Document:

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                                                                   Exhibit 10.18
                                eONE Global, LP
                      California Long-Term Incentive Plan

                       SECURED RECOURSE PROMISSORY NOTE

February 1, 2001                             $16,886,628.00

     FOR VALUE RECEIVED, the undersigned, Garen K. Staglin (the "Borrower"),
                                                                 --------
hereby promises to pay to eONE Global, LP, a Delaware limited partnership (the
"Company"), or to the legal holder of this Note at the time of payment, the
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principal sum of Sixteen Million, Eight Hundred Eighty Six Thousand Six Hundred
Twenty Eight Dollars ($16,886,628) in lawful money of the United States of
America, and to pay simple interest (computed on the basis of a 365 or 366 day
year, as the case may be) on the outstanding principal amount hereof from and
after the date of this Note until the principal amount hereof has been paid in
full, at the rate of 7.4% per annum, such interest payment to be made annually
on February 1 of each year. Such interest rate was determined by calculating the
average of a notional rate of 8.5%, attributable to the 50% of the principal
amount of this Note which is non-recourse, and a notional rate of 6.3%,
attributable to the 50% of the principal amount of this Note which is full
recourse. The entire principal amount of indebtedness evidenced by this Note, to
the extent not theretofore prepaid as provided herein, shall be paid on the
Maturity Date. Each prepayment of principal shall be accompanied by payment of
any accrued and unpaid interest thereon through such prepayment date.

     As used in this Note, the term "Maturity Date" means the earlier of (i) the
                                     -------------
tenth (10/th/) anniversary of the date of this Note and (ii) the date of sale
(as defined in Section 1) of any portion of the Shares.

     If any date set for any payment or prepayment of principal or interest
hereunder is a Saturday, Sunday or legal holiday, then such payment or
prepayment shall be made on the next preceding business day.

     Payment of the principal of and interest on this Note is secured by a
pledge of all partnership interests in the Company acquired by the Borrower (the
"Shares") pursuant to the eONE Global, LP California Long-Term Incentive Plan
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pursuant to, and as more particularly described in, the terms of a Pledge
Agreement of even date herewith between the Borrower and the Company (the
"Pledge Agreement"), reference to which is made for a description of the
 ----------------
collateral provided thereby and the rights of the Company and any subsequent
holder of this Note in respect of such collateral.

     Recourse of the holder of this Note for payment of the principal of and
interest on this Note or any claim based thereon shall be limited, at any given
time, to the sum of 50% of the then outstanding principal amount hereof plus
                                                                        ----
100% of accrued and unpaid interest as of such time. The Borrower hereby
warrants and represents to the Company that the indebtedness evidenced by this
Note is and will be a business purpose loan, the proceeds of which will be used
solely to acquire the Shares.

     This Note is subject to the following further terms and conditions:

          1.   Mandatory Prepayments From Sales of Shares.  If at any time the
               ------------------------------------------
Borrower receives any proceeds from the sale by the Borrower of Shares to
anyone, the proceeds

                                       1
<PAGE>

from such sale of Shares shall be applied to the prepayment first of the accrued
and unpaid interest hereon until paid in full and then to the unpaid principal
hereof. For purposes hereof, the term "sale" in the context of a sale of Shares
                                       ----
shall include, in addition to any direct sale of Shares, any transaction
(including, without limitation, a merger, consolidation or recapitalization)
pursuant to which Shares are converted into a right to receive, in whole or
partial exchange or substitution for Shares, cash or cash equivalents.

          The right of the Borrower to receive proceeds upon the sale of Shares
is subject to the prior right of the Company (or other holder of this Note) (i)
in the case of a sale of Shares to the Company (or other holder of this Note),
in lieu of the Company (or such other holder) paying the proceeds from such sale
to the Borrower or his heirs, successors or permitted assigns to set off first
against the accrued and unpaid interest on this Note and then against the unpaid
principal of this Note an amount equal to the proceeds of such sale, or (ii) in
the case of a sale of Shares to any other person or entity (collectively, the
"Transfer Parties"), in lieu of any of such Transfer Parties paying the purchase
 ----------------
price therefor to the Borrower or his heirs, successors or permitted assigns, to
direct such Transfer Parties to pay an amount equal to the proceeds of such
sale, net of any brokerage commission or underwriting discount, to the Company
(or other holder of this Note) which shall set off such amount first against the
accrued and unpaid interest on this Note and then against the unpaid principal
of this Note.

          Concurrently with any prepayment (including by set-off) of any portion
of the principal amount of this Note pursuant to this Section 1 or Section 2
hereof, the Company (or other holder of this Note) shall make a notation of such
payment hereon.

          If at any time, or from time to time, after the date hereof and
following the occurrence and during the continuance of an Event of Default (as
hereinafter defined), the Borrower shall receive or shall otherwise become
entitled to receive from the Company (or other holder of this Note) any cash
payments, cash dividends or other cash distributions in respect of any Shares,
then and in each case, (i) the Borrower or any of his heirs, successors or
permitted assigns to whom such distribution may be made shall, upon the receipt
thereof, return to the Company (or other holder of this Note) such payments,
dividends and distributions and the Company (or other holder of this Note) shall
apply such amount first to the prepayment of the accrued and unpaid interest on
this Note and then to the unpaid principal of this Note and (ii) the Company (or
other holder of this Note) shall not be obligated to make any such cash payment,
cash dividend or other cash distribution not theretofore made to which the
Borrower, or any of his heirs, successors or permitted assigns are otherwise
entitled in respect of their Shares and may, in lieu of paying such amount to
the Borrower, set off the amount of such cash payment, cash dividend or other
cash distribution first against the accrued and unpaid interest on this Note and
then against the unpaid principal of this Note.

          2.   Payment and Prepayment.  All payments and prepayments of
               ----------------------
principal of and interest on this Note shall be made to the Company or its
order, or to the legal holder of this Note or such holder's order, in lawful
money of the United States of America at the principal offices of the Company
(or at such other place as the holder hereof shall notify the Borrower in
writing).  The Borrower may, at his option, prepay this Note in whole or in part
at any time or from time to time without penalty or premium.  Any prepayments of
any portion of the principal amount of this Note shall be accompanied by payment
of all interest accrued but unpaid hereunder.  Upon final payment in full of
principal and interest of this Note, it shall be surrendered for cancellation
and thereafter shall be cancelled.  The Pledge Agreement requires payment or
prepayment of all obligations under this Note as a condition precedent to the
release

                                       2
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of, or transfer of the Borrower's interests in, the collateral subject to the
Pledge Agreement, all as described more fully in the Pledge Agreement.

