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                                                                   EXHIBIT 10.5


                       WEST POINTE BANK AND TRUST COMPANY
                      SUPPLEMENTAL LIFE INSURANCE AGREEMENT

         THIS SUPPLEMENTAL LIFE INSURANCE AGREEMENT (the "Agreement") is adopted
this 30th day of December, 2005, by and between WEST POINTE BANK AND TRUST
COMPANY, a state-chartered commercial bank located in Belleville, Illinois (the
"Company"), and KORY A. KUNZE (the "Executive").

         The purpose of this Agreement is to retain and reward the Executive, by
dividing the death proceeds of certain life insurance policies which are owned
by the Company on the life of the Executive with the designated beneficiary of
the Executive. The Company will pay the life insurance premiums from its general
assets.

                                    ARTICLE 1
                                   DEFINITIONS

         Whenever used in this Agreement, the following terms shall have the
meanings specified:

1.1      "Beneficiary" means each designated person, or the estate of the
         deceased Executive, entitled to benefits, if any, upon the death of the
         Executive.

1.2      "Beneficiary Designation Form" means the form established from time to
         time by the Plan Administrator that the Executive completes, signs, and
         returns to the Plan Administrator to designate one or more
         Beneficiaries.

1.3      "Board" means the Board of Directors of the Company as from time to
         time constituted.


1.4      "Change in Control" means a change in the ownership or effective
         control of the Company, or in the ownership of a substantial portion of
         the assets of the Company, as such change is defined in Section 409A of
         the Code and regulations thereunder.

1.5      "Code" means the Internal Revenue Code of 1986, as amended.


1.6      "Company's Interest" means the benefit set forth in Section 2.1.

1.7      "Executive's Interest" means the benefit set forth in Section 2.2.

1.8      "Insurer" means the insurance company issuing the Policy on the life of
         the Executive.

1.9      "Net Death Proceeds" means the total death proceeds of the Policy minus
         the greater of (i) the cash surrender value or (ii) the aggregate
         premiums paid by the Company.

1.10     "Plan Administrator" means the plan administrator described in
         Article 11.

1.11     "Policy" or "Policies" means the individual insurance policy or
         policies adopted by the Company for purposes of insuring the
         Executive's life under this Agreement.

1.12     "Separation from Service" means that the Executive's service, as an
         employee and independent contractor, to the Company and any member of a
         controlled group as defined

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                                                                    EXHIBIT 10.5


         in Section 414 of the Code to which the Company belongs, has
         terminated for any reason, other than by reason of a leave of absence
         approved by the Company or the death of the Executive.

1.13     "Vested Insurance Benefit" means the Company will provide the Executive
         with continued insurance coverage from the date of vesting until death,
         subject to the forfeiture provisions detailed in Section 3.2. Article 3
         explains how the Executive achieves vested status.

                                    ARTICLE 2
                           POLICY OWNERSHIP/INTERESTS

2.1      Company's Interest. The Company shall own the Policies and shall have
         the right to exercise all incidents of ownership and, subject to
         Article 4, the Company may terminate a Policy without the consent of
         the Executive. The Company shall be the beneficiary of the remaining
         death proceeds of the Policies after the Executive's Interest is
         determined according to Section 2.2 below.

2.2      Executive's Interest. The Executive, or the Executive's assignee, shall
         have the right to designate the Beneficiary of an amount of death
         proceeds as specified in Section 2.2.1 or 2.2.2. The Executive shall
         also have the right to elect and change settlement options with respect
         to the Executive's Interest by providing written notice to the Company
         and the Insurer.

         2.2.1    Death Prior to Separation from Service. If the Executive dies
                  while employed by the Company, the Executive's Beneficiary
                  shall be entitled to a benefit equal to one hundred fifty
                  thousand dollars ($150,000), provided that such benefit shall
                  not exceed the Net Death Proceeds.

         2.2.2    Death After Separation from Service. If, pursuant to Article
                  3, the Executive has a Vested Insurance Benefit at the date of
                  death, the Executive's Beneficiary shall be entitled to a
                  benefit equal to one hundred fifty thousand dollars
                  ($150,000), provided that such amount shall not exceed the Net
                  Death Proceeds. If the Executive has not achieved a Vested
                  Insurance Benefit on the date of death, the Beneficiary will
                  not be entitled to a benefit under this Agreement.

