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202005 11 or powers to which for any reason and by any means I may become entitled, whether by gift, testate or intestate succession, including the right to alter, amend, revoke, or terminate, and to exercise any right to claim an elective share in any estate or under any will. (21) Power with Respect to Insurance. My Agent is authorized to purchase, maintain, surrender, collect, or cancel life insurance or annuities, hospital insurance, medical insurance, Medicare supplement insurance, custodial care insurance, long-term care insurance, and disability income insurance for me or any of my dependents, and liability insurance on assets of mine against loss or damage. (22) Power with Respect to Taxes. My Agent is authorized to represent me in all tax matters; to prepare, sign, and file federal, state, and/or local income, gift, and other tax returns of all kinds, and any power of attorney form appointing an agent required by the Internal Revenue Service and/or any state and/or local taxing authority. (23) Power to Oversee Qualified State Tuition Plans. My Agent is authorized to create, fund, modify, and terminate one or more qualified state tuition plans created under section 529 of the Internal Revenue Code. (24) Power to Make Gifts. My Agent is authorized to make gifts or other transfers without consideration either outright or in trust (including the forgiveness of indebtedness and the completion of any charitable pledges I may have made) to such beneficiaries of my estate plan as my Agent shall select; to consent to the splitting of gifts under section 2513 of the Internal Revenue Code; to pay any gift tax that may arise by reason of such gift. My Agent is authorized to make annual gifts to any or all of the beneficiaries named in my will in an amount of $14,000.00, or in the event that the Internal Revenue Code increases the amount of annual gift for exclusion, then such increased amount, for the purpose of reducing federal estate taxes. Such gifts are hereby authorized in accordance with any gift pattern or single gifts made by me in prior years to the extent that it will have any benefit for family tax planning to reduce federal or state estate taxes and state inheritance taxes, as determined in the sole discretion of my said attorney. (25) Power to Provide Support to- Others. My Agent is authorized to support and/or continue to support any person whom I have undertaken to support or to whom I may owe an obligation of support, in the same manner and in accordance with the same standard of living as I may have provided in the past; provided, however, that if at any time that my Agent shall act under this clause I am legally separated or divorced from my spouse, any support provided to such spouse by my Agent shall be limited to such support as may be required by law. (26) Power to Make Loans. My Agent is authorized to lend, renew, or extend money and property at such interest rate, if any, and on such terms and conditions, and with such security, if any, as my Agent may deem appropriate. (27) Power to Care for Pets. My Agent is authorized to take possession of my pets and maintain them in the standard of care and health as I cared for them. In exercising such authority, my Agent is authorized to expend or otherwise use reasonable amounts of my funds as may be Durable Power of Attorney for Janice S. Nikodym Page 4