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GRANT OF SPECIFIC AUTHORITY (OPTIONAL) My agent MAY NOT do any of the following specific acts for me UNLESS I have INITIALED the specific authority listed below: This power of attorney is effective immediately unless I have stated otherwise in the Special Instructions. SPECIAL INSTRUCTIONS (OPTIONAL) You may give special instructions on the following lines: EFFECTIVE DATE 201801667 (CAUTION: Granting any of the following will give your agent the autho to take actions that could significantly reduce your property or change how your proper • istributed at your death. INITIAL ONLY the specific authority you WANT to give yo •e t.) ) Create, amend, revoke, or terminate an int vos trust ( ) Make a gift, subject to the limitations e Uniform Power of Authority Act [insert citation to Section 217 of the act] and any speci nstructions in this power of attorney ) Create or change rights of . i vorship ) Create or change a Clary designation ) Delegate to an* - person to exercise the authority granted under this power of attorney ) Waive • ncipal's right to be a beneficiary of a joint and survivor annuity, including a survivor b t under a retirement plan xercise 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.