exv10w37



 





Exhibit 10.37




OFFICE LEASE



On This Date September 24, 1999, Lawrence R. Moats Agent and holder of power of direction of the
Beneficiary of Trust No. mp-011567, Dated March 16, 1992, With The First Chicago Trust Company of
Illinois, as Trustee (herein referred to as “We”, “Us”, “Our”, and “Landlord”) and Royal American
Bank, Inc. (herein referred to as “You”, “Your”, “Yours” and “Tenant”) agree as follows: To lease
the Premises, defined below, under the following terms:




Basic Terms



Suite No. is 280 in a building known as 625 North Court, Palatine, Illinois, containing
approximately 2751 Rentable Square Feet of an office building containing a total rentable area of
approximately 24,228 square feet. The term of the Lease shall begin December 1, 1999 and continue
through November 30, 2004, with the following monthly installments:



From December 1, 1999 to November 30, 2000 at $3,668.00 Per Month

From December 1, 2000 to November 30, 2001 at $3,760.00 Per Month

From December 1, 2001 to November 30, 2002 at $3,854.00 Per Month

From December 1, 2002 to November 30, 2003 at $3,950.00 Per Month

From December 1, 2003 to November 30, 2004 at $4,049.00 Per Month



Real Estate Tax Stop: Real Estate Taxes paid in 1999.



Operating Expense Stop: 1999 Actual expenses



Security Deposit Amount: None



The Base Rent for a partial month shall be pro-rated on a per diem basis, if the Term begins
on other than the first day of a calendar month.



Tenant shall without set-off or deduction on the first day of each and every month of the term
stated above pay in advance to the Landlord, at the Landlord’s address shown below, or such other
address as Landlord or its agent may from time to time designate in writing, the monthly base rent
set forth above and all taxes, assessments, insurance premiums, costs of repairs and replacements,
and all other expenses as required by this Lease (except all income, franchise and other purely
personal taxes imposed upon Landlord) which shall be assumed and paid by Tenant, except as
hereinafter expressly




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provided to the contrary. This covenant to pay rent shall be independent of all other covenants
contained in this Lease.



Real Estate Taxes shall be calculated on a usable square foot basis. Professional fees incurred in
controlling or reducing the amount of the Property’s tax assessment or rate will be added to the
Tax bill for the purpose of this calculation. Real Estate Tax billings will be made using the year
the taxes are payable. We will prepare and submit a billing to You detailing the amount of real
estate taxes and Your proportional share, if any, as soon after We receive the tax bill as
possible. You will pay these charges within thirty (30) days of that billing. After the first real
estate tax billing, You will begin making escrow payments with
Your monthly rent in an amount equaling one-twelfth (1/12) of the Your current tax billing.



Utilities will be separately metered to the Tenants specific Suite. You shall be responsible for
all direct metered utilities assigned to Your Suite, that is, natural gas and electricity. You
shall be responsible for making payments directly to company providing service. Utility Charges
Metered to You but not paid by You, which we elect to pay on your behalf shall be billed to You
plus interest at the rate of 2% per month plus a $25 administrative charge.



Operating Expenses shall be calculated on a usable square foot basis. Expense items included are
utility charges except those individually metered to specific office suites, insurance, wages and
related benefits, services, management fees, legal and accounting fees, and all other expenses
relating to the protection, preservation, and operation of the Property as determined by generally
accepted accounting principles. Expenditures or charges excluded are depreciation on the Building,
capital improvements to the Land or Building, principal and interest on mortgage indebtedness,
advertising, real estate broker’s leasing commissions, and legal fees for the eviction of other
tenants. We will prepare and submit a billing to You detailing the operating expenses and Your
proportionate share, if any, as soon after the end of each calendar month as possible. You will pay
these charges within thirty (30) days of that billing.



Tenants share of both operating and tax expenses shall be 11.35% based on Your share of the
rentable square footage of the building.




Additional Terms



Payments



When You sign this Lease, You will pay to Us, the first month’s rent, plus the Security
Deposit. You will pay all subsequent monthly payments without reduction of any kind, in advance, on
or before the first day of each month plus Additional Rent that becomes due to Us, in the name
specified and sent to the address listed in the “Notices” section of this lease.



