EXHIBIT 10.63
61 EAST VAN BUREN STREET
RETAIL LEASE
BY AND BETWEEN
BUCKINGHAM MASTER TENANT, LLC, an Illinois
limited liability company
(“LANDLORD”),
AND
MIDWEST BANK AND TRUST CO., an Illinois banking corporation
(“TENANT”)

 

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TABLE OF CONTENTS

                      Page
 
           
1.
  DEMISE AND TERM; BUILDING     3  
2.
  RENT     4  
3.
  USE AND OPERATION     8  
4.
  CONSTRUCTION OF BASE BUILDING; POSSESSION; “AS-IS” CONDITION OF PREMISES     9
 
5.
  BUILDING SERVICES     10  
6.
  RULES AND REGULATIONS     11  
7.
  CERTAIN RIGHTS RESERVED TO LANDLORD     12  
8.
  MAINTENANCE AND REPAIRS     12  
9.
  ALTERATIONS     13  
10.
  INTENTIONALLY OMITTED     14  
11.
  INSURANCE     14  
12.
  WAIVER AND INDEMNITY     15  
13.
  FIRE AND CASUALTY     16  
14.
  CONDEMNATION     17  
15.
  ASSIGNMENT AND SUBLETTING     17  
16.
  SURRENDER     18  
17.
  DEFAULTS AND REMEDIES     18  
18.
  HOLDING OVER     20  
19.
  SECURITY DEPOSIT     20  
20.
  SECURITY INTEREST     21  
21.
  ESTOPPEL CERTIFICATE     21  
22.
  SUBORDINATION     22  
23.
  QUIET ENJOYMENT     22  
24.
  BROKER     22  
25.
  NOTICES     22  
26.
  BASE BUILDING; TENANT IMPROVEMENTS     23  
27.
  MISCELLANEOUS     25  

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61 EAST VAN BUREN
RETAIL LEASE
     THIS RETAIL LEASE (“Lease”) is made this                      day of
___________________, 2008, (the “Execution Date”) between BUCKINGHAM MASTER
TENANT, LLC, an Illinois limited liability company (“Landlord”), and MIDWEST
BANK AND TRUST CO., an Illinois banking corporation (“Tenant”), for space in the
building located at the property legally described on Exhibit A attached hereto
and commonly known as 61 East Van Buren Street, Chicago, Illinois (such
building, together with the land upon which it is situated, being herein
referred to as the “Building”). The following schedule (the “Schedule”) sets
forth certain basic terms of this Lease:

         
1.
  Premises:   The ground floor retail space located on Van Buren Street and
shown on Exhibit A-1 attached hereto and designated as Space R-1 on the attached
retail floor plan.
 
       
2.
  Rentable Square Feet of the Premises:   4,665 Rentable Square Feet
 
       
3.
  Rentable Square Feet of the Building:   134,413 Rentable Square Feet
 
       
4.
  Annual Minimum Rent:   Year 1: $209,925.00
 
      Year 2: $214,123.50
 
      Year 3: $218,405.97
 
      Year 4: $222,774.08
 
      Year 5: $227,229.56
 
      Year 6: $231,774.15
 
      Year 7: $236,409.63
 
      Year 8: $241,137.82
 
      Year 9: $245,960.57
 
      Year 10: $250,879.78
 
       
 
      First Option Term:
 
       
 
      Year 1: $258,406.17
 
      Year 2: $266,158.35
 
      Year 3: $274,143.10
 
      Year 4: $282,367.39
 
      Year 5: $290,838.41
 
       
 
      Second Option Term:
 
       
 
      Year 1: $299,563.56
 
      Year 2: $308,550.46
 
      Year 3: $317,806.97

 

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      Year 4: $327,341.17
 
      Year 5: $337,161.40
 
       
5.
  Monthly Minimum Rent:   Year 1: $17,493.75
 
      Year 2: $17,843.63
 
      Year 3: $18,200.50
 
      Year 4: $18,564.51
 
      Year 5: $18,935.80
 
      Year 6: $19,314.51
 
      Year 7: $19,700.80
 
      Year 8: $20,094.82
 
      Year 9: $20,496.71
 
      Year 10: $21,906.65
 
       
 
      First Option Term:
 
       
 
      Year 1: $21,533.85
 
      Year 2: $22,179.86
 
      Year 3: $22,845.26
 
      Year 4: $23,530.62
 
      Year 5: $24,236.53
 
       
 
      Second Option Term:
 
       
 
      Year 1: $24,963.63
 
      Year 2: $25,712.54
 
      Year 3: $26,483.91
 
      Year 4: $27,278.43
 
      Year 5: $28,096.78
 
       
6.
  Tenant’s Exterior CAM Expenses:   Year 1: $3.25 per rentable square foot
 
    Year 2: $3.35 per rentable square foot
 
      Year 3: $3.45 per rentable square foot
 
      Year 4: $3.55 per rentable square foot
 
      Year 5: $3.66 per rentable square foot
 
      Year 6: $3.77 per rentable square foot
 
      Year 7: $3.88 per rentable square foot
 
      Year 8: $4.00 per rentable square foot
 
      Year 9: $4.12 per rentable square foot
 
      Year 10: $4.24 per rentable square foot

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      First Option Term:
 
       
 
      Year 1: $4.37 per rentable square foot
 
      Year 2: $4.50 per rentable square foot
 
      Year 3: $4.64 per rentable square foot
 
      Year 4: $4.78 per rentable square foot
 
      Year 5: $4.92 per rentable square foot
 
       
 
      Second Option Term:
 
       
 
      Year 1: $5.07 per rentable square foot
 
      Year 2: $5.22 per rentable square foot
 
      Year 3: $5.38 per rentable square foot
 
      Year 4: $5.54 per rentable square foot
 
      Year 5: $5.71 per rentable square foot
 
       
7.
  Tenant’s Proportionate Share of Taxes:   3.5%
 
       
8.
  Name of Business:   Midwest Bank and Trust Co., an Illinois banking
corporation
 
       
9.
  Use of Premises:   The establishment and operation of a retail banking
facility, and for all other purposes incidental to the operation of a retail
banking facility, and for no other purpose.
 
       
10.
  Radius:   One (1) mile.
 
       
11.
  Security Deposit:   Thirty Four Thousand Nine Hundred Eight Seven and 50/100
Dollars ($34,987.50).
 
       
12.
  Brokers:   Adam Secher and Allen Joffe of Baum Realty Group, LLC and John
Conerty of Studley Inc.
 
       
13.
  Commencement Date:   January 1, 2009
 
       
14.
  Expiration Date:   December 31, 2018
 
       
15.
  Option Terms:   Two (2) option terms of five (5) years each at the Annual
Minimum Rent and Monthly Minimum Rent as shown in Items 4 and 5 above of this
Schedule.
 
       
16.
  Guarantor:   Midwest Banc Holdings Inc., a(n) ______corporation. Concurrent
with Tenant’s

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      execution and delivery of this Lease, Tenant shall cause Guarantor to
execute and deliver a guaranty in favor of Landlord on a form reasonably
approved by Landlord.
 
       
17.
  Turnover Date:   As defined in Section 26.C. below.
 
       
18.
  Projected Turnover Date:   First business day following full mutual execution
of the Lease.
 
       
19.
  Workletter:   The Tenant Workletter Agreement attached hereto and incorporated
herein as Exhibit B.

     1. DEMISE AND TERM; BUILDING.
     A. Demise and Term. Landlord leases to Tenant and Tenant leases from
Landlord the premises (the “Premises”) described in Item 1 of the Schedule and
shown on Exhibit A-1 attached hereto, subject to the covenants and conditions
set forth in this Lease, for a term (the “Term”) commencing on (the
“Commencement Date”) and expiring on the date (the “Expiration Date”) described
in Item 14 of the Schedule, unless terminated earlier as otherwise provided in
this Lease.
     In the event that Landlord has not tendered possession of the Premises to
Tenant in the condition required by Section 26.A. on or before the Projected
Turnover Date, then Landlord shall not be liable or responsible for any claims,
damages or liabilities in connection therewith or by reason thereof, and the
Commencement Date shall not be affected thereby.
     B. Option to Extend. Subject to the terms of this Section 1.B, Tenant shall
have two (2) options to extend the Term for additional periods of five (5) years
each (together, the “Option Terms” and each an “Option Term”), such Option Terms
to begin upon the expiration of the Term, or the first option term (“First
Option Term”), as the case may be, on the same terms and conditions set forth
herein, except that (i) an Option Term, once exercised cannot be exercised
again, (ii) no Rent concessions, abatements, lease buyouts, tenant allowances or
limitations on tax or expense pass-throughs granted with respect to the Term
hereof shall be applicable to an Option Term, (iii) Annual Minimum Rent and
Monthly Minimum Rent for an Option Term shall be as set forth in Items 4 and 5
of the Schedule.
     If Tenant desires to extend the Term for an Option Term, Tenant shall
deliver written notice (“Extension Notice”) to Landlord to such effect no later
than nine (9) months prior to the expiration of the initial Term, or the First
Option Term, as the case may be, time being of the essence. If not so exercised,
Tenant’s option to extend shall thereupon automatically expire. Once Tenant
delivers the Extension Notice to the Landlord, as provided above, Tenant’s
election to extend the Term shall be irrevocable by Tenant.
     In order to exercise its option to extend, on the date that Tenant
exercises its option as well as on the date that the Option Term is to commence,
no event of default shall exist and no event shall exist which, by the giving of
notice or the passage of time, or both, would mature into a default.

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     C. Except to the extent provided herein, Landlord shall have no obligation
to construct any other buildings or improvements on the Land and shall have the
right to modify, alter and otherwise change the Building (including the design
and/or construction plans therefor), from time to time, in its sole discretion;
provided, however, any of Landlord’s modifications to the access to the Premises
shall not have a material, adverse and permanent effect on the conduct of
Tenant’s business in the normal course. In the event of any changes to the
initial design of the Base Building from that contemplated as of the Execution
Date, such that the Rentable Square Feet of the Premises and/or the Rentable
Square Feet of the Building changes from that set forth herein, then, in such
case, Landlord’s architect shall certify the new Rentable Square Feet
calculations to Landlord and Tenant and the parties shall enter into an
amendment (or amendment and restatement) of this Lease making the appropriate
changes corresponding to such modified calculations (including, without
limitation, changes to the “Minimum Rent”, and the “Landlord’s Contribution”, as
such terms are defined in this Lease and/or the Workletter, and any other
amounts expressly set forth herein as being determined based on a stated rate
per rentable square foot). There shall be no change to the Landlord’s Work (as
defined in Section 26.A) after the Execution Date.
     2. RENT.
     A. Definitions. For purposes of this Lease, the following terms shall have
the following meanings:
     (i) “Exterior Common Areas” shall mean the areas of the Building (and
exterior portions of the Building) which are designated by Landlord for use in
common by the retail and other tenants of the Building, their respective
employees, agents, customers and invitees, and includes, by way of illustration
and not limitation, entrances and exits, private and public sidewalks,
driveways, landscaped areas and other areas as may be designated by Landlord as
part of the Exterior Common Areas. Landlord reserves the right to modify, alter
and otherwise change the Exterior Common Areas from time to time in its sole
discretion, subject to any limitations expressly set forth in this Lease,
including the limitation in Section 1.C above. By execution of this Lease,
Tenant hereby acknowledges that the residential occupants of the Building and
their invitees shall be permitted to have access to the Exterior Common Areas,
as and to the extent permitted by the Landlord from time to time.
     (ii) “Tenant’s Exterior CAM Expenses” shall mean all expenses, costs and
disbursements (other than Taxes) paid or incurred by Landlord in connection with
the ownership, management, maintenance, operation, replacement and repair of the
Common Areas of the Building. Tenant’s Exterior CAM Expenses shall not include:
(a) costs of tenant alterations; (b) costs of capital improvements (except for
costs of any capital improvements made or installed for the purpose of reducing
Expenses or made or installed pursuant to governmental requirement or insurance
requirement, which costs shall be amortized by Landlord in accordance with sound
accounting and management principles); (c) interest and principal payments on
mortgages (except interest on the cost of any capital improvements for which
amortization may be included in the definition of Tenant’s Exterior CAM
Expenses) or any rental payments on any ground leases (except for rental
payments which

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constitute reimbursement for Taxes and Tenant’s Exterior CAM Expenses); (d)
advertising expenses and leasing commissions; (e) any cost or expenditure for
which Landlord is reimbursed, whether by insurance proceeds or otherwise, except
through Adjustment Rent (hereinafter defined); (f) legal expenses of negotiating
leases; and (g) salaries and fringe benefits of employees above the grade of
building manager. Tenant’s Exterior CAM Expenses shall be determined on a cash
or accrual basis, as Landlord may elect.
     (iii) “Rent” shall mean Minimum Rent, Adjustment Rent and any other sums or
charges due by Tenant hereunder.
     (iv) “Taxes” shall mean all taxes, assessments, special assessments and
fees levied upon the Building, the property of Landlord located therein or the
rents collected therefrom, by any governmental entity based upon the ownership,
leasing, renting or operation of the Building, including all costs and expenses
of protesting any such taxes, assessments or fees and shall also include
Landlord’s reasonable legal or other professional fees incurred in connection
with any successful appeal by Landlord for a real estate tax reduction for the
Building. Taxes shall not include any net income, capital stock, succession,
transfer, franchise, gift, estate or inheritance taxes; provided, however, if at
any time during the Term, a tax or excise on income is levied or assessed by any
governmental entity, in lieu of or as a substitute for, in whole or in part,
real estate taxes or other ad valorem taxes, such tax shall constitute and be
included in Taxes. For the purpose of determining Taxes for any given year, the
amount to be included for such year (a) from special assessments payable in
installments shall be the amount of the installments (and any interest) due and
payable during such year, and (b) from all other Taxes shall be the amount due
and payable in such year.
     (v) “Tenant’s Proportionate Share of Taxes” shall mean 3.5%, determined by
dividing the Rentable Square Feet in the Premises (4,665 square feet) by the
Rentable Square Feet of the Building (134,413 square feet). If at any time
during the Term Landlord elects to sell only the residential portion of the
Building, and a separate tax parcel is thereafter established for the retail
portion of the Building, then Tenant’s Proportionate Share of Taxes shall be
determined by dividing the Rentable Square Feet in the Premises by the Rentable
Square Feet in the retail portion of the Building (which shall include a fair
allocation of the Common Areas which serve or benefit the retail portion of the
Building to such an extent as Landlord, in its reasonable discretion, deems to
be equitable and fair in view of the relative level of benefits).
     B. Components of Rent. Tenant agrees to pay the following amounts to
Landlord at the office of the Building or at such other place as Landlord
designates:
     (i) Annual minimum rent (“Minimum Rent”) in the amounts set forth in Item 5
of the Schedule to be paid in monthly installments in the amount set forth in
Item 6 of the Schedule in advance on or before the first day of each month of
the Term, except that Tenant shall pay the first month’s Minimum Rent upon the
Commencement Date.

