Exhibit 10.14

COMMERCIAL LEASE OF HOUSE UNFURNISHED

BY THIS AGREEMENT made and entered into onJune 11, 2004,betweenMario J. Orlando
and Matthew J. Salafia,herein referred to as Lessor, andCarrollton Mortgage Services,herein referred to as Lessee, Lessor
leases to Lessee the premises situated at8905 Harford Road, Baltimore County, State of Maryland,and more particularly described as follows: 8905 Harford Road, Baltimore, MD
21234, "CALIFORNIA ORCHARDS",together with all appurtenances, for a term of 2 yearsto commerce onJuly 1, 2004,and to
end onJune 1,
2005, at 12:00 o'clock P. M.

1.Rent.Lessee agrees to pay, without demand, to Lessor as rent for the the demised premises the sum of Fifteen Hundred Dollars ($1500.00)per month in advance on the 1stday of each calendar month beginning July 1, 2004, at such as
Lessor may designate.

2.Security Deposit.On execution of this lease, Lessee deposits with LessorFifteen
Hundred Dollars ($1500.00),receipt of which is acknowledged by Lessor, as security for the faithful performance by Lessee of the terms hereof, to be returned to Lessee,
without interest, on the full and faithful performance by him of the provisions hereof.

3.Quiet Enjoyment.Lessor covenants that on paying the rent and performing the covenants herein contained,
Lessee shall peacefully and quietly have, hold, and enjoy the demised premises for the agreed term.

4.Use of Premises.The demised premises shall be used and occupied by Lessee exclusively as a private single
office space for the purposes of carrying on a business, trade or profession. Lessee shall comply with all the sanitary laws, ordinances, rules, and orders of appropriate governmental authorities
affecting the cleanliness, occupancy, and preservation of the demised premises, and the sidewalks connected thereto, during the term of this lease.

5.Number of Occupants.Lessee agrees that the demised premises shall be occupied by no more than the number of
persons allowed by law at any given time.

6.Condition of Premises.Lessee stipulates that he has examined the demised premises, including the grounds and
all buildings and improvements, and that they are, at the time of this lease, in good order, repair, and a safe, clean, and tenantable condition.

7.Assignment and Subletting.Without the prior written consent of Lessor, Lessee shall not assign this lease,
or sublet or grant any concession or license to use the premises or any part thereof. A consent by Lessor to one assignment, subletting, concession, or license shall not be deemed to be a consent to
any subsequent assignments, subletting, concession, or licensed. An assignment, subletting, concession, or license without the prior written consent of Lessor, or an assignment or subletting by
operation of law, shall be void and shall, at Lessor's option, terminate this lease.

8.Alterations and Improvements.Lessee shall make no alterations to the building on the demised premises or
construct any building or make other improvements on the demised premises without prior written consent of Lessor. All alterations, changes, and improvements built, constructed, or placed on the
demised by Lessee, with the exception of fixtures removable with out damage to the premises and movable personal property, shall, unless otherwise provided by written agreement between Lessor and
Lessee, be the property of Lessor and remain on the demised premises at the expiration or sooner termination of this lease.

9.Damage to Premises.If the demised premises, or any part thereof, shall be partially damaged by fire or other
casualty not due to Lessee's negligence or willful act or that of his employee, family, agent, or visitor, the premises shall be promptly repaired by Lessor and there shall be an abatement of

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rent
corresponding with the time during which, and the extent to which, the leased premises may have been untenantable; but, if the leased premises should be damaged other than by Lessee's negligence
or willful act or that of his employee, family, agent, or visitor to the extent that Lessor shall decide not to rebuild or repair, the term of this lease shall end and the rent shall be prorated up to
the time of damage.

10.Dangerous Materials.Lessee shall not keep or have on the leased premises any article or thing of a
dangerous, inflammable, or explosive character that might unreasonably increase the danger of fire on the leased premises or that might be considered hazardous or extra hazardous by any responsible
insurance company.

11.Utilities.Lessee shall be responsible for arranging for and paying for all utilities services.

12.Maintenance and Repair.Lessee will, at his sole expense, keep and maintain the leased premises and
appurtenances in good and sanitary condition and repair during the term of this lease and any renewal thereof. In particular, Lessee shall keep the fixtures in the house or on or about the leased
premises in good order and repair; keep the furnace clean; keep the electric bills in order; keep the walks free from dirt and debris; and, at his sole expenses, shall make all required repairs to the
plumbing, range, heating apparatus, and electric and gas fixtures whenever damage thereto shall have resulted from Lessee's misuse, waste, or neglect or that of his employee, family, agent, or
visitor. Major maintenance and repair of the leased premises, not due to Lessee's misuse, waste, or neglect or that of his employees, family, agent, or visitor, shall be the responsibility of Lessor
of his assigns.

13.Animals.Lessee shall keep no domestic or other animals on or about the leased premises without the written
consent of Lessor.

14.Right of Inspection.Lessor and his agent shall have the right at all reasonable times during the term of
this lease and any renewal thereof to enter the demised premises for the purpose of inspecting the premises and all building and improvements thereon.

15.Display of Signs.During the last 60 days of this lease, Lessor or his agent shall have the privilege
of displaying the usual "For Sale" or "For Rent" or "Vacancy" signs on the demised premises and of showing the property to prospective purchasers or tenants.

16.Subordination of Lease.This lease and Lessee's leasehold interest hereunder are and shall be subject,
subordinate, and inferior to any liens or encumbrances now or hereafter placed on the demised premises by Lessor, all advances made under any such liens or encumbrances, the interest payable on any
such liens or encumbrances, and any and all renewals or extensions of such liens or encumbrances.

17.Holdover by Lessee.Should Lessee remain in possession of the demises premises with the consent of Lessor
after the natural expiration of this lease, a new month-to-month tenancy shall be created between Lessor and Lessee which shall be subject to all terms and conditions hereof
but shall be terminated on 30 days' written notice served by either Lessor or Lessee on the other party.

18.Surrender of Premises.At the expiration of the lease term, Lessee shall quit and surrender the premises
hereby demised in as good state and condition as they were at the commencement of this lease, reasonable use and wear thereof and damages by the elements excepted.

19.Default.If any default is made in the payment of rent, or any part thereof, at the times hereinbefore
specified, or if any default is made in the performance of or compliance with any other term or condition hereof, the lease, at the option of Lessor, shall terminate and be forfeited, and Lessor may
re-enter the premises and remove all persons therefrom. Lessee shall be given written notice of any default or breach, and termination and forfeiture of the lease shall not result if,
within 15 days of receipt of such notice, Lessee has corrected the default or breach or has taken action reasonably likely to effect such correction within a reasonable time.

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20.Abandonment.If at any time during the term of this lease Lessee abandons the demised premises or any part
thereof, Lessor may, at his option, enter the demised premises by any means without being liable for any prosecution therefore, and without becoming liable to Lessee for damages or for any payment of
any kind whatever, and may, at is discretion, as agent for Lessee, relet the demises premises, or any part thereof, for the whole or any part of then unexpired term, and, may receive and collect all
rent payable by virtue of such reletting, and at Lessor's option, hold Lessee liable for any difference between the rent that would have been payable under this lease during the balance of the
unexpired term, if this lease had continued in force, and the net rent for such period realized by Lessor by means of such reletting. If Lessor's right to re-entry is exercised following
abandonment of the premises by Lessee, then Lessor may consider any personal property belonging to Lessee and left on the premises to also have been abandoned, in which case Lessor may dispose of all
such personal in any manner Lessor shall deem proper and is hereby relieved of all liability for doing so.

