Document:

fin8kexhibit101.htm

     

    EXHIBIT
      10.1

    
      	
              [Chase
                logo] 

            	
              Amendment
                to Amended and Restated Credit
                Agreement

            

    

    

     

    This
      agreement is dated as of May 31, 2007, by and between WesBanco, Inc. (the
      "Borrower") and JPMorgan Chase Bank, N.A. (the "Bank"), and its successors
      and
      assigns. The provisions of this agreement are effective on the date that this
      agreement has been executed by all of the signers and delivered to the Bank
      and
      the Borrower has satisfied all the conditions in Section 6 of this agreement
      (the "Effective Date").

     

    WHEREAS,
      the Borrower and the Bank entered into that certain Amended and
      Restated Credit Agreement dated as of July 12, 2006 (the "Credit Agreement");
      and

     

    WHEREAS,
      the Borrower has requested and the Bank has agreed to amend the Credit
      Agreement as set forth below;

     

    NOW,
      THEREFORE, in mutual consideration of the agreements contained herein
      and for other good and valuable consideration, the parties agree as
      follows:

     

    1.  DEFINED
      TERMS.
Capitalized terms not defined herein shall have the meaning ascribed
      in
      the Credit Agreement.

     

    2.  MODIFICATION
      OF CREDIT
      AGREEMENT. The Credit Agreement is hereby amended as
      follows:

     

    
      	
               

            	
              2.1

            	
              From
                and after the Effective Date, Section 1.2 of the Credit Agreement
                captioned "Facility A (Line of Credit)" is amended and restated to
                read as
                follows:

            

    

     

    
      	
               

            	
              1.2
                Facility A (Line of Credit). The Bank has approved a credit
                facility to the Borrower in the principal sum not to exceed $48,000,000.00
                in the aggregate at any one time outstanding ("Facility A").
                Credit under Facility A shall be repayable as set forth
                in a Line
                of Credit Note executed as of May 31, 2007, together with any renewals,
                modifications, extensions, rearrangements, restatements thereof and
                replacements or substitutions therefor, which is given in renewal,
                increase and modification of the $35,000,000.00 Line of Credit Note
                dated
                July 12, 2006, executed by the Borrower and payable to the order
                of the
                Bank.

            

    

     

    2.2            The
      following definitions are added to Article 2 of the Credit
      Agreement:

     

    
      	
               

            	
              2.25
                "Call Report" means any Report of Condition and Income, Thrift
                Financial Report or any substantially similar report (or replacement
                of
                any such report) submitted by any Obligor or any Obligor’s Subsidiary to a
                Governmental Authority.

            

    

     

    
      	
               

            	
              2.26
                "10-K Report" means any annual report on Form 10-K submitted by
                any Obligor or any Obligor’s Subsidiary to a Governmental Authority,
                including but not limited to the Securities and Exchange Commission,
                along
                with copies of the financial statements contained in such annual
                report
                and any annual report to shareholders of any Obligor or any Obligor’s
                Subsidiary for the fiscal quarter then ended. Any 10-K Report shall
                be
                furnished to the Bank via the EDGAR System and/or the Obligor's or
                the
                Obligor’s Subsidiary's Home Page. If for any reason, the EDGAR System
                and/or the Obligor's or the Obligor’s Subsidiary's Home Page are not
                available to the Bank as is required for making available the 10-K
                Report,
                the Borrower shall then furnish a copy of the 10-K Report to the
                Bank.

            

    

     

    
      	
               

            	
              2.27
                "10-Q Report" means any quarterly report on Form 10-Q submitted
                by any Obligor or any Obligor’s Subsidiary to a Governmental Authority,
                including but not limited to the Securities and Exchange Commission,
                along
                with copies of the financial statements contained in such quarterly
                report
                and any quarterly report to shareholders of any Obligor or any Obligor’s
                Subsidiary for the fiscal quarter then ended. Any 10-Q Report shall
                be
                furnished to the Bank via the EDGAR System and/or the Obligor's or
                the
                Obligor’s Subsidiary's Home Page. If for any reason, the EDGAR System
                and/or the Obligor's or the Obligor’s Subsidiary's Home Page are not
                available to the Bank as is required for making available the 10-Q
                Report,
                the Borrower shall then furnish a copy of the 10-Q Report to the
                Bank.

            

    

     

    
      	
               

            	
              2.28
                "EDGAR System" means the electronic Data Gathering Analysis and
                Retrieval System owned and operated by the United States Securities
                and
                Exchange Commission or any replacement system.

