EXHIBIT 10.20
[GRAPHIC OMITTED]         Industrial Real Estate Lease
     CBRE                 Multi-Tenant Net
CB RICHARD ELLIS          CB Richard Ellis, Inc.
                          Brokerage and Management
                          Licensed REal Estate Brokers


ARTICLE ONE:  BASIC TERM
------------------------

This Article One contains the Basic Terms of this Lease between the Landlord and
Tenant named below. Other Articles, Sections and Paragraphs of the Lease
referred to in this Article One explain and define the Basic Terms and are to be
read in conjunction with the Basic Terms.

Section 1.01.                       Date of Lease:   August 5, 2005
                                                  ------------------------------
Section 1.02.     Landlord (include legal entity):   Millsbridge Office Park
                                                     East, L.P.
                                                  ------------------------------
                                                     1209 W. Tokay Street
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Address of Landlord:                                 Lodi, CA  95240
                    ------------------------------------------------------------
Section 1.03.       Tenant (include legal entity):   Service 1st Bank
                                                  ------------------------------
                                                     1901 W. Kettleman Lane
                                                     Building A, Suite 1A and 1B
                    ------------------------------------------------------------
                                                     Lodi, CA
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Address of Tenant:                                   2800 W. March Lane,
                                                     Suite 120
                    ------------------------------------------------------------
                                                     Stockton, CA 95219
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Section 1.04. Property: The Property is part of Landlord's multi-tenant real
property development known as Millsbridge Office Park East and described or
depicted in Exhibit A (the "Project"). The Project includes the land, the
buildings and all other improvements located on the land, and the common areas
described in Paragraph 4.05(a). The Property is commonly referred to as
Millsbridge Office Park East, 1901 West Kettleman Lane, Building A, Suites 1A
and 1B, Lodi, California, as shown on Exhibit A-1, ground floor, approximately
9,580 rentable square feet (8,330 USF). The total Building A area is 21,299
rentable square feet. References herein to "Building A" shall mean the Building
within which the Property is situated.

Section 1.05. Lease Term: 10 years months beginning on January 1, 2006, even if
the tenant improvements have not been completed and/or tenant has not yet
occupied the property unless extended by Tenant's exercise of one or both
Options to Extend, as set forth in Section 2.02.

Section 1.06. Permitted Uses: (See Article Five) Retail Banking and Office Uses
                                                 -------------------------------
Section 1.07. Tenant's Guarantor: (If none, so state)  None
                                                       -------------------------
Section 1.08. Brokers: (See Article Fourteen)

Landlord's Broker:   CB Richard Ellis
                     -----------------------------------------------------------
Tenant's Broker:     CB Richard Ellis
                     -----------------------------------------------------------
Section 1.09. Commission Payable to Landlord's Broker: (See Article Fourteen)
See separate agreement between Landlord and Landlord's Broker.
Section 1.10. Initial Security Deposit: (See Section 3.03) $17,723.00
                                                           ---------------------
Section 1.11. Vehicle Parking Spaces Allocated to Tenant: (See Section 4.05)
Tenant shall receive 4 per 1,000 rentable square feet of occupancy of
undesignated parking stalls for Building A. Landlord shall designate 4 spaces at
or near the east building entrance as "30 minute parking" upon Landlord's review
and verification that the CC&R's and association rules and regulations allow for
such designation identification. Written notification will be provided to Tenant
upon verification of the parking.

Section 1.12. Rent and Other Charges Payable by Tenant:
(a)Base Rent: Seventeen Thousand Seven Hundred Twenty Three and 00/100 Dollars
($17,723.00) per month for the first twelve (12) months of the Term, as provided
in Section 3.01, and shall increase on the first day of the 13th month of the
Term and annually thereafter during the Term and any extension thereof, by three
percent (3%) of the Base Rent payable by Tenant during the immediately preceding
year of the Lease Term.
(b)Other Periodic Payments: (i) Real Property Taxes (See Section 4.02); (ii)
Utilities (See Section 4.03); (iii) Insurance Premiums (See Section 4.04); (iv)
Tenant's Initial Pro Rata Share of Common Area Expenses attributed to Building A
is 44.98% and Tenant's Initial Pro Rata Share of Common Area Expenses attributed
to the Project as a whole is 44.98% (See Section 4.05); (v) Impounds for
Insurance Premiums and Property Taxes (See Section 4.08); (vi) Maintenance,
Repairs and Alterations (See Article Six).
Section 1.13. Landlord's Share of Profit on Assignment or Sublease: (See Section
9.05) Fifty percent (50%) of the Profit (the "Landlord's Share").
Section 1.14.Riders: The following Riders are attached to and made a part of
this Lease: (If none, so state)

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Exhibit A - Building A Plan
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Exhibit B - Space Plan
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Exhibit C - Construction Bid
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Exhibit D - Rules and Regulations
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Sale/Lease Disclosures
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ARTICLE TWO:  LEASE TERM
------------------------
Section 2.01.Lease of Property for Lease Term. Landlord leases the Property to
Tenant and Tenant leases the Property from Landlord for the Lease Term. The
Lease Term is for the period stated in Section 1.05 above and shall begin and
end on the dates specified in Section 1.05 above, unless the beginning or end of
the Lease Term is changed under any provision of this Lease. The "Commencement
Date" shall be the date specified in Section 1.05 above for the beginning of the
Lease Term, unless advanced or delayed under any provision of this Lease.
        Section 2.02.    Option to Extend.
                  (a) Grant of Option. Landlord grants to Tenant the right to
extend the Term ("Extension Option") for up to two (2) consecutive five (5) year
periods ("Extension Term"), subject to the conditions described in this Section.
If Tenant exercises its option to extend the original Term for the first five
(5) year period ("First Extension"), then Tenant shall retain the right to
extend this Lease for a second five (5) year period ("Second Extension"),
subject to the provisions of this Section. Tenant shall have no other right to
extend the term beyond the Extension Term.
                  (b) Conditions of Option. The Extension Option is subject to
the following conditions.
                           (i) If Tenant chooses not to exercise its right to
the First Extension, Tenant shall have no right to the Second Extension.
                           (ii) The terms and conditions of this Lease shall be
effective for any such extensions, except that the Base Monthly Rate shall be
adjusted at the commencement of each extension to the fair market rental value
for comparable buildings in San Joaquin County at the time of such extension
("Market Rate") as determined in the manner set forth in Subsection (c) of this
Section. In no event shall such adjusted Base Monthly Rate be less than the rate
existing at the time immediately prior to such extension.
                           (iii) Each option to extend may be exercised by
Tenant only by delivery of a notice stating Tenant's intent to exercise its
Extension Option ("Extension Notice") from Tenant to Landlord no less than six
(6) months nor more than nine (9) months prior to the expiration of the then
existing Term, and only if, as of the date of delivery of Notice, Tenant is not
in default under this Lease beyond any applicable notice and cure period.
                           (iv) The rights contained in this Section shall be
personal to the original named Tenant and may be exercised only by the original
named Tenant (and not any assignee, sublessee, or other transferee of Tenant's
interest in this Lease) and only if the original Tenant (or any affiliate or
subsidiary of Tenant) occupies more than 50% of the Premises as of the date it
exercises the Extension Option for either the First Extension or the Second
Extension.
                           (v) If Tenant properly exercises the Extension Option
and is not in default under this Lease beyond any applicable notice and cure
period at the end of the initial Term, the Term, as it applies to the entire
Premises then leased by Tenant, shall be extended for such First Extension or
Second Extension, as the case may be.
                  (c) Determination of Fair Market Value.
                           (i) Within thirty (30) days following Landlord's
receipt of the Extension Notice, Landlord shall deliver to Tenant its
determination of the Market Rate; and if Tenant agrees with Landlord's
determination, Tenant shall execute an Amendment and Supplement to Lease in form
and substance satisfactory to Landlord and Tenant, confirming the extension of
this Lease and setting forth the Base Rent payable during such Extension Term.
If Tenant disagrees with Landlord's determination of the Market Rate and
provides Landlord with Notice of Tenant's, disagreement with Landlord's
determination, Landlord and Tenant shall meet and confer at a mutually agreeable
time and place within thirty (30) days following Landlord's receipt of Tenant's
notice of disagreement in order to reach an agreement concerning the Market Rate
for the Premises for the applicable renewal term. If within sixty (60) days
after receipt of the Extension Notice, Landlord and Tenant are unable to agree
on what Market Rate should be for the Extension Term, the Market Rate for such
renewal term shall be determined by the appraisal procedure described in
Subsection (ii) below.
                           (ii) In the absence of an agreement between Landlord
and Tenant on the Market Rate for any Extension Term during the time period
specified in Subsection 1 above, within ninety (90) days after Landlord's
receipt of the Extension Notice, Landlord and Tenant shall each give to the
other a written notice setting forth their own determination of the Market Rate
(the "Fair Rental Notices"). If only one (1) Fair Rental Notices is timely
given, that Fair Rental Notice shall conclusively establish the Market Rate. If
both Landlord and Tenant give Fair Rental Notices, and the Fair Rental Notices
are different in any respect, the Market Rate shall be conclusively established
by a third-party appraiser mutually chosen by Landlord and Tenant; provided
that, if Landlord and Tenant have not agreed upon, and engaged, such appraiser
at least ninety (90) days prior to the expiration of the original term, then,
upon the request of either Landlord or Tenant, the appraiser shall be selected
by the Presiding Judge of the Superior Court of San Joaquin County acting in his
or her individual capacity or, if Landlord and Tenant shall both then agree to
allow their attorneys to select the appraiser, instead of using said Presiding
Judge, Landlord and Tenant shall each engage a duly licensed California attorney
with commercial leasing experience of at least five (5) years, which attorneys,
by their agreement, select the appraiser. Landlord and Tenant shall share
equally the fees and expenses of the selected

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appraiser and shall each pay their own attorneys' fees. Within thirty (30) days
after the appraiser's engagement, the appraiser shall deliver to Landlord and to
Tenant the appraiser's determination of which of the two (2) Fair Rental Notices
is, in the appraiser's best judgement, the closest to the true fair market
rental (the "Chosen Fair Rental Notice"), and the amount set forth in the chosen
Fair Rental Notice shall be deemed to be the Market Rate. The appraiser shall be
required to give to Landlord and to Tenant a written statement of the
appraiser's reasoning and justification for selection of the Chosen Fair Rental
Notice; the appraiser shall not be permitted to decide on a middle ground, or to
suggest any compromise; the appraiser's sole function shall be to determine the
Chosen Fair Rental Notice, and provide his or her reasons thereof. Landlord and
Tenant agree to be bound by the Chosen Fair Rental Notice as determined in
accordance with the appraisal procedure set forth herein.

