Document:

Yardville National Bancorp 2003 Stock Option Plan for Non-Employee Directors
      - Form of Stock Option Agreement

    EXHIBIT
      10.24

    

    

    
      	
              DIRECTOR
                NAME:

            	
              EXERCISE
                PRICE:

            
	 	 
	 	 
	 	 
	 	
              NUMBER
                OF SHARES:

            

    

    

    

    

    YARDVILLE
      NATIONAL BANCORP

    2003
      STOCK OPTION PLAN FOR NON-EMPLOYEE DIRECTORS

     

    

     

    STOCK
      OPTION AGREEMENT

     

    Yardville
      National Bancorp, a New Jersey corporation (the “Company”), this [Date
      Immediately Following Date of Annual Meeting]
      (the
“Option Date”), pursuant to its 2003 Stock Option Plan for Non-Employee
      Directors (the “Plan”) hereby grants to ______________
      (the
“Optionee”) an option to purchase shares of the Common Stock, no par value, of
      the Company (the “Common Stock”) in the amount and on the terms and conditions
      set forth herein.

     

    1.  Incorporation
      of Plan by Reference.
      The
      provisions of the Plan, a copy of which is being furnished herewith to the
      Optionee, are incorporated by reference herein and shall govern as to all
      matters not expressly provided for in this Stock Option Agreement (the
“Agreement”). Terms not defined herein shall have the meanings set forth in the
      Plan. In the event of any conflict between the terms of this Agreement and
      the
      Plan, the terms of the Plan shall govern.

     

    2.  Grant
      of Option.
      The
      Company hereby grants to the Optionee an option (the “Option”) to purchase all
      or any part of an aggregate of [3,000/other]
      shares
      of Common Stock on the terms and conditions set forth herein. The Option is
      not
      an incentive stock option within the meaning of Section 422 of the Internal
      Revenue Code of 1986.

     

    3.  Purchase
      Price.
      The
      purchase price of the Common Stock subject to the Option shall be
      ______________ ($)
      ______________ per share, subject to adjustment as provided in Paragraph 6
      below and subject to the terms and conditions of the Plan. 

     

    4.  Terms
      of Option.

     

    a.  Vesting.
      This
      Option shall be immediately exercisable. Except as otherwise set forth herein,
      the last date on which the Option may be exercised
      is ______________, ______________ (“Expiration
      Date”). Any portion of the Option not exercised by its Expiration Date shall
      lapse at the close of business on that date and shall be null and void
      thereafter.

     

    b.  Final
      Termination.
      Notwithstanding anything to the contrary set forth in Paragraph 4(a), the Option
      shall no longer be exercisable ten years from the date hereof and or such
      shorter time as is prescribed in the Plan or in this Agreement.

     

    
      
        
        

      

      
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    c.  Restrictions.
      This
      Option is subject to all of the terms and conditions set forth in the Plan
      including, but not limited to, the following:

     

    (1)  This
      Option is not transferable, as provided in Section 7 of the Plan;

     

    (2)  If
      the
      Optionee ceases to serve as a Director on the Board for any reason other than
      termination for Cause, this Option shall remain exercisable until the earlier
      of
      one year from the date of termination or its Expiration Date, as provided in
      Section 5(e) of the Plan.

     

    (3)  If
      the
      Optionee’s service as a Director on the Board is terminated for Cause, this
      Option shall terminate as of the date of such Optionee’s termination of service,
      as provided in Section 5(e) of the Plan.

     

    d.  Exercise.
      This
      Option shall be exercised by notice to the Company in such form as may be
      prescribed by the Company, accompanied by full payment in cash or check (or
      shares of Common Stock of the Company), as set forth in Section 5(f) of the
      Plan.

     

    e.  Securities
      Law Restrictions.
      The
      exercise of this Option and the obligations of the Company to issue or transfer
      shares of Common Stock under the Option shall be subject to all applicable
      laws
      and to approvals by any governmental or regulatory agency as may be required
      including, without limitation, the effectiveness of any registration statement
      required under the Securities Act of 1933, as amended (the “Act”), and the rules
      and regulations of any securities exchange or market on which the Common Stock
      may be listed or traded. The Company is under no obligation to file a
      registration statement under the Act with respect to the Common Stock issued
      upon exercise of the Option. As provided by Section 12 of the Plan, no Common
      Stock shall be issued or transferred in connection with this Option unless
      and
      until all legal requirements applicable to the issuance or transfer of such
      Common Stock have been complied with to the satisfaction of the Committee.
      The
      Committee shall have the right to condition the grant of this Option on the
      Optionee’s undertaking in writing to comply with such restrictions on his or her
      subsequent disposition of such shares of Common Stock as the Committee shall
      deem necessary or advisable as a result of any applicable law, regulation or
      interpretation thereof, and certificates representing such shares may be
      legended to reflect any such restrictions. Certificates representing shares
      of
      Common Stock issued under the Plan will be subject to such stop-transfer orders
      and other restrictions as may be required by applicable laws, regulations and
      interpretations, including any requirement that a legend be placed thereon.
      If
      the Common Stock is issued in a transaction exempt from the Act, the shares
      shall bear the following restrictive legend:

     

    “These
      shares have not been registered under the Securities Act of 1933. No transfer
      of
      the shares may be affected without an opinion of counsel to the Company stating
      that the transfer is exempt from registration under the Securities Act of 1933
      and any applicable state securities laws or that the transfer of the shares
      is
      covered by an effective registration statement with respect to the
      shares.”

     

    
      
        
        

      

      
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    5.  Restrictions
      on Transfer.
      This
      Option may not be transferred, assigned, pledged or hypothecated and shall
      not
      be subject to execution, attachment or similar process. In the event the terms
      of this Paragraph 5 are not complied with by the Optionee, or if the Option
      is
      subject to execution, attachment or similar process, this Option shall
      immediately lapse and become null and void.

     

    6.  Anti-Dilution
      Provisions.
      If
      prior to the expiration of the Option there shall occur any change in
      outstanding Common Stock of the Company by reason of any stock dividend, stock
      split, spinoff, combination or exchange of shares, merger, consolidation,
      recapitalization, reorganization or the like, and as often as the same shall
      occur, then the kind and number of shares subject to the Option, or the purchase
      price per share of Common Stock, or both, shall be adjusted by the Board in
      such
      manner as it may deem equitable, the determination of which shall be binding
      and
      conclusive.

