Western Reserve Bancorp Inc Sample Contracts

1 EXHIBIT 99 FORM OF SUBSCRIPTION AGREEMENT
Subscription Agreement • December 29th, 1997 • Western Reserve Bancorp Inc
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LEASE
Lease • March 31st, 1999 • Western Reserve Bancorp Inc • State commercial banks
AGREEMENT
Agreement • March 28th, 2003 • Western Reserve Bancorp Inc • State commercial banks • Ohio
SIXTH AMENDMENT TO LOAN AGREEMENT
Loan Agreement • November 14th, 2007 • Western Reserve Bancorp Inc • State commercial banks • Minnesota

THIS SIXTH AMENDMENT TO LOAN AGREEMENT (this “Amendment”) is made and entered into as of September 28, 2007 by and between WESTERN RESERVE BANCORP, INC., an Ohio corporation (the “Borrower”) and TCF NATIONAL BANK, a national banking association (the “Bank”).

EMPLOYMENT AGREEMENT
Employment Agreement • November 14th, 2011 • Western Reserve Bancorp Inc • State commercial banks

This Agreement is made this 19th day of August, 2011, by and between Western Reserve Bancorp., Inc., an Ohio corporation (the “Corporation”), and Edward J. McKeon (the “Employee”).

AGREEMENT AND PLAN OF MERGER
Agreement and Plan of Merger • June 5th, 2012 • Western Reserve Bancorp Inc • State commercial banks • Ohio

THIS AGREEMENT AND PLAN OF MERGER (“Agreement”) is dated to be effective as of the 5th day of June, 2012, by and among WESTFIELD BANCORP, INC., an Ohio corporation (“Westfield”), WESTFIELD ACQUICO, INC., an Ohio corporation (“Merger Sub”) and WESTERN RESERVE BANCORP, INC., an Ohio corporation (“Western Reserve”).

ELEVENTH AMENDMENT TO LOAN AGREEMENT
Loan Agreement • November 14th, 2011 • Western Reserve Bancorp Inc • State commercial banks • Minnesota

THIS ELEVENTH AMENDMENT TO LOAN AGREEMENT (this “Amendment”) is made and entered into as of September 15, 2011, by and between WESTERN RESERVE BANCORP, INC., an Ohio corporation (the “Borrower”) and TCF NATIONAL BANK, a national banking association (the “Bank”).

Re: Loan Covenant Waiver for September 30, 2006 — Western Reserve Bancorp, Inc.
Western Reserve Bancorp Inc • August 14th, 2007 • State commercial banks

This letter is being written as acknowledgement between the borrower and the bank that the existing loans to borrower were in violation of covenant 4.16(e) of the Credit Agreement dated May 5, 2003 and subsequent amendments. The covenant reads as follow: Western Reserve Bank shall maintain a ratio of Allowance for loan and lease losses to Non-performing Loans of not less than 125% at all times. Actual Allowance for loan and lease losses to Non-performing Loans was 94.2% at September 30, 2006.

1 EXHIBIT 10 B. AGREEMENT AMONG ORGANIZERS
Agreement • December 29th, 1997 • Western Reserve Bancorp Inc
TENTH AMENDMENT TO LOAN AGREEMENT AND WAIVER
Loan Agreement • May 16th, 2011 • Western Reserve Bancorp Inc • State commercial banks • Minnesota

THIS TENTH AMENDMENT TO LOAN AGREEMENT AND WAIVER (this “Amendment”) is made and entered into as of March 31, 2011 by and between WESTERN RESERVE BANCORP, INC., an Ohio corporation (the “Borrower”) and TCF NATIONAL BANK, a national banking association (the “Bank”).

THIRD AMENDMENT TO LOAN AGREEMENT
Loan Agreement • November 14th, 2006 • Western Reserve Bancorp Inc • State commercial banks • Minnesota

THIS THIRD AMENDMENT TO LOAN AGREEMENT (this “Amendment”) is made and entered into as of the _20th___ day of July, 2006 by and between WESTERN RESERVE BANCORP, INC., an Ohio corporation (the “Borrower”) and TCF NATIONAL BANK, a national banking association (the “Bank”).

