Document:

<PAGE>

                                                                   EXHIBIT 10.40

                                      LEASE

                                      from:

                     ELEVENTH SPRINGHILL LAKE ASSOCIATES LLC

                                     Lessor

                                       to:

                                  OLD LINE BANK

                                     Lessee

                                    Building:

                                  6301 Ivy Lane

                               Greenbelt, Maryland

<PAGE>

                                TABLE OF CONTENTS

<TABLE>
<S>                                                                          <C>
1. DESCRIPTION ...........................................................     3
2. TERM: .................................................................     3
3. BASIC RENT: ...........................................................     3
4. USE AND OCCUPANCY .....................................................     3
5. CARE AND REPAIR OF PREMISES/ENVIRONMENTAL: ............................     3
6. ALTERATIONS, ADDITIONS OR IMPROVEMENTS: ...............................     5
7. ACTIVITIES INCREASING FIRE INSURANCE RATES: ...........................     5
8. ASSIGNMENT AND SUBLEASE: ..............................................     5
9. COMPLIANCE WITH RULES AND REGULATIONS: ................................     9
10. DAMAGES TO BUILDING: .................................................     9
11. EMINENT DOMAIN: ......................................................    10
12. INSOLVENCY OF LESSEE: ................................................    10
13. LESSOR'S REMEDIES ON DEFAULT .........................................    10
14. DEFICIENCY: ..........................................................    10
15. SUBORDINATION OF LEASE: ..............................................    11
16. SECURITY DEPOSIT .....................................................    12
17. RIGHT TO CURE LESSEE'S BREACH: .......................................    12
18. MECHANIC'S LIENS .....................................................    12
19. RIGHT TO INSPECT AND REPAIR: .........................................    12
20. SERVICES TO BE PROVIDED BY LESSOR/LESSOR'S EXCULPATION: ..............    13
21. INTERRUPTION OF SERVICES OR USE: .....................................    13
22. BUILDING STANDARD OFFICE ELECTRICAL SERVICE: .........................    13
23. ADDITIONAL RENT: .....................................................    15
24. LESSEE'S ESTOPPEL: ...................................................    18
25. HOLDOVER TENANCY: ....................................................    18
26. RIGHT TO SHOW PREMISES: ..............................................    18
27. LESSOR'S WORK -- LESSEE'S DRAWINGS: ..................................    18
28. WAIVER OF TRIAL BY JURY ..............................................    19
29. LATE CHARGE: .........................................................    19
30. LESSEE'S INSURANCE: ..................................................    19
31. NO OTHER REPRESENTATIONS: ............................................    21
32. QUIET ENJOYMENT: .....................................................    21
</TABLE>
<PAGE>

<TABLE>
<S>                                                                          <C>
33. INDEMNITY: ...........................................................    21
34. ARTICLE HEADINGS: ....................................................    22
35. APPLICABILITY TO HEIRS AND ASSIGNS: ..................................    22
36. OUTSIDE PARKING SPACES: ..............................................    22
37. LESSOR'S LIABILITY FOR LOSS OF PROPERTY: .............................    22
38. PARTIAL INVALIDITY: ..................................................    22
39. LESSEE'S BROKER: .....................................................    22
40. PERSONAL LIABILITY: ..................................................    23
41. NO OPTION: ...........................................................    23
42. DEFINITIONS: .........................................................    23
43. LEASE COMMENCEMENT: ..................................................    24
44. NOTICES: .............................................................    24
45. ACCORD AND SATISFACTION: .............................................    24
46. EFFECT OF WAIVERS: ...................................................    25
47. LEASE CONDITION: .....................................................    25
48. MORTGAGEE'S NOTICE AND OPPORTUNITY TO CURE: ..........................    25
49. LESSOR'S RESERVED RIGHT: .............................................    25
50. CORPORATE AUTHORITY: .................................................    25
51. AFTER-HOURS USE: .....................................................    26
53. BUILDING PERMIT: .....................................................    26
54. TERMINATION OPTION: ..................................................    26
55. RENEWAL OPTIONS: .....................................................    27
56. BANK APPROVAL: .......................................................    28
</TABLE>

                                        i
<PAGE>

     LEASE, is made the 29st day of December, 2006 between ELEVENTH SPRINGHILL
LAKE ASSOCIATES LLC (herein referred to as "Lessor") whose address is c/o
Mack-Cali Realty Corporation, 343 Thornall Street, P.O. Box 7817, Edison, New
Jersey 08817-7817 and OLD LINE BANK (herein referred to as "Lessee") whose
address is 1525 Pointer Ridge Place, Bowie, MD 20716.

                                    PREAMBLE

                     BASIC LEASE PROVISIONS AND DEFINITIONS

In addition to other terms elsewhere defined in this Lease, the following terms
whenever used in this Lease shall have only the meanings set forth in this
section, unless such meanings are expressly modified, limited or expanded
elsewhere herein.

1.   ADDITIONAL RENT shall mean all sums in addition to Fixed Basic Rent payable
     by Lessee to Lessor pursuant to the provisions of the Lease.

2.   BASE PERIOD COSTS shall mean the following:

     A.   Base Operating Costs: Those Operating Costs incurred during Calendar
          Year 2006.

     B.   Base Real Estate Taxes: Those Real Estate Taxes incurred during
          Calendar Year 2006.

     C.   Base Insurance Costs: Those Insurance Costs incurred during Calendar
          Year 2006.

     D.   Base Utility and Energy Costs: Those Utility and Energy costs incurred
          during Calendar Year 2006.

3.   BUILDING shall mean 6301 Ivy Lane, Greenbelt, Maryland.

4.   BUILDING HOLIDAYS shall be those shown on Exhibit E.

5.   BUILDING HOURS shall be Monday through Friday, 8:00 a.m. to 6:00 p.m., but
     excluding those holidays as set forth on Exhibit E attached hereto and made
     a part hereof, except that Common Facilities, lighting in the Building and
     Office Building Area shall be maintained for such additional hours as, in
     Lessor's sole judgment, is necessary or desirable to insure proper
     operating of the Building and Office Building Area.

6.   COMMENCEMENT DATE is December 1, 2006 and shall for purposes hereof be
     subject to Articles 27 and 43 hereof.

7.   DEMISED PREMISES OR PREMISES shall be deemed to be 2,700 gross rentable
     square feet on the first (1st) floor as shown on Exhibit A hereto, which
     includes an allocable share of the Common Facilities as defined in Article
     42(b).

8.   EXHIBITS shall be the following, attached to this Lease and incorporated
     herein and made a part hereof.

Exhibit A       Location of Premises Exhibit A-1 Office
Building Area   Exhibit B Rules and Regulations
Exhibit C       Lessor's Work
Exhibit C-1     Air Conditioning &
                Heating Design Standards
Exhibit D       Cleaning Services
Exhibit E       Building Holidays
Exhibit F       Tenant Estoppel Certificate
Exhibit G       Commencement Date Agreement Exhibit H
                Termination Fee Amortization Schedules

9.   EXPIRATION DATE shall be the last day of the month in which the day before
     the five (5) year anniversary of the Commencement Date occurs, unless
     earlier terminated under the terms and conditions of this Lease.

<PAGE>

10.  FIXED BASIC RENT shall mean: THREE HUNDRED TWENTY-NINE THOUSAND SIX HUNDRED
     NINETY-SEVEN AND 00/100 DOLLARS ($329,697.00) for the Term payable as
     follows:

<TABLE>
<CAPTION>
                        Monthly     Per Sq. ft.
Year   Annual Rate   Installments      Rent
----   -----------   ------------   -----------
<S>    <C>           <C>            <C>
  1     $62,100.00      $5,175.00      $23.00
  2     $63,963.00      $5,330.25      $23.69
  3     $65,880.00      $5,490.00      $24.40
  4     $67,851.00      $5,654.25      $25.13
  5     $69,903.00      $5,825.25      $25.89
</TABLE>

11.  LESSEE'S BROKER shall mean Commercial 100.

12.  LESSEE'S PERCENTAGE shall be 2.41% subject to adjustment as provided for in
     Article 42(d).

13.  OFFICE BUILDING AREA is as set forth on Exhibit A-1.

14.  PARKING SPACES shall mean a total of eleven (11) spaces as follows:
     Garaged: 1
     Unassigned: 10

     In consideration of the garaged parking space, Lessee shall pay Lessor a
     fee of SEVENTY-FIVE AND 00/100 DOLLARS ($75.00) per month, as Additional
     Rent, in the same manner as Fixed Basic Rent.

15.  PERMITTED USE shall be commercial bank, general office use and for no other
     purpose.

16.  SECURITY DEPOSIT shall be FIVE THOUSAND ONE HUNDRED SEVENTY-FIVE AND 00/100
     DOLLARS ($5,175.00).

17.  TERM shall mean five (5) years from the Commencement Date, plus the number
     of days, if any, to have the Lease expire on the last day of a calendar
     month, unless extended pursuant to any option contained herein or unless
     terminated earlier under the terms and conditions of this Lease.

                              -- End of Preamble --

                                        2

<PAGE>

                                   WITNESSETH

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

1.   DESCRIPTION:

     Lessor hereby leases to Lessee, and Lessee hereby hires from Lessor, the
     Premises as defined in the Preamble which includes an allocable share of
     the Common Facilities, as shown on the plan or plans, initialed by the
     parties hereto, marked Exhibit A attached hereto and made part of this
     Lease in the Building as defined in the Preamble, (hereinafter called the
     "Building") which is situated on that certain parcel of land (hereinafter
     called "Office Building Area") as described on Exhibit A-1 attached hereto
     and made part of this Lease, together, with the right to use in common with
     other lessees of the Building, their invitees, customers and employees,
     those public areas of the Common Facilities as hereinafter defined.

2.   TERM:

     The Premises are leased for a term to commence on the Commencement Date,
     and to end at 12:00 midnight on the Expiration Date, all as defined in the
     Preamble.

3.   BASIC RENT:

     The Lessee shall pay to the Lessor during the Term, the Fixed Basic Rent as
     defined in the Preamble (hereinafter called "Fixed Basic Rent") payable in
     such coin or currency of the United States of America as at the time of
     payment shall be legal tender for the payment of public and private debts.
     The Fixed Basic Rent shall accrue at the Annual Rate as defined in the
     Preamble and shall be payable, in advance, on the first day of each
     calendar month during the Term at the Monthly Installments as defined in
     the Preamble, except that a proportionately lesser sum may be paid for the
     first and last months of the Term of this Lease if the Term commences on a
     day other than the first day of the month, in accordance with the
     provisions of this Lease herein set forth. Lessor acknowledges receipt from
     Lessee of the first monthly installment by check, subject to collection,
     for Fixed Basic Rent for the first month of the Lease Term. Lessee shall
     pay Fixed Basic Rent, and any Additional Rent as hereinafter provided, to
     Lessor at Lessor's above stated address, or at such other place as Lessor
     may designate in writing, without demand and without counterclaim,
     deduction or set off.

4.   USE AND OCCUPANCY:

     Lessee shall use and occupy the Premises for the Permitted Use as defined
     in the Preamble.

5.   CARE AND REPAIR OF PREMISES/ENVIRONMENTAL:

     (a)  Lessee shall commit no act of waste and shall take good care of the
          Premises and the fixtures and appurtenances therein, and shall, in the
          use and occupancy of the Premises, conform to all laws, orders and
          regulations of the federal, state and municipal governments or any of
          their departments affecting the Premises and with any and all
          environmental requirements resulting from the Lessee's use of the
          Premises, this covenant to survive the expiration or sooner
          termination of the Lease. Lessor shall, subject to the same being
          included in Operating Costs, make all necessary repairs to the
          Premises, Common Facilities and to the assigned parking areas, if any,
          except where the repair has been made necessary by misuse or neglect
          by Lessee or Lessee's agents, servants, visitors or licensees, in
          which event Lessor shall nevertheless make the repair but Lessee shall
          pay to Lessor, as Additional Rent, immediately upon demand, the costs
          therefor. All improvements made by Lessee to the Premises, which are
          so attached to the Premises, shall become the property of Lessor upon
          installation. Not later than the last day of the Term, Lessee shall,
          at Lessee's expense, remove all Lessee's personal property and those
          improvements made by Lessee which have not become the property of
          Lessor, including trade fixtures, cabinetwork, movable paneling,
          partitions and the like; repair all injury done by or in connection
          with the installation or removal of said property and improvements;
          and surrender the Premises in as good condition as they were at the
          beginning of the Term, reasonable wear and tear and damage by fire,
          the elements, casualty or other cause not due to the misuse or neglect
          by Lessee, Lessee's agents, servants, visitors or licensees excepted.
          All other property of Lessee remaining on the Premises after the last
          day of the Term of this Lease shall be conclusively deemed abandoned
          and may be removed by Lessor, and Lessee shall reimburse Lessor for
          the cost of such removal. Lessor may have any such property stored at
          Lessee's risk and expense.

<PAGE>

ENVIRONMENTAL

(b)  COMPLIANCE WITH ENVIRONMENTAL LAWS. Lessee shall, at Lessee's own expense,
     promptly comply with each and every federal, state, county and municipal
     environmental law, ordinance, rule, regulation, order, directive and
     requirement, now or hereafter existing ("Environmental Laws"), applicable
     to the Premises, Lessee, Lessee's operations at the Premises, or all of
     them.

(c)  Intentionally omitted.

(d)  INFORMATION TO LESSOR. At no expense to Lessor, Lessee shall promptly
     provide all information and sign all documents requested by Lessor with
     respect to compliance with Environmental Laws.

(e)  LESSOR AUDIT. Lessee shall permit Lessor and its representatives access to
     the Premises, from time to time upon reasonable notice (provided that no
     notice need be given in the event of an emergency), to conduct an
     environmental assessment, investigation and sampling, all at Lessee's own
     expense. Lessor shall not conduct any environmental audits at Lessee's
     expense more often than once every three (3) years, unless Lessor
     reasonably believes that there is an environmental condition affecting the
     Premises.

(f)  LESSEE REMEDIATION. Should any assessment, investigation or sampling reveal
     the existence of any spill, discharge or placement of Contaminants in, on,
     under, or about, or migrating from or onto the Premises, the Building, or
     the Office Building Area, as a result of the action or omission of Lessee
     or "Lessee Representative", then, in addition to being in default under
     this Lease and Lessor having all rights available to Lessor under this
     Lease and by law by reason of such default, Lesee shall, at Lessee's own
     expense, in accordance with Environmental Laws, undertake all action
     required by Lessor and any governmental authority, including, without
     limitation, promptly obtaining and delivering to Lessor an unconditional No
     Further Action Letter. For purposes of this Article, the term "Lessee's
     Representative" shall mean any shareholder, officer, director, member,
     partner, employee, agent, licensee, assignee, sublessee or invitee of
     Lessee, or any third party other than Lessor, or another lessee of the
     Building, or a shareholder, officer, director, member, partner, employee,
     agent, licensee, assignee, sublessee or invitee of such other lessee. In no
     event shally any of Lessee's remedial action involve engineering or
     institutional controls, a groundwater classification exception area or well
     restriction area, and Lessee's remedial action shall meet the applicable
     governmental remediation standards for soil, surface water, groundwater and
     drinking water. Promptly upon completion of all required investigatory and
     remedial activities, Lessee shall, at Lessee's own expense to Lessor's
     satisfaction, restor the affected areas of the Premises, the Building or
     the Office Building Area, as the case may be, from any damage or condition
     caused by the investigatory or remedial work.

(g)  ENIVORNMENTAL QUESTIONNAIRE. Upon Lessor's request, contemporaneously with
     the signing and delivery of this Lease, and thereafter upon renewal of the
     lease, it at all, Lessee shall complete, execute and deliver to Lessor and
     environmental questionnaire in form and substance satisfactory to Lessor.

<PAGE>

(h)  ENVIRONMENTAL DOCUMENTS AND CONDITIONS. For purposes of this Article, the
     term "Environmental Documents" shall mean all environmental documentation
     concerning the Building or the Office Building Area, of which the Premises
     is a part, or its environs, in the possession or under the control of
     Lessee, including, without limitation, plans, reports, correspondence and
     submissions. During the term of this Lease and subsequently, promptly upon
     receipt by Lessee or Lessee's Representatives, Lessee shall deliver to
     Lessor all Environmental Documents concerning or generated by or on behalf
     of Lessee, whether currently or hereafter existing. In addition, Lessee
     shall promptly notify Lessor of any environmental condition of which Lessee
     has knowledge, which may exist in, on, under, or about, or may be migrating
     from or onto the Building or the Office Building Area.

(i)  LESSOR'S RIGHT TO PERFORM LESSEE'S OBLIGATIONS. Notwithstanding anything to
     the contrary set forth in this Lease, in the event, pursuant to this Lease,
     Lessee is required to undertake any sampling, assessment, investigation or
     remediation with respect to the Premises, the Building or the Office
     Building Area, as the case may be, then, at Lessor's discretion, Lessor
     shall have the right, upon notice to Lessee, from time to time, to perform
     such activities at Lessee's expense, and all sums incurred by Lessor shall
     be paid by Lessee, as Additional Rent, upon demand.

(j)  INDEMNITY. Lessee shall indemnify, defend and hold harmless Lessor,
     Lessor's officers, directors, shareholders, employees and personal or legal
     representatives from and against any and all claims, liabilities, losses,
     damages, penalties and costs, foreseen or unforeseen, including, without
     limitation, counsel, engineering and other professional or expert fees,
     which an indemnified party may incur resulting directly or indirectly,
     wholly or partly from Lessee's actions or omissions with regard to Lessee's
     obligations under this Article.

(k)  SURVIVAL. This Article shall survive the expiration or earlier termination
     of this lease. Lessee's failure to abide by the terms of this Article shall
     be restrainable or enforceable, as the case may be, by injunction.

(l)  INTERPRETATION. The obligations imposed upon Lessee under subparagraphs (a)
     through (j) above are in addition to and are not intended to limit, but to
     expand upon, the obligations imposed upon Lessee under this Article 5. As
     used in this Article, the term "Contaminants" shall include, without
     limitation, any regulated substance, toxic substance, hazardous substance,
     hazardous waste, pollution, pollutant, contaminant, petroleum, asbestos or
     polychlorinated biphenyls, as defined or referred to in any Environmental
     Laws. Where a law or regulation defines any of these terms more broadly
     than another, the broader definition shall apply.

6.   ALTERATIONS, ADDITIONS OR IMPROVEMENTS:

     Lessee shall not, without first obtaining the written consent of Lessor,
     make any structural or Building Systems alterations, additions or
     improvements in, to or about the Premises. Building Systems shall mean any
     structural, life safety, plumbing, electrical, heating, ventilation or air
     conditioning system or its components. Lessee shall not, without first
     obtaining the written consent of Lessor (which shall not be unreasonably
     withheld or delayed) make any non-Building Systems alterations, additions
     or improvements in, to or about the Premises. Lessee may, upon notification
     to Lessor, perform minor cosmetic improvements, such as painting and
     wallpapering, without prior consent of Lessor.

7.   ACTIVITIES INCREASING FIRE INSURANCE RATES:

     Lessee shall not do or suffer anything to be done on the Premises which
     will increase the rate of fire insurance on the Building.

8.   ASSIGNMENT AND SUBLEASE:

     Provided Lessee is not in default of any provisions of this Lease, Lessee
     may assign or sublease the within Lease to any party subject to the
     following:

<PAGE>

     a.   In the event Lessee desires to assign this Lease or sublease all or
          part of the Premises to any other party, the terms and conditions of
          such assignment or sublease shall be communicated to the Lessor in
          writing no less than thirty (30) days prior to the effective date of
          any such sublease or assignment, and, prior to such effective date,
          the Lessor shall have the option, exercisable in writing to the
          Lessee, to: (i) sublease such space from Lessee at the lower rate of
          (a) the rental rate per rentable square foot of Fixed Basic Rent and
          Additional Rent then payable pursuant to this Lease or (b) the terms
          set forth in the proposed sublease, (ii) recapture in the case of
          subletting, that portion of the Premises to be sublet or all of the
          Premises in the case of an assignment ("Recapture Space") so that such
          prospective sublessee or assignee shall then become the sole Lessee of
          Lessor hereunder, or (iii) recapture the Recapture Space for Lessor's
          own use and the within Lessee shall be fully released from any and all
          obligations hereunder with respect to the Recapture Space.

     b.   In the event that the Lessor elects not to recapture the Lease or
          relet the Premises as hereinabove provided, the Lessee may
          nevertheless assign this Lease or sublet the whole or any portion of
          the Premises, subject to the Lessor's prior written consent, which
          consent shall not be unreasonably withheld, on the basis of the
          following terms and conditions:

          i.   The Lessee shall provide to the Lessor the name and address of
               the assignee or sublessee.

          ii.  The assignee or sublessee shall assume, by written instrument,
               all of the obligations of this Lease, and a copy of such
               assumption agreement shall be furnished to the Lessor within ten
               (10) days of its execution. Any sublease shall expressly
               acknowledge that said sublessee's rights against Lessor shall be
               no greater than those of Lessee. Lessee further agrees that
               notwithstanding any such subletting, no other and further
               subletting of the Premises by Lessee or any person claiming
               through or under Lessee shall or will be made except upon
               compliance with and subject to the provisions of this Article 8.

          iii. Each sublease shall provide that it is subject and subordinate to
               this Lease and to the matters to which this Lease is or shall be
               subordinate, and that in the event of default by Lessee under
               this Lease, Lessor may, at its option, take over all of the
               right, title and interest of Lessee, as sublessor, under such
               sublease, and such sublessee shall, at Lessor's option, attorn to
               Lessor pursuant to the then executory provisions of such
               sublease, except that Lessor shall not (i) be liable for any
               previous act or omission of Lessee under such sublease or, (ii)
               be subject to any offset not expressly provided in such sublease
               which theretofore accrued to such sublease to which Lessor has
               not specifically consented in writing or by any previous
               prepayment of more than one month's rent.

          iv.  The Lessee and each assignee shall be and remain liable for the
               observance of all the covenants and provisions of this Lease,
               including, but not limited to, the payment of Fixed Basic Rent
               and Additional Rent reserved herein, through the entire Term of
               this Lease, as the same may be renewed, extended or otherwise
               modified.

          v.   The Lessee and any assignee shall promptly pay to Lessor any
               consideration received for any assignment and/or all of the rent,
               as and when received, in excess of the Rent required to be paid
               by Lessee for the area sublet computed on the basis of an average
               square foot rent for the gross square footage Lessee has leased.

          vi.  In any event, the acceptance by the Lessor of any rent from the
               assignee or from any of the subtenants or the failure of the
               Lessor to insist upon a strict performance of any of the terms,
               conditions and covenants herein shall not release the Lessee
               herein, nor any assignee assuming this Lease, from any and all of
               the obligations herein during and for the entire Term of this
               Lease.

          vii. In Lessor's reasonable judgment, the proposed assignee or
               subtenant is engaged in a business or activity, and the Premises,
               or the relevant part thereof, will be used in a manner, which (a)
               is in keeping with the then standard of the Building and (b) is
               limited to the Permitted Use.

