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7. To borrow in my name and for my benefit, upon such terms as my agent <br />determines to be necessary, and to pledge or give as security therefore any of <br />my property. <br />8. To institute, prosecute, defend, compromise, arbitrate and settle legal or <br />administrative proceedings, or otherwise engage litigation on my behalf. <br />9. To hire and dismiss agents, counsel and other employees, upon such terms as <br />my agent determines to be appropriate. <br />10. To pay persons and organizations for goods and services provided to me or for <br />my benefit, including reasonable compensation to my agent. If I become <br />disabled or incompetent, my agent shall not be obliged to obtain approval of <br />such payments by any individual or court. I exonerate my agent for payments <br />made in good faith pursuant to this authorization. <br />11. To prepare, execute and file income an other tax returns in all appropriate <br />taxing jurisdictions;'to execute Federal Tax Form 2848 or any power of <br />attorney form required by the Internal Revenue Service or state authority; to <br />exercise any elections I may have under federal, state or local tax law; and <br />generally to represent me in all tax matters and proceedings of all kinds and <br />for all periods before or after the date of this delegation, before all offices and <br />officers of the Internal Revenue Service, state taxing authority, and any other <br />taxing body. <br />12. To have access to any safe deposit box or boxes of which I am an owner; to <br />remove or deposit property of mine; to surrender any such box or boxes; and <br />to rent a safe deposit box or boxes in my name or in the name of my agent, or <br />both. <br />13. To transfer all or any part of property owned by me or in which I have an <br />interest to the trustee of any revocable trust created by me during my lifetime, <br />such that the same is held and becomes a part of the corpus of that trust to be <br />dealt with in accordance with the terms of such trust. <br />14. In all matters involving the expenditure of money greater then $1,000.00, the <br />agent shall first seek my approval by telephone if possible. <br />2