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Exhibit 10.1




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PageARTICLE 1BASIC LEASE INFORMATION AND CERTAIN DEFINITIONS
    
    1ARTICLE 2PREMISES AND QUIET ENJOYMENT
    
    2ARTICLE 3TERM; COMMENCEMENT DATE; DELIVERY AND ACCEPTANCE OF
PREMISES
    
    2ARTICLE 4RENT
    
    3ARTICLE 5OPERATING COSTS
    
    4ARTICLE 6PARKING
    
    6ARTICLE 7SERVICES OF LANDLORD
    
    6ARTICLE 8ASSIGNMENT AND SUBLETTING
    
    7ARTICLE 9REPAIRS
    
    9ARTICLE 10ALTERATIONS
    
    10ARTICLE 11LIENS
    
    11ARTICLE 12USE AND COMPLIANCE WITH LAWS
    
    11ARTICLE 13DEFAULT AND REMEDIES
    
    12ARTICLE 14INSURANCE
    
    13ARTICLE 15DAMAGE BY FIRE OR OTHER CAUSE
    
    14ARTICLE 16CONDEMNATION
    
    15ARTICLE 17INDEMNIFICATION
    
    16ARTICLE 18SUBORDINATION AND ESTOPPEL CERTIFICATES
    
    16ARTICLE 19SURRENDER OF THE PREMISES
    
    17ARTICLE 20LANDLORDS RIGHT TO INSPECT
    
    18ARTICLE 21SECURITY DEPOSIT
    
    18ARTICLE 22BROKERAGE
    
    18




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PageARTICLE 23OBSERVANCE OF RULES AND REGULATIONS
    
    18ARTICLE 24NOTICES
    
    18ARTICLE 25MISCELLANEOUS
    
    19ARTICLE 26SUBSTITUTION SPACE
    
    21ARTICLE 27OTHER DEFINITIONS
    
    23




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EXHIBIT A
    
    -
    
    FLOOR PLAN OF THE PREMISESEXHIBIT A-1
    
    -
    
    FLOOR PLAN OF THE MUST TAKE SPACEEXHIBIT B
    
    -
    
    THE LANDEXHIBIT C
    
    -
    
    LEASEHOLD IMPROVEMENTSEXHIBIT D
    
    -
    
    FORM OF COMMENCEMENT NOTICERIDER NO. 1
    
    -
    
    RULES AND REGULATIONSRIDER NO. 2
    
    -
    
    SPECIAL STIPULATIONS




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TERM

    LOCATION OF DEFINITIONAdditional Rent
    
    Section 1.1NAdjustment Date(s)
    
    Section 4.3Bankruptcy Code
    
    Section 8.6Base Building Condition
    
    Exhibit CBase Index
    
    Section 4.3Base Rent
    
    Section 1.2MBase Year Operating Costs
    
    Section 1.10Basic Lease Information and Certain Definitions
    
    Article 1Branch
    
    Exhibit CBroker
    
    Section 1.1RBuilding
    
    Section 1.1BBuilding Standard
    
    Exhibit CBusiness Days
    
    Article 27Commencement Date
    
    Section 1.1FCommon Areas
    
    Article 27Consumer Price Index
    
    Section 4.3days
    
    Article 27Events of Default
    
    Section 13.1Expiration Date
    
    Section 1.1Gherein, hereof, hereby, hereunder and words of similar import
    
    Article 27include and including
    
    Article 27Interest Rate
    
    Section 4.2Land
    
    Section 1.1CLandlord
    
    PreambleLandlords Address for Notice
    
    Section 1.1SLandlords Address for Payment
    
    Section 1.1TLandlords Operating Costs Estimate
    
    Section 5.1Landlords Work
    
    Exhibit CLeasehold Improvements
    
    Exhibit CLease Year
    
    Section 4.3Net Rentable Area
    
    Article 27Net Rentable Area of the Building
    
    Section 1.1JNet Rentable Area of the Premises
    
    Section 1.1INon-Building Standard
    
    Exhibit COffice Park
    
    Section 2.1Operating Costs
    
    Section 5.2Parking Facilities
    
    Section 1.1DProject
    
    Section 1.1EPremises
    
    Section 1.1AReference to Landlord as having no liability to Tenant or being
without liability to Tenant or words of like import
    