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Section 2.03. Early Access. Tenant shall have the right to enter the Property
from and after the date on which this Lease is executed and delivered by
Landlord and Tenant for the purpose of space planning, inspection, construction
of Tenant's improvements, installation of Tenant's personal property, trade
fixtures, telecommunications systems and security systems, and related purposes;
provided that Tenant shall not commence the conduct of its business in the
Property prior to the Commencement Date. Tenant's access to and use of the
Property for such purposes prior to the Commencement Date shall be subject to
all of the provisions of this Lease except for the payment of Base Rent and
Additional Rent.
Section 2.04. Holding Over. Except as otherwise provided in this Lease, Tenant
shall vacate the Property upon the expiration or earlier termination of this
Lease. Tenant shall reimburse Landlord for and indemnify Landlord against all
damages which Landlord incurs from Tenant's delay in vacating the Property. If
Tenant remains in possession of the premises after expiration or earlier
termination of this Lease with Landlord's express written consent, Tenant's
occupancy shall be a month-to-month tenancy at a rent agreed on by Landlord and
Tenant, but in no event less than the Base Rent and Additional Rent payable
under this Lease during the last full month before the date of expiration or
earlier termination of this Lease. The month-to-month tenancy shall be on the
terms and conditions of this Lease except those terms and conditions dealing
with the length of the Term and Options to extend. Landlord's acceptance of rent
after such holding over with Landlord's written consent shall not result in any
other tenancy or in a renewal of the original term of this Lease. If Tenant
remains in possession of the premises after expiration or earlier termination of
this Lease without Landlord's consent, Tenant's continued possession shall be on
the basis of a tenancy at sufferance and Tenant shall pay as rent during the
holdover period an amount equal to one hundred twenty five percent (125%) of the
Base Rent and Additional Rent payable under this Lease for the last full month
before the date of expiration or termination.
ARTICLE THREE:  BASE RENT
Section 3.01.Time and Manner of Payment. Upon execution of this Lease, Tenant
shall pay Landlord the Base Rent in the amount stated in Paragraph 1.12(a) above
for the first month of the Lease Term. On the first day of the second month of
the Lease Term and each month thereafter, Tenant shall pay Landlord the Base
Rent, in advance, without offset, deduction or prior demand. The Base Rent shall
be payable at Landlord's address or at such other place as Landlord may
designate in writing.
Section 3.02.Increase. The Base Rent shall be increased on each date (the
"Rental Adjustment Date") stated in Paragraph 1.12(a) above.
(a)Tenant shall pay the new Base Rent from the applicable Rental Adjustment Date
until the next Rental Adjustment Date.
Section 3.03. Security Deposit; Increases.
(a)Upon the execution of this Lease, Tenant shall deposit with Landlord a cash
Security Deposit in the amount set forth in Section 1.10 above. Landlord may
apply all or part of the Security Deposit to any unpaid rent or other charges
due from Tenant or to cure any other defaults of Tenant. If Landlord uses any
part of the Security Deposit, Tenant shall restore the Security Deposit to its
full amount within ten (10) days after Landlord's written request. Tenant's
failure to do so shall be a material default under this Lease. No interest shall
be paid on the Security Deposit. Landlord shall not be required to keep the
Security Deposit separate from its other accounts and no trust relationship is
created with respect to the Security Deposit.
Section 3.04.Termination; Advance Payments. Upon Tenant's full and faithful
performance of its obligations under this Lease, and after Tenant has vacated
the Property in the manner required by this Lease, Landlord shall promptly
refund or credit to Tenant (or Tenant's successor) the unused portion of the
Security Deposit, any advance rent or other advance payments made by Tenant to
Landlord, and any amounts paid for real property taxes and the reserves which
apply to any time periods after termination of the Lease.
ARTICLE FOUR:  OTHER CHARGES PAYABLE BY TENANT
----------------------------------------------
Section 4.01.Additional Rent. All charges payable by Tenant other than Base Rent
are called "Additional Rent." Unless this Lease provides otherwise, Tenant shall
pay all Additional Rent then due with the next monthly installment of Base Rent.
The term "rent" shall mean Base Rent and Additional Rent. Additional Rent shall
include Tenant's pro rata portion of the Association's regular and special
assessments as assessed by the Association from time to time and based upon the
Association's Budget.
Section 4.02. Property Taxes.
(a)Real Property Taxes. Tenant shall pay all real property taxes on the Property
(including any fees, taxes or assessments against, or as a result of, any Tenant
improvements installed on the Property by or for the benefit of Tenant) during
the Lease Term in accordance with Section 4.08 of this Lease.
(b)Definition of "Real Property Tax." "Real Property Tax" means: (i) any fee,
license fee, license tax, business license fee, commercial rental tax, levy,
charge, assessment, penalty or tax imposed by any taxing authority against the
Property; (ii) any tax on the Landlord's right to receive, or the receipt of,
rent or income from the Property or against Landlord's business of leasing the
Property; (iii) any tax or charge for fire protection, streets, sidewalks, road
maintenance, refuse or other services provided to the Property by any
governmental agency; (iv) any tax imposed upon this transaction or based upon a
re-assessment of the Property due to a change of ownership, as defined by
applicable law, or other transfer of all or part of Landlord's interest in the
Property; and (v) any charge or fee replacing any tax previously included within
the definition of real property tax. "Real property tax" does not, however,
include Landlord's federal or state income, franchise, inheritance or estate
taxes.

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(c)Joint Assessment. If the Property is not separately assessed, Landlord
shall reasonably determine Tenant's share of the real property tax payable by
Tenant under Paragraph 4.02(a) from the assessor's worksheets or other
reasonably available information. Tenant shall pay such share to Landlord within
fifteen (15) days after receipt of Landlord's written statement.
(d) Personal Property Taxes.
         (i)Tenant shall pay all taxes charged against trade fixtures,
   furnishings, equipment or any other personal property belonging to Tenant.
 Tenant shall use reasonable efforts to have personal property taxed separately
                               from the Property.
           (ii)If any of Tenant's personal property is taxed with the
 Property, Tenant shall pay Landlord the taxes for the personal property within
 fifteen (15) days after Tenant receives a written statement from Landlord for
                         such personal property taxes.
Section 4.03. Utilities and Janitorial.
(a) Utilities Tenant shall pay, directly to the appropriate supplier, the cost
of all natural gas, heat, light, power, sewer service, telephone, water, refuse
disposal and other utilities and services supplied to the Property for Tenant's
exclusive use. However, if any services or utilities are jointly metered with
other property, Landlord shall make a reasonable determination of Tenant's
proportionate share of the cost of such utilities and services and Tenant shall
pay such share to Landlord within fifteen (15) days after receipt of Landlord's
written statement and copies of the underlying invoices from such utility and
service providers.
         (b) Janitorial Landlord has secured a bulk rate utilizing one
janitorial service for the project which is a benefit to the Tenant and other
tenants within the Project. The janitorial service is Diane Martin Janitorial
Service. This will provide for a more secured building environment with all
tenants utilizing one janitorial service. The janitorial service will contact
Tenant to complete the individual Tenant agreements and will bill Tenant as
provided therein and Tenant will pay the janitorial service directly. The
janitorial service provider may be changed from time to time upon the reasonable
prior consent of all parties. Landlord acknowledges that Tenant's business
operations at the Property requires that all contractors performing work or
services within the Property be properly licensed and insured, and that any
contractor, including, without limitation, the janitorial service, which may
have access to the Property before or after Tenant's normal business hours, must
be bonded to Tenant's satisfaction.
Section 4.04. Insurance Policies.
(a)Liability Insurance. During the Lease Term, Tenant shall maintain a policy of
commercial general liability insurance (sometimes known as broad form
comprehensive general liability insurance) insuring Tenant against liability for
bodily injury, property damage (including loss of use of property) and personal
injury arising out of the operation, use or occupancy of the Property. Tenant
shall name Landlord as an additional insured under such policy. The initial
amount of such insurance shall be Two Million Dollars ($2,000,000) per
occurrence and shall be subject to periodic increase based upon inflation,
increased liability awards, recommendation of Landlord's professional insurance
advisers and other relevant factors; provided that the limits of coverage shall
not exceed the policy limits required of tenants in office buildings similar to
those at the Project and located in San Joaquin County, California. The
liability insurance obtained by Tenant under this Paragraph 4.04(a) shall (i) be
primary and non-contributing; (ii) contain cross-liability endorsements; and
(iii) insure Landlord against Tenant's performance under Section 5.05, if the
matters giving rise to the indemnity under Section 5.05 result from the
negligence of Tenant. The amount and coverage of such insurance shall not limit
Tenant's liability nor relieve Tenant of any other obligation under this Lease.
Landlord may also obtain comprehensive public liability insurance in an amount
and with coverage determined by Landlord insuring Landlord against liability
arising out of ownership, operation, use or occupancy of the Property. The
policy obtained by Landlord shall not be contributory and shall not provide
primary insurance.
(b)Property and Rental Income Insurance. During the Lease Term, Landlord and
Association shall maintain policies of insurance covering loss of or damage to
the Property, including tenant improvements, in the full amount of its
replacement value. Such policies shall contain an Inflation Guard Endorsement
and shall provide protection against all perils included within the
classification of fire, extended coverage, vandalism, malicious mischief,
special extended perils (all risk), sprinkler leakage and any other perils which
Landlord and Association deem reasonably necessary. Landlord and Association
shall have the right to obtain flood and earthquake insurance if required by any
lender holding a security interest in the Property other than the tenant
improvements as noted in this Lease. Landlord shall not obtain insurance for
Tenant's fixtures or equipment or building improvements installed by Tenant on
the Property other than the Tenant improvements as noted in this Lease. During
the Lease Term, Landlord shall also maintain a rental income insurance policy,
with loss payable to Landlord, in an amount equal to one year's Base Rent, plus
estimated real property taxes and insurance premiums. Tenant shall be liable for
the payment of any deductible amount under Landlord's or Tenant's insurance
policies maintained pursuant to this Section 4.04, in an amount not to exceed
Ten Thousand Dollars ($10,000.00) per occurrence. Tenant shall not do or permit
anything to be done which invalidates any such insurance policies.
(c)Payment of Premiums. Subject to Section 4.08, Tenant shall pay all premiums
for the insurance policies described in Paragraphs 4.04(a) and (b) (whether
obtained by Landlord, Association or Tenant) within fifteen (15) days after
Tenant's receipt of a copy of the premium statement or other evidence of the
amount due, except Landlord shall pay all premiums for non-primary comprehensive
public liability insurance which Landlord elects to obtain as provided in
Paragraph 4.04(a). For insurance policies maintained by Landlord or Association
which cover improvements on the entire Project or Building A. Tenant shall pay
Tenant's prorated share of the premiums, in accordance with the formula in
Paragraph 4.05(e) for

