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3 <br />20. Effective Date. This Agreement is effective on the date last executed by one of the Parties <br />below. <br /> <br />IN WITNESSA WHEREOF, the Borrower and Lender, by action of their respective governing <br />bodies, caused this Agreement to be approved. <br /> <br />CITY OF Orono, CITY OF Long Lake, <br />MINNESOTA MINNESOTA <br /> <br />Dated: ______________________________ Dated: ______________________________ <br /> <br /> <br />BY: BY: <br /> Its Mayor Its Mayor <br /> <br /> <br />AND:________________________________ AND: <br /> Its Clerk Its Clerk <br />