Document:

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                                                                EXHIBIT 10.14[4]

                                                                  Execution Copy

       FOURTH AMENDMENT TO CREDIT AGREEMENT AND LIMITED WAIVER OF
                                     DEFAULT

         This FOURTH AMENDMENT TO CREDIT AGREEMENT AND LIMITED WAIVER OF DEFAULT
(this "Amendment"), made and entered into as of March 22, 2002, is by and
between RTW, Inc., a Minnesota corporation (the "Borrower"), and U.S. Bank
National Association, a national banking association (the "Bank").

                                    RECITALS

         1. The Bank and the Borrower entered into a Credit Agreement dated as
of March 31, 2000 as amended by a First Amendment dated as of May 4, 2000, a
Second Amendment dated as of March 28, 2001 and Third Amendment dated as of
September 29, 2001 (as amended, the "Credit Agreement"); and

         2. The Borrower desires to amend certain provisions of the Credit
Agreement, and the Bank has agreed to make such amendments, subject to the terms
and conditions set forth in this Amendment.

                                    AGREEMENT

         NOW, THEREFORE, for good and valuable consideration, the receipt and
adequacy of which are hereby acknowledged, the parties hereto hereby covenant
and agree to be bound as follows:

         Section 1. Capitalized Terms. Capitalized terms used herein and not
otherwise defined herein shall have the meanings assigned to them in the Credit
Agreement, unless the context shall otherwise require.

         Section 2. Amendments. The Credit Agreement is hereby amended as
follows:

                  2.1 Definitions.

                  (a) The definition of "Applicable Margin" contained in Section
         1.1 of the Credit Agreement is hereby amended in its entirety to read
         as follows:

                      "Applicable Margin": The Applicable Margin for Prime Rate
                  Advances in effect at all times shall be twenty-five
                  hundredths of one percent (0.25%). On or before March 31,
                  2002, the Applicable Margin for Eurodollar Rate Advances in
                  effect at all times shall be two and seventy-five hundredths
                  percent (2.75%). From and after April 1, 2002, the Applicable
                  Margin for Eurodollar Rate Advances in effect at all times
                  shall be three percent (3.00%).

                  (b) Section 1.1 of the Credit Agreement is hereby amended by
         adding the definitions of "Administrative Service Revenues" and "EBIT"
         in the correct alphabetical order to read as follows:

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                  "Administrative Service Revenues": For any period of
         determination, gross revenues derived by the Borrower from providing
         administrative or other revenue-generating services to non-related
         third party customers.

                  "EBIT": For any period of determination, the net income of the
         Borrower before deductions for income taxes and Interest Expense, in
         each case determined for said period in accordance with GAAP.

         2.2 Cash Flow Sweep. Section 2.7 of the Credit Agreement is amended to
add a new Section 2.7(c) to read as follows:

                  2.7(c) Administrative Service Revenue Sweep. The Borrower
         shall pay to the Bank, within thirty (30) days after the end of each
         fiscal quarter, an amount equal to ten percent (10%) of Administrative
         Service Revenues for such fiscal quarter. Any prepayment under this
         Section 2.7(c) shall be applied against the next principal payment
         required under the terms of the Term Note.

         2.3 Consolidated Net Worth. Section 6.15 of the Credit Agreement is
amended in its entirety to read as follows:

                  Section 6.15 Consolidated Net Worth. The Borrower will not
         permit its Consolidated Net Worth at any time to be less than the sum
         of $14,500,000 plus 25% of its cumulative positive Consolidated Net
         Income arising after March 31, 2002.

         2.4 Statutory Surplus of ACIC. Section 6.16 of the Credit Agreement is
amended in its entirety to read as follows:

                  Section 6.16 Statutory Surplus of ACIC. The Borrower shall not
         permit ACIC's Capital and Surplus at any time to be less than the sum
         of $18,000,000 plus 25% of ACIC's cumulative positive Statutory Net
         Income arising after March 31, 2002.

