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EXECUTION COUNTERPART
   AGREEMENT OF LEASE
 between
 METROPOLITAN 919 THIRD AVENUE LLC
 Landlord
 and
 NEW YORK MARINE AND GENERAL INSURANCE COMPANY
 Tenant
 Dated as of June 5, 2007
 Entire Eleventh (11 th ) Floor
919 Third Avenue
New York, New York




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TABLE OF CONTENTS
 TABLE OF CONTENTS
    
    
    IARTICLE 1
    
    DEMISE; PREMISES AND PURPOSE
    
    
    1ARTICLE 2
    
    TERM
    
    
    2ARTICLE 3
    
    RENT AND ADDITIONAL RENT
    
    
    2ARTICLE 4
    
    ASSIGNMENT/SUBLETTING
    
    
    3ARTICLE 5
    
    DEFAULT
    
    
    8ARTICLE 6
    
    RELETTING, ETC.
    
    
    9ARTICLE 7
    
    LANDLORD MAY CURE DEFAULTS
    
    
    10ARTICLE 8
    
    ALTERATIONS
    
    
    10ARTICLE 9
    
    LIENS
    
    
    13ARTICLE 10
    
    REPAIRS
    
    
    13ARTICLE 11
    
    FIRE OR OTHER CASUALTY
    
    
    14ARTICLE 12
    
    END OF TERM
    
    
    14ARTICLE 13
    
    SUBORDINATION AND ESTOPPEL, ETC.
    
    
    15ARTICLE 14
    
    CONDEMNATION
    
    
    17ARTICLE 15
    
    REQUIREMENTS OF LAW
    
    
    18ARTICLE 16
    
    CERTIFICATE OF OCCUPANCY
    
    
    18ARTICLE 17
    
    POSSESSION
    
    
    18ARTICLE 18
    
    QUIET ENJOYMENT
    
    
    19ARTICLE 19
    
    RIGHT OF ENTRY
    
    
    19ARTICLE 20
    
    INDEMNITY
    
    
    20ARTICLE 21
    
    LANDLORDS LIABILITY, ETC.
    
    
    20ARTICLE 22
    
    CONDITION OF PREMISES
    
    
    20ARTICLE 23
    
    CLEANING
    
    
    21ARTICLE 24
    
    JURY WAIVER
    
    
    21ARTICLE 25
    
    NO WAIVER, ETC.
    
    
    22ARTICLE 26
    
    OCCUPANCY AND USE BY TENANT
    
    
    22
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ARTICLE 27
    
    NOTICES
    
    
    23ARTICLE 28
    
    WATER
    
    
    23ARTICLE 29
    
    SPRINKLER SYSTEM
    
    
    24ARTICLE 30
    
    HEAT, ELEVATOR, ETC.
    
    
    24ARTICLE 31
    
    SECURITY DEPOSIT
    
    
    24ARTICLE 32
    
    TAX ESCALATION
    
    
    26ARTICLE 33
    
    RENT CONTROL
    
    
    29ARTICLE 34
    
    SUPPLIES
    
    
    29ARTICLE 35
    
    AIR CONDITIONING
    
    
    30ARTICLE 36
    
    SHORING
    
    
    31ARTICLE 37
    
    EFFECT OF CONVEYANCE, ETC.
    
    
    31ARTICLE 38
    
    RIGHTS OF SUCCESSORS AND ASSIGNS
    
    
    31ARTICLE 39
    
    CAPTIONS
    
    
    32ARTICLE 40
    
    BROKERS
    
    
    32ARTICLE 41
    
    ELECTRICITY
    
    
    32ARTICLE 42
    
    LEASE SUBMISSION
    
    
    36ARTICLE 43
    
    INSURANCE
    
    
    36ARTICLE 44
    
    SIGNAGE
    
    
    38ARTICLE 45
    
    RIGHT TO RELOCATE
    
    
    39ARTICLE 46
    
    FUTURE CONDOMINIUM CONVERSION
    
    
    39ARTICLE 47
    
    MISCELLANEOUS
    
    
    40ARTICLE 48
    
    COMPLIANCE WITH LAW
    
    
    40ARTICLE 49
    
    LANDLORDS CONTRIBUTION
    
    
    41ARTICLE 50
    
    OPERATING EXPENSE ESCALATION
    
    
    42ARTICLE 51
    
    RULES AND REGULATIONS
    
    
    49
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INDEX OF DEFINED TERMS
 TERM
    