     

    7.  Acceptance
      of Provisions.
      The
      execution of this Agreement by the Optionee shall constitute the Optionee’s
      acceptance of and agreement to all terms and conditions of the Plan and this
      Agreement.

     

    8.  Notices.
      All
      notices and other communications required or permitted under the Plan and this
      Agreement shall be in writing and shall be given either by (i) personal delivery
      or regular mail, in each case against receipt, (ii) first class registered
      or
      certified mail, return receipt requested or (iii) facsimile transmission. Any
      such communication shall be deemed to have been given (a) on the date of receipt
      in the cases referred to in clauses (i) and (iii) of the preceding sentence
      and
      (b) on the second day after the date of mailing in the cases referred to in
      clause (ii) of the preceding sentence. All such communications to the Company
      shall be addressed to it, to the attention of its Secretary or Treasurer, at
      its
      then principal office and to the Optionee at his or her last address appearing
      on the records of the Company, or in each case, to such other person or address
      as may be designated by like notice hereunder.

     

    9.  Miscellaneous.
      This
      Agreement and the Plan contain a complete statement of all the arrangements
      between the parties with respect to their subject matter, and this Agreement
      may
      not be changed except by writing executed by both parties. This Agreement shall
      be governed and construed in accordance with the laws of the State of New Jersey
      applicable to agreements made and to be performed exclusively in New Jersey.
      The
      headings of this Agreement are solely for convenience of reference and shall
      not
      affect its meaning or interpretation.

     

    

     

    
      	
              By:

            	
              ______________________________

            
	 	
              Patrick
                M. Ryan

            
	 	
              Chief
                Executive Officer

            
	 	 
	 	 
	 	
              ______________________________

            
	 	
              OptioneeAnnex Lease

    EXHIBIT
      10.27

    

    L
      E A S E A G R E M E N T

    

    This
      AGREEMENT, made this
      this 18
      day
      of
      January 2006, between Danch
      Farm, LLC,
      c/o
      Crestwood Construction, 728 Estates Boulevard, Hamilton, NJ 08619, hereinafter
      designated as the Landlord, and Yardville
      National Bank
      2465
      Kuser Road, Hamilton, NJ 08690, hereinafter designated as the
      Tenant.

    

    For
      and
      in consideration of the covenants herein contained, and upon the terms and
      conditions herein set forth, Landlord and Tenant agree as follows:

    

    1.
      PREMISES.
      The
      Landlord does hereby lease to the Tenant and the Tenant does hereby rent from
      the Landlord, the following described premises, hereinafter referred to as
      "leased premises" or "premises": Part (20,000 square feet) on the third floor
      of
      an office building constructed near the intersection of Kuser and
      Yardville-Hamilton Square Roads in Hamilton Square, New Jersey on Block 2575,
      180 in Hamilton Township, Mercer County, New Jersey with accessory, undesignated
      parking all as set forth on the approved site plan dated ______________ referred
      to as Exhibit A. The subject property is shown on the Hamilton Township Tax
      Map
      as Block 2575, Lot 180. 

    

    2.
      TERM.
      The
      term of this lease shall be ten (10) years. The term of this lease and Tenant's
      obligation to pay rent shall commence on the earlier of the first day of the
      month following the first full month of occupancy by Tenant or the first day
      of
      the month following the first full month after delivery of the leased premises
      to Tenant. Notice by Landlord to Tenant of substantial completion of Landlord's
      work on the leased premises, punch list items, and work contingent upon
      completion of Tenant's own work excepted, shall constitute delivery hereunder.
      Substantial Completion shall be deemed to have occurred upon the issuance of
      a
      Certificate of Occupancy for all of Landlord’s Work. 

    

    3.
      BASIC
      RENT.
      The
      Tenant shall pay to the Landlord, as basic rent for and during the term as
      follows:

    

    First
      through fifth year-------$17.00 per sq. foot 

    Sixth
      through seventh year------18.00 per sq. foot

    Eighth
      year--------------------$18.50 per sq. foot

    Ninth
      and tenth year-----------$19.00 per sq. foot

    

    Square
      footage shall be the total gross square footage calculated by measuring the
      perimeter of the building for each floor. This shall be the same calculation
      used by the municipality in assessing for taxes.

    

    The
      first
      month’s rent is due on signing of this lease.

    All
      rent
      is due and payable in advance on the first day of each and every month during
      the term of the lease. Tenant shall pay basic rent, and any additional rent
      as
      hereinafter provided, to Landlord at Landlord's above stated address, or at
      such
      other place as Landlord may designate in writing, without demand, counterclaim,
      deduction or setoff.

    

    4.
      USE.
      Tenant
      shall continuously use and occupy the leased premises as an office building
      only
      and for no other purpose. This lease is binding on any and all successors to
      Tenant by way of merger, acquisition or otherwise.

    5.
      CARE.
      The
      Tenant shall take good care of the premises and shall maintain the premises
      in
      good condition and state of repair ordinary wear and tear excepted. The Tenant
      shall neither encumber nor obstruct the sidewalks, parking areas and
      entrances.

    
      
        
        

      

      
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    6.
      SURRENDER.
      On the
      last day, or earlier permitted termination of the lease term, Tenant shall
      quit
      and surrender the leased premises in good order and condition, ordinary wear
      and
      tear excepted. Prior to the expiration of the lease term, the Tenant shall
      remove all of its furniture, equipment and supplies from the premises, and
      shall
      repair any damage caused by such removal. Any property of the Tenant remaining
      on the premises after the last day of the term of this lease or after the
      earlier permitted termination of the lease term shall be conclusively deemed
      abandoned and may be removed or disposed of by Landlord. Tenant shall reimburse
      Landlord for the reasonable cost of such removal. Tenant shall maintain at
      Tenant=s
      cost
      and expense janitorial or custodial services for the buildings.

    

    7.
      COMPLIANCE
      WITH LAWS.
      The
      Tenant shall comply with all laws, regulations, requirements and directives
      of
      the federal, state, county and municipal authorities applicable to the business
      to be conducted by the Tenant in the leased premises. Nothing herein shall
      constitute a representation by the Landlord that any such business other than
      office use may be conducted in the leased premises, or is permissible under
      the
      certificate of occupancy issued for the building of which the leased premises
      forms a part. Prior to the commencement of opening for business, the Tenant
      shall, at its expense, and the Landlord shall cooperate in obtaining from the
      municipality (if required) a C of O or use permit. The Tenant shall promptly
      comply with all requests, orders, regulations and directives of the Board of
      Fire Underwriters or insurance companies covering the leased premises for the
      prevention of fire or other casualty at Tenant's own cost and expense. Tenant
      represents that it shall not violate any rules or regulations of the
      occupational safety and health administration. The Tenant shall conduct its
      business in such a manner, both as regards noise and other nuisances, as will
      not unreasonably interfere with, annoy, or disturb any other Tenant in the
      conduct of its business or the Landlord in the management of the property.
      Landlord will likewise use its best efforts to make sure that no other tenant
      will interfere with, annoy or disturb the Tenant under this Lease
      Agreement.

