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IN WITNESS WHEREOF, the parties hereto have set their hands as of the day and year <br /> first above written. <br /> THE HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF <br /> WHITE BEAR LAKE <br /> By <br /> It's Executive Director <br /> PARTICIPATING BANK <br /> By <br /> It's <br /> By <br /> It's <br /> 13 <br />