ARTICLE IV
PAYMENT OF DEBTS, TAXES, AND EXPENSES
I direct my Executor to pay from my estate passing under Article III, without
adjustment among the beneficiaries thereof, all inheritance, estate, and other death taxes,
federal or state, of every kind, together with all interest and penalties thereon, if any
("death taxes"), all of my lawful debts, expenses of my funeral and last illness, and all
other obligations of my estate, including but not limited to debts and expenses of
administration that may, by reason of my death, be attributable to my probate estate,
whether domiciliary or ancillary, or any portion thereof, or to any property or transfers
of property outside of my probate estate, whether by right of survivorship, settlement of
insurance policies or otherwise; provided that proceeds payable under an otherwise
federal estate tax exempt pension, profit-sharing or any other kind of retirement plan
shall in no event be used for the payment of any death taxes or any other obligations of
my estate, including but not limited to debts and expenses.
ARTICLE V
DISTRIBUTION IF NO SURVIVORS
If none of my beneficiaries survive me, and no other disposition is directed by
this Will, then the residue of my estate, or the portion for which no other disposition is
directed, shall be distributed to my heirs at law, such heirs to be determined according to
the applicable laws of my state of residence in effect at the time of my death relating to
the intestate succession of separate property not acquired from a predeceased spouse.