NONDURABLE GENERAL POWER OF ATTORNEY
NEW YORK STATUTORY SHORT FORM
 
              THE POWERS YOU GRANT BELOW CEASE TO BE EFFECTIVE
                  SHOULD YOU BECOME DISABLED OR INCOMPETENT
 
    (CAUTION: THIS IS AN IMPORTANT DOCUMENT. IT GIVES THE PERSON WHOM  YOU DESIGNATE  (YOUR  "AGENT")  BROAD  POWERS TO HANDLE YOUR PROPERTY DURING YOUR LIFETIME, WHICH MAY INCLUDE POWERS TO MORTGAGE, SELL, OR  OTHERWISE DISPOSE  OF  ANY REAL OR PERSONAL PROPERTY WITHOUT ADVANCE NOTICE TO YOU OR APPROVAL BY YOU. THESE POWERS WILL TERMINATE IF YOU BECOME DISABLED OR INCOMPETENT.  THESE POWERS ARE EXPLAINED MORE FULLY IN NEW YORK GENERAL OBLIGATIONS LAW, ARTICLE 5, TITLE 15, SECTIONS 5-1502A THROUGH 5-1503, WHICH EXPRESSLY PERMIT THE USE OF ANY OTHER OR DIFFERENT FORM OF POWER OF ATTORNEY.

    THIS DOCUMENT DOES NOT AUTHORIZE ANYONE TO MAKE MEDICAL OR OTHER HEALTH CARE DECISIONS. YOU MAY EXECUTE A HEALTH CARE PROXY TO DO THIS.
    IF THERE IS ANYTHING ABOUT THIS FORM THAT YOU DO NOT UNDERSTAND, YOU SHOULD ASK A LAWYER TO EXPLAIN IT TO YOU.)
 
    THIS is intended to constitute a NONDURABLE GENERAL POWER OF ATTORNEY pursuant to Article 5, Title 15 of the New York General Obligations Law:
 
    I,  ..................................................................
                       (insert your name and address)
  do hereby appoint:
 
  ........................................................................
    (If 1 person is to be appointed agent, insert the name and address of
      your agent above)
 
  ........................................................................
  ........................................................................
  ........................................................................
  ........................................................................
    (If  2  or  more  persons  are to be appointed agents by you, insert
      their names and addresses above)
 
  my attorney(s)-in-fact TO ACT
 
    (If more than one agent is designated, CHOOSE ONE of the following
      two choices by putting your initials in ONE of the blank spaces
      (    ) to the left of your choice:)
 
  (    ) Each agent may SEPARATELY act.
 
  (    ) All agents must act TOGETHER.
 
    (If neither blank space is initialed, the agents will be required to
      act TOGETHER)
IN MY NAME, PLACE AND STEAD in any way which I myself could do, if I
were personally present, with respect to the following matters  as  each of  them is  defined  in  Title 15 of Article 5 of the New York General Obligations Law to the extent that I am permitted by law to act through an agent:
 
    (DIRECTIONS:  Initial in the blank space to the left of your choice
      any one or more of the following lettered subdivisions as to which
      you WANT to give your agent authority.  If the blank space to  the
      left  of  any particular lettered subdivision is NOT initialed, NO
      AUTHORITY WILL BE GRANTED for matters that are  included  in  that
      subdivision. ALTERNATIVELY, the letter corresponding to each power
      you  wish  to  grant  may be written or typed on the blank line in
      subdivision "(Q)", and you may then put your initials in the blank
      space to the left of subdivision "(Q)" in order to grant  each  of
      the powers so indicated)
 
    (      ) (A) real estate transactions;
    (      ) (B) chattel and goods transactions;
    (      ) (C) bond, share and commodity transactions;
    (      ) (D) banking transactions;
    (      ) (E) business operating transactions;

    (      ) (F) insurance transactions;
    (      ) (G) estate transactions;
    (      ) (H) claims and litigation;
    (      ) (I) personal relationships and affairs;
    (      ) (J) benefits from military service;
    (      ) (K) records, reports and statements;
    (      ) (L) retirement benefit transactions;
    (      ) (M) making gifts to my spouse, children and more remote
                 descendants,  and parents, not to exceed in the aggregate
                 $10,000 to each of such persons in any year;
    (      ) (N) tax matters;
    (      ) (O) all other matters;
    (      ) (P) full and unqualified authority  to my attorney(s)-in-fact
                 to delegate any or all of the  foregoing  powers  to  any
                 person  or  persons  whom  my  attorney(s)-in-fact  shall
                 select;
    (      ) (Q) each of the above matters  identified  by  the  following
                 letters:
                 .........................................................
 
    (Special  provisions  and limitations may be included in the statutory
      short form nondurable power of attorney only if they conform to  the
      requirements  of  section 5-1503 of the New York General Obligations
      Law.)
  ........................................................................
  ........................................................................
  ........................................................................
  ........................................................................
 
    If every agent named above is unable or unwilling to serve,  I appoint
 
  ........................................................................
                   (insert name and address of successor)
 
  to be my agent for all purposes hereunder.

TO INDUCE ANY THIRD PARTY TO ACT HEREUNDER, I HEREBY  AGREE  THAT  ANY   THIRD  PARTY  RECEIVING  A  DULY  EXECUTED  COPY  OR  FACSIMILE  OF THIS INSTRUMENT MAY ACT HEREUNDER, AND THAT REVOCATION OR TERMINATION  HEREOF SHALL  BE  INEFFECTIVE  AS  TO  SUCH THIRD PARTY UNLESS AND UNTIL ACTUAL NOTICE OR KNOWLEDGE OF SUCH REVOCATION OR TERMINATION  SHALL  HAVE  BEEN RECEIVED  BY  SUCH  THIRD  PARTY,  AND  I  FOR  MYSELF AND FOR MY HEIRS, EXECUTORS, LEGAL REPRESENTATIVES AND ASSIGNS, HEREBY AGREE TO  INDEMNIFY AND  HOLD  HARMLESS  ANY  SUCH  THIRD PARTY FROM AND AGAINST ANY AND ALL CLAIMS THAT MAY ARISE AGAINST SUCH THIRD PARTY BY REASON OF  SUCH  THIRD PARTY HAVING RELIED ON THE PROVISIONS OF THIS INSTRUMENT.
 
