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(4) Banking and other financial institution transactions My agent may do any at that I can do through an agent in connection with any banking transaction that might affect niy financial or other interests. My agent's powers include but are not limited to the power to: (a) Continue, modify and terminate any deposit account or other banking artattgettietit, or elperi either iii the name of the agent aletie of my name alone of in both our names jointly, a deposit account of any type in any financial institution, rent a safe deposit box or vault space, have access to a safe deposit box or vault to which I would have access, and make other contracts with the ifi5tittttiott (b) Make, sign and deliver checks or drafts, and withdraw my funds or property from any financial institution by check, order or otherwise. (c) Prepare f hatieibl statement cciricertfing my assets and liabilities or Wane a acid expenses and deliver them to any financial institution, and receive statements, notices or other documents from any financial institution. (d) Borrow money from a financial institution on terms my agent deems acceptable, give seettrity i tit iif My assets, acid t5ay, review or ekiteild the tithe of payment of any note given by or on my behalf. (6) Estate, trust and other beneficiary transactions My agent may act for me in all matters that affect a trust, probate estate, Durable Power of Attorney for Financial Management — Page 6 of 9 201707725 (5) Insurance and annuity transactions My agent may do any aet that I can do through an agent, in conneetioo with any insurance or annuity policy, that my agent deems desirable. My agent's powers include but are not limited to the power to: (a) Continue, pay the premium on, modify, rescind or terminate any annuity or policy of life, accident, health, disability or liability insurance f5toeured by rye or on my behalf before the execution of this power of attorney. (b) Procure new, different or additional contracts of life, accident, health, disability or liability insurance; modify, rescind or terminate any such contract; and designate the beneficiary of any such contract. (c) Sell, assign, borrow on, pledge, or surrender and receive the cash surrender value of any policy.