          3.   Events of Default.  Upon the occurrence of any of the following
               -----------------
events ("Events of Default"):
         -----------------

          3.1  failure to pay the principal of this Note, or interest thereon,
including any prepayments required hereunder or under the Pledge Agreement,
which shall be unremedied for ten (10) days following the date when such payment
was originally due hereunder; or

          3.2  failure of the Borrower to perform any of the Borrower's
obligations under the Pledge Agreement, which shall remain unremedied for ten
(10) days following notice from the Company;

then, and in any event, the holder of this Note may declare by notice of default
given to the Borrower, the entire principal amount of this Note to be forthwith
due and payable, whereupon the entire principal amount of this Note outstanding
and any accrued and unpaid interest hereunder shall become due and payable
without presentment, demand, protest, notice of dishonor and all other demands
and notices of any kind, all of which are hereby expressly waived.  Upon the
occurrence of an Event of Default, the accrued and unpaid interest hereunder
shall thereafter bear the same rate of interest as on the principal hereunder,
but in no event shall such interest be charged which would violate any
applicable usury law.  If an Event of Default shall occur hereunder, the
Borrower shall pay costs of collection, including reasonable attorneys' fees,
incurred by the holder in the enforcement hereof.

     No delay or failure by the holder of this Note in the exercise of any right
or remedy shall constitute a waiver thereof, and no single or partial exercise
by the holder hereof of any right or remedy shall preclude other or future
exercise thereof or the exercise of any other right or remedy.

          4.   Miscellaneous.
               -------------

          4.1  The provisions of this Note shall be governed by and construed in
accordance with the laws of the State of Delaware, without regard to the
conflicts of law rules thereof.

          4.2  All notices and other communications hereunder shall be in
writing and will be deemed to have been duly given if given in accordance with
Pledge Agreement.

          4.3  The headings contained in this Note are for reference purposes
only and shall not affect in any way the meaning or interpretation of the
provisions hereof.

          4.4  The provisions in this Note are severable, and if any provision
is determined to be prohibited or unenforceable in any jurisdiction, the
remaining provisions shall nevertheless be binding and enforceable.

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<PAGE>

          IN WITNESS WHEREOF, this Secured Recourse Promissory Note has been
duly executed and delivered by the Borrower on this date first above written.

                                           /s/ Garen K. Staglin
                                         --------------------------------
                                         Signature of Borrower

                                           Garen K. Staglin
                                         --------------------------------
                                         Print Name of Borrower

                                       4<PAGE>

                                                                  EXHIBIT (4)(e)

                          REVOLVING CREDIT AGREEMENT

         This Revolving Credit Agreement (the "Agreement") is made and entered
into as of the 29th day of December, 2000 by and between REPUBLIC BANCORP, INC.
(the "Borrower") and FIRSTAR BANK, NATIONAL ASSOCIATION (the "Bank").

                            ARTICLE I. DEFINITIONS

         1.1  Definitions.  Except as otherwise provided, all accounting terms
              -----------
will be construed in accordance with generally accepted accounting principles
consistently applied and consistent with those applied in the preparation of the
financial statements referred to in paragraph 4.11, and financial data submitted
pursuant to this Agreement will be prepared in accordance with such principles.
Terms not defined herein which are defined in the Borrower's Debenture Purchase
Agreement dated as of January 29, 1996, as amended November 19, 1999, shall have
the meanings set forth therein. As used herein:

              (a) "Revolving Note Maturity Date" means December 29, 2001 or such
                   ----------------------------
earlier date on which the Note becomes immediately due and payable pursuant to
Article VI hereof.

              (b) "Subsidiary" or "Subsidiaries" means the Subsidiary Bank and
                   ----------------------------
any entity of which the Borrower owns, directly or through another Subsidiary,
at the date of determinations, more than 50% of the outstanding stock having
ordinary voting power for the election of directors, irrespective of whether or
not at such time stock of any other class or classes might have voting power by
reason of the happening of any contingency.

         (c)  "Subsidiary Bank" means Republic Bank, a Michigan banking
               ---------------
corporation.

                        ARTICLE II. THE CREDIT FACILITY

         2.1  Revolving Credit Facility. From time to time prior to the
              -------------------------
Revolving Note Maturity Date, the Borrower may borrow from the Bank up to the
aggregate principal amount outstanding at any one time of up to $30,000,000. All
revolving loans hereunder will be evidenced by a single promissory note of the
Borrower payable to the order of the Bank (the "Note"). Although the Note will
be expressed to be payable in the full amount set forth above, the Borrower will
be obligated to pay only the amount of loans actually disbursed hereunder,
together with accrued interest on the outstanding balance at the rates and on
the dates specified therein and such other charges provided for herein.

         2.2  Procedure for Borrowing. The Borrower will request an advance by
              -----------------------
written notice or by telephonic notice confirmed in writing mailed the same day
(which notice will be irrevocable) to the Bank not later than 11:00 a.m.,
Milwaukee, Wisconsin time, on the proposed Borrowing Date, or the date which is
two (2) banking days prior to the proposed Borrowing Date in the case of a LIBOR
Rate Loan (as defined in section 2.4 below). In the event of any inconsistency
between the telephonic notice and the written confirmation thereof, the
telephonic notice will control. Each such request will be effective upon receipt
by the Bank and will specify (a) the amount of the requested advance, (b) the
proposed borrowing date therefore and (c) the interest rate selected.

         2.3  Advances and Paying Procedure. The Bank is authorized and directed
              -----------------------------
to credit any of the Borrower's accounts with the Bank (or to the account the
Borrower designates in writing) for all loans made hereunder, and the Bank is
authorized to debit such account or any other account of the borrower with the
Bank for the amount of any principal or interest due under the Note or other
amounts due hereunder on the due date with respect thereto. The Borrower will
maintain a demand deposit account at the Bank to facilitate borrowings and
repayments hereunder.