    PAGEAdditional Rent
    
    
    3Alterations
    
    
    10Base Year
    
    
    43Base Tax Year
    
    
    27Bests rating
    
    
    25Brokers
    
    
    33Building
    
    
    1Building Cleaning Contractor
    
    
    23Building HVAC System
    
    
    31Building Insurance Expense
    
    
    44Building Project
    
    
    21, 44Comparative Year
    
    
    21, 44Comparative Insurance Year
    
    
    33Consultant Cost
    
    
    4Cooling Season
    
    
    31Credit
    
    
    26Declaration
    
    
    41Delivery Personnel
    
    
    1Excessive Water
    
    
    24Existing HVAC Equipment
    
    
    31Expenses
    
    
    45Expense Payment
    
    
    47Expiration Date
    
    
    2Fixed Annual Rent
    
    
    2Guaranty
    
    
    26Landlord
    
    
    1Landlords Contribution
    
    
    42Landlords Cost
    
    
    33Landlords Electrical Consultant
    
    
    34Landlords Relocation Work
    
    
    40Landlords Restoration Work
    
    
    14Lease
    
    
    1Leaseback Area
    
    
    4Named Tenant
    
    
    8Ordinary Business Hours
    
    
    34Percentage
    
    
    44Premises
    
    
    1Qualified Renovations
    
    
    42Real Estate Taxes
    
    
    27Recapture Date
    
    
    4Relocation Effective Date
    
    
    40Relocation Notice
    
    
    40
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TERM
    
    PAGERelocation Space
    
    
    40Rent
    
    
    3Retainage
    
    
    43Security
    
    
    25Soft Costs
    
    
    43Space A
    
    
    1Space A Commencement Date
    
    
    2Space A Rent Commencement Date
    
    
    2Space B
    
    
    1Space B Commencement Date
    
    
    2Space B Rent Commencement Date
    
    
    2Submetering System
    
    
    34Supplemental A/C Systems
    
    
    31Tenant
    
    
    1Tenant Cleaning Services
    
    
    22Tenants Initial Alteration Work
    
    
    42Tenants Plans
    
    
    42Tenants Recapture Offer
    
    
    4Tenants Share
    
    
    27Term
    
    
    2Work Cost
    
    
    43
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LEASE Lease Landlord th Tenant
 WITNESSETH
  ARTICLE 1
 DEMISE; PREMISES AND PURPOSE
 Space A Space B Building
   Delivery Personnel
 1




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ARTICLE 2
 TERM
 Term Space A Commencement Date Space B Commencement
Date th Expiration Date
 ARTICLE 3
 RENT AND ADDITIONAL RENT
 Fixed Annual Rent Exhibit B-1 and
Exhibit B-2 Space A Rent Commencement Date Space B Rent Commencement Date
 2




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Additional Rent Rent
 ARTICLE 4
 ASSIGNMENT/SUBLETTING
  3




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Tenants Recapture Offer Leaseback Area Recapture Date
      4




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5




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6




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Related Entity
 control
 Named Tenant
 7




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ARTICLE 5
 DEFAULT
  8




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ARTICLE 6
 RELETTING, ETC.
  9




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ARTICLE 7
 LANDLORD MAY CURE DEFAULTS
  ARTICLE 8
 ALTERATIONS
  10




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Alterations
     11




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12




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ARTICLE 9
 LIENS
  ARTICLE 10
 REPAIRS
  13




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ARTICLE 11
 FIRE OR OTHER CASUALTY
 Landlords Restoration Work
  ARTICLE 12
 END OF TERM
  14




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1 2
 ARTICLE 13
 SUBORDINATION AND ESTOPPEL, ETC.
       15




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16




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ARTICLE 14
 CONDEMNATION
  17