            	
               

            

    

     

                                                 
        2.29   "Home Page" means
      any corporate home page on the World Wide Web accessible through the Internet
      via a universal
      resource locator ("URL"). The 

                                                    Borrower
      shall designate in writing to the Bank the URL 

     

     

     

     

     

                                                    
      identification
      of the Home Page, if any, of each Obligor and each Obligor's Subsidiary required
      to 

                                                   
      submit any 10-K or 10-Q Report. As of the date of this agreement, the Borrower's
      Home Page may be accessed via the URL identified as 

                                                   
      "http://www.wesbanco.com/".

     

    
      	
               

            	
              2.3           From
                and after the Effective Date, the text of the provision in Section
                4.1 of
                the Credit Agreement captioned “Financial Information” is
                amended to replace the

                               language
                now reading “Furnish to Bank in Proper Form (1) the financial statements
                prepared in conformity with GAAP on consolidated and consolidating
                bases
                and 

                              
                the other information described in, and within the times required
                by,
                Exhibit A, Reporting Requirements, Financial Covenants and
                Compliance Certificate attached 

                               hereto
                and incorporated herein by
                reference;”

            

    

     

    with
      the
      following:

     

                                   
      "Furnish to Bank in Proper Form (1) the financial statements prepared in
      conformity with GAAP on a consolidated basis and the other information described
      in, and 

                                   
      within the times required by, Exhibit A, Reporting Requirements,
      Financial Covenants and Compliance Certificate attached hereto and incorporated
      herein by 

                                    
      reference;"

     

    
      	
               

            	
              2.4

            	
              From
                and after the Effective Date, the text of the provision in Section
                5.5 of
                the Credit Agreement captioned "Use of Proceeds"
                is deleted and replaced with "5.5 Reserved." so
                that the provision reads "5.5 Reserved.
                "

            

    

     

    
      	
               

            	
              2.5

            	
              From
                and after the Effective Date, Section 6.6 of the Credit Agreement
                captioned "Facility A (Line of Credit)" is amended and
                restated to read as follows:

            

    

     

    
      	
               

            	
              6.6        
                Regulation U; Business Purpose. Except for the Borrower's
                repurchase of treasury stock that is not retired, none of the proceeds
                of
                any of the Credit Facilities 

                            
                will be used to purchase or carry, directly or indirectly, any margin
                stock or for any other purpose which would make this credit a "purpose
                credit" within the 

                            
                meaning of Federal Reserve Board Regulation U ("Regulation U")
                or not an exempt transaction under Regulation U. All Credit
                Facilities will be used for 

                            
                working capital and general business purposes and for the express
                purposes
                that the Borrower has informed the Bank that it will use the credit.
                None
                of the 

                            
                stock of the Borrower's Subsidiaries is margin stock as defined in
                Regulation U. At the Bank's request, the Borrower will furnish a
                completed
                Federal Reserve 

                            
                Board Form U-1 and, if subject to Regulation U, take such steps and
                execute such other documents and grant such Liens as required by
                the
                Bank.

            

    

     

    
      	
               

            	
              2.6

            	
              From
                and after the Effective Date, Exhibit A to the Credit Agreement is
                amended
                and replaced with the Exhibit A attached hereto and incorporated
                in this
                Agreement by reference for all
                purposes.

            

    

     

    
      	
              3.  

            	
                   
                RATIFICATION. The Borrower ratifies and reaffirms the Credit
                Agreement and the Credit Agreement shall remain in full force and
                effect
                as modified herein.

            

    

     

    
      	
              4.  

            	
                    
                BORROWER REPRESENTATIONS AND WARRANTIES. The Borrower represents
                and warrants that (a) the representations and warranties contained
                in the
                Credit Agreement 

                    
                are true and correct in all material respects as of the date of this
                agreement, (b) no condition, act or event which could constitute
                an event
                of default under the Credit Agreement or 

                    
                any promissory note or credit facility executed in reference to the
                Credit
                Agreement exists, and (c) no condition, event, act or omission has
                occurred, which, with the giving of 

                    
                notice or passage of time, would constitute an event of default under
                the
                Credit Agreement or any promissory note or credit facility executed
                in
                reference to the Credit Agreement.

            

    

     

    
      	
              5.  

            	
                    
                FEES AND EXPENSES. The Borrower agrees to pay all fees and
                out-of-pocket disbursements incurred by the Bank in connection with
                this
                agreement, including legal fees 

                    
                incurred by the Bank in the preparation, consummation, administration
                and
                enforcement of this agreement.

