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IN WITNESS WHEREOF, the Lender has caused this Agreement to be duly executed <br />in its name and behalf and the Borrower has caused this Agreement to be duly executed in its <br />name and behalf as of the date first above written. <br />LENDER: <br />CITY OF RAMSEY <br />By <br />Ryan Heineman <br />Its Mayor <br />By <br />Brian Hagen <br />Its City Administrator <br />6 <br />