Durable Financial Power Of Attorney Page 3

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(If Necessary)
However, my selected Agent above may not make gifts of my property. I appoint
, to
as my substitute Agent for the sole purpose of making gifts of my property, as
appropriate.
___. Transfer any of my assets to the trustee of any revocable trust created by
me, if such trust is in existence at the time of such transfer.
___. Disclaim any interest that might otherwise be transferred or distributed to
me from any other person, estate, trust, or other entity, as may be appropriate.
This Power of Attorney shall be construed broadly as a General Power of Attorney.
The listing of specific powers is not intended to limit or restrict the general powers.
Any power or authority granted to my Agent under this document shall be limited
to the extent necessary to prevent this Power of Attorney from causing: (i) my
income to be taxable to my Agent, (ii) my assets to be subject to a general power
of appointment by my Agent, and (iii) my Agent to have any incidents of ownership
with respect to any life insurance policies that I may own on the life of my Agent.
My Agent shall not be liable for any loss that results from a judgment error that
was made in good faith. However, my Agent shall be liable for willful misconduct or
the failure to act in good faith while acting under the authority of this Power of
Attorney.
I authorize my Agent to indemnify and hold harmless any third party who accepts
and acts under this document.
My Agent shall be entitled to reasonable compensation for any services provided
as my Agent. My Agent shall be entitled to reimbursement of all reasonable
expenses incurred in connection with this Power of Attorney.
My Agent shall provide an accounting for all funds handled and all acts performed
as my Agent, if I so request or if such a request is made by any authorized
personal representative or fiduciary acting on my behalf.
This Power of Attorney shall become effective immediately and shall not be
affected by my disability or lack of mental competence, except as may be provided
otherwise by an applicable state statute. This is a Durable Power of Attorney. This

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