21.Tenant Personal Property and Liability Insurance.All Tenant's personal property in said premises shall be
and remain at his sole risk, and the Landlord shall not be liable for any damage to, or loss of such personal property arising from any acts of negligence of any other persons, nor from the leaking of
the roof, or from the bursting, leaking or overflowing of water, sewer or steam pipes, or from heating or plumbing fixtures, or from the handling of electric wires or fixtures, or from any other cause
whatsoever, nor shall the Landlord be liable for any injury to the person or the tenant or other persons in or about the premises, the Tenant expressly agreeing to save the Landlord harmless in all
such cases and to carry Public Liability Insurance in a company and in an amount not less than the following limits: Bodily Injury$1,000,000.00 per occurrence; Property
Damage$1,000,000.00 per occurrence. Tenant shall also carry "Fire Legal Liability" Insurance in an amount not less than the following limits: $75,000.00 per occurrence.

22.Binding Effect.The covenants and conditions herein contained shall apply to and bind the heirs, legal
representatives, and assigns of the parties hereto, and all covenants are to be construed as conditions of this lease.

IN
WITNESS WHEREOF, the parties have executed this lease on the day and year first above written.

|                                               |  |                             
|---------------------------------------------- |  | ----------------------------
|/s/MARIO J. ORLANDOMario J. OrlandoLessor     |  | Carrollton Mortgage Services
|/s/MATTHEW J. SALAFIAMatthew J. SalafiaLessor |  | By: [ILLEGIBLE]             

This
contract shall continue to be in force month to month from the end date. It shall continue until either party notifies the Lessee or Lessor with 30 days written notification
by certified mail. Any request shall be sent to 8905 Hartford Road, Parkville, MD 21234 Attn: Mario J. Orlando.

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Suite 213-216

TURF VILLAGE OFFICES, LLC.

STANDARD LEASE AGREEMENT

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TABLE OF CONTENTS

|1.  |  | DEFINITIONS                                   |  | 1 
|--- |  | --------------------------------------------- |  | --
|2.  |  | DEMISE OF PREMISES                            |  | 3 
|3.  |  | IMPROVEMENTS                                  |  | 3 
|4.  |  | RENT                                          |  | 3 
|5.  |  | LATE PAYMENTS                                 |  | 4 
|6.  |  | SECURITY DEPOSIT                              |  | 4 
|7.  |  | RENEWAL                                       |  | 4 
|8.  |  | UTILITIES                                     |  | 4 
|9.  |  | TAXES                                         |  | 4 
|10. |  | COMMON AREAS AND EXPENSES                     |  | 5 
|11. |  | RESTRICTIONS ON USE; COMPLIANCE WITH LAW      |  | 6 
|12. |  | SERVICES, REPAIRS, AND MAINTENANCE BY TENANT  |  | 6 
|13. |  | REPAIRS BY LANDLORD                           |  | 6 
|14. |  | PLACEMENT OF HEAVY EQUIPMENT                  |  | 7 
|15. |  | FORCE MAJEURE                                 |  | 7 
|16. |  | SURRENDER OF PREMISES                         |  | 7 
|17. |  | ABANDONING PREMISES OR PERSONAL PROPERTY      |  | 7 
|18. |  | QUIET ENJOYMENT                               |  | 7 
|19. |  | IMDEMNIFICATION AND WAIVER OF CLAIM           |  | 7 
|20. |  | INSURANCE                                     |  | 8 
|21. |  | EFFECT ON INSURANCE                           |  | 10
|22. |  | TOTAL OR PARTIAL DESTRUCTION OF PREMISES      |  | 10
|23. |  | TOTAL OR PARTIAL DESTRUCTION OF BUILDING      |  | 11
|24. |  | ALTERATIONS                                   |  | 11
|25. |  | MECHANICS' LIENS                              |  | 11
|26. |  | BREACH OR DEFAULT                             |  | 11
|27. |  | EFFECT OF BREACH                              |  | 12
|28. |  | LANDLORD'S LIEN                               |  | 14
|29. |  | ACCESS BY LANDLORD                            |  | 14
|30. |  | INTENTIONALLY DELETED                         |  | 14
|31. |  | ASSIGNMENT AND SUBLETTING                     |  | 14
|32. |  | CONDEMNATION                                  |  | 15
|33. |  | EXECUTION OF ESTOPPEL CERTIFICATE             |  | 15
|34. |  | SUBORDINATION, ATTORNMENT AND NON-DISTURBANCE |  | 16
|35. |  | SIGNS AND ADVERTISING                         |  | 16
|36. |  | RULES AND REGULATIONS                         |  | 16
|37. |  | ACCORD AND SATISFACTION                       |  | 16
|38. |  | NO PARTNERSHIP                                |  | 17
|39. |  | HOLDING OVER                                  |  | 17
|40. |  | INTENTIONALLY DELETED                         |  | 17
|41. |  | RECORDATION                                   |  | 17
|42. |  | WAIVERS                                       |  | 17
|43. |  | REMEDIES FOR LANDLORD                         |  | 17
|44. |  | TABLE OF CONTENTS; CAPTIONS                   |  | 17
|45. |  | NOTICES                                       |  | 17
|46. |  | APPLICABLE LAW                                |  | 17
|47. |  | SUCCESSORS AND ASSIGNS                        |  | 17
|48. |  | WAIVER OF TRIAL BY JURY                       |  | 18
|49. |  | RIGHTS OF AND CLAIMS AGAINST LANDLORD         |  | 18
|50. |  | CALCULATION OF TIME                           |  | 18
|51. |  | ACCESS                                        |  | 18
|    |  |                                               |  |   

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|52. |  | SEVERABILITY        |  | 18
|--- |  | ------------------- |  | --
|53. |  | COUNTERPARTS        |  | 18
|54. |  | TOTAL AGREEMENT     |  | 18
|55. |  | TIME OF THE ESSENCE |  | 19
|56. |  | COMMERCIAL PURPOSE  |  | 19

LIST OF EXHIBITS

|Exhibit A |  | Description of the Premises
|--------- |  | ---------------------------
|Exhibit B |  | Rules and Regulations      

LIST OF SCHEDULES

|Schedule 1 |  | Landlord's Work
|---------- |  | ---------------
|Schedule 2 |  | Tenant's Work  
|Schedule 3 |  | Parking        

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STANDARD LEASE AGREEMENT

THIS STANDARD LEASE AGREEMENT (this "Lease") is made as of the          day of December, 2004 by and between TURF VILLAGE OFFICES, LLC,
a Maryland limited
liability company (hereinafter referred to as "Landlord"), and CARROLLTON MORTGAGE SERVICES, INC. (hereinafter referred to as "Tenant").