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determining Tenant's share of Common Areas costs. If insurance policies
maintained by Landlord cover improvements on real property other than the
Project, Landlord shall deliver to Tenant a statement of the premium applicable
to the property showing in reasonable detail how Tenant's share of the premium
was computed. If the Lease term expires before the expiration of an insurance
policy maintained by Landlord, Tenant shall be liable for Tenant's prorated
share of the insurance premiums. Before the Commencement Date, Tenant shall
deliver to Landlord a copy of any policy of insurance, which Tenant is required
to maintain under this Section 4.04. At least thirty (30) days prior to the
expiration of any such policy, Tenant shall deliver to Landlord a renewal of
such policy. As an alternative to providing a policy of insurance, Tenant shall
have the right to provide Landlord a certificate of insurance, executed by an
authorized officer of the insurance company, showing that the insurance which
Tenant is required to maintain under this Section 4.04 is in full force and
effect and containing such other information which Landlord reasonably requires.
(d) General Insurance Provisions.
  (i)Any insurance which Tenant is required to maintain under this Lease shall
 include a provision which requires the insurance carrier to give Landlord not
    less than thirty (30) days' written notice prior to any cancellation or
                         modification of such coverage.
 (ii)If Tenant fails to deliver any policy, certificate or renewal to Landlord
   required under this Lease within the prescribed time period or if any such
    policy is cancelled or modified during the Lease Term without Landlord's
    consent, Landlord may obtain such insurance, in which case Tenant shall
reimburse Landlord for the cost of such insurance within fifteen (15) days after
       receipt of a statement that indicates the cost of such insurance.
    (iii)Tenant shall maintain all insurance required under this Lease with
 companies holding a "General Policy Rating" of A-12 or better, as set forth in
     the most current issue of "Best Key Rating Guide". Landlord and Tenant
acknowledge the insurance markets are rapidly changing and that insurance in the
  form and amounts described in this Section 4.04 may not be available in the
future. Tenant acknowledges that the insurance described in this Section 4.04 is
   for the primary benefit of Landlord. If at any time during the Lease Term,
  Tenant is unable to maintain the insurance required under the Lease, Tenant
     shall nevertheless maintain insurance coverage which is customary and
commercially reasonable in the insurance industry for Tenant's type of business,
as that coverage may change from time to time. Landlord makes no representation
     as to the adequacy of such insurance to protect Landlord's or Tenant's
   interests. Therefore, Tenant shall obtain any such additional property or
liability insurance which Tenant deems necessary to protect Landlord and Tenant.
    (iv)Unless prohibited under any applicable insurance policies maintained,
Landlord and Tenant each hereby waive any and all rights of recovery against the
  other, or against the officers, employees, agents or representatives of the
other, for loss of or damage to its property or the property of others under its
  control, if such loss or damage is covered by any insurance policy in force
  (whether or not described in this Lease) at the time of such loss or damage.
  Upon obtaining the required policies of insurance, Landlord and Tenant shall
  give notice to the insurance carriers of this mutual waiver of subrogation.
Section 4.05. Common Areas; Use, Maintenance and Costs.
(a)Common Areas. As used in this Lease, "Common Areas" shall mean all areas
within the Project which are available for the common use of tenants of the
Project and which are not leased or held for the exclusive use of Tenant or
other tenants, including, but not limited to, parking areas, driveways,
sidewalks, loading areas, access roads, corridors, landscaping and planted
areas. Landlord, from time to time, with Millsbridge Office Park East
Association ("Association") approval, may change the size, location, nature and
use of any of the Common Areas, convert Common Areas into leaseable areas,
construct additional parking facilities (including parking structures) in the
Common Areas, and increase or decrease Common Area land and/or facilities.
Tenant acknowledges that such activity may result in inconvenience to Tenant.
Such activity and changes are permitted if they do not materially affect
Tenant's use of the Property. Landlord shall at all times provide reasonable
ingress and egress to and from the Property.
(b)Use of Common Areas. Tenant shall have the nonexclusive right (in common with
other tenants and all others to whom "Association" has granted or may grant such
rights) to use the Common Areas for the purposes intended, subject to such
reasonable rules and regulations as set forth in the "Association" CC&R's.
Tenant shall abide by such rules and regulations and shall use its best efforts
to cause others who use the Common Areas with Tenant's express or implied
permission to abide by such rules and regulations. At any time, "Association"
may close any Common Areas to perform any acts in the Common Areas as, in
"Association's" judgment, are necessary or desirable to maintain or improve the
Project, subject to the limitations set forth in Section 4.05(a). Tenant shall
not interfere with the rights of the "Association", other tenants or any other
person entitled to use the Common Areas, provided such use of the Common Areas
conforms to the terms of this Lease and the Association's rules and regulations.
(c)Vehicle Parking. Tenant shall be entitled to use the number of vehicle
parking spaces in the Project allocated to Tenant in Section 1.11 of the Lease
without paying any additional rent. Tenant's parking shall not be reserved and
shall be limited to vehicles no larger than standard size automobiles or pickup
utility vehicles. Tenant shall not cause large trucks or other large vehicles to
be parked within the Project or on the adjacent public streets. Temporary
parking of large delivery vehicles in the Project may be permitted by the rules
and regulations established by the Association. Vehicles shall be parked only in
striped parking spaces and not in driveways, loading areas or other locations
not specifically designated for parking. Handicapped spaces shall only be used
by those legally permitted to use them. If Tenant parks more vehicles in the
parking area than the number set forth in Section 1.11 of this Lease, such
conduct shall be a

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material breach of this Lease. In addition to Landlord's other remedies under
the Lease, Tenant shall pay a daily charge of Ten Dollars & 00/100 ($10.00)
determined by Landlord for each such additional vehicle.
(d)Maintenance of Common Areas. The Association shall maintain the Common Areas
in good order, condition and repair and shall operate the Project, in the
Association's sole discretion, as a first-class commercial office real property
development. Landlord shall be assessed by the Association and Landlord shall
bill Tenant for Tenant's pro rata share of Landlord's assessments as provided in
Section 4.01 of this Lease. Said assessments are based upon Association's Budget
including of all costs incurred by the Association for the operation and
maintenance of the Common Areas. Common Area costs include, but are not limited
to, costs and expenses for: (i) gardening and landscaping; (ii) utilities, water
and sewage charges; maintenance of signs (other than tenants' signs); (iii)
premiums for liability, property damage, fire and other types of casualty
insurance on the Common Areas and worker's compensation insurance; (iv) all
property taxes and assessments levied on or attributable to the Common Areas and
all Common Area improvements; (v) all personal property taxes levied on or
attributable to personal property used in connection with the Common Areas; (vi)
straight-line depreciation on personal property owned by the Association which
is consumed in the operation or maintenance of the Common Areas; (vii) rental or
lease payments paid by the Association for rented or leased personal property
used in the operation or maintenance of the Common Areas; (viii) fees for
required licenses and permits; repairing, resurfacing, repaving, maintaining,
painting, lighting, cleaning, refuse removal, security and similar items; (ix)
any other costs as described in the CC and R's; and a reasonable allowance to
the Association for the Association's operation and maintenance of the Common
Areas. The Association may cause any or all of such services to be provided by
third parties and the costs of such services shall be included in Common Area
costs. Common Area costs shall not include depreciation of real property which
forms part of the Common Areas.
(e)Tenant's Share and Payment. Tenant shall pay Tenant's pro rata share of all
Common Area costs (prorated for any fractional month of the Term or extension
thereof) each month during the Term and any extension thereof upon written
notice from Landlord that such costs are due and payable, and in any event prior
to delinquency. Tenant's pro rata share shall be calculated by dividing the
square foot area of the Property, as set forth in Section 1.04 of the Lease, by
the aggregate square foot area of the Project which is leased or held for lease
by tenants, as of the date on which the computation is made. Tenant's initial
pro rata share is set out in Paragraph 1.12(b). Any changes in the Common Area
costs and/or the aggregate area of the Project leased or held for lease during
the Lease Term shall be effective on the first day of the month after such
change occurs. Within sixty (60) days after the end of each calendar year of the
Lease Term, Landlord shall deliver to Tenant a statement setting forth, in
reasonable detail, the Common Area costs paid or incurred by Landlord during the
preceding calendar year and Tenant's pro rata share. Upon receipt of such
statement, there shall be an adjustment between Landlord and Tenant, with
payment to or credit given by Landlord (as the case may be) so that Landlord
shall receive the entire amount of Tenant's share of such costs and expenses for
such period. Any Common Area costs that are capital improvements, as defined by
the Internal Revenue Code, shall be amortized over the useful life of such
improvement and Tenant shall pay to Landlord such amortized amount monthly
during the Term of this Lease and any extension thereof.
Section 4.06.Late Charges. Tenant's failure to pay Rent promptly may cause
Landlord to incur unanticipated costs. The exact amount of such costs are
impractical or extremely difficult to ascertain. Such costs may include, but are
not limited to, processing and accounting charges and late charges which may be
imposed on Landlord by any ground lease, mortgage or trust deed encumbering the
Property. Therefore, if Landlord does not receive any payment of Rent within ten
(10) days after it becomes due, Tenant shall pay Landlord a late charge equal to
ten percent (10%) of the overdue amount. The parties agree that such late charge
represents a fair and reasonable estimate of the costs Landlord will incur by
reason of such late payment.
Section 4.07.Interest on Past Due Obligations. Any amount owed by Tenant to
Landlord which is not paid when due shall bear interest at the rate of ten
percent (10%) per annum from the due date of such amount. However, interest
shall not be payable on late charges to be paid by Tenant under this Lease. The
payment of interest on such amounts shall not excuse or cure any default by
Tenant under this Lease. If the interest rate specified in this Lease is higher
than the rate permitted by law, the interest rate is hereby decreased to the
maximum legal interest rate permitted by law.
Section 4.08.Impounds for Insurance Premiums and Real Property Taxes. Tenant
shall pay to Landlord as Additional Rent, a sum equal to one-twelfth (1/12) of
the annual real property taxes and insurance premiums payable by Tenant under
this Lease, together with each payment of Base Rent. Landlord shall hold such
payments in a non-interest bearing impound account. If unknown, Landlord shall
reasonably estimate the amount of real property taxes and insurance premiums
when due. Landlord shall furnish Tenant with a statement showing the actual
expenses incurred and paid by Landlord against the estimated payments made by
Tenant to Landlord therefor. Tenant shall pay any deficiency of funds in the
impound account to Landlord upon written request. Landlord shall refund or
credit to Tenant any surplus in the impound account within ten (10) days after
such reconciliation statement is provided to Tenant. If Tenant defaults under
this Lease, Landlord may apply any funds in the impound account to any
obligation then due under this Lease.
ARTICLE FIVE: USE OF PROPERTY
-----------------------------
Section 5.01.Permitted Uses. Tenant may use the Property only for the Permitted
Uses set forth in Section 1.06 above.
Section 5.02.Manner of Use. Tenant shall not cause or permit the Property to be
used in any way which constitutes a violation of any law, ordinance, or
governmental regulation or order, which annoys or interferes with