         2.4  Interest Rate Options. Interest on each advance hereunder shall
              ---------------------
accrue at one of the following per annum rates selected by the Borrower (i) upon
notice to the Bank, 85 basis points plus the rate, determined solely by the
Bank, at which the Bank would be able to borrow funds of comparable amounts in
the Money Markets for an overnight period, including FDIC insurance, reserve
requirements and other explicit or implicit costs levied by any regulatory
agency, such rate to be reset daily (such rate the "Floating Rate" and each such
advance a "Floating Rate Loan"); or (ii) upon two banking days prior notice, 75
basis points plus the 1,2,3 or 6 month LIBOR rate quoted by Bloomberg (which
shall be
<PAGE>

the LIBOR rate in effect two banking days prior to commencement of the LIBOR
loan advance) (a "LIBOR Rate Loan"). The term "Money Markets" refers to one or
more wholesale funding markets available to the Bank, including negotiable
certificates of deposit, commercial paper, eurodollar deposits, bank notes,
federal funds and others. If a LIBOR Rate Loan is prepaid by the Borrower,
whether as a result of acceleration upon default or otherwise, the Borrower
agrees to pay all of the Bank's costs, expenses and Interest Differential (as
determined by the Bank) incurred as a result of such prepayment. The term
"Interest Differential" shall mean that sum equal to the greater of zero or the
financial loss incurred by the Bank resulting from prepayment, calculated as the
difference between the amount of interest the Bank would have earned (from like
investments in the Money Markets as of the first day of the LIBOR Rate Loan) had
prepayment not occurred and the interest the Bank will actually earn (from like
investments in the Money Markets as of the date of prepayment) as a result of
the redeployment of funds from the prepayment. Because of the short-term nature
of this facility, the Borrower agrees that the Interest Differential shall not
be discounted to its present value. In the event the Borrower does not timely
select another interest rate option for a stated period after a LIBOR Rate Loan
expires, the Floating Rate shall apply. In no event shall more than 10 rates of
interest be in effect at any one time. The Bank's internal records of applicable
interest rates shall be determinative in the absence of error. Advances
hereunder shall be in a minimum amount of $500,000. Each rate option selected
for a LIBOR Rate Loan shall apply to a minimum principal amount of $1,000,000.
For determining time and payment dates for LIBOR Rate Loans, the London business
day shall be the standard convention. In the event after the date of initial
funding any governmental authority subjects Bank to any new or additional
charge, fee, withholding or tax of any kind with respect to any loans hereunder
or changes the method of taxation of such loans or changes the reserve or
deposit requirements applicable to such loans, the Borrower shall pay to the
Bank such additional amounts as will compensate the Bank for such costs or lost
income resulting therefrom as reasonably determined by the Bank.

         2.5   Continuation and Conversion.
               ---------------------------

               (a) Conversion. The Borrower may elect from time to time,
                   ----------
subject to the terms and conditions of this Agreement, to convert all or a
portion of the outstanding Floating Rate Loan to the LIBOR Rate Loan.

               (b) Automatic Conversion. A Floating Rate Loan will continue as a
                   --------------------
Floating Rate Loan unless and until converted to a LIBOR Rate Loan. At the end
of the applicable Interest period for a LIBOR Rate Loan, such LIBOR rate Loan
will automatically be converted into a Floating Rate Loan unless the Borrower
will have given the Bank notice requesting that, at the end of such interest
period, all or a portion of such LIBOR Rate Loan be continued as a LIBOR Rate
Loan.

               (c) Conversion and Continuation Procedure. The Borrower will give
                   -------------------------------------
the Bank irrevocable notice of each conversion of a Floating Rate Loan or
continuation of a LIBOR Rate Loan not later than 11:00 a.m., Milwaukee time, two
banking days prior to the date of the requested conversion or continuation,
specifying (i) the requested date of such conversion or continuation; (ii) the
amount of the advance to be converted or continued; (iii) the rate of interest
selected; (iv) the amount of the LIBOR Rate Loan into which such loan is to be
converted or continued; and (v) the duration of the interest period applicable
thereto.

               (d) No Conversion or Continuation Upon Default. Notwithstanding
                   ------------------------------------------
anything to the contrary contained in this section, an advance may not be
converted or continued as a LIBOR Rate Loan when any default has occurred and is
continuing under this Agreement.

         2.6   Payment Schedule. Interest on a LIBOR Rate Loan is payable at the
               ----------------
end of the applicable interest period. Interest on a Floating Rate Loan is
payable quarterly commencing three months after the date the Floating Rate Loan
is advanced and continuing on the same date of each third month thereafter. The
unpaid principal balance of the Note and all accrued interest thereon shall be
due and payable on the Revolving Note Maturity Date.

         2.7   Default Interest Rate. All amounts remaining unpaid after
               ---------------------
maturity thereof, whether at fixed maturity or by reason of acceleration of
maturity, shall bear interest from and after maturity until paid at a rate per
annum equal to the rate otherwise in effect plus two (2.00%) percentage points,
payable on demand.

         2.8   Calculation of Interest. Interest will be computed for the actual
               -----------------------
number of days principal is unpaid, using a daily factor obtained by dividing
the stated interest rate by 360.
<PAGE>

         2.9   Late Payment Fee. Subject to applicable law, if any payment is
               ----------------
not made on or before its due date, the Bank may collect a delinquency charge of
5% of the unpaid amount. Collection of the late payment fee shall not be deemed
to be a waiver of the Bank's right to declare a default hereunder.

         2.10  Maximum Rate. In no event will the interest rate on the Note
               ------------
exceed that permitted by applicable law. If any interest or other charge is
finally determined by a court of competent jurisdiction to exceed the maximum
amount permitted by law, the interest or charge shall be reduced to the maximum
permitted by law, and the Bank may credit any excess amount previously collected
against the balance due or refund the amount to the Borrower.

         2.11  Prepayments. A Floating Rate Loan may be prepaid at the option of
               -----------
the Borrower in whole or in part at any time without indemnity payment. A LIBOR
Rate Loan is payable at the end of the applicable interest period selected and
may not be prepaid without simultaneous payment to the Bank of all amounts set
forth in section 2.4 hereof.

         2.12  Nonusage Fee. The Borrower shall pay the Bank a nonusage fee on
               ------------
the average daily unused portion of the Revolving Credit Facility at a rate of
12.5 basis points per annum, payable quarterly in arrears at the end of the
quarter for which the fee is owing.

