Document:

Triple Net Lease

 Exhibit 10.26 
 Triple Net Lease 
 LEASE AGREEMENT, dated as of September 4, 2002
(this Lease), between ROB, LLC, a Florida limited liability company (“Lessor”)/ having an address at 1550 Dale Avenue, Winter Park, FL 32789, and BANKFIRST, a Florida Banking Corporation (“Lessee”), having an address at 1031 West
Morse Boulevard, Suite 323, Winter Park, FL 32789. 
 1. Demise of Premises. 

In consideration of the rents and covenants herein stipulated to be paid and performed, Lessor hereby demises and lets to Lessee for the
respective terms hereinafter described and upon the terms and conditions hereinafter specified, the premises consisting of (i) the parcel or parcels of land described in Schedule A attached hereto, (ii) all improvements constructed and to
be constructed on such parcels, and (iii) all easements, rights, and appurtenances relating to such parcels (collectively, the “Leased Premises”). 
 2. Title and Condition. 
 The Leased Premises are demised and let subject to
(a) the existing state of the title thereof as of the commencement of the term of this Lease, (b) any state of facts which an accurate survey or physical inspection thereof might show, (c) all zoning regulations, restrictions, rules,
and ordinances, building restrictions and other laws and regulations now in effect or hereafter adopted by any governmental authority having jurisdiction, and (d) with respect to buildings, structures, and other improvements located on the
Leased Premises, their condition as of the commencement of the term of this Lease, without representation or warranty by Lessor. Lessee represents that it has examined the title to the Leased Premises prior to the execution and delivery of this
Lease and has found the same to be satisfactory for all purposes hereof. 
 3. Use of Leased Premises; Quiet Enjoyment

 (a) Lessee may occupy and use the Leased Premises for any lawful purpose. 

(b) If and so long as Lessee shall observe and perform all covenants, agreements, and obligations required by it to be observed and
performed hereunder, Lessor warrants peaceful and quiet occupation and enjoyment of the Leased Premises by Lessee; provided that Lessor and its agents may enter upon and examine the Leased Premises at reasonable times. 

4. Terms. 

Subject to the terms, covenants, agreements, and conditions contained herein, Lessee shall have and hold the Leased Premises for a primary
10-year term (the “Primary Term”) commencing on 9/4/2002, and ending at midnight on 9/3/2012. Thereafter, Lessee shall have the right and option to extend the terms of this Lease for three consecutive extended terms of 5- years each (each
an “Extended Term”) unless and until the terms of this Lease shall be sooner terminated pursuant hereto. The first such Extended Term shall commence on 9/4/2012 and shall end at midnight on 9/3/2017. The second such Extended Term shall
commence on 9/4/2017 and shall end at midnight on 9/3/2022. The third and final such Extended Term shall commence on 9/4/2022 and shall end at midnight on 9/3/2027. In the event that Lessee shall choose NOT to exercise any such option for an
Extended Term, Lessee must do so by giving notice in writing to Lessor at least 180 days prior to the end of the Primary Term or the then current 

  
 - 1 -

 
Extended Term. The giving of such written notice by Lessee to Lessor shall act to terminate this Lease. In the event that Lessee fails to give such notice of non-renewal to Lessor, this Lease
shall automatically renew for the next Extended Term, if any, and no instrument of renewal need be executed. In the event that Lessee does not exercise its option to extend the term of this Lease for an Extended Term, (as provided in this paragraph
4), then Lessor shall have the right during the remainder of the term of this Lease then in effect to advertise the availability of the Leased Premises for reletting. 
 5. Rent 
 (a) Lessee covenants to pay to Lessor, as installments of rent for
the Leased Premises during the term of this Lease, the respective amounts set forth in Schedule B hereto (the “Basic Rent”). The first payment is due and payable on September 4, 2002 and thereafter each monthly payment shall be due on
the first of each month in lawful money of the United States of America. Payments shall be made at Lessor’s address set forth above or at such other place within the continental United States or to such other person as Lessor from time to time
may designate to Lessee in writing. Lessee will also pay to Lessor on demand as additional rent, interest at the highest rate permitted by law, on all overdue installments of Basic Rent from the due date thereof until paid in full and on all overdue
amounts of additional rent relating to obligations which Lessor shall have paid on behalf of Lessee. 
 (b) If Lessee exercises
its option to one or more Extended Terms, the Basic Rent shall increase each and every year by four percent (4%), including but not limited to the first year of each such Extended Term. 

(c) Lessee covenants to pay and discharge when the same shall become due, all other amounts, liabilities, and obligations which Lessee
assumes or agrees to pay or discharge pursuant to this Lease together with every fine, penalty, interest, and cost which may be added for non-payment or late payment thereof. In the event of any failure by Lessee to pay or discharge any of the
foregoing, Lessor shall have all rights, powers, and remedies provided herein, by law or otherwise. 
 6. Net Lease.

 (a) This is a net lease, and the Basic Rent, additional rent, and all other sums payable hereunder by Lessee, shall be paid
without notice or demand. 
 (b) Lessee agrees that it will remain obligated hereunder in accordance herewith, and that it will
not take any action to terminate, rescind, or avoid this Lease, notwithstanding (i) the bankruptcy, insolvency, reorganization, composition, readjustment, liquidation, dissolution, winding-up or other proceeding affecting Lessor or any assignee
of Lessor in any such proceeding and (ii) any action with respect hereto which may be taken by any trustee or receiver of Lessor or of any assignee of Lessor in any such proceeding or by any court in any such proceeding. 

(c) The Lessee shall keep and maintain the Demised Premises in compliance with, and shall not cause or permit the Demised Premises to be
in violation of, any federal, state, or local laws, ordinances or regulations relating to environmental conditions (Hazardous Materials Laws) on, under, about, or affecting the Demised Premises. The Lessee shall not use, generate, manufacture,
store, or dispose of on, under or about the Demised Premises or transport to or from the Demised Premises any flammable explosives, radioactive materials, hazardous wastes, toxic substances, or related materials, including without limitation any
substances defined as or included in the definition of hazardous substances, hazardous wastes, hazardous materials, or toxic substances under any applicable federal or state laws or regulations (collectively referred to hereinafter as
“Hazardous Materials”). The Lessee shall, at its expense, take all necessary remedial action(s) in response to the presence of any Hazardous Materials on, under, or about the Demised Premises. 

  
 - 2 -

 7. Taxes and Assessments; Compliance with Law. 

(a) Subject to paragraph 16, Lessee shall pay, when due: (i) all taxes, assessments (including assessments for benefits from public
works or improvements, whether or not begun or completed prior to the commencement of the term of this Lease and whether or not to be completed within said term), levies, fees, water and sewer rents and charges, and all other governmental charges,
general and special, together with any interest and penalties thereon, which are, at any time, imposed or levied upon or assessed against (A) the Leased Premises or any part thereof, (B) any Basic Rent, additional rent reserved or payable
hereunder, or any other sums payable by Lessee hereunder, or (C) this Lease or the leasehold estate hereby created or which arise in respect of the operation, possession, occupancy, or use thereof, (ii) any gross receipts or similar taxes
imposed or levied upon, assessed against, or measured by the Basic Rent, such additional rent, or such other sums payable by Lessee hereunder, (iii) all sales and use taxes which may be levied or assessed against or payable by Lessor or Lessee
on account of the acquisition, leasing, or use of the Leased Premises or any portion thereof, (iv) all charges for water, gas, light, heat, telephone, electricity, power, and other utility and communications sen/ices rendered or used on or
about the Leased Premises, and (v) any and all other obligations that may arise by virtue of Lessee’s use and/or possession of the Demised Premises. Notwithstanding the foregoing provisions of this paragraph 7(a), Lessee shall not be
required to pay any franchise, corporate, estate, inheritance, succession, transfer, income, profits, or revenue taxes of Lessor (other than any gross receipts or similar taxes imposed or levied upon, assessed against, or measured by, the Basic
Rent, additional rent, or any other sums payable by Lessee hereunder). Lessee agrees to furnish to Lessor, within 30 days after written demand therefore, proof of the payment of all such taxes, assessments, levies, fees, rents, and charges, and all
such utility and communication charges which are payable by Lessee as provided in this paragraph 7(a). In the event that any assessment against the Leased Premises becomes due and payable during the Primary or any Extended Term and may be legally
paid in installments, Lessee shall have the option to pay such assessment in installments; and in such event, Lessee shall be liable only for those installments which become due and payable during the Primary and Extended Terms. 

(b) Subject to paragraph 16, Lessee shall, at its expense, comply with and cause the Leased Premises to comply with all governmental
statutes, laws, rules, orders, regulations, and ordinances affecting the Leased Premises or any part thereof, or the use thereof. Lessee shall, at its expense, comply with the requirements of all policies of insurance which at any time may be in
force with respect to the Leased Premises, and with the provisions of all contracts, agreements, and restrictions affecting the Leased Premises or any part thereof or the ownership, occupancy, or use thereof. 

8. Liens. 

Lessee will not, directly or indirectly, create or permit to be created or to remain, and will promptly discharge, at its expense, any
mortgage, lien, encumbrance, or charge on, pledge of, or conditional sale or other title retention agreement with respect to, the Leased Premises or any part thereof or Lessee’s interest therein or the Basic Rent, additional rent, or other sums
payable by Lessee hereunder, resulting from any act of Lessee without Lessor’s consent. The existence of any mechanics’, laborers’, materialman’s, supplier’s, or vendor’s lien, or any right in respect thereof, shall not
constitute a violation of this paragraph 8 if payment is not yet due upon the contract or for the goods or services in respect of which any such lien has arisen. Notice is hereby given that Lessor will not be liable for any labor, services, or
materials furnished or to be furnished to Lessee, or to anyone holding the Leased Premises or any part through or under Lessee, and that no mechanics’ or other liens for any such labor, services, or materials shall attach to or affect the
interest of Lessor in and to the Leased Premises. 

  
 - 3 -

 9. Indemnification. 

Lessee agrees to pay, and to protect, indemnify, and save Lessor harmless from and against, any and all liabilities, losses, damages,
costs, expenses (including all reasonable attorneys’ fees and expenses of Lessee and Lessor), causes of action, suits, claims, demands, or judgments of any nature whatsoever arising from (i) any injury to, or the death of, any person, or
any damage to property on the Leased Premises or upon adjoining sidewalks, streets, or ways, or in any manner growing out of or connected with the use, non-use, condition, or occupancy of the Leased Premises or any part thereof, or resulting from
the condition thereof (ii) violation of any agreement or condition hereof, and (iii) violation by Lessee of any contract or agreement to which Lessee is a party, or any restriction, statute, law, ordinance, or regulation, in each case
affecting the Leased Premises or any part thereof, or the ownership, occupancy, or use thereof, or (iv) any negligence or tortious act on the part of Lessee or any of its agents, contractors, sublessees, licensees, or invitees. In case any
action, suit, or proceeding is brought against Lessor by reason of any occurrence herein described, Lessee will, at its own expense, defend such action, suit, or proceeding with counsel reasonably acceptable to Lessor. 

10. Maintenance and Repair. 
 (a) Lessee acknowledges that it has received the Leased Premises in good order and condition. Lessee agrees that it will, at its expense, keep and maintain the Leased Premises, including any altered,
rebuilt, additional, or substituted buildings, structures, and other improvements thereto in good repair and appearance, except for ordinary wear and tear, and will with reasonable promptness make all structural and non-structural, foreseen and
unforeseen, and ordinary and extraordinary changes and repairs of every kind and nature which may be required to be made upon or in connection with the Leased Premises or any part thereof in order to keep and maintain the Leased Premises in such
good repair and appearance. Lessor shall not be required to maintain, repair, or rebuild the Leased Premises or any part thereof in any way, or to make any alterations, replacements, or renewals of any nature or description to the Leased Premises or
any part thereof, whether ordinary or extraordinary, structural or non-structural, foreseen or unforeseen. 
 11.
Alterations. 
 (a) Upon receipt of written consent from Lessor, Lessee may, at its expense, make additions to and
alterations of and substitutions and replacements for the buildings, structures, or other improvements to the Leased Premises, provided that (i) the market value of the Leased Premises shall not thereby be lessened, (ii) the foregoing
actions shall be performed in a good and workmanlike manner, and (iii) such additions, alterations, substitutions, and replacements shall be expeditiously completed in compliance with applicable laws, ordinances, orders, rules, regulations, and
requirements. All work done in connection with each such addition, alteration, substitution, or replacement shall comply with the requirements of any insurance policy required to be maintained by the Lessee hereunder. Lessee shall promptly pay all
costs and expenses of, and shall procure and pay for, all permits and licenses required in connection with each such addition, alteration, substitution, or replacement, and shall discharge all liens filed against the Leased Premises arising out of
the same. Title to all such additions, alterations, substitutions, and replacements shall immediately rest in Lessor, and all thereof shall be part of the Leased Premises. 

  
 - 4 -

 (b) Lessee may, at its expense, (i) construct upon the Leased Premises any additional
buildings, structures, or other improvements and (ii) install, assemble, or place upon the Leased Premises any items of machinery or equipment used or useful in Lessee’s business, in each case upon compliance with paragraph 11(a). All such
buildings, structures, and other improvements shall be and remain the property of the Lessor. Such machinery or equipment shall be and remain the property of Lessee. Lessee may remove the same from the Leased Premises at any time prior to the
expiration or earlier termination of the term hereof, provided that Lessee shall be required to repair any damage to the Leased Premises resulting from such removal. 
 12. Condemnation. 
 (a) Subject to the rights of Lessee set forth in this
paragraph 12, Lessee hereby irrevocably assigns to Lessor any award or payment to which Lessee may be or become entitled by reason of any taking of the Leased Premises or any part thereof in or by condemnation or other eminent domain proceedings
pursuant to any law, or by reason of the temporary requisition of the use or occupancy of the Leased Premises or any part thereof by any governmental authority, civil or military, whether the same shall be paid or payable in respect of Lessee’s
leasehold interest hereunder or otherwise. The foregoing is subject to Lessee retaining the right to any award or payment resulting from damages to which Lessee, but not Lessor, is entitled. 

