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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Steve: <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>For what it’s worth, a few of my clients have had success with me simply giving them instructions of what to say to the bank. “I talked to my attorney who said that my DPOA is valid under WA law and section XXX of the DPOA expressly allows me to _____” And, my attorney told me that the bank is required under WA law to honor this DPOA and she gave me a copy of this law, RCW 11.25.200 (with sections 3(a) and (b) highlighted).<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Good luck!<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Margaret<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>--<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Law Office of Margaret Delp<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Mailing address:<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>PO Box 292<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Langley, WA 98260<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Physical Address:<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>2815 Howard Road, Second Floor<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Langley, WA 98260<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Telephone: 360-579-4530<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com> <b>On Behalf Of </b>Diane J. Kiepe<br><b>Sent:</b> Thursday, November 1, 2018 11:08 AM<br><b>To:</b> 'WSBA Probate & Trust Listserv' <wsbapt@lists.wsbarppt.com><br><b>Subject:</b> Re: [WSBAPT] Power of Attorney/Revocable Trust<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Yes!!!</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> </span><o:p></o:p></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma",sans-serif'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma",sans-serif'> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Rob Wilson-Hoss<br><b>Sent:</b> Thursday, November 01, 2018 10:32 AM<br><b>To:</b> 'WSBA Probate & Trust Listserv'<br><b>Subject:</b> Re: [WSBAPT] Power of Attorney/Revocable Trust</span><o:p></o:p></p></div></div><p class=MsoNormal> <o:p></o:p></p><p class=MsoNormal><span style='font-size:14.0pt'>And in the TEDRA ask for reasonable attorney fees against the bank(s).</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:14.0pt'> </span><o:p></o:p></p><div><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.0pt'>Robert D. Wilson-Hoss <br>Hoss & Wilson-Hoss, LLP <br>236 West Birch Street <br>Shelton, WA 98584 <br>360 426-2999</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:14.0pt'><a href="www.hossandwilsonhoss.com">www.hossandwilsonhoss.com</a><br><a href="mailto:rob@hctc.com">rob@hctc.com</a></span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> </span><o:p></o:p></p><p class=MsoNormal style='text-autospace:none'><i><span style='font-size:11.0pt'>This message is intended solely for the use of the addressee and may contain information that is privileged, confidential, and exempt from disclosure under applicable law. If you are not the addressee, you are hereby notified that any use, distribution, or copying of this message is strictly prohibited. If you received this message in error, please notify us by reply e-mail or by telephone (call us collect at the number listed above) and immediately delete this message and any and all of its attachments. Thank you.</span></i><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> </span><o:p></o:p></p><p class=MsoNormal><b><span style='font-size:10.0pt;text-transform:uppercase'>This office does debt collection and this e-mail may be an attempt to collect a debt, Any information obtained will be used for that purpose. </span></b><span style='font-size:10.0pt'>To the extent the Federal Fair Debt Collection Practices Act (15 U.S.C. § 1692) applies this firm is acting as a debt collector for the condominium/homeowners' association named above to collect a debt owed to it. Any information obtained will be used for collection purposes. You have the right to seek advice of legal counsel.</span><o:p></o:p></p></div><p class=MsoNormal><span style='font-size:14.0pt'> </span><o:p></o:p></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma",sans-serif'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma",sans-serif'> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Diane J. Kiepe<br><b>Sent:</b> Thursday, November 01, 2018 10:07 AM<br><b>To:</b> 'WSBA Probate & Trust Listserv'<br><b>Subject:</b> Re: [WSBAPT] Power of Attorney/Revocable Trust</span><o:p></o:p></p></div></div><p class=MsoNormal> <o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Hi Steven,</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>This exact situation is a big reasoning for WA new POA law. Financial institutions can be very difficult to work with. I had one turn down a POA that I did because their institution was not specifically made, an other one turn us down because it wasn’t on their form. In the later case a phone call, with the suggestion that getting a court order and a news story on air shouldn’t be necessary.