         2.5 Minimum Earnings. Section 6.17 of the Credit Agreement is amended
in its entirety to read as follows:

                  Section 6.17 Minimum EBIT. The Borrower will not permit its
         EBIT to be less than $4,000,000 as of the last day of any fiscal
         quarter calculated as follows:

                  (a) on each March 31, the product of (i) EBIT for the period
                  from and after January 1 to and including March 31 times (ii)
                  four (4);

                  (b) on each June 30, the product of (i) EBIT for the period
                  from and after January 1 to and including June 30 times (ii)
                  two (2);

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                           (c) on each September 30, the product of (i) EBIT for
                           the period from and after January 1 to and including
                           September 30 times (ii) four-thirds (4/3); and

                           (d) on each December 31, EBIT for the four previous
                           fiscal quarters ending on such date.

                  2.6 Risk-Based Capital Ratio of ACIC. Section 6.18 of the
         Credit Agreement is amended in its entirety to read as follows:

                           Section 6.18 Risk-Based Capital Ratio of ACIC. The
                  Borrower will not permit the ratio (expressed as a percentage)
                  of the Adjusted Capital to the Risk-Based Capital of ACIC at
                  any time to be less than 235%.

                  2.7 A.M. Best Rating of ACIC. Section 6.19 of the Credit
         Agreement is amended in its entirety to read as follows:

                           Section 6.19 A.M. Best Rating of ACIC. On or after
                  January 1, 2003, the Borrower will not permit the rating of
                  ACIC by A.M. Best & Company at any time to be less than B+.

                  2.8 Compliance Certificate. Exhibit 5.1(b) to the Credit
         Agreement is hereby amended in its entirety to read as set forth in
         Exhibit B to this Amendment, which is made a part of the Credit
         Agreement as Exhibit 5.1(b) thereto.

         Section 3. Effectiveness of Amendments. The amendments contained in
this Amendment shall become effective upon delivery by the Borrower of, and
compliance by the Borrower with, the following:

                  3.1 This Amendment and the Third Amended and Restated Term
         Note in the form of Exhibit A hereto (the "Note"), each duly executed
         by the Borrower.

                  3.2 A copy of the resolutions of the Board of Directors of the
         Borrower authorizing the execution, delivery and performance of this
         Amendment and Note certified as true and accurate by its Secretary or
         Assistant Secretary, along with a certification by such Secretary or
         Assistant Secretary (i) certifying that there has been no amendment to
         the Articles of Incorporation or Bylaws of the Borrower since true and
         accurate copies of the same were delivered to the Bank with a
         certificate of the Secretary of the Borrower dated March 31, 2000, and
         (ii) identifying each officer of the Borrower authorized to execute
         this Amendment, the Note and any other instrument or agreement executed
         by the Borrower in connection with this Amendment (collectively, the
         "Amendment Documents"), and certifying as to specimens of such
         officer's signature and such officer's incumbency in such offices as
         such officer holds.

                  3.3 The Borrower shall have paid an amendment fee of $3,000 to
         the Bank.

                  3.4 The Borrower shall have satisfied such other conditions as
         specified by the Bank, including payment of all unpaid legal fees and
         expenses incurred by the Bank

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         through the date of this Amendment in connection with the Credit
         Agreement and the Amendment Documents.

         Section 4. Defaults and Waivers.

              4.1 Events of Default and Unmatured Events of Default.

              (a) Consolidated Net Worth. Under Section 6.15 of the Credit
         Agreement, the Borrower agreed not to permit its Consolidated Net Worth
         at any time to be less than the sum of $35,000,000 plus 25% of its
         cumulative positive Consolidated Net Income arising after September 30,
         2001. As of December 31, 2001, the Borrower's Consolidated Net Worth
         was less than the sum of $35,000,000 plus 25% of its cumulative
         positive Consolidated Net Income arising after September 30, 2001. As a
         result, an Event of Default has occurred under Section 7.1(c) of the
         Credit Agreement.

              (b) Statutory Surplus of ACIC. Under Section 6.16 of the Credit
         Agreement, the Borrower agreed not to permit ACIC's Capital and Surplus
         at any time to be less than the sum of $25,000,000 plus 25% of ACIC's
         cumulative positive Statutory Net Income arising after September 30,
         2001. As of December 31, 2001, ACIC's Capital and Surplus was less than
         the sum of $25,000,000 plus 25% of ACIC's cumulative positive Statutory
         Net Income arising after September 30, 2001. As a result, an Event of
         Default has occurred under Section 7.1(c) of the Credit Agreement.