(b) If (i) the entire Leased Premises shall be taken in or by condemnation or other eminent domain proceedings pursuant to any law,
or (ii) any substantial portion of the Leased Premises which is sufficient to render the remaining portion thereof unsuitable for Lessee’s continued use or occupancy shall be taken in or by such proceedings, then Lessee shall, not later
than 30 days after any such taking, give notice to Lessor of its intention to terminate this Lease on any business day specified in such notice which occurs not less than 60 nor more than 120 days after the giving of such notice by Lessee. This
Lease shall terminate on such date, except with respect to obligations and liabilities of Lessee hereunder, actual or contingent, which have arisen on or prior to such date, upon payment by Lessee of all installments of Basic Rent and all other sums
then due and payable under this Lease to and including such termination date. 
 (c) If (i) a portion of the Leased
Premises shall be taken in or by condemnation or other eminent domain proceedings pursuant to any law, general or special, which taking is not sufficient to authorize or require that Lessee give notice of its intention to terminate this Lease as
provided in paragraph 12(b) or (ii) the use or occupancy of the Leased Premises or any part thereof shall be temporarily requisitioned by any governmental authority, civil or military, then this Lease shall continue in full effect without
abatement or reduction of Basic Rent, additional rent, or other sums payable by Lessee hereunder, notwithstanding such taking or requisition. Lessee shall, promptly after any such taking or requisition and at its expense, repair any damage caused by
any such taking or requisition in conformity with the requirements of paragraph 12(a), so that, after the completion of such repair, the Leased Premises shall be, as nearly as possible, in a condition as good as the condition thereof immediately
prior to such taking or requisition, except for ordinary wear and tear. In the event of any such lesser taking in or by condemnation or other eminent domain proceedings, Lessee shall be entitled to receive the Net Award payable in connection with
such taking, but such payment shall be made only against certificates of Lessee, signed by the President or a Vice President of Lessee, delivered to Lessor from time to time as such work of repair progresses or is completed, each such certificate
describing such work of repair for which Lessee is requesting payment, the cost incurred by Lessee in connection therewith, and stating that Lessee has not theretofore received payment for such work of repair. Any proceeds of such award remaining
after the final payment has been made for such work of repair shall be retained by Lessor. If the cost of any repairs required to be made by Lessee pursuant to this paragraph 12(c) shall exceed the amount of such Net Award, the deficiency shall be
paid by Lessor. 

  
 - 5 -

 (d) For the purposes hereof, all amounts payable pursuant to any agreement with any
condemning authority which has been made in settlement of or under threat of any condemnation or other eminent domain proceeding affecting the Leased Premises shall be deemed to constitute an award made in such proceeding. 

13. Insurance. 
 (a) Lessee will maintain, at its expense, insurance on the Leased Premises of the following character: 
 (i) Insurance against loss or damage by fire, lightning, windstorms, flood, hail, explosion, aircraft, smoke damage, vehicle damage, and other risks from time to time included under extended coverage
policies and such other risks as are or shall customarily be insured against with respect to property that is similar to the Leased Premises, in amounts sufficient to prevent Lessor or Lessee from becoming a co-insurer of any loss under the
applicable policies, but, in any event, in amounts not less than the full insurable value of the Leased Premises. The term "full insurable value," as used herein, means actual replacement value less physical depreciation. 

(ii) General public liability insurance against claims for bodily injury, death, or property damage occurring on, in, or about the
Leased Premises and the adjoining streets, sidewalks, and passageways, such insurance to afford protection to Lessor of not less than $ 1,000,000.00 with respect to bodily injury or death to any one person, not less than $ 1,000,000.00 with respect
to any one accident, and not less than $ 300,000.00 with respect to property damage; all such insurance may be maintained under general contractual liability policies, which policies shall cover the obligations of Lessee under paragraph 9 hereof.

 (iii) Worker’s compensation insurance covering all persons employed in connection with any work done on or about the
Leased Premises with respect to which claims for death or bodily injury could be asserted against Lessor, Lessee, or the Leased Premises. 
 (b) The insurance referred to in paragraph 13(a) shall be written by companies of recognized financial standing which are authorized to do an insurance business in the state in which the Leased Premises
are located, and such insurance shall name as the insured parties thereunder Lessor and Lessee, as their interests may appear. Lessor shall not be required to prosecute any claim against, or to contest any settlement proposed by, any insurer,
provided that Lessee may, at its expense, prosecute any such claim or contest any such settlement. In such event, Lessee may bring such prosecution or contest in the name of Lessor, Lessee, or both, and Lessor will join therein at Lessee’s
written request upon the receipt by Lessor of an indemnity from Lessee against all costs, liabilities, and expenses in connection with such prosecution or contest. 
 (c) Every such policy shall contain, to the extent obtainable, an agreement by the insurer that it will not cancel such policy except after 10 days’ prior written notice to Lessor. 

(d) Lessee shall deliver to Lessor promptly after the execution and delivery of this Lease the original or duplicate policies or
certificates of the insurers evidencing all the insurance which is required to be maintained by Lessee hereunder, and Lessee shall, within 30 days prior to the expiration of any such insurance, deliver other original or duplicate policies or other
certificates of the insurers evidencing the renewal of such insurance. Should Lessee fail to effect, maintain, or renew any insurance provided for in this paragraph 13 or pay the premium therefore or deliver to Lessor any of such policies

  
 - 6 -

 
or certificates, then, and in any of said events, Lessor, at its option but without obligation so to do, may, upon 5 days’ notice to Lessee, procure such insurance. Any sums expended by
Lessor to procure such insurance shall be additional rent hereunder and shall be repaid by Lessee within 5 days following the date on which such expenditure shall be made by Lessor. 

(e) Anything contained in this paragraph 13 to the contrary notwithstanding, any and all insurance which Lessee is obligated to carry
under the terms of this Lease may be carried under a blanket policy or policies covering other properties or liabilities of Lessee, provided that such policies specify the portion of the total coverage that is allocated to the Leased Premises;
provided, however, that such insurance satisfies all other requirements of this paragraph 13. 
 14. Casualty.

 (a) If the Leased Premises or any part thereof shall be damaged or destroyed by fire or other casualty, and if the estimated
cost of rebuilding, replacing, and repairing the same shall exceed the limits of the insurance policy required in paragraph 13(a), Lessee shall promptly notify Lessor thereof; and (whether or not such estimated cost shall exceed the insurance policy
limits Lessee shall, with reasonable promptness and diligence, rebuild, replace, and repair any damage or destruction to the Leased Premises, at its expense, in conformity with paragraph 11(a), in such manner as to restore the same to an economic
unit having a fair market value not less than the fair market value of the Leased Premises immediately prior to such damage or destruction. 
 (b) Notwithstanding the provisions of paragraph 14(a), if the Leased Premises shall be substantially damaged or destroyed in any single casualty so that the Leased Premises shall be unsuitable for
restoration for Lessee’s continued use and occupancy in Lessee’s business, then, at Lessee’s option and in lieu of rebuilding, replacing, or repairing the Leased Premises as provided herein, Lessee may give notice to Lessor, within 30
days after the occurrence of such damage or destruction, of Lessee’s intention to terminate this Lease on any business day specified in such notice which occurs not less than 60 nor more than 120 days after the giving of such notice by Lessee.
This Lease shall terminate on such termination date, except with respect to obligations and liabilities of Lessee hereunder, actual or contingent, which have arisen on or prior to such date, upon payment by Lessee of all installments of Basic Rent
and other sums then due and payable under this Lease to and including such termination date. Lessor shall on such date pay over or assign all rights to receive the proceeds of any insurance payable in connection with such damage or destruction to
Lessor. Lessee shall not be responsible for the repair or replacement of the Leased Premises once Lessee has assigned or paid over to Lessor the insurance proceeds. 
 15. Assignment and Subletting. 
 Lessee may sublet up to a total of fifty
percent (50%) of the Leased Premises without the consent of Lessor, and with the consent of Lessor (which consent will not be unreasonably withheld), may sublet the entire Leased Premises, provided that each such sublease shall expressly be
made subject to this Lease. Upon the written consent of Lessor (which consent will not be unreasonably withheld), Lessee may assign the Lease. If Lessee assigns all its rights and interests under this Lease, the assignee under such assignment shall
expressly assume all the obligations of Lessee hereunder in a written instrument (in form and substance acceptable to Lessor) delivered to Lessor at the time of such assignment. No assignment or sublease made as permitted by this paragraph 15 shall
affect or reduce any of the obligations of Lessee hereunder, and all such obligations shall continue in full effect as obligations of a principal, and not as obligations of a guarantor or surety, to the same extent as though no assignment or
subletting had been made. No sublease or assignment made as permitted by this paragraph 15 shall impose any obligations on Lessor, or otherwise affect any of the rights of Lessor under this Lease. Neither this Lease nor the term hereby demised shall
be mortgaged by Lessee, nor shall Lessee mortgage or pledge the interest of Lessee in and to any sublease of the Leased Premises or the 

  
 - 7 -

 
rentals payable thereunder. Any such mortgage, pledge, sublease, or assignment made in violation of this paragraph 15 shall be void. Lessee shall, within 10 days after the execution and delivery
of any such sublease, deliver a conformed copy thereof to Lessor. 
 16. Permitted Contests. 

Lessee shall not be required to (i) pay any tax, assessment, levy, fee, rent, or charge referred to in paragraph 7(a),
(ii) comply with any statute, law, rule, order, regulation, or ordinance referred to in paragraph 7(b), (iii) discharge or remove any lien, encumbrance, or charge referred to in paragraph 8 or 11(a) so long as Lessee shall contest, in good
faith and at its expense, the existence, the amount, or the validity thereof, the amount of the damages caused thereby, or the extent of its liability therefore, by appropriate proceedings which shall operate during the pendency thereof to prevent
(i) the collection of, or other realization upon, the tax, assessment, levy, fee, rent, or charge or lien, encumbrance, or charge so contested, (ii) the sale, forfeiture, or loss of the Leased Premises to satisfy the same or to pay any
damages caused by the violation of any such statute, law, rule, order, regulation, or ordinance (iii) any interference with the use or occupancy of the Leased Premises or any part thereof, and (iv) any interference with the payment of the
Basic Rent or any additional rent or any portion thereof. While any such proceedings are pending, Lessor shall not have the right to pay, remove, or cause to be discharged the tax, assessment, levy, fee, rent, or charge or lien, encumbrance, or
charge thereby being contested. Lessee further agrees that each such contest shall be promptly prosecuted to a final conclusion. Lessee will pay, and save Lessor harmless against, any and all losses, judgments, decrees, and costs (including all
reasonable attorneys’ fees and expenses) in connection with any such contest and will, promptly after the final settlement, compromise, or determination of such contest, fully pay and discharge the amounts which shall be levied, assessed,
charged, or imposed or be determined to be payable therein or in connection therewith, together with all penalties, fines, interests, costs, and expenses thereof or in connection therewith, and perform all acts the performance of which shall be
ordered or decreed as a result thereof. No such contest shall subject Lessor to the risk of any material civil liability or the risk of any criminal liability. During the pendency of any such contest, Lessee agrees to post a bond or other such
surety as may be required by law or reasonably required by Lessor for the full value of the contest amount, or such other amount as may be required by law. 
 17. Default Provision. 
 (a) Any of the following occurrences or acts shall
constitute an event of default under this Lease: (i) if Lessee, at any time during the continuance hereof (and regardless of the pendency of any bankruptcy, reorganization, receivership, insolvency, or other proceedings, in law, in equity, or
before any administrative tribunal, which have or might have the effect of preventing Lessee from complying herewith), shall (1) fail to make any payment of Basic Rent, additional rent, or other sum herein required to be paid by Lessee, and
Lessee shall fail to make any such payment for a period of 5 days after delivery by Lessor of written notice to Lessee that any such payment has become due, or (2) fail to observe or perform any other provision hereof for 30 days after Lessor
shall have delivered to Lessee notice of such failure (provided that in the case of any default referred to in this clause (2) which cannot with diligence be cured within such 30-day period, if Lessee shall proceed promptly to cure the same and
thereafter shall prosecute the curing of such default with diligence, then upon receipt by Lessor of a certificate from the President or a Vice President of Lessee stating the reason that such default cannot be cured within 30 days, and stating that
Lessee is proceeding with diligence to cure such default, the time within which such failure may be cured shall be extended for such period as may be necessary to complete the curing of the same with diligence); or (ii) if Lessee shall file a
petition in bankruptcy or for reorganization or for an arrangement pursuant to any present or future federal or state bankruptcy law or under any similar federal or state law, or shall be adjudicated a bankrupt or insolvent

  
 - 8 -

 
or shall make an assignment for the benefit of its creditors or shall admit in writing its inability to pay its debts generally as they become due, or if a petition or answer proposing the
adjudication of Lessee as a bankrupt or its reorganization under any present or future federal or state bankruptcy law or any similar federal or state law shall be filed in any court and such petition or answer shall not be discharged or denied
within 120 days after the filing thereof, or (iii) if a receiver, trustee, or liquidator of Lessee or of all or substantially all of the assets of Lessee or of the Leased Premises shall be appointed in any proceeding brought by Lessee, or if
any such receiver, trustee, or liquidator shall be appointed in any proceeding brought against Lessee and shall not be discharged within 120 days after such appointment, or if Lessee shall consent to or acquiesce in such appointment, or (iv) if
the Leased Premises shall have been abandoned. 
 (b) If an event of default shall have happened and be continuing, Lessor shall
have the right, at its election, then, or at any time thereafter while such event of default shall continue, to give Lessee written notice of Lessor’s intention to terminate the term of this Lease on a date specified in such notice. Upon the
giving of such notice, the term hereof and the estate hereby granted shall expire and terminate on such date as fully and completely and with the same effect as if such date were the date hereinbefore fixed for the expiration of the term hereof, and
all rights of Lessee hereunder shall expire and terminate, but Lessee shall remain liable as hereinafter provided. 
 (c) If an
event of default shall have happened and be continuing, Lessor shall have the immediate right, whether or not the term hereof shall have been terminated pursuant to paragraph 17(b), to re-enter and repossess the Leased Premises or any part thereof
by force, summary proceedings, ejectment, or otherwise, and the right to remove all persons and property therefrom. Lessor shall be under no liability for or by reason of any such entry, repossession, or removal. No such re-entry or taking of
possession of the Leased Premises by Lessor shall be construed as an election on Lessor’s part to terminate the term hereof, unless a written notice of such intention be given to Lessee pursuant to paragraph 17(b), or unless the termination
hereof be decreed by a court of competent jurisdiction. 
 (d) At any time or from time to time after the repossession of the
Leased Premises or any part thereof pursuant to paragraph 17(c), whether or not the term hereof shall have been terminated pursuant to paragraph 17(b), Lessor may (but shall be under no obligation to) relet the Leased Premises or any part thereof
for the account of Lessee, in the name of Lessee or Lessor or otherwise, without notice to Lessee, for such term or terms (which may be greater or less than the period which would otherwise have constituted the balance of the term of this Lease) and
on such conditions (which may include concessions or free rent) and for such uses as Lessor, in its absolute discretion, may determine, and Lessor may collect and receive any rents payable by reason of such reletting. Lessor shall not be responsible
or liable for any failure to relet the Leased Premises or any part thereof or for any failure to collect any rent due upon any such reletting. 
 (e) No expiration or termination of the term hereof pursuant to paragraph 17(b), by operation of law or otherwise, and no repossession of the Leased Premises or any part thereof pursuant to paragraph
17(c) or otherwise, and no reletting of the Leased Premises or any part thereof pursuant to paragraph 17(d), shall relieve Lessee of its liabilities and obligations hereunder, all of which shall survive such expiration, termination, repossession, or
reletting. 
 (f) In the event of any expiration or termination of this Lease or repossession of the Leased Premises or any part
thereof by reason of the occurrence of an event of default, Lessee will pay to Lessor the Basic Rent, additional rent, and other sums required to be paid by Lessee to and including the date of such expiration, termination, or repossession; and,
thereafter, Lessee shall, until the end of what would have been the term hereof in the absence of such expiration, termination, or repossession, and whether or not the Leased Premises or any part thereof shall have been relet, be liable to Lessor
for, and shall pay to Lessor, 

  
 - 9 -

 
as liquidated and agreed current damages: (i) the Basic Rent, additional rent, and other sums which would be payable hereunder by Lessee in the absence of such expiration, termination, or
repossession, less (ii) the net proceeds, if any, of any reletting effected for the account of Lessee pursuant to paragraph 17(d), after deducting from such proceeds all Lessor’s expenses in connection with such reletting (including,
without limitation, all repossession costs, brokerage commissions, legal expenses, attorneys’ fees, employees’ expenses, alteration costs, and expenses of preparation for such reletting). Lessee will pay such current damages on the days on
which the Basic Rent would have been payable hereunder in the absence of such expiration, termination, or repossession, and Lessor shall be entitled to recover the same from Lessee on each such day. 

