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201205248 legal proceeding to which I am a party because of inembership in a pa�triership or lunited liability company. Exercise a right, power or privilege that I have as the holder of a bond, share or instrvment of sunilaz character and to defend, arbitrate and settle any legal proceeding to which I am a party because of any bond, share or similaz instrument (/17 =°j INSURANCE AND ANNUITY TRANSACTIONS: • Obtain, modi£y, renew, convert, rescind, pay the prenuunn on or terminate insurance and annuities of all types for myself and for my family and other dependents. • Designate the beneficiary of the contract, but the attorney-in- fact may be named a beneficiary of the contrac� or an extension, renewal, or substitute for it, only to the extent the attorney-in- fact was named as a beneficiary under a contract procured by the principal before signing this Power of Attorney. • Surrender and receive the cash value, borrow against or pledge any insurance or annuity policy. (A�rW�� ) ESTATE AND TRUST TRANSACTIONS: • To act for me in all matters that affect a trust, probate estate, guardianship, conservatorship, escrow, custodianship or other fund from which I am now, claim to be or later become entitled, as a beneficiary, to a share or paymen� • Transfer any of my property to a living trust that I created as a grantor �fore this Power of Attorney was signed. Q�) LEGAL ACTIONS: To act for me in all legal matters, whether clai.ms in my favor or against me, including but not limited to retaining attorneys on my behalf; appearing for me in all actions and proceedings, commencing actions in my name, signing all documents, submitting clauns bo arbitration or mediation, settling claims and paying judgments and settlements. -4-