Document:

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                                                                     EXHIBIT 4.2
                                                                     -----------

   LEGEND TO BE PLACED ON CERTIFICATES REPRESENTING SHARES ISSUED PURSUANT TO
      OFFERINGS EXEMPT FROM REGISTRATION UNDER THE FEDERAL SECURITIES LAWS

The following legend appears on all stock certificates issued by the Company
pursuant to offerings exempt from registration under the federal securities
laws pursuant to the "intrastate offering exemption" provided by Section
3(a)(11) of the Securities Act of 1933 and Rule 147 thereunder.

The shares represented by this certificate have not been registered under the
Securities Act of 1933 (the "Act") but have been sold pursuant to an exemption
from the registration provisions of the Act under Section 3(a)(11) of that Act
and Rule 147 promulgated thereunder. Such shares may not be resold outside the
State of Ohio for nine (9) months after issuance.<PAGE>

                                                                    EXHIBIT 10.9

                                      LEASE

      THIS INSTRUMENT OF LEASE made this 28th day of July, 2004, by and between
WESTERN RESERVE OF BRECKSVILLE, LLC., (hereinafter called "LANDLORD") and
WESTERN RESERVE BANK (hereinafter called "TENANT").

                                   WITNESSETH:

      SPACE RENTED: That the Landlord does hereby let and lease to the Tenant
the following described Premises, to-wit: 8751 BRECKSVILLE ROAD, SUITE 100,
BRECKSVILLE, OHIO 44141 (the "Premises") and in addition thereto Tenant's pro
rata share of the common area space of the entire building. Together such total
leased space is hereby described as the "Leased Rentable Space."

      TERM: The Tenant shall have and hold the Leased Rentable Space for the
full term of Ten (10) year(s), beginning on October 1, 2004 and terminating
September 30, 2014.

      RENT: The yearly rental for the first year which shall commence October 1,
2004, shall be One Hundred Fifty Thousand Nine Hundred Twenty-Three 50/100
Dollars ($150,923.50) payable in equal monthly installments of Twelve Thousand
Five Hundred Seventy-Six 96/100 Dollars ($12,576.96), payable on the first day
of each and every month in advance during the term of the Lease. During each
year of this Lease term, the rent shall be increased by 2% over the prior year's
rent. By way of example of the foregoing, the rent for the second year would be
$150,923.50 x 1.02 or $153,941.97, payable in equal and consecutive monthly
installments of $12,828.50 each. Each succeeding year shall be computed
accordingly. Failure of the Tenant to make monthly installments as required
under the terms of this Lease shall be considered a violation of this Lease and
the Landlord may take whatever action is necessary to secure his rights under
this Lease. Failure to make the monthly rental payment within five (5) days
after the due date shall result in a late charge

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of 5% of the outstanding balance. Said charge shall be billed each and every
month thereafter as long as there is an outstanding balance.

      OPTION TO EXTEND: Tenant, may be written notice to Landlord not less than
ninety (90) days prior to expiration of the original term of this Lease, extend
this Lease for an additional term of Five (5) years upon the same conditions
provided in the original term of the Lease. Tenant, may be written notice to
Landlord not less than ninety (90) days prior to expiration of the five-year
option of this Lease, extend this Lease for an additional term of Five (5) years
upon the same conditions provided in the original term of the Lease.

      UTILITIES: Tenant shall promptly pay for utilities rendered or furnished
to the Premises and Tenant's pro rata share of the commonly metered utilities
during the term of this Lease, including water, gas, electricity, trash and
sewer charges. Since utilities may not be individually metered, Tenant is
responsible for paying a pro rata share of all utilities paid by Landlord.
Landlord shall not be responsible to Tenant in damages or otherwise if any one
or more of said utility services or obligations is interrupted or terminated by
reason of any cause beyond Landlord's reasonable control. No such interruption
or termination of utility services shall relieve Tenant from any of its
obligations under this Lease. Tenant shall be responsible for any damage to
building caused by Tenant's failure to pay utility services that are
individually metered to the Premises that Tenant is required to pay.