Recitals

Tenant desires to lease the Premises (hereinafter defined), within the Building (hereinafter defined) for the purposes set forth in Section 11, and
Landlord and Tenant desire to enter into this Lease which defines their respective rights, duties, and liabilities relating to the Building and the Premises.

NOW,
THEREFORE, WITNESSETH in consideration of the mutual promises and covenants contained herein, and other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, Landlord and Tenant hereby agree as follows:

1.DEFINITIONS.For purposes of this Lease, Landlord and Tenant hereby agree that the following terms shall have
the indicated meanings:



TERM

ANNUAL
RENT

MONTHLY
RENTFrom 02/15/2005 to 02/14/2006

$
58,200.00

$
4,850.00




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When
used herein, the singular shall apply to the plural, the plural the singular, and the use of any gender shall apply to all genders.

2.DEMISE OF PREMISES.Landlord leases to Tenant and Tenant hereby leases from Landlord the Premises for the
Term, Rent, and upon the terms, covenants, and conditions set forth herein.

3.IMPROVEMENTS.

a.     Landlord
agrees to perform or cause to be performed within a reasonable period of time all that work set forth on Schedule 1to be attached hereto and made a part hereof at the price indicated therein
unless Landlord has agreed to permit Tenant to perform or
cause to be performed said work. No improvements other than those on Schedule 1 will be performed or permitted without Landlord's prior written consent.

b.     Any
work Landlord authorizes pursuant to Schedule 2 attached hereto and made a part hereof shall be performed at Tenant's expense. During Tenant's performance of
such work, Tenant shall at its expense, remove from the Property all trash which it may accumulate. During such period of work, Tenant shall not unreasonably interfere with Landlord's construction
activities and shall maintain workmen's compensation, liability and builder's risk insurance in amounts satisfactory to Landlord. All work done by Tenant shall be done in accordance with all
applicable building codes, statutes, regulations, laws, ordinances of federal, state, county and municipal authorities and with any direction or order made pursuant to law by any public official or
agency. All improvements (as distinguished from trade fixtures) shall be the property of Landlord and may not be removed without its consent.

c.     By
opening the Premises for business, Tenant shall be deemed to have: (i) accepted the Premises, (ii) acknowledged that the Premises are ready for occupancy
hereunder, and (iii) agreed that the obligations of the Landlord pursuant to the attached Schedule 1 have been fully performed.

4.RENT.Tenant shall pay Monthly Installments of Annual Rent in advance on the first day of each month for the
Term of this Lease, without deduction, set-off, recoupment, counterclaim, or

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demand,
at Landlord's Address or at such other place as shall be designated in writing by Landlord. If the Term shall commence or end on a day other than the first day of a month, the Monthly
Installments of Annual Rent for any such partial month of the Term shall be prorated on a per diem basis. Upon the execution of this Lease, Tenant shall pay an amount equal to one (1) Monthly
Installment of Annual Rent

5.LATE PAYMENTS.In the event that any Monthly Installment of Annual Rent or Additional Rent shall be past due
for more than ten (10) days, Tenant shall pay to Landlord as Additional Rent a late charge equal to the greater of (a) five percent (5%) of the unpaid Rent, or (b) the interest on
the unpaid Rent from the date when due until payment at the rate of fifteen percent (15%) per annum, or, if less, the highest rate permitted by law. The late charge imposed under this Section is not a
penalty and has been agreed to by Landlord and Tenant as necessary to compensate Landlord for its additional costs associated with late payment.

6.SECURITY DEPOSIT.Landlord has elected to waive any Tenant security deposit with Landlord.

7.RENEWAL.Upon the expiration of the Original Term, Tenant shall have an option to extend this Lease for a
Renewal Term of one (1) year, provided that Tenant gives Landlord at least ninety (90) days prior written notice of its unconditional and irrevocable exercise of each such option and
provided further Tenant is not then and has not been in default hereunder. In the event that Tenant exercises its
option as to any Renewal Term, all provisions of this Lease shall apply during each Renewal Term except that the Annual Rent and Monthly Installments of Annual Rent which shall be as follows:

TERM

ANNUAL
RENT

MONTHLY
RENTRENEWAL OPTION 1:From 02/15/06 to 02/14/07

$
59,946.00

$
4,995.50RENEWAL OPTION 2:From 02/15/07 to 02/14/08


61,744.32


5,145.36RENEWAL OPTION 3:From 02/15/08 to 02/14/09


63,596.76


5,299.73


8.UTILITIES AND SERVICES.From and after the Commencement Date, to the extent utilities are separately metered
for the Premises, Tenant shall make arrangements with each utility company and public body to provide, in Tenant's name, electricity for heat, air conditioning and lighting and telephone, necessary
for Tenant's use of the Premises. Tenant shall pay directly to the companies furnishing utility service the cost of all service connection fees and the cost of all utilities consumed throughout the
Term. In the event that Tenant fails to pay in a timely manner any sum required under this Section, Landlord shall have the right, but not the obligation, to pay any such sum. Any sum so paid by
Landlord shall be deemed to be owing by Tenant to Landlord and due and payable as Additional Rent within five (5) days after demand therefore. To the extent any utilities are not separately
metered for the Premises, Landlord shall furnish such utility services to Tenant, and in such event, the cost of provision of such services shall be charged to Tenant as Additional Rent. The amount
charged for such utility service shall be determined by Landlord, which determination shall be conclusive and binding on Tenant. Any additional Rent owing by Tenant to Landlord for utilities shall be
due and payable within five (5) days after demand therefore.

9.TAXES.

a.     Tenant
shall be liable for all taxes levied against personal property, trade fixtures, and tenant improvements placed by Tenant in the Premises. If any such taxes based
on the personal property or trade fixtures placed by Tenant in the Premises are levied against Landlord or Landlord's property,

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Tenant
shall pay to Landlord upon demand that part of such taxes for which Tenant is primarily liable hereunder.

b.     Landlord
shall pay all Taxes currently assessed against the Building and the Property. Tenant agrees to pay to Landlord as Additional Rent Tenant's Percentage of all
increases in taxes in excess of base year taxes commencing with lease commencement date. Landlord is authorized to deposit those funds in a non-interest-bearing account (in which account
other monies of Landlord may be co-mingled provided Landlord maintains accurate books and records with respect thereto). Tenant authorizes Landlord to use the funds paid to Landlord under
this Section to pay the Taxes levied or assessed against the Property. Each Tax Escrow Payment shall be Additional Rent and shall be due and payable at the same time and in the same manner as the time
and manner of the payment of Annual Rent as provided herein. The Tax Escrow Payment account of Tenant shall be reconciled annually. If the Tenant's total Tax Escrow Payments are less than Tenant's
Percentage of the increase in Taxes over the Base Year Taxes, Tenant shall pay the difference to Landlord upon demand; if the total Tax Escrow Payments of Tenant are more than Tenant's Percentage of
the increase in Taxes over the Base Year Taxes, Landlord shall retain such excess and credit it to Tenant's Tax Escrow Payment obligation. If Tenant should fail to pay any Taxes required to be paid by
Tenant hereunder, in addition to any other remedies provided herein, Landlord may, if it so elects, pay such Taxes. Any sum so paid by Landlord shall be deemed to be owing by Tenant to Landlord and
due and payable as Additional Rent within five (5) days after demand thereof. All excess escrow payment should be applied to any rent due.

c.     If
at any time during the Term of this Lease, the present method of taxation shall be changed so that in lieu of the whole or any part of any taxes, assessments, levies,
or charges levied, assessed, or imposed on real estate and the improvements thereon, there shall be levied, assessed, or imposed on Landlord a capital levy or other tax directly on the rents received
there from and/or a franchise tax assessment, levy, or charge measured by or based, in whole or in part, upon such rents or the Building, then such taxes, assessments, levies, or charges that are in
lieu of the present method of taxation shall be deemed to be included within the term "Taxes" for the purposes hereof.

d.     Any
payment to be made pursuant to this Section with respect to the real estate tax year in which this Lease terminates shall bear the same ratio to the payment which
would be required to be made for the full year as that part of such tax year covered by the Term of the Lease bears to a full tax year.

