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20120556� decisions or medical treatment or non-treatment be honored by any physician or other health care provider in charge of my medical treatment the same as if I were making such decision while completely competent. I acknowledge that I have read the warning attached to this Durable Power of Attorney, and that I understand the consequences of executing a power of attorney for health care. 21. To Exercise Certain Rights to Propertv. To exercise any right I may have to renounce or disclaim any interest in property and to exercise my right to claim an elective share of the estate of a spouse or claim a homestead or exempt property allowance. 22. To Exercise Rights Relatin� to Insurance and Other Benefit Plans. To exercise any right to elect benefit or payment options, to terminate any such benefit or payment options, to change beneficiaries or ownership, to assign rights, to borrow or receive cash value in return for the surrender of any or all rights under any of the following:: (a) Life Insurance and annuity policies, plans or benefits. (b) Mutual funds and other dividend investment plans. (c) Retirement, profit sharing and employee welfare plans and benefits. 23. To Make Gifts. To make gifts of any of my property, or of any interest that I may have in any properiy, whether real, personal, tangible, intangible or mixed, to my spouse or any of my issue, including but not limited to my duly appointed attorney or alternate attorney, as my attorney shall see fit, the same as if I was actually making such gift myself, as long as such gift qualifies for, and the value of such gift does not exceed, the unused amount of the annual gift tax exclusion at the time that such gift is made. Any such gift made by my attorney in my name shall be deemed an irrevocable gift, the same as if actually transferred by me to the beneficiary of such gift. 24. To Do All Other Thin�s, Etc. In general, to do all other acts, deeds, matters and things whatsoever in or about my estate, property and affairs, or to concur with persons jointly interested with myself therein in doing all acts, deeds, matters and things herein, either particularly or generally described, as fully and effectually to all intents and purposes as I could do myself if personally present. 25. Nomination to Serve as Guardian and/or Conservator and/or Successor Custodian. Should it become necessary for the appointment of a guardian, custodian and/or conservator for me and/or my property, I hereby nominate my attorney as such guardian, custodian, and/or conservator. 4 '✓� �"�� �