    

    8.
      SECURITY.
      The
      Tenant shall not be required to deposit with the Landlord any security
      payment

    

    9.
      ASSIGNMENT,
      The
      Tenant shall not assign, mortgage or encumber this lease, nor sublet or sublease
      the premises or any part thereof, without the prior written consent of the
      Landlord, which consent shall not be unreasonably withheld. Landlord shall
      be
      under no obligation to consent to any use other than the use designated in
      this
      Lease not withstanding the Tenant may assign or sublease to an affiliate of
      the
      Tenant without the consent of the Landlord. This lease shall be binding upon
      Tenant and any acquirer or successor of Tenant. Notwithstanding the above,
      Tenant does not need Landlord=s
      consent
      or approval for the sale of Tenant=s
      stock.

    

    10.
      NOTICES.
      All
      notices required under the terms of this lease shall be given and shall be
      complete by mailing such notices by certified or registered mail, return receipt
      requested, to the address of the parties as shown at the head of this lease,
      or
      to such other address as may be designated in writing, which notice of change
      of
      address shall be given in the same manner. All notices to Tenant may be mailed
      to the leased premises.

    

    11.
      SEVERABILITY.
      The
      terms, conditions, covenants and provisions of this lease shall be deemed to
      be
      severable. If any clause or provision herein contained shall be adjudged to
      be
      invalid or unenforceable, it shall not affect the validity of any other clause
      or provision herein, but such other clauses or provisions shall remain in full
      force and effect.

    

    12.
      INSPECTION.
      The
      Tenant agrees that the Landlord and the Landlord's agents, shall have the right
      to enter into and upon the said premises or any part thereof, at all reasonable
      hours and upon reasonable notice, while accompanied by a representative of
      Tenant, for the purpose of examining the same or making such repairs or
      alterations therein as may be necessary for the safety and preservation thereof.
      The clause shall not be deemed to be a covenant by the Landlord nor be construed
      to create an obligation on the part of the Landlord to make such inspection
      or
      repairs. Landlord recognizes that the nature of the Tenant’s business may
      require security so as to deny Landlord access to portions of the premises
      except in emergency situations under controls acceptable to
      Tenant.

    
      
        
        

      

      
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    13.
      TAX
      AND OPERATING PAYMENTS:

    For
      the
      purposes of this Lease, the following definitions will apply:

    

    •Operating
      Year - shall mean any calendar year, the whole or any portion of which is
      included within the term.

    

    •Tax
      Year
      - shall mean each calendar year (whether or not such period is fixed as the
      fiscal year for Taxes (as hereinafter defined) or any component thereof by
      any
      Governmental Authority) the whole or any portion of which is within the term.
      If
      a fiscal period fixed or any component of Taxes by any Governmental Authority
      is
      a period other than a Tax Year, then such component of Taxes shall be averaged
      over the number of calendar months in such fiscal period and each such monthly
      portion shall be included in Taxes for the Tax Year in which such calendar
      month
      occurs.

    

    •Base
      Tax
      and Operating Year - shall mean the Tax and Operating Year commencing on January
      1, 2006 and ending December 31, 2006.

    

    •Base
      Tax
      and Operating Amount - shall mean the Tax and Operating Expenses for the Base
      Tax and Operating Year.

    

    •Tenant’s
      Share - shall mean a fraction (expressed as a percentage, and carried to four
      decimal places), the numerator of which is the number of rentable square feet
      contained in the premises and the denominator of which is 60,000. As of the
      date
      hereof, Tenant’s Share is one-third.

    

    •Operating
      Expenses, for any Operating Year, shall be determined in accordance with the
      provisions of the following paragraphs (A) and (B), sequentially
      applied:

    

    (A)
      Operating Expenses shall mean all reasonable expenses paid or incurred by,
      or on
      behalf of, Landlord in respect of the operation, management, maintenance and/or
      repair of the Real Property including, without limitation, (i) the cost of
      fuel,
      gas, steam, electricity (excluding electricity furnished to specific tenant
      premises for which Landlord receives payment directly from the tenant in a
      manner other than by inclusion in Operating Expenses), heat, ventilation, air
      conditioning and chilled or condenser water, water, sewer (provided such water
      and sewer charges are not included in Taxes and are not paid by the Tenant
      directly) and other utilities, together with any taxes and surcharges on, and
      fees paid in connection with the calculation and billing of, such utilities;
      (ii) the cost of painting and/or decorating all areas of the Real Property
      (excluding, however, any leasable areas of the Building); (iii) the cost of
      casualty, liability, fidelity, rent and all other insurance regarding the Real
      Property and/or any property thereon (together with amounts paid or incurred
      on
      account of any commercially reasonable deductible therein); (iv) the cost of
      all
      supplies, tools, materials and equipment whether by purchase or rental, used
      in
      the operation, management, maintenance and/or repair of the Real Property;
      (v)
      the cost of security services, glass cleaning, snow and ice removal and garbage
      and waste collection and/or disposal; (vi) the cost of all interior and exterior
      landscaping; (vii) the cost of alterations and/or repairs made in or to the
      Real
      Property; (viii) reasonable and customary management fees not to exceed 15%
      times the total Operating Expenses (excluding real estate taxes and insurance);
      (xiii) all costs, charges and expenses 

    incurred
      by Landlord in connection with any change of any company providing electric
      supply or service, including, without limitation, maintenance, repair,
      installation and service costs associated therewith; and (xiv) all other fees,
      costs, charges and expenses properly allocable to the operation, management,
      maintenance and/or repair of the Real Property, in accordance with then
      prevailing customs and practices of the commercial office real estate industry
      in the general vicinity of the Real Property.