10.COMMON AREAS AND EXPENSES.In addition to the use of the Premises, Tenant, its employees, and business
invitees shall have the right to use the Common Areas in common with Landlord and other tenants of the Building, their employees, and business visitors. Tenant shall not obstruct the Common Areas or
use them for any purpose other than their customary or intended purposes. All
Common Areas shall be subject to the exclusive control of Landlord. Landlord shall operate, manage, equip, police, light, and maintain the Common Areas, all in such manner as Landlord, in its sole
discretion, may, from time to time determine, and Landlord shall have the sole right and exclusive authority to employ and discharge all personnel with respect thereto. Landlord hereby expressly
reserves the right to maintain security for the Common Areas; to use and to allow others to use the Common Areas for any purpose; to change the size, area, level, location, and arrangement of the
Common Areas; to close temporarily all or any portion of the Common Areas for the purpose of making repairs, changes, or alterations thereto or performing necessary maintenance in connection with any
emergency or for any other purpose whatsoever, whether such purpose is similar or dissimilar to the foregoing.

Commencing
with lease commencement date: Tenant agrees to pay Landlord as Additional Rent Tenant's Percentage of all Operating Expenses in excess of Base Year Operating Expenses
attributable to the Property. During each month of the Term, Tenant shall pay to Landlord the Operating Expense Escrow Payment. Landlord is authorized to deposit those funds in a
non-interest-bearing account (in

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which
account other monies of Landlord may be co-mingled provided Landlord maintains accurate books and records with respect thereto). Tenant authorizes Landlord to use the funds paid to
Landlord to pay the Operating Expenses. Each Operating Expense Escrow Payment shall be Additional Rent and shall be due and payable at the same time and in the same manner as the time and manner of
the payment of Annual Rent as provided herein. The Operating Expense Escrow Account of Tenant shall be reconciled annually and a statement documenting the Operating Expenses for such year shall be
provided to Tenant upon request. If the Tenant's total Operating Expense Escrow Payments are less than Tenant's Percentage of the increase in Operating Expenses over Base Year Operating Expenses,
Tenant shall pay the difference to Landlord upon demand; if the total Operating Expense Escrow Payments of Tenant are more than Tenant's Percentage of the increase in Operating Expenses over Base Year
Operating Expenses, Landlord shall retain such excess and credit it to Tenant's Operating Expense Payments.

11.COMPLIANCE WITH LAW RESTRICTIONS ON USE.

a.     Tenant
shall not use or permit the Premises, or any part thereof, to be used for any purposes other than general offices. Furthermore, no use of the Premises shall be
made or permitted to be made that shall result in: (i) waste of the Premises or any part thereof, (ii) a public or private nuisance that may disturb the quiet enjoyment of Landlord or
other tenants of the Property; (iii) improper, unlawful, or objectionable use; or (iv) noises or vibrations that may disturb the Landlord or other tenants. Tenant shall comply at its own
expense with all restrictive covenants and governmental regulations and statutes affecting the Premises either now or in the future

b.     Tenant
shall at all times during the Term comply with all laws, ordinances, and regulations of federal, state, and local authorities pertaining to Tenant's use of the
Premises and with the recorded covenants, conditions, and restrictions, regardless of when they become effective, including, without limitation, all applicable federal, state, and local laws,
ordinances, or regulations pertaining to air and water quality, Hazardous Material, waste disposal, air emissions, and other environmental matters, all zoning and other land use matters, utility
availability, and with any direction of any public officer or officers, pursuant to law, which shall impose any duty upon Landlord or Tenant with respect to the use or occupation of the Premises.

12.SERVICES, REPAIRS, AND MAINTENANCE BY TENANT.Tenant shall at all times and at its own expense keep and
maintain the Premises in good order and repair, and in a neat, safe, clean, and orderly condition, including, but not limited to, regular janitorial and cleaning of the Premises, repairs and
replacements to the plumbing and electrical apparatus therein, the HVAC system serving the Premises. Tenant, at its own expense, will maintain a service contract with a state licensed HVAC contractor
to maintain the HVAC equipment in good and operable order during the Term of the Lease. Tenant shall not overload the electrical wiring serving the Premises or within the Premises. Tenant will repair
promptly at its own expense by or under the direction of Landlord any damage (whether structural or nonstructural) to the Premises or the Building caused by any construction or alterations performed
by Tenant or by bringing into the Premises or on the Property any property for Tenant's use, or by the installation or removal of such property, regardless of fault or by whom such damage shall be
caused, unless solely by the gross negligence of Landlord.

13.REPAIRS BY LANDLORD.Except as otherwise provided herein, Landlord shall maintain the central heating and
air conditioning system of the Building and the electrical wiring serving the Premises where within the Premises and shall make all structural repairs, including, but not limited to structural columns
and floors (excluding floor coverings such as carpet and floor tile) of the Premises, the roof of the Building, and the exterior walls of the Building, provided Tenant gives Landlord written notice
specifying the need for and nature of such repairs; provided, however, if Landlord is required to make any repairs to such portions of the Premises or Building by reason, in whole or in part, of the
negligent act or failure to act by Tenant or Tenant's contractors or subcontractors or its or their agents or employees, or by reason of any unusual use of the Premises by Tenant (whether or not such
use is a

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permitted
use hereunder), Landlord may collect the reasonable cost of such repairs, as Additional Rent, upon demand. Except as provided herein, Landlord shall have no liability to Tenant by reason of
any inconvenience, annoyance, interruption, or injury to business arising from the making of any repairs or changes which Landlord is required or permitted by this Lease to make, or by any other
tenant's lease or required by law to make in or to any portion of the Premises, Building, or Common Areas.

14.PLACEMENT OF HEAVY EQUIPMENT.Tenant shall not place a load upon any floor of the Premises exceeding the
floor load of 80psf. foot area and dead load of 3,000psi which such floor was designed to carry or which may be allowed by law. Landlord reserves the right to prescribe the weight and position of all
safes, telephone switchboards, computers, or other heavy equipment, and to prescribe the reinforcing necessary, if any, which in the opinion of Landlord may be required under the circumstances, such
reinforcing to be at Tenant's expense.

