FINANCIAL, HEALTHCARE & COMPREHENSIVE, DURABLE

POWER OF ATTORNEY
XXXXXXXX XXXXXXXXXXXX

I, XXXXXXXXXXXXXXXXX, residing in the Township of Deptford,

County of Gloucester and State of New Jersey and being of full age and
of sound and disposing mind do hereby make, constitute and appoint
my niece,XXXXXXXXXXXXXXXXX my true and lawful attorney-in-fact for
me and in my name and place to act on my behalf and for my benefit.
This grant of authority to my niece shall be construed and interpreted
as a general and comprehensive Power of Attorney which extends to
matters affecting me including but definitely not limited to, financial,
medical, personal or otherwise and any examples of specific authority,
rights or powers contained herein shall be by way of illustration and not
of limitation, it being my intention that my attorney-in-fact shall have
full, complete and absolute power and authority to do anything that I
might otherwise be able to do myself.

HIPAA COMPLIANCE AND RELEASE AUTHORITY

This Power of Attorney is intended to be fully compliant with the

provisions of the Health Insurance Portability and Accountability Act of
1996, as amended (HIPAA) [Title 42 USC 1320(d) and implementing
regulations found at 45 CFR 160 et. seq.] and I regard it to be so. In
light of the hysteria that has arisen as a result of certain aspects of
this salutary law which merely seeks to be solicitous of individual
privacy, I make this statement here so that there may be no mistake
as to my wishes or intent.
I intend for my agent to be treated as I would be with respect to
my rights regarding the use and disclosure of my individually
identifiable health information or other medical records. This “release
authority” applies to any information governed by the Health
Insurance Portability and Accountability Act of 1996, as amended to
date or subsequent to my execution of this Power of Attorney. I
authorize: any physician, healthcare professional, dentist, health plan,
hospital, clinic, laboratory, pharmacy or other covered health care
provider, any insurance company and the Medical Information Bureau
Inc or other health care clearinghouse that has provided treatment or
services to me or that has paid for or is seeking payment from me for
such services to give, disclose and release to my agent, without
restriction, all of my individually identifiable health information and
medical records regarding any past, present or future medical or
mental health condition, to include all information relating to the
diagnosis and treatment of HIV/AIDS, sexually transmitted diseases,
mental illness and drug or alcohol abuse.
Prepared By:
Dale Lundquist, Esquire

I, XXXXXXXXXXXXXX, also specifically grant my niece,

XXXXXXXXXXXXX, acting as my attorney-in-fact, the power to:
(a) ask, demand, sue for, recover and receive all manner of
goods, chattels, debts, rents, interest, sums of money or anything else
that may now or hereafter become due and owing or belonging to me;
(b) make, give and execute all manner of documents,
receipts, releases, satisfactions or other discharges whether under seal
or otherwise;
(c) make, execute, endorse, accept and deliver in my name or
in the name of my said attorney all checks, notes, drafts, warrants,
acknowledgments, agreements and all other instruments in writing of
whatever nature and to make any and all withdrawals from any financial
institutions in which I may have accounts or to liquidate, roll over,
convert or otherwise deal with any instruments representing obligations
owed to me whether such instruments be certificates of deposit, stocks,
bonds or other securities;
(d)(1) To continue, modify or terminate any account or other
banking arrangement made by or on behalf of the principal prior to
creation of the agency; (2) To open, either in the name of the agent
alone, the principal alone or in both their names jointly, or otherwise, an
account of any type in any banking institution selected by the agent; (3)
to hire, remove the contents of or surrender a safe deposit box or vault