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     (ii) Adjustment rent (“Adjustment Rent”) in an amount equal to Tenant’s
Proportionate Share of the Taxes for each calendar or tax year. Prior to each
calendar year or as soon thereafter as is reasonably possible, Landlord shall
estimate the amount of Adjustment Rent due for such year and notify Tenant of
such estimate, and Tenant shall pay Landlord one-twelfth of such estimate on the
first day of each month during such year. Until such time as Landlord furnishes
an estimate of Adjustment Rent for a calendar year, Tenant shall continue to pay
to Landlord a monthly estimated payment on account of Adjustment Rent on the
first day of each month during such year equal to the latest monthly estimated
payment due for the preceding calendar year. The estimate of Adjustment Rent for
any calendar year may be revised by Landlord whenever it obtains information
relevant to making such estimate more accurate. On or before the first day of
the next calendar month following Landlord’s service of a notice of estimated
Adjustment Rent, and on or before the first month thereafter, Tenant shall pay
to Landlord one-twelfth of the estimated Adjustment Rent shown in such notice.
Within thirty (30) days following Landlord’s service of a notice of estimated
Adjustment Rent, Tenant shall also pay to Landlord a lump sum equal to the
estimated Adjustment Rent shown in such notice less (1) any previous payment on
account of Adjustment Rent made during such calendar year and (2) the estimated
monthly payments on account of Adjustment Rent due for the remainder of such
calendar year. After the end of each calendar year, Landlord shall deliver to
Tenant a report setting forth the actual Taxes for such calendar year and a
statement of the amount of Adjustment Rent that Tenant has paid and is payable
for such year. Within thirty days after receipt of such report, Tenant shall pay
to Landlord the amount of Adjustment Rent due for such calendar year minus any
payments of Adjustment Rent made by Tenant for such year. If Tenant’s estimated
payments of Adjustment Rent exceed the amount due Landlord for such calendar
year, Landlord shall apply such excess as a credit against Tenant’s other
obligations under this Lease or promptly refund such excess to Tenant if the
Term has already expired, provided Tenant is not then in default hereunder, in
either case without interest to Tenant.
     (iii) Tenant’s Exterior CAM Expenses in the amount set forth in Item 6 of
the Schedule to be paid in monthly installments on or before the first day of
each month of the Term (and the Option Term(s), if applicable). Tenant’s
obligation to pay Tenant’s Exterior CAM Expenses shall not deviate from the
amounts set forth in Item 6 of the Schedule regardless of the actual costs
thereof incurred by Landlord from year to year.
     C. Payment of Rent. The following provisions shall govern the payment of
Rent: (i) if this Lease commences or ends on a day other than the first day or
last day of a calendar year, respectively, the Rent for the year in which this
Lease so begins or ends, shall be prorated and the monthly installments shall be
adjusted accordingly; (ii) all Rent shall be paid to Landlord without offset or
deduction, and the covenant to pay Rent shall be independent of every other
covenant in this Lease; (iii) if during all or any portion of any year the
Building is not fully rented and occupied, Landlord may elect to make an
appropriate adjustment of Taxes for such year to determine the Taxes that would
have been paid or incurred by Landlord had the Building been fully rented and
occupied for the entire year and the amount so determined shall be deemed to
have been the Taxes for such year; (iv) any sum due from Tenant to Landlord
which is not paid when due shall bear interest from the date due until the date
paid at the annual rate of two (2) percentage points above the rate then most
recently announced by JPMorgan Chase Bank,

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NA as its corporate base lending rate, from time to time in effect, but in no
event higher than the maximum rate permitted by law (the “Default Rate”) and, in
addition Tenant shall pay Landlord a late charge for any Rent payment which is
paid more than five days after its due date equal to five percent of such
payment; (v) if changes are made to this Lease or the Building changing the
number of rentable square feet contained in the Premises or in the Building,
Landlord shall make an appropriate adjustment to Tenant’s Proportionate Share;
(vi) Tenant shall have the right to inspect Landlord’s accounting records
relative to Tenant’s Exterior CAM Expenses and Taxes during normal business
hours at any time within thirty days following the furnishing to Tenant of the
annual statement of Adjustment Rent as it relates to the Taxes covered in such
statement, and unless Tenant shall take written exception to any item in any
such statement within such thirty (30) day period, such statement shall be
considered as final and accepted by Tenant; (vii) in the event of the
termination of this Lease prior to the determination of any Adjustment Rent,
Tenant’s agreement to pay any such sums and Landlord’s obligation to refund any
such sums (provided Tenant is not in default hereunder) shall survive the
termination of this Lease; (viii) no adjustment to Taxes by virtue of the
operation of the rent adjustment provisions in this Lease shall result in the
payment by Tenant in any year of less than the Minimum Rent shown on the
Schedule; (ix) Landlord may at any time change the fiscal year of the Building;
(x) each amount owed to Landlord under this Lease for which the date of payment
is not expressly fixed shall be due on the same date as the Rent listed on the
statement showing such amount is due; (xi) if Landlord fails to give Tenant an
estimate of Adjustment Rent prior to the beginning of any calendar year, Tenant
shall continue to pay Adjustment Rent at the rate for the previous calendar year
until Landlord delivers such estimate.
     3. USE AND OPERATION.
     A. Limitation On Use. Tenant agrees that it shall occupy and use the
Premises only under the name set forth in Item 8 of the Schedule and only for
the retail business set forth in Item 9 of the Schedule and will not use any
other name or conduct any other business on the Premises. Tenant agrees that it
will conduct such business in the same manner as is typically conducted by
similar banks in the downtown Chicago area.
     B. Tenant’s Operating Covenants. Tenant agrees to open the Premises as a
fully fixtured retail banking facility, fully staffed and ready to operate
continuously in accordance with this Lease, no later than March 31, 2009 (the
“Required Opening Date”), and to continuously use and occupy the entire Premises
for the business set forth above and under the name permitted hereunder during
the entire Term. In furtherance thereof, Tenant agrees to keep the Premises
fully fixtured and staffed with sufficient professional personnel to assure
successful operation of the business. Tenant shall keep the Premises open for
business at least during Retail Hours (as hereinafter defined) except when
prevented from doing so by strikes, fires, casualties and other causes beyond
Tenant’s reasonable control and except that Tenant may, following reasonable
notice to Landlord, discontinue or suspend operation of the business for not
more than two (2) weeks on any occasion in order to renovate or remodel the
Premises, but may not do so more than once during any five (5) year period
during the Term. In addition, Tenant shall keep its store front lighted during
such other hours as Landlord may prescribe pursuant to a signage and lighting
plan submitted by Tenant and approved in writing by Landlord. Tenant shall
provide, within the Premises, adequate employee areas and other special areas
necessary for the proper conduct of Tenant’s business, but shall use for such
purposes and for office or other non-banking

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purposes only such space as is reasonably required for the conduct by Tenant of
the permitted use in the Premises. As used in this Lease, the term “Retail
Hours” means daily from 8:00 a.m. to 5:00 p.m. Monday through Friday, holidays
excepted.
     C. Specific Nature of Tenant’s Business. Tenant agrees to operate a
full-service retail banking facility in the Premises which at all times shall
meet the highest standards of cleanliness, maintenance and decor, so that the
retail banking facility will be commensurate with the quality of other
first-class retail banking facilities in the City of Chicago. Tenant understands
that Tenant’s agreement to the foregoing is a material inducement to Landlord to
enter into this Lease.
     All displays of merchandise and promotions in the Premises shall be in
keeping, as reasonably determined by Landlord, with the character and quality of
the retail banking facility contemplated by this Lease and the character and
quality of the Building. Tenant shall provide, within the Premises, adequate
customer waiting areas and shall not use the Building lobby as a waiting area
for customers without Landlord’s prior written approval. Notwithstanding the
foregoing, Tenant shall neither be required nor be permitted to make any changes
or alterations to the exterior of the Building.
     D. Premises Entrance; Building Lobby. Tenant shall maintain an entrance to
the Premises at Van Buren Street and at the rear of the Premises. The entrance
on Van Buren Street shall be the primary entrance to the Premises for Tenant’s
invitees and customers and the entrance at the rear of the Premises shall be the
primary entrance for Tenant’s employees, contractors and agents. All deliveries
to the Premises shall be coordinated with the Building manager and made only
from the rear entrance to the Premises. Tenant shall maintain and heat a
vestibule entrance on Van Buren Street.
     E. Signs. Tenant shall not install any signs or lettering or place any
other advertising materials on the exterior surface of the Building or Premises
or elsewhere outside the Premises or inside the Premises without the prior
written consent of Landlord, which may be granted or withheld in Landlord’s sole
discretion. All lettering, signs and other advertising materials in the Premises
which are visible from outside of the Premises or Building or from the Building
lobby shall be subject to Landlord’s prior written approval (to be granted or
withheld in Landlord’s reasonable discretion) of their size, design and number
and, in any event, consistent with the signage requirements set forth on
Exhibit C to this Lease. All lettering, signs and other advertising materials in
the Premises, whether or not visible from the outside of the Premises, shall be
consistent with first-class retail operations and, in any event, consistent with
the signage requirements set forth on Exhibit C to this Lease. Tenant accepts
and understands that the Building is a registered landmark of the City of
Chicago and is on the National Register of Historic Places. Accordingly, Tenant
agrees that its right to install signage consistent with the design of its other
branch banks is subject to the review, approval, and permitting of Landmarks
Illinois and the City of Chicago and any other applicable state or national
agencies with jurisdiction over the Building’s landmark status. After initial
installation of any signage, Tenant may not without Landlord’s consent change
its signage to conform to changes in its company sign program. Landlord will be
reasonable in its review and approval of such changes in signage so long as such
signage is consistent in size, design and quality with Tenant’s initial signage
and

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such signage remains in accordance with all City, State or Federal requirements
and applicable codes applying to historic landmark structures.
     F. Compliance with Laws. Tenant shall comply with all federal, state and
municipal laws, ordinances, rules and regulations (including, without
limitation, the Chicago Clean Indoor Air Ordinance of 2005) and all covenants,
conditions and restrictions of record which relate to the condition, use or
occupancy of the Premises. Without limiting the foregoing, Tenant shall not
cause, nor permit, any hazardous or toxic substances to be brought upon,
produced, stored, used, discharged or disposed of in, on or about the Premises
except (i) with the prior written consent of Landlord, or (ii) as to small
amounts used in the ordinary course of Tenant’s business (e.g., printing
supplies), and in either case only in compliance with all applicable
environmental laws. In addition, Tenant shall not use the Premises for any
unlawful, disreputable, immoral or unethical purpose, nor shall Tenant do
anything which would injure the reputation of the Building.
     4. CONSTRUCTION OF BASE BUILDING; POSSESSION; “AS-IS” CONDITION OF
PREMISES.
     A. Construction of Base Building. Landlord will perform, or cause to be
performed, the Landlord’s Work (as defined in Section 26 hereof). Landlord shall
perform such work in accordance with the terms of said Section 26. Upon the
Turnover Date, at Landlord’s request, Landlord and Tenant shall enter into a
written agreement containing Tenant’s acknowledgment that the “Substantial
Completion” requirements set forth in said Section 26 have been met.
     B. Condition of Premises; As-Is. Tenant’s taking possession of the Premises
shall be conclusive evidence that the Premises were in good order and
satisfactory condition when Tenant took possession. Except for Landlord’s
obligation to perform the Landlord’s Work as set forth in accordance with the
terms of Section 26 hereof, Tenant shall accept the Premises and the Building
“as is”. Tenant hereby acknowledges that Landlord has made no agreement to
alter, remodel, decorate, clean or improve the Premises or the Building (or to
provide Tenant with any credit or allowance for the same), and no representation
regarding the condition of the Premises or the Building have been made by or on
behalf of Landlord or relied upon by Tenant, except as expressly stated herein
or in the Workletter, and except for Landlord’s obligation to perform the
Landlord’s Work as set forth in, and in accordance with the terms of, Section 26
hereof. Landlord acknowledges and agrees that as of the Turnover Date, to the
best of Landlord’s knowledge, the exterior of the Premises and of the Building
and the Building systems are in good working order, condition and repair and in
compliance with applicable laws. Further, Landlord will indemnify, hold harmless
and reimburse Tenant from and against any and all fines and reasonable direct
remedial costs and expenses (including reasonable legal expenses and
consultants’ fees) that Tenant may incur due to a clean up, abatement, removal,
or other remedial response required of Tenant by an appropriate governmental
authority resulting from or caused by any asbestos being on or about the
Premises on the Turnover Date.

