Document:

OFFICE
        LEASE - STONE POINTE OFFICE PARK

       

      THIS
        OFFICE LEASE ("Lease") is entered into effective July 1, 2003 by PD Properties,
        LLC, an Indiana limited liability company ("Landlord"), and Freedom Financial
        Mortgage Corp., an Indiana corporation ("Tenant").

       

      1. LEASE
        AND DESCRIPTION OF LEASED PREMISES. Landlord
        leases to Tenant, and Tenant leases from Landlord, the office space and existing
        improvements consisting of approximately 2,277 sq. ft. commonly known 421
        E.
        Cook Road, Suite 100, Fort Wayne, Allen County, Indiana 46825 (the "Premises"),
        located on real estate legally described in the addendum attached to this
        Lease
        as Exhibit "A" (the "Real Estate"). The Premises is located in an office
        building situated on the Real Estate (the "Building").

       

      2.
         ACCEPTANCE
        AND SURRENDER OF PREMISES AND REMOVAL OF TRADE
        FIXTURES.

       

      2.1. Tenant
        accepts the Premises as being in a state of good and acceptable repair and
        condition. Tenant shall surrender the Premises to Landlord at the end of
        the
        Lease Term (as that term is defined in Section
        3.1)
        in the
        same condition as when Tenant took possession, allowing for reasonable use
        and
        wear, subject to the provisions in Section
        2.2.

       

      2.2. Upon
        termination of this Lease, Landlord shall have the option either to require
        Tenant to remove all trade fixtures then located on the Premises ("Trade
        Fixtures"), if any, and restore the Premises to the condition described in
        Section
        2.1.
        or to
        require that all Trade Fixtures remain attached to the Premises, and become
        the
        property of Landlord.

       

      3. TERM.

       

      3.1. Term. The
        term
        of this Lease shall be for 36 months, commencing on July 1, 2003 (the
        "Commencement Date"), and ending on June 30, 2006 (the "Lease Term"), unless
        terminated earlier under this Lease.

      

      
        
          
          

        

        
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      4. RENT.

       

      4.1. As
        rent
        for the Premises, Tenant shall pay Landlord the sum of $34,740 per year,
        payable
        in equal monthly installments of $2,895 each ("Monthly Rent"). The first
        payment
        of Monthly Rent is due on the Commencement Date, and successive payments
        of a
        like amount are due and payable on the first day of each succeeding calendar
        month during the Lease Term. If the Commencement Date is on a day other than
        the
        first day of any calendar month, Tenant shall pay the pro-rata share of rent
        due
        for the unexpired time in the first month, in additional to rent due for
        the
        full month following. All payments under this Lease shall be made in full
        and
        without right of offset or deduction of any kind, and shall be prorated for
        any
        part of a month.

       

      4.2. Late
        Charges.
        Tenant
        acknowledges that late payment by Tenant to Landlord of Monthly Rent and
        other
        sums due under this Lease will cause Landlord to incur costs not contemplated
        by
        this Lease, the exact amount of which will be difficult to ascertain. Such
        costs
        include, but are not limited to, processing and accounting charges, and late
        charges which may be imposed upon Landlord by the terms of any mortgage covering
        the Premises. Accordingly, if any installment of rent or any other sum due
        from
        Tenant shall not be received by Landlord within five days after such amount
        shall be due, then, without any requirement for Notice (as that term is defined
        in Section
        22.1)
        to
        Tenant, Tenant shall pay to Landlord a late charge equal to 10% of such overdue
        amount. The parties agree that such late charge represents a fair and reasonable
        estimate of the costs Landlord will incur by reason of late payment by Tenant.
        Acceptance of such late charge by Landlord in no event shall constitute a
        waiver
        of Tenant's default with respect to such over due amount, or prevent Landlord
        from exercising any of the other rights and remedies granted under this
        Lease.

