AUTHORIZATION OF POWER OF ATTORNEY

AUTHORIZATION OF POWER OF ATTORNEY inhajAk For Natural/Individual Persons For Brokerage Accounts and/or retirement accounts with OBSI This Authorization/Power of Attorney constitutes a non-durable limited power of attorney, designed to give a person or persons designated by you either (11 limited authority over your Account(s) or (2) full authority over your Account(s) as set forth below. NOTE: UNDER NEW YORK LAW, THE FOLLOWING DISCLOSURE IS REOUIRED TO BE INCLUDED, VERBATIM, IN EVERY POWER OF ATTORNEY. CAUTION TO THE PRINCIPAL: Your Power of Attorney is an important document. As the "Principal," you give the person whom you choose (your "agent") authority to spend your money and sell or dispose of your property duriog your lifetime without 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 n