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     5. BUILDING SERVICES.
     A. HVAC. Tenant shall install at its own cost and expense such heating,
ventilating, air conditioning and exhaust facilities in the Premises as shall be
required for the conduct of its business in the Premises. If Tenant fails to
install adequate facilities for such purposes and such failure adversely affects
the operation of the Base Building heating, ventilating and air conditioning
“HVAC”) system, Landlord may install supplementary facilities in the Premises
or, at Landlord’s option, elsewhere in the Building, and Tenant shall pay the
cost of installation, operation and maintenance thereof. In addition, if Tenant
fails to install adequate heating, ventilating, air conditioning and exhaust
facilities for the conduct of Tenant’s business in the Premises and such failure
adversely affects the operation of the Base Building heating, ventilating and
air conditioning system Landlord may make such modifications to the Base
Building heating, ventilating and air conditioning system (as distinguished from
supplementary facilities installed by Landlord or Tenant pursuant to the
preceding provisions of this Section) as are required for the conduct of
Tenant’s business in the Premises, and Tenant shall pay the actual cost thereof.
If Tenant does install HVAC facilities for the purposes described above, and, as
a result thereof, needs to connect to Landlord’s tempered water system, Tenant
shall be required to pay the cost and associated costs to shut down and restart
the Building system(s) to allow Tenant to hook up Tenant’s HVAC equipment and,
in addition, shall be required to pay Landlord a monthly usage fee for the
tempered water used by Tenant for the operation of Tenant’s HVAC equipment to be
connected to Landlord’s tempered water loop. The monthly usage fee for Tenant’s
use of such tempered water shall be equitably calculated on a square footage
basis or by such other reasonable and consistent method that reflects Landlord’s
costs therefor. All such fees shall be payable by Tenant to Landlord as
Additional Rent in accordance with this Lease. In no event shall Tenant be
entitled to use more than its proportionate share of the Building’s excess
tempered water capacity. The size and design of the HVAC facilities, the manner
in which the HVAC facilities will be vented and access outside air, if
applicable, or the manner in which Tenant connects to Landlord’s tempered water
system, including, without limitation, the routing of any water lines, shall be
subject to Landlord’s prior reasonable written approval. Tenant shall be
responsible, at its cost, for maintaining and repairing the HVAC facilities in
the Premises to the reasonable satisfaction of Landlord. Landlord agrees to
maintain the Base Building heating, venting, and air conditioning system in good
working order.
     B. Water. In addition to and separate from the tempered water for Tenant’s
use in heating and cooling the Premises in accordance with Section 5.A above,
Landlord shall furnish domestic cold water to the Premises from the regular
Building outlets. Water lines shall be stubbed to the Premises at Landlord’s
expense. Landlord shall separately charge (and separately meter, if possible)
Tenant for domestic cold water and sewer services used in the Premises based on
metered usage.
     C. Electricity. Landlord has caused the Premises to be separately metered
for electrical use. Electricity shall be distributed to the Premises by the
electric utility company serving the Building; and Landlord shall permit
Landlord’s conduits, which shall be stubbed to the Premises, to the extent
suitable and safely capable, to be used for such distribution. Tenant at its
cost shall make all necessary arrangements with the electric utility company for
metering and paying for electric current furnished to the Premises (including,
without limitation, all arrangements for, at Tenant’s expense, electrical
wiring, distribution panels and all of Tenant’s

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installed heating and air conditioning equipment). From and after the Turnover
Date, all electricity and water used during the making of any alterations or
repairs in the Premises or the operation of any special heating or air
conditioning systems (referred to as the “heat pump system” by Landlord) serving
the Premises shall be paid for by Tenant.
     D. Telephones. Tenant shall arrange for telephone service directly with one
or more of the public telephone companies servicing the Building and shall be
solely responsible for paying for such telephone service. If Landlord has or at
any time acquires ownership of the telephone cables in the Building, Landlord
shall permit Tenant to connect to such cables on such terms and conditions as
Landlord may reasonably prescribe. In no event does Landlord make any
representation or warranty with respect to telephone service in the Building,
and Landlord shall have no liability with respect thereto. Subject to the
provisions of Sections 9, 11 and 12 of this Lease, Landlord agrees to provide
Tenant and Tenant’s contractors reasonable, monitored access to the Building
telephone and communications closets or service areas for the purposes of
establishing Tenant’s communications services.
     E. Additional Services. Landlord shall not be obligated to furnish any
services other than those stated above. If Tenant requests services in addition
to those stated above and Landlord elects to furnish such additional services,
Tenant shall pay Landlord’s then prevailing charges for such additional
services. If Tenant shall fail to make any such payment, Landlord may, without
notice to Tenant and in addition to all other remedies available to Landlord,
discontinue such additional services. No discontinuance of any such additional
service shall result in any liability of Landlord to Tenant or be considered as
an eviction or a disturbance of Tenant’s use of the Premises. Tenant may request
to participate in Landlord’s satellite television system for an additional fee
for such services. Tenant may also use another television signal provider, but
only upon prior written approval from Landlord.
     F. Failure or Delay in Furnishing Services. Landlord’s failure to furnish,
or any interruption, diminishment or termination of services due to the
application of laws, the failure of any equipment, the performance of
maintenance, repairs, improvements or alterations, utility interruptions or the
occurrence of an event of force majeure (defined in Section 27.J) (collectively
a “Service Failure”) shall not render Landlord liable to Tenant, constitute a
constructive eviction of Tenant, give rise to an abatement of Rent, nor relieve
Tenant from the obligation to fulfill any covenant or agreement. However, if the
Premises, or a material portion of the Premises, are made untenantable for a
period in excess of 5 consecutive Business Days as a result of a Service Failure
that is reasonably within the control of Landlord to correct, then Tenant, as
its sole remedy, shall be entitled to receive an abatement of Rent payable
hereunder during the period beginning on the 6th consecutive Business Day of the
Service Failure and ending on the day the service has been restored. If the
entire Premises have not been rendered untenantable by the Service Failure, the
amount of abatement shall be equitably prorated.
     6. RULES AND REGULATIONS. Tenant shall observe and comply, and shall cause
its subtenants, assignees, invitees, customers, employees, contractors and
agents to observe and comply, with the rules and regulations listed on Exhibit D
attached hereto and with such reasonable modifications and additions thereto as
Landlord may make from time to time. Landlord shall not be liable for failure of
any person to obey such rules and regulations. Landlord shall not be obligated
to enforce such rules and regulations against any person, and the

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failure of Landlord to enforce any such rules and regulations shall not
constitute a waiver thereof or relieve Tenant from compliance therewith.
     7. CERTAIN RIGHTS RESERVED TO LANDLORD. Landlord reserves the following
rights, each of which Landlord may exercise without notice to Tenant and without
liability to Tenant, and the exercise of any such rights shall not be deemed to
constitute an eviction or disturbance of Tenant’s use or possession of the
Premises and shall not give rise to any claim for set-off or abatement of rent
or any other claim: (a) to change the name or street address of the Building;
(b) to install, affix and maintain any and all signs on the exterior or interior
of the Building; (c) to make repairs, decorations, alterations, additions, or
improvements, whether structural or otherwise, in and about the Building, and
for such purposes to enter upon the Premises, temporarily close doors, corridors
and other areas in the Building and interrupt or temporarily suspend services or
use of Exterior Common Areas and other common areas of the Building, and Tenant
agrees to pay Landlord for overtime and similar expenses incurred if such work
is done other than during ordinary business hours, at Tenant’s request; (d)
[intentionally omitted]; (e) to grant to any person or to reserve unto itself
the exclusive right to conduct any business or render any service in the
Building, as long as such right does not preclude Tenant from using the Premises
for the purpose stated in Item 9 of the Schedule; (f) to show or inspect the
Premises at reasonable times and, if vacated or abandoned, to prepare the
Premises for reoccupancy; (g) to install, use and maintain in and through the
Premises pipes, conduits, wires and ducts serving the Building, provided that
such installation, use and maintenance does not unreasonably interfere with
Tenant’s use of the Premises; (h) to adopt and record easements, reciprocal
easement agreements and/or declarations of covenants, conditions and
restrictions (whether related to the conversion of all or part of the Building
to condominium ownership or otherwise) (collectively, the “CC&R’s”), and this
Lease shall be at all times subject and subordinate in all respects to such
CC&R’s and any and all liens and other rights arising therefrom; and (i) to take
any other action which Landlord deems reasonable in connection with the
operation, maintenance, management or preservation of the Building.
     8. MAINTENANCE AND REPAIRS.
     A. Tenant’s Maintenance. Tenant, at its expense, shall keep and maintain in
first-class order, condition and repair, at all times during the Term, the
Premises and every part thereof. Without limiting the foregoing, Tenant shall:
(i) keep the storefronts, entry doors and the interior of the Premises in
first-class condition and repair, and decorated in a first-class manner;
(ii) keep in first-class condition and repair (and replace as necessary) all
equipment, facilities and fixtures (including banking and teller equipment,
hardware, electrical, plumbing and heating, ventilating and air conditioning
facilities) located in or exclusively serving the Premises; (iii) repair (or
replace as necessary) all damaged or broken plate glass in perimeter windows or
within the Premises; (iv) cause an inspection, cleaning and repairing of
Tenant’s fire prevention systems and equipment to be performed by a reputable
contractor not less than annually, and more often as may be required by any
local governmental codes, regulations or officials, insurance requirements or
applicable industry standards, and provide Landlord upon request from time to
time during the Term with documentary evidence of the performance of such
inspections; (v) perform all cleaning and janitorial work in the Premises to
keep the Premises clean, healthy, and in an attractive appearance, including,
without limitation, cleaning on a weekly basis (or more frequently, if
necessary), the interior and exterior surfaces of the

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exterior windows and storefronts of the Premises (and, if applicable, the
interior and exterior surfaces of the glass comprising Tenant’s storefront
located in the lobby of the Building); and (vi) remove all garbage, trash,
rubbish and other refuse from the Premises on a daily basis, which removal shall
be accomplished by Tenant in such manner and at such times as may be approved in
advance by the Building manager) to the Building’s retail trash area. Tenant
shall contract separately with, and use, the same garbage disposal vendor that
Landlord utilizes with respect to waste from the balance of the Building.
     B. In addition, without limiting the foregoing, Tenant shall cause
extermination services to be provided to the Premises by a reputable
exterminator on a monthly basis throughout the Term, or more often as Landlord
may in Landlord’s reasonable discretion require, at Tenant’s expense.
     Without limiting any of the foregoing, Tenant shall obtain and maintain a
service and maintenance contract covering the heating, ventilating and air
conditioning system serving the Premises with a reputable contractor approved by
Landlord and a scope of services satisfactory to Landlord, and shall pay all
charges under such contract when due.
     Within fifteen (15) days after Landlord’s request therefor at any time
during the Term, Tenant shall furnish Landlord copies of all HVAC, maintenance
and extermination contracts in effect with respect to the Premises. Tenant shall
also, within fifteen (15) days of Landlord’s request therefor, provide evidence
to Landlord of payment for services performed under such contracts.
     All services to the Premises shall be provided by a contractor or
contractors reasonably satisfactory to Landlord, having good labor relations and
capable of working in harmony with contractors retained by Landlord and by other
tenants of the Building to provide services to or perform work in the Building.
     C. Landlord’s Maintenance. Subject to Section 8A above, Landlord shall
perform any maintenance or make any repairs to the Building as Landlord shall
deem necessary for the safety, operation or preservation of the Building, or as
Landlord may be required or requested to do by the City of Chicago or by order
or decree of any court or by any other proper authority, and shall maintain the
structural components and the Exterior Common Areas and facilities of the
Building as reasonably necessary and expected for first-class residential
buildings (containing retail components therein) in downtown Chicago, to the
extent that failure to do so would materially adversely affect Tenant’s use and
occupancy of the Premises. Tenant shall reimburse Landlord for the cost of any
such repairs to the Building necessitated by the acts or omissions of Tenant,
its subtenants, assignees, invitees, customers, employees, contractors and
agents.
     9. ALTERATIONS.
     A. Requirements. Tenant shall not make any replacement, alteration,
improvement or addition to or removal from the Premises (collectively an
“alteration”) without the prior written consent of Landlord, which consent will
not be unreasonably withheld. In the event Tenant proposes to make any
alteration, Tenant shall, prior to commencing such alteration,

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submit to Landlord for prior written approval: (i) detailed plans and
specifications; (ii) sworn statements, including the names, addresses and copies
of contracts for all contractors; (iii) all necessary permits evidencing
compliance with all applicable governmental rules, regulations and requirements;
(iv) certificates of insurance in form and amounts required by Landlord, naming
Landlord and any other parties designated by Landlord as additional insureds;
and (v) all other documents and information as Landlord may reasonably request
in connection with such alteration. Tenant agrees to pay Landlord’s standard
charges for review of all such items and supervision of the alteration. Neither
approval of the plans and specifications nor supervision of the alteration by
Landlord shall constitute a representation or warranty by Landlord as to the
accuracy, adequacy, sufficiency or propriety of such plans and specifications or
the quality of workmanship or the compliance of such alteration with applicable
law. Tenant shall pay the entire cost of the alteration and, if requested by
Landlord, shall deposit with Landlord, prior to the commencement of the
alteration, security for the payment and completion of the alteration in form
and amount required by Landlord. Each alteration shall be performed in a good
and workmanlike manner, in accordance with the plans and specifications approved
by Landlord, and shall meet or exceed the standards for construction and quality
of materials established by Landlord for the Building. In addition, each
alteration shall be performed in compliance with all applicable governmental and
insurance company laws, regulations and requirements. Each alteration shall be
performed by union contractors if required by Landlord and in harmony with
Landlord’s employees, contractors and other tenants. Each alteration, whether
temporary or permanent in character, made by Landlord or Tenant in or upon the
Premises (excepting only Tenant’s furniture, equipment and trade fixtures) shall
become Landlord’s property and shall remain upon the Premises at the expiration
or termination of this Lease without compensation to Tenant, provided, however
that Landlord shall have the right to require Tenant to remove any such
alteration (other than Tenant’s Work described in Exhibit B) at Tenant’s sole
cost and expense in accordance with the provisions of Section 16 of this Lease.
     B. Liens. Upon completion of any alteration, Tenant shall promptly furnish
Landlord with sworn owner’s and contractors’ statements and full and final
waivers of lien covering all labor and materials included in such alteration.
Tenant shall not permit any mechanic’s lien to be filed against the Building, or
any part thereof, arising out of any alteration performed, or alleged to have
been performed, by or on behalf of Tenant. If any such lien is filed, Tenant
shall within ten (10) business days after receipt of notice of the filing
thereof (or within such additional period of time as is reasonably necessary if
Tenant proceeds with diligence), have such lien released of record or deliver to
Landlord a bond in form, amount, and issued by a surety satisfactory to
Landlord, indemnifying Landlord against all costs and liabilities resulting from
such lien and the foreclosure or attempted foreclosure thereof. If Tenant fails
to have such lien so released or to deliver such bond to Landlord, Landlord,
without investigating the validity of such lien, may pay or discharge the same;
and Tenant shall reimburse Landlord upon demand for the amount so paid by
Landlord, including Landlord’s expenses and attorneys’ fees.
     10. INTENTIONALLY OMITTED.
     11. INSURANCE.

