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|                                                                                                                                               |
|-----------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                               |  |
| If to First Merchants:                                                                                                                        | With a copy to: |
| 200 E. Jackson Street Muncie, IN  47305 Attn:  Brian T. Hunt, Esq. General Counsel FAX:  (765) 741-7283                                       | Bingham Greenebaum Doll LLP 2700 Market Tower 10 West Market Street Indianapolis, Indiana  46204-2982 Attn:  Jeremy E. Hill, Esq. FAX:  (317) 236-9907 |
| If to IALB:                                                                                                                                   | With a copy to: |
| 118 East Ludwig Road Fort Wayne, IN 46825 Attn:  Michael C. Marhenke President and Chief Executive Officer FAX: (260) 627-6522 | Shumaker, Loop & Kendrick LLP 1000 Jackson Street Toledo, OH 43604 Attn:  Martin D. Werner, Esq. FAX: (419) 241-6894 |

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|        |
|--------|
|        |  |
|   | FIRST MERCHANTS CORPORATIONBy:   /s/   Michael C. Rechin       Michael C. Rechin, President    and Chief Executive Officer |
|   | INDEPENDENT ALLIANCE BANKS, INC.By:    /s/   Michael C. Marhenke      Michael C. Marhenke, President    and Chief Executive Officer |
|   |   |

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|                                                                                                                                                                                                                                                                                  |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                                                                                                                                  |  |
| “FMB”                                                                                                                                                                                                                                                                | FIRST MERCHANTS BANK,  an Indiana state commercial bank,By:     /s/ Michael C. Rechin                          Printed:  Michael C. Rechin                            Its:   President and Chief Executive Officer    |
| ATTEST:                                           Secretary/Cashier |   |
| “BANK”                                                                                                                                                                                                                                                               | IAB FINANCIAL BANK, an Indiana state commercial bank,  By:       /s/ Michael C. Marhenke                    Printed:  Michael C. Marhenke                       Its:   President and Chief Executive Officer    |
| ATTEST:                                          Secretary/Cashier       |   |