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space and to make other contracts for the procuring of other services
made available by any banking institution or safe deposit company as
the agent shall deem desirable; (4) To draw, sign and deliver checks or
drafts for any purpose, to withdraw by check, order, draft, wire
transfer, electronic funds transfer or otherwise, any funds or property of
the principal deposited with, or left in the custody of, any banking
institution, wherever located, either prior or subsequent to the creation
of the agency, and use any line of credit connected with any such
accounts, apply for any automatic teller machine card or debit card or
use any automatic teller machine card or debit card, including already
existing cards, in connection with any such accounts and apply for and
use any bank credit card issued in the name of the agent as an
alternate user, but shall not use existing credit cards issued in the name
of the principal, on existing bank credit card accounts of the
principal; (5) To prepare periodic financial statements concerning the
assets and liabilities or income and expenses of the principal, and to
deliver statements so prepared to the banking institution or other
person whom the agent believes to be reasonably entitled; (6) To
receive statements, vouchers, notices or other documents from any
banking institution and to act with respect to them; (7) To have free
access during normal business hours to any safe deposit box or vault to
which the principal would have access if personally present; (8) To
borrow money by bank overdraft, loan agreement or promissory note of
the principal given for a period or on demand and at an interest rate as
the agent shall select; (9) To give any security out of the assets of the
principal as the agent shall deem desirable or necessary for any
borrowing; (10) to pay, renew or extend the time of payment of any
agreement or note so given or given by or on behalf of the principal and
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to procure for the principal a loan from any banking institution by any
other procedure made available by a banking institution; (11) To make,
assign, endorse, discount, guaranty and negotiate for any purpose all
promissory notes, checks, drafts or other negotiable or non-negotiable
paper instruments of the principal or payable to the principal or to the
principal's order; (12) to receive the cash or other proceeds of these
transactions; and to accept any draft drawn by any person upon the
principal and pay it when due; (13) To receive for the principal and deal
in or with any trust receipt, warehouse receipt or other negotiable or
non-negotiable instrument in which the principal has or claims to have
interest; (14) To apply for and receive letters of credit or traveler's
checks from any banking institution selected by the agent, giving any
related indemnity or other agreements as the agent shall deem
appropriate; (15) To consent to an extension in the time of payment for
any commercial paper or banking transaction in which the principal has
an interest or by which the principal is, or might be, affected in any
way; (16) To demand, receive, obtain by action, proceeding or
otherwise any money or other thing of value to which the principal is,
may become or may claim to be entitled to as the proceeds of any
banking transaction conducted by the principal or by the agent in the
execution of any of the powers described in this section, or partly by the
principal and partly by the agent so acting; (17) to conserve, invest,
disburse or utilize anything so received for the purposes enumerated in
this section and to reimburse the agent for any expenditures properly
made by the agent in the execution of the powers conferred upon the
agent by the power of attorney pursuant to the provisions of this
section; (18) To execute, acknowledge, seal and deliver any instrument
in the name of the principal or otherwise which the agent deems useful
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for the accomplishment of any purpose enumerated in this section; (19)
To prosecute, defend, submit to arbitration, settle and propose or
accept a compromise with respect to any claim existing in favor of or
against the principal based on or involving any banking transaction or to
intervene in any action or proceeding relating to the banking
transaction and; (20) To hire, discharge and compensate any attorney,
accountant, expert witness or other assistant or assistants when the
agent deems the action to be appropriate for the proper execution by
the agent of any of the powers described in this section and for
maintaining the necessary records. In addition to the foregoing
specific acts set forth in this paragraph (d), to do any other act
which the principal may do through an agent concerning any
transaction with a banking or other financial institution which
affects my financial or other interests.
(e) To execute, acknowledge and deliver any and all
contracts, deeds, leases, mortgages, assignments of mortgage,
extensions of mortgage, satisfactions of mortgage, releases of
mortgage, subordination agreements and any other instrument or
agreement of any kind or nature whatever in connection with any and
all rights I may have in any real property wherever situate and
specifically with regard to real property I own which is commonly known
as xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx, Deptford Township, New Jersey,
the Deed to which is recorded in Book ______ of Deeds at page _____ in
the Gloucester County Clerk’s Office (however, the absence of this
recording information shall not prevent or limit my agent’s authority to
deal with this or any other property I own) ; to enter into listing
agreements with realtors, to execute and carry out agreements of sale
on my behalf, to attend closing of title of such sale on my behalf, to
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execute and deliver a good and valid Deed to the property pursuant to
any such Agreement of Sale, to execute Affidavits of Title as to such
property, to sign and deliver any and all other documents as may be
reasonably required to consummate the sale of my said property and
give such other and further assurances as my agent in his sole
discretion may deem advisable, to sign the Settlement Sheet required
by the Real Estate Settlement Procedures Act and to accept the sum
total of the net proceeds of the sale on my behalf;
(f) enter onto and take possession of any lands, real estate,
houses or other structures or parts thereof belonging to me that may
become vacant or unoccupied or to otherwise act in my behalf with
regard thereto;
(g) commence and prosecute or to defend on my behalf any
suits or actions or other legal or equitable proceedings affecting any
interest of mine;
(h) take all steps and remedies necessary and proper for the
conduct and management of my affairs, protection of my assets or the
realization of any rights I may have;