<PAGE>

          viii. The proposed assignee or subtenant shall be an entity which has
               existed for at least one (1) year and is not then an occupant of
               any part of the Building or any other building then owned by
               Lessor or its affiliates within a five-mile radius of the
               Building.

          ix.  The proposed assignee or subtenant is not an entity or a person
               with whom Lessor is or has been, within the preceding twelve (12)
               month period, negotiating to lease space in the Building or any
               other building owned by Lessor or its affiliates within a
               five-mile radius of the Building.

          x.   There shall not be more than one (1) subtenant in the Premises.

          xi.  Lessee shall not advertise the subtenancy for less than the then
               current market rent per rentable square foot for the Premises as
               though the Premises were vacant.

          xii. Lessee shall not have (a) publicly advertised the availability of
               the Premises without prior notice to and approval by Lessor, nor
               shall any advertisement state the name (as distinguished from the
               address) of the Building or (b) listed the Premises for
               subletting or assignment with other than a broker, agent or
               representative who waives any entitlement to a commission or
               other fee from Lessor in the event of a recapturing of the
               Premises;

          xiii. The proposed occupancy shall not, in Lessor's reasonable
               opinion, increase the density of population using the Demised
               Premises to exceed one (1) person per 250 gross rentable square
               feet of space or exceed the parking allocation presently provided
               for in this Lease;

          xiv. The proposed assignee or subtenant shall only use the Premises
               for the Permitted Use and shall not be engaged in any of the
               following:

               (a)  educational, including but not limited to, instructional
                    facilities and correspondence schools;

               (b)  employment agencies;

               (c)  model agencies;

               (d)  photographic studios or laboratories;

               (e)  spas, health, physical fitness or exercise salons;

               (f)  small loan offices;

               (g)  real estate brokerage or real estate sales offices open to
                    the general public or construction offices;

               (h)  medical or dental facilities, including professional
                    offices, treatment facilities, dispensaries or laboratories;

               (i)  federal, state or local government offices;

               (j)  so-called boiler room operations;

               (k)  retail stock brokerage offices; and

               (l)  religious organizations making facilities available to
                    congregations for uses other than business purposes; and

               (m)  executive office suite use.

          xv.  The proposed assignee or subtenant shall not be entitled,
               directly or indirectly, to diplomatic or sovereign immunity and
               shall be subject to the service of process in, and the
               jurisdiction of, the state courts of Maryland.

          xvi. Lessor shall require a FIVE HUNDRED AND 00/100 DOLLAR ($500.00)
               payment to cover its handling charges for each request for
               consent to any sublet or assignment prior to its consideration of
               the same. Lessee acknowledges that its sole remedy with respect
               to any assertion that Lessor's failure to consent to any sublet
               or assignment is unreasonable shall be the remedy of specific
               performance and Lessee shall have no other claim or cause of
               action against Lessor as a result of Lessor's actions in refusing
               to consent thereto.

<PAGE>

     c.   If Lessee is a corporation other than a corporation whose stock is
          listed and traded on a nationally recognized stock exchange, the
          provisions of Sub-section a. shall apply to a transfer (however
          accomplished, whether in a single transaction or in a series of
          related or unrelated transactions) of stock (or any other mechanism
          such as, by way of example, the issuance of additional stock, a stock
          voting agreement or change in class(es) of stock) which results in a
          change of control of Lessee as if such transfer of stock (or other
          mechanism) which results in a change of control of Lessee were an
          assignment of this Lease, and if Lessee is a partnership or joint
          venture, said provisions shall apply with respect to a transfer (by
          one or more transfers) of an interest in the distributions of profits
          and losses of such partnership or joint venture (or other mechanism,
          such as, by way of example, the creation of additional general
          partnership or limited partnership interests) which results in a
          change of control of such a partnership or joint venture, as if such
          transfer of an interest in the distributions of profits and losses of
          such partnership or joint venture which results in a change of control
          of such partnership or joint venture were an assignment of this Lease;
          but said provisions shall not apply to transactions with a corporation
          into or with which Lessee is merged or consolidated or to which all or
          substantially all of Lessee's assets are transferred or to any
          corporation which controls or is controlled by Lessee or is under
          common control with Lessee, provided that in the event of such merger,
          consolidation or transfer of all or substantially all of Lessee's
          assets (i) the successor to Lessee has a net worth computed in
          accordance with generally accepted accounting principles at least
          equal to the greater of (1) the net worth of Lessee immediately prior
          to such merger, consolidation or transfer, or (2) the net worth of
          Lessee herein named on the date of this Lease, and (ii) proof
          satisfactory to Lessor of such net worth shall have been delivered to
          Lessor at least 10 days prior to the effective date of any such
          transaction.

          Notwithstanding the foregoing provisions of this subparagraph (c), all
          times while Lessee is a corporation, the capital stock of which is
          traded on any public securities exchange in the United States of
          America, Lessor's consent shall not be required with respect to any
          assignment of the Lease or subletting of the Premises to a legally
          formed and validly existing entity qualified to transact business in
          the State of Maryland, and having a financial net worth (including
          capital and surplus) at least equal to that of Lessee as existing at
          the date of this Lease (an "Affiliate Transfer"). Lessee will provide
          Lessor a copy of the fully executed instruments covering such
          Affiliate Transfer within thirty (30) days after execution thereof.
          However, no assignment of this Lease, nor any subletting of the
          Premises in whole or part, whether or not consented to by Lessor,
          shall relieve Lessee from nor diminish Lessee=s obligations under this
          Lease, nor result in any change of use of the Premises from the
          Permitted Use.

          d.   In the event that any or all of Lessee's interest in the Premises
               and/or this Lease is transferred by operation of law to any
               trustee, receiver, or other representative or agent of Lessee, or
               to Lessee as a debtor in possession, and subsequently any or all
               of Lessee's interest in the Premises and/or this Lease is offered
               or to be offered by Lessee or any trustee, receiver, or other
               representative or agent of Lessee as to its estate or property
               (such person, firm or entity being hereinafter referred to as the
               "Grantor"), for assignment, conveyance, lease, or other
               disposition to a person, firm or entity other than Lessor (each
               such transaction being hereinafter referred to as a
               "Disposition"), it is agreed that Lessor has and shall have a
               right of first refusal to purchase, take, or otherwise acquire,
               the same upon the same terms and conditions as the Grantor
               thereof shall accept upon such Disposition to such other person,
               firm, or entity; and as to each such Disposition the Grantor
               shall give written notice to Lessor in reasonable detail of all
               of the terms and conditions of such Disposition within twenty
               (20) days next following its determination to accept the same but
               prior to accepting the same, and Grantor shall not make the
               Disposition until and unless Lessor has failed or refused to
               accept such right of first refusal as to the Disposition, as set
               forth herein.

               Lessor shall have thirty (30) days next following its receipt of
               the written notice as to such Disposition in which to exercise
               the option to acquire Lessee's interest by such Disposition, and
               the exercise of the option by Lessor shall be effected by notice
               to that effect sent to the Grantor; but nothing herein shall
               require Lessor to accept a particular Disposition or any
               Disposition, nor does the rejection of any one such offer of
               first refusal constitute a waiver or release of the obligation of
               the Grantor to submit other offers hereunder to Lessor. In the
               event Lessor accepts such offer of first refusal, the transaction
               shall be consummated pursuant to the terms and conditions of the
               Disposition described in the notice to Lessor. In the event
               Lessor rejects such offer of first refusal, Grantor may
               consummate the Disposition with such other person, firm, or
               entity; but any decrease in price of more than two percent (2%)
               of the price sought from Lessor or any change in the terms of
               payment for such Disposition shall constitute a new transaction
               requiring a further option of first refusal to be given to Lessor
               hereunder.

<PAGE>

          e.   Without limiting any of the provisions of Articles 12 and 13, if
               pursuant to the Federal Bankruptcy Code (herein referred to as
               the "Code"), or any similar law hereafter enacted having the same
               general purpose, Lessee is permitted to assign this Lease
               notwithstanding the restrictions contained in this Lease,
               adequate assurance of future performance by an assignee expressly
               permitted under such Code shall be deemed to mean the deposit of
               cash security in an amount equal to the sum of six (6) month's
               Fixed Basic Rent plus an amount equal to the Additional Rent for
               the six (6) months preceding the year in which such assignment is
               intended to become effective, which deposit shall be held by
               Lessor for the balance of the Term, without interest, as security
               for the full performance of all of Lessee's obligations under
               this Lease, to be held and applied in the manner specified for
               security in Article 16.

          f.   Except as specifically set forth above, no portion of the
               Premises or of Lessee's interest in this Lease may be acquired by
               any other person or entity, whether by assignment, mortgage,
               sublease, transfer, operation of law or act of the Lessee, nor
               shall Lessee pledge its interest in this Lease or in any security
               deposit required hereunder.

9.   COMPLIANCE WITH RULES AND REGULATIONS:

     Lessee shall observe and comply with the rules and regulations hereinafter
     set forth in Exhibit B attached hereto and made a part hereof and with such
     further reasonable rules and regulations as Lessor may prescribe, on
     written notice to the Lessee, for the safety, care and cleanliness of the
     Building and the comfort, quiet and convenience of other occupants of the
     Building. Lessee shall not place a load upon any floor of the Premises
     exceeding the floor load per square foot area which it was designed to
     carry and which is allowed by law. Lessor reserves the right to prescribe
     the weight and position of all safes, business machines and mechanical
     equipment. Such installations shall be placed and maintained by Lessee, at
     Lessee's expense, in settings sufficient, in Lessor's judgment, to absorb
     and prevent vibration, noise and annoyance.

10.  DAMAGES TO BUILDING:

     If the Building is damaged by fire or any other cause to such extent the
     cost of restoration, as reasonably estimated by Lessor, will equal or
     exceed twenty-five percent (25%) of the replacement value of the Building
     (exclusive of foundations) just prior to the occurrence of the damage, then
     Lessor may, no later than the sixtieth (60th) day following the date of
     damage, give Lessee a notice of election to terminate this Lease, or if the
     cost of restoration will equal or exceed fifty percent (50%) of such
     replacement value and if the Premises shall not be reasonably usable for
     the purpose for which they are leased hereunder, then Lessee may, no later
     than the sixtieth (60th) day following the date of damage, give Lessor a
     notice of election to terminate this Lease. In either said event of
     election, this Lease shall be deemed to terminate on the thirtieth (30th)
     day after the giving of said notice, and Lessee shall surrender possession
     of the Premises within a reasonable time thereafter, and the Fixed Basic
     Rent, and any Additional Rent, shall be apportioned as of the date of said
     surrender and any Fixed Basic Rent or Additional Rent paid for any period
     beyond said date shall be repaid to Lessee. If the cost of restoration
     shall not entitle Lessor to terminate this Lease, or if, despite the cost,
     Lessor does not elect to terminate this Lease, Lessor shall restore the
     Building and the Premises with reasonable promptness, subject to Force
     Majeure, and Lessee shall have no right to terminate this Lease. Lessor
     need not restore fixtures and improvements owned by Lessee.

     In any case in which all or part of the Premises becomes untenantable by
     Lessee for a consecutive period of more than thirty (30) days as a result
     of fire, the elements or other insured casualty no caused by the negligence
     or wrongful conduct of Lessee, Lessee shall be entitled to an abatement of
     the Fixed Basic Rent and Additional Rent from the date of such damage to
     the date when the Premises have been substantially restored. The words
     "restoration" and "restore" as used in this Article 10 shall include
     repairs. If the damage results from the fault of the Lessee, Lessee's
     agents, servants, visitors or licensees, Lessee shall not be entitled to
     any abatement or reduction in Fixed Basic Rent, except to the extent of any
     rent insurance received by Lessor.

<PAGE>

11.  EMINENT DOMAIN:

     If Lessee's use of the Premises is materially affected due to the taking by
     eminent domain of (a) the Premises or any part thereof or any estate
     therein; or (b) any other part of the Building; then, in either event, this
     Lease shall terminate on the date when title vests pursuant to such taking.
     The Fixed Basic Rent, and any Additional Rent, shall be apportioned as of
     said termination date and any Fixed Basic Rent or Additional Rent paid for
     any period beyond said date, shall be repaid to Lessee. Lessee shall not be
     entitled to any part of the award for such taking or any payment in lieu
     thereof, but Lessee may file a separate claim for any taking of fixtures
     and improvements owned by Lessee which have not become the Lessor's
     property, and for moving expenses, provided the same shall, in no way,
     affect or diminish Lessor's award. In the event of a partial taking which
     does not effect a termination of this Lease but does deprive Lessee of the
     use of a portion of the Premises, there shall either be an abatement or an
     equitable reduction of the Fixed Basic Rent, and an equitable adjustment
     reducing the Base Period Costs as hereinafter defined depending on the
     period for which and the extent to which the Premises so taken are not
     reasonably usable for the purpose for which they are leased hereunder.

12.  INSOLVENCY OF LESSEE:

     Either (a) the appointment of a receiver to take possession of all or
     substantially all of the assets of Lessee, or, (b) a general assignment by
     Lessee for the benefit of creditors, or, (c) any action taken or suffered
     by Lessee under any insolvency or bankruptcy act, shall constitute a
     default of this Lease by Lessee, and Lessor may terminate this Lease
     forthwith and upon notice of such termination Lessee's right to possession
     of the Premises shall cease, and Lessee shall then quit and surrender the
     Premises to Lessor but Lessee shall remain liable as hereinafter provided
     in Article 14 hereof.

13.  LESSOR'S REMEDIES ON DEFAULT:

     If Lessee defaults in the payment of Fixed Basic Rent, or any Additional
     Rent, or defaults in the performance of any of the other covenants and
     conditions hereof or permits the Premises to become deserted, abandoned or
     vacated, Lessor shall give Lessee written notice of such default, and if
     Lessee does not cure any Fixed Basic Rent or Additional Rent default within
     ten (10) days or other default within twenty (20) days after giving of such
     notice (or if such other default is of such nature that it cannot be
     completely cured within such period, if Lessee does not commence such
     curing within such fifteen (15) days and thereafter proceed with reasonable
     diligence and in good faith to cure such default), then Lessor may
     terminate this Lease on not less than ten (10) days notice to Lessee, and
     on the date specified in said notice, Lessee's right to possession of the
     Premises shall cease but Lessee shall remain liable as hereinafter
     provided. If this Lease shall have been so terminated by Lessor pursuant to
     Articles 12 or 13 hereof, Lessor may at any time thereafter resume
     possession of the Premises by any lawful means and remove Lessee or other
     occupants and their effects. Lessee shall pay to Lessor, on demand, such
     normal and customary expenses as Lessor may incur, including, without
     limitation, court costs and reasonable attorney's fees and disbursements,
     in enforcing the performance of any obligation of Lessee under this Lease.

<PAGE>

14.  DEFICIENCY:

     In any case where Lessor has recovered possession of the Premises by reason
     of Lessee's default, Lessor may, at Lessor's option, occupy the Premises or
     cause the Premises to be redecorated, altered, divided, consolidated with
     other adjoining premises or otherwise changed or prepared for reletting,
     and may relet the Premises or any part thereof, as agent of Lessee or
     otherwise, for a term or terms to expire prior to, at the same time as or
     subsequent to, the original Expiration Date of this Lease, at Lessor's
     option and receive the rent therefor.

     Rent so received shall be applied first to the payment of such normal and
     customary expenses as Lessor may have incurred in connection with the
     recovery of possession, redecorating, altering, dividing, consolidating
     with other adjoining premises, or otherwise changing or preparing for
     reletting, and the reletting, including brokerage and reasonable attorney's
     fees, and then to the payment of damages in amounts equal to the Fixed
     Basic Rent and Additional Rent hereunder and to the costs and expenses of
     performance of the other covenants of Lessee as herein provided. Lessee
     agrees, in any such case, whether or not Lessor has relet, to pay to Lessor
     damages equal to the Fixed Basic Rent and Additional Rent from the date of
     such default to the date of expiration of the term demised and other sums
     herein agreed to be paid by Lessee, less the net proceeds of the reletting,
     if any, received by Lessor during the remainder of the unexpired term
     hereof, as ascertained from time to time, and the same shall be payable by
     Lessee on the several rent days above specified. Lessee shall not be
     entitled to any surplus accruing as a result of any such reletting. In
     reletting the Premises as aforesaid, Lessor may grant rent concessions, and
     Lessee shall not be credited therewith. No such reletting shall constitute
     a surrender and acceptance or be deemed evidence thereof. If Lessor elects,
     pursuant hereto, actually to occupy and use the Premises or any part
     thereof during any part of the balance of the Term as originally fixed or
     since extended, there shall be allowed against Lessee's obligation for rent
     or damages as herein defined, during the period of Lessor's occupancy, the
     reasonable value of such occupancy, not to exceed, in any event, the Fixed
     Basic Rent and Additional Rent herein reserved and such occupancy shall not
     be construed as a release of Lessee's liability hereunder.

     Alternatively, and in lieu of the immediately preceding paragraph, in any
     case where Lessor has recovered possession of the Premises by reason of
     Lessee's default, Lessor may at Lessor's option, and at any time
     thereafter, and without notice or other action by Lessor, and without
     prejudice to any other rights or remedies it might have hereunder or at law
     or equity, become entitled to recover from Lessee, as Damages for such
     breach, in addition to such other sums herein agreed to be paid by Lessee,
     to the date of re-entry, expiration and/or dispossess, an amount equal to
     the difference between the Fixed Basic Rent and Additional Rent reserved in
     this Lease from the date of such default to the date of Expiration of the
     original Term demised and the then fair and reasonable rental value of the
     Premises for the same period. Said Damages shall become due and payable to
     Lessor immediately upon such breach of this Lease and without regard to
     whether this Lease be terminated or not, and if this Lease be terminated,
     without regard to the manner in which it is terminated. In the computation
     of such Damages, the difference between an installment of Fixed Basic Rent
     and Additional Rent thereafter becoming due and the fair and reasonable
     rental value of the Premises for the period for which such installment was
     payable shall be discounted to the date of such default at the rate of not
     more than six percent (6%) per annum.

     Lessee hereby waives all right of redemption to which Lessee or any person
     under Lessee might be entitled by any law now or hereafter in force.

     Lessor's remedies hereunder are in addition to any remedy allowed by law.

15.  SUBORDINATION OF LEASE:

     This Lease shall, at Lessor's option, or at the option of any holder of any
     underlying lease or holder of any mortgages or trust deed, be subject and
     subordinate to any such underlying leases and to any such mortgages or
     trust deed which may now or hereafter affect the real property of which the
     Premises form a part, and also to all renewals, modifications,
     consolidations and replacements of said underlying leases and said
     mortgages or trust deed. Although no instrument or act on the part of
     Lessee shall be necessary to effectuate such subordination, Lessee will,
     nevertheless, execute and deliver such further instruments confirming such
     subordination of this Lease as may be desired by the holders of said
     mortgages or trust deed or by any of the lessor's under such underlying
     leases. Lessee hereby appoints Lessor attorney-in-fact, irrevocably, to
     execute and deliver any such instrument for Lessee. If any underlying lease
     to which this Lease is subject terminates, Lessee shall, on timely request,
     attorn to the owner of the reversion.
<PAGE>

16.  SECURITY DEPOSIT:

     Lessee shall deposit with Lessor on the signing of this Lease, the Security
     Deposit as defined in the Preamble for the full and faithful performance of
     Lessee's obligations under this Lease, including without limitation, the
     surrender of possession of the Premises to Lessor as herein provided. If
     Lessor applies any part of said Security Deposit to cure any default of
     Lessee, Lessee shall, on demand, deposit with Lessor the amount so applied
     so that Lessor shall have the full Security Deposit on hand at all times
     during the Term of this Lease. In the event a bona fide sale, subject to
     this Lease, Lessor shall have the right to transfer the Security Deposit to
     the vendee, and Lessor shall be considered released by Lessee from all
     liability for the return of the Security Deposit; and Lessee agrees to look
     solely to the new lessor for the return of the Security Deposit, and it is
     agreed that this shall apply to every transfer or assignment made of the
     Security Deposit to the new lessor. Provided this Lease is not in default,
     the Security Deposit (less any portions thereof used, applied or retained
     by Lessor in accordance with the provisions of this Article 16), shall be
     returned to Lessee after the expiration or sooner termination of this Lease
     and after delivery of the entire Premises to Lessor in accordance with the
     provisions of this Lease. Lessee covenants that it will not assign or
     encumber or attempt to assign or encumber the Security Deposit and Lessor
     shall not be bound by any such assignment, encumbrance or attempt thereof.

     In the event of the insolvency of Lessee, or in the event of the entry of a
     judgment in any court against Lessee which is not discharged within thirty
     (30) days after entry, or in the event a petition is filed by or against
     Lessee under any chapter of the bankruptcy laws of the State of Maryland or
     the United States of America, then in such event, Lessor may require the
     Lessee to deposit additional security in an amount which in Lessor's sole
     judgment would be sufficient to adequately assure Lessee's performance of
     all of its obligations under this Lease including all payments subsequently
     accruing. Failure of Lessee to deposit the security required by this
     Article 16 within ten (10) days after Lessor's written demand shall
     constitute a material breach of this Lease by Lessee.

17.  RIGHT TO CURE LESSEE'S BREACH:

     If Lessee breaches any covenant or condition of this Lease, Lessor may, on
     reasonable written notice to Lessee (except that no notice need be given in
     case of emergency), cure such breach at the expense of Lessee and the
     reasonable amount of all expenses, including attorney's fees, incurred by
     Lessor in so doing (whether paid by Lessor or not) shall be deemed
     Additional Rent payable on demand.

18.  MECHANIC'S LIENS:

     Lessee shall, within fifteen (15) days after notice from Lessor, discharge
     or satisfy by bonding or otherwise any mechanic liens for materials or
     labor claimed to have been furnished to the Premises on Lessee's behalf.

19.  RIGHT TO INSPECT AND REPAIR:

     Lessor may enter the Premises but shall not be obligated to do so (except
     as required by any specific provision of this Lease) at any reasonable time
     on reasonable notice to Lessee (except that no notice need be given in case
     of emergency) for the purpose of inspection or the making of such repairs,
     replacement or additions in, to, on and about the Premises or the Building,
     as Lessor deems necessary or desirable. Lessee shall have no claims or
     cause of action against Lessor by reason thereof. When entering the
     Premises, Lessor shall be accompanied by a representative of Lessee. Lessee
     shall make such representative available upon reasonable notice from Lessor
     (except that no notice need be given in case of emergency). Lessor shall
     use reasonable efforts to minimize its interference with Lessee's business
     operation in the Premises. In no event shall Lessee have any claim against
     Lessor for interruption of Lessee's business, however occurring, including
     but not limited to that arising from the negligence of Lessor, its agents,
     servants or invitees, or from defects, errors or omissions in the
     construction or design of the Premises and/or the Building, including the
     structural and non-structural portions thereof.

<PAGE>

20.  SERVICES TO BE PROVIDED BY LESSOR/LESSOR'S EXCULPATION:

     Subject to intervening laws, ordinances, regulations and executive orders,
     while Lessee is not in default under any of the provisions of this Lease,
     Lessor agrees to furnish, except on holidays, as set forth on Exhibit E
     attached hereto and made a part hereof:

     a. The cleaning services, as set forth on Exhibit D attached hereto and
     made a part hereof, and subject to the conditions therein stated. Except as
     set forth on Exhibit D, Lessee shall pay the cost of all other cleaning
     services required by Lessee.

     b. Heating, ventilating and air conditioning (herein "HVAC") as appropriate
     for the season, and as set forth on Exhibit C-1, attached hereto and made a
     part hereof, together with Common Facilities lighting and electric energy
     all during Building Hours, as defined in the Preamble.

     c. Cold and hot water for drinking and lavatory purposes.

     d. Elevator service during Building Hours (if the Building contains an
     elevator or elevators for the use of the occupants thereof).

     e. Restroom supplies and exterior window cleaning when reasonably required.

     f. Notwithstanding the requirements of Exhibit C-1 (as to HVAC) or D or any
     other provision of this Lease, Lessor shall not be liable for failure to
     furnish any of the aforesaid services when such failure is due to Force
     Majeure, as hereinafter defined. Lessor shall not be liable, under any
     circumstances, including, but not limited to, that arising from the
     negligence of Lessor, its agents, servants or invitees, or from defects,
     errors or omissions in the construction or design of the Premises and/or
     the Building, including the structural and non-structural portions thereof,
     for loss of or injury to Lessee or to property, however occurring, through
     or in connection with or incidental to the furnishings of, or failure to
     furnish, any of the aforesaid services or for any interruption to Lessee's
     business, however occurring.

21.  INTERRUPTION OF SERVICES OR USE:

     Interruption or curtailment of any service maintained in the Building or at
     the Office Building Area, if caused by Force Majeure, as hereinafter
     defined, shall not entitle Lessee to any claim against Lessor or to any
     abatement in rent, and shall not constitute a constructive or partial
     eviction, unless Lessor fails to take measures as may be reasonable under
     the circumstances to restore the service without undue delay. If the
     Premises are rendered untenantable in whole or in part, for a period of ten
     (10) consecutive business days, by the making of repairs, replacements or
     additions, other than those made with Lessee's consent or caused by misuse
     or neglect by Lessee, or Lessee's agents, servants, visitors or licensees,
     there shall be a proportionate abatement of Rent from and after said tenth
     (10th) consecutive business day and continuing for the period of such
     untenantability. In no event, shall Lessee be entitled to claim a
     constructive eviction from the Premises unless Lessee shall first have
     notified Lessor in writing of the condition or conditions giving rise
     thereto, and if the complaints be justified, unless Lessor shall have
     failed, within a reasonable time after receipt of such notice, to remedy,
     or commence and proceed with due diligence to remedy such condition or
     conditions, all subject to Force Majeure as hereinafter defined.