      COMMON AREA MAINTENANCE AND REPAIR: Tenant shall be responsible for its
pro rata share of all common area maintenance expenses and repairs, including
exterior, interior, roof, parking lot and all other exterior and interior
structural fixtures and equipment, including HVAC systems.

      REAL ESTATE TAXES AND INSURANCE: Tenant shall also pay its pro rata share
of all real estate taxes and assessments levied on the leased Premises and
insurance premiums for fire and extended hazard and all other insurance premiums
including liability insurance for the leased Premises.

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      PRO RATA SHARE: Tenant's "pro rata share" shall be the ratio or percentage
which the number of leased rentable space bears to the total number of square
feet of gross rentable floor area of the entire building. The total gross
rentable floor area of the building is 10,749 square feet; the number of leased
rentable square feet of floor area of Tenant's suite is 5,642; Tenant's pro rata
share is 52.5%.

      TRIPLE NET LEASE: This Lease is and shall be deemed and construed to be a
"pure net" or "triple net" Lease and the fixed rent and supplemental payments,
including payments for all third-party billings, shall be net to the Landlord in
each month during the term of this Lease.

      COVENANTS OF TENANT: Tenant does hereby covenant and agree with Landlord
as follows:

      1. Tenant's Premises shall be constructed according to the plans and
specifications attached hereto as Exhibit "A" and made a part hereof. In
addition, Landlord shall grant to Tenant an improvement allowance of Twenty-Five
Dollars ($25.00) per square foot or One Hundred Forty-One Thousand Fifty Dollars
($141,050.00).

      2. Tenant will pay said rent at the time and place in the manner
aforesaid.

      3. Tenant will make all repairs caused by its negligence to the interior
of the Premises and it will indemnify and save harmless said Landlord from and
against all liens, claims or damages by reason of any repairs or improvements
which may be made by said Tenant on said Premises. The Tenant will make no
changes to the Premises without the consent of the Landlord.

      4. Tenant will use and occupy said Premises in a careful, safe and proper
manner.

      5. Tenant will fully comply with and obey all laws, ordinances, rules,
regulations, and requirements of all regularly constituted authorities in any
way affecting said Premises, or the use thereof, of this Lease.

      6. Tenant will not commit or suffer any waste therein.

      7. Tenant will not manufacture or sell, or permit to be sold on the
Premises during said term, any intoxicating liquor.

      8. Tenant will not assign this Lease, or underlet said Premises or any
part thereof, without

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the written consent of the Landlord, consent of which shall not be unreasonably
withheld.

      9. Tenant will make no change in the construction of the building on said
Premises without the prior written consent of the Landlord.

      10. Tenant will not cause damage or attach anything to the woodwork or
doors on said Premises. However, Tenant may install a door closure that shall be
mounted to the interior of the door within the suite.

      11. Tenant will permit said Landlord or agents of the Landlord upon
reasonable notice to enter upon said Premises at all reasonable times to examine
the condition of said Premises except notice may be dispensed with should entry
upon said Premises by Landlord be necessitated by emergency. Landlord and its
agents shall have the right to exhibit the Premises and to display the usual
"for rent" or "vacancy" signs on the Premises at any time within thirty (30)
days before the expiration of this Lease.

      12. Landlord shall not be liable to the Tenant or any other person for any
damage to person or property on said Premises.

      13. Tenant will pay all loss and damage occasioned by or growing out of
the use and occupation of said Premises by the Tenant and/or the agents,
subtenants or employees of the Tenant, and that the Tenant will indemnify,
protect and save harmless the Landlord from and against any loss or liability
thereby or therefrom; and from and against any expense, cost and attorney fees
incurred in connection with any such claim.

      Tenant shall maintain, at its own expense, fire and extended coverage
insurance upon the Lease improvements and betterments, trade fixtures and
equipment, stock in trade, furnishings and other appurtenances to its business,
in an amount not less than 80 percent (80%) of its full insurable value. In
addition, Tenant agrees to maintain both Tenant and Landlord as insured with
single limits of $1,000,000.00 for bodily injury to or death of one or more
persons and $100,000.00 on account of damage to property arising out of the use
and occupancy by Tenant, its agents, employees, licensees and invitees of the
Premises and/or common areas.

