_______ (E) Banking and other financial institution transactions. To make, receive, sign, endorse,
execute, acknowledge, deliver and possess checks, drafts, bills of exchange, letters of credit, notes, stock
certificates, withdrawal receipts and deposit instruments relating to accounts or deposits in, or certificates of
deposit of banks, savings and loans, credit unions, or other institutions or associations. To pay all sums of
money, at any time or times, that may hereafter be owing by me upon any account, bill of exchange, check,
draft, purchase, contract, note, or trade acceptance made, executed, endorsed, accepted, and delivered by
me or for me in my name, by my Agent. To borrow from time to time such sums of money as my Agent may
deem proper and execute promissory notes, security deeds or agreements, financing statements, or other
security instruments in such form as the lender may request and renew said notes and security instruments
from time to time in whole or in part. To have free access at any time or times to any safe deposit box or
vault to which I might have access.
_______ (F) Business operating transactions. To conduct, engage in, and otherwise transact the affairs
of any and all lawful business ventures of whatever nature or kind that I may now or hereafter be involved in.
To organize or continue and conduct any business which term includes, without limitation, any farming,
manufacturing, service, mining, retailing or other type of business operation in any form, whether as a
proprietorship, joint venture, partnership, corporation, trust or other legal entity; operate, buy, sell, expand,
contract, terminate or liquidate any business; direct, control, supervise, manage or participate in the
operation of any business and engage, compensate and discharge business managers, employees, agents,
attorneys, accountants and consultants; and, in general, exercise all powers with respect to business
interests and operations which the principal could if present and under no disability.
_______ (G) Insurance and annuity transactions. To exercise or perform any act, power, duty, right, or
obligation, in regard to any contract of life, accident, health, disability, liability, or other type of insurance or
any combination of insurance; and to procure new or additional contracts of insurance for me and to
designate the beneficiary of same; provided, however, that my Agent cannot designate himself or herself as
beneficiary of any such insurance contracts.
_______ (H) Estate, trust, and other beneficiary transactions. To accept, receipt for, exercise, release,
reject, renounce, assign, disclaim, demand, sue for, claim and recover any legacy, bequest, devise, gift or
other property interest or payment due or payable to or for the principal; assert any interest in and exercise
any power over any trust, estate or property subject to fiduciary control; establish a revocable trust solely for
the benefit of the principal that terminates at the death of the principal and is then distributable to the legal
representative of the estate of the principal; and, in general, exercise all powers with respect to estates and
trusts which the principal could exercise if present and under no disability; provided, however, that the Agent
may not make or change a will and may not revoke or amend a trust revocable or amendable by the
principal or require the trustee of any trust for the benefit of the principal to pay income or principal to the
Agent unless specific authority to that end is given.
_______ (I) Claims and litigation. To commence, prosecute, discontinue, or defend all actions or other
legal proceedings touching my property, real or personal, or any part thereof, or touching any matter in
which I or my property, real or personal, may be in any way concerned. To defend, settle, adjust, make
allowances, compound, submit to arbitration, and compromise all accounts, reckonings, claims, and
demands whatsoever that now are, or hereafter shall be, pending between me and any person, firm,
corporation, or other legal entity, in such manner and in all respects as my Agent shall deem proper.
_______ (J) Personal and family maintenance. To hire accountants, attorneys at law, consultants, clerks,
physicians, nurses, agents, servants, workmen, and others and to remove them, and to appoint others in
their place, and to pay and allow the persons so employed such salaries, wages, or other remunerations, as
my Agent shall deem proper.
_______ (K) Benefits from Social Security, Medicare, Medicaid, or other governmental programs, or
military service. To prepare, sign and file any claim or application for Social Security, unemployment or
military service benefits; sue for, settle or abandon any claims to any benefit or assistance under any
federal, state, local or foreign statute or regulation; control, deposit to any account, collect, receipt for, and
take title to and hold all benefits under any Social Security, unemployment, military service or other state,
federal, local or foreign statute or regulation; and, in general, exercise all powers with respect to Social
Security, unemployment, military service, and governmental benefits, including but not limited to Medicare
and Medicaid, which the principal could exercise if present and under no disability.
_______ (L) Retirement plan transactions. To contribute to, withdraw from and deposit funds in any type
of retirement plan (which term includes, without limitation, any tax qualified or nonqualified pension, profit
sharing, stock bonus, employee savings and other retirement plan, individual retirement account, deferred
compensation plan and any other type of employee benefit plan); select and change payment options for the