       

      5. USE
        OF PREMISES. The
        Premises are leased to be used only for general office purposes. Tenant may
        not
        use, or permit the use of, the Premises for any other purpose without first
        obtaining the express prior consent of Landlord or of Landlord's authorized
        agent. Tenant shall not commit, or allow to be committed, any waste on the
        Premises (either ameliorating or deteriorating), create or allow a nuisance
        to
        exist on the Premises, or use or allow the Premises to be used for any unlawful
        purpose or any purpose which increase Landlord's insurance premiums on the
        Premises, the Building, or the Real Estate. Landlord makes no representation
        concerning the suitability of the Premises, either structurally or pursuant
        to
        any governmental land use or environmental laws or regulations, for Tenant's
        permitted uses.

       

      6. TAXES
        AND ASSESSMENTS.
        Landlord
        shall pay all real property taxes and assessments on the Premises during
        the
        Lease Term. Tenant shall be solely responsible for and pay all personal property
        taxes assessed for the Trade Fixtures, inventory, equipment, and all other
        personal property of Tenant on the Premises. All taxes shall be paid prior
        to
        delinquency. Each party who is responsible to pay taxes under this Section
        6,
        shall
        provide the other party, upon request, with proof of payment of such
        taxes.

       

      
        
          
          

        

        
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      7. RISK
        OF LOSS AND INSURANCE.

       

      7.1. Landlord's
        Risk of Loss.Landlord
        shall bear the risk of loss arising from damage to, or loss of, the
        Premises.

       

      7.2. Tenant's
        Risk of Loss. Tenant
        shall bear the risk of loss arising from damage to, or loss of, the interior
        of
        the Premises (including without limitation all wall coverings, carpeting,
        and
        decorations), Tenant's personal property and any Trade Fixtures located on
        the
        Premises, and any interruption of Tenant's business use of the
        Premises.

       

      7.3. Tenant's
        Insurance. Tenant,
        at Tenant's sole cost and expense, shall obtain and maintain at all times
        during
        the Lease Term, the following policies of insurance:

       

      7.3.1. Liability
        insurance insuring both Tenant and Landlord for injuries to person or damage
        to
        property occasioned or resulting from any use of the Premises during the
        term of
        this Lease, with coverage to be in an amount not less than $1,000,000;
        and

       

      7.3.2. Insurance
        on Tenant's contents in, and inventory and other personal property on and
        around, the Premises, including all Trade Fixtures, with coverage in an amount
        not less than $50,000.

       

      7.4. Additional
        Insured. Any
        policy of insurance obtained under Section
        7.3.1 shall
        name
        Landlord and Landlord's lenders as additional insureds. No party named as
        an
        additional insured shall incur any liability for the payment of premiums
        for any
        such policy.

       

      7.5. Proof
        of Coverage and Payment Notice. Tenant
        shall provide Landlord, upon request, with a certificate of insurance or
        a
        reproduction of each insurance policy required under Section
        7.3,
        and
        satisfactory proof that all premiums due have been paid, and that each such
        policy is in full force and effect at all times during the Lease Term. All
        policies of insurance obtained under Section
        7.3.1
        shall
        include an addendum or rider to the effect that Landlord shall be notified
        by
        the insurer, in writing, not less than ten days prior to the expiration or
        termination of any such policy of insurance.

       

      7.6. Indemnity. In
        addition and supplemental to any such liability insurance, Tenant indemnifies
        and holds Landlord harmless from any damage, loss, or claim, including
        reasonable attorneys' fees and expenses, arising out of any use of the Premises
        during the Lease Term, unless caused by the act or omission of Landlord or
        Landlord's agents, employees, licensees, or invitees, or any other tenant
        of
        Landlord in the Building, and except as provided in Section
        7.7.

       

      7.7. Waiver
        of Right of Subrogation.

       

      7.7.1.
        Landlord releases Tenant, to the extent Landlord has insurance coverage against
        the hazards to which this release applies, from liability for loss or damage
        caused by casualties
        insured against under this Lease, notwithstanding any fault or negligence
        of
        Tenant or Tenant's agents; provided, however, that this release shall be
        effective only if Landlord's policy or policies of insurance contain a waiver
        of
        right of subrogation clause which provides that a release given by an insured
        shall not affect the policy or the right of the named insured to recover
        under
        the policy.

