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                                                                   Exhibit 10.21

                            FIRST AMENDMENT TO LEASE

     THIS FIRST AMENDMENT TO LEASE is made as of the 14th day of January, 2004
by and between 3600 WILSHIRE, LLC, A CALIFORNIA LIMITED LIABILITY COMPANY, By:
JPB Partners Inc., a California corporation as ("Landlord") and NARA BANK,
National Association, (herein called "Leasee" or "Tenant"). This First Amendment
to Lease amends that certain Lease dated January 17, 2003 and Addendum I to
Lease dated January 17, 2003 for those Premises ("Premises") known as Suite
100-A on the 1st floor consisting of 7961 rentable square feet, in 3600 Wilshire
Boulevard, Los Angeles, California 90010 (the "Building"). Said Office Lease,
First Amendment to Lease thereto are collectively referred to as the "Lease" in
this First Amendment to Lease.

                                    RECITALS

     WHEREAS, Tenant and Landlord desire to install a Building sign; and

     Landlord and Tenant have expressed agreement so long as all of the herein
below set forth terms and conditions are met.

     NOW, THEREFORE, in consideration of the foregoing and further
consideration of the mutual benefits provided below, the parties agree as
follows:

     1.   SIGNAGE: Notwithstanding anything to the contrary, Tenant is hereby
          granted the right to place prominent and illuminated signage on the
          north and south uppermost sides of the building. Design and placement
          of signage shall be subject to Landlord's review and approval, which
          shall not be unreasonably withheld or delayed and all signage shall
          require the use of English characters. Tenant shall abide by all local
          sign ordinances and pay cost associated therewith, including all
          permit fees. Said signage shall be installed at Tenant's sole cost and
          expense and Tenant shall maintain signage in good order and repair
          including adequate illumination at all times at Tenant's sole cost and
          expense. Upon termination of the Lease, Tenant shall remove its sign,
          repair any damages caused by the sign and return to its original
          condition.

     2.   SIGN FEE: Tenant shall pay to Landlord a monthly sign fee of five
          thousand and 00/100 dollars ($5,000.00) commencing April 1, 2004 or
          upon installation of sign, whichever comes first. Notwithstanding
          anything to the contrary, sign fee charges will constitute "rent"
          under the lease, for the duration of term.

     3.   LEASE TERM: The term shall be begin April 1, 2004 and terminate on
          June 30, 2013.

     4.   SIGN DEPOSIT: None.

     5.   OPTION TO RENEW: Provided Tenant is not in default under any terms and
          conditions of this Lease, Landlord shall grant Tenant one ten-year
          option at the then prevailing rate. Tenant must provide Landlord with
          six-(6) months prior written notice from the expiration date of its
          intent to exercise this option.

     6.   BROKERS: Tenant hereby warrants and represents that it has not dealt
          with any real estate Brokers or agents in connection with this First
          Amendment to Lease or its negotiation, other than Jamison Properties,
          Inc. ("Landlord's Broker"). Tenant shall indemnify and hold Landlord
          harmless from any cost, expense or liability (including costs of suit
          and reasonable attorneys' fees) for any compensation, commission or
          fees claimed by any real estate Broker or agents, other than
          Landlord's Broker, in connection with this First Amendment to Lease or
          its negotiation by reason of any act of Tenant.

     7.   ADDITIONAL PROVISIONS: Except for those provisions which are
          inconsistent with First Amendment to Lease and those terms, covenants,
          and conditions for which

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          performance has heretofore been completed, all other terms, covenants
          and conditions of the Lease shall remain in full force and effect.

IN WITNESS WHEREOF, THE PARTIES HAVE EXECUTED THIS First Amendment to Lease as
of the day and year first written.





LESSOR:                                            LESSEE:

3600 WILSHIRE, LLC, a California limited           NARA BANK,
liability company                                  A National Association
By: JPB Partners, Inc., a California corporation
Its: Manager

By:  [Illegible]                                  By:  /s/ Han Park
    ------------------------------------              --------------------------

Its: President as agent for JPB Partners          Print Name: Han Park
                                                  Its: Senior Vice President
Date: 3/2/04
      ----------------------------------          Date: 1/21/04
                                                        ------------------------

                                                  By:  /s/ Michel Urich
                                                      --------------------------

                                                  Print Name: Michel Urich
                                                  Its: Legal Counsel

                                                  Date: 1/21/04
                                                        ------------------------

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