Document:

<PAGE>
                                  EXHIBIT 10(a)

                  1996 INCENTIVE STOCK OPTION PLAN, AS AMENDED

<PAGE>

                MERCHANTS AND MANUFACTURERS BANCORPORATION, INC.

                        1996 INCENTIVE STOCK OPTION PLAN

SECTION 1. ESTABLISHMENT, PURPOSE, AND EFFECTIVE DATE OF PLAN

     1.1 ESTABLISHMENT. Merchants and Manufacturers Bancorporation, Inc., a
Wisconsin corporation (together with any successor thereto, the "Corporation"),
hereby establishes the "MERCHANTS AND MANUFACTURERS BANCORPORATION, INC. 1996
INCENTIVE STOCK OPTION PLAN" (the "Plan") for Key Employees of the Corporation
and its Subsidiaries. The Plan permits the grant of Stock Options to such
employees.

     1.2 PURPOSE. The purpose of the Plan is to advance the interests of the
Corporation and its Subsidiaries by encouraging and providing for the
acquisition of an equity interest in the success of the Corporation by Key
Employees and by enabling the Corporation and its Subsidiaries to attract and
retain the services of Key Employees upon whose judgment, interest, skills, and
special effort the successful conduct of their operations is largely dependent.

     1.3 EFFECTIVE DATE. The Plan shall become effective on April 25, 1996,
subject, however, to the approval of the Plan by the shareholders of the
Corporation at the next annual meeting of shareholders within twelve months
following the date of adoption of the Plan by the Board.

SECTION 2. DEFINITIONS; CONSTRUCTION

     2.1 DEFINITIONS. Whenever used herein, the following terms shall have their
respective meanings set forth below:

          (a) "Board" means the Board of Directors of the Corporation.

          (b) "Code" means the Internal Revenue Code of 1986, as amended.

          (c) "Commission" means the United States Securities and Exchange
     Commission or any successor agency.

          (d) "Committee" means the committee of the Board, as specified in
     Section 3, appointed by the Board to administer the Plan, which shall
     consist of not less than three Directors, each of whom is a "disinterested
     person" within the meaning of Rule 16b-3.

          (e) "ERISA" means the Employee Retirement Income Security Act of 1974,
     as amended.

          (f) "Exchange Act" means the Securities Exchange Act of 1934, as
     amended from time to time.

                                    10(a)-1
<PAGE>

          (g) "Fair Market Value" means the fair market value of the Stock
     determined by such methods or procedures as shall be established from time
     to time by the Committee after giving due consideration to recent sales of
     Stock; provided, however, that the Fair Market Value shall not be less than
     the par value of the Stock; and provided further, that so long as the Stock
     is traded on a public market, Fair Market Value means the average of the
     high and low prices of a share of Stock in the over-the-counter market on
     the specified date, as reported by NASDAQ (or if no sales occurred on such
     date, the last preceding date on which sales occurred).

          (h) "Key Employee" means any officer or other key employee of the
     Corporation or of any Subsidiary who is responsible for or contributes to
     the management, growth or profitability of the business of the Corporation
     or any Subsidiary as determined by the Committee.

          (i) "Option" means the right to purchase Stock at a stated price for a
     specified period of time. For purposes of the Plan, an Option will be an
     "incentive stock option" within the meaning of Section 422 of the Code.

          (j) "Option Agreement" shall mean any written agreement, contract, or
     other instrument or document evidencing any Option granted under the Plan.

          (k) "Participant" means any Key Employee designated by the Committee
     to participate in the Plan.

          (l) "Rule 16b-3" means Rule 16b-3 as promulgated by the Commission
     under the Exchange Act or any successor rule or regulations thereto.

          (m) "Stock" means the Common Stock of the Corporation, $1.00 par value
     per share.

          (n) "Subsidiary" means any present or future subsidiary of the
     Corporation, as defined in Section 424(f) of the Code.

     2.2 NUMBER. Except when otherwise indicated by the context, the singular
shall include the plural, and the plural shall include the singular.

SECTION 3. ADMINISTRATION

     The Plan shall be administered by the Stock Option Committee of the Board
or by any other committee appointed by the Board consisting of not less than
three (3) Directors. The Committee shall be comprised solely of Directors, each
of whom is a disinterested person within the meaning of Rule 16b-3.

