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Midwest Banc Holdings, Inc.

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Midwest Banc Holdings, Inc.

Overview:

Midwest Banc Holdings, Inc. is a community-based bank holding company. The Company provides a wide range of services, including traditional banking services, personal and corporate trust services, residential mortgage services, insurance brokerage and retail securities brokerage services throughout the greater Chicago metropolitan area.

The Company's principal operating subsidiaries are: Midwest Bank and Trust Company, Midwest Financial and Investment Services, Inc., and Midwest Bank Insurance Services.

Midwest Banc Holdings, Inc. and it subsidiaries will provide a range of quality banking and related financial services at competitive rates that meet the need of individuals, families and businesses in the communities we serve. Our business activities will: (1) generate a satisfactory rate of return on investment for our stockholders and (2) demonstrate our continued commitment to the community as a responsible partner for growth and quality of life.

We will provide a full range of banking services and related financial services as regulatory practices permit over time. We will seek to maintain our core customer base and develop new long-term customer relationships within new markets we serve and their neighboring communities. Our efforts will be based upon a mutual respect for our customers, employees and stockholders.

We will provide superior value for our customers' business; we will compensate our employees fairly and competitively; we will protect our stockholders' investment, enhancing the underlying value of our market franchise of each subsidiary.

Our Commitment...We will provide quality financial services at affordable, competitive prices for the entire community...individuals, families, businesses and non-profit organizations.

Our Philosophy...A bank is part of the community...it grows with the community...it should strengthen the community...A bank should meet the simplest need and the boldest dreams of the individuals and businesses within its community.

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