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DURABLE POWER OF ATTORNEY <br /> FOR ASSET MANAGEMENT <br /> 0 VERVIEW OF PERTINENT INFORMA TION <br /> AGENT APPOINTED FOR ELVIRA J. CHENKIN <br /> 1. Initial Attorney-in-Fact: ALAN 1. CHENKIN DFC64 SCD 56 P rCM R- 7 <br /> 11. Alternate Agent(s): <br /> If above Agent is unable or refuses to serve for any reason whatsoever,the below named <br /> individuals are nominated to serve as alternate agents, as specified in the document: <br /> JAMES M. CHENKIN j96C6A,56j)1* )4o6.(1sr <br /> GAIL M. NOVAK <br /> 7-10 <br />