<html>
<head>

  </head>
<body lang="EN-US">
<div style="font-family:Times New Roman;">
<div style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 3.0pt;padding:1.0pt 0in 1.0pt 0in;">
<p style="border:none;margin:0in 0in .0001pt;padding:0in;"><font size="1" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
</div>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">UNITED STATES</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">SECURITIES AND EXCHANGE COMMISSION</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Washington, DC 20549</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div align="center" style="margin:0in 0in .0001pt;text-align:center;"><hr size="1" width="25%" noshade color="black" align="center"></div>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">FORM&nbsp;8-K</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div align="center" style="margin:0in 0in .0001pt;text-align:center;"><hr size="1" width="25%" noshade color="black" align="center"></div>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="3" face="Times New Roman" style="font-size:12.0pt;font-weight:bold;">CURRENT REPORT</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="3" face="Times New Roman" style="font-size:12.0pt;font-weight:bold;">Pursuant to Section&nbsp;13 or 15(d)&nbsp;of the</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="3" face="Times New Roman" style="font-size:12.0pt;font-weight:bold;">Securities Exchange Act of 1934</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Date of Report (Date of earliest event reported): <b>September&nbsp;3, 2013</b></font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div align="center" style="margin:0in 0in .0001pt;text-align:center;"><hr size="1" width="25%" noshade color="black" align="center"></div>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">MB FINANCIAL,&nbsp;INC.</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Exact name of registrant as specified in its charter)</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div align="center" style="margin:0in 0in .0001pt;text-align:center;"><hr size="1" width="25%" noshade color="black" align="center"></div>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div align="center">
<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
<tr>
<td width="32%" valign="top" style="padding:0in 0in 0in 0in;width:32.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Maryland</font></b></p>    </td>
<td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.0%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="32%" valign="top" style="padding:0in 0in 0in 0in;width:32.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">0-24566-01</font></b></p>    </td>
<td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.0%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="32%" valign="top" style="padding:0in 0in 0in 0in;width:32.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">36-4460265</font></b></p>    </td>   </tr>
<tr>
<td width="32%" valign="top" style="padding:0in 0in 0in 0in;width:32.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(State or other jurisdiction<br>   of incorporation)</font></p>    </td>
<td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="32%" valign="top" style="padding:0in 0in 0in 0in;width:32.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Commission File No.)</font></p>    </td>
<td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="32%" valign="top" style="padding:0in 0in 0in 0in;width:32.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(IRS Employer<br>   Identification No.)</font></p>    </td>   </tr>  </table>
</div>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div align="center">
<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
<tr>
<td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">800 West Madison Street, Chicago,&nbsp;Illinois</font></b></p>    </td>
<td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.0%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">60607</font></b></p>    </td>   </tr>
<tr>
<td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Address of principal executive offices)</font></p>    </td>
<td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Zip Code)</font></p>    </td>   </tr>  </table>
</div>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Registrant&#146;s telephone number, including area code: <b>(888)&nbsp;422-6562</b></font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">N/A</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Former name or former address, if changed since last report)</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div align="center" style="margin:0in 0in .0001pt;text-align:center;"><hr size="1" width="25%" noshade color="black" align="center"></div>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Check the appropriate box below if the Form&nbsp;8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt 24.5pt;text-indent:-24.5pt;"><font size="2" face="Wingdings" style="font-size:10.0pt;">o</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">Written communications pursuant to Rule&nbsp;425 under the Securities Act (17 CFR 230.425)</font></p>
<p style="margin:0in 0in .0001pt 24.5pt;text-indent:-24.5pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt 24.5pt;text-indent:-24.5pt;"><font size="2" face="Wingdings" style="font-size:10.0pt;">o</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">Soliciting material pursuant to Rule&nbsp;14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></p>
<p style="margin:0in 0in .0001pt 24.5pt;text-indent:-24.5pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt 24.5pt;text-indent:-24.5pt;"><font size="2" face="Wingdings" style="font-size:10.0pt;">o</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">Pre-commencement communications pursuant to Rule&nbsp;14d-2(b)&nbsp;under the Exchange Act (17 CFR 240.14d-2(b))</font></p>
<p style="margin:0in 0in .0001pt 24.5pt;text-indent:-24.5pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt 24.5pt;text-indent:-24.5pt;"><font size="2" face="Wingdings" style="font-size:10.0pt;">o</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">Pre-commencement communications pursuant to Rule&nbsp;13e-4(c)&nbsp;under the Exchange Act (17 CFR 240.13e-4(c))</font></p>
<p style="margin:0in 0in .0001pt 24.5pt;text-indent:-24.5pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div style="border-bottom:solid windowtext 3.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:1.0pt 0in 1.0pt 0in;">
<p style="border:none;margin:0in 0in .0001pt;padding:0in;"><font size="1" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>
</div>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div style="margin:0in 0in .0001pt;"><hr size="3" width="100%" noshade color="#010101" align="left"></div>
</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\C901484\13-20060-1\task6233784\20060-1-ba.htm',USER='C901484',CD='Aug 31 08:14 2013' -->

<br clear="all" style="page-break-before:always;">
<div>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Item 7.01. Regulation FD Disclosure</font></b></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Forward-Looking Statements</font></b></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">When used in this Current Report on Form&nbsp;8-K and in other reports filed with or furnished to the Securities and Exchange Commission (the &#147;SEC&#148;), in press releases or other public stockholder communications, or in oral statements made with the approval of an authorized executive officer, the words or phrases &#147;believe,&#148; &#147;will,&#148; &#147;should,&#148; &#147;will likely result,&#148; &#147;are expected to,&#148; &#147;will continue&#148; &#147;is anticipated,&#148; &#147;estimate,&#148; &#147;project,&#148; &#147;plans,&#148; or similar expressions are intended to identify &#147;forward-looking statements&#148; within the meaning of the Private Securities Litigation Reform Act of 1995.&#160; You are cautioned not to place undue reliance on any forward-looking statements, which speak only as of the date made.&#160; These statements may relate to our future financial performance, strategic plans or objectives, revenues or earnings projections, or other financial items.&#160; By their nature, these statements are subject to numerous uncertainties that could cause actual results to differ materially from those anticipated in the statements.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Important factors that could cause actual results to differ materially from the results anticipated or projected include, but are not limited to, the following: (1)&nbsp;expected revenues, cost savings, synergies and other benefits from the pending merger of MB Financial,&nbsp;Inc. (&#147;MB Financial&#148;) and Taylor Capital Group,&nbsp;Inc. (&#147;Taylor Capital&#148;) and our other merger and acquisition activities might not be realized within the anticipated time frames or at all, and costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected; (2)&nbsp;requisite stockholder and regulatory approvals for the MB Financial-Taylor Capital merger might not be obtained; (3)&nbsp;the possibility that the expected benefits of the FDIC-assisted and other transactions we previously completed will not be realized; (4)&nbsp;the credit risks of lending activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for loan losses, which could necessitate additional provisions for loan losses, resulting both from loans we originate and loans we acquire from other financial institutions; (5)&nbsp;results of examinations by the Office of Comptroller of Currency, the Federal Reserve Board and other regulatory authorities, including the possibility that any such regulatory authority may, among other things, require us to increase our allowance for loan losses or write-down assets; (6)&nbsp;competitive pressures among depository institutions; (7)&nbsp;interest rate movements and their impact on customer behavior and net interest margin; (8)&nbsp;the impact of repricing and competitors&#146; pricing initiatives on loan and deposit products; (9)&nbsp;fluctuations in real estate values; (10)&nbsp;the ability to adapt successfully to technological changes to meet customers&#146; needs and developments in the market-place; (11) our ability to realize the residual values of our direct finance, leveraged, and operating leases; (12) our ability to access cost-effective funding; (13) changes in financial markets; (14) changes in economic conditions in general and in the Chicago metropolitan area in particular; (15) the costs, effects and outcomes of litigation; (16) new legislation or regulatory changes, including but not limited to the Dodd-Frank Wall Street Reform and Consumer Protection Act (the &#147;Dodd-Frank Act&#148;) and regulations adopted thereunder, changes in capital requirements pursuant to the Dodd-Frank Act and the implementation of the Basel III capital standards, other governmental initiatives affecting the financial services industry and changes in federal and/or state tax laws or interpretations thereof by taxing authorities; (17) changes in accounting principles, policies or guidelines; (18) our future acquisitions of other depository institutions or lines of business; and (19) future goodwill impairment due to changes in our business, changes in market conditions, or other factors.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MB Financial does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date on which the forward-looking statement is made.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Additional Information</font></b></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MB Financial will file a registration statement on Form&nbsp;S-4 with the SEC in connection with the proposed MB Financial-Taylor Capital merger.&#160; The registration statement will include a joint proxy statement of MB Financial and Taylor Capital that also constitutes a prospectus of MB Financial, which will be sent to the stockholders of MB Financial and Taylor Capital.&#160; Stockholders are advised to read the joint proxy statement/prospectus when it becomes available because it will contain important information about MB Financial, Taylor Capital and the proposed transaction.&#160; When filed, this document and other documents relating to the merger filed by MB</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2<a name="PB_2_080106_7056"></a></font></p>
<div style="margin:0in 0in .0001pt;"><hr size="3" width="100%" noshade color="#010101" align="left"></div>
</div>
<!-- SEQ.=1,FOLIO='2',FILE='C:\JMS\C901484\13-20060-1\task6233784\20060-1-ba.htm',USER='C901484',CD='Aug 31 08:14 2013' -->

<br clear="all" style="page-break-before:always;">
<div style="font-family:Times New Roman;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Financial and Taylor Capital can be obtained free of charge from the SEC&#146;s website at </font><font size="2" style="font-size:10.0pt;">www.sec.gov</font><font size="2" style="font-size:10.0pt;">.&#160; These documents also can be obtained free of charge by accessing MB Financial&#146;s website at </font><font size="2" style="font-size:10.0pt;">www.mbfinancial.com</font><font size="2" style="font-size:10.0pt;"> under the tab &#147;Investor Relations&#148; and then under &#147;SEC Filings&#148; or by accessing Taylor Capital&#146;s website at www.taylorcapitalgroup.com under the tab &#147;SEC Filings&#148; and then under &#147;Documents&#148;.&#160; Alternatively, these documents, when available, can be obtained free of charge from MB Financial upon written request to MB Financial,&nbsp;Inc., Secretary, 6111 North River Road, Rosemont,&nbsp;Illinois 60018 or by calling (847) 653-1992, or from Taylor Capital, upon written request to Taylor Capital Group,&nbsp;Inc.,&nbsp;Investor Relations, 9550 West Higgins Road, Rosemont,&nbsp;Illinois 60018 or by calling (847) 653-7978.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Participants in the Transaction</font></b></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MB Financial, Taylor Capital and certain of their respective directors and executive officers may be deemed to be participants in the solicitation of proxies from stockholders in connection with the proposed transaction under the rules&nbsp;of the SEC.&#160; Information about these participants may be found in the definitive proxy statement of MB Financial relating to its 2013 Annual Meeting of Stockholders filed with the SEC by MB Financial on April&nbsp;12, 2013 and the definitive proxy statement of Taylor Capital relating to its 2013 Annual Meeting of Stockholders filed with the SEC on April&nbsp;24, 2013.&#160; These definitive proxy statements can be obtained free of charge from the sources indicated above.&#160; Additional information regarding the interests of these participants will also be included in the joint proxy statement/prospectus regarding the proposed transaction when it becomes available.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Set forth below are investor presentation materials.</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">3<a name="PB_3_080128_5335"></a></font></p>
<div style="margin:0in 0in .0001pt;"><hr size="3" width="100%" noshade color="#010101" align="left"></div>
</div>
<!-- SEQ.=1,FOLIO='3',FILE='C:\JMS\C901484\13-20060-1\task6233784\20060-1-ba.htm',USER='C901484',CD='Aug 31 08:14 2013' -->


<br clear="all" style="page-break-before:always;">
<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei001.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">&nbsp;September 2013 NASDAQ: MBFI Investor
  Presentation </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei002.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Forward-Looking
  Statements and Additional Information 1 Forward-Looking Statements When used
  in this presentation and in reports filed with or furnished to the Securities