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ARTICLE 15
 REQUIREMENTS OF LAW
    ARTICLE 16
 CERTIFICATE OF OCCUPANCY
  ARTICLE 17
 POSSESSION
  18




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ARTICLE 18
 QUIET ENJOYMENT
  ARTICLE 19
 RIGHT OF ENTRY
  19




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ARTICLE 20
 INDEMNITY
  ARTICLE 21
 LANDLORDS LIABILITY, ETC.
  ARTICLE 22
 CONDITION OF PREMISES
  20




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ARTICLE 23
 CLEANING
  Building Cleaning Contractor Tenant
Cleaning Services
 ARTICLE 24
 JURY WAIVER
  21




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ARTICLE 25
 NO WAIVER, ETC.
  ARTICLE 26
 OCCUPANCY AND USE BY TENANT
  22




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ARTICLE 27
 NOTICES
  ARTICLE 28
 WATER
 (Excessive
Water)
 23




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ARTICLE 29
 SPRINKLER SYSTEM
  ARTICLE 30
 HEAT, ELEVATOR, ETC.
  ARTICLE 31
 SECURITY DEPOSIT
 Security Bests rating st
 24




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Exhibit C Credit
   Guaranty Annex I
 25




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ARTICLE 32
 TAX ESCALATION
    Tenants Share
 Building Project
 Base Tax Year
 Comparative Year
 Real Estate Taxes
 26




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27




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28




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ARTICLE 33
 RENT CONTROL
  ARTICLE 34
 SUPPLIES
   29




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ARTICLE 35
 AIR CONDITIONING
 Building HVAC System Cooling Season Supplemental A/C System
 30




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ARTICLE 36
 SHORING
  ARTICLE 37
 EFFECT OF CONVEYANCE, ETC.
  ARTICLE 38
 RIGHTS OF SUCCESSORS AND ASSIGNS
  31




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ARTICLE 39
 CAPTIONS
  ARTICLE 40
 BROKERS
 Brokers
  ARTICLE 41
 ELECTRICITY
  Landlords Cost
 32




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Consultant Costs
   Submetering System
 33




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34




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35




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ARTICLE 42
 LEASE SUBMISSION
  ARTICLE 43
 INSURANCE
    
 36




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37




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ARTICLE 44
 SIGNAGE
  38




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ARTICLE 45
 RIGHT TO RELOCATE
 Relocation Space Relocation Effective
Date Relocation Notice
 Landlords Relocation Work
  ARTICLE 46
 FUTURE CONDOMINIUM CONVERSION
  39




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Declaration
 ARTICLE 47
 MISCELLANEOUS
  ARTICLE 48
 COMPLIANCE WITH LAW
  40




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ARTICLE 49
 LANDLORDS CONTRIBUTION
 Tenants Plans Tenants Initial Alteration Work Space A Contribution Space B Contribution Landlords Contribution Qualified Renovations Soft Costs
 Requisition Work Cost
 41




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Retainage
  ARTICLE 50
 OPERATING EXPENSE ESCALATION
   Base Year Base Insurance
Expenses
 Percentage
 42




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Building Project
 Comparative Year Comparative Insurance Year
 Building Insurance Expenses
 Expenses
 
 *
    
    i.e. Building electric current shall be deemed to mean all
electricity purchased for the Building except that which is redistributed to
tenants in the Building; the parties acknowledge and agree that forty-five
percent (45%) of the Buildings payment to the public utility for the purchase
of electricity shall be deemed to be payment for Building electric current. 43




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44




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Expense Payment Insurance Expense
Payment
  45




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46




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IN WITNESS WHEREOF,
 METROPOLITAN 919 THIRD AVENUE LLCBy:
    /s/ Steven M. DurelsName:
    Steven M. DurelsTitle:
    Executive Vice President, Director of Leasing  /s/ Monica PerezName:
    Monica PerezTitle:
    Admin. Asst. NEW YORK MARINE AND GENERAL INSURANCE COMPANYBy:
    /s/ A. George KallopName:
    A. George KallopTitle:
    Chief Executive Officer  Name:Title: 47




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ARTICLE 51
 RULES AND REGULATIONS  MADE A PART OF THIS LEASE
     48




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49




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50