</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>If the POA is a springing form, and your client did not provide a letter that “triggered” her authority that could be creating problems. That shouldn’t be difficult to get under the circumstances. Also, make sure your client doesn’t speak to someone at the first level, insist on management and if management doesn’t help, ask for their legal counsel’s number.</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Last resort may be a TEDRA action against the institution, who may not appear, getting court order that the POA, if properly effective, be honored.</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>It is definitely an issue that hopefully the new state provides answers to in the form of the Agents Affidavit.</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Best,</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Segoe Script";color:#1F497D'>Diane J. Kiepe</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Diane J. Kiepe, Attorney at Law</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Douglas </span><span style='font-size:11.0pt;color:#1F497D'>•</span><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> Eden</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>717 W. Sprague Ave., Suite 1500</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Spokane, WA 99201</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Phone: (509) 455-5300</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Fax: (509) 455-5348</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><a href="mailto:djkiepe@depdslaw.com">djkiepe@depdslaw.com</a></span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'> </span><o:p></o:p></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma",sans-serif'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma",sans-serif'> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>steve mcconnell<br><b>Sent:</b> Wednesday, October 31, 2018 3:25 PM<br><b>To:</b> <a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a><br><b>Subject:</b> [WSBAPT] Power of Attorney/Revocable Trust</span><o:p></o:p></p></div></div><p class=MsoNormal> <o:p></o:p></p><div><p class=MsoNormal><span style='color:black'>Attorney in fact pursuant to a POA prepared in 2013 pursuant to RCW 11.94 advises that several banking institutions holding accounts in the name of 101 year old principal's revocable living trust will not allow AIF to access those funds to allow her to pay principal's nursing home fees. I do not yet have the banks reasoning (according to client/AIF it is because AIF's name isn't on the account) but will likely speak with them tomorrow. The POA grants AIF broadest powers, including "all powers as an absolute owner" and the power to "exercise the principal's right to distribute property in trust or cause a trustee to distribute property in trust to the extent consistent with the terms of the trust agreement". Revocable trust was created by principal for principal's benefit while living, including the right to the distribution of all principal and income. Any thoughts as to what the bank's arguments might be? This seems fairly straightforward to me so I'm having trouble understanding how multiple banks could be taking this position.</span><o:p></o:p></p></div><div><p class=MsoNormal><span style='color:black'> </span><o:p></o:p></p></div><div><p class=MsoNormal><span style='color:black'>Thanks in advance.</span><o:p></o:p></p></div><div><p class=MsoNormal><span style='color:black'> </span><o:p></o:p></p></div><div id=signature><div><p class=MsoNormal><strong><i><span style='font-size:13.5pt;color:#5133AB'>Steven M. McConnell</span></i></strong><span style='font-family:"Calibri",sans-serif;color:black'><br></span><strong><span style='color:#5133AB'>Attorney at Law</span></strong><span style='font-family:"Calibri",sans-serif;color:black'><br></span><span style='font-size:10.0pt;color:#5133AB'>144 Railroad Ave., Suite 308</span><span style='font-family:"Calibri",sans-serif;color:black'><br></span><span style='font-size:10.0pt;color:#5133AB'>Edmonds, WA 98020-4100</span><span style='font-family:"Calibri",sans-serif;color:black'><br></span><span style='font-size:7.5pt;color:#5133AB'>Tel: (206) 783-0201</span><span style='font-family:"Calibri",sans-serif;color:black'><br></span><span style='font-size:8.0pt;color:#5133AB'>Fax: (206) 789-5199</span><span style='font-family:"Calibri",sans-serif;color:black'><br></span><span style='font-size:7.5pt;color:#5133AB'>Email: </span><span style='color:black'><a href="mailto:smcconnelllaw@hotmail.com" target="_blank"><span style='font-size:7.5pt;color:#5133AB'>smcconnelllaw@hotmail.com</span></a></span><o:p></o:p></p></div></div><div id=DAB4FAD8-2DD7-40BB-A1B8-4E2AA1F9FDF2><p class=MsoNormal style='margin-bottom:12.0pt'> <o:p></o:p></p><div class=MsoNormal align=center style='text-align:center'><hr size=1 width="99%" noshade style='color:#909090' align=center></div><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse'><tr><td style='padding:0in 11.25pt 0in 6.0pt'><p class=MsoNormal><a href="https://www.avg.com/internet-security"><span style='border:solid windowtext 1.0pt;padding:0in;text-decoration:none'><img border=0 width=100 height=100 style='width:1.0416in;height:1.0416in' id="_x0000_i1026" src="cid:image001.jpg@01D471D5.542F3660" alt="Image removed by sender. 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