Preparation Of Premises



Work to be done on the Premises for Your use and occupation will be according to the Plan
labeled Exhibit “A”. All other work will be at Your expense and may not begin without our prior
written approval. Before We will consider granting approval for other work, You shall (1) provide
plans and specifications in a form satisfactory to Us; (2) obtain all necessary government permits
and approvals for construction or work to be performed; (3) provide sworn contractor’s statements
and certificates evidencing proper insurance. All additions, modifications or installations shall
be approved by Us before You begin work. Our approval will not be unreasonably withheld. If
premises are not substantially complete by stated possession date of 12:01 A.M., February 1, 2000,
the Landlord shall pay a penalty in the amount of $61.00 per day, for each day thereafter, to the
tenant, until the premises are substantially complete.



Possession



Possession shall begin on the day We tender the Premises to You for occupancy. If, on the first day
of the Term of this Lease, We do not tender possession of the Premises, You do not have to pay rent
until We do tender possession to You. Rent will be prorated on a daily basis. If through Our fault
We fail to tender possession of the Premises within sixty (60) days after the beginning of the
Term, You may cancel this Lease if you haven’t taken possession by giving Us written notice.
Failure to notify Us will continue Your obligation to pay rent for the lease term. If delay in
tendering possession to You results from Your failure to agree to plans, specifications or other
proposals to remodel Your premises, or failure of others hired by You to complete work, Your
obligation to pay rent shall begin on the starting date of Your lease Term.



Use Of Premises



You shall use the Premises only for general offices in complete compliance with all applicable
laws, ordinances and government regulations. You must not obstruct or interfere with the rights of
other tenants or occupants of the Building.





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You must not do anything on or about the Premises which could increase the rate of any insurance
policy on the Building. You must comply with our written regulations, issued from time to time,
which are uniformly applicable to all tenants.



Landlord’s Services



We will make Our best efforts to maintain the Property and to provide services consistent with
a quality office complex. Services include landscaping, snow and ice control common area
maintenance, window washing not less than twice per year, office cleaning on a schedule established
for this Building, and necessary repairs not caused by Your action. We will not be liable to You
for damages resulting from the failure or delay in providing services. The Landlord will not be
liable for consequential damages under the term of this lease. You may not reduce Your rent because
of Our failure or delay in providing services. Any services requested by You that are different or
greater in amount or at different times than the standard service will be billed to You at their
full cost.



Late Charges



You will pay a late charge of 2% per month until paid in full on all outstanding Rent and
Additional Rent beginning ten (10) days after the date of our written notice and demand for payment
of amounts due.



Utilities



You will promptly pay all utility charges for separately metered services directly to the
company providing the service.



Repairs & Upkeep



We shall make normal repairs to the Premises. You shall pay for any repairs that are the
result of Your abuse or negligence. You shall maintain the interior of the Premises in a neat and
orderly manner and comply with all governmental regulations. If You fail to maintain the interior
of the Premises or damage or misuse the Premises, We may cancel the Lease and make the necessary
repairs and charge that expense to You as Additional Rent plus interest at the rate of 2% per
month.



We shall maintain the Building’s exterior walls, windows and roof, walks, drives and parking areas,
mechanical and plumbing systems, and interior and exterior common areas except for damages caused
by You. We shall not be liable to You for any failure or delay in making repairs. You waive all
rights to make repairs at Our expense under any applicable law or regulation unless such law or
regulation expressly prohibits such waiver.



Alterations — Improvements



You will not make any alterations or improvements to the Premises without obtaining Our
consent in writing. If We consent to the alteration or improvement, You are responsible for the
compliance with all building codes and regulations plus the payment of all associated costs. At the
termination of this Lease, all alterations and improvements, if not requested by Us, shall be
removed by You at Your sole expense and the Premises restored to the original layout and finish
treatment specified in Exhibit “A”. You agree to keep the Premises free of all liens arising out of
work done by You or on Your behalf or under Your direction. We may pay or take action to remove
such liens. You will promptly reimburse Us for all payments made to
release any liens and for Our expenses, including reasonable attorney’s fees, as Additional Rent.



Signs



You will not put any signs or lettering on the Land, Building, doors, windows, or other parts of
the exterior of the Premises.



Security Deposit



The Security Deposit is security for the faithful performance of Your obligations under this
Lease and is not advance rent or a measure of Our damages in the event of Your default. We need not
keep the Security Deposit separate from our general funds, and no interest shall be paid to You on
these funds. We may use any or all of the Security Deposit for the payment of Rent, Additional
Rent, or any other obligation due Us by You. If we apply any portion of the Security Deposit to any
of Your obligations, You shall pay to Us the amount applied within five (5) business days of Our
notice to You. If You faithfully perform all of Your obligations, We will promptly return the
Security Deposit to You shortly after You vacate the Premises at the end of Your Lease term.





