Thank you again for the information you posted.
I found the dod of Mrs Garner

Mrs. Ben Garner
Death
17 Jun 1909
Maxville, Glengarry, Ontario
Female

on familysearch.org but it does not give me much information. Any chance there might be an obituary? I am wondering if her surviving brothers would be named.

On the 1911 census, little Mildred Frances Kennedy, born in 1903 is living in Metcalfe, Ontario with her uncle and aunt: John Harvey Haines and his wife Catherine nee Kennedy.
I think there is a Museum in Osgoode twp, so I will follow up there.
Is there a Historical society in Maxville that might have pictures of Frances Garner or her children? I am trying to match some pictures with others. Her nephew was a photographer in Toronto.