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<br /> <br /> <br />[SIGNATURE PAGE TO SECOND AMENDED AND RESTATED LOAN <br />AGREEMENT] <br />IN WITNESS WHEREOF, the Issuer and the Borrower have caused this Third Amended <br />and Restated Agreement to be duly executed in their respective names by their respective duly <br />authorized officers, all as of the date first above written. <br />CITY OF SOUTH BEND, INDIANA <br /> <br /> <br />/ <br />TULIPTREE ASSOCIATES LLC <br />