18. Additional Rights of Lessor. 
 (a) No right or remedy herein conferred upon or resetted to Lessor is intended to be exclusive of any other right or remedy, and each and every right and remedy shall be cumulative and in addition to any
other right or remedy given hereunder or now or hereafter existing at law or in equity or by statute. The failure of Lessor to insist at any time upon the strict performance of any covenant or agreement, or to exercise any option, right, power, or
remedy contained herein shall not be construed as a waiver or a relinquishment thereof for the future. A receipt by Lessor of any Basic Rent, any additional rent, or any other sum payable hereunder with knowledge of the breach of any covenant or
agreement contained herein shall not be deemed a waiver of such breach, and no waiver by Lessor of any provision hereof shall be deemed to have been made unless expressed in writing and signed by Lessor. In addition to other remedies provided
herein, Lessor shall be entitled, to the extent permitted by law, to injunctive relief in case of the violation, or attempted or threatened violation, of any of the covenants, agreements, conditions, or provisions of this Lease, or to a decree
compelling performance of any of the covenants, agreements, conditions, or provisions of this Lease, or to any other remedy allowed to Lessor at law or in equity. 
 (b) The Parties waive a trial by jury in any litigation between Lessor and Lessee with respect to the Lease. In any suit under this Lease, there shall be allowed to the prevailing party, to be included in
any judgment recovered, or relief granted, reasonable attorney’s fees and costs of suit, including bankruptcy and appellate proceedings. If Lessor shall, without fault on its part, be made a party to any litigation commenced against Lessee,
Lessee shall pay all costs and reasonable attorneys’ fees incurred in connection with such litigation. 
 19. Notices,
Demands, and Other Instruments. 
 All notices, demands, requests, consents, approvals, and other instruments required or
permitted to be given pursuant hereto shall be given in writing and shall be deemed to have been properly given if (a) with respect to Lessee, sent by registered mail, postage prepaid, addressed to Lessee at its address first above set forth,
and (b) with respect to Lessor, sent by registered mail postage prepaid addressed to Lessor at its address first above set forth. Lessor and Lessee shall each have the right from time to time to specify as its address for purposes of this Lease
any other address in the United States of America upon giving 15 days’ written notice thereof, similarly given, to the other party. 
 20. Estoppel Certificate. 
 Lessee will, at any time and from time to time,
upon not less than 20 days’ prior request by Lessor, execute, acknowledge, and deliver to Lessor a statement in writing, executed by the President or any Vice President of Lessee, certifying that this Lease is unmodified and in full effect (or,
if there have been modifications, that this Lease is in full effect as modified, and setting forth such modifications) and the dates to which the Basic Rent, additional rent, and other sums payable hereunder have been paid, and either stating that
to the knowledge of the signer of such certificate, no default exists hereunder, or specifying each such default of which the signer may have knowledge; it being intended that any such statement by Lessee may be relied upon by the Mortgagee or by
any prospective purchaser of the Leased Premises. 

  
 - 10 -

 21. Removal of Trade Fixtures. 

If no default or event of default hereunder has happened and is continuing, Lessee may, at any time during the term hereof, remove from
the Leased Premises any trade fixtures, machinery, or equipment belonging to Lessee or third parties, provided that Lessee shall repair any damage to the Leased Premises caused by such removal. 

22. Surrender. 
 Upon the expiration or earlier termination hereof, Lessee shall peaceably leave and surrender the Leased Premises to Lessor in the same condition in which the Leased Premises were originally received from
Lessor at the commencement of the term hereof, except as repaired, rebuilt, restored, altered, or added to as permitted or required hereby, and except for ordinary wear and tear. Lessee shall remove from the Leased Premises, on or prior to such
expiration or earlier termination, all property situated thereon which is not owned by Lessor, and, at its expense, on or prior to such expiration or earlier termination, shall repair any damage caused by such removal. Property not so removed shall
become the property of Lessor, and Lessor may thereafter cause such property to be removed from the Leased Premises and disposed of, but the cost of any such removal and disposition, and the cost of repairing any damage caused by such removal, shall
be borne by Lessee. 
 23. Separability. 
 Each and every covenant and agreement contained herein is or shall be construed to be a separate and independent covenant and agreement, and the breach of any such covenant or agreement by Lessor shall
not discharge or relieve Lessee from its obligations to perform the same. If any term or provision hereof, or the application thereof to any person or circumstances, shall be invalid and unenforceable, the remainder of this Lease, or the application
of such term or provision to persons or circumstances other than those as to which it is invalid or unenforceable, shall not be affected thereby, and each term and provision hereof shall be valid and shall be enforced to the extent permitted by law.

 24. Binding Effect. 
 All of the covenants, conditions, and obligations contained herein shall be binding upon and inure to the benefit of the respective successors and assigns of Lessor and Lessee to the same extent as if
each such successor and assign were in each case named as a party hereto. This Lease may not be changed, modified, or discharged except by a writing signed by Lessor and Lessee. 

25. Headings. 
 The headings to the various paragraphs hereof have been inserted for reference only and shall not to any extent have the effect of modifying, amending, or changing the expressed terms and provisions
hereof. 
 26. Governing Law. 
 This Lease shall be governed by and interpreted under the laws of Florida and venue shall only be proper in Lake County, Florida. 

 

 

 

 

 Schedule “A” 
 PARCEL NO. 1: 
 That part of Mount Homer Subdivision according to the plat .thereof, as recorded
in Plat Book 2, Page 29, Public Records of Lake County, Florida, bounded and described as follows: from the West 1/4 Corner of Section 22, Township 19 South, Range 26 East, in Lake County, Florida; run North 00 degrees 27 minutes 22 seconds
East along the West line of the NW 1/4 of said Section 22 a distance of 132 feet to a point on the North right-of-way line of U.S. Highway No, 441; Thence North 89 degrees 38 minutes 00 seconds East along said North right-of-way line 410.72
feet to a point on the Southeasterly right-of-way line of the Atlantic Coastline Railroad for the Point of Beginning; thence continue North 89 degrees 38 minutes 00 seconds East along the North right-of-way line of U.S. Highway 441 a distance of
383.24 feet; thence North 00 degrees 22 minutes 00 seconds West 454.66 feet to a point on the aforementioned Southeasterly right-of-way line of Atlantic Coastline Railroad; thence South 39 degrees 45 minutes 40 seconds West along said Southeasterly
right-of-way line 594.63 feet to the Point of beginning. 
 LESS THE FOLLOWING: 
 Those portions of George’ M. Bowen At Mount Homer Subdivision, as recorded in Plat Book 2, Page 29, Public Records of Lake County, Florida, and the NW1/4 of Section 22, Township 19 South, Range
26 East, Lake County, Florida, described as follows: 
  

	 	•	 	 Commence at a nail and disk marked."LB 2168" at the West 1/4 corner of aforesaid Section 22; Thence along the West line of the NW 1/4 of
Section 22 run North 00 degrees 24 minutes 00 seconds West 132.00 feet to the North right-of-way line of State Road 19 (U.S. Highway 441); Thence along said right- of-way line run North 89 degrees 38 minutes 00 seconds East 792.88 feet (793.96
feet-deed); Thence run North 00 degrees 15 minutes 27 seconds West (North 00 degrees 22 minutes 00 seconds West- deed), 250.00 feet to the point of beginning; Thence continue North 00 degrees 15 minutes 27 seconds West 204.64 feet to the
Southeasterly right-of-way line of Atlantic Coastline Railroad; Thence along said right-of-way line run South 39 degrees 51 minutes 19 seconds West 268.01 feet to a point that bears South 89 degrees 38 minutes 00 seconds West of the point of
beginning; Thence run North 89 degrees 38 minutes 00 seconds East 172.68 feet to the point of beginning. 

 PARCEL NO. 2:

 An easement for ingress and egress over, across and upon the following described tract of land: That part of Block 13 according to the map of
(and of George W. Bowen at Mount Homer, a subdivision in the City of Eustis, Florida, recorded in Plat Book 2, Page 29, Public Records of Lake County, Florida, bounded and described as follows: From the Southwest corner of the Northwest Quarter (NW
1/4) of Section 22, Township 19 South, Range 26 East, in Lake County, Florida, run North 0 degrees 27 minutes 22 seconds East along the West line of said Section 22 a distance of 132 feet to the North line of the right of way of State Road
No. 19 (U.S. Highway No. 441); Thence North 89 degrees 38 minutes 00 seconds East along the North line of said right of way 410.72 feet to the Southeasterly line of the right of way of the Seaboard Coast Line Railroad; Continue thence
North 89 degrees 38 minutes 00 seconds East along the North line of the right of way of State Road No. 19 a distance of 383.24 feet to the point of beginning of this description; from said point of beginning run North 0 degrees 22 minutes 00
seconds West 64 feet; Thence North 89 degrees 38 minutes 00 seconds East 230 feet; Thence South 0 degrees 22 minutes 00 seconds East 64 feet to the North line of the right of way of State Road No. 19; Thence South 89 degrees 38 minutes 00
seconds West along said North line 230 feet to the point of beginning. 

  
 - 14 -

 Schedule “B” 

Year Space Annual Sq. I Annual Rent Monthly Basic Rent (plus tax) Size Rate 

 

									
	1	 	4,699	 	$13.62	 	$64,000.00	 	$5,333.33
	2	 	4,699	 	$14.16	 	$66,560.00	 	$5,546.67
	3	 	4,699	 	$14.73	 	$69,222.40	 	$5,768.53
	4	 	4,699	 	$15.32	 	$71,991.30	 	$5,999.27
	5	 	4,699	 	$15.93	 	$74,870.95	 	$6,239.25
	6	 	4,699	 	$16.57	 	$77,865.79	 	$6,488.82
	7	 	4,699	 	$17.23	 	$80,980.42	 	$6,748.37
	8	 	4,699	 	$17.92	 	$84,219.63	 	$7,018.30
	9	 	4,699	 	$18.64	 	$87,588.42	 	$7,299.03
	10	 	4,699	 	$19.39	 	$91,091.96	 	$7,591.00Amendment to Sub-Lease

 Exhibit 10.27 
 AMENDMENT AND RESTATEMENT OF 
 LEASE AGREEMENT 

THIS AGREEMENT, made effective as of the Is1 day of August, 2010, by and between MORSE BOULEVARD DEVELOPMENT ASSOCIATES, LLC, a Florida limited liability company,
successor in interest to Morse Boulevard Development Associates, a Florida genera! partnership, (“Landlord”), and BANKJTRST, a Florida banking corporation (“Tenant”). 

RECITALS: 
 A.
Landlord and Tenant entered into that certain Lease dated August 20, 2002 being thereafter amended by that certain Second Lease Amendment dated November 21, 2006, being thereafter amended by that certain Second Lease Extension dated
August 29, 2007, being further amended by that certain Third Lease Amendment dated February 27,2008 (collectively, the “Lease”); and 
 B. Landlord and Tenant entered into a second Lease dated January 31, 2006 being thereafter amended by that certain First Lease Amendment dated February 2, 2009, being thereafter amended by that
certain Second Lease Amendment dated February 1,2010 (collectively, the “Second Lease”); and 
 C. Landlord,
Tenant and Commercial Business Finance Corporation (“Sub-Tenant”) entered into a Sub-Lease dated December    , 2006 (“Sub-Lease”) with respect to Suite 140. Landlord and Tenant desire to include in this
instrument certain provisions affecting rental rate and lease term with respect to the Sub-Lease which shall be ratified by Sub-Tenant via separate instrument; and 
 D. Landlord and Tenant desire to merge the Lease and the Second Lease and to thereafter amend and restate the Lease, Second Lease and the Sub-Lease in their entirety as follows. 

NOW THEREFORE, in the consideration of the sum of Ten Dollars ($10.00) and other good and valuable consideration paid by Tenant to
Landlord, the receipt and sufficiency of which is hereby acknowledged, the Lease, the Second Lease and the Sub-Lease are hereby merged and restated in their entirety to read as follows: 

1, Basic Lease Provisions 
 The following (along with attached exhibits) are certain basic lease provisions, which are a part of, and in certain instances referred to in, subsequent provisions and exhibits of this Lease: 

 

					
	(a)	  	Date of this Lease:	  	August 1, 2010
			
	(b)	  	Landlord:	  	Morse Boulevard Development Associates, LLC, a Florida limited liability company
			
	(C)	  	Tenant:	  	BankFIRST, a Florida banking corporation
			
	(d)	  	Demised Premises:	  	See Exhibit “B”
			
	(e)	  	Commencement Date:	  	August 1, 2010
			
	(f)	  	Expiration Date:	  	
			
		  	Option to Renew:	  	This Lease shall terminate on July 31, 2020 unless earlier terminated pursuant to the terms and conditions of this lease. Landlord grants to Tenant two (2) options to renew
this

					
		  		  	Lease as follows: (1) For one two (2) year term; and (2) for one additional five (5) year term. Tenant shall provide six months advance written notice to Landlord of its intent
to extend the term of this Lease. The Basic Rental and any additional rent for any renewal term shall be the fair market rental value for similar properties similarly situated at the time of the commencement of a renewal term.
			
