Power of Attorney

Power of Attorney Document

I, as principal, appoint, , who has signed below, as my agent (attorney-in-fact). My agent may take all actions that I could with respect to all my accounts held at Star One Credit Union ("Credit Union") covered by this power of attorney, including:

1. Sign checks and make withdrawals, transfer and other transactions.
2. Endorse and cash or deposit checks or other items payable to me or otherwise.
3. Receive Credit Union statements, vouchers, notices and other documents and act with respect to them.
4. Change the ownership of account(s) including joint tenancy account(s) and designate or change account beneficiaries (including designating the agent as such).
5. Close account(s).
6. Open, in addition to the account(s) listed below, other account(s) including joint tenancy account(s) in my name alone, or together with my agent, or in my agent's name alone.
7. Contract for such services as may be available from the Credit Union, from time to time, as the agent considers desirable.
8. Transact all forms of business and transactions as described above on my accounts held by me in trust as a trustee of a trust.
9. Transact all forms of business and transactions as described above on my retirement accounts including select benefit or payment options, designate beneficiaries or change existing designations, make voluntary contributions, exercise the investment powers available, make rollovers of plan benefits into other retirement planning, make withdrawals and withholding elections.
10. Transact all forms of business and transactions on loan accounts except for loans secured by real property.
11. Transact business using a debit card issued in the agent's name.

All my account(s) at the Credit Union are covered by this power of attorney.

This power of attorney is limited to accounts at Star One Credit Union, and will remain in effect until the Credit Union receives actual notice of my death, the account(s) is(are) closed or the Credit Union receives from me written revocation of this power of attorney and has provided me with a written acknowledgment of such revocation. If the account(s) is(are) held in more than one name, I may exercise my rights to authorize my agent to act on any such accounts without the consent of the other account holder(s). The principal and agent(s), jointly and severally, agree to indemnify the Credit Union and each of its officers, directors, employees and agents from, and to hold such persons harmless against any claims, judgments, surcharges, settlement amounts, or other liabilities or costs arising out of or relating to the actual or alleged improper actions taken by the Credit Union at the direction of the agent. The power of attorney will be governed by the law of the state of California.

THIS POWER OF ATTORNEY SHALL NOT BE AFFECTED BY MY SUBSEQUENT INCAPACITY.

INSTRUCTIONS FOR EXECUTION: This power of attorney must be dated and the principal's signing must be witnessed by two (2) witnesses, who must be adults, neither of whom may be the agent, who must also sign the document or the signature must be notarized. The agent must sign both below and on the reverse side of this power of attorney.

BEFORE SIGNING, PLEASE READ NOTICE TO PERSON EXECUTING DURABLE POWER OF ATTORNEY

Signature

Principal

Witnesses: By signing below, I certify I am 18 years of age or older, I am not the attorney-in-fact and that I saw the Principal sign the power of attorney or the Principal acknowledged to me the signature of the Principal or the power of attorney.

Witness #1

Witness #2

Notary Acknowledgment

On __________________________before me, __________________________(insert name and title of the officer), personally appeared ______________________________ who proved to me on the basis of satisfactory evidence to be the person (s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument.

I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct.

WITNESS my hand and official seal.

Revocation - I revoke the authorization above

Before signing this Power of Attorney - read this important notice

Notice to Person Executing Durable Power of Attorney

A durable power of attorney is an important legal document. By signing the durable power of attorney, you are authorizing another person to act for you, the principal. Before you sign this durable power of attorney, you should know these important facts: Your agent (attorney-in-fact) has no duty to act unless you and your agent agree otherwise in writing.

This document gives your agent the powers to manage, dispose of, sell, and convey your real and personal property, and to use your property as security if your agent borrows money on your behalf. This document does not give your agent the power to accept or receive any of your property, in trust or otherwise, as a gift, unless you specifically authorize the agent to accept or receive a gift.

Your agent will have the right to receive reasonable payment for services provided under this durable power of attorney unless you provide otherwise in this power of attorney. The powers you give your agent will continue to exist for your entire lifetime unless you otherwise terminate the durable power of attorney. The powers you give your agent in this durable power of attorney will continue to exist even if you can no longer make your own decisions respecting the management of your property.

You can amend or change this durable power of attorney only by executing a new durable power of attorney or by executing an amendment through the same formalities as an original. You have the right to revoke or terminate this durable power of attorney at any time, so long as you are competent.

This durable power of attorney must be dated and must be acknowledged before a notary public or signed by two witnesses. If it is signed by two witnesses, they must witness either (1) the signing of the power of attorney or (2) the principal's signing or acknowledgment of his or her signature. A durable power of attorney that may affect real property should be acknowledged before a notary public so that it may easily be recorded. You should read this durable power of attorney carefully. When effective, this durable power of attorney will give your agent the right to deal with property that you now have or might acquire in the future.

The durable power of attorney is important to you. If you do not understand the durable power of attorney, or any provision of it, then you should obtain the assistance of an attorney or other qualified person.

Notice to person accepting the appointment of attorney-in-fact

By acting or agreeing to act as the agent (attorney-in-fact) under this power of attorney you assume the fiduciary and other legal responsibilities of an agent. These responsibilities include:

1. The legal duty to act solely in the interest of the principal and to avoid conflicts of interest.
2. The legal duty to keep the principal's property separate and distinct from any other property owned or controlled by you.

You may not transfer the principal's property to yourself without full and adequate consideration or accept a gift of the principal's property unless this power of attorney specifically authorizes you to transfer property to yourself or accept a gift of the principal's property. If you transfer the principal's property to yourself without specific authorization in the power of attorney, you may be prosecuted for fraud and/or embezzlement. If the principal is 65 years of age or older at the time that the property is transferred to you without authority, you may also be prosecuted for elder abuse under Penal Code Section 368. In addition to criminal prosecution, you may also be sued in civil court.

I have read the foregoing notice and I understand the legal and fiduciary duties that I assume by acting or agreeing to act as the agent (attorney-in-fact) under the terms of this power of attorney.

The agent must sign for the power of attorney to be effective.