       

      
        
          
          

        

        
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      7.7.2. Tenant
        releases Landlord, to the extent Tenant has insurance coverage against the
        hazards to which this release applies, from liability for loss or damage
        caused
        by casualties insured against under this Lease, notwithstanding any fault
        or
        negligence of Landlord or Landlord's agents; provided, however, that this
        release shall be effective only if Tenant's policy or policies of insurance
        contain a waiver of right of subrogation clause which provides that a release
        given by an insured shall not affect the policy or the right of the named
        insured to recover under the policy.

       

      7.7.3. Each
        party agrees to have its insurance policy or policies include a waiver of
        right
        of subrogation clause if it is includable without additional premium. However,
        if an insurance carrier requires additional premium for a waiver of right
        of
        subrogation clause, then the party in whose favor the release would operate
        (Tenant in the case of Section
        7.7.1,
        and
        Landlord in the case of Section
        7.7.2)
        shall
        bear the cost of such premium. Refusal of a party to pay such cost on demand
        excuses the other party from obtaining a waiver of right of subrogation clause,
        with the result that the release in favor of the refusing party will not
        be
        effective.

       

      8. PAYMENT
        OF UTILITIES. Landlord
        shall pay all charges for electric, gas, water, and sewage utility services
        furnished to the Premises during the Lease Term. Tenant shall pay when due
        all
        charges for telephone and internet services furnished to the Premises during
        the
        Lease Term. If Tenant fails to timely pay any such utility charge, and such
        failure results in the creation of a lien against the Premises or any part
        of
        the Real Estate, Landlord may pay such charge, which then shall be considered
        as
        additional rent immediately due and payable by Tenant to Landlord.

       

      9. REPAIRS,
        MAINTENANCE, AND ALTERATIONS.

       

      9.1. Landlord's
        Obligations. Landlord,
        at Landlord's cost and expense, shall maintain, repair, and keep the exterior
        of
        the Premises, including without limitation, the roof, roof structure,
        foundation, walls, drive lanes, parking areas, and other paved areas, doors,
        adjacent sidewalks, landscaping, and all mechanical, plumbing, heating,
        ventilating, air conditioning, and electrical systems, in good, safe, and
        usable
        repair and condition, except for any damage to any such item caused by an
        act or
        omission of Tenant or Tenant's agents, employees, contractors, licensees,
        or
        invitees (for which items Tenant shall be responsible). Landlord also shall
        be
        responsible to remove snow and ice from the parking lot and sidewalks on
        the
        Real Estate in a commercially reasonable manner, and to provide janitorial
        service (including trash removal) for the Premises.

       

      9.2.
        Tenant's
        Obligations. Tenant,
        at Tenant's sole cost and expense, shall maintain, repair, and keep in good,
        safe, and useable repair and condition, the interior of the Premises,
all
        personal property of Tenant and any Trade Fixtures located on the Premises,
        and
        window glass on the Premises (including exterior and interior window
        cleaning).

       

      
        
          
          

        

        
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      9.3. Alternations
        and Improvements.

       

      9.3.1. Tenant
        shall not alter or improve the Premises (including without limitation, painting,
        wallpapering, and carpeting) without the prior consent of Landlord to do
        so. Any
        such alteration, addition, improvement, or fixture (except any Trade Fixtures
        specifically identified by Landlord in writing as Tenant's property under
        Section
        2.2,
        but
        subject to Tenant's responsibility to repair any damage or injury to the
        Premises caused by removal of Trade Fixtures), made or placed in or on the
        Premises shall, upon expiration of this Lease or its earlier termination,
        belong
        to Landlord without compensation to Tenant. Before installation of any fixture,
        or initiation of work on any alterations or improvement, in or on the Premises,
        Tenant shall submit plans, specifications, and designs for such work to Landlord
        for approval. If Tenant's plans, specifications, and designs are disapproved
        by
        Landlord, such fixtures or work shall not be installed or commenced until
        all
        changes required by Landlord are made.