	(g)	  	Basic Rental:	  	The Basic Rental as outlined in Paragraph 5.1 during the term of this Lease shall be payable according to the following Schedule:

 

									
	 Period
	  	Annual Rent *	 	  	 Monthly

Rent *
	 
	 Months 1 -   12
	  	$	549,225.50	  	  	$	45,768.79	  
	 Months 13   24
	  	$	565,702.27	  	  	$	47,141.86	  
	 Months 25   36
	  	$	582,673.33	  	  	$	48,556.11	  
	 Months 37   48
	  	$	600,153.53	  	  	$	50,012.79	  
	 Months 49   60
	  	$	618,158.14	  	  	$	51,513.18	  
	 Months 61   72
	  	$	636,702.88	  	  	$	53,058.57	  
	 Months 73   84
	  	$	655,803.97	  	  	$	54,650.33	  
	 Months 85   96
	  	$	675,478.09	  	  	$	56,289.84	  
	 Months 97  108
	  	$	695,742.43	  	  	$	57,978.54	  
	 Months 109 - 120
	  	$	716,614.70	  	  	$	59,717.89	  

 *Exclusive of
Florida sales or use tax which shall payable by Tenant in addition to the Basic Rental amounts. Annual increases in the above schedule are based on a 3% per year escalator. 

See Exhibit “D” attached hereto for additional information. 

 

					
	(h)	 	Tenant’s Share:	  	The percentage obtained by dividing the number of gross leasable square feet in the Demised Premises from time to time, by the total gross leasable square feet in the Development
from time to time. (Tenant’s share is estimated to be 18,135/47,607 = 38%). Given that Tenant is the only occupant of the Building that benefits from the drive-thru and ATM machine, an additional three percent (3%) shall be added to
Tenant’s Share resulting in an aggregate percentage of 41% as and for Tenant’s Share.
			
	(i)	 	Tenant’s Use:	  	General office and banking operation
			
	(j)	 	 Tenant’s Address for

Notices
	  	 1031 W. Morse Boulevard, Suite 323
 Winter Park, FL 32789
 Attn: Thomas P. Abelmann

			
	(k)	 	Landlord’s Address	  	 1031 W. Morse Boulevard, Suite 230
 Winter Park, FL 32789
 Attn: Lesley Moulton

			
	(l)	 	Security Deposit	  	None

 2. Building and Demised Premises 

2.1 Landlord, is the owner of certain real estate interests and improvements as more particularly described on Exhibit “A”
hereto located in the City of Winter Park, Orange Comity, Florida, upon which Landlord has constructed a building (hereinafter referred to as the “Building”), consisting of three stories, together with certain interior and exterior common
and public areas and facilities (hereinafter referred to as “Common Areas”), including the use of parking (hereinafter referred to as “Parking Areas”) as may be designated by Landlord for use by tenants of the Building, and their
employees, guests, customers or prospective customers, agents and invitees. The Building, Parking Areas and all Common Areas and appurtenances are hereinafter collectively referred to as die “Development”. The Development shall be named by
Landlord in Landlord’s sole discretion; however, during the term of this Lease the Building shall continue to be named The BankFIRST Building. Tenant shall be granted the right to utilize its proportionate share of the Parking Areas on a
non-exclusive, non-designated basis, all ‘without additional charge to Tenant Landlord shall not be responsible for policing the exclusivity or allocation of parking spaces or areas. 

2.2 Subject to the terms, covenants, agreements and conditions herein set forth, Landlord hereby leases to Tenant, and Tenant hereby
leases from Landlord, those certain premises (herein referred to as. the “Demised Premises”) designated in Section 1(d) hereof, as shown on the floor plan(s) attached hereto as Exhibit “B”, together with the nonexclusive
right to use the Common Areas and with the right to use the Parking Areas as provided herein. 
 2.3 Landlord reserves
(a) the right from time to time to make changes, alterations, additions, improvements, repairs or replacements in or to the Development (including the Demised Premises) and the fixtures and equipment thereof, as well as in or to the street
entrances, the Building, halls, passages, elevators, escalators, stairways and other parts of the Building, and to erect, maintain, and use pipes, ducts and conduits in and through the Development, all as Landlord may reasonably deem necessary or
desirable, but not in a way so as to adversely and materially affect Tenant or Tenant’s access to the Demised Premises; and (b) the right to eliminate, substitute and/or rearrange the Development (including, without limitation, the
Building, Common Areas and Parking Areas) as Landlord deems appropriate in its discretion, bat not in a way so as to adversely and materially affect Tenant’s nonexclusive right to utilize the Common Areas and Parking Areas. Tenant’s
nonexclusive right to utilize the Common Areas and Parking Areas (except as provided herein) shall be in common with Landlord, other tenants and occupants of the Building and others to whom Landlord grants such rights from time to time. 

3. Term and Options to Renew 
 3.1 The initial Term of this Lease shall commence on that date (hereinafter referred to as the “Commencement Date”) and, unless sooner terminated as hereinafter provided, shall end on the
“Expiration Date” set forth in Section 1(f) hereof. 
 3.2 Provided this Lease is in full force and effect and
Tenant is not in default of any provisions of this Lease, and Tenant has not been in default of the Lease more than three (3) times during the immediate proceeding Term, Landlord grants to Tenant the right to extend this Lease for those periods
set forth in Section 1 (f) hereof under the same terms conditions as the initial Term subject only to the annual changes to Basic Rental and additional charges contemplated in this Lease. If Tenant elects to exercise its option to extend
this Lease, Tenant shall notify Landlord in writing at least six (6) months prior to the end of the then current Term . If this Lease is terminated during the initial Term or any extensions thereof for any reason whatsoever, Tenant shall have
no farther rights to extend this Lease. 

  
 2 

 4. Tenant Improvements 
 Landlord shall, at Tenant’s option, pay to Tenant the sum of Two Hundred Nineteen Thousand Two Hundred Sixty Dollars ($219,260)(Tenant Allowance) for Tenant Improvements made by the Tenant subject to
the provisions of Section 9 herein within 15 days of Tenants written request which shall include proof of the completion of the work as well as the cost thereof. The Tenant may use all or a portion of the Tenant Allowance for Tenant
Improvements, Alternatively, at the Tenant’s option, the Tenant may request in writing to apply a portion or all of the Tenant Allowance to the rent due under this lease. 
 In all other respects, Tenant accepts the Demised Premises in “AS IS” condition. 
 THE
BALANCE OF THIS PAGE INTENTIONALLY LEFT BLANK 

  
 3 

 5. Rental 
 5.1 Tenant shall pay to Landlord as rental for the Demised Premises tlie Basic Rental set forth in Section 1(g) hereof, plus any increases thereto pursuant to this Section 5 and the other
provisions of this Lease, all of which shall be payable in equal monthly installments in advance- 
 5.2 The following terms
shall have the following meanings: 
 (a) The term “Expenses” shall mean the actual cost incurred by
Landlord with respect to the operation, maintenance, repair, replacement and administration of the Development (including expenses incurred with respect to the Building, Common Areas and Parking Areas), including, without limitation to duplication,
(1) die costs incurred for air conditioning; mechanical; ventilation; heating; cleaning (including janitorial services); rubbish removal; general landscaping and maintenance; striping; window washing; elevators; escalators; electric current;
all parking fees and rents; license payments of any kind; management fees; protection and security services; repairs, replacement and maintenance; fire, extended coverage, boiler, sprinkler, apparatus, public liability and property damage insurance
(including loss of rental income insurance); supplies; wages; salaries; disability benefits; pensions; hospitalization; retirement plans and group insurance respecting service and maintenance employees and management staff; accounting and
administrative staff; uniforms and working clothes for such employees and the- cleaning thereof; expenses imposed pursuant to any collective bargaining agreement -with respect to such employees; payroll, social security, unemployment and other
similar taxes with respect to such employees and staff; sales, use and other similar taxes; water rates and sewer charges; personal property taxes; advertising, public relations and promotions; depreciation of movable equipment and personal
property, which is, or should be, capitalized on the books of Landlord, and the cost of movable equipment and personal property, which need not be so capitalized, as well as the cost of maintaining all such movable equipment (provided, however, that
only movable equipment and personal property used exclusively at the Development or the allocable percentage of such depreciation and costs based upon its time of usage at the Development versus its usage elsewhere, shall be included); and any other
costs, charges and expenses which, under generally accepted accounting principles and practices, would be regarded as maintenance and operating expenses with respect to the Development; and (2) the cost of any capital improvements made to the
Building by Landlord after the Commencement Date that are intended to reduce other Expenses, to maintain, improve or otherwise benefit the Building (but not to enlarge the Building) or made to the Building by Landlord after the date of this Lease
that are required under any governmental law or regulation that was not applicable to the Building at the time it was constructed, such cost to be amortized over the tax period as Landlord shall determine, together with interest on the unamortized
balance at the rate of the then current “prime rate” reported in The Wall Street Journal (as defined in Section 5.7 hereof) or such lower rate as may have been paid by Landlord on funds borrowed for the purpose of constructing such
capital improvements. Expenses shall not include “Taxes,” as defined in Section 5.2(b) hereof; depreciation on the Building other than depreciation on standard exterior window coverings provided by Landlord; costs of services or
repairs, replacements and maintenance which are paid for by proceeds of insurance, by other tenants (in a manner other than as provided in Section 5.3 hereof), to third parties; tenant improvements, real estate brokers’ commissions,
interest and capital items other than replacements and those referred to in clause (2) above. 
 The
Expenses shall be adjusted to equal Landlord’s reasonable estimate of Expenses had the total leasable area of the Building been occupied and had the total leasable area of the Building been furnished all services. 

(b) The term “Taxes” shall mean the amount incurred by Landlord for all ad valorem real property taxes and
assessments (which shall be limited to only installments of assessments which shall be due during the term of this Lease and any extension thereof), special or otherwise, levied upon or with respect to the Development, or the rent and
additional charges payable hereunder, imposed by any taxing authority having jurisdiction. Taxes shall also include all taxes, levies and charges which may be assessed, levied or imposed in replacement of, or in addition to, all or any part of ad
valorem real property taxes as revenue sources, and which in whole or in part are measured or calculated by or based upon the 

  
 4 

 
Development, the freehold and/or leasehold estate of Landlord or Tenant, or the rent and other charges payable hereunder. Taxes shall include any reasonable expenses and attorneys’ fees
incurred by Landlord in determining or attempting to obtain a reduction of Taxes. In the event any tax, however described, is levied or assessed directly against Tenant by any lawful taxing authority on account of Tenant’s interest in this
Lease or the leasehold estate hereby created or the rents to be paid by Tenant hereunder, then Tenant shall be responsible therefor and agrees to pay the same before delinquency. Should any lawful taxing authority require that any tax, however
described, for which Tenant is responsible hereunder, other than the real property taxes levied or assessed against the Development, be paid by Tenant but collected by Landlord for and on behalf of such taxing authority, then the same shall be paid
by Tenant to Landlord at such times as such taxing authority shall require and be collectible by Landlord and the payment thereof enforced in the same fashion as provided for the enforcement of the payment of additional rent hereunder. 

(c) The term “Tenant’s Share” shall mean the percentage set forth in Section 1 (h) hereof.
Tenant’s Share has been computed on the basis of the gross square foot area of the Building (including the Demised Premises). Tenant’s Sham shall be adjusted from time to time if additional premises are added Co the Demised Premises.

 5.3 (a) Based on the Development’s actual 2012 Expenses and Taxes, in subsequent year is, Tenant; shall pay to
Landlord as permitted pass through charges, Tenant’s share of Expenses and Taxes which cumulatively exceed the actual 2012 Expenses and Taxes for the entire Development in the manner and at the times herein provided. Prior to
January 1,2013, there shall be no additional payment by Tenant for Expenses and Taxes. 
 (b) With respect to Expenses,
prior to the Commencement Date and prior to the beginning of each fiscal year of Landlord thereafter, or as soon thereafter as practicable, Landlord shall give Tenant notice of Landlord’s estimate of Tenant’s Share of Expenses for the
ensuing fiscal year. With respect to Taxes, prior to the Commencement Date and prior to the beginning of each calendar year thereafter, or as soon thereafter as practicable, Landlord shall give Tenant notice of Landlord’s estimate of
Tenant’s Share of Taxes for the ensuing calendar year. On or before the first day of each month during the ensuing fiscal year and calendar year, respectively, Tenant shall pay to Landlord one-twelfth (l/12th) of Tenant’s Share of such
estimated amounts, which collectively exceed the actual 2001 Expenses and Taxes provided that until such notice is given with respect to the ensuing fiscal or calendar year, as the case may be, Tenant shall continue to pay the amount currently
payable pursuant hereto until after the month such notice is given. If at any time or times (including, without limitation, upon Tenant taking occupancy of the Demised Premises) it appears to Landlord that Tenant’s Share of Expenses or
Tenant’s Share of Taxes for the then current fiscal or calendar year, as the case may be, will vary from Landlord’s estimate by more than five percent (5%), Landlord may, by notice to Tenant, revise its estimate for such year and
subsequent payments by Tenant for such year shall be based upon such revised estimate. 

  
 5 

 Within ninety (90) days after the close of each fiscal year of Landlord with respect to
Expenses, and within ninety (90) days after the close of each calendar year with respect to Taxes, or as soon after such ninety (90) Day period as is practicable, Landlord shall deliver to Tenant a statement prepared by Landlord of
Tenant’s Share of Expenses and Taxes, respectively, for such fiscal year and calendar year, respectively. If on the basis of such statement, Tenant owes an amount that is more than the estimated payments for such fiscal year, Tenant shall pay
the deficiency to Landlord within seven (7) days after delivery of such statement If on the basis of such statement, Landlord owes Tenant a reimbursement, Landlord shall pay the reimbursement to Tenant within seven (7) days after delivery
of such statement. 
 (c) If this Lease shall commence on a day other than the first day of Landlord’s fiscal year or
terminate on a day other than the last day of Landlord’s fiscal year, Tenants share of Expenses that is applicable to Landlord’s fiscal year in which such commencement or termination shall occur shall be appropriately prorated. If this
Lease shall commence on a day other than the first day of a calendar year ox terminate on a day other than the last day of a calendar year, Tenant’s Share of Taxes that is applicable to the calendar year in which such commencement or
termination shall occur shall be appropriately prorated. 
 5.4 The installment of the Basic Rental provided for in
Section 1(g) hereof for the first full month of the Team shall be paid by Tenant to Landlord on the first day of the first month. Basic Rental shall be paid to Landlord on or before the first day of each and every successive calendar month in
advance after the first month during the Term in which Basic Rental is paid. In the event the Commencement Date is other than the first day of a calendar month, or the Expiration Date is other than the last day of a calendar month, then die monthly
Basic Rental for the first and last fractional months of the Term shall be appropriately prorated. 
 5.5 Tenant shall pay to
Landlord each month, together with each installment of the Basic Rental, a sum equal to all Florida sales, use or other tax now or hereafter imposed and/or assessed upon the rents, expenses, reimbursements, consideration and other payments to be
received by Landlord for, under or in connection with this Lease, notwithstanding that such statute, ordinance or enactment imposing same may endeavor to impose such tax on Landlord. 

