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LEASE
  
   MIDWEST BANK AND TRUST COMPANY




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INDEX
 ARTICLE I
    
    PREMISESARTICLE II
    
    IMPROVEMENTSARTICLE III
    
    TERMSection 3.1
    
    TermSection 3.2
    
    Option to TerminateSection 3.3
    
    Construction of New PremisesSection 3.4
    
    Lease YearARTICLE IV
    
    RENTARTICLE V
    
    RENTAL ADJUSTMENTSSection 5.1
    
    Tax and Other ChargesA. TaxesB. Common AreaSection 5.2
    
    PaymentsARTICLE VI
    
    USESection 6.1
    
    UseSection 6.2
    
    SuitabilitySection 6.3
    
    Uses ProhibitedARTICLE VII
    
    UTILITIESARTICLE VIII
    
    MAINTENANCE AND REPAIRS; ALTERATIONSAND ADDITIONS; FIXTURESSection 8.1
    
    Maintenance and RepairsA. Repairs by LandlordB. Maintenance by TenantC.
Tenants Failure to MaintainD. Condition Upon Expiration of TermSection 8.2
    
    Alterations and AdditionsA.
Landlords Consent RequiredB. Prior Notice to LandlordC. No LiensARTICLE IX
    
    ENTRY BY LANDLORD
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ARTICLE X
    
    INDEMNITYSection 10.1
    
    IndemnitySection 10.2
    
    Exemption of Landlord from LiabilityARTICLE XI
    
    LIABILITY INSURANCEARTICLE XII
    
    DAMAGE OR DESTRUCTIONARTICLE XIII
    
    CONDEMNATIONARTICLE XIV
    
    ASSIGNMENT AND SUBLEASEARTICLE XV
    
    WAIVER OF SUBROGATIONARTICLE XVI
    
    SUBORDINATION; ATTORNMENT; QUIET ENJOYMENTARTICLE XVII
    
    DEFAULT; REMEDIESSection 17.1
    
    DefaultSection 17.2
    
    RemediesSection 17.3
    
    Default by LandlordARTICLE XVIII
    
    COMMON AREASARTICLE XIX
    
    SIGNSARTICLE XX
    
    HOLDING OVERARTICLE XXI
    
    MISCELLANEOUSSection 21.1
    
    Rules and RegulationsSection 21.2
    
    Transfer of Landlords InterestSection 21.3
    
    Captions; Attachments; Defined TermsSection 21.4
    
    Landlord DefinedSection 21.5
    
    Entire AgreementSection 21.6
    
    SeverabilitySection 21.7
    
    Costs of SuitSection 21.8
    
    TimeSection 21.9
    
    CounterpartsSection 21.10
    
    Binding Effect; Choice of LawSection 21.11
    
    WaiverSection 21.12
    
    Reasonable ConsentSection 21.13
    
    NoticesSection 21.14
    
    Corporate AuthoritySection 21.15
    
    RecordationARTICLE XXII
    
    RE-ZONING PREMIUM




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LEASE
 Midwest Bank and Trust Company
  Premises
   Improvements
   Term
 Term.
 Option to Terminate.




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th
     Redevelopment/Construction of New Premises.
 th
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nd nd
 th
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Lease Year.
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Rent
         Real Estate Taxes and CAM Costs
 Tax and Other Charges.
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A. Taxes.
 th
  B. Common Area.
      Payments.
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Tenant to Perform. th
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Use
 Use.
 Suitability.
 Uses Prohibited.
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et. seq.)
  Utilities
   Maintenance and Repairs;
Alterations and Additions; Fixtures
 Maintenance and Repairs.
 Repairs by Landlord.
 Maintenance by Tenant.
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Tenants Failure to Maintain.
 Condition Upon Expiration of Term.
 Alterations and Additions.
 Landlords Consent Required.
 Prior Notice to Landlord.
 No Liens.
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Entry by Landlord
    Indemnity
 Indemnity.
 Exemption of Landlord from Liability.
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Insurance
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Damage or Destruction
    Condemnation
   Assignment and Sublease
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(a)
    
    an affiliate or subsidiary of Tenant;(b)
    
    Tenants parent corporation;(c)
    
    a subsidiary of Tenants parent corporation; or(d)
    
    an entity that is the successor to Tenant by way of reorganization, merger,
consolidation, sale of assets or a controlling interest in stock;
   Waiver of Subrogation
   Subordination; Attornment; Estoppel; Quiet Enjoyment
 Subordination.
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Quiet Enjoyment.
 Estoppel Certificate.
  Default; Remedies
 Default.
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Remedies.
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Default by Landlord.
  Common Areas
      Signs
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Holding Over
   Miscellaneous
 Rules and Regulations.
 Transfer of Landlords Interest/Successors and Assigns.
  Captions; Attachments; Defined Terms.
 Landlord Defined.
 Entire Agreement.
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Severability.
 Costs of Suit.
 Time.
 Counterparts.
 Binding Effect; Choice of Law.
 Waiver.
 Reasonable Consent.
 Notices.
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If intended for Tenant:
    
    Midwest Bank and Trust Company501 W. North AvenueMelrose Park, Illinois 60160Attn:      Bruno P. CostaExecutive
Vice PresidentFax:       708/865-0644If intended for Landlord:
    
    William C. Moranc/o Moran and Associates1333 N. Kingsbury, Suite 101Chicago, Illinois 60622Fax:      312/787-7428
 Corporate Authority.
 Recordation.
  Re-Zoning Premium
    - 20 -




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Relocation
    - 21 -




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LANDLORD:
    
    TENANT:William C. Moran, individually
and as true and lawful attorney
pursuant to power of attorney granted
by and for those parties named on Rider
attached hereto and made part hereof
    
    Midwest Bank and Trust CompanyBy:
    
    /s/ [ILLEGIBLE]
    
    By:
    
    /s/ Bruno P. CostaIts:
    
    
    
    
    
    Bruno P. CostaExecutive Vice PresidentAddress:
    
    Address:c/o Moran and Associates
    
    501 W. North Avenue1333 N. Kingsbury, Suite 101
    
    Melrose Park, Illinois 60160Chicago, Illinois 60622
    
    Attn:
    
    Bruno P. CostaExecutive Vice PresidentFax: 312/787-7428
    
    Fax:
    
    708/865-0644
 - 22 -