On September 7, 1949, Mrs. Martha Josephine Eldridge duly executed her last will and testament, the pertinent provisions of which are as follows:
"Item I. To my niece Emma Clair Lowy I leave my personal property and real estate as it stands in Enterprise, Clarke County, Miss.
"Item II. My money in First National Bank in Meridian, is to be used for a monument on my grave and to pay all outstanding...
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