15.FORCE MAJEURE.This Lease and the obligation of Tenant to pay Rent hereunder and perform all of the other
covenants and agreements hereunder on the part of Tenant to be performed shall not be affected, impaired, or excused because Landlord is unable to fulfill any of its obligations under this Lease or is
unable to supply, or is delayed in supplying, any service to be supplied by it under the terms of this Lease or is unable to make, or is delayed in making, any repairs, additions, alterations, or
decorations or is unable to supply, or is delayed in supplying, any equipment or fixtures, if Landlord is prevented or delayed or otherwise hindered from doing so by reason of any outside cause
whatsoever. Similarly, Landlord shall not be liable for any interference with any services supplied to Tenant by others except if due to gross negligence or willful misconduct of Landlord. Nothing
contained in this Section shall be deemed to impose any obligation on Landlord not expressly imposed by other provisions of this Lease.

16.SURRENDER OF PREMISES.At the expiration or earlier termination of the Term of this Lease, Tenant shall
peaceably surrender the Premises in broom clean condition and good order and repair and otherwise in the same condition as the Premises was upon the commencement of this Lease, except ordinary wear
and tear.

17.ABANDONING PREMISES OR PERSONAL PROPERTY.Tenant shall not vacate or abandon the Premises at any time during
the Term of this Lease.

18.QUIET ENJOYMENT.Landlord warrants that Tenant shall be granted peaceable and quiet enjoyment of the
Premises free from any eviction or interference by Landlord if Tenant pays the Annual Rent and Additional Rent provided herein, and otherwise fully performs the terms, covenants, and conditions
imposed herein.

19.INDEMNIFICATION AND WAIVER OF CLAIM

a.     Tenant
will defend and will indemnify Landlord and save Landlord harmless from and against any and all claims, actions, damages, liability, and expense (including, but
not limited to, reasonable attorneys' fees) in connection with the loss of life, bodily injury, or damage to property or business arising from, related to, or in connection with the occupancy or use
by Tenant or any assignee, subtenant, concessionaire, or licensee of the Premises or any part of Landlord's personal property or the Building or occasioned wholly or in part by any act or omission of
Tenant or any assignee, subtenant, concessionaire, or licensee or its or their contractors, subcontractors, or its or their agents or employees or other persons on the Premises. Tenant shall also pay
all reasonable costs, expenses, and attorneys' fees that may be expended or incurred by Landlord in enforcing the covenants and agreements of this Lease. The provisions of this Section shall survive
the termination or earlier expiration of this Lease. Landlord shall not be liable for, and Tenant, in consideration of Landlord's execution of this Lease, hereby releases all claims against Landlord
for loss or damage that may be occasioned by or through the acts or omissions of other tenants, their contractors and subcontractors and their agents, invitees, or employees, or for loss of life,
bodily injury, or damage to property or business sustained by Tenant or any person claiming through Tenant or on the Premises resulting from

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any
fire, accident, occurrence, or any other condition in or upon the Property or any part thereof. The foregoing waiver and release is intended by Landlord and Tenant to be absolute, unconditional,
and without exception and to supersede any specific repair obligation imposed upon Landlord hereunder; provided that such waiver and release shall not apply to the gross negligence or willful
misconduct of Landlord.

b.     Notwithstanding
anything to the contrary herein contained, Landlord and Tenant do mutually each release and discharge the other, and all persons against whom their
insurance company or companies would have a right or claim by virtue of subrogation, of and from all suits, claims, and demands whatsoever, for loss or damage to the property of the other, even if
caused by or occurring through or as a result of any negligent act or omission of the party released hereby or its contractors, subcontractors, agents, or employees, so long as and to the extent that
such loss or damage is covered by insurance benefiting the party suffering such loss or damage or was required to be so covered under this Lease. Each party further agrees that each will cause its
policies of insurance for fire and extended coverage to be so written as to include a waiver of subrogation. It is hereby stipulated that this insurance shall not be invalidated should the insured or
any of them waive in writing prior to a loss any or all right of recovery against any person or entity for loss occurring to the property described herein. If the inclusion of such a clause occasions
additional cost for the policyholder, the other party shall be given notice of such additional cost and the opportunity to pay it within thirty (30) days, in which case the policyholder shall
require the insurance company to include the clause. If either party shall elect to be a self-insurer of its property to the extent permitted by this Lease, such waiver of subrogation
shall be applicable thereto to the same extent as if any loss or damage were covered by insurance.

20.INSURANCE.

a.     Tenant
will keep in force with companies licensed to do business in the State of Maryland and which have a rating of A or better and a financial size rating of X or
larger from Best's Key Rating Guide and Supplemental Service, Property, Casualty (or comparable insurance rating service), at Tenant's expense at all times during the Term of this Lease and during
such other times as Tenant occupies the Premises or any part thereof:



b.     On
or before the Commencement Date, Tenant will deposit with Landlord copies of policies of insurance required by the provisions of this Section together with
satisfactory evidence of the payment of the required premium or premiums thereof. Failure to deposit such policies shall not relieve Tenant of its obligation to obtain and keep in force insurance
coverage required by this Lease.

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The
insurance required hereby may be maintained by means of a policy or policies of blanket insurance so long as the provisions of this Lease are fully satisfied and the required amounts are
specifically allocated to the Premises without possibility of diminution because of occurrences on other properties.

c.     All
policies of insurance required to be carried by Tenant by this Section hereof shall provide that the policies shall not be subject to cancellation, termination, or
change except after thirty (30) days' prior written notice to Landlord, and all such policies shall name Landlord as an additional insured as its interest may appear.

d.     If
Tenant shall not comply with its covenants made in this Section, Landlord, in addition to Landlord's other remedies hereunder, may (but shall not be obligated to)
cause insurance as aforesaid to be issued, and in such event Tenant agrees to pay the premium for such insurance as Additional Rent promptly upon Landlord's demand therefor.

e.     Landlord
will keep in force with companies licensed to do business in the State of Maryland at Landlord's expense at all times during the term of this Lease:



f.      If
for any reason including, but not limited to, the abandonment of the Premises, Tenant's failure to pay any insurance premium, or Tenant's failure to occupy the
Premises as herein permitted, Tenant fails to provide and keep in force any or all of the insurance policies set forth in this Section, then in such event Tenant shall indemnify and hold Landlord
harmless against any and all claims, actions, damages, liability, and expense (including, but not limited to, reasonable attorneys' fees) which would have been covered by such insurance.

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21.EFFECT ON INSURANCE.Tenant will not do, omit to do, or suffer to be done or keep or suffer to be kept
anything in, upon, or about the Property which will violate the provisions of Landlord's policies insuring the Premises and the Building against loss or damage by fire or other hazards (including, but
not limited to, public liability), which will adversely affect Landlord's fire or liability insurance premium rating or which will prevent Landlord from procuring such policies in companies acceptable
to Landlord. If anything done, omitted to be done, or suffered to be done by Tenant, or kept or suffered by Tenant to be kept in, upon or about the Property shall cause the premium rate of fire or
other insurance on the Premises or the Property in companies acceptable to Landlord to be increased beyond the established rate from time to time fixed by the appropriate underwriters with regard to
the use of the Premises for the purposes permitted under this Lease or to the Property for the use or uses being made thereof, Tenant will pay the amount of such increase as Additional Rent upon
Landlord's demand and will thereafter pay the amount of such increase, as the same may vary from time to time, with respect to every premium relating to coverage of the Premises and the Property
during a period falling within the Term of this Lease until such increase is eliminated.

