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<br />on or make withdrawals from and grant security interests in all accounts in my name or with
<br />respect to which I am authorized signatory; to negotiate, endorse, or transfer any checks or other
<br />instruments with respect to any such accounts; and to contract for any services rendered by any
<br />bank or financial institution.
<br />(12) Power with Respect to Safe -Deposit Boxes. My Agent is authorized to contract
<br />with any institution for the maintenance of a safe-deposit box; to have access to all safe-deposit
<br />boxes in my name or with respect to which I am a signatory; to add to and remove from the
<br />contents of any such safe deposit box; and to terminate box leases.
<br />(13) Power with Respect to Legal and Other Actions. My Agent is authorized to
<br />institute, supervise, prosecute, defend, intervene in, abandon, compromise, arbitrate, settle,
<br />dismiss, and appeal from any and all legal, equitable, judicial, or administrative hearings, actions,
<br />suits, proceedings, attachments, arrests, or distresses involving me in any way.
<br />(14) Power to Manage Membership Plans and Accounts. My Agent is authorized to
<br />open, manage, use, transfer, gift, and close on my behalf membership plans and accounts.
<br />(15) Power to Borrow Money. My Agent is authorized to borrow money from any
<br />lender for my account on such terms and conditions and security as my Agent shall deem
<br />appropriate; and to borrow money on any life insurance policies owned by me on my life.
<br />(16) Power to Create, Fund, Amend, and Terminate Trusts. My Agent is authorized
<br />to execute, amend, fund, withdraw, and terminate a revocable trust agreement with such trustee or
<br />trustees as my Agent shall select, which trust shall provide that all income and principal shall be
<br />paid to me, to some person for my benefit, or applied for my benefit in such amounts as I or my
<br />Agent shall request or as the trustee or trustees shall determine, and that on my death any
<br />remaining income and principal shall be paid to my personal representative.
<br />(17) Power to Fund Trusts Created by the Principal. My Agent is authorized to
<br />transfer from time to time and at any time to the trustee or trustees of any revocable trust agreement
<br />created by me before or after the execution of this instrument any and all of my cash, real or
<br />personal property of all kinds, or interests in property.
<br />(18) Power to Withdraw Funds from Trusts. My Agent is authorized to request,
<br />withdraw, and/or receive the income or corpus of any trust over which I may have a right of
<br />withdrawal and to exercise or let lapse any power of withdrawal.
<br />(19) Power to Renounce and Resign from Fiduciary Positions. My Agent is
<br />authorized to renounce any fiduciary position to which I have been or may be appointed or elected,
<br />and any office or position to which I have been or may be elected or appointed; to resign any such
<br />positions; to file an accounting with a court of competent jurisdiction or settle on an informal
<br />method as my Agent shall deem appropriate.
<br />(20) Power to Disclaim, Renounce, Release, or Abandon Property Interests. My
<br />Agent is authorized to renounce, disclaim, release, or abandon any property or interest in property
<br />Durable Power of Attomey for Janice S. Nikodym Page 3
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