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<br />IN WITNESS WHEREOF <br />, the undersigned has caused this Note to be effective as of the <br />day and year first above written. <br /> <br /> <br />STILWELL HOLDINGS, LLC <br />a Minnesota limited liability company <br /> <br /> <br /> <br />By: <br />Michael A. Stilwell <br />Its: Executive Vice President <br /> <br />S-1 <br />473880v2 EL185-39 <br />