              (c) Consolidated Net Income. Under Section 6.17 of the Credit
         Agreement, the Borrower agreed not to permit its Consolidated Net
         Income for any period of four consecutive fiscal quarters to be less
         than $3,000,000. For the four fiscal quarters ending December 31, 2001,
         the Borrower's Consolidated Net Income was less than $3,000,000. As a
         result, an Event of Default has occurred under Section 7.1(c) of the
         Credit Agreement.

              (d) Risk-Based Capital Ratio of ACIC. Under Section 6.18 of the
         Credit Agreement, the Borrower agreed not to permit the ratio
         (expressed as a percentage) of the Adjusted Capital to the Risk-Based
         Capital of ACIC at any time to be less than 400%. As of December 31,
         2001, the ratio (expressed as a percentage) of the Adjusted Capital to
         the Risk-Based Capital of ACIC was less than 400%. As a result, an
         Event of Default has occurred under Section 7.1(c) of the Credit
         Agreement.

              4.2 Waiver. Upon the date on which this Amendment becomes
         effective, the Bank hereby waives the Borrower's Defaults and Events of
         Default described in the preceding Sections 4.1(a) through 4.1(d) (the
         "Existing Defaults"). The waiver of the Existing Defaults set forth
         above is limited to the express terms thereof, and nothing herein shall
         be deemed a waiver by the Bank of any other term, condition,
         representation or covenant applicable to the Borrower under the Credit
         Agreement (including but not limited to any future occurrence similar
         to the Existing Defaults) or any of the other agreements, documents or
         instruments executed and delivered in connection therewith, or of the
         covenants described therein. The waivers set forth herein shall not
         constitute a waiver by the Bank of any other Default or Event of
         Default, if any, under the Credit

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         Agreement, and shall not be, and shall not be deemed to be, a course of
         action with respect thereto upon which the Borrower may rely in the
         future, and the Borrower hereby expressly waives any claim to such
         effect.

         Section 5. Representations, Warranties, Authority, No Adverse Claim.

              5.1 Reassertion of Representations and Warranties, No Default. The
         Borrower hereby represents that on and as of the date hereof and after
         giving effect to this Amendment (a) all of the representations and
         warranties contained in the Credit Agreement are true, correct and
         complete in all respects as of the date hereof as though made on and as
         of such date, except for changes permitted by the terms of the Credit
         Agreement, and (b) there will exist no Default or Event of Default
         under the Credit Agreement as amended by this Amendment on such date
         which has not been waived by the Bank.

              5.2 Authority, No Conflict, No Consent Required. The Borrower
         represents and warrants that the Borrower has the power and legal right
         and authority to enter into the Amendment Documents and has duly
         authorized as appropriate the execution and delivery of the Amendment
         Documents and other agreements and documents executed and delivered by
         the Borrower in connection herewith or therewith by proper corporate
         action, and none of the Amendment Documents nor the agreements
         contained herein or therein contravenes or constitutes a default under
         any agreement, instrument or indenture to which the Borrower is a party
         or a signatory or a provision of the Borrower's Articles of
         Incorporation, Bylaws or any other agreement or requirement of law, or
         result in the imposition of any Lien on any of its property under any
         agreement binding on or applicable to the Borrower or any of its
         property except, if any, in favor of the Bank. The Borrower represents
         and warrants that no consent, approval or authorization of or
         registration or declaration with any Person, including but not limited
         to any governmental authority, is required in connection with the
         execution and delivery by the Borrower of the Amendment Documents or
         other agreements and documents executed and delivered by the Borrower
         in connection therewith or the performance of obligations of the
         Borrower therein described, except for those which the Borrower has
         obtained or provided and as to which the Borrower has delivered
         certified copies of documents evidencing each such action to the Bank.

              5.3 No Adverse Claim. The Borrower warrants, acknowledges and
         agrees that no events have been taken place and no circumstances exist
         at the date hereof which would give the Borrower a basis to assert a
         defense, offset or counterclaim to any claim of the Bank with respect
         to the Obligations.