FIFTH AMENDMENT TO LOAN AGREEMENT AND WAIVER
Loan Agreement and Waiver • August 14th, 2007 • Western Reserve Bancorp Inc • State commercial banks • Minnesota

THIS FIFTH AMENDMENT TO LOAN AGREEMENT AND WAIVER (this “Amendment”) is made and entered into as of June 21, 2007 by and between WESTERN RESERVE BANCORP, INC., an Ohio corporation (the “Borrower”) and TCF NATIONAL BANK, a national banking association (the “Bank”).

Amendment to Employment Agreement
Employment Agreement • November 25th, 2009 • Western Reserve Bancorp Inc • State commercial banks

As you know, Western Reserve Bancorp elected to participate in the Capital Purchase Program (CPP) of the Troubled Asset Relief Program (TARP). As long as we are a participant, we must comply with certain TARP compensation provisions.

LEASE
Instrument of Lease • March 30th, 2005 • Western Reserve Bancorp Inc • State commercial banks
Second Amendment to Loan Agreement by and between Western Reserve Bancorp, Inc. and TCF National Bank, dated June 30, 2005
Loan Agreement • August 15th, 2005 • Western Reserve Bancorp Inc • State commercial banks • Minnesota

THIS SECOND AMENDMENT TO LOAN AGREEMENT (this “Amendment”) is made and entered into as of the 30th day of June, 2005 by and between WESTERN RESERVE BANCORP, INC., an Ohio corporation (the “Borrower”) and TCF NATIONAL BANK, a national banking association (the “Bank”).

FIRST AMENDMENT TO LOAN AGREEMENT
Loan Agreement • May 16th, 2005 • Western Reserve Bancorp Inc • State commercial banks • Minnesota

THIS FIRST AMENDMENT TO LOAN AGREEMENT (this “Amendment”) is made and entered into as of the 31st day of March 2005 by and between WESTERN RESERVE BANCORP, INC., an Ohio corporation (the “Borrower”) and TCF NATIONAL BANK, a national banking association (the “Bank”).

EMPLOYMENT AGREEMENT
Employment Agreement • December 19th, 2005 • Western Reserve Bancorp Inc • State commercial banks

This Agreement is made this 15th day of December, 2005, by and between Western Reserve Bancorp., Inc., an Ohio corporation (the “Corporation”), and Edward J. McKeon (the “Employee”).

Western Reserve Bancorp, Inc. Amendment to Stock Option Grant Agreement
Stock Option Grant Agreement • October 22nd, 2008 • Western Reserve Bancorp Inc • State commercial banks

Optionee: Date of Original Stock Option Grant Agreement: Number of Option Shares: Exercise Price: Current Exercise Termination Date:

EIGHTH AMENDMENT TO LOAN AGREEMENT AND WAIVER
Loan Agreement and Waiver • August 14th, 2009 • Western Reserve Bancorp Inc • State commercial banks • Minnesota

THIS EIGHTH AMENDMENT TO LOAN AGREEMENT AND WAIVER (this “Amendment”) is made and entered into as of June 19, 2009 by and between WESTERN RESERVE BANCORP, INC., an Ohio corporation (the “Borrower”) and TCF NATIONAL BANK, a national banking association (the “Bank”).

SEVENTH AMENDMENT TO LOAN AGREEMENT
Loan Agreement • November 14th, 2008 • Western Reserve Bancorp Inc • State commercial banks • Minnesota

THIS SEVENTH AMENDMENT TO LOAN AGREEMENT (this “Amendment”) is made and entered into as of July 18, 2008 by and between WESTERN RESERVE BANCORP, INC., an Ohio corporation (the “Borrower”) and TCF NATIONAL BANK, a national banking association (the “Bank”).

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TWELFTH AMENDMENT TO LOAN AGREEMENT
Loan Agreement • August 13th, 2012 • Western Reserve Bancorp Inc • State commercial banks • Minnesota

THIS TWELFTH AMENDMENT TO LOAN AGREEMENT (this “Amendment”) is made and entered into as of June 29, 2012, by and between WESTERN RESERVE BANCORP, INC., an Ohio corporation (the “Borrower”) and TCF NATIONAL BANK, a national banking association (the “Bank”).

RECITALS
Escrow Agreement • December 29th, 1997 • Western Reserve Bancorp Inc
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