5.6 For purposes of establishing Landlord’s remedies hereunder, Tenant shall pay as additional rental any money and charges required
to be paid by Tenant pursuant to the terms of this Lease, whether or not the same may be designated “additional rent” 

5.7 Except as above provided, rental and additional rental shall be paid to “Landlord without notice or demand and without deduction
or offset, in lawful money of the United States of America at Landlord’s address for notices hereunder or to such other person or at such other place as Landlord may from, time to time designate in writing. All amounts payable by Tenant to
Landlord hereunder, if not paid when due, shall bear interest from the fifteenth day after their due date until paid at the rate equal to the then current “prime rate” as reported in The Wall Street journal, but not in excess of the
highest rate permitted by law. Such prime rate shall be the rate announced by such Bank as its “prime rate”; if no such prime rate is announced, the prime rate shall be deemed to be twelve percent (12%). In addition a late charge of
$250.00 shall be paid by Tenant to Landlord to defer Landlord’s cost of processing late payments not made within 15 days of its due date. 

  
 6 

 6. Other Taxes Payable by Tenant 

In addition to the monthly rental and other charges to be paid by Tenant hereunder, Tenant shall reimburse Landlord upon demand for any
and all taxes payable by Landlord (other than net income taxes and taxes included within Taxes) whether or not now customary or within the contemplation of the parties hereto: (a) upon, measured by or reasonably attributable to the cost or
value of Tenant’s equipment, furniture, fixtures and other personal property located in the Demised Premises or by the cost or value of any other than building standard tenant improvements made by Landlord, regardless of whether tide to such
improvements shall be in Tenant or Landlord; (b) upon or with respect to the possession, leasing, operation, management, maintenance, alteration, repair, use or occupancy by Tenant of the Demised Premises or any portion thereof; and
(c) upon this transaction or any document to which Tenant is a party creating or transferring an interest or an estate in the Demised Premises. In the event that it shall not be lawful for Tenant so to reimburse Landlord, the monthly rental
payable to Landlord under this Lease shall be revised to net to Landlord the same rental after imposition of any such tax upon Landlord as would have been payable to Landlord prior to the imposition of any such tax. 

7. Use 
 7.1 The Premises
shall be used only for the purposes of “Tenant’s Use” as set forth in Section l(i) hereof, and for no other purpose or purposes whatsoever. 
 7.2 Tenant shall not do or permit to be done in or about the Demised Premises, nor bring or keep or permit to be brought or kept therein, anything which is prohibited by or will in any way conflict with
any law, statute, ordinance or governmental rule or regulation now in force or which may hereafter be enacted or promulgated, or which is prohibited by the standard form of fire insurance policy, or will in any way increase the existing rate of or
affect any fire or other insurance upon the Development or any of its contents, or cause a cancellation of any insurance policy coveting the Development or any part- thereof or any of its contents, or adverse!}’ affect or interfere with any
services required to be furnished by Landlord to Tenant, or to any other tenants or occupants of the Building, or with the proper and. economical rendition of any such service. Tenant shall not do or permit anything to be done in or about the
Demised Premises which will in any way obstruct or interfere with the rights of other tenants of the Building, or injure or annoy them, or use or allow the Demised Premises to be used for any improper, immoral, unlawful or objectionable purpose, nor
shall Tenant cause, maintain or permit any nuisance in, on or about the Demised Premises. 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 Demised Premises shall
cause the rate of fire or other insurance on the Development in companies acceptable to Landlord to be increase beyond the minimum rate from time to time applicable to the Building when used for its intended purposes, Tenant shall pay the amount of
any such increases. 
 7.3 Tenant shall, throughout the entire term of this Lease and during any extension hereof, occupy and
use the entire Demised Premises for general office and banking operation purposes. 
 8. Services 

8.1 (a) Landlord shall maintain the Common Areas and Parking Areas including any lobbies, stairs, elevators, corridors and restrooms,
together with the windows and exterior walls, roofs, foundations and structure itself of the Building* and the mechanical, plumbing and electrical equipment servicing the Building, in good order and repair and the cost thereof shall be included in
Expenses, except fot the cost of repairs due to fire and other casualties (but only to the extent the cost of such repairs is covered by insurance proceeds) and for the repair of damages occasioned by the acts or omissions of Tenant, which Tenant
shall pay to Landlord in full 

  
 7 

 (b) Landlord shall, when reasonably necessary in Landlord’s judgment, at
Landlord’s sole cost and expense, clean, as necessary, the carpeting within the Demised Premises (such replacement, if any, to be building standard carpeting), 
 8.2 Landlord shall famish the Demised Premises with (a) heat, ventilation and air conditioning to the extent required for the occupancy of the Demised Premises to standards of comfort and during such
hours in each case as reasonably determined by Landlord for the building (which hours, until Landlord shall otherwise designate, shall be from 7:00 a.m, to 6:00 p.m. on weekdays except holidays, with services to be available at other times at
Tenant’s individual cost, upon written advance request), or as may be prescribed by any applicable policies or regulations adopted by any utility or governmental agency, (b) elevator services, and (c) janitorial service during the
times and in the manner that services are furnished in comparable first class office buildings in the area. Landlord shall not be in default hereunder or be liable for any damages directly or indirectly resulting from, nor shall the rental herein
reserved be abated by reason of: (1) the installation, use ot interruption of use of any equipment in connection with the furnishing of any of the foregoing services, (2) failure to furnish or delay in furnishing of any of the foregoing
services when such failure or delay is caused by accident or any condition beyond the reasonable control of Landlord or by the making of necessary repairs or improvements to the Demised Premises or to the Building, or (3) any limitation,
curtailment rationing or restriction on use of water, electricity, steam, gas or any other form of energy serving the Demised Premises or the Building. Landlord shall use reasonable efforts diligently to remedy any interruption in the furnishing of
such services. Notwithstanding the provisions of this Section 8.2, Landlord shall not be required to provide air conditioning if Tenant shall utilize in the Demised Premises unusual heat generating equipment or lighting other than building
standard lights which affect the temperature otherwise maintained by the air conditioning system or if the Demised Premises are occupied by a number o£ persons in excess of the design criteria of die air conditioning system. 

8.3 Pursuant to Section 8.2 of this Lease, should Tenant use electricity for the operation of air conditioning and heating equipment
outside of the hours of 7:00 a.m. to 6:00 p.m. Monday through Friday, Tenant shall be billed for said additional electricity consumption (currently at the rate of $20.00 per hour) or any portion thereof. Said additional consumption shall be recorded
by a device to be installed as designated by Landlord. All charges for additional electricity consumption shall be payable within fifteen (15) days of receipt of invoice by Landlord. 
 9. Alterations .and Repairs 
 9.1 Tenant shall not make or suffer to be made
any alterations, additions or improvements to or of the Demised Premises or any part thereof; or attach any fixtures or equipment thereto, without first obtaining Landlord’s written consent, which consent shall not be unreasonably withheld. All
such alterations, additions and improvements shall be performed by contractors and subject to conditions specified by Landlord. If any such alterations, additions or improvements to the Demised Premises consented to by Landlord after the
Commencement Date shall be made by Landlord for Tenant’s account; Tenant shall reimburse Landlord for the cost thereof (including a reasonable charge for Landlord’s overhead related thereto) as the work proceeds within five (5) days
after receipt of statements therefor. All such alterations, additions and improvements shall become the property of Landlord upon the expiration or termination of this Lease and shall remain on the Demised Premises upon the

  
 8 

 
expiration or termination of this Lease without compensation to Tenant unless Landlord elects by notice to Tenant to have Tenant remove the same, in which event Tenant shall promptly restore the
Demised Premises to their condition prior to the installation of such alterations, additions and improvements; provided, however, that Tenant shall have the right to remove its moveable trade fixtures and equipment provided that it promptly restores
the Demised Premises to their condition prior to the installation thereof. 
 9.2 Tenant shall keep the Demised Premises and
every part thereof in good condition and repair, Tenant hereby waiving all rights to make repairs at the expense of Landlord or in lieu thereof to vacate the Demised Premises as provided by any law, statute or otherwise now or hereafter in effect
All repairs made by or on behalf of Tenant shall be made and performed in such manner as Landlord and in accordance with the rules relating thereto annexed to this Lease as Exhibit “E” and all applicable laws and regulations of
governmental authorities having jurisdiction. Tenant shall, subject to the provisions of Section 9.1 hereof, at the end of the term hereof surrender to Landlord the Demised Premises in the same condition as when received, ordinary wear
and tear and damage by fire, earthquake, act of God or the elements excepted. Landlord has no obligation and has made no promise to alter, remodel, improve, repair, decorate or paint the Demised Premises or any part thereof and no representations
respecting the condition of the Demised Premises, the Building or the Development have been made by Landlord to Tenant except as expressly set forth in this Lease. 
 10. Prohibition of liens 
 10.1 In accordance with the applicable provisions
of Florida Statute 713, specifically, Section 713.10, no interest of Landlord whether in personalty or in the Demised Premises, or in the underlying land or the Development of which the Demised Premises ate a part, or in a leasehold interest in
any of the aforesaid shall be subject to liens for improvements made by Tenant or caused to be made by Tenant. Tenant agrees and acknowledges the above and covenants that, with respect to any and all improvements or alterations made by Tenant or
caused to be made by Tenant on the Demised Premises, Tenant shall, prior to the start of such improvements or alterations, notify the contractor in writing that all improvements or alterations to the Demised Premises ot the Building shall be made by
the contractor without the tight to lien the Demised Premises or the Building, the underlying land of the Development of which the Demised Premises ate a part, or a leasehold or mortgage interest therein. Failure to provide the contractor with such
notice prior to the start of such improvements or alterations shall be a default in this Lease and Landlord shall, in addition to the other remedies set forth herein, have the right to immediately stop such improvements or alterations, to bar Tenant
and Tenant’s contractor from access to the Demised Premises and to take such other steps as may be necessary to retain and protect Landlord’s title in the Building, the Demised Premises and the Development until such time as proper
notification has occurred and all individuals or entities who have provided labor or materials for such improvements or alterations have waived their rights of lien against Landlord. Tenant, at landlord’s option and request, shall execute a
Memorandum of Lease which recites the foregoing, said Memorandum to be recorded in the Public Records of Orange County, Florida. 
 10.2 Notwithstanding the foregoing, if any mechanics’ lien or other lien, attachment, judgment, execution, writ, charge or encumbrance is filed against the Demised Premises or the Development, or any
alterations, fixtures or improvements therein or thereto, as a result of any work, action or inaction done by or at the direction of Tenant or any of Tenant’s agents, employees, officers or directors, Tenant will discharge same of record within
five (5) days after the filing thereof, failing which, Tenant shall be in default under this Lease. In such event, without waiving Tenant’s default, Landlord, in addition to all other available rights and

  
 9 

 
remedies and without farther notice, may discharge the same of record by payment, binding or otherwise, as Landlord may elect, and upon request, Tenant will reimburse Landlord for all costs and
expenses so incurred by Landlord plus interest thereon at the rate of eighteen percent (18%) per annum from the date of each such costs and expenses are incurred by Landlord. 
 11. Destruction or Damage 
 11.1 In the event the Demised Premises, or any
portion of the Building necessary for Tenant’s occupancy, are damaged by fire, earthquake, act of God, the elements or other casualty in each case insured against by Landlord’s fee and extended coverage insurance policy covering the
Building and, if Landlord’s reasonable estimate of the cost of making such repairs does not exceed the proceeds of such insurance and any deductible applicable thereto by more than Two Hundred Thousand Dollars ($200,000), Landlord shall
forthwith repair the same if such repairs can, in Landlord’s opinion, be completed within two hundred seventy (270) days after commencement of such repairs. This Lease shall remain in full force and effect except that an abatement of Basic
Rental and their changes shall be allowed Tenant for such part of the Demised Premises as shall be rendered unusable by Tenant in the conduct of its business during the time such part is unusable. If such repairs cannot be made within two hundred
seventy (270) days, or if the reasonable cost of making such repairs exceeds the proceeds of insurance and any deductible applicable thereto by more than Two Hundred Thousand Dollars ($200,000), Landlord or Tenant may elect, upon notice to the
other within thirty (30) days after the date of such fire or other casualty, to terminate this lease effective as of the date of such election; provided, however, in the case of an election to terminate based upon the fact that the proceeds of
insurance and any applicable deductible are more than Two Hundred Thousand Dollars (5200,000) less than the cost of rebuilding, the non-electing party may agree by written notice to the other, within ten (10) days after receipt of the
election to terminate, to provide in cash (without right to reimbursement from the other) the amount by which the cost of rebuilding shall exceed the sum of the applicable deductible plus Two Hundred Thousand Dollars (1200,000), whereupon the
election to terminate shall be void and Landlord shall proceed forthwith to repair as herein provided. In die event any mortgagee does not make insurance proceeds available for rebuilding, Landlord may either rebuild with its own funds or terminate
the Lease, such election to be made within thirty (30) days of the mortgagee’s decision not to make insurance proceeds available. 
 11.2 A total destruction of the Building shall automatically terminate this Lease. 

11.3 If the Demised Premises are to be repaired under this Section 11, Landlord shall repair at its cost any injury or damage to the
Building itself. Tenant shall perform and pay the cost of repairing any other Tenant improvement or property in the Demised Premises and shall be responsible for carrying such casualty insurance as it deems appropriate with respect to such other of
its improvements or property. 
 12. Subrogation 
 Landlord and Tenant shall each obtain from their respective insurers under all policies of fire insurance maintained by either of them at any time during the Term insuring or covering the Building or any
portion thereof or operations therein, a waiver of all rights of subrogation which the insurer of one party might have against the other party, and Landlord and Tenant shall each indemnify the other against any loss or expenses, including reasonable
attorneys’ fees, resulting from the failure to obtain such waiver and, so long as such waiver is outstanding, each party waives, to the extent of the proceeds received under such policy, any right of recovery against the other party for any
loss covered by the policy containing such waiver; provided, however, that if at any time their respective insurers shall refuse to permit waivers of subrogation, Landlord or Tenant, in each instance, may revoke said waiver of subrogation effective
thirty (30) days from the date of such notice, unless within such thirty (30) day period, the other is able to secure and furnish (without additional expense) equivalent insurance with such waivers with their companies satisfactory to the
other party. 

