Exhibit 10.13

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                                          |  | 4 
|5.  |  | LATE PAYMENTS                                 |  | 4 
|6.  |  | SECURITY DEPOSIT                              |  | 4 
|7.  |  | RENEWAL                                       |  | 4 
|8.  |  | UTILITIES                                     |  | 4 
|9.  |  | TAXES                                         |  | 5 
|10. |  | COMMON AREAS AND EXPENSES                     |  | 5 
|11. |  | RESTRICTIONS ON USE; COMPLIANCE WITH LAW      |  | 6 
|12. |  | SERVICES, REPAIRS, AND MAINTENANCE BY TENANT  |  | 7 
|13. |  | REPAIRS BY LANDLORD                           |  | 7 
|14. |  | PLACEMENT OF HEAVY EQUIPMENT                  |  | 7 
|15. |  | FORCE MAJEURE                                 |  | 7 
|16. |  | SURRENDER OF PREMISES                         |  | 7 
|17. |  | ABANDONING PREMISES OR PERSONAL PROPERTY      |  | 8 
|18. |  | QUIET ENJOYMENT                               |  | 8 
|19. |  | IMDEMNIFICATION AND WAIVER OF CLAIM           |  | 8 
|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                             |  | 12
|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                         |  | 15
|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        |  | 19
|54. |  | TOTAL AGREEMENT     |  | 19
|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 17th day of June, 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 07/15/2004 to 03/14/2005

$
14,663.00

$
1,221.92




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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.



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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 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.N/A

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:

RENEWAL OPTION 1:

TERM

ANNUAL
RENT

MONTHLY
RENTFrom 03/15/05 to 03/14/06

$
15,103.00

$
1,258.58


RENEWAL OPTION 2:

From 03/15/06 to 03/14/07

15,556.00

1,296.34


RENEWAL OPTION 3:

From 03/15/07 to 03/14/08

16,022.70

1,335.23


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.

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9.TAXES.



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

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connection
with any emergency or for any other purpose whatsoever, whether such purpose is similar or dissimilar to the foregoing.

Commencing
with Renewal Option 1, Renewal Option 2 and Renewal Option 3: 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 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.



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.

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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 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 per square foot area 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.

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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 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

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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. 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:



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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.

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.

a.     If
the Premises or the hallways, stairways or other approaches thereto are damaged by fire or other casualty but the Premises is not thereby rendered untenantable in
whole or in part, Landlord, at its own expense, subject to the limitations set forth in this Lease, shall cause such damage to be repaired, and the Annual Rent and Additional Rent shall not be abated.
If by reason of any damage or destruction to the Premises or the approaches, the Premises shall be rendered untenantable in whole or in part, (i) Landlord, at its option, at its own expense,
subject to the limitations set forth in this Lease, may cause the damage to be repaired, and the Annual Rent and Additional Rent shall be abated proportionately as to the portion of the Premises
rendered untenantable while it is untenantable, or (ii) Landlord shall have the right, to be exercised by notice in writing delivered to Tenant within thirty (30) days from and after the
occurrence of such damage or destruction, to terminate this Lease, and the Annual Rent and Additional Rent shall be adjusted as of such date of termination. In no event shall Landlord be obligated to
expend for any repairs or reconstruction pursuant to this Section an amount in excess of the insurance proceeds, if any, recovered by it and allocable to the damage to the Premises after deducting
therefrom Landlord's reasonable expenses in obtaining such proceeds and any amounts required to be paid to Landlord's Mortgagee. The provisions hereof are subject to the terms of Section 23.

b.     Notwithstanding
anything set forth herein to the contrary, Tenant shall be responsible for all repairs and replacements of damage and/or destruction of the Premises
necessitated by burglary or attempted burglary, or any other illegal or forcible entry into the Premises.

c.     Tenant
covenants that it will give written notice to Landlord of any accident or damage, whether such accident or damage is caused by insured or uninsured casualty,
occurring in, on, or about the Premises within one (1) business day after Tenant has or should have had knowledge of the

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occurrence
of such accident or damage. If Tenant breaches its covenant set forth hereunder, Landlord, in addition to all other rights and remedies under this Lease, at law or in equity shall, at its
option, be relieved of any of its obligations under this Section.

d.     If,
within forty-five (45) days after the occurrence of the damage or destruction described in Section 22a, Landlord determines that in its
reasonable judgment that the repairs and restoration cannot be substantially completed within 180 days after the date of such damage or destruction, and provided Landlord does not elect to
terminate this Lease pursuant to this Section, then landlord shall promptly notify Tenant of such determination. For a period continuing through the later of the thirtieth (30th) day
after the occurrence of the damage or destruction or the tenth (10th) day after receipt of such notice, Tenant shall have the right to terminate this Lease by providing written notice
thereof to Landlord.