     Subject to the terms of the Plan and applicable law, the Committee shall
have full power and

                                    10(a)-2
<PAGE>

authority to: (i) designate Participants; (ii) determine the number of shares to
be covered by Options granted to Participants; (iii) determine the terms and
conditions of any Option granted to a Participant; (iv) determine whether, to
what extent and under what circumstances options granted to Participants may be
cancelled, forfeited, or suspended; (v) interpret and administer the Plan and
any instrument or agreement relating to, or Option made under, the Plan
(including, without limitation, any Option Agreement); (vi) establish, amend,
suspend, or waive such rules and regulations and appoint such agents as it shall
deem appropriate for the proper administration of the Plan;, and (vii) make any
other determination and take any other action that the Committee deems necessary
or desirable for the administration of the Plan. Unless otherwise expressly
provided in the Plan, all designations, determinations, interpretations, and
other decisions under or with respect to the Plan or any Option shall be within
the sole discretion of the Committee, may be made at any time, and shall be
final, conclusive, and binding upon all persons, including the Corporation, any
Subsidiary, any Participant, any holder or beneficiary of any Option, any
shareholder, and any employee of the Corporation or of any Subsidiary.

SECTION 4. ELIGIBILITY AND PARTICIPATION

     Participants in the Plan shall consist of those individuals selected by the
Committee from among those Key Employees, including any executive officer or
employee of the Corporation or of any Subsidiary, who, in the opinion of the
Committee, are in a position to contribute materially to the Corporation's
continued growth and development and to its long-term financial success.

SECTION 5. STOCK SUBJECT TO PLAN

          5.1 NUMBER. Subject to adjustment as provided in Section 5.3, the
     total number of shares of Stock with respect to which options may be
     granted pursuant to the Plan shall be 13,500. The shares to be delivered
     under the Plan may consist, in whole or in part, of authorized but unissued
     Stock or treasury Stock, not reserved for any other purpose.

          5.2 UNUSED STOCK. If, after the effective date of the Plan, any shares
     of Stock covered by an Option granted under the Plan, or to which any
     Option relates, are forfeited or if an Option otherwise terminates, expires
     or is cancelled prior to the delivery of all of the shares of Stock
     issuable pursuant to such Option, then the number of shares of Stock
     counted against the number of shares available under the Plan in connection
     with the grant of such Option, to the extent of any such forfeiture,
     termination, expiration or cancellation, shall again be available for
     granting of additional Options under the Plan.

          5.3 ADJUSTMENTS IN CAPITALIZATION. In the event that the Committee
     shall determine that any dividend or other distribution (whether in the
     form of cash, stock, other securities or other property), recapitalization,
     stock split, reverse stock split, reorganization, merger, consolidation,
     split-up, spin-off, combination, repurchase or exchange of stock or other
     securities of the Corporation, issuance of warrants or other rights to
     purchase stock or other securities of the Corporation, or other similar
     corporate transaction or event affects the Stock such that an adjustment is
     determined by the Committee to be appropriate in order to

                                    10(a)-3
<PAGE>

     prevent dilution or enlargement of the benefits or potential benefits
     intended to be made available under the Plan, then the Committee may, in
     such manner as it may deem equitable, adjust any or all of (i) the number
     and type of shares of Stock subject to the Plan and which thereafter may be
     made the subject of Options under the Plan; (ii) the number and type of
     shares of Stock subject to outstanding Options; and (iii) the exercise
     price with respect to any Option; provided, however, in each case, that
     with respect to Options that are incentive stock options, no such
     adjustment shall be authorized to the extent that such authority would
     cause such Options to cease to be treated as incentive stock options. Any
     such adjustment shall always be rounded to the nearest whole number of
     shares of Stock.

SECTION 6. TERM OF THE PLAN

     No Option shall be granted under the Plan after April 24, 2006. However,
unless otherwise expressly provided in the Plan or in an applicable Option
Agreement, any Option theretofore granted may extend beyond such date and, to
the extent set forth in the Plan, the authority of the Committee to amend alter,
adjust, suspend, discontinue or terminate any such Option or to waive any
conditions or restrictions with respect to any such Option, and the authority of
the Board to amend the Plan, shall extend beyond such date.

SECTION 7. STOCK OPTIONS

     7.1 GRANT OF OPTIONS TO KEY EMPLOYEES. Subject to the provisions of
Sections 5 and 6, Options may be granted to Participants who are Key Employees
at any time and from time to time as shall be determined by the Committee. The
Committee shall have complete discretion in determining the number of Options
granted to each such Participant. All Options are to be incentive stock options
within the meaning of Section 422 of the Code. In no event shall the Fair Market
Value (determined at the date of grant) of Stock with respect to which incentive
stock options are exercisable for the first time by a Participant during any
calendar year exceed $100,000.