                     ARTICLE III. CONDITIONS TO BORROWING

         3.1   Conditions to Borrowing. The Bank will not be obligated to make
               -----------------------
(or continue to make) advances hereunder unless (i) the Bank has received
executed copies of the Note and all other documents or agreements applicable to
the loans described herein (collectively with this Agreement the "Loan
Documents"), in form and content satisfactory to the Bank; (ii) the Bank has
received certified copies of the Articles of Incorporation and By-Laws and a
certificate of status of the Borrower and the Subsidiaries; (iii) the Bank has
received a certified copy of a resolution or authorization in from and content
satisfactory to the Bank confirming the matters outlined in paragraph 4.1 and
such other matters as the Bank requests; (iv) no default exists under this
Agreement or under any other Loan Documents, or under any other agreements by
and between the Borrower and the Bank and no condition or event will exist or
have occurred which with the passage of time, the giving of notice or both would
constitute a default under this Agreement or under any other Loan Documents or
under any other agreements by and between the Borrower and the Bank; and (v) all
proceedings taken in connection with the transactions contemplated by this
Agreement and all instruments, authorizations and other documents applicable
thereto, will be satisfactory to the Bank and its counsel.

                     ARTICLE IV. WARRANTIES AND COVENANTS

         During the term of this Agreement, and while any part of the credit
granted the Borrower is available or any obligations under any of the Loan
Documents are unpaid or outstanding, the Borrower warrants and agrees as
follows:

         4.1   Organization and Authority. The Borrower is a validly existing
               --------------------------
corporation in good standing under the laws of its state of organization, and
has all requisite power and authority, corporate or otherwise, and possesses all
licenses necessary, to conduct its business an down its properties. The
execution, delivery and performance of this Agreement and the other Loan
Documents (i) are within the Borrower's power; (ii) have been duly authorized by
proper corporate action; (iii) do not require the approval of any governmental
agency; and (iv) will not violate any law, agreement or restriction by which the
Borrower is bound. This Agreement and the other Loan Documents are the legal,
valid and binding obligations of the Borrower, enforceable against the Borrower
in accordance with their terms.

         4.2   Subsidiaries.
               ------------

               (a)  The Borrower's only direct subsidiary is the Subsidiary
Bank.

               (b)  The Subsidiary Bank (i) has authorized, issued and
outstanding 510,000 shares of common stock, par value $10.00 per share, which
are duly authorized, validly issued, fully paid and non-assessable, of which the
Borrower owns 510,000 shares, free and clear of any liens, charges,
encumbrances, rights of redemption, preemptive rights or rights of first refusal
of any kind or nature whatsoever, except liens in favor of the Bank and (ii) has
no shares of capital stock (common or preferred), or securities or other
obligations convertible into any of the foregoing, authorized or
<PAGE>

outstanding and has no outstanding offers, subscriptions, warrants, rights or
other agreements or commitments obligation it to issue or sell any of the
foregoing. The Subsidiary Bank also has authorized 1,100,000 shares of Class B
preferred stock, $25.00 par value per share, none of which are issued or
outstanding. The Class B preferred stock is issuable to the holders of preferred
stock of D&N Capital Corporation ("DNCC") in the event of certain "catastrophic"
defaults by DNCC.

         4.3   Litigation and Compliance with Laws. The Borrower and the
               -----------------------------------
Subsidiaries have compiled in all material respects with and will continue to
comply with all applicable laws and regulations: (a) that regulate or are
concerned in any way with its or their banking, including without limitation
those laws and regulations relating to the investment of funds, lending of
money, collection of interest, extension of credit, and location and operation
of banking facilities; or (b) otherwise relate to or affect the business or
assets of Borrower or any of the Subsidiaries or the asset owned, used or
occupies by them. Except to the extent previously disclosed to Bank, there are
not claims, actions, suits, or proceedings pending or to the best knowledge of
Borrower, threatened or contemplated against or affecting Borrower or any of the
Subsidiaries, at law or in equity, or before any federal, state or other
governmental authority, or before any arbitrator or arbitration panel, whether
by contract or otherwise, and there is no decree, judgment or order of any kind
in existence against or restraining Borrower or any of the Subsidiaries, or any
of their officers, employees or directors, from taking any action of any kind in
connection with the business of Borrower or any of the Subsidiaries. Except to
the extent previously disclosed to the Bank, neither Borrower nor any of the
Subsidiaries has (x) received from any regulatory authority any criticisms,
recommendations or suggestions of a material nature, and Borrower has no reason
to believe that any such is contemplated, concerning the capital structure of
any of the Subsidiaries, loan policies or portfolio, or other banking and
business practices of any of the Subsidiaries that have not been resolved to the
satisfaction of such regulatory authorities or (y) entered into any memorandum
of understanding or similar arrangement with any federal or state regulator
relating to any unsound or unsafe banking practice or conduct or any violation
of law respecting the operations of the Borrower or the operations of any of the
Subsidiaries.

         4.4   F.D.I.C. Insurance. The Subsidiary Bank is insured as to
               ------------------
deposits by the Federal Deposit Insurance Corporation and no act has occurred
which could adversely affect the status of the Subsidiary Bank as an insured
bank.

         4.5   Corporate Existence; Business Activities; Assets. The Borrower
               ------------------------------------------------
will and will cause each Subsidiary to (i) preserve its corporate existence,
rights and franchises; (ii) carry on its business activities in substantially
the manner such activities are conducted as of the date of this Agreement; (iii)
not liquidate, dissolve; merge or consolidate with or into another entity; and
(iv) not sell, lease, transfer or otherwise dispose of all or substantially all
of its assets.

         4.6   Use of Proceeds; Margin Stock; Speculation. Advances by the Bank
               ------------------------------------------
hereunder will be used exclusively by the Borrower to refinance existing
indebtedness of the Borrower and for other working capital and lawful purposes.
The Borrower will not use any of the loan proceeds to purchase or carry "margin"
stock (as defined in Regulation U of the Board of Governors of the Federal
Reserve System). No part of any of the proceeds will be used for speculative
investment purposes, including, without limitation, speculation or hedging in
the commodities and/or futures market.

         4.7   Restriction on Liens; Negative Pledges. The Borrower will not,
               --------------------------------------
without the Bank's prior written consent, create, incur, assume or permit to
exist any mortgage, pledge, encumbrance or other lien or levy upon or security
interest in any of the capital stock of the Subsidiary Bank, now owned or
hereafter acquired by the Borrower. The Borrower further agrees that the
Borrower shall not, without the bank's prior written consent, enter into, or
become a party or subject to, any negative pledge agreement relating to any of
the Borrower's assets with any third party except for the Bank.

         4.8   Restriction on Contingent Liabilities. The Borrower will not
               -------------------------------------
guarantee or become a surety or otherwise contingently liable for any
obligations of others, except pursuant to the deposit and collection of checks
in the ordinary course of business.

