EXHIBIT 24
POWER OF ATTORNEY
STATE OF: Maryland
COUNTY OF: Montgomery
Know all persons by these presents that the undersigned Director of SBM
Certificate Company, a Maryland corporation ("Company"), constitutes and
appoints John J. Lawbaugh as my true and lawful attorney-in-fact and agent,
with full power of substitution, for me, and in my name, place and stead, in
any and all capacities to sign registration statements of the Company on Form
S-1, or any successor form of registration statement of the Securities and
Exchange Commission, filed under the Securities Act of 1933, and any and all
amendments thereto, with all exhibits, instruments, and other documents
necessary or appropriate in connection therewith, and to file them with the
Securities and Exchange Commission or any other regulatory authority as may be
necessary or desirable, hereby ratifying and confirming all that said
attorney-in-fact and agent or his substitute, may lawfully do or cause to be
done by virtue hereof.
/S/NANCY L. HOPKINSON SEPTEMBER 25, 2000
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Nancy L. Hopkinson Date
Director
On this 25th day of September 2000, before me Brian P. Smith, the undersigned
Notary Public, personally appeared Nancy L. Hopkinson, known to me to be the
person whose name is subscribed to the above Power of Attorney, and
acknowledged that s/he executed it.
WITNESS my hand and official seal
/S/BRIAN P. SMITH
----------------------------------------
Notary Public
Montgomery County, MD
My Commission Expires March 10, 2001
<PAGE>
POWER OF ATTORNEY
STATE OF: Maryland
COUNTY OF: Montgomery
Know all persons by these presents that the undersigned Director of SBM
Certificate Company, a Maryland corporation ("Company"), constitutes and
appoints John J. Lawbaugh as my true and lawful attorney-in-fact and agent,
with full power of substitution, for me, and in my name, place and stead, in
any and all capacities to sign registration statements of the Company on Form
S-1, or any successor form of registration statement of the Securities and
Exchange Commission, filed under the Securities Act of 1933, and any and all
amendments thereto, with all exhibits, instruments, and other documents
necessary or appropriate in connection therewith, and to file them with the
Securities and Exchange Commission or any other regulatory authority as may be
necessary or desirable, hereby ratifying and confirming all that said
attorney-in-fact and agent or his substitute, may lawfully do or cause to be
done by virtue hereof.
/S/KUMAR BARVE AUGUST 29, 2000
------------------- ---------------
Kumar Barve Date
Director
On this 29th day of August 2000, before me Brian P. Smith , the undersigned
Notary Public, personally appeared Kumar Barve, known to me to be the person
whose name is subscribed to the above Power of Attorney, and acknowledged that
s/he executed it.
WITNESS my hand and official seal
/S/BRIAN P. SMITH
----------------------------------------
Notary Public
Montgomery County, MD
My Commission Expires March 10, 2001
<PAGE>
POWER OF ATTORNEY
STATE OF: Maryland
COUNTY OF: Montgomery
Know all persons by these presents that the undersigned Director of SBM
Certificate Company, a Maryland corporation ("Company"), constitutes and
appoints John J. Lawbaugh as my true and lawful attorney-in-fact and agent,
with full power of substitution, for me, and in my name, place and stead, in
any and all capacities to sign registration statements of the Company on Form
S-1, or any successor form of registration statement of the Securities and
Exchange Commission, filed under the Securities Act of 1933, and any and all
amendments thereto, with all exhibits, instruments, and other documents
necessary or appropriate in connection therewith, and to file them with the
Securities and Exchange Commission or any other regulatory authority as may be
necessary or desirable, hereby ratifying and confirming all that said
attorney-in-fact and agent or his substitute, may lawfully do or cause to be
done by virtue hereof.
/S/BRIAN P. MURPHY AUGUST 29, 2000
------------------ ---------------
Brian P. Murphy Date
Director
On this 29th day of August 2000, before me Brian P. Smith, the undersigned
Notary Public, personally appeared Brian P. Murphy, known to me to be the
person whose name is subscribed to the above Power of Attorney, and
acknowledged that s/he executed it.
WITNESS my hand and official seal
/S/BRIAN P. SMITH
----------------------------------------
Notary Public
Montgomery County, MD
My Commission Expires March 10, 2001
<PAGE>
POWER OF ATTORNEY
STATE OF: Maryland
COUNTY OF: Montgomery
Know all persons by these presents that the undersigned Director of SBM
Certificate Company, a Maryland corporation ("Company"), constitutes and
appoints John J. Lawbaugh as my true and lawful attorney-in-fact and agent,
with full power of substitution, for me, and in my name, place and stead, in
any and all capacities to sign registration statements of the Company on Form
S-1, or any successor form of registration statement of the Securities and
Exchange Commission, filed under the Securities Act of 1933, and any and all
amendments thereto, with all exhibits, instruments, and other documents
necessary or appropriate in connection therewith, and to file them with the
Securities and Exchange Commission or any other regulatory authority as may be
necessary or desirable, hereby ratifying and confirming all that said
attorney-in-fact and agent or his substitute, may lawfully do or cause to be
done by virtue hereof.
/s/IRALENE G. BARNES AUGUST 29, 2000
-------------------- ---------------
Iralene G. Barnes Date
Director
On this 29th day of August 2000, before me Brian P. Smith, the undersigned
Notary Public, personally appeared Iralene G. Barnes, known to me to be the
person whose name is subscribed to the above Power of Attorney, and
acknowledged that s/he executed it.
WITNESS my hand and official seal
/S/BRIAN P. SMITH
----------------------------------------
Notary Public
Montgomery County, MD
My Commission Expires March 10, 2001
<PAGE>
POWER OF ATTORNEY
STATE OF: Maryland
COUNTY OF: Montgomery
Know all persons by these presents that the undersigned Director of SBM
Certificate Company, a Maryland corporation ("Company"), constitutes and
appoints John J. Lawbaugh as my true and lawful attorney-in-fact and agent,
with full power of substitution, for me, and in my name, place and stead, in
any and all capacities to sign registration statements of the Company on Form
S-1, or any successor form of registration statement of the Securities and
Exchange Commission, filed under the Securities Act of 1933, and any and all
amendments thereto, with all exhibits, instruments, and other documents
necessary or appropriate in connection therewith, and to file them with the
Securities and Exchange Commission or any other regulatory authority as may be
necessary or desirable, hereby ratifying and confirming all that said
attorney-in-fact and agent or his substitute, may lawfully do or cause to be
done by virtue hereof.
/S/MARIALICE B. WILLIAMS SEPTEMBER 25, 2000
------------------------ ------------------
Marialice B. Williams Date
Director
On this 25th day of September 2000, before me Brian P. Smith, the undersigned
Notary Public, personally appeared Marialice B. Williams, known to me to be
the person whose name is subscribed to the above Power of Attorney, and
acknowledged that s/he executed it.
WITNESS my hand and official seal
/S/BRIAN P. SMITH
----------------------------------------
Notary Public
Montgomery County, MD
My Commission Expires March 10, 2001
