NEW JERSEY GENERAL FINANCIAL POWER OF ATTORNEY

I 	with an address of:	 	
[insert friar name]

as principal hereunder, do hereby appoint  	
[insert name of HNP friar Agent]

as my true and lawful agent and attorney-in-fact (hereinafter, “Agent”) to act for me in my name, place and stead with respect to all of my business and financial matters of any kind, type or nature, including, by way of example and not limitation, all of the following matters:

(A)	Real property transactions. To purchase, sell, accept, receive, acquire, possess, lease, pledge, mortgage, exchange, maintain, repair, improve, raze, alter, rebuild, manage, insure and in any other way or manner deal with any interest in real property whatsoever, and to enter into contracts and agreements for the foregoing.

(B)	Tangible personal property transactions. To purchase, sell, accept, receive, acquire, possess, lease (as lessor or lessee), pledge, mortgage, exchange, maintain, repair, improve, manage, insure and in any other way or manner deal with any personal property whatsoever, tangible or intangible, or interest therein, and to enter into contracts and agreements for the foregoing.

(C)	Stock and bond transactions. To purchase, sell, exchange, surrender, assign, redeem, vote at any meeting, or otherwise transfer any and all shares of stock, bonds, or other securities in any business, association, corporation, partnership, or other legal entity, whether private or public, now or hereafter belonging to me.

(D)	Banking and other financial institution transactions. To make, receive, sign, endorse, execute, acknowledge, deliver and possess checks, drafts, bills of exchange, letters of credit, notes, stock certificates, withdrawal receipts and deposit instruments relating to accounts or deposits in, or certificates of deposit of banks, savings and loans, credit unions, or other institutions or associations; to pay all sums of money, at any time or times, that may hereafter be owing by me upon any account, bill of exchange, check, draft, purchase, contract, note, or trade acceptance made, executed, endorsed, accepted, and delivered by me or for me (including by my Agent in exercise of the powers hereunder); to borrow from time to time such sums of money as my Agent may deem proper and execute promissory notes, security deeds or agreements, financing statements, or other security instruments in such form as the lender may request and renew said notes and security instruments from time to time in whole or in part; to have free access at any time or times to any safe deposit box or vault to which I might have access. Without limiting the foregoing, my Agent has authority to conduct banking transactions as set forth in section 2 of N.J. P.L.1991, c.95 (C.46:2B-11).

(E)	Business operating transactions. To conduct, engage in, and otherwise transact the affairs of any and all lawful business ventures of whatever nature or kind that I may now or hereafter be involved in; to organize or continue and conduct any business which term includes, without limitation, any farming, manufacturing, service, mining, retailing or other type of business operation in any form, whether as a proprietorship, joint venture, partnership, corporation, trust or other legal entity; to operate, buy, sell, expand, contract, terminate or liquidate any business; to direct, control, supervise, manage or participate in the operation of any business and engage, compensate and discharge business managers,

employees, agents, attorneys, accountants and consultants; and, in general, to exercise all powers with respect to business interests and operations which I could if present and under no disability.

(F)	Insurance and annuity transactions. To exercise or perform any act, power, duty, right, or obligation, in regard to any contract of life, accident, health, disability, liability, or other type of insurance or any combination of insurance; and to procure new or additional contracts of insurance for me and to designate the beneficiary of same; provided, however, that my Agent cannot designate himself as beneficiary of any such insurance contracts.

(G)	Estate, trust, and other beneficiary transactions. To accept, exercise, release, reject, renounce, assign, disclaim, demand, sue for, claim and recover any legacy, bequest, devise, gift or other property interest or payment due or payable to or for me; to assert any interest in and exercise any power over any trust, estate or property subject to fiduciary control; to establish a revocable trust solely for my benefit that terminates at my death and is then distributable to the beneficiaries of my estate; to make gifts of any real and personal property; and, in general, to exercise all powers with respect to estates and trusts which I could exercise if present and under no disability.

(H)	Claims and litigation. To commence, prosecute, discontinue, defend, settle or assign all actions, lawsuits or other legal proceedings touching my real or personal property or any part thereof, or touching any matter in which I or my property, real or personal, may be in any way involved or concerned; to defend, settle, compromise, adjust, make allowances, compound, and submit to arbitration all accounts, reckonings, claims, and demands whatsoever that now are, or hereafter shall be, pending between me and any person or entity.

(I)	Personal and family maintenance. To hire accountants, attorneys at law, consultants, clerks, physicians, nurses, agents, servants, workmen, and others and to remove them, and to appoint others in their place, and to pay and allow the persons so employed such salaries, wages, or other remunerations.

(J)	Benefits from Social Security, Medicare, Medicaid, or other governmental programs, or military service. To prepare, sign and file any claim or application for Social Security, unemployment or military service benefits; to sue for, settle or abandon any claims to any benefit or assistance under any federal, state, local or foreign statute or regulation; to control, deposit to any account, collect, receive, and take title to and hold all benefits under any Social Security, unemployment, military service or other state, federal, local or foreign statute or regulation; and, to, in general, exercise all powers with respect to Social Security, unemployment, military service, and governmental benefits, including but not limited to Medicare and Medicaid, which I could exercise if present and under no disability.

(K)	Retirement plan transactions. To contribute to, withdraw from and deposit funds in any type of retirement plan (which term includes, without limitation, any tax qualified or nonqualified pension, profit sharing, stock bonus, employee savings and other retirement plan, individual retirement account, deferred compensation plan and any other type of employee benefit plan); to select and change payment options for me under any retirement plan; to make rollover contributions from any retirement plan to other retirement plans or individual retirement accounts; to exercise all investment powers available under any type of self-directed retirement plan; and, in general, to exercise all powers with respect to retirement plans and retirement plan account balances which I could if present and under no disability.

(L)	Tax matters. To prepare, make elections, execute and file all tax, social security, unemployment insurance, and informational returns required by the laws of the United States, or of any state or subdivision thereof, or of any foreign government; to prepare, execute and file all other papers and instruments which the Agent shall think to be desirable or necessary for safeguarding of me against excess or illegal taxation or against penalties imposed for claimed violation of any law or other governmental regulation; and to pay, compromise, contest or apply for refunds in connection with any taxes or assessments for which I am or may be liable.

Successor Agent. If my Agent named above shall die, become incompetent, resign or refuse to accept the office of Agent, I name the following individual as successor to such Agent:

Name:  	

Address:  	

Liability of Agent. My Agent shall not be liable for any acts or decisions made in good faith by the Agent in furtherance of the powers set forth in this power of attorney.

Choice of Law. This power of attorney will be governed by the laws of the State of New Jersey without regard for conflicts of laws principles. It was executed in the State of New Jersey and is intended to be valid in all jurisdictions of the United States of America and all foreign nations.

Third-Party Reliance. I agree that any third party who receives a copy of this document may act under it. Revocation of the power of attorney is not effective as to a third party until the third party has knowledge of the revocation.

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SIGNATURE OF PRINCIPAL:

Signed this 	day of 	, 20 	

[Your Signature]

[Your Social Security Number]

CERTIFICATE OF ACKNOWLEDGMENT OF NOTARY PUBLIC

STATE OF NEW JERSEY	)
) SS:
COUNTY OF 		)

On 	, 20 	, before me, Notary Public in and for said county, personally appeared			, personally known to me or satisfactorily proven to be the person whose name is subscribed on the attached document, and who acknowledged that he signed the above document for the purposes set forth therein intending to be bound thereby.

[Notary Seal]:

(Signature of Notarial Officer)

Notary Public for the State of New Jersey

My commission expires: