Document:

Amended and Restated Credit Agreement

    EXHIBIT
      10.1

     

    
      	
              Chase

            	
              Amended
                and Restated

              Credit
                Agreement

            

    

    

    This
      agreement dated as of July 12, 2006, between JPMorgan Chase Bank, N.A.
      (together
      with its successors and assigns,
      the
      "Bank"),
      having an office at 120
      South
      La Salle Street, 6th Floor, Chicago, IL 60603-3403, and
      WesBanco, Inc., a West Virginia corporation, with its headquarters office
      located at One Bank Plaza, Wheeling, WV 26003 (whether
      one or more, and if more than one, individually and collectively, the
      "Borrower").

    

    
      	1.  	
              Credit
                Facilities. 

            

    

    

    
      	1.1  	
              Scope.
                This agreement governs Facility A and, unless otherwise agreed to
                in
                writing by the Bank and the Borrower or prohibited by applicable
                law,
                governs all the Credit Facilities as defined
                below.

            

    

    

    
      	1.2  	
              Facility
                A (Line of Credit).
                The Bank has approved a credit facility to the Borrower in the principal
                sum not to exceed $35,000,000.00 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 concurrently with this agreement, and any renewals,
                modifications, extensions, rearrangements, restatements thereof and
                replacements or substitutions therefor. The proceeds of Facility
                A shall
                be used to refinance all of Borrower’s indebtedness with SunTrust Bank,
                N.A., and for the Borrower’s general corporate
                purposes.

            

    

    

    
      	2.  	
              Definitions.
                As
                used in this agreement, the following terms have the following respective
                meanings:

            

    

    

    

    
      	2.1  	
              "Affiliate" means,
                as to any Person, any other Person: (1) that directly or indirectly,
                through one or more intermediaries, controls or is controlled by,
                or is
                under common control with, such Person; (2) that directly or indirectly
                beneficially owns or holds five percent (5%) or more of any class
                of
                voting stock of such Person; or (3) five percent (5%) or more of
                the
                voting stock of which is directly or indirectly beneficially owned
                or held
                by the Person in question. The term "control" means to possess, directly
                or indirectly, the power to direct the management and policies of
                a
                Person, whether through the ownership of voting securities, by contract,
                or otherwise. The Bank is not under any circumstances to be deemed
                an
                Affiliate of Borrower or any of its Subsidiaries.
                

            

    

    

    
      	2.2  	
              "Authority
                Documents"
                means certificates of authority to transact business, certificates
                of good
                standing, borrowing resolutions (with secretary's certificate),
                secretary's certificates of incumbency, and other documents, which
                empower
                and enable the Parties or their representatives to enter into the
                Related
                Documents or evidence such
                authority.

            

    

    

    
      	2.3  	
              "Business
                Day"
                means a day when the main office of the Bank is open for the conduct
                of
                commercial lending business.

            

    

    

    
      	2.4  	
              "Credit
                Facilities"
                means all extensions of credit from the Bank to the Borrower, whether
                now
                existing or hereafter arising, including but not limited to those
                described in Section 1 and
                those extended contemporaneously with this agreement, including
                any
                and all renewals, modifications, extensions, rearrangements, restatements
                thereof and replacements or substitutions
                therefor.

            

    

    

    
      	2.5  	
              "Company" means
                a corporation, partnership, limited liability company, joint venture,
                joint stock association, association, bank, business trust or other
                business entity.

            

    

    

    
      	2.6  	
              "GAAP"
                means generally accepted accounting principles in effect in the United
                States of America, consistently
                applied.

            

    

    

    
      	2.7  	
              "Governmental
                Authority"
                means any foreign governmental authority, the United States of America,
                any state of the United States and any political subdivision of any
                of the
                foregoing, and any agency, department, commission, board, bureau,
                court or
                other tribunal having jurisdiction over the Bank, the Borrower or
                any
                other Obligor, or any Subsidiary of the Borrower, or their respective
                properties. Governmental Authority includes but is not limited to
                the
                Board of Governors of the Federal Reserve System ("FRB"),
                the Federal Deposit Insurance Corporation (the "FDIC"),
                any state banking regulatory or supervisory authority (a “State
                Authority”),
                the Office of Thrift Supervision (the "OTS"),
                the Office of the Comptroller of the Currency (the "OCC")
                and the Securities and Exchange Commission (the "SEC”).

            

    

     

    1

    
      	2.8  	
              “Intercompany
                Loan” means
                the loan made by the Bank to the Borrower, made in accordance with
                Regulation W of the Federal Reserve Board, and which loan is in the
                principal amount of $3,500,000.00 and is secured by marketable securities
                and other assets of Borrower.

            

    

    

    
      	2.9  	
              "Indebtedness"
                means and includes (without duplication)
                (i) all items arising from the borrowing of money, which according
                to
                GAAP, would be included in determining total liabilities as shown
                on the
                balance sheet; (ii) all indebtedness secured by any Lien on property
                owned
                by the Borrower or the Subsidiaries of the Borrower whether or not
                such
                indebtedness shall have been assumed; (iii) all guarantees and similar
                contingent liabilities in respect to indebtedness of others; and
                (iv) all
                other interest-bearing obligations evidencing indebtedness to others
                for
                borrowed money.

            

    

    

    
      	2.10  	
              "Legal
                Requirement"
                means any law, ordinance, decree, requirement, order, judgment, rule,
                regulation (or interpretation of any of the foregoing) of, and the
                terms
                of any list, license or permit issued by, any Governmental
                Authority.

            

    

    

    
      	2.11  	
              "Liabilities"
                means all debts, obligations, indebtedness and liabilities of every
                kind
                and character of the Borrower to the Bank, its
                successors and assigns, now existing or later arising, whether individual,
                joint and several, contingent or otherwise, including, without limitation,
                all liabilities, interest, costs and fees, arising under or from
                any note,
                open account, overdraft, credit card, lease, Rate Management Transaction,
                letter of credit application, endorsement, surety agreement, guaranty,
                acceptance, foreign exchange contract or depository service contract,
                whether payable to the Bank or to a third party and subsequently
                acquired
                by the Bank, any monetary obligations (including interest) incurred
                or
                accrued during the pendency of any bankruptcy, insolvency, receivership
                or
                other similar proceedings, regardless of whether allowed or allowable
                in
                such proceeding, and all renewals, extensions, modifications,
                consolidations, rearrangements, restatements, replacements, restatements
                or substitutions of any of the foregoing.

            

    

    

    
      	2.12  	
              "Lien" means
                any mortgage, deed of trust, pledge, charge, encumbrance, security
                interest, collateral assignment or other lien or restriction of any
                kind,
                whether based on common law, constitutional provision, statute or
                contract. 

            

    

    

    
      	2.13  	
              "Material
                Adverse Effect"
                means an effect which is reasonably determined by the Bank to be
                a
                material adverse effect on (a) the business, assets, operations,
                prospects or condition, financial or otherwise, of the Borrower and
                the
                Subsidiaries taken as a whole, (b) the ability of the Borrower to
                perform any of its obligations under this Agreement or any of the
                other
                Related Documents, or (c) the rights of or benefits available to the
                Bank under this Agreement or any of the Related
                Documents

            

    

    

    
      	2.14  	
              "Notes"
                means
                each and all promissory notes, instruments and/or other agreements
                evidencing the terms and conditions of any of the Credit
                Facilities. 

            

    

    

    
      	2.15  	
              "Obligor" means
                each Borrower and any guarantor, surety, co-signer, general partner
                or
                other Person who may now or hereafter be obligated to pay all or
                any part
                of the Liabilities. 

            

    

    

    
      	2.16  	
              "Organizational
                Documents"
                means, with respect to a corporation, the certificate of incorporation
                or
                formation, articles of incorporation and bylaws of such corporation;
                with
                respect to a limited liability company, the articles of organization,
                regulations, operating agreement and other documents establishing
                or
                governing such entity, with respect to a partnership, joint venture,
                or
                trust, the agreement, certificate or instrument establishing or governing
                such entity; in each case including all modifications and supplements
                thereof as of the date of the Related Document referring to such
                Organizational Document and any and all future modifications thereof
                which
                are consented to by the Bank.

            

    

    

    
      	2.17  	
              "Parties" mean
                all Persons other than the Bank executing any Related
                Document.

            

    

     

    2

    
 

    
      	2.18  	
              “Permitted
                Acquisition” means
                the purchase of the
                capital stock of, or equity interest in another Company, or of the
                assets
                of another Company, provided that no Event of Default or event which,
                with
                the giving of notice or the lapse of time or both would constitute
                an
                Event of Default, has occurred and is continuing or would occur as
                a
                result of such acquisition, and provided, further, that all purchases
                of the
                capital stock of, or equity interests in another Company, or of the
                assets
                of another Company, during any period of twelve consecutive calendar
                months shall not in the aggregate exceed thirty-five and No/ 100
                percent
                (35.00%) of
                the consolidated stockholders’ equity of the Borrower, determined in
                accordance with GAAP.

            

    

    

    
      	2.19  	
              "Person"
                means any individual, Company, trust, unincorporated organization,
                Governmental Authority or any other form of
                entity.

            

    

    

    
      	2.20  	
              "Proper
                Form"
                means in form and substance satisfactory to the
                Bank.

            

    

    

    
      	2.21  	
              "Rate
                Management Transaction"
                means any transaction (including an agreement with respect thereto)
                that
                is a rate swap, basis swap, forward rate transaction, commodity swap,
                commodity option, equity or equity index swap, equity or equity index
                option, bond option, interest rate option, foreign exchange transaction,
                cap transaction, floor transaction, collar transaction, forward
                transaction, currency swap transaction, cross-currency rate swap
                transaction, currency option, derivative transaction or any other
                similar
                transaction (including any option with respect to any of these
                transactions) or any combination thereof, whether linked to one or
                more
                interest rates, foreign currencies, commodity prices, equity prices
                or
                other financial measures. 

            

    

    

    
      	2.22  	
              "Related
                Documents"
                means this agreement, the Notes, 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 this agreement or in connection
                with
                any of the Liabilities.

            

    

    

    
      	2.23  	
              "Subordinated
                Debt"
                means any Indebtedness subordinated to Indebtedness due the Bank
                pursuant
                to a written subordination agreement in Proper Form by and among
                the Bank,
                subordinated creditor and the Borrower which at a minimum must prohibit:
                (a) any action by subordinated creditor which will result in an occurrence
                of an Event of Default or default under this agreement, the subordination
                agreement or the subordinated Indebtedness; and (b) upon the happening
                of
                any Event of Default or default under any Related Documents, the
                subordination agreement, or any instrument evidencing the subordinated
                Indebtedness: (i) any payment of principal and interest on the
                subordinated Indebtedness; (ii) any act to compel payment of principal
                or
                interest on subordinated Indebtedness; and (iii) any action to realize
                upon any collateral securing the subordinated
                Indebtedness.

            

    

    

    
      	2.24  	
              "Subsidiary"
                means, as to a particular parent Company, any Company of which 50%
                or more
                of the indicia of equity rights is at the time directly or indirectly
                owned by such parent Company or by one or more Persons controlled
                by,
                controlling or under common control with such parent Company. For
                purposes
                of this agreement, the Borrower's Subsidiaries include but are not
                limited
                to each of those listed on Annex I.

            

    

    

    
      	3.  	
              Conditions
                Precedent.

            

    

    

    
      	3.1  	
              Conditions
                Precedent to Initial Extension of Credit.
                Before the first extension of credit governed by this agreement,
                whether
                by disbursement of any loan, issuance of any letter of credit, or
                otherwise, the Borrower shall deliver to the Bank in Proper
                Form:

            

    

    

    A.  Related
      Documents.
      The
      Notes, and as applicable, the letter of credit applications, the security
      agreements, the pledge agreements, financing statements, mortgages or deeds
      of
      trust, the guaranties, the subordination agreements, and any other loan
      documents which the Bank may reasonably require to give effect to the
      transactions described in this agreement;

    

    B.  Organizational
      and Authority Documents. The
      Organizational and Authority Documents of the Borrower and any other Party
      executing the Related Documents.

    

    C.  Payoff
      Existing Debt/ Release of Liens. Full
      payment and satisfaction of all debt of the Borrower and each of its
      Subsidiaries other than the Indebtedness permitted by Section 5.1 hereof, and
      the release and satisfaction of all Liens other than the Liens permitted by
      Section 5.2 hereof, which may occur prior to or contemporaneously with the
      initial funding under Facility A.

     

    3

    
 

    
      	3.2  	
              Conditions
                Precedent to Each Extension of Credit.
                Before any extension of credit governed by this agreement, whether
                by
                disbursement of a loan, issuance of a letter of credit or otherwise,
                the
                following conditions must be
                satisfied:

            

    

    

    A.  Representations.
      The
      representations of the Borrower and any other Parties to the Related Documents
      are true on and as of the date of the extension of credit;

    

    B.  No
      Event of Default.
      No
      default or Event of Default has occurred under this agreement,
      the
      Notes or any other Related Documents and
      is
      continuing or would result from the extension of credit, and no event has
      occurred which would constitute the occurrence of any default or any Event
      of
      Default but for the lapse of time until the end of any grace or cure
      period.

    

    
      	3.3  	
              Additional
                Approvals, Opinions, and Documents.
                The Bank has received any other approvals, opinions and documents
                as it
                may reasonably request.

            

    

    

    
      	3.4  	
              Satisfaction
                of Conditions Precedent.
                The acceptance of the proceeds and benefits of the proceeds of any
                Credit
                Facility shall constitute a representation and warranty by the Parties
                to
                the Bank that all of the conditions specified in this Article 3 for
                that
                Credit Facility have been satisfied as of that time.
                

            

    

    

    
      	4.  	
              Affirmative
                Covenants. The
                Borrower agrees to do, and will cause each of its Subsidiaries to
                do, each
                of the following:

            

    

    

    
      	4.1  	
              Financial
                information.
                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; (2) within
                the time
                required by Exhibit
                A,
                a
                certificate in the form of Exhibit
                A
                signed or otherwise authenticated and certified by the chief financial
                officer or president of the Party required to submit the information;
                (3)
                to the extent permitted by applicable Legal Requirements, promptly
                after
                the same are available, copies of each annual report or financial
                statement or other report or communication sent by the Borrower to
                the
                shareholders of the Borrower; each registration statement which the
                Borrower or any Subsidiary may file with any Governmental Authority
                or
                with any securities exchange; (4) promptly after a request is submitted
                to
                the appropriate Governmental Authority, any request for waiver of
                funding
                standards or extension of amortization periods with respect to any
                employee benefit plan; and (5) such other information relating to
                the
                financial condition, prospects and affairs of the Borrower, each
                other
                Obligor and their respective Subsidiaries as the Bank may reasonably
                request from time to time. Nothing in this agreement shall require
                the
                Borrower to provide any information to the Bank which the Borrower,
                any
                other Obligor or any of their respective Subsidiaries is prohibited
                by
                Legal Requirements to disclose. All proceeds of any collateral shall
                be
                deposited in an account maintained with Bank.

            

    

    

    
      	4.2  	
              Existence. Maintain
                its existence and business operations as presently in effect in accordance
                with all applicable Legal Requirements, pay its debts and obligations
                when
                due under normal terms, and pay on or before their due date, all
                taxes,
                assessments, fees and other governmental monetary obligations, except
                as
                they may be contested in good faith if they have been properly reflected
                on its books and, at the Bank's request, adequate funds or security
                have
                been pledged to insure payment.

            

    

    

    
      	4.3  	
              Financial
                Records.
                Maintain proper books and records of account, in accordance with
                GAAP, and
                consistent with financial statements previously submitted to the
                Bank.

            

    

    

    
      	4.4  	
              Inspection.
                Permit the Bank
                or
                its representatives, at those times and at the intervals as the Bank
                may
                reasonably require: (1) to inspect, examine, audit and copy its business
                records, and to discuss its business, operations, prospects and financial
                condition with its officers and accountants; and (2) to inspect its
                business operations and sites; provided, however, that nothing in
                this
                agreement shall give the Bank the right to inspect or copy any records
                of
                (a) any examination report of the Borrower’s supervisory Governmental
                Authority or other information that the Borrower or any of its
                Subsidiaries are prohibited by any Legal Requirement from disclosing
                without the consent of the supervising Governmental Authority, or
                (b) the
                confidential information of any particular customer of Borrower or
                any of
                its Subsidiaries that the Borrower or any of its Subsidiaries are
                prohibited from disclosing by any Legal Requirement or by any applicable
                confidentiality agreement with any such customer; provided, however,
                the
                Borrower will, and will cause each of its Subsidiaries to, cooperate
                in
                obtaining any consent of the supervising Governmental Authority or
                any
                particular customer should the Bank request such
                disclosure.