            

    

     

    
      	
              6.  

            	
                    
                EXECUTION AND DELIVERY. This agreement shall become effective
                only after it is fully executed by the Borrower and the Bank and
                the Bank
                has received from the Borrower 

                    
                that certain Line of Credit Note dated as of May 31, 2007, in the
                original
                principal amount of $48,000,000.00 duly executed by the Borrower
                and
                payable to the Bank and any other 

                    
                documents as may be requested by the
                Bank.

            

    

     

    
      	
              7.  

            	
                    
                ACKNOWLEDGEMENTS OF THE BORROWER. The Borrower acknowledges that
                as of the date of this agreement it has no offsets with respect to
                all
                amounts owed by the 

                    
                Borrower to the Bank arising under or related to the Credit Agreement
                on
                or prior to the date of this agreement. The Borrower fully, finally
                and
                forever releases and discharges the 

                    
                Bank and its successors, assigns, directors, officers, employees,
                agents
                and representatives from any and all claims, causes of action, debts
                and
                liabilities, of whatever kind or 

                    
                nature, in law or in equity, of the Borrower, whether now known or
                unknown
                to the Borrower, which may have arisen in connection with the Credit
                Agreement or the actions or 

                    
                omissions of the Bank related to

            

    

    
 

     

    2

    

     

                
      the Credit Agreement on or prior to the date hereof. The Borrower acknowledges
      and agrees that this agreement is limited to the terms outlined above, and
      shall
      not be construed 

                
      as an agreement to change any other terms or provisions of the Credit Agreement.
      This agreement shall not establish a course of dealing or be construed as
      evidence of any 

                
      willingness on the Bank's part to grant other or future agreements, should
      any
      be requested.

     

     

    
      	
               

            	
              8.       
                NOT A NOVATION. This agreement is a modification only and not a
                novation. Except for the above-quoted modification(s), the Credit
                Agreement, any loan agreements, credit 

                        
                agreements, reimbursement agreements, security agreements, mortgages,
                deeds of trust, pledge agreements, assignments, guaranties, instruments
                or
                documents executed in 

                        
                connection with the Credit Agreement, and all the terms and conditions
                thereof, shall be and remain in full force and effect with the changes
                herein deemed to be incorporated 

                        
                 therein. This agreement is to be considered attached to the Credit
                Agreement and made a part thereof. This agreement shall not release
                or
                affect the liability of any guarantor of 

                        
                any promissory note or credit facility executed in reference to the
                Credit
                Agreement or release any owner of collateral granted as security
                for the
                Credit Agreement. The validity, 

                         priority
                and enforceability of the Credit Agreement shall not be impaired
                hereby.
                To the extent that any provision of this agreement conflicts with
                any term
                or condition set forth in 

                        
                the Credit Agreement, or any document executed in conjunction therewith,
                the provisions of this agreement shall supersede and control. The
                Bank
                expressly reserves all rights 

                        
                against all parties to the Credit
                Agreement.

            

    

     

     

                                                 
      Borrower:

     

                                                 
      WesBanco, Inc. 

                                
      

                                                  
      By:  /s/ Robert H.
      Young                                                       
                            

     

                                                  
               Robert H.
      Young                                                                EVP-CFO        

                                                                                        
      Printed
      Name                                                                                                                           
 Title

                                                                                                                                                    
                                                                        

                                                                                                                                      
Date
      Signed:   June 22,
      2007                                                                               

     

     

     

    
                                                                                                                                                                                  
        Bank:

       

                                                                                                                                                                                  
        JPMorgan Chase Bank, N.A.

       

                                                                                                                                                                                  
        By: /s/ Jennifer
        Fitzgerald                                                                                    

       

                                                                                                                                                                                          Jennifer
        Fitzgerald                                                               
                          

                                                                                                                                                                                                                                                                                    
        Printed
        Name                                                                                                                                     
Title

       

                                                                                                                                                                                  
        Date Signed: June 25, 2007

       

     

    Belita
      Garnett \ OH00002000068397

    801731290000

    Modified
      by Middle Market Legal – West\rln

    

 

    3fin8kexhibit102.htm

    
      EXHIBIT
        10.2

      [Chase
        logo]

       

      Line
        of
        Credit Note

       

       

       

       

       

       

       