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the rights of tenants of the Project, or which constitutes a nuisance or waste.
Tenant shall obtain and pay for all permits, including a Certificate of
Occupancy, required for Tenant's occupancy of the Property and shall promptly
take all actions necessary to comply with all applicable statutes, ordinances,
rules, regulations, orders and requirements regulating the use by Tenant of the
Property, including the Occupational Safety and Health Act. Section
5.03.Hazardous Materials. As used in this Lease, the term "Hazardous Material"
means any flammable items, explosives, radioactive materials, hazardous or toxic
substances, material or waste or related materials, including any substances
defined as or included in the definition of "hazardous substances", "hazardous
wastes", "hazardous materials" or "toxic substances" now or subsequently
regulated under any applicable federal, state or local laws or regulations,
including without limitation petroleum-based products, paints, solvents, lead,
cyanide, DDT, printing inks, acids, pesticides, ammonia compounds and other
chemical products, asbestos, PCBs and similar compounds, and including any
different products and materials which are subsequently found to have adverse
effects on the environment or the health and safety of persons. Tenant shall not
cause or permit any Hazardous Material to be generated, produced, brought upon,
used, stored, treated or disposed of in or about the Property by Tenant, its
agents, employees, contractors, sublessees or invitees without the prior written
consent of Landlord. Landlord shall be entitled to take into account such other
factors or facts as Landlord may reasonably determine to be relevant in
determining whether to grant or withhold consent to Tenant's proposed activity
with respect to Hazardous Material. In no event, however, shall Landlord be
required to consent to the installation or use of any storage tanks on the
Property.
Section 5.04.Signs and Auctions. Tenant shall not place any signs on the
Property without Landlord's prior written consent. Subject to the limitations
set forth in the CC&R's and Landlord's approval of the positioning and location,
Landlord grants to Tenant the exclusive right to place a sign on the South
"upper eyebrow" face of Building A. Additionally, Landlord shall allow Tenant to
place signage on the Southeast side of Building A. All such signage shall be
installed and maintained at the sole cost of Tenant and in accordance with
Landlord's and the Association's signage criteria. Tenant shall be obligated to
remove such signage and repair the building to its prior condition upon the
expiration or sooner termination of this Lease. Tenant shall not allow any
subtenant to place a sign on the Property without the prior written consent of
Landlord, which consent shall be given or withheld in the sole discretion of
Landlord. Tenant shall not conduct or permit any auctions or sheriff's sales at
the Property.
Section 5.05.Indemnity. Tenant shall indemnify Landlord against and hold
Landlord harmless from any and all costs, claims or liability arising from: (a)
Tenant's use of the Property; (b) the conduct of Tenant's business or anything
else done or permitted by Tenant to be done in or about the Property, including
any contamination of the Property or any other property resulting from the
presence or use of Hazardous Material caused or permitted by Tenant; (c) any
breach or default in the performance of Tenant's obligations under this Lease;
(d) any misrepresentation or breach of warranty by Tenant under this Lease; or
(e) other acts or omissions of Tenant. Tenant shall defend Landlord against any
such cost, claim or liability at Tenant's expense with counsel reasonably
acceptable to Landlord or, at Landlord's election, Tenant shall reimburse
Landlord for any legal fees or costs incurred by Landlord in connection with any
such claim. As a material part of the consideration to Landlord, Tenant assumes
all risk of damage to property or injury to persons in or about the Property
arising from any cause, and Tenant hereby waives all claims in respect thereof
against Landlord, except for any claim arising out of Landlord's gross
negligence or willful misconduct. As used in this Section, the term "Tenant"
shall include Tenant's employees, agents, contractors and invitees, if
applicable.
Section 5.06.Landlord's Access. Landlord or its agents may enter the Property at
all reasonable times to show the Property to potential buyers, investors or
tenants or other parties; to perform any work or provide any services which
Landlord is obligated to perform or provide to Tenant under this Lease or by
applicable law, to inspect and conduct tests in order to monitor Tenant's
compliance with all applicable environmental laws and all laws governing the
presence and use of Hazardous Materials; or for any other reasonable and
necessary purpose. Landlord shall give Tenant prior notice of such entry, except
in the case of an emergency. Landlord may place customary "For Sale" or "For
Lease" signs on the Property.
Section 5.07.Quiet Possession. If Tenant pays the Rent and complies with all
other terms of this Lease, Tenant may occupy and enjoy the Property for the full
Lease Term, subject to the provisions of this Lease.
ARTICLE SIX: CONDITION OF PROPERTY; MAINTENANCE, REPAIRS AND ALTERATIONS
------------------------------------------------------------------------
Section 6.01.Existing Conditions. Tenant accepts the Property in its condition
as of the execution of the Lease, subject to all recorded matters, laws,
ordinances, and governmental regulations and orders. Except as provided herein,
Tenant acknowledges that neither Landlord nor any agent of Landlord has made any
representations as to the condition of the Property or the suitability of the
Property for Tenant's intended use. Tenant represents and warrants that Tenant
has made its own inspection of and inquiry regarding the condition of the
Property and is not relying on any representations of Landlord or any Broker
with respect thereto. If Landlord or Landlord's Broker has provided a Property
Information Sheet or other Disclosure Statement regarding the Property, a copy
is attached as an exhibit to the Lease.
Section 6.02.Exemption of Landlord from Liability. Landlord shall not be liable
for any damage or injury to the person, business (or any loss of income
therefrom), goods, wares, merchandise or other property of Tenant, Tenant's
employees, invitees, customers or any other person in or about the Property,
whether such damage or injury is caused by or results from: (a) fire, steam,
electricity, water, gas or rain; (b) the breakage, leakage,

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obstruction or other defects of pipes, sprinklers, wires, appliances, plumbing,
air conditioning or lighting fixtures or any other cause; (c) conditions arising
in or about the Property or upon other portions of the Project, or from other
sources or places; or (d) any act or omission of any other tenant of the
Project. Landlord shall not be liable for any such damage or injury even though
the cause of or the means of repairing such damage or injury are not accessible
to Tenant. The provisions of this Section 6.02 shall not, however, exempt
Landlord from liability for Landlord's gross negligence or willful misconduct of
Landlord.
Section 6.03. Landlord's Obligations.
(a)Except as provided in Article Seven (Damage or Destruction) and Article Eight
(Condemnation), Landlord shall use reasonable efforts to cause the Association
to keep the following in good order, condition and repair: the foundations,
exterior walls and roof of the Property (including painting the exterior surface
of the exterior walls of the Property not more often than once every five (5)
years, if necessary) and all components of electrical, mechanical, plumbing,
heating and air conditioning systems and facilities located in the Project which
are concealed or used in common by Tenants of the Project. However, neither
Landlord nor the Association shall be obligated to maintain or repair windows,
doors, plate glass or the interior surfaces of exterior walls except those of
the common areas. Landlord shall make, or cause to be made, repairs under this
Section 6.03 within a reasonable time after receipt of written notice from
Tenant of the need for such repairs. Landlord and Tenant acknowledge that
Building A was recently constructed and has not been occupied prior to this
Lease. Accordingly, Landlord represents and warrants, for a period of one (1)
year from the notice of completion, that the Property, excluding any portion of
the Property that Tenant is obligated to maintain, is free of defects in
material and labor, and that all building systems constructed or installed by or
for Landlord are new and in good working order. In the event that one or more
defects are found, within such one (1) year period, Landlord shall, upon written
notice from Tenant, cause any defect in material or labor to be corrected at
Landlord's sole cost and expense, without pass-through to Tenant.
(b)Tenant shall pay or reimburse the Association for all costs the Association
incurs under Paragraph 6.03(a) above as Common Area costs as provided for in
Section 4.05 of the Lease. Tenant waives the benefit of any statute in effect
now or in the future which might give Tenant the right to make repairs at
Landlord's expense or to terminate this Lease due to Landlord's failure to keep
the Property in good order, condition and repair.
Section 6.04. Tenant's Obligations.
(a)Except as provided in Section 6.03, Article Seven (Damage or Destruction) and
Article Eight (Condemnation), Tenant shall keep all portions of the Property
(including structural, nonstructural, interior, systems and equipment) in good
order, condition and repair (including interior repainting and refinishing, as
needed). If any portion of the Property or any system or equipment in the
Property which Tenant is obligated to repair cannot be fully repaired or
restored, Tenant shall promptly replace such portion of the Property or system
or equipment in the Property, regardless of whether the benefit of such
replacement extends beyond the Lease Term; but if the benefit or useful life of
such replacement extends beyond the Lease Term (as such term may be extended by
exercise of any options), the useful life of such replacement shall be prorated
over the remaining portion of the Lease Term (as extended), and Tenant shall be
liable only for that portion of the cost which is applicable to the Lease Term
(as extended). Tenant shall maintain a preventive maintenance contract providing
for the regular inspection and maintenance of the heating and air conditioning
system by a licensed heating and air conditioning contractor, unless Landlord
maintains such equipment under Section 6.03 above. If any part of the Property
or the Project is damaged by any act or omission of Tenant, Tenant shall pay
Landlord the cost of repairing or replacing such damaged property, whether or
not Landlord would otherwise be obligated to pay the cost of maintaining or
repairing such property. It is the intention of Landlord and Tenant that at all
times Tenant shall maintain the portions of the Property which Tenant is
obligated to maintain in an attractive, first-class and fully operative
condition. It is Tenant's responsibility to maintain or repair windows, doors,
plate glass or the interior surfaces of the exterior walls except those of the
common areas, which shall be the Association's responsibility.
(b)Tenant shall fulfill all of Tenant's obligations under this Section 6.04 at
Tenant's sole expense. If Tenant fails to maintain, repair or replace the
Property as required by this Section 6.04, Landlord may, upon ten (10) days'
prior notice to Tenant (except that no notice shall be required in the case of
an emergency), enter the Property and perform such maintenance or repair
(including replacement, as needed) on behalf of Tenant. In such case, Tenant
shall reimburse Landlord for all costs incurred in performing such maintenance
or repair immediately upon demand.
Section 6.05. Alterations, Additions, and Improvements.
(a)Tenant shall not make any alterations, additions, or improvements to the
Property without Landlord's prior written consent, except for non-structural
alterations which do not exceed Ten Thousand Dollars ($10,000) in cost
cumulatively over the Lease Term and which are not visible from the outside of
any building of which the Property is part. Landlord may require Tenant to
provide demolition and/or lien and completion bonds in form and amount
satisfactory to Landlord. Tenant shall promptly remove any alterations,
additions, or improvements constructed in violation of this Paragraph 6.05(a)
upon Landlord's written request. All alterations, additions, and improvements
shall be done in a good and workmanlike manner, in conformity with all
applicable laws and regulations, and by a contractor approved by Landlord. Upon
completion of any such work, Tenant shall provide Landlord with "as built"
plans, copies of all construction contracts, and proof of payment for all labor
and materials.
(b)Tenant shall pay when due all claims for labor and material furnished to the
Property. Tenant shall give Landlord at least twenty (20) days' prior written
notice of the commencement of any work on the Property, regardless of whether
Landlord's consent to such work is required. Landlord may elect to record and
post notices of non-responsibility on the Property.

