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might exercise, and I understand that anything my attorney-in-fact may do in the exercise of such rights and powers is fully binding upon me. 11. Invest the proceeds of any redemptions or sales and any other of my money, in bonds, shares of stock and other securities as my attorney-in-fact shall think fit. 12. Vote at all meetings of stockholders of any company and otherwise act as my attorney-in-fact or proxy with respect to my shares of stock or other securities or investments that now or hereafter belong to me, and appoint substitutes or proxies with respect to any of those shares of stock. 13. Participate with any other person, trust or business entity in a trust or business entity (for example, a corporation, partnership or limited liability company) and shall have and exercise all the powers of management and participation in the management necessary and incidental to a membership in such entity. My attorney-in-fact may at any time participate in the formation of any such entity. My attorney-in-fact shall have the power to make contracts and have dealings with itself as an owner in such entity without there being applied rules prohibiting a fiduciary from contracting or dealing with itself as a fiduciary of other properties. My attorney-in-fact shall never be liable for a decision to invest all or any part of my property in any type of trust or business entity which provides additional protection of my assets or which provides for the convenient management of jointly owned family property (including property held by one or more trusts for members of the family). This will be so even though restrictions on transfer and liquidation may cause the ownership interest to have a fair market value which is less than the fair market value of the assets contributed to the entity. With regard to any contract, agreement, undertaking, covenant or representation, entered into or made by, or on my behalf by my attorney-in-fact, any rights, liabilities or obligations created by virtue of such contract, agreement, undertaking, covenant or representation will be solely the rights, liabilities and obligations of mine. Any such contract, agreement, undertaking, covenant or representation will not bind, or inure to the benefit of, my attorney-in-fact in my attorney-in-fact's personal or individual capacity. 14. Execute on my behalf any tax return and act for me in any examination, audit, hearing, conference or litigation relating to taxes, including authority to file and prosecute refund claims (for any year), and enter into any settlements. 15. Sell, rent, lease for any term, or exchange any real estate or interests in it for such considerations and upon such terms and conditions as my attorney-in-fact may see fit, and execute, acknowledge and deliver all instruments conveying or encumbering title to real property, including the execution and delivery of contracts to sell, options to purchase, grants of easements, or licenses on or over real property, mortgages and conveyances. The powers conferred upon my attorney-in-fact extend to all of my right, title and interest in (i) current or subsequently acquired homestead property and (ii) property in which I may have an interest jointly with any other person, whether in an estate by the entirety, joint tenancy or tenancy in . common. 16. Prosecute, defend and,settle all actions or other legal proceedings touching my estate or any part of it or touching any matter in which I may be concerned in any way. 3.