Exhibit 10.32**LEASE****WILLIAMSBURG VILLAGE****Inverness, Illinois 60067**          THIS INDENTURE OF LEASE (the “Lease”) made the 1st day of April, 1993.**W****I****T****N****E****S****S****E****T****H**          LaSalle National Trust, N.A., as Trustee under a Trust Agreement dated January 15, 1993and known as Trust Number 117628, owner of the land and improvements located at 1604 ColonialParkway, Inverness, Illinois (“Landlord”), agrees to lease to Royal American Bank, an Illinoisbanking corporation (“Tenant”), whose address is 1604 Colonial Parkway, Inverness, IL 60067, andTenant agrees to lease from Landlord, that certain office space within the “Condominium Unit” (ashereafter defined) shown and designated on the plan attached hereto as Exhibit A, commonly known asSuite 100 (the “Premises”) in the building whose address is 1604 Colonial Parkway (the “Building”).The Building is constructed on the property in the Village of Inverness, Cook County, Illinois,which is legally described in Exhibit B, attached hereto, for a term commencing on the 1st day ofApril, 1993, and ending on the 31st day of March, 1997, (the “Term”) , unless sooner terminated asprovided herein, subject to the agreements herein contained.          In consideration thereof, Landlord and Tenant covenant and agree as follows:          1.      CONDOMINIUM                    (a)      A Declaration of Condominium Ownership (the“Declaration”) of Williamsburg Village was recorded in the Office of the Recorder of Deeds of CookCounty, Illinois, on January 4, 1983, and thereupon the property within which the Premises arelocated became subject to (i) the terms and provisions of the Declaration, (ii) the CondominiumProperty Act of the State of Illinois (the “Act”), (iii) the By-Laws (the “By-Laws”) of theWilliamsburg Village Owners Association (the “Association”) and (iv) the rules and regulations ofthe Association (the “Rules”). The Declaration, the Act, the By-Laws and the Rules, as from time totime amended, are sometimes collectively called the “Condominium Documents”. Tenant acknowledgesreceipt of a copy of the Declaration, the By-Laws and the Rules. Landlord’s space within theBuilding is sometimes called the “Condominium Unit”. All the condominium property of which theCondominium Unit is a part, as from time to time amended to annex additional property, is
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sometimes called “Williamsburg Village” and all portions ofWilliamsburg Village, except theindividual condominium units, are sometimes called the “Common Elements”. To the extent that any ofthe definitions in this Lease conflict with those in the Condominium Documents, the definitions inthe Condominium Documents shall control.                    (b)      Tenant accepts this Lease subject to all of the terms and restrictions of the CondominiumDocuments and agrees to comply with and perform each of the terms, covenants and conditions of theCondominium Documents relating to the use or occupancy of the Premises. If pursuant to theCondominium Documents, the Condominium Unit is withdrawn from the provisions of the Declaration,Landlord, at its option, may terminate this Lease effective upon the date of such withdrawal.Landlord shall not be obligated for the performance by the Board of Managers of the Association(the “Board”) or of any of the obligations assumed or undertaken by the Board pursuant to theCondominium Documents and Tenant shall have no claim against Landlord by reason of any defaultunder the Condominium Documents by the Board or the Association. By the execution of this Lease,Tenant agrees that the Association and Board are and shall be third party beneficiaries of theprovisions of this Lease.                    (c)      The Declaration requires the approval of all leases by the Board. Landlord agrees toattempt to procure such approval from the Board within the time established for such approval bythe Declaration. If, after making reasonable effort, Landlord cannot procure such approval withinthe time provided, this Lease shall become null and void. Tenant agrees to cooperate with Landlordin attempting to procure such approval and shall provide such information as is requested by theBoard.                    (d)      This Lease does not grant any rights to Tenant to participate in the management or affairsof the Association, including, but not limited to any voting rights enjoyed by the Landlord.          2.      POSSESSION. If this Lease is executed before the Premises become vacant orotherwise available and ready for occupancy, or if any present tenant or occupant of the Premisesholds over, and Landlord cannot, using good faith efforts, acquire possession of the Premises priorto the specified commencement date of this Lease, Landlord shall not be deemed to be in default,nor in any way liable to Tenant because of such failure and Tenant agrees to accept possession ofthe Premises at such time as Landlord is able to tender possession, which date shall thereafter bedeemed the “commencement date”; and the Term shall automatically be extended so as to include thefull number of months originally provided, except that if the commencement date is other than thefirst day of a calendar month, the Term shall also be extended for
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the remainder of the calendar month in which possession is tendered. Landlord hereby waives paymentof any rent covering any period prior to such tendering of possession.          The taking of possession by Tenant shall be deemedconclusively to establish that the Building and the Premises are in good and satisfactory conditionas of when possession was so taken.          3.      BASE RENT AND SECURITY DEPOSIT                    (a)      Tenant agrees to pay to Landlord as monthly rental (the “Base Rent”) for the Premisesduring the full term aforesaid the sum of $4,000.00 in advance on the first day of the first fullcalendar month of the term hereof and a like sum on or before the first day of each and everysuccessive calendar month thereafter during the term hereof. In the event the term of this Leasecommences on other than the first day of the month, there shall be paid on the commencement date, apro rata portion of the Base Rent based on the number of days remaining in such month, andsubsequent monthly payments shall be paid as directed in this Paragraph 3(a).                              The Base Rent and all other rent provided herein shall be paid to Landlord withoutdeduction or offset in lawful money of the United States of American at:Otto J. Semrow