            

    

     

    4

    
 

    
      	4.5  	
              Notices
                of Claims, Litigation, Defaults, etc.
                Promptly inform the Bank in writing of (1) all existing and threatened
                litigation, claims, investigations, administrative proceedings and
                similar
                actions affecting the Borrower
                or any Subsidiary of the Borrower
                which could materially affect the
                business, property, affairs, prospects or financial
                condition of Borrower or any of its Subsidiaries; (2) the occurrence
                of
                any default or Event of Default and the circumstances which give
                rise to
                the Bank's option to terminate the Credit Facilities to the extent
                the
                disclosure does not violate any Legal Requirement; (3) any material
                additions to or material changes in its locations or businesses,
                unless
                the Borrower has provided such information in writing to the Bank
                prior to
                making such addition or such change; and (4) any alleged breach of
                any
                provision of this agreement or of any other Related Documents by
                the
                Bank.

            

    

    

    
      	4.6  	
              Title
                to Assets and Property.
                Maintain good and marketable title to all of its assets and properties
                and
                defend its assets and properties against all claims and demands of
                all
                Persons at any time claiming any interest in
                them.

            

    

    

    
      	4.7  	
              Additional
                Assurances.
                Promptly make, execute and deliver any and all agreements, documents,
                instruments and other records that the Bank may reasonably request
                to
                evidence any of the Credit Facilities, cure any defect in the execution
                and delivery of any of the Related Documents, perfect any Lien, comply
                with any Legal Requirement applicable to the Bank or the Credit Facilities
                or more fully to describe particular aspects of the agreements set
                forth
                or intended to be set forth in any of the Related
                Documents.

            

    

    

    
      	 	
              4.8 
                

            	
              Ownership
                of Stock. Borrower
                shall at all times maintain ownership of (1) one hundred percent
                (100.00%)
                of the capital stock of of each of its financial institution Subsidiaries,
                (2) cause the Bank to at all times maintain ownership of one hundred
                percent (100.00%) of the capital stock of each of Wesbanco Asset
                Management, Inc., and Wesbanco Insurance Services, Inc., and (3)
                cause
                Wesbanco Asset Management, Inc to at all times maintain ownership
                of one
                hundred percent (100.00%) of the voting capital stock of Wesbanco
                Services, Inc.

            

    

    

    
      	 	
              4.9 
                

            	
              Capitalization
                Status. Borrower
                shall maintain at all times each financial institution Subsidiary’s
                categorization as ‘Well Capitalized’ as defined by the regulations of each
                respective Subsidiary’s primary federal Government
                Authority.

            

    

    

    
      	 	
              4.10 
                

            	
              Financial
                Institution Subsidiary’s Consolidated Non-Performing Assets
                Ratio.
                Borrower shall at all times maintain a “Consolidated
                Non-Performing Asset Ratio”
                of
                not greater than one and 75/100 percent (1.75%). As used in this
                Section,
                the term “Consolidated
                Non-Performing Assets Ratio”
                means the ratio, determined on a consolidated basis for the Borrower,
                of
                (i) the sum of “Non-Performing
                Assets”
                plus“OREO,”
                to
                (ii) the sum of “Total
                Loans” plus
                “OREO.”
                As
                used in this Section, the term “Non-Performing
                Assets” means
                the sum of all loans classified as past due 90 days or more and still
                accruing interest, all loans classified a ‘non-accrual’ and no longer
                accruing interest, all loans classified as ‘restructured loans and
                leases’, and all other ‘non-performing loans.’ As used in this Section,
                the term “Total
                Loans” means
                the total of all performing and non-performing loans. As used in
                this
                Section, the term “OREO”
                means the book value, net of accumulated depreciation, of all other
                real
                estate owned by the financial institutions Subsidiary and its Subsidiaries
                for which this ratio is being computed; provided, however, that this
                term
                excludes all real estate which is occupied and used by the financial
                institutions Subsidiary and its Subsidiaries in the ordinary course
                of
                business. The ratio set forth in this Section shall be measured quarterly
                and shall be determined from the applicable quarterly financial statements
                filed with the applicable Governmental Authority.
                

            

    

    

    
      	5.  	
              Negative
                Covenants.
                Without the prior written consent of the Bank, the
                Borrower will not and no Subsidiary of the Borrower
                will:

            

    

     

     

    5

    
      	5.1  	
              Indebtedness.
                Create, assume, incur, have outstanding, or in any manner become
                liable in
                respect of any Indebtedness, other than (1) Indebtedness incurred
                in the
                ordinary course of business (including, without limitation, Federal
                Home
                Loan Bank (or regional member bank) borrowings, Federal Reserve Board
                (or
                regional member bank) Discount Window Program borrowings, unsecured
                Fed
                Funds lines, and Reverse Repurchase Agreements) and in accordance
                with
                applicable Legal Requirements and safe and sound banking practices;
                (2)
                Indebtedness reflected in the Borrower’s financial statements dated March
                31, 2006; (3) additional Indebtedness contracted for after the date
                of
                this agreement that does not exceed the amounts reflected in those
                financial statements described in (2) above; (4) upon the approval
                of the
                Bank, Subordinated Debt; (5) trust preferred securities issued after
                the
                date of this Agreement, provided that no
                Event of Default or event which, with the giving of notice or the
                lapse of
                time or both would constitute an Event of Default, has occurred and
                is
                continuing or would occur as a result of such issuance; (5)
                the Intercompany Loan; (6) sale and repurchase obligations among
                (a)
                Wesbanco Bank, Inc., and (b) either one or both of Wesbanco Asset
                Management, Inc., or Wesbanco Services, Inc., with respect to any
                loan
                sales among them in the ordinary course of business (to the extent
                that
                any such sale and repurchase obligations may constitute “Indebtedness”);
                and (7) short term liabilities, including accrued interest, accrued
                and
                deferred tax liabilities, and current pension liabilities (to the
                extent
                that any of the foregoing may constitute
                “Indebtedness”).

            

    

    

    
      	5.2  	
              Liens.
                Create,
                assume, incur, suffer or permit to exist any Lien of any kind or
                character
                upon or with respect to any of its assets or properties, whether
                now owned
                at the date hereof or later acquired, or assign or otherwise convey
                any
                right to receive income, other
                than
                (1) Liens in favor of the Bank, (2) existing Liens disclosed in writing
                to
                the Bank, (3) Liens incurred in the ordinary course of business securing
                current non-delinquent liabilities for taxes, worker’s compensation,
                unemployment insurance, social security, and pension liabilities,
                (4)
                existing mortgage liens on the real estate of the Borrower and the
                Borrower’s Subsidiaries securing the existing mortgage debt related
                thereto and which is presently secured thereby; (5) Liens against
                collateral currently pledged to secure the Intercompany Loan; (6)
                liens
                granted in the ordinary course of business to the Federal Home Loan
                Bank
                (or regional member bank) securing permitted Federal Home Loan Bank
                (or
                regional member bank) borrowings; (7) liens granted in the ordinary
                course
                of business to the Federal Reserve Board (or regional member bank)
                securing permitted Federal Reserve Board (or regional member bank)
                Discount Window borrowings; and (8) liens granted in the ordinary
                course
                of business by Wesbanco Bank, Inc. to Wesbanco Asset Management,
                Inc., and
                Wesbanco Services, Inc. in promissory notes, chattel paper, and other
                loan
                documents remaining in Wesbanco Bank, Inc.’s possession with respect to
                loans sold to Wesbanco Asset Management, Inc., and Wesbanco Services,
                Inc.
                in the ordinary course of business, and sale and repurchase obligations
                among (a) Wesbanco Bank, Inc., and (b) either one or both of Wesbanco
                Asset Management, Inc., or Wesbanco Services, Inc., with respect
                to any
                loan sales among them in the ordinary course of business (to the
                extent
                that any such sale and repurchase obligations may constitute a
                “Lien”).

            

    

    

    
      	5.3  	
              Disposal
                of Interests in the Subsidiaries. Dispose
                of any stock or other interest (whether by sale, assignment, lease
                or
                otherwise) in
                the equity of (1) any of its financial institution Subsidiaries,
                whether
                now owned or hereafter acquired, (2) Wesbanco Asset Management, Inc.,
                (3)
                Wesbanco Services, Inc., or (3) any other material Subsidiary, whether
                now
                owned or hereafter acquired.

            

    

     

    
      	5.4  	
              Merger
                or Consolidations.
                (1) Dissolve; (2) merge or consolidate with any Person; (3) lease,
                sell or
                otherwise convey a material part of its assets or business outside
                the
                ordinary course of its business; (4) lease, purchase, or otherwise
                acquire
                a material part of the assets of any other Person, except in the
                ordinary
                course of its business and except for Permitted Acquisitions; or
                (5) agree
                to do any of the foregoing. 

            

    

     

    
      	5.5  	
              Use
                of Proceeds.
                Use, or permit any proceeds of the Credit Facilities to be used,
                directly
                or indirectly, for the purpose of "purchasing or carrying any margin
                stock" within the meaning of Federal Reserve Board Regulation U
                ("Regulation
                U").
                At the Bank's request, the Borrower will furnish a completed Federal
                Reserve Board Form U-1.