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     A. Tenant’s Insurance. Tenant, at its expense, shall maintain at all times
during the Term the following insurance policies: (a) fire insurance, including
extended coverage, vandalism, malicious mischief, sprinkler leakage and water
damage coverage and demolition and debris removal, insuring the full replacement
cost of all improvements, alterations or additions to the Premises, and all
other property owned or used by Tenant and located in the Premises;
(b) commercial general liability insurance, contractual liability insurance and
property damage insurance with respect to the Building and the Premises, with
limits to be set by Landlord from time to time but in any event not less than
$2,000,000.00 combined single limit for personal injury, sickness or death or
for damage to or destruction of property for any one occurrence; (c) plate glass
insurance in an amount equal to the replacement cost of all plate glass located
in or on the Premises; (d) worker’s compensation insurance in an amount not less
than maximum statutory limits of recovery and employer’s liability insurance in
an amount not less than the statutory requirement; and (e) insurance against
such other risks and in such other amounts as Landlord or its insurer may from
time to time require, so long as such types or amounts of insurance are
customarily required by owners of buildings comparable to the Building in
downtown Chicago. The form of all such policies and deductibles thereunder shall
be subject to the prior approval of Landlord and its insurance providers. All
such policies shall be issued by insurers acceptable to Landlord and licensed to
do business in the State of Illinois and shall contain a waiver of any rights of
subrogation thereunder. In addition, except for worker’s compensation insurance,
the policies shall name Landlord and any other parties designated by Landlord as
additional insureds, shall require at least thirty days’ prior written notice to
Landlord of termination or modification and shall be primary and not
contributory. Tenant shall, at least thirty (30) days prior to taking possession
of the Premises, and within thirty (30) days prior to the expiration of each
such policy, deliver to Landlord certificates evidencing the foregoing insurance
or renewal thereof, as the case may be.
     B. Landlord’s Insurance. Landlord shall maintain at all times during the
Term such property and liability insurance as is from time to time customarily
carried by prudent landlords of comparative residential apartment buildings
(containing ancillary retail establishments therein) in downtown Chicago.
     12. WAIVER AND INDEMNITY.
     A. Tenant’s Waiver. Tenant releases Landlord and its partners, managers,
members, agents, contractors and employees from, and waives all claims for,
damage or injury to person or property and loss of business sustained by Tenant
and resulting from the Building or the Premises or any part thereof or any
equipment therein becoming in disrepair, or resulting from any accident in or
about the Building, except to the extent any of the foregoing is caused by the
negligence or willful misconduct of Landlord, its agents, employees or
contractors. This paragraph shall apply particularly, but not exclusively, to
flooding, the loss of utilities or utility services to the Building, damage
caused by Building equipment and apparatus, water, snow, frost, steam, excessive
heat or cold, broken glass, sewage, gas, odors, excessive noise or vibration or
the bursting or leaking of pipes, plumbing fixtures or sprinkler devices.
     B. Mutual Waiver. Notwithstanding any other provisions of this Lease to the
contrary, Landlord and Tenant each waives all claims and rights of recovery
against the other and its respective partners, members, managers, agents,
contractors and employees for any loss

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or damage to any property, which loss or damage is insured against, or required
to be insured against, pursuant to Section 11 above, whether or not such loss or
damage is due to the fault or negligence of any person, and regardless of the
amount of insurance proceeds collected or collectible under any insurance
policies in effect.
     C. Tenant’s Indemnity. Tenant agrees to indemnify, defend and hold harmless
Landlord and its partners, members, managers, agents, contractors and employees,
from and against any and all claims, demands, actions, liabilities, damages
(other than consequential damages), costs and expenses (including attorneys’
fees), for injuries to any persons and damage to or theft or misappropriation or
loss of property occurring in or about the Building and arising from the use and
occupancy of the Premises or from any activity, work, or thing done, permitted
or suffered by Tenant in or about the Premises (including, without limitation,
any alteration by Tenant) or from any breach or default on the part of Tenant in
the performance of any covenant or agreement on the part of Tenant to be
performed under this Lease or due to any other act or omission of Tenant, its
subtenants, assignees, invitees, employees, contractors and agents, except to
the extent any of the foregoing is caused by the negligence or willful
misconduct of Landlord, its agents, employees or contractors. Without limiting
the foregoing, Tenant shall indemnify, defend and hold Landlord and each of
aforementioned indemnified parties harmless from any claims, liabilities,
damages, costs and expenses arising out of the use or storage of hazardous or
toxic materials in the Building by Tenant. If any such proceeding is filed
against Landlord or any such indemnified party, Tenant agrees to defend Landlord
or such party in such proceeding at Tenant’s sole cost by legal counsel
reasonably satisfactory to Landlord, if requested by Landlord.
     13. FIRE AND CASUALTY.
     A. If all or a substantial part of the Premises or the Building is rendered
untenantable by reason of fire or other casualty, Landlord may, at its option,
either restore the “core and shell” of the Building (including any elements
thereof within the Premises), or terminate this Lease effective as of the date
of such fire or other casualty. Landlord agrees to give Tenant written notice
within sixty (60) days after the occurrence of any such fire or other casualty
designating whether Landlord elects to so restore or terminate this Lease. If
Landlord elects to terminate this Lease, Rent shall be paid through and
apportioned as of the date of such fire or other casualty. If Landlord elects to
restore, Landlord’s obligation to restore the Premises shall be limited to
restoring those improvements in the Premises constituting portions of the core
and shell of the Building (as the term “core and shell” is defined in
Section 13.B. of this Lease below) and, without limiting the foregoing, shall
exclude any furniture, equipment, fixtures, additions, alterations or
improvements in or to the Premises which were made by Tenant. If Landlord elects
to restore, Rent shall abate for that part of the Premises which is untenantable
on a per diem basis from the date of such fire or other casualty until Landlord
has substantially completed its repair and restoration work in the Premises,
provided that Tenant does not occupy such part of the Premises during said
period.
     B. The term “core and shell” shall mean and refer to the Base Building,
including all components thereof consisting of the structural components of the
Building (i.e., whether located within the Premises or elsewhere), the roof, the
electrical, plumbing, mechanical, heating, ventilating and air conditioning
systems (other than those utility systems that may be the

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responsibility of Tenant as set forth in Sections 5 or 8.A. above), all Common
Areas, and specifically excludes the Tenant’s Work or any work related to tenant
improvements constructed by or for Tenant or other tenants or installed within
the Premises (other than the above described core and shell work) or within any
other tenant’s premises.
     14. CONDEMNATION. If the Premises or the Building is rendered untenantable
by reason of a condemnation (or by a deed given in lieu thereof), then either
party may terminate this Lease by giving written notice of termination to the
other party within thirty days after such condemnation, in which event this
Lease shall terminate effective as of the date of such condemnation. If this
Lease so terminates, Rent shall be paid through and apportioned as of the date
of such condemnation. If such condemnation does not render the Premises or the
Building untenantable, this Lease shall continue in effect and Landlord shall
promptly restore the portion not condemned to the extent reasonably possible to
the condition existing prior to the condemnation. In such event, however,
Landlord shall not be required to expend an amount in excess of the proceeds
received by Landlord from the condemning authority. Landlord reserves all rights
to compensation for any condemnation. Tenant hereby assigns to Landlord any
right Tenant may have to such compensation, and Tenant shall make no claim
against Landlord or the condemning authority for compensation for termination of
Tenant’s leasehold interest under this Lease or interference with Tenant’s
business.
     15. ASSIGNMENT AND SUBLETTING.
     A. Landlord’s Consent. Tenant shall not, without the prior written consent
of Landlord: (i) assign, convey, mortgage or otherwise transfer this Lease or
any interest hereunder, or sublease the Premises, or any part thereof, whether
voluntarily or by operation of law; (ii) employ any independent manager or
operator to manage or operate Tenant’s business; (iii) enter into any franchise,
concession, license or similar agreement with any person or entity to operate
the Premises, or any part thereof; or (iv) permit the use of the Premises by any
person other than Tenant and its employees. Any such transfer, sublease or use
described in the preceding sentence (a “Transfer”) occurring without the prior
written consent of Landlord shall be void and of no effect. Landlord’s consent
to any Transfer shall not constitute a waiver of Landlord’s right to withhold
its consent to any future Transfer. Landlord’s consent to any Transfer or
acceptance of rent from any party other than Tenant shall not release Tenant
from any covenant or obligation under this Lease. Landlord may require as a
condition to its consent to any assignment of this Lease that the assignee
execute an instrument in which such assignee assumes the obligations of Tenant
hereunder. For the purposes of this paragraph, the transfer (whether direct or
indirect) of all or a majority of the capital stock in a corporate Tenant
(including the shares of the capital stock of a corporate Tenant whose stock is
publicly traded) shall not be considered a Transfer, but a merger, consolidation
or reorganization of such Tenant and the transfer of all or any general
partnership interest in any partnership Tenant shall be considered a Transfer.
So long as Tenant remains obligated for all payments and performance of Tenant’s
obligations pursuant to the Lease, Tenant shall have the right during the Term
and any Option Term, without Landlord’s prior consent, to assign this Lease to
an affiliate or parent entity or to an entity which controls, is controlled by,
or is under common control with Tenant. Tenant may assign this Lease to a
successor to Tenant by merger, consolidation or the purchase of substantially
all of Tenant’s assets, without the consent of Landlord, provided that all of
the following conditions are satisfied (a “Business Transfer”): (a) Tenant must
not be in default;

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(b) Tenant must give Landlord written notice at least 15 Business Days before
such transfer; and (c) if such transfer will result from a merger or
consolidation of Tenant with another entity, then the Credit Requirement
(defined below) must be satisfied. Tenant’s notice to Landlord shall include
information and documentation evidencing the Business Transfer and showing that
each of the above conditions has been satisfied. If requested by Landlord,
Tenant’s successor shall sign and deliver to Landlord a commercially reasonable
form of assumption agreement. The “Credit Requirement” shall be deemed satisfied
if, as of the date immediately preceding the date of the transfer, the financial
strength of the entity with which Tenant is to merge or consolidate is not less
than that of Tenant.
     B. Standards for Consent. If Tenant desires the consent of Landlord to a
Transfer, Tenant shall submit to Landlord, at least sixty (60) days prior to the
proposed effective date of the Transfer, a written notice which includes such
information as Landlord may reasonably require about the proposed Transfer and
the transferee. Landlord shall not unreasonably withhold or delay its consent to
any assignment or sublease. Landlord further agrees to be reasonable in
evaluating a Tenant request for a change of use received in connection with and
as part of a request for Landlord consent to an assignment of the Lease by
Tenant. Landlord shall not be deemed to have unreasonably withheld its consent
if, in the judgment of Landlord: (i) the transferee is of a character, image or
reputation which is not in keeping with the standards or criteria used by
Landlord in leasing the retail components of the Building; (ii) the financial
condition of the transferee is such that it may not be able to perform its
obligations in connection with this Lease; (iii) the purpose for which the
transferee intends to use the Premises or portion thereof differs in any
material way from the use set forth in Item 9 of the Schedule; (iv) the
transferee is a tenant or occupant of the Building; or (v) the Transfer is for
less than all of the Premises. If Landlord wrongfully withholds its consent to
any Transfer, Tenant’s sole and exclusive remedy therefor shall be to seek
specific performance of Landlord’s obligation to consent to such Transfer.
     C. Excess Rents. If Landlord consents to any Transfer, Tenant shall pay to
Landlord fifty percent (50%) of all rent and other consideration received by
Tenant in excess of the Rent paid by Tenant hereunder for the portion of the
Premises so transferred. Such excess rent shall be paid as and when received by
Tenant. In addition, Tenant shall pay to Landlord any attorneys’ fees and
expenses incurred by Landlord in connection with any proposed Transfer, whether
or not Landlord consents to such Transfer.
     16. SURRENDER. Upon termination of the Term or Tenant’s right to possession
of the Premises, Tenant shall return the Premises to Landlord in good order and
condition, ordinary wear and damage by fire or other casualty excepted. If
Landlord requires Tenant to remove any alterations pursuant to Section 9, then
such removal shall be done in a good and workmanlike manner; and upon such
removal Tenant shall restore the Premises to its condition prior to the
installation of such alterations. If Tenant does not remove such alterations
after request to do so by Landlord, Landlord may remove the same and restore the
Premises; and Tenant shall pay the cost of such removal and restoration to
Landlord upon demand. Tenant shall also remove its furniture, equipment, trade
fixtures and all other items of personal property from the Premises prior to
termination of the Term or Tenant’s right to possession of the Premises. If
Tenant does not remove such items, Tenant shall be conclusively presumed to have
conveyed the same to Landlord without further payment or credit by Landlord to
Tenant; or at Landlord’s sole option

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such items shall be deemed abandoned, in which event Landlord may cause such
items to be removed and disposed of at Tenant’s expense without notice to Tenant
and without obligation to compensate Tenant.
     17. DEFAULTS AND REMEDIES.
     A. Default. The occurrence of any of the following shall constitute a
default (a “Default”) by Tenant under this Lease: (i) Tenant fails to pay any
Rent when due and such failure is not cured within five (5) days after written
notice from Landlord (which notice may be in the form of a landlord statutory
5-day notice); (ii) Tenant fails to perform any other provision of this Lease
and such failure is not cured within thirty (30) days (or immediately if the
failure involves a hazardous condition) after written notice from Landlord;
provided, however, if Tenant’s failure to perform cannot reasonably be cured
within 30 days, Tenant shall be allowed additional time (not to exceed 90 days)
as is reasonably necessary to cure the failure so long as Tenant begins the cure
within 30 days and diligently pursues the cure to completion; (iii) the
leasehold interest of Tenant is levied upon or attached under process of law;
(iv) Tenant or any guarantor of this Lease dies or dissolves; (v) Tenant
abandons or vacates the Premises or fails to open by March 31, 2009; or (vi) any
voluntary or involuntary proceedings are filed by or against Tenant or any
guarantor of this Lease under any bankruptcy, insolvency or similar laws and, in
the case of any involuntary proceedings, are not dismissed within sixty
(60) days after filing.
     B. Right of Re-Entry. Upon the occurrence of a Default, Landlord may elect
to terminate this Lease or, without terminating this Lease, terminate Tenant’s
right to possession of the Premises. Upon any such termination, Tenant shall
immediately surrender and vacate the Premises and deliver possession thereof to
Landlord. Tenant grants to Landlord the right to enter and repossess the
Premises and to expel Tenant and any others who may be occupying the Premises
and to remove any and all property therefrom, without being deemed in any manner
guilty of trespass and without relinquishing Landlord’s rights to Rent or any
other right given to Landlord hereunder or by operation of law.
     C. Reletting. If Landlord terminates Tenant’s right to possession of the
Premises without terminating this Lease, Landlord may relet the Premises or any
part thereof. In such case, Landlord shall use reasonable efforts to relet the
Premises on such terms as Landlord shall reasonably deem appropriate; provided,
however, Landlord may first lease Landlord’s other available retail space and
shall not be required to accept any tenant offered by Tenant or to observe any
instructions given by Tenant about such reletting. Tenant shall reimburse
Landlord for the costs and expenses of reletting the Premises including, but not
limited to, all brokerage, advertising, legal, alteration, and other expenses
incurred to secure a new tenant for the Premises. In addition, if the
consideration collected by Landlord upon any such reletting, after payment of
the expenses of reletting the Premises which have not been reimbursed by Tenant,
is insufficient to pay monthly the full amount of the Rent, Tenant shall pay to
Landlord the amount of each monthly deficiency as it becomes due. If such
consideration is greater than the amount necessary to pay the full amount of the
Rent, the full amount of such excess shall be retained by Landlord and shall in
no event be payable to Tenant.
     D. Termination of Lease. If Landlord terminates this Lease, Landlord may
recover from Tenant and Tenant shall pay to Landlord, on demand, as damages, an
accelerated lump sum