    

    
      
        
        

      

      
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    B.
      Operating Expenses shall not, however, include the following items (1)
      depreciation of the Building; (2) interest on, and amortization of, Mortgages
      and other debts; (3) the cost of tenant improvements made for tenant(s) of
      the
      Building, including permit, license and inspection fees; (4) brokerage
      commissions; (5) financing or refinancing costs; (6) the cost of any work or
      services performed for any tenant(s) of the building (including Tenant), whether
      at the expense of Landlord or such tenants, to the extent that such work or
      services either (a) consist of work or services that Landlord is not required
      to
      furnish to Tenant under this Lease or (b) are furnished in a manner materially
      higher in quality than the like work or services which Landlord furnishes to
      Tenant under this Lease; or (7) Taxes.

    

    •Taxes
      for any Tax Year shall mean - (A) all real estate taxes, water and sewer rents
      or charges, school taxes, vault taxes, assessments and special assessments
      levied, assessed or imposed upon or with respect to the Real Property (as
      described in Article I hereof) by any Governmental Authority. Taxes shall also
      include al taxes assessed or imposed upon Landlord with respect to the rents
      received from the Real Property (but not any general income taxes, gross
      receipts taxes or corporate franchise taxes, except to the extent provided
      in
      the following sentence). If at any time during the Term, the methods of taxation
      prevailing on the date hereof shall be altered so that in lieu of, or as an
      addition to or as a substitute for, the whole or any part of the taxes, charges
      or assessments now levied assessed or imposed, there shall be levied, assessed
      or imposed a new tax, assessment, levy, imposition, license fee or charge wholly
      or partially as a capital levy or otherwise on the Real Property or the rents
      received from the Real Property, then such additional or substitute tax,
      assessment, levy, imposition, fee or charge shall be included within Taxes
      for
      purposes hereof. Finally, Taxes shall also include any payments in lieu of
      ATaxes@
      payable
      in connection with any tax exemption obtained from any Governmental Authority
      with respect to the Real Property.

    

    Tenant
      agrees to pay as additional rent, promptly and without demand, its proportionate
      share of all real estate taxes, and operating expenses affecting the real estate
      (land and building) of which the leased premises form a part. The Landlord
      and
      Tenant agree that the proportionate share of the above taxes, and operating
      expenses to be paid by the Tenant, under the terms of this paragraph shall
      be
      computed on the basis of the Tenant’s share. Landlord and Tenant further agree
      that Tenant shall pay its proportionate share of the above taxes, and operating
      expenses monthly by paying one-twelfth the estimated amount with each basic
      monthly rent installment in a manner similar to the escrow system used by banks
      in connection with residential mortgages. Annually Landlord, upon submission
      of
      the tax, and operating expenses, shall compute any differences from the
      estimated monthly payments, notify Tenant of same, and the adjustment of the
      difference shall be made with the next due installment of the basic monthly
      rent. Photocopies of the tax bill, and operating expenses, submitted by the
      Landlord to the Tenant, shall be sufficient evidence of the amount of taxes
      and
      operating expenses.

    

    Tenant
      shall have the right, on an annual basis and at the Tenant’s sole cost, to audit
      the Operating Expenses charged by the Landlord.

    

    14.
      QUIET
      ENJOYMENT.
      The
      Landlord represents that the Landlord is the owner of the premises herein leased
      and has the right and authority to enter into, execute and deliver this lease;
      and does further covenant that the Tenant on paying the rent and performing
      the
      conditions and covenants herein contained, shall and may peaceably and quietly
      have, hold and enjoy the leased premises for the term
      aforementioned.

    

    15.
      MORTGAGE
      PRIORITY.
      This
      lease shall not be a lien against the said premises in respect to any mortgages
      that may hereafter be placed upon said premises. The recording of such mortgage
      shall have preference and precedence and be superior and prior in lien to this
      lease, irrespective of the date of recording. The Tenant agrees to execute
      any
      instruments, without cost, which may be deemed necessary or desirable, to effect
      the subordination of this lease to any such mortgage provided said mortgagee
      executes a nondisturbance and attornment agreement in a form satisfactory to
      Tenant. A refusal by the Tenant to execute such instruments shall entitle the
      Landlord to cancel this lease. The term hereof is expressly limited
      accordingly.

    

    
      
        
        

      

      
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    16.
      SIGNS.
      The
      Tenant shall not place nor allow to be placed any signs of any kind whatsoever,
      upon, in or about the leased premises without the prior written consent of
      the
      Landlord, which consent will not be unreasonably withheld. Landlord agrees,
      if
      required by Tenant, to attach at Tenant's own cost and expense an illuminated
      sign onto a freestanding sign that may be erected by Landlord. Tenant may erect
      at Tenant's own cost and expense an illuminated sign on the exterior of the
      leased premises. All signs herein erected shall be approved, before erection,
      by
      the Landlord in writing as to size, location, content and color. Landlord
      reserves the right to require Tenant to keep signs lighted at night up until
      a
      designated hour. Any signs permitted by the Landlord shall at all times conform
      with all municipal ordinances or other laws and regulations applicable
      thereto.

    

    17.
      PARKING.
      Tenant
      agrees not to park and to require its employees and other non-customers to
      refrain from parking any vehicle on Landlord's land in such places as may be
      designated by Landlord for the use of a particular Tenant, its employees, and
      others. Said restricted parking areas shall be set forth on the attached site
      plan and will not be changed following the execution of this Lease unless
      consented to in writing by the Tenant Landlord and Tenant agree that during
      the
      term of this Lease, employees and visitors/customers of Tenant shall be entitled
      to the non-exclusive use, free of charge but in common with others, of the
      driveways, foot--ways and parking areas in the subject property of which the
      leased premises form a part; provided that such use by both Tenant and its
      customers shall be subject to the limitations of said driveways, foot-ways
      and
      parking area to accommodate the same, and provided further, that Landlord shall
      at all times have full control, management and direction of said driveways,
      foot-ways and parking areas, and that Landlord shall have the right at any
      time
      to change the layout thereof.

    

    18.
      UTILITIES
      AND SERVICES:

    As
      used
      herein, the terms ”Business Hours” shall mean the hours between 8:00 a.m. and
      6:00 p.m. on Business Days, and the hours between 8:00 a.m. and 1:00 p.m. on
      Saturdays (other than Saturdays which re Holidays), and ”Business Days” shall
      mean all days except Saturdays, Sundays and Holidays. The term ”Holidays” shall
      mean New Year’s Day, Presidents Day, Memorial Day, Independence Day, Labor Day,
      Thanksgiving, the day following Thanksgiving and Christmas. The term ”Building
      Services” shall mean the services required to be provided to Tenant by Landlord
      pursuant to this Article 18. 