23.TOTAL OR PARTIAL DESTRUCTION OF BUILDING.

a.     In
the event that twenty-five percent (25%) or more of the rentable floor area of the Building shall be damaged or destroyed by fire or other cause,
notwithstanding that the Premises may be unaffected by such fire or other cause, Landlord shall have the right, to be exercised by notice in writing delivered to Tenant within thirty (30) days
after said occurrence, to terminate this Lease. Upon the giving of such notice, the Term of this Lease shall expire, the Annual Rent and Additional Rent to be adjusted as of the date of termination,
and Tenant shall vacate the Premises and surrender the same to Landlord.

b.     If,
within forty-five (45) days after the occurrence of the damage or destruction described in Section 24a, Landlord determines that in its
reasonable judgment that the repairs and restoration cannot be substantially completed within 180 days after the date of such damage or destruction, and provided Landlord does not elect to
terminate this Lease pursuant to this Section, then landlord shall promptly notify Tenant of such determination. For a period continuing through the later of the thirtieth (30th) day
after the occurrence of the damage or destruction or the tenth (10'th) day after receipt of such notice, Tenant shall have the right to terminate this Lease by providing written notice
thereof to Landlord.

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

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

27.EFFECT OF BREACH.

a.     In
the event of a breach of this Lease as set forth in Section 26, Landlord shall have the option to do any of the following in addition to and not in limitation
of any other remedy permitted by law or by this Lease: (i) to re-enter the Premises, using force if necessary, to dispossess Tenant and all other occupants from the Premises and to
remove any or all of Tenant's property at the Premises, (ii) to store Tenant's property in a public warehouse or elsewhere at the cost, risk, and expense of Tenant, without Landlord's being
deemed guilty of trespass or becoming liable for any loss or damage which may occur on Tenant's property, and (iii) upon ten (10) days' written notice to Tenant, which the parties agree
is commercially reasonable, to sell at public or private sale any or all of said property, whether exempt or not from sale under execution or attachment (such property being deemed charged with a lien
in favor of Landlord for all sums due hereunder), with the proceeds of sale to be applied: first, to the reasonable costs and expenses of retaking, removal, storage, preparing for sale, and sale of
the property (including reasonable attorney's fees); and second, to the payment of any sums due hereunder to Landlord (including Rent, charges, and damages, both theretofore and thereafter accruing);
and, third, any surplus to Tenant.

b.     Further,
upon the occurrence of any such breach, Landlord, in addition to any other remedies it may have at law, in equity, or under any other provision of this Lease,
shall have the right to terminate this Lease, as well as all right, title, and interest of Tenant hereunder, by giving to Tenant not less than five (5) days' advance written notice of
Landlord's election to cancel and to terminate this Lease. Upon the expiration of the time fixed in the notice of termination, this Lease and the balance of the Term then remaining, as well as all of
the right, title, and interest of Tenant under this Lease, shall expire in the same manner and with the same force and effect (except for the Tenant's liability as hereinafter set forth) as if the
expiration of the time fixed in the notice of termination was the date upon which the Term would normally have expired. Tenant shall then immediately quit and surrender the Premises and each and every
part thereof to Landlord, and Landlord may enter upon the Premises, by force, summary proceedings, or otherwise. In any of such events, Landlord shall be entitled to the benefit of all provisions of
the ordinances and public local laws of the city or county where the Property is located and of the Public General Laws of the State of Maryland dealing with the speedy recovery of lands and tenements
held over by tenants or proceedings in forcible entry and detainer. Upon any entry or re-entry by Landlord, with or without legal process, Landlord shall also have the right (but not the
obligation) to relet all or any part of the Premises, from time to time, at the risk and expense of Tenant. No re-entry by Landlord with or without a declaration of termination shall be
deemed to be an acceptance or a surrender of this Lease or as a release of the Tenant's liability for damages under the provisions of this Section.

c.     Tenant
further agrees (i) notwithstanding re-entry by Landlord with or without termination pursuant to the provisions of Section 27a, r
(ii) if this Lease is otherwise terminated by reason of Tenant's default, or (iii) if Landlord retakes possession with or without process of law and/or re-enters