      14. All property owned or belonging to Tenant in said building or upon
said Premises shall

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be situated thereon at the sole risk of the Tenant. The Tenant shall do nothing
to increase the insurance risk to the building and any conduct on the part of
the Tenant which would increase the insurance premium shall be considered a
breach of this agreement.

      15. Tenant will surrender and deliver up said Premises at the end of said
term in as good order and condition as the same now are or may be put by the
Landlord, reasonable use and natural wear and tear, or unavoidable casualty
excepted.

      16. Tenant will be responsible for the replacement of all light bulbs,
pest control, and repair of clogged toilets and drains within the Premises.

      17. Tenant shall not permit animals of any kind, with the exception of
guide dogs for the handicapped, upon the Premises nor in any way utilize the
Premises for a purpose other than to conduct the activity which is set forth
under the section entitled "Use of the Premises."

      18. Tenant shall erect only such signs advertising Tenant's business as
shall be in conformity with all applicable codes and ordinances and shall be
approved by Landlord, in writing, as to the size, type, color, style and
location thereof, which approval shall not be unreasonably withheld. Tenant
shall be responsible for all costs associated with the fabrication and
installation of lettering for said signage. Upon vacating the Premises, Tenant
agrees to remove all signs and repair all damages caused by such removal.

      19. Tenant shall be responsible for cleaning its own Premises. Landlord
shall be responsible for cleaning the common areas at Tenant's pro rata cost in
accordance with the provisions on maintenance and repair hereinabove set forth.

      20. If Tenant changes the locks on its doors at any time during the term
of this Lease or any renewal of same, Tenant will cause the locksmith to key new
locks to the Landlord's master key and provide two (2) new keys to Landlord.
Tenant is permitted to make copies of keys for the Premises, provided keys are
made with the locksmith designated by Landlord.

      21. Tenant shall place floor mats of sufficient size and strength under
any desks being placed and used in the Premises so as to avoid any damage to the
flooring and carpeting of the Premises.

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      22. Tenant shall maintain the Premises as a smoke-free environment.

      23. Tenant is responsible for window cleaning inside the suite. If said
cleaning is not done on a regular basis, Landlord reserves the right to have the
window cleaning done and to bill Tenant accordingly.

      24. Landlord shall service the HVAC unit(s) to the Premises on a
semi-annual basis. If the nature of Tenant's business requires the HVAC unit be
serviced more frequently (i.e. filter changes) this additional cost shall be the
responsibility of Tenant. If this additional service is required and Tenant
fails to properly maintain the HVAC unit, Tenant shall be responsible for
repairs made to the unit. If said service is not done, Landlord reserves the
right to have the HVAC unit serviced and to bill Tenant accordingly.
Additionally, Tenant shall not cause unnecessary strain to the HVAC units by
turning the units off during extreme hot or cold weather.

      25. Tenant shall have use of such parking spaces as are designated by
Landlord.

      26. Tenant shall utilize Premises and common areas in a quiet and
professional manner. Tenant must maintain in a neat and orderly fashion all
areas in the suite that are visible to public areas.

      27. Tenant shall notify Landlord of its intent to install any type of
security or fire system to the Premises.

      28. Tenant shall be responsible for installation and maintenance of fire
extinguishers and maintenance of emergency lights in the Premises that may be
required by the fire marshal.

      COVENANTS OF THE LANDLORD: And said Landlord, its heirs, successors, or
assigns, hereby covenants and agrees with said Tenant, its successors or
assigns:

      1. Tenant paying the rents and keeping and performing the covenants of
this Lease on its part to be kept and performed, said Tenant shall peaceably and
quietly hold, occupy and enjoy said Premises during said term, without any
hindrance or molestation by any person whatsoever.

