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6. Revocability 1 reserve the right to amend or revoke this Power of Attorney, while competent, by an instrument signed, witnessed, and acknowledged by me and delivered to my attorney -in -fact at any time. 7. Competency and Medical Privilege If my competency is in doubt for any reason, my attorney -in -fact may rely conclusively upon the duly executed and acknowledged written certificate of a licensed physician, certifying that such physician has examined me and concluded that by reason of physical or mental dysfunction I had, at the date of said certificate, become incapacitated to act rationally and prudently in the management of my estate. If I fail or refuse to submit to an examination, the physician may rely solely upon observations and any written evidence in preparing the opinion. I waive any medical privilege in favor of my attorney -in -fact. 8. Inducement Reliance All persons dealing with my attorney -in -fact may rely conclusively upon the original or a photocopy of this document, which is intended to give my attorney -in -fact complete authority over all of my assets and financial matters. For purposes of inducing any bank, broker, custodian, insurer, lender, transfer agent, and any other party to act in accordance with the powers granted in this Power of Attorney, I hereby represent, warrant, and agree that, if this Power of Attorney is terminated for any reason, I and my heirs, legal representatives, successors, and assigns will hold such party or parties harmless from any loss suffered or liability incurred by me or my estate and will indemnify such party of any loss or liability incurred by such party in acting in accordance with this Power of Attorney prior to such party's receipt of written notice of any such termination. 9. Governing Law This Power of Attorney shall be governed by the laws of the State of Nebraska in all respects including its validity, construction, interpretation, and termination. If any provision is determined to be invalid, such invalidity shall not affect the validity of any other provision. IN WITNESS WHEREOF, I have signed this instrument this ‘ 2 day of February, 2014. Julia . McPhilli p CERTIFICATE OF ACKNOWLEDGMENT OF NOTARY PUBLIC STATE OF NEBRASKA, COUNTY OF HALL ))) ss. On this 0 A day of February, 2014, before me, personally appeared Julia F. McPhillips, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person whose name is subscribed to this instru ent, and acknowledged that she executed it. SERA Nebraska DAVID P. LEPANT My Comm. Exp. Dec. 27, 2014 Notary Public 4 x 4c1 p 9t.ei e s 201406769