      $48,000,000.00

      Date:
        May 31, 2007

      Promise
        to Pay.
On or before May 31, 2009, for value received, WesBanco, Inc. (the
        "Borrower") promises to pay to JPMorgan Chase Bank, N.A., whose address is
        120
        S. LaSalle St., Chicago, IL 60603 (the "Bank") or order, in lawful money
        of the
        United States of America, the sum of Forty-Eight Million and 00/1 00 Dollars
        ($48,000,000.00) or such lesser sum as is indicated on Bank records, plus
        interest computed on the basis of the actual number of days elapsed in a
        year of
        360 days at "the Adjusted LIBOR Rate" (the "Note Rate") and at the rate of
        3.00%
        per annum above the Note Rate, at the Bank's option, upon the occurrence
        of any
        default under this Note, whether or not the Bank elects to accelerate the
        maturity of this Note, from the date such increased rate is imposed by the
        Bank.

       

      Definitions. As used in
        this Note, the following terms have the following respective meanings:

       

      "Adjusted
        LIBOR
        Rate" means, with respect to the relevant Interest Period, the sum of
        (i) the Applicable Margin plus (ii) the quotient of (a) the LIBOR Rate
        applicable to such Interest Period, divided by (b) one minus the Reserve
        Requirement (expressed as a decimal) applicable to such Interest Period.

       

      "Applicable Margin" means
        0.90% per annum.

       

      "Business
        Day"
means a day (other than a Saturday or Sunday) on which banks generally
        are open in Illinois and/or New York for the conduct of substantially all
        of
        their commercial lending activities and on which dealings in United States
        dollars are carried on in the London interbank market.

       

      "Interest
        Period" means each consecutive one month period, the first of which
        shall commence on the date of this Note, ending on the day which corresponds
        numerically to such date one (1) month thereafter, provided, however, that
        if
        there is no such numerically corresponding day in such first succeeding month,
        such Interest Period shall end on the last Business Day of such first succeeding
        month. If an Interest Period would otherwise end on a day which is not a
        Business Day, such Interest Period shall end on the next succeeding Business
        Day, provided, however, that if said next succeeding Business Day falls in
        a new
        calendar month, such Interest Period shall end on the immediately preceding
        Business Day.

       

      "LIBOR Rate"
        means with respect to any LIBOR advance for any Interest Period,
        the
        interest rate determined by the Bank by reference to Page 3750 of the Moneyline
        Telerate Service ("MTS") (or on any successor or substitute page of the MTS,
        or
        any successor to or substitute for the MTS, providing rate quotations comparable
        to those currently provided on Page 3750 of the MTS, as determined by the
        Bank
        from time to time for purposes of providing quotations of interest rates
        applicable to dollar deposits in the London interbank market) to be the rate
        at
        approximately 11:00 a.m. London time, two Business Days prior to the
        commencement of the Interest Period for the offering by the Bank's London
        office, of dollar deposits in an amount comparable to such LIBOR advance
        with a
        maturity equal to such Interest Period. If no LIBOR Rate is available to
        the
        Bank, the applicable LIBOR Rate for the relevant Interest Period shall instead
        be the rate determined by the Bank to be the rate at which the Bank offers
        to
        place deposits in U.S. dollars with first-class banks in the London interbank
        market at approximately 11:00 A.M. (London time) two Business Days prior
        to the
        first day of such Interest Period, in the approximate amount of the principal
        amount outstanding on such date and having a maturity equal to such Interest
        Period.

       

      "Reserve Requirement"
means, with respect
        to an Interest Period, the maximum aggregate
        reserve requirement (including all basic, supplemental, marginal and other
        reserves) which is imposed under Regulation D.

       

      "Regulation
        D"
means Regulation D of the Board of Governors of the Federal Reserve
        System as from time to time in effect and any successor thereto or other
        regulation or official interpretation of said Board of Governors relating
        to
        reserve requirements applicable to member banks of the Federal Reserve
        System.

       

      If any applicable
        domestic or foreign law, treaty, rule or regulation now or later in effect
        (whether or not it now applies to the Bank) or the interpretation or
        administration thereof by a governmental authority charged with such
        interpretation or administration, or compliance by the Bank with any guideline,
        request or directive of such an authority (whether or not having the force
        of
        law), shall make it unlawful or impossible for the Bank to maintain or fund
        the
        advances evidenced by this Note, then, upon notice to the Borrower by the
        Bank,
        the outstanding principal amount, together with accrued interest and any
        other
        amounts payable to the Bank under this Note or the Related Documents shall
        be
        repaid (a) immediately upon the Bank's demand if such change or compliance
        with
        such requests, in the Bank's judgment, requires immediate repayment, or (b)
        at
        the expiration of the last Interest Period to expire before the effective
        date
        of any such change or request.

