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MEMORANDUM OF
OFFICE BUILDING LEASE
 
  Landlord:
    
    L.F.A.J.J. Partners, LLCTenant:
    
    Royal American BankPremises:
    
    Approximately 5,000 square feet above grade and 4,000 square feet basement at 234 West
Lake Street, Bloomingdale, Illinois 60108Term:
    
    August 1, 2006 to September 14, 2011, with two (2) five (5) year
optionsBase Rent:
    
    $18.00 per rentable square foot, per annum with three (3%) annual
escalations as provided.Tenant Broker:
    
    None
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LEASE AGREEMENT
 th
    1. Premises
  2. Term
 Initial Term
 Renewal
Options
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3. Base Rent
  LEASE TERM
    
    ANNUAL BASE RENT
    
    
    MONTHLY INSTALLMENT8/1/2006 - 9/14/2007
    
    $
    90,000.00
    
    
    $
    7,500.009/15/2007 -9/14/2008
    
    $
    92,700.00
    
    
    $
    7,725.009/15/2008 -9/14/2009
    
    $
    95,481.00
    
    
    $
    7,956.759/15/2009 -9/14/2010
    
    $
    98,345.43
    
    
    $
    8,195.459/15/2010 -9/14/2011
    
    $
    101,295.79
    
    
    $
    8,441.31First year
of Renewal Option with annual increases of three
(3%) percent per annum thereafter
    
    $
    104,334.66
    
    
    $
    8,694.55
  4. Taxes
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5. Expenses and Utilities
   6. Tenant Insurance
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7. Outside and Common Area
  8. Security Deposit
  9. Condition of the Premises on Tenants Taking Possession
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10. Delivery of Possession; Improvements To be Made by Landlord Prior to the
Beginning of the Term
 Construction of the Building Shell and Core
 Completion of the Shell and Core finish
   No Landlord Liability
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Building Plans
 11. Tenant Improvements and Buildout
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12. Occupancy Prior to Beginning of the Lease Term
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13. Security of Premises
  14. Rights Reserved to Landlord
  15. Repairs: Return of Premises
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16. Use of Premises by Tenant
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17. Untenantability; Landlords Insurance
     18. Condemnation
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19. Rights and Remedies
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20. Holding Over
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21. Landlords
Title
  22. Tenants Quiet Enjoyment
  23. Assignment and Subletting
   24. Waiver of Claims and Subrogation
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26. Estoppel Certificate
  27. Notices, Demands, and Submissions
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LANDLORD
    
    TENANTL.F.A.J.J. Partners, LLC234 West Lake StreetBloomingdale, Illinois 60108ATTN: Mr. Franco Coladipietro
    
    ATTN:With a copy to:
    
    With a copy to:Scott D. Verhey, Esq.Law Offices of Scott D. Verhey734 North Wells StreetChicago, Illinois 60610
 28. Parking by Tenant
  29. Covenants and Conditions
  30. Lease Modifications; Attachments; Insertions and Riders
  31. Successors and Assigns
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32. General Provisions
      33. Compliance with Laws
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34. Force Majeure
  35. Special Environmental Provisions
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36. Real Estate Brokers
  37. Exclusivity
  IN
WITNESS WHEREOF,
 L.F.A.J.J. Partners,
LLC
    
    Royal American
Bank/s/ Franco A. Coladipietro
    
    /s/ Robert C. FlissBy:
    
    Franco A. Coladipietro
    
    By:
    
    Robert C. FlissIts:
    
    Managing Member
    
    Its:
    
    Senior Vice President
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