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LOAN AGREEMENT <br />between <br />CITY OF RAMSEY, MINNESOTA <br />and <br />PCS BUILDING COMPANY <br />Dated as of 1, 2013 <br />Relating To <br />City of Ramsey, Minnesota <br />Lease Revenue Refunding Bonds <br />(PACT Charter School Project), Series <br />2013A <br />City of Ramsey, Minnesota <br />Taxable Lease Revenue Refunding Bonds <br />(PACT Charter School Project), Series <br />2013B <br />The interests of the City of Ramsey, Minnesota to this Loan Agreement have been <br />assigned (except for amounts payable under Sections 4.2(b), 7.3 and 8.4 hereof) pursuant to the <br />Indenture of Trust, of even date herewith, between the City of Rarnsey, Minnesota and Wells <br />Fargo Bank, National Association (the "Trustee"), and is subject to the security interest of the <br />Trustee. <br />5600 61v1 <br />