22.  BUILDING STANDARD OFFICE ELECTRICAL SERVICE:

     The cost of electric current which is supplied by the Lessor for use by the
     Lessee in the Premises, other than for heating or air conditioning
     purposes, shall be reimbursed to the Lessor at terms, classification and
     rates normally charged by the public utility companies serving that part of
     the municipality where the subject Premises are located, plus if applicable
     the utility rate charged by the energy supply company.

<PAGE>

     a.   From and after the Commencement Date, Lessee agrees to pay as
          Additional Rent an estimated electrical charge of $.10 per square foot
          per month, payable on the first day of each and every month, until
          such time as an electrical survey can be performed pursuant to Article
          22(b) below.

     b.   Lessee agrees that an independent electrical engineering consultant
          shall make a survey of electric power demand of the electric lighting
          fixtures and the electric equipment of Lessee used in the Premises to
          determine the average monthly electric consumption thereof, and the
          costs of said survey shall be borne by Lessee. The findings of said
          consultant as to the average monthly electric consumption of Lessee
          shall, unless objected to by Lessee within forty-five (45) days, be
          conclusive and binding on Lessor and Lessee. After Lessor's consultant
          has submitted its report, Lessee shall pay to Lessor, within ten (10)
          days after demand therefor by Lessor, the amount (based on the monthly
          consumption found by such consultant) as owing from the Lease Term's
          Commencement Date, and the then expired months, to include the then
          current month and thereafter adjusted for the estimated electrical
          charges already paid pursuant to Article 22(a), on the first day of
          every month, in advance, the amount set forth as the monthly
          consumption in said report. Said amounts shall be treated as
          Additional Rent due hereunder. Proportionate sums shall be payable for
          periods of less than a full month if the Term commences or ends on any
          other than the first or last day of the month. If Lessee objects to
          said findings, Lessee shall nevertheless pay and continue to pay the
          amount determined by Lessor's consultant until the issue is finally
          resolved, but Lessee may, at its expense, seek the services of an
          independent electrical consultant who shall make a survey as provided
          above. If Lessor's and Lessee's consultant cannot agree as to Lessee's
          consumption within thirty (30) days of Lessee's consultant's findings
          either Lessor or Lessee may request the American Arbitration
          Association at its office nearest the Building to appoint an
          electrical engineering consultant whose decision shall be final and
          binding on Lessor and Lessee, and whose cost shall be shared equally.
          Upon the issue being finally resolved, any overpayment made by Lessee
          shall be promptly refunded.

          c. In the event that there shall be an increase or decrease in the
          rate schedule (including surcharges or demand adjustments), of the
          public utility for the supply of Building Standard Office Electrical
          Service, or the imposition of any tax with respect to such service or
          increase in any such tax following the Lease Term's commencement, the
          Additional Rent payable hereunder shall be adjusted equitably to
          reflect the increase or decrease in rate or imposition or increase in
          the aforesaid tax. All computations shall be made on the basis of
          Lessee's surveyed usage as if a meter exclusively measuring such usage
          to the Premises was in place.

          d. Lessee covenants that it shall notify Lessor immediately upon the
          introduction of any office equipment or lighting different from that
          on the Premises as of Lessor's electrical survey or in addition to the
          aforesaid equipment or lighting on the Premises as of said survey. The
          introduction of any new or different equipment or lighting shall be
          cause for, at Lessor's election, a resurveying of the Premises at
          Lessee's expense. Lessor reserves the right to inspect the Premises to
          insure compliance with this provision.

          e. Lessor shall not be liable in any way to Lessee for any loss,
          damage or expense which Lessee may sustain or incur as a result of any
          failure, defect or change in the quantity or character of electrical
          energy available for redistribution to the Premises pursuant to this
          Article 22 nor for any interruption in the supply, and Lessee agrees
          that such supply may be interrupted for inspection, repairs and
          replacement and in emergencies. In any event, the full measure of
          Lessor's liability for any interruption in the supply due to Lessor's
          acts or omissions shall be an abatement of Fixed Basic Rent and
          Additional Rent, unless Lessor fails to take such measures as may be
          reasonable under the circumstances to restore such service without
          undue delay. In no event shall Lessor be liable for any business
          interruption suffered by Lessee.

          f. Lessor, at Lessee's expense, shall furnish and install all
          replacement lighting tubes, lamps, ballasts and bulbs required in the
          Premises. Lessee, however, shall have the right to furnish and/or
          install any or all of the items mentioned in this Article 22(f).

          g. Lessee's use of electrical service as contemplated herein shall be
          during Building Hours, and any use in excess of said Building Hours
          shall result in an adjustment as set forth in Article 22(a) hereof to
          reflect such additional consumption.

<PAGE>

23.  ADDITIONAL RENT:

     It is expressly agreed that Lessee will pay in addition to the Fixed Basic
     Rent provided in Article 3 hereof, an Additional Rent to cover Lessee's
     Percentage as defined in the Preamble, of the increased cost to Lessor, for
     each of the categories enumerated herein, over the "Base Period Costs", as
     defined in the Preamble for said categories.

     a.   OPERATING COST ESCALATION -- If the Operating Costs incurred for the
          Building in which the Premises are located and Office Building Area
          for any Lease Year or Partial Lease Year during the Lease Term shall
          be greater than the Base Operating Costs (adjusted proportionately for
          periods less than a Lease Year), then Lessee shall pay to Lessor, as
          Additional Rent, Lessee's Percentage of all such excess Operating
          Costs. Operating Costs shall include, by way of illustration and not
          of limitation: personal property taxes; management fees; labor,
          including all wages and salaries; social security taxes, and other
          taxes which may be levied against Lessor upon such wages and salaries;
          supplies; repairs and maintenance; maintenance and service contracts;
          painting; wall and window washing; laundry and towel service; tools
          and equipment (which are not required to be capitalized for federal
          income tax purposes); trash removal; lawn care; snow removal and all
          other items properly constituting direct operating costs according to
          standard accounting practices (hereinafter collectively referred to as
          the "Operating Costs"), but not including depreciation of Building or
          equipment; interest; income or excess profits taxes; costs of
          maintaining the Lessor's corporate existence; franchise taxes; any
          expenditures required to be capitalized for federal income tax
          purposes, unless said expenditures are for the purpose of reducing
          Operating Costs within the Building and Office Building Area, or those
          which under generally applied real estate practice are expensed or
          regarded as deferred expenses or are required under any governmental
          or quasi-governmental law, statute, ordinance, rule, order,
          requirements or regulation, in which event the costs thereof shall be
          included. Notwithstanding anything contained herein to the contrary,
          any additional costs incurred by Lessor during the 2006 Calendar Year
          by reason of Lessor or any of its vendors entering into new labor
          contracts or renewals or modifications of existing labor contracts
          shall not be included in Base Operating Costs. In addition, Lessee
          shall pay Lessor Lessee's Percentage of all costs and expenses
          incurred by Lessor in connection with complying with any "homeland
          security" requirements, and such costs and expenses shall not be
          included in Operating Costs. The Base Operating Costs shall as be as
          defined in the Preamble.

          Operating Costs shall also include the total cost and expenses
          incurred by Lessor maintaining certain areas of the Capital Office
          Park (the "Business Park") for the following items:

               a. The cost of maintaining Business Park signs and lessee
          directories; and

               b. the cost of water, electricity and other utilities used in
          connection with the operation and maintenance of the Business Park and
          that part of any area demised to a lessee; and

               c. other costs reasonably incurred by Lessor to maintain the
          Business Park or cost incurred for services benefiting all lessees or
          occupants of the Business Park which, in the reasonable opinion of the
          Lessor are services desirable to operate the Business Park and not
          otherwise included or specifically prohibited under this Article 23;
          and

               d. the cost of maintaining common facilities used by all lessees
          such as common grass areas, boulevard dividers, curbing and lighting.

          All costs associated with the operation of the Business Park shall be
          appropriately allocated among all of the buildings in the Business
          Park owned by Lessor.

<PAGE>

          b. FUEL, UTILITIES AND ELECTRIC COST ESCALATION (hereinafter referred
          to as "Utility and Energy Costs") - If the Utility and Energy Costs,
          including any fuel surcharges or adjustments with respect thereto,
          incurred for water, sewer, gas, electric, other utilities and heating,
          ventilating and air conditioning for the Building, to include all
          leased and leasable areas (not separately billed or metered within the
          Building), and Common Facilities electric, lighting, water, sewer and
          other utilities for the Building and Office Building Area, for any
          Lease Year or Partial Lease Year, during the Term, shall be greater
          than the Base Utility and Energy Costs (adjusted proportionately for
          periods less than a Lease Year), then Lessee shall pay to Lessor as
          Additional Rent, Lessee's Percentage of all such excess Utility and
          Energy Costs. As used in this Article 23, the Base Utility and Energy
          Costs shall be as defined in the Preamble.

          c. TAX ESCALATION -- If the Real Estate Taxes for the Building and
          Office Building Area at which the Premises are located for any Lease
          Year or Partial Lease Year, during the Lease Term, shall be greater
          than the Base Real Estate Taxes (adjusted proportionately for periods
          less than a Lease Year), then Lessee shall pay to Lessor as Additional
          Rent, Lessee's Percentage as hereinafter defined, of all such excess
          Real Estate Taxes.

               As used in this Article 23(c), the words and terms which follow
               mean and include the following:

          i.   "Base Real Estate Taxes" shall be as defined in the Preamble.

          ii.  "Real Estate Taxes" shall mean the property taxes and assessments
               imposed upon the Building and Office Building Area, or upon the
               rent, as such, payable to the Lessor, including, but not limited
               to, real estate, city, county, village, school and transit taxes,
               or taxes, assessments, or charges levied, imposed or assessed
               against the Building and Office Building Area by any other taxing
               authority, whether general or specific, ordinary or
               extraordinary, foreseen or unforeseen. If due to a future change
               in the method of taxation, any franchise, income or profit tax
               shall be levied against Lessor in substitution for, or in lieu
               of, or in addition to, any tax which would otherwise constitute a
               Real Estate Tax, such franchise, income or profit tax shall be
               deemed to be a Real Estate Tax for the purposes hereof;
               conversely, any additional real estate tax hereafter imposed in
               substitution for, or in lieu of, any franchise, income or profit
               tax (which is not in substitution for, or in lieu of, or in
               addition to, a Real Estate Tax as hereinbefore provided) shall
               not be deemed a Real Estate Tax for the purposes hereof.

     d.   INSURANCE COST ESCALATION - If the Insurance Costs for the Building
          and Office Building Area for any Lease Year or partial Lease Year
          during the Term shall be greater than the Base Insurance Costs
          (adjusted proportionately for periods less than a Lease Year), Lessee
          shall pay to Lessor as Additional Rent for each Lease Year or partial
          Lease Year commencing from and after the Commencement Date, Lessee's
          Percentage of such excess Insurance Costs.

          As used in this Article 23(d), the words and terms which follow mean
          and include the following:

     i.   "Base Insurance Costs" shall be as defined in the Preamble.

     ii.  "Insurance Costs" shall mean all fire and other insurance costs
          incurred by Lessor in connection with its operation and maintenance of
          the Building and Office Building Area, for any Lease Year or Partial
          Lease Year, during the Term.

     e.   LEASE YEAR -- As used in this Article 23, Lease Year shall mean a
          calendar year. Any portion of the Term which is less than a Lease Year
          as hereinbefore defined, that is, from the Commencement Date through
          the following December 31, and from the last January 1, falling within
          the Term to the end of the Term, shall be deemed a "Partial Lease
          Year". Any reference in this Lease to a Lease Year shall, unless the
          context clearly indicates otherwise, be deemed to be a reference to a
          Partial Lease Year if the period in question involves a Partial Lease
          Year.

<PAGE>

     f.   PAYMENT -- At any time, and from time to time, after the establishment
          of the Base Period Costs for each of the categories referred to above,
          Lessor shall advise Lessee in writing of Lessee's Percentage share
          with respect to each of the categories as estimated for the next
          twelve (12) month period (or proportionate part thereof if the last
          period prior to the Lease's expiration is less than twelve (12)
          months) as then known to the Lessor, and thereafter, the Lessee shall
          pay as Additional Rent, Lessee's Percentage share of these costs for
          the then current period affected by such advice (as the same may be
          periodically revised by Lessor as additional costs are incurred) in
          equal monthly installments, such new rates being applied to any
          months, for which the Fixed Basic Rent shall have already been paid
          which are affected by the Operating Cost Escalation and/or Utility and
          Energy Cost Escalation and/or Tax Escalation Costs and/or Insurance
          Costs above referred to, as well as the unexpired months of the
          current period, the adjustment for the then expired months to be made
          at the payment of the next succeeding monthly rental, all subject to
          final adjustment at the expiration of each Lease Year as defined in
          Article 23(e) hereof (or Partial Lease Year if the last period prior
          to the Lease's termination is less than twelve (12) months). However,
          Lessor shall be reimbursed by Lessee monthly during the first year of
          the Term for additional Utility and Energy Cost Escalations resulting
          from an increase in the monthly rate over the Base Utility Rate.

          In the event the last period prior to the Lease's termination is less
          than twelve (12) months, the Base Period Costs during said period
          shall be proportionately reduced to correspond to the duration of said
          final period.

          g. BOOKS AND REPORTS -- For the protection of Lessee, Lessor shall
          maintain books of account which shall be open to Lessee and its
          representatives at all reasonable times so that Lessee can determine
          that such Operating, Utility and Energy and Real Estate Tax Costs
          have, in fact, been paid or incurred. Lessee's representatives shall
          mean only (i) Lessee's employees or (ii) a Certified Public Accounting
          firm, and neither Lessee's employees nor any Certified Public
          Accounting firm shall be permitted to (i) perform such inspection
          and/or audit on a contingency basis, or (ii) perform such an
          inspection and/or audit for any other tenant in the Building. At
          Lessor's request, Lessee shall execute a confidentiality agreement
          reasonably acceptable to Lessor prior to any examination of Lessor's
          books and records. In the event Lessee disputes any one or more of
          said charges, Lessee shall attempt to resolve such dispute with
          Lessor, provided that if such dispute shall not be satisfactorily
          settled between Lessor and Lessee, the dispute shall be referred by
          either party to an independent certified public accountant to be
          mutually agreed upon, and if such an accountant cannot be agreed upon,
          The American Arbitration Association may be asked by either party to
          select an arbitrator, whose decision on the dispute will be final and
          binding upon both parties, who shall jointly share any cost of such
          arbitration. Pending resolution of said dispute the Lessee shall pay
          to Lessor the sum so billed by Lessor subject to its ultimate
          resolution as aforesaid.

     h.   RIGHT OF REVIEW -- Once Lessor shall have finally determined said
          Operating, Utility and Energy or Real Estate Tax Costs at the
          expiration of a Lease Year, then as to the item so established, Lessee
          shall only be entitled to dispute said charge as finally established
          for a period of six (6) months after such charge is finally
          established, and Lessee specifically waives any right to dispute any
          such charge at the expiration of said six (6) month period.

     i.   OCCUPANCY ADJUSTMENT -- If, with respect to Operating Cost Escalation,
          as established in Article 23(a) hereof, and Utility and Energy Cost
          Escalation, as established in Article 23(b) hereof, the Building is
          less than eighty-five percent (85%) occupied during the establishment
          of the respective Base Periods, then the Base Costs incurred with
          respect to said Operating Cost or Utility and Energy Cost shall be
          adjusted during any such period within the Base Period so as to
          reflect eighty-five percent (85%) occupancy. Similarly, if during any
          Lease Year or Partial Lease Year, subsequent to the Base Period the
          Building is less than eighty-five percent (85%) occupied, then the
          actual costs incurred for Operating Cost and Utility and Energy Cost
          shall be increased during any such period to reflect eighty-five
          percent (85%) occupancy so that at all times after the Base Period the
          Operating Cost or Utility and Energy Cost shall be actual costs, but
          in the event less than eighty-five percent (85%) of the Building is
          occupied during all or part of the Lease Year involved, the Operating
          Cost or Utility and Energy Cost shall not be less than that which
          would have been incurred had eighty-five percent (85%) of the Building
          been occupied. The aforesaid adjustment shall only be made with
          respect to those items that are in fact affected by variations in
          occupancy levels.

<PAGE>

24.  LESSEE'S ESTOPPEL:

          Lessee shall, from time to time, on not less that ten (10) days prior
          written request by Lessor, execute, acknowledge and deliver to Lessor
          a written statement certifying that the Lease is unmodified and in
          full force and effect, or that the Lease is in full force and effect
          as modified and listing the instruments of modification; the dates to
          which the rents and charges have been paid; and, to the best of
          Lessee's knowledge, whether or not Lessor is in default hereunder, and
          if so, specifying the nature of the default. It is intended that any
          such statement delivered pursuant to this Article 24 may be relied on
          by a prospective purchaser of Lessor's interest or mortgagee of
          Lessor's interest or assignee of any mortgage of Lessor's interest.
          Lessee shall also execute and deliver the form "Lessee Estoppel
          Certificate" attached hereto as Exhibit F.

25.  HOLDOVER TENANCY:

          If Lessee holds possession of the Premises after the Expiration Date
          of this Lease, Lessee shall (i) become a tenant from month to month
          under the provisions herein provided, but at one hundred seventy-five
          percent (175%) of the monthly Fixed Basic Rent for the last month of
          the Term, plus the Additional Rent, for the first four (4) months of
          Lessee's holding over and two hundred percent (200%) of the monthly
          Fixed Basic Rent for the last month of the Term, plus the Additional
          Rent, thereafter, which shall continue as provided in the Lease which
          sum shall be payable in advance on the first day of each month, and
          without the requirement for demand or notice by Lessor to Lessee
          demanding delivery of possession of said Premises, and such tenancy
          shall continue until terminated by Lessor, or until Lessee shall have
          given to Lessor, at least sixty (60) days prior to the intended date
          of termination, a written notice of intent to terminate such tenancy,
          which termination date must be as of the end of a calendar month; and
          (ii) indemnify Lessor against loss or liability resulting from the
          delay by Lessee in so surrendering the Premises including, without
          limitation, any claims made by any succeeding occupant founded on such
          delay. Lessee's obligations under this Section shall survive the
          expiration or sooner termination of the Lease. The time limitations
          described in this Article 25 shall not be subject to extension for
          Force Majeure.

26.  RIGHT TO SHOW PREMISES:

          Lessor may show the Premises to prospective purchasers and mortgagees;
          and during the twelve (12) months prior to termination of this Lease,
          to prospective tenants, during Building Hours on reasonable notice to
          Lessee. During the last twelve (12) months of the Term, Lessor or any
          prospective lessee shall have the right to enter the space to perform
          inspections, surveys, measurements or such other reasonable activities
          as may be necessary to prepare the Premises for occupancy by the
          succeeding lessee.

27.  LESSOR'S WORK - LESSEE'S DRAWINGS:

          a. Lessor agrees that, prior to the commencement of the Term of this
          Lease, it will do substantially all of the work in the Premises in
          accordance with Exhibit C attached hereto and made a part hereof.

          b. Lessee will timely supply such drawings and information to Lessor
          as set forth in Exhibit C. Any delay occasioned by Lessee's failure to
          timely supply such drawings and information shall not delay the
          Commencement Date of the Term and Lessee's obligations hereunder, and
          the same shall commence on the date the Premises would have been
          delivered to Lessee pursuant to Article 2, but for Lessee's delay.

          c. Lease commencement shall occur and the Commencement Date is defined
          as that date when Lessor has done substantially all of the work to be
          done by Lessor in accordance with Exhibit C and a (temporary or final)
          certificate of occupancy or its equivalent has been issued by the
          applicable public authority if required by law for Lessee to occupy
          the Premises, unless Lessor has been precluded from completing said
          work as a result of Lessee's acts or omissions including, but not
          limited to, its failure to comply with Article 27(b) hereof. Occupancy
          by Lessee or the delivery of a Certificate of Occupancy by Lessor (if
          required pursuant to local law) shall be prima facie evidence that
          Lessor has done substantially all of the work.

<PAGE>

28.  WAIVER OF TRIAL BY JURY:

     To the extent such waiver is permitted by law, the parties waive trial by
     jury in any action or proceeding brought in connection with this Lease or
     the Premises.

29.  LATE CHARGE:

     Anything in this Lease to the contrary notwithstanding, at Lessor's option,
     Lessee shall pay a "Late Charge" of five percent (5%) of any installment of
     Fixed Basic Rent or Additional Rent not paid or paid more than five (5)
     days after the due date thereof, to cover the extra expense involved in
     handling delinquent payments, said Late Charge to be considered Additional
     Rent. The amount of the Late Charge to be paid by Lessee shall be
     reassessed and added to Lessee's obligations for each successive monthly
     period until paid.

     Notwithstanding anything in this Article to the contrary, Lessor shall
     waive a Late Charge one time during each Lease Year provided, however, the
     installment of Fixed Basic Rent or Additional Rent so due is paid by the
     fifteenth (15th) day of the month. Payment received subsequent to the
     fifteenth (15th) of the month during these grace periods shall require a
     Late Charge to be reassessed and added to Lessee's obligations hereunder.

30.  LESSEE'S INSURANCE:

     a. Lessee covenants to provide at Lessee's cost and expense on or before
the earlier of (i) the Commencement Date, or (ii) Lessee's taking actual
possession for the purpose of completing any improvement work, and to keep in
full force and effect during the entire Term and so long thereafter as Lessee,
or anyone claiming by, through or under Lessee, shall occupy the Premises,
insurance coverage as follows:

          i.   Commercial General Liability insurance with contractual liability
               endorsements with respect to the Premises and the business of
               Lessee in which Lessee shall be adequately covered under limits
               of liability of not less than FIVE MILLION AND 00/100 DOLLARS
               ($5,000,000.00) combined single limit per occurrence for bodily
               or personal injury (including death) and property damage. Such
               insurance may be carried (x) under a blanket policy covering the
               Premises and other locations of Lessee, if any, provided that
               each such policy shall in all respects comply with this Article
               and shall specify that the portion of the total coverage of such
               policy that is allocated to the Premises is in the amounts
               required pursuant to this Article 30 and (y) under a primary
               liability policy of not less than ONE MILLION AND 00/100 DOLLARS
               ($1,000,000.00) and the balance under an umbrella policy.
               Notwithstanding anything to the contrary contained in this Lease,
               the carrying of insurance by Lessee in compliance with this
               Article 30 shall not modify, reduce, limit or impair Lessee's
               obligations and liability under Article 33 hereof.

          ii.  Fire and Extended Coverage, Vandalism, Malicious Mischief,
               Sprinkler Leakage and Special Extended Coverage Insurance in an
               amount adequate to cover the cost of replacement of all personal
               property, decoration, trade fixtures, furnishings, equipment in
               the Premises and all contents therein. Lessor shall not be liable
               for any damage to such property of Lessee by fire or other peril
               includable in the coverage afforded by the standard form of fire
               insurance policy with extended coverage endorsement attached
               (whether or not such coverage is in effect), no matter how
               caused, it being understood that the Lessee will look solely to
               its insurer for reimbursement.

