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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 FideliW and Guaranty Insurance Underwriters, Inc. St. Paul Mercury Insurance Company Power of Attorney No. 23025 Certificate No. 1085974 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 Fide]dy and Guaranty Company is a corporation duly organized under the laws of the State of Maryland~ and tha~ Fidelity and Guaranty Insurance Company is a corporation duly organized under the laws of the State of Iowa~ and that Fidelity and Guaranly Insurance Underwriters, Inc. is a corporation duly organized under the laws of the State of Wisconsin (herein collectively called the "Companies'9, and Ihat the Companies do hereby make, constitute and appoint David McGarry, Joyce M. Honerlah and Susan L. Varnell San Jose California of the City of , State their tree and lawful Atlorney(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 bonds, undertakings, contracts and other written instruments in the nature thereof on behalf of the Companies in their business of guaranteeing the fidelity of persons, guaranteeing the perfommnce of contracts and execuling 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 2ad day of JallRary 2002 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 ~ ~ On this 2nd day of January , 2002 , before me, the undersigned officer, personally appeared John F. Phinney and la Witness Whereof, 1 hereunto set my hand and official seah O ~'g}"/~ ~ ' r/~J-'~8" 86203 Rev. 7-2000 Printed in U.S.A.