This is the last will and testament of me Mary Teresa McCarthy of St. John's, Spinster.  I revoke all former Wills by me at any time made and I appoint my niece Catherine Dunphy the Executrix of this my will.  I give and bequeath all the property of whatsoever kind I may die possessed to my said niece and her daughter Marie for their own use absolutely in equal shares between them.  In witness whereof I have hereunto subscribed my hand at St. John's aforesaid this fifth day of February A.D. 1920.     Mary Teresa her X mark McCarthy.
Signed published and declared by the Testatrix as and for her last will and testament in presence of us, both being present at the same time who at her request and in her presence hereunto subscribe our names as witnesses attesting the due execution hereof, the same having been read over and explained to the testatrix who appeared perfectly to understand the same and who signed the same by making her mark in our presence. 
W.J. Higgins.  Mary McGrath.       

Correct William F. Lloyd
Registrar of the Supreme Court of Newfoundland. 
(Listed in the margin next to this will the following)
Fiat May 14/20
Horwood CJ.
Probate granted
to Catherine
Dunphy May 18/20.
Estate sworn
at $3278.64