     7.2 OPTION AGREEMENT. Each Option shall be evidenced by an Option Agreement
that shall specify the Option price, the duration of the Option, the number of
shares of Stock to which the Option pertains and such other provisions as the
Committee shall determine.

     7.3 OPTION PRICE. No Option granted pursuant to the Plan shall have an
Option price that is less than the Fair Market Value of the Stock on the date
the Option is granted, provided, however, that in the case of an Option that is
an incentive stock option granted to any person then owning more than ten
percent (10%) of the outstanding stock of the Corporation (within the meaning of
Section 422(b)(6) of the Code), the Option price shall not be less than one
hundred ten percent (110%) of the Fair Market Value of the Stock on such date.

     7.4 DURATION OF OPTION. Each Option shall expire at such time as the
Committee shall determine at the time it is granted, provided, however, that no
Option shall be exercisable later than the tenth (10th) anniversary date of its
grant.

                                    10(a)-4
<PAGE>

     7.5 EXERCISE OF OPTIONS. Options granted under the Plan shall be
exercisable at such times and be subject to such restrictions and conditions as
the Committee shall in each instance approve, which terms need not be the same
for all Participants. In no event shall any Option granted to a person then
owning more than 10% of the Corporation's outstanding stock be exercisable after
the expiration of five (5) years from the date of the grant thereof, nor shall
any other Option granted hereunder be exercisable after the expiration of ten
(10) years from the date of the grant thereof.

     7.6 PAYMENT. The Committee also shall determine the method or methods by
which, and the form or forms by which payment of the exercise price with respect
to an Option may be made or deemed to have been made.

     7.7 INCENTIVE-STOCK OPTIONS. The terms of incentive stock options granted
under the Plan shall comply in all respects with the provisions of Section 422
of the Code, or any successor provision thereto, and any regulations promulgated
thereunder.

     7.8 RESTRICTIONS ON STOCK TRANSFERABILITY. Subject to the terms of Sections
8 and 9, the Committee may impose such restrictions on any shares of Stock
acquired pursuant to the exercise of an option under the Plan as it may deem
advisable including, without limitation, restrictions imposed by or in order to
comply with registration exemptions under applicable Federal securities law,
under the requirements of any stock exchange upon which such shares of Stock are
then listed and under any blue sky or state securities laws applicable to such
shares.

SECTION 8. ADDITIONAL TRANSFER RESTRICTIONS

     No Participant may sell or otherwise dispose of Stock acquired upon the
exercise of an Option before the later of the expiration of the two-year period
beginning on the date of the grant of the Option or the expiration of the
one-year period beginning on the date of the transfer of such shares.

SECTION 9. RIGHTS OF FIRST REFUSAL

     9.1 GENERALLY. In addition to the transfer restrictions provided in
Sections 7 and 8, no Participant or personal representative of a deceased
Participant who holds Stock acquired under the Plan pursuant to the exercise of
an Option or any stock issued as a stock dividend thereon or any securities
issued in lieu thereof or in substitution or exchange thereof (together referred
to herein as "Securities") shall sell or otherwise dispose of the Securities
without first offering the Securities to the Corporation in writing for the
consideration and under the terms of payment to apply to the third-party
transfer. The written offer to the Corporation shall contain all of the
information relating to the proposed disposition, including but not limited to
the name and address of the proposed purchaser, the number of shares of Stock to
be transferred and the terms of the transfer.

     9.2 RESPONSE TO OFFER. Upon receipt by the Corporation of any such offer,
the Corporation shall have the right for a period of thirty (30) days after such
receipt to purchase such securities or place them with other stockholders of the
Corporation on the terms and at the price

                                    10(a)-5
<PAGE>

stated in such offer. If the Corporation shall fail to exercise such rights
within thirty (30) days after its receipt of such offer of sale, the offeror
may, within sixty (60) days after the date of delivery of such offer to the
Corporation, sell the Securities to the proposed purchaser upon the same terms
and price for which they were offered to the Corporation, and after such sale
such Securities shall be free of the restrictions of this Section 9.

     9.3 LEGEND ON CERTIFICATES. Certificates for all Securities shall be
endorsed with a legend referring to the restrictions on transfer set forth in
Sections 8 and 9.

