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202400026 <br />N/A Any such gift must be approved in writing by <br />or <br />N/A No third -party approval is needed. <br />N/A Authorize another person to exercise the authority granted under this power of <br />attorney. <br />N/A Waive the principal's right to be a beneficiary of a joint and survivor annuity, <br />including but not limited to a survivor benefit under a retirement plan. - - <br />N/A. Exercise fiduciary.powers that the principal has authority to delegate. <br />N/A Disclaim or refuse an interest in property, including but not limited to a power of <br />appointment. <br />N/A Create or change rights of survivorship. <br />N/A Create or change beneficiary designation. <br />LIMITATION ON AGENT'S AUTHORITY <br />Except as otherwise authorized by the Power of Personal and Family Maintenance, an <br />agent MAY NOT use my property to benefit the agent or a person to whom the agent owes an <br />obligation of support unless I have included that authority in the Special Instructions or the Grant <br />of Specific Authority. <br />SPECIAL INSTRUCTIONS (OPTIONAL) <br />(By default this .Power of Attorney is effective immediately, if you would like to delay the effective <br />date please state here.) <br />In addition to all of the other authority granted herein, by initialing here, I grant my <br />agent(s) and any successor agent(s) the authority to make gifts to maintain the customary <br />standard of living of my spouse; my minor children; and, if I had established a pattern of such <br />support, any other individuals. <br />In addition to all of the other authority granted herein, I grant my agent(s) and any <br />successor agent(s) the authority to transfer any of my assets into any of my already existing <br />accounts, regardless of whether said accounts are owned solely by me or jointly by me and <br />others. <br />shall have the authority to request an accounting of any agent. <br />EFFECTIVE DATE <br />This power of attorney is effective immediately upon signature and acknowledgment <br />unless I have stated otherwise in the optional Special Instructions. <br />NOMINATION OF CONSERVATOR AND GUARDIAN (OPTIONAL) <br />If it becomes necessary for a court to appoint a conservator of my estate or guardian of my <br />person, I nominate the following person(s) for appointment: <br />