##### 



SUBLEASE
 Section
1.1(g)
 W I T N E S S E T H
 SUBLEASE SUMMARY AND DEFINITIONS
 Section 1.1
 (a)
    
    Sublandlords Name
and address:
    
    JPMorgan Chase Bank, National Association,

successor-in-interest to American National Bank
270 Park Avenue 
10th Floor  Mail Code 1021 
New York, New York 10017 
Attn: Director of Real EstateRent payments to:JPMorgan Chase Lease Administration 
1111 Polaris Parkway, Suite 1J 
Mail Code OH1-0241
Columbus, OH 43240
Attn: Lease Administration Manager(b)
    
    Subtenants Name and
address:
    
    Royal American Bank 
1604 Colonial Parkway
Inverness, Illinois 60067 
Attn: Mary King Wilson, Executive Vice President(c)
    
    Overlandlords Name and
Address:
    
    Chevy Chase Business Park Limited Partnership 
c/o Hamilton Partners, Inc. 
300 Park Boulevard 
Itasca, IL 60143(d)
    
    Overlease:
    
    Lease Agreement dated June 8, 1999 as amended by
First Lease Amendment dated July 12, 2000 and
letter
agreement dated September 29, 2000 between
Overlandlord and Sublandlord
 1




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##### 



(e)
    
    Building:
    
    1001 Johnson DriveBuffalo Grove, IL(f)
    
    Subleased Premises:
    
    4,312 rentable square feet on the 1st floor, as shown
on attached Exhibit A(g)
    
    Sublease Commencement:
Date:
    
    , subject to receipt of Overlandlord
approval and of all federal, state and local regulatory
approval for Subtenant to operate a banking facility
within the Subleased Premises(h)
    
    Sublease Expiration Date:
    
    June 30, 2010(i)
    
    Base Rent:
 Period
    
    Annual Base Rent
    
    Monthly RentSublease Rent
Commence-
ment Date (See
Section 4.1)
 1/31/06
    
    $
    64,680.00
    
    
    $
    5,390.002/1/06
 1/31/07
    
    $
    66,620.40
    
    
    $
    5,551.702/1/07  1/31/08
    
    $
    68,603.92
    
    
    $
    5,716.992/1/08  1/31/09
    
    $
    70,673.68
    
    
    $
    5,889.472/1/09  1/31/10
    
    $
    72,786.56
    
    
    $
    6,065.552/1/10
 6/30/10
    
    $
    74,985.68
    
    
    $
    6,248.81
 (j)
    
    Operating Expenses/Real

Estate Taxes: Subtenant to pay its proportionate share 
See Section 4.2(k)
    
    Security
Deposit:$5,390.00
 SUBLEASE GRANT
  Section 1.1 (f) Exhibit A
 2




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##### 



SUBLEASE TERM
  RENT AND OTHER CHARGES
 Section 1.1 (i) Section 1.1 (a)
 Section 4.2
 Section 1.1,
  3




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##### 



USE OF SUBLEASED PREMISES
  ASSIGNMENT OR UNDERLETTING
 Section 23
 ALTERATIONS
 Exhibit B Section
 TERMS OF THE OVERLEASE
  4




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##### 



Section 8.3
  (a)
    
    any option to renew the Sublease Term;(b)
    
    any option to expand the Subleased Premises; or(c)
    
    any tenant finish or other construction obligations or
rights to any tenant finish allowances;
  INDEMNITY
  CONDITION OF SUBLEASED PREMISES
 Section 7
 CONSENT
OF OVERLANDLORD
  5




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##### 



DEFAULT
   6




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##### 



SUBLANDLORD REPRESENTATION
  BROKERS
  SECURITY DEPOSIT
 Section 1(k).
  Section 15.2,
 7




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##### 



Section 15.2.
 Section 6
 SURRENDER AND HOLDING OVER
  8




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##### 



NO WAIVER
  NOTICES
 Section 1.1 (a) (b)
 
  
 9




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##### 



INTERPRETATION
  PARTIAL INVALIDITY.
  MISCELLANEOUS
     10




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##### 



FURNITURE
 Exhibit C,
 RIGHT OF FIRST OFFER
 Right of First Offer Space. st Exhibit D.
 Proposed Sublease Proposed Subtenant Section 23.5
 First Offer Notice Subtenants
Notice
  11




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##### 



Conditions to ROFO.
    12




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##### 



JPMorgan chase base Bank, National AssociationSublandlordBy:
    
    /s/ Roy C. KellerName:
    
    Roy C. KellerTitle:
    
    Senior Vice presidentRoyal American BanSubtenantBy:
    
    /s/ [ILLEGIBLE]Name:
    
    [ILLEGIBLE]Title:
    
    President
 13




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##### 



CHEVY CHASE BUSINESS PARK LIMITED PARTNERSHIPBy:
    
    HP/Chevy Chase Business Park Limited
Partnerhship, General PartnerBy:
    
    Hamilton Partners Industrial Division #1,
Inc.
 By:Name:Title:
 14