     9.4 EXCEPTIONS. The provisions of this Section 9 shall not apply to a gift
or bequest of Securities, or disposition of the same pursuant to the laws of
intestate succession, provided, however, that any person who acquires any
Securities by gift, bequest or intestate succession shall be subject to the
provisions of this Section 9 to the same extent as though such person were a
Participant who acquired such Securities under the Plan.

     9.5 WAIVER. The provisions of this Section 9 may be waived in whole or in
part in any particular case or cases by the Committee or may be terminated at
any time by the Committee, whenever it may determine that no substantial benefit
to the Corporation is afforded by such provisions.

SECTION 10. BENEFICIARY DESIGNATION

     Each Participant under the Plan may, from time to time, name any
beneficiary or beneficiaries (who may be named contingently or successively) by
whom any Option under the Plan may be exercised in case of the Participant's
death before he or she exercises the entire Option. Each designation will revoke
all prior designations with respect to the options identified therein, shall be
in a form prescribed by the Committee and will be effective only when filed by
the Participant in writing with the Committee during his or her lifetime. In the
absence of any such designation, Options remaining unexercised at the
Participant's death may be exercised by the personal representative of the
Participant.

SECTION 11. RIGHTS OF PARTICIPANTS

     Nothing in the Plan shall interfere with or limit in any way the right of
the Corporation or any Subsidiary to terminate any Participant's employment at
any time nor confer upon any Participant any right to continue in the employ of
the Corporation or any Subsidiary.

SECTION 12. AMENDMENT, MODIFICATIONS AND TERMINATION OF PLAN

     12.1 GENERALLY. The Board may at any time terminate, and from time to time
may amend or modify the Plan, provided, however, that, notwithstanding any other
provision of the Plan or any Option Agreement, no such action of the Board,
without approval of the shareholders, may:

          (a) Increase the total amount of Stock which may be issued under the
     Plan, except

                                    10(a)-6
<PAGE>

     as provided in Sections 5.1 and 5.3 of the Plan;

          (b) Materially increase the cost of the Plan or materially increase
     the benefits to Participants; or

          (c) Change the class of individuals eligible to receive options.

     No amendment, modification or termination of the Plan shall in any manner
adversely affect any Option theretofore granted under the Plan, without the
consent of the Participant.

SECTION 13. TAX WITHHOLDING

     No later than the date as of which an amount first becomes includible in
the gross income of a Participant for federal income tax purposes with respect
to any Option under the Plan, the Participant shall pay to the Corporation, or
make arrangements satisfactory to the Corporation regarding the payment of, any
federal, state, local or foreign taxes of any kind required by law to be
withheld with respect to such amount. The obligations of the Corporation under
the Plan shall be conditional on such payment or arrangements, and the
Corporation and any Subsidiary shall, to the extent permitted by law, have the
right to deduct any such taxes from any payment otherwise due to the
Participant. The Committee may establish such procedures as it deems appropriate
for the settling of withholding obligations.

SECTION 14.  GENERAL

     14.1 RULE 16B-3 SIX-MONTH LIMITATIONS. Notwithstanding any other provision
of the Plan, to the extent required in order to comply with Rule 16b-3, any
equity security offered pursuant to the Plan may not be sold for at least six
months after acquisition, except in the case of death or disability, and any
derivative security issued pursuant to the Plan shall not be exercisable for at
least six months, except in case of death or disability of the holder thereof.
Terms used in the preceding sentence shall, for the purposes of such sentence
only, have the meanings, if any, assigned or attributed to them under Rule
16b-3.

     14.2 NO CONSIDERATION FOR OPTIONS. Options shall be granted to Participants
for no cash consideration unless otherwise determined by the Committee.

     14.3 LIMITS ON TRANSFER OF OPTIONS. No Option, and no right under any such
Option, shall be assignable, alienable, saleable or transferable by a
Participant otherwise than by will or by the laws of descent and distribution;
provided, however, that a Participant may designate a beneficiary or
beneficiaries to exercise his or her rights, and to receive any property
distributable, with respect to any Option as provided in Section 10 hereof. Each
Option, and each right under any Option, shall be exercisable during the
lifetime of the Participant only by such individual or, if permissible under
applicable law, by such individual's guardian or legal representative. No
Option, and no right under any such Option, may be pledged, alienated, attached
or otherwise encumbered, and any purported pledge, alienation, attachment or
encumbrance thereof shall be void and

                                    10(a)-7
<PAGE>

unenforceable against the Corporation or any Subsidiary.

