Document:

EX-10.6.2

 Exhibit 10.6.2 

SECOND AMENDMENT TO LEASE 

This Second Amendment To Lease (“2nd
Amendment”) is made this 20th day of June, 2018, and shall be effective as of January 1, 2018 (the “Effective Date”),
by and between Pontiac Center Investment, LLC, a Michigan limited liability company (the “Landlord”) and United Shore Financial Services, LLC, a Michigan limited liability company
(the “Tenant”) with respect to the Lease dated June 28, 2017, as amended pursuant to the First Amendment To Lease dated May 11, 2018 (collectively, the
“Lease”) of the premises commonly known as 585 South Boulevard East, Pontiac, Michigan, as more particularly described in the Lease (the
“Premises”). 
 RECITALS: 

WHEREAS, following the execution and delivery of the Lease the Landlord and Tenant have agreed and acknowledged that the leasehold
improvements made to the Premises by the Tenant have far exceeded the Tenant’s commitment and the Landlord and Tenant desire to amend the Lease to incorporate a tenant improvement allowance as provided in this 2nd Amendment; 

NOW, THEREFORE, in consideration of the promises and covenants set forth in this 2nd Amendment, and other good and valuable consideration, the
receipt and legal sufficiency of which is hereby severally acknowledged, the Landlord and Tenant hereby agree as follows: 

1.    Capitalized Terms. All capitalized terms used in this 2nd Amendment and not otherwise defined herein shall have the
meanings ascribed to such terms in the Lease. 
 2.    Amendment of Lease. The Landlord and Tenant hereby agree that the
Lease shall be amended by adding the following Section 9.3: 
 “9.3 Landlord agrees to provide an allowance of up to Fourteen
Million and 00/100 ($14,000,000.00) Dollars (the “Tenant Improvement Allowance”) upon the terms set forth in this Section 9.3. The Tenant Improvement Allowance may be used to pay
the cost of the improvements commissioned by the Tenant, including, without limitation: (a) architectural, engineering and professional fees; (b) construction costs; (c) voice and data wiring; (d) new furniture or used quality
furniture acquired from an unaffiliated third party and fixtures; (e) equipment and materials costs (solely concerning or for use in the Premises); (f) the cost of moving expenses; and (g) any other costs and/or expenses which may be
approved by the Landlord, in its sole and absolute 

  
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discretion. The Tenant Improvement Allowance shall be disbursed by Landlord to the contractors and material suppliers on a monthly basis following the delivery to Landlord of appropriate
applications for payment accompanied by: (i) sworn statements, conditional waivers of lien and the review and approval of the work by performed by the general contractor or architect; or (ii) paid receipts with respect to materials,
furniture, fixtures and personal property. All tenant improvements and work performed by or for Tenant shall comply with all applicable laws, regulations and ordinances, and shall be completed by duly insured contractors, which are licensed if
required by applicable law. Upon completion of the tenant improvements, the Tenant shall arrange to provide Landlord with “as-built” plans and copies of all construction contracts, warranties and
guaranties concerning all improvements performed by, or at the request of, the Tenant. 
 3.    Counterparts and Execution.
This 2nd Amendment may be executed in any number of counterparts each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. Facsimile
signatures and electronically transmitted copies of signatures (e.g., in an Adobe PDF file) shall be deemed valid and binding to the same extent as original signatures. 

4.    Ratification of Lease. Except as expressly amended hereby, the Lease shall remain in full force and effect between the
Landlord and Tenant and is hereby ratified and affirmed by them. 
 [Signatures contained on following page] 

  
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 WHEREFOR, the Landlord and Tenant have executed this 2nd Amendment to the Lease as of the date first set forth above. 
  

			
	LANDLORD:
	
	Pontiac Center Investment, LLC,
	a Michigan limited liability company
		
	By:	 	 /s/ Jeffrey A. Ishbia

		 	Jeffrey A. Ishbia
	Its:	 	Manager
	
	TENANT:
	
	United Shore Financial Services, LLC,
	a Michigan limited liability company
		
	By:	 	 /s/ Mathew Ishbia

		 	Mathew Ishbia
	Its:	 	Chief Executive Officer

  
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 Exhibit 10.6.3 

THIRD AMENDMENT TO LEASE 

This Third Amendment To Lease (“3rd
Amendment”) is made this 28th day of September, 2018, and shall be effective as of January 1, 2018 (the “Effective Date”), by and between
Pontiac Center Investment, LLC, a Michigan limited liability company (the “Landlord”) and United Shore Financial Services, LLC, a Michigan limited liability company (the
“Tenant”) with respect to the Lease dated June 28, 2017, as amended pursuant to the First Amendment To Lease dated May 11, 2018, and Second Amendment To Lease dated
June 20, 2018 (collectively, the “Lease”) of the premises commonly known as 585 South Boulevard East, Pontiac, Michigan, as more particularly described in the Lease (the
“Premises”).  
 RECITALS: 

WHEREAS, following the execution and delivery of the Lease the Landlord has acquired additional real estate surrounding the Premises which
Tenant desires to use for parking and other permitted purposes and Landlord and Tenant have agreed to amend the Lease to include the additional land described in this 3rd Amendment and to
otherwise modify the Lease as provided in this 3rd Amendment; 
 NOW, THEREFORE, in
consideration of the promises and covenants set forth in this 3rd Amendment, and other good and valuable consideration, the receipt and legal sufficiency of which is hereby severally acknowledged,
the Landlord and Tenant hereby agree as follows: 
 1.    Capitalized Terms. All capitalized terms used in this 3rd Amendment and not otherwise defined herein shall have the meanings ascribed to such terms in the Lease. 

