KNOW ALL MEN BY THESE PRESENTS that I, CHARLES T. WOLFRAM, a legal resident of the State of New Jersey, hereby make, constitute and appoint MARY A. WOLFRAM, if she survives me and is able and willing to serve, and if he does not survive me or is unable or unwilling to serve, I appoint my son, CHARLES W. WOLFRAM as my true and lawful attorney, to act in, manage and conduct all my estate and all my affairs, and for my use and benefit and as my act and deed, to do and execute and to concur with persons jointly interested with myself therein and the doing or executing of all or any of the following acts, deeds and things, that is to say:

To buy, receive, lease, or accept or otherwise acquire; to sell, convey, mortgage, hypothecate, pledge, quit-claim, or otherwise dispose of or encumber; to contract or agree for the acquisition, disposal of or encumber; any property whatsoever or wheresoever situated (be it real, personal, mixed, tangible or intangible) or any custody, possession, right or interest therein or pertaining theeto, upon such terms as my said attorney shall think proper.

FURTHER, to take, hold, possess, invest, store, deposit, lease or let or otherwise manage any or all of my real, personal, mixed, tangible or intangible property which I now own or shall at any time hereafter acquire, including any interest thereinor pertaining thereto; to eject, remove or relieve (tenants or otherwise) persons from, and recover possession of, the aforementioned property by all lawful means and to maintain, protect, preserve, insure, remove, store, transport, repair, rebuild, modify or improve any such property or any part thereof.

FURTHER, to exercise all powers enumerated in Section 46:2B-10 et seq., of the New Jersey Statutes.

FURTHER, to make, do and transact all and every kind of business of whatsoever kind or nature, including the receipt, recovery, collection, payment, compromise, settlement and adjustment of all accounts, legacies, bequests, interests, dividends, annuities, claims, demands, debts, taxes and obligations which are now, or hereafter may be, due, owing or payable by me or to me.

FURTHER, to make, endorse, accept, receive, sign, seal, execute acknowldge and deliver deeds, assignments, agreements, certificates, hypothecations, checks, notes, bonds, vouchers, receipts, releases and other instruments in writing of whatever kind or nature, as may be necessary, convenient or proper in the exercise of the powers herein contained or as my attorney-in-fact may think fit or be advised; to make deposits or investments in, or withdrawals from, any account, holding or interest which I have now, or may hereafter have, or be entitled to, in any bank, trust, or investment institution, including postal savings depository offices, credit unions, state or federal savings and loan associations, building and loan associations, and similar institutions; and to exercise any right or option or privilege pertaining thereto and to open or establish accounts, holdings or interest of whatever kind or nature, with any such institution, in my name or in my said attorney's name or in both our names jointly, with or without right of survivorship.

FURTHER, to institute, prosecute, defend, compromise, arbitrate and dispose of legal, equitable or administrative hearings, actions, suits attachments, arrests, distresses or other similar proceedings, or otherwise engage in litigation in connection with the exercise of the powers herein contained.

FURTHER, to borrow for me and on my behalf any sum or sums of money on such terms and with such security as my said attorney-in-fact may think fit, and for that purpose to execute all promissory notes, bonds, mortgages, and other instruments which may be necessary or proper.

FURTHER, to engage, employ and dismiss in my name, agents, counsel, employees, clerks and servants, and to appoint and remove at pleasure any substitute for, or agent under my said attorney-in-fact in respect to all or any of the matters or things herein mentioned, or in which I may have an interest.

FURTHER, to act as my arttorney-in-fact or proxy in respect to any stocks, shares, bonds, investments, rights or interest I now have or may be in possession of hereafter; to engage and dismiss agents, counsel, and employees, to appoint and remove at pleasure any subsitute for, or agent of, my said attorney in respect to all of the matters or things herein mentioned upon such terms as my said attorney shall think fit.

FURTHER, to act as my attorney-in-fact or proxy in respect to any such policy of insurance on my life or of any other type and in such capacity to exercise any rights, privileges or options which I may have hereunder or pertaining thereto, EXCLUDING, however, the right to change beneficiaries, the right to change the method of payment of insurance proceeds and the right to make a cash surrender of the policy or policies as distinguished from a surrender of the policy for loan purposes or other such purposes as may be provided herein.

GIVING AND GRANTING unto my said attorney-in-fact full power and authority to do and perform all and every act, deed, matter and thing whatsoever in and about my estate, property and affairs as fully and effectually to all intents and purposes as I might or could do in my own proper person if personally present; the above specifically enumerated pwers being in aid and exemplification of the fulll, complete and general power herein granted and not in limitation or definition thereof; and hereby ratifing all that my said attorney shall lawfully do or cause to be done by virtue of these presents.

GIVING AND GRANTING unto my said attorney-in-fact full power and authority to do and perform all and every act, matter and thing whatsoever that may be necessary or incident to the performance or execution of the powers herein expressly granted as fully and effectually to all intents and purposes as I might or could not in my prson if personally present.

THIS DURABLE POWER OF ATTORNEY shall be effective immediatly upon execution. It shall remain effective regardless of any subsequent incapacity or disability.

IN WITNESS WHEREOF, I have hereunto set my hand and seal this day of May, 1992.

Charles T. Wolfram
Signed sealed and delivered in the presence of:
Joann C. Lowry winess
Rachel M. Fanute----witness


Sunbscribed, sworn to and acknowledged before this by CHARLES T. WOLFRAM this 17 day of May, 1992.
My Commission Expires Aug. 18, 1992.