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Assignment & Subletting



You will not assign or sublet the Premises without Our prior written consent, which will not
be unreasonably withheld. We may condition Our reasonable consent upon such terms as We deem in
Our best interest.



Casualty



In the event that the Building or Premises are damaged by fire or other casualty, We may
choose to terminate this Lease, without further liability to You by giving written notice within
sixty (60) days of the date of casualty. Rent and Additional Rent will be prorated to the date of
the casualty. If We choose to rebuild the Building or Premises to the conditions existing prior to
the casualty, the Lease will remain in full force and effect during restoration. If the Premises
are untenantable during restoration, You will not be obligated to pay Rent or Additional Rent from
the date of the casualty to the date the Premises are tendered for occupancy. If the Premises are
partially damaged, You will be obligated to pay Rent and Additional Rent in proportion to the
undamaged floor area.



If We have not completed restoration in one hundred eighty (180) days following the date of the
casualty, You may terminate this Lease by giving Us written notice within ten (10) days after the
end of the one hundred eighty (180) day period. If You do not exercise this right within the time
allowed, You lose the privilege to terminate this Lease.



We will not be required to repair, replace or reimburse You for any of Your property that may have
been damaged by the casualty. We will not be liable for any loss or damage You might incur for
interruption of Your business, or for delays in completing the restoration, or otherwise.



Insurance



Tenant shall at all times during the Term of this agreement maintain, at its own cost and
expense, insurance against claims for personal or bodily injury, death, or property damage
resulting from or in connection with Tenant’s use of Premises. Insurance protection must include
the following amounts:





	(a)	 	public liability insurance covering both Tenant and Landlord as insureds with terms
and in companies satisfactory to Landlord, with limits of not less than $1,000,000 for injury to or
death of any one person and $2,000,000 for injury or death to more than one person, in any one
occurrence for personal injury, and $300,000 for property damages for any one occurrence, and;
	 
	(b)	 	workmen’s compensation insurance in statutory limits.




Tenant shall prior to the commencement of the Term, furnish to Landlord certificates evidencing
such coverage, which certificates shall state that such insurance coverage may not be changed or
canceled without at least ten (10) days’ prior written notice to Tenant and Landlord. Tenant shall
furnish Landlord ten (10) days prior to the stated expiration date of any such insurance coverage
with certificates evidencing that such coverage has been renewed. The aforesaid insurance shall be
in such companies and in form substance and amounts (where not stated above) satisfactory to
Landlord. The aforesaid insurance shall not be subject to cancellation except after at least thirty
(30) days’ prior written notice to Landlord.



Eminent Domain



If any public or quasi-public authority acting under the power of eminent domain takes all the
Land, Building or Premises, or We transfer the property in settlement of a threat of the exercise
of the power of eminent domain, then this Lease shall terminate as of the date of possession of the
condemning authority, and Rent and Additional Rent will be prorated to the date of possession. If
less than all of the Land or Building is taken by eminent domain, We may terminate this Lease in
Our sole discretion. In either case, notice must be given by whomever desires to terminate the
Lease to the other party or parties to this Lease within thirty (30) days after the notice of
taking by eminent domain. The Lease will remain in effect until the date of possession of the
condemning authority, and Rent and Additional Rent will be prorated to that date. You will have any
claim to any award We may receive as a result of this.



Indemnity



You agree to indemnify Us from all claims, costs, damages, and expenses We may suffer or
incur, including attorney’s fees, caused, directly or indirectly, by: (1) the conduct or management
of the business conducted by You in the Premises; (2) caused directly or indirectly by Your failure
to comply with the terms of this Lease; or (3) any act, omission, or negligence committed by You or
Your agents, employees, contractors, licensees or other person or persons in or about the Premises
whether such persons are doing work for You or not. In the event anyone makes a claim against Us
which





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is included in Your agreement and for which You have agreed to indemnify Us, You will engage and
pay for attorneys to defend Us who are acceptable to Us. You release Us from and waive any claims
against Us arising out of any repair or accident in or about the Building resulting from Your act
or an act of any other tenant or occupant of the Building. In no event shall either party be
charged with or liable for any consequential damages of any kind.