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with
or without a declaration of termination, or (iv) if Landlord, following any of the foregoing events, elects to let or relet the Premises (whether once or more than once during the
remainder of the Term, and upon such conditions as are satisfactory to Landlord) that Tenant shall, nevertheless, in each instance, remain liable for the performance of any covenant of this Lease then
in default and for all Rent and all other charges and damages which may be due or sustained before and after the date of default, together with the cost of seizure and repossession of the Premises and
reasonable attorneys' fees incurred by Landlord as a result of the breach of this Lease.

d.     In
any of the events described in the preceding Subsection, Tenant agrees that it will remain liable to Landlord for liquidated damages and shall pay at the sole election
of Landlord either:



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.

e.     Suit
or suits for the recovery of such deficiency or damages or for a sum equal to any Monthly Installment or Installments of Annual Rent and Additional Rent and other
charges payable hereunder may be brought by Landlord from time to time, at Landlord's election. Nothing herein contained shall be deemed to require Landlord to await the date when this Lease or the
Term would have normally expired had there been no such default by Tenant or no such termination by Landlord, nor shall

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Landlord
be barred by any claim involving a statute of limitations or other defense should Landlord delay in filing suit.

f.      Nothing
in this Section shall limit or prejudice the right of Landlord to prove and to obtain, as liquidated damages by reason of a termination arising out of the
provisions of this Section, an amount equal to the maximum allowed by any statute or rule of law in effect as of the time when, and governing the proceedings in which, such damages are to be proved,
whether or not such amount be greater, equal to, or less than the amount of liquidated damages computed under this Section.

g.     Notwithstanding
anything to the contrary contained in this Section, in the event of a breach of this Lease by Tenant, Landlord agrees to use commercially reasonable
efforts to mitigate its damages.

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.

29.ACCESS BY LANDLORD.

a.     Landlord
and its contractors and subcontractors, and its or their agents and employees may at all reasonable times during the Term of this Lease enter to inspect the
Premises and/or may show the Premises and Property to others, provided that such entrance is with prior notice to Tenant. In the event of notice of termination of this Lease or during the last six
(6) months of the Term, unless Tenant has theretofore properly exercised any remaining option to extend this lease, Landlord shall have the right from the date of such notice to display "For
Rent" signs, and Landlord and/or Landlord's agents may show the Premises and all parts thereof to prospective tenants during Normal Business Hours.

b.     Landlord
also reserves the right, after notice of intention to so enter (except that in the event of an emergency, no notice shall be required), to enter the Premises at
any time and from time to time to make such repairs, additions, or alterations or remedy any contamination as it may deem necessary for the safety, improvements, preservation, or condition thereof, or
of the Property, but Landlord assumes no obligation to do so, and the performance thereof by Landlord shall not constitute a waiver of Tenant's default in failing to perform the same.

30.INTENTIONALLY DELETED.

31.ASSIGNMENT AND SUBLETTING.

a.     Tenant
shall not make or permit an Assignment of this Lease or any interest of Tenant herein, in whole or in part, by operation of law or otherwise, without first
obtaining in each and every instance the prior written consent of Landlord, which consent may be withheld in the sole and absolute subjective discretion of Landlord.

b.     Any
consent by Landlord to an Assignment shall be held to apply only to the specific transaction thereby authorized and shall not constitute a waiver of the necessity for
such consent to any subsequent Assignment, including, but not limited to, a subsequent Assignment by any trustee, receiver, liquidator, or personal representative of Tenant. In the event Tenant
executes an agreement to effect an Assignment, such agreement shall provide (i) that the subtenant or other occupier of space shall take

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subject
to this Lease, (ii) that the occupier shall also fulfill all obligations of Tenant under this lease as they pertain to the portion of the Premises set forth in the Assignment, and
(iii) that with respect to such portion of the Premises, the occupier shall be deemed to be the Tenant under this Lease.

c.     If
this Lease or any interest of Tenant herein be assigned or if the whole or any part of the Premises be sublet or used or occupied by others, after having obtained
Landlord's prior written consent thereto, Tenant shall nevertheless remain fully liable for the full performance of all obligations under this Lease to be performed by Tenant, and Tenant shall not be
released therefrom in any manner.

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 satisfactory to
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.