                                    ARTICLE 3
                                     VESTING

3.1      Vested Insurance Benefit. The Executive shall have a Vested Insurance
         Benefit equal to the amount specified in Section 2.2 at the earliest of
         the following events:

         3.1.1    Attainment of age sixty five (65) while in the employ of the
                  Company

         3.1.2    A Change of Control while employed by the Company; or

         3.1.3    Adoption, by the Board at its discretion, of a resolution
                  entitling the Executive to the Vested Insurance Benefit in
                  Section 2.2 under circumstances not otherwise addressed in
                  this Section 3.1.


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                                                                    EXHIBIT 10.5


3.2      Forfeiture of Benefit. Notwithstanding the provisions of Section 3.1,
         the Executive will forfeit his or her Vested Insurance Benefit if: (i)
         the Executive vested pursuant to Section 3.1.2 and becomes gainfully
         employed by an entity other than the Company; or (ii) the Executive
         provides written notice to the Company declining further participation
         in the Agreement.

                                    ARTICLE 4
                               COMPARABLE COVERAGE

4.1      Option to Purchase. The Company shall not sell, surrender or transfer
         ownership of the Policy while this Agreement is in effect without first
         giving the Executive or the Executive's transferee the option to
         purchase the Policy by one of the methods specified below for a period
         of sixty (60) days from written notice of such intention. This
         provision shall not impair the right of the Company to terminate this
         Agreement.

         4.1.1    Full Policy Purchase. If the Company elects to terminate the
                  Agreement the Executive or his/her transferee shall have the
                  right to purchase the Policy from the Company. The purchase
                  price shall be an amount equal to the cash surrender value of
                  the Policy. Upon receipt of such purchase price, the Company
                  shall assign ownership of the Policy to the Executive or
                  his/her transferee and relinquish all existing rights to the
                  Policy.

         4.1.2    Net Death Proceeds Purchase. If the Company elects to
                  terminate the Agreement the Executive or his/her transferee
                  shall have the right to purchase the Executive's Interest in
                  the Policy as identified in Section 2.2 above. The Company
                  shall withdraw the Policy's cash surrender value and assign
                  ownership of the Policy to the Executive or his/her
                  transferee. The Executive or his/her transferee shall
                  thereafter assume responsibility for any fees and/or cost of
                  insurance charges (the "Policy Expenses") as necessary to
                  sustain the Policy. If the Executive or his/her transferee
                  incurs Policy Expenses, the Company shall annually reimburse
                  the equal to the annual Policy Expenses divided by one minus
                  the Executive's combined marginal income tax rate for the
                  calendar year immediately preceding such payment. The
                  Company's reimbursement payment shall be made within 30 days
                  following receipt by the Company of evidence of the payment of
                  the Policy Expenses. The Company's obligation to make
                  reimbursement payments will automatically terminate upon the
                  Executive's Separation from Service prior to Normal Retirement
                  Age. If the Executive's Separation from Service occurs at or
                  after Normal Retirement Age, reimbursement payments shall
                  continue until the Executive's death.

4.2      Comparable Coverage. Nothing herein negates the Company's right to
         amend or terminate this Agreement under Article 10. The Company is not
         obligated to provide any additional resources to maintain the Policy in
         full force and effect. In addition, the Company may replace each Policy
         with a comparable insurance policy to cover the benefit provided under
         this Agreement and the Company and the Executive shall execute a new
         Split-Dollar Policy Endorsement for each new Policy. The cash surrender
         value and any additional death proceeds exclusive of those designated
         in Section 2.2 above for each new Policy or any comparable policy shall
         be subject to the claims of the

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                                                                    EXHIBIT 10.5


         Company's creditors. In the event that the Company decides to maintain
         the Policy after the Executive's rights under this Agreement are
         terminated, the Company shall be the direct beneficiary of the entire
         death proceeds of the Policy.

4.3      Change in Control. Upon Separation from Service following a Change in
         Control, the Company shall maintain the Policy in full force and effect
         and in no event shall the Company amend, terminate, or otherwise
         abrogate the Executive's interest in the Policy. However, the Company
         may replace the Policy with a comparable insurance policy to cover the
         benefit provided under this Agreement. The cash surrender value and any
         additional death proceeds exclusive of those designated in Section 2.2
         above for the Policy or any comparable policy shall be subject to the
         claims of the Company's creditors.

