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 my benefit.
OVERNMENT 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
hereafter acquire, in my name and for my benefit, upon such terms and conditions as
my attorney-in-fact shall deem proper.
GIFTS – To make gifts, grants, or other transfers (including the forgiveness of
indebtedness and the completion of any charitable pledges I may have made) without
consideration, either outright or in trust to such person(s) (including my attorney-in-fact
hereunder) or organizations as my attorney-in-fact shall select, including, without
limitation, the following actions: (a) transfer by gift in advancement of a bequest or
devise to beneficiaries under my will or in the absence of a will to my spouse and
descendants in whatever degree; and (b) release of any life interest, or waiver,
renunciation, disclaimer, or declination of any gift to me by will, deed, or trust