  
 10 

 13. Eminent Domain 
 If all or any material part of the Demised Premises or Parking Areas shall be taken as a result of the exercise of the power of eminent domain, this Lease shall terminate as to the part so taken as of the
date of taking, and, in the case of partial taking, either Landlord or Tenant shall have the right to terminate this Lease as to the balance of the Demised Premises by notice to the other within thirty (30) days after such date; provided,
however, that a condition to the exercise by Landlord or Tenant of such right to terminate shall be that the portion of the Demised Premises or Parking Areas taken shall be of such extent and nature as substantially to handicap, impede or impair
Tenant’s use of the balance of the Demised Premises. In the event of any taking, Landlord shall be entitled to any and all compensation, damages, income, rent, awards or any interest thereon whatsoever which may be paid or made in connection
therewith, and Tenant shall have no claim against Landlord for the value of any unexpired term of this Lease or otherwise; provided, however, that so long as same shall not reduce the award otherwise payable to Landlord, Tenant shall have and retain
the right to its award for loss of trade fixtures and moving allowance, In the event of a partial taking of the Demised Premises which does not result in a termination of this Lease, the rental thereafter to be paid shall be reduced on a per square
foot basis. 
 14. Landlord’s Insurance 
 Landlord shall, during the Term, provide and keep in force or cause to be provided or kept in force: 
 (a) Comprehensive general liability insurance with respect to Landlord’s operation of the Development for bodily injury or death and damage to property of others; 

(b) Fire insurance (including standard extended coverage endorsement perils and leakage from fire protective devices) in
respect of the Building, excluding Tenant’s trade fixtures, equipment and personal property, 
 (c) Loss of
rental income insurance (with limits as set forth below); 
 together with such other insurance as Landlord, in its sole discretion, elects to
obtain. Insurance obtained by Landlord shall be in amounts and coverage which Landlord shall from time to time determine reasonable and sufficient (or as shall be required by a mortgagee of the Demised Premises), shall be subject to such deductibles
and exclusions which Landlord may deem reasonable and shall otherwise be on such terms and conditions as Landlord shall from time to time determine reasonable and sufficient Tenant acknowledges that Landlord’s loss of rental income insurance
may provide that (i) payments thereunder by the insurer will be limited to a period of one year following the date of any destruction and damage, and (if) no insurance proceeds will be payable thereunder in the case of destruction or damage
caused by any occurrence other than fire and other risks included in the standard extended coverage endorsement perils of a fire insurance policy. Upon request from Tenant, Landlord shall deliver copies of the policies of insurance or certificates
thereof and of all amendments and renewals to Tenant on or before the Commencement Date and prior to any expiration or renewal 

  
 11 

 15. Indemnification and Tenant’s Insurance 

15.1 Tenant hereby waives all claims against Landlord for damages to any property or injury or death of any person in, upon or about the
Demised Premises arising at any time and from any cause whatsoever, other than the sole negligence of Landlord or its agents, and Tenant shall indemnify, defend and hold Landlord harmless from any damage to any property or injury to or death of any
person arising from the use of the Demised Premises by Tenant The foregoing indemnity obligation of Tenant shall include reasonable attorneys’ fees, investigation costs and all other reasonable costs and expenses incurred by Landlord from the
first notice that any claim or demand is to be made or may be made The provisions of this Section 15.1 shall survive the termination of this Lease with respect to any damage, injury or death occurring prior to such termination. 

15.2 Tenant shall procure and keep in effect comprehensive general liability insurance, including contractual liability, with minimum
limits of liability of Five Million Dollars ($5,000,000) per occurrence for bodily injury or death, and One Million Dollars ($1,000,000) per occurrence for property damage. From time to time, Tenant shall increase the limits of such policies to such
higher limits as Landlord shall reasonably require. Such insurance shall name Landlord and its mortgagee(s) as additional named insureds, shall specifically include the liability assumed hereunder by Tenant, and shall provide that it is primary
insurance and not excess over or contributory with any other valid, existing and applicable insurance in force for or on behalf of Landlord. 
 15.3 Tenant shall procure and keep in effect fire insurance (including standard extended coverage endorsement perils and leakage from fire protective devices) for the full replacement cost of
Tenant’s trade fixtures, equipment, personal property and leasehold improvements. 
 15.4 Tenant shall deliver policies of
the insurance required pursuant to Sections 15.2 and 15.3 hereof or certificates thereof to Landlord on or before the Commencement Date, and thereafter at least thirty (30) days before the expiration date of expiring policies or as required by
a mortgagee of Landlord. Such insurance shall provide that Landlord shall receive thirty (30) days’ written notice from the insurer prior to any cancellation or change of coverage. 
 16. Compliance with Legal Requirements 
 Tenant shall promptly comply with
ail laws, statutes, ordinances and governmental rules, regulations or requirements now in force or which may hereafter be in force, with the requirements of any board of fire underwriters or other similar body now or hereafter constituted, with any
occupancy certificate or directive issued pursuant to any law by any public officer or officers, as well as the provisions of all recorded documents affecting the Demised Premises, insofar as any thereof relate to or affect the condition, use or
occupancy of the Demised Premises; provided, however, that Tenant shall not be responsible for violation of any of the foregoing caused solely by the act or neglect of Landlord. 
 17. Assignment and Subletting 
 17.1 Except as expressly permitted pursuant
to this Section 17, Tenant shall not, without the prior written consent of Landlord, assign, encumber or hypothecate this Lease or any interest herein or sublet the Demised Premises or any part thereof, or permit the use of the Demised Premises
by any party other than Tenant. This Lease shall not, nor shall any interest herein, be assignable as to the interest of Tenant by operation of law without the consent of Landlord. 

17.2 If at any time or from time to time during the term of this Lease, Tenant desires to sublet all or any part of the Demised Premises
or to assign this Lease, Tenant shall give notice to Landlord setting forth the proposed subtenant or assignee, the terms of the proposed subletting and the space so proposed to be sublet or the terms of the proposed assignment, as the case may be.
Landlord shall have the option, 

  
 12 

 
exercisable by notice given to Tenant within twenty (20) days after Tenant’s notice is given, (a) if Tenant’s request relates to a subletting, either to sublet from Tenant
such space at the rental and other terms set forth in Tenant’s notice, or if the proposed subletting is for the entire Demised Premises for the balance of the Term, at Landlord’s option, to terminate this Lease or (b) if Tenant’s
request relates to an assignment, either to have this Lease assigned to Landlord or to terminate this Lease, If Landlord does not exercise such option, Tenant shall be free for a period of one hundred eighty (180) days thereafter to sublet such
space or to assign this Lease to such third party, if Landlord shall consent thereto, provided that the sublease or assignment shall be on the same terms set forth in the notice given to Landlord and that the rental to such subtenant or assignee
shall not be less than the then market rate for such premises. 
 17.3 Notwithstanding the provisions of Sections 17.1 and 17.2
hereof, Tenant may assign this Lease or sublet the Demised Premises or any portion thereof, without Landlord’s consent and without extending any option to Landlord, to any corporation (or partnership) which controls is controlled by ot is under
common control with Tenant, or to any corporation resulting from the merger or consolidation with Tenant, or to any person or entity which acquired all the assets of Tenant as a going concern of the business that is being conducted on the Demised
Premises, provided that said assignee assumes, in full, the obligations of Tenant under this Lease. 
 17.4 Regardless of
Landlord’s consent, no subletting or assignment shall release Tenant of Tenant’s obligation or alter the primary liability of Tenant to pay the rental and to perform all other obligations to be performed by Tenant hereunder; provided,
however, that Landlord shall release Tenant by a written notation, assumption and substitution agreement if a permitted assignee assumes and agrees to pay all of Tenant’s obligation under this Lease and such permitted assignee has a net worth
equal to or greater than Tenant’s net worth as of the date of this Lease. The acceptance of rental by Landlord from any other person, shall not be deemed to be a waiver by Landlord of any provision hereof. Consent to one assignment shall not be
deemed consent to any subsequent assignment or subletting. In the event of default of any of the terms hereof, Landlord may proceed directly against Tenant without the necessity of exhausting remedies against such assignee or successor. Landlord may
consent to subsequent assignments or subletting of this Lease or amendments or modifications to this Lease with assignees of Tenant, without notifying Tenant, or any successor of Tenant, and without obtaining its or their consent thereto and such
action shall not relieve Tenant of liability under this Lease 
 17.5 In the event Tenant shall assign this Lease or sublet the
Demised Premises or request the consent of Landlord to any assignment or subletting or if Tenant shall request the consent of Landlord for any act that Tenant proposes to do, then Tenant shall pay Landlord’s reasonable attorney’s fees and
processing fees incurred in connection therewith. 
 18. Rules 
 Tenant shall faithfully observe and comply with the rules and regulations annexed to this Lease as Exhibit “E” and, after notice hereof, all reasonable modifications thereof and additions
thereto from time to time promulgated in writing by Landlord. Landlord shall not be responsible to Tenant for the nonperformance by any other tenant or occupant of the Building of any of such rules and regulations. 

19. Entry by Landlord 

19.1 Landlord and its designees may enter the Demised Premises at reasonable hours to (a) inspect the same, (b) exhibit the same
t<b prospective purchasers, lenders or tenants, (c) determine whether Tenant is complying with all of its obligations hereunder, (d) supply janitor service and any other services to be provided by Landlord to Tenant
hereunder, (e) post notices of nonresponsibility, and (f) make repairs requited of Landlord under the terms hereof or repairs to any adjoining space or utility services or make repairs, alterations or improvements to any other portion of
the Building or Development; provided, however, that all such work shall be done as promptly as reasonably possible and in such manner so as not to unreasonably interfere with Tenant’s business, any loss of occupancy or quiet enjoyment of the
Demised Premises or any other loss occasioned by such entry. 

  
 13 

 19.2 Subject to all applicable laws, regulations and policies with respect to the retail
banking areas of the Demised Premises, Landlord shall at all times have and retain a key with which to unlock all of the doors in, on or about die Demised Premises (excluding Tenant’s vaults, safes and similar areas designated in writing by
Tenant in advance); and Landlord shall have the right to use any and all means which Landlord may deem proper to open said doors in any emergency in order to obtain entry to the Demised Premises or Development, and any entry to the Demised Premises
or Development obtained by Landlord by any of said means, or otherwise, shall not under any circumstances be construed or deemed to be a forcible or unlawful entry into or, a detainer of the Demised Premises or Development or an eviction, actual or
constructive, of Tenant from the Demised Premises or Development, or any portion thereof 
 20. Events of Default 

20.1 The occurrence of any one or more of the following events (hereinafter referred to as “Events of Default”) shall constitute
a breach of this Lease by Tenant (a) if Tenant shall fail to pay the Basic Rental or additional rent when and as the same becomes due and payable and such failure shall continue for more than ten (10) days; or (b) if Tenant shall fell
to pay any other sum when and as the same becomes due and payable and such failure shall continue for more than ten (10) days; or (c) if Tenant shall fail to perform or observe any other term hereof or of the rules and regulations referred
to in Section 18 hereof to be performed or observed by Tenant, such failure skill continue for more than thirty (30) days after notice thereof from Landlord, and Tenant shall not-within such thirty (30) day period commence with due
diligence and dispatch the curing of such default, or, having so commenced, shall thereafter fail or neglect to prosecute or complete with due diligence and dispatch the curing of such default within said thirty (30) day period or such
additional period as shall be reasonably necessary; or (d) if Tenant shall make a general assignment for the benefit of creditors, or shall admit in writing its inability to pay its debts as they become due or shall file a petition in
bankruptcy, or shall be adjudicated as insolvent or shall file a petition in any proceeding seeking any reorganization, arrangements, composition, readjustment, liquidation, dissolution or similar relief under any present or future statute, law or
regulation, or shall file an answer admitting, acquiescing in or shall fail to contest the appointment of any trustee, receiver or liquidator of Tenant or any material part of its properties; or (e) if within sixty (60) days after the
commencement of any involuntary proceeding against Tenant seeking any reorganization, arrangement, composition, readjustment, liquidation, dissolution or similar relief under any present or future statute, law or regulation, such proceeding shall
not have been dismissed, or i£ within sixty (60) days after the appointment without the consent or acquiescence of Tenant, of any trustee, receiver or liquidator of Tenant or of any material part of its properties, such appointment shall
not have been vacated; or (f) if this Lease or any estate of tenant hereunder shall be levied upon under any attachment or execution and such attachment or execution is not vacated within thirty (30) days of issuance; or (g) if the
Demised Premises shall be abandoned or vacated by tenant (abandonment to be deemed to conclusively occur upon (i) thirty (30) consecutive days’ absence from the Demised Premises by Tenant or its agents, unless such absence results
from fire or other casualty, or (ii) the removal of all or a substantial portion of tenant’s trade fixtures, furniture, equipment or personal property from the Demised Premises without the prior written consent of Landlord), or if Tenant
fails to take possession of the Demised Premises and initially occupy them when Tenant receives notice from Landlord of their completion; or (h) Tenant transfers any interest in this Lease in violation of the provisions of Section 17
hereof. 
 20.2 If, as a matter of law, Landlord has no right on the bankruptcy of Tenant to terminate this Lease, then, if
Tenant, as debtor, or its trustee wishes to assume or assign this Lease, in addition to curing or adequately assuring the cure of all defaults existing under this Lease on Tenant’s part on the date of filing of the proceeding (such assurances
being defined below), Tenant, as debtor, or the trustee or 

  
 14 

 
assignee must also furnish adequate assurances of future performance under this Lease (as defined below). Adequate assurance of curing defaults means the posting with Landlord of a sum in cash
sufficient to defray the cost of such a cure. Adequate assurance of future performance under this Lease means posting a deposit equal to three (3) months’ rent, including all other charges payable by Tenant hereunder, such as the amounts
payable pursuant to Section 5 hereof, and, in the case of an assignee, assuring Landlord that the assignee is financially capable of assuming this lease, and that its use of the Demised Premises will not be detrimental to the other tenants in
the Building or Landlord. In a reorganization under Chapter 11 of the Bankruptcy Code, the debtor or trustee must assume this Lease or assign it within one hundred twenty (120) days from the filing of the proceeding, or he shall be deemed to
have rejected and terminated this Lease. 
 21. Remedies 
 If any of the Events of default shall occur, then Landlord shall have the following remedies: 
 (a) Landlord at any time after an Event of Default, at Landlord’s option, may immediately terminate this Lease without any further action or notice by Landlord (whether or not the Term shall have
commenced), in which event Tenant shall immediately surrender the Demised Premises to Landlord, and Landlord may enter upon and expel or remove Tenant and any other person who may be occupying the Demised Premises and take possession of the Demised
Premises for the account of Landlord, and Tenant shall remain liable for damages as provided in Section 22 hereof. 
 (b)
Either with or without terminating this Lease, Landlord may immediately or at any time after the Event of Default or after the date upon which this Lease shall expire, reenter die Demised Premises or any part thereof, without notice, either by
summary proceedings or by any other applicable action or proceeding or otherwise (without being liable to indictment, prosecution or damages therefor), and may repossess the Demised Premises or Development and remove any and all of Tenant’s
property and effects from the Demised Premises or Development 
 (c) Without terminating this Lease, Landlord may release the
whole or any part of the Demised Premises from time to time, as agent for the account of Tenant, to such tenant or tenants, for such term or terms ending before, on or after the Expiration Date, at such rental or rentals and upon such other
conditions, which may include concessions and free rent periods, as Landlord, in its sole discretion, may determine. In the event of any such reletting, Landlord shall not be liable for the failure to collect any rental due upon any such reletting,
and no such failure shall operate to relieve Tenant of any liability under this Lease 01 otherwise to affect any such liability; and Landlord may make such repairs, replacements, alterations, additions, improvements, decorations and other physical
changes in and to the Demised Premises as Landlord, in its sole discretion, considers advisable or necessary in connection with any such reletting or proposed reletting, without relieving Tenant of any liability under this Lease or otherwise
affecting such liability. No re-entry and/or reletting shall be construed as Landlord’s election to terminate (his Lease unless Landlord has notified Tenant in writing of Landlord’s election to so terminate or unless the termination
thereof be decreed by a court of competent jurisdiction. Notwithstanding any such reletting without termination, Landlord may at any time elect to terminate this Lease for the previous breach of the Lease by Tenant and Tenant shall remain liable for
the damages provided in Section 22 hereof. Upon each such reletting, all rentals and other sums received by Landlord from such reletting shall be applied, first, to the payment of any indebtedness other than rent due hereunder from Tenant to
Landlord; second, to the payment of any costs and expenses of such reletting, including brokerage fees and attorneys’ fees and the costs of any alterations and repairs; third, to the payment of rent and other charges due and unpaid hereunder,
and the residue, if any, shall be held by Landlord and applied in payment of future rent as the same may become due and payable hereunder. If such rentals and other sums received from such reletting

  
 15 

 
during any month be less than that to be paid during that month by Tenant hereunder, Tenant shall pay such deficiency to Landlord; if such rentals and the sums shall be more, Tenant shall have no
right, to, and shall receive no credit for, the excess. Any deficiency from such reletting shall be calculated by Landlord and paid monthly by Tenant. Tenant shall continue to be liable for the damages as described in Section 22 below and for
the payment of any deficiencies in Basic Rental, additional rents and any other sums due under this Lease after any such reletting. 
 (d) Without entering into possession of the Demised Premises or terminating this Lease, Landlord may accelerate and declare all Basic Rental and additional rents and other sums due and to become due under
this Lease immediately due and payable and bring suit for the collection thereof and for the damages as described in Section 22 below. Commencement of any such action by Landlord shall not be construed as an election to terminate this Lease and
shall not absolve or discharge Tenant from any of its obligations or liabilities under this Lease 
 (e) Landlord shall have the
right to recover the rental and ail other amounts payable by Tenant hereunder as they become due (unless and until Landlord has terminated this Lease) and all other damages incurred by Landlord as a result of an Event of Default. 