         4.9   Insurance. The Borrower will maintain and cause each Subsidiary
               ---------
to maintain insurance to such extent, covering such risks and with such insurers
as is usual and customary for businesses operating similar properties, and is
usual and customary to similar banking operations, including insurance for fire
and other risks insured against by extended coverage, public liability insurance
and workers' compensation insurance.
<PAGE>

         4.10  Taxes and Other Liabilities. The Borrower will pay and discharge,
               ---------------------------
and cause each Subsidiary to pay and discharge when due, all of its taxes,
assessments and other liabilities, except when the payment thereof is being
contested in good faith by appropriate procedures which will avoid foreclosure
of liens securing such items, and with adequate reserves provided therefor.

         4.11  Financial Statements and Reporting. The financial statements and
               ----------------------------------
other information previously provided to the Bank or provided to the Bank in the
future are or will be complete and accurate and prepared in accordance with
generally accepted accounting principles. There has been no material adverse
change in the Borrower's financial condition since such information was provided
to the Bank. The Borrower will, and will cause the Subsidiary Bank, to (i)
maintain accounting records in accordance with generally recognized and accepted
principles of accounting consistently applied throughout the accounting periods
involved; (ii) provide the Bank with such information concerning its business
affairs and financial condition (including insurance coverage) as the Bank may
reasonably request; and (iii) without request, provide the Bank with the
following information:

               (a)  As soon as available, and in any event within 90 days after
the end of each fiscal year of the Borrower, the Borrower's annual audited
financial statements prepared by an accounting firm acceptable to the Bank; and

               (b)  Within 45 days of the end of each quarter, quarterly call
reports prepared on FFIEC forms, or any successors thereto, of the Subsidiary
Bank prepared in accordance with the guidelines of the regulatory agency which
regulates such Subsidiary Bank (of which copies are made available at FDIC.com);
and

                (c) As soon as available, copies of all reports or materials
submitted or distributed to shareholders of the Borrower or filed with the SEC
or other governmental agency having regulatory authority over the Borrower or
any Subsidiary or with any national securities exchange; and

               (d)  Promptly after the furnishing thereof, copies of any
statement or report furnished to any other holder of obligations of the Borrower
or any Subsidiary pursuant to the terms of any indenture, loan or similar
agreement and not otherwise required to be furnished to the Bank pursuant to any
other clause of this paragraph 4.11; and

               (e)  Promptly, and in any event within 10 days, after the
Borrower has knowledge thereof, a statement of the chief financial officer of
the Borrower describing: (i) any event which, either of itself or with the lapse
of time or the giving of notice or both, would constitute a default hereunder or
under any other material agreement or to which the Borrower or any Subsidiary is
a party, together with a statement of the actions which the Borrower proposes to
take with respect thereto; and (ii) any pending or threatened litigation or
administrative proceeding of the type described in paragraph 4.3; and

               (f)  Notice of any memorandum of understanding or any other
agreement with any banking regulatory agencies, or cease and desist order,
immediately after entered into by or issued against Borrower or any Subsidiary;
and

               (g)  Promptly after request therefor, any other information
concerning the business affairs and financial condition of the Borrower or any
Subsidiary as the Bank may reasonably request.

               (h)  Within 45 days after the end of each quarter of each fiscal
year of the Borrower, Borrower shall deliver to the Bank a statement of covenant
compliance hereunder in form acceptable to the Bank as well as copies of any
other compliance certificate given in connection with any other indebtedness of
the Borrower.

         4.12  Information. The Borrower will make available for review by the
               -----------
Bank, promptly upon Bank's request, financial statements, call reports and any
other records or documents of the Borrower or the Subsidiary Bank. The Borrower
and the Subsidiary Bank will obtain the consent of any person or regulator which
it deems necessary or appropriate for disclosure of the information described
above.

         4.13  Access to Records. The Borrower will permit representatives of
               -----------------
the Bank to visit and inspect any of the properties and examine any books and
records of the Borrower and the Subsidiary Bank, at any reasonable time and as
often as the Bank may reasonably desire.
<PAGE>

         4.14  Acquisitions and Investments. The Borrower will not acquire any
               ----------------------------
other business or make any loan, advance or extension of credit to, or invest
in, any other person, corporation or other entity, including investments
acquired in exchange for stock or other securities or obligations of any nature
of the Borrower or any Subsidiary, or create or participate in the creation of
any Subsidiary or joint venture, except:

               (a)  investments in (i) bank repurchase agreements; (ii) savings
accounts or certificates of deposit in a financial institution of recognized
standing; (iii) obligations issued or fully guarantees by the United States; and
(iv) prime commercial paper maturing within 90 days of the date of acquisition
by the Borrower or a subsidiary;

               (b)  loans and advances made to employees and agents in the
ordinary course of business, such as travel and entertainment advances and
similar items;

               (c)  investments in the Subsidiary by the Borrower;

               (d)  investments shown on the most recent financial statements of
the Borrower provided to the Bank and investments similar to such investments,
subject to the limits set forth in subsection (g) below;

               (e)  with respect to a Subsidiary; loans, advances or extensions
of credit made, or deposits taken, or investments or acquisitions made, in the
ordinary course of the business of such Subsidiary;

               (f)  investments in, or the acquisition of, or the merger or
share exchange with, any financial institution(s) (including an holding
company(ies)), provided Borrower remains in existence after any such
transaction; and

               (g)  investments in, or the acquisition of, or the merger or
share exchange with, any non-financial institution (including, without
limitation, partnerships (limited, limited liability or general), limited
liability companies, corporations, and trusts), either directly by Borrower or
through any Subsidiary of Borrower.

         Notwithstanding anything to the contrary express or implied herein, at
any time and from time-to-time, Borrower (1) may sell, dispose of, "spin-off"
(in a public distribution or otherwise), exchange or convert into another form
or type of interest, or transfer all or part of either its interests in, or the
assets or liabilities of, any Subsidiary (other than the Subsidiary Bank), and
(2) may transfer any or all of the employees, operations, assets or liabilities
of any Subsidiary (other than the Subsidiary Bank) to any other Subsidiary
(including, without limitation, the Subsidiary Bank).