    Article 27Rent
    
    Section 1.1Lrepair
    
    Article 27Security Deposit
    
    Section 1.1QSubstitution Space
    
    Article 26Successor Landlord
    
    Section 18.2Taxes
    
    Section 5.2Tenant
    
    Preamble & Article 27Tenant Delay
    
    Exhibit CTenants Address for Notice
    
    Section 1.1UTenants Allowance
    
    Exhibit CTenants Parking Permits
    
    Section 6.1Tenants Permitted Uses
    
    Section 1.1PTenants Property
    
    Section 14.1A(a)Tenants Share
    
    Section 1.1KTenants Work
    
    Exhibit CTerm
    
    Section 1.1Htermination of this Lease and words of like import
    
    Article 27term of this Lease
    
    Article 27this Lease
    
    PreambleUsable Area of Premises
    
    Exhibit Cyear
    
    Article 27




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Section 1.1
 A.
    
    Premises:
    
    The portion of the second (2nd) floor of the Building, presently known
as Suite No. 230, as said space is identified by diagonal lines or shaded area on
the floor plans attached hereto as Exhibit A.B.
    
    Building:
    
    The building constructed by Landlord on a portion of the Land, said building being
known as 2690 Cumberland Parkway, Atlanta, Georgia 30339C.
    
    Land:
    
    Those certain parcels of land described under the caption Land in Exhibit B
hereof.D.
    
    Parking Facilities:
    
    The surface parking which is adjacent to the Building.E.
    
    Project:
    
    The Land and all improvements thereon, including the Building, the Parking
Facilities, and all Common Areas.F.
    
    Commencement Date:
    
    That certain date on which the Term shall commence, as determined pursuant to the
provisions of Article 3 hereof.G.
    
    Expiration Date:
    
    11:59 p.m. on that date which follows the Commencement Date by sixty (60) months.H.
    
    Term:
    
    Approximately five (5) years, beginning on the Commencement Date and ending on the
Expiration Date, unless this Lease is sooner terminated as provided herein.I.
    
    Net Rentable Area of the Premises:
    
    Approximately 3,665 square feet, subject to the provisions of Section 3.3 hereof.J.
    
    Net Rentable Area of the Building:
    
    Approximately 91,773 square feet, subject to the provisions of Section 3.3 hereof.K.
    
    Tenants Share:
    
    3.994%, representing a fraction, the numerator of which is the Net Rentable Area of
the premises and the denominator of which is the Net Rentable Area of the Building,
subject to future adjustment pursuant to the provisions of Section 5.4 hereof.L.
    
    Rent:
    
    The Base Rent and the Additional Rent.M.
    
    Base Rent:
    
    The Base Rent shall be $62,305.00 per annum ($17.00 per square foot per annum of
Net Rentable Area of the Premises), subject to such increases as may be provided
herein, payable in equal monthly installments of $5,192.08, subject to such
increases as may be provided herein.N.
    
    Additional Rent:
    
    The Additional Rent shall be all other sums due and payable by Tenant under the
Lease, including, but not limited to, Tenants Share of Operating Costs.O.
    
    Base Year:
    
    The Base Year Operating Costs the first full or partial year of the Term shall be
the actual Operating Costs for calendar year 1999.
 1




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P.
    
    Tenants Permitted Uses:
    
    Tenant may use the Premises only for executive and administrative offices for the
conduct of Tenants business in accordance with the provisions of this Lease.Q.
    
    Security Deposit:
    
    $5,192.08R.
    
    Brokers:
    
    Prentiss Properties Limited, representing Landlord. Chet Ping Realty, representing
Tenant.S.
    
    Landlords Address for Notice:
    
    Prentiss Properties Acquisition Partners, L.P.3890 West N.W. Highway, Suite 400Dallas, Texas 75220Attention: Michael V. PrentissWith a copy to:Prentiss Properties Acquisition Partners, L.P.2580 Cumberland ParkwaySuite 460Atlanta, Georgia 30339T.
    