2.    Amendment of Lease. The Landlord and Tenant hereby agree that the Lease shall be amended as follows: 

(a)    Section 1(d) and Exhibit “A” of the Lease are hereby stricken and deleted and shall be
replaced with and superseded by the following amended Section 1(d) and Exhibit “A”: 
 “(d)    Demised
Premises: The improved commercial real estate commonly known as 585 South Boulevard, Pontiac, Michigan (Parcel
No. 64-14-34-351-006) containing approximately 50.488 acres, more or less, together
with the following adjacent parcels: (i) 525 Martin Luther King Jr. Boulevard, Pontiac, Michigan (Parcel
No. 64-14-34-302-001) containing approximately 1.98 

  
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acres, more or less; (ii) 531 Bradford Street, Pontiac, Michigan (Parcel No. 64-14-34-380-002) containing approximately 0.504 acres, more or less; (iii) 707 South Boulevard East, Pontiac, Michigan (Parcel No. 64-14-34-380-041- Centerpoint Unit 18) containing approximately 6.266 acres,
more or less; (iv) vacated Tex Avenue (Parcel No. 64-14-34-380-046) containing
approximately 0.362 acres, more or less; (v) 671 South Boulevard East, Pontiac, Michigan (Parcel
No. 64-14-34-351-007) containing approximately 0.943 acres, more or less; and
(vi) Vacated Bradford Street (Parcel No. 64-14-34-380-043) containing
approximately 0.480 acres, more or less; all as more particularly identified in Exhibit “A” attached hereto and incorporated herein by this reference, which shall replace and supersede Exhibit “A” to the
Lease.” 
 (b)    Section 1(f) of the Lease is hereby amended to read as follows: 

“(f)    Expiration Date: December 31, 2037 (end of 20th Lease
Year). 
 (c)    Exhibit “B” to the Lease referenced in Section 1(g) is hereby deleted and
stricken from the Lease and shall be replaced with and superseded by Exhibit “B” attached hereto and incorporated herein by this reference. 

(d)    Section 2.1 of the Lease is hereby stricken and deleted and shall be replaced with and superseded by
the following: 
 “2.1    Landlord is the owner of certain land and improvements, more particularly described on
Exhibit “A” attached hereto, including 585 South Boulevard, Pontiac, Michigan, which contains approximately 50.488 acres, more or less, upon which there has been constructed a first-class three (3) story office building with
auditorium and other amenities (the “Building”), containing approximately 593,974 gross square feet, including certain lobbies, atriums, walkways, hallways, restrooms, janitorial closets, mailrooms, meeting
areas, cafeterias, vending areas and other similar facilities provided for the use or benefit of Tenant and/or for the public located in the Building together with the surface parking facilities, streets, sidewalks and landscaped areas situated
thereon; together with the following adjacent real estate: (i) 525 Martin Luther King Jr. Boulevard, Pontiac, Michigan (Parcel No. 64-14-34-302-001) containing approximately 1.98 acres, more or less; (ii) 531 Bradford Street, Pontiac, Michigan (Parcel
No. 64-14-34-380-002) containing approximately 0.504 acres, more or less; (iii) 707
South Boulevard East, Pontiac, Michigan (Parcel
No. 64-14-34-380-041- Centerpoint Unit 18)
containing approximately 6.266 acres, more or less; (iv) vacated Tex Avenue (Parcel
No. 64-14-34-380-046) containing approximately 0.362 acres, more or less; (v) 671
South Boulevard East, Pontiac, Michigan (Parcel No. 64-14-34-351-007) containing
approximately 0.943 acres, more or less; and (vi) Vacated Bradford Street (Parcel No.
64-14-34-380-043) containing approximately 0.480 acres, more or less (collectively, the
“Property”). The Property and Building are hereinafter collectively referred to as the “Demised Premises.” 

  
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 (e)    Section 5.3(a) of the Lease is hereby amended to read
as follow: 
  

	“(a)	 Tenant shall pay to Landlord as additional rental Tenant’s Share of Base Expenses, Base Taxes, Additional
Expenses, and Additional Taxes in the manner and at the times herein provided.” 

 3.    Counterparts and
Execution. This 3rd Amendment may be executed in any number of counterparts each of which shall be deemed an original, but all of which together shall constitute one and the same
instrument. Facsimile signatures and electronically transmitted copies of signatures (e.g., in an Adobe PDF file) shall be deemed valid and binding to the same extent as original signatures. 

4.    Ratification of Lease. Except as expressly amended hereby, the Lease shall remain in full force and effect between the
Landlord and Tenant and is hereby ratified and affirmed by them. 
 WHEREFOR, the Landlord and Tenant have executed this 3rd Amendment to the Lease as of the date first set forth above. 
  

			
	LANDLORD:
	
	Pontiac Center Investment, LLC,
	a Michigan limited liability company
		
	By:	 	 /s/ Jeffrey A. Ishbia

		 	Jeffrey A. Ishbia
	Its:	 	Manager
	
	TENANT:
	
	United Shore Financial Services, LLC,
	a Michigan limited liability company
		
	By:	 	 /s/ Mathew Ishbia

		 	Mathew Ishbia
	Its:	 	Chief Executive Officer

  
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