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