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amount equal to the amount by which Landlord’s estimate of the aggregate amount
of Rent which would have been payable hereunder from the date of such
termination through the Expiration Date had this Lease not been terminated
(including Minimum Rent at the rates set forth in the Schedule and a reasonable
projection of Adjustment Rent) plus Landlord’s estimate of the aggregate
expenses of reletting the Premises, exceeds Landlord’s estimate of the fair
rental value of the Premises for the same period (after deducting from such fair
rental value the time needed to relet the Premises and the amount of concessions
which would normally be given to a new tenant) both discounted to present value
at the rate of five percent (5%) per annum.
     E. Other Remedies. Landlord may but shall not be obligated to perform any
obligation of Tenant under this Lease; and, if Landlord so elects, all costs and
expenses paid by Landlord in performing such obligation, together with interest
at the Default Rate shall be reimbursed by Tenant to Landlord on demand. Any and
all remedies set forth in this Lease: (i) shall be in addition to any and all
other remedies Landlord may have at law or in equity, (ii) shall be cumulative,
and (iii) may be pursued successively or concurrently as Landlord may elect. The
exercise of any remedy by Landlord shall not be deemed an election of remedies
or preclude Landlord from exercising any other remedies in the future.
     F. Bankruptcy. If Tenant becomes bankrupt, the bankruptcy trustee shall not
have the right to assume or assign this Lease unless the trustee complies with
all requirements of the United States Bankruptcy Code; and Landlord expressly
reserves all of its rights, claims, and remedies thereunder.
     G. Waiver of Trial by Jury. Landlord and Tenant waive trial by jury in the
event of any action, proceeding or counterclaim brought by either Landlord or
Tenant against the other in connection with this Lease.
     H. Venue. If either Landlord or Tenant desires to bring an action against
the other in connection with this Lease, such action shall be brought in the
federal or state courts located in or near Chicago, Illinois. Landlord and
Tenant consent to the jurisdiction of such courts and waive any right to have
such action transferred from such courts on the grounds of improper venue or
inconvenient forum.
     18. HOLDING OVER. If Tenant retains possession of the Premises after the
expiration or termination of the Term or Tenant’s right to possession of the
Premises, Tenant shall pay Rent during such holding over at double the rate in
effect immediately preceding such holding over computed on a monthly basis for
each month or partial month that Tenant remains in possession. Tenant shall also
pay, indemnify and defend Landlord from and against all claims and damages,
consequential as well as direct, sustained by reason of Tenant’s holding over.
In addition, at any time while Tenant remains in possession, Landlord may elect
instead, by written notice to Tenant and not otherwise, to have such retention
of possession constitute a renewal of this Lease for one year for the fair
market rental value of the Premises as reasonably determined by Landlord but in
no event less than the Rent payable immediately prior to such holding over. The
provisions of this Section do not waive Landlord’s right of re-entry or right to
regain possession by actions at law or in equity or any other rights hereunder,
and any receipt of payment by Landlord shall not be deemed a consent by Landlord
to Tenant’s remaining in

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possession or be construed as creating or renewing any lease or right of tenancy
between Landlord and Tenant.
     19. SECURITY DEPOSIT. Concurrent with Tenant’s execution and delivery of
this Lease to Landlord, and as an express condition of Landlord’s obligation to
tender possession of the Premises to Tenant hereunder, Tenant shall deposit with
Landlord an amount equal to Thirty Four Thousand Nine Hundred Eighty Seven and
50/100 Dollars ($34,987.50) as security for the full and faithful performance of
every provision of this Lease to be thereafter performed by Tenant. In the event
Landlord delays its delivery of possession of the Premises due to Tenant’s delay
in so delivering the requisite Security Deposit, then, without limitation any
other rights or remedies available to Landlord, there shall be no extension of
any other dates set forth in this Lease on account thereof. If Tenant defaults
with respect to any provision of this Lease, including but not limited to the
provisions relating to the payment of Rent, then Landlord may, as applicable,
(i) use, apply or retain all or any part of the Security Deposit for the payment
of any Rent and any other sum in default, or for the payment of any other amount
which Landlord may spend or become obligated to spend by reason of Tenant’s
default or to compensate Landlord for any other loss or damage which Landlord
may suffer by reason of Tenant’s default. If any portion of the Security Deposit
is so used or applied, Tenant shall, within five (5) days after written demand
therefor, as applicable, deposit cash with Landlord in an amount sufficient to
restore the Security Deposit to its original amount, and Tenant’s failure to do
such shall be a material breach of this Lease, without any additional cure
period hereunder. Landlord shall not be responsible for keeping any Security
Deposit separate from its general funds, and Tenant shall not be entitled to
interest on either. If Tenant shall fully and faithfully perform every provision
of this Lease to be performed by it, the Security Deposit shall be returned to
Tenant (or at Landlord’s option to the last permitted assignee of Tenant’s
interest hereunder) within thirty (30) days after the expiration of the Term and
Tenant’s vacation of the Premises. Landlord shall deliver the Security Deposit
to the purchaser of Landlord’s interest in the Premises, in the event that such
interest is sold, and thereupon Landlord shall be discharged from any further
liability with respect to same. Tenant hereby agrees not to look to any
mortgagee as mortgagee, mortgagee in possession, or successor in title to the
Premises for any Security Deposit required by Tenant hereunder, unless such
items have actually been received by said mortgagee as security for Tenant’s
performance of this Lease. Nothing herein shall be construed to limit the amount
of damages recoverable by Landlord or any other remedy to the Security Deposit.
     20. INTENTIONALLY OMITTED.
     21. ESTOPPEL CERTIFICATE. Tenant agrees that, from time to time upon not
less than ten (10) days’ prior request by Landlord, Tenant shall execute and
deliver to Landlord a written certificate certifying: (i) that this Lease is
unmodified and in full force and effect (or if there have been modifications, a
description of such modifications and that this Lease as modified is in full
force and effect); (ii) the dates to which Rent has been paid and the amount of
Percentage Rent currently being paid by Tenant; (iii) that Tenant is in
possession of the Premises, if that is the case; (iv) that Landlord is not in
default under this Lease, or, if Tenant believes Landlord is in default, the
nature thereof in detail; (v) that Tenant has no off-sets or defenses to the
performance of its obligations under this Lease (or if Tenant believes there are
any off-sets or defenses, a full and complete explanation thereof); and
(vi) such additional matters as may be requested by Landlord, it being agreed
that such certificate may be relied upon

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by any prospective purchaser, mortgagee, or other person having or acquiring an
interest in the Building. If Tenant fails to execute and deliver any such
certificate within ten (10) days after request, Tenant shall be deemed to have
irrevocably appointed Landlord and Landlord’s beneficiaries as Tenant’s
attorneys-in-fact to execute and deliver such certificate in Tenant’s name.
     22. SUBORDINATION. This Lease is and shall be expressly subject and
subordinate at all times to (i) any ground or underlying lease or master lease
of the Building, now or hereafter existing, and all amendments, renewals and
modifications to any such lease; and (ii) the lien of any mortgage or trust deed
now or hereafter encumbering fee title to the Building and/or the leasehold
estate under any such lease, and all amendments, renewals and modifications to
any such mortgage or trust deed. If any such mortgage or trust deed is
foreclosed, or if any such lease is terminated, upon request of the mortgagee,
holder or lessor, as the case may be, Tenant will attorn to the purchaser at the
foreclosure sale or to the lessor under such lease, as the case may be. The
foregoing provisions are declared to be self-operative and no further
instruments shall be required to effect such subordination and/or attornment;
provided, however, that Tenant agrees upon request by any such mortgagee,
holder, lessor or purchaser at foreclosure, to execute and deliver such
subordination and/or attornment instruments as may be required by such person to
confirm such subordination and/or attornment. If Tenant fails to execute and
deliver any such instrument within ten (10) days after request, Tenant shall be
deemed to have irrevocably appointed Landlord and Landlord’s beneficiaries as
Tenant’s attorneys-in-fact to execute and deliver such instrument in Tenant’s
name.
     23. QUIET ENJOYMENT. As long as no Default exists, Tenant shall peacefully
and quietly have and enjoy the Premises for the Term, free from interference by
Landlord, subject, however, to the provisions of this Lease. The loss or
reduction of Tenant’s light, air or view will not be deemed a disturbance of
Tenant’s occupancy of the Premises nor will it affect Tenant’s obligations under
this Lease or create any liability of Landlord to Tenant.
     24. BROKER. Tenant represents to Landlord that Tenant has dealt only with
the brokers set forth in Item 12 of the Schedule (collectively, the “Broker”) in
connection with this Lease and that, insofar as Tenant knows, no other broker
negotiated this Lease or is entitled to any commission in connection herewith.
Tenant agrees to indemnify, defend and hold Landlord harmless from and against
any claims for a fee or commission made by any broker, other than the Broker,
claiming to have acted by or on behalf of Tenant in connection with this Lease.
Landlord agrees to pay the Broker a commission in accordance with a separate
agreement between Landlord and the Broker.
     25. NOTICES. All notices and demands to be given by one party to the other
party under this Lease shall be given in writing, mailed or delivered to
Landlord or Tenant, as the case may be, at the following addresses:

                  If to Landlord:   Buckingham Master Tenant, LLC         c/o
Brownstone/Van Buren         10 S. Riverside Plaza         Suite 1830        
Chicago, Illinois 60606

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                      Attention: David Dewey
 
                with a copy to:   Buckingham Master Tenant, LLC         c/o Van
Buren Fund Development, LLC         10 S. Riverside Plaza         Suite 1830    
    Chicago, Illinois 60606         Attention: Gerry V. Curciarello
 
                with a copy to:   DLA Piper US LLP         203 North LaSalle
Street, Suite 1900         Chicago, Illinois 60601         Attention: Mark D.
Yura
 
                If to Tenant:   Midwest Bank and Trust Co.         501 West
North Avenue         Melrose Park, Illinois 60160
 
      Attention:   Bruno Costa
 
          Executive Vice President
 
          Chief Operations and
 
          Technology Officer

Landlord and Tenant may change their notice addresses by delivering written
notice thereof to the other party in accordance with the notice provisions
contained in this Section 25. Notices shall be delivered by hand or by United
States certified or registered mail, postage prepaid, return receipt requested,
or by a nationally recognized overnight air courier service. Notices shall be
considered to have been given (i) in the event of hand delivery, upon actual
receipt; (ii) in the event of mailing, two business days after posting in the
United States mail; and (iii) and in the event of overnight air courier service,
one business day after deposit with such service.
     26. BASE BUILDING; TENANT IMPROVEMENTS.
     A. Landlord’s Work. Landlord, at its sole cost and expense, shall complete
or has completed the work described and identified on Exhibit E attached to this
Lease (“Landlord’s Work”).
     B. Substantially Complete. Landlord agrees to use reasonable efforts to
Substantially Complete the Landlord’s Work, if not already complete, on or
before the Turnover Date described in Section 1 hereof, subject to extension for
Force Majeure (as hereinafter defined).
     (i) “Force Majeure” means any of the following: (A) war, enemy action,
civil commotion, riots, acts of terrorism or national emergency Presidential
order; (B) national defense pre-emption of necessary materials; (C) governmental
or municipal

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laws, moratoria, restrictions, delays, failure to act or issue approvals,
permits or licenses which are generally applicable to comparable projects in the
downtown Chicago, Illinois area or which are not issued within customary time
periods; (D) utility company requirements, actions or failure to act or issue
approvals, permits or licenses which are generally applicable to comparable
projects in downtown Chicago, Illinois or which are not issued within customary
time periods; (E) strikes or other labor work stoppages; (F) acts of God;
(G) other delays beyond Landlord’s reasonable control; or (H) Tenant Delay.
     (ii) “Tenant Delay” means (1) delay caused by any default by Tenant or its
agents in Tenant’s obligations under this Lease, (2) delays caused by Tenant’s
access to the Premises (including access by Tenant’s agents, contractors,
architects, space planners, brokers, or consultants) prior to the Commencement
Date, or (3) any other delay of any kind or nature caused by Tenant (including
its agents, contractors, architects, space planners, brokers or consultants).
     (iii) “Substantial Completion” or “Substantially Complete” or
“Substantially Completed” shall mean that the Landlord’s Work has been completed
except for such minor, insubstantial details of construction, decoration or
mechanical adjustments as would not materially interfere with the use of the
Building as a residential apartment building, with ancillary retail space
thereat. If Substantial Completion is delayed in whole or in part by any Tenant
Delay, then Substantial Completion shall be deemed to have occurred as of such
date as the Base Building Work would have been so completed but for such Tenant
Delay. Substantial Completion shall be conclusively evidenced by a certificate
of Landlord’s architect.
     C. Tenant’s Improvements. Landlord shall use good faith efforts to deliver
possession of the Premises to Tenant on or before the Projected Turnover Date
described in the Schedule with Landlord’s Work within the Premises being
completed to the extent required in order for Tenant to commence and proceed
with the Tenant’s Work (hereinafter defined) in an orderly progression, without
material interference or delay on account of the non-completion of various
components of Landlord’s Work within the Premises, all subject to extension for
Force Majeure. The date Landlord actually tenders possession of the Premises to
Tenant in such condition as described in the preceding sentence is herein
referred to as the “Turnover Date”. Failure of the Turnover Date to occur on or
before the Projected Turnover Date shall be subject to the terms of Section 1
above.
     Subject to the provisions of Section 26.D. below, Tenant shall, at its sole
cost and expense, perform the “Tenant’s Work” (as defined in the Workletter),
subject to and in accordance with the provisions of this Lease, including,
without limitation, the provisions of the Workletter attached hereto.
     D. Early Occupancy. Any occupancy by Tenant of all or any portion of the
Premises prior to the Commencement Date shall be upon all of the terms and
conditions set forth in this Lease (including, without limitation, the
Workletter attached hereto), except that Tenant shall not be obligated to pay
any Minimum Rent, Adjustment Rent or Tenant’s Exterior CAM Expenses for any
period prior to the Commencement Date hereof; further, except as may be
expressly stated in the Workletter and notwithstanding anything herein to the
contrary, Landlord