            

    

    

    
      	5.6  	
              Affiliate
                Transactions.
                Enter into any transaction or agreement with any Affiliate except
                (1) the
                Intercompany Loan (2) any transaction upon terms substantially similar
                to
                those obtainable from wholly unrelated sources and otherwise in compliance
                with any applicable Legal Requirements, and (3) any transaction or
                agreement made in the ordinary course of business, in compliance
                with any
                applicable Legal Requirements, and which does not or will not have
                or
                produce any Material Adverse
                Effect.

            

    

    

    
      	5.7  	
              Subsidiaries.
                Form,
                create or acquire any Subsidiary that is not wholly owned by the
                Borrower.
                

            

    

    

    
      	5.8  	
              Continuity
                of Operations.
                (1) Engage in any business activities substantially different from
                those
                in which it is presently engaged; or (2) cease operations, liquidate,
                change its name, dissolve, or sell any assets out of the ordinary
                course
                of business.

            

    

     

    6

    
 

    
      	5.9  	
              Conflicting
                Agreements. Enter
                into any agreement containing any provision which would be violated
                or
                breached by the performance of the Borrower’s obligations under this
                agreement or any of the other Related Documents.
                

            

    

    

    
      	5.10  	
              No
                Other Negative Pledge.
                Enter into any agreement with any Person other than the Bank which
                prohibits or limits the ability of the
                Borrower
                or
                any of its Subsidiaries to create or permit to exist any Lien on
                any of
                its property, assets or revenues, whether now owned or hereafter
                acquired.

            

    

    

    
      	5.11  	
              Government
                Regulation.
                (1) Be or become subject at any time to any Legal Requirement (including,
                without limitation, the U.S. Office of Foreign Asset Control list)
                that
                prohibits or limits the Bank from making any advance or extension
                of
                credit to the Borrower or from otherwise conducting business with
                the
                Borrower; or (2) fail to provide documentary and other evidence of
                the
                Borrower’s identity as may be requested by the Bank at any time to enable
                the Bank to verify the Borrower’s identity or to comply with any Legal
                Requirement, including, without limitation, Section 326 of the USA
                Patriot
                Act of 2001, 31 U.S.C. Section
                5318.

            

    

    

    
      	6.  	
              Representations,
                Warranties and Covenants by the Borrower. To
                induce the Bank to enter into this agreement and to extend credit
                or other
                financial accommodations under the Credit Facilities,
                the Borrower represents and warrants as of the date of this agreement
                and
                as of the date of each request for credit under the Credit Facilities
                that each of the following statements is and shall remain true and
                correct
                throughout the term of this agreement and until all Credit Facilities
                and
                all amounts owing under the Notes and other Related Documents are
                paid in
                full: 

            

    

    

    
      	6.1  	
              Organization
                and Status. (1)
                The Borrower is a West Virginia corporation registered as a federal
                bank
                holding company under the laws of the United States, and the Borrower
                and
                each of its Subsidiaries are each duly organized, validly existing
                and in
                good standing under the laws of its organization and is duly qualified
                to
                do business and is in good standing under the laws of each state
                in which
                the ownership of its properties and the nature and extent of the
                activities transacted by it makes such qualification necessary. (2)
                The
                Borrower has no Subsidiary other than those listed on Annex I.
                

            

    

    

    
      	6.2  	
              Financial
                Statements.
                All financial statements delivered to the Bank are complete and correct
                and fairly present, in accordance with generally accepted accounting
                principles, consistently applied, the financial condition and the
                results
                of operations of the Borrower and each Subsidiary, as at the dates
                and for
                the periods indicated. No material adverse change has occurred in
                the
                assets, liabilities, financial condition, business or affairs of
                the
                Borrower or any of its Subsidiaries since the dates of the Borrower’s
                financial statements dated March 31, 2006. Neither the Borrower nor
                any of
                its Subsidiaries is subject to any instrument or agreement materially
                and
                adversely affecting its financial condition, business or affairs.
                

            

    

    

    
      	6.3  	
              Enforceability.
                This agreement, the Notes, and the other Related Documents have been
                duly
                authorized, executed and delivered by the Parties thereto and are
                valid
                and binding agreements of the Parties, enforceable according to their
                terms, except as the enforceability may be limited by bankruptcy,
                insolvency, reorganization or similar laws affecting creditors’ rights
                generally and subject to general principles of equity. The execution,
                delivery and performance of this agreement, the Notes and the other
                Related Documents and the obligations that they impose, do not violate
                any
                Legal Requirement, conflict with any agreement by which any Party
                is
                bound, or require the consent or approval of any Governmental Authority
                or
                other third party which has not been promptly obtained in connection
                with
                the execution and delivery of this agreement and the other Related
                Documents 

            

    

    

    
      	6.4  	
              Litigation.
                There is no litigation, claim, investigation, administrative proceeding
                or
                similar action (including those for unpaid taxes) against the Borrower,
                any of its Subsidiaries or any other Obligor pending or threatened,
                and no
                other event has occurred which may in any one case or in the aggregate
                materially adversely affect the Borrower, any of its Subsidiaries,
                any
                other Obligor or any of their respective financial condition and
                properties, other than litigation, claims, or other events, if any,
                that
                have been disclosed to and acknowledged by the Bank in writing or
                disclosed in the Borrower’s March 31, 2006, financial
                statements.

            

    

    

    
      	 	
              6.5 
                

            	
              Title
                and Rights. The
                Borrower and each of its Subsidiaries have good and marketable title
                to
                its properties, free and clear of any Lien except for Liens disclosed
                in
                writing to the Bank prior to the date of this agreement, and those
                permitted by this agreement and the other Related Documents, including,
                without limitation, existing mortgage liens on the real estate of
                the
                Borrower and the Borrower’s Subsidiaries securing the existing mortgage
                debt related thereto and which is presently secured thereby. The
                Borrower
                and each of its Subsidiaries possess all permits, licenses, patents,
                trademarks and copyrights required to conduct their respective businesses.
                

            

    

     

    7

    
      	6.6  	
              Regulation
                U; Business Purpose.
                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 Regulation U or not an exempt transaction under Regulation
                U.
                All Credit Facilities will be used for 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

            

    

    

    
      	6.7  	
              Capital
                Stock of the Borrower's Subsidiaries. (1)
                All of the issued and outstanding capital stock of each of the Borrower's
                Subsidiaries (the "Borrower's Current Subsidiaries'
                Shares")
                has been duly authorized, legally and validly issued, fully paid
                and
                nonassessable, and the Borrower's Current Subsidiaries' Shares are
                owned
                by the Borrower, free and clear of all Liens, except as may exist
                for the
                benefit of the Bank; (2) none of the Borrower's Current Subsidiaries'
                Shares have been issued in violation of any shareholder's preemptive
                rights; and (3) there are, as of the date of this agreement, no
                outstanding options, rights, warrants, plans, understandings or other
                agreements or instruments obligating the Borrower to issue, deliver
                or
                sell, or cause to be issued, delivered or sold, or contemplating
                or
                providing for the issuance of, additional shares of the capital stock
                of
                the Borrower's Subsidiaries, or obligating the Borrower or the Borrower's
                Subsidiaries to grant, extend or enter into any such agreement or
                commitment. 

            

    

    

    
      	6.8  	
              Regulatory
                Enforcement Actions.
                Except as disclosed by the Borrower to the Bank, none of the Borrower,
                or any of its Subsidiaries, or any of their respective officers or
                directors, is now operating under any effective written restrictions
                agreed to by the Borrower or by any of its Subsidiaries, or agreements,
                memoranda, or written commitments by the Borrower or by any of its
                Subsidiaries (other than restrictions of general application) imposed
                or
                required by any Governmental Authority nor are any such restrictions
                threatened or agreements, memoranda or commitments being sought by
                any
                Governmental Authority.

            

    

    

    
      	6.9  	
              No
                Liens.
                Except for Liens expressly permitted by this Agreement, the Borrower
                is
                not a party to any agreement, instrument of undertaking or subject
                to any
                other restriction pursuant to which the Borrower has placed, or will
                be
                required to place (or under which any other Person may place), a
                Lien upon
                any of its properties securing Indebtedness, either upon demand or
                upon
                the happening of a condition, with or without any
                demand.

