Common use of Securities Documents and Regulatory Reports Clause in Contracts

Securities Documents and Regulatory Reports. (a) MB's Securities Documents filed after December 31, 1999, (i) compiled in all material respects with the applicable requirements under the Securities Act or the Exchange Act, as the case may be, and (ii) did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading; and each of the balance sheets or 38 Next Page statements of condition contained in or incorporated by reference into any such Securities Document (including the related notes and schedules thereto) fairly presents the financial position of MB and its Subsidiaries as of its date, and each of the statements of income or results of operations and changes in stockholders' equity and cash flows or equivalent statements in such Securities Documents (including any notes or schedules thereto) fairly presents, in all material respects, the results of operations, changes in stockholders' equity and cash flows, as the case may be, of MB and its Subsidiaries for the periods to which they relate, in each case in accordance with GAAP consistently applied during the periods involved, except in each case as may be noted therein, subject to non-material, normal year-end audit adjustments and the absence of footnotes in the case of unaudited financial statements. (b) MB and its Subsidiaries have duly and timely filed with all applicable Regulatory Authorities all reports required to be filed by them under applicable laws and regulations and such reports were complete and accurate in all material respects and in compliance in all material respects with the requirements of applicable laws and regulations. In connection with the examinations of MB Bank since January 1, 1998 by the OCC or any other Regulatory Authority, MB Bank was not required to correct or change any action, procedure or proceeding which MB believes has not been corrected or changed as required.

Securities Documents and Regulatory Reports. (a) MB's ▇▇▇▇’▇ Securities Documents filed after December 31, 19992002, (i) compiled in all material respects with the applicable requirements under the Securities Act or the Exchange Act, as the case may be, and (ii) did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading; and each of the balance sheets or 38 Next Page statements of condition contained in or incorporated by reference into any such Securities Document (including the related notes and schedules thereto) fairly presents in all material respects the financial position of MB ▇▇▇▇ and its Subsidiaries as of its date, and each of the statements of income or results of operations and changes in stockholders' shareholders’ equity and cash flows or equivalent statements in such Securities Documents (including any notes or schedules thereto) fairly presents, in all material respects, the results of operations, changes in stockholders' shareholders’ equity and cash flows, as the case may be, of MB ▇▇▇▇ and its Subsidiaries for the periods to which they relate, in each case in accordance with GAAP consistently applied during the periods involved, except in each case as may be noted therein, subject to non-material, normal year-end audit adjustments and the absence of footnotes in the case of unaudited financial statements. (b) MB ▇▇▇▇ and its Subsidiaries have duly and timely filed with all applicable Regulatory Authorities all reports required to be filed by them under applicable laws and regulations and such reports were complete and accurate in all material respects and in compliance in all material respects with the requirements of applicable laws and regulations. In connection with the examinations of MB OB Bank since January 1December 31, 1998 2002 by the OCC Illinois Bank Regulator, the FDIC or any other Regulatory Authority, MB OB Bank was not required to correct or change any action, procedure or proceeding which MB ▇▇▇▇ believes has not been corrected or changed as required. As of the date hereof, the last examination of OB Bank by the Illinois Bank Regulator or the FDIC was as of December 31, 2005.

Securities Documents and Regulatory Reports. (a) MB's MFB’s Securities Documents filed after December 31September 30, 19992003, (i) compiled complied in all material respects with the applicable requirements under the Securities Act or the Exchange Act, as the case may be, and (ii) did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading; and each of the balance sheets or 38 Next Page statements of condition contained in or incorporated by reference into any such Securities Document (including the related notes and schedules thereto) fairly presents in all material respects the financial position of MB MFB and its Subsidiaries as of its date, and each of the statements of income or results of operations and changes in stockholders' shareholders’ equity and cash flows or equivalent statements in such Securities Documents (including any notes or schedules thereto) fairly presents, in all material respects, the results of operations, changes in stockholders' shareholders’ equity and cash flows, as the case may be, of MB MFB and its Subsidiaries for the periods to which they relate, in each case in accordance with GAAP consistently applied during the periods involved, except in each case as may be noted therein, subject to non-material, normal year-end audit adjustments and the absence of footnotes in the case of unaudited financial statements. (b) MB MFB and its Subsidiaries have duly and timely filed with all applicable Regulatory Authorities all reports required to be filed by them under applicable laws and regulations and such reports were complete and accurate in all material respects and in compliance in all material respects with the requirements of applicable laws and regulations. In connection with the examinations of MB Bank MFB Financial since January 1September 30, 1998 2003 by the OCC OTS, the FDIC or any other Regulatory Authority, MB Bank MFB Financial was not required to correct or change any action, procedure or proceeding which MB MFB believes has not been corrected or changed as required. As of the date hereof, the last examination of MFB Financial by the OTS was as of June 25, 2007.

Securities Documents and Regulatory Reports. (a) MB's F▇▇▇’▇ Securities Documents filed after December 31, 19992002, (i) compiled in all material respects with the applicable requirements under the Securities Act or the Exchange Act, as the case may be, and (ii) did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading; and each of the balance sheets or 38 Next Page statements of condition contained in or incorporated by reference into any such Securities Document (including the related notes and schedules thereto) fairly presents in all material respects the financial position of MB F▇▇▇ and its Subsidiaries as of its date, and each of the statements of income or results of operations and changes in stockholders' shareholders’ equity and cash flows or equivalent statements in such Securities Documents (including any notes or schedules thereto) fairly presents, in all material respects, the results of operations, changes in stockholders' shareholders’ equity and cash flows, as the case may be, of MB F▇▇▇ and its Subsidiaries for the periods to which they relate, in each case in accordance with GAAP consistently applied during the periods involved, except in each case as may be noted therein, subject to non-material, normal year-end audit adjustments and the absence of footnotes in the case of unaudited financial statements. (b) MB F▇▇▇ and its Subsidiaries have duly and timely filed with all applicable Regulatory Authorities all reports required to be filed by them under applicable laws and regulations and such reports were complete and accurate in all material respects and in compliance in all material respects with the requirements of applicable laws and regulations. In connection with the examinations of MB OB Bank since January 1December 31, 1998 2002 by the OCC Illinois Bank Regulator, the FDIC or any other Regulatory Authority, MB OB Bank was not required to correct or change any action, procedure or proceeding which MB F▇▇▇ believes has not been corrected or changed as required. As of the date hereof, the last examination of OB Bank by the Illinois Bank Regulator or the FDIC was as of December 31, 2005.