Document:

SPECIMEN CERTIFICATE

 Exhibit 4.1 

	
	

 Exhibit 4.1 
 INCORPORATED UNDER THE LAWS OF THE STATE OF MINNESOTA 
 SEE REVERSE SIDE 
 FOR CERTAIN DEFINITIONS 
 CUSIP 83568W 40 6 
 THIS CERTIFIES THAT 
 is the owner of 
 FULLY PAID AND NON-ASSESSABLE COMMON SHARES, $.01 PAR VALUE, OF 
 SONTRA MEDICAL CORPORATION 
 transferable on the books of the Corporation by the holder hereof in person or by Attorney upon surrender of this certificate properly endorsed. This certificate is not valid unless countersigned by the Transfer Agent and Registrar.
IN WITNESS WHEREOF, the said Corporation has caused this certificate to be signed by facsimile signatures of its duly authorized officers. 
 Dated: 
 COUNTERSIGNED AND REGISTERED: WELLS FARGO BANK, N.A. 
 TRANSFER AGENT 
 AND REGISTRAR 
 AUTHORIZED SIGNATURE 
 ASSISTANT SECRETARY 
 PRESIDENT 
 AMERICAN FINANCIAL PRINTING INCORPORATED – MINNEAPOLIS 

	
	

  
 SONTRA
MEDICAL CORPORATION 
 THE BOARD OF THIS CORPORATION HAS THE AUTHORITY TO CREATE AND DETERMINE THE RELATIVE RIGHTS AND
PREFERENCES OF CLASSES OR SERIES OF SHARES OF CAPITAL STOCK OTHER THAN COMMON STOCK. THIS CORPORATION WILL FURNISH TO ANY SHAREHOLDER UPON WRITTEN REQUEST SENT TO ITS PRINCIPAL EXECUTIVE OFFICES, AND WITHOUT CHARGE, A FULL STATEMENT OF THE
BOARD’S AUTHORITY TO CREATE AND DETERMINE THE RELATIVE RIGHTS AND PREFERENCES OF CLASSES OR SERIES OF SHARES OF CAPITAL STOCK AS WELL AS THE DESIGNATIONS, PREFERENCES, LIMITATIONS AND RELATIVE RIGHTS OF THE SHARES OF EACH CLASS OR SERIES THEN
OUTSTANDING OR AUTHORIZED TO BE ISSUED. 
 The following abbreviations, when used in the inscription on the face of this
certificate, shall be construed as though they were written out in full according to applicable laws or regulations: 
 TEN
COM – as tenants in common TEN ENT – as tenants by entireties 
 JT TEN – as joint tenants with right of
survivorship and not as tenants in common 
 UTMA – Custodian (Cust) (Minor) under Uniform Transfer to Minors 

Act 
 (State) 
 Additional abbreviations may also be used though not in the above list. 
 For value received hereby sell, assign and transfer unto 
 PLEASE INSERT SOCIAL SECURITY OR OTHER 
 IDENTIFYING NUMBER OF ASSIGNEE

 PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING POSTAL ZIP CODE OF ASSIGNEE 
 Shares of the capital stock represented by the within Certificate, and do hereby irrevocably constitute and appoint 
 Attorney 
 to
transfer the said stock on the books of the within-named Corporation with full power of substitution in the premises. 
 Dated

 NOTICE: THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME AS WRITTEN UPON THE FACE OF THE CERTIFICATE IN EVERY
PARTICULAR WITHOUT ALTERATION OR ENLARGEMENT OR ANY CHANGE WHATEVER. 
 SIGNATURE GUARANTEED 
 ALL GUARANTEES MUST BE MADE BY A FINANCIAL INSTITUTION (SUCH AS A BANK OR BROKER) WHICH IS A PARTICIPANT IN THE SECURITIES TRANSFER AGENTS
MEDALLION PROGRAM (“STAMP”), THE NEW YORK STOCK EXCHANGE, INC. MEDALLION SIGNATURE PROGRAM (“MSP”), OR THE STOCK EXCHANGES MEDALLION PROGRAM (“SEMP”) AND MUST NOT BE DATED. GUARANTEES BY A NOTARY PUBLIC ARE NOT
ACCEPTABLE.2nd Amended & Restated Credit Agreement

 EXHIBIT 10.5.1 
 MIDWESTONE FINANCIAL GROUP, INC. 
 FOURTH AMENDMENT TO SECOND AMENDED 
 AND RESTATED CREDIT AGREEMENT 
 This Fourth Amendment to Second Amended and Restated Credit Agreement (herein, the “Amendment”) is entered into as of April 28,
2006, between MidWestOne Financial Group, Inc., an Iowa corporation (the “Borrower”), and Harris N.A. (the “Bank”). 
 PRELIMINARY STATEMENTS 
 A. The Borrower and the Bank are parties to
that certain Second Amended and Restated Credit Agreement, dated as of November 30, 2003, as amended (the “Credit Agreement”). All capitalized terms used herein without definition shall have the same meanings herein as such
terms have in the Credit Agreement. 
 B. The Borrower has requested that the Bank extend the Revolving Credit Termination Date and amend
Sections 7.12(a) (Non-Performing Assets; Adjusted Non-Performing Assets) and 7.14 (Return of Assets) of the Credit Agreement, and the Bank is willing to do so under the terms and conditions set forth in this Amendment. 
 NOW, THEREFORE, for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the
parties hereto agree as follows: 
 SECTION 1. AMENDMENTS. 
 Subject to the satisfaction of the conditions precedent set forth in Section 2 below, the Credit Agreement shall be and hereby is amended as follows:

 1.1. The definition of “Revolving Credit Termination Date” set forth in Section 4 of the Credit
Agreement (Definitions) shall be and hereby is amended and restated in its entirety to read as follows: 
 “Revolving
Credit Termination Date” means April 30, 2007, or such earlier date on which the Revolving Credit Commitment is terminated in whole pursuant to Section 2.4, 8.2 or 8.3 hereof. 
 1.2. Section 7.14 of the Credit Agreement (Return on Assets) shall be and hereby is amended and restated in its entirety to read as
follows: 
 Section 7.14. Return on Assets. As of the last day of each June and December in each year, the
Borrower shall maintain a 

 
ratio of Consolidated Net Income for the 12-month period then ended to Consolidated Total Assets as at the last day of such 12-month period then ended of not
less than .0085 to 1.0. 
 1.3. On or about January 1, 2006, each of the following Subsidiaries of the Borrower, Pella
State Bank, Central Valley Bank and MidWestOne Bank, merged with and into MidWestOne Bank & Trust, also a Subsidiary of the Borrower (the “Merger”). Subsequent to the Merger, MidWestOne Bank &
Trust changed its name to MidWestOne Bank. As a result of the Merger, Schedule 5.2 of the Credit Agreement shall be amended and restated in its entirety to read as set forth on Schedule 5.2 attached hereto and made a part hereof.

 SECTION 2. CONDITIONS PRECEDENT. 
 The effectiveness of this Amendment is subject to the satisfaction of all of the following conditions precedent: 
 2.1. The Borrower and the Bank shall have executed and delivered this Amendment. 
 2.2. The Borrower shall deliver to the Bank (a) original stock certificate number 1 representing 50,400 shares of
MidWestOne Bank (f/k/a MidWestOne Bank & Trust), (b) original stock certificate number 1 representing 5,000 shares of MidWest One Investment Services, Inc. and (c) original stock certificate number 6
representing 250 shares of Cook & Son Agency, Inc. (and undated stock powers related thereto executed in blank). 
 2.3. Legal matters incident to the execution and delivery of this Amendment shall be satisfactory to the Bank and its counsel. 
 SECTION 3. REPRESENTATIONS. 
 In order to induce the Bank to execute and deliver this Amendment,
the Borrower hereby represents to the Bank that as of the date hereof, after giving effect to amendments set forth above, the representations and warranties set forth in Section 5 of the Credit Agreement are and shall be and remain true and
correct (except that the representations contained in Section 5.5 shall be deemed to refer to the most recent financial statements of the Borrower delivered to the Bank) and the Borrower is in compliance with the terms and conditions of the
Credit Agreement and no Default or Event of Default exists under the Credit Agreement or shall result after giving effect to this Amendment. 
 SECTION 4. MISCELLANEOUS. 
 4.1. The Borrower heretofore executed and delivered to the Bank
various Collateral Documents. The Borrower hereby acknowledges and agrees that the Liens created and provided 

  

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for by the Collateral Documents continue to secure, among other things, the Obligations arising under the Credit Agreement as amended hereby; and the
Collateral Documents and the rights and remedies of the Bank thereunder, the obligations of the Borrower thereunder, and the Liens created and provided for thereunder remain in full force and effect and shall not be affected, impaired or discharged
hereby. Nothing herein contained shall in any manner affect or impair the priority of the liens and security interests created and provided for by the Collateral Documents as to the indebtedness which would be secured thereby prior to giving effect
to this Amendment. 
 4.2. Except as specifically amended herein, the Credit Agreement shall continue in full force and effect in accordance
with its original terms. Reference to this specific Amendment need not be made in the Credit Agreement, the Notes, or any other instrument or document executed in connection therewith, or in any certificate, letter or communication issued or made
pursuant to or with respect to the Credit Agreement, any reference in any of such items to the Credit Agreement being sufficient to refer to the Credit Agreement as amended hereby. 
 4.3. The Borrower agrees to pay on demand all costs and expenses of or incurred by the Bank in connection with the negotiation, preparation, execution
and delivery of this Amendment, including the fees and expenses of counsel for the Bank. 
 4.4. This Amendment may be executed in any number
of counterparts, and by the different parties on different counterpart signature pages, all of which taken together shall constitute one and the same agreement. Any of the parties hereto may execute this Amendment by signing any such counterpart and
each of such counterparts shall for all purposes be deemed to be an original. Delivery of executed counterparts of this Amendment by telecopy shall be effective as an original. This Amendment shall be governed by the internal laws of the State of
Illinois. 
 [SIGNATURE PAGE TO FOLLOW] 
  

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 This Fourth Amendment to Second Amended and Restated Credit Agreement is entered into as of the date and
year first above written. 
  

			
	 MIDWESTONE FINANCIAL
GROUP, INC.

		
	By	 	 /s/ David A. Meinert

		 	 Name David A. Meinert

		 	 Title Executive Vice President & CFO

 Accepted and agreed to. 
  

			
	 HARRIS N.A.

		
	By	 	 /s/ Robert G. Bomben

		 	 Name Robert G. Bomben

		 	 Title Vice President

  

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 SCHEDULE 5.2 
 SUBSIDIARIES AS OF APRIL 28, 2006 
  

					
	 NAME
	  	JURISDICTION OF
INCORPORATION	  	PERCENTAGE OF OWNERSHIP
	 MidWestOne Bank (f/k/a MidWestOne Bank & Trust)
	  	Iowa	  	100%
	 MIC Financial, Inc.
	  	Iowa	  	100%
	 MidWest One Investment Services, Inc.
	  	Iowa	  	100%
	 Cook & Son Agency, Inc.
	  	Iowa	  	100%

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