<PAGE>

          iii. Worker's Compensation Insurance in the minimum statutory amount
               covering all persons employed by Lessee.

          iv.  Said limits shall be subject to periodic review and Lessor
               reserves the right to increase said coverage limits if, in the
               reasonable opinion of Lessor, said coverage becomes inadequate
               and is less than that commonly maintained by tenants in similar
               buildings in the area by tenants making similar uses. On or
               before the Commencement Date, and thereafter at Lessor's request,
               Lessee shall provide Lessor evidence of the insurance coverage
               required herein in the form of a duplicate original insurance
               policy, an insurance binder (countersigned by the insurer), or
               Evidence of Insurance (in form ACORD 27 with respect to property
               insurance and ACORD 25-S with respect to liability insurance) for
               each of the insurance policies Lessee is required to carry in
               compliance with its obligations under this Lease.

     b.   All of the aforesaid insurance shall (i) name Lessor as an additional
          insured on a primary basis; (ii) be written by one or more responsible
          insurance companies licensed in the State of Maryland satisfactory to
          Lessor and in form satisfactory to Lessor; (iii) contain endorsements
          substantially as follows: "It is understood and agreed that the
          insurer will give to Lessor, or any successor lessor, c/o Mack-Cali
          Realty Corporation, 11 Commerce Drive, Cranford, New Jersey, thirty
          (30) days prior written notice of any material change in or
          cancellation of this policy."; (iv) shall be written on an
          "occurrence" basis and not on a "claims made" basis.

     c.   Lessee shall be solely responsible for payment of premium and Lessor
          (or its designee) shall not be required to pay any premium for such
          insurance. Lessee shall deliver to Lessor at least fifteen (15) days
          prior to the expiration of such policy, either a duplicate original or
          a certificate it being the intention of the parties hereto that the
          insurance required under the terms hereof shall be continuous during
          the entire Term of this Lease and any other period of time during
          which pursuant to the Term hereof, said insurance is required. Any
          insurance carried by Lessor shall be in excess of and will not
          contribute with the insurance carried by Lessee for injuries or damage
          arising out of the Premises.

     d.   Lessee agrees, at its own cost and expense, to comply with all rules
          and regulations of the National Fire Protection Association (NFPA)
          National Fire Code. If, at any time or from time to time, as a result
          of or in connection with any failure by Lessee to comply with the
          foregoing sentence or any act or omission or commission by Lessee, its
          employees, agents, contractors or licensees, or a result of or in
          connection with the use to which the Premises are put (notwithstanding
          that such use may be for the purposes hereinbefore permitted or that
          such use may have been consented to by Lessor), the fire insurance
          rate(s) applicable to the Premises shall be higher than that which
          would be applicable for a business office legally permitted therein,
          Lessee agrees that it will pay to Lessor as Additional Rent, such
          portion of the premiums for all Lessor's fire insurance policies in
          force with respect to the building and the contents of any occupant
          thereof as shall be attributable to such higher rate(s).

     e.   Lessor makes no representation that the limits of liability specified
          to be carried by Lessee or Lessor under the terms of this Lease are
          adequate to protect Lessee against Lessee's undertaking under this
          Article 30, and in the event Lessee believes that any such insurance
          coverage called for under this Lease is insufficient, Lessee shall
          provide, at is own expense, such additional insurance as Lessee deems
          adequate.

     f.   In the event the Premises or its contents are damaged or destroyed by
          fire or other insured casualty, (i) Lessor, to the extent of the
          coverage of Lessor's policies of fire insurance, hereby waives its
          rights, if any, against Lessee with respect to such damage or
          destruction, even if said fire or other casualty shall have been
          caused, in whole or in part, by the negligence of Lessee, and (ii)
          Lessee, to the extent of the coverage of Lessee's policies of fire
          insurance with extended coverage, hereby waives its rights, if any,
          against Lessor with respect to such damage, or destruction, even if
          said fire or other casualty shall have been caused, in whole or in
          part, by the negligence of Lessor; provided, however, such waivers of
          subrogation shall only be effective with respect to loss or damage
          occurring during such time as Lessor's or Lessee's policies of fire
          insurance (as the case may be) shall contain a clause or

<PAGE>

          endorsement providing in substance that the aforesaid waiver of
          subrogation shall not prejudice the type and amount of coverage under
          such policies or the right of Lessor or Lessee (as the case may be) to
          recover thereunder. If, at any time, Lessor's or Lessee's insurance
          carrier refuses to write insurance which contains a consent to the
          foregoing waiver of subrogation, Lessor or Lessee, as the case may be,
          shall notify the party thereof in writing, and upon the giving of such
          notice, the provisions of this Section shall be null and void as to
          any casualty which occurs after such notice. If Lessor's or Lessee's
          insurance carrier shall make a charge for the incorporation of the
          aforesaid waiver of subrogation in its policies, then the party
          requesting the waiver shall promptly pay such charge to the other
          party upon demand. In the event the party requesting their waiver
          fails to pay such charge upon demand, the other party shall be
          released of its obligation to supply such waiver.

     g.   Should Lessee fail to maintain the insurance coverage as set forth in
          this Article 30, then Lessee shall be in default hereunder and shall
          be deemed to have breached its covenants as set forth herein.

31.  NO OTHER REPRESENTATIONS:

     No representations or promises shall be binding on the parties hereto
     except those representations and promises contained herein or in some
     future writing signed by the party making such representation(s) or
     promise(s).

32.  QUIET ENJOYMENT:

     Lessor covenants that if, and so long as, Lessee pays Fixed Basic Rent, and
     any Additional Rent as herein provided, and performs Lessee's covenants
     hereof, Lessor shall do nothing to affect Lessee's right to peaceably and
     quietly have, hold and enjoy the Premises for the Term herein mentioned,
     subject to the provisions of this Lease.

33.  INDEMNITY:

     Lessee shall defend, indemnify and save harmless Lessor and its agents
     against and from; (a) any and all claims (i) arising from (x) the conduct
     or management by Lessee, its subtenants, licensees, its or their employees,
     agents, contractors or invitees on the Premises or of any business therein,
     or (y) any work or thing whatsoever done, or any condition created (other
     than by Lessor for Lessor's or Lessee's account) in or about the Premises
     during the Term of this Lease, or during the period of time, if any, prior
     to the Commencement Date that Lessee may have been given access to the
     Premises, (z) any default by Lessee under the terms, covenants and
     conditions of this Lease or (ii) arising from any negligent or otherwise
     wrongful act or omission of Lessee or any of its subtenants or licensees or
     its or their employees, agents, contractors or invitees, and (b) all costs,
     expenses and liabilities including attorneys fees and disbursements
     incurred in or in connection with each such claim, action or proceeding
     brought thereon. In case any action or proceeding be brought against Lessor
     by reason of any such claim, Lessee, upon notice from Lessor, shall resist
     and defend such action or proceeding.

     Lessor shall defend, indemnify and save harmless Lessee and its agents
     against and from; (a) any and all claims arising from: (i) the conduct or
     management by Lessor, its employees, agents or contractors in the Common
     Facilities (other than by Lessee); or (ii) any default by Lessor under the
     terms, covenants and conditions of this Lease beyond applicable notice and
     cure periods; or (iii) arising from any negligent or otherwise wrongful act
     or omission of Lessor or any of its employees, agents or contractors (other
     than by Lessee), and (b) all reasonable costs and expenses, as well as
     liabilities including attorneys fees and disbursements incurred in or in
     connection with each such claim, action or proceeding brought thereon. In
     case any action or proceeding be brought against Lessee by reason of any
     such claim, Lessor, upon notice from Lessee, shall resist and defend such
     action or proceeding with counsel reasonably acceptable to Lessee.
<PAGE>

34.  ARTICLE HEADINGS:

     The article headings in this Lease and position of its provisions are
     intended for convenience only and shall not be taken into consideration in
     any construction or interpretation of this Lease or any of its provisions.

35.  APPLICABILITY TO HEIRS AND ASSIGNS:

     The provisions of this Lease shall apply to, bind and inure to the benefit
     of Lessor and Lessee, and their respective heirs, successors, legal
     representatives and assigns. It is understood that the term "Lessor" as
     used in this Lease means only the owner, a mortgagee in possession or a
     term lessee of the Building, so that in the event of any sale of the
     Building or of any lease thereof, or if a mortgagee shall take possession
     of the Premises, the Lessor herein shall be and hereby is entirely freed
     and relieved of all covenants and obligations of Lessor hereunder accruing
     thereafter, and it shall be deemed without further agreement that the
     purchaser, the term lessee of the Building, or the mortgagee in possession
     has assumed and agreed to carry out any and all covenants and obligations
     of Lessor hereunder.

36.  OUTSIDE PARKING SPACES:

     Lessee's occupancy of the Premises shall include the use of the number of
     outside parking spaces as set forth in the Preamble, all of which will be
     unassigned. Lessor shall not be responsible for any damage or theft of any
     vehicle in the parking area and shall not be required to keep parking
     spaces clear of unauthorized vehicles or to otherwise supervise the use of
     the parking area. Lessee shall, upon request, promptly furnish to Lessor
     the license numbers of the cars operated by Lessee and its subtenants,
     licensees, invitees, concessionaires, officers and employees. If any
     vehicle of the Lessee, or of any subtenant, licensee, concessionaire, or of
     their respective officers, agents or employees, is parked in any part of
     the Common Facilities other than the employee parking area(s) designated
     therefor by Lessor, Lessee shall pay to Lessor such reasonable penalty as
     may be fixed by Lessor from time to time. All amounts due under the
     provisions of this Article 36 shall be deemed to be Additional Rent.

37.  LESSOR'S LIABILITY FOR LOSS OF PROPERTY:

     Lessor shall not be liable for any loss of property from any cause
     whatsoever, including but not limited to theft or burglary from the
     Premises, and any such loss arising from the negligence of Lessor, its
     agents, servants or invitees, or from defects, errors or omissions in the
     construction or design of the Premises and/or the Building, including the
     structural and non-structural portions thereof, and Lessee covenants and
     agrees to make no claim for any such loss at any time.

38.  PARTIAL INVALIDITY:

     If any of the provisions of this Lease, or the application thereof to any
     person or circumstances, shall to any extent, be invalid or unenforceable,
     the remainder of this Lease, or the application of such provision or
     provisions to persons or circumstances other than those as to whom or which
     it is held invalid or unenforceable, shall not be affected thereby, and
     every provision of this Lease shall be valid and enforceable to the fullest
     extent permitted by law.

39.  LESSEE'S BROKER:

     Lessee represents and warrants to Lessor that its broker, as defined in the
     Preamble is the sole broker with whom Lessee has negotiated in bringing
     about this Lease and Lessee agrees to indemnify and hold Lessor and its
     mortgagee(s) harmless from any and all claims of other brokers and expenses
     in connection therewith arising out of or in connection with the
     negotiation of or the entering into this Lease by Lessor and Lessee. In no
     event shall Lessor's mortgagee(s) have any obligation to any broker
     involved in this transaction. In the

<PAGE>

     event that no broker was involved as aforesaid, then Lessee represents and
     warrants to the Lessor that no broker brought about this transaction, and
     Lessee agrees to indemnify and hold Lessor harmless from any and all claims
     of any broker arising out of or in connection with the negotiations of, or
     entering into of, this Lease by Lessee and Lessor.

40.  PERSONAL LIABILITY:

     Notwithstanding anything to the contrary provided in this Lease, it is
     specifically understood and agreed, such agreement being a primary
     consideration for the execution of this Lease by Lessor, that there shall
     be absolutely no personal liability on the part of Lessor, its constituent
     members (to include but not be limited to, officers, directors, partners
     and trustees) their respective successors, assigns or any mortgagee in
     possession (for the purposes of this Article, collectively referred to as
     "Lessor"), with respect to any of the terms, covenants and conditions of
     this Lease, and that Lessee shall look solely to the equity of Lessor in
     the Building for the satisfaction of each and every remedy of Lessee in the
     event of any breach by Lessor of any of the terms, covenants and conditions
     of this Lease to be performed by Lessor, such exculpation of liability to
     be absolute and without any exceptions whatsoever.

41.  NO OPTION:

     The submission of this Lease for examination does not constitute a
     reservation of, or option for, the Premises, and this Lease becomes
     effective as a Lease only upon execution and delivery thereof by Lessor and
     Lessee.

42.  DEFINITIONS:

     a.   AFFILIATE -- Affiliate shall mean any corporation related to Lessee as
          a parent, subsidiary or brother-sister corporation so that such
          corporation and such party and other corporations constitute a
          controlled group as determined under Section 1563 of the Internal
          Revenue Code of 1986, as amended and as elaborated by the Treasury
          Regulations promulgated thereunder or any business entity in which
          Lessee has more than a fifty percent (50%) interest.

     b.   COMMON FACILITIES -- Common Facilities shall mean the non-assigned
          parking areas; lobby; elevator(s); fire stairs; public hallways;
          public lavatories; all other general Building facilities that service
          all Building tenants; air conditioning rooms; fan rooms; janitors'
          closets; electrical closets; telephone closets; elevator shafts and
          machine rooms; flues; stacks; pipe shafts and vertical ducts with
          their enclosing walls. Lessor may at any time close temporarily any
          Common Facilities to make repairs or changes therein or to effect
          construction, repairs or changes within the Building, or to discourage
          non-tenant parking, and may do such other acts in and to the Common
          Facilities as in its judgment may be desirable to improve the
          convenience thereof, but shall always in connection therewith,
          endeavor to minimize any inconvenience to Lessee.

     c.   FORCE MAJEURE -- Force Majeure shall mean and include those situations
          beyond Lessor's reasonable control, including by way of example and
          not by way of limitation, acts of God; accidents; repairs; strikes;
          shortages of labor, supplies or materials; inclement weather; or,
          where applicable, the passage of time while waiting for an adjustment
          or insurance proceeds. Any time limits required to be met by either
          party hereunder, whether specifically made subject to Force Majeure or
          not, except those related to the payment of Fixed Basic Rent or
          Additional Rent, shall, unless specifically stated to the contrary
          elsewhere in this Lease, be automatically extended by the number of
          days by which any performance called for is delayed due to Force
          Majeure.

     d.   LESSEE'S PERCENTAGE -- The parties agree that Lessee's Percentage, as
          defined in the Preamble, reflects and will be continually adjusted to
          reflect the ratio of the gross square feet of the area rented to
          Lessee (including an allocable share of all Common Facilities) [the
          numerator] as compared with the total number of gross square feet of

<PAGE>

          the entire Building (or additional buildings that may be constructed
          within the Office Building Area) [the denominator] measured outside
          wall to outside wall, but excluding therefrom any storage areas.
          Lessor shall have the right to make changes or revisions in the Common
          Facilities of the Building so as to provide additional leasing area.
          Lessor shall also have the right to construct additional buildings in
          the Office Building Area for such purposes as Lessor may deem
          appropriate, and subdivide the lands for that purpose if necessary,
          and upon so doing, the Office Building Area shall become the
          subdivided lot on which the Building in which the Premises is located.
          However, if any service provided for in Article 23(a) or any utility
          provided for in Article 23(b) is separately billed or separately
          metered within the Building, then the square footage so billed or
          metered shall be subtracted from the denominator and the Lessee's
          proportionate share for such service and/or utility shall be
          separately computed, and the Base Costs for such item shall not
          include any charges attributable to said square footage. Lessee
          understands that as a result of changes in the layout of the Common
          Facilities from time to time occurring due to, by way of example and
          not by way of limitation, the rearrangement of corridors, the
          aggregate of all Building tenant proportionate shares may be equal to,
          less than or greater than one hundred percent (100%).

43.  LEASE COMMENCEMENT:

     Notwithstanding anything contained herein to the contrary, if Lessor, for
     any reason whatsoever, including Lessor's negligence except as provided for
     in Article 27(b), cannot deliver possession of the Premises, as provided
     for in Article 27(a), to Lessee at the commencement of the agreed Term as
     set forth in Article 2, this Lease shall not be void or voidable, nor shall
     Lessor be liable to Lessee for any loss or damage resulting therefrom, but
     in that event, the Term shall be for the full term as specified above to
     commence from and after the date Lessor shall have delivered possession of
     the Premises to Lessee or from the date Lessor would have delivered
     possession of the Premises to Lessee but for Lessee's failure to timely
     supply to Lessor such drawings and/or information required by Exhibit C or
     for any other reason attributable to Lessee (herein the "Commencement
     Date") and to expire midnight of the day immediately preceding Term
     anniversary of the Commencement Date, and if requested by Lessor, Lessor
     and Lessee shall, ratify and confirm said Commencement and Expiration Dates
     by completing and signing Exhibit G attached hereto and made a part hereof.

44.  NOTICES:

     Any notice by either party to the other shall be in writing and shall be
     deemed to have been duly given only if (i) delivered personally or (ii)
     sent by registered mail or certified mail return receipt requested in a
     postage paid envelope addressed or (iii) sent by nationally recognized
     overnight delivery service, if to Lessee, at the above described Building;
     if to Lessor, at Lessor's address as set forth above; or, to either at such
     other address as Lessee or Lessor, respectively, may designate in writing.
     Notice shall be deemed to have been duly given, if delivered personally, on
     delivery thereof, if mailed, upon the tenth (10th) day after the mailing
     thereof or if sent by overnight delivery service, the next business day.

45.  ACCORD AND SATISFACTION:

     No payment by Lessee or receipt by Lessor of a lesser amount than the rent
     and additional charges payable hereunder shall be deemed to be other than a
     payment on account of the earliest stipulated Fixed Basic Rent and
     Additional Rent, nor shall any endorsement or statement on any check or any
     letter accompanying any check or payment for Fixed Basic Rent or Additional
     Rent be deemed an accord and satisfaction, and Lessor may accept such check
     or payment without prejudice to Lessor's right to recover the balance of
     such Fixed Basic Rent and Additional Rent or pursue any other remedy
     provided herein or by law.

<PAGE>

46.  EFFECT OF WAIVERS:

     No failure by Lessor to insist upon the strict performance of any covenant,
     agreement, term or condition of this Lease, or to exercise any right or
     remedy consequent upon a breach thereof, and no acceptance of full or
     partial rent during the continuance of any such breach, shall constitute a
     waiver of any such breach or of such covenant, agreement, term or
     condition. No consent, or waiver, express or implied, by Lessor to or of
     any breach of any covenant, condition or duty of Lessee shall be construed
     as a consent or waiver to or of any other breach of the same or any other
     covenant, condition or duty, unless in writing signed by Lessor.

47.  LEASE CONDITION:

     This Lease is expressly conditioned upon Lessor receiving the consent and
     approval of Lessor's mortgagee to its term and provisions not later than
     thirty (30) days after its execution by Lessee, and delivery to Lessor.
     Should said consent not be received within the aforesaid time period,
     Lessor may, at Lessor's sole option, cancel this Lease and return the first
     month's Fixed Basic Rent and Security Deposit to Lessee, which Lessee has
     deposited with Lessor upon execution of this Lease, and thereafter the
     parties shall have no further obligations to each other with respect to
     this Lease.

48.  MORTGAGEE'S NOTICE AND OPPORTUNITY TO CURE:

     Lessee agrees to give any mortgagees and/or trust deed holders, by
     registered mail, a copy of any notice of default served upon Lessor,
     provided that, prior to such notice, Lessee has been notified in writing
     (by way of notice of assignment of rents and leases or otherwise) of the
     address of such mortgagees and/or trust deed holders. Lessee further agrees
     that, if Lessor shall have failed to cure such default within the time
     provided for in this Lease, then the mortgagees and/or trust deed holders
     shall have the same period of time afforded to Lessor within which to cure
     such default, or if such default cannot be cured within that time, then
     such additional time as may be necessary, if within such thirty (30) days,
     any mortgagee and/or trust deed holder has commenced and is diligently
     pursuing the remedies necessary to cure such default (including but not
     limited to commencement of foreclosure proceedings if necessary to effect
     such cure), in which event this Lease shall not be terminated while such
     remedies are being so diligently pursued.

49.  LESSOR'S RESERVED RIGHT:

     Lessor and Lessee acknowledge that the Premises are in a Building which is
     not open to the general public. Access to the Building is restricted to
     Lessor, Lessee, their agents, employees, contractors and customers and to
     their invited visitors. In the event of a labor dispute including a strike,
     picketing, informational or associational activities directed at Lessee or
     any other tenant, Lessor reserves the right unilaterally to alter Lessee's
     ingress and egress to the Building or make any change in operating
     conditions to restrict pedestrian, vehicular or delivery ingress and egress
     to a particular location.

50.  CORPORATE AUTHORITY:

     If Lessee is a corporation, Lessee represents and warrants that this Lease
     has been duly authorized and approved by the corporation's Board of
     Directors. The undersigned officers and representatives of the corporation
     represent and warrant that they are officers of the corporation with
     authority to execute this Lease on behalf of the corporation, and within
     fifteen (15) days of execution hereof, Lessee will provide Lessor with a
     corporate resolution confirming the aforesaid. Lessee represents and
     warrants to Lessor (i) that Lessee nor any person or entity that directly
     owns a ten percent (10%) or greater equity interest in it nor any of its
     officers, directors or managing members is a person or entity (each, a
     "Prohibited Person") with whom U.S. persons or entities are restricted from
     doing business under regulations of the Office of Foreign Asset Control
     ("OFAC") of the Department of the

<PAGE>

     Treasury (including those named on OFAC's Specially Designated and Blocked
     Persons List) or under any statute, executive order (including Executive
     Order 13224 (the "Executive Order") signed on September 24, 2001 and
     entitled "Blocking Property and Prohibiting Transactions with Persons Who
     Commit, Threaten to Commit, or Support Terrorism"), or other governmental
     action, (ii) that Lessee's activities do not violate the International
     Money Laundering Abatement and Financial Anti-Terrorism Act of 2001 of the
     regulations or orders promulgated thereunder (as amended from time to time,
     the "Money Laundering Act"), and (iii) that throughout the term of this
     Lease the Representing Party shall comply with the Executive Order and with
     the Money Laundering Act.

51.  AFTER-HOURS USE:

     Lessee shall be entitled to make use of said Standard Electric Service and
     HVAC beyond the Building Hours, at Lessee's sole cost and expense, provided
     Lessee shall notify the Lessor by 3:00 p.m. on the day that Lessee shall
     require said overtime use if said overtime use is required on any weekday,
     and by 3:00 p.m. on Friday for Saturday and/or Sunday overtime use. It is
     understood and agreed that Lessee shall pay the sum of SIXTY AND 00/100
     DOLLARS ($60.00) per hour per zone for air-conditioning service and
     FORTY-FIVE AND 00/100 DOLLARS ($45.00) per hour per zone for heating
     services, plus such additional percentage increase of the aforesaid hourly
     sum computed by measuring the percentage increase between the rate in
     effect (including fuel surcharges or adjustments) during the month for
     which such overtime use is requested and the Base Rate. The Base Rate for
     purposes hereof shall be the average of the rates in effect (including
     surcharges and/or adjustments) during Calendar Year 2006.

     In no event shall the Lessee pay less than the sum of SIXTY AND 00/100
     DOLLARS ($60.00) per hour per zone for such overtime air-conditioning
     service or less than FORTYFIVE AND 00/100 DOLLARS ($45.00) per hour per
     zone for such overtime heating service.

52.  INTENTIONALLY OMITTED

53.  BUILDING PERMIT:

     This Lease is expressly conditioned upon Lessor obtaining a building permit
     from the appropriate government official for Lessee's Premises. Lessor
     hereby agrees to make application to said government official within five
     (5) days following the execution of the construction drawings for the
     Premises. As used herein, construction drawings shall mean the final plans
     and specifications required pursuant to Article 27(b).

