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BK: 2688 PG: 1492 <br /> (W <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 are 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 Healthcare Directive, for <br /> which payments the Principal's Agent is hereby released from any and all liability,if the <br /> Principal has not already 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 BENEFITS <br /> 13. To apply for and make any elections required for payment of governmental <br /> benefits to which the Principal may be 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 may be 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 charges 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.k.a.A.Marshall Licht <br /> PAGE 5 <br /> 110 <br />