            

    

    

    
      	6.10  	
              Compliance.
                The Borrower and each of its Subsidiaries has filed all applicable
                tax
                returns and paid all taxes shown thereon to be due, except those
                for which
                extensions have been obtained and those which are being contested
                in good
                faith and for which adequate reserves have been established. The
                Borrower
                and each of its Subsidiaries is in compliance with all applicable
                material
                Legal Requirements and manages and operates (and will continue to
                manage
                and operate) its business in accordance with good industry practices.
                Neither the Borrower nor any of its Subsidiaries is in default in
                the
                payment of any other Indebtedness or under any agreement to which
                it is a
                party. 

            

    

    

    
      	6.11  	
              No
                Claims Against the Bank.
                There are no defenses or counterclaims, offsets or adverse claims,
                demands
                or actions of any kind, personal or otherwise, that the Borrower
                or any
                other Obligor could assert against the Bank, whether in connection
                with
                this agreement, any of the Credit Facilities, or
                otherwise.

            

    

    

    
      	6.12  	
              Statements
                by Others.
                All statements made by or on behalf of the Borrower, any of its
                Subsidiaries or any other of the Parties in connection with any Related
                Document constitute the joint and several representations and warranties
                of the Borrower under this
                agreement.

            

    

    

    
      	6.13  	
              Environment.
                The Borrower and each of its Subsidiaries have complied with applicable
                Legal Requirements in each instance in which any of them have generated,
                handled, used, stored or disposed of any hazardous or toxic waste
                or
                substance, on or off its premises (whether or not owned by any of
                them).
                Neither the Borrower nor any of its Subsidiaries has any material
                contingent liability for non-compliance with environmental or hazardous
                waste laws. Neither the Borrower nor any of its Subsidiaries has
                received
                any notice that it or any of its property or operations does not
                comply
                with, or that any Governmental Authority is investigating its compliance
                with, any environmental or hazardous waste
                laws.

            

    

     

    8

    
 

    
      	 	
              6.14 
                

            	
              Continuing
                Representations.
                Each request for an advance or conversion or continuation of an advance
                under any of the Credit Facilities shall constitute a representation
                and
                warranty by the Borrower that all of the representations and warranties
                set forth in this agreement shall be true and correct on and as of
                such
                date with the same effect as though such representations and warranties
                had been made on such date, except to the extent that such representations
                and warranties are stated to expressly relate solely to an earlier
                date.

            

    

    

    
      	7  	
              Default/Remedies/Cure
                Periods. 

            

    

    

    
      	7.1  	
              Events
                of Default. Each
                of
                the following is an "Event
                of Default":

            

    

    

    
      	 	
              A.

            	
              The
                Borrower,
                any of its Subsidiaries
                or
                any other Obligor fails to pay when due any amount payable (1) under
                the
                Notes or with respect to any of the other Liabilities; or (2) under
                any
                agreement or instrument evidencing Indebtedness to any creditor other
                than
                the Bank.

            

    

    

    
      	 	
              B.

            	
              The
                Borrower, any of its Subsidiaries or any other Obligor (1) fails
                to
                observe or perform or otherwise violates, or is in default of, any
                other
                term, covenant, condition or agreement of any of the Notes or other
                Related Documents; (2) makes any materially incorrect or misleading
                representation, warranty, or certificate to the Bank; (3) makes any
                materially incorrect or misleading representation in any financial
                statement or other information delivered to the Bank; or (4) defaults
                under the terms of any agreement or instrument relating to any
                Indebtedness
                (other than the Indebtedness
                evidenced by the Notes) and the effect of such default will allow
                the
                creditor to declare the Indebtedness
                due before its maturity; provided , however, that the violation that
                has
                occurred and is continuing as of the date of this Agreement with
                respect
                to the Return on Average Assets financial covenant set forth in the
                loan
                documents between the Borrower and SunTrust Bank, N.A. shall not
                be a
                default hereunder provided that all Indebtedness of the Borrower
                to
                SunTrust Bank, N.A. is fully paid-off contemporaneously with the
                execution
                and delivry of this Agreement.

            

    

    

    
      	 	
              C.

            	
              In
                the event (1) there is a default under the terms of any Related Document
                that is not cured within any cure period specified therein; or (2)
                the
                Borrower fails to comply with, or pay, or perform under any agreement,
                now
                or hereafter in effect, between the Borrower and JPMorgan
                Chase & Co.,
                or any of its Subsidiaries or Affiliates or their successors and
                assigns
                and the failure to comply with, pay or perform is not cured within
                any
                cure period specified in such
                agreement.

            

    

    

    
      	 	
              D.

            	
              The
                Borrower, any of its Subsidiaries or any other Obligor becomes insolvent
                or unable to pay its debts as they become
                due.

            

    

    

    
      	 	
              E.

            	
              The
                Borrower, any of its Subsidiaries or any other Obligor (1) makes
                an
                assignment for the benefit of creditors; (2) consents to the appointment
                of a custodian, receiver, or trustee for itself or for a substantial
                part
                of its assets; or (3) commences any proceeding under any bankruptcy,
                reorganization, liquidation, insolvency or similar laws of any
                jurisdiction.

            

    

    

    
      	 	
              F.

            	
              A
                custodian, receiver, conservator or trustee is appointed for the
                Borrower,
                any Subsidiary of the Borrower or any other Obligor or for a substantial
                part of its assets.

            

    

    

    
      	 	
              G.

            	
              Proceedings
                are commenced against the Borrower, any Subsidiary of the Borrower
                or any
                other Obligor under any bankruptcy, reorganization, liquidation,
                or
                similar laws of any jurisdiction, and they remain undismissed for
                thirty
                (30) days after commencement; or the Borrower any Subsidiary of the
                Borrower or any other Obligor consents to the commencement of those
                proceedings.

            

    

    

    
      	 	
              H.

            	
              If
                any of the Borrower's assets having an aggregate fair market value
                in
                excess of $1,000,000.00, in the Bank’s reasonable estimate, are attached,
                seized, subjected to a writ, or are levied upon or become subject
                to any
                Lien (with the exception of statutory Liens) or come within the possession
                of any receiver, trustee, custodian or assignee for the benefit of
                creditors; or if a notice of Lien, levy or assessment is filed of
                record
                or given to the Borrower or any Subsidiary of the Borrower with respect
                to
                all or any of their respective assets by any Governmental
                Authority.

            

    

     

    9

    
 

    
      	 	
              I.

            	
              The
                FRB, the FDIC, the OCC, the OTS, the SEC, any State Authority, or
                any
                other Governmental Authority charged with the regulation of bank
                holding
                companies or financial institutions issues
                to the Borrower or any of its Subsidiaries, or initiates through
                formal
                proceedings any action, suit or proceeding to obtain against, impose
                on or
                require from the Borrower or any of its Subsidiaries a cease and
                desist
                order or similar regulatory order, injunction, temporary restraining
                order, the assessment of civil monetary penalties in an amount greater
                than $1,000,000.00, articles of agreement that have any Material
                Adverse
                Effect, a memorandum of understanding that has any Material Adverse
                Effect, a capital directive, a capital restoration plan, restrictions
                (other than board resolutions adopted at the direction of a Governmental
                Authority) that prevent or as a practical matter impair the payment
                of
                dividends by any of its Subsidiaries, the payments of any Indebtedness
                by
                the Borrower or the conduct of any or all of the business affairs
                of the
                Borrower or any of its Subsidiaries, restrictions (other than board
                resolutions adopted at the direction of a Governmental Authority)
                that
                make the payment of the dividends by any of its Subsidiaries, the
                payment
                of Indebtedness by the Borrower or the conduct of any or all of the
                business affairs of the Borrower or any of its Subsidiaries subject
                to
                prior regulatory approval, a notice or finding under subsection 8(a)
                of
                the Federal Deposit Insurance Act, as amended, or any similar enforcement
                action, measure or proceeding.

            

    

    

    
      	 	
              J.

            	
              If
                the Borrower or any of its Subsidiaries continues to be in default
                in any
                payment of principal or interest for any other indebtedness for borrowed
                money or in default in the performance of any other term, condition
                or
                covenant contained in any agreement (including, but not limited to,
                an
                agreement in connection with the acquisition of capital equipment
                on a
                title retention or net lease basis), under which any such indebtedness
                is
                created the effect of which default in performance is to cause or
                permit
                the holder of the indebtedness to cause the indebtedness to become
                due
                prior to its stated maturity. 

            

    

    

    
      	 	
              K.

            	
              A
                change of control of the Borrower shall occur or the Borrower shall
                have
                the option, exercisable on at least one Business Day’s prior notice, upon
                the consummation, in whole or in part, of any transaction effecting
                any
                change of control of the Borrower that, in either case, has been
                approved
                as such, or is required to be approved by any Governmental
                Agency.

            

    

    

    
      	 	
              L.

