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contest real estate taxes, assessments, water charges and sewer rents; to abstain <br />from the payment of real estate taxes, assessments, water charges and sewer rents, <br />repairs, maintenance and upkeep of the same; to abandon property if deemed to be <br />worthless or not of sufficient value to warrant keeping or protecting; to permit <br />property to be lost by tax sale, foreclosure or other proceeding or to convey <br />property for a nominal consideration or without consideration; and to execute, <br />acknowledge and deliver all contracts, deeds, leases, mortgages, notes, security <br />agreements, guarantees, transfers to trusts, bills of sale, assignments, extensions, <br />satisfactions, releases, waivers, consents, and any other agreements, writings and <br />instruments of any nature affecting any real property, as my attorney -in -fact may <br />deem necessary or appropriate; <br />(h) to commence any actions or proceedings for the recovery of any real or <br />personal property or for any other purpose; to appear in, answer and defend any <br />actions or proceedings commenced against me; and to prosecute, maintain, <br />appeal, discontinue, compromise, arbitrate, mediate, settle and adjust all actions, <br />proceedings, accounts, dues and demands that now or hereafter may exist, as my <br />attorney -in -fact may deem necessary or appropriate; <br />(i) to create, amend or terminate one or more trusts, partnerships, corporations, <br />limited liability companies, co- tenancies or any other form of ownership or entity <br />for the purpose of dealing with any property or property interest of any nature that <br />I may have or hereafter acquire, under such terms and with such provisions as my <br />attorney -in -fact may deem necessary or appropriate; to transfer any or all property <br />in which I have an interest into any trusts, partnerships, corporations, limited <br />liability companies, co- tenancies or other entities, whether created by me or my <br />attorney -in -fact or otherwise (and, in this regard, that my attorney -in -fact may be <br />a remainderman, partner, shareholder, member, co- tenant or beneficiary of any <br />such entity shall not affect the validity of any action hereunder, and shall not, by <br />itself, constitute a breach of fiduciary duty); to remove property from any such <br />entity; and to give to any such entity, or to any person acting as agent or trustee <br />under any instrument executed by me or on my behalf, such instructions or <br />authorizations as I may have the right to give; <br />0) to join or become a party to, or to oppose, any reorganization, readjustment, <br />recapitalization, foreclosure, merger, voting trust, dissolution, consolidation or <br />exchange, and to deposit any securities with any committee, depository or trustee, <br />and to pay any fees, expenses and assessments incurred in connection therewith, <br />and to charge the same to principal, and to exercise conversion, subscription or <br />other rights, and to make any necessary payments in connection therewith, or to <br />sell any such privileges; <br />(k) to deal with all matters relating to all forms of insurance and annuities, <br />including the procurement, maintenance and termination thereof; however, <br />notwithstanding the powers given my attorney -in -fact in this and other provisions <br />of this power of attorney, my attorney -in -fact shall have no incidents of <br />3 <br />