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(h) The undersigned Guarantor has received legal and adequate consideration for the <br />execution of this Guaranty and has executed and delivered this Guaranty to <br />Lender, having legal authority to do so, and in good faith, in exchange for a <br />reasonably equivalent value; <br />(e) <br />The undersigned Guarantor is not presently insolvent and will not be rendered <br />insolvent by virtue of the execution and delivery of this Guaranty; <br />(d) The undersigned Guarantor has not executed or delivered this Guaranty with <br />actual intent to hinder, delay or defraud Guarantor's creditors; <br />(e) <br />Acknowledges that Lender has agreed to make the loan guaranteed herein in <br />reliance upon this Guaranty. <br />THE UNDERSIGNED REPRESENTS, CERTIFIES, WARRANTS AND AGREES <br />THAT THE UNDERSIGNED HAS READ ALL OF THIS GUARANTY AND <br />UNDERSTANDS ALL OF THE PROVISIONS OF THIS GUARANTY. <br />IN WITNESS WHEREOF, the undersigned has hereunto set his hand to be effective the <br />day and year first above written. <br />By: <br />Jess Graba <br />4 <br />51 <br />