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Section 6.06.Condition upon Termination. Upon termination of the Lease, Tenant
shall surrender the Property to Landlord, broom clean and in the same condition
as received except for ordinary wear and tear which Tenant was not otherwise
obligated to remedy under any provision of this Lease. However, Tenant shall not
be obligated to repair any damage which Landlord is required to repair under
Section 6.03, Article Seven (Damage or Destruction) or Article Eight
(Condemnation). In addition, Landlord may require Tenant to remove any
alterations, additions or improvements (whether or not made with Landlord's
consent) prior to the expiration of the Lease and to restore the Property to its
prior condition, all at Tenant's expense. All alterations, additions and
improvements which Landlord has not required Tenant to remove shall become
Landlord's property and shall be surrendered to Landlord upon the expiration or
earlier termination of the Lease, except that Tenant may remove any of Tenant's
machinery or equipment (including, without limitation, automated teller
machines, vaults, vault doors, safes, and teller stations) which can be removed
without material damage to the Property. Tenant shall repair, at Tenant's
expense, any damage to the Property caused by the removal of any such machinery
or equipment. In no event, however, shall Tenant remove any of the following
materials or equipment (which shall be deemed Landlord's property) without
Landlord's prior written consent: any power wiring or power panels; lighting or
lighting fixtures; wall coverings; drapes, blinds or other window coverings;
carpets or other floor coverings; heaters, air conditioners or any other heating
or air conditioning equipment; fencing or security gates; or other similar
building operating equipment and decorations.
ARTICLE SEVEN: DAMAGE OR DESTRUCTION
------------------------------------
Section 7.01. Partial Damage to Property.
(a)Tenant shall notify Landlord in writing immediately upon the occurrence of
any damage to the Property. If the Property is only partially damaged (i.e.,
less than fifty percent (50%) of the Property is untenantable as a result of
such damage or less than fifty percent (50%) of Tenant's operations are
materially impaired) and if the proceeds received by Landlord from the insurance
policies described in Paragraph 4.04(b) are sufficient to pay for the necessary
repairs, this Lease shall remain in effect and Landlord shall repair the damage
as soon as is reasonably possible. Landlord may elect (but is not required) to
repair any damage to Tenant's fixtures, equipment, or improvements.
(b)If the insurance proceeds received by Landlord are not sufficient to pay the
entire cost of repair, or if the cause of the damage is not covered by the
insurance policies which Landlord maintains under Paragraph 4.04(b), Landlord
may elect either to (i) repair the damage as soon as reasonably possible, in
which case this Lease shall remain in full force and effect, or (ii) terminate
this Lease as of the date the damage occurred. Landlord shall notify Tenant
within thirty (30) days after receipt of notice of the occurrence of the damage
whether Landlord elects to repair the damage or terminate the Lease. If Landlord
elects to repair the damage, Tenant shall pay Landlord the "deductible amount"
(if any) under Landlord's insurance policies and, if the damage was due to an
act or omission of Tenant, or Tenant's employees, agents, contractors or
invitees, the difference between the actual cost of repair and any insurance
proceeds received by Landlord. If Landlord elects to terminate the Lease, Tenant
may elect to continue this Lease in full force and effect, in which case Tenant
shall repair any damage to the Property and any building in which the Property
is located. Tenant shall pay the cost of such repairs, except that upon
satisfactory completion of such repairs, Landlord shall deliver to Tenant any
insurance proceeds received by Landlord for the damage repaired by Tenant.
Tenant shall give Landlord written notice of such election within ten (10) days
after receiving Landlord's termination notice.
(c)If the damage to the Property occurs during the last six (6) months of the
Lease Term and such damage will require more than thirty (30) days to repair,
either Landlord or Tenant may elect to terminate this Lease as of the date the
damage occurred, regardless of the sufficiency of any insurance proceeds. The
party electing to terminate this Lease shall give written notification to the
other party of such election within thirty (30) days after Tenant's notice to
Landlord of the occurrence of the damage.
Section 7.02.Substantial or Total Destruction. If the Property is substantially
or totally destroyed by any cause whatsoever (i.e., the damage to the Property
is greater than partial damage as described in Section 7.01), and regardless of
whether the Landlord receives any insurance proceeds, this Lease shall terminate
as of the date the destruction occurred. Notwithstanding the preceding sentence,
if the Property can be rebuilt within six (6) months after the date of
destruction, Landlord may elect to rebuild the Property at Landlord's own
expense, in which case this Lease shall remain in full force and effect.
Landlord shall notify Tenant of such election within thirty (30) days after
Tenant's notice of the occurrence of total or substantial destruction. If
Landlord so elects, Landlord shall rebuild the Property at Landlord's sole
expense, except that if the destruction was caused by an act or omission of
Tenant, Tenant shall pay Landlord the difference between the actual cost of
rebuilding and any insurance proceeds received by Landlord. Section
7.03.Temporary Reduction of Rent. If the Property is destroyed or damaged and
Landlord or Tenant repairs or restores the Property pursuant to the provisions
of this Article Seven, any rent payable during the period of such damage, repair
and/or restoration shall be reduced according to the degree, if any, to which
Tenant's use of the Property is impaired. However, the reduction shall not
exceed the sum of one year's payment of Base Rent, insurance premiums and real
property taxes. Except for such possible reduction in Base Rent, insurance
premiums and Real property taxes, Tenant shall not be entitled to any
compensation, reduction, or reimbursement from Landlord as a result of any
damage, destruction, repair, or restoration of or to the Property. Section
7.04.Waiver. Tenant waives the protection of any statute, code or judicial
decision which grants a tenant the right to terminate a lease in the event of
the substantial or total destruction of the leased property. Tenant agrees that
the provisions of Section 7.02 above shall govern the rights and obligations of
Landlord and Tenant in

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the event of any substantial or total destruction to the Property.
ARTICLE EIGHT: CONDEMNATION
---------------------------
If all or any portion of the Property is taken under the power of eminent domain
or sold under the threat of that power (all of which are called "Condemnation"),
this Lease shall terminate as to the part taken or sold on the date the
condemning authority takes title or possession, whichever occurs first. If more
than twenty percent (20%) of the floor area of the building in which the
Property is located, or which is located on the Property, is taken, either
Landlord or Tenant may terminate this Lease as of the date the condemning
authority takes title or possession, by delivering written notice to the other
within ten (10) days after receipt of written notice of such taking (or in the
absence of such notice, within ten (10) days after the condemning authority
takes title or possession). If such portion of the parking areas and/or
driveways serving the Property is taken and, as a result, Tenant's ingress and
egress to and from the Property is materially and substantially impaired, Tenant
shall have the right to terminate this Lease as of the date the condemning
authority takes title or possession, by delivering written notice to Landlord as
provided in the preceding sentence. If neither Landlord nor Tenant terminates
this Lease, this Lease shall remain in effect as to the portion of the Property
not taken, except that the Base Rent and Additional Rent shall be reduced in
proportion to the reduction in the floor area of the Property. Any condemnation
award or payment shall be distributed in the following order: (a) first, to any
ground lessor, mortgagee or beneficiary under a deed of trust encumbering the
Property, the amount of its interest in the property; (b) second, to Tenant,
only the amount of any award specifically designated for loss of or damage to
Tenant's trade fixtures or removable personal property; and (c) third, to
Landlord, the remainder of such award, whether as compensation for reduction in
the value of the leasehold, the taking of the fee, or otherwise. If this Lease
is not terminated, Landlord shall repair any damage to the Property caused by
the condemning authority. If the severance damages received by Landlord are not
sufficient to pay for such repair, Landlord shall have the right to either
terminate this Lease or make such repair at Landlord's expense.
ARTICLE NINE: ASSIGNMENT AND SUBLETTING
---------------------------------------
Section 9.01.Landlord's Consent Required. No portion of the Property or of
Tenant's interest in this Lease may be acquired by any other person or entity,
whether by sale, assignment, mortgage, sublease, transfer, operation of law, or
act of Tenant, without Landlord's prior written consent, except as provided in
Section 9.02 below. Landlord has the right to grant or withhold its consent as
provided in Section 9.05 below. Any attempted transfer without consent shall be
void and shall constitute a non-curable breach of this Lease. If Tenant is a
partnership, any cumulative transfer of more than twenty percent (20%) of the
partnership interests shall require Landlord's consent. If Tenant is a
corporation, any change in the ownership of a controlling interest of the voting
stock of the corporation shall require Landlord's consent.
Section 9.02.Tenant Affiliate. Tenant may assign this Lease or sublease the
Property, without Landlord's consent, to any corporation which controls, is
controlled by or is under common control with Tenant, or to any corporation
resulting from the merger of or consolidation with Tenant, or as a result of any
transaction described below ("Tenant's Affiliate"). In such case, any Tenant's
Affiliate shall assume in writing all of Tenant's obligations under this Lease.
         (a) any sale of Tenant's capital stock in any transaction which is
registered pursuant to the Securities Act of 1933, as amended, and the
regulations thereunder, or which is issued for fair value in any transaction
that is exempt from such registration requirements;
_____________________________________________________________________________(b)
any sale or transfer of Tenant's capital stock to any entity formed for the
purpose of owning one-hundred percent (100%) of Tenant's capital stock (i.e.,
formation of a bank holding company);
_______________________________(c) any sale or transfer of Tenant's capital
stock on any public securities exchange;

_____________________________________________________________________________(d)
any transfer of Tenant's capital stock (i) by or among Tenant's shareholders or
members of their immediate families or any such shareholder's testamentary or
inter vivos trust or (ii) upon the death of any such shareholder, or (iii) as
distributions by a partnership or limited liability company shareholder to its
partners or members; or
____________________________________________________________________________(e)
any assignment or subletting to any person or entity which acquires all or
substantially all of the assets of Tenant as a going concern of the business
that is being conducted at the Property by Tenant; provided that the surviving
entity or purchaser in such transaction assumes in writing and agrees to observe
and perform Tenant's obligations under this Lease as a direct obligation to
Landlord.
Section 9.03.No Release of Tenant. No transfer permitted by this Article Nine,
whether with or without Landlord's consent, shall release Tenant or change
Tenant's primary liability to pay the rent and to perform all other obligations
of Tenant under this Lease. Landlord's acceptance of rent from any other person
is not a waiver of any provision of this Article Nine. Consent to one transfer
is not a consent to any subsequent transfer. If Tenant's transferee defaults
under this Lease, Landlord may proceed directly against Tenant without pursuing
remedies against the transferee. Landlord may consent to subsequent assignments
or modifications of this Lease by Tenant's transferee, without notifying Tenant
or obtaining its consent. Such action shall not relieve Tenant`s liability under
this Lease.
Section 9.04.Offer to Terminate. If Tenant desires to assign the Lease or
sublease the Property, Tenant shall have the right to offer, in writing, to
terminate the Lease as of a date specified in the offer. If Landlord elects in
writing to accept the offer to terminate within twenty (20) days after notice of
the offer, the Lease shall terminate as of the