Subordination



Your rights under this Lease are subordinate to the rights of the mortgagees and holders of
trust deeds against the Land and Building, which now exist or may be placed against the Land and
Building in the future. If any mortgagee or trust deed holder forecloses against the Land or
Building, You agree to accept the mortgagees, trust deed holder or their assigns as lessor
(“attorn”) under the terms of this Lease.



Estoppel Certificate



You agree to execute a certificate concerning Your lease terms, payments made or due, or
events of default within ten (10) days of Our request. If You are claiming any defenses to this
Lease You must say so in the Estoppel Certificate. The certificate(s) may be delivered to and
relied upon by prospective purchasers and mortgagees.



Other Tenants



We shall not be liable for any interference or disturbance by other tenants or third persons
nor may You terminate this Lease or reduce Your obligations to pay Rent or Additional Rent by
reason of such interference or disturbance.



Default



You are in default if any of the following events occur:





	 	(a)	 	You fail to pay any sum within five (5) days after written notice that such sum is
due;
	 
	 	(b)	 	You fail to cure any obligation or term of this Lease other than an obligation to pay
money within fifteen (15) days of written notice of non-compliance;
	 
	 	(c)	 	You vacate or abandon any portion of the Premises;
	 
	 	(d)	 	You fail to vacate the Premises upon termination of this Lease;
	 
	 	(e)	 	Any petition is filed against or by You in a bankruptcy or other court to delay
payment of or to reduce or modify Your debts:
	 
	 	(f)	 	A custodian, receiver or trustee is appointed to take charge of Your property or
business;
	 
	 	(g)	 	You fail to maintain the Premises as provided in this Lease;
	 
	 	(h)	 	You fail to follow the reasonable rules or regulations furnished to You and other
tenants.




Any failure by Us to enforce any term of this Lease shall not be a waiver of any
future default of the same or different terms. Our acceptance of any payment or
delay in electing any remedy shall not be a waiver of any default, unless We notify You of
a waiver in writing.




Remedies



In the event of any default, We may pursue any one or more of the following remedies, plus all
other remedies allowed by law or in equity.





	 	(a)	 	Terminate the Lease, and You agree to deliver possession of the Premises to Us
immediately. We may then recover damages equal to the net present value (using a 6% discount rate)
of all payments to be made under this Lease through the end of the term, plus the amounts necessary
to make the Premises suitable for sale or rent, plus the cost of performing obligations required of
You during the Lease, plus expenses of finding a new tenant, less rents and payments received;
	 
	 	(b)	 	Terminate Your right to possession of the Premises under the Lease without terminating
the Lease, in which case We may, but are not required to, relet the Premises for Your account and
upon such terms and conditions as We deem appropriate. You will be liable to Us for the costs to
redecorate, remodel, repair, and relet (including broker’s fees), and for attorney’s fees. If the
amounts received upon the reletting are insufficient, You will pay Us any deficiency on demand;
	 
	 	(c)	 	Enter the Premises, with due process of law, to repossess the Premises, to remove You
and any others occupying the Premises, and to remove any and all property We might find on
the





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	 	 	 	Premises. This action shall not be a trespass, eviction or forcible entry and
detainer. By signing this Lease You waive any right to claim damages for this action, and
this action, shall not relinquish any other right We might have.




Any property removed from the Premises may be handled, disposed of, or, at Our option, stored by Us
at Your risk, loss and expense. We will not be liable for the value, preservation or safekeeping of
the property. After thirty (30) days, We may, at Our option, regard the property as conveyed to Us
by a bill of sale, without further payment or credit to You.



Obligation To Pay Expenses



On Our written demand You shall pay all of Our expenses, costs and charges, including fees of
attorneys, appraisers, agents and real estate brokers, incurred by Us in any transaction,
negotiation, or litigation in which You cause Us to become involved, whether or not legal
proceedings result.



Holding Over



In the event that You retain possession of the Premises beyond the Term of this Lease, or
after termination of Your right to possession under this Lease, You shall pay on a daily basis 200%
of the applicable Rent and Additional Rent plus any damages, including damages incurred by
subsequent tenants, arising out of holding possession after termination. We may elect, by giving
written notice, to treat holding over as a renewal of this Lease for a period from month to month
or for one year, whichever is specified in the notice, at 200% of the Rent and Additional Rent then
applicable. Acceptance of money by Us, without a written notice of Our election to renew the Lease,
does not give You any rights to renewal or waive Our rights to re-enter and take possession and
give notice, at a later time, as specified in this paragraph.



