0000885694-02-000004 Sample Contracts

ESOP NOTE February 22, 2002
Esop Note • February 26th, 2002 • Covest Bancshares Inc • National commercial banks

This Note evidences a loan made pursuant to a Loan Agreement between Lender and Borrower dated February 22, 2002 (the "Loan Agreement"). Reference is made to the Loan Agreement for a statement of the terms and conditions under which the loan evidenced by this Note is made.

ARTICLE III REPRESENTATIONS AND WARRANTIES OF THE TRUSTEE
Esop Loan Agreement • February 26th, 2002 • Covest Bancshares Inc • National commercial banks • Illinois