      2. Landlord will make all necessary repairs to the roof and exterior walls
of said building and keep in repair the electrical system, water system and the
HVAC system in said building and shall repair any damage due to ordinary wear
and tear on said systems. However, the cost of such

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repairs shall be allocated to Tenant in accordance with the provisions on
maintenance and repair hereinabove set forth.

      MUTUAL COVENANTS: The parties to this Lease hereby covenant and agree as
follows:

      1. This Lease and all the covenants, provisions, terms, and conditions and
agreements herein contained shall inure to the benefit of and be binding upon
the heirs, successors, executors, administrators and assigns of the parties.
However, any assignment from, through or under the Tenant in violation of the
covenants, provisions, terms and conditions hereof, or any of them, shall not
vest any right, title or interest whatever in the assignee and shall be null and
void unless expressly assented to in writing by Landlord.

      2. The Landlord and its assigns shall warrant and defend the Tenant in the
enjoyment and peaceable possession of the above demised Premises, during the
term aforesaid, if the Tenant shall perform all and singular the covenants
herein agreed to be performed on the part of the Tenant.

      USE OF THE PREMISES: The Tenant shall have the right to use the Premises
for a bank.

      SECURITY DEPOSIT: Upon signing of this Lease, a security deposit in the
amount of Twelve Thousand Five Hundred Seventy-Six 96/100 Dollars ($12,576.96)
shall be paid to the Landlord. Said deposit shall be returned to the Tenant
without interest upon the completion of the Lease, provided the terms of the
Lease have been met and there has been no damage to the Premises requiring
repair or cleaning.

      DEFAULT: Landlord, in addition to all other remedies given to Landlord in
law or in equity, may, by written notice to Tenant, terminate this Lease, or
without terminating this Lease reenter the Premises by summary proceedings or
otherwise, and may depossess Tenant in any of the following circumstances:

      a. In the event Tenant shall be in default in the payment of rent or any
other additional charge or charges, or in the payment of any other sums of money
required to be paid by Tenant to Landlord under this Lease, and such default
shall continue for a period of ten (10) days after written notice by Landlord to
Tenant to cure such default.

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      b. In the event Tenant shall be in default in the performance of any other
covenants, terms, conditions, provisions, rules and regulations of this Lease,
except those items listed in the above section (a) and if such default is not
cured within thirty (30) days after written notice thereof given by Landlord,
excepting such defaults that cannot be cured completely within such thirty (30)
day period, and Tenant, within said thirty (30) day period promptly commences to
proceed with diligence and in good faith to remedy such default.

      c. If Tenant shall file a petition in bankruptcy; there be filed against
Tenant a petition in bankruptcy which has not been dismissed within ninety (90)
days of filing of said petition; or Tenant be adjudicated a bankrupt; or if
Tenant shall make application for relief under any state or local insolvency
law, or shall make a general assignment for the benefit of creditors, or if a
receiver or trustee shall be appointed for Tenant's property and the same is not
discharged within ninety (90) days, or if the interest of Tenant in the Premises
shall be offered for sale or sold under execution or other legal process.

      d. If Tenant shall vacate the Premises or fail to continuously occupy and
conduct Tenant's business in the Premises.

      Landlord shall have whatever legal rights Landlord is entitled to in order
to remove all persons therefrom, to recover possession thereof by legal
proceedings or otherwise and to use such reasonable force as is necessary to
enter and regain possession thereof as Landlord shall deem proper without being
liable to any civil action or prosecution therefore.

      No such entry by Landlord shall be deemed a termination of this Lease or
an acceptance of a surrender of this Lease. In the event of such reentry,
Landlord shall have the right to relet or subdivide the Premises for any period
equal to or greater than the remainder of the original term of this Lease, for
any rental which it may deem reasonable, to any other tenant which Landlord may
select, and for any use and purpose which Landlord may designate.

      In the event of a reletting, Landlord may apply the rent therefrom first
to the payment of Landlord's expense, including, but not limited to, reasonable
attorney's fees incurred by reason of Tenant's default and the reasonable
expenses of reletting, including, but not limited to, repairs,

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brokerage fees, subdividing, renovation or alteration of the Premises, and then
to the payment of rent and all other sums due from Tenant hereunder, Tenant
remaining liable for any deficiency.

