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202206098 mortgage or pledge any property to any lender, including my attorney individually. 5. COLLECTING DEBTS AND HANDLING LITIGATION. To demand, sue for, receive and otherwise take steps to collect or recover all debts, damages and all other property to which I may be entitled or which are or may become due me from any person or organization; to commence, or to defend, and to abandon all legal proceedings in which I am or may hereafter be interested; and to settle any accounts, debts, claims, disputes and matters now existing or which may hereafter arise between me and any other person or organization and to grant any extension of time for the payment or satisfaction thereof on any terms, with or without security. 6. INSURANCE. To continue to carry, purchase, cancel or dispose of fire, casualty, property or income protection, medical, hospital, life, liability or other insurance and to pay any premiums thereon. 7. GIFTS. To make gifts, grants or other transfers without consideration, either outright or in trust, (including the forgiveness of indebtedness) to such persons or organizations as my attorney-in-fact shall select, including gifts to such attorney-in-fact who is either a relative or the spouse of a relative. 8. VOTING OF STOCK. To vote and give proxies to vote stock and other securities in all matters which may come before the shareholders of any organization. 9. TAXES. To appear and represent me in all tax matters. To prepare, sign and file federal, state, or local income, gift, other tax returns of all kinds, claims for refunds, requests for extensions of time, ruling requests, petitions to the Tax Court or other courts regarding tax matters, and any and all other tax related documents including, without limitation, receipts, offers, waivers, consents, closing agreements and any power of attorney form required by the Internal Revenue Service, the State Department of Revenue, or other taxing authority with respect to any tax year as set forth below, to pay taxes due, collect refunds, post bonds, 2