            	
              A
                material adverse change occurs in the assets, liabilities, actual
                or
                prospective financial condition, business or affairs of the Borrower,
                any
                of its Subsidiaries, or any other
                Obligor.

            

    

    

    
      	7.2  	
              Remedies.
                At
                any time after the occurrence of an Event of Default, the Bank may
                do one
                or more of the following: (1) cease permitting the Borrower to incur
                any
                Liabilities; (2) terminate any commitment of the Bank evidenced by
                any of
                the Notes; (3) declare any of the Notes to be immediately due and
                payable,
                without notice of acceleration, intention to accelerate, presentment
                and
                demand or protest or notice of any kind, all of which are hereby
                expressly
                waived; (4)
                exercise
                all
                rights of setoff that the Bank may have contractually, by law, in
                equity
                or otherwise; and
                (5) exercise any and all other rights pursuant to any of the Related
                Documents, at law, in equity or otherwise. The rights of the Bank
                under
                this agreement and the other Related Documents are in addition to
                other
                rights (including without limitation, other rights of setoff) the
                Bank may
                have contractually, by law, in equity or otherwise, all of which
                are
                cumulative and hereby retained by the Bank. Each
                Obligor agrees to stand still with regard to the Bank's enforcement
                of its
                rights.

            

    

    

    
      	8  	
              Miscellaneous.

            

    

    

    
      	8.1  	
              Notice. Any
                notices and demands under or related to this document shall be in
                writing
                and delivered to the intended party at its address stated herein,
                and if
                to the Bank, at its main office if no other address of the Bank is
                specified herein, by one of the following means: (1) by hand, (2)
                by a
                nationally recognized overnight courier service, or (3) by certified
                mail,
                postage prepaid, with return receipt requested. Notice shall be deemed
                given: (1) upon receipt if delivered by hand, (2) on the Delivery
                Day
                after the day of deposit with a nationally recognized courier service,
                or
                (3) on the third Delivery Day after the notice is deposited in the
                mail.
                "Delivery
                Day"
                means a day other than a Saturday, a Sunday or any other day on which
                national banking associations are authorized to be closed. Any party
                may
                change its address for purposes of the receipt of notices and demands
                by
                giving notice of such change in the manner provided in this
                provision.

            

    

    

    
      	8.2  	
              No
                Waiver.
                No
                delay on the part of the Bank in the exercise of any right or remedy
                waives that right or remedy. No single or partial exercise by the
                Bank of
                any right or remedy precludes any other future exercise of it or
                the
                exercise of any other right or remedy. No waiver or indulgence by
                the Bank
                of any default is effective unless it is in writing and signed by
                the
                Bank, nor shall a waiver on one occasion bar or waive that right
                on any
                future occasion.

            

    

     

    10

    
 

    
      	8.3  	
              Integration.
                This agreement, the Notes, and any agreement related to the Credit
                Facilities embody the entire agreement and understanding of the Borrower
                and the Bank and supersede all prior agreements and understandings
                relating to their subject matter. If any one or more of the obligations
                of
                the Borrower under this agreement or the Notes is invalid, illegal
                or
                unenforceable in any jurisdiction, the validity, legality and
                enforceability of the remaining obligations of the Borrower shall
                not in
                any way be affected or impaired, and the invalidity, illegality or
                unenforceability in one jurisdiction shall not affect the validity,
                legality or enforceability of the obligations of the Borrower under
                this
                agreement or the Notes in any other
                jurisdiction.

            

    

    

    
      	8.4  	
              Relationship
                to Prior Agreement.
                This agreement constitutes an amendment and a restatement of the
                Prior
                Agreement in its entirety.

            

    

    

    
      	8.5  	
              Joint
                and Several Liability.
                Each party executing this agreement as the Borrower is individually,
                jointly and severally liable under this agreement.
                

            

    

    

    
      	8.6  	
              Choice
                of Law.
                THIS AGREEMENT SHALL BE DEEMED TO BE EXECUTED AND HAS BEEN DELIVERED
                AND
                ACCEPTED IN CHICAGO, ILLINOIS BY SIGNING AND DELIVERING IT THERE.
                ANY
                DISPUTE BETWEEN THE PARTIES HERETO ARISING OUT OF, CONNECTED WITH,
                RELATED
                TO, OR INCIDENTAL TO THE RELATIONSHIP ESTABLISHED BETWEEN THEM IN
                CONNECTION WITH THIS AGREEMENT, AND WHETHER ARISING IN CONTRACT,
                TORT,
                EQUITY, OR OTHERWISE, SHALL BE RESOLVED IN ACCORDANCE WITH THE INTERNAL
                LAWS AND NOT THE CONFLICTS OF LAW PROVISIONS OF THE STATE OF ILLINOIS.
                

            

    

    

    
      	8.7  	
              Consent
                to Jurisdiction.
                THE BANK AND THE BORROWER AGREE THAT ALL DISPUTES BETWEEN THEM ARISING
                OUT
                OF, CONNECTED WITH, RELATED TO OR INCIDENTAL TO THE RELATIONSHIP
                ESTABLISHED BETWEEN THEM IN CONNECTION WITH THIS AGREEMENT OR ANY
                OF THE
                OTHER RELATED DOCUMENTS, AND WHETHER ARISING IN CONTRACT, TORT, EQUITY
                OR
                OTHERWISE, SHALL BE RESOLVED ONLY BY STATE OR FEDERAL COURTS LOCATED
                IN
                COOK COUNTY, ILLINOIS BUT THE BANK AND THE BORROWER ACKNOWLEDGE THAT
                ANY
                APPEALS FROM THOSE COURTS MAY HAVE TO BE HEARD BY A COURT LOCATED
                OUTSIDE
                OF COOK COUNTY, ILLINOIS. THE BORROWER WAIVES IN ALL DISPUTES ANY
                OBJECTION THAT IT MAY HAVE TO THE LOCATION OF THE COURT CONSIDERING
                THE
                DISPUTE.

            

    

    

    
      	8.8  	
              Captions.
                Section headings and titles are for convenience of reference only
                and do
                not affect the interpretation of this
                agreement.

            

    

    

    
      	8.9  	
              Creditors
                Proceedings.
                In
                any action or proceeding involving any state corporate law, or any
                state,
                federal or foreign bankruptcy, insolvency, reorganization or other
                law
                affecting the rights of creditors generally, if the obligations of
                the
                Borrower under this agreement would otherwise be held or determined
                to be
                avoidable, invalid or unenforceable on account of the amount of the
                Borrower’s liability under this agreement, then, notwithstanding any other
                provision of this agreement to the contrary, the amount of such liability
                shall, without any further action by the Borrower or the Bank, be
                automatically limited and reduced to the highest amount that is valid
                and
                enforceable as determined in such action or
                proceeding.

            

    

    

    
      	8.10  	
              Survival
                of Representations and Warranties.
                The Borrower understands and agrees that in extending the Credit
                Facilities, the Bank is relying on all representations, warranties,
                and
                covenants made by the Borrower and the other Parties in this agreement,
                any other Related Documents or in any certificate or other instrument
                delivered by the Parties. The Borrower further agrees that regardless
                of
                any investigation made by the Bank, all such representations, warranties
                and covenants will survive the making of the Credit Facilities and
                delivery to the Bank of this agreement, shall be continuing in nature,
                and
                shall remain in full force and effect until such time as the Liabilities
                to the Bank shall be paid in full.

            

    

     

    11

    
 

    
      	8.11  	
              Non-Liability
                of the Bank.
                The relationship of the Borrower and the Bank created by this agreement
                is
                strictly a debtor and creditor relationship and not fiduciary in
                nature,
                nor is the relationship to be construed as creating any partnership
                or
                joint venture between the Bank and the Borrower. The Borrower is
                exercising the Borrower’s own judgement with respect to the Borrower's
                business. All information supplied to the Bank is for the Bank's
                protection only and no other party is entitled to rely on such
                information. There is no duty for Bank to review, inspect, supervise
                or
                inform the Borrower of any matter with respect to the Borrower's
                business.
                The Bank and the Borrower intend that the Bank may reasonably rely
                on all
                information supplied by the Borrower or any other Parties to the
                Bank,
                together with all representations and warranties given by the Borrower
                and
                the other Parties to the Bank, without investigation or confirmation
                by
                the Bank and that any investigation or failure to investigate will
                not
                diminish the Bank's right to so rely.