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shall not be obligated to perform any Building services prior to the last to
occur of (a) Tenant’s completion of the Tenant’s Work and Tenant’s request for
Landlord to begin furnishing such services, and (b) the Commencement Date
hereunder.
     27. MISCELLANEOUS.
     A. Successors and Assigns. Subject to Section 15 of this Lease, each
provision of this Lease shall extend to, bind and inure to the benefit of
Landlord and Tenant and their respective legal representatives, successors and
assigns; and all references herein to Landlord and Tenant shall be deemed to
include all such parties.
     B. Entire Agreement. This Lease, and the riders and exhibits, if any,
attached hereto which are hereby made a part of this Lease, represent the
complete agreement between Landlord and Tenant; and Landlord has made no
representations or warranties except as expressly set forth in this Lease. No
modification or amendment of or waiver under this Lease shall be binding upon
Landlord or Tenant unless in writing signed by Landlord and Tenant.
     C. Time of Essence. Time is of the essence of this Lease and each and all
of its provisions.
     D. Execution and Delivery. Submission of this instrument for examination or
signature by Tenant does not constitute a reservation of space or an option for
lease, and it is not effective until execution and delivery by both Landlord and
Tenant. Execution and delivery of this Lease by Tenant to Landlord shall
constitute an irrevocable offer by Tenant to lease the Premises on the terms and
conditions set forth herein, which offer may not be revoked for thirty (30) days
after such delivery. Tenant represents and warrants to Landlord, and agrees,
that this Lease is binding upon Tenant and each individual executing this Lease
on behalf of Tenant is authorized to do so on behalf of Tenant. Landlord
represents and warrants to Tenant, and agrees, that this Lease is binding upon
Landlord and each individual executing this Lease on behalf of Landlord is
authorized to do so on behalf of Landlord.
     E. Severability. The invalidity or unenforceability of any provision of
this Lease shall not affect or impair any other provisions.
     F. Governing Law. This Lease shall be governed by and construed in
accordance with the laws of the State of Illinois.
     G. Attorneys’ Fees. If Landlord retains an attorney or institutes legal
proceedings due to Tenant’s failure to pay Rent when due, then Tenant shall be
required to pay Additional Rent in an amount equal to the reasonable attorneys’
fees and costs actually incurred by Landlord in connection therewith.
Notwithstanding the foregoing, in any action or proceeding between Landlord and
Tenant, including any appellate or alternative dispute resolution proceeding,
the prevailing party shall be entitled to recover from the non-prevailing party
all of its costs and expenses in connection therewith, including, but not
limited to, reasonable attorneys’ fees actually incurred.
     H. Delay in Possession. In no event shall Landlord be liable to Tenant if
Landlord is unable to deliver possession of the Premises to Tenant on the
Projected Turnover Date. If

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Landlord is unable to deliver possession of the Premises to Tenant by the
Projected Turnover Date, the Commencement Date may be deferred as described in
Section 1.A. hereof.
     I. Joint and Several Liability. If Tenant is comprised of more than one
party, each such party shall be jointly and severally liable for Tenant’s
obligations under this Lease.
     J. Force Majeure. Landlord shall not be in default hereunder and Tenant
shall not be excused from performing any of its obligations hereunder if
Landlord is prevented from performing any of its obligations hereunder due to
any accident, breakage, strike, shortage of materials, acts of God or other
causes beyond Landlord’s reasonable control.
     K. Intentionally Omitted.
     L. Captions. The headings and titles in this Lease are for convenience only
and shall have no effect upon the construction or interpretation of this Lease.
     M. No Waiver. No receipt of money by Landlord from Tenant after termination
of this Lease or after the service of any notice or after the commencing of any
suit or after final judgment for possession of the Premises shall renew,
reinstate, continue or extend the Term or affect any such notice or suit. No
waiver of any default of Tenant shall be implied from any omission by Landlord
to take any action on account of such default if such default persists or be
repeated, and no express waiver shall affect any default other than the default
specified in the express waiver and then only for the time and to the extent
therein stated.
     N. Landlord. The term “Landlord” as used in this Lease means only the owner
of Landlord’s interest in the Premises from time to time. In the event of any
assignment, conveyance or sale, once or successively, of Landlord’s interest in
the Premises and assignment of this Lease by Landlord, said Landlord making such
assignment, conveyance or sale shall be and hereby is entirely freed and
relieved of all covenants and obligations of Landlord hereunder accruing after
such assignment, conveyance or sale, and Tenant agrees to look solely to such
assignee, grantee or purchaser with respect thereto. The holder of a mortgage on
the Building shall not be deemed such an assignee, grantee or purchaser under
this Section 27.N unless and until the foreclosure of the mortgage or the
conveyance or transfer of Landlord’s interest under this Lease in lieu of
foreclosure, and then subject to the provisions of Section 22 hereof. This Lease
shall not be affected by any such assignment, conveyance or sale, and Tenant
agrees to attorn to the assignee, grantee or purchaser.
     O. No Recording. Tenant shall not record this Lease or a memorandum of this
Lease in any official records.
     P. Relation of Parties. It is the intention of this Lease to create the
relation between the parties hereto of landlord and tenant and no other relation
whatsoever, and nothing contained in this Lease (including, without limitation,
the method of determining Rent) shall be construed to make the parties hereto
partners or joint venturers or to render either party hereto liable for any of
the debts or obligations of the other party.
     Q. Limitation of Liability. Any liability of Landlord under this Lease
shall be limited solely to its interest in the Building, and in no event shall
any personal liability be

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asserted against Landlord in connection with this Lease nor shall any recourse
be had to any other property or assets of Landlord.
THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK.

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     IN WITNESS WHEREOF, Landlord and Tenant have executed this Lease as of the
day and year first above written.

            TENANT:

MIDWEST BANK AND TRUST CO.,
an Illinois banking corporation
      By:           Bruno Costa        Title:  Executive Vice President Chief
Operations and Technology Officer        LANDLORD:

BUCKINGHAM MASTER TENANT, LLC, an Illinois limited liability company
      By:   Van Buren/Wabash, LLC, its managing member         By:   Van Buren
Fund Development, LLC, its managing member        By:           Name:   Gerry V.
Curciarello        Its:       Co-Manager   

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EXHIBIT A
LEGAL DESCRIPTION
LOTS 4, 5, 6 AND 7, THAT PART OF LOTS 3, 8 AND 9, AND THAT PART OF A STRIP OF
LAND LYING NORTH OF LOT 8 AND SOUTH OF LOTS 3, 4, 5, 6, AND 7, AFORESAID, IN
ASSESSOR’S DIVISION OF LOTS 1, 2, 3, 4, 5, AND 8 IN BLOCK 9 IN FRACTIONAL
SECTION 15, TOWNSHIP 39 NORTH, RANGE 14, EAST OF THE THIRD PRINCIPAL MERIDIAN,
MORE PARTICULARLY DESCRIBED AS FOLLOWS:
BEGINNING AT THE NORTHEAST CORNER OF SAID LOT 7 IN ASSESSOR’S DIVISION OF LOTS
1, 2, 3, 4, 5, AND 8 IN BLOCK 9, SAID POINT BEING ALSO IN THE SOUTH LINE OF EAST
VAN BUREN STREET;
THENCE WEST ALONG SAW SOUTH LINE OF EAST VAN BUREN STREET, A DISTANCE OF 92.27
FEET, TO A POINT IN A LINE 0.70 FEET WEST OF AND PARALLEL WITH THE EAST LINE OF
LOT 3 IN SAID ASSESSOR’S DIVISION OF LOTS 1, 2, 3, 4, 5, AND 8 IN BLOCK 9;
THENCE SOUTH ALONG SAID PARALLEL LINE AND THE SOUTHERLY EXTENSION THEREOF, A
DISTANCE OF 140.93 FEET, TO A POINT IN THE SOUTH LINE OF THE NORTH 6.8 FEET OF
SAID LOT 9;
THENCE EAST ALONG SAID SOUTH LINE OF THE NORTH 6.8 FEET OF LOT 9, A DISTANCE OF
92.28 FEET, TO A POINT IN THE WEST LINE OF AN 18-FOOT WIDE ALLEY EAST OF SOUTH
WABASH AVENUE;
THENCE NORTH ALONG SAID WEST LINE OF AN 18-FOOT WIDE ALLEY EAST OF SOUTH WABASH
AVENUE, A DISTANCE OF 140.87 FEET, TO THE POINT OF BEGINNING, IN COOK COUNTY,
ILLINOIS.
Common Address: 59 and 61 E. Van Buren Street, Chicago, Illinois

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EXHIBIT A-1
RETAIL SPACE FLOOR PLAN
(FLOOR PLAN) [c49677c4967701.gif]

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EXHIBIT B
TENANT WORKLETTER
     THIS TENANT WORKLETTER is hereby incorporated as part of that certain 61-B
East Van Buren Street Retail Lease (“Lease”) made and entered into by and
between BUCKINGHAM MASTER TENANT, LLC, an Illinois limited liability company
(“Landlord”), and MIDWEST BANK AND TRUST CO., an Illinois banking corporation
(“Tenant”).
WITNESSETH:
     WHEREAS, Landlord and Tenant are hereby entering into the above-described
Lease to which this Workletter is being attached, which Lease demises certain
Premises (as defined in the Lease; all capitalized terms used but not otherwise
defined herein shall have the meaning as set forth in the Lease) in the building
known or to be known as 61-B East Van Buren Street, Chicago, Illinois (the
“Building”); and
     WHEREAS, certain tenant improvement work is to be completed on the
Premises;
     NOW, THEREFORE, for and in consideration of the agreement to lease the
Premises and pay rent and the mutual covenants contained herein, the parties
agree as follows:
     1. TENANT’S WORK. Tenant, at its sole cost and expense, shall perform, or
cause to be performed, the work (the “Tenant’s Work”) in the Premises provided
for in the Approved Plans (as defined in Paragraph 2 hereof). Subject to
Tenant’s satisfaction of the conditions specified in this Workletter, Tenant
shall be entitled to Landlord’s Contribution (as defined in Paragraph 8(b)
below).
     2. PRE-CONSTRUCTION ACTIVITIES.
     (a) On or before the date Tenant commences its construction, Tenant shall
submit the following information and items to Landlord for Landlord’s review and
approval:
     (i) A detailed critical path construction schedule containing the major
components of the Tenant’s Work and the time required for each, including the
scheduled commencement date of construction of the Tenant’s Work, milestone
dates and the estimated date of completion of construction.
     (ii) An itemized statement of estimated construction cost, including fees
for permits and architectural and engineering fees.
     (iii) Evidence satisfactory to Landlord in all aspects of Tenant’s ability
to pay the cost of the Tenant’s Work as and when payments become due.
     (iv) The names and addresses of Tenant’s architect (“Tenant’s Architect”)
and of the contractors (and said contractors’ subcontractors) and materialmen to
be engaged by Tenant for the Tenant’s Work (individually a “Tenant Contractor”
and collectively

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“Tenant’s Contractors”). All Tenant’s Contractors must be licensed and approved
to perform work in the City of Chicago. Landlord has the right to approve or
disapprove Tenant’s Architect and Tenant’s Contractors, which approval shall not
be unreasonably withheld or delayed, and to designate and/or approve the
engineer to be engaged to prepare engineering plans and specifications (if
applicable) for the Tenant’s Work.
     (v) Certified copies of insurance policies or certificates of insurance as
hereinafter described. Tenant shall not permit Tenant’s Contractors to commence
work until the required insurance has been obtained and certified copies of
policies or certificates have been delivered to Landlord.
     (vi) Payment and performance bonds for all of Tenant’s Contractors naming
Landlord (or an agent, designee or representative appointed by Landlord’s
written notice to Tenant given prior to Tenant’s procurement of paid bonds) as a
dual obligee.
     (vii) The Plans (as hereinafter defined) for the Tenant’s Work, which Plans
shall be subject to Landlord’s approval in accordance with Paragraph 2(b) below.
Tenant will update such information and items by notice to Landlord of any
changes.
     (b) As used herein the term “Approved Plans” shall mean the Plans (as
hereinafter defined), as and when approved in writing by Landlord. As used
herein, the term “Plans” shall mean the full and detailed architectural and
engineering plans and specifications covering the Tenant’s Work (including,
without limitation, architectural, mechanical and electrical working drawings
for the Tenant’s Work). The Plans shall be subject to Landlord’s approval and
the approval of all local governmental authorities requiring approval of the
Tenant’s Work and/or the Approved Plans. Landlord shall give its approval or
disapproval (giving general reasons in case of disapproval) of the Plans within
fifteen (15) business days after their delivery to Landlord. Landlord agrees not
to unreasonably withhold its approval of said Plans; provided, however, that
Landlord shall not be deemed to have acted unreasonably if it withholds its
approval of the Plans because, in Landlord’s reasonable opinion: the Tenant’s
Work as shown in the Plans is likely to adversely affect Building systems, the
structure of the Building or the safety of the Building and/or its occupants;
the Tenant’s Work as shown on the Plans might impair Landlord’s ability to
furnish services to Tenant or other tenants; the Tenant’s Work would increase
the cost of operating the Building; the Tenant’s Work would violate any
governmental laws, rules or ordinances (or interpretations thereof); the
Tenant’s Work contains or uses hazardous or toxic materials or substances; the
Tenant’s Work would adversely affect the appearance of the Building; the
Tenant’s Work might adversely affect another tenant’s premises; or the Tenant’s
Work is prohibited by any mortgage or trust deed encumbering the Building. The
foregoing reasons, however, shall not be exclusive of the reasons for which
Landlord may withhold consent, whether or not such other reasons are similar or
dissimilar to the foregoing. If Landlord notifies Tenant that changes are
required to the final Plans submitted by Tenant, Tenant shall, within three
(3) business days thereafter, submit to Landlord, for its approval, the Plans
amended in accordance with the changes so required. The Plans shall also be
revised, and the Tenant’s Work shall be changed, all at Tenant’s cost and
expense, to incorporate any work required in the Premises by any local
governmental field inspector. Landlord’s approval of the Plans shall in no way
be deemed to be (i) an acceptance or approval of any element therein contained
which is in violation of any applicable laws, ordinances, regulations or other
governmental requirements, or