      In the event of a default by Tenant of any of the terms, provisions,
covenants, conditions, rules and regulations of this Lease, Landlord shall have
the right to injunction and the right to invoke any remedy permitted to Landlord
in law or in equity. All remedies available to Landlord are declared to be
cumulative and concurrent. No termination of this Lease, nor any taking or
recovering of possession of the Premises, shall deprive Landlord of any of its
remedies or actions against Tenant for past or future rent, nor shall the
bringing of any action for rent or other default be constructed as a waiver of
the right to obtain possession of the Premises.

      HOLDOVER BY TENANT: If the execution of a new Lease or renewal or
extension of this Lease is not made, and the Tenant remains in possession of the
Premises after expiration of tenancy created hereunder, the Tenant shall be
deemed to be occupying the Premises as a tenant from month to month, at a
monthly rental equal to one hundred twenty-five percent (125%) of the fixed
minimum rent payable during the last month of the Lease term, together with all
additional charges set forth in this Lease.

      COMPLETE AGREEMENT: This Lease contains the entire agreement between the
parties and no agent, representative, or affiliate of Landlord hereto has
authority to make or has made any statement, agreement or representation, either
oral or written, in connection herewith, modifying, adding or changing the terms
and conditions herein set forth. No prior dealings between the parties or custom
shall be permitted to contradict, add to or modify the terms hereof. No
modification of this Lease shall have force or effect unless and until same is
returned to Tenant duly executed by Landlord.

      SUCCESSORS AND ASSIGNS: The conditions, covenants and agreements contained
in this Lease shall be binding upon and inure to the benefit of the parties
hereto and their respective heirs, executors, administrators, successors and
permitted assigns.

      IN WITNESS WHEREOF, the parties hereto have executed this Lease on the
date and year first above written.

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WITNESSES:                                  WESTERN RESERVE OF BRECKSVILLE, LLC.
                                            (LANDLORD)

/s/ Sandra J. Best                          BY:      /s/ Stella Skaljac
Signature
                                            NAME:    Stella Skaljac
Sandra J. Best
Name                                        TITLE:   Secretary

/s/ Catherine L. Doremus
Signature

Catherine L. Doremus
Name

                                            WESTERN RESERVE BANK
                                            (TENANT)

/s/ Ann Michele Piechowiak                  BY:     /s/ Cynthia A. Mahl
Signature
                                            NAME:   Cynthia A. Mahl
Ann Michele Piechowiak
Name                                        TITLE:  Senior Vice President

/s/ Barbara Maddamma
Signature

Barbara Maddamma
Name

This instrument prepared by:

Western Reserve of Brecksville, LLC.
9472 Sherwood Tr.
Brecksville, OH 44141

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STATE OF OHIO     )
                  ) SS
COUNTY OF MEDINA  )

      BEFORE ME, a Notary Public in and for said County and State, personally
appeared the above-named WESTERN RESERVE OF BRECKSVILLE, LLC., by Stella
Skaljac, its Secretary, who acknowledged that he did sign the foregoing
instrument with full authority and that the same was his free act and deed.

      IN WITNESS WHEREOF, I have hereunto set my hand and official seal at
Brecksville, OH this 6th day of October, 2004 .

                                            /s/ Michael J. Gorman
                                            NOTARY PUBLIC

                                            [seal]

STATE OF OHIO     )
                  ) SS
COUNTY OF MEDINA  )

      BEFORE ME, a Notary Public in and for said County and State, personally
appeared the above-named WESTERN RESERVE BANK by Cynthia A. Mahl, its Senior VP,
who acknowledged that they did sign the foregoing instrument with full authority
and the same is their free act and deed.

      IN WITNESS WHEREOF, I have hereunto set my hand and official seal at
Medina, Ohio this 13th day of September, 2004.

                                            /s/ Ann Michele Piechowiak
                                            NOTARY PUBLIC

                                            [seal]

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