    Landlords Address for Payment:
    
    Prentiss Properties Acquisition Partners, L.P.P.O. Box 905161Charlotte, North Carolina 28290-5161U.
    
    Tenants Address for Notice:
    
    ebank.com, Inc.2690 Cumberland ParkwaySuite 230Atlanta, Georgia 30339Attention: Richard A. Parlontierre
 
 Section 2.1
 Section 2.2
 
 Section 3.1
 Section 3.2
   2




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Section 3.3
 Section 3.4
 Section 3.5
 
 Section 4.1
 Section 4.2
 Section 4.3
   3




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Section 5.1
 th th
   Section 5.2
  4




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Section 5.3
 Section 5.4
 5




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Section 6.1
 Section 6.2
 
 Section 7.1
    6




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Section 7.2
 Section 7.3
 
 Section 8.1
 Section 8.2
 Section 8.3
 Section 8.4
 7




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Section 8.5
 Section 8.6
   8




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Section 8.7
 
 Section 9.1
 9




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Section 9.2
 Section 9.3
 Section
 
 Section 10.1
 Section 10.2
 10




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Section 10.3
 
 Section 11.1
 
 Section 12.1
 Section 12.2
 11




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Section 12.3
 
 Section 13.1
 Section 13.2
 12




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Section 13.3
 Section 13.4
 Section 13.5
 
 Section 14.1
   13




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Section 14.2
 Section 14.3
 Section 14.4
 
 Section 15.1
 Section 15.2
 Section 15.3
 14




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Section 15.4
 Section 15.5
 Section 15.6
 
 Section 16.1
 Section 16.2
 Section 16.3
 Section 16.4
 Section 16.5
 Section 16.6
 Section 16.7
 15




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Section 17.1
 Section 17.2
 
 Section 18.1
 Section 18.2
 16




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Section 18.3
 Section 18.4
 
 Section 19.1
 17




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Section 20.1
 
 Section 21.1
 
 Section 22.1
 
 Section 23.1
 
 Section 24.
 18




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Section 25.1 Professional Fees
 Section 25.2 Reimbursements
 Section 25.3 Severability
 Section 25.4 Non-Merger .
 Section 25.5 Landlords Liability
 Section 25.6 Force Majeure
 Section 25.7 Headings
 Section 25.8 Successors and Assigns
 Section 25.9 Landlords Representations
 19




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Section 25.10 Entire Agreement; Amendments
 Section 25.11 Tenants Authority
 Section 25.12 Governing Law
 Section 25.13 Tenants Use of Name of the Building
 Section 25.14 No Easement for Light, Air or View .
 Section 25.15 Changes to Project by Landlord .
 Section 25.16 Time of Essence .
 Section 25.17 Landlords Acceptance of Lease
 Section 25.18 Performance by Tenant .
 20




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Section 25.19 Financial Statements
 Section 25.20 Licensee Disclosure .
 Section 25.21 Confidentiality .
 Section 25.22 Homestead .
 Section 25.23 Landlords Lien .
 Section 25.24 Waiver of Breach
 Section 25.25 No Estate .
 Section 25.26 Waiver of Jury Tria l.
 
 Section 26.1
 21




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Section 26.2
 Section 26.3
 Section 26.4
 Section 26.5
 Section 26.6
 22




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23




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LANDLORD:PRENTISS
PROPERTIES ACQUISITION PARTNERS, L.P.
 a Delaware limited
partnershipBy:
    
    Prentiss Properties I, Inc., general partnerBy:
    
    /s/ Charles S. Roach, Jr.Name:
    
    Charles S. Roach, Jr.Title:
    
    Vice PresidentBy:
    
    /s/ J. Kevan DilbeckName:
    
    J. Kevan DilbeckTitle:
    
    Senior Vice PresidentTENANT:ebank.com, inc., a Georgia corporationBy:
    
    /s/ Rich ParlontieriName:
    
    Rich ParlontieriTitle:
    
    Chairman/CEO[CORPORATE SEAL]
 24