         4.15  Limitation on Funded Indebtedness and Indebtedness. The Borrower
               --------------------------------------------------
will not, and will not permit any Subsidiary to create, incur, issue, assume,
guarantee or otherwise become directly or indirectly liable in respect of any:

               (a)  Funded Indebtedness unless, after giving effect thereto,
Funded Indebtedness shall not exceed 70% of Consolidated Net Worth;

               (b)  Indebtedness unless, after giving effect thereto,
Indebtedness shall not exceed 75% of Consolidated Net Worth. As used in this
Agreement, "consolidated" means the Borrower and all Subsidiaries as reported on
a consolidated basis under GAAP.

         4.16  Consolidated Tangible Equity Capital. The Borrower will at all
               ------------------------------------
times maintain Consolidated Tangible Equity Capital in an amount no less than
6.5% of Consolidated Assets.

         4.17  Nonperforming Assets. The Borrower's consolidated ratio of
               --------------------
Nonperforming Assets to loans, including loans held for sale, and other real
estate owned will not exceed 3.0%. "Nonperforming Assets" means loans
contractually past due 90 or more days, loans in non-accrual, and other real
estate owned.

         4.18  Double Leverage Ratio. The Borrower's consolidated Double
               ---------------------
Leverage "Double Leverage Ratio" means the ratio of (a) equity investments of
the Borrower and its bank Subsidiaries to (b) the Consolidated Net Worth of the
Borrower and Subsidiaries.
<PAGE>

         4.19  Return on Assets. The Borrower's consolidated return on assets
               ----------------
shall equal or exceed .75% of total assets excluding restructuring and merger
charges or extraordinary items.

                             ARTICLE V. COLLATERAL

         5.1   Collateral. This Agreement and the Note are unsecured. However,
               ----------
the Borrower is subject to the negative pledge provisions of section 4.7 hereof.
The information in this Agreement V is for information only and the omission of
any reference to an agreement will not effect the validity or enforceability
thereof. The rights and remedies of the Bank outlined in this Agreement and the
documents identified above are intended to be cumulative.

         5.2   Credit Balances; Setoff As additional security for the payment of
               -----------------------
the obligations described in the Loan Documents and any other obligations of the
Borrower to the Bank of any nature whatsoever (collectively the "Obligations"),
the Borrower hereby grants to the Bank a security interest in, a lien on and an
express contractual right to set off against all depository account balances,
cash and any other property of the Borrower now or hereafter in the possession
of the Bank. The Bank may at any time upon the occurrence of a default hereunder
(notwithstanding any notice requirements or grace/cure periods under this or
other agreements between the Borrower and the Bank) set off against the
Obligations whether or not the Obligations (including future installments) are
then due or have been accelerated, all without any advance or contemporaneous
notice or demand of any kind to the Borrower, such notice and demand being
expressly waived.

                             ARTICLE VI. DEFAULTS

         6.1   Defaults. Notwithstanding any cure periods described below, the
               --------
Borrower will immediately notify the Bank in writing when the Borrower obtains
knowledge of the occurrence of any default specified below. Regardless of
whether the Borrower has given the required notice, the occurrence of one or
more of the following will constitute a default:

               (a)  Nonpayment. The Borrower fails to pay (i) any interest due
                    ----------
on the Note or any fees, charges, costs or expenses under the Loan Documents by
5 days after the same becomes due; or (ii) any principal amount of the Note when
due.

               (b)  Nonperformance. The Borrower or any guarantor of Borrower's
                    --------------
Obligations to the Bank ("Guarantor") fails to perform or observe any agreement,
term, provision, condition, or covenant (other than a default occurring under
(a), (c), (d), (e), (f) or (g) of this paragraph 6.1) required to be performed
or observed by the Borrower or any Guarantor hereunder or under any other Loan
Document or other agreement with or in favor of the Bank.

               (c)  Misrepresentation. Any financial information, statement,
                    -----------------
certificate, representation or warranty given to the Bank by the Borrower or any
Guarantor (or any of their representatives) in common with entering into this
Agreement or the other Loan Documents and/or any borrowing thereunder, or
required to be furnished under the terms thereof, proves untrue or misleading in
any material respect (as determined by the Bank in the exercise of its judgment)
as of the time when given.

               (d)  Default on Other Obligations. The Borrower, any Guarantor,
                    ----------------------------
or any Subsidiary will be in default under the terms of any loan agreement,
promissory note, lease, conditional sale contract or other agreement, document
or instrument evidencing, governing or securing any indebtedness owing by the
Borrower, any Guarantor or any Subsidiary to the Bank or any indebtedness in
excess of $5,000,000 owing by the Borrower to any third party, and the period of
grace, if any, to cure said default will have passed.

               (e)  Judgments. Any judgment is obtained against the Borrower,
                    ---------
any Guarantor or any Subsidiary which, together with all other outstanding
unsatisfied judgments against the Borrower (or such Guarantor or Subsidiary),
exceeds the sum of $5,000,000 and remains unvacated, unbonded or unstayed for a
period of 30 days following the date of entry thereof.

               (f)  Inability to Perform; Bankruptcy/Insolvency. (i) the
                    -------------------------------------------
Borrower, any Guarantor or any Subsidiary dies or ceases to exist; or (ii) any
Guarantor attempts to revoke any guaranty of the Obligations described herein,
or any guaranty becomes unenforceable in whole or in part for any reason;
<PAGE>

or (iii) any bankruptcy, insolvency or receivership proceedings, or an
assignment for the benefit of creditors, is commenced under any Federal or state
law by or against the Borrower, any Guarantor or any Subsidiary; or (iv) the
Borrower, any Guarantor or any Subsidiary becomes the subject of any out-of-
court settlement with its creditors; or (v) the Borrower, any Guarantor, or any
Subsidiary is unable or admits in writing its inability to pay its debts as they
mature; or (vi) the Borrower or any Subsidiary is closed or taken over by a
Regulatory Agency.

               (g)  Adverse Change. There is a material adverse change in the
                    --------------
business,  properties or financial condition of the Borrower, an y Guarantor or
any Subsidiary.

               (h)  Regulatory Orders. The Borrower or any Subsidiary enters
                    -----------------
into any memorandum of understanding or other agreement with any banking
regulatory agency relating to any unsound or unsafe banking practice or conduct
or any violation of law respecting the operation of Borrower or such Subsidiary;
or Borrower or any Subsidiary or any of their officers , employees, or directors
become the subject of a judicial or administrative determination restraining any
of them from taking any actions of any kind in connection with the business of
Borrower or such Subsidiary, assessing a civil penalty, finding that any
criminal offense occurred in connections with the operations of Borrower or such
Subsidiary, or suspending or removing any officer or director of Borrower or
such Subsidiary.

