safe-deposit box may be located shall not incur any liability to me or my estate as a
result of permitting my attorney-in-fact to exercise this power.
_________ LENDING OR BORROWING - To make loans in my name; to borrow
money in my name, individually or jointly with others; to give promissory notes or other
obligations therefor; and to deposit or mortgage as collateral or for security for the
payment thereof any or all of my securities, real estate, personal property, or other
property of whatever nature and wherever situated, held by me personally or in trust for
________ GOVERNMENT BENEFITS - To apply for and receive any government
benefits for which I may be eligible or become eligible, including but not limited to,
Social Security, Medicare and Medicaid.
________ RETIREMENT PLAN - To contribute to, select payment option of, roll-over,
and receive benefits of any retirement plan or IRA I may own, except my attorney-in-fact
shall not have power to change the beneficiary of any of my retirement plans or IRAs.
________ TAXES - To complete and sign any local, state and federal tax returns on my
behalf, pay any taxes and assessments due and receive credits and refunds owed to
me and to sign any tax agency documents necessary to effectuate these powers.
________ INSURANCE - To purchase, pay premiums and make claims on life, health,
automobile and homeowners' insurance on my behalf, except my attorney-in-fact shall
not have the power to cash in or change the beneficiary of any life insurance policy.
________ REAL ESTATE - To acquire, purchase, exchange, lease, grant options to
sell, and sell and convey real property, or any interests therein, on such terms and
conditions, including credit arrangements, as my attorney-in-fact shall deem proper; to
execute, acknowledge and deliver, under seal or otherwise, any and all assignments,
transfers, deeds, papers, documents or instruments which my attorney-in-fact shall
deem necessary in connection therewith.
________ PERSONAL PROPERTY - To acquire, purchase, exchange, lease, grant
options to sell, and sell and convey personal property, or any interests therein, on such
terms and conditions, including credit arrangements, as my attorney-in-fact shall deem
proper; to execute, acknowledge and deliver, under seal or otherwise, any and all
assignments, transfers, titles, papers, documents or instruments which my attorney-in-
fact shall deem necessary in connection therewith; to purchase, sell or otherwise
dispose of, assign, transfer and convey shares of stock, bonds, securities and other
personal property now or hereafter belonging to me, whether standing in my name or
otherwise, and wherever situated.
_________ POWER TO MANAGE PROPERTY- To maintain, repair, improve, invest,
manage, insure, rent, lease, encumber, and in any manner deal with any real or
personal property, tangible or intangible, or any interests therein, that I now own or may