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<br />9. TO DEPOSIT MONEYS, WITHDRAW, INVEST, AND OTHERWISE
<br />DEAL WITH TANGIBLE PROPERTY. To deposit any moneys which may come to her
<br />hands as such attorney with any bank or banker in my name, and to withdraw any of such
<br />money or any other money to which I am entitled which now is or shall be so deposited, and
<br />either employ such money as she shall think fit in the payment of any debts, or interest,
<br />payable by me, or taxes, assessments, insurance, and expenses due and payable or to become
<br />due and payable on account of my real and personal estate, or in or about any of the purposes
<br />herein mentioned, or otherwise for my use and benefit, or to invest such money in my name
<br />in any stocks, shares, bonds, securities or other property, real or personal, as she may think
<br />proper, and to receive and give receipts for any income or dividend arising from such
<br />investments, and to vary or dispose of all and any such investments including any United
<br />States Treasury Note or Bond or any United States Series E, EE, H or HH Bond, or other
<br />investments for my use and benefit as she may think fit.
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<br />10. TO VOTE AT STOCKHOLDERS' MEETINGS, EXECUTE PROXIES,
<br />AND OTHERWISE SUBSTITUTE FOR OWNER. To vote at the meetings of
<br />stockholders or other meetings of any corporation or company, or otherwise to act as my
<br />attorney or proxy, with power of substitution, in respect of any stocks, shares, bonds,
<br />debentures, or other evidences of ownership, or securities, now or hereafter held by me and
<br />issued by or on account of said corporation or
<br />company and for that purpose to execute any proxies, limited or general, or other instruments.
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<br />11. TO EXECUTE DEEDS, BILLS, NOTES, AND SIMILAR
<br />INSTRUMENTS. For all or any of the purposes herein stated to enter into and sign, seal,
<br />execute, acknowledge, and deliver any contracts, deeds or other instruments whatsoever, and
<br />to draw, accept, make, endorse, discount, or otherwise deal with any bills of exchange,
<br />checks, promissory notes, or other commercial or mercantile instruments.
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<br />12. TO DEAL WITH RETIREMENT ACCOUNTS. With respect to any
<br />Individual Retirement Account (IRA), KEOGH, SEP, 401k or Qualified Plan, the attorney-
<br />in-fact shall have the power to change distribution elections, accelerate distributions, make
<br />or change investments, and, to the extent permitted by plan documents, change account
<br />custodians, trustees, or other plan administrators.
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<br />13. TO SIGN TAX RETURNS. To sign any and all tax returns on behalf of the
<br />principal and to apply for or demand, enforce recovery of, obtain, or receive any refund in
<br />part or whole of, to compromise the amount of, liability for, or other incidence of, to contest,
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