22.TOTAL OR PARTIAL DESTRUCTION OF PREMISES.



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23.TOTAL OR PARTIAL DESTRUCTION OF BUILDING.



24.ALTERATIONS.Tenant agrees that it will not make any alterations (whether structural or otherwise),
improvements, additions, repairs, or changes to the interior or exterior of the Premises during the Term of this Lease without in each instance obtaining Landlord's prior written consent. Together
with each request for such consent, Tenant shall present to Landlord reasonably detailed plans and specifications
for such proposed alterations, improvements, additions, repairs, or changes; provided, however, approval of such plans and specifications by Landlord shall not constitute any assumption of any
responsibility by landlord for their accuracy or sufficiency, and Tenant shall be solely responsible for such items. Any alterations, improvements, additions, repairs, or changes made by Tenant shall,
unless Landlord gives notice to Tenant to remove the same, remain upon the Premises at the expiration or earlier termination of the Term of this Lease and shall become the property of Landlord
immediately upon installation thereof.

25.MECHANICS' LIENS.Tenant shall not do or suffer to be done any act, matter or thing whereby Landlord's or
Tenant's interest in the Premises, or any part thereof, may be encumbered by any mechanics' lien. Tenant shall discharge or stay the enforcement by bond or otherwise, within ten (10) days after
the date of filing, any mechanics' liens filed against Tenant's interest in the Premises, or any part thereof, purporting to be for labor or material furnished or to be furnished to Tenant. Landlord
may, at its option, discharge any such mechanics' lien not discharged by Tenant within such ten (10) day period, and Tenant, upon demand, shall reimburse Landlord for any such expense incurred
by Landlord. Any monies expended by Landlord shall be deemed Additional Rent. Landlord shall not be liable for any labor or materials furnished or to be furnished to Tenant upon credit, and no
mechanics' or other lien for labor or materials shall attach to or affect the reversionary or other estate or interest of Landlord in and to the Premises or the Building.

26.BREACH OR DEFAULT.Tenant shall have breached this Lease and shall be considered in default hereunder if
(a) Tenant fails to pay Annual Rent or Additional Rent within 10 days of the date payment is due after 10 days written notice from Landlord; (b) Tenant files a petition in
bankruptcy or insolvency or for reorganization under any bankruptcy or insolvency law or act, or makes an assignment for the benefit of creditors; (c) involuntary proceedings are instituted
against Tenant under any bankruptcy or insolvency law or act; (d) Tenant fails to perform or comply with any of the covenants or conditions of this Lease or the rules and regulations now or
hereinafter established for the Premises,

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Building,
or Property within ten (10) days written notice thereof; or (e) the Premises shall be deserted or vacated.

27.EFFECT OF BREACH.



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In
the event Landlord elects to collect damages from Tenant under this Lease at any time subsequent to such election and upon ten (10) days prior written notice to Tenant,
Landlord may elect to collect a lump sum under Section 27.d(1) above, crediting Tenant with amounts theretofore received by Landlord as damages. Landlord shall have no obligation to relet part
or all of the Premises subsequent to termination of the Lease and upon Tenant's default.



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28.LANDLORD'S LIEN.To secure the payment of all Rent due and to become due hereunder and the faithful
performance of this Lease by Tenant, Tenant hereby grants to Landlord an express first and prior contract lien and security interest on all property (including fixtures, equipment, chattels and
merchandise) which may be placed in the Premises, and also upon all proceeds of any insurance which may accrue to Tenant by reason of destruction of or damage to any such property. Such property shall
not be removed therefrom without the written consent of Landlord until all arrearages in Rent due to Landlord hereunder shall first have been paid. All exemption laws are hereby waived in favor of
said lien and security interest. This lien and security interest are given in addition to the Landlord's statutory lien and shall be cumulative thereto or alternative thereto as elected by Landlord at
any time. Tenant agrees, upon request, to execute one (1) or more financing statements evidencing Landlord's lien as provided in this Section. The Landlord recognizes the sensitive nature of
files that may be stored on site. The Landlord guarantees that the Tenants customers' rights to privacy will not be violated and Tenant has authority to remove all sensitive documentation from
premises.

29.ACCESS BY LANDLORD.



30.INTENTIONALLY DELETED.

31.ASSIGNMENT AND SUBLETTING.



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32.CONDEMNATION.If more than twenty-five percent (25%) of the Premises shall be taken by any
public or quasi-public authority under the power of eminent domain, condemnation, or expropriation or in the event of a conveyance in lieu thereof, then this Lease shall terminate as of the date on
which possession of the Premises is required to be surrendered to the condemning authority, and Tenant shall have no claim against Landlord or the condemning authority for the value of the unexpired
Term of this Lease.

If
twenty-five percent (25%) or more of the Building shall be so taken or conveyed, then in such events notwithstanding the fact that the Premises in whole or in part is not
so taken or conveyed, Landlord shall have the right and power, at its option to be exercised by written notice to Tenant, to terminate this Lease effective either the date title vests in the
condemning authority or the date Landlord is required to deliver possession of the part so taken or conveyed. In any event, Tenant shall have no claim against Landlord or the condemning authority for
the value of any unexpired Term of this Lease.

In
the event of any condemnation or taking as hereinbefore provided, whether whole or partial, Tenant shall not be entitled to any part of the award as damages or otherwise for such
condemnation, and Landlord is to receive the full amount of such award. Tenant hereby expressly waives any right or claim to any part thereof and assigns to Landlord any such right or claim to which
Tenant might become entitled.

Notwithstanding
the foregoing, Tenant shall have the right, to the extent that same shall not diminish Landlord's award, to claim and recover from the condemning authority, but not from
Landlord, such compensation as may be separately awarded or recoverable by Tenant under law in Tenant's own right for or on account of, and limited solely to, any cost which Tenant might incur in
removing Tenant's furniture, fixtures, leasehold improvements, and equipment.

33.EXECUTION OF ESTOPPEL CERTIFICATE.At any time, and from time to time, upon the written request of Landlord
or any Mortgagee, Tenant, within ten (10) days of the date of such written request, agrees to execute and deliver to Landlord and/or such Mortgagee, without charge and in a form Landlord and/or
such Mortgagee, a written statement: (a) ratifying this Lease; (b) confirming the commencement and expiration dates of the Term of this Lease; (c) certifying that Tenant is in
occupancy of the Premises and that the Lease is in full force and effect and has not been modified, assigned, subleased, supplemented, or amended except by such writings as shall be stated;
(d) certifying that all conditions and agreements under this Lease to be satisfied or performed by either Landlord or Tenant have been satisfied and performed except as shall be stated;
(e) certifying that Landlord is not in default under the Lease and there are no defenses, set-offs, recoupments, or counterclaims against the enforcement of this Lease by Landlord,
or stating the defaults, defenses, set-offs, recoupments and/or counterclaims claimed by Tenant; (f) reciting the amount of advance Rent, if any, paid by Tenant and the date to
which such Rent has been paid; (g) reciting the amount of the Security Deposit; and (h) containing any other information which Landlord or the Mortgagee shall reasonably require.

