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REAL ESTATE INVESTMENT
 OFFICE LEASE AGREEMENT




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PARAGRAPH
    
    PAGE1.
    
    Premises and Term
    
    
    12.
    
    Base Rent and Security Deposit
    
    
    13.
    
    Taxes
    
    
    24.
    
    Electric Service
    
    
    25.
    
    Alterations
    
    
    26.
    
    Service
    
    
    27.
    
    Use of Premises
    
    
    38.
    
    Inspections
    
    
    39.
    
    Assignment and Subletting
    
    
    310.
    
    Fire and Casualty Damage
    
    
    411.
    
    Liability
    
    
    412.
    
    Condemnation
    
    
    513.
    
    Holding Over
    
    
    514.
    
    Quiet Enjoyment
    
    
    515.
    
    Events of Default
    
    
    516.
    
    Remedies
    
    
    517.
    
    Landlords Lien
    
    
    718.
    
    Mortgages
    
    
    719.
    
    Landlords Liability
    
    
    720.
    
    Mechanics and Other Liens
    
    
    721.
    
    Notices
    
    
    722.
    
    Miscellaneous
    
    
    723.
    
    Substitution of Premises
    
    
    824.
    
    Certain Rights Reserved To The Landlord
    
    
    825.
    
    Exculpation
    
    
    926.
    
    Operating Cost Escalation
    
    
    927.
    
    Consumer Price Escalation
    
    
    928.
    
    Special Provisions
    
    
    10Exhibit A Floor PlanExhibit B  Legal DescriptionExhibit C Work LetterExhibit D  Rules and Regulations




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STANDARD OFFICE LEASE
    
    Prepared on:
March 12, 1993L8/.87By:
    
    Michael J. Rolfs  Hamilton Partners, Inc.1000 Tower Lane, Suite # 125Bensenville, Illinois
 LEASE AGREEMENT
   1. Premises and Term.
 Exhibit A Exhibit B
     2. Base Rent and Security Deposit.
  Landlord:
    
    [ILLEGIBLE]Tenant:
    
    [ILLEGIBLE]
 1




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3. Taxes.
      4. Electric Service.
   5. Alterations.
 Exhibit C
 6. Service.
  Landlord:
    
    [ILLEGIBLE]Tenant:
    
    [ILLEGIBLE]
 2




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7. Use of Premises.
      Exhibit D
  8. Inspections.
  9. Assignment and Subletting.
  Landlord:
    
    [ILLEGIBLE]Tenant:
    
    [ILLEGIBLE]
 3




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10. Fire and Casualty Damage.
        11. Liability.
  Landlord:
    
    [ILLEGIBLE]Tenant:
    
    [ILLEGIBLE]
 4




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12. Condemnation.
    13. Holding Over.
  14. Quiet Enjoyment.
  15. Events of Default.
         16. Remedies.
     Landlord:
    
    [ILLEGIBLE]Tenant:
    
    [ILLEGIBLE]
 5




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provided, however, provided, further,
      17. Landlords Lien.
  Landlord: [ILLEGIBLE]Tenant: [ILLEGIBLE]
 6




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18. Mortgages.
  19. Landlords Liability.
  20. Mechanics and Other Liens.
  21. Notices.
    LANDLORD:
    
    TENANT:Hamilton Partners, Inc.
    
    Royal American Bank300 Park Boulevard, Suite #100
    
    1604 Colonial ParkwayItasca, IL 60143
    
    Inverness, IL 60097- 4725 ATTN: CashierPHONE: 708-202-8300
  22. Miscellaneous.
     Landlord: [ILLEGIBLE]Tenant: [ILLEGIBLE]
 7




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23. Substitution of Premises.
 24. Certain Rights Reserved To The Landlord.
            Landlord: [ILLEGIBLE]Tenant: [ILLEGIBLE]
 8




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25. Land Trustees Exculpation.
   26. Operating Cost Escalation.
        Landlord: [ILLEGIBLE]Tenant: [ILLEGIBLE]
 9




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27. Consumer Price Escalation.
 28. Special Provisions.
  th
 ATTEST/WITNESS
    
    
    
    Royal American Bank1604 Colonial ParkwayTitle:
    
    
    
    
    
    
    
    
    
    Inverness, IL 60097-4725By:
    
    /s/ [ILLEGIBLE]Title:
    
    EVP & CashierTENANTBy:Bensenville Office Venture, as sole beneficiary as aforesaidBy:
    
    
    
    
    
    BY:
    
    HP-1000 Tower Lane Limited Partnership, an Illinois Limited
Partnership, Its General PartnerBY:
    
    HP-1000 Tower Lane, Inc., an Illinois Corporation, Its General PartnerBy:By:
    
    /s/ Timothy G. BeechickRonald C. Lunt, President orTimothy G. Beechick, Vice PresidentTitle:ATTEST/WITNESS
    
    
    
    LANDLORD/s/ [ILLEGIBLE]Title: Administrative
assistant
 Landlord: [ILLEGIBLE]Tenant: [ILLEGIBLE]
 10




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29.
    
    Notwithstanding anything to the contrary contained in Paragraph 2A of the Lease,
and provided in all events that Tenant is not in default hereunder, Landlord will abate the
base rental for a period of two (2) months from and after the commencement date. If, at any
time during the term of the Lease, Tenant suffers or permits a default to occur that is not
cured within any applicable grace period expressly granted by this Lease, then (i) the
provisions of the immediately preceding sentence shall be deemed null and void as if they
had never been set forth in this Lease and (ii) within ten (10) days after written request
by Landlord, Tenant shall pay Landlord an amount equal to the total of all base rent
previously abated under this Lease.30.
    
