Document:

Sub-Lease

 Exhibit 10.28 
 SUB-LEASE 
 This Sub- Lease is made between the Tenant, BankFIRST,
Sublessor, Commercial Business Finance, and Landlord, Morse Boulevard Development Associates, LLC and constitutes a Sub-Lease between the parties for a portion of the “Demised Premises” in the “Building”, as defined in below, and
subject to the terms, conditions, covenants and agreements hereinafter set forth. 
 W I T N E S S E T H: 

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

  

					
	(a)	  	Date of this Sub-lease:	  	December 31, 2006
			
	(b)	  	Landlord:	  	Morse Boulevard Development Associates, LLC.
			
	©	  	Tenant:	  	BankFIRST
			
	(d)	  	Sub-Lessor:	  	Commercial Business Finance
			
	(e)	  	Sub-leased Premises:	  	See Exhibit “II”
			
	(f)	  	Anticipated Commencement Date:	  	February 1, 2007
			
	(g)	  	Expiration Date:	  	July 31, 2012
			
	(h)	  	Basic Rental:	  	See Exhibit “III”
			
	(i)	  	Sub-Lessor’s Share:	  	The percentage obtained by dividing the number of gross leasable square feet in the Demised Premises from time to time, by the total gross leasable square feet in the Development
from time to time. (Sublessor’s share is estimated to be 1,511 / 47,185 = 3.2 %.)
			
	(j)	  	Sub-Lessor’s Use:	  	General office
			
	(k)	  	Tenant’s Address for Notices:	  	 1031 W. Morse Boulevard
 Suite
323
 Winter Park, Florida 32789

Attention: Tom Abelmann

			
	(l)	  	Sublessor’s Address for Notices:	  	 1031 W. Morse Boulevard
 Suite
140
 Winter Park, Florida 32789

Attention: David Pape

			
	(m)	  	Landlord’s Address for Notices:	  	 Morse Boulevard Development Associates, LLC
 1031 W. Morse Boulevard
 Suite 300
 Winter Park, Florida 32789
 Attention: Goretti Garcia

			
	(n)	  	Security Deposit: $ NONE	  	

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

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

The Term shall commence on that date (hereinafter referred to as the “Commencement Date”) and, unless sooner terminated as
hereinafter provided, shall end on the “Expiration Date” set forth in Section 1(g) hereof. 
 Completion of Improvements

 Sublessor shall take their portion of the Demised Premises in an “as-is” condition. 

Rental 
 Sublessor
shall pay directly to Landlord as rental for the Demised Premises the Basic Rental set forth in Section 1(h) hereof, plus any increases thereto pursuant to this Section and the other provisions of this Sub-lease, all of which shall be payable
in equal monthly installments in advance, and as more particularly described in Section 1 (h). 
 Additional Information

 The Lease of the Tenant is incorporated into this Sub-Lease in the form of Exhibit “IV”. All of the rights,
rules, regulations, requirements, commitments, duties, obligations, remedies and agreements stated in the Lease also pertain to this Sub-Lease and are binding on all parties. 
 Landlord’s Right to Relocate Sublessor 
 During the term of this
Sub-Lease, Landlord, at Landlord’s option, shall have the right to request that Sublessor relocate its operation to another location within the Property as designated by Landlord (“Relocation Space”). Landlord shall give Sublessor
thirty (30) days written notice of said request to relocate 
 The square footage of the Relocation Space will be
determined and certified by Landlord’s Architect and shall not, without Sublessor’s consent, be more than the square footage of the Subleased Premises. Sublessor hereby agrees to execute an amendment to this Sub-Lease describing the
Relocation Space location, square footage and any other revision to the Sub-Lease brought upon by said relocation. Landlord shall use its best efforts to relocate Sublessor to a space comparable to the Sub-Leased Premises. Sublessor shall cooperate
in approving a space plan and executing an amendment to Sub-Lease without delay. 

 IN WITNESS WHEREOF, the parties hereto have executed this Sub-Lease as of this 31st
day of December, 2006. 
  

											
	WITNESS:	  		 	MORSE BOULEVARD DEVELOPMENT ASSOCIATES LLC.
					
		  		 		 		 	/s/ Lesley Moulton
					
	  
	  		 		 	By:	 	Lesley Moulton, Secretary of JTB, INC., Member
					
	  
	  		 		 		 	
		  		 	(As to Landlord)	 		 	
					
		  		 		 		 	“Landlord”
					
	WITNESS:	  		 		 		 	BankFIRST
						
	  
	  		 		 	By:	 		 	/s/ Donald J. McGowan
						
	  
	  		 		 		 	Its:	 	President & CEO
	(As to Tenant)	  		 		 		 		 	
		  		 		 		 	“Tenant”
					
	WITNESS:	  		 		 		 	Commercial Business Finance
						
	  
	  		 		 	By:	 		 	/s/ David G. Pape
						
		  		 		 		 	Its:	 	General Manager
	(As to Sublessor)	  		 		 		 		 	
		  		 		 		 	“Sublessor”

 EXHIBIT “I” 

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

 EXHIBIT “II” 

Floor plan showing First floor Sublessor space is attached. 