  and Exchange Commission, in press releases or other public stockholder
  communications, or in oral statements made with the approval of an authorized
  executive officer, the words or phrases &#147;believe,&#148; &#147;will,&#148; &#147;should,&#148; &#147;will
  likely result,&#148; &#147;are expected to,&#148; &#147;will continue&#148; &#147;is anticipated,&#148;
  &#147;estimate,&#148; &#147;project,&#148; &#147;plans,&#148; or similar expressions are intended to
  identify &#147;forward-looking statements&#148; within the meaning of the Private
  Securities Litigation Reform Act of 1995. You are cautioned not to place
  undue reliance on any forward-looking statements, which speak only as of the
  date made. These statements may relate to our future financial performance,
  strategic plans or objectives, revenues or earnings projections, or other
  financial items. By their nature, these statements are subject to numerous
  uncertainties that could cause actual results to differ materially from those
  anticipated in the statements. Important factors that could cause actual
  results to differ materially from the results anticipated or projected
  include, but are not limited to, the following: (1) expected revenues, cost
  savings, synergies and other benefits from the pending MB Financial-Taylor
  Capital merger and our other merger and acquisition activities might not be
  realized within the anticipated time frames or at all, and costs or
  difficulties relating to integration matters, including but not limited to
  customer and employee retention, might be greater than expected; (2)
  requisite stockholder and regulatory approvals for the MB Financial-Taylor
  Capital merger might not be obtained; (3) the possibility that the expected
  benefits of the FDIC-assisted and other transactions we previously completed
  will not be realized; (4) the credit risks of lending activities, including
  changes in the level and direction of loan delinquencies and write-offs and
  changes in estimates of the adequacy of the allowance for loan losses, which
  could necessitate additional provisions for loan losses, resulting both from
  loans we originate and loans we acquire from other financial institutions;
  (5) results of examinations by the Office of Comptroller of Currency, the
  Federal Reserve Board and other regulatory authorities, including the
  possibility that any such regulatory authority may, among other things,
  require us to increase our allowance for loan losses or write-down assets;
  (6) competitive pressures among depository institutions; (7) interest rate
  movements and their impact on customer behavior and net interest margin; (8)
  the impact of repricing and competitors&#146; pricing
  initiatives on loan and deposit products; (9) fluctuations in real estate
  values; (10) the ability to adapt successfully to technological changes to
  meet customers&#146; needs and developments in the market-place; (11) our ability
  to realize the residual values of our direct finance, leveraged, and
  operating leases; (12) our ability to access cost-effective funding; (13)
  changes in financial markets; (14) changes in economic conditions in general
  and in the Chicago metropolitan area in particular; (15) the costs, effects and
  outcomes of litigation; (16) new legislation or regulatory changes, including
  but not limited to the Dodd-Frank Wall Street Reform and Consumer Protection
  Act (the &#147;Dodd-Frank Act&#147;) and regulations adopted thereunder,
  changes in capital requirements pursuant to the Dodd-Frank Act and the
  implementation of the Basel III capital standards, other governmental
  initiatives affecting the financial services industry and changes in federal
  and/or state tax laws or interpretations thereof by taxing authorities; (17)
  changes in accounting principles, policies or guidelines; (18) our future
  acquisitions of other depository institutions or lines of business; and (19)
  future goodwill impairment due to changes in our business, changes in market
  conditions, or other factors. We do not undertake any obligation to update
  any forward-looking statement to reflect circumstances or events that occur
  after the date on which the forward-looking statement is made. </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei003.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Forward-Looking
  Statements and Additional Information 2 Additional Information MB Financial
  will file a registration statement on Form S-4 with the SEC in connection
  with the proposed MB Financial-Taylor Capital merger. The registration
  statement will include a joint proxy statement of MB Financial and Taylor
  Capital that also constitutes a prospectus of MB Financial, which will be
  sent to the stockholders of MB Financial and Taylor Capital. Stockholders are
  advised to read the joint proxy statement/prospectus when it becomes
  available because it will contain important information about MB Financial,
  Taylor Capital and the proposed transaction. When filed, this document and
  other documents relating to the merger filed by MB Financial and Taylor
  Capital can be obtained free of charge from the SEC&#146;s
  website at www.sec.gov. These documents also can be obtained free of charge
  by accessing MB Financial&#146;s website at
  www.mbfinancial.com under the tab &#147;Investor Relations&#148; and then under &#147;SEC
  Filings&#148; or by accessing Taylor Capital&#146;s website at
  www.taylorcapitalgroup.com under the tab &#147;SEC Filings&#148; and then under
  &#147;Documents&#148;. Alternatively, these documents, when available, can be obtained
  free of charge from MB Financial upon written request to MB Financial, Inc.,
  Secretary, 6111 North River Road, Rosemont, Illinois 60018 or by calling
  (847) 653-1992, or from Taylor Capital, upon written request to Taylor
  Capital Group, Inc., Investor Relations, 9550 West Higgins Road, Rosemont,
  Illinois 60018 or by calling (847) 653-7978. Participants in the Transaction
  MB Financial, Taylor Capital and certain of their respective directors and
  executive officers may be deemed to be participants in the solicitation of
  proxies from stockholders in connection with the proposed transaction under
  the rules of the SEC. Information about these participants may be found in
  the definitive proxy statement of MB Financial relating to its 2013 Annual
  Meeting of Stockholders filed with the SEC by MB Financial on April 12, 2013
  and the definitive proxy statement of Taylor Capital relating to its 2013
  Annual Meeting of Stockholders filed with the SEC on April 24, 2013. These
  definitive proxy statements can be obtained free of charge from the sources
  indicated above. Additional information regarding the interests of these
  participants will also be included in the joint proxy statement/prospectus
  regarding the proposed transaction when it becomes available. </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei004.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Improved return
  on average assets (&#147;ROA&#148;) and net income: Strong fee income: Non-performing
  loans and non-performing assets stable Key positives for the quarter: Net
  interest margin increased 2 bps during the quarter, and net interest income
  was stable; Total loans excluding covered loans increased approximately $50
  million during the quarter; Credit costs remain low and had OREO gains for
  the quarter; Core fee income remains strong - core fee revenues made up 35%
  of total revenues, and Expenses continue to be well controlled. Announced
  Taylor Capital Group, Inc. (&#147;Taylor Capital&#148;) acquisition. Expected to close
  in first half of 2014. Increased quarterly common dividend to $0.12 per
  share. Recent Company Highlights 3 2Q12 1Q13 2Q13 Change from 2Q12 to 2Q13
  Change from 1Q13 to 2Q13 Non-performing loans to total loans 1.98% 2.00%
  2.03% +0.05% +0.03% Non-performing assets to total assets 1.72% 1.56% 1.59%
  -0.13% +0.03% Net charge-offs (recoveries) to average loans 0.31% 0.25%
  -0.02% -0.33% -0.27% 2Q12 1Q13 2Q13 Change from 2Q12 to 2Q13 Change from 1Q13
  to 2Q13 (dollars in thousands) Total core non-interest income 29,539 $&nbsp;38,221
  $&nbsp;38,904 $&nbsp;+31.70% +1.79% Core non-interest income to total revenues 27% 35%
  35% +7.52% +0.45% 0.94% 1.07% 1.09% +0.15% +0.02% 11.28% 12.53% 12.31% +1.03%
  -0.22% $22,143 $24,906 $25,293 +14.23% +1.55%</font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei005.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Company
  Strategy Build a bank with lower risk and consistently better returns than peers
  over the long term Develop balance sheet with superior profitability and
  lower risk Add great customers in our four business lines, whether they
  borrow or not Maintain low credit risk and low credit costs Attract low cost
  and stable funding Maintain strong liquidity and capital Focus intensely on
  fee income Fees need to be high quality, recurring, and profitable Not an
  easy task; requires meaningful investment Emphasize leasing, capital markets,
  international banking, cards, commercial deposit fees, treasury management,
  and trust and asset management Grow select fee businesses nationally
  (leasing, cards and treasury management) Invest in human talent Recruit and
  retain the best staff &#150; very low turnover rate of &#147;A&#148; employees Maintain
  strong training programs &#150; large commercial banker training program Be the
  employer of choice; Awards received &#150; ranked in the top 10 among the large
  employer category in the Chicago Tribune's Top 100 Workplaces survey two
  years in a row, and ranked among best places to work in National Top
  Workplace Survey Make opportunistic acquisitions Skilled and disciplined
  acquirer Long track record of successful integrations 4 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei006.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Lines of
  Business 5 Retail Banking Provides the majority of funding for commercial
  lending business; provides 58% of deposits and 16% of loans High percentage
  of core funding Low reliance on CDs Focuses on business banking customers and
  individuals that live or work near our branches Key fee initiatives include
  card services and treasury management services for business banking customers
  Wealth Management Provides customized private banking, trust, investment
  management, brokerage, and retirement plan services through a team of
  experienced advisors Specializes in serving business owners, high-net worth
  families, foundations, and endowments Focused on asset management, low-cost
  deposits, and private banking services Manages more than $2.9 billion of
  client assets through trust department and asset management subsidiary (Cedar
  Hill Associates, LLC) Commercial Banking Lending and depository services to
  middle-market companies with revenues ranging from $10 to $250mm
  &#147;Relationship banking&#148; culture; calling officers have 20+ years average
  experience Commercial and industrial and commercial real estate loan portfolio
  &#150; terms generally range from 1 to 5 years; 98% with total relationship credit
  exposure of $25 million or less; approximately 57% have a floating rate of
  interest (69% indexed to LIBOR and 31% indexed to Prime) Key fee initiatives
  include treasury management, capital markets, international banking and
  cross-selling wealth management products Note: Business line financial data
  as of June 30, 2013 Leasing Lease banking &#150; provides banking services to lessors located throughout the U.S.; lease and working
  capital loans and lease equity investments Lease loans totaled $1.4 billion
  at 6/30/13 Lease loans are underwritten primarily on the creditworthiness of
  the lessee Lessees include mostly investment grade &#147;Fortune 1000&#148; companies
  located throughout the U.S. and large middle-market companies Lease
  originations and related services &#150; through our lease subsidiaries, LaSalle
  Systems Leasing, Inc. and Celtic Leasing Corp. Lease technology-related and
  material handling equipment to &#147;Fortune 1000&#148;, large middle-market companies,
  and healthcare providers located throughout the U.S. Specialize in selling
  third party equipment maintenance contracts to large companies </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei007.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Great Branch
  Footprint for Serving Business Customers 6 Chicago MSA &#150; 84 branches
  Regularly optimize branch network (closed 1 branch in 2013, 3 branches in
  2012 and 2 branches in 2011) Branches predominantly located in Cook and DuPage counties in the Chicago MSA where approximately
  80% of middle-market companies are located Source: SNL Financial (11/2012) </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei008.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Composition of
  the Loan Portfolio &#150; Favorable Mix Changes Improved loan mix over the last
  twelve months while total loan balances, excluding covered loans, increased
  4% from June 30, 2012. C&amp;I and lease loans increased as a percent of
  total portfolio from 40% to 46% from June 30, 2012 to June 30, 2013.
  Decreased emphasis on construction and commercial real estate loans; these
  categories went from 34% to 33% of the total portfolio. As expected, covered
  loans declined from a year ago. 7 (Dollars in millions) Balance Percent of
  Total Q2 Yield Balance Percent of Total Q2 Yield Change in Balance Commercial
  loans 1,079 $&nbsp;19% 4.77% 1,199 $&nbsp;21% 4.18% 11% Commercial loans collateralized
  by assignment of lease payments 1,221 21% 4.54% 1,423 25% 3.87% 17% Commercial
  real estate 1,795 31% 5.11% 1,711 30% 4.54% -5% Construction real estate 151
  3% 3.98% 121 3% 3.76% -20% Residential real estate 313 5% 4.57% 306 5% 3.96%
  -2% Other consumer loans 611 11% 4.84% 599 11% 4.68% -2% Gross loans,
  excluding covered loans 5,170 90% 4.87% 5,359 95% 4.28% 4% Covered loans 553
  10% 5.67% 309 5% 5.09% -44% Total loans 5,723 $&nbsp;100% 4.95% 5,668 $&nbsp;100% 4.33%
  -1% June 30, 2012 June 30, 2013 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei009.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">NPL Composition
  June 30, 2013 Asset Quality Statistics &#150; Improvement Continues 8 Payment Status
  of NPLs Ratio 12/31/2009 12/31/2010 12/31/2011
  12/31/2012 6/30/2012 6/30/2013 ALLL to total loans 2.71% 2.90% 2.13% 2.15%
  2.13% 2.18% NPLs to total loans 4.16% 5.48% 2.17%
  2.03% 1.98% 2.03% ALLL to non-performing loans 65.26% 53.03% 98.00% 106.17%
  107.25% 107.32% Net charge-offs (recoveries) to average loans 3.09% 3.42%
  2.90% (0.02%) 0.36% 0.12% At or For the Year Ended At or For the Six Months
  Ended </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei010.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Investment
  Securities Portfolio 9 Note: Includes available for sale and held to maturity
  securities as well as non-marketable securities (FRB and FHLB stock). Tax US Gov't Equivalent Balance maturing in (1) Agency MBS
  Municipals Corporate Equity (2) Total Yield Year 1 - $&nbsp;241 $&nbsp;43 $&nbsp;- $&nbsp;- $&nbsp;284
  $&nbsp;1.42% Year 2 - 158 42 5 - 205 2.04% Year 3 - 111 64 8 - 184 3.16% Year 4 30
  160 105 34 - 329 3.72% Year 5 121 73 134 - 329 3.47% Year 6 - 59 81 16 - 156
  4.03% Year 7 - 20 57 - - 77 4.33% Year 8 - 11 177 - - 187 5.14% Year 9 - 8
  179 - - 187 5.13% Year 10 - 4 53 - - 57 3.82% Over 10 Years - 10 8 5 61 85
  4.01% Total Par 30 $&nbsp;902 $&nbsp;882 $&nbsp;202 $&nbsp;61 $&nbsp;2,078 $&nbsp;3.46% Estimated Fair
  Value 34 $&nbsp;970 $&nbsp;971 $&nbsp;215 $&nbsp;61 $&nbsp;2,251 $&nbsp;Appreciation 2 $&nbsp;25 $&nbsp;18 $&nbsp;(4) $&nbsp;0
  $&nbsp;41 $&nbsp;Duration (Years) 2.9 2.5 4.5 3.5 3.4 Tax Equivalent Yield 2.71% 1.83%
  5.29% 2.75% 3.97% 3.46% (1) Includes maturities and estimated paydowns in the case of MBS. (2) Primarily consists of