    Tenants annual net base rental shall be increased by two per cent (2%) per year over the
life of the lease term.31.
    
    Tenant will have the right, at Tenants sole expense, to install identification signage on
the existing pylon sign located at the Northeast corner of the property. Such signage will
require Landlords prior approval which approval shall not be unreasonably withheld. Such
signage will need to conform to the rules and regulations of the local governing authorities.32.
    
    Landlord hereby agrees to provide four (4) reserved parking spaces to be identified with
signage as Bank Visitor Only parking spaced located as close to the front entrance of the
building as reasonably possible.33.
    
    Provided Tenant is not then in default under this Lease, Tenant shall have the right and
option to renew the Lease for one (1) five (5) year term by providing Landlord with written
notice thereof at least six (6) months prior to the expiration of the initial lease term. The
base rental for the renewal term shall be adjusted to the then current effective market rental
rates as reasonably determined by Landlord and Tenant for comparable space in comparable
buildings in the immediate surrounding market area as of the first day of such renewal
period, provided however, that in no event shall the base rental for the renewal period be
less than the base rental applicable to the last year of the immediately preceding Lease
period.34.
    
    Tenant shall have a Right of First Offer to lease contiguous office space when and if such
space should become available for lease. Tenant shall provide written notice to Landlord of
its interest in such space that has become available for lease following which Landlord shall
provide information on the terms and availability of such space. Tenant will have ten (10)
days to accept its Right of First Offer on such space following Landlords notice and will
return an executed Amendment to this Lease incorporating space into the Lease within thirty
(30) days.35.
    
    Tenant shall have the one time option to terminate this Lease at the end of the thirty-sixth
(36th) month of the initial lease term by providing Landlord with six (6) months prior written
notice of its intent to terminate accompanied by a penalty payment equivalent to six (6)
months rent at the then escalated rate.36.
    
    Landlord hereby agrees to go through the necessary steps to terminate the existing Lease with
The Northern Trust for the ATM facility in the buildings parking lot as provided for in that
separate Lease Agreement. Upon the termination of said lease, Tenant shall have the option to
maintain and operate such facility under this Lease Agreement. At the termination of this
Lease, Tenant hereby agrees to remove the ATM and restore the area where it was installed to
the areas original condition prior to the installation of the ATM unless otherwise directed
by Landlord.




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EXHIBIT C
 I.
    
    Landlord shall provide a cash allowance of $9,400.00 for tenant construction work within the leased premises.
 II.
    
    Except as set forth in Paragraph I above, Landlord has no
other arrangement with
Tenant with regard to construction of improvements within the demised premises.
If Landlord should agree to perform, at Tenants request, and upon submission by
Tenant of necessary plans and specifications, any special work other than that
specified in Paragraph I hereof, such work shall be performed by Landlord, at
Tenants sole expense, as a Tenants extra. Prior to commencing any such extra
work requested by Tenant, Landlord will submit to Tenant written estimates of the
cost of any such extra work. If Tenant shall fail to approve any such estimate
within one (1) week, the same shall be deemed disapproved in all respects by
Tenant and Landlord shall not be authorized to proceed with such extra work.
Tenant agrees to pay to Landlord, promptly upon being billed therefor, the cost of
all such extra work, such shall be due and payable as additional rent under the
Lease.




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EXHIBIT D
Rules and Regulations




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THIRD AMENDMENT TO THE LEASE AGREEMENT
 Third Amendment to the Lease Agreement Hamilton Forsythe 1000 Tower Lane LLC, an Illinois Limited Liability Company,
successor-in-interest to Bensenville Office Venture, an Illinois Partnership, as sole beneficiary
of LaSalle National Bank as trustee under Trust Agreement #104715 dated 02/18/82 Royal American Bank
 WITNESSETH;
 WHEREAS, April 19,
1993; October 7th, 1997, April 19, 2001 1000 Tower Lane  Bensenville, IL,
 WHEREAS,
 NOW, THEREFORE,
 1.
    
    Defined Terms. Except as otherwise set forth herein, the defined terms shall have the
meanings ascribed to them in the Lease.
 2.
    
    Renewal Term. The term for the total leased premises of 1,568square feet
shall extend from April  1, 2003 (Renewal Commencement
Date)through March 31, 2008, and
 3.
    
    Base Rental. Effective as of April 1, 2003,Tenants monthly rental for the
total leased premises of 1,568 square feetshall be based on the following rental schedule:
 PERIOD
    
    MONTHLY RENTAL04/01/0303/31/04
    
    $2,499.6504/01/0403/31/05
    
    $2,551.9204/01/0503/31/06
    
    $2,605.4904/01/0603/31/07
    
    $2,660.3704/01/0703/31/08
    
    $2,717.87
 4.
    
    Tenant Improvements. Landlord shall provide Tenant with a Tenant Improvement
Allowance equivalent to $7,840.00 to refit the leased premises.
 5.
    
    Except as herein modified, the Lease will remain in full force and effect in accordance with
its terms and conditions.




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IN
WITNESS WHEREOF,
 LANDLORD:
 Hamilton Forsythe 1000 Tower Lane LLC, an Illinois Limited Liability Company
 BY:
    
    Bensenville Office Venture, an Illinois general partnership, its Managing MemberBY:
    
    HP-1000 Tower Lane Limited Partnership, an Illinois limited partnership, a General
PartnerBY:
    
    HP-1000 Tower Lane, Inc., an Illinois corporation, its sole General PartnerBY:
    
    /s/ Timothy G. BeechickRonald C. Lunt, President and/or Timothy G. Beechick, Vice PresidentDate:
    
    10/8/02TENANT:Royal American BankBY:
    
    /s/ Robert A. HenlebenDate:
    
    10-3-03