         6.2   Termination of Loan; Additional Bank Rights. Upon the occurrence
               -------------------------------------------
of any of the events identified in paragraph 6.1, the Bank may at any time
(notwithstanding any notice requirements or grace/cure periods under this or
other agreements between the Borrower and the Bank) (i) immediately terminate
its obligation, if any, to make additional loans to the Barrower; (ii) set off;
and/or (iii) take such other steps to protect or preserve the Banks interest in
any collateral, including without limitation, notifying account debtors to make
payments directly to the Bank, advancing funds to protect any collateral and
insuring collateral at the Borrower's expense; all without demand or notice of
any kind, all of which are hereby waived.

          6.3  Acceleration of Obligations. Upon the occurrence of an of the
               ---------------------------
events identified in paragraphs 6.1(a) through 6.1(e) and 6.1(g) and 6.1(h), and
the passage of any applicable cure periods, the Bank may at any time thereafter,
(i) by written notice to the Borrower, declare the unpaid principal balance of
any Obligations, together with the interest accrued thereon and other amounts
accrued hereunder and under the other Loan Documents, to be immediately due and
payable; and the unpaid balance will thereupon be due and payable, all without
presentation, demand, protest or further notice of any kind, all of which are
hereby waived, and notwithstanding any thing to the contrary contained herein or
in any of the other Loan Documents; and (ii) require the Borrower to cause the
Subsidiary Bank to appoint an independent transfer agent for the purpose of
registering and transferring ownership of the capital stock of the Subsidiary
Bank. Upon the occurrence of any event under paragraph 6.1(f), the unpaid
principal balance of any Obligations, together with all interest accrued thereon
and other amounts accrued hereunder and under the other Loan Documents, will
thereupon be immediately due and payable, all without presentation, demand,
protest or notice of any kind, all of which are hereby waived, and
notwithstanding anything to the contrary contained herein or in any of the other
Loan Documents. Nothing contained in paragraph 6.1, paragraph 6.2 or this
section will limit the Bank's right to set off as provided in paragraph 5.2 or
otherwise in this Agreement.

         6.4   Other Remedies. Nothing in this Article VI is intended to
               --------------
restrict the Bank's rights under any of the Loan Documents or at law, and the
Bank may exercise all such rights and remedies as and when they are available.

                          ARTICLE VII. MISCELLANEOUS

         7.1   Delay; Cumulative Remedies. No delay on the part of the Bank in
               --------------------------
exercising any right, power or privilege hereunder or under any of the other
Loan Documents will operate as a waiver thereof, nor will any single or partial
exercise of any right, power or privilege hereunder preclude other or further
exercise thereof or the exercise of any other right, power or privilege. The
rights and remedies herein specified are cumulative and are not exclusive of any
rights or remedies which the Bank would otherwise have.

         7.2   Relationship to Other Documents. The warranties, covenants and
               -------------------------------
other obligations of the Borrower (and the rights and remedies of the Bank) that
are outlined in this Agreement and the other Loan Documents are intended to
supplement each other. In the event of any inconsistencies in any of the terms
in the Loan Documents, all terms will be cumulative so as to give the Bank the
most favorable rights set forth in the conflicting documents, except that if
there is a direct conflict between any preprinted
<PAGE>

terms and specifically negotiated terms (whether included in an addendum or
otherwise), the specifically negotiated terms will control.

         7.3   Participations; Guarantors. The Bank may, at its option, sell all
               --------------------------
or any interests in the Note and other Loan Documents to other financial
institutions. Any purchaser of an interest in the Note is hereinafter referred
to as a "Participant". In connection with such sales (and thereafter), the Bank
may disclose any financial information the Bank may have concerning the Borrower
to any such Participant or potential Participant. From time to time, the Bank
may, in its discretion and without obligation to the borrower, any guarantor or
any other third party, disclose information about the Borrower and this
Agreement to any guarantor, surety or other accommodation party. This provision
does not obligate the Bank to supply any information or release the borrower
from its obligation to provide such information, and the Borrower agrees to keep
all Guarantors advised of its financial condition and other matters which may be
relevant to the Guarantors' obligations to the Bank.

         7.4   Expenses and Attorneys' Fees. The Borrower will reimburse the
               ----------------------------
Bank and any Participant for all attorneys' fees and all other costs, fees and
out-of-pocket disbursements (including fees and disbursements of both inside
counsel and outside counsel) incurred by the Bank or any Participant in
connection with the preparation, execution, delivery, administration, defense
and enforcement of this Agreement or any of the other Loan Documents, including
fees and costs related to any waivers or amendments with respect thereto
(examples of costs and fees include but are not limited to fees and costs for:
filing, perfecting or confirming the priority of the Bank's lien, title searches
or insurance, appraisals, environmental audit and other reviews related to the
Borrower, any collateral or the loans, if requested by the Bank). The Borrower
will also reimburse the Bank and any Participant for all costs of collection
before and after judgment, and the costs of preservation and/or liquidation of
any collateral (including fees and disbursements of both inside and outside
counsel).

         7.5   Successors. The rights, options, powers and remedies granted in
               ----------
this Agreement and the other Loan Documents will extend to the Bank and to its
successors and assigns, will be binding upon the Borrower and its successors and
assigns and will be applicable hereto and to all renewals and/or extensions
hereof.

         7.6   Indemnification. Except for harm arising from the Bank's willful
               ---------------
misconduct, the Borrower hereby indemnifies and agrees to defend and hold the
bank harmless from any and all losses, costs, damages, claims and expenses of
any kind suffered by or asserted against the Bank relating to claims by third
parties arising out of the financing provided under the Loan Documents. This
indemnification and hold harmless provision will survive the termination of the
Loan Documents and the satisfaction of the Obligations due the Bank.

         7.7   Notice of Claims Against Bank; Limitation of Certain Damages. In
               ------------------------------------------------------------
order to allow the Bank to mitigate any damages to the Borrower from the Bank's
alleged breach of its duties under the Loan Documents or any other duty, if any,
to the Borrower, the Borrower agrees to give the Bank prompt written notice of
any claim or defense it has against the Bank, whether in tort or contract,
relating to any action or inaction by the Bank under the Loan Documents, or the
transactions related thereto, or of any defense to payment of the Obligations
for any reason. The requirement of providing timely notice to the bank
represents the parties'; agreed-to standard of performance regarding claims
against the Bank. Notwithstanding any claim that the Borrower may have against
the Bank, and regardless of any notice the Borrower may have given the Bank, the
Bank will not be liable to the Borrower for consequential and/or special damages
arising therefrom, except those damages arising from the Bank's willful
misconduct.