    

    18.l
      Electricity
      and Water:
      Landlord
      shall furnish reasonable quantities of hot and cold water to the Core Lavatories
      located on each floor of the premises for core lavatory and cleaning purposes
      and hot and cold water to the area used by Tenant as a “kitchen or break room”.
      Landlord shall also furnish electricity for common areas within and without
      the
      premises. Tenant shall pay its proportionate share of these charges as common
      area charges. Tenant’s electricity will be provided through a separate meter for
      the floor Tenant occupies and Tenant shall be responsible for one-hundred
      percent of those charges.

    

    18.3:
      HVAC
      Services:
      Landlord, during business hours, shall furnish heat, ventilation and air
      conditioning (”HVAC”) to the premises as may be reasonably required (except as
      otherwise provided in this Lease and except for any special requirements of
      Tenant arising from its particular use of Premises) for reasonably comfortable
      occupancy of the Premises. All to be billed to Tenant proportionately as a
      common area charge.

    

    19.
      LANDLORD'S
      EXCULPATION.
      The
      Landlord shall not be liable for any damage or injury which may be sustained
      by
      the Tenant or any other person, as a consequence of the failure, breakage,
      leakage or obstruction of the water, plumbing, steam, sewer, waste or soil
      pipes, roof, drains, leaders, gutters, valleys, downspouts or the like or of
      the
      electrical, gas, power, refrigeration, sprinkler, air-conditioning or heating
      systems; or by reason of the elements; or resulting from the carelessness,
      negligence or improper conduct or of the Landlord or this or any other Tenant's
      agents, employees, guests, licensees, invitees, subtenants, assignees or
      successors; or attributable to any interference with, interruption of or
      failure, beyond the control of the Landlord, of any services to be furnished
      or
      supplied by the Landlord. Nor shall Tenant be liable in any such instances
      or
      events except for acts of its agents, servants or employees. Notwithstanding
      the
      above, if the utility services are interrupted due to no fault of the Tenant
      but
      due to the fault of the Landlord for a period of more than ten (10) days, then
      Tenant will be entitled to an abatement of rent until such time as the utilities
      are returned to service. Tenant and Landlord both agree to use their best
      efforts to have the utilities returned to service as soon as possible. In the
      event the utility or utilities are not restored for a period of six (6) months,
      then Tenant shall have the right to cancel this Lease Agreement unless the
      

    
      
        
        

      

      
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    non-restoration
      of services results from the fault of Tenant. Also, Landlord shall not be
      exculpated from liability resulting from any gross negligence or willful or
      wanton acts of the Landlord, or any of its agents, employees, guests, licensees,
      invitees, assignees or successors. 

    

    20.
      LIABILITY
      INSURANCE.
      Tenant
      shall keep in force at its own expense, so long as this Lease remains in effect,
      public liability insurance in companies acceptable to the Landlord with respect
      to the premises, in form satisfactory to Landlord covering both Landlord and
      Tenant with minimum limits of $2,000,000 per person and $5,000,000 per accident
      and in which the property damage liability shall be not less than $100,000.
      Tenant will deposit the policy of such insurance or certificates thereof with
      Landlord within 15 days of occupying said premises.

    

    21.
      PLATE
      GLASS.
      Tenant
      shall keep in force at its own expense plate glass insurance with respect to
      the
      premises insuring against all cracks, damaged and broken plate glass and the
      replacement thereof. The obligation of the Tenant to carry such insurance shall
      not relieve the Tenant from the obligation to maintain, repair and replace
      all
      plate and other glass in the leased premises.

    

    22.
      NON-PERFORMANCE
      BY LANDLORD.
      This
      lease and the obligation of the Tenant to pay the rent hereunder and to comply
      with the covenants and conditions hereof, shall not be affected, curtailed,
      impaired or excused because of the Landlord's inability to supply any service,
      by reason of any rule, order regulation or preemption by any governmental
      entity, authority, department, agency or subdivision or for any delay which
      may
      arise by reason of negotiations for the adjustment of any fire or other casualty
      loss or because of strikes or other labor trouble or for any cause beyond the
      control of the Landlord. This Section does not apply to Tenant’s remedies
      following an interruption of utility services as provided in Section
      19.

    

    23.
      REIMBURSEMENT
      OF LANDLORD.
      If the
      Tenant shall fail or refuse to comply with or perform any conditions and
      covenants of the within lease, the Landlord may, if the Landlord so elects,
      carry out and perform such conditions and covenants, at the cost and expense
      of
      the Tenant, and the said cost and expense shall be payable on demand, or at
      the
      option of the Landlord, shall he added to the installment of rent due
      immediately thereafter, but in no case later than one month after such demand.
      This remedy shall be in addition to such other remedies as the Landlord may
      have
      hereunder by reason of the breach by the Tenant. Landlord’s rights hereunder
      shall apply only after giving Tenant reasonable notice to cure the covenant
      or
      condition alleged to have not been complied with. Likewise, if the Landlord
      shall fail or refuse to comply or perform any conditions or covenants of the
      within Lease, the Tenant may, if the Tenant so elects, carry out and perform
      such conditions or covenants, at the cost and expense of the Landlord, and
      the
      said cost and expense shall be deducted from any future rent payable to the
      Landlord. This remedy shall be in addition to such other remedies as the Tenant
      may have hereunder by reason of a breach by the Landlord. Tenant’s rights
      hereunder shall apply only after giving Landlord reasonable notice to cure
      the
      covenant or condition alleged to have not been complied with.