54.  TERMINATION OPTION:

     Notwithstanding anything to the contrary contained herein, Lessee shall
     have the option to surrender the Premises ("Termination Option") in
     accordance with the following terms and conditions:

     a.   If Lessee desires to exercise the Termination Option, Lessee shall
          give Lessor irrevocable written notice ("Termination Notice") of
          Lessee's exercise of this Termination Option, which shall be delivered
          by certified mail which Termination Notice must be received by Lessor
          no later than the date that is nine (9) full months prior to the
          Termination Date. TIME IS OF THE ESSENCE with respect to Lessor's
          receipt of the Termination Notice and all other deadlines in this
          Article.

     b.   If Lessee gives the Termination Notice and complies with all the
          provisions in this Article, the Lease as it applies to the Premises
          only shall terminate at 11:59 p.m. on the last day of a calender month
          set forth in Lessee's Termination Notice, but in no event earlier than
          the last day of the month during which the day prior to the second
          (2nd) year anniversary of the Commencement Date occurs (the
          "Termination Date").

     c.   In consideration for Lessee's termination of this Lease, Lessee shall
          pay Lessor a termination fee equal to the then unamortized
          construction costs and leasing commissions, as the construction costs
          are amortized over the Term of the Lease and

<PAGE>

          the leasing commission are amortized over three (3) years, together
          with an interest factor of eight percent (8%) per annum ("Termination
          Fee") simultaneously with the Termination Notice sent by Lessee to
          Lessor. The amortization schedules with respect to the Termination Fee
          are attached hereto as Exhibit H.

     d.   As of the Termination Date, Lessee's obligations to pay Fixed Based
          Rent, Additional Rent, and any other costs or charges under this
          Lease, and to perform all other obligations, shall cease, provided
          that Lessee vacates the Premises and pays the Termination Fee in
          accordance with this Article.

     e.   Notwithstanding the foregoing, if at any time during the period on or
          after the date on which Lessee shall exercise its Termination Option,
          up to and including the Termination Date, Lessee shall be in default
          of this Lease, beyond any applicable notice and cure period, then
          Lessor may elect, but is not obligated, to cancel and declare null and
          void Lessee's exercise of the Termination Option and this Lease shall
          continue in full force and effect for the full Term hereof unaffected
          by Lessee's exercise of the Termination Option. If Lessor does not
          cancel Lessee's exercise of the Termination Option after Lessee's
          default, Lessee shall cure any default within the period of time
          specified in this Lease and this obligation shall survive the
          Termination Date.

     f.   In the event Lessee exercises the Termination Option, Lessee covenants
          and agrees to surrender full and complete possession of the Premises
          to Lessor on or before the Termination Date vacant, broom-clean, in
          good order and condition, and, in accordance with the provisions of
          this Lease, and thereafter the Premises shall be free and clear of all
          leases, tenancies, and rights of occupancy of any entity claiming by
          or through Lessee.

     g.   If Lessee shall fail to deliver possession of the Premises on or
          before the Termination Date in accordance with the terms hereof,
          Lessee shall be deemed to be a holdover Lessee from and after the
          Termination Date, and in such event all covenants and terms of Article
          25 shall apply and shall also be liable to Lessor for all costs and
          expenses incurred by Lessor in securing possession of the Premises.
          Lessor may accept any such sums from Lessee without prejudice to
          Lessor's right to evict Lessee from the Premises by any lawful means.

     h.   If Lessee properly and timely exercises the Termination Option and
          properly and timely satisfies all other monetary and non-monetary
          obligations under this Lease, the Lease as it applies to the Premises
          shall cease and expire on the Termination Date with the same force and
          effect as if said Termination Date were the date originally provided
          in this Lease as the Expiration Date of the Term hereof.

     i.   If this Lease has been assigned or all or a portion of the Premises
          has been sublet, this Termination Option shall be deemed null and void
          and neither Lessee nor any assignee or sublessee shall have the right
          to exercise such option during the term of such assignment or
          sublease.

55.  RENEWAL OPTIONS:

     (a)  If the term of this Lease shall then be in full force and effect and
          Lessee has complied fully with its obligations hereunder, Lessee shall
          have the option to extend the term of this Lease for three (3)
          successive periods of five (5) years each (the first five (5) year
          period being hereafter referred to as the "First Renewal Term", the
          second five (5) year period being hereafter referred to as the "Second
          Renewal Term" and the third five (5) year period being hereafter
          referred to the "Third Renewal Term") commencing on the day
          immediately following the Expiration Date of the initial Term or First
          Renewal Term or Second Renewal Term, as the case may be, provided
          however that Lessee shall give Lessor notice of its election to extend
          the term no earlier than fifteen (15) months prior to the applicable
          Expiration Date nor later than twelve(12) months prior to the
          applicable Expiration Date. TIME BEING OF THE ESSENCE in connection
          with the exercise of each of Lessee's options pursuant to this
          Article.

     (b)  Such extension of the term of this Lease shall be upon the same
          covenants and conditions, as herein set forth except for the Fixed
          Basic Rent (which shall be set forth

<PAGE>

          below), and except that Lessee shall have no further right to extend
          the term of this Lease after the exercise of the third option
          described in paragraph (a) of this Section. If Lessee shall duly give
          notice of its election to extend the term of this Lease, the First
          Renewal Term, the Second Renewal Term and the Third Renewal Term, as
          the case may be, shall be added to and become a part of the Term of
          this Lease (but shall not be considered a part of the initial Term),
          and any reference in this Lease to the "Term of this Lease", the "Term
          hereof", or any similar expression shall be deemed to include such
          renewal term, and, in addition, the term "Expiration Date" shall
          thereafter mean the last day of the applicable renewal term. During
          the First Renewal Term, Second Renewal Term and the Third Renewal
          Term, Lessor shall have no obligation to perform any alteration or
          preparatory or other work in and to the Premises and Lessee shall
          continue possession thereof in its "as is" condition.

     (c)  The option granted to Lessee under this Article 55 may be exercised
          only by Lessee, its affiliates, permitted successors and assigns, and
          not by any subtenant or any successor to the interest of Lessee by
          reason of any action under the Bankruptcy Code, or by any public
          officer, custodian, receiver, United States Trustee, trustee or
          liquidator of Lessee or substantially all of Lessee's property. Lessee
          shall have no right to exercise this option subsequent to the date
          Lessor shall have the right to give the notice of termination referred
          to in Article 13 of the Lease unless Lessee cures the default within
          the applicable grace period. Notwithstanding the foregoing, Lessee
          shall have no right to extend the term if, at the time it gives notice
          of its election (i) Lessee shall not be in occupancy of substantially
          all of the Premises or (ii) the Premises or any part thereof shall be
          the subject of a sublease. If Lessee shall have elected to extend the
          term, such election shall be deemed withdrawn if, at any time after
          the giving of notice of such election and prior to the commencement of
          the applicable renewal term, Lessee shall sublease all or any portion
          of the Premises.

     (d)  The Fixed Basic Rent applicable to the Premises with respect to each
          renewal term shall be as follows:

                               FIRST RENEWAL TERM:

<TABLE>
<CAPTION>
Year   Annual Rate   Monthly Installment   Per Sq. ft. Rent
----   -----------   -------------------   ----------------
<S>    <C>           <C>                   <C>
1       $72,009.00        $6,000.75             $26.67
2       $74,169.00        $6,180.75             $27.47
3       $76,383.00        $6,365.25             $28.29
4       $78,678.00        $6,556.50             $29.14
5       $81,027.00        $6,752.25             $30.01
</TABLE>

                               SECOND RENEWAL TERM

<TABLE>
<CAPTION>
Year   Annual Rate   Monthly Installment   Per Sq. ft. Rent
----   -----------   -------------------   ----------------
<S>    <C>           <C>                   <C>
1       $83,457.00        $6,954.75             $30.91
2       $85,968.00        $7,164.00             $31.84
3       $88,560.00        $7,380.00             $32.80
4       $91,206.00        $7,600.50             $33.78
5       $93,933.00        $7,827.75             $34.79
</TABLE>

                               THIRD RENEWAL TERM

<TABLE>
<CAPTION>
Year   Annual Rate   Monthly Installment   Per Sq. ft. Rent
----   -----------   -------------------   ----------------
<S>    <C>           <C>                   <C>
1      $ 96,768.00        $8,064.00             $35.84
2      $ 99,657.00        $8,304.75             $36.91
3      $102,654.00        $8,554.50             $38.02
4      $105,732.00        $8,811.00             $39.16
5      $108,918.00        $9,076.50             $40.34
</TABLE>

56.  BANK APPROVAL:

     Within ten (10) business days after the date hereof, Lessee, at its sole
     cost and expense, will file all appropriate and necessary applications with
     the Maryland Commissioner of Financial Regulation, the Federal Reserve Bank
     of Richmond, and any other requisite

<PAGE>

     governmental regulatory authorities having jurisdiction over Lessee and/or
     the Premises (collectively, the "Banking Authorities"), for their issuance
     of all requisite approvals for Lessee's leasing of the Premises (the "Bank
     Approvals"). Lessee shall diligently pursue acquisition of the Bank
     Approvals, and will keep Lessor fully informed as to the status thereof,
     and will furnish Lessor copies of all applications and responses and
     actions thereon promptly on receipt thereof or upon Lessor's request. If
     the Bank Approvals are not finally issued (with no appeal from issuance
     thereof available or filed under applicable law) within ninety (90) days
     after the date hereof, then Lessor or (if Lessee is not in default under
     this Lease) Lessee may terminate this Lease by written notice to the other
     party given at any time before issuance of the final Bank Approvals. Within
     ten (10) days after issuance of the Bank Approvals, Lessee will furnish
     Lessor copies thereof. The phrase "business days" as used herein shall mean
     Mondays through and including Fridays, excluding Saturdays and Sundays and
     further excluding holidays on which national and state banking offices in
     Maryland are not open for business.

     EACH PARTY AGREES that it will not raise or assert as a defense to any
obligation under the Lease or this Agreement or make any claim that the Lease or
this Agreement is invalid or unenforceable due to any failure of this document
to comply with ministerial requirements including, but not limited to,
requirements for corporate seals, attestations, witnesses, notarizations, or
other similar requirements, and each party hereby waives the right to assert any
such defense or make any claim of invalidity or unenforceability due to any of
the foregoing.

     IN WITNESS WHEREOF, the parties hereto have hereunto set their hands and
seals the day and year first above written.

LESSOR:                                 LESSEE:

ELEVENTH SPRINGHILL LAKE                OLD LINE BANK
ASSOCIATES LLC

By: Mack-Cali Realty, L.P., member

By: Mack-Cali Realty Corporation,
    its general partner

By: /s/ Michael A. Grossman             By: /s/ James W. Cornelsen
    ---------------------------------       ------------------------------------
    Michael A. Grossman                 Name:
    Executive Vice President                  ----------------------------------
                                        Title:
                                               ---------------------------------

<PAGE>

                                                                        12/06/06

                                    EXHIBIT A
                              LOCATION OF PREMISES
                                  Old Line Bank

                                  (FLOOR PLAN)

CAPITAL OFFICE PARK
6301 IVY LANE - LOBBY LEVEL
GREENBELT, MARYLAND 20770

(MACK-CALI LOGO)
REALTY CORPORATION
11 COMMERCE DRIVE, CRANFORD, NJ 07016 (908) 272-8000 FAX (908) 272-6755
<PAGE>

                                   EXHIBIT A-1

                              OFFICE BUILDING AREA
<PAGE>

                                    EXHIBIT B

                              RULES AND REGULATIONS

1.   OBSTRUCTION OF PASSAGEWAYS: The sidewalks, entrance, passages, courts,
     elevators, vestibules, stairways, corridors and public parts of the
     Building shall not be obstructed or encumbered by Lessee or used by Lessee
     for any purpose other than ingress and egress. If the Premises are situated
     on the ground floor with direct access to the street, then Lessor shall, at
     Lessor's expense, keep the sidewalks and curbs directly in front of the
     Premises clean and free from ice, snow and refuse.

2.   WINDOWS: Windows in the Premises shall not be covered or obstructed by
     Lessee. No bottles, parcels or other articles shall be placed on the
     windowsills, in the halls, or in any other part of the Building other than
     the Premises. No article shall be thrown out of the doors or windows of the
     Premises.

3.   PROJECTIONS FROM BUILDING: No awnings, air-conditioning units, or other
     fixtures shall be attached to the outside walls or the window sills of the
     Building or otherwise affixed so as to project from the Building, without
     prior written consent of Lessor.

4.   SIGNS: No sign or lettering shall be affixed by Lessee to any part of the
     outside of the Premises, or any part of the inside of the Premises so as to
     be clearly visible from the outside of the Premises, without the prior
     written consent of Lessor. However, Lessee shall have the right to place
     its name on any door leading into the Premises the size, color and style
     thereof to be subject to the Lessor's approval. Lessee shall not have the
     right to have additional names placed on the Building directory without
     Lessor's prior written consent. Lessee, at its sole cost, may place
     Lessee's name outside the Building, the size, design and location of which
     shall be subject to Lessor's prior approval, which approval shall not be
     unreasonably withheld or delayed. Such signage shall be subject to the
     approvals by applicable public authorities. Lessee, at its sole cost and
     expense, shall obtain such approvals for all signage hereunder at its sole
     cost and expense. Notwithstanding anything contained herein to the
     contrary, Lessee's rights under this Article shall be null and void and of
     no further force or effect at such time that Lessee is no longer occupying
     the Premises.

5.   FLOOR COVERING: Lessee shall not lay linoleum or other similar floor
     covering so that the same shall come in direct contact with the floor of
     the Premises. If linoleum or other similar floor covering is desired to be
     used, an interlining of builder's deadening felt shall first be fixed to
     the floor by a paste or other material that may easily be removed with
     water, the use of cement or other similar adhesive material being expressly
     prohibited.

6.   INTERFERENCE WITH OCCUPANTS OF BUILDING: Lessee shall not make, or permit
     to be made, any unseemly or disturbing noises or odors and shall not
     interfere with other tenants or those having business with them. Lessee
     will keep all mechanical apparatus in the Premises free of vibration and
     noise which may be transmitted beyond the limits of the Premises.

7.   LOCK KEYS: No additional locks or bolts of any kind shall be placed on any
     of the doors or windows by Lessee. Lessee shall, on the termination of
     Lessee's tenancy, deliver to Lessor all keys to any space within the
     Building either furnished to or otherwise procured by Lessee, and in the
     event of the loss of any keys furnished, Lessee shall pay to Lessor the
     cost thereof. Lessee, before closing and leaving the Premises, shall ensure
     that all windows are closed and entrance doors locked. Nothing in this
     Paragraph 7 shall be deemed to prohibit Lessee from installing a burglar
     alarm within the Premises, provided: (1) Lessee obtains Lessor's consent
     which will not be unreasonably withheld or delayed; (2) Lessee supplies
     Lessor with copies of the plans and specifications of the system; (3) such
     installation shall not damage the Building; and (4) all costs of
     installation shall be borne solely by Lessee. Lessor shall, to the extent
     practicable, at Lessee's sole cost and expense, cooperate with Lessee in
     meeting any special security requirements for banking institutions
     necessary for the Premises.

8.   CONTRACTORS: No contract of any kind with any supplier of towels, water,
     toilet articles, waxing, rug shampooing, venetian blind washing, furniture
     polishing, lamp servicing, cleaning of electrical fixtures, removal of
     waste paper, rubbish, garbage, or other like service shall be entered into
     by Lessee, nor shall any machine of any kind be installed in the Building
     or the Office Building Area without the prior written consent of the
     Lessor. Lessee shall not employ any persons other than Lessor's janitors
     for the purpose of cleaning the Premises without prior written consent of
     Lessor. Lessor shall not be responsible to Lessee for any loss of property
     from the Premises however occurring, or for any damage to the effects of
     Lessee by such janitors or any of its employees, or by any other person or
     any other cause.

<PAGE>

9.   PROHIBITED ON PREMISES: Lessee shall not conduct, or permit any other
     person to conduct, any auction upon the Premises, manufacture or store
     goods, wares or merchandise upon the Premises without the prior written
     approval of Lessor, except the storage of usual supplies and inventory to
     be used by Lessee in the conduct of his business, permit the Premises to be
     used for gambling, make any unusual noises in the Building, permit to be
     played musical instrument on the Premises, permit any radio to be played,
     or television, recorded or wired music in such loud manner as to disturb or
     annoy other tenants, or permit any unusual odors to be produced on the
     Premises. Lessee shall not permit any portion of the Premises to be
     occupied as an office for a public stenographer or typewriter, or for the
     storage, manufacture, or sale of intoxicating beverages, narcotics, tobacco
     in any form or as a barber or manicure shop. Canvassing, soliciting and
     peddling in the Building and the Office Building Area are prohibited and
     Lessee shall cooperate to prevent the same. No bicycles, vehicles or
     animals of any kind shall be brought into or kept in or about the Premises.

10.  PLUMBING, ELECTRIC AND TELEPHONE WORK: Plumbing facilities shall not be
     used for any purpose other than those for which they were constructed; and
     no sweepings, rubbish, ashes, newspaper or other substances of any kind
     shall be thrown into them. Waste and excessive or unusual amounts of
     electricity or water is prohibited. When electric wiring of any kind is
     introduced, it must be connected as directed by Lessor, and no stringing or
     cutting of wires will be allowed, except by prior written consent of
     Lessor, and shall be done by contractors approved by Lessor. The number and
     locations of telephones, telegraph instruments, electrical appliances, call
     boxes, etc. shall be subject to Lessor's approval.

11.  MOVEMENT OF FURNITURE, FREIGHT OR BULKY MATTER: The carrying in or out of
     freight, furniture or bulky matter of any description must take place
     during such hours as Lessor may from time to time reasonably determine and
     only after advance notice to the superintendent of the Building. The
     persons employed by Lessee for such work must be reasonably acceptable to
     the Lessor. Lessee may, subject to these provisions, move freight,
     furniture, bulky matter, and other material into or out of the Premises on
     Saturdays between the hours of 9:00 a.m. and 1:00 p.m., provided Lessee
     pays additional costs, if any, incurred by Lessor for elevator operators or
     security guards, and for any other expenses occasioned by such activity of
     Lessee. If, at least three (3) days prior to such activity, Lessor requests
     that Lessee deposit with Lessor, as security of Lessee's obligations to pay
     such additional costs, a sum of which Lessor reasonably estimates to be the
     amount of such additional cost, the Lessee shall deposit such sum with
     Lessor as security of such cost. There shall not be used in the Building or
     Premises, either by Lessee or by others in the delivery or receipt of
     merchandise, any hand trucks except those equipped with rubber tires and
     side guards, and no hand trucks will be allowed in the elevators without
     the consent of the superintendent of the Building.

12.  SAFES AND OTHER HEAVY EQUIPMENT: Lessor reserves the right to prescribe the
     weight and position of all safes and other heavy equipment so as to
     distribute properly the weight thereof and to prevent any unsafe condition
     from arising. Lessor and Lessee shall cooperate with each with respect to
     the location of all safes.

13.  ADVERTISING: Lessor shall have the right to prohibit any advertising by
     Lessee which in Lessor's reasonable opinion tends to impair the reputation
     of the Building or its desirability as a building for offices, and upon
     written notice from Lessor, Lessee shall refrain from or discontinue such
     advertising.

14.  NON-OBSERVANCE OR VIOLATION OF RULES BY OTHER TENANTS: Lessor shall not be
     responsible to Lessee for non-observance or violation of any of these rules
     and regulations by any other tenant.

15.  AFTER HOURS USE: Lessor reserves the right to exclude from the Building
     between the hours of 6:00 p.m. and 8:00 a.m. and at all hours on Saturdays,
     Sundays and Building Holidays, all persons who do not present a pass to the
     Building signed by the Lessee. Each Lessee shall be responsible for all
     persons for whom such a pass is issued and shall be liable to the Lessor
     for the acts of such persons.

<PAGE>

16.  PARKING: Lessee and its employees shall park their cars only in those
     portions of the parking area designated by Lessor.

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

     a)   the exclusive right to the use of the name of the Building for all
          purposes, except that Lessee may use the name as its business address
          and for no other purposes; and

     b)   the right to change the name or address of the Building, without
          incurring any liability to Lessee for doing so; and

     c)   the right to install and maintain a sign on the exterior of the
          Building; and

     d)   the exclusive right to use or dispose of the use of the roof of the
          Building; and

     e)   the right to limit the space on the directory of the Building to be
          allotted to Lessee; and

     f)   the right to grant to anyone the right to conduct any particular
          business or undertaking in the Building.

18.  The Lessee shall be responsible for initiating, maintaining and supervising
     all health and safety precautions and/or programs required by Law in
     connection with the Lessee's use and occupancy of the Premises.

19.  The Lessee shall not store, introduce or otherwise permit any material
     known to be hazardous within the Premises. Any material within the Premises
     which is determined to be hazardous shall be removed and properly disposed
     of by the Lessee at the Lessee's sole expense.

                                    -- END --
<PAGE>

                                    EXHIBIT C

                                      NOTES

RE:  Workletter Agreement for office space on the first (1st) floor at 6301 Ivy
     Lane, Greenbelt, Maryland. __ , 2006

LESSEE:

OLD LINE BANK

You ("Lessee") and we ("Lessor") are executing simultaneously with this
Workletter Agreement a written lease ("Lease"), covering the space referred to
above, as more particularly described in the Lease ("Premises").

To induce Lessee to enter into the Lease (which is hereby incorporated by
reference) and in consideration of the covenants hereinafter contained, Lessor
and Lessee mutually agree as follows:

1.   Lessor shall have its architect prepare the following architectural and
     mechanical drawings and specifications based upon the sketch layout
     supplied to Lessor by Lessee, within three (3) days of full execution of
     this Lease.

     a.   Architectural drawings and specifications for Lessee's partition
          layout, reflected ceiling, placement of electrical outlets and other
          installations for the work to be done by Lessor.

     b.   Mechanical plans and specifications where necessary for installation
          of air conditioning systems, ductwork and heating.

     All such plans and specifications are expressly subject to Lessor's written
     approval, which Lessor covenants it will not unreasonably withhold.

2.   Lessor agrees to cause the partition plan, electrical plan and the
     reflected ceiling plan to be delivered to Lessee on or before the fifteenth
     (15th) day after Lease execution. Lessee agrees to approve said plans by
     initialing and returning same to Lessor within five (5) business days of
     receipt of each plan. Upon approval of the plans initialed by Lessee,
     Lessor shall file said plans with the appropriate governmental agencies.

3.   Lessor agrees, at its expense and without charge to Lessee (unless
     otherwise provided), to do the work in the Premises as shown on the plans
     referenced above which shall hereinafter be referred to as "The Work".
     Lessor shall be entitled to general conditions and overhead. "Building
     Standard" shall mean the type and grade of material, equipment and/or
     device designated by Lessor as standard for the Building. All items are
     Building Standard unless otherwise noted. The provisions of Article 6 of
     the Lease shall apply to any alterations made to the Premises after the
     initial work to be performed herein.

4.   Lessor shall credit an allowance of $54,000.00 toward the cost of the Work
     and the remaining balance, if any, shall be deemed Additional Rent and paid
     by Lessee as follows:

     (i) fifty percent (50%) upon Lessee's execution and delivery of this Lease
     and (ii) fifty percent (50%) upon Lessor's substantial completion of The
     Work and prior to Lessee's occupancy of the Premises.

5.   All low partitioning, workstation modules, bank screen partitions and
     prefabricated partition systems shall be furnished and installed by Lessee.

6.   The installation or wiring of telephone and computer (data) outlets is not
     part of The Work. Lessee shall bear the responsibility to provide its own
     telephone and data systems at Lessee's sole cost and expense. Upon
     expiration or sooner termination of the Lease, Lessee shall remove all
     telephone and data equipment and wiring from the Premises and the Building
     risers upon vacation of same.

                                Exhibit C-Page 1

<PAGE>

7.   Changes in The Work, if necessary or requested by the Lessee, shall be
     accomplished after the execution of the Lease and this Workletter
     Agreement, and without invalidating any part of the Lease or Workletter
     Agreement, by written agreement between Lessor and Lessee hereinafter
     referred to as a Change Order. Each Change Order shall be prepared by
     Lessor and signed by both Lessee and Lessor stating their agreement upon
     all of the following:

     a.   The scope of the change in The Work; and

     b.   The cost of the change; and

     c.   Manner in which the cost will be paid or credited; and

     d.   The estimated extent of any adjustment to the Commencement Date (if
          any) as a result of the change in The Work.

     Each and every Change Order shall be signed by Lessor's and Lessee's
     respective construction representatives. In no event shall any Change
     Order(s) be permitted without such authorizations. A 10% supervision plus
     10% overhead charge will be added to the cost of any Change Order and to
     the cost of any other work to be performed by Lessor in the Premises after
     Lessor's completion of The Work. If Lessee shall fail to approve any such
     Change Order within one (1) week, the same shall be deemed disapproved in
     all respects by Lessee and Lessor shall not be authorized to proceed
     thereon. Any increase in the cost of The Work or the change in The Work
     stated in a Change Order which results from Lessee's failure to timely
     approve and return said Change Order shall be paid by the Lessee. Lessee
     agrees to pay to Lessor the cost of any Change Order promptly upon receipt
     of an invoice for same.