         Section 6. Affirmation of Credit Agreement, Further References,
Affirmation of Security Interest. The Bank and the Borrower each acknowledge and
affirm that the Credit Agreement, as hereby amended, is hereby ratified and
confirmed in all respects and all terms, conditions and provisions of the Credit
Agreement, except as amended by this Amendment, shall remain unmodified and in
full force and effect. All references in any document or instrument to the
Credit Agreement are hereby amended and shall refer to the Credit Agreement as
amended by this Amendment. The Borrower confirms to the Bank that the
Obligations are and continue

                                      -5-

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to be secured by the security interest granted by the Borrower in favor of the
Bank under the Security Documents, and all of the terms, conditions, provisions,
agreements, requirements, promises, obligations, duties, covenants and
representations of the Borrower under such documents and any and all other
documents and agreements entered into with respect to the obligations under the
Credit Agreement are incorporated herein by reference and are hereby ratified
and affirmed in all respects by the Borrower.

         Section 7. Merger and Integration, Superseding Effect. This Amendment,
from and after the date hereof, embodies the entire agreement and understanding
between the parties hereto and supersedes and has merged into this Amendment all
prior oral and written agreements on the same subjects by and between the
parties hereto with the effect that this Amendment, shall control with respect
to the specific subjects hereof and thereof.

         Section 8. Severability. Whenever possible, each provision of this
Amendment and the other Amendment Documents and any other statement, instrument
or transaction contemplated hereby or thereby or relating hereto or thereto
shall be interpreted in such manner as to be effective, valid and enforceable
under the applicable law of any jurisdiction, but, if any provision of this
Amendment, the other Amendment Documents or any other statement, instrument or
transaction contemplated hereby or thereby or relating hereto or thereto shall
be held to be prohibited, invalid or unenforceable under the applicable law,
such provision shall be ineffective in such jurisdiction only to the extent of
such prohibition, invalidity or unenforceability, without invalidating or
rendering unenforceable the remainder of such provision or the remaining
provisions of this Amendment, the other Amendment Documents or any other
statement, instrument or transaction contemplated hereby or thereby or relating
hereto or thereto in such jurisdiction, or affecting the effectiveness, validity
or enforceability of such provision in any other jurisdiction.

         Section 9. Successors. The Amendment Documents shall be binding upon
the Borrower and the Bank and their respective successors and assigns, and shall
inure to the benefit of the Borrower and the Bank and the successors and assigns
of the Bank.

         Section 10. Legal Expenses. As provided in Section 8.2 of the Credit
Agreement, the Borrower agrees to reimburse the Bank, upon execution of this
Amendment, for all reasonable out-of-pocket expenses (including attorney' fees
and legal expenses of Dorsey & Whitney LLP, counsel for the Bank) incurred in
connection with the Credit Agreement, including in connection with the
negotiation, preparation and execution of the Amendment Documents and all other
documents negotiated, prepared and executed in connection with the Amendment
Documents, and in enforcing the obligations of the Borrower under the Amendment
Documents, and to pay and save the Bank harmless from all liability for, any
stamp or other taxes which may be payable with respect to the execution or
delivery of the Amendment Documents, which obligations of the Borrower shall
survive any termination of the Credit Agreement.

         Section 11. Headings. The headings of various sections of this
Amendment have been inserted for reference only and shall not be deemed to be a
part of this Amendment.

         Section 12. Counterparts. The Amendment Documents may be executed in
several counterparts as deemed necessary or convenient, each of which, when so
executed, shall be

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deemed an original, provided that all such counterparts shall be regarded as one
and the same document, and either party to the Amendment Documents may execute
any such agreement by executing a counterpart of such agreement.

         Section 13. Governing Law. THE AMENDMENT DOCUMENTS SHALL BE GOVERNED BY
THE INTERNAL LAWS OF THE STATE OF MINNESOTA, WITHOUT GIVING EFFECT TO CONFLICT
OF LAW PRINCIPLES THEREOF, BUT GIVING EFFECT TO FEDERAL LAWS APPLICABLE TO
NATIONAL BANKS, THEIR HOLDING COMPANIES AND THEIR AFFILIATES.

            [The remainder of this page is intentionally left blank.]

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         IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed as of the date and year first above written.

BORROWER:                   RTW, INC.