                                    ARTICLE 5
                           PREMIUMS AND IMPUTED INCOME

5.1      Premium Payment. The Company shall pay all premiums due on all
         Policies.

5.2      Economic Benefit. The Company shall determine the economic benefit
         attributable to the Executive based on the life insurance premium
         factor for the Executive's age multiplied by the aggregate death
         benefit payable to the Beneficiary. The "life insurance premium factor"
         is the minimum factor applicable under guidance published pursuant to
         Treasury Reg. Section 1.61-22(d)(3)(ii) or any subsequent authority.

5.3      Imputed Income. The Company shall impute the economic benefit to the
         Executive on an annual basis, by adding the economic benefit to the
         Executive's W-2, or if applicable, Form 1099.

                                    ARTICLE 6
                                  BENEFICIARIES

6.1      Beneficiary. The Executive shall have the right, at any time, to
         designate a Beneficiary(ies) to receive any benefits payable under the
         Agreement upon the death of the Executive. The Beneficiary designated
         under this Agreement may be the same as or different from the
         beneficiary designation under any other Agreement of the Company in
         which the Executive participates.

6.2      Beneficiary Designation; Change. The Executive shall designate a
         Beneficiary by completing and signing the Beneficiary Designation Form,
         and delivering it to the Company or its designated agent. The
         Executive's beneficiary designation shall be deemed automatically
         revoked if the Beneficiary predeceases the Executive or if the
         Executive names a spouse as Beneficiary and the marriage is
         subsequently dissolved. The Executive shall have the right to change a
         Beneficiary by completing, signing and otherwise complying with the
         terms of the Beneficiary Designation Form and the Company's rules and
         procedures, as in effect from time to time. Upon the acceptance by the
         Company of a new Beneficiary Designation Form, all Beneficiary
         designations previously filed shall be cancelled. The Company shall be
         entitled to rely on the last Beneficiary Designation Form filed by the
         Executive and accepted by the Company prior to the Executive's death.


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                                                                    EXHIBIT 10.5


6.3      Acknowledgment. No designation or change in designation of a
         Beneficiary shall be effective until received, accepted and
         acknowledged in writing by the Company or its designated agent.

6.4      No Beneficiary Designation. If the Executive dies without a valid
         designation of beneficiary, or if all designated Beneficiaries
         predecease the Executive, then the Executive's surviving spouse shall
         be the designated Beneficiary. If the Executive has no surviving
         spouse, the benefits shall be made payable to the personal
         representative of the Executive's estate.

6.5      Facility of Payment. If the Company determines in its discretion that a
         benefit is to be paid to a minor, to a person declared incompetent, or
         to a person incapable of handling the disposition of that person's
         property, the Company may direct payment of such benefit to the
         guardian, legal representative or person having the care or custody of
         such minor, incompetent person or incapable person. The Company may
         require proof of incompetence, minority or guardianship as it may deem
         appropriate prior to distribution of the benefit. Any payment of a
         benefit shall be a payment for the account of the Executive and the
         Executive's Beneficiary, as the case may be, and shall be a complete
         discharge of any liability under the Agreement for such payment amount.

                                    ARTICLE 7
                                   ASSIGNMENT

         The Executive may irrevocably assign without consideration all of the
Executive's Interest in this Agreement to any person, entity, or trust. In the
event the Executive shall transfer all of the Executive's Interest, then all of
the Executive's Interest in this Agreement shall be vested in the Executive's
transferee, who shall be substituted as a party hereunder, and the Executive
shall have no further interest in this Agreement.

                                    ARTICLE 8
                                     INSURER

         The Insurer shall be bound only by the terms of its given Policy. The
Insurer shall not be bound by or deemed to have notice of the provisions of this
Agreement. The Insurer shall have the right to rely on the Company's
representations with regard to any definitions, interpretations or Policy
interests as specified under this Agreement.

                                    ARTICLE 9
                           CLAIMS AND REVIEW PROCEDURE

9.1      Claims Procedure. The Executive or Beneficiary ("claimant") who has not
         received benefits under the Agreement that he or she believes should be
         paid shall make a claim for such benefits as follows:

         9.1.1    Initiation - Written Claim. The claimant initiates a claim by
                  submitting to the Company a written claim for the benefits.