(i) act, during my lifetime, so as to maximize any benefits and
minimize any obligations I, my estate or my heirs may obtain or incur
pursuant to the United States Internal Revenue Code or other federal or
state law, or to take any other action which would otherwise result in a
benefit to me or my estate, including but not limited to creating and
executing any trusts, whether revocable or irrevocable, or other estate
planning entities and the funding thereof; to file tax returns and handle
all other matters relating to my taxes, including handling tax disputes
with the Internal Revenue Service according to the terms of the Internal
Revenue Service Form 2848 which I have signed and given to my agent;
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 (j) make any and all decisions regarding or relating to my
medical care and treatment including but without limiting other powers
not enumerated, the following: (1) to employ or discharge my
physicians or other health care providers and to consent or refuse to
consent to any medical care, treatment and/or procedures on my
behalf; (2) obtain complete and total access to my medical records and
to discuss the same with my doctors (whom I hereby authorize and
direct under the HEALTH INSURANCE PORTABILITY AND
ACCOUNTABILITY ACT OF 1996 (HIPAA) to do so and for the purposes
of HIPAA regulations, the word “Agent” as used herein shall also mean
my “Personal Representative”); (3) to disclose the records to others; (4)
to authorize my admission to any hospital or other health care facility
and to sign appropriate consents and releases; (5) to receive any and all
information and/or documentation in my health care records, whether
now existing or hereafter created and exchange information with any of
my health care providers, including information regarding my health
history, relating to my physical or mental ability to understand or be
able to make or communicate decisions about my property or financial
or business affairs or the property or financial or business affairs of any
other person for whom I am an agent under a durable power of attorney
or to make informed health care decisions regarding myself or any
other person for whom I am an agent under an advance health care
directive or similar instrument.
This authorization shall apply to any physician or other health care
provider who has in the past, is currently or shall in the future, provide
health care services to me and shall remain in full force and effect until
the earlier of (1) receipt of my written revocation or (2) my death. I
intend for my Agent to be treated as I would with respect to my rights
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regarding the use and disclosure of my individually identifiable health
information or other medical records, made, obtained or on file with any
physician, healthcare professional, dentist, health plan, hospital, clinic,
laboratory, pharmacy or other covered health care provider and to give,
disclose and release to my Agent without restriction any or all of my
individually identifiable health information and medical records
regarding any past, present or future medical or mental health
condition.
I further authorize my Agent to sign such documents as may be
required to authorize the release of the above information or
documentation, including for the purposes of complying with any and all
federal and/or state statutes or regulations now in effect or hereafter
enacted or adopted. I understand that once any of the above
information is disclosed, the provider of such information and/or
documentation will have no control over whether the same may be
redisclosed by my Agent and the information may not be protected by
federal privacy laws or regulations. I understand that I am not required
to authorize the use or disclosure of this information to my Agent but I
am in fact voluntarily authorizing it because I believe it to be in my best
interest to do so. My Agent shall be entitled to reimbursement for all
reasonable costs and expenses actually incurred and paid by my Agent
under any provision of this document, and I instruct any fiduciary
having control over my assets to reimburse my agent accordingly.
I hereby release and hold harmless any individual, organization,
institution, agency or other entity from liability in connection with their
good faith release of my private health information to my Agent named
herein.
(k) to make gifts to persons, charities or other entities on my
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behalf, whether or not to do so is for minimizing any tax liability I or my
Estate upon my death may incur provided that, under no circumstances
shall any gift be made which would jeopardize or disqualify me from
receiving any benefits to which I may be entitled from any public or
private sources.
(l) do each, any and every act that I can legally do myself.
All of the foregoing powers and authority I give to my agent, my
niece, XXXXXXXXXXXXX, to assume and use as in her sole discretion
shall be deemed proper and in my best interest.
The grant of authority contained herein is effective as of the date
of my signing this Power of Attorney and shall remain in effect without
regard to whether or not, after the date hereof, I become disabled as
defined by statute, professional medical opinion or otherwise.
I hereby agree to hold harmless any person or entity who or which
in good faith: (1) relies upon the grant of authority contained herein in
accepting anything done by my niece, XXXXXXXXXXXXX as my
attorney-in-fact as if I had done so myself; (2) regards as truthful any
representation by my Agent that I am still alive and that this Power of
Attorney has not been modified or revoked by me and is still in full force
and effect and; (3) accepts a photocopy of this Power of Attorney to be
as valid and legally binding as the original.
Signed by me this _____ day of FEBRUARY, 2009.

WITNESS XXXXXXX

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 VERIFICATION OF AUTHENTICITY

I, XXXXXXXXXXXXXX, by signing below, do hereby attest to the

validity and authenticity of the signature appearing across from mine
and that it is that of my agent named herein, my niece,
XXXXXXXXXXXXXXX so that anyone relying upon her authority to act as
my attorney-in-fact may compare her signature to the one below.

XXXXXXXXXX XXXXXXXXXXXXXX

STATE OF NEW JERSEY

SS:
COUNTY OF GLOUCESTER
I, the undersigned authority, do hereby certify that on
, 2009, XXXXXXXXXXXXXX AND XXXXXXXXXXXXXX personally
came before me and to me known to be the person(s) described in and
who signed this instrument and acknowledged, under oath, that they:
(a) signed, sealed and delivered this Power of Attorney as the
individual act and deed of each of them;
(b) executed it for the purposes set forth therein;
(c) did all of the foregoing with full knowledge of the significance
thereof and of their own free will and consent.

DALE H. LUNDQUIST,
ESQUIRE
ATTORNEY AT LAW OF NEW
JERSEY

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