SECTION 15. LEGAL CONSTRUCTION

     15.1 REQUIREMENTS OF LAW. The granting of Options under the Plan and the
issuance of shares of Stock in connection with an Option, shall be subject to
all applicable laws, rules and regulations, and to such approvals by any
governmental agencies or national securities exchanges as may be required.

     15.2 GOVERNING LAW. The Plan, and all Option Agreements hereunder, shall be
construed in accordance with and governed by the laws of the State of Wisconsin.

     15.3 SEVERABILITY. If any provision of the Plan or any Option Agreement or
any Option is or becomes or is deemed to be invalid, illegal or unenforceable in
any jurisdiction, or as to any person or Option, or would disqualify the Plan,
any Option Agreement or any Option under any law deemed applicable by the
Committee, such provision shall be construed or deemed amended to conform to
applicable laws, or if it cannot be so construed or deemed amended without, in
the determination of the Committee, materially altering the intent of the Plan,
any Option Agreement or the Option, such provision shall be stricken as to such
jurisdiction, person or Option, and the remainder of the Plan, any such Option
Agreement and any such Option shall remain in full force and effect.

                                    10(a)-8
<PAGE>

RESOLVED, that amended Subsection 5.1 of Section 5 of Merchants and
Manufacturers Bancorporation, Inc.'s 1996 Incentive Stock Option Plan shall be,
and it hereby is amended by striking out the first sentence reading as follows:

     "Subject to adjustment as provided in Section 5.3, the total number of
     shares of stock with respect to which options may be granted pursuant to
     the Plan shall be 60,000."

and inserting in lieu thereof the following:

     "Subject to adjustment as provided in Section 5.3, the total number of
     shares of stock with respect to which options may be granted pursuant to
     the Plan shall be 210,000."

                                    10(a)-9<PAGE>
                                                                   EXHIBIT 10(c)

                              CONSULTING AGREEMENT

     Agreement made this ____ day of __________, 2002, by and between Merchants
& Manufacturers Bancorporation, Inc., a Wisconsin corporation, which maintains
its principal office at 14100 West National Ave., New Berlin, Wisconsin,
hereafter referred to as "Merchants"; and Duane Bluemke, an individual, who
maintains his residence at 4585 Hewitts Point Road, Oconomowoc Wisconsin,
hereafter referred to as "Consultant".

                                    RECITALS

     WHEREAS, Merchants is a multi-bank holding company with several
wholly-owned banking subsidiaries, of which three were acquired by Merchants
from Fortress Bancshares, Inc., an Iowa multi-bank holding company; and

     WHEREAS, Consultant is experienced in the business of banking and would be
of substantial value to Merchants and several of its subsidiary banks; and

     WHEREAS, Merchants does desire to engage an independent consultant with the
experience and expertise of Consultant to assist in various activities as set
forth hereunder; and

     WHEREAS, Consultant is willing to assist Merchants on a nonexclusive basis
on certain specific terms and conditions,

     NOW THEREFORE, as an inducement to Consultant to consult with and advise
Merchants in those matters which are within the area of his expertise; and for
good and other valuable consideration; and on the terms, provisions, and
conditions hereof, the parties agree as follows:

                                   SECTION ONE
                           INCORPORATION BY REFERENCE

     The foregoing recitals are incorporated herein by this reference; and this
agreement shall be construed by reference thereto.

                                   SECTION TWO
                           NATURE AND TERM OF SERVICE

     Merchants agrees to engage the services of Consultant and Consultant agrees
to perform services as Consultant for a term which shall continue from the date
hereof for a period of twenty-four (24) months unless terminated by either party
for any reason upon written notice, of not less than sixty (60) days.

                                    10(c)-1
<PAGE>

     Consultant shall make reasonable efforts to be available to work at
reasonable periods of time, upon reasonable notice, for the purposes of
performing the services required by Merchants, the nature of which are described
more fully in this agreement; upon the specific condition however, that such
services shall be within the expertise of consultant as known to Merchants, and
as reasonably agreed upon by Merchants and Consultant.

                                  SECTION THREE
                          DUTIES AND RESPONSIBILITIES

     During the term of this agreement the Consultant shall devote his
nonexclusive services to the discharge of any duties and responsibilities
delegated to him by the Chairman of Merchants, for the purposes contemplated by
this agreement and specifically within the expertise of Consultant. Said duties
shall include the direct supervision of and chairmanship of the Operating
Committee which serves to coordinate activities between the Fortress Bank of
Westby, the Fortress Bank of Cresco, and Fortress Bank, N.A.

