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) Create, amend, revoke, or terminate an inter vivos trust Make a gift, subject to the limitations of the Nebraska Uniform Power of Attorney Act and any special instructions in this power of attorney ) Create or change rights of survivorship Create or change a beneficiary designation Delegate to another person to exercise the authority granted under this power of attorney Waive the principal's right to be a beneficiary of a joint and survivor annuity, including a survivor benefit under a retirement plan ) Exercise fiduciary powers that the principal has authority to delegate Renounce or disclaim an interest in property, including a power of appointment LIMITATION ON AGENT'S AUTHORITY Except as otherwise authorized by the Power of Personal and Family Maintenance, an agent MAY NOT use my property to benefit the agent or a person to whom the agent owes an obligation of support unless I have included that authority in the Special Instructions or the Grant of Specific Authority. SPECIAL INSTRUCTIONS (OPTIONAL) You may give special instructions on the following lines: NONE EFFECTIVE DATE 201605 This power of attorney is effective immediately unless I have stated otherwise in the Special Instructions. NOMINATION OF [CONSERVATOR OR GUARDIAN] (OPTIONAL) If it becomes necessary for a court to appoint a [conservator or guardian] of my estate or [guardian] of my person, I nominate the following person(s) for appointment: Name of Nominee for [conservator or guardian] of my estate: Ronald D. Laub Nominee's Address: 450 Highway 34 East, Grand Island, NE 68801 Nominee's Telephone Number: 308 -382 -9591 Name of Nominee for [guardian] of my person: Ronald D. Laub Nominee's Address: 450 Highway 34 East, Grand Island, NE 68801 Nominee's Telephone Number: 308 - 382 -9591