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(ii) an assurance that work done pursuant to the Approved Plans will comply with
all applicable laws (or with the interpretations thereof) or satisfy Tenant’s
objectives and needs or Tenant’s intended use of the Premises.
     (c) No Tenant’s Work shall be undertaken or commenced by Tenant in the
Premises until (i) Tenant has delivered, and Landlord has approved, all items
set forth in Paragraph 2(a) above, (ii) all necessary building permits have been
applied for and obtained by Tenant with copies delivered to Landlord within
three (3) business days of issuance by a governmental authority with
jurisdiction over the work described in such permit, and (iii) proper provision
satisfactory to Landlord has been made by Tenant for payment in full of the cost
of the Tenant’s Work.
     3. DELAYS. In the event Tenant fails to deliver or deliver in sufficient
and accurate detail the information required under Paragraph 2 above on or
before the respective dates specified in said Paragraph 2, or in the event
Tenant, for any reason, fails to complete the Tenant’s Work on or before the
Commencement Date, Tenant shall be responsible for Rent and all other
obligations set forth in the Lease from the Commencement Date regardless of the
degree of completion of the Tenant’s Work on such date, and no such delay in
completion of the Tenant’s Work shall relieve Tenant of any of its obligations
under the Lease.
     4. CHARGES AND FEES. Tenant shall pay Landlord a supervisory fee (the
“Supervisory Fee”) in an amount equal to $3,500.00 to defray Landlord’s
administrative and overhead expenses incurred to review the Plans and coordinate
with Tenant’s on-site project manager the staging and progress of the Tenant’s
Work. The Supervisory Fee shall not include any professional fees for
engineering services conducted by third party professionals or service firms
required as a result of the impact of Tenant’s Work on the Building and Building
systems, which fees Tenant shall reimburse to Landlord.
     5. CHANGE ORDERS. All changes to the Approved Plans requested by Tenant
must be approved by Landlord in advance of the implementation of such changes as
part of the Tenant’s Work. All delays caused by Tenant-initiated change orders,
including, without limitation, any stoppage of work during the change order
review process, are solely the responsibility of Tenant and shall cause no delay
in the commencement of the Lease or the Rent and other obligations therein set
forth. All increases in the cost of the Tenant’s Work resulting from such change
orders shall be borne by Tenant.
     6. STANDARDS OF DESIGN AND CONSTRUCTION AND CONDITIONS OF TENANT’S
PERFORMANCE. All work done in or upon the Premises by Tenant shall be done
according to the standards set forth in this Paragraph 6, except as the same may
be modified in the Approved Plans approved by or on behalf of Landlord and
Tenant.
     (a) Tenant’s Approved Plans and all design and construction of the Tenant’s
Work shall comply with all applicable statutes, ordinances, regulations, laws,
codes and industry standards, including, but not limited to, requirements of
Landlord’s fire insurance underwriters.
     (b) Tenant shall, at its own cost and expense, obtain all required building
permits and occupancy permits. Tenant’s failure to obtain such permits shall not
cause a delay in the

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commencement of the Term or the obligation to pay Rent or any other obligations
set forth in the Lease.
     (c) Tenant’s Contractors shall be licensed contractors, possessing good
labor relations, capable of performing quality workmanship and working in
harmony with Landlord’s contractors and subcontractors and with other
contractors and subcontractors in the Building. All Tenant’s Work shall be
coordinated with any other construction or other work in the Building in order
not to adversely affect construction work being performed by or for Landlord or
its tenants.
     (d) Landlord shall have the right, but not the obligation, to perform, on
behalf of and for the account of Tenant, subject to reimbursement by Tenant, any
work which pertains to patching of the Work and other work in the Building, or
which otherwise affects Building structure or systems.
     (e) Tenant shall use only new, first-class materials in the Tenant’s Work,
except where explicitly shown in the Approved Plans. All Tenant’s Work shall be
done in a good and workmanlike manner. Tenant shall obtain contractors’
warranties of at least one (1) year duration from the completion of the Tenant’s
Work against defects in workmanship and materials on all work performed and
equipment installed in the Premises as part of the Tenant’s Work.
     (f) Tenant and Tenant’s Contractors shall make all efforts, and take all
steps appropriate to assure that all construction activities undertaken comport
with the reasonable expectations of all tenants and other occupants of a
fully-occupied (or substantially fully occupied) first-class residential
apartment building (containing retail components therein) and do not
unreasonably interfere with the operation of the Building or with other tenants
and occupants of the Building. In any event, Tenant and Tenant’s Contractors
shall comply with all reasonable construction rules and regulations existing
from time to time at the Building. Tenant and Tenant’s Contractors shall take
all precautionary steps to minimize dust, noise and construction traffic, and to
protect their facilities and the facilities of others affected by the Tenant’s
Work and to properly police and secure same. Construction equipment and
materials are to be kept within the Premises and delivery and loading of
equipment and materials shall be done at such locations and at such time as
Landlord shall direct so as not to burden the construction or operation of the
Building. If and as required by Landlord, the Premises shall be sealed off from
the balance of the floor containing the Premises so as to minimize the dispersal
of dirt, debris and noise.
     (g) Landlord shall have the right to order Tenant or any of Tenant’s
Contractors who violate the requirements imposed on Tenant or Tenant’s
Contractors in performing work to cease work and remove its equipment and
employees from the Building. No such action by Landlord in connection with any
other Contractors shall delay the Commencement Date or the obligation to pay
Rent or any other obligations therein set forth in the Lease.
     (h) Utility costs or charges for any service (including, without
limitation, HVAC, hoisting or freight elevator and the like) to the Premises
shall be the responsibility of Tenant from the date Tenant is obligated to
commence or commences the Tenant’s Work and shall be paid for by Tenant at
Landlord’s standard rates then in effect. Landlord has applied for, paid for,
and installed all utility meters required. Tenant shall pay for all support
services provided by Landlord’s contractors at Tenant’s request or at Landlord’s
discretion resulting from breaches or defaults by Tenant under this Workletter.
All use of freight elevators is subject to scheduling by

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Landlord and the rules and regulations of the Building. Tenant shall arrange and
pay for removal of construction debris and shall not place debris in the
Building’s waste containers. If required by Landlord, Tenant shall sort and
separate its waste and debris for recycling and/or environmental law compliance
purposes.
     (i) Tenant shall permit access to the Premises, and the Tenant’s Work shall
be subject to inspection, by Landlord and Landlord’s architects, engineers,
contractors and other representatives, at all times during the period in which
the Tenant’s Work is being constructed and installed and following completion of
the Tenant’s Work.
     (j) Tenant shall proceed with the Tenant’s Work expeditiously, continuously
and efficiently, and shall use its best efforts to complete the same on or
before the Commencement Date. Tenant shall notify Landlord upon completion of
the Tenant’s Work and shall furnish Landlord and Landlord’s title insurance
company with such further documentation as may be necessary under Paragraphs 8
and 9 below.
     (k) Tenant shall have no authority to deviate from the Approved Plans in
performance of the Tenant’s Work, except as authorized by Landlord and its
designated representative in writing. Tenant shall furnish to Landlord
“as-built” drawings of the Tenant’s Work within thirty (30) days after
completion of the Tenant’s Work.
     (l) Upon twenty-four (24) hours prior notice (or less in the event of
emergency), Landlord shall have the right to run utility lines, pipes, conduits,
duct work and component parts of all mechanical and electrical systems where
necessary or desirable through the Premises, using contractors licensed in the
City of Chicago, and in reasonable coordination with Tenant so as to minimize
the effect of and on Tenant’s security system, and shall also have the right to
access, repair, alter, replace or remove the same, and to require Tenant to
install and maintain proper access panels thereto.
     (m) Tenant shall impose on and enforce all applicable terms of this
Workletter against Tenant’s Architect and Tenant’s Contractors.
     7. INSURANCE AND INDEMNIFICATION.
     (a) In addition to any insurance which may be required under the Lease,
Tenant shall secure, pay for and maintain or cause Tenant’s Contractors to
secure, pay for and maintain during the continuance of construction and
fixturing work within the Building or Premises, insurance in the following
minimum coverages and the following minimum limits of liability:
     (i) Worker’s Compensation and Employer’s Liability Insurance with limits of
not less than $1,000,000.00, or such higher amounts as may be required from time
to time by any Employee Benefit Acts or other statutes applicable where the
Tenant’s Work is to be performed, and in any event sufficient to protect
Tenant’s Contractors from liability under the aforementioned acts.
     (ii) Comprehensive General Liability Insurance (including Contractors’
Protective Liability) in an amount not less than $2,000,000.00 per occurrence,
whether involving bodily injury liability (or death resulting therefrom) or
property damage liability or a combination thereof with a minimum aggregate
limit of $2,000,000.00, and

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with umbrella coverage with limits not less than $5,000,000.00. Such insurance
shall provide for explosion and collapse, completed operations coverage and
broad form blanket contractual liability coverage and shall insure Tenant’s
Contractors against any and all claims for bodily injury, including death
resulting therefrom, and damage to the property of others and arising from its
operations under the contracts whether such operations are performed by Tenant’s
Contractors or by anyone directly or indirectly employed by any of them.
     (iii) Comprehensive Automobile Liability Insurance, including the
ownership, maintenance and operation of any automotive equipment, owned, hired,
or non-owned in an amount not less than $2,000,000.00 for each person in one
accident, and $2,000,000.00 for injuries sustained by two or more persons in any
one accident and property damage liability in an amount not less than
$2,000,000.00 for each accident. Such insurance shall insure Tenant’s
Contractors against any and all claims for bodily injury, including death
resulting therefrom, and damage to the property of others arising from its
operations under the contracts, whether such operations are performed by
Tenant’s Contractors, or by anyone directly or indirectly employed by any of
them.
     (iv) “All-risk” builder’s risk insurance upon the entire Tenant’s Work to
the full insurable value thereof. This insurance shall include the interests of
Landlord and Tenant (and their respective contractors and subcontractors of any
tier to the extent of any insurable interest therein) in the Tenant’s Work and
shall insure against the perils of fire and extended coverage and shall include
“all-risk” builder’s risk insurance for physical loss or damage including,
without duplication of coverage, theft, vandalism and malicious mischief. If
portions of the Tenant’s Work are stored off the site of the Building or in
transit to said site are not covered under said “all-risk” builder’s risk
insurance, then Tenant shall effect and maintain similar property insurance on
such portions of the Tenant’s Work. Any loss insured under said “all-risk”
builder’s risk insurance is to be adjusted with Landlord and Tenant and made
payable to Landlord, as trustee for the insureds, as their interests may appear.
All policies (except the worker’s compensation policy) shall be endorsed to
include as additional insured parties the parties listed on, or required by, the
Lease to be named as additional insureds, Landlord’s contractors, Landlord’s
architects, and their respective beneficiaries, partners, directors, officers,
employees and agents, and such additional persons as Landlord may designate. The
waiver of subrogation provisions contained in the Lease shall apply to all
insurance policies (except the worker’s compensation policy) to be obtained by
Tenant pursuant to this paragraph. The insurance policy endorsements shall also
provide that all additional insured parties shall be given thirty (30) days’
prior written notice of any reduction, cancellation or non-renewal of coverage
(except that ten (10) days’ notice shall be sufficient in the case of
cancellation for non-payment of premium) and shall provide that the insurance
coverage afforded to the additional insured parties thereunder shall be primary
to any insurance carried independently by said additional-insured parties.
Additionally, where applicable, each policy shall contain a cross-liability and
severability of interest clause.
     (b) Without limitation of the indemnification provisions contained in the
Lease, to the fullest extent permitted by law Tenant agrees to indemnify,
protect, defend and hold harmless Landlord, the parties listed, or required by,
the Lease to be named as additional insureds,

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Landlord’s contractors, Landlord’s architects, and their respective
beneficiaries, partners, directors, officers, employees and agents, from and
against all claims, liabilities, losses, damages and expenses of whatever nature
arising out of or in connection with the Tenant’s Work or the entry of Tenant or
Tenant’s Contractors into the Building and the Premises, including, without
limitation, mechanics’ liens, the cost of any repairs to the Premises or
Building necessitated by activities of Tenant or Tenant’s Contractors, bodily
injury to persons or damage to the property of Tenant, its employees, agents,
invitees, licensees or others. It is understood and agreed that the foregoing
indemnity shall be in addition to the insurance requirements set forth above and
shall not be in discharge of or in substitution for same or any other indemnity
or insurance provision of the Lease.
     8. LANDLORD’S CONTRIBUTION; EXCESS AMOUNTS.
     (a) Upon completion of Tenant’s Work, Tenant shall furnish Landlord with
full and final waivers of lien and contractors’ affidavits and sworn statements,
in such form as may be required by Landlord, Landlord’s title insurance company
and any holder of a mortgage on the Building, from all parties performing labor
or supplying materials or services in connection with Tenant’s Work showing that
all of said parties have been compensated in full and waiving all liens in
connection with Tenant’s Work, the Premises and Building. Tenant shall submit to
Landlord a detailed breakdown of Tenant’s total construction costs, together
with such evidence of payment as is reasonably satisfactory to Landlord.
     (b) Upon completion of Tenant’s Work and Tenant’s satisfaction of all
requirements set forth in this Workletter, Landlord shall make a dollar
contribution in the amount of $186,600.00 (“Landlord’s Contribution”) (which is
approximately $40.00 per rentable square foot of rentable area of the Premises)
to pay or reimburse Tenant to the extent thereof for the cost of the Work. If
the cost of Tenant’s Work exceeds Landlord’s Contribution, Tenant shall have
sole responsibility for the payment of such excess cost. If the cost of Tenant’s
Work is less than Landlord’s Contribution, Tenant shall not be entitled to any
payment or credit for such excess amount. As used herein, “cost of Tenant’s
Work” shall include without limitation, (a) the cost of all labor and materials,
(b) contractors’ overhead and profit, (c) Landlord’s Supervisory Fee, (d) all
architectural, engineering and space planning fees paid or incurred by Landlord
or Tenant in connection with Tenant’s Work and the preparation of the Plans and
(e) all other costs and expenses to be paid by Tenant pursuant to this
Workletter. Notwithstanding anything herein to the contrary, Landlord may deduct
from Landlord’s Contribution the Supervisory Fee before disbursing any other
portion of Landlord’s Contribution, if not previously paid by Tenant.
     (c) There shall be no extension of the Commencement Date if Tenant’s Work
has not been substantially completed on such date for any reason, including
without limitation:
(i) the failure of Tenant to timely furnish the Plans, or revised Plans, under
Paragraph 1;
(ii) changes in Tenant’s Work or the Plans requested by Tenant;
(iii) Tenant’s requirements for special work or materials, finishes, or
installations other than Landlord’s standard building materials;