The
failure of Tenant to execute, acknowledge, and deliver to Landlord and/or any Mortgagee a statement in accordance with the provisions of this Section within the period set forth
herein shall constitute an acknowledgment by Tenant which may be relied upon by any person holding or intending

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to
acquire any interest whatsoever in the Premises or the Building, that this Lease has not been assigned, amended, changed, or modified, is in full force and effect, and that the Annual Rent and
Additional Rent have been duly and fully paid not beyond the respective due dates immediately preceding the date of the request for such statement. Such failure shall also constitute as to any persons
entitled to rely on such statements a waiver of any defaults by Landlord or defenses, setoffs, recoupments, or counterclaims against the enforcement of this Lease by Landlord which may exist prior to
the date of the written request.

34.SUBORDINATION, ATTORNMENT AND NON-DISTURBANCE.



35.SIGNS AND ADVERTISING.Tenant shall not inscribe, paint, affix, or display any sign, notice, or
advertisement on any of the windows, doors, walls, or any part of the outside or inside of the Premises and the remainder of the Property without the prior written consent of Landlord.

36.RULES AND REGULATIONS.Tenant agrees to be bound by the rules and regulations set forth on Exhibit Battached hereto
and incorporated by reference herein. Landlord reserves the right from time to time to adopt and promulgate rules and
regulations applicable to the Premises, the Building, and to the Property, and to supplement such rules and regulations, and Tenant agrees to be bound thereby. A breach of any of such rules and
regulations, whether now existing or hereinafter adopted, shall be deemed a breach of this Lease. Landlord shall not be liable to Tenant or responsible for any costs or damages for failure to enforce
the rules and regulations uniformly.

37.ACCORD AND SATISFACTION.No payment by Tenant or receipt by Landlord of a lesser amount than any payment of
Annual Rent or Additional Rent herein stipulated shall be deemed to be other than on account of the earliest stipulated Annual Rent or Additional Rent due and payable, nor shall any endorsement or
statement on any check or any letter accompanying any check or payment as Rent be deemed an accord and satisfaction. Landlord may accept such check or payment without

16

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prejudice
to Landlord's right to recover the balance of such Rent or pursue any other remedy provided in this Lease, at law or in equity.

38.NO PARTNERSHIP.Landlord does not, in any way or for any purpose, become a partner of Tenant in the conduct
of its business, or otherwise, or joint venturer or a member of a joint enterprise with Tenant. This Lease establishes a relationship solely of landlord and tenant.

39.HOLDING OVER.Should Tenant hold over in possession of the Premises after the expiration of this Lease,
Tenant shall be deemed to be occupying the Premises from month to month, subject to such occupancy's being terminated by either party upon at least thirty (30) days' written notice, at double
the Annual Rent and Additional Rent in effect at the expiration of this Lease, all calculated from time to time as though this Lease had continued, and otherwise subject to all of the other terms,
covenants, and conditions of this Lease insofar as the same may be applicable to a month-to-month tenancy. In addition, Tenant shall pay as Additional Rent to Landlord for all
damages sustained by reason of Tenant's retention of possession. Nothing in this Section excludes Landlord's rights of re-entry or any other right hereunder.

40.INTENTIONALLY DELETED.

41.RECORDATION.Tenant shall not record this Lease without the written consent of Landlord. Upon Landlord's
request or with Landlord's written consent, the parties agree to execute a short form of this Lease for recording purposes containing such terms as Landlord believes appropriate or desirable. The
expense of recordation shall be borne by the party requesting such recordation.

42.WAIVERS.The failure of Landlord to insist for a period of time on strict performance of any one or more of
the terms, covenants, or conditions hereof shall not be deemed a waiver of the rights or remedies that Landlord may have, and shall not be deemed a waiver of any subsequent breach or default in any
term, covenant, or condition hereof. No waiver by Landlord of any provision hereof shall be deemed to have been made unless expressed in writing and signed by Landlord.

43.REMEDIES FOR LANDLORD.Any and all remedies available to Landlord for the enforcement of the provisions of
this Lease are cumulative and not exclusive, and Landlord shall be entitled to pursue either the rights enumerated in this Lease or remedies authorized by law, or both. Tenant shall be liable for any
reasonable costs or expenses incurred by Landlord in enforcing any terms of this Lease, or in pursuing any legal action for the enforcement of Landlord's rights, including court costs and reasonable
attorneys', fees.

44.TABLE OF CONTENTS; CAPTIONS.The Table of Contents and the captions appearing in this Lease are inserted
only as a matter of convenience and do not define, limit, construe, or describe the scope or intent of the Sections of this Lease nor in any way affect this Lease.

45.NOTICES.Any and all Notices permitted or required to be given hereunder shall be in writing and shall be
deemed duly given two (2) days after the time such notice shall be deposited into the United States mail, if delivery is by postage paid registered or certified mail, return receipted mail, the
next business day if sent by Federal Express or other reputable overnight carrier service, or upon receipt when personally delivered. Any Notice in any other manner shall be deemed given when actually
received. Such Notice shall be sent to the respective party at the address given in this Lease or to any other address that the respective party may designate by Notice delivered pursuant hereto.

46.APPLICABLE LAW.This Lease shall be governed by and construed in accordance with the laws of the State of
Maryland, without regard to principles relating to conflicts of law.

47.SUCCESSORS AND ASSIGNS.All rights, obligations, and liabilities herein given to, or imposed upon, the
respective parties hereto shall extend to and bind the permitted successors, and assigns of the said parties; and if Tenant shall consist of more than one person or entity, they shall all be bound
jointly and severally by the terms, covenants, and conditions herein.

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48.WAIVER OF TRIAL BY JURY.Landlord and Tenant hereby waive trial by jury in any action or proceeding or
counterclaim brought by either party hereto against the other party on any and every matter, directly or indirectly, arising out of or with respect to this Lease.

49.RIGHTS OF AND CLAIMS AGAINST LANDLORD.



50.CALCULATION OF TIME.In computing any period of time prescribed or allowed by any provision of this Lease,
the day of the act, event, or default from which the designated period of time begins to run shall not be included. The last day of the period so computed shall be included, unless it is a Saturday,
Sunday, or a legal holiday, in which event the period runs until the end of the next day which is not a Saturday, Sunday, or legal holiday. Unless otherwise provided herein, all Notices and other
periods expire as of 5:00 p.m. (local time in Maryland) on the last day of the Notice or other period.

51.ACCESS.Landlord shall provide Tenant with access to the Premises twenty-four (24) hours
a day, seven (7) days a week, fifty-two (52) weeks a year.

52.SEVERABILITY.If the application of any term or provision of this Lease, whether in whole or in part, be
held invalid or unenforceable in general or in any instance, the remainder of this Lease shall not be affected by such holding and shall be fully valid and enforceable.