  FHLB and FRB stock. Maturity/Paydown Analysis June
  30, 2013 (Dollars in millions) </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei011.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Liquidity
  Ratios &#150; Robust Liquidity (A) Total deposits (excluding brokered deposits)
  and customer repurchase agreements/Total deposits, customer repurchase
  agreements and other borrowings. 10 Strong liquidity Not reliant on non-core
  funding High lending capacity </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei012.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Low Cost
  Deposit Base &#150; Improved Mix Deposit mix improved significantly over the last
  several years. Not reliant on wholesale funding. 11 Percent Percent  Percent  Percent  Percent Amount of Total
  Amount of Total Amount of Total Amount of Total Amount of Total Noninterest
  bearing deposits 1,552 $&nbsp;18% 1,692 $&nbsp;21% 1,886 $&nbsp;25% 2,165 $&nbsp;29% 2,230 $&nbsp;30%
  Money market and NOW accounts 2,776 32% 2,776 34% 2,645 34% 2,747 36% 2,719
  37% Savings accounts 584 7% 698 8% 754 10% 811 11% 846 11% 4,912 57% 5,166
  63% 5,285 69% 5,723 76% 5,795 78% Certificates of deposit 3,243 37% 2,519 31%
  1,926 25% 1,525 20% 1,358 18% Brokered deposit accounts 528 6% 468 6% 437 6%
  294 4% 292 4% 3,771 43% 2,987 37% 2,363 31% 1,819 24% 1,650 22% 8,683 $&nbsp;100%
  8,153 $&nbsp;100% 7,648 $&nbsp;100% 7,542 $&nbsp;100% 7,445 $&nbsp;100% Customer repurchase
  agreements 224 $&nbsp;28% 265 $&nbsp;37% 216 $&nbsp;34% 208 $&nbsp;43% 231 $&nbsp;52% Wholesale
  borrowings 381 46% 239 34% 220 34% 79 16% 63 14% Subordinated debt and junior
  subordinated notes issued to capital trusts 209 26% 209 29% 209 32% 202 41%
  152 34% 814 $&nbsp;100% 713 $&nbsp;100% 645 $&nbsp;100% 489 $&nbsp;100% 446 $&nbsp;100% Total borrowings
  Total deposits Low cost deposits: Total low cost deposits Certificates of
  deposit: Total certificates of deposit Borrowings: 12/31/2010 12/31/2011
  12/31/2012 (Dollars in millions) 6/30/2013 12/31/2009 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei013.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Capital
  Composition 6/30/2013 12 Simple capital structure. Dominated by common
  equity. </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei014.jpg"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Summary Income
  Statement &#150; Profitability has &#147;Normalized&#148; 13 (1) Year to date annualized
  2009 2010 2011 2012 2012 2013 Interest income 394 $&nbsp;430 $&nbsp;385 $&nbsp;335 $&nbsp;175 $&nbsp;149 $&nbsp;Interest expense 143 90 59 43 24 14 Net
  interest income 251 340 325 293 151 135 Provision for credit losses 232 246
  121 (9) 3 1 Net interest income after provision for credit losses 19 94 205
  302 148 135 Non-interest income 127 186 109 112 47 79 Non-interest expenses
  224 259 270 286 134 143 Income (loss) before income taxes (78) 21 44 127 61
  71 Applicable income tax expense (benefit) (45) 0 5 37 17 20 Income (loss)
  from continuing operations (33) 21 39 90 43 50 Income from discontinued
  operations, net of income tax 7 - - - - - Net income (loss) (26) 21 39 90 43
  50 Dividends and discount accretion on preferred shares 10 10  10 3 3
  - Net income (loss) available to common stockholders (36) $&nbsp;10 $&nbsp;28 $&nbsp;87 $&nbsp;40
  $&nbsp;50 $&nbsp;For the Year Ended December 31, For the Six Months Ended June 30, (In
  millions) </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei015.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Performance
  Ratios &#150; Reflects Improving Operations 14 (1) Year to date annualized (2) Quarter
  to date annualized </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei016.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Key Fee
  Initiatives &#150; Becoming More Meaningful 15 Capital markets fees Team built in
  first quarter of 2012 Includes fees for the following services: derivatives
  and interest rate risk solutions, capital solutions, merger and acquisition
  advisory and real estate debt placement International banking fees Team built
  two years ago Includes fees for the following services: trade services (letters
  of credit), export trade finance, and foreign exchange Commercial deposit and
  treasury management fees Includes fees for the following services: account
  management, payments systems access, information management, and fraud and
  risk mitigation Expanding nationally where we have expertise Lease financing
  Includes fees related to equipment leases as well as selling third party
  equipment maintenance contracts Trust and asset management fees Wealth
  management solutions for individuals, corporations and not-for-profits
  Includes fees for the following services: investment management, custody,
  personal trust, financial planning, and wealth advisory services for high net
  worth individuals Card fees Expanded into prepaid and credit cards in 2012
  Includes fees for debit, credit, prepaid, incentive and gift cards 2009 2010
  2011 2012 2012 2013 Key fee initiatives: Capital
  markets and international banking fees 502 $&nbsp;344 $&nbsp;1,870 $&nbsp;$&nbsp;5,086 $&nbsp;$&nbsp;1,300
  $&nbsp;1,747 $&nbsp;Commercial deposit and treasury management fees 16,545 21,806
  23,559 23,636 11,682 11,995 Lease financing, net 18,528 21,853 26,939 36,382
  14,292 31,365 Trust and asset management fees 12,593 15,037 17,324 17,990
  8,939 9,368 Card fees 4,558 7,057 7,032 9,368 4,473 5,430 Total key fee
  initiatives 52,726 $&nbsp;66,097 $&nbsp;76,724 $&nbsp;92,462 $&nbsp;40,686 $&nbsp;59,905 $&nbsp;(In
  Thousands) Year Ended December 31, June 30, Six Months Ended </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei017.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Market Leading
  Operating Performance 16 Source: Company filings, SNL Financial Note: Chicago
  peers consist of public banks headquartered in Chicago MSA with assets
  between $2.0bn and $16.6bn at June 30, 2013 and include: First Midwest, Old
  Second, PrivateBancorp, Taylor Capital, Wintrust Net non-interest expense / average assets (%)
  Core non-interest income / revenues - FTE (%) Asset yields - FTE (%) Pre-tax,
  pre-provision operating earnings - FTE / risk-weighted assets (%) Cost of
  funds (%) MBFI Chicago Peers Median Net interest margin - FTE (%) 16 (1) Year
  to date annualized 25 25 27 29 35 25 23 24 29 33
  2009 2010 2011 2012 2Q13 4.59 4.82 4.59 4.24 3.95 4.82 4.54 4.23 3.92 5.00
  2009 2010 2011 2012 2Q13 (1) 1.67 0.70 0.52 0.36 1.73 1.13 0.90 0.66 0.56
  0.99 2009 2010 2011 2012 2Q13 (1) 2.97 3.90 3.73 3.60 3.83 3.32 3.46 3.52
  3.51 3.04 2009 2010 2011 2012 2Q13 (1) </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei018.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Stronger
  Capital Than Local Peers 17 Source: Company filings, SNL Financial Note:
  Chicago peers consist of median data for public banks headquartered in
  Chicago MSA with assets between $2.0bn and $16.6bn at June 30, 2013 and
  include: First Midwest, Old Second, PrivateBancorp,
  Taylor Capital, Wintrust.
  TCE / TA (%) Tier I Capital Ratio (%) Total Risk-Based Capital Ratio (%) TCE
  / RWA (%) MBFI Chicago Peers Median 6.2 7.5 8.4 9.1 9.6 5.5 7.3 7.6 7.6 7.9 2009 2010 2011 2012 2Q13 8.8 10.9 12.5 13.1 13.2
  6.5 8.8 9.0 8.9 9.0 2009 2010 2011 2012 2Q13 15.5 17.8 19.4 16.6 16.5 13.6
  14.0 14.0 13.4 14.2 2009 2010 2011 2012 2Q13 13.5
  15.8 17.3 14.7 15.2 11.4 12.3 11.7 11.2 11.5 2009 2010 2011 2012 2Q13 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei019.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">18 Source:
  Company filings, SNL Financial Note: Chicago peers consist of median data for
  public banks headquartered in Chicago MSA with assets between $2.0bn and
  $16.6bn at June 30, 2013 and include: First Midwest, Old Second, PrivateBancorp, Taylor Capital, Wintrust. NPAs / Assets
  (%) Reserves/Loans (%) Reserves / NPLs (%) Credit
  Metrics Similar to Local Peers Reserves / Loans (%) NPLs
  / Loans (%) MBFI Chicago Peers Median 2.84 4.21 2.12 1.62 1.59 3.72 3.93 2.93
  1.59 1.55 2009 2010 2011 2012 2Q13 65 53 98 106 107 62 63 82 106 104 2009
  2010 2011 2012 2Q13 2.71 2.90 2.13 2.15 2.18 2.71 2.75 2.18 2.00 1.95 2009
  2010 2011 2012 2Q13 4.16 5.48 2.17 2.03 2.03 4.41
  4.55 3.05 1.80 1.87 2009 2010 2011 2012 2Q13 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei020.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Valuable
  Position in the Chicago MSA Rank Institution Branches Total deposits in
  market ($mm) Total market share (%) 1 JPMorgan Chase 441 70,527 22.5 2 BMO
  Financial Group 228 36,303 11.6 3 Bank of America 172 22,992 7.3 4 Northern
  Trust 11 22,185 7.1 5 Wintrust Financial 116 13,513
  4.2 6 PNC Financial Services 152 11,714 3.7 7 Fifth Third 180 11,000 3.5 8 MB
  Financial, Post Taylor1 95 11,138 3.4 8 Citigroup 74 10,542 3.4 9 PrivateBancorp 20 9,176 2.9 10 MB Financial1 84 7,445 2.4
  11 US Bancorp 89 6,254 2.0 12 First Midwest 83 6,070 1.9 13 Royal Bank of
  Scotland 105 5,459 1.7 14 Wells Fargo 9 4,600 1.5 15 TCF Financial 199 3,938
  1.3 All other institutions 1,199 72,035 23.0 MSA Total 3,162 313,753 100.0
  Rank Institution Branches Total deposits in market ($mm) Total market share
  (%) 1 JPMorgan Chase 326 38,407 16.0 2 ABN Amro
  (LaSalle Bank) 140 30,957 12.9 3 Harris (Bank of Montreal) 192 23,237 9.7 4 Northern
  Trust 18 8,461 3.5 5 Fifth Third 123 8,052 3.4 6 Royal Bank of Scotland 136
  6,446 2.7 7 Wintrust Financial 55 6,019 2.5 8 Corus
  Bankshares 14 5,500 2.3 9 Citigroup 51 5,441 2.3 10
  MAF Bancorp 49 4,904 2.0 11 National City 59 4,528 1.9 12 First Midwest 56
  4,488 1.9 13 Bank of America 31 4,159 1.7 14 MB Financial 39 3,770 1.6 15
  FBOP Corp 25 2,824 1.2 All other institutions 1,686 82,474 34.4 MSA Total
  3,000 239,667 100.0 Current Chicago MSA Rankings 2005 Chicago MSA Rankings
  Source: SNL Financial Note: Data as of June 30, 2012 reflects announced
  acquisitions post June 30, 2012 1 Deposits as of 6/30/2013 19 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei021.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Market Share of
  Top Banks in 10 Largest U.S. MSAs 20 Market share
  of top 10 banks in 10 largest U.S. MSAs Market
  share of top 3 banks in 10 largest U.S. MSAs
  Source: SNL Financial as 6/30/2012 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei022.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">21 Skilled
  Acquirer Skilled acquirer of both depository and non-depository entities
  Sixteen acquisitions since 2000 Disciplined financial analyses focused on:
  Internal rates of return Returns on invested capital Long-term per share
  earnings accretion Long track record of successful and rapid employee,
  customer and systems integrations Ability to manage multiple integrations
  simultaneously Branch network size and location makes acquired branch consolidations
  more likely to result in enhanced expense savings opportunities Company
  culture suited for acquisitions </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei023.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">22 2001 2002
  2004 2006 2008 2004 First SecurityFed Financial
  (Chicago, IL) January 9, 2004 2002 South Holland Bancorp (South Holland, IL) November
  1, 2002 LaSalle Systems Leasing, Inc. July 22, 2002 2006 First Oak Brook
  Bancshares (Oak Brook, IL) May 1, 2006 2009 Heritage Community Bank
  (Glenwood, IL) February 27, 2009 InBank (Oak Forest
  IL) September 4, 2009 Corus Bank (Chicago, IL) September 11, 2009 Benchmark
  Bank (Aurora, IL) December 4, 2009 Source: Company filings Note: Transaction
  dates indicate announcement date 2008 Cedar Hill Associates, LLC (Chicago,
  IL) April 18, 2008 Track Record of Being a Disciplined Acquirer and
  Experienced Integrator 2009 2010 2010 Broadway Bank
  (Chicago, IL) April 23, 2010 New Century Bank (Chicago, IL) April 23, 2010
  2001 FSL Holdings, Inc. (South Holland, IL) February 8, 2001 MidCity Financial (Chicago, IL) April 19, 2001 First
  Lincolnwood (Lincolnwood, IL) December 27, 2001 2012 2012
  Celtic Leasing Corp. (Irvine, CA) December 28, 2012 2003 2005 2007 2011 2013
  2014 Taylor Capital Group, Inc. (Rosemont, IL) Expected to close in first
  half of 2014 2014  </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei024.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Taylor Capital
  Acquisition &#150; Combination of complementary commercial banks with similar
  business models Strategically attractive combination Financially compelling,
  high-return, low-risk opportunity Two leading Chicago commercial banks
  merging to better serve the metropolitan community: $14.9bn assets, $9.0bn
  gross loans, and $11.1bn deposits Complementary commercial customer bases
  with shared lending philosophies Nearly doubles middle-market commercial
  banking market share Attractive national businesses Increased presence in
  attractive Cook county (top 5 pro forma) Combined management team with strong
  Chicago roots Allows MB Financial to deploy excess capital in an attractive
  manner: 15%+ EPS accretion with fully phased-in synergies, 3.5 years tangible
  book value per share earnback, and 15%+ IRR
  Maintain strong capital position with 8%+ tangible common equity ratio
  Compelling returns with pro-forma profitability significantly above peer
  median Achievable cost savings estimated at 30% of Taylor&#146;s core operating
  expenses, excluding the mortgage business line Management team with
  significant merger integration experience Mortgage business provides a
  potential additional fee revenue source for MB Financial 23 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center" style="font-family:Times New Roman;">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei025.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Combination
  with Taylor Capital meets previously stated strategic priorities </font><font size="1" color="white" style="color:white;font-size:1.0pt;">&nbsp;Build a bank with lower risk and
  consistently better returns than peers over the long-term Develop balance
  sheet with superior profitability and lower risk Focus intensely on fee
  income Invest in human talent Make opportunistic acquisitions Meaningfully
  improves ROA and ROATCE Deploys excess capital and improves strategic
  flexibility Further diversifies revenue stream and asset generation
  capabilities Effectively utilizes balance sheet liquidity to fund commercial
  loan growth Diversifies loan portfolio into new asset classes Provides
  opportunities to cross-sell fee income products Mortgage business provides
  another source of fee income </font><font size="1" color="white" style="color:white;font-size:1.0pt;">Adds depth and
  additional capabilities to commercial banking Brings expertise in other
  areas, including asset-based lending Transaction solidifies MB Financial&#146;s market position in Chicago Significantly
  increases scarcity value &#150; largest independent bank in Chicago MSA by market
  capitalization 24 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei026.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">&nbsp;Leasing Appendix 25 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei027.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Components of
  our Leasing Business Lease Banking Our lease banking group provides banking
  services to equipment lessors located throughout
  the U.S. Debt financing Working capital financing Partners with customers on
  equity/residual investments in leases Treasury management services Debt
  financing (Lease Loans) are non-recourse loans to lessors,
  collateralized by leased equipment and underwritten based on the financial
  wherewithal of each lessee. Lessees generally consist of investment grade
  Fortune 1000, large middle-market, and health care companies located
  throughout the U.S. No residual risk on Lease Loans funded with third
  parties. Most loans fully amortize over periods ranging from 30 to 60 months.