8.   If Lessee elects to use the architect suggested by Lessor, this architect
     becomes the Lessee's agent solely with respect to the plans, specifications
     and The Work. If any change is made after completion of schematic drawings
     and prior to completion of final construction documents which result in a
     Change Order and additional costs, such costs shall be the responsibility
     of the Lessee.

9.   Prior to Lessee's occupancy of the Premises, Lessee shall identify and list
     any portion of The Work which does not conform to this Workletter Agreement
     ("Punch List"). The Lessor shall review with the Lessee all of the items so
     listed and correct or complete any portion of The Work which fails to
     conform to the requirements of this Workletter Agreement.

10.  The terms contained in the Lease (which include all exhibits attached
     thereto) constitute Lessor's agreement with Lessee with respect to the work
     to be performed by Lessor on Lessee's behalf. If the architectural drawings
     are in conflict with the terms of the Lease, then the Lease shall be deemed
     the controlling document.

11.  All materials and installations constructed for the Lessee within the
     Premises shall become the property of the Lessor upon installation. No
     refund, credit or removal of said items is to be permitted at the
     termination of the Lease. Items installed that are not integrated in any
     such way with other common building materials do not fall under this
     provision (e.g. shelving, furniture, etc.).

12.  It is agreed that notwithstanding the date provided in the Lease for the
     Commencement Date, the term shall not commence until Lessor has
     "substantially completed" all work to be performed by Lessor as
     hereinbefore set forth in Paragraph 3 above and as set forth in the Lease
     and a (temporary or final) certificate of occupancy or its equivalent has
     been issued by the applicable public authority if required by law for
     Lessee to occupy the Premises; provided, however, that if Lessor shall be
     delayed in substantially completing said work as a result of:

     a.   Lessee's failure to approve the plans and specifications in accordance
          with Paragraph 2 hereof; or

     b.   Lessee's failure to furnish interior finish specifications, i.e.,
          paint colors, carpet selection, etc., to Lessor by the fifth (5th)
          working day after Lessor has approved the plans and specifications
          submitted by Lessee referred to in Paragraph 2 hereof; or

     c.   Lessee's request for materials, finishes or installations other than
          Lessor's Building Standard; or

     d.   Lessee's changes in The Work; or

     e.   The performance of a person, firm, partnership or corporation employed
          by Lessee and the completion of the said work by said person, firm,
          partnership or corporation;

     then the Commencement Date of the term of said Lease shall be accelerated
     by the number of days of such delay and Lessee's obligation to pay Fixed
     Basic Rent and Additional Rent shall commence as of such earlier date.

                                Exhibit C-Page 2

<PAGE>

13.  Lessor shall permit Lessee and its agents to enter the Premises prior to
     the Commencement Date in order that Lessee may perform through its own
     non-union contractors (or union contractor if required by Lessor) such
     other work and decorations as Lessee may desire at the same time Lessor's
     contractors are working in the Premises. The foregoing license to enter
     prior to the Commencement Date, however, is conditioned upon:

     a.   Lessee's workmen and mechanics working in harmony and not interfering
          with the labor employed by Lessor, Lessor's mechanics or contractors
          or by any other Lessee or its mechanics or contractors; and

     b.   Lessee providing Lessor with evidence of Lessee's contractors and
          subcontractors carrying such worker's compensation, general liability,
          personal and property insurance as required by law and in amounts no
          less than the amounts set forth in Article 30 of the Lease. If at any
          time such entry shall cause disharmony or interference therewith, this
          license may be withdrawn by Lessor upon forty-eight (48) hours written
          notice to Lessee. Such entry shall be deemed controlled by all of the
          terms, covenants, provisions and conditions of said Lease, except as
          to the covenant to pay Fixed Basic Rent and Additional Rent. Lessor
          shall not be liable in any way for any injury, loss or damage which
          may occur to any of Lessee's decorations or installations so made
          prior to the Commencement Date, the same being solely at Lessee's
          risk.

14.  No part of the Premises shall be deemed unavailable for occupancy by the
     Lessee, or shall any work which the Lessor is obligated to perform in such
     part of the Premises be deemed incomplete for the purpose of any adjustment
     of Fixed Basic Rent payable hereunder, solely due to the non-completion of
     details of construction, decoration or mechanical adjustments which are
     minor in character and the non-completion of which does not materially
     interfere with the Lessee's use of such part of the Premises.

15.  Lessee is responsible for all costs related to the repairs and maintenance
     of any additional or supplemental HVAC systems, appliances and equipment
     installed to meet Lessee's specific requirements. Lessee shall purchase a
     service contract for this equipment so that the equipment is covered by
     such service contract each year of the term of the Lease and shall forward
     a copy of such contract to Lessor.

16.  If construction is to occur in a space occupied by Lessee's employees,
     Lessee shall be liable for all costs associated with a delay if Lessee
     shall fail to comply with a submitted construction schedule to relocate
     personnel, furniture, or equipment. These costs shall include, but not be
     limited to the following:

     a.   cost of construction workers time wasted; and

     b.   cost of any overtime work necessary to meet schedule deadlines; and

     c.   any other costs associated with delays in final completion.

17.  This workletter is based on the quantities and specifications listed
     herein. Any change to these specifications shall require the recalculation
     of the construction costs. Such recalculation shall not negate any other
     section of this Lease.

18.  All sums payable by Lessee to Lessor in connection with this Exhibit C and
     any other work to be performed by Lessor within the Premises and billable
     to Lessee shall be deemed Additional Rent.

19.  With respect to the construction work being conducted in or about the
     Premises, each party agrees to be bound by the approval and actions of
     their respective construction representatives. Unless changed by written
     notification, the parties hereby designate the following individuals as
     their respective construction representatives:

                                                         FOR LESSEE:
     FOR LESSOR:
     c/o Mack-Cali Realty Corporation ________________
                                                         -----------------------

                                                         -----------------------

                                Exhibit C-Page 3
<PAGE>

                                  EXHIBIT C - 1
                   AIR CONDITIONING & HEATING DESIGN STANDARDS

The following are design standards for the building air-conditioning system for
cooling and heating in the air in the subject building:

1.   During the normal heating season to maintain an average indoor dry bulb
     temperature of not less than 70 degrees F (21 degrees C) or more than 76
     degrees (24.4 degrees C) when the outdoor dry bulb temperature is lower
     than 65 degrees F (18 degrees C) but not lower than 0 degrees F (-13
     degrees C).

2.   To maintain comfort cooling for an average indoor dry bulb temperature of
     not more than 78 degrees F when the outside dry bulb temperature is 95
     degrees F (24 degrees C).

3.   During the intermediate seasons, when the outside dry bulb temperature is
     below 55 degrees (13 degrees C), cooling will be provided by outside air
     usage in conjunction with operating of return air, outside air and exhaust
     air dampers.

4.   To furnish not less than .10 cubic foot of fresh air per minute per square
     foot of rentable area, and between .20 and 1.0 cubic feet of total air per
     minute, per square foot of rentable occupied space.

5.   Lessor will not be responsible for the failure of the air-conditioning
     system if such failure results from (i) the occupancy of the Premises with
     more than an average of one (1) person for each one hundred (100) usable
     square feet of floor area (ii) the installation or operation by Lessee of
     machines and appliances, the installed electrical load of which when
     combined with the load of all lighting fixtures exceeds five (5) watts per
     square foot of floor area and in any manner exceeding the aforementioned
     occupancy and electrical load criteria, or (iii) rearrangement of
     partitioning after the initial preparation of the Premises. If interference
     with normal operation of the air-conditioning system in the Premises
     results, necessitating changes in the air conditioning system servicing the
     Premises, such changes shall be made by Lessor upon written notice to
     Lessee at Lessee's sole cost and expense. Lessee agrees to lower and close
     window coverings when necessary because of the sun's position whenever the
     air conditioning system is in operation, and Lessee agrees at all times to
     cooperate fully with Lessor and to abide by all the Rules and Regulations
     attached hereto as well as reasonable rules and regulations which Lessor
     may hereafter prescribe involving the air-conditioning system.

                                    -- END --

                               Exhibit C-1-Page 1
<PAGE>

                           EXHIBIT D CLEANING SERVICES

                             (Five Nights Per Week)

LESSEE'S PREMISES

1.   Vacuum clean all carpeted areas.

2.   Sweep and dust mop all non-carpeted areas. Wet mop whenever necessary.

3.   All office furniture such as desks, chairs, files, filing cabinets, etc.
     shall be dusted with a clean treated dust cloth whenever necessary and only
     if such surfaces are clear of Lessee's personal property including but not
     limited to plants.

4.   Empty and wash ashtrays.

5.   Empty wastepaper baskets and remove waste to the designated areas.

6.   All vertical surfaces within arms reach shall be spot cleaned to remove
     finger marks and smudges. Baseboard and window sills are to be spot cleaned
     whenever necessary.

7.   All cleaning of cafeterias, vending areas, kitchen facilities are excluded.
     Lessee may make necessary arrangements for same directly with Lessor's
     cleaning maintenance company.

8.   Cleaning hours shall be Monday through Friday between 5:30 p.m. and 11:00
     p.m.

9.   No cleaning service is provided on Saturday, Sunday and Building Holidays.

10.  Cartons or refuse in excess, which cannot be placed in wastebaskets, will
     not be removed. Lessee is responsible to place such unusual refuse in trash
     dumpster.

11.  Cleaning maintenance company will not remove nor clean tea, office cups or
     similar containers. If such liquids are spilled in waste baskets, the waste
     baskets will be emptied but not otherwise cleaned. Lessor will not be
     responsible for any stained carpet caused from liquids leaking or spilling
     from Lessee's wastepaper receptacles.

12.  Upon completion of cleaning, all lights will be turned off and doors locked
     leaving the Premises in an orderly condition.

13.  Glass entrance doors will be cleaned nightly. Interior glass doors or glass
     partitions are excluded. Lessee may make arrangements for same with
     Lessor's cleaning maintenance company.

COMMON AREAS

1.   Vacuum all carpeting in entrance lobbies, outdoor mats and all corridors.

2.   Wash glass doors in entrance lobby with a clean damp cloth and dry towel.

3.   Clean cigarette urns. Sweep and/or wet mop all resilient tile flooring.
     Hard surface floors such as quarry tile, etc., shall be cleaned nightly.

4.   Wash, clean and disinfect water fountains.

5.   Clean all elevators and stairwells.

6.   Lavatories -- Men and Women.

     a.   Floors in all lavatories shall be wet mopped each evening with a
          germicidal detergent to ensure a clean and germ free surface.

     b.   Wash and polish all mirrors, shelves, bright work including any piping
          and toilet seats.

     c.   Wash and disinfect wash basins and sinks using a germicidal detergent.

     d.   Wash and disinfect toilet bowls and urinals.

     e.   Keep lavatory partitions, tiled walls, dispensers and receptacles in a
          clean condition using a germicidal detergent when necessary.

     f.   Empty and sanitize sanitary disposal receptacles.

     g.   Fill toilet tissue holders, towel dispensers and soap dispensers.
          Refills to be supplied by Lessor.

7.   Clean all air ventilation grill work in ceilings.

                                Exhibit D-Page 1
<PAGE>

                                   EXHIBIT E

                       BUILDING HOLIDAYS BUILDING CLOSED

                               * NEW YEAR'S DAY *

                                * MEMORIAL DAY *

                              * INDEPENDENCE DAY *

                                 * LABOR DAY *

                              * THANKSGIVING DAY *

                               * CHRISTMAS DAY *

                                   -- END --

                                Exhibit E-Page 1
<PAGE>

                                    EXHIBIT F

                           TENANT ESTOPPEL CERTIFICATE

TO: MORTGAGEE and/or its affiliates and/or whom else it may concern:

1.   The undersigned is the Lessee (Tenant) under that certain Lease dated
     __________________, 200__ by and between ________________, as Lessor
     (Landlord), and _____________________, as Lessee, covering those certain
     premises commonly known and designated as ______ r.s.f. on the ________
     (___) floor of ________________________, Maryland.

2.   The Lease has not been modified, changed, altered or amended in any respect
     (except as indicated following this sentence) and is the only Lease or
     agreement between the undersigned and the Lessor affecting said premises.
     If none, state "none".

3.   The undersigned has made no agreements with Lessor or its agents or
     employees concerning free rent, partial rent, rebate of rental payments or
     any other type of rental concession (except as indicated following this
     sentence). If none, state "none".

4.   The undersigned has accepted and now occupies the premises, and is and has
     been open for business since ____________, 200__. The Lease term began
     _____________, 200___, and the rent for said premises has been paid to and
     including _______________, 200__, in conformity with this Lease agreement.
     No rent has been prepaid for more than two (2) months. The fixed minimum
     rent being paid as above is $ __________ per month. If Lessee is not in
     full possession, whether Lessee has assigned the Lease, sublet all or any
     portion of the Premises, or otherwise transferred any interest in the Lease
     or the Premises, Lessee agrees to provide a copy of such assignment,
     sublease, or transfer upon request.

5.   The Lease is not in default and is in full force and effect. As of the date
     hereof, the undersigned is entitled to no credit, no free rent and no
     offset or deduction in rent.

6.   All alterations, improvements, additions, build-outs, or construction
     required to be performed under the Lease have been completed in accordance
     with the terms of the Workletter attached to the Lease as Exhibit C.

7.   The Lease does not contain and the undersigned doesn't have any outstanding
     options or rights of first refusal to purchase the premises or any part
     thereof or the real property of which the premises are a part.

8.   No actions, whether voluntary or otherwise, are pending against the
     undersigned under the bankruptcy laws of the United States or any State
     thereof.

9.   There are currently no valid defenses, counterclaims, off-sets, credits,
     deductions in rent, or claims against the enforcement of any of the
     agreements, terms, or conditions of the Lease.

10.  The undersigned acknowledges that all the interest of Lessor in and to the
     above-mentioned Lease is being duly assigned to MORTGAGEE or one of its
     affiliates hereunder and that pursuant to the terms thereof (i) all rental
     payments under said Lease shall continue to be paid to Lessor in accordance
     with the terms of the Lease unless and until you are otherwise notified in
     writing by MORTGAGEE, or its successor or assigns and (ii) no modification,
     revision, or cancellation of the Lease or amendments thereto shall be
     effective unless a written consent thereto of such mortgagee is first
     obtained.

11.  The undersigned is authorized to execute this Tenant Estoppel Certificate
     on behalf of the Lessee.

Dated this ____ day of ______________, 2006

LESSEE:

Name:
      -------------------------------
Title:
      -------------------------------

                                Exhibit F-Page 1
<PAGE>

                                    EXHIBIT G
                           COMMENCEMENT DATE AGREEMENT

1.0  PARTIES

     THIS AGREEMENT made the ____ day of ________, 2006 is by and between
     ________________ (hereinafter "Lessor") whose address is c/o Mack-Cali
     Realty Corporation, 11 Commerce Drive, Cranford, New Jersey 07016 and
     _________________________ (hereinafter "Lessee") whose address is
     _______________________________.

2.0  STATEMENT OF FACTS

     2.1  Lessor and Lessee entered into a Lease dated ____________, 2006
          (hereinafter "Lease") setting forth the terms of occupancy by Lessee
          of approximately ________ rentable square feet on the _____ (___)
          floor (hereinafter "Premises") at _____________________________
          (hereinafter "Building"); and

     2.2  The Term of the Lease is for ____________ (__) months with the
          Commencement Date of the initial Term being defined in the Preamble to
          the Lease as being subject to change under Articles 27 and 43 thereof;
          and

     2.3  It has been determined in accordance with the provisions of Articles
          27 and 43 of the Lease that ___________, 2006 is the Commencement Date
          of the Term of the Lease.

3.0  STATEMENT OF TERMS

     NOW, THEREFORE, in consideration of the Premises and the covenants
hereinafter set forth, it is agreed:

     3.1  The Commencement Date of the Term of the Lease is __________ , 200_
          and the Expiration Date of the Term is _____________ , 20__, and
          Article 7 of the Basic Lease Provisions and Definitions is modified
          accordingly.

     3.2  Lessee hereby represents to Lessor that (i) there exists no default
          under the Lease either by Lessee or Lessor; and (ii) there exists no
          offset, defense or counterclaim to Lessee's obligation under the
          Lease.

     3.3  This Agreement is executed by the parties hereto for the purpose of
          providing a record of the Commencement and Expiration Dates of the
          Lease.

     EXCEPT as modified herein, the Lease covering the Premises shall remain in
full force and effect as if the same were set forth in full herein and Lessor
and Lessee hereby ratify and confirm all the terms and conditions thereof.

     THIS AGREEMENT shall be binding upon and inure to the benefit of the
parties hereto and their respective legal representatives, successors and
permitted assigns.

     EACH PARTY AGREES that it will not raise or assert as a defense to any
obligation under the Lease or this Agreement or make any claim that the Lease or
this Agreement is invalid or unenforceable due to any failure of this document
to comply with ministerial requirements including, but not limited to,
requirements for corporate seals, attestations, witnesses, notarizations, or
other similar requirements, and each party hereby waives the right to assert any
such defense or make any claim of invalidity or unenforceability due to any of
the foregoing.

     IN WITNESS THEREOF, Lessor and Lessee have hereunto set their hands and
seals the date and year first above written and acknowledge one to the other
they possess the requisite authority to enter into this transaction and to sign
this Agreement.

LESSOR

                                        LESSEE

By:                                     By:
    ---------------------------------       ------------------------------------
    Michael A. Grossman                 Name:
    Executive Vice President                  ----------------------------------
                                        Title:
                                               ---------------------------------

                                Exhibit G Page 1
<PAGE>

                                    EXHIBIT H

           OLD LINE BANK - 6301 IVY LANE - TI UNAMORTIZED PAYMENT DUE

<TABLE>
<CAPTION>
$ 5,758.29                 $ 0.08    $   60.00    (1094.93)
                             Int       Months       Mothly
Costs           Princ        Int         Bal       Payment
-----        -----------   -------   ----------   ---------
<S>          <C>           <C>       <C>          <C>
         1   $  142.0553   $ 38.39   $ 5,616.23
         2   $  143.0023   $ 37.44   $ 5,473.23
         3   $  143.9557   $ 36.49   $ 5,329.28
         4   $  144.9154   $ 35.58   $ 5,184.36
         5   $  145.8815   $ 34.56   $ 5,038.48
         6   $  146.8540   $ 33.59   $ 4,891.63
         7   $  147.8330   $ 32.61   $ 4,743.79
         8   $  148.8186   $ 31.63   $ 4,594.97
         9   $  149.8107   $ 30.63   $ 4,445.16
        10   $  150.8095   $ 29.63   $ 4,294.35
        11   $  151.8149   $ 28.63   $ 4,142.54
        12   $  152.8270   $ 27.62   $ 3,989.71
        13   $  153.8458   $ 26.60   $ 3,835.87
        14   $  154.8714   $ 25.57   $ 3,681.00
        15   $  155.9039   $ 24.54   $ 3,525.09
        16   $  156.9433   $ 23.50   $ 3,368.15
        17   $  157.9896   $ 22.45   $ 3,210.16
        18   $  159.0428   $ 21.40   $ 3,051.12
        19   $  160.1031   $ 20.34   $ 2,891.01
        20   $  161.1705   $ 19.27   $ 2,729.84
        21   $  162.2449   $ 18.20   $ 2,567.60
        22   $  163.3266   $ 17.12   $ 2,404.27
        23   $  164.4154   $ 16.03   $ 2,239.84
        24   $  165.5115   $ 14.93   $ 2,074.34
        25   $  166.6149   $ 13.83   $ 1,907.73
        26   $  167.7257   $ 12.72   $ 1,740.00
        27   $  168.8439   $ 11.60   $ 1,571.16
        28   $  169.9695   $ 10.47   $ 1,401.19
        29   $  171.1026   $  9.34   $ 1,230.09
        30   $  172.2433   $  8.20   $ 1,057.84
        31   $  173.3916   $  7.05   $   884.45
        32   $  174.5475   $  5.90   $   709.90
        33   $  175.7112   $  4.73   $   534.19
        34   $  176.8826   $  3.56   $   357.31
        35   $  178.0618   $  2.38   $   179.25
        36   $  179.2489   $  1.19   $    (0.00)
</TABLE>

                                Exhibit H-Page 1

<PAGE>

           OLD LINE BANK - 6301 IVY LANE - TI UNAMORTIZED PAYMENT DUE

<TABLE>
<CAPTION>
$54,000.00                 $  0.08   $   60.00    (1094.93)
                             Int       Months       Mothly
Costs          Princ         Int         Bal       Payment
-----        ---------     -------   ----------   ---------
<S>          <C>           <C>       <C>          <C>
         1   $  734.9253   $360.00   $53,265.07
         2   $  739.8248   $355.10   $52,525.25
         3   $  744.7570   $350.17   $51,780.49
         4   $  749.7220   $345.20   $51,030.77
         5   $  754.7202   $340.21   $50,276.05
         6   $  759.7516   $335.17   $49,516.30
         7   $  764.8166   $330.11   $48,751.48
         8   $  769.9154   $325.01   $47,981.57
         9   $  775.0482   $319.88   $47,206.52
        10   $  780.2152   $314.71   $46,426.30
        11   $  785.4166   $309.51   $45,640.89
        12   $  790.6527   $304.27   $44,850.23
        13   $  795.9237   $299.00   $44,054.31
        14   $  801.2299   $293.70   $43,253.08
        15   $  806.5714   $288.35   $42,446.51
        16   $  811.9486   $282.98   $41,634.56
        17   $  817.3616   $277.56   $40,817.20
        18   $  822.8106   $272.11   $39,994.39
        19   $  828.2960   $266.63   $39,166.09
        20   $  833.8180   $261.11   $38,332.27
        21   $  839.3768   $255.55   $37,492.90
        22   $  844.9726   $249.95   $36,647.93
        23   $  850.6058   $244.32   $35,797.32
        24   $  856.2765   $238.65   $34,941.04
        25   $  861.9850   $232.94   $34,079.06
        26   $  867.7316   $227.19   $33,211.33
        27   $  873.5164   $221.41   $32,337.81
        28   $  879.3399   $215.59   $31,458.47
        29   $  885.2022   $209.72   $30,573.27
        30   $  891.1035   $203.82   $29,682.16
        31   $  897.0442   $197.88   $28,785.12
        32   $  903.0245   $191.90   $27,882.10
        33   $  909.0447   $185.88   $26,973.05
        34   $  915.1050   $179.82   $26,057.95
        35   $  921.2057   $173.72   $25,136.74
        36   $  927.3470   $167.58   $24,209.39
        37   $  933.5293   $161.40   $23,275.86
        38   $  939.7520   $155.17   $22,336.11
        39   $  946.0179   $148.91   $21,390.09
        40   $  952.3247   $142.60   $20,437.77
        41   $  958.6735   $136.25   $19,479.10
        42   $  965.0647   $129.86   $18,514.03
        43   $  971.4984   $123.43   $17,542.53
        44   $  977.9751   $116.95   $16,564.56
        45   $  984.4949   $110.43   $15,580.06
        46   $  991.0582   $103.87   $14,589.00
        47   $  997.6653   $ 97.26   $13,591.34
        48   $1,004.3164   $ 90.61   $12,587.02
        49   $1,011.0118   $ 83.91   $11,576.01
        50   $1,017.7519   $ 77.17   $10,558.26
        51   $1,024.5369   $ 70.39   $ 9,533.72
        52   $1,031.3671   $ 63.56   $ 8,502.35
        53   $1,038.2429   $ 56.68   $ 7,464.11
        54   $1,045.1645   $ 49.76   $ 6,418.95
        55   $1,052.1323   $ 42.79   $ 5,366.81
        56   $1,059.1465   $ 35.78   $ 4,307.67
        57   $1,066.2075   $ 28.72   $ 3,241.46
        58   $1,073.3156   $ 21.61   $ 2,168.15
        59   $1,080.4710   $ 14.45   $ 1,087.67
        60   $1,087.6741   $  7.25       ($0.00)
</TABLE>

                               Exhibit H - Page 2exv10w3

 

Exhibit 10.3

MASTER TERMS AND CONDITIONS

These Master Terms and Conditions are effective as of the 1st day of January, 2007 by and between
Intersections Inc., a Delaware corporation with its principal place of business at 14901 Bogle
Drive, Chantilly, Virginia 20151 (“Intersections”) and Digital Matrix Systems, Inc., a Texas
corporation with its principal place of business at 15301 Spectrum Drive, 2nd Floor,
Addison, Texas 75001 (“DMS”).