 EXHIBIT “III” 

RENTAL SCHEDULE 
 The Basic Rental as outlined during the term of this Sub-lease shall be payable according to the following schedule: 
  

					
	Base Rate	  	$	 31.59	  
	Annual Escalation	  	 	4	% 
	Tenant Space	  	 	1,511	  

  

											
	Start	 	  	  	End	  	Rate	  	Monthly	  	Yearly
	10/1/2006	 	-	  	7/31/2007	  	$ 31.59	  	$ 3,977.71	  	$ 47,732
	8/1/2007	 	-	  	7/31/2008	  	$ 32.85	  	$ 4,136.82	  	$ 49,642
	8/1/2008	 	-	  	7/31/2009	  	$ 34.17	  	$ 4,302.29	  	$ 51,627
	8/1/2009	 	-	  	7/31/2010	  	$ 35.53	  	$ 4,474.38	  	$ 53,693
	8/1/2010	 	-	  	7/31/2011	  	$ 36.96	  	$ 4,653.36	  	$ 55,840
	8/1/2011	 		  	7/31/2012	  	$ 38.43	  	$ 4,839.49	  	$ 58,074

  

	*	Does not include applicable sales tax or other charges 

	**	Assumes minimum escalation of 4%Amendment to Sub-Lease Agmt

 Exhibit 10.29 
 AMENDMENT TO SUB-LEASE 
 THIS AGREEMENT, made effective
as of the 1st day of August, 2010 by and between
BankFIRST, a Florida banking corporation (“BankFIRST”) and COMMERCIAL BUSINESS FINANCE CORP., a Florida corporation (“CBF”). 
 R E C I T A L S: 
  

	 	A.	BankFIRST and CBF entered into that certain Sub-Lease Agreement dated December 31, 2006; and 

 

	 	B.	MORSE BOULEVARD DEVELOPMENT ASSOCIATES, LLC, a Florida limited liability company, successor in interest to Morse Boulevard Development Associates, a Florida
general partnership, as Landlord, and BANKFIRST, a Florida banking corporation , as Tenant, have amended and restated the underlying master lease as of August 1, 2010 (“Master Lease”); and 

 

	 	C.	BankFIRST and CBF desire to amend the Sub-Lease to incorporate certain provisions of the Master Lease that are applicable to CBF in the manner hereinafter set
forth. 

 NOW THEREFORE, in consideration of the mutual covenants herein contained, the receipt and
sufficiency of which is hereby acknowledged, the parties agree as follows: 
 1. The foregoing recitals are true and
correct and are incorporated herein verbatim. 
 2. The Basic Rental for Suite140 consisting of 1,511 square feet from
August 1, 2010 through lease termination shall be as follows: 
  

							
	Time Period	 	Rent per Square Foot	 	Annual Rent *	 	Monthly Rent *
	 8/1/2010 to 7/31/2011
	 	$26.00	 	$39,286.00	 	$3,273.83
	 8/1/2011 to 7/31/2012
	 	$26.78	 	$40,464.58	 	$3,372.05
	 8/1/2012 to 7/31/2013
	 	$27.58	 	$41,673.38	 	$3,472.78
	 8/1/2013 to 7/31/2014
	 	$28.41	 	$42,927.51	 	$3,577.29
	 8/1/2014 to 7/31/2015
	 	$29.26	 	$44,211.86	 	$3,684.32
	 8/1/2015 to 7/31/2016
	 	$30.14	 	$45,541.54	 	$3,795.13
	 8/1/2016 to 7/31/2017
	 	$31.04	 	$46,901.44	 	$3,908.45
	 8/1/2017 to 7/31/2018
	 	$31.97	 	$48,306.67	 	$4,025.56
	 8/1/2018 to 7/31/2019
	 	$32.93	 	$49,757.23	 	$4,146.44
	 8/1/2019 to 7/31/2020
	 	$33.92	 	$51,253.12	 	$4,271.09

  

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

 3. The Master Lease provides that Common Area Maintenance charges shall be subject to
increase using 2012 as the new “base year” for such computation. CBF shall pay its pro-rata share of such CAM changes, plus applicable Florida sales or use tax, in proportion to area of the Building occupied by CBF to the total area
occupied by BankFIRST in the Building which is currently 8.33% (1,511/18,135). 
 4. The Expiration Date is amended such
that this Sub-Lease shall expire on July 31, 2020 unless earlier terminated pursuant to terms and conditions of the Sub-Lease. 
 5. Except as otherwise herein provided, the said Sub-Lease executed on the              day of December, 2006, is hereby ratified,
confirmed, re-executed and republished in its entirety. 
 IN WITNESS WHEREOF, the parties hereto have
executed this Amendment to Sub-Lease as of the 1st day of
August, 2010. 
  

							
	WITNESS:	 		 		 	
			
		 		 	BANKFIRST, a Florida banking corporation
				
	  
	 		 	By:	 	 /s/Thomas P. Abelmann

		 		 		 	Thomas P. Abelmann
		 		 		 	Sr. Executive Vice President, COO & CFO
	  
	 		 		 	
			
	WITNESS:	 		 	COMMERCIAL BUSINESS FINANCE CORP.,
		 		 	a Florida corporation
				
	  
	 		 	By:	 	 /s/ David G. Pape

		 		 		 	David G. Pape
		 		 		 	President and CEO

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