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BK: 2688 PG: 1492
<br />nursing homes, convalescent homes and similar organizations.
<br />11. To employ and discharge physicians, dentists, nurses, therapists, and other
<br />professionals as the Agent may deem necessary for the Principal's physical, mental and
<br />emotional well-being and to pay them reasonable compensation. The Agent may also employ
<br />and discharge barbers, beauticians, housekeepers, secretaries, and others who aze not health care
<br />professionals and pay them reasonable compensation.
<br />12. To make and pay for advance funeral, cremation, or other burial arrangements for
<br />the Principal as directed by the Agent under the principal's Advanced Healthcaze Directive, for
<br />which payments the Principal's Agent is hereby released from any and all liability, if the
<br />Principal has not akeady completed that process, in accordance with the Principal's expressed
<br />wishes, if known, or in the Principal's best interest if his/her wishes are not known.
<br />AUTHORITY OVER GOVERNMENTAL BENEFTTS
<br />13. To apply for and make any elections required for payment of governmental
<br />benefits to which the Principal maybe entitled, to take possession of all such benefits, and to
<br />distribute such benefits to or for the Principal's benefit.
<br />AUTHORITY OVER INSURANCE
<br />14. To purchase and maintain insurance on the Principal's life and property or the life
<br />and property of any third person when the principal has an insurable interest. The Agent may
<br />pay all insurance premiums from the Principal's assets and may borrow money on the Principal's
<br />behalf in order to pay for insurance. The Agent may pursue insurance claims on the Principal's
<br />behalf and may decrease or increase coverage under any insurance policy or cancel any policy
<br />and receive on the Principals behalf any cash proceeds on termination. The Agent may also
<br />borrow against policies on the Principal's life and repay loans against such policies as the Agent
<br />considers in the Principal's best interest.
<br />The Agent is authorized to apply for and make any elections required for payment of
<br />insurance benefits to which the Principal maybe entitled, to take possession of all such benefits,
<br />and to distribute such benefits to or for the Principal's benefit.
<br />AUTHORITY OVER ANNUITIES
<br />15. To purchase, maintain, surrender, collect, withdraw funds from, incur penalties
<br />and surrender chazges from, cancel, modify, rescind, release, terminate, or exchange any annuity
<br />contract procured by the Principal or the Agent.
<br />The Agent may also do the following:
<br />DPOA of Allan Marshall Edward Licht
<br />a.lca. A. Marshall Licht
<br />PAGE 5
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