RECITALS

WHEREAS, Intersections is in the business of providing personal credit and identity management and
protection services to consumers;

WHEREAS, DMS is in the business of providing credit analytic solutions and consulting services;

WHEREAS, Intersections and DMS have been working together since 1997 and now wish to enter into a
master services agreement whereby DMS will provide Intersections with certain services as set forth
in the Schedules hereunder (defined in Section 1.1 below);

WHEREAS, Intersections and DMS are currently party to the following agreements: a Software License
Agreement dated April 1, 1999, a Support and Maintenance Agreement dated January 6, 2000, a Letter
Agreement dated December 14, 2001, a Data Services Agreement for CreditBrowser dated December 17,
2004, a Data Services Agreement for Credit Bureau Simulator dated September 1, 2004, and a
Professional Services Master Agreement on November 11, 2005;

WHEREAS, Intersections and DMS wish to terminate the following agreements: the Software License
Agreement dated April 1, 1999, the Support and Maintenance Agreement dated January 6, 2000, and the
Letter Agreement dated December 14, 2001 (collectively, the “1999 Agreements”);

WHEREAS, Intersections and DMS wish to have the services provided under the 1999 Agreements
governed by these Master Terms and Conditions;

THEREFORE, in reliance thereon and in consideration of the mutual covenants and conditions hereof,
and intending to be legally bound hereby, Intersections and DMS agree as follows:

TERMS & CONDITIONS

	1.	 	Definitions.

	 	1.1.	 	“Affiliate” of a party means an entity that controls, is controlled by, or is
under common control with that party, in each case through direct or indirect ownership
of a majority of the voting stock of the controlled party or entity.
	 
	 	1.2.	 	“Business Day” means any day of the week on which banks chartered under the
authority of the Comptroller of the Currency of the United States of America are open
for general commercial business in the United States.

-1-

 

	 	1.3.	 	“Change in Control” with respect to a party means any one or more of the
following events: (i) any purchase from the party or acquisition by any unaffiliated
entity of a majority of the total outstanding voting securities of the party, (ii) any
merger, consolidation, business combination or similar transaction involving the party,
or (iii) any sale (other than in the ordinary course of business), exchange, transfer,
acquisition or disposition, of substantially all of the assets of the party or assets
of the party having a fair market value equal to 50% or more of the total fair market
value of all of the assets of the party at such time.
	 
	 	1.4.	 	“Confidential Information” has the meaning as defined in Section 6.1 below.
	 
	 	1.5.	 	“Data Services” means any and all services related to support and delivery of
data that DMS provides to Intersections under any Schedule.
	 
	 	1.6	 	“Documentation” means any and all associated user manuals, documentation and
any other written supporting materials relating to the Data Services or Fixed Fee
Services provided hereunder or other similar services under any Service Schedule.
	 
	 	1.6.	 	“Fixed Fee Services” means those sets of services that DMS provides to
Intersections based on a negotiated set fee. See Appendix 1.
	 
	 	1.7.	 	“Intellectual Property” means any and all know-how, methodologies, processes,
technologies, analysis, models, techniques, proprietary information, specifications,
protocols, schematics, diagrams, inventions (whether or not patentable), apparatuses,
hardware, tools, devices, formulae, algorithms, software, software code (in any form
including without limitation source code and object code or executable code), user
interfaces, and other forms of technology.
	 
	 	1.8.	 	“Intellectual Property Rights” means any and all of the following that may
exist or be created under the laws of any jurisdiction in the world: (a) rights
associated with works of authorship, including without limitation exclusive
exploitation rights, copyrights and moral rights; (b) trade secret rights; (c) patent
and industrial property rights; (d) other proprietary rights in Intellectual Property
of every kind and nature; and (e) rights in or relating to registrations, renewals,
extensions, combinations, divisions, and reissues of, and applications for, any of the
rights referred to in clauses (a) through (d) of this sentence.
	 
	 	1.9.	 	“Master Agreement” means these Master Terms and Conditions together with all
Schedules entered into by the parties hereunder.
	 
	 	1.10.	 	“Schedule” means a written schedule, statement of work, exhibit or appendix
agreed to by the parties.
	 
	 	1.11.	 	“Service or Services” means any service that DMS is obligated to perform under
the Master Agreement.

-2-

 

	 	1.12.	 	“Transactional Fee Services” means those services that DMS provides to
Intersections on a per transaction basis. See Appendix 1.

	2.	 	Termination of the 1999 Agreements. The parties hereby agree that the 1999 Agreements
(defined above) shall be terminated by this Master Agreement, and that this Master Agreement
shall supersede the 1999 Agreements.

	3.	 	Services.

	 	3.1.	 	Service Schedules. Intersections may identify DMS Services that it
desires to receive. Following consultation of the parties, DMS shall prepare a
proposed Schedule which shall include, to the extent applicable:

	 	(a)	 	Any Services to be provided;
	 
	 	(b)	 	Any acceptance criteria, tests or standards applicable to the
Services ;
	 
	 	(c)	 	The fees for the Services;
	 
	 	(d)	 	The period of performance including any milestones; and
	 
	 	(e)	 	Any agreement regarding Intellectual Property Rights of the
parties to the extent such agreement differs from Section 8 below.

	 	3.2.	 	Agreement to Schedules. No Schedule will be binding unless executed by
both parties. Each Schedule is incorporated by reference and deemed a part of this
Master Agreement.
	 
	 	3.3.	 	Current Schedules. The parties acknowledge and agree that as of the
Effective Date the parties have agreed upon the following Appendices: Appendix 1: Fixed
Fee vs. Transactional Services

	4.	 	Payments and Expenses. Except as otherwise set forth in an applicable Schedule:

	 	4.1.	 	Payment. Payments are due no more than thirty (30) days after
Intersections receives an invoice. Any sums not paid when due shall automatically
accrue interest from the date when due until actually paid at a rate of eighteen
percent (18%) per annum or the highest rate allowed by law, whichever is less.
	 
	 	4.2.	 	Pricing. Pricing for each Service provided hereunder shall be set
forth in the applicable Schedule and paid in accordance with the terms of this Section
4.
	 
	 	4.3.	 	Expenses. Unless otherwise specified in a Schedule, each party will be
responsible for its own expenses related to performance under this Master Agreement.
	 
	 	4.4.	 	Taxes and Other Charges. In addition to all fees payable pursuant to
this Master Agreement or any Service Schedule, Intersections will pay amounts equal to
all sales, use, personal property and other taxes resulting from this Master Agreement
or any activities under this Master Agreement, excluding taxes based on DMS’ net income
and any use taxes, personal property taxes or other taxes on tangible personal property
which DMS retains title to and uses in the Commonwealth of Virginia or elsewhere,
unless Intersections furnishes proof of exemption from payment of such taxes which is in a

-3-

 

	 	 	 	form reasonably acceptable to DMS. Any sum due for which payment is not specified
will be paid within 30 days after receipt of an invoice therefor from DMS.

	5.	 	Term and Termination.

	 	5.1.	 	Term. This Master Agreement shall be effective commencing January
1st, 2007 (the “Effective Date”), and shall continue in effect thereafter
until terminated in accordance herewith unless or until:

	 	(a)	 	all of the Services in all Schedules have been fully delivered;
	 
	 	(b)	 	all of the Schedules have been terminated in accordance with
the particular Schedules; or
	 
	 	(c)	 	the Master Agreement has been terminated in accordance with
Section 5.2 below.

	 	5.2.	 	Termination of Master Agreement for Cause.

	 	(a)	 	If a party (the “Defaulting Party”) is in material breach of
this Master Agreement, and the Defaulting Party does not remedy that breach or
default within thirty (30) calendar days after receipt from the other party of
written notice of breach, the non-defaulting party will after the expiration of
such thirty (30) calendar day period have the right to terminate the applicable
Schedule or the Master Agreement.
	 
	 	(b)	 	Either party, at its option, may terminate this Master
Agreement by providing written notice to the other party if the other party:
(i) makes a general assignment for the benefit of creditors; (ii) suffers or
permits appointment of a trustee or receiver for its business or assets if the
trustee or receiver is not dismissed within 60 days; (iii) becomes subject to a
voluntary or involuntary bankruptcy proceeding if the proceeding is not
dismissed within 60 days; or (iv) is liquidated voluntarily or otherwise.

	 	5.3.	 	Termination of Master Agreement without Cause. Either party may
terminate this Master Agreement or any Schedule, without cause upon six months prior
written notice to the other party. Intersections agrees to pay DMS all fees incurred
prior to the effective date of such termination.
	 
	 	5.4.	 	Effects of Expiration or Termination.

	 	(a)	 	Termination of the Master Agreement terminates all Schedules
except as set forth in an applicable Schedule.

-4-

 

	 	(b)	 	Upon expiration or termination of this Master Agreement, and
except as otherwise set forth in an applicable Schedule, each party shall cease
use of, and destroy or return to the other party, any tangible or intangible
material containing Confidential Information of the other party, subject to any
perpetual license terms set forth expressly in a Schedule.
	 
	 	(c)	 	Sections 5.4, 6, 7, 8, 10, 11, 12, 13.4, and 13.10 and any
payment obligation incurred prior to the effective date of expiration or
termination of the Master Agreement, survive expiration or termination of this
Master Agreement.

	6.	 	Confidentiality.

	 	6.1.	 	Confidential Information Defined. “Confidential Information” as used
in this Master Agreement means information that is disclosed to a party or its
Affiliate (each, the “Receiving Party”) by or on behalf of the other party or its
Affiliate (each, the “Disclosing Party”) during the term of this Master Agreement,
including without limitation know-how, inventions, techniques, processes,
algorithms, computer software programs, schematics, financial and business data,
projections, marketing plans, product development plans, operational plans and
details, and designs. Notwithstanding the foregoing, “Confidential Information”
does not include information that:

	 	(a)	 	is or becomes generally available to the public through no act
or omission of the Receiving Party;
	 
	 	(b)	 	was in the Receiving Party’s lawful possession prior to receipt
from the Disclosing Party;
	 
	 	(c)	 	is lawfully disclosed to the Receiving Party by a third party
without violation of any right of the Disclosing Party; or
	 
	 	(d)	 	is developed by the Receiving Party without use of the
Disclosing Party’s Confidential Information.

	 	6.2.	 	Obligations. The Receiving Party may not:

	 	(a)	 	Use the Disclosing Party’s Confidential Information for any
purpose other than performance under this Master Agreement; or
	 
	 	(b)	 	Disclose the Disclosing Party’s Confidential Information to any
third party without the Disclosing Party’s written consent, except:

	 	(i)	 	To the Receiving Party’s attorneys,
accountants, financial advisors or board of director members, in each
case only under a professional or fiduciary duty of confidentiality to
the Receiving Party;
	 
	 	(ii)	 	To the Receiving Party’s contractor or agent
under the contractor’s or agent’s written agreement in substance to use
and disclose the information only as permitted under this Master
Agreement; provided the Receiving

-5-

 

	 	 	 	Party remains liable for any breach
of those obligations by its contractor or agent; or
	 
	 	(iii)	 	As required under applicable law, regulation
or court order, or pursuant to a third-party or government subpoena;
provided the Receiving Party: (i) gives the Disclosing Party
reasonable notice prior to such disclosure; and (ii) makes a reasonable
effort to seek confidential treatment for the information disclosed.

	 	6.3.	 	Each Party agrees to hold all non-public information of consumers, as defined
in the Gramm-Leach-Bliley Act, received from the other party as confidential and will
not disclose or use such information other than to perform its obligations as set forth
in this Master Agreement or as otherwise authorized by law.
	 
	 	6.4.	 	Notwithstanding any expiration or termination of this Master Agreement, all of
the Receiving Party’s nondisclosure and use obligations pursuant to this Master
Agreement will survive for two (2) years after expiration or termination with respect
to any Confidential Business Information received prior to such expiration or
termination and with respect to Trade Secrets will continue for so long as such
information continues to constitute a trade secret under applicable law.

	7.	 	Privacy. Except to perform the services in accordance with this Master Agreement, DMS agrees
not to disclose or use at any time prior to, during or following the term of this Master
Agreement, any “non-public personal information,” as that term is defined in the
Gramm-Leach-Bliley Act (Public Law 106-102, 15 U.S.C. § 6801 et seq.) provided by or on behalf
of Intersections or obtained by DMS in connection with performance of the services
(collectively, “Customer Information”). DMS shall maintain a comprehensive information
security program (the “DMS Security Program”) that is written in one or more reasonably
accessible parts and contains administrative, technical and physical safeguards for the
purpose of ensuring the security and confidentiality of the Customer Information, protecting
against any anticipated threats or hazards to the security or integrity of the Customer
Information, and protecting against unauthorized access to or use of the Customer Information.
DMS must provide Intersections with notice of any security incidents that potentially
compromise the data protected by the DMS Security Program within 24 hours of DMS determining
that a security incident had occurred. Security incidents include but are not limited to
malicious acts by employees that potentially compromise the confidentiality or integrity of
the protected data, unauthorized access by an employee or third party to the protected data,
or unaccounted media or servers containing the protected data. In addition, DMS shall have
conducted a SAS 70 (Statement on Auditing Standards, Service Organizations) Type II exam by
an independent, nationally recognized certified public accounting firm within the past
twenty-four months, or comply with the Visa Cardholder Information Security Program (these
standards can be found on the usa.visa.com website.) DMS shall provide Intersections
information about DMS’s information security program as requested by Intersections, including
without limitation allowing Intersections or its agent or clients, at Intersections’s sole
expense, to audit DMS security measures upon reasonable prior notice and to conduct security
scans and intrusion testing. Such audit may not be requested more than one time per calendar
year, except that audits may be more frequent if an audit reveals that DMS has not maintained
appropriate security
measures. DMS shall comply fully with any appropriate further physical or information
security requirements provided by Intersections in writing, unless DMS notifies
Intersections in writing within ten business days of receipt of such

-6-

 

	 	 	requirements that DMS
is unable to comply, in which event DMS may terminate this Master Agreement upon written
notice in its sole discretion, except as otherwise agreed by the parties. Intersections
may require at any time that DMS delete all copies of and return to Intersections any
Customer Information.

	8.	 	Intellectual Property. Except as set forth in an applicable Schedule, each party will retain
all Intellectual Property Rights in any Intellectual Property that it owned or developed prior
to the Effective Date, or acquired or developed after the Effective Date without reference to
or use of the Intellectual Property of the other party, regardless of whether any such item is
embodied in any Services provided to the other hereunder.

9. Representations and Warranties.

	 	9.1.	 	Mutual Representations and Warranties. Each party represents and
warrants to the other as follows:

	 	(a)	 	It is a legal entity organized and existing as specified in the
preamble of this Master Agreement above, with all right and authority necessary
to enter and perform under this Master Agreement;
	 
	 	(b)	 	This Master Agreement has been duly entered into by it; and
	 
	 	(c)	 	Its performance under this Master Agreement does not violate
any law, regulation, court order or material agreement to which it is subject.

	 	9.2.	 	DMS Representations and Warranties. DMS represents and warrants to
Intersections that:

	 	(a)	 	All Services will be performed in a good and workmanlike manner; and
	 
	 	(b)	 	It has not and will not knowingly provide any Services or
Intellectual Property in violation of any third party Intellectual Property
Right.

	 	9.3.	 	Intersections Representations and Warranties. Intersections represents
and warrants to DMS that:

	 	(a)	 	It will comply with all applicable laws, including the Fair
Credit Reporting Act (15 U.S.C. Section 1681 et seq., as amended (“FCRA)) and
all other applicable federal or state credit reporting laws, statutes and
regulations, and all of Intersections agreements with credit agencies.
	 
	 	(b)	 	It will use credit reports and other credit information
accessed through the Services only for permissible purposes under the FCRA.

	 	9.4.	 	EXCLUSIONS. EXCEPT AS SET FORTH IN AN APPLICABLE SCHEDULE: (1) THE
REPRESENTATIONS AND WARRANTIES SPECIFIED IN THIS PARAGRAPH 9 ARE THE SOLE WARRANTIES
MADE BY ANY PARTY IN CONNECTION WITH THE SUBJECT MATTER OF THIS MASTER AGREEMENT; AND
ARE MADE TO AND FOR THE BENEFIT OF THE OTHER PARTY ONLY, AND (2) NEITHER PARTY

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	 	 	 	MAKES
ANY OTHER REPRESENTATION OR WARRANTY OF ANY KIND WHATSOEVER, WHETHER EXPRESS, IMPLIED,
STATUTORY, OR ARISING FROM COURSE OF DEALING OR PERFORMANCE, AND HEREBY DISCLAIMS AND
EXCLUDES FROM THIS MASTER AGREEMENT ALL IMPLIED WARRANTIES, INCLUDING WITHOUT
LIMITATION WARRANTIES OF MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE.

	10.	 	Indemnification

	 	10.1.	 	Obligations.

	 	(a)	 	Each party agrees to defend, indemnify and hold harmless the
other party and each of its employees, agents, officers, directors and
shareholders, from and against any claim, suit, demand, or action, including
without limitation reasonable attorneys fees (each and collectively, a “Claim”)
arising from breach by the indemnifying party of its obligations,
representations, or warranties under this Master Agreement or any Schedule.
	 
	 	(b)	 	DMS agrees to defend, indemnify and hold harmless Intersections
and each of its employees, agents, officers, directors and shareholders, from
and against any claim, suit, demand, or action, including without limitation
reasonable attorneys fees (each and collectively, a “Claim”) alleging that use
of Intellectual Property provided by DMS infringes or violates a third party
Intellectual Property Right. If any Services become, or in DMS’s opinion is
likely to become, the subject of a claim of infringement, DMS may, at its
option, procure for Intersections the right to continue to use the Service,
replace or modify the Service to make it noninfringing, or terminate the
applicable Schedule and refund any prepaid fees paid under a Service Schedule
through the date of termination.

	 	10.2.	 	Procedures. Any person or entity seeking to be defended, indemnified
or held harmless under this Section 10 must:

	 	(a)	 	Give the indemnifying party prompt notice of the Claim;
	 
	 	(b)	 	Cooperate reasonably in defense of the Claim; and
	 
	 	(c)	 	Allow the indemnifying party sole control of the defense;
provided that the indemnified person or entity may participate in the defense,
at its own expense, and the indemnifying party may not consent to any
agreement, order or relief that imposes any obligation on the indemnified
person or entity without the indemnified person’s or entity’s written consent.

	11.	 	Limitation of Liability

	 	11.1.	 	IN NO EVENT WILL EITHER PARTY BE LIABLE FOR ANY INDIRECT, EXEMPLARY, PUNITIVE,
SPECIAL, OR CONSEQUENTIAL DAMAGES, INCLUDING WITHOUT LIMITATION LOST PROFITS OR OTHER
ECONOMIC LOSS, LOST REIMBURSEMENTS, OR LOST DATA, OR FOR ANY CLAIM BY ANY THIRD PARTY,
EVEN IF THE BREACHING PARTY HAD BEEN ADVISED OF THE

-8-

 

	 	 	 	POSSIBILITY OF SUCH DAMAGES OR
CLAIM. NOTHING IN THIS SECTION 11, HOWEVER, APPLIES TO (1) BREACH BY A PARTY OF ITS
OBLIGATIONS WITH RESPECT TO USE OR DISCLOSURE OF CONFIDENTIAL INFORMATION, (2) CLAIMS
ARISING UNDER SECTION 10 ABOVE, OR (3) AS OTHERWISE SET FORTH IN AN APPLICABLE
SCHEDULE.

	12.	 	Waiver of Consumer Rights.

	 	12.1.	 	INTERSECTIONS WAIVES ITS RIGHTS UNDER THE TEXAS DECEPTIVE TRADE PRACTICES
CONSUMER PROTECTION ACT, SECTION 17.41 ET SEQ., TEXAS BUSINESS & COMMERCE CODE AND
SECTION 349 OF ARTICLE 22-1 (CONSUMER PROTECTION FROM DECEPTIVE ACTS AND PRACTICES) OF
THE GENERAL BUSINESS LAW OF THE STATE OF NEW YORK, LAWS THAT GIVE CONSUMERS SPECIAL
RIGHTS AND PROTECTIONS. AFTER CONSULTATION WITH AN ATTORNEY OF ITS OWN SELECTION,
INTERSECTIONS VOLUNTARILY CONSENTS TO THIS WAIVER.
	 
	 	12.2.	 	In order to evidence its ability to grant such a waiver, Intersections
represents and warrants to DMS that (i) Intersections is not in a significantly
disparate bargaining position with respect to the transactions contemplated by this
Master
Agreement and (ii) Intersections is represented by legal counsel selected solely by
Intersections in connection with the transactions contemplated by this Master
Agreement, including such waiver, and such attorney was not directly or indirectly
identified, suggested or selected by DMS or an agent of DMS.

	13.	 	Miscellaneous Provisions

	 	13.1.	 	Press Release. Neither party may issue any type of press release or
public announcement regarding this Master Agreement or any Schedules hereunder without
receiving prior content from the other party, such approval not to be unreasonably
withheld or delayed. Except as otherwise set forth in this Master Agreement, or as
otherwise agreed by the parties in writing or required by law, no party may use the other
party’s trademarks or trade names for promotional or publicity purposes.
	 
	 	13.2.	 	Independent Contractors. Each party is an independent contractor of the
other under this Master Agreement. This Master Agreement is not intended to create any
other relationship between the parties, including without limitation any employment,
agency, partnership, joint venture or fiduciary relationship.
	 
	 	13.3.	 	Assignment. This Master Agreement binds and inures to the benefit of each
party’s permitted successors and assigns. Neither party may assign this Master Agreement
without the express prior written consent of the other, which consent shall not be
unreasonably withheld or delayed. Notwithstanding the foregoing, either party may assign
this Master Agreement, without the other party’s consent, to an Affiliate, or as a result
of a Change in Control without obtaining the other party’s prior consent; provided that
the assigning party provides the other party with written notice of such assignment
within 5 Business Days of the effective date of the assignment This Master Agreement
shall inure to the benefit of and be binding upon and enforceable against each party and
its successors and assigns.

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	 	13.4.	 	Noncompetition and Nonsolicitation.

	 	(a)	 	Intersections acknowledges that pursuant to the terms of this
Master Agreement and any applicable Service Schedule, DMS has agreed to provide
Intersections with valuable and proprietary information, including Confidential
Information pursuant to Section 6. Intersections acknowledges that this
proprietary and confidential information is valuable to DMS and, therefore, its
protection and maintenance constitutes a legitimate interest to be protected by
Intersections. Therefore, Intersections agrees that during the term of this
Master
Agreement and ending on the second anniversary of the termination of this
Master Agreement, Intersections will not, directly or indirectly, engage or
participate in any business that is in competition in any manner whatsoever
with the business of DMS as currently conducted in any state in which DMS is
conducting or reasonably expects to conduct or expand its business. During
the term of this Master Agreement and ending on the second anniversary of
the termination of this Master Agreement, DMS will not, directly or
indirectly, engage or participate in any business that is in competition
with, in any manner whatsoever, with the business of Intersections as
currently conducted in any state in which Intersections is conducting or
reasonably expects to conduct or expand its business nor will DMS provide
its services to any third parties seeking to use the DMS services for the
purpose of providing credit monitoring services to consumers..
	 
	 	(b)	 	During the term of this Master Agreement and for a period of 12
months after the date of termination of this Master Agreement, neither party,
without the other party’s prior written consent, may directly or indirectly
employ or solicit the employment of, or contract for services from, any person
employed at the vice president level or higher by the other party. Nothing in
the foregoing prohibits a party from soliciting and hiring any person through a
general advertisement or other means not targeted at employees of the other
party.

	 	13.5.	 	Headings. The headings, titles, subheadings and other similar
designations for the sections, subsections and exhibits of this Master Agreement are for
convenience only and shall not be deemed to be a part of this Master Agreement.
	 