15

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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 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.

a.     Tenant
agrees that (i) this Lease is, and all of Tenant's rights hereunder are and shall always be, subject and subordinate to any Mortgage now existing or
hereafter given by Landlord and to all advances made or to be made thereunder and to the interest thereon, and all renewals, replacements, modifications, consolidations, or extensions thereof; and
(ii) that if any of Landlord's Mortgagees or if the purchaser at any foreclosure sale or at any sale under a power of sale or assent to decree contained in any such Mortgage shall at its sole
option so request, Tenant will attorn to, and recognize such Mortgagee or purchaser, as the case may be, as landlord under this Lease for the balance then remaining of the Term of this Lease, subject
to all terms of this Lease; and (iii) that the aforesaid provisions shall be self-operative, and no further instrument or document shall be necessary unless required by any such
Mortgagee or purchaser.

b.     Tenant
agrees that none of Landlord's Mortgagee, Landlord's Mortgagee-in-possession, or purchaser shall either: (i) be bound by any payment
of Rent made more than thirty (30) days prior to its due date, and any such sum shall be due and payable on the due date; or (ii) be responsible for the Security Deposit or other similar
funds in respect of this Lease not actually paid to it.

c.     In
the event Tenant fails to execute and deliver the instruments and documents as provided for in this Section within the time period set forth herein, Tenant does hereby
make, constitute, and appoint Landlord or such Mortgagee or purchaser, as the case may be, as Tenant's attorney-in-fact and in its name, place, and stead to do so. The
aforesaid power of attorney is given as security coupled with an interest and is irrevocable.

d.     If
Tenant pays Annual Rent and Additional Rent provided herein, and otherwise fully performs the terms, covenants, and conditions imposed herein, Tenant's agreement to
subordinate and attorn as provided in this Section shall subject Landlord's Mortgagee, Landlord's Mortgagee-in-possession, or purchaser, as the case may be, recognizing this
Lease and Tenant's rights hereunder.

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 C
attached 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

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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 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.

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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.

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.

a.     Notwithstanding
anything to the contrary contained herein, Tenant waives all rights to bring a counterclaim in any action brought by Landlord for the
non-payment of Rent or any other summary proceeding thereon.

b.     All
obligations of Landlord hereunder shall be construed as covenants, not conditions.

c.     Landlord
may transfer all or part of its interest in the Premises and this Lease without the consent of Tenant, at any time and from time to time. If Landlord transfers
its estate in the Premises, or if Landlord further leases the Premises subject to this Lease, then Landlord shall be relieved of all obligations of Landlord thereafter arising expressed in this Lease
or implied by law. Landlord and its successors shall be relieved of their obligation to refund the Security Deposit and other similar funds to Tenant which they have received from Tenant or a
predecessor Landlord to the extent they transfer such amounts to their respective transferees.

d.     If
Tenant obtains a money judgment against Landlord or its successors or assigns under any provisions of, or with respect to this Lease or on account of any matter,
condition, or circumstance arising out of the relationship of the parties under this Lease, Tenant's occupancy of the Premises, or Landlord's ownership of the Premises, Tenant shall be entitled to
have execution upon such judgment only upon Landlord's estate in the Property and not out of any other assets of Landlord, any of its partners, or its successors or assigns; and Landlord shall be
entitled to have any such judgment so qualified as to constitute a lien only on Landlord's estate, subject to any liens antedating such judgment; provided, however, that this sentence shall be
inapplicable to the extent that the judgment against Landlord is covered by insurance.

e.     At
any time when there is an outstanding Mortgage covering Landlord's interest in the Premises, Tenant may not exercise any remedies for default by Landlord hereunder
unless and until the Mortgagee shall have received written notice of such default and a reasonable time to cure such default after Landlord's period to cure shall have elapsed.

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.

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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.

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.

|                |  | LANDLORD:
TURF VILLAGE OFFICES, LLC. | 
|--------------- |  | ------------------------------------ | 
|                |  |                                      | 
|                |  |                                      | 
|                |  | By:                                  | 
|                |  |                                      | 
|                |  | Name:                                | 
|                |  |                                      | 
|                |  | Title:                               | 
|                |  |                                      | 
|                |  |                                      | 
|ATTEST/WITNESS: |  | TENANT:                              | 
|                |  | CARROLLTON MORTGAGE SERVICES, INC.   | 
|                |  |                                      | 
|                |  |                                      | 
|[ILLEGIBLE]     |  | By:                                  | 
|                |  |                                      | 
|                |  | Name:                                | 
|                |  |                                      | 
|                |  | Title:                               | 
|                |  |                                      | 

19

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EXHIBIT A    Description of the Premises    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.

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

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 1    Landlord's Work

Landlord
to remove sink and plumbing and repair wall.

Landlord
to carpet entire space with Standard grade commercial carpet.

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SCHEDULE 2    Tenant's Work

N/A

SCHEDULE 3    Parking

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

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