  Credit experience has been stellar. Non-performing loans and charge-offs have
  been minimal for more than 10 years. Lease Loans outstanding totaled $1.4
  billion at 6/30/2013. Revenues from Lease Loans and working capital financing
  are reflected in interest income. 26 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei028.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Components of
  our Leasing Business (Continued) Lease Originations Leases are originated
  directly through our LaSalle and Celtic subsidiaries ($75 to $100 million per
  year per company). Leased equipment generally consists of technology-related
  and material handling equipment. Direct Finance and Leverage Leases are
  grouped with Lease Loans on the balance sheet. Operating Leases are reflected
  in the Other Assets section of the balance sheet under the heading Lease
  Investments, Net. Lessors generally finance much of
  their equipment cost with debt (85% to 95% of original equipment cost). The
  amount of debt available is based on the present value of future lease
  payments discounted at prevailing market interest rates. The portion of the
  equipment cost not funded with debt represents the equity or residual
  investment in the lease. Our residual investments in equipment leases totaled
  $74 million at 6/30/2013. Residual income is accreted over the life of the
  lease so that at the end of the lease term the accreted residual amount
  approximates the fair value of the leased equipment. 27 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei029.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Lease
  Originations (continued) Interest income on Direct Finance and Leverage
  Leases and accreted residual income on Direct Finance and Leverage Leases are
  included in Interest Income. Lease payments on Operating Leases plus residual
  income that is accreted on Operating Leases less depreciation on equipment
  underlying Operating Leases are included in Lease Financing Fee Income. At
  the end of a lease term the lease may be renewed, extended on a
  month-to-month basis, or the equipment may be returned and sold. Proceeds
  received as a result of lease renewals and equipment sales less the residual
  investment in a lease results in a gain or loss that is reflected in Lease
  Financing Fee Income. Other leasing related services included in Lease
  Financing Fee Income We broker maintenance contracts sold by equipment
  manufacturers to our customers covering equipment leased from MB as well as
  other equipment owned or leased by our clients. Equipment manufacturers are
  responsible for completing any maintenance covered by a maintenance contract.
  Maintenance contract revenue is presented net of the related cost of sales
  paid to the third party provider. Components of our Leasing Business
  (Continued) 28 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei030.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Interest income
  includes: Interest income on Lease Loans Interest income on Direct Finance
  Leases Interest income on Leverage Leases, less related funding cost Residual
  accretion on Direct Finance and Leverage Leases Lease financing fee income
  includes: Rental payments on Operating Leases Depreciation expense on
  Operating Leases Residual accretion on Operating Leases Gains or losses on
  residuals Interim rent Equipment maintenance contract revenue, less related
  cost of sales Vendor promotional revenue related to equipment maintenance
  contracts Income Statement Geography 29 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei031.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">&nbsp;Non-GAAP Disclosure Appendix 30 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei032.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations This presentation contains certain financial
  information determined by methods other than in accordance with accounting
  principles generally accepted in the United States of America (GAAP). These
  measures include net interest margin on a fully tax equivalent basis; core
  non-interest income; ratio of core non-interest income to total revenue on a
  fully tax equivalent basis, ratio of net non-interest expense to average
  assets and ratio of pre-tax, pre-provision operating earnings on a fully tax
  equivalent basis to risk-weighted assets, with net gains and losses on
  investment securities, net gains on sale of other assets, net gain on sale of
  loans held for sale, net gains and losses on other real estate owned, acquisition
  related gains and increase (decrease) in market value of assets held in trust
  for deferred compensation excluded from the calculations of the non-interest
  income, core non-interest income and pre-tax, pre-provision operating
  earnings components of these ratios, and the FDIC special assessment expense,
  impairment charges, prepayment fees on interest-bearing liabilities and
  increase (decrease) in market value of assets held in trust for deferred
  compensation excluded from the non-interest expense components of the ratios
  of net non-interest expense to average assets and pretax, pre-provision
  operating earnings, on a fully tax equivalent basis to risk-weighted assets
  with tax equivalent adjustments for tax-exempt interest income and increase
  in cash surrender value of life insurance, as applicable; ratios of tangible
  common equity to risk weighted assets and tangible common equity to tangible
  assets; core funding to total funding; and cash return on average tangible
  common equity (net cash flow available to common stockholders divided by
  average tangible common equity). Our management uses these non-GAAP measures,
  together with the related GAAP measures, in its analysis of our performance
  and in making business decisions. Management also uses these measures for
  peer comparisons. The tax equivalent adjustments to net interest margin,
  pre-tax, pre-provision operating earnings, non-interest income and total
  revenue recognizes the income tax savings when comparing taxable and
  tax-exempt assets and assumes a 35% tax rate. Management believes that others
  within the banking industry present these measures on a fully tax equivalent
  basis, and accordingly believes that providing these measures may be useful
  for peer comparison purposes. For the same reasons, management believes the
  tax equivalent adjustments for tax-exempt interest income and increase in
  cash surrender value of life insurance are useful. Management believes that
  pre-tax, pre-provision operating earnings are a useful measure in assessing
  our operating performance, particularly during times of economic stress. In
  recent periods, our results of operations have been negatively impacted by
  adverse economic conditions, as seen in our elevated levels of loan
  charge-offs and provision for credit losses. Management believes that
  measuring earnings before the impact of the provision for credit losses makes
  our financial data more comparable between reporting periods so that
  investors can better understand our operating performance trends. Management
  also believes that this is a standard figure used in the banking industry to
  measure performance. Management believes that core and non-core non-interest
  income and expense are useful in assessing our operating performance and in
  understanding the primary drivers of our non-interest income and expense when
  comparing periods. Management, likewise, believes that presenting the ratio
  of core funding to total funding is useful in understanding our funding
  sources when comparing periods. 31 </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei033.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations (Continued) Management also believes that by
  excluding net gains on investment securities, net gains and losses on sale of
  other assets, net gain on sale of loans held for sale, net gains and losses
  on other real estate owned, acquisition related gains and increase (decrease)
  in market value of assets held in trust for deferred compensation from the
  other (non-interest) income components and excluding the FDIC special
  assessment expense, impairment charges, prepayment fees on interest-bearing
  liabilities and increase (decrease) in market value of assets held in trust
  for deferred compensation from the other (non-interest) expense components of
  the ratios of net non-interest expense to average assets and pre-tax,
  pre-provision operating earnings on a fully tax equivalent basis to
  risk-weighted assets and, in the case of the income-related items, the ratio
  of core non-interest income to total revenue on a fully tax equivalent basis,
  this information better reflects our operating performance, as the excluded
  items do not pertain to our core business operations and their exclusion
  makes this information more meaningful when comparing our operating results
  from period to period. The ratios of tangible common equity to tangible
  assets and tangible common equity to risk-weighted assets exclude goodwill
  and other intangible assets, net of tax benefits, in determining tangible
  assets and tangible common equity. Management believes that the presentation
  of these measures excluding the impact of such items provides useful
  supplemental information that is helpful in understanding our financial
  results, as they provide a method to assess management&#146;s success in utilizing
  our tangible capital as well as our capital strength. Management also
  believes that providing measures that exclude balances of goodwill and other
  intangible assets, which are subjective components of valuation, facilitates
  the comparison of our performance with the performance of our peers. In
  addition, management believes that these are standard financial measures used
  in the banking industry to evaluate performance. The non-GAAP disclosures
  contained herein should not be viewed as substitutes for the results
  determined to be in accordance with GAAP, nor are they necessarily comparable
  to non-GAAP performance measures that may be presented by other companies.
  The following table reconciles net interest margin on a fully tax equivalent
  basis to net interest margin for the periods presented: 32 Three Months Six
  Months Net interest margin Ended Ended June 30,
  June 30, 2009 2010 2011 2012 2013 (1) 2013 (1) Net interest margin 2.85%
  3.72% 3.75% 3.49% 3.33% 3.33% Plus: tax equivalent effect 0.12% 0.11% 0.15%
  0.24% 0.28% 0.27% Net interest margin, fully tax equivalent 2.97% 3.83% 3.90%
  3.73% 3.61% 3.60% (1) Annualized </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei034.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations (Continued) The following table presents a
  reconciliation of tangible common equity to common stockholders&#146; equity (in
  thousands): 33 The following table presents a reconciliation of average
  tangible common equity to average common stockholders&#146; equity (in thousands):
  The following table presents a reconciliation of net cash flow available to
  common stockholders to net income available to common stockholders (in
  thousands): $&nbsp;855,532 $&nbsp;833,218 $&nbsp;792,068 $&nbsp;740,760 $&nbsp;646,079 Tangible common
  equity 17,180 19,183 19,171 22,853 24,510 Less: other intangible, net of tax
  benefit 423,369 423,369 387,069 387,069
  387,069 Less: goodwill $&nbsp;1,296,081 $&nbsp;1,275,770 $&nbsp;1,198,308 $&nbsp;1,150,682 $&nbsp;1,057,658 Common stockholders' equity - as reported
  2013 2012 2011 2010 2009 June 30, December 31, $&nbsp;52,203 $&nbsp;26,293 $&nbsp;25,910 $&nbsp;22,956 $&nbsp;90,362 $&nbsp;31,996 $&nbsp;14,185 $&nbsp;(33,505) Net cash flow available to
  common stockholders 2,004 1,000 1,004 813 3,257 3,682 4,039 2,919 net of tax
  Add: other intangible amortization expense, $&nbsp;50,199 $&nbsp;25,293 $&nbsp;24,906 $&nbsp;22,143 $&nbsp;87,105 $&nbsp;28,314 $&nbsp;10,146 $&nbsp;(36,424) - as reported Net income
  available to common stockholders 2013 2013  2013 2012 2012 2011 2010 2009
  June 30, June 30, March 31, June 30, Ended Three Months Ended Six Months $&nbsp;847,712 $&nbsp;856,390 $&nbsp;838,941 $&nbsp;818,695 $&nbsp;831,147 $&nbsp;756,382 $&nbsp;724,966 $&nbsp;526,469
  Average tangible common equity 18,106 17,605 18,611 17,903 17,465 20,865
  23,154 18,971 Less: other intangible, net of tax benefit 423,369 423,369  423,369 387,069 387,168
  387,069 387,069  387,069
  Less: goodwill $&nbsp;1,289,187 $&nbsp;1,297,364 $&nbsp;1,280,921 $&nbsp;1,223,667 $1,235,780
  $1,164,316 $1,135,189 $&nbsp;932,509 - as reported Average common stockholders'
  equity 2013 2013  2013
  2012 2012 2011 2010 2009 June 30, June 30, March
  31, June 30, Ended Three Months Ended Six Months </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei035.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations (Continued) The following table presents a
  reconciliation of tangible assets to total assets (in thousands): 34 $&nbsp;8,929,110 $&nbsp;9,129,253 $&nbsp;9,426,832 $&nbsp;9,910,442 $&nbsp;10,453,814 Tangible assets
  17,180 19,183 19,171 22,853 24,510 Less: other intangible, net of tax benefit
  423,369 423,369 387,069 387,069
  387,069 Less: goodwill $&nbsp;9,369,659 $&nbsp;9,571,805 $&nbsp;9,833,072 $&nbsp;10,320,364 $&nbsp;10,865,393 Total assets - as reported 2013 2012 2011
  2010 2009 June 30, December 31, </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei036.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations (Continued) 35 Net Non-interest Expense to Average
  Assets Calculation (in thousands) Six Months Ended June 30, 2009 2010 2011
  2012 2013 Non-interest expense 223,750 $&nbsp;258,776 $&nbsp;269,633 $&nbsp;286,436 $&nbsp;143,367 $&nbsp;Adjustment for FDIC special assessment 3,850 - - - - Adjustment for
  prepayment fees on interest bearing liabilities - - - 12,682 - Adjustment for
  impairment charges 4,000 - 1,594 2,190 - Adjustment for increase (decrease) in
  market value of assets held in trust for deferred compensation 710 562 (40)
  811 504 Non-interest expense - as adjusted 215,190 258,214 268,079 270,753
  142,863 Non-interest income 127,154 185,756 109,106 111,599 79,327 Less net
  gains on investment securities 14,029 18,648 640 555 13 Less net (losses)
  gains on sale of other assets (13) 630 283 (942) - Less net gain on sale of
  loans held for sale - - 1,790 - - Less net (losses) gains on other real
  estate owned (429) (9,284) (13,613) (17,594) 1,685 Less acquisition related
  gains 28,547 62,649 - - - Less increase (decrease) in market value of assets
  held in trust for deferred compensation 710 562 (40) 811 504 Non-interest
  income - as adjusted 84,310 112,551 120,046 128,769 77,125 Less tax
  equivalent adjustment on the increase in cash surrender value of life
  insurance 1,324 1,893 2,357 1,922 908 Net non-interest expense 129,556 $&nbsp;143,770 $&nbsp;145,676 $&nbsp;140,062 $&nbsp;64,830 $&nbsp;Average assets 9,777,288 $&nbsp;10,506,028
  $&nbsp;9,956,133 $&nbsp;9,547,985 $&nbsp;9,369,042 $&nbsp;Net non-interest expense to average
  assets 1.33% 1.37% 1.46% 1.47% 1.40% </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei037.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations (Continued) 36 Pre-Tax, Pre-Provision Operating
  Earnings (in thousands) Six Months Ended June 30, 2009 2010 2011 2012 2013
  (Loss) income before income taxes (77,844) $&nbsp;20,552 $&nbsp;43,996 $&nbsp;126,851 $&nbsp;70,625 $&nbsp;Provision for credit losses 231,800 246,200 120,750 (8,900) 500
  Pre-tax, pre-provision earnings 153,956 266,752 164,746 117,951 71,125 Tax
  equivalent adjustment on tax-exempt interest income 10,625 10,458 13,188 20,429
  11,149 1,324 1,893 2,357 1,922 908 Pre-tax, pre-provision earnings on a fully
  tax equivalent basis 165,905 279,103 180,291 140,302 83,182 Non-core
  non-interest income Net (losses) gains on other real estate owned (429)
  (9,284) (13,613) (17,594) 1,685 Net gains on investment securities 14,029
  18,648 640 555 13 Net (loss) gain on sale of other assets (13) 630 283 (942)
  - Net gain on sale of loans held for sale - - 1,790 - - Acquisition related
  gains 28,547 62,649 - - - Increase (decrease) in market value of assets held
  in trust for deferred compensation 710 562 (40) 811 504 Total non-core
  non-interest income 42,844 73,205 (10,940) (17,170) 2,202 Non-core
  non-interest expense FDIC special assessment 3,850 - - - - Prepayment fees on
  interest bearing liabilities - - - 12,682 - Impairment charges 4,000 - 1,594
  2,190 - Increase (decrease) in market value of assets held in trust for
  deferred compensation 710 562 (40) 811 504 Total non-core non-interest
  expense 8,560 562 1,554 15,683 504 Pre-tax, pre-provision operating earnings
  131,621 $&nbsp;206,460 $&nbsp;192,785 $&nbsp;173,155 $&nbsp;81,484 $&nbsp;Risk-weighted assets
  7,315,255 $&nbsp;6,772,762 $&nbsp;6,345,357 $&nbsp;6,373,564 $&nbsp;6,465,482 $&nbsp;Annualized
  pre-tax, pre-provision operating earnings to risk-weighted assets 1.80% 3.05%
  3.04% 2.72% 2.55% Tax equivalent adjustment on the increase in cash surrender
