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201608462 16. I specifically authorize and encourage my Agent to make gifts (outright, in trust or otherwise) to members of my family and their spouses, including my Agent. Any authority granted to my Agent shall be limited so as to prevent this power of attorney (1) from causing my Agent to be taxed on my income; (2) from causing my estate to be subject to a taxable general power of appointment (as that term is defined in IRC § 2041, as amended), by my Agent; and (3) from causing my Agent to have any incidents of ownership (within the meaning of IRC § 2042, as amended), with regard to any life insurance policies on the life of my Agent. ARTICLE II BENEFITS My Agent is authorized to create or contribute to an IRA or employee benefit plan for my benefit; to select any payment option under any IRA or employee benefit plan in which I am a participant, or to change options I have selected; to make voluntary contributions to such plans; to make "roll - overs" of plan benefits into other retirement plans, and to apply for and receive any government, insurance or retirement benefits to which I may be entitled. My Agent is authorized to exercise any right I may have to renounce or disclaim any interest in property; to exercise my right to claim an elective share of the estate of any person to which I am now or may later become married, or claim a homestead or exempt property allowance. My Agent is authorized to execute a revocable trust agreement with such trustee or trustees as my Agent shall select which trust shall provide that all income and principal shall be paid to me, to some person for my benefit or applied for my benefit in such amounts as I or my Agent shall request or as the trustee or trustees shall determine, and that on my death any remaining income and principal shall be paid to my personal representative, and that the trust may be revoked or amended by me or my Agent at any time and from time to time; provided, however, that any amendment by my Agent must be such that by law or under the provisions of this instrument such amendment could have been included in the original trust agreement; to deliver and convey any or all of my assets to the trust agreement; to deliver and convey any or all of my assets to the trustee or trustees thereof; to add any or all of my assets to such a trust already in existence at the time of the creation of this instrument or created by me at any time thereafter. The Trustee may be my Agent as sole trustee or as one of several trustees. My Agent is also authorized to withdraw or receive the income or corpus of any trust over which I may have a right of receipt or withdrawal and to request and receive the income or corpus of any trust with respect to which the trustee thereof has the discretionary power to make distributions to or on my behalf. My Agent is authorized to insure my life or the life of anyone in whom I have an insurable interest; to continue life insurance policies now or hereafter owned by me on either my life or the lives of others; to pay all insurance premiums; to select any options under such policies; to increase coverage under any such policy; to borrow against any such policy; to pursue all insurance claims on my behalf; to purchase and/or maintain and pay all premiums for medical insurance covering me and /or any person I am obligated or may have assumed the obligation to support; to carry insurance of such kind and in such amounts as my Agent shall deem appropriate to protect my assets against any hazard and /or to protect me from any liability; to pay the premiums therefor; to pursue claims thereunder and to decrease coverage under or cancel any of the policies described herein; and to receive and make such disposition of the cash value upon termination of any such policy a m Agent shall deem appropriate. LAMSON, DUGAN AND MURRAY, LLP ATTORNEYS AT LAW ARTICLE III REVOCABLE TRUST ARTICLE IV INSURANCE 2