0001193125-05-074920 Sample Contracts

FIFTH AMENDMENT TO LOAN AGREEMENT
Loan Agreement • April 13th, 2005 • BankFinancial CORP • Savings institution, federally chartered • Illinois

This FIFTH AMENDMENT TO LOAN AGREEMENT (this “Fifth Amendment”), dated as of March 22, 2005, is entered into by and between BANKFINANCIAL CORPORATION, a federal corporation and a subsidiary savings and loan holding company (the “Borrower”), BANKFINANCIAL CORPORATION MHC, INC. (formerly known as Financial Federal MHC, Inc.), a federally chartered mutual holding company and the parent of Borrower (the “Parent”), and JP MORGAN CHASE BANK, N.A. (successor in interest to American National Bank and Trust Company of Chicago), a national banking association (the “Lender”).

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FOURTH AMENDMENT TO LOAN AGREEMENT
Loan Agreement • April 13th, 2005 • BankFinancial CORP • Savings institution, federally chartered • Illinois

This FOURTH AMENDMENT TO LOAN AGREEMENT (this “Fourth Amendment”), dated as of December 29, 2004, is entered into by and between BANKFINANCIAL CORPORATION, a federal corporation and a subsidiary savings and loan holding company (the “Borrower”), BANKFINANCIAL CORPORATION MHC, INC. (formerly known as Financial Federal MHC, Inc.), a federally chartered mutual holding company and the parent of Borrower (the “Parent”), and JP MORGAN CHASE BANK, N.A. (successor in interest to American National Bank and Trust Company of Chicago), a national banking association (the “Lender”).

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