TOR INTERNAL OFFICE US E ONLY Applicable Accouni Ho{$) I II '"Mt, b ^^^4S /N'fc Oi:ffi5-j l^'^'^er td^ AUTHORIZATION OF POWER OF ATTORNEY For Natural/Individual Persons For Brokerage Accounts and/or retirement accounts with DBSI This Authorization/Power of Attorney constitutes a non-durable limited power of attorney, designed to give a person or persons designated by you either fl ) limited authority over your Accountfs) or f2) full authority over your Accountfs) as set forth below. NOTE; UNDER NEW YORK LAW, THE FOLLOWING DISCLOSURE IS REQUIRED TO BE INCLUDED, VERBATIM, IN EVERY POWER OF ATTORNEY. CAUTION TO THE PRINCIPAL: Your Pbwer of Attorney is an important document As the "Principal," you give the person whom you choose (your "agent") authorrty to spend your money and sell or dispose of your property during your lrfetime wrthout telling you. You do not lose your authority to act even though you have given your agent similar authority. When your agent exercises this authority, he or she must act according to any instructions you have provided or, when there are no specific instructtons, in your best interest. "Important Information for the Agent" at the end of this document describes your agent's responsibiirties. Your agent can act on your behalf only after signing the Power of Attorney before a notary public. You can request information from your agent at any time. If you are revoking a prior Power of Attorney by executing this Power of Attomey, you should provide written notice of the revocation to your prior agent(s) and to the financial institutions where your accounts are located. You can revoke or terminate your Power of Attomey at any time for any reason as long as you are of sound mind. If you are no longer of sound mind, a court can remove an agent for acting improperly Your agent cannot make health care decisions for you. You may execute a "Health Care Proxy" to do this. The law governing Powers of Attorney is