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<br /> (a) To take any action on my behalf my Agent may deem �t regarding causes of or choses in action,
<br /> claims, litigation, administrative actions, arbitra#ions, mediations, negotia#ions, bankruptcy acfians,
<br /> insolvency proceedings, reorganizations, assignments, receiverships, and all other cont�actual and
<br /> statutory rights and elections ! might have, including but not limited to any actions my Agent may deem fit
<br /> far asserting, fi(ing, prosecuting, defending, and sett(ing such mafters, accepting service of process upon
<br /> me, executing and enfarcing judgments, collecting sums or property on my behalf, and claiming or
<br /> waiving rights and elections.
<br /> PrincipaPs initials:,�,L�' a Z.
<br /> (b) To exercise the following powers with regard to filing bankruptcy on my behalf, with the specifrc
<br /> undersfanding that these powers wil( be used for my benefit and will be exercised in a fiduciary capacity:
<br /> to file a petition on my behalf under Chapters 7, 11, 12 or 13 of the Federal Bankruptcy Code or under
<br /> any future laws that provide bankruptcy relief for an individual consumer debfar, to take at( acfians that I
<br /> could take with regard ta any bankruptcy action filed on my behaff, including but not limited to, executing
<br /> schedules, statements of affairs, repayment plans, and attending all bankruptcy-related praceedfngs that
<br /> my Agent deems advisable, inciuding creditors' meetings and confirmation hearings, filing abjections to
<br /> claims and filing and prosecuting adversary proceedings.
<br /> {c} To fiEe ctaims on my behatf in any bankruptcy proceeding, and to take any necsssary actions to
<br /> collect an those claims. I hereby autharize my Agent, acting as claimant on my behalf, with full power of
<br /> substitution, to vote art any question that may be lavv#uJly submitted to creditars, to vote far a trustee and
<br /> far a committee of creditars, to receive dividends, and in general to perform any act nat constituting the
<br /> practice of law.
<br /> Principal's initials:��,_
<br /> (d) Ta enter into modify, reform, rescind, renegatiate, execute, acknowledge, and deliver any and all
<br /> contracts, deeds, certificates of title, mortgages, obligations, instrumertts of indemnity or guarar�ty, leases, '
<br /> bills of sale, re(eases, receipts, affidavits, pledges, agreements, or other instruments ar papers of any
<br /> kind or character whatsoever and to draw, accept, rnake, sign, seal, execute, deliver, endorse, discount,
<br /> or othetwise deal with any bi!!s af exchange, promissory nates, ar otfier commercial or mercanti(e
<br /> instruments.
<br /> � Principal's initials: � �
<br /> - MAiL AND CCiRRESPONDENGE:
<br /> To receive, open, read, and respond to my mail and electronic or telephonic correspandence, and to
<br /> change the address to which mail ar correspondence wi[i be sent.
<br /> Pt1BLlG AND GQVERNMENTAL BENEFlTS AND QUALtF1ED INGOME TRUSTS:
<br /> (a) To prepare, sign, file, pursue, prosecute, and appeal any clairri or application for a benefit or
<br /> assis#ance, financial ar otherwise, to which I may be entitled under a statu#e or governmenta!regulation.
<br /> , (b} To prosecute, defend, appeai, submit fo arbitration, setfie and prapose or accept a campramise with
<br /> respect to any benefits L may be entitled to receive ar repayments I may be requested to make.
<br /> �� Principa�'s initials:_��� �
<br /> ------�---(�}�—fio�re�eiv�and��n�l6rse cfi��ks whicfi�epresent�he"fiinancial p�acee�s ofi a claim o� fhis type and--��- ---LL -- ---��
<br /> use them for my benefit.
<br /> � {d} Ta arrange for direct deposit of payrnents, income ar benefits, inc{uding but not (imited to Social
<br /> Security, SSI, VA, and pensian checks ar bene�ts, to my bank or other financial accaunt.
<br /> {e) If necessary for eligibility for pubJic benefits arad if lawfu! as exempt transfers under then-existing
<br /> public benefits laws�and regulations and the transfers would not result in a period af ineligibility for such
<br /> benefits, to make exempt gifts or transfers from my estate, Pncluding of assets ! may have in a revocabie �
<br /> trusf, but an(y fo my spouse andlar to a special needs type trust currentiy exisfing ar that my Agent may �
<br /> create in rny name for the benefit of my blind or disabled dependent child, if any, and/or to other parties to '�
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