            

    

    

    
      	8.12  	
              Indemnification
                of the Bank.
                The Borrower
                agrees to indemnify, defend and hold the Bank, its parent companies,
                subsidiaries, affiliates, their respective successors and assigns
                and each
                of their respective shareholders, directors, officers, employees
                and
                agents (collectively, the "Indemnified
                Persons")
                harmless from any and against any and all loss, liability, obligation,
                damage, penalty, judgment, claim, deficiency, expense, interest,
                penalties, attorneys' fees (including the fees and expenses of attorneys
                engaged by the Indemnified Person at the Indemnified Person's reasonable
                discretion) and amounts paid in settlement ("Claims")
                to which any Indemnified Person may become subject arising
                out of or relating to this agreement or the collateral, except to
                the
                limited extent that the Claims are proximately caused by the Indemnified
                Person’s gross
                negligence or willful misconduct.
                The indemnification provided for in this paragraph shall survive
                the
                termination of this agreement and shall not be affected by the presence,
                absence or amount of or the payment or nonpayment of any claim under,
                any
                insurance.

            

    

    

    
      	8.13  	
              Counterparts.
                This agreement may be executed in multiple counterparts, each of
                which,
                when so executed, shall be deemed an original, but all such counterparts,
                taken together, shall constitute one and the same
                agreement.

            

    

    

    
      	8.14  	
              Sole
                Discretion of the Bank.
                Whenever the Bank's consent or approval is required under this agreement,
                the decision as to whether or not to consent or approve shall
                be
                in the sole and exclusive discretion of the Bank and the Bank's decision
                shall be final and conclusive.

            

    

    

    
      	8.15  	
              Recovery
                of Additional Costs. If
                the imposition of or any change in any law, rule, regulation, or
                guideline, or the interpretation or application of any thereof by
                any
                court or administrative or governmental authority (including any
                request
                or policy not having the force of law) shall impose, modify, or make
                applicable any taxes (except federal, state, or local income or franchise
                taxes imposed on the Bank), reserve requirements, capital adequacy
                requirements, or other obligations which would (1) increase the cost
                to
                the Bank for extending or maintaining the Credit Facilities; (2)
                reduce
                the amounts payable to the Bank under the Credit Facilities; or (3)
                reduce
                the rate of return on the Bank's capital as a consequence of the
                Bank's
                obligations with respect to the Credit Facilities, then the Borrower
                agrees to pay the Bank such additional amounts as will compensate
                the Bank
                therefor, within five (5) days after the Bank's written demand for
                such
                payment. The Bank's demand shall be accompanied by an explanation
                of such
                imposition or charge and a calculation in reasonable detail of the
                additional amounts payable by the Borrower which explanation and
                calculations shall be conclusive in the absence of manifest
                error.

            

    

    

    
      	8.16  	
              Conflicting
                Terms.
                If
                this agreement is inconsistent with any provision in any Related
                Documents, the Bank shall determine, in the Bank's sole and absolute
                discretion, which of the provisions shall control any such
                inconsistency.

            

    

    

    
      	8.17  	
              Expenses.
                To
                the extent not prohibited by applicable law and whether or not the
                transactions contemplated by this agreement are consummated, the
                Borrower
                is liable to the Bank and agrees to pay on demand all reasonable
                costs and
                expenses of every kind incurred (or charged by internal allocation)
                in
                connection with the negotiation, preparation, execution, filing,
                recording, modification, supplementing and waiver of the Related
                Documents, the making, servicing and collection of the Credit Facilities
                and the realization on any collateral, and any other amounts owed
                under
                the Related Documents, including without limitation reasonable attorneys'
                fees (including counsel for the Bank that are employees of the Bank
                or its
                affiliates) and court costs. These costs and expenses include without
                limitation any costs or expenses incurred by the Bank in any proceeding
                involving any of the Parties or property of any of the Parties. The
                obligations of the Borrower under this section shall survive the
                termination of this agreement. 

            

    

     

     

    12

    
      	8.18  	
              Reinstatement. The
                Borrower agrees that to the extent any payment or transfer is received
                by
                the Bank in connection with the Liabilities, and all or any part
                of the
                payment or transfer is subsequently invalidated, declared to be fraudulent
                or preferential, set aside or required to be repaid or transferred
                by the
                Bank or paid or transferred over to a trustee, receiver or any other
                entity, whether under any proceeding or otherwise (any of those payments
                or transfers is hereinafter referred to as a "Preferential
                Payment"),
                then this agreement and the Credit Facilities shall continue to be
                effective or shall be reinstated, as the case may be, even if all
                those
                Liabilities have been paid in full and whether or not the Bank is
                in
                possession of the Notes and whether any of the Notes has been marked,
                paid, released or cancelled, or returned to the Borrower and, to
                the
                extent of the payment, repayment or other transfer by the Bank, the
                Liabilities or part intended to be satisfied by the Preferential
                Payment
                shall be revived and continued in full force and effect as if the
                Preferential Payment had not been made. The obligations of the Borrower
                under this section shall survive the termination of this agreement.
                

            

    

    

    
      	8.19  	
              Severability.
                If
                any provision of this agreement cannot be enforced, the remaining
                portions
                of this agreement shall continue in
                effect.

            

    

    

    
      	8.20  	
              Assignments.
                The Borrower agrees that
                the Bank may provide any information or knowledge the Bank may have
                about
                the Borrower or about any matter relating to the Notes or the Related
                Documents to JPMorgan Chase & Co., or any of its subsidiaries or
                affiliates or their successors, or to any one or more purchasers
                or
                potential purchasers of the Notes or the Related Documents or any
                participation therein. The Borrower agrees that the Bank may at any
                time
                sell, assign or transfer one or more interests or participations
                in all or
                any part of its rights and obligations in the Notes to one or more
                purchasers whether or not related to the
                Bank.

            

    

    

    
      	8.21  	
              Waivers.
                All Obligors jointly and severally waive notice, demand, presentment
                for
                payment, notice of nonpayment, notice of acceleration, protest, notice
                of
                protest, and the filing of suit and diligence in collecting the Notes
                and
                all other demands and notices, and consents and agrees that the Obligor’s
                liabilities and obligations shall not be released or discharged by
                any or
                all of the following, whether with or without notice to the Obligor
                or any
                other Obligor, and whether before or after the maturity of the Notes:
                (1)
                extensions of the time of payment; (2) renewals; (3) acceptances
                of
                partial payments; and (4) releases or substitutions of any Collateral
                or
                any Obligor.  The
                Bank may waive or delay enforcing any of its rights without losing
                them.
                Each Obligor agrees that acceptance of any partial payment shall
                not
                constitute a waiver and that waiver of any default shall not constitute
                waiver of any prior or subsequent default. Any waiver affects only
                the
                specific terms and time period stated in the waiver. No modification
                or
                waiver of this Agreement is effective unless it is in writing and
                signed
                by the party against whom it is being enforced. Nothing herein is
                intended
                to waive or vary the duties of the Bank or the rights of the Borrower
                in
                violation of any provision of the Uniform Commercial Code as adopted
                in
                the State of Illinois, as amended from time to time, that would prohibit
                the waiver or variation of those duties and rights by agreement of
                the
                parties. 

            

    

    

    
      	9  	
              USA
                PATRIOT ACT NOTIFICATION.
                The following notification is provided to the Borrower pursuant to
                Section
                326 of the USA Patriot Act of 2001, 31 U.S.C. Section
                5318:

            

    

    

    IMPORTANT
      INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. To help the government
      fight the funding of terrorism and money laundering activities, Federal law
      requires all financial institutions to obtain, verify, and record information
      that identifies each person or entity that opens an account, including any
      deposit account, treasury management account, loan, other extension of credit,
      or other financial services product. What this means for the Borrower: When
      the
      Borrower opens
      an
      account, if the Borrower is an individual Bank will ask for the Borrower’s name,
      taxpayer identification number, residential address, date of birth, and other
      information that will allow Bank to identify the Borrower, and if the Borrower
      is not an individual Bank will ask for the Borrower’s name, taxpayer
      identification number, business address, and other information that will allow
      Bank to identify the Borrower. Bank may also ask, if the Borrower is an
      individual to see the Borrower’s driver’s license or other identifying
      documents, and if the Borrower is not an individual to see the Borrower’s legal
      organizational documents or other identifying documents.

    

    
      	10  	
              WAIVER
                OF SPECIAL DAMAGES.
                THE BORROWER WAIVES, TO THE MAXIMUM EXTENT NOT PROHIBITED BY LAW,
                ANY
                RIGHT THE UNDERSIGNED MAY HAVE TO CLAIM OR RECOVER FROM THE BANK
                IN ANY
                LEGAL ACTION OR PROCEEDING ANY SPECIAL, EXEMPLARY, PUNITIVE OR
                CONSEQUENTIAL DAMAGES. 

