HAY (Ballater/Fraserburg h) Peacefully, in Craigard Care Home, on Wednesday, September 23, 2009, Elsie Hay (nee Mutch). Beloved wife of the late James Hay (Bank Manager, Ballater), a dear aunt to Jimmy and Leslie. Thanksgiving service will be held in Glenmuick Parish Church, Ballater, on Friday, October 2, 2009, at 11 a.m., followed by committal in Aberdeen Crematorium, East Chapel, at 1.20 p.m., to which all friends are respectfully invited. Family flowers only please.

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