         9.1.2    Timing of Company Response. The Company shall respond to such
                  claimant

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                                                                    EXHIBIT 10.5


                  within 90 days after receiving the claim. If the Company
                  determines that special circumstances require additional time
                  for processing the claim, the Company can extend the response
                  period by an additional 90 days by notifying the claimant in
                  writing, prior to the end of the initial 90-day period, that
                  an additional period is required. The notice of extension must
                  set forth the special circumstances and the date by which the
                  Company expects to render its decision.

         9.1.3    Notice of Decision. If the Company denies part or all of the
                  claim, the Company shall notify the claimant in writing of
                  such denial. The Company shall write the notification in a
                  manner calculated to be understood by the claimant. The
                  notification shall set forth:

                  (a)  The specific reasons for the denial;

                  (b)  A reference to the specific provisions of the Agreement
                       on which the denial is based;


                  (c)  A description of any additional information or material
                       necessary for the claimant to perfect the claim and an
                       explanation of why it is needed;

                  (d)  An explanation of the Agreement's review procedures and
                       the time limits applicable to such procedures; and

                  (e)  A statement of the claimant's right to bring a civil
                       action under ERISA Section 502(a) following an adverse
                       benefit determination on review.

9.2      Review Procedure. If the Company denies part or all of the claim, the
         claimant shall have the opportunity for a full and fair review by the
         Company of the denial, as follows:

         9.2.1    Initiation - Written Request. To initiate the review, the
                  claimant, within 60 days after receiving the Company's notice
                  of denial, must file with the Company a written request for
                  review.

         9.2.2    Additional Submissions - Information Access. The claimant
                  shall then have the opportunity to submit written comments,
                  documents, records and other information relating to the
                  claim. The Company shall also provide the claimant, upon
                  request and free of charge, reasonable access to, and copies
                  of, all documents, records and other information relevant (as
                  defined in applicable ERISA regulations) to the claimant's
                  claim for benefits.

         9.2.3    Considerations on Review. In considering the review, the
                  Company shall take into account all materials and information
                  the claimant submits relating to the claim, without regard to
                  whether such information was submitted or considered in the
                  initial benefit determination.

         9.2.4    Timing of Company's Response. The Company shall respond in
                  writing to such claimant within 60 days after receiving the
                  request for review. If the Company determines that special
                  circumstances require additional time for processing the
                  claim, the Company can extend the response period by an
                  additional 60 days by notifying the claimant in writing, prior
                  to the end of the initial 60-day period, that an additional
                  period is required. The notice of extension must set forth the
                  special circumstances and the date by which the Company
                  expects to render its decision.


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                                                                    EXHIBIT 10.5



         9.2.5    Notice of Decision. The Company shall notify the claimant in
                  writing of its decision on review. The Company shall write the
                  notification in a manner calculated to be understood by the
                  claimant. The notification shall set forth:

                  (a)  The specific reasons for the denial;

                  (b)  A reference to the specific provisions of the Agreement
                       on which the denial is based;

                  (c)  A statement that the claimant is entitled to receive,
                       upon request and free of charge, reasonable access to,
                       and copies of, all documents, records and other
                       information relevant (as defined in applicable ERISA
                       regulations) to the claimant's claim for benefits; and

                  (d)  A statement of the claimant's right to bring a civil
                       action under ERISA Section 502(a).

                                   ARTICLE 10
                           AMENDMENTS AND TERMINATION

10.1     Non-Vested Insurance Benefit. Unless the Executive has a Vested
         Insurance Benefit pursuant to Section 3.1, the Company may amend or
         terminate this Agreement at any time prior to the Executive's death.
         Such amendment or termination shall be by written notice to the
         Executive. In the event the Company decides to maintain the Policy
         after termination of the Agreement--subject to the provisions of
         Article 4 of this Agreement--the Company shall be the direct
         beneficiary of the entire death proceeds of the Policy.

10.2     Vested Insurance Benefit. If the Executive has a Vested Insurance
         Benefit, the Company may amend or terminate the Agreement only if: (i)
         continuation of the Agreement would cause significant financial harm to
         the Company, (ii) the Executive agrees to such action, or (iii) the
         Company's banking regulator(s) issues a written directive to amend or
         terminate the Agreement.