Rights Reserved To Us



Without limiting any other right We may have, We reserve the right to enter the Premises in
the exercise of the following (without such re-entry being deemed an eviction or a disturbance of
Your use and possession of the Premises):





	 	(a)	 	Have pass keys to the Premises;
	 
	 	(b)	 	Make inspections of the Premises and exhibit the Premises, to prospective purchasers,
mortgagees and other persons having a legitimate interest in viewing the same;
	 
	 	(c)	 	Exhibit the Premises to prospective tenants during the last year of the Lease Term;
	 
	 	(d)	 	Place “For Sale” or “For Rent” signs on the Land or Building;
	 
	 	(e)	 	Install and maintain signs on the Land and Building or within the common areas;
	 
	 	(f)	 	Approve the weight, size and location of safes, computers and any other heavy
articles to be situated in the Premises by You;
	 
	 	(g)	 	Exclude or expel any peddler, solicitor or unauthorized person at any time;
	 
	 	(h)	 	Perform any acts relative to safety, protection or preservation of the Building and all
tenants, and during such operations, to take into and through the Building and Premises all
materials and equipment required, and to close or suspend temporarily the use of the common areas
of the Building. All of the foregoing may be done during normal business hours, except in the event
that such work is at Your request or caused by Your negligence or the negligence of Your employees,
customers, guests, and invites. In that event, if it shall become necessary to perform such work
during other than normal business hours, You shall pay to Us the costs of over-time and other
expenses incurred.
	 
	 	(I)	 	Enter the Premises in the event of an emergency and take necessary action.
	 
	 	(j)	 	Change the street address of the Building, or change the office numbering system of
the Premises.




No act by Us shall be construed as an agreement to terminate this Lease, or an acceptance of
surrender of the Premises, unless We give You written notice.





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Notices



All notices and demands required or permitted must be in writing and will be effective on the
date of hand delivery with receipt, or date of mailing by certified or registered U.S. Mail,
postage fully prepaid, or date sent using an overnight package courier, addressed as follows:



625 North Court Building

c/o Moats Office Properties
PO Box 1189

Palatine, IL 60078-1189



Miscellaneous



This Lease and its Exhibits are the entire agreement of the parties and supersedes all prior
agreements, understandings, representations and negotiations. All modifications and amendments must
be signed by You and Us to be enforceable. If any term of this Lease is unenforceable, void or
against public policy, the remaining terms of this Lease shall remain in full force and effect.



This Lease shall be binding on Your and Our successors and assigns.



Right of First Refusal



Tenant shall have the Right of First Refusal of all contiguous space within the building.



Option To Renew



Tenant shall have the option to renew for one (1) five-year period at 90% of the then fair
market rental value of similar office space in Palatine, II. Tenant shall provide 180 days written
notice prior to expiration of lease to exercise this option.



Landlord shall paint Tenant’s premises at the beginning of the renewal this lease




LANDLORD:

Lawrence R. Moats, Agent for Beneficiaries of

Trust No. MP-011567, With The First Chicago Trust Company of Illinois, as Trustee




	 	 	 	 	 	 	 	 	 	 	 
	By

	 	/s/ [ILLEGIBLE]
	 	 	 	Title
	 	Agent
	 	 
	 

	 	 

	 	 	 	 	 	 	 	 






TENANT:

Royal American Bank, Inc.




	 	 	 	 	 	 	 	 	 	 	 
	By

	 	/s/ [ILLEGIBLE]
	 	 	 	Title
	 	Vice Chairman
	 	 
	 

	 	 

	 	 	 	 	 	 	 	 






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FIRST LEASE AMENDMENT



This Lease Amendment constitutes an amendment of the original Lease Agreement, dated
24thday of September, 1999 made between Lawrence R. Moats, agent and holder of power of
direction of the beneficiary of Trust No. MP-011567, Dated March 16, 1992, with the First Chicago
Trust Company of Illinois as Trustee (“Landlord”) and Royal American Bank, Inc. (“Tenant”). All
terms and Conditions cited in the original Lease Agreement shall apply to this Lease amendment,
entered into by the parties defined below, except as specifically modified herein.