       

      9.3.2. Landlord
        shall not be liable or responsible for ensuring that any alteration, addition,
        repair, improvement, or decoration to the Premises made by Tenant is in
        conformance with any applicable federal, state, or local law, regulation,
        or
        ordinance, including but not limited to, the Americans With Disabilities
        Act of
        1990, 42 U.S.C. §12101, et seq. It shall be Tenant's responsibility to comply
        with all applicable federal, state, or local laws, including the Americans
        With
        Disabilities Act, and Tenant agrees to indemnify and hold Landlord harmless
        from
        any fine, penalty, charge, assessment, liability, or expense incurred by
        Landlord, or assessed against the Premises as a result of Tenant's failure
        to
        conform any such alteration, addition, repair, improvement, or decoration
        with
        any applicable federal, state or local law, regulation, or ordinance as provided
        in this Section
        9.3.2.

       

      9.3.3. Tenant
        shall not be liable or responsible for ensuring that any alteration, addition,
        repair, improvement, or decoration to the Premises made by Landlord is in
        conformance with any applicable federal, state, or local law, regulation,
        or
        ordinance, including, but not limited to, the Americans with Disabilities
        Act of
        1990, 42 U.S.C. §12101, et seq. It shall be Landlord's responsibility to comply
        with all applicable federal, state or local laws, including the Americans
        With
        Disabilities Act, and Landlord agrees to indemnify and hold Tenant harmless
        from
        any fine, penalty, charge, assessment, liability, or expense incurred by
        Tenant,
        or assessed against the Premises as a result of Landlord's failure to conform
        any such alteration, addition, repair, improvement, or decoration with any
        applicable federal, state or local law, regulation, or ordinance as provided
        in
        this Section
        9.3.3.

       

      9.4. Workmanship
        of Maintenance, Improvements, and Alterations. All
        repairs, maintenance, improvements, or alterations permitted or required
        by
        Tenant under this Lease, shall be performed in good and workmanlike manner,
        with
        first quality materials, and in such manner that the Premises will not be
        structurally weakened or materially altered in any adverse way.

       

      
        
          
          

        

        
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      9.5. Mechanic's
        Liens.

       

      9.5.1. Any
        contract that Tenant shall make with any contractor, materialman, laborer,
        subcontractor, or supplier which will or may result in a lien upon the Premises
        or any part of the Real Estate, shall be entered into and so carried out
        so as
        to prevent (to the extent possible under Indiana law) the attachment of any
        mechanic's, materialman, laborers' or other statutory lien on or against
        the
        Premises or any part of the Premises, in accordance with the provisions and
        terms of Indiana law at that time applicable. Tenant further shall indemnify
        and
        hold Landlord harmless from and against any such claims or liens, including
        reasonable attorney's fees and costs, and shall defend Landlord's interest
        against any such claim or lien brought against the Premises by reason of
        repairs, maintenance, improvements, or alterations initiated by Tenant, with
        or
        without Landlord's consent.

       

      9.5.2. Notwithstanding
        the provisions in Section
        9.5.1,
        if a
        notice of intention to hold a mechanic's lien is filed against the Premises,
        Landlord may, at Landlord's option, compel the prosecution of an action to
        foreclose such mechanic's lien by the lienor. If any such notice of intention
        to
        hold mechanic's lien shall be filed and an action commenced to foreclose
        that
        lien, Tenant, upon demand by Landlord, shall cause the lien to be released
        by the filing of a written undertaking with a surety approved by the court,
        and
        obtaining an order from the court releasing the Premises from such
        lien.

       

      9.6. No
        Implied Consent. Nothing
        in this Lease shall be deemed or construed to constitute consent or a request
        to
        any party for the performance of any labor or services or the furnishing
        of any
        materials for the improvement, alteration, or repairing of the Premises;
        nor as
        giving Tenant the right or authority to contract for, authorize, or permit
        the
        performance of any labor or services or the furnishing of any materials that
        would permit the attachment of a valid mechanic's lien.