                                   ARTICLE 11
                                 ADMINISTRATION

11.1     Plan Administrator Duties. This Agreement shall be administered by a
         Plan Administrator which shall consist of the Board, or such committee
         or persons as the Board may choose. The Plan Administrator shall also
         have the discretion and authority to (i) make, amend, interpret and
         enforce all appropriate rules and regulations for the administration of
         this Agreement and (ii) decide or resolve any and all questions
         including interpretations of this Agreement, as may arise in connection
         with this Agreement.

11.2     Agents. In the administration of this Agreement, the Plan Administrator
         may employ agents and delegate to them such administrative duties as it
         sees fit, (including acting through a duly appointed representative),
         and may from time to time consult with counsel who may be counsel to
         the Company.

11.3     Binding Effect of Decisions. The decision or action of the Plan
         Administrator with respect to any question arising out of or in
         connection with the administration, interpretation and application of
         this Agreement and the rules and regulations

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                                                                    EXHIBIT 10.5

         promulgated hereunder shall be final and conclusive and binding upon
         all persons having any interest in this Agreement.

11.4     Indemnity of Plan Administrator. The Company shall indemnify and hold
         harmless the members of the Plan Administrator against any and all
         claims, losses, damages, expenses or liabilities arising from any
         action or failure to act with respect to this Agreement, except in the
         case of willful misconduct by the Plan Administrator or any of its
         members.

11.5     Information. To enable the Plan Administrator to perform its functions,
         the Company shall supply full and timely information to the Plan
         Administrator on all matters relating to the Base Salary of the
         Executive, the date and circumstances of the retirement, Disability,
         death or Separation from Service of the Executive, and such other
         pertinent information as the Plan Administrator may reasonably require.

                                   ARTICLE 12
                                  MISCELLANEOUS

12.1     Binding Effect. This Agreement shall bind the Executive and the
         Company, their beneficiaries, survivors, executors, administrators and
         transferees and any Beneficiary.

12.2     No Guarantee of Employment. This Agreement is not a contract for
         employment. It does not give the Executive the right to remain as an
         employee of the Company, nor does it interfere with the Company's right
         to discharge the Executive. It also does not require the Executive to
         remain an employee nor interfere with the Executive's right to separate
         from service at any time.

12.3     Tax Withholding. The Company shall withhold any taxes that are required
         to be withheld, under Section 409A of the Code and regulations
         thereunder, from the benefits provided under this Agreement. The
         Executive acknowledges that the Company's sole liability regarding
         taxes is to forward any amounts withheld to the appropriate taxing
         authority(ies).

12.4     Applicable Law. The Agreement and all rights hereunder shall be
         governed by the laws of the State of Illinois, except to the extent
         preempted by the laws of the United States of America.

12.5     Reorganization. The Company shall not merge or consolidate into or with
         another bank, or reorganize, or sell substantially all of its assets to
         another bank, firm, or person unless such succeeding or continuing
         bank, firm, or person agrees to assume and discharge the obligations of
         the Company under this Agreement. Upon the occurrence of such event,
         the term "Company" as used in this Agreement shall be deemed to refer
         to the successor or survivor bank.

12.6     Notice. Any notice or filing required or permitted to be given to the
         Company under this Agreement shall be sufficient if in writing and
         hand-delivered, or sent by registered or certified mail, to the address
         below:

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                                                                    EXHIBIT 10.5

                       West Pointe Bank And Trust Company
                              5701 West Main Street
                           Belleville, Illinois 62226

         Such notice shall be deemed given as of the date of delivery or, if
         delivery is made by mail, as of the date shown on the postmark or the
         receipt for registration or certification.


         Any notice or filing required or permitted to be given to the Executive
         under this Agreement shall be sufficient if in writing and
         hand-delivered, or sent by mail, to the last known address of the
         Executive.

12.7     Entire Agreement. This Agreement, along with the Executive's
         Beneficiary Designation Form, constitutes the entire agreement between
         the Company and the Executive as to the subject matter hereof. No
         rights are granted to the Executive under this Agreement other than
         those specifically set forth herein.


       IN WITNESS WHEREOF, the parties have executed this Agreement as of the
date indicated above.

EXECUTIVE:                          WEST POINTE BANK
                                    AND TRUST COMPANY


/s/ Kory A. Kunze                   BY  /s/ Bruce A. Bone
--------------------------------        ---------------------------------------
KORY A. KUNZE                       TITLE: EXECUTIVE VICE PRESIDENT & CFO