     Consultant will work closely with the Chairman of Merchants and with other
Officers delegated by him in an effort to efficiently and expertly accomplish
any task that is delegated to him, but that Consultant will use his own
knowledge and skills in the discharge of the duties that are delegated to him,
all within reasonable commercial standards and in compliance with all pertinent
federal and state banking laws and regulations.

                                  SECTION FOUR
                                  COMPENSATION

     In consideration of all services rendered during the term of this
agreement, including any necessary travel time, Consultant shall be compensated
at a rate of $10,000.00 per year, which compensation shall be due and payable at
the end of each month.

     Merchants will not deduct federal, state, and social security taxes, or
workman's compensation, or unemployment insurance premiums, from such
compensation, the payment of which shall be the sole and exclusive
responsibility of Consultant as an independent contractor. Consultant shall also
be responsible for any and all pertinent benefit items including, but not
limited to retirement plan contributions, and medical and dental insurance
premiums.

                                  SECTION FIVE
                             RELATIONSHIP OF PARTIES

     The parties to this agreement stipulate that Consultant is an individual,
and that the relationship created by this agreement is that of a
principal-independent contractor; and that Consultant is not an employee of
Merchants or any of its subsidiaries; and that

                                    10(c)-2
<PAGE>

Consultant is not entitled to benefits normally provided by Merchants to an
employee. It is further agreed and understood that by reason of the independent
contractor status of consultant, Merchants will not withhold from compensation
paid to Consultant any sums for federal and state withholding taxes and/or FICA
taxes, and/or unemployment or workmen's compensation insurance.

     Consultant may operate his business for the benefit of others during those
periods when consultant is not performing work under this contract for
Merchants.

     Consultant will be responsible for, and shall hold Merchants harmless by
reason of any negligence, or intentional acts or omissions that may cause damage
to any person or party as a result of his performance of this agreement.

                                   SECTION SIX
                                   TERMINATION

     Either party may terminate this agreement upon sixty (60) days written
notice to the other. Further, this agreement will terminate upon the death or
disability of Consultant.

                                  SECTION SEVEN
                                 CONFIDENTIALITY

     Consultant acknowledges that any information Consultant has obtained or
will obtain in the future regarding the operation of Merchants or its
affiliates, its products, services, policies or any other aspect of its business
is confidential; and shall not be reveled or disclosed to any person, company,
or other entity without the express written permission of Merchants. Consultant
acknowledges that he is aware of, and will adhere to, the restrictions of the
privacy provisions of the Gramm-Leach-Bliley Act, and as amended from
time-to-time. This provision shall be in full force and effect from the
effective date of this agreement, and shall survive the termination of this
agreement unless extended due to the provisions of any pertinent law or statute.

                                  SECTION EIGHT
                             CHANGES AND ALTERATIONS

     No change, alteration, modification, or addition to this agreement shall be
effective unless in writing and properly executed by the parties hereto.

                                  SECTION NINE
                                   ASSIGNMENT

     This agreement may not be assigned or otherwise transferred by either party
hereto.

                                    10(c)-3
<PAGE>

                                   SECTION TEN
                                OTHER AGREEMENTS

     This agreement supersedes all previous agreements and understandings with
respect to the matters covered hereby. Agreements dated prior to the execution
of this agreement between Consultant and Merchants are hereby amended to conform
to this agreement.

                                 SECTION ELEVEN
                                 APPLICABLE LAW

     This agreement and any disputes relating thereto shall be construed under
and pursuant to the laws of the State of Wisconsin.

                                 SECTION TWELVE
                            CONTRACT TERMS EXCLUSIVE

     This agreement constitutes the entire agreement between the parties hereto
and the parties acknowledge and agree that neither of them has made any
representations with respect to the subject matter of this agreement, or any
representations inducing the execution and delivery hereof; except as
specifically set forth herein; and each of the parties hereto acknowledge that
he or it has relied on its own judgment in entering the same.

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

-------------------------
Duane Bluemke, Consultant

Merchants & Manufacturers Bancorporation, Inc.

By:_________________________
   Michael Murry, Chairman of the Board

                                    10(c)-4

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00043-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00043-of-00352.parquet"}]]