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date specified and all the terms and provisions of the Lease governing
termination shall apply. If Landlord does not so elect, the Lease shall continue
in effect until otherwise terminated and the provisions of Section 9.05 with
respect to any proposed transfer shall continue to apply.
Section 9.05. Landlord's Consent.
(a)Tenant's request for consent to any transfer described in Section 9.01 shall
set forth in writing the details of the proposed transfer, including the name,
business and financial condition of the prospective transferee, financial
details of the proposed transfer (e.g., the term of and the rent and security
deposit payable under any proposed assignment or sublease), and any other
information Landlord deems relevant. Landlord shall have the right to withhold
consent, if reasonable, or to grant consent, based on the following factors; (i)
the business of the proposed assignee or subtenant and the proposed use of the
property; (ii) the net worth and financial reputation of the proposed assignee
or subtenant; (iii) Tenant's compliance with all of its obligations under the
Lease; and (iv) such other factors as Landlord may reasonably deem relevant. If
Landlord objects to a proposed assignment solely because of the net worth and/or
financial reputation of the proposed assignee, Tenant may nonetheless sublease
(but not assign), all or a portion of the Property to the proposed transferee,
but only on the other terms of the proposed transfer.
(b) If Tenant assigns or subleases, the following shall apply:
(i)Tenant shall pay to Landlord as Additional Rent under the Lease the
Landlord's share (stated in Section 1.13) of the Profit (defined below) on such
transaction as and when received by Tenant, unless Landlord gives written notice
to Tenant and the assignee or subtenant that Landlord's Share shall be paid by
the assignee or subtenant to Landlord directly. The "Profit" means (A) all
amounts paid to Tenant for such assignment or sublease, including "key" money,
monthly rent in excess of the monthly rent payable under the Lease, and all fees
and other consideration paid for the assignment or sublease, including fees
under any collateral agreements, less (B) costs and expenses directly incurred
by Tenant in connection with the execution and performance of such assignment or
sublease for real estate broker's commissions and costs of renovation or
construction of tenant improvements required under such assignment or sublease.
Tenant is entitled to recover such costs and expenses before Tenant is obligated
to pay the Landlord's share to Landlord. The Profit in the case of a sublease of
less than all the Property is the rent allocable to the subleased space as a
percentage on a square footage basis.
(ii)Tenant shall provide Landlord a written statement certifying all amounts to
be paid from any assignment or sublease of the Property within thirty (30) days
after the transaction documentation is signed, and Landlord may inspect Tenant's
books and records to verify the accuracy of such statement. On written request,
Tenant shall promptly furnish to Landlord copies of all the transaction
documentation, all of which shall be certified by Tenant to be complete, true
and correct. Landlord's receipt of Landlord's Share shall not be a consent to
any further assignment or subletting. The breach of Tenant's obligation under
this Paragraph 9.05(b) shall be a material default of the Lease.
Section 9.06.No Merger. No merger shall result from Tenant's sublease of the
Property under this Article Nine, Tenant's surrender of this Lease or the
termination of this Lease in any other manner. In any such event, Landlord may
terminate any or all subtenancies or succeed to the interest of Tenant as
sublandlord under any or all subtenancies.
ARTICLE TEN: DEFAULTS; REMEDIES
-------------------------------
Section 10.01.Covenants and Conditions. Tenant's performance of each of Tenant's
obligations under this Lease is a condition as well as a covenant. Tenant's
right to continue in possession of the Property is conditioned upon such
performance. Time is of the essence in the performance of all covenants and
conditions. Section
10.02.Defaults. Tenant shall be in material default under this Lease:
(a)If Tenant abandons the Property or if Tenant's vacation of the Property
results in the cancellation of any insurance described in Section 4.04;
(b) If Tenant fails to pay rent or any other charge when due;
(c)If Tenant fails to perform any of Tenant's non-monetary obligations under
this Lease for a period of thirty (30) days after written notice from Landlord;
provided that if more than thirty (30) days are required to complete such
performance, Tenant shall not be in default if Tenant commences such performance
within the thirty (30) day period and thereafter diligently pursues its
completion. However, Landlord shall not be required to give such notice if
Tenant's failure to perform constitutes a non-curable breach of this Lease. The
notice required by this Paragraph is intended to satisfy any and all notice
requirements imposed by law on Landlord and is not in addition to any such
requirement.
(d)(i) If Tenant makes a general assignment or general arrangement for the
benefit of creditors; (ii) if filing of a petition for relief under the
Bankruptcy Code or the Tenant becomes a debtor under the Bankruptcy Code; (iii)
if a trustee or receiver is appointed to take possession of substantially all of
Tenant's assets located at the Property or of Tenant's interest in this Lease
and possession is not restored to Tenant within thirty (30) days; or (iv) if
substantially all of Tenant's assets located at the Property or of Tenant's
interest in this Lease is subjected to attachment, execution or other judicial
seizure which is not discharged within thirty (30) days. If a court of competent
jurisdiction determines that any of the acts described in this subparagraph (d)
is not a default under this Lease, and a trustee is appointed to take possession
(or if Tenant remains a debtor in possession) and such trustee or Tenant
transfers Tenant's interest hereunder, then Landlord shall receive, as
Additional Rent, the excess, if any, of the rent (or any other consideration)
paid in connection with such assignment or sublease over the rent payable by
Tenant under this Lease.
Section 10.03.Remedies. On the occurrence of any material default by Tenant,
Landlord may, at any time

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thereafter, with or without notice or demand and without limiting Landlord in
the exercise of any right or remedy which Landlord may have:
(a)Terminate Tenant's right to possession of the Property by any lawful means,
in which case this Lease shall terminate and Tenant shall immediately surrender
possession of the Property to Landlord. In such event, Landlord shall be
entitled to recover from Tenant all damages incurred by Landlord by reason of
Tenant's default, including (i) the worth at the time of the award of the unpaid
Base Rent, Additional Rent and other charges which Landlord had earned at the
time of the termination; (ii) the worth at the time of the award of the amount
by which the unpaid Base Rent, Additional Rent and other charges which Landlord
would have earned after termination until the time of the award exceeds the
amount of such rental loss that Tenant proves Landlord could have reasonably
avoided; (iii) the worth at the time of the award of the amount by which the
unpaid Base Rent, Additional Rent and other charges which Tenant would have paid
for the balance of the Lease Term after the time of award exceeds the amount of
such rental loss that Tenant proves Landlord could have reasonably avoided; and
(iv) any other amount necessary to compensate Landlord for all the detriment
proximately caused by Tenant's failure to perform its obligations under the
Lease or which in the ordinary course of things would be likely to result
therefrom, including, but not limited to, any costs or expenses Landlord incurs
in maintaining or preserving the Property after such default, the cost of
recovering possession of the Property, expenses of reletting, including
necessary renovation or alteration of the Property, Landlord's reasonable
attorneys' fees incurred in connection therewith, and any real estate commission
paid or payable. As used in subparts (i) and (ii) above, the "worth at the time
of the award" is computed by allowing interest on unpaid amounts at the rate of
ten percent (10%) per annum, or such lesser amount as may then be the maximum
lawful rate. As used in subpart (iii) above, the "worth at the time of the
award" is computed by discounting such amount at the discount rate of the
Federal Reserve Bank of San Francisco at the time of the award, plus one percent
(1%). If Tenant has abandoned the Property, Landlord shall have the option of
(i) retaking possession of the Property and recovering from Tenant the amount
specified in this Paragraph 10.03(a), or (ii) proceeding under Paragraph
10.03(b);
(b)Maintain Tenant's right to possession, in which case this Lease shall
continue in effect whether or not Tenant has abandoned the Property. In such
event, Landlord shall be entitled to enforce all of Landlord's rights and
remedies under this Lease, including the right to recover the rent as it becomes
due;
(c)Pursue any other remedy now or hereafter available to Landlord under the laws
or judicial decisions of the state in which the Property is located.
Section 10.04.Automatic Termination. Notwithstanding any other term or provision
hereof to the contrary, the Lease shall terminate on the occurrence of any act
which affirms the Landlord's intention to terminate the Lease as provided in
Section 10.03 hereof, including the filing of an unlawful detainer action
against Tenant. On such termination, Landlord's damages for default shall
include all costs and fees, including reasonable attorneys' fees that Landlord
incurs in connection with the filing, commencement, pursuing and/or defending of
any action in any bankruptcy court or other court with respect to the Lease; the
obtaining of relief from any stay in bankruptcy restraining any action to evict
Tenant; or the pursuing of any action with respect to Landlord's right to
possession of the Property. All such damages suffered (apart from Base Rent and
other rent payable hereunder) shall constitute pecuniary damages which must be
reimbursed to Landlord prior to assumption of the Lease by Tenant or any
successor to Tenant in any bankruptcy or other proceeding. Section
10.05.Cumulative Remedies. Landlord's exercise of any right or remedy shall not
prevent it from exercising any other right or remedy.
ARTICLE ELEVEN: PROTECTION OF LENDERS
-------------------------------------
Section 11.01.Subordination. Landlord shall have the right to subordinate this
Lease to any ground lease, deed of trust or mortgage encumbering the Property,
any advances made on the security thereof and any renewals, modifications,
consolidations, replacements or extensions thereof, whenever made or recorded.
Tenant shall cooperate with Landlord and any lender which is acquiring a
security interest in the Property or the Lease. Tenant shall execute such
further documents and assurances as such lender may require, provided that
Tenant's obligations under this Lease shall not be increased in any material way
(the performance of ministerial acts shall not be deemed material), and Tenant
shall not be deprived of its rights under this Lease. Tenant's right to quiet
possession of the Property during the Lease Term shall not be disturbed if
Tenant pays the rent and performs all of Tenant's obligations under this Lease
and is not otherwise in default. If any ground lessor, beneficiary or mortgagee
elects to have this Lease prior to the lien of its ground lease, deed of trust
or mortgage and gives written notice thereof to Tenant, this Lease shall be
deemed prior to such ground lease, deed of trust or mortgage whether this Lease
is dated prior or subsequent to the date of said ground lease, deed of trust or
mortgage or the date of recording thereof.
Section 11.02.Attornment. If Landlord's interest in the Property is acquired by
any ground lessor, beneficiary under a deed of trust, mortgagee, or purchaser at
a foreclosure sale, Tenant shall attorn to the transferee of or successor to
Landlord's interest in the Property and recognize such transferee or successor
as Landlord under this Lease. Tenant waives the protection of any statute or
rule of law which gives or purports to give Tenant any right to terminate this
Lease or surrender possession of the Property upon the transfer of Landlord's
interest.
Section 11.03.Signing of Documents. Tenant shall sign and deliver any instrument
or documents necessary or appropriate to evidence any such attornment or
subordination or agreement to do so. If Tenant fails to do so within ten (10)
days after written request, Tenant hereby makes, constitutes and irrevocably
appoints Landlord, or any transferee or successor of Landlord, the
attorney-in-fact of Tenant to execute and deliver any such