  value of life insurance </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei038.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">Non-GAAP
  Disclosure Reconciliations (Continued) 37 Total revenue, fully tax equivalent
  reconciliation (in thousands) Six Months Ended June 30, March 31, June 30,
  June 30, 2009 2010 2011 2012 2012 2013 2013  2013 Net interest income
  250,552 $&nbsp;339,772 $&nbsp;325,273 $&nbsp;292,788 $&nbsp;74,104 $&nbsp;67,685 $&nbsp;67,480 $&nbsp;135,165 $&nbsp;Plus: tax equivalent effect 10,625 10,458 13,188 20,429 5,057 5,555 5,594
  11,149 Net interest income, fully tax equivalent 261,177 350,230 338,461
  313,217 79,161 73,240 73,074 146,314 Core non-interest income 84,310 112,551
  120,046 128,769 29,539 38,221 38,904 77,125 Plus: tax equivalent adjustment
  on the increase in cash surrender value of life insurance 1,324 1,893 2,357
  1,922 468 454 454 908 Total revenues, fully tax
  equivalent 346,811 $&nbsp;464,674 $&nbsp;460,864 $&nbsp;443,908 $&nbsp;109,168 $&nbsp;111,915 $&nbsp;112,432 $&nbsp;224,347 $&nbsp;Core non-interest income to revenues, fully tax
  equivalent 25% 25% 27% 29% 27% 35% 35% 34.78% Three Months Ended 2009 2010
  2011 2012 June 30, 2012 March 31, 2013 June 30, 2013 Three Months Ended Six
  Months Ended June 30, 2013 $127,154 $185,756 $109,106 $111,599 $23,907
  $38,373 $40,954 $79,327 14,029 18,648 640 555 (34) (1) 14 13 (13) 630 283
  (942) (8) - - - - - 1,790 - - - - (429) (9,284) (13,613) (17,594) (5,441)
  (330) 2,015 1,685 28,547 62,649 - - - - - - 710 562 (40) 811 (149) 483 21 504
  84,310 112,551 120,046 128,769 29,539 38,221 38,904 77,125 1,324 1,893 2,357
  1,922 468 454 454 908 $85,634 $114,444 $122,403 $130,691
  $30,007 $38,675 $39,358 $78,033 Non-interest income Less net gains on
  investment securities Less net (losses) gains on sale of other assets Less
  net gain on sale of loans held for sale Less net (losses) gains on other real
  estate owned Less acquisition related gains Less increase (decrease) in
  market value of assets held in trust for deferred compensation Total core
  non-interest income Plus tax equivalent adjustment on the increase in cash
  surrender value of life insurance Core non-interest income, fully tax
  equivalent</font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->


<br clear="all" style="page-break-before:always;">


<div>
<!-- COMMAND=ROTATED_TABLE WIDTH="150%" -->

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td width="92%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="1" color="white" face="Times New Roman" style="color:white;"><img width="780" height="585" src="g200601bei001.gif" alt="GRAPHIC"></font></p>
  </td>
  <td width="7%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;">
  <p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Times New Roman" style="color:white;font-size:1.0pt;">&nbsp;September 2013 NASDAQ: MBFI Investor
  Presentation </font></p>
  </td>
 </tr>
</table>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\105933\13-20060-1\task6234906\20060-1-be.htm',USER='105933',CD='Sep  3 20:51 2013' -->



<br clear="all" style="page-break-before:always;">
<div>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">SIGNATURES</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;text-indent:24.5pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
<tr>
<td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="50%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:50.0%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">MB FINANCIAL,&nbsp;INC.</font></b></p>    </td>   </tr>
<tr>
<td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>
<td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>    </td>   </tr>
<tr>
<td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Date:   September&nbsp;3, 2013</font></p>    </td>
<td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:</font></p>    </td>
<td width="46%" valign="top" style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;width:46.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">/s/Jill   E. York</font></p>    </td>   </tr>
<tr>
<td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="46%" valign="top" style="border:none;padding:0in 0in 0in 0in;width:46.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Jill   E. York </font></p>    </td>   </tr>
<tr>
<td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
<td width="46%" valign="top" style="padding:0in 0in 0in 0in;width:46.0%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Vice   President and Chief Financial Officer</font></p>    </td>   </tr>  </table>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">4<a name="PB_4_080530_5796"></a></font></p>
<div style="margin:0in 0in .0001pt;"><hr size="3" width="100%" noshade color="#010101" align="left"></div>
</div>
<!-- SEQ.=1,FOLIO='4',FILE='C:\JMS\C901484\13-20060-1\task6233784\20060-1-bg.htm',USER='C901484',CD='Aug 31 08:17 2013' -->

</body>
</html>
[{"type": "8-K", "sequence": "1", "filename": "a13-20060_18k.htm", "description": "8-K", "secsgml_size_bytes": 121828}]
{"company-data": {"conformed-name": "MB FINANCIAL INC /MD", "cik": "0001139812", "assigned-sic": "6021", "irs-number": "364460265", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-24566-01", "film-number": "131074420"}, "business-address": {"street1": "800 WEST MADISON STREET", "city": "CHICAGO", "state": "IL", "zip": "60607", "phone": "888-422-6562"}, "mail-address": {"street1": "6111 NORTH RIVER ROAD", "city": "ROSEMONT", "state": "IL", "zip": "60018"}, "former-company": [{"former-conformed-name": "MB FINANCIAL INC     /MD", "date-changed": "20011115"}, {"former-conformed-name": "MB FINANCIAL INC/IL", "date-changed": "20011113"}, {"former-conformed-name": "MB MIDCITY INC", "date-changed": "20010502"}]}
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported):
September 3, 2013
MB FINANCIAL, INC.
(Exact name of registrant as specified in its charter)
Maryland
0-24566-01
36-4460265
(State or other jurisdiction
of incorporation)
(Commission File No.)
(IRS Employer
Identification No.)
800 West Madison Street, Chicago, Illinois
60607
(Address of principal executive offices)
(Zip Code)
Registrant's telephone number, including area code:
(888) 422-6562
N/A
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
o
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item 7.01. Regulation FD Disclosure
Forward-Looking Statements
When used in this Current Report on Form 8-K and in other reports filed with or furnished to the Securities and Exchange Commission (the "SEC"), in press releases or other public stockholder communications, or in oral statements made with the approval of an authorized executive officer, the words or phrases "believe," "will," "should," "will likely result," "are expected to," "will continue" "is anticipated," "estimate," "project," "plans," or similar expressions are intended to identify "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995.  You are cautioned not to place undue reliance on any forward-looking statements, which speak only as of the date made.  These statements may relate to our future financial performance, strategic plans or objectives, revenues or earnings projections, or other financial items.  By their nature, these statements are subject to numerous uncertainties that could cause actual results to differ materially from those anticipated in the statements.
Important factors that could cause actual results to differ materially from the results anticipated or projected include, but are not limited to, the following: (1) expected revenues, cost savings, synergies and other benefits from the pending merger of MB Financial, Inc. ("MB Financial") and Taylor Capital Group, Inc. ("Taylor Capital") and our other merger and acquisition activities might not be realized within the anticipated time frames or at all, and costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected; (2) requisite stockholder and regulatory approvals for the MB Financial-Taylor Capital merger might not be obtained; (3) the possibility that the expected benefits of the FDIC-assisted and other transactions we previously completed will not be realized; (4) the credit risks of lending activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for loan losses, which could necessitate additional provisions for loan losses, resulting both from loans we originate and loans we acquire from other financial institutions; (5) results of examinations by the Office of Comptroller of Currency, the Federal Reserve Board and other regulatory authorities, including the possibility that any such regulatory authority may, among other things, require us to increase our allowance for loan losses or write-down assets; (6) competitive pressures among depository institutions; (7) interest rate movements and their impact on customer behavior and net interest margin; (8) the impact of repricing and competitors' pricing initiatives on loan and deposit products; (9) fluctuations in real estate values; (10) the ability to adapt successfully to technological changes to meet customers' needs and developments in the market-place; (11) our ability to realize the residual values of our direct finance, leveraged, and operating leases; (12) our ability to access cost-effective funding; (13) changes in financial markets; (14) changes in economic conditions in general and in the Chicago metropolitan area in particular; (15) the costs, effects and outcomes of litigation; (16) new legislation or regulatory changes, including but not limited to the Dodd-Frank Wall Street Reform and Consumer Protection Act (the "Dodd-Frank Act") and regulations adopted thereunder, changes in capital requirements pursuant to the Dodd-Frank Act and the implementation of the Basel III capital standards, other governmental initiatives affecting the financial services industry and changes in federal and/or state tax laws or interpretations thereof by taxing authorities; (17) changes in accounting principles, policies or guidelines; (18) our future acquisitions of other depository institutions or lines of business; and (19) future goodwill impairment due to changes in our business, changes in market conditions, or other factors.
MB Financial does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date on which the forward-looking statement is made.
Additional Information
MB Financial will file a registration statement on Form S-4 with the SEC in connection with the proposed MB Financial-Taylor Capital merger.  The registration statement will include a joint proxy statement of MB Financial and Taylor Capital that also constitutes a prospectus of MB Financial, which will be sent to the stockholders of MB Financial and Taylor Capital.  Stockholders are advised to read the joint proxy statement/prospectus when it becomes available because it will contain important information about MB Financial, Taylor Capital and the proposed transaction.  When filed, this document and other documents relating to the merger filed by MB
2
Financial and Taylor Capital can be obtained free of charge from the SEC's website at
www.sec.gov
.  These documents also can be obtained free of charge by accessing MB Financial's website at
www.mbfinancial.com
under the tab "Investor Relations" and then under "SEC Filings" or by accessing Taylor Capital's website at www.taylorcapitalgroup.com under the tab "SEC Filings" and then under "Documents".  Alternatively, these documents, when available, can be obtained free of charge from MB Financial upon written request to MB Financial, Inc., Secretary, 6111 North River Road, Rosemont, Illinois 60018 or by calling (847) 653-1992, or from Taylor Capital, upon written request to Taylor Capital Group, Inc., Investor Relations, 9550 West Higgins Road, Rosemont, Illinois 60018 or by calling (847) 653-7978.
Participants in the Transaction
MB Financial, Taylor Capital and certain of their respective directors and executive officers may be deemed to be participants in the solicitation of proxies from stockholders in connection with the proposed transaction under the rules of the SEC.  Information about these participants may be found in the definitive proxy statement of MB Financial relating to its 2013 Annual Meeting of Stockholders filed with the SEC by MB Financial on April 12, 2013 and the definitive proxy statement of Taylor Capital relating to its 2013 Annual Meeting of Stockholders filed with the SEC on April 24, 2013.  These definitive proxy statements can be obtained free of charge from the sources indicated above.  Additional information regarding the interests of these participants will also be included in the joint proxy statement/prospectus regarding the proposed transaction when it becomes available.
Set forth below are investor presentation materials.
3
September 2013 NASDAQ: MBFI Investor
  Presentation
Forward-Looking
  Statements and Additional Information 1 Forward-Looking Statements When used
  in this presentation and in reports filed with or furnished to the Securities
  and Exchange Commission, in press releases or other public stockholder
  communications, or in oral statements made with the approval of an authorized
  executive officer, the words or phrases "believe," "will," "should," "will
  likely result," "are expected to," "will continue" "is anticipated,"
  "estimate," "project," "plans," or similar expressions are intended to
  identify "forward-looking statements" within the meaning of the Private
  Securities Litigation Reform Act of 1995. You are cautioned not to place
  undue reliance on any forward-looking statements, which speak only as of the
  date made. These statements may relate to our future financial performance,
  strategic plans or objectives, revenues or earnings projections, or other
  financial items. By their nature, these statements are subject to numerous
  uncertainties that could cause actual results to differ materially from those
  anticipated in the statements. Important factors that could cause actual
  results to differ materially from the results anticipated or projected
  include, but are not limited to, the following: (1) expected revenues, cost
  savings, synergies and other benefits from the pending MB Financial-Taylor
  Capital merger and our other merger and acquisition activities might not be
  realized within the anticipated time frames or at all, and costs or
  difficulties relating to integration matters, including but not limited to
  customer and employee retention, might be greater than expected; (2)
  requisite stockholder and regulatory approvals for the MB Financial-Taylor
  Capital merger might not be obtained; (3) the possibility that the expected
  benefits of the FDIC-assisted and other transactions we previously completed
  will not be realized; (4) the credit risks of lending activities, including
  changes in the level and direction of loan delinquencies and write-offs and
  changes in estimates of the adequacy of the allowance for loan losses, which
  could necessitate additional provisions for loan losses, resulting both from
  loans we originate and loans we acquire from other financial institutions;
  (5) results of examinations by the Office of Comptroller of Currency, the
  Federal Reserve Board and other regulatory authorities, including the
  possibility that any such regulatory authority may, among other things,
  require us to increase our allowance for loan losses or write-down assets;
  (6) competitive pressures among depository institutions; (7) interest rate
  movements and their impact on customer behavior and net interest margin; (8)
  the impact of repricing and competitors' pricing
  initiatives on loan and deposit products; (9) fluctuations in real estate
  values; (10) the ability to adapt successfully to technological changes to
  meet customers' needs and developments in the market-place; (11) our ability
  to realize the residual values of our direct finance, leveraged, and
  operating leases; (12) our ability to access cost-effective funding; (13)
  changes in financial markets; (14) changes in economic conditions in general
  and in the Chicago metropolitan area in particular; (15) the costs, effects and
  outcomes of litigation; (16) new legislation or regulatory changes, including
  but not limited to the Dodd-Frank Wall Street Reform and Consumer Protection
  Act (the "Dodd-Frank Act") and regulations adopted thereunder,
  changes in capital requirements pursuant to the Dodd-Frank Act and the
  implementation of the Basel III capital standards, other governmental
  initiatives affecting the financial services industry and changes in federal
  and/or state tax laws or interpretations thereof by taxing authorities; (17)
  changes in accounting principles, policies or guidelines; (18) our future
  acquisitions of other depository institutions or lines of business; and (19)
  future goodwill impairment due to changes in our business, changes in market
  conditions, or other factors. We do not undertake any obligation to update
  any forward-looking statement to reflect circumstances or events that occur
  after the date on which the forward-looking statement is made.