    

    24.
      CONDEMNATION.
      If the
      land and premises leased herein, or of which the leased premises are a part,
      or
      any portion thereof, shall be taken under eminent domain or condemnation
      proceeding, or if suit or other action shall be instituted for the taking or
      condemnation thereof, or if in lieu of any formal condemnation proceedings
      or
      actions, the Landlord shall grant an option to purchase and or shall sell and
      convey the said premises or any portion thereof, to the governmental or other
      public authority, agency, body or public utility, seeking to take said land
      and
      premises or any portion thereof, then this lease shall terminate, and the term
      hereof shall end as of such date as the Landlord shall fix by notice in writing;
      and the Tenant shall have no claim or right to claim or be entitled to any
      portion of any amount which may be awarded as damages or paid as the result
      of
      such condemnation proceedings or paid as the purchase price for such option,
      sale or conveyance in lieu of formal condemnation proceedings. The Tenant agrees
      to execute and deliver any instruments as may be deemed necessary or required
      to
      expedite any condemnation proceedings or to effectuate a proper transfer of
      title to such governmental or other public authority, agency, body or public
      utility seeking to take or acquire the said lands and premises or any portion
      thereof. The Tenant covenants and agrees to vacate the said premises, remove
      all
      the Tenant's personal property there from and deliver up peaceable possession
      thereof to the Landlord or to such other party designated by the Landlord in
      the, aforementioned notice. Failure by the Tenant to comply with any Provisions
      in this clause shall subject the Tenant to such costs, expenses, damages and
      losses as the Landlord may incur by reason of the Tenant's breach hereof.
      Nothing herein shall be 

    
      
        
        

      

      
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    construed
      to prevent the Tenant from prosecuting in any condemnation proceedings, a claim
      for the value of its interest, but in no event shall any award to the Tenant
      interfere with any award to the Landlord for the value of the land, building,
      or
      leasehold.

    

    25.
      ALTERATION.
      No
      alterations, installations, additions, or improvements shall be made, installed
      or attached to the leased premises, without the written consent of the Landlord
      which consent shall not be unreasonably withheld. Unless otherwise provided
      herein, all such alterations, additions or improvements and installations,
      when
      made, installed or attached to the said premises, shall belong to and become
      the
      property of the Landlord and shall be surrendered with the premises and as
      part
      thereof upon the expiration or termination of this Lease. Notwithstanding the
      above, Tenant is permitted to make any nonstructural improvement inside the
      leased premises without the Landlord’s consent.

    

    26.
      FIXTURES.
      It is
      agreed that the Tenant shall have the right to install whatever trade equipment,
      fixtures and inventory as may be deemed necessary by the Tenant for the conduct
      of the business for which the premises have been leased, subject to compliance
      with applicable rules and regulations of governmental boards having jurisdiction
      thereof. Any trade equipment, fixtures or inventory of the Tenant, not removed
      by the Tenant upon the termination of this Lease, or upon any quitting, vacating
      or abandonment of the premises by the Tenant, or upon Tenant's eviction, shall
      be considered as abandoned and the Landlord shall have the right, without notice
      to the Tenant, to sell or otherwise dispose of the same and shall not be
      accountable to the Tenant for any part of the proceeds of such sale, if
      any.

    

    27.
      LANDLORD'S
      LIEN.
      Upon
      any default by Tenant herein, Landlord shall have a lien and security interest
      on all trade equipment, f fixtures and inventory of Tenant, in addition to
      any
      other remedies that may be available to Landlord.

    

    28.
      FIRE
      OR OTHER CASUALTY.
      In case
      of fire or other casualty, the Tenant shall give immediate notice to the
      Landlord. If the premises shall be partially damaged by fire, the elements
      or
      other casualty, the Landlord shall repair the same as speedily as practicable,
      but the Tenant's obligation to pay the rent hereunder shall not cease. If,
      in
      the opinion of the Landlord or the Tenant, the premises be so extensively and
      substantially damaged as to render them untenantable, then the rent shall cease
      until such time as the premises shall be made tenantable by the Landlord.
      However, if, in the opinion of the Landlord, the premises be totally destroyed
      or so extensively and substantially damaged as to require practically a
      rebuilding thereof, then the rent shall be paid up to the time of such
      destruction and then and from thenceforth this lease shall come to an end.
      In no
      event however, shall the provisions of this clause become effective or be
      applicable, if the fire or other casualty and damage shall be the result of
      the
      carelessness, negligence or improper conduct of the Tenant or the Tenant's
      employees. In such case, the Tenant's liability for the payment of the rent
      and
      the performance of all the covenants, conditions and terms hereof on the
      Tenant's part to be performed shall continue. If the Tenant shall have been
      insured against any of the risks herein covered, then the proceeds of such
      insurance shall be paid over to the Landlord to the extent of the Landlord'
      s
      cost and expenses to make the repairs hereunder, and such insurance carriers
      shall have no recourse against the Landlord for reimbursement. Notwithstanding
      the above, if the Landlord cannot repair the damages to the leased premises
      within a six (6) month period, then the Tenant shall have the right to terminate
      this Lease and the rent shall be due and owing only up until the date of the
      fire or other casualty.

    

    29.
      INCREASE
      IN FIRE INSURANCE RATE.
      Tenant
      agrees that in the event the Tenant's use and occupancy of the leased premises,
      causes, for any reason whatsoever, any additional charge or increase in the
      rate
      of insurance on the building of which the leased premises are a part, or in
      the
      event the rate of insurance on the building can be decreased by an act of the
      Tenant, or by his compliance with recommendations of the Landlord, or it Agents,
      then and in either of such events, the Tenant shall, from time to time
      immediately upon receipt of notice, do whatever is deemed necessary, and follow
      whatever recommendations may be made, by the Landlord or its Agents in order
      that such excess charge or increase in rate of insurance on the building so
      caused by such tenancy, use or occupancy of the leased premises, by the Tenant
      may be removed, or the lower rate obtained; or, in event conditions are such
      that nothing can be done, by way of improvements or otherwise, to remove such
      extra and additional charge or increase of rate of insurance on the building,
      or
      the expense involved is excessive, then the Tenant shall pay the Landlord as
      

    
      
        
        

      

      
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    additional
      rent the increased or additional cost of such insurance on the building. In
      determining whether additional insurance costs are the result of Tenant's use
      and occupancy of the leased premises, a schedule issued by the organization
      making the insurance rate and showing the various components of such rate,
      shall
      be conclusive evidence of the several items and charges which make up the
      insurance rate.

    

    30.
      REFUSE.
      Landlord shall at its own cost and expense maintain a refuse container. Such
      container shall be adequate in size and structure for the Tenant’s use and kept
      in good and secure condition. Such container shall be located in an area
      designated by the Landlord. Tenant: shall not permit undue accumulations of
      trash, rubbish and other refuse.

    

    31.
      CLEANLINESS.
      Tenant
      agrees to maintain the lease premised, at its own expense, in a clean, orderly
      and sanitary condition and free of insects, rodents, vermin and other pests.
      Tenant also agrees not to cause or permit objectionable odors to emanate or
      be
      dispelled from the leased premises.

