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<br />    		KNOW ALL  MEN  BY  THESE  PRESENTS:  					°�  	cn     	o 	Z
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<br />       			That  I,  HERBERT A.  KOCH,  have made,  constituted and appointed,     (�       \
<br />    		and by these presents  do make  constitute and appoint HELEN M.  KOCH,     �       J
<br />    		true  and  lawful  attorney  for  me  and  in  my  name,   place  and  stead,
<br />    		and  on  my  behalf,   to  do  and  execute  all  or  any  of  the  following
<br />    		acts,   deeds  and  things :
<br /> 				l .     To receive debts,  pavments and property.    To ask,  demand,
<br /> 					sue  for,   recover  and  receive  all  sums  of  money,   debts,
<br /> 					dues,   goods,   wares,   merchandise,   chattels,   effects  and
<br /> 					things  of  whatsoever  nature  or description which  now are
<br /> 					or  hereafter  shall  be  or  become  due,   owing,  payable,   or
<br /> 					belonging  to  me  in  or by any right,  title,  ways  or  means
<br /> 					howsoever,    and   upon   receipt   thereof,    or   of   any   part
<br /> 					thereof,     to    make,     sign,     execute    and    deliver    such
<br /> 					receipts,    releases   or   other   discharges   for   the   same
<br /> 					respectively  as  my  said  attorney  shall  deem  advisable.
<br />				2 .     To  settle  accounts.    To  settle  any account  or  reckoning
<br />					whatsoever  I  now  am  or  at  any time  hereafter  shall  be  in
<br /> 					any    wise    interested    or    concerned    with    any    person
<br />					whomsoever,  and  to pay or  receive  the  balance  thereof  as
<br /> 					the  case  may  require .
<br />				3 .    To satisfv securitv interests and mortcraaes.    To receive
<br /> 					every sum of money which now is  or hereafter shall  be  due
<br /> 					or  belonging  to  me  upon  the  security or  by virtue  of  any
<br /> 					security   interest   or   agreement,    or   mortgage,    and   on
<br /> 					receipt  of  the  full  amount  secured  thereby  to  execute  a
<br />					good  and  sufficient  release  or  other  discharge  of  such
<br /> 					security  interest,   or  mortgage  by  deed  or  otherwise.
<br />				4 .    To  compound,  submit  to arbitration,  or otherwise  settle
<br />					or    adiust    differences.	To    compound   with    or   make
<br /> 					allowances  to  any person for or  in respect  to any debt  or
<br />					demand   whatsoever   which  now   is   or   shall   at   any   time
<br />					hereafter become due  and payable  to me,  or by me,  or upon
<br />					my   account,    and   to   take   and   receive,    or   to   pay   and
<br />					discharge    (as   the   case   may   be) ,    any   composition   or
<br />					dividend  thereof  or  thereupon,   and  to  give   or  receive
<br /> 					releases  or other  discharges  for  the  whole  of  such  debts
<br />					or   demands,    or   to   settle,    compromise,    or   submit   to
<br /> 					arbitration  every  such  debt  or  demand  and  every  other
<br />  .      				right,   matter,   and  thing  due  to  or  concerning  me  as  my
<br /> 					attorney shall  think best,  and for that purpose  to enter
<br />																				-  -.�
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