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(iv) the performance of any other work in the Premises by any person, firm or
corporation employed by or on behalf of Tenant, or any failure to complete or
delay in completion of such work; or
(vi) any other act or omission or delay of Tenant, its agents, contractors,
Tenant’s Architect, or persons employed by any of such persons delaying
substantial completion of Tenant’s Work.
     9. MISCELLANEOUS.
     (a) If the Plans for the Tenant’s Work require the construction and
installation of more fire hose cabinets; or fire sprinkler system or fire
communication system modifications or telephone/electrical closets than the
number regularly provided by Landlord in the core of the Building in which the
Premises are located, Tenant agrees to pay all costs and expenses arising from
the construction and installation of such additional fire hose cabinets, fire
safety system modifications or telephone/electrical closets.
     (b) Time is of the essence of this Workletter.
     (c) If Tenant fails to make any payment relating to the Tenant’s Work as
required hereunder, Landlord, at its option, may complete the Tenant’s Work
pursuant to the Approved Plans and continue to hold Tenant liable for the costs
thereof and all other costs due to Landlord. Tenant’s failure to pay any amounts
owed by Tenant hereunder when due or Tenant’s failure to perform its obligations
hereunder shall also constitute a default under the Lease and Landlord shall
have all the rights and remedies granted to Landlord under the Lease for
nonpayment of any amounts owed thereunder or failure by Tenant to perform its
obligations thereunder.
     (d) Notices under this Workletter shall be given in the same manner as
under the Lease.
     (e) The liability of Landlord hereunder or under any amendment hereto or
any instrument or document executed in connection herewith (including, without
limitation, the Lease) shall be limited to and enforceable solely against
Landlord’s interest in the Building.
     (f) The headings set forth herein are for convenience only.
     (g) This Workletter sets forth the entire agreement of Tenant and Landlord
regarding the Tenant’s Work. This Workletter may only be amended if in writing,
duly executed by both Landlord and Tenant.
     (h) All amounts due from Tenant hereunder shall be deemed to be Rent due
under the Lease.
     10. ON-SITE PROJECT MANAGER.
     As a condition of Tenant’s right to commence and perform the Work, Tenant
shall engage the services of an on-site project manager approved in advance by
and reasonably acceptable to Landlord, who will be charged with the task of
performing daily supervision of the Work. Such

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on-site manager shall be familiar with all rules and regulations and procedures
of the Building and all personnel of the Building engaged directly or indirectly
in the management, operation and construction of the Building. Such on-site
project manager shall be accountable and responsible to Tenant and to Landlord
and, where necessary, shall serve as a liaison between Landlord and Tenant with
respect to the Tenant’s Work. The entire cost and expense of the on-site project
manager shall be borne and paid for by Tenant (subject to Tenant’s right to use
all or any part of Landlord’s Contribution to reimburse Tenant for the same).
     11. DESIGNATED REPRESENTATIVES; COOPERATION.
     (a) Landlord and Tenant shall each appoint one qualified and readily
available representative with the authority to give and receive notices, other
materials and information relating to the Tenant’s Work, and approvals under
this Workletter. Initially, Landlord’s representative shall be Edmund Sadleir,
whose address is c/o L & H Real Estate Group, 10 S. Riverside Plaza, Suite 1830,
Chicago, Illinois 60606 and whose telephone number is 312-780-1939, and Tenant’s
representatives shall be Rich Dale of Studley, Inc. whose telephone number is
(312) 595-2938 or Rick Chaussey of Midwest Bank whose phone number is
(708) 498-2026.
     (b) Tenant and Landlord agree to make their respective architects and
engineers available to the other to answer questions and provide clarifications
and additional information as is reasonable for the timely progress and
completion of the Tenant’s Work.
[END OF WORKLETTER PROVISIONS]

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EXHIBIT C
SIGNS AND DISPLAY WINDOWS
     Tenant accepts and understands that the Building is a registered landmark
of the City of Chicago and is on the National Register of Historic Places.
Accordingly, Tenant agrees that its right to install signage consistent with the
design of its other branch banks is subject to the review, approval, and
permitting of Landmarks Illinois and the City of Chicago and any other
applicable state or national agencies with jurisdiction over the Building’s
landmark status. After initial installation of any signage, Tenant may not
without Landlord’s consent change its signage to conform to changes in its
company sign program. Landlord will be reasonable in its review and approval of
such changes in signage so long as such signage is consistent in size, design
and quality with Tenant’s initial signage and such signage remains in accordance
with all City, State or Federal requirements and applicable codes applying to
historic landmark structures.
     The sign criteria requirements set forth below shall apply to all signs
attached by Tenant to the interior or exterior of the Premises, subject in all
instances to Landlord’s consent as required by Section 3.F. of the Lease.
     (a) All signs shall be professionally prepared consistent with a
first-class retail, commercial and residential properties located in the
downtown Chicago, Illinois metropolitan area, and in no event shall paper signs
be permitted.
     (b) There shall be no flashing, moving or audible signs.
     (c) There shall be no signs employing exposed raceways, exposed lamps,
exposed neon tubs, exposed ballast boxes, exposed wiring, exposed starters, or
exposed transformers.
     (d) No lewd, obscene, pornographic or sexually suggestive text or graphics
shall be permitted on any sign.
     (e) The advertising or information content on the signs shall be limited to
the retail name, established logos, or the primary products or services sold,
and, other than directional, information or legally required signage, there
shall be no other visual displays, advertisements or promotions, such as laser
displays and strobes.
     (f) No billboards or similar type of signage.
     (g) No handwritten signs shall be placed on the interior or exterior
surfaces of glass panes or doors. No more than twenty percent (20%) of the
interior or exterior surfaces of glass panes or doors shall be used for signs.
     (h) If Landlord approves or requires illuminated signs, Tenant shall keep
the same and display windows illuminated each day of the Term during the hours
designated by Landlord from time to time; in connection therewith, Tenant shall
install a mechanical time clock.

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     (i) All display windows and signs shall be kept clean and in good condition
and repair.
     (j) After the initial installation of Tenant’s storefront sign as approved
in writing by Landlord in accordance with these provisions and the Lease,
Landlord reserves the right to require from time to time that Tenant change or
replace such sign in order to comply with any new sign criteria developed by
Landlord’, at Landlord’s expense.
     (k) Blinds, shades, drapes or other such items shall not be placed in or
about the windows in the Premises except to the extent, if any, that the
character, shape, design, color, material and make thereof is first approved by
Landlord in writing.
     (l) Tenant acknowledges that all signage which is visible from the exterior
of the Premises may require the approval of third parties, including, but not
limited to, Landmarks Illinois, the City of Chicago, its Landmarks Division and
other state or federal landmark review committees having jurisdiction over the
Building which approvals shall be the sole responsibility of Tenant.
     The term “sign” as used herein shall mean any sign, placard, picture, name,
direction, lettering, insignia or trademark, advertising material, advertising
display, awning or other such item.

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EXHIBIT D
RULES AND REGULATIONS
     1. Tenant shall not make any room-to-room canvas to solicit business from
other residents, occupants and/or tenants in the Building and shall not exhibit,
sell or offer to sell, use, rent or exchange any item or services in or from the
Premises unless ordinarily included within Tenant’s use of the Premises as
specified in the Lease.
     2. Tenant shall not make any use of the Premises which may be dangerous to
person or property or which shall increase the cost of insurance or require
additional insurance coverage.
     3. Tenant shall not paint, display, inscribe or affix any sign, picture,
advertisement, notice, lettering or direction or install any lights on any part
of the outside or inside of the Building, other than the Premises, and then not
on any part of the inside of the Premises which can be seen from outside the
Premises, except as approved by Landlord in writing.
     4. Tenant shall not use the name of the Building in advertising or other
publicity, except as the address of its business, and shall not use pictures of
the Building in advertising or publicity, except as required in the Lease or as
approved by Landlord.
     5. Tenant shall not obstruct or place objects on or in sidewalks,
entrances, passages, courts, corridors, vestibules, halls, elevators and
stairways in and about the Building. Tenant shall not place objects against
glass partitions or doors or windows or adjacent to any open common space which
would be unsightly from the Building corridors or from the exterior of the
Building.
     6. Bicycles shall not be permitted in the Building other than in locations
designated by Landlord.
     7. Tenant shall not allow any animals, other than seeing eye dogs, in the
Premises or the Building.
     8. Tenant shall not use, play or operate or permit to be used, played or
operated any sound-making or sound-reproducing or sound-amplification device in
the Premises, except in such manner and under such conditions such that no sound
shall be heard outside of the Premises.
     9. Tenant shall not disturb other tenants or occupants of the Building make
excessive noises, cause disturbances, create excessive vibrations, odors or
noxious fumes or use or operate any electrical or electronic devices or other
devices that emit excessive sound waves or are dangerous to other tenants or
occupants of the Building or that would interfere with the operation of any
device or equipment or radio or television broadcasting or reception from or
within the Building or elsewhere, and shall not place or install any
projections, antennae, aerials or similar devices outside of the Building or the
Premises.

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     10. Tenant shall not waste electricity or water and shall cooperate fully
with Landlord to assure the most effective operation of the Building’s heating
and air conditioning and shall refrain from attempting to adjust any controls
for the Building’s heating and air conditioning system except for the controls
and thermostats within the Premises. Tenant shall keep all doors to the Premises
closed.
     11. When the Lease is terminated, Tenant shall deliver all keys to Landlord
and will provide to Landlord the means of opening any safes, cabinets or vaults
left in the Premises.
     12. Except as otherwise provided in the Lease, Tenant shall not install any
signal, communication, alarm or other utility or service system or equipment
without the prior written consent of Landlord.
     13. Tenant shall not use any draperies or other window coverings instead of
or in addition to the Building standard window coverings designated and approved
by Landlord for exclusive use throughout the Building.
     14. Landlord may require that all persons who enter or leave the Building
(other than through exterior doors directly accessing the Premises from the
outside) identify themselves to watchmen, by registration or otherwise.
Landlord, however, shall have no responsibility or liability for any theft,
robbery or other crime in the Building. Tenant shall assume full responsibility
for protecting the Premises, including keeping all doors to the Premises locked
after the close of business.
     15. Tenant shall not overload floors; and Tenant shall obtain Landlord’s
prior written approval as to size, maximum weight, routing and location of
business machines, safes, and heavy objects. Tenant shall not install or operate
machinery or any mechanical devices of a nature not directly related to Tenant’s
ordinary use of the Premises.
     16. In no event shall Tenant bring into the Building inflammables such as
gasoline, kerosene, naphtha and benzene, or explosives or firearms or any other
articles of an intrinsically dangerous nature. Any and all chemicals brought
into the Premises shall be stored in proper containers or fire-rated containers,
as required by all laws and regulations or product guidelines.
     17. Furniture, equipment and other large articles may be brought into the
Building or the Premises only at the time and in the manner designated by
Landlord. Tenant shall furnish Landlord with a list of furniture, equipment and
other large articles which are to be removed from the Building, and Landlord may
require permits before allowing anything to be moved in or out of the Building.
Movements of Tenant’s property into or out of the Building and within the
Building are entirely at the risk and responsibility of Tenant.
     18. Tenant shall notify Landlord, in advance, of any entity hired by Tenant
to perform janitorial work, interior window washing, cleaning, decorating or
similar services in the Premises.
     19. Tenant shall not use the Premises for lodging or for any illegal
purposes.

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     20. Tenant shall comply with all safety, fire protection and evacuation
procedures and regulations established by Landlord or any governmental agency.
     21. Tenant shall cooperate and participate in all reasonable security
programs affecting the Building.
     22. Tenant shall not loiter, eat, drink, sit or lie in the lobby or other
public areas in the Building. Tenant shall not go onto the roof of the Building
or any other non-public areas of the Building (except the Premises), and
Landlord reserves all rights to control the public and non-public areas of the
Building. In no event shall Tenant have access to any electrical, telephone,
plumbing or other mechanical closets without Landlord’s prior written consent.
     23. Tenant shall not use the freight or passenger elevators, loading docks
or receiving areas of the Building except in accordance with regulations for
their use established by Landlord.
     24. Tenant shall not dispose of any foreign substances in the toilets,
urinals, sinks or other washroom facilities, nor shall Tenant permit such items
to be used other than for their intended purposes; and Tenant shall be liable
for all damage as a result of a violation of this rule.
     25. In no event shall Tenant allow its employees to use the public areas of
the Building or the Exterior Common Areas surrounding the Building (including,
without limitation, the Premises) as smoking areas.

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EXHIBIT E
LANDLORD’S WORK
Space shall be delivered as follows:

•   Central building heat pump system stubbed to Premises.   •   Existing front
entrance door, windows and storefront as well as existing rear entrance door in
place.   •   Exterior walls “as-is”   •   No ceiling or lighting   •   Existing
concrete floor to remain   •   One (1) existing new 400 amp electrical service
and panel as located within the rear of the Premises and an installed individual
electrical meter for recording the electricity use solely for the Premises.
Tenant agrees that Tenant shall at Tenant’s sole cost and expense arrange to
transfer the electrical meter and account into Tenant’s name following the
Turnover Date and before Tenant’s construction within the Premises commences.  
•   A 2” water pipe will be provided to the rear of the Premises for connection
by Tenant at Tenant’s sole cost and expense. A checkmeter for use by Landlord
and Tenant to equitable apportion water usage by Tenant has been installed.
Tenant acknowledges and agrees that Tenant shall pay to Landlord as Rent
Tenant’s fair share of water and sewer charges based upon its check metered
usage of same.   •   Multiple locations for Tenant’s connection of its own HVAC
equipment to the Building’s heat pump system for the heating and cooling of the
Premises.   •   No gas lines or access to natural gas will be required by
Tenant. [Tenant to confirm.]

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