                                                                        59 of 68
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instrument or document.
Section 11.04. Estoppel Certificates. (a)Upon Landlord's written request, Tenant
shall execute, acknowledge and deliver to Landlord a written statement
certifying: (i) that none of the terms or provisions of this Lease have been
changed (or if they have been changed, stating how they have been changed); (ii)
that this Lease has not been cancelled or terminated; (iii) the last date of
payment of the Base Rent and other charges and the time period covered by such
payment; (iv) that Landlord is not in default under this Lease (or, if Landlord
is claimed to be in default, stating why); and (v) such other representations or
information with respect to Tenant or the Lease as Landlord may reasonably
request or which any prospective purchaser or encumbrancer of the Property may
require. Tenant shall deliver such statement to Landlord within ten (10) days
after Landlord's request. Landlord may give any such statement by Tenant to any
prospective purchaser or encumbrancer of the Property. Such purchaser or
encumbrancer may rely conclusively upon such statement as true and correct.
(b)If Tenant does not deliver such statement to Landlord within such ten
(10)-day period, Landlord, and any prospective purchaser or encumbrancer, may
conclusively presume and rely upon the following facts: (i) that the terms and
provisions of this Lease have not been changed except as otherwise represented
by Landlord; (ii) that this Lease has not been cancelled or terminated except as
otherwise represented by Landlord; (iii) that not more than one month's Base
Rent or other charges have been paid in advance; and (iv) that Landlord is not
in default under the Lease. In such event, Tenant shall be estopped from denying
the truth of such facts.
Section 11.05.Tenant's Financial Condition. Within ten (10)-days after written
request from Landlord, Tenant shall deliver to Landlord such financial
statements as Landlord reasonably requires to verify the net worth of Tenant or
any assignee, subtenant, or guarantor of Tenant. In addition, Tenant shall
deliver to any lender designated by Landlord any financial statements required
by such lender to facilitate the financing or refinancing of the Property.
Tenant represents and warrants to Landlord that each such financial statement is
a true and accurate statement as of the date of such statement. All financial
statements shall be confidential and shall be used only for the purposes set
forth in this Lease.
ARTICLE TWELVE: LEGAL COSTS
---------------------------
Section 12.01.Legal Proceedings. If Tenant or Landlord shall be in breach or
default under this Lease, such party (the "Defaulting Party") shall reimburse
the other party (the "Nondefaulting Party") upon demand for any costs or
expenses that the Nondefaulting Party incurs in connection with any breach or
default of the Defaulting Party under this Lease, whether or not suit is
commenced or judgment entered. Such costs shall include legal fees and costs
incurred for the negotiation of a settlement, enforcement of rights or
otherwise. Furthermore, if any action for breach of or to enforce the provisions
of this Lease is commenced, the court in such action shall award to the party in
whose favor a judgment is entered, a reasonable sum as attorneys' fees and
costs. The losing party in such action shall pay such attorneys' fees and costs.
Tenant shall also indemnify Landlord against and hold Landlord harmless from all
costs, expenses, demands and liability Landlord may incur if Landlord becomes or
is made a party to any claim or action (a) instituted by Tenant against any
third party, or by any third party against Tenant, or by or against any person
holding any interest under or using the Property by license of or agreement with
Tenant; (b) for foreclosure of any lien for labor or material furnished to or
for Tenant or such other person; (c) otherwise arising out of or resulting from
any act or transaction of Tenant or such other person; or (d) necessary to
protect Landlord's interest under this Lease in a bankruptcy proceeding, or
other proceeding under Title 11 of the United States Code, as amended. Tenant
shall defend Landlord against any such claim or action at Tenant's expense with
counsel reasonably acceptable to Landlord or, at Landlord's election, Tenant
shall reimburse Landlord for any legal fees or costs Landlord incurs in any such
claim or action. Section 12.02.Landlord's Consent. Tenant shall pay Landlord's
reasonable attorneys' fees incurred in connection with Tenant's request for
Landlord's consent under Article Nine (Assignment and Subletting), or in
connection with any other act which Tenant proposes to do and which requires
Landlord's consent.
ARTICLE THIRTEEN: MISCELLANEOUS PROVISIONS
------------------------------------------
Section 13.01.Non-Discrimination. Tenant promises, and it is a condition to the
continuance of this Lease, that there will be no discrimination against, or
segregation of, any person or group of persons on the basis of race, color, sex,
creed, national origin or ancestry in the leasing, subleasing, transferring,
occupancy, tenure or use of the Property or any portion thereof.
Section 13.02. Landlord's Liability; Certain Duties.
(a)As used in this Lease, the term "Landlord" means only the current owner or
owners of the fee title to the Property or Project or the leasehold estate under
a ground lease of the Property at the time in question. Each Landlord is
obligated to perform the obligations of Landlord under this Lease only during
the time such Landlord owns such interest or title. Any Landlord who transfers
its title or interest is relieved of all liability with respect to the
obligations of Landlord under this Lease to be performed on or after the date of
transfer. However, each Landlord shall deliver to its transferee all funds that
Tenant previously paid if such funds have not yet been applied under the terms
of this Lease.
(b)Tenant shall give written notice of any failure by Landlord to perform any of
its obligations under this Lease to Landlord and to any ground lessor, mortgagee
or beneficiary under any deed of trust encumbering the Property whose name and
address have been furnished to Tenant in writing. Landlord shall not be in
default under this Lease unless Landlord (or such ground lessor, mortgagee, or
beneficiary) fails to cure such non-performance within thirty (30) days after
receipt of Tenant's notice. However, if such non-performance reasonably requires
more than thirty (30) days to cure, Landlord shall not be in default if such
cure is commenced within such thirty (30)-day period and thereafter diligently
pursued to

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completion.
(c)Notwithstanding any term or provision herein to the contrary, the liability
of Landlord for the performance of its duties and obligations under this Lease
is limited to Landlord's interest in the Property and the Project, and neither
the Landlord nor its partners, shareholders, officers or other principals shall
have any personal liability under this Lease.
Section 13.03.Severability. A determination by a court of competent jurisdiction
that any provision of this Lease or any part thereof is illegal or unenforceable
shall not cancel or invalidate the remainder of such provision of this Lease,
which shall remain in full force and effect.
Section 13.04.Interpretation. The captions of the Articles or Sections of this
Lease are to assist the parties in reading this Lease and are not a part of the
terms or provisions of this Lease. Whenever required by the context of this
Lease, the singular shall include the plural and the plural shall include the
singular. The masculine, feminine and neuter genders shall each include the
other. In any provision relating to the conduct, acts or omissions of Tenant,
the term "Tenant" shall include Tenant's agents, employees, contractors,
invitees, successors or others using the Property with Tenant's expressed or
implied permission.
Section 13.05.Incorporation of Prior Agreements; Modifications. This Lease is
the only agreement between the parties pertaining to the lease of the Property
and no other agreements are effective. All amendments to this Lease shall be in
writing and signed by all parties. Any other attempted amendment shall be void.
Section 13.06.Notices. All notices required or permitted under this Lease shall
be in writing and shall be personally delivered or sent by certified mail,
return receipt requested, postage prepaid. Notices to Tenant shall be delivered
to the address specified in Section 1.03 above, except that upon Tenant's taking
possession of the Property, the Property shall be Tenant's address for notice
purposes. Notices to Landlord shall be delivered to the address specified in
Section 1.02 above. All notices shall be effective upon delivery. Either party
may change its notice address upon written notice to the other party.
Section 13.07.Waivers. All waivers must be in writing and signed by the waiving
party. Landlord's failure to enforce any provision of this Lease or its
acceptance of rent shall not be a waiver and shall not prevent Landlord from
enforcing that provision or any other provision of this Lease in the future. No
statement on a payment check from Tenant or in a letter accompanying a payment
check shall be binding on Landlord. Landlord may, with or without notice to
Tenant, negotiate such check without being bound to the conditions of such
statement.
Section 13.08.No Recordation. Tenant shall not record this Lease without prior
written consent from Landlord. However, either Landlord or Tenant may require
that a "Short Form" memorandum of this Lease executed by both parties be
recorded. The party requiring such recording shall pay all transfer taxes and
recording fees.
Section 13.09.Binding Effect; Choice of Law. This Lease binds any party who
legally acquires any rights or interest in this Lease from Landlord or Tenant.
However, Landlord shall have no obligation to Tenant's successor unless the
rights or interests of Tenant's successor are acquired in accordance with the
terms of this Lease. The laws of the state in which the Property is located
shall govern this Lease.
Section 13.10. Authority; Government Approvals.
(a) Corporate Authority. If Tenant is a corporation, each person signing this
Lease on behalf of Tenant represents and warrants that he has full authority to
do so and that this Lease binds the corporation. Within thirty (30) days after
this Lease is signed, Tenant shall deliver to Landlord a certified copy of a
resolution of Tenant's Board of Directors authorizing the execution of this
Lease or other evidence of such authority reasonably acceptable to Landlord.
(b) Government Approvals. This Lease, and the parties' respective rights and
obligations hereunder, is expressly conditioned on Tenant having obtained all
necessary approvals from governmental authorities having jurisdiction over
Tenant, for establishing a branch bank facility at the Property. Tenant shall
use commercially reasonable efforts to obtain such approvals within thirty (30)
days after both parties have executed and delivered this Lease. Prior to Tenant
receiving such approval or waiving the condition provided in this Subsection,
Tenant shall have no right to early access of the Property for any purpose.
Section 13.11. Intentionally Omitted.
Section 13.12.Force Majeure. If Landlord cannot perform any of its obligations
due to events beyond Landlord's control, the time provided for performing such
obligations shall be extended by a period of time equal to the duration of such
events. Events beyond Landlord's control include, but are not limited to, acts
of God, war, civil commotion, labor disputes, strikes, fire, flood or other
casualty, shortages of labor or material, governmental regulation or restriction
and weather conditions.
Section 13.13.Execution of Lease. This Lease may be executed in counterparts
and, when all counterpart documents are executed, the counterparts shall
constitute a single binding instrument. Landlord's delivery of this Lease to
Tenant shall not be deemed to be an offer to lease and shall not be binding upon
either party until executed and delivered by both parties.
Section 13.14.Survival. All representations and warranties of Landlord and
Tenant shall survive the termination of the Lease.
ARTICLE FOURTEEN: BROKERS
-------------------------
Section 14.01.Broker's Fee. When this Lease is signed by and delivered to both
Landlord and Tenant, Landlord shall pay a real estate commission to Landlord's
Broker named in Section 1.08 above, if any, as provided in the written agreement
between Landlord and Landlord's Broker, or the sum stated in Section 1.09 above
for services rendered to Landlord by Landlord's Broker in this transaction.
Landlord shall pay Landlord's Broker a

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commission if Tenant exercises any option to extend the Lease Term or to buy the
Property, or any similar option or right which Landlord may grant to Tenant, or
if Landlord's Broker is the procuring cause of any other lease or sale entered
into between Landlord and Tenant covering the Property. Such commission shall be
in the amount set forth in Landlord's Broker's commission schedule in effect as
of the execution of this Lease. If a Tenant's Broker is named in Section 1.08
above, Landlord's Broker shall pay an appropriate portion of its commission to
Tenant's Broker if so provided in any agreement between Landlord's Broker and
Tenant's Broker. Nothing contained in this Lease shall impose any obligation on
Landlord to pay a commission or fee to any party other than Landlord's Broker.
Section
14.02.Protection of Brokers. If Landlord sells the Property, or assigns
Landlord's interest in this Lease, to buyer or assignee shall, by accepting such
conveyance of the Property or assignment of the Lease, be conclusively deemed to
have agreed to make all payments to Landlord's Broker thereafter required of
Landlord under this Article Fourteen. Landlord's Broker shall have the right to
bring a legal action to enforce or declare rights under this provision. The
prevailing party in such action shall be entitled to reasonable attorneys' fees
to be paid by the losing party. Such attorneys' fees shall be fixed by the court
in such action. This Paragraph is included in this Lease for the benefit of
Landlord's Broker.
Section 14.03.Agency Disclosure. No Other Brokers. Landlord and Tenant each
warrant that they have dealt with no other real estate broker(s) in connection
with this transaction except: CB Richard Ellis, Inc., who represents Landlord
and, CB Richard Ellis, Inc. who represents Tenant.
         In the event that CB Richard Ellis, Inc. represents both Landlord and
Tenant, Landlord and Tenant hereby confirm that they were timely advised of the
dual representation and that they consent to the same, and that they do not
expect said broker to disclose to either of them the confidential information of
the other party.
ARTICLE FIFTEEN: COMPLIANCE
---------------------------
         Section 15.01. Compliance. The parties hereto agree to comply with all
applicable federal, state and local laws, regulations, codes, ordinances and
administrative orders having jurisdiction over the parties, property or the
subject matter of this Agreement, including, but not limited to, the 1964 Civil
Rights Act and all amendments thereto, the Foreign Investment in Real Property
Tax Act, the Comprehensive Environmental Response Compensation and Liability
Act, and The Americans With Disabilities Act.
ARTICLE SIXTEEN: TENANT IMPROVEMENTS
------------------------------------
         Section 16.01. Improvement Allowance.
         (a) Payment Upon Completion. Landlord shall provide to Tenant a "Tenant
Improvement Allowance" in the amount of $333,200 (equals $40 per 8,330 useable
square feet of the Property). The Tenant Improvement Allowance shall be paid to
Tenant within ten (10) days after Landlord's receipt of a Notice of Completion
evidencing that the Tenant Improvements have been completed, but only for that
portion of the Property for which Tenant Improvements have been completed and
that Tenant is then occupying and using for normal business operations. For
example, if Tenant Improvements are completed on one-half of the Property,
Tenant shall receive $166,600 within ten (10) days after Landlord receives a
Notice of Completion. Tenant shall be responsible for any Tenant Improvement
costs incurred that is in excess of the Tenant Improvement Allowance.
         (b) Early Termination. In the event that this Lease is terminated prior
to the scheduled expiration of the Term for any reason other than the default of
Landlord or as provided by Articles 7 and 8, Tenant shall pay to Landlord the
unamortized portion of the Tenant Improvement Allowance as follows. Tenant shall
pay to Landlord, within fifteen (15) days after such early termination, an
amount equal to the Tenant Improvement Allowance actually paid by Landlord to
Tenant multiplied by a fraction, the numerator of which shall be the number of
whole months by which the Term was cut short and the denominator of which shall
be one hundred twenty (120) months.
         Section 16.02. Landlord's Approval Required. Tenant shall cause plans
and specifications for the Tenant Improvements to be prepared by Lesovsky and
Donaldson Architects. Landlord shall cooperate with Tenant in the development of
such plans and specifications, providing such information concerning the
construction of the Building A shell and related systems as may be required by
the architect. The final plans and specifications shall be subject to Landlord's
reasonable approval.
         Section 16.03. Licensed Contractors. All Tenant Improvement work shall
be done by licensed contractors selected by Tenant, subject to Landlord's
reasonable approval. Tenant shall submit its plans and specifications for the
Tenant Improvements to TMW & Associates, Stockton, California, and to up to two
additional general contractors, approved by Landlord, to obtain their respective
bids
         Section 16.04. Automated Teller. Tenant and Landlord shall agree to an
acceptable location for the installation of a banking automated teller machine
(ATM) located at the southeast corner of the building at the south side of main
entrance (Subject to Association approval, Tenant & Landlord to agree to
acceptable design and access planning so as maintain conformity with building).
Tenant shall be responsible for the cost of the ATM and building alterations to
accommodate the ATM machine. Tenant shall be responsible for the cost of the
removal of the ATM machine and returning the building back to its original
condition unless otherwise agreed by the parties. The construction shall be
completed within 60 days following the Lease expiration date.
         Landlord and Tenant have signed this Lease at the place and on the
dates specified adjacent to their signatures below and have initialed all Riders
which are attached to or incorporated by reference in this Lease.