On this date, November 12, 2002, Moats Office Properties, Inc. successor agent and holder of power
of direction of the Beneficiary of Trust No. MP-011567, Dated March 16, 1992, With The First
Chicago Trust Company of Illinois, as Trustee
(herein referred to as “We”, “Us”, “Our”, and “Landlord”) and Royal American Bank, Inc. (herein
referred to as “You”, “Your”, “Yours” and “Tenant”) agree as follows: To lease the premise defined
below under the following terms:




Basic Terms



Suite No. is 280 is modified to contain approximately 3709 Rentable Square Feet in a building known
as 625 N. North Court, Palatine, Illinois, of an office building containing a total rentable area
of approximately 24,228 square feet. Tenant’s proportionate share of the Building is 15.31%
(“Proportionate Share”), or as shall be later adjusted by Landlord based upon the percentage that
the Rentable square feet of the Premises bears to the total rentable square feet of the Building.
The term of the Lease shall begin December 1, 1999 and continue through November 30, 2006, with the
following monthly installments:



From December 15, 2002 to November 30, 2003 at $5,123.00 Per Month

From December 1, 2003 to November 30, 2004 at $5,251.00 Per Month

From December 1, 2004 to November 30, 2005 at $5,382.00 Per Month

From December 1, 2005 to November 30, 2006 at $5,517.00 Per Month



Early Option To Terminate



Tenant shall have a one time right to terminate the last year (December 1, 2005 to November 30,
2006) of this lease by providing Landlord with a minimum 30 days advanced written notification
prior to December 1, 2005. If the Tenant does not provide the Landlord with 30 days written notice
prior to December 1, 2005 then the Lease will remain in effect for its full term.



See Exhibit “A” for modified floor plan.




	 	 	 
	LANDLORD

	 	TENANT
	Moats Offices Properties, Inc.

	 	Royal American Bank






	 	 	 	 	 	 	 	 	 	 	 
	By

	 	 	 	 
	 	By
	 	/s/ [ILLEGIBLE]
	 	 
	 

	 	 
	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 
	Date

	 	 	 	 	 	Date
	 	1/16/03	 	 
	 

	 	 

	 	 	 	 	 	 	 	 






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SECOND LEASE AMENDMENT



This Lease Amendment constitutes an amendment of the original Lease Agreement,
dated 24th day of September, 1999 and First Lease Amendment, dated November 12,2002 made
between Moats Office Properties, Inc. successor agent and holder of power of direction of the
beneficiary of Trust No. MP-011567, Dated March 16,1992, with the First Chicago Trust Company of
Illinois as Trustee (“Landlord”) and Royal American Bank,
Inc. (“Tenant”). All terms and Conditions
cited in the original Lease Agreement shall apply to this Lease amendment, entered into by the
parties defined below, except as specifically modified herein.



On this date, September 20,2006, Moats Office Properties, Inc. successor agent and holder of
power of direction of the Beneficiary of Trust No. MP-011567, Dated March 16,1992, With The First
Chicago Trust Company of Illinois, as Trustee (herein referred to as
“We”, “Us”, “Our”, and
“Landlord”) and Royal American Bank, Inc. (herein referred to as “You”, “Your”, “Yours” and
“Tenant”) agree as follows: To lease the premise defined below under the following terms:




Basic Terms



Suite No. is 280 is modified to contain approximately 3709 Rentable Square Feet in a building known
as 625 N. North Court, Palatine, Illinois, of an office building containing a total rentable area
of approximately 24,228 square feet. Tenant’s proportionate share of the Building is 15.31%
(“Proportionate Share”), or as shall be later adjusted by Landlord based upon the
percentage that the Rentable square feet of the Premises bears to the total rentable square
feet of the Building. The term of the Lease shall begin December 1,2006 and continue through
November 30,2007, with the following monthly installments:




From December 1,2006 to November 30,2007 at $5,655.00 Per Month



The Landlord shall have the right to show the space during this lease extension.



All other terms and conditions of the original lease dated September 24,1999 and First Lease
Amendment, dated November 12,2002 shall be binding as though the content were included in
this Lease amendment except as specifically modified herein.




	 	 	 
	LANDLORD

	 	TENANT
	Moats Offices Properties, Inc.

	 	Midwest Bank a Trust Company Inc.






	 	 	 	 	 	 	 	 	 	 	 
	By

	 	 	 	 
	 	By
	 	/s/ [ILLEGIBLE]
	 	 
	 

	 	 
	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 
	Date

	 	 	 	 	 	Date
	 	10/4/06	 	 
	 

	 	 

	 	 	 	 	 	 	 	 






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