         7.8   Notices. Although any notice required to be given hereunder or
               -------
under any of the other Loan Documents might be accomplished by other means,
notice will always be deemed given when placed in the United States Mail, with
postage prepaid, or sent by overnight delivery service, or sent by telex or
facsimile, in each case to the address set forth below or as amended.

         7.9   Payments. Payments due under the Note and other Loan Documents
               --------
will be made in lawful money of the United States, and the Bank is authorized to
charge payments due under the Loan Documents against any account of the
Borrower. All payments may be applied by the Bank to principal, interest, and
other amounts due under the Loan Documents in any order which the Bank elects.

         7.10  Applicable Law and Jurisdiction; Interpretation; Joint Liability.
               ----------------------------------------------------------------
This Agreement and all other Loan Documents will be governed by and interpreted
in accordance with the internal laws of the
<PAGE>

state where the Bank's main office is located, except to the extent superseded
by Federal law. Invalidity of any provisions of this Agreement will not affect
any other provision. THE BORROWER HEREBY CONSENTS TO THE EXCLUSIVE JURISDICTION
OF ANY STATE OR FEDERAL COURT SITUATED IN THE COUNTY OR FEDERAL JURISDICTION
WHERE THE BANK'S OFFICE WHICH IS DESIGNATED IN THE NOTE AS THE PLACE FOR PAYMENT
IS LOCATED (OR, IN THE ABSENCE OF SUCH DESIGNATION, THE BANK'S MAIN OFFICE), AND
WAIVES ANY OBJECTION BASED ON FORUM NON CONVENIENS, WITH REGARD TO ANY ACTIONS,
                              --------------------
CLAIMS, DISPUTES OR PROCEEDINGS RELATING TO THIS AGREEMENT, THE NOTES, THE
COLLATERAL, ANY OTHER LOAN DOCUMENT, OR ANY TRANSACTIONS ARISING THEREFROM, FOR
ENFORCEMENT AND/OR INTERPRETATION OF ANY OF THE FOREGOING. Nothing herein will
affect the Bank's rights to serve process in any manner permitted by law, or
limit the Bank's right to bring proceedings against the Borrower in the
competent courts of any other jurisdiction or jurisdictions. This Agreement, the
other Loan Documents and any amendments hereto (regardless of when executed)
will be deemed effective and accepted only upon the Bank's receipt of the
executed originals thereof. If there is more than one Borrower, the liability of
the Borrowers will be joint and several, and the reference to "Borrower" will be
deemed to refer to all Borrowers.

         7.11  Copies; Entire Agreement; Modification. The Borrower hereby
               --------------------------------------
acknowledges the receipt of a copy of this Agreement and all other Loan
Documents.

IMPORTANT: READ BEFORE SIGNING. THE TERMS OF THIS AGREEMENT SHOULD BE READ
CAREFULLY BECAUSE ONLY THOSE TERMS IN WRITING ARE ENFORCEABLE. NO OTHER TERMS OR
ORAL PROMISES NOT CONTAINED IN THIS WRITTEN AGREEMENT. THIS NOTICE SHALL ALSO BE
EFFECTIVE WITH RESPECT TO ALL OTHER CREDIT AGREEMENTS NOW IN EFFECT BETWEEN YOU
AND THIS LENDER, WHICH OCCURS AFTER RECEIPT BY YOU OF THIS NOTICE, MAY BE MADE
ONLY BY ANOTHER WRITTEN INSTRUMENT. ORAL OR IMPLIED MODIFICATIONS TO SUCH CREDIT
AGREEMENTS ARE NOT ENFORCEABLE AND SHOULD NOT BE RELIED UPON.

         7.12  Waiver of Jury Trial. THE BORROWER AND THE BANK HEREBY JOINTLY
               --------------------
AND SEVERALLY WAIVE ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY ACTION OR
PROCEEDING RELATING TO ANY OF THE LOAN DOCUMENTS, THE OBLIGATIONS THEREUNDER,
ANY COLLATERAL SECURING THE OBLIGATIONS, OR ANY TRANSACTION ARISING THEREFROM OR
CONNECTED THERETO. THE BORROWER AND THE BANK EACH REPRESENTS TO THE OTHER THAT
THIS WAIVER IS KNOWINGLY, WILLINGLY AND VOLUNTARILY GIVEN.

                        [Signatures on following page]
<PAGE>

         IN WITNESS WHEREOF, the undersigned having executed this REVOLVING
CREDIT AGREEMENT as of December 29, 2000.

                                         REPUBLIC BANCORP, INC.

                                         By: __________________________________
                                         Name: ________________________________
                                         Title: _______________________________

                                         FIRSTAR BANK, NATIONAL ASSOCIATION

                                         By: __________________________________
                                         Name: ________________________________
                                         Title: _______________________________
<PAGE>

                             REVOLVING CREDIT NOTE

$30,000,000                                                   December 29, 2000

         FOR VALUE RECEIVED, the undersigned borrower (the "Borrower"), on or
before the Revolving Note Maturity Date (as defined in the Credit Agreement
referred to below), promises to pay to the order of Firstar Bank, National
Association (the "Bank"), at its main office in Milwaukee, Wisconsin, the
principal sum of Thirty Million Dollars ($30,000,000), or such lesser amount as
is shown to be outstanding from time to time at such rates and at such times as
set forth in the Credit Agreement hereinafter referred to.

         Without affecting the liability of any Borrower, indorser, surety or
guarantor, the Bank may, without notice, renew or extend the time for payment,
accept partial payments, release or impair any collateral security from the
payment of this Note, or agree not to sue any party liable on it.

         This Revolving Credit Note constitutes the Note issued under a
Revolving Credit Agreement dated as of December 29, 2000, between the Borrower
and the Bank, to which Agreement reference is hereby made for a statement of the
terms and conditions under which loans evidenced hereby were or may be made and
a description of the terms and conditions upon which the maturity of this Note
may be accelerated.

         The Borrower agrees to pay all costs of collection, including
reasonable attorneys' fees.

                                             REPUBLIC BANCORP, INC.

                                             By: ______________________________
                                             Name: ____________________________

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