    THIS  NONDURABLE GENERAL POWER OF ATTORNEY MAY BE REVOKED BY ME AT ANY TIME.
 
    In Witness Whereof I have hereunto signed my name this  .....  day  of
  ........., 20 .... .
 
    (YOU SIGN HERE:) ==> .................................................
                              (Signature of Principal)
 
  (ACKNOWLEDGEMENT)"

    The  execution  of  this  statutory  short  form  nondurable  power of
  attorney shall be duly acknowledged  by  the  principal  in  the  manner
  prescribed for the acknowledgement of a conveyance of real property.
    No  provision of this article shall be construed to bar the use of any
  other or different form of power of  attorney  desired  by  the  parties
  concerned.
    Every  statutory short form nondurable power of attorney, to be valid,
  must be written, typed or printed using letters  which  are  in  legible
  writing  of  or clear type of no less than twelve-point in size or if in
  writing a reasonable equivalent thereof and must contain, in  bold  face
  upper  case  or  upper  and  lower  case type or a reasonable equivalent
  thereof the "CAUTION"  which  is  printed  in  bold  face  type  at  the
  beginning of the statutory form printed above and the "DIRECTIONS" which
  are  printed  in  bold  face  type  immediately  before subdivisions (A)
  through (Q) of the statutory form printed above.
    2. A power of attorney is a "statutory short form power of  attorney",
  as  this  phrase  is used in the following sections of this title, when,
  but only when, it meets the requirements of  the  closing  paragraph  of
  subdivision  one  or subdivision one-a of this section and has been duly
  acknowledged  by  the  principal  in  the  manner  prescribed  for   the
  acknowledgement  of  a  conveyance  of real property and it contains the
  exact wording of the form set forth in subdivision  one  or  subdivision
  one-a  of  this  section, except that any blank space to the left of any
  one or more of lettered subdivisions (A) through (Q) may be initialed by
  the principal, in which case the corresponding subdivisions to the right
  of the blank spaces so initialed shall be deemed chosen by the principal
  and effective with respect to the powers  conferred  in  the  particular
  sections  of  this  title  which  are represented by the subdivisions so
  chosen. Notwithstanding the foregoing, a "statutory short form power of
  attorney"  may contain modifications or additions of the types described
  in section 5-1503 of this chapter.
    3. If more than one agent is designated by the principal, such agents,
  in the exercise of the powers conferred, must act jointly or  separately
  consistent   with   the  interpretive  instructions  contained  in  such
  statutory short form power of attorney.
    4. Notwithstanding subdivisions one, one-a and two of this section,  a
  power  of  attorney  executed  either  before,  on,  or  after September
  twenty-seventh, nineteen hundred sixty-four and  before  October  first,
  nineteen  hundred  ninety-four  is  a  "statutory  short  form  power of
  attorney" as this phrase is used in the following sections of this title
  when it uses the words "New  York  General  Business  Law,  Article  13,
  sections  222-234"  and  the  words  "Article 13 of the New York General
  Business Law" in lieu of the words "New York  General  Obligations  Law,
  Article  5,  Title  15, sections 5-1502A through 5-1503" and "Article 5,
  Title 15 of the New York General Obligations Law" and in other  respects
  complies  with  subdivision  two of this section as such subdivision two
  existed before its amendment effective October first,  nineteen  hundred
  ninety-four.
4-a.  Notwithstanding subdivisions one, one-a and two of this section,
  a power of attorney executed either on or after October first,  nineteen
  hundred  ninety-four and before the effective date of subdivision five-a
  of this section is a "statutory short form power of  attorney"  as  this
  phrase  is used in the following sections of this title when it uses the
  words "New York General Obligations Law, Article 5, Title  15,  sections
  5-1502A through 5-1503" and "Article 5, Title 15 of the New York General
  Obligations  Law" and in other respects complies with subdivision two of
  this section as  such  subdivision  two  existed  before  its  amendment
  effective  on  the same date as the effective date of subdivision five-a
  of this section.
5.  Every "statutory short form power of attorney", as this phrase is
  used in the following sections of this title, which was executed  before
  October   first,   nineteen   hundred ninety-four in accordance with
  provisions of law  effective  at  the  time  of  such  execution,  shall
  continue to remain effective and be governed by the requirements of such
  prior  law,  on  and  after October first, nineteen hundred ninety-four;
  provided, however, that every "statutory short form power  of  attorney"
  executed on and after October first, nineteen hundred ninety-four shall
  be subject to the provisions of this section as amended by  chapter  six
  hundred ninety-four of the laws of nineteen hundred ninety-four.
    5-a. Every "statutory short form power of attorney", as this phrase is
  used  in the following sections of this title, which was executed before
  the effective date of this subdivision in accordance with provisions  of
  law  effective  at  the time of such execution, shall continue to remain
  effective and be governed by the requirements of such prior law, on  and
  after  the  effective  date of this subdivision; provided, however, that
  every "statutory short form power of attorney" executed on and after the
  effective date of this subdivision shall be subject to the provisions of
  this section as amended by the same chapter of the laws as the one which
  added this subdivision to this section.