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200306033 200410661 entity and to obtain duplicates for checks or other instruments which are missing for any reason. 6. To deposit or withdraw from any account or interest of mine in any bank, investment institution, credit union, savings and loan association or similar institution; to open accounts in any such institution in my name, or in the name of my agent. 7. To borrow in my name and for my benefit, upon such terms as my agent determines to be necessary, and to pledge or give as security therefor any of my property. 8. To institute, prosecute, defend, compromise, arbitrate and settle legal or administrative proceedings, or otherwise engage in litigation on my behalf. 9. To hire and dismiss agents, counsel and other employees, upon such terms as my agent determines to be appropriate. 10. To pay persons and organizations for goods and services provided to me or for my benefit, including reasonable compensation to my agent. If I become disabled or incompetent, my agent shall not be obliged to obtain approval of such payments by any individual or court. I exonerate my agent for payments made in good faith pursuant to this authorization. 11. To prepare, execute and file income and other tax returns in all appropriate taxing jurisdictions; to execute Federal Tax Form 2848 or any power of attorney form required by the Internal Revenue Service or state authority; to exercise any elections I may have under federal, state or local tax law; and generally to represent me in all tax matters and proceedings of all kinds and for all periods before or after the date of this delegation, before all offices and officers of the Internal Revenue Service, state taxing authority, and any other taxing body. 12. To have access to any safe deposit box or boxes of whi,.;h i am an owner; to remove or deposit property of mine; to surrender any such box or boxes; and to rent a safe deposit box or boxes in my name or in the name of my agent, or both. 13. To transfer all or any part of property owned by me or in which I have an interest to the trustee of any revocable trust created by me during my lifetime, such that the same is held and becomes a part of the corpus of that trust to be dealt with in accordance with the terms of such trust. 2 Initials It