53.COUNTERPARTS.This Lease may be executed in multiple counterparts or in duplicate, and when so executed by
all parties shall constitute one agreement.

54.TOTAL AGREEMENT.This Lease contains the entire agreement between the parties and cannot be changed or
modified except by a written instrument subsequently executed by the parties hereto.

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55.TIME OF THE ESSENCE.Time is of the essence in all provisions of this Lease to be performed by or on behalf
of Tenant.

56.COMMERCIAL PURPOSE.The parties stipulate that the Premises is being leased exclusively for business,
commercial, manufacturing, mercantile, or industrial purposes within the meaning of Section 8-110(a) of the Real Property Article of the Annotated Code of Maryland, and that the
provisions of Section 8-110(b) of such Article (or any future statute) pertaining to the redemption of reversionary interests under leases shall be inapplicable to this Lease.

IN
WITNESS WHEREOF, Landlord and Tenant have caused this Standard Lease Agreement to be executed, under seal, as of the date and year first above written.

|ATTEST/WITNESS: |  | LANDLORD:
TURF VILLAGE OFFICES, LLC.
|--------------- |  | ------------------------------------
|/s/SHAWN DOWELL |  | By:                                 

| |  | Name: | S. JOHN BLUMENTHAL
| |  | ----- | ------------------

|                |  | Title:                                     | PRESIDENT
|--------------- |  | ------------------------------------------ | ---------
|ATTEST/WITNESS: |  | TENANT:
CARROLLTON MORTGAGE SERVICES, INC.

|/s/KIM JOHN |  | By: | /s/ROBERT ALTIERI(SEAL)
|----------- |  | --- | -----------------------

| |  | Name: | ROBERT ALTIERI
| |  | ----- | --------------

| |  | Title: | PRESIDENT
| |  | ------ | ---------

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EXHIBIT A    Description of the Premises: Attached    EXHIBIT B    Rules and Regulations

1.     Tenant
shall not obstruct or permit its agents, employees, customers, contractors, visitors, or licensees to obstruct, in any way, the Common Areas including without
limitation the sidewalks, entry passages, corridors, halls, stairways, or elevators of the Building, or use the above specified areas in any way other than as a means of passage to and from the
Premises; bring in, store, use any materials on the Property which could cause a fire or an explosion or produce any fumes or vapor; make or permit any improper or disturbing noises; throw substances
of any kind out of windows or doors, or down passages or in the halls or passageways; or place anything upon the window sills. Any trash or rubbish created by moving Tenant into the Premises, or any
heavy or excessive waste materials resulting from Tenant's occupancy and use of the Premises, shall be removed from the Premises by Tenant at Tenant's sole cost and expense.

2.     Plumbing
facilities shall not be used for any purpose other than those for which they were constructed; and no sweepings, rubbish, ashes, newspapers, or other substances
of any kind shall be thrown into them. Waste and excessive or unusual use of electricity or water is prohibited.

3.     No
contract of any kind with any supplier of towels, water, ice, toilet articles, waxing, rug shampooing, venetian blind washing, furniture polishing, lamp servicing,
cleaning of electrical fixtures, removal of waste papers, rubbish or garbage, or other like service shall be entered into by Tenant, nor shall any vending machine of any kind be installed in the
Building without the prior written consent of the Landlord.

4.     No
additional lock or locks shall be installed by Tenant on any door or doors installed by Landlord without prior written consent of Landlord. Two keys will be furnished
to Tenant, and any additional keys required shall be secured from Landlord and paid for by Tenant. Tenant shall not have extra keys made without notice to Landlord and receipt of Landlord's consent.
Tenant shall not change any locks. All keys to doors and washrooms shall be returned to Landlord at the termination of the tenancy, and, in the event of loss of any keys furnished, Tenant shall pay
Landlord the cost thereof.

5.     Landlord
shall not be responsible to Tenant for any loss of property from the Premises however occurring, or for any damage done to the effects of Tenant by Landlord or
its contractors or subcontractors or its or their agents or employees, or by any other person or any other cause.

6.     No
bicycles, vehicles, or animals of any kind shall be brought into or kept in or about the Property.

7.     Tenant
shall not conduct, or permit any other person to conduct, any auction upon the Premises; manufacture or store goods, ware, or merchandise upon the Premises,
without the prior written approval of Landlord, except the storage of usual supplies and inventory to be used by Tenant in the conduct of its business; permit the Premises to be used for gambling;
make any unusual noises on the Property; permit to be played any radio, television, musical instrument or recorded music in such a loud manner as to disturb or annoy other tenants or other occupants
of the Property; or permit any unusual odors to be produced upon the Premises.

8.     No
awnings or other projections shall be attached to the outside walls of the Building without the prior written consent of Landlord. No curtains, blinds, shades, or
screens shall be attached to or hung in, or used in connection with, any window or door of the Premises, without the prior written consent of Landlord. Such awnings, curtains, blinds, and shades must
be of a quality, type, design, and color approved by Landlord and attached in a manner approved by Landlord and be kept at a level designated by Landlord.

9.     Canvassing,
soliciting, and peddling on the Property are prohibited, and Tenant shall. cooperate to prevent the same.

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10.   There
shall not be used in the Premises or in the Building, either by Tenant or by others in the delivery or receipt of merchandise, any hand trucks except those
equipped with rubber tires and side guards, and no hand trucks will be allowed in the elevators without the consent of Landlord.

11.   Tenant,
before closing and leaving the premises at the end of business hours each day, shall ensure that all windows are closed and all entrance doors locked and shall
turn off all lights and all standard electrical office equipment.

12.   Landlord
shall have the right to prohibit any advertising by Tenant which in Landlord's opinion tends to impair the reputation of the building or its desirability as a
building for offices and commercial use, and upon written notice from Landlord, Tenant shall refrain from or discontinue such advertising.

13.   Landlord
hereby reserves to itself any and all rights not granted to Tenant hereunder, including, but not limited to, the following rights which are reserved to Landlord
for its purposes in operating the Building:



14.   Moving
in and out of the Building must be coordinated with Landlord at least twenty-four (24) hours in advance of the move-in or
move-out date. In the discretion of Landlord, moving may be required to be done under its supervision. No furniture will be moved in the elevator without the permission of Landlord until
necessary pads have been installed. Tenant shall use the elevator for moving only during such time as Landlord or its agents may determine.

15.   Landlord
shall have the right to close and securely lock the Building other than during Normal Business Hours and during such other times as Landlord may deem advisable
for the security of the Building and its tenants. Landlord shall give Tenant twenty-four (24) hours' notice before so closing and securely locking the Building, except in an
emergency, and Landlord shall make a reasonable effort to assure access to the Premises by Tenant.

16.   Landlord
shall not be responsible for lost or stolen personal property, equipment, money or jewelry from Premises or public rooms whether or not such loss occurs when
the Building or the Premises are locked against entry.

SCHEDULE I    Landlord's Work



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SCHEDULE 2    Tenant's Work



SCHEDULE 3    Parking

Tenant shall have full access to parking at the Building; provided, however, that such parking spaces are undesignated and unreserved.

GRAPHIC

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