    

    32.
      TENANT
      REPAIRS.
      Tenant
      agrees to keep the interior of the leased premises in good order and condition
      at its own expense and to make all necessary repairs and replacements with
      respect to the leased premises.

    

    33.
      LANDLORD
      REPAIRS.
      Landlord shall maintain the structural portions (which shall constitute the
      exterior walls, the support columns of the building and the foundation) of
      the
      leased premises, but if Landlord is required to make repairs to structural
      portions by reason of Tenant's negligent acts or omissions to act, Landlord
      may
      add the cost of such repairs to the rent which shall thereafter become due.
      Landlord shall be responsible for the roof, unless damage is caused by the
      Tenant or Tenant installations. Landlord shall be responsible for all
      electrical, plumbing, heating and other mechanical installation within the
      premises and building. Above repairs that are the responsibility of the Landlord
      shall become part of and be added to the common area expense provided, however,
      that any capital repairs will be amortized over the useful life of the repair
      and allocated to the tenants in the building in accordance with that
      amortization.

    

    34.
      SITE
      REVISIONS.
      The
      Landlord herein reserves the right at any time to make changes or revisions
      in
      the parking areas, to make alterations thereof, additions thereto, and to
      construct additional buildings as permitted by applicable land use laws and
      regulations provided such changes, revisions, alterations, additions or
      construction do not materially impact the Tenant’s use of premises or decrease
      the number of available parking spaces.

    

    35.
      DAMAGE.
      In case
      of the destruction of or damage of any kind whatsoever to the said premises,
      caused by the carelessness, negligence or improper conduct on the part of the
      Tenant or the Tenant's agents, employees, or invitees, the Tenant shall repair
      the said damage or replace or restore any destroyed parts of the premises,
      as
      speedily as possible, at the Tenant's own cost and expense or from insurance
      proceeds.

    

    36.
      INDEMNIFICATION: 

    A.
      Tenant
      shall indemnify and hold harmless Landlord from and against any and all claims
      arising from or in connection with: (a) the conduct or management of the
      premises or of any business therein, or any work or thing whatsoever done or,
      any condition created (other than by Landlord) in or about the premises during
      the Term; (b) any act, omission or negligence of Tenant; (c) any accident,
      injury or damage whatever (except to the extent caused by Landlord’s negligence)
      occurring in, at or upon the premises; and (d) and breach or default by Tenant
      under this Lease; together
      with
      all
      reasonable costs, expenses and liabilities incurred in or in connection with
      each such claim, or any action or proceeding brought thereon, including all
      reasonable attorneys’ fees and expenses.

    

    B.
      Landlord shall indemnify and hold harmless Tenant from and against any and
      all
      claims arising from or in connection with: (a) the conduct or management of
      the
      Public Areas, or any work or thing whatsoever done, or any condition created
      (other than by Tenant) in the Public Areas during the Term; (b) any act,
      omission or negligence of Landlord (other than with respect to conditions in
      the
      premises); (c) any accident, injury or damage whatever (except to the extent
      caused by Tenant’s negligence) occurring in, at or upon the Public Areas; (d)
      any breach or default by Landlord under this Lease; together
      with
      all
      reasonable costs, expenses and liabilities incurred in or in connection with
      each such claim, or any action or proceeding brought thereon, including all
      reasonable attorneys’ fees and 

    
      
        
        

      

      
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    expenses.
      

    

    37.
      LATE
      PENALTY.
      Any
      rent due under the terms of this Lease and not received by the Landlord by
      the
      fifth work day of the month in which it is due will be subject to a late penalty
      of the maximum amount permitted by law, but not to exceed five (5%) percent.
      The
      late penalty shall be imposed at the discretion of the Landlord and if so
      imposed shall be payable by the Tenant on demand of the Landlord. Landlord's
      failure to impose penalty shall not constitute any waiver of this paragraph.
      The
      late penalty shall be deemed additional rent.

    

    38.
      REMEDIES
      UPON TENANT'S DEFAULT.
      If
      Tenant defaults in fulfilling any of the covenants of this Lease other than
      the
      covenants for the payment of rent or additional rent, then in any one or more
      such events upon the Landlord serving a written five (5) day notice upon Tenant
      specifying the nature of said default and upon the expiration of said five
      (5)
      days, if Tenant shall have failed to comply with or remedy such default or
      if
      the said default or omission complained of shall be nature that the same cannot
      be completely cured or remedial within said five (5) day period, and if Tenant
      shall not have diligently commenced curing such default within such five (5)
      day
      period and shall not thereafter with reasonable diligence and in good faith,
      proceed to remedy or cure such default, then Landlord may serve a written three
      (3) days’ notice of cancellation of this Lease upon Tenant, and upon the
      expiration of said three (3) days this Lease and the term thereunder shall
      end
      and expire as fully and completely as if the expiration of such three (3) day
      period were the day herein definitely fixed for the end and expiration of this
      Lease and the term thereof and Tenant shall quit and surrender the demised
      premises to the Landlord but Tenant shall remain liable for rent and other
      charges as hereinafter provided.

    

    39.
      TERMINATION
      ON DEFAULT.
      Upon
      the occurrence of any of the contingencies set forth in the preceding clause,
      or
      should the Tenant be adjudicated a bankrupt, insolvent or placed in
      receivership, or should proceedings be instituted by or against the Tenant
      for
      bankruptcy, insolvency, receivership, agreement of composition or assignment
      for
      the benefit of creditors, or if this lease or the estate of the Tenant hereunder
      shall pass to another by virtue of any court proceedings, writ or execution,
      levy, sale, or by operation of law, the Landlord may, if the Landlord so elects,
      at any time thereafter, terminate this lease and the term hereof, upon giving
      to
      the Tenant or to any trustee, receiver, assignee or other person in charge
      of or
      acting as custodian of the assets or property of the Tenant, five days notice
      in
      writing, of the Landlord's intention so to do. Upon the giving of such notice,
      this lease and the term hereof shall end on the date fixed in such notice as
      if
      the said date was the date originally fixed in this lease for the expiration
      hereof; and the Landlord shall have the right to remove all persons, goods,
      fixtures, and chattels there from, by force or otherwise, without liability
      for
      damages. In the event that the relationship of Landlord and Tenant may cease
      or
      terminate by reason of the default by the Tenant or by the ejectment of the
      Tenant by judicial proceedings, or after the abandonment of the premises by
      the
      Tenant, it is hereby agreed that the Tenant shall remain liable for rent and
      costs as stated in above paragraph 38.

