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200403528 <br />shall have the power or authority to (a) gift, appoint, assign or designate any of my assets, <br />interests or rights, directly or indirectly, to such Agent, such Agent's estate, such Agent's <br />creditors, or the creditors of such Agent's estate, (b) exercise any powers of appointment I <br />may hold in favor of such Agent, such Agent's estate, such Agent's creditors, or the creditors <br />of such Agent's estate, or (c) use any of my assets to discharge any of such Agent's legal <br />obligations, including any obligations of support which such Agent may owe to others, <br />excluding those whom I am legally obligated to support. <br />12. Subject to other provisions of this document, disclaim any interest which might <br />otherwise be transferred or distributed to me from any other person, estate, trust, or other <br />entity, as may be appropriate. However, my Agent may not disclaim assets to which I would <br />be entitled, if the result is that the disclaimed assets pass directly or indirectly to my Agent <br />or my Agent's estate. Provided that they are not the same person, my Agent may disclaim <br />assets which pass to my Gift Agent, and my Gift Agent may disclaim assets which pass to <br />my Agent. <br />This Power of Attorney shall be construed broadly as a General Power of Attorney. The listing <br />of specific powers is not intended to limit or restrict the general powers granted in this Power of <br />Attorney in any manner. <br />Any power or authority granted to my Agent under this document shall be limited to the extent <br />necessary to prevent this Power of Attorney from causing: (i) my income to be taxable to my <br />Agent, (ii) my assets to be subject to a general power of appointment by my Agent, or (iii) my <br />Agent to have any incidents of ownership with respect to any life insurance policies that I may <br />own on the life of my Agent. <br />My Agent shall not be liable for any loss that results from a judgment error that was made in <br />good faith. However, my Agent shall be liable for willful misconduct or the failure to act in <br />good faith while acting under the authority of this Power of Attorney. A successor Agent shall <br />not be liable for acts of a prior Agent. <br />No person who relies in good faith on the authority of my Agent under this instrument shall incur <br />any liability to me, my estate or my personal representative. I authorize my Agent to indemnify <br />and hold harmless any third party who accepts and acts under this document. <br />If any part of any provision of this instrument shall be invalid or unenforceable under applicable <br />law, such part shall be ineffective to the extent of such invalidity only, without in any way <br />affecting the remaining parts of such provision. or the remaining provisions of this instrument. <br />My Agent shall not be entitled to any compensation, during my lifetime or upon my death, for <br />any services provided as my Agent. My Agent shall be entitled to reimbursement of all <br />reasonable expenses incurred as a result of carrying out any provision of this Power of Attorney. <br />-3- <br />