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<br />renewals thereof, mortgages, pledges and guarantees with such powers and provisions
<br />as my Agent may think proper or requisite.
<br />21. Debts and Expenses. To pay, compromise, and settle any and all bills,
<br />loans, notes, or other forms of indebtedness owed by me at the present time, or which
<br />may be owed by me or incurred by my Agent hereunder for my benefit at any time in
<br />the future, and incur and pay from any of my assets or property all reasonable
<br />expenses in connection with control, management, and supervision of my property,
<br />and the maintenance, support, care, and comfort of myself and those dependent upon
<br />me, including reasonable compensation for the service of my Agent, and including the
<br />fees and charges of such agents, attorneys, accountants, or others as my Agent may, in
<br />the exer�ise of discretion, employ in the management of any of my affairs.
<br />22. Investments. To invest and reinvest in loans, stocks, bonds, including
<br />United States Bonds purchased at a discount but redeemable at face value, securities,
<br />real estate, life insurance, annuities, or endowment policies or combinations thereof, or
<br />in any other investment which my Agent may deem proper; to reduce the interest rate
<br />at any time and from time to time on any mortgage or land contract; to deal wifih and
<br />give instructions to any brokerage firm with respect to the purchase, sale or other
<br />disposition of securities and other assets; to add assets to or withdraw assets from any
<br />account in my name and sign any representation, certification or agreement, including
<br />agreements regarding margin, option trading, or commodities accounts, that my Agent
<br />deems advisable.
<br />23. Personal and Medical Care. I have executed contemporaneously
<br />herewith a Durable Power of Attorney for Healthcare. This Durable Power of Attorney
<br />shall not apply to any healthcare decisions and my agenf shall have no authority
<br />hereunder to make any healthcare decisions covered by said Durable Power of
<br />Attorney for Healthcare.
<br />24. Restrictions on Agent's Powers.
<br />a. My Agent cannot execute a Will or Codicil on my behalf;
<br />b. My Agent cannot execute any trust on my behalf; however, my
<br />Agent can enter into a custodial agreement with a financial
<br />institution having trust powers;
<br />c. My Agent cannot divert the beneficial use of my assets to him or
<br />herself, his or her creditors, or his or her estate (although my
<br />Agent may have legal title to the same by virtue of joint ownership
<br />or otherwise);
<br />d. My Agent shall not exercise, and shall not be vested with any
<br />incidents of ownership as to insurance policies insuring my Agent's
<br />life, owned by me;
<br />e. My Agent is a fiduciary, possessing no general or limited power of
<br />appointment;
<br />f. My Agent shall not exercise any powers which I received from my
<br />Agent in a fiduciary capacity, and my Agent shall have no authority
<br />to exercise any powers, the exercise of which would cause assets of
<br />mine to be considered as taxable in my Agent's estate for the
<br />purpose of the federal estate tax;
<br />DURABLE POWER OF ATTORNEY FOR NORMA JEAN GARRETT Page 5
<br />Prepazed by Pence and MacMillan LLC, Lazamie, Wyoming
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