Forward-Looking
  Statements and Additional Information 2 Additional Information MB Financial
  will file a registration statement on Form S-4 with the SEC in connection
  with the proposed MB Financial-Taylor Capital merger. The registration
  statement will include a joint proxy statement of MB Financial and Taylor
  Capital that also constitutes a prospectus of MB Financial, which will be
  sent to the stockholders of MB Financial and Taylor Capital. Stockholders are
  advised to read the joint proxy statement/prospectus when it becomes
  available because it will contain important information about MB Financial,
  Taylor Capital and the proposed transaction. When filed, this document and
  other documents relating to the merger filed by MB Financial and Taylor
  Capital can be obtained free of charge from the SEC's
  website at www.sec.gov. These documents also can be obtained free of charge
  by accessing MB Financial's website at
  www.mbfinancial.com under the tab "Investor Relations" and then under "SEC
  Filings" or by accessing Taylor Capital's website at
  www.taylorcapitalgroup.com under the tab "SEC Filings" and then under
  "Documents". Alternatively, these documents, when available, can be obtained
  free of charge from MB Financial upon written request to MB Financial, Inc.,
  Secretary, 6111 North River Road, Rosemont, Illinois 60018 or by calling
  (847) 653-1992, or from Taylor Capital, upon written request to Taylor
  Capital Group, Inc., Investor Relations, 9550 West Higgins Road, Rosemont,
  Illinois 60018 or by calling (847) 653-7978. Participants in the Transaction
  MB Financial, Taylor Capital and certain of their respective directors and
  executive officers may be deemed to be participants in the solicitation of
  proxies from stockholders in connection with the proposed transaction under
  the rules of the SEC. Information about these participants may be found in
  the definitive proxy statement of MB Financial relating to its 2013 Annual
  Meeting of Stockholders filed with the SEC by MB Financial on April 12, 2013
  and the definitive proxy statement of Taylor Capital relating to its 2013
  Annual Meeting of Stockholders filed with the SEC on April 24, 2013. These
  definitive proxy statements can be obtained free of charge from the sources
  indicated above. Additional information regarding the interests of these
  participants will also be included in the joint proxy statement/prospectus
  regarding the proposed transaction when it becomes available.
Improved return
  on average assets ("ROA") and net income: Strong fee income: Non-performing
  loans and non-performing assets stable Key positives for the quarter: Net
  interest margin increased 2 bps during the quarter, and net interest income
  was stable; Total loans excluding covered loans increased approximately $50
  million during the quarter; Credit costs remain low and had OREO gains for
  the quarter; Core fee income remains strong - core fee revenues made up 35%
  of total revenues, and Expenses continue to be well controlled. Announced
  Taylor Capital Group, Inc. ("Taylor Capital") acquisition. Expected to close
  in first half of 2014. Increased quarterly common dividend to $0.12 per
  share. Recent Company Highlights 3 2Q12 1Q13 2Q13 Change from 2Q12 to 2Q13
  Change from 1Q13 to 2Q13 Non-performing loans to total loans 1.98% 2.00%
  2.03% +0.05% +0.03% Non-performing assets to total assets 1.72% 1.56% 1.59%
  -0.13% +0.03% Net charge-offs (recoveries) to average loans 0.31% 0.25%
  -0.02% -0.33% -0.27% 2Q12 1Q13 2Q13 Change from 2Q12 to 2Q13 Change from 1Q13
  to 2Q13 (dollars in thousands) Total core non-interest income 29,539 $ 38,221
  $ 38,904 $ +31.70% +1.79% Core non-interest income to total revenues 27% 35%
  35% +7.52% +0.45% 0.94% 1.07% 1.09% +0.15% +0.02% 11.28% 12.53% 12.31% +1.03%
  -0.22% $22,143 $24,906 $25,293 +14.23% +1.55%
Company
  Strategy Build a bank with lower risk and consistently better returns than peers
  over the long term Develop balance sheet with superior profitability and
  lower risk Add great customers in our four business lines, whether they
  borrow or not Maintain low credit risk and low credit costs Attract low cost
  and stable funding Maintain strong liquidity and capital Focus intensely on
  fee income Fees need to be high quality, recurring, and profitable Not an
  easy task; requires meaningful investment Emphasize leasing, capital markets,
  international banking, cards, commercial deposit fees, treasury management,
  and trust and asset management Grow select fee businesses nationally
  (leasing, cards and treasury management) Invest in human talent Recruit and
  retain the best staff – very low turnover rate of "A" employees Maintain
  strong training programs – large commercial banker training program Be the
  employer of choice; Awards received – ranked in the top 10 among the large
  employer category in the Chicago Tribune's Top 100 Workplaces survey two
  years in a row, and ranked among best places to work in National Top
  Workplace Survey Make opportunistic acquisitions Skilled and disciplined
  acquirer Long track record of successful integrations 4
Lines of
  Business 5 Retail Banking Provides the majority of funding for commercial
  lending business; provides 58% of deposits and 16% of loans High percentage
  of core funding Low reliance on CDs Focuses on business banking customers and
  individuals that live or work near our branches Key fee initiatives include
  card services and treasury management services for business banking customers
  Wealth Management Provides customized private banking, trust, investment
  management, brokerage, and retirement plan services through a team of
  experienced advisors Specializes in serving business owners, high-net worth
  families, foundations, and endowments Focused on asset management, low-cost
  deposits, and private banking services Manages more than $2.9 billion of
  client assets through trust department and asset management subsidiary (Cedar
  Hill Associates, LLC) Commercial Banking Lending and depository services to
  middle-market companies with revenues ranging from $10 to $250mm
  "Relationship banking" culture; calling officers have 20+ years average
  experience Commercial and industrial and commercial real estate loan portfolio
  – terms generally range from 1 to 5 years; 98% with total relationship credit
  exposure of $25 million or less; approximately 57% have a floating rate of
  interest (69% indexed to LIBOR and 31% indexed to Prime) Key fee initiatives
  include treasury management, capital markets, international banking and
  cross-selling wealth management products Note: Business line financial data
  as of June 30, 2013 Leasing Lease banking – provides banking services to lessors located throughout the U.S.; lease and working
  capital loans and lease equity investments Lease loans totaled $1.4 billion
  at 6/30/13 Lease loans are underwritten primarily on the creditworthiness of
  the lessee Lessees include mostly investment grade "Fortune 1000" companies
  located throughout the U.S. and large middle-market companies Lease
  originations and related services – through our lease subsidiaries, LaSalle
  Systems Leasing, Inc. and Celtic Leasing Corp. Lease technology-related and
  material handling equipment to "Fortune 1000", large middle-market companies,
  and healthcare providers located throughout the U.S. Specialize in selling
  third party equipment maintenance contracts to large companies
Great Branch
  Footprint for Serving Business Customers 6 Chicago MSA – 84 branches
  Regularly optimize branch network (closed 1 branch in 2013, 3 branches in
  2012 and 2 branches in 2011) Branches predominantly located in Cook and DuPage counties in the Chicago MSA where approximately
  80% of middle-market companies are located Source: SNL Financial (11/2012)
Composition of
  the Loan Portfolio – Favorable Mix Changes Improved loan mix over the last
  twelve months while total loan balances, excluding covered loans, increased
  4% from June 30, 2012. C&I and lease loans increased as a percent of
  total portfolio from 40% to 46% from June 30, 2012 to June 30, 2013.
  Decreased emphasis on construction and commercial real estate loans; these
  categories went from 34% to 33% of the total portfolio. As expected, covered
  loans declined from a year ago. 7 (Dollars in millions) Balance Percent of
  Total Q2 Yield Balance Percent of Total Q2 Yield Change in Balance Commercial
  loans 1,079 $ 19% 4.77% 1,199 $ 21% 4.18% 11% Commercial loans collateralized
  by assignment of lease payments 1,221 21% 4.54% 1,423 25% 3.87% 17% Commercial
  real estate 1,795 31% 5.11% 1,711 30% 4.54% -5% Construction real estate 151
  3% 3.98% 121 3% 3.76% -20% Residential real estate 313 5% 4.57% 306 5% 3.96%
  -2% Other consumer loans 611 11% 4.84% 599 11% 4.68% -2% Gross loans,
  excluding covered loans 5,170 90% 4.87% 5,359 95% 4.28% 4% Covered loans 553
  10% 5.67% 309 5% 5.09% -44% Total loans 5,723 $ 100% 4.95% 5,668 $ 100% 4.33%
  -1% June 30, 2012 June 30, 2013
NPL Composition
  June 30, 2013 Asset Quality Statistics – Improvement Continues 8 Payment Status
  of NPLs Ratio 12/31/2009 12/31/2010 12/31/2011
  12/31/2012 6/30/2012 6/30/2013 ALLL to total loans 2.71% 2.90% 2.13% 2.15%
  2.13% 2.18% NPLs to total loans 4.16% 5.48% 2.17%
  2.03% 1.98% 2.03% ALLL to non-performing loans 65.26% 53.03% 98.00% 106.17%
  107.25% 107.32% Net charge-offs (recoveries) to average loans 3.09% 3.42%
  2.90% (0.02%) 0.36% 0.12% At or For the Year Ended At or For the Six Months
  Ended
Investment
  Securities Portfolio 9 Note: Includes available for sale and held to maturity
  securities as well as non-marketable securities (FRB and FHLB stock). Tax US Gov't Equivalent Balance maturing in (1) Agency MBS
  Municipals Corporate Equity (2) Total Yield Year 1 - $ 241 $ 43 $ - $ - $ 284
  $ 1.42% Year 2 - 158 42 5 - 205 2.04% Year 3 - 111 64 8 - 184 3.16% Year 4 30
  160 105 34 - 329 3.72% Year 5 121 73 134 - 329 3.47% Year 6 - 59 81 16 - 156
  4.03% Year 7 - 20 57 - - 77 4.33% Year 8 - 11 177 - - 187 5.14% Year 9 - 8
  179 - - 187 5.13% Year 10 - 4 53 - - 57 3.82% Over 10 Years - 10 8 5 61 85
  4.01% Total Par 30 $ 902 $ 882 $ 202 $ 61 $ 2,078 $ 3.46% Estimated Fair
  Value 34 $ 970 $ 971 $ 215 $ 61 $ 2,251 $ Appreciation 2 $ 25 $ 18 $ (4) $ 0
  $ 41 $ Duration (Years) 2.9 2.5 4.5 3.5 3.4 Tax Equivalent Yield 2.71% 1.83%
  5.29% 2.75% 3.97% 3.46% (1) Includes maturities and estimated paydowns in the case of MBS. (2) Primarily consists of
  FHLB and FRB stock. Maturity/Paydown Analysis June
  30, 2013 (Dollars in millions)
Liquidity
  Ratios – Robust Liquidity (A) Total deposits (excluding brokered deposits)
  and customer repurchase agreements/Total deposits, customer repurchase
  agreements and other borrowings. 10 Strong liquidity Not reliant on non-core
  funding High lending capacity
Low Cost
  Deposit Base – Improved Mix Deposit mix improved significantly over the last
  several years. Not reliant on wholesale funding. 11 Percent Percent  Percent  Percent  Percent Amount of Total
  Amount of Total Amount of Total Amount of Total Amount of Total Noninterest
  bearing deposits 1,552 $ 18% 1,692 $ 21% 1,886 $ 25% 2,165 $ 29% 2,230 $ 30%
  Money market and NOW accounts 2,776 32% 2,776 34% 2,645 34% 2,747 36% 2,719
  37% Savings accounts 584 7% 698 8% 754 10% 811 11% 846 11% 4,912 57% 5,166
  63% 5,285 69% 5,723 76% 5,795 78% Certificates of deposit 3,243 37% 2,519 31%
  1,926 25% 1,525 20% 1,358 18% Brokered deposit accounts 528 6% 468 6% 437 6%
  294 4% 292 4% 3,771 43% 2,987 37% 2,363 31% 1,819 24% 1,650 22% 8,683 $ 100%
  8,153 $ 100% 7,648 $ 100% 7,542 $ 100% 7,445 $ 100% Customer repurchase
  agreements 224 $ 28% 265 $ 37% 216 $ 34% 208 $ 43% 231 $ 52% Wholesale
  borrowings 381 46% 239 34% 220 34% 79 16% 63 14% Subordinated debt and junior
  subordinated notes issued to capital trusts 209 26% 209 29% 209 32% 202 41%
  152 34% 814 $ 100% 713 $ 100% 645 $ 100% 489 $ 100% 446 $ 100% Total borrowings
  Total deposits Low cost deposits: Total low cost deposits Certificates of
  deposit: Total certificates of deposit Borrowings: 12/31/2010 12/31/2011
  12/31/2012 (Dollars in millions) 6/30/2013 12/31/2009
Capital
  Composition 6/30/2013 12 Simple capital structure. Dominated by common
  equity.