       

      10. COMPLIANCE
        WITH ENVIRONMENTAL AND OCCUPATIONAL HEALTH LAWS.

       

      10.1. Tenant
        shall, at Tenant's own expense, comply with any applicable current or
        subsequently enacted environmental law affecting Tenant's use of the Premises.
        Tenant shall, at Tenant's sole expense, make any and all submissions to,
        provide
        all information to, and comply with all requirements of any appropriate
        governmental authority under any such law concerning conditions caused by
        Tenant. If any such governmental authority determines under any environmental
        law, rule, or regulation that a clean-up plan must be prepared, and that
        a clean
        up be undertaken because of any spills or discharges of hazardous substances
        or
        waste at the Premises which are caused by Tenant, or by Tenant's agents,
        employees, licensees, or invitees, Tenant shall, at Tenant's sole expense,
        prepare and submit all required plans and financial assurances, and carry
        out or
        give all such required plans and assurances. At no expense to Landlord, Tenant
        shall promptly provide all information requested by Landlord for preparation
        of
        affidavits required by Landlord to determine the applicability of any
        environmental clean-up laws to the Premises, and shall sign such affidavits
        promptly when requested to do so by Landlord.

       

      
        
          
          

        

        
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      10.2.
        Tenant
        shall defend, indemnify, and hold Landlord harmless from all fines, suits,
        procedures, claims, and actions of any kind caused by Tenant, including
        Landlord's reasonable costs and attorneys' fees, arising out of, or in any
        way
        connected with, any spills or discharges of hazardous substances or waste
        at the
        Premises that occur during the Lease Term, or during the period of any holdover
        of the Premises by Tenant, and from all fines, suits, procedures, claims,
        and
        actions of any kind arising out of Tenant's failure to provide all information,
        to make all submissions, and to take all steps required by any governmental
        authority under any environmental clean-up law. Tenant's obligations and
        liabilities under this Section
        10
        shall
        continue so long as Landlord remains responsible for any spill or discharge
        of a
        hazardous substance or waste at the Premises that occur during the Lease
        Term or
        any holdover period by Tenant.

       

      10.3.
        Tenant
        shall further promptly supply Landlord with all notices, correspondence,
        and
        submissions given or made by Tenant to any appropriate governmental authority,
        including without limitation, the United States Environmental Protection
        Agency,
        the United States Occupational Safety and Health Administration, or any other
        local, state, or federal authority that requires submission of any information
        concerning environmental matters or hazardous wastes or substances. Tenant
        shall, at Tenant's sole expense, comply with any currently or subsequently
        enacted occupational safety and health law, rule, and regulation, hazardous
        chemical disclosure and other similar law enacted by any governing agency,
        including without limitation, the United States Occupational Safety and Health
        Administration, which affect in any manner Tenant's use or occupancy of the
        Premises, and Tenant shall indemnify and hold Landlord harmless from all
        fines,
        suits, procedures, claims, and actions of any kind arising under them, including
        Landlord's reasonable costs and attorneys' fees.

       

      11.
        RISE
        OF LOSS AND CASUALTY. If
        the
        Premises are damaged or destroyed by fire or other casualty during the Lease
        Term, Tenant shall give immediate Notice (as that term is defined in
Section
        22.1)
        of such
        damage or destruction to Landlord, and the following provisions shall
        apply:

       

      11.1.
        If
        the
        Premises are totally destroyed by fire or other casualty, or if the Premises
        are
        so damaged that the cost of the repair or restoration would exceed 50% of
        the
        cost to entirely replace the Premises at the time such damage or destruction
        took place, then either party shall have the right to terminate this Lease
        by
        giving Notice to the other party within 30 days after the occurrence of such
        damage or destruction, and this Lease then shall terminate as of 15 days
        after
        the date such Notice is given. If either party fails to timely exercise the
        option to terminate this Lease under this Section
        11.1,
        Landlord and Tenant each shall cause the damage for which they have the
        respective risks of loss under Section
        7.1 and Section 7.2,
        to be
        repaired as