(f) To the extent permitted by law, Tenant waives notice of termination of this Lease, any statutory notice (3-day or otherwise), notice
of re-entry or institution of legal proceedings and any right of redemption, re-entry or repossession. Landlord and Tenant hereby waive their right to trial by jury in any action, proceeding or counterclaim brought by either of the parties hereto
against the other on any matters whatsoever arising out of or in any way connected with this Lease (except for personal injury or property damage). 
 (g) The remedies provided for in this Lease are cumulative and not mutually exclusive and may be exercised in addition to any other remedies available to Landlord at law or in equity by statute or
otherwise. 
 (h) Landlord’s tights and remedies are subject to the Federal Deposit Insurance Corporation’s (FDIC and
State of Florida’s statutes, administrative codes, rules and regulations. 
 22. Damages 

In addition to the amounts recoverable by Landlord from Tenant as described in Section 21 above, Landlord may, upon a default by
Tenant hereunder, recover the following damages from Tenant 
 (a) any unpaid Basic Rental, additional rents and
other sums due under this Lease which have been earned through the date of such default; plus 
 (b) the cost of
repairing or reletting the Demised Premises, brokerage fees, and attorneys’ fees and costs; plus 
 (c) any
other amount necessary to compensate Landlord for all damages proximately caused by Tenant’s failure to perform its obligations under this Lease or which in the ordinary course of events would be likely to result therefrom; plus 

(d) interest on the amounts in (a)-(c) above computed from the date the respective amounts were due or would have
been due, at the then prime rate repotted in The Wall Street Journal* but not in excess of the highest rate permitted by law. 

  
 16 

 23. Landlord’s Right to Cure Defaults 

All covenants, terms and conditions to he performed by Tenant under any of the terms of this Lease shall be at its sole cost and expense
and without any abatement of rental. If Tenant shall fail to pay any sum of money, other than Basic Rental, required to be paid by it hereunder or shall fail to perform any other act on its part to be performed hereunder and such failure shall
continue for thirty (30) days after notice thereof by Landlord, Landlord may, but shall not be obligated so to do, and without waiving or releasing Tenant from any obligations of Tenant, make any such payment or perform any such other act on
tenant’s part to be made or performed as in this Lease provided. All sums so paid by Landlord and all necessary incidental costs shall be deemed additional rental hereunder and shall be payable to Landlord on demand, and Landlord shall have (in
addition to any other right or remedy of Landlord) the same rights and remedies in the event of the nonpayment thereof by Tenant as in the case of default by Tenant in the payment thereof by Tenant as in the case of default by Tenant in the payment
of Basic Rental 
 24. Attorneys’ Fees and Expenses 
 If as a result of any breach or default in the performance of any of the provisions of this Lease, either Party uses the services of an attorney in order to secure compliance with such provisions or
recover damages therefore, or to terminate this lease, or at Landlord’s option, evict Tenant, the prevailing party shall be entitled to its attorneys’ fees, paralegal fees, costs and expenses incurred at all trial and appellate levels, as
well as those incurred in any bankruptcy proceedings. 
 25. Subordination. 

25.1 Provided that Tenant is given a non-disturbance agreement pursuant to which Tenant’s rights under this Lease will not be
disturbed so long as Tenant is not in default hereunder beyond any applicable cure period, this Lease shall be subject and subordinate, at all times, to (a) the lien of any mortgage or mortgages which may now or hereafter affect the
Tenant’s interest in the Building or Development, and to all advances made or hereafter to be made upon the security thereof and to the interest thereon, and to any agreements at any time made modifying, supplementing extending or replacing any
such mortgages, and (b) any real estate interest which may now or hereafter affect the Building or Development, including all amendments, renewals, modifications, consolidation, replacements and extensions thereof. Tenant shall agree to attom
to any such party. Notwithstanding the foregoing, at the request of the holder of any of the aforesaid mortgage or mortgages or the holder of any real estate interest, this Lease may be made prior and superior to such mortgage or mortgages and/or
real estate interest. 
 25.2 At the request of Landlord or its mortgagee, Tenant shall execute and deliver such further
instruments as may be reasonably required to implement the provisions of this Section 25. Tenant hereby irrevocably, during the term of this Lease, constitutes and appoints Landlord as Tenant’s agent and attorney-in-fact to execute any
such instruments if Tenant shall fail or refuse to execute the same within ten (10) days after notice from Landlord. 

25.3 If, as a condition of approving this Lease, Landlord’s mortgagee shall request reasonable modifications of this Lease, Tenant
shall not unreasonably withhold or delay its agreement to such modifications, provided that such modifications do not increase the obligations or materially and adversely affect the tights or Tenant under this Lease. 

26. Merger 
 The
voluntary or other surrender of this Lease by Tenant, or a mutual cancellation hereof, shall not work a merger, and shall, at the option of Landlord, terminate all or any existing subleases or subtenancies, or may, at the option of Landlord, operate
as an assignment to it of any or all such subleases or subtenancies. 

  
 17 

 27, Nonliability of Landlord 
 27.1 In the event the Landlord hereunder or any successor owner of the Building shall sell or convey the Building or the Development, all liabilities and obligations on the part of the original Landlord
or such successor owner under this Lease accruing thereafter shall terminate, and thereupon all such liabilities and obligations shall be binding upon the new owner. Tenant shall attom to such new owner. 

27.2 Landlord shall not be responsible or liable to Tenant for any loss or damage that may be occasioned by or through the acts or
omissions of persons occupying adjoining areas or any part of the area adjacent to or connected with the Demised Premises or Development or any part of the Building or for any loss or damage resulting to Tenant or Tenant’s property from theft
or a failure of the security systems in the Building to Development; or for any damage or loss of property within the Demised Premises from any other cause whatsoever and no such occurrence shall be deemed to be an actual or constructive eviction
from the Demised Premises or Development or result in an abatement of rental. 
 27.3 If Landlord shall fail to perform any
covenant, term or condition of this Lease upon Landlord’s part to be performed, and, if as a consequence of such default, Tenant shall recover a money judgment against Landlord, such judgment shall be satisfied only against the right, title and
interest of Landlord in the Building and out of rents or other income from the Building receivable by Landlord, or out of the consideration received by Landlord from the sale or other disposition of all or any part of Landlord’s right, title
and interest in the Building, and Landlord shall not be liable for any deficiency. 
 28. Estoppel Certificate 

At any time and from time to time upon ten (10) days’ prior request by Landlord or its mortgagee. Tenant will promptly execute,
acknowledge and deliver to Landlord, a certificate indicating (a) that this Lease is unmodified and in full force and effect (or, if there have been modifications, that this Lease is in full force and effect, as modified, and stating the date
and nature of each modification), (b) the date, if any, to which rental and other sums payable hereunder have been paid, (c) that no notice has been received by Tenant of any default which has not been cured, except as to defaults
specified in said certificate, and (d) such other matters as may be reasonably requested by Landlord or its mortgagee. Any such certificate may be relied upon by any prospective purchaser ox mortgagee under any mortgage of the Building or any
part thereof. 
 29. No light Air or View Easement 
 Any diminution or shutting off of light, air or view by any structure which may be erected on lands adjacent to the Building or Development shall in no way affect this Lease or impose any liability on
Landlord. 
 30. Surrender of Demised Premises and Holding Over 
 At the expiration of the tenancy hereby created, Tenant shall surrender the Demised Premises in good condition, reasonable wear and tear excepted, and Tenant shall surrender all keys for the Demised
Premises and the Building to Landlord. All improvements and upgrades, as defined in Exhibit “C” by the Building Standard Landlord’s Work, made to the Demised Premises by Landlord shall, when installed, attach to the freehold and
become and remain the property of Landlord. If Tenant holds possession of the Demised Premises or Development beyond the expiration of the Term, such continued possession by Tenant shall not have the effect of extending or renewing the Term for any
period of time and Tenant shall be presumed to occupy the Demised Premises or Development against the will of Landlord who shall thereupon be entitled to all remedies provided for the expulsion of Tenant, including all claims for loss and damage,
and during such tenancy at will Tenant shall be subject to all of the terms, covenants and conditions of this Lease except that upon receipt of written notice from Landlord the Basic Rental shall be twice the amount payable during the last year of
the Lease term. Landlord may, at its option, give to 

  
 18 

 
Tenant at any time during such continued possession by Tenant written notice that Tenant may continue to occupy the Demised Premises or Development under a tenancy from month to month and
otherwise under such terms and conditions (including rental) as Landlord may specify in said written notice. 
 31. Abandonment

 If Tenant shall abandon or surrender the Demised Premises, or be dispossessed by process of law or otherwise, any personal
property belonging to Tenant and left on the Demised Premises or Development shall be deemed to be abandoned, or, at the option of Landlord, may be removed by Landlord at Tenant’s expense. 

32. Waiver 
 32.1 The
waiver by Landlord of any agreement, condition or provision herein contained shall not be deemed to be a waiver of any subsequent breach of the same ot any other agreement, condition ot provision herein contained, nor shall any custom or practice
which may develop between the parties in the administration of the terms hereof be construed to waive or to lessen the right of Landlord to insist upon the performance by Tenant of the terms hereof in strict accordance with said terms. The
subsequent acceptance of rental hereunder by Landlord shall not be deemed to be a waiver of any preceding breach by Tenant of any agreement, condition or provision of this Lease, other than the failure of Tenant to pay the particular rental so
accepted, regardless of Landlord’s knowledge of such preceding breach at the time of acceptance of such rental. 
 32.2 If
Landlord commences any summary or other proceeding for nonpayment of rent or the recovery of possession of the Demised Premises, Tenant shall not interpose any counterclaim of whatever nature or description in any such proceeding, unless the failure
to raise the same would constitute a waiver thereof. In no event shall Tenant be entitled to offset rent regardless o£ cause or reason. 

33. Notices 
 All
notices, consents, requests, demands, designations or other communications which may or are required to be given by either party to the other hereunder shall be in writing and shall be deemed to have been duly given when personally delivered or
deposited in the United States mail, certified or registered, postage prepaid, and addressed as follows: to Tenant at the address set forth in Section l(j) hereof, or to such other place as Tenant may from time to time designate in a notice to
Landlord; to Landlord at the address set forth in Section 1 (k) hereof, or to such other place as Landlord may from time to time designate in a notice to Tenant; or in the case of Tenant, delivered to Tenant at the Demised Premises. Tenant
hereby appoints as its agent to receive the service of all dispossessory or distraint proceedings and notices thereunder the person in charge of or occupying the Demised Premises at the time, and, if no person shall be in charge of or occupying the
Demised Premises at the time, then such service may be made by attaching the same on the main entrance of the Demised Premises. 
 34.
Complete Agreement 
 There are no oral agreements between Landlord and Tenant affecting this Lease, and this Lease
supersedes and cancels any and all previous negotiations, arrangements, brochures, agreements and understandings, if any, between Landlord and Tenant or displayed by Landlord to Tenant with respect to the subject matter of this Lease or the
Building. There are no representations between Landlord and Tenant other than those contained in this Lease and all reliance with respect to any representations is solely upon such representations herein contained. 

  
 19 

 35. Authority 
 Each of the persons executing this Lease on behalf of Tenant does hereby—covenant and warrant that Tenant has and is qualified to do business in Florida, and that each and all of the persons signing
this Lease has authority to do so. 
 36. Inability to Perform 
 36.1 If, by reason of the occurrence of unavoidable delays due to acts of God, governmental restrictions, strikes, labor disturbances, shortages of materials or supplies or for any other cause or event
beyond Landlord’s reasonable control, Landlord is unable to furnish or is delayed in furnishing any utility or service required to be furnished by Landlord under the provisions of Section 8 hereof or any other provisions of this Lease or
any collateral instrument, or is unable to perform or make or is delayed in constructing, performing or making any construction, installation, decoration, repair, alteration, addition or improvement, whether required to be performed or made under
this Lease or under any collateral instrument, or is unable to fulfill or is delayed in fulfilling any of Landlord’s other obligations under this Lease or any collateral instrument, no such inability or delay shall constitute an actual or
constructive eviction in whole or in part, or entitle Tenant to any abatement or diminution of rental or other charges due hereunder or relieve Tenant from any of its obligations under this Lease, or impose any liability upon Landlord or its agents
by reason of inconvenience or annoyance to Tenant; or injury to or interruption of Tenant’s business, or otherwise. 
 37. Covenant of
Quiet Enjoyment 
 Upon Tenant paying the rental and other charges due hereunder and performing all of Tenant’s obligations under this
Lease, Tenant may peacefully and quietly enjoy the Demised Premises or Development during the term of this lease; subject, however, to the provisions of this lease and to any mortgages or real estate interests referred to in Section 25 hereof.

