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FRANCES M. BALLARD (Nee Zura); Age 91, Beloved wife of the late Ralph Sr.; Loving mother of Wendy Hjort (Michael); Dearest grandmother of  Brock Simon (Laura), Brent Simon (Mindy) and Brittany Adams (Mark); Dear great-grandmother of Adelyn, Ayla, Brex, and Grant. Friends may call at the FERFOLIA FUNERAL HOME 356 W AURORA RD (ST RT 82) SAGAMORE HILLS FOR VISITATION WEDNESDAY 3-5 and 7-9PM. FuneralThursday 9:30AM at the funeral home. Mass of Christian burial to celebrate Frances’s life 10:30 AM at St. Rita Catholic Church. Interment All Saints Cemetery.