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meSIM ' POWER OF ATTORNEY Seaboard Surety Company United States Fidelity and Guaranty Company St. Paul Fire and Marine Insurance Company Fidelity and Guaranty Insurance Company St. Paul Guardian Insurance Company Fidelity and Guaranty Insurance Underwriters, Inc. St. Paul Mercury Insurance Company Power of Attorney No. 22821 Certificate No. 1352882 KNOW ALL MEN BY THESE PRESENTS : That Seaboard Surety Company is a corporation duly organized under the laws of the State of New York, and that St . Paul Fire and Marine Insurance Company, St. Paul Guardian Insurance Company and St. Paul Mercury Insurance Company are corporations duly organized under the laws of the State of Minnesota, and that United States Fidelity and Guaranty Company is a corporation duly organized under the laws of the State of Maryland, and that Fidelity and Guaranty Insurance Company is a corporation duly organized under the laws of the State of Iowa, and that Fidelity and Guaranty Insurance Underwriters. Inc . is a corporation duly organized under the laws of the State of Wisconsin (herein collectively called the " Companies "), and that the Companies do hereby make, constitute and appoint Wallace N . Hyde and Karen K. Beard of the City of Asheville State North Carolina their true and lawful Attorney(s)-in -Fact, each in their separate capacity if more than one is named above, to sign its name as surety to, and to execute, seal and acknowledge any and all honds, undertakings, contracts and other written instruments in the nature thereof on behalf of the Companies in their business of guaranteeing the fidelity of perso: ts guaranteeing the performance of contracts and executing or guaranteeing bonds and undertakings required or permitted in any actions or proceedings allowed by law. IN WITNESS WHEREOF, the Companies have caused this instrument to be signed and sealed this 30th day of Octobe. 2001 Seaboard Surety Company United States Fidelity and Guaranty Company St. Paul Fire and Marine Insurance Company Fidelity and Guaranty Insurance Company St. Paul Guardian Insurance Company Fidelity and Guaranty Insurance Underwriters, Inc. St. Paul Mercury Insurance Company ,RSy * �tO11ROR ' ♦ O ! YORRl '. P �P o 'g JOHN F. PHINNEY, Vice President %SEAL � pFr.EW f8 ! ' !S•.Ap�L � ry. ......•�,A 1,� ANt ! 1� (vN.'// State of Maryland City of Baltimore THOMAS E. HUIBREGTSE, Assistant Secretary On this 30th day of October 2001 before me , the undersigned officer, personally appeared John F. Phinney and Thomas E. Huibregtse, who acknowledged themselves to be the Vice President and Assistant Secretary, respectively, of Seaboard Surety Company, St. Paul Fire and Marine Insurance Company, St. Paul Guardian Insurance Company, St. Paul Mercury Insurance Company, United States Fidelity and Guaranty Company, Fidelity and Guaranty Insurance Company, and Fidelity and Guaranty Insurance Underwriters, Inc . ; and that the seals affixed to the foregoing instrument are the corporate seals of said Companies ; and that they, as such , being authorized so to do, executed the foregoing instrument for the purposes therein contained by signing the names of the corporations by themselves as duly authorized officers. ens�r� AA4 ' �/x � �0 In Witness Whereof, I hereunto set my hand and official seal . a pCr4RY y UBVC My Commission expires the 13th day of July, 2002 . ogE C114 o REBECCA EASLEY-ONOKALA, Notary Public 86203 Rev. 7-2000 Printed in U . S . A.