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132759067v2 <br /> <br /> <br /> S-1 <br /> <br />IN WITNESS WHEREOF, the Issuer and the Borrower have caused this Agreement to <br />be executed in their respective names all as of the date first above written. <br />CITY OF GEM LAKE, MINNESOTA <br />By ____________________________________ <br /> Mayor <br />By ____________________________________ <br /> City Clerk <br />Loan Agreement between the City of Gem Lake, Minnesota and <br />White Bear Montessori School, Inc. <br />