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                                                        "LANDLORD"

Signed on October 3, 2005
          ---------------------------   ----------------------------------------
at  Lodi, California                      Millsbridge Office Park East, LP
    ---------------------------------   ----------------------------------------
                                        By: /s/ RONALD B. THOMAS REVOCABLE TRUST
                                            ------------------------------------
                                            Ronald B. Thomas Revocable Trust

                                        Its:    General Partner
                                             -----------------------------------

Signed on October 3, 2005
          ---------------------------   ----------------------------------------

at Lodi, California                       Millsbridge Office Park East, LP
    ---------------------------------   ----------------------------------------
                                        By: /s/ J. JEFFREY AND CAROL KIRST
                                                REVOCABLE TRUST
                                            ------------------------------------
                                            J. Jeffrey and Carol Kirst
                                            Revocable Trust

                                        Its:    General Partner
                                             -----------------------------------


                                    "TENANT"

Signed on October 3, 2005                 Service 1st Bank
          ---------------------------   ----------------------------------------
at Lodi, California
    ---------------------------------   ----------------------------------------
                                        By: /s/ JOHN BROOKS
                                            ------------------------------------
                                                John Brooks

                                       Its:     Chairman
                                            ------------------------------------

Signed on October 3, 2005                 Service 1st Bank
          ---------------------------   ----------------------------------------
at Lodi, California
    ---------------------------------   ----------------------------------------
                                        By: /s/ BRIAN HYZDU
                                            ------------------------------------
                                                Brian Hyzdu

                                        Its:    President & CEO
                                             -----------------------------------


--------------------------------------------------------------------------------
CONSULT YOUR ADVISORS - This document (including its exhibits and addenda, if
any) has been prepared for review and approval by your attorney. Broker makes no
representation or recommendation as to the legal sufficiency or tax consequences
of this document or the transaction to which it relates. Consult your attorney
and tax accountant.
--------------------------------------------------------------------------------

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                  CB RICHARD ELLIS, INC. SALE/LEASE DISCLOSURES
                  ---------------------------------------------

Property: 1901 West Kettleman Lane, Building A, Suite 1A, Lodi, CA
          --------------------------------------------------------

Flood Zones. According to FEMA Map#: 060299-0285B 7/4/88 [specify source], the
Property [ ] is / [ ] may or may not be located in a flood zone. Many lenders
require flood insurance for properties located in flood zones, and government
authorities may regulate development and construction in flood zones. Whether or
not located in a flood zone, properties can be subject to flooding and moisture
problems, especially properties on a slope or in low-lying areas or in a dam
inundation zone (California Government Code Section 8589.5). Buyers and tenants
should have their experts confirm whether the Property is in a flood zone and
otherwise investigate and evaluate these matters. Flood Zone Designation: Zone X

Earthquakes. Earthquakes occur throughout California. According to Fault-Rupture
Hazard Zones in California Special Publication 42 [specify source], the Property
[ ]is / [ ] may or may not be situated in an Earthquake Fault Zone and/or a
Seismic Hazard Zone (Sections 2621 et seq. and Sections 2690 et seq. of the
California Public Resources Code, respectively). Property development and
construction in such zones generally are subject to the findings of a geologic
report prepared by a state-registered geologist. Whether or not located in such
a zone, all properties in California are subject to earthquake risks and may be
subject to a variety of state and local earthquake-related requirements,
including retrofit requirements. Among other items, all new and existing water
heaters must be braced, anchored or strapped to resist falling or horizontal
displacement, and in sales transactions, sellers must execute a written
certification that the water heaters are so braced, anchored or strapped
(California Health and Safety Code Section 19211). Buyers and tenants should
have their experts confirm whether the Property is in any earthquake zone and
otherwise investigate and evaluate these matters.

Hazardous Materials and Underground Storage Tanks. Due to prior or current uses
of the Property or in the area or the construction materials used, the Property
may have hazardous or undesirable metals (including lead-based paint), minerals
(including asbestos), chemicals, hydrocarbons, petroleum-related compounds, or
biological or radioactive/emissive items (including electrical and magnetic
fields) in soils, water, building components, above or below-ground
tanks/containers or elsewhere in areas that may or may not be accessible or
noticeable. Such items may leak or otherwise be released. Asbestos has been used
in items such as fireproofing, heating/cooling systems, insulation, spray-on and
tile acoustical materials, floor tiles and coverings, roofing, drywall and
plaster. If the Property was built before 1978 and has a residential unit,
sellers/landlords must disclose all reports, surveys and other information known
to them regarding lead-based paint to buyers and tenants and allow for
inspections (42 United States Code Sections 4851 et seq.). Sellers/landlords are
required to advise buyers/tenants if they have any reasonable cause to believe
that any hazardous substance has come to be located on or beneath the Property
(California Health and Safety Code Section 25359.7), and sellers/landlords must
disclose reports and surveys regarding asbestos to certain persons, including
their employees, contractors, buyers and tenants (California Health and Safety
Code Sections 25915 et seq.); buyers/tenants have similar obligations. Have your
experts investigate and evaluate these matters.

Americans with Disabilities Act (ADA). The Americans With Disabilities Act (42
United States Code Sections 12101 et seq.) and other federal, state and local
requirements may require changes to the Property. Have your experts investigate
and evaluate these matters.

Taxes. Sales, leases and other real estate transactions can have federal, state
and local tax consequences. In sales transactions, Internal Revenue Code Section
1446 requires buyers to withhold and pay to the IRS 10% of the gross sales price
within 10 days of the date of a sale unless the buyers can establish that the
sellers are not foreigners, generally by having the sellers sign a Non-Foreign
Seller Affidavit. Depending on the structure of the transaction, the tax
withholding liability can exceed the net cash proceeds to be paid to the sellers
at closing. California imposes an additional withholding requirement equal to 3
1/3% of the gross sales price not only on foreign sellers but also out-of-state
sellers and sellers leaving the state if the sales price exceeds $100,000.
Withholding generally is required if the last known address of a seller is
outside California, if the proceeds are disbursed outside of California or if a
financial intermediary is used. Have your experts investigate and evaluate these
matters.

Fires. California Public Resources Codes Sections 4125 et seq. require sellers
of real property located within state responsibility areas to advise buyers that
the property is located within such a wildland zone, that the state does not
have the responsibility to provide fire protection services to any structure
within such a zone and that such zones may contain substantial forest/wildland
fire risks. Government Code Sections 51178 et seq. require sellers of real
property located within certain fire hazard zones to disclose that the property
is located in such a zone. Sellers must disclose that a property located in a
wildland or fire hazard zone is subject to the fire prevention requirements of
Public Resources Code Section 4291 and Government Code Section 51182,
respectively. Sellers must make such disclosures if either the sellers have
actual knowledge that a property is in such a zone or a map showing the property
to be in such a zone has been provided to the county assessor. Properties,
whether or not located in such a zone, are subject to fire/life safety risks and
may be subject to state and local fire/life safety-related requirements,
including retrofit requirements. Have your experts investigate and evaluate
these matters.

Broker Representation. CB Richard Ellis, Inc. is a national brokerage firm
representing a variety of clients. Depending on the circumstances, CB Richard
Ellis, Inc. may represent both the seller/landlord and the buyer/tenant in a
transaction, or you may be interested in a property that may be of interest to
other CB Richard Ellis, Inc. clients. If CB Richard Ellis, Inc. represents more
than one party with respect to a property, CB Richard Ellis, Inc. will not
disclose the confidential information of one principal to the other.

Seller/Landlord Disclosure, Delivery of Reports, Pest Control Reports and
Compliance with Laws. Sellers/landlords are hereby requested to disclose
directly to buyers/tenants all information known to sellers/landlords regarding
the Property, including but not limited to, hazardous materials (including toxic
mold contamination), zoning, construction, design, engineering, soils, title,

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survey, fire/life safety, and other matters, and to provide buyers/tenants with
copies of all reports in the possession of or accessible to sellers/landlords
regarding the Property. Sellers/landlords and buyers/tenants must comply with
all applicable federal, state and local laws, regulations, codes, ordinances and
administrative orders, including, but not limited to, the 1964 Civil Rights Act
and all amendments thereto, the Foreign Investment in Real Property Tax Act, the
Comprehensive Environmental Response Compensation and Liability Act, and The
Americans With Disabilities Act. If a pest control report is a condition of the
purchase contract, buyers are entitled to receive a copy of the report and any
certification and notice of work completed.

Property Inspections and Evaluations. Buyers/tenants should have the Property
thoroughly inspected and all parties should have the transaction thoroughly
evaluated by the experts of their choice. Ask your experts what investigations
and evaluations may be appropriate as well as the risks of not performing any
such investigations or evaluations. Information regarding the Property supplied
by the real estate brokers has been received from third party sources and has
not been independently verified by the brokers. Have your experts verify all
information regarding the Property, including any linear or area measurements
and the availability of all utilities. All work should be inspected and
evaluated by your experts, as they deem appropriate. Any projections or
estimates are for example only, are based on assumptions that may not occur and
do not represent the current or future performance of the property. Real estate
brokers are not experts concerning nor can they determine if any expert is
qualified to provide advice on legal, tax, design, ADA, engineering,
construction, soils, title, survey, fire/life safety, insurance, hazardous
materials (including toxic mold contamination), or other such matters. Such
areas require special education and, generally, special licenses not possessed
by real estate brokers. Consult with the experts of your choice regarding these
matters.

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