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EXHIBIT 10.21 NORTH COUNTY BANK BUSINESS LOAN AGREEMENT Principal: $1,200,000.00 Loan Date: 10-26-1998 Maturity: 01-01-2004 Loan No: 110882-3133 Call: 520 Collateral: 03-427 Account: 169728 Officer: 179 Initials References in the shaded area are for...