 38. Miscellaneous 
 38.1 The words “Landlord” and ‘Tenant” as used herein shall include the plural as well as the singular. If there be more than one Tenant, the obligations hereunder imposed upon Tenant
shall be joint and several 
 38.2 Submission of this instrument for examination or signature by Tenant does not constitute a
reservation of or option for lease, and it is not effective as a lease or otherwise until execution and delivery by both Landlord and Tenant 
 38.3 The agreements, conditions and provisions herein contained shall, subject to the provisions as to assignment set forth in Section 17 hereof, apply to and bind the heirs, executors,
administrators, successors and assigns of the parties hereto. 
 38.4 If any provisions of this Lease shall be determined to be
illegal or unenforceable, such determination shall not affect any other provisions of this Lease and all such other provisions shall remain in full force and effect 
 38.5 This Lease shall be governed by and construed pursuant to the laws of the State of Florida. 
 38.6 Tenant agrees not to record this Lease or any notice thereof without the express written consent of Landlord, and Tenant further agrees, at the request of Landlord, to execute, acknowledge and
deliver at any time after the date of this Lease, a “short form, lease” suitable for recording. 

  
 20 

 39. No Broker 
 INTENTIONALLY DELETED 
 Tenant warrants and represents that it has dealt with no broker,
agent to other person in connection with this Lease and that no broker, agent or other person brought about this transaction. Tenant agrees to indemnify and hold Landlord harmless from and against any and all claims by any broker, agent or other
persons claiming a commission or the form of compensation by virtue of having dealt with tenant with regard to this leasing transaction. The provisions of this service termination of the lease, and any renewal thereof 

40. 
 (a) - Tenant has deposited
with Landlord as security for the performance by Tenant of the terms of this Lease the sum set forth in Section 1(L) hereof. Landlord may use or apply on Tenant’s behalf or retain (without liability for interest) during the term of this
Lease the whole or any part of the security so deposited to the extent required for the payment of any rent or other sums as to which Tenant may be in, default hereunder or for any sum which Landlord may expend by reason of Tenant’s default in
respect of any of the terms of this Lease, including but not limited to any deficiency or damage incurred in reletting the Demised Premises. The covenants in this Section 40 are personal covenants between Landlord and Tenant and not covenants
running with the land, and in no event will Landlord’s mortgagee’s) or any purchaser at a foreclosure sale or a sale in lieu of foreclosure be liable to Tenant for the return of the security deposit After each application from
Tenant’s security deposit, Tenant shall upon demand replenish said deposit to the amount set forth in Section 1(f). 

(b) Provided Tenant shall comply with all the terms of this Lease, such security shall be returned to Tenant upon termination of this
Lease and after surrender of possession of the Demised Premises to Landlord- In the event of a sale of the Building or assignment of this Lease by Landlord to any person other than a mortgagee, Landlord shall have the right to transfer the security
to its vendee or assignee, subject to Tenants aforesaid lights upon termination, and thereupon Landlord shall be released from any liability with respect to the return of such security to Tenant, such vendee or assignee to be solely responsible to
Tenant therefor. 
 (c) Tenant shall not assign or encumber its interest in the security deposit, and neither Landlord nor its
successors and assigns shall be bound by any attempted assignment or encumbrance. 
 41. Radon Gas 

Radon is a naturally occurring radioactive gas that, when it has accumulated in a building in sufficient quantities,
may present health risks to persons who are exposed to it over time. Levels of radon that exceed federal and state guidelines have been found in buildings in Florida. Additional information regarding radon and radon
testing may be obtained from your county public health unit. 
 42. Landlord’s Right to Relocate
Tenant         INTENTIONALLY DELETED 
 During the term of this lease, at
Landlords option, shall have the right to request that tenant relocate its operation to another location within the Property as designated by Landlord (“Relocation Space”). Landlord shall give tenant ninety (90) days written, notice
of said request to relocate. Landlord shall be responsible for the cost and supervision of construction improvements to the Relocation space as well as any costs in connection with tenant’s relocation pursuant to this paragraph, which shall
include but are not limited to moving expenses, change of address on stationary and business cards, telephone line relocation or any other reasonable expenses incurred in connection with said relocation. 

  
 21 

 The square footage of the Relocation Space will be determined and certified by
Landlord’s Architect and shall not; without Tenants consent be more than the square footage of the demised premises. Tenant hereby agrees to execute amendment to this Lease describing the Relocation Space location, square footage and any other
revision to the lease brought upon by said relocation. Landlord shall use its best efforts to relocate Tenant to a pace comparable in size and shape as the Demised Premises. Tenant shall cooperate in approving a Space plan and executing an amendment
to lease without delay 
 43. Demised Premises             INTENTIONALLY
DELETED 
 The Demised Premises is estimated to be 12,537 gross square feet. On or before thirty (30) days the
commencement date of the lease, as herein defined, either Landlord or Tenant may cause the Demised premises to be measured. If it is determined that the Demised Premises Area of the Leased Premises is different from that set forth above in the
Lease, the Demised Premises shall be adjusted upward or downward accordingly. If such remeasurement shall not be undertaken on or before the date stated above then the Demised Premises area calculation set forth above in the Lease shall be
conclusively binding upon Landlord and Tenant and neither Landlord nor Tenant shall have any further right to remeasurement of the Demised Premises after such date. 

  
 22 

 44. Brokers 
 Landlord hereby represents and covenants that it has agreed to pay a commission to Morrison Commercial Real Estate in the sum of One Hundred Ninety Four Thousand Three Hundred Forty One Dollars ($194,341)
and to Quest Company in the sum of Ninety Seven Thousand One Hundred Seventy Dollars ($97,170) as a result of this transaction. Tenant and Landlord hereby further represent and warrant to each other that no fee, commission or similar compensation
shall be payable by Landlord or Tenant to any broker or any other similar person, except as payable by Landlord as set forth above, as a result of any agreement or action by Tenant or Landlord, respectively. 

45. First Right of Offer 

Tenant shall have a first right of offer on Suite 325 in the Building. Landlord shall notify Tenant in writing when Suite 325 becomes
available for rent and what date it is available. Landlord and Tenant shall have sixty (60) days from the date of said notice to agree on the terms and conditions of leasing Suite 325 or the first right of offer herein shall expire. Landlord
agrees to establish rent for Suite 325 at the then existing fair market rental value existing at the time of said notice. 

IN WITNESS WHEREOF, the parties hereto have executed this Lease as of the
12th day of August, 2010 

 

							
	

	 		 	LANDLORD
	 		 	 MORSE BOULEVARD DEVELOPMENT ASSOCIATES, LLC> a Florida limited liability company

BY JTB, INC. ITS MANAGING MEMBER

	 		 	By:	 	 /s/ Lesley Moulton

							
		 		 	       Name:	 	 Lesley Moulton

							
		 		 	Its:	 	 Secretary and Treasurer

 

							
	

	 		 	TENANT
	 		 	BANKFIRST, a Florida banking corporation
	 		 	By:	 	 /s/ Donald J. McGowan

							
		 		 	       Name:	 	 Donald J. McGowan

							
		 		 	Its:	 	 President and CEO

  
 23 

 Exhibit A 
 Lots 1, 2, 9,10, the E 39.5 feet of Lot 3 and the E 39.5 feet of Lot 8, Block C, Hill’s Addition to Winter Park, according to the plat thereof recorded in Plat Book 6, Page 30 of the Public Records
of Orange County, Florida, and the S 25 feet of vacated Symonds Avenue, per Ordinance #1318, City of Winter Park. 

 Exhibit B 
 The Demised Premises of Exhibit A shall consist of the following: 
  

					
	 Branch Space:
	  	 	3,791 RSF	  
	 Suite 150
	  	 	1,225 RSF	  
	 Office Space:
	  	 	516 RSF	  
	 Suite 165
	  	 	1,511 RSF	  
	 Suite 155
	  	 	3,537 RSF	  
	 Suite 140
	  	 	207 RSF	  
	 Suite 160
	  	 	7.348 RSF	  
		  	 	 	 
		
	  1/2 3rd Floor Receptionist
	  			
	 Suite 323
	  			
	 Subtotal
	  	 	14,344 RSF	  
	 Total
	  	 	18,135 RSF	  
		  	 	 	 

 The above described suites are more specifically depicted on the attached floor plan to this Exhibit B, The
Demised Premises shall also include the ATM, Drive-Thru lanes, the top half of the Electronic Road Pylon Sign as it exists as of the date of this instrument, and the Monument Sign on the Building. Tenant may use the manual reader board at all times
with the exception of the Landlords use from time to time to market the building. 

 

 

 

 

 Exhibit D 

 

													
	Demised Premises	  	Gross Square
Footage	 	  	Rental Per
Square Foot	 	  	Year One
Annual Rent	 
	 Suite 150
	  	 	3,791	  	  	$	46.50	  	  	$	176,281.50	  
	 Suite 165
	  	 	1,225	  	  	$	26.00	  	  	$	31,850.00	  
	 Suite 155
	  	 	516	  	  	$	26.00	  	  	$	13,416.00	  
	 Suite 140
	  	 	1,511	  	  	$	26.00	  	  	$	39,286.00	  
	 Suite 160
	  	 	3,537	  	  	$	26.00	  	  	$	91,962.00	  
	 1/2 Receptionist
	  	 	207	  	  	$	26.00	  	  	$	5,382.00	  
	 Suite 323
	  	 	7,348	  	  	$	26.00	  	  	$	191,048.00	  
				
	 TOTAL
	  	 	18,135	  	  				  	$	549,225.50	  

 RULES AND REGULATIONS 

1. The common of public areas of the Building and Development shall not be constructed or used for any purpose other than coming to and
from the Demised Premises. Parking Areas shall be used only by tenants who have rights thereto pursuant to lease (and only to the extent of such lease rights) and shall not be used to store vehicles or for parking large commercial or recreational
vehicles. 
 2. Landlord has the right to control access to the Building and Development and refuse admittance to any person or
persons without satisfactory identification or a pass issued by Tenant during hours determined by Landlord. 
 3. Landlord shall
upon reasonable notice have the right to enter upon the Demised Premises at reasonable hours for the purpose of inspecting the same as provided in applicable leases. 
 4. Landlord shall upon reasonable notice have the right to enter the Demised Premises at hours convenient to Tenant for the purpose of exhibiting the same to prospective tenants within a one hundred
eighty (180) day period prior to the expiration of the Lease, 
 5. No person shall disturb other occupants of the Building
or Development by making loud or disturbing noises. 
 6- Soliciting, peddling and canvassing is prohibited in the Building or
Development and Tenant shall cooperate to prevent the same. No vending machine shall be operated in the Building by any tenant without Landlord’s prior written approval. 
 7. All deliveries and removals of furniture, equipment or other bulky items must take place after notification to Landlord, during such hours and in such manner as Landlord shall determine. Tenant shall
be responsible for all damage or injury resulting from the delivery or removal of all articles into or out of the Building, the Demised Premises or the Development No load shall be placed on the floors or in elevators in excess of the limits which
shall be established by Landlord. 
 8. Tenant shall not use any equipment emitting noxious fumes unless they are properly
vented at Tenant’s expense. 
 9. Nothing shall be attached to the interior or exterior of the Building Premises without
the prior written consent of Landlord, which consent shall not be unreasonably withheld. However, Tenant shall have the right to install and remove, within the Demised Premises (subject to the terms of the Lease with Tenant), all of tenant trade
fixtures. For the purpose of this paragraph, trade fixtures shall include artwork Building standard level or style Venetian blinds shall be used in windows designated by Landlord. No other window treatment or objects shall be attached to,
hung in ot used in connection with any window or door of the Demised Premises or visible from the exterior or any door or window or from outside the Building. No article shall be placed on any window sill. 

10. No sign or other representation shall be placed on the interior or exterior of the Building without prior written consent of
Landlord. 
 11. No hazardous articles shall be brought into or kept in the Building or Development at any time. No bicycles,
vehicles or animals of any kind shall be brought into or kept in or about the Building or Development 
 12. No marking,
painting, drilling, boring, cutting or defacing of the walls, floors or ceilings of the Building or Development shall be permitted without prior written consent of Landlord, which consent shall not be unreasonably withheld Plastic protective floor
mats shall be maintained over all carpeted area under desk chairs with casters. 

 13. The electrical system and lighting fixtures in the Building and the Demised Premises
shall not be altered or disturbed in any manner without prior written consent from Landlord, which consent shall not be unreasonably withheld. Any alterations or additions must be performed by licensed personnel authorized by Landlord 

14. The toilets and other plumbing fixtures shall not be used for any purpose other than that for which they are designed. No sweepings,
rubbish or other similar materials or substances shall be deposited therein. 
 15. Smoking is prohibited in the elevator,
hallways, corridors, stairs, lobbies and other common areas of the Building. 
 16. Tenant shall not waste electricity, water or
air conditioning and shall cooperate fully with Landlord to assure the most effective and efficient operation of the heating and/or air conditioning systems of the Building. 
 17. Tenant assumes full responsibility for protecting the Demised Premises from theft, robbery and pilferage. Except during Tenant’s normal business hours, Tenant shall keep all doors to the Demised
Premises locked and other means of entry to the demised Premises closed and secured 
 18. All cleaning, repairing, janitorial,
decorating, painting or other services and work in and about the Demised Premises shall be done only by authorized Building personnel. 
 19. Neither Tenant nor Tenant’s employees shall conduct advertising, solicitation or other general communication of any kind in the Building or Development or in, or from any vehicle within or
adjacent to the Development and neither Tenant nor its employees shall distribute literature, flyers, handouts or pamphlets of any kind in any of the common areas of the Building ox Development without the prior written consent of Landlord.

 20. Tenant shall not cook, otherwise prepare or sell, any food or beverages in or from the Demised Premises or Development

 21. Tenant shall not permit the use of any apparatus for sound production or transmission in such manner that the sound so
transmitted or produced shall be audible or vibrations therefrom shall be detectable beyond the Demised Premises. 
 22. Tenant
shall keep all electrical and mechanical apparatus free of vibration, noise and air waves which may be transmitted beyond the Demised Premises. 
 23. No floor covering shall be affixed to any floor in the Demised Premises by means of glue or other adhesive, unless the installation procedure is approved by Landlord 

24. Tenant shall comply with all rules and regulations established by Landlord pursuant to other applicable provisions of its lease.

 25. Tenant shall take no action that would interfere with the business of Landlord or any
other tenant or occupant in the Building or with the rights and privileges of any customer or other person(s) lawfully in and upon the Building, or that would violate Landlord’s labor contracts, if any, affecting the Building. 

26. Tenant shall participate and observe rules established by Landlord in connection with any parking program initiated by Landlord,
including use of automobile parking decals by all officers, agents and employees of Tenant 
 Landlord shall not be responsible
for the violation of any of the foregoing rules and regulations by other tenants of the Building or Development and shall not be obligated to enforce the same against other tenants. Landlord shall have the light to amend these rules and regulations
from time to time.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00187-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00187-of-00352.parquet"}]]