                            By:  /s/ Jeffrey B. Murphy
                                -----------------------------------------------

                            Title:   Chief Financial Officer
                                   --------------------------------------------

BANK:                       U.S. BANK NATIONAL ASSOCIATION

                            By:  /s/ Jason Tornow
                                -----------------------------------------------

                            Title:  Corporate Banking Officer
                                   --------------------------------------------

             [Signature Page to Fourth Amendment to Credit Agreement]
                                      S - 1<PAGE>

                                                                   EXHIBIT 10.14

                      FOURTH AMENDMENT TO CREDIT AGREEMENT

Harris Trust and Saving Bank
Chicago, Illinois

Ladies and Gentlemen:

     Reference is hereby made to that certain Credit Agreement dated as of
January 30, 1998, as amended (the "Credit Agreement"), between the undersigned,
Midwest Banc Holdings, Inc., a Delaware corporation (the "Company") and Harris
Trust and Savings Bank. All capitalized terms used herein within definition
shall have the same meanings herein as such terms have in the Credit Agreement.

     The Company has requested that the Bank extend the Termination Date to
January 30, 2004, and the Bank is willing to do so under the terms and
conditions set forth in this Amendment.

SECTION 1. AMENDMENT.

     Subject to the satisfaction of the conditions precedent set forth in
Section 2 below, the Credit Agreement shall be and hereby is amended as follows:

          1.1. The definition of "Termination Date" appearing in Section 5.1 of
     the Credit Agreement shall be amended and restated in its entirety to read
     as follows:

               "Termination Date" means January 30, 2004, or such later date to
          which the Termination Date is extended pursuant to Section 1.3 hereof,
          or such earlier date on which the Commitment is terminated in whole
          pursuant to Section 3.4, 3.5, 9.2 or 9.3 hereof.

SECTION 2. CONDITIONS PRECEDENT.

     The effectiveness of this Amendment is subject to the satisfaction of all
of the following conditions precedent:

          2.1. The Company and the Bank shall have executed and delivered this
     Amendment.

          2.2. Legal matters incident to the execution and delivery of this
     Amendment shall be satisfactory to the Lender and its counsel.

          2.3. The Company shall have paid to the Bank an amendment fee of
     $25,000.

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SECTION 3.  REPRESENTATIONS.

     In order to induce the Bank to execute and deliver this Amendment, the
Company hereby represents to the Bank that the representations and warranties
set forth in Section 6 of the Credit Agreement are and shall be and remain true
and correct (except that the representations contained in Section 6.5 shall be
deemed to refer to the most recent consolidated financial statements of the
Company delivered to the Bank) and the Company is in compliance with the terms
and conditions of the Credit Agreement and no Default or event of Default has
occurred and is continuing under the Credit Agreement or shall result after
giving effect to this Amendment.

SECTION 4.  MISCELLANEOUS.

     4.1  The Company has heretofore executed and delivered to the Bank
certain Collateral Documents and the Company hereby acknowledges and agrees
that, notwithstanding the execution and delivery of this Amendment, the
Collateral Documents remain in full force and effect and the rights and
remedies of the Bank thereunder, the obligations of the Company thereunder and
the liens and security interest created and provided for by the Collateral
Documents as to the indebtedness which would be secured thereby prior to giving
effect to this Amendment.

     4.2  Except as specifically amended herein, the Credit Agreement shall
continue in full force and effect in accordance with its original terms.
Reference to this Amendment need not be made in the Credit Agreement, the Note,
or any other instrument or document executed in connection therewith, or in any
certificate, letter or communication issued or made pursuant to or with respect
to the Credit Agreement, any reference in any of such items to the Credit
Agreement being sufficient to refer to the Credit Agreement as amended hereby.

     4.3  This Amendment may be executed in any number of counterparts, and by
the different parties on different counterpart signature pages, all of which
taken together shall constitute one and the same agreement. Any of the parties
hereto may execute this Amendment by signing any such counterpart and each of
such counterparts shall for all purposes be deemed to be an original. This
Amendment shall be governed by the internal laws of the State of Illinois.

     This Fourth Amendment to Credit Agreement is dated as of January 11, 2002.

                                        MIDWEST BANC HOLDINGS, INC.

                                        By: /s/ Daniel R. Kadolph
                                           -------------------------------
                                        Its: Senior Vice President and Chief
                                             Financial Officer
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Accepted and agreed to in Chicago, Illinois as of the date and year last above
written.

                                                  HARRIS TRUST AND SAVINGS BANK

                                                  By  /s/ Michael S. Cameli
                                                    ----------------------------
                                                  Its Vice President

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