Each Trustee acting hereunder shall be entitled to annual compensation for services performed hereunder in the amount of Two Hundred Fifty Thousand Do"

"my Trustee determines any claims in favor of or against such trust"