	 	13.6.	 	Force Majeure. Neither party will be held liable for failure to fulfill
its obligations hereunder (except for payment obligations) if such failure is due to a
Force Majeure Event. A “Force Majeure Event” means an act of war; domestic and/or
international terrorism; civil rights or rebellions; quarantines, embargoes and other
similar unusual governmental actions; or extraordinary elements of nature or acts of God;
provided that such Force Majeure Event is beyond the excused party’s reasonable control,
occurs without the excused party’s fault or negligence, is not caused directly or
indirectly by the excused party and could not have been prevented by the excused party’s
reasonable diligence.
	 
	 	13.7.	 	Modification. No representation or promise, or modification or amendment
to this Master Agreement is binding on either party unless in writing signed by
authorized representatives of both parties.

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	 	13.8.	 	Waiver. Any failure or delay in exercising, or any single or partial
exercise of, any right or remedy by a party may not be deemed a waiver of any further,
prior, or future right or remedy.
	 
	 	13.9.	 	Governing Law and Forum. The validity, construction and performance of
this agreement and the legal relations among the parties shall be governed by and
construed in accordance with the laws of the state of New York.
	 
	 	13.10.	 	Dispute Resolution. Any dispute, controversy or claim arising under, out of,
in connection with or in relation to this Master Agreement, or the breach, termination,
validity or enforceability of any provision hereof (a “Dispute”), if not resolved
informally through negotiation between the parties, will be submitted to binding
arbitration conducted in accordance with and subject to the Commercial Arbitration Rules
of the American Arbitration Association (“AAA”) then applicable. If the parties mutually
agree on an arbitrator from a list of arbitrators obtained from the AAA, the arbitration
will be conducted by a single member arbitrator. If the parties are unable to agree on
one arbitrator, each party will select one arbitrator and then the two arbitrators
together shall select a third, thereby creating a three panel arbitration panel. If the
matter involves Intellectual Property, each of the arbitrators selected must have
background in the intellectual property law field.

	 	 (a)	 	The arbitrator(s) will reference the rules of evidence of the
Federal Rules of Civil Procedure then in effect in setting the scope of
discovery, except that no requests for admissions will be permitted and
interrogatories will be limited to identifying (i) persons with knowledge of
relevant facts and (ii) expert witnesses and their opinions and the bases
therefore. Judgment upon the award rendered in any such arbitration may be
entered in any court having jurisdiction thereof.
	 
	 	 (b)	 	Any negotiation, mediation or arbitration conducted pursuant to
this Section 13 will take place in the District of Columbia.
	 
	 	 (c)	 	Other than those matters involving injunctive relief or any
action necessary to enforce the award of the arbitrator, the parties agree that
the provisions of this Section 13 are a complete defense to any suit, action or
other proceeding instituted in any court or before any administrative tribunal
with respect to any Dispute or the performance of any marketing activities by
either party. Nothing in this Section 13 prevents the parties from exercising
their right to terminate this Agreement in accordance with Section 13 above, or
seek injunctive relief.

	 	13.11.	 	Notices. All notices required to be given in writing must be sent by a
nationally recognized overnight delivery service with Internet tracking capabilities, or
delivered by hand in each case to the name and address designated in this section below
or to such other address that the receiving party may in advance designate by written
notice. Notice is deemed effective on the day after delivery to the overnight carrier,
or, if by hand, the date of delivery to the party.

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	 	 	Intersections:	 	                DMS:
	 

	 	VP Operations

Intersections Inc.

14901 Bogle Drive, Suite 300

Chantilly, Virginia 20151
	 	Digital Matrix Systems, Inc.

15301 Spectrum Drive

Addison, TX 75001-6466

ATTN: Mr. David McGough

Facsimile: (972) 341-0020
	 
	 	 	 	 
	 

	 	With copy to:	 	 
	 

	 	Chief Legal Counsel	 	 

	 	13.12.	 	Severability. If any provision of this Master Agreement is declared invalid,
the other provisions remain in full force and effect, and this Master Agreement is deemed
to be amended to replace, to the extent legally possible, the rights and obligations
contained in the invalid provision. The invalidity of any provision is not a failure of
consideration.
	 
	 	13.13.	 	Entire Agreement. Each Schedule, and each other exhibit or appendix referenced
in this Master Agreement, is incorporated into and made part of this Master Agreement.
This Master Agreement constitutes the entire understanding of the parties with respect to
the subject matter hereof, and supersedes all prior or contemporaneous agreements,
statements and representations, oral or written, between the parties relating to the
subject matter of the Master Agreement.
	 
	 	13.14.	 	Conflicts. To the extent that the terms and conditions of this Master
Agreement and the terms and conditions of any Schedule conflict, the terms and conditions
of this Master Agreement shall control unless the Schedule specifically states that its
term is meant to amend a term of this Master Agreement.
	 
	 	13.15.	 	Execution. This Master Agreement may be executed by counterparts, in original
or facsimile form, each of which will be deemed one and the same original instrument.

IN WITNESS WHEREOF, the parties hereto, intending to be legally bound hereby, have each caused its
duly authorized officers or representatives to be affixed hereto.

	 	 	 	 	 	 	 	 	 
	INTERSECTIONS INC.	 	 	 	DIGITAL MATRIX SYSTEMS, INC.
	 
	 	 	 	 	 	 	 	 
	By:

	 	 	 	 	 	By:	 	 
	 

	 	 
	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	Name:

	 	 	 	 	 	Name:	 	 
	 

	 	 
	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	Title:

	 	 	 	 	 	Title:	 	 
	 

	 	 
	 	 	 	 	 	 

	 	 	 	 	 
	Date
	 	 	 	 
	Signed: ___day of                     , 2006

	 	 	 	Signed: ___day of                     , 2006

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SOFTWARE SERVICES SCHEDULE

This Software Services Schedule (“Schedule”) is entered into this 1st day of January 1, 2007 by and
between Intersections Inc., a Delaware corporation with its principal place of business at 14901
Bogle Drive, Chantilly, Virginia 20151 (“Intersections”) and Digital Matrix Systems, Inc., a Texas
corporation with its principal place of business at 15301 Spectrum Drive, 2nd Floor,
Addison, Texas 75001 (“DMS”).

RECITALS

DMS provides access to raw credit bureau files and normalized versions of those files through
either its Credit Toolkit software interface or an interface customized for such retrieval;

Intersections wishes to access both raw and normalized credit bureau files from DMS through both
the DMS Credit Toolkit interface and Intersections’ own customized interface;

Intersections owns proprietary software (developed by and purchased from DMS) that processes
comparisons of credit bureau data (“CreditMo”) and would like DMS to maintain, update and operate
that proprietary software on Intersections’ behalf;

THEREFORE, in reliance thereon and in consideration of the mutual covenants and conditions hereof,
and intending to be legally bound hereby, Intersections and DMS agree as follows:

TERMS & CONDITIONS

	1.	 	Definitions

	 	1.1.	 	“Business of Intersections” shall refer to (i) the business of, directly or
indirectly, providing to individuals information regarding such individuals’ credit
reports and/or periodically monitoring on the individuals’ behalf such individuals’ files
at the credit reporting agencies, and/or (ii) any business which involves the use of the
Software Interfaces (defined in Section 2.3(a) below) in connection with providing credit
information to individuals regarding themselves.
	 
	 	1.2.	 	“Business of DMS” shall refer to the business of providing credit report merging,
risk analysis, credit score development and/or validation, development and delivery of
credit report summary attributes, software tools and data analysis services, and
monitoring services to persons or entities other than individuals and services other than
that which is the Business of Intersections.
	 
	 	1.3.	 	“Credit Toolkit” shall refer to DMS’ proprietary Credit ToolkitTM computer systems and
software which provides access to both raw and normalized credit bureau data through both
batch and online interfaces. This includes systems such as the sockets interface, Credit
Toolkit interface and the main Adam processing servers. This includes any related
documentation.

 

 

	 	1.4.	 	“CreditMo” shall refer to the Intersections’’ proprietary computer software and
systems, built by DMS, for monitoring changes in credit files over time by comparing a
baseline and new credit files. This system includes all the software and systems required
to format bureau batch requests, load the bureau response files, compare new report to
previous report and produce the changes and output as expected by Intersection’s. This
includes any related Documentation.
	 
	 	1.5.	 	“Customizations” means extensions, additional software code and alterations to the
Software Interfaces (defined in Section 2.3(a) below) written by DMS at the request of
Intersections on a time and materials basis. All such Customizations will be provided
under a separate Service Schedule.
	 
	 	1.6.	 	“Data Services” shall refer to the following services defined herein under Section 2:
Access & Normalization Services, Ongoing Monitoring of Credit Bureau Files, and
Maintenance, Upkeep and Operation of CreditMo.
	 
	 	1.7.	 	“Enhancements” shall refer to any modification or enhancement that, when made at the
request of Intersections to the Software, materially changes the Software utility,
functional capability or application. Enhancements shall not include Customizations.
	 
	 	1.8.	 	“Error” shall refer to either a failure of a the Software Interfaces and systems used
to deliver the services as defined in the SLA agreement, or a program or documentation
defect in Credit Toolkit or CreditMo resulting in (a) inability to use the Software
Interfaces, (b) an adverse impact on Intersections’ operations and services, or (c) damage
to the integrity of Intersections’ data base.
	 
	 	1.9.	 	“Error Correction” shall refer to either a software modification, Enhancement, or
addition that, when made or added to the Software Interfaces or systems, corrects the
Error, or a procedure or routine that, when observed in the regular
operation of the Software Interfaces, eliminates the practical adverse effect of the Error
on Intersections.
	 
	 	1.10.	 	“Internal Purposes” shall refer to the credit services related to the Business of
Intersections and other strictly internal purposes of (i) Intersections, (ii)
Intersections’ Affiliates and (iii) a successor of Intersections. The parties hereto
expressly agree that “Internal Purposes” shall not include providing credit report merging
and monitoring services or services other than that which is the Business of
Intersections.
	 
	 	1.11.	 	“SLA” shall refer to the Service Level Agreement identified in Appendix A that
defines the performance metrics, expectations and responsibilities between Intersections
Inc and DMS.
	 
	 	1.12.	 	“Software Update” refers to a subsequent version of the Licensed Software that
includes Enhancements and/or Error Corrections.

	2.	 	Services. The following services shall be provided in accordance with the SLA:

	 	2.1.	 	Access & Normalization of Credit Bureau Files. DMS will provide Intersections with
both raw and normalized credit bureau data through either its Credit Toolkit software
interface or through use of Intersections CreditMo software (“Access & Normalization
Services”).

S -2

 

	 	2.2.	 	Ongoing Monitoring of Credit Bureau Files. DMS will conduct daily and monthly
monitoring of credit bureau data and provide Intersections with the changes in data at the
frequency defined in the SLA. DMS will provide this service using the CreditMo software
(“Ongoing Monitoring of Credit Bureau Files”).
	 
	 	2.3.	 	Maintenance, Upkeep and Operation of CreditMo

	 	a.	 	During the Term of this Schedule and subject to the terms and conditions
set forth herein, DMS will provide the support and maintenance services (the “Basic
Maintenance Services”) described in this Section 2 for Credit Toolkit and Credit Mo
(together “Software Interfaces”). In providing these services, DMS will provide:

	 	1.	 	Development efforts, research and analysis required to
resolve production issues or Errors that are currently or may begin impacting
the Service Performance Standards as defined in the SLA. Such Performance
Standards include but are not limited to:

	 	 (a)	 	“Error” fixes;
	 
	 	 (b)	 	Scaling for growth to include capacity and
efficiency requirements;
	 
	 	 (c)	 	Ongoing tuning of comparison logic,
matching, and /de-duplication logic that addresses miss matches,
improper groupings, false positives or other errors with these
processes that result in inaccurate or incorrect data being delivered
to Intersections or its customers.
	 
	 	 (d)	 	Fine tuning of processes and minor
modifications that improve customer or or Intersections experience;
	 
	 	 (e)	 	Development to support changes instigated
by the credit bureaus, credit industry, or Government legislation in
order to continue delivery of results as defined in the Service
Performance Standards as defined in the SLA;

	 	2.	 	Support changes within data layout and content as delivered
by the major credit bureaus (Equifax, Experian and Trans Union), including
data and version changes as defined in the SLA.
	 
	 	3.	 	Provide telephone support related to the Software Interfaces
and Services during normal business hours (7am to 6pm Central Time).

	 	b.	 	DMS will provide support and maintenance services beyond the Basic
Maintenance Services described above. Any such additional services shall be set forth
in a separate written schedule agreed to by both parties.

S -3

 

	 	c.	 	DMS shall not be obligated to provide the Basic Maintenance Services unless
and until all of the following conditions have been met:

	 	1.	 	Intersections has consulted with DMS, exercised reasonable effort and
diligence in attempt to resolve the problem, but has been unable to do so;
	 
	 	2.	 	the problem is the result of reproducible program error or
malfunction caused by DMS;
	 
	 	3.	 	Intersections has not changed, modified or damaged the Software
Interfaces (excluding modifications made under the direct supervision of DMS;
	 
	 	4.	 	Where applicable, Intersections shall have installed and implemented
Software Interface Enhancements or updates such that the version/release level of
the Software Interfaces are ones supported by DMS (DMS’ then current release and
the immediately preceding release of the Software Interfaces); and
	 
	 	5.	 	Intersections shall have installed any hardware or software necessary
for the proper operation of the Software Interfaces as provided by DMS.

	 	2.4.	 	Enhancements and Customizations. Any Enhancements and Customizations must be mutually
agreed to in writing and set forth in a separate schedule.

	3.	 	Licenses

	 	3.1.	 	License from DMS to Intersections for Credit Toolkit

	 	a.	 	DMS hereby grants Intersections a non-exclusive license (without the right to
assign, transfer or sublicense except to Intersections’ Affiliates) to use the Credit
Toolkit software interface, at Intersections’ principal office location and facilities
owned or leased by Intersections for Internal Purposes only and in accordance with the
terms and conditions set forth herein.
	 
	 	b.	 	Any Enhancements of Credit Toolkit whether made or provided by DMS,
Intersections or Intersections personnel shall become part of Credit Toolkit and
remain the Intellectual Property of DMS subject to the terms and conditions hereof.
	 
	 	c.	 	Unless otherwise agreed to in writing by the parties, any Enhancements to the
Credit Toolkit, including any intellectual property rights associated therewith, made
or provided by DMS hereunder (whether alone or with any contribution from
Intersections or its personnel) shall be owned exclusively by DMS. Should
Intersections or its personnel obtain any right or interest in Credit Toolkit and any
Enhancements of Credit Toolkit by operation of law, Intersections irrevocably assigns
all such rights and interest exclusively to DMS. Intersections hereby agrees to
execute such further instruments and documents as, in the reasonable judgment of DMS,
are or may become necessary to carry out or effectuate the assignment of any rights or
interest in and to Credit Toolkit and any Enhancements thereto. Notwithstanding anything to the contrary in this

S -4

 

	 	 	 	Agreement, DMS (i) will retain all right, title and
interest in and to all software development tools, know-how, methodologies, processes,
techniques,
technologies or algorithms used in performing the Services which are based on trade
secrets or proprietary information of DMS or are otherwise owned or licensed by DMS
(collectively, “Tools”), (ii) will be free to use, royalty-free, any ideas,
concepts, methodologies, processes and know how developed or created by DMS in
performing the Services, and (iii) will retain ownership of any pre-existing DMS
software or development Tools that are used in providing the Services under this
Schedule.
	 
	 	d.	 	Intersection shall not install Credit Toolkit at any location other than a
facility owned or leased by Intersections without DMS’ prior express written
authorization, which will not be unreasonably withheld.
	 
	 	e.	 	Intersections acknowledges that DMS has and retains all right, title and
interest in and to Credit Toolkit and that full title to and ownership of Credit
Toolkit, including without limitation all intellectual property rights, remains with
DMS. Intersections has no rights in or to Credit Toolkit except as expressly granted
under this Agreement.
	 
	 	f.	 	In no event shall Credit Toolkit or any portion thereof be disclosed, made
available to or used for the benefit of any third party, sold, assigned, leased,
sublicensed or otherwise disposed of, commercially exploited or marketed in any way,
with or without change, by Intersections or any of Intersections’ subsidiaries,
affiliates, employees or agents, other than for the purpose of operating and servicing
the Business of Intersections. No service bureau work or time-sharing arrangement is
permitted. Intersections will treat and hold the Credit Toolkit in strict confidence,
will restrict assess to the Credit Toolkit to Intersections’ authorized employees and
will inform Intersections’ employees of the provisions of this Section.
Intersections’ obligations under this Section will survive any termination, rescission
or expiration of this Agreement.
	 
	 	g.	 	Intersections acknowledges the proprietary and confidential nature of Credit
Toolkit, that DMS’ copyright subsist in Credit Toolkit, and that the existence of a
copyright notice will not cause or be construed as causing Credit Toolkit to be in the
public domain. Intersections may not copy Credit Toolkit other than for archival or
backup purposes unless specifically authorized in writing by DMS in advance, or
pursuant to the terms of this Agreement. Intersections will retain in any such copy
of Credit Toolkit or the Documentation, and will affix to the media upon which it is
copied, any proprietary markings or legends placed upon or contained within Credit
Toolkit or Documentation.
	 
	 	h.	 	DMS may, at any time during the term of this Agreement and with ten business
days’ prior notice, gain access to Intersections’ premises, for the limited purpose of
conducting an inspection to determine and verify that Intersections is in compliance
with the terms and conditions hereof. Intersections will promptly grant such access
and cooperate with DMS in the inspection; provided, however, that the
inspection will be conducted in a manner that will not unreasonably disrupt
Intersections’ business and will be restricted in scope, manner and duration to that
reasonably necessary to achieve its purpose.

S -5

 

	 	i.	 	Intersections agrees that Credit Toolkit is and will remain after termination
of this Agreement the valuable, proprietary and confidential property of DMS, that the
violation of any of the foregoing paragraphs of this Section would cause DMS
irreparable injury for which it would have no adequate remedy at law, and that DMS
will be entitled to preliminary and other injunctive relieve against any such
violation. Such injunctive relief will be in addition to, and in no way in limitation
of, any other remedies or rights that DMS may have at law or in equity.

	 	3.2.	 	License from Intersections to DMS for CreditMo

	 	a.	 	Intersections hereby grants DMS a non-exclusive, non-transferable license to
use, upgrade, and maintain the CreditMo software during the Term of this Schedule.
	 
	 	b.	 	Any Enhancements of CreditMo whether made or provided by Intersections, DMS
or DMS’s personnel shall become part of CreditMo and subject to the terms and
conditions hereof.
	 
	 	c.	 	Unless otherwise agreed to in writing by the parties, any Enhancements to the
CreditMo, including any intellectual property rights associated therewith, made or
provided by DMS hereunder (whether alone or with any contribution from Intersections
or its personnel) shall be owned exclusively by Intersections. Should DMS or its
personnel obtain any right or interest in CreditMo and any Enhancements of CreditMo by
operation of law, DMS irrevocably assigns all such rights and interest exclusively to
Intersections. DMS hereby agrees to execute such further instruments and documents
as, in the reasonable judgment of Intersections, are or may become necessary to carry
out or effectuate the assignment of any rights or interest in and to CreditMo and any
Enhancements thereto. Notwithstanding anything to the contrary in this Agreement, DMS
(i) will retain all right, title and interest in and to all software development
tools, know-how, methodologies, processes, techniques,
technologies or algorithms used in performing the Services which are based on trade
secrets or proprietary information of DMS or are otherwise owned or licensed by DMS
(collectively, “Tools”), (ii) will be free to use, royalty-free, any ideas,
concepts, methodologies, processes and know how developed or created by DMS in
performing the Services, and (iii) will retain ownership of any preexisting DMS
software or development Tools that are used in providing the Services under this
Schedule.

	4.	 	Payment

	 	4.1.	 	The Services identified in Section 2 above shall be provided on a fixed fee basis in
accordance with the fees set forth in 4.2 and 4.3 below and as provided for in the Master
Agreement.
	 
	 	4.2.	 	Intersections agrees to pay DMS a monthly fee of $50,000 for the Access &
Normalization Services provided hereunder.

S -6

 

	 	4.3.	 	Intersections agrees to pay DMS a monthly fee of $20,000 for the Ongoing Monitoring
of the Credit Bureau File Services and Maintenance, Upkeep and Operation of CreditMo
provided hereunder.
	 
	 	4.4.	 	Intersections agrees to reimburse DMS for travel related expenses that are
pre-approved in writing by Intersections .
	 
	 	4.5.	 	Intersections agrees to reimburse DMS for Enhancements that the parties agree (in
writing) are outside the scope of BasicMaintenance Services as set forth in Section 2.3(a)
above. Such agreements shall be in writing and paid in accordance with the terms of the
Master Services Agreement.

	5.	 	Term & Termination

	 	5.1.	 	The Term of this Schedule shall commence on the date of the Effective Date of Master
Services Agreement is executed and unless terminated in accordance with Section 5 of the
Master Services Agreement, continue for five years from the Effective Date. Thereafter,
this Schedule shall automatically renew for five year terms unless either party provides
the other party with its written intent not to renew within six months of the end of the
then-current term.

	5.2.	 	Effects of Termination

	 	a.	 	Upon termination, all licenses granted hereunder shall automatically
terminate and revert back to the respective owner;
	 
	 	b.	 	Intersections will promptly remove Credit Toolkit from its computers, return
all copies of Credit Toolkit (including Documentation) to DMS,
and execute and deliver to DMS a certificate, signed by an officer of
Intersections, stating that all copies of Credit Toolkit have been removed and
returned;
	 
	 	c.	 	Upon termination of this Agreement by either party in accordance with this
Section, DMS’ obligation to provide warranty, maintenance or other services under this
Agreement or a separate agreement shall cease.

	6.	 	Intellectual Property Indemnification

	 	6.1.	 	DMS shall defend, indemnify and hold Intersections harmless form and against any
third party claim of patent or copyright infringement relating to the Credit Toolkit,
provided that Intersections promptly notifies DMS in writing of any such claim and allows
DMS to control, and fully cooperates with DMS in, the defense of any such claim and all
related settlement negotiations. In the event an injunction is sought or obtained against
Intersections’ use of the Credit Toolkit as a result of any such infringement claim, DMS
shall, at its sole option and express, either (a) procure for Intersections the right to
continue using Credit Toolkit, (b) replace or modify Credit Toolkit so that it does not
infringe, of (c) terminate the license relating to Credit Toolkit and refund to
Intersections an amount equal to the fees, if any, paid by Intersections hereunder in
respect of any services not yet performed as of the date of termination. THE FOREGOING
CONSTITUTES THE ENTIRE LIABILITY OF DMS AND

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	 	 	 	INTERSECTIONS’S SOLE AND EXCLUSIVE REMEDY WITH
RESPECT TO ANY CLAIMS OF PATENT OR COPYRIGHT INFRINGEMENT.

	7.	 	Limited Warranty

	 	7.1.	 	DMS does not warrant that the Credit Toolkit will meet Intersections’ requirements or
that its operation will be uninterrupted or error free. This warranty does not cover any
product or component that has been altered or changed in any way by anyone other than DMS,
and DMS is not responsible for problems caused by hardware, components or software
(including Credit Mo), or services (including such services as internet,
telecommunications, credit bureau data or connectivity) not provided by DMS. In the event
of a breach of the foregoing warranty, DMS’ sole obligation, and Intersections’ sole and
exclusive remedy, shall be that DMS shall promptly correct the non-conforming Software
Interfaces without charge. THE FOREGOING WARRANTY IS IN LIEU OF ALL OTHER WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE.

IN WITNESS WHEREOF, the Parties hereto, intending to be legally bound hereby, have each caused its
duly authorized officers or representatives to be affixed hereto.

	 	 	 	 	 	 	 	 	 
	INTERSECTIONS INC.	 	 	 	DIGITAL MATRIX SYSTEMS, INC.
	 
	 	 	 	 	 	 	 	 
	By:

	 	 	 	 	 	By:	 	 
	 

	 	 
	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	Name:

	 	 	 	 	 	Name:	 	 
	 

	 	 
	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	Title:

	 	 	 	 	 	Title:	 	 
	 

	 	 
	 	 	 	 	 	 

	 	 	 	 	 
	Date
	 	 	 	 
	Signed: ___day of                     , 2006

	 	 	 	Signed: ___day of                     , 2006

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