Summary Income
  Statement – Profitability has "Normalized" 13 (1) Year to date annualized
  2009 2010 2011 2012 2012 2013 Interest income 394 $ 430 $ 385 $ 335 $ 175 $ 149 $ Interest expense 143 90 59 43 24 14 Net
  interest income 251 340 325 293 151 135 Provision for credit losses 232 246
  121 (9) 3 1 Net interest income after provision for credit losses 19 94 205
  302 148 135 Non-interest income 127 186 109 112 47 79 Non-interest expenses
  224 259 270 286 134 143 Income (loss) before income taxes (78) 21 44 127 61
  71 Applicable income tax expense (benefit) (45) 0 5 37 17 20 Income (loss)
  from continuing operations (33) 21 39 90 43 50 Income from discontinued
  operations, net of income tax 7 - - - - - Net income (loss) (26) 21 39 90 43
  50 Dividends and discount accretion on preferred shares 10 10  10 3 3
  - Net income (loss) available to common stockholders (36) $ 10 $ 28 $ 87 $ 40
  $ 50 $ For the Year Ended December 31, For the Six Months Ended June 30, (In
  millions)
Performance
  Ratios – Reflects Improving Operations 14 (1) Year to date annualized (2) Quarter
  to date annualized
Key Fee
  Initiatives – Becoming More Meaningful 15 Capital markets fees Team built in
  first quarter of 2012 Includes fees for the following services: derivatives
  and interest rate risk solutions, capital solutions, merger and acquisition
  advisory and real estate debt placement International banking fees Team built
  two years ago Includes fees for the following services: trade services (letters
  of credit), export trade finance, and foreign exchange Commercial deposit and
  treasury management fees Includes fees for the following services: account
  management, payments systems access, information management, and fraud and
  risk mitigation Expanding nationally where we have expertise Lease financing
  Includes fees related to equipment leases as well as selling third party
  equipment maintenance contracts Trust and asset management fees Wealth
  management solutions for individuals, corporations and not-for-profits
  Includes fees for the following services: investment management, custody,
  personal trust, financial planning, and wealth advisory services for high net
  worth individuals Card fees Expanded into prepaid and credit cards in 2012
  Includes fees for debit, credit, prepaid, incentive and gift cards 2009 2010
  2011 2012 2012 2013 Key fee initiatives: Capital
  markets and international banking fees 502 $ 344 $ 1,870 $ $ 5,086 $ $ 1,300
  $ 1,747 $ Commercial deposit and treasury management fees 16,545 21,806
  23,559 23,636 11,682 11,995 Lease financing, net 18,528 21,853 26,939 36,382
  14,292 31,365 Trust and asset management fees 12,593 15,037 17,324 17,990
  8,939 9,368 Card fees 4,558 7,057 7,032 9,368 4,473 5,430 Total key fee
  initiatives 52,726 $ 66,097 $ 76,724 $ 92,462 $ 40,686 $ 59,905 $ (In
  Thousands) Year Ended December 31, June 30, Six Months Ended
Market Leading
  Operating Performance 16 Source: Company filings, SNL Financial Note: Chicago
  peers consist of public banks headquartered in Chicago MSA with assets
  between $2.0bn and $16.6bn at June 30, 2013 and include: First Midwest, Old
  Second, PrivateBancorp, Taylor Capital, Wintrust Net non-interest expense / average assets (%)
  Core non-interest income / revenues - FTE (%) Asset yields - FTE (%) Pre-tax,
  pre-provision operating earnings - FTE / risk-weighted assets (%) Cost of
  funds (%) MBFI Chicago Peers Median Net interest margin - FTE (%) 16 (1) Year
  to date annualized 25 25 27 29 35 25 23 24 29 33
  2009 2010 2011 2012 2Q13 4.59 4.82 4.59 4.24 3.95 4.82 4.54 4.23 3.92 5.00
  2009 2010 2011 2012 2Q13 (1) 1.67 0.70 0.52 0.36 1.73 1.13 0.90 0.66 0.56
  0.99 2009 2010 2011 2012 2Q13 (1) 2.97 3.90 3.73 3.60 3.83 3.32 3.46 3.52
  3.51 3.04 2009 2010 2011 2012 2Q13 (1)
Stronger
  Capital Than Local Peers 17 Source: Company filings, SNL Financial Note:
  Chicago peers consist of median data for public banks headquartered in
  Chicago MSA with assets between $2.0bn and $16.6bn at June 30, 2013 and
  include: First Midwest, Old Second, PrivateBancorp,
  Taylor Capital, Wintrust.
  TCE / TA (%) Tier I Capital Ratio (%) Total Risk-Based Capital Ratio (%) TCE
  / RWA (%) MBFI Chicago Peers Median 6.2 7.5 8.4 9.1 9.6 5.5 7.3 7.6 7.6 7.9 2009 2010 2011 2012 2Q13 8.8 10.9 12.5 13.1 13.2
  6.5 8.8 9.0 8.9 9.0 2009 2010 2011 2012 2Q13 15.5 17.8 19.4 16.6 16.5 13.6
  14.0 14.0 13.4 14.2 2009 2010 2011 2012 2Q13 13.5
  15.8 17.3 14.7 15.2 11.4 12.3 11.7 11.2 11.5 2009 2010 2011 2012 2Q13
18 Source:
  Company filings, SNL Financial Note: Chicago peers consist of median data for
  public banks headquartered in Chicago MSA with assets between $2.0bn and
  $16.6bn at June 30, 2013 and include: First Midwest, Old Second, PrivateBancorp, Taylor Capital, Wintrust. NPAs / Assets
  (%) Reserves/Loans (%) Reserves / NPLs (%) Credit
  Metrics Similar to Local Peers Reserves / Loans (%) NPLs
  / Loans (%) MBFI Chicago Peers Median 2.84 4.21 2.12 1.62 1.59 3.72 3.93 2.93
  1.59 1.55 2009 2010 2011 2012 2Q13 65 53 98 106 107 62 63 82 106 104 2009
  2010 2011 2012 2Q13 2.71 2.90 2.13 2.15 2.18 2.71 2.75 2.18 2.00 1.95 2009
  2010 2011 2012 2Q13 4.16 5.48 2.17 2.03 2.03 4.41
  4.55 3.05 1.80 1.87 2009 2010 2011 2012 2Q13
Valuable
  Position in the Chicago MSA Rank Institution Branches Total deposits in
  market ($mm) Total market share (%) 1 JPMorgan Chase 441 70,527 22.5 2 BMO
  Financial Group 228 36,303 11.6 3 Bank of America 172 22,992 7.3 4 Northern
  Trust 11 22,185 7.1 5 Wintrust Financial 116 13,513
  4.2 6 PNC Financial Services 152 11,714 3.7 7 Fifth Third 180 11,000 3.5 8 MB
  Financial, Post Taylor1 95 11,138 3.4 8 Citigroup 74 10,542 3.4 9 PrivateBancorp 20 9,176 2.9 10 MB Financial1 84 7,445 2.4
  11 US Bancorp 89 6,254 2.0 12 First Midwest 83 6,070 1.9 13 Royal Bank of
  Scotland 105 5,459 1.7 14 Wells Fargo 9 4,600 1.5 15 TCF Financial 199 3,938
  1.3 All other institutions 1,199 72,035 23.0 MSA Total 3,162 313,753 100.0
  Rank Institution Branches Total deposits in market ($mm) Total market share
  (%) 1 JPMorgan Chase 326 38,407 16.0 2 ABN Amro
  (LaSalle Bank) 140 30,957 12.9 3 Harris (Bank of Montreal) 192 23,237 9.7 4 Northern
  Trust 18 8,461 3.5 5 Fifth Third 123 8,052 3.4 6 Royal Bank of Scotland 136
  6,446 2.7 7 Wintrust Financial 55 6,019 2.5 8 Corus
  Bankshares 14 5,500 2.3 9 Citigroup 51 5,441 2.3 10
  MAF Bancorp 49 4,904 2.0 11 National City 59 4,528 1.9 12 First Midwest 56
  4,488 1.9 13 Bank of America 31 4,159 1.7 14 MB Financial 39 3,770 1.6 15
  FBOP Corp 25 2,824 1.2 All other institutions 1,686 82,474 34.4 MSA Total
  3,000 239,667 100.0 Current Chicago MSA Rankings 2005 Chicago MSA Rankings
  Source: SNL Financial Note: Data as of June 30, 2012 reflects announced
  acquisitions post June 30, 2012 1 Deposits as of 6/30/2013 19
Market Share of
  Top Banks in 10 Largest U.S. MSAs 20 Market share
  of top 10 banks in 10 largest U.S. MSAs Market
  share of top 3 banks in 10 largest U.S. MSAs
  Source: SNL Financial as 6/30/2012
21 Skilled
  Acquirer Skilled acquirer of both depository and non-depository entities
  Sixteen acquisitions since 2000 Disciplined financial analyses focused on:
  Internal rates of return Returns on invested capital Long-term per share
  earnings accretion Long track record of successful and rapid employee,
  customer and systems integrations Ability to manage multiple integrations
  simultaneously Branch network size and location makes acquired branch consolidations
  more likely to result in enhanced expense savings opportunities Company
  culture suited for acquisitions
22 2001 2002
  2004 2006 2008 2004 First SecurityFed Financial
  (Chicago, IL) January 9, 2004 2002 South Holland Bancorp (South Holland, IL) November
  1, 2002 LaSalle Systems Leasing, Inc. July 22, 2002 2006 First Oak Brook
  Bancshares (Oak Brook, IL) May 1, 2006 2009 Heritage Community Bank
  (Glenwood, IL) February 27, 2009 InBank (Oak Forest
  IL) September 4, 2009 Corus Bank (Chicago, IL) September 11, 2009 Benchmark
  Bank (Aurora, IL) December 4, 2009 Source: Company filings Note: Transaction
  dates indicate announcement date 2008 Cedar Hill Associates, LLC (Chicago,
  IL) April 18, 2008 Track Record of Being a Disciplined Acquirer and
  Experienced Integrator 2009 2010 2010 Broadway Bank
  (Chicago, IL) April 23, 2010 New Century Bank (Chicago, IL) April 23, 2010
  2001 FSL Holdings, Inc. (South Holland, IL) February 8, 2001 MidCity Financial (Chicago, IL) April 19, 2001 First
  Lincolnwood (Lincolnwood, IL) December 27, 2001 2012 2012
  Celtic Leasing Corp. (Irvine, CA) December 28, 2012 2003 2005 2007 2011 2013
  2014 Taylor Capital Group, Inc. (Rosemont, IL) Expected to close in first
  half of 2014 2014
Taylor Capital
  Acquisition – Combination of complementary commercial banks with similar
  business models Strategically attractive combination Financially compelling,
  high-return, low-risk opportunity Two leading Chicago commercial banks
  merging to better serve the metropolitan community: $14.9bn assets, $9.0bn
  gross loans, and $11.1bn deposits Complementary commercial customer bases
  with shared lending philosophies Nearly doubles middle-market commercial
  banking market share Attractive national businesses Increased presence in
  attractive Cook county (top 5 pro forma) Combined management team with strong
  Chicago roots Allows MB Financial to deploy excess capital in an attractive
  manner: 15%+ EPS accretion with fully phased-in synergies, 3.5 years tangible
  book value per share earnback, and 15%+ IRR
  Maintain strong capital position with 8%+ tangible common equity ratio
  Compelling returns with pro-forma profitability significantly above peer
  median Achievable cost savings estimated at 30% of Taylor's core operating
  expenses, excluding the mortgage business line Management team with
  significant merger integration experience Mortgage business provides a
  potential additional fee revenue source for MB Financial 23
Combination
  with Taylor Capital meets previously stated strategic priorities
Build a bank with lower risk and
  consistently better returns than peers over the long-term Develop balance
  sheet with superior profitability and lower risk Focus intensely on fee
  income Invest in human talent Make opportunistic acquisitions Meaningfully
  improves ROA and ROATCE Deploys excess capital and improves strategic
  flexibility Further diversifies revenue stream and asset generation
  capabilities Effectively utilizes balance sheet liquidity to fund commercial
  loan growth Diversifies loan portfolio into new asset classes Provides
  opportunities to cross-sell fee income products Mortgage business provides
  another source of fee income
Adds depth and
  additional capabilities to commercial banking Brings expertise in other
  areas, including asset-based lending Transaction solidifies MB Financial's market position in Chicago Significantly
  increases scarcity value – largest independent bank in Chicago MSA by market
  capitalization 24
Leasing Appendix 25
Components of
  our Leasing Business Lease Banking Our lease banking group provides banking
  services to equipment lessors located throughout
  the U.S. Debt financing Working capital financing Partners with customers on
  equity/residual investments in leases Treasury management services Debt
  financing (Lease Loans) are non-recourse loans to lessors,
  collateralized by leased equipment and underwritten based on the financial
  wherewithal of each lessee. Lessees generally consist of investment grade
  Fortune 1000, large middle-market, and health care companies located
  throughout the U.S. No residual risk on Lease Loans funded with third
  parties. Most loans fully amortize over periods ranging from 30 to 60 months.
  Credit experience has been stellar. Non-performing loans and charge-offs have
  been minimal for more than 10 years. Lease Loans outstanding totaled $1.4
  billion at 6/30/2013. Revenues from Lease Loans and working capital financing
  are reflected in interest income. 26
Components of
  our Leasing Business (Continued) Lease Originations Leases are originated
  directly through our LaSalle and Celtic subsidiaries ($75 to $100 million per
  year per company). Leased equipment generally consists of technology-related
  and material handling equipment. Direct Finance and Leverage Leases are
  grouped with Lease Loans on the balance sheet. Operating Leases are reflected
  in the Other Assets section of the balance sheet under the heading Lease
  Investments, Net. Lessors generally finance much of
  their equipment cost with debt (85% to 95% of original equipment cost). The
  amount of debt available is based on the present value of future lease
  payments discounted at prevailing market interest rates. The portion of the
  equipment cost not funded with debt represents the equity or residual
  investment in the lease. Our residual investments in equipment leases totaled
  $74 million at 6/30/2013. Residual income is accreted over the life of the
  lease so that at the end of the lease term the accreted residual amount
  approximates the fair value of the leased equipment. 27
Lease
  Originations (continued) Interest income on Direct Finance and Leverage
  Leases and accreted residual income on Direct Finance and Leverage Leases are
  included in Interest Income. Lease payments on Operating Leases plus residual
  income that is accreted on Operating Leases less depreciation on equipment
  underlying Operating Leases are included in Lease Financing Fee Income. At
  the end of a lease term the lease may be renewed, extended on a
  month-to-month basis, or the equipment may be returned and sold. Proceeds
  received as a result of lease renewals and equipment sales less the residual
  investment in a lease results in a gain or loss that is reflected in Lease
  Financing Fee Income. Other leasing related services included in Lease
  Financing Fee Income We broker maintenance contracts sold by equipment
  manufacturers to our customers covering equipment leased from MB as well as
  other equipment owned or leased by our clients. Equipment manufacturers are
  responsible for completing any maintenance covered by a maintenance contract.