    

    40.
      NON-WAIVER.
      The
      various rights, remedies, options and elections of the Landlord, expressed
      herein, are cumulative, and the failure of the Landlord to enforce strict
      performance by the Tenant of the conditions and covenants of this lease or
      to
      exercise any election or option or to resort or have recourse to any remedy
      herein conferred or the acceptance by the Landlord of any installment of rent
      after any breach by the Tenant, in any one or more instances, shall not be
      construed or deemed to be a waiver or a relinquishment for the future by the
      Landlord of any such conditions and covenants, options, elections or remedies,
      but the same shall continue in full force and effect.

    

    41.
      RIGHT
      TO EXHIBIT.
      The
      Tenant agrees to permit the Landlord and the Landlord's agents to show the
      premises to persons wishing to rent or purchase the same, and Tenant agrees
      that
      on and after 180 days next preceding the expiration of the term hereof, the
      Landlord or the Landlord's agents shall have the right to place notices on
      the
      front of said premises or any part thereof, offering the premises for rent
      or
      for sale; and the Tenant hereby agrees to permit the same to remain thereon
      without hindrance.

    

    42.
      RULES
      AND REGULATIONS.
      Tenant
      agrees to abide by reasonable rules and regulations established by the Landlord
      and provided to the Tenant from the Landlord from time to time for the operation
      of the property owner’s association, if any, premises of which the leased
      premises form a part. Said rules and regulations to include but not

    
      
        
        

      

      
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    limited
      to a provision for lighting at night. See attached Maintenance
      Agreement.

    

    43.
      ABANDONMENT.
      Tenant
      shall continuously throughout the term of this Lease conduct and carry on the
      type of business for which the premises have been leased. Tenant shall not
      allow
      the leased premises to become vacant or deserted for a period of more than
      six
      (6) months.

    

    44.
      WAIVER
      OF JURY TRIAL.
      Landlord and Tenant do hereby waive trial by jury in any action, proceeding
      or
      counterclaim brought by either of the parties hereto against the other on any
      matter whatsoever arising out of or in connection with this Lease, the
      relationship of Landlord and Tenant, Tenant's use or occupancy of the premises,
      and/or claim, injury or damage.

    

    45.
      ENFORCEMENT.
      Tenant
      shall pay, upon demand, all of Landlord's reasonable costs, charges and
      expenses, including the fees of counsel, agents and others retained by Landlord,
      incurred in enforcing Tenant's obligation to pay the basic and additional rents
      due under this lease. In actions to enforce any other provision of this Lease,
      the losing party shall be responsible for the other party’s reasonable costs,
      charges, expenses and counsel, expert and other fees, incurred in such
      actions.

    

    46.
      LOSS
      OF PROPERTY.
      Landlord shall not be liable for any loss of property by Tenant from any cause
      whatsoever, including, but not limited to theft or burglary from the leased
      premises, and Tenant covenants and agrees to make no claim for any such loss
      at
      any time unless due to gross negligence of the Landlord or its agents, employees
      or invitees.

    

    47.
      ENTIRE
      AGREEMENT.
      This
      lease contains the entire agreement between the parties, no representative,
      agent or employee of the Landlord has been authorized to make any
      representations or promises with reference to the within letting or to vary,
      alter or modify the terms hereof. No additions, changes or modifications,
      renewals or extensions hereof, shall be binding unless reduced to writing and
      signed by the Landlord and the Tenant.

    

    48.
      ADDITIONAL
      RENT.
      Any
      payments required to be made by Tenant. Whether to Landlord or otherwise, under
      this lease shall be deemed to be additional rent, whether or not so designated
      in the lease. Landlord shall be entitled to all remedies available to Landlord
      of non-payment of rent in the event that Tenant fails to pay any such
      payment.

    

    49.
      BROKER.
      Tenant
      warrants and represents that it has not dealt or negotiated with any real estate
      broker or salesperson in connection with this Lease agreement other than Maguire
      Burke Realtors and that it shall indemnify and hold Landlord harmless from
      any
      costs, claims or damages by any other person or firm claiming to have negotiated
      or brought about this Lease. Landlord recognizes Maguire Burke Realtors as
      the
      agent and agrees to pay five percent (5%) of the net base rent during the term
      hereof to said agent.

    

    50.
      PHOTOCOPIES.
      Photocopies bearing original signatures of the parties shall be deemed to be
      original documents, and the parties hereto and lending institutions may rely
      upon said photocopies bearing original signatures as such
      originals.

    

    51.
      EXECUTION.
      The
      submission of this Lease for examination does not constitute a reservation
      of or
      option for the premises. This Lease agreement shall become effective only upon
      execution by both Landlord and Tenant.

    

    52.
      HEADINGS.
      The
      headings contained in the body of this lease agreement are for purposes of
      identification only, and are not a part of the agreement between the
      parties.

    

    53.
      PERSONAL
      LIABILITY.
      Notwithstanding anything to the contrary provided in this lease, it is
      specifically understood and agreed, such agreement being a primary consideration
      for the execution of this lease by Landlord, that there shall be absolutely
      no
      personal liability on the part of Landlord, its Partners, nor their successors,
      with respect to any of the terms and conditions of this lease. The Tenant shall
      look solely to the equity of the Landlord in the Premises for the satisfaction
      of each and every remedy of Tenant in the event of any breach by Landlord of
      any
      of the terms and conditions of this lease to be performed by Landlord, such
      exculpation of liability to be absolute 

    
      
        
        

      

      
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    and
      without any exceptions whatsoever.

    

    54.
      LANDLORD
      INSTALLATION. Landlord’s
      work is described in the attached plan prepared by Steve Cohen,
      Architect.

    

    55.
      TENANT
      WORK. Tenant
      is
      permitted to enter the leased premises prior to commencement of the lease term
      in order to prepare the premises, provided however, that such entry does not
      interfere, impede or disrupt the Landlord nor violate any township
      ordinances.

    

    The
      parties hereto have executed this Lease Agreement on the day and year first
      above written.

    

    
      	
              As
                to Landlord:

            	
              As
                to Tenant:

            
	
              Danch
                Farm, LLC

            	
              Yardville
                National Bank

            
	 	 	 	 
	
              By:

            	
              /s/
                John Klein, III

            	
              By:

            	
              /s/
                Patrick M. Ryan

            
	 	
              John
                Klein, III

            	 	
              Patrick
                M. Ryan

            
	 	 	 	
              President/CEO

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