            

    

    

    
      	11  	
              JURY
                WAIVER.
                THE BORROWER AND THE BANK VOLUNTARILY, KNOWINGLY, IRREVOCABLY AND
                UNCONDITIONALLY WAIVE ANY RIGHT TO HAVE A JURY PARTICIPATE IN RESOLVING
                ANY DISPUTE (WHETHER BASED ON CONTRACT, TORT, OR OTHERWISE) BETWEEN
                THE
                BORROWER AND THE BANK ARISING OUT OF OR IN ANY WAY RELATED TO THIS
                AGREEMENT AND THE RELATED DOCUMENTS. THIS PROVISION IS A MATERIAL
                INDUCEMENT TO THE BANK TO PROVIDE THE CREDIT FACILITIES.
                

            

    

     

    13

    

     

    
      	 	 Borrower:
	 	 
	 	 WESBANCO,
              INC.
	 	 
	 	 By: 
              /s/ Robert H. Young     
	 	 
	 	 Name: Robert H.
              Young 
	 	 
	 	 Title: Executive V/P - Chief
              Financial Officer    
	 	 
	 	 
	 	 Bank:
	 	 
	 	 JPMORGAN CHASE BANK, N.A.
	 	 
	 	 By: /s/ Chris
              Cavacini 
	 	 
	 	 Name: Chris
              Cavacini 
	 	 
	 	 Title: Vice
              President 

    

     

     

     

    
 

     

    14

    

 

    
      	 	 	 	 

    

    ANNEX
      I - SUBSIDIARIES

    

    

    
      	
              Subsidiary
                Name

            	
              State
                Where Organized

            	
              %
                Owned/ Owned By 

            
	
              HOMETOWN
                FINANCE COMPANY

            	
              WV

            	
              100.00%
                by Borrower

            
	
              WESBANCO
                SECURITIES, INC.

            	
              OH

            	
              100.00%
                by Borrower

            
	
              WESBANCO
                BANK, INC.

            	
              WV

            	
              100.00%
                by Borrower

            
	
              WESBANCO
                INSURANCE SERVICES, INC.

            	
              WV

            	
              100.00%
                by Wesbanco Bank, Inc.

            
	
              WESBANCO
                ASSET MANAGEMENT, INC.

            	
              DE

            	
              100.00%
                by Wesbanco Bank, Inc.

            
	
              WESBANCO
                SERVICES, INC.

            	
              DE

            	
              100.00%
                by Wesbanco Asset Management, Inc.

            
	
              WESBANCO
                PROPERTIES, INC.

            	
              WV

            	
              100.00%
                by Borrower

            
	 	 	 
	 	 	 
	 	 	 
	 	 	 

    

    

    

    

    

    

    EXHIBIT
      A
      to Credit Agreement between

    WesBanco,
      Inc. (the
      "Borrower")
      and
      JPMorgan Chase Bank, N.A. (the "Bank")

    dated
      as
      of __________, 2006, as same may be amended, restated and supplemented in
      writing.

    

    REPORTING
      REQUIREMENTS, FINANCIAL COVENANTS AND

    COMPLIANCE
      CERTIFICATE FOR CURRENT REPORTING PERIOD ENDING  _  ,
      200_  ("END
      DATE")

    

    
      	
              A.

            	
              REPORTING
                PERIOD.
                THIS EXHIBIT WILL BE IN PROPER FORM AND SUBMITTED WITHIN 45 DAYS
                OF THE
                END OF EACH CALENDAR QUARTER INCLUDING THE LAST REPORTING PERIOD
                OF THE
                FISCAL YEAR.

            

    

    

    BORROWER'S
      FISCAL YEAR ENDS ON _,
      200_.

    
      	
               

              B.
                Financial
                Reporting.
                The Borrower will provide the following financial information in
                Proper
                Form within the times indicated:

               

            	
               

              Compliance

              Certificate

               

            
	
               

              WHO

            	
               

              WHEN
                DUE

               

            	
               

              WHAT

               

            	
               

              (Circle)

               

            
	
              The
                Borrower and the Borrower’s Subsidiaries

               

               

            	
              (i)
                Within 90 days of fiscal year end

            	
              Annual
                report and financial statements (balance sheet, income statement,
                cash
                flow statement) audited (with unqualified opinion) by independent
                certified public accountants satisfactory to the Bank and prepared
                in
                accordance with generally accepted accounting principles, consistently
                applied on consolidated and consolidating bases, accompanied by this
                Compliance Certificate

            	
              Yes       
                No

            
	 	
              (ii)
                Within 45 days of each Reporting Period End Date, including
                the final period of the fiscal year

            	
              A
                copy of all call reports filed with any Governmental Authority for
                each of
                the Borrower's financial institution Subsidiaries

            	
              Yes     
                 No

            
	 	
              (iii)
                Within 45 days of each Reporting Period End Date, excluding
                the final period of the fiscal year

            	
              A
                copy of the Borrower’s quarterly call report as filed with its primary
                federal Governmental Authority

            	
              Yes     
                 No 

            
	
               

              C.
                Other
                Required Covenants to be maintained and/or to be specifically
                certified. COMPLIANCE
                CERTIFICATE

               

            	 
	
               

              REQUIRED

            	
               

              ACTUAL
                REPORTED

            	
              Compliance(Circle)

               

            
	
              (i)
                Borrower
                shall at all times the categorization of each of its financial institution
                Subsidiaries as ‘Well Capitalized’ as defined by the regulations of the
                applicable primary federal Governmental Authority. [Section
                4.9]

            	
               

               

               

               

              Each
                financial institutions Subsidiary Well Capitalized? 

               

            	
               

              Yes  
                 No

               

            
	
               

              (ii)
                Borrower
                shall maintain at all times a “Consolidated
                Non-Performing Assets Ratio”
                of
                not greater than one and 75/100 percent (1.75%). [Section 4.10,
                Non-Performing Assets (including OREO) / Total Loans + OREO]

               

            	
               

              Borrower’s
                Consolidated Non-Performing Assets Ratio ____%

               

               

               

               

            	
               

              Yes   
                No

               

            

    

    

    THE
      ABOVE
      SUMMARY REPRESENTS SOME OF THE COVENANTS AND AGREEMENTS CONTAINED IN THE
      AGREEMENT AND DOES NOT IN ANY WAY RESTRICT OR MODIFY THE TERMS AND CONDITIONS
      OF
      THE AGREEMENT. IN CASE OF CONFLICT BETWEEN THIS EXHIBIT A AND THE AGREEMENT,
      THE
      AGREEMENT SHALL CONTROL.

    

    The
      undersigned hereby certifies that the above information and computations are
      true and correct and not misleading as of the date hereof, and that since the
      date of the Borrower's most recent Compliance Certificate (if any):

    

    
      	 	
               ̈

            	
              No
                default or Event of Default has occurred under the agreement during
                the
                current Reporting Period, or been discovered from a prior period,
                and not
                reported. 

            

    

    
      	 	
               ̈

            	
              A
                default or Event of Default (as described below) has occurred during
                the
                current Reporting Period or has been discovered from a prior period
                and is
                being reported for the first time
                and:

            

    

           
        ̈
      was
      cured on __________________________ .

     ̈
      was
      waived by the Bank in writing on ______________________________ .

     ̈
      is
      continuing.

    

    Description
      of Event of Default:
      ____________________________________________________________

    

     

    

     

    

    Executed
      this _____ day of _________________, 200 .
      

    

    

    

    

    
      	 	
               

              WESBANCO,
                INC.

               

              By: 

            
	 	
               

              Name: 

            
	 	
               

              Title:Line of Credit Note

    EXHIBIT
      10.2

    
 

    
      	
               

              Chase

            	
              Line
                of Credit Note

            
	 	
               

              $35,000,000.00

            
	 	
              Date:
                July 12, 2006 

            

    

    

    Promise
      to Pay.
      On or
      before July 12, 2007, for value received, WesBanco, Inc. (the "Borrower")
      promises to pay to JPMorgan
      Chase Bank, N.A.,
      whose
      address is 120 South La Salle Street, 6th
      Floor,
      Chicago, IL 60603-3403 (the "Bank") or order, in lawful money of the United
      States of America, the sum of Thirty-Five
      Million and 00/100 Dollars ($35,000,000.00)
      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.

    

    "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 October 12, 2006.

    

    The
      Borrower will pay, without setoff, deduction, or counterclaim, the Bank 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. Payments shall 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.

    

    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. 

    

    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. This Note is issued pursuant and entitled to the benefits of that certain
      Credit Agreement by and between the Borrower and the Bank, dated July 12,
      2006,
      and all
      replacements thereof (the
      "Credit Agreement") 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.

    

    

     

     

    
      	 	 	 

              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:

            	  July
              12, 2006

    

     

     

    2

    N.C.
      Shouse OH000002000050731

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