  Maintenance contract revenue is presented net of the related cost of sales
  paid to the third party provider. Components of our Leasing Business
  (Continued) 28
Interest income
  includes: Interest income on Lease Loans Interest income on Direct Finance
  Leases Interest income on Leverage Leases, less related funding cost Residual
  accretion on Direct Finance and Leverage Leases Lease financing fee income
  includes: Rental payments on Operating Leases Depreciation expense on
  Operating Leases Residual accretion on Operating Leases Gains or losses on
  residuals Interim rent Equipment maintenance contract revenue, less related
  cost of sales Vendor promotional revenue related to equipment maintenance
  contracts Income Statement Geography 29
Non-GAAP Disclosure Appendix 30
Non-GAAP
  Disclosure Reconciliations This presentation contains certain financial
  information determined by methods other than in accordance with accounting
  principles generally accepted in the United States of America (GAAP). These
  measures include net interest margin on a fully tax equivalent basis; core
  non-interest income; ratio of core non-interest income to total revenue on a
  fully tax equivalent basis, ratio of net non-interest expense to average
  assets and ratio of pre-tax, pre-provision operating earnings on a fully tax
  equivalent basis to risk-weighted assets, with net gains and losses on
  investment securities, net gains on sale of other assets, net gain on sale of
  loans held for sale, net gains and losses on other real estate owned, acquisition
  related gains and increase (decrease) in market value of assets held in trust
  for deferred compensation excluded from the calculations of the non-interest
  income, core non-interest income and pre-tax, pre-provision operating
  earnings components of these ratios, and the FDIC special assessment expense,
  impairment charges, prepayment fees on interest-bearing liabilities and
  increase (decrease) in market value of assets held in trust for deferred
  compensation excluded from the non-interest expense components of the ratios
  of net non-interest expense to average assets and pretax, pre-provision
  operating earnings, on a fully tax equivalent basis to risk-weighted assets
  with tax equivalent adjustments for tax-exempt interest income and increase
  in cash surrender value of life insurance, as applicable; ratios of tangible
  common equity to risk weighted assets and tangible common equity to tangible
  assets; core funding to total funding; and cash return on average tangible
  common equity (net cash flow available to common stockholders divided by
  average tangible common equity). Our management uses these non-GAAP measures,
  together with the related GAAP measures, in its analysis of our performance
  and in making business decisions. Management also uses these measures for
  peer comparisons. The tax equivalent adjustments to net interest margin,
  pre-tax, pre-provision operating earnings, non-interest income and total
  revenue recognizes the income tax savings when comparing taxable and
  tax-exempt assets and assumes a 35% tax rate. Management believes that others
  within the banking industry present these measures on a fully tax equivalent
  basis, and accordingly believes that providing these measures may be useful
  for peer comparison purposes. For the same reasons, management believes the
  tax equivalent adjustments for tax-exempt interest income and increase in
  cash surrender value of life insurance are useful. Management believes that
  pre-tax, pre-provision operating earnings are a useful measure in assessing
  our operating performance, particularly during times of economic stress. In
  recent periods, our results of operations have been negatively impacted by
  adverse economic conditions, as seen in our elevated levels of loan
  charge-offs and provision for credit losses. Management believes that
  measuring earnings before the impact of the provision for credit losses makes
  our financial data more comparable between reporting periods so that
  investors can better understand our operating performance trends. Management
  also believes that this is a standard figure used in the banking industry to
  measure performance. Management believes that core and non-core non-interest
  income and expense are useful in assessing our operating performance and in
  understanding the primary drivers of our non-interest income and expense when
  comparing periods. Management, likewise, believes that presenting the ratio
  of core funding to total funding is useful in understanding our funding
  sources when comparing periods. 31
Non-GAAP
  Disclosure Reconciliations (Continued) Management also believes that by
  excluding net gains on investment securities, net gains and losses on sale of
  other assets, net gain on sale of loans held for sale, net gains and losses
  on other real estate owned, acquisition related gains and increase (decrease)
  in market value of assets held in trust for deferred compensation from the
  other (non-interest) income components and excluding the FDIC special
  assessment expense, impairment charges, prepayment fees on interest-bearing
  liabilities and increase (decrease) in market value of assets held in trust
  for deferred compensation from the other (non-interest) expense components of
  the ratios of net non-interest expense to average assets and pre-tax,
  pre-provision operating earnings on a fully tax equivalent basis to
  risk-weighted assets and, in the case of the income-related items, the ratio
  of core non-interest income to total revenue on a fully tax equivalent basis,
  this information better reflects our operating performance, as the excluded
  items do not pertain to our core business operations and their exclusion
  makes this information more meaningful when comparing our operating results
  from period to period. The ratios of tangible common equity to tangible
  assets and tangible common equity to risk-weighted assets exclude goodwill
  and other intangible assets, net of tax benefits, in determining tangible
  assets and tangible common equity. Management believes that the presentation
  of these measures excluding the impact of such items provides useful
  supplemental information that is helpful in understanding our financial
  results, as they provide a method to assess management's success in utilizing
  our tangible capital as well as our capital strength. Management also
  believes that providing measures that exclude balances of goodwill and other
  intangible assets, which are subjective components of valuation, facilitates
  the comparison of our performance with the performance of our peers. In
  addition, management believes that these are standard financial measures used
  in the banking industry to evaluate performance. The non-GAAP disclosures
  contained herein should not be viewed as substitutes for the results
  determined to be in accordance with GAAP, nor are they necessarily comparable
  to non-GAAP performance measures that may be presented by other companies.
  The following table reconciles net interest margin on a fully tax equivalent
  basis to net interest margin for the periods presented: 32 Three Months Six
  Months Net interest margin Ended Ended June 30,
  June 30, 2009 2010 2011 2012 2013 (1) 2013 (1) Net interest margin 2.85%
  3.72% 3.75% 3.49% 3.33% 3.33% Plus: tax equivalent effect 0.12% 0.11% 0.15%
  0.24% 0.28% 0.27% Net interest margin, fully tax equivalent 2.97% 3.83% 3.90%
  3.73% 3.61% 3.60% (1) Annualized
Non-GAAP
  Disclosure Reconciliations (Continued) The following table presents a
  reconciliation of tangible common equity to common stockholders' equity (in
  thousands): 33 The following table presents a reconciliation of average
  tangible common equity to average common stockholders' equity (in thousands):
  The following table presents a reconciliation of net cash flow available to
  common stockholders to net income available to common stockholders (in
  thousands): $ 855,532 $ 833,218 $ 792,068 $ 740,760 $ 646,079 Tangible common
  equity 17,180 19,183 19,171 22,853 24,510 Less: other intangible, net of tax
  benefit 423,369 423,369 387,069 387,069
  387,069 Less: goodwill $ 1,296,081 $ 1,275,770 $ 1,198,308 $ 1,150,682 $ 1,057,658 Common stockholders' equity - as reported
  2013 2012 2011 2010 2009 June 30, December 31, $ 52,203 $ 26,293 $ 25,910 $ 22,956 $ 90,362 $ 31,996 $ 14,185 $ (33,505) Net cash flow available to
  common stockholders 2,004 1,000 1,004 813 3,257 3,682 4,039 2,919 net of tax
  Add: other intangible amortization expense, $ 50,199 $ 25,293 $ 24,906 $ 22,143 $ 87,105 $ 28,314 $ 10,146 $ (36,424) - as reported Net income
  available to common stockholders 2013 2013  2013 2012 2012 2011 2010 2009
  June 30, June 30, March 31, June 30, Ended Three Months Ended Six Months $ 847,712 $ 856,390 $ 838,941 $ 818,695 $ 831,147 $ 756,382 $ 724,966 $ 526,469
  Average tangible common equity 18,106 17,605 18,611 17,903 17,465 20,865
  23,154 18,971 Less: other intangible, net of tax benefit 423,369 423,369  423,369 387,069 387,168
  387,069 387,069  387,069
  Less: goodwill $ 1,289,187 $ 1,297,364 $ 1,280,921 $ 1,223,667 $1,235,780
  $1,164,316 $1,135,189 $ 932,509 - as reported Average common stockholders'
  equity 2013 2013  2013
  2012 2012 2011 2010 2009 June 30, June 30, March
  31, June 30, Ended Three Months Ended Six Months
Non-GAAP
  Disclosure Reconciliations (Continued) The following table presents a
  reconciliation of tangible assets to total assets (in thousands): 34 $ 8,929,110 $ 9,129,253 $ 9,426,832 $ 9,910,442 $ 10,453,814 Tangible assets
  17,180 19,183 19,171 22,853 24,510 Less: other intangible, net of tax benefit
  423,369 423,369 387,069 387,069
  387,069 Less: goodwill $ 9,369,659 $ 9,571,805 $ 9,833,072 $ 10,320,364 $ 10,865,393 Total assets - as reported 2013 2012 2011
  2010 2009 June 30, December 31,
Non-GAAP
  Disclosure Reconciliations (Continued) 35 Net Non-interest Expense to Average
  Assets Calculation (in thousands) Six Months Ended June 30, 2009 2010 2011
  2012 2013 Non-interest expense 223,750 $ 258,776 $ 269,633 $ 286,436 $ 143,367 $ Adjustment for FDIC special assessment 3,850 - - - - Adjustment for
  prepayment fees on interest bearing liabilities - - - 12,682 - Adjustment for
  impairment charges 4,000 - 1,594 2,190 - Adjustment for increase (decrease) in
  market value of assets held in trust for deferred compensation 710 562 (40)
  811 504 Non-interest expense - as adjusted 215,190 258,214 268,079 270,753
  142,863 Non-interest income 127,154 185,756 109,106 111,599 79,327 Less net
  gains on investment securities 14,029 18,648 640 555 13 Less net (losses)
  gains on sale of other assets (13) 630 283 (942) - Less net gain on sale of
  loans held for sale - - 1,790 - - Less net (losses) gains on other real
  estate owned (429) (9,284) (13,613) (17,594) 1,685 Less acquisition related
  gains 28,547 62,649 - - - Less increase (decrease) in market value of assets
  held in trust for deferred compensation 710 562 (40) 811 504 Non-interest
  income - as adjusted 84,310 112,551 120,046 128,769 77,125 Less tax
  equivalent adjustment on the increase in cash surrender value of life
  insurance 1,324 1,893 2,357 1,922 908 Net non-interest expense 129,556 $ 143,770 $ 145,676 $ 140,062 $ 64,830 $ Average assets 9,777,288 $ 10,506,028
  $ 9,956,133 $ 9,547,985 $ 9,369,042 $ Net non-interest expense to average
  assets 1.33% 1.37% 1.46% 1.47% 1.40%
Non-GAAP
  Disclosure Reconciliations (Continued) 36 Pre-Tax, Pre-Provision Operating
  Earnings (in thousands) Six Months Ended June 30, 2009 2010 2011 2012 2013
  (Loss) income before income taxes (77,844) $ 20,552 $ 43,996 $ 126,851 $ 70,625 $ Provision for credit losses 231,800 246,200 120,750 (8,900) 500
  Pre-tax, pre-provision earnings 153,956 266,752 164,746 117,951 71,125 Tax
  equivalent adjustment on tax-exempt interest income 10,625 10,458 13,188 20,429
  11,149 1,324 1,893 2,357 1,922 908 Pre-tax, pre-provision earnings on a fully
  tax equivalent basis 165,905 279,103 180,291 140,302 83,182 Non-core
  non-interest income Net (losses) gains on other real estate owned (429)
  (9,284) (13,613) (17,594) 1,685 Net gains on investment securities 14,029
  18,648 640 555 13 Net (loss) gain on sale of other assets (13) 630 283 (942)
  - Net gain on sale of loans held for sale - - 1,790 - - Acquisition related
  gains 28,547 62,649 - - - Increase (decrease) in market value of assets held
  in trust for deferred compensation 710 562 (40) 811 504 Total non-core
  non-interest income 42,844 73,205 (10,940) (17,170) 2,202 Non-core
  non-interest expense FDIC special assessment 3,850 - - - - Prepayment fees on
  interest bearing liabilities - - - 12,682 - Impairment charges 4,000 - 1,594
  2,190 - Increase (decrease) in market value of assets held in trust for
  deferred compensation 710 562 (40) 811 504 Total non-core non-interest
  expense 8,560 562 1,554 15,683 504 Pre-tax, pre-provision operating earnings
  131,621 $ 206,460 $ 192,785 $ 173,155 $ 81,484 $ Risk-weighted assets
  7,315,255 $ 6,772,762 $ 6,345,357 $ 6,373,564 $ 6,465,482 $ Annualized
  pre-tax, pre-provision operating earnings to risk-weighted assets 1.80% 3.05%
  3.04% 2.72% 2.55% Tax equivalent adjustment on the increase in cash surrender
  value of life insurance
Non-GAAP
  Disclosure Reconciliations (Continued) 37 Total revenue, fully tax equivalent
  reconciliation (in thousands) Six Months Ended June 30, March 31, June 30,
  June 30, 2009 2010 2011 2012 2012 2013 2013  2013 Net interest income
  250,552 $ 339,772 $ 325,273 $ 292,788 $ 74,104 $ 67,685 $ 67,480 $ 135,165 $ Plus: tax equivalent effect 10,625 10,458 13,188 20,429 5,057 5,555 5,594
  11,149 Net interest income, fully tax equivalent 261,177 350,230 338,461
  313,217 79,161 73,240 73,074 146,314 Core non-interest income 84,310 112,551
  120,046 128,769 29,539 38,221 38,904 77,125 Plus: tax equivalent adjustment
  on the increase in cash surrender value of life insurance 1,324 1,893 2,357
  1,922 468 454 454 908 Total revenues, fully tax
  equivalent 346,811 $ 464,674 $ 460,864 $ 443,908 $ 109,168 $ 111,915 $ 112,432 $ 224,347 $ Core non-interest income to revenues, fully tax
  equivalent 25% 25% 27% 29% 27% 35% 35% 34.78% Three Months Ended 2009 2010
  2011 2012 June 30, 2012 March 31, 2013 June 30, 2013 Three Months Ended Six
  Months Ended June 30, 2013 $127,154 $185,756 $109,106 $111,599 $23,907
  $38,373 $40,954 $79,327 14,029 18,648 640 555 (34) (1) 14 13 (13) 630 283
  (942) (8) - - - - - 1,790 - - - - (429) (9,284) (13,613) (17,594) (5,441)
  (330) 2,015 1,685 28,547 62,649 - - - - - - 710 562 (40) 811 (149) 483 21 504
  84,310 112,551 120,046 128,769 29,539 38,221 38,904 77,125 1,324 1,893 2,357
  1,922 468 454 454 908 $85,634 $114,444 $122,403 $130,691
  $30,007 $38,675 $39,358 $78,033 Non-interest income Less net gains on
  investment securities Less net (losses) gains on sale of other assets Less
  net gain on sale of loans held for sale Less net (losses) gains on other real
  estate owned Less acquisition related gains Less increase (decrease) in
  market value of assets held in trust for deferred compensation Total core
  non-interest income Plus tax equivalent adjustment on the increase in cash
  surrender value of life insurance Core non-interest income, fully tax
  equivalent
September 2013 NASDAQ: MBFI Investor
  Presentation
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
MB FINANCIAL, INC.
Date:   September 3, 2013
By:
/s/Jill   E. York
Jill   E. York
Vice   President and Chief Financial Officer
4