       

       

       

       

       

       

       

    

    
      If the Bank determines
        that quotations of interest rates for the relevant deposits referred to in
        the
        definition of Adjusted LIBOR Rate are not being provided in the relevant
        amounts
        or for the relevant maturities for purposes of determining the interest rate
        as
        provided in this Note, then the Bank shall forthwith give notice of such
        circumstances to the Borrower, whereupon (i) the obligation of the Bank to
        make
        advances evidenced by this Note shall be suspended until the Bank notifies
        the
        Borrower that the circumstances giving rise to the suspension no longer exists,
        and (ii) the Borrower shall repay in full the then outstanding principal
        amount
        of each advance evidenced by this Note, together with accrued interest, on
        the
        last day of the then current Interest Period.

       

      In no event shall
        the
        interest rate exceed the maximum rate allowed by law. Any interest payment
        that
        would for any reason be unlawful under applicable law shall be applied to
        principal.

       

      Interest will be
        computed on unpaid principal balance from the date of each borrowing.

       

      Until maturity, the
        Borrower will pay consecutive quarterly installments of interest only commencing
        July 31, 2007.

       

      The Borrower shall
        make
        all payments on this Note and the other Related Documents, without setoff,
        deduction, or counterclaim, to theBank at the Bank's address above or at
        such
        other place as the Bank may designate in writing. If any payment of principal
        or
        interest on this Note shall become due on a day that is not a Business Day,
        the
        payment will be made on the next succeeding Business Day. In addition, the
        Borrower will make those additional payments required by the Credit Agreement.
        The term "Business Day" in this Note means a day other than a Saturday, Sunday
        or any other day on which national banking associations are authorized to
        be
        closed. Paymentsshall be allocated among principal, interest and fees at
        the
        discretion of the Bank unless otherwise agreed or required by applicable
        law.Acceptance by the Bank of any payment that is less than the payment due
        at
        that time shall not constitute a waiver of the Bank's right to receive payment
        in full at that time or any other time.

       

      Authorization
        for Direct Payments (ACH Debits). To effectuate any payment due under
        this Note, the Borrower hereby authorizes the Bank to initiate debit entries
        to
        Account Number 707505566 at the Bank and to debit the same to such account.
        This
        authorization to initiate debit entries shall remain in full force and effect
        until the Bank has received written notification of its termination in such
        time
        and in such manner as to afford the Bank a reasonable opportunity to act
        on it.
        The Borrower represents that the Borrower is and will be the owner of all
        funds
        in such account. The Borrower acknowledges (1) that such debit entries may
        cause
        an overdraft of such account which may result in the Bank’s refusal to honor
        items drawn on such account until adequate deposits are made to such account;
        (2) that the Bank is under no duty or obligation to initiate any debit entry
        for
        any purpose; and (3) that if a debit is not made because the above-referenced
        account does not have a sufficient available balance, or otherwise, the payment
        may be late or past due.

       

      Purpose
        of
        Loan. The Borrower acknowledges and agrees that this Note evidences a
        loan for a business, commercial, agricultural or similar commercial enterprise
        purpose, and that all advances made under this Note shall not be used for
        any
        personal, family or household purpose. The proceeds of the loan shall be
        used
        for the Borrower's general corporate purposes and to repurchase shares of
        the
        Borrower's stock. Before requesting any Advance that will be used to repurchase
        shares of the Borrower's stock, the Borrower shall(1) promptly inform the
        Bank
        in writing of (A) whether or not the shares of stock will be immediately
        retired
        and (B) the value of suchshares of stock and (2) if the stock is not immediately
        retired, furnish to the Bank a completed Federal Reserve Board Form U-1 and
        take
        such steps and execute such other documents as required by the Bank to comply
        with Federal Reserve Board Regulation U.

       

      Credit
        Facility. The Bank has approved a credit facility to the Borrower in a
        principal amount not to exceed the face amount of this Note. The credit facility
        is in the form of advances made from time to time by the Bank to the Borrower.
        This Note evidences the Borrower's obligation to repay those advances. The
        aggregate principal amount of debt evidenced by this Note is the amount
        reflected from time to time in the records of the Bank. Until the earliest
        of
        maturity, the occurrence of any default, or the occurrence of any event that
        would constitute a default but for the giving of notice or the lapse of time
        or
        both until the end of any grace or cure period, the Borrower may borrow,
        pay
        down and reborrow under this Note subject to the terms of the Related
        Documents.

       

      Credit
        Agreement. This Note is issued pursuant and entitled to the benefits of
        that certain Amended and Restated Credit Agreement by and between the Borrower
        and the Bank, dated as of July 12, 2006 (as amended, modified, restated,
        and
        replaced from time to time, the "Credit Agreement"), as amended by that certain
        Amendment to Amended and Restated Credit Agreement dated as of May 31, 2007,
        to
        which reference is hereby made for a more complete statement of the terms
        and
        conditions under which the loan evidenced hereby is made and is to be repaid.
        The terms and provisions of the Credit Agreement are hereby incorporated
        and
        made a part hereof by this reference thereto with the same force and effect
        as
        if set forth at length herein. No reference to the Credit Agreement and no
        provisions of this Note or the Credit Agreement shall alter or impair the
        absolute and unconditional obligation of the Borrower to pay the principal
        and
        interest on this Note as herein prescribed. Capitalized terms not otherwise
        defined herein shall have the meanings assigned to such terms in the Credit
        Agreement.

       

      Events of
        Default/Acceleration. If any Event of Default (as defined in the Credit
        Agreement) or any other default or event of default occurs under any of the
        Related Documents, then this Note shall become due immediately, without notice,
        at the Bank's option, and each Borrower hereby waives notice of intent to
        accelerate maturity of this Note and notice of acceleration of this Note
        and may
        exercise any remedies provided by the Credit Agreement.

       

       

       

      2

       

      
 

       

      
 

       

      
        	
                Renewal
                  and Extension. This Note is given in replacement, renewal and/or
                  extension of, but not extinguishing the indebtedness evidenced
                  by, that
                  Line of Credit Note dated July 12, 2006 executed by the Borrower
                  in the
                  original principal amount of Thirty-Five Million and 00/100 Dollars
                  ($35,000,000.00), as modified by that certain Note Modification
                  Agreement
                  dated as of July 14, 2006, which, among other things, changed the
                  maturity
                  date from July 12, 2007 to July 12, 2008 (the "Prior Note" and
                  together
                  with all loan agreements, credit agreements, reimbursement agreements,
                  security agreements, mortgages, deeds of trust, pledge agreements,
                  assignments, guaranties, and any other instrument or document executed
                  in
                  connection with the Prior Note, the "Prior Related Documents"),
                  and is not
                  a novation thereof. All interest evidenced by the Prior Note shall
                  continue to be due and payable until paid. The Borrower fully,
                  finally,
                  and forever releases and discharges the Bank and its successors,
                  assigns,
                  directors, officers, employees, agents, and representatives (each
                  a "Bank
                  Party") from any and all causes of action, claims, debts, demands,
                  and
                  liabilities, of whatever kind or nature, in law or equity, of the
                  Borrower, whether now known or unknown to the Borrower (i) in respect
                  of
                  the loan evidenced by the Prior Note and the Prior Related Documents,
                  or
                  of the actions or omissions of any Bank Party in any manner related
                  to the
                  loan evidenced by the Prior Note or the Prior Related Documents
                  and (ii)
                  arising from events occurring prior to the date of this Note. If
                  applicable, all Collateral continues to secure the payment of this
                  Note
                  and the Liabilities. The provisions of this Note are effective
                  on the date
                  that this Note has been executed by all of the signers and delivered
                  to
                  the Bank.

                 

                Miscellaneous.
This
                  Note binds the Borrower
                  and its successors, and benefits the Bank, its successors and assigns.
                  Any
                  reference to the Bank includes any holder of this
                  Note.

              

      

       

      

       

                                                                                                                                                             Borrower:

       

    

    
      Address:  One Bank
        Plaza                                                                                                               
WesBanco, Inc.  

                     
Wheeling, WV
        26003                                                                                                                        

                                                                                                                                                               By:
/s/ Robert H.
        Young           
                                            

       

                                                                                                                                                                      Robert
        H.
        Young                                
EVP-CFO           

                                                                                                                                                                                                                                                                                                                                     
        Printed
        Name                                                                          
                          
Title

       

                                                                                                                                                               Date
        Signed:      June 22,
        2007                      
                       

       

       

       

       

       

      Belita
        Garnett \ OH00002000068397 \ STRM

      801731290000

      Middle
        Market Legal - West\rln

       

      
 

       

       

       

      3

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