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BOND AND LOAN <br /> MODIFICATION AGREEMENT <br /> among <br /> CASS COUNTY, NORTH DAKOTA <br /> and <br /> YMCA OF CASS AND CLAY COUNTIES <br /> and <br /> BREMER BANK, NATIONAL ASSOCIATION <br /> Dated as of October 1, 2014 <br /> This Instrument Drafted By: <br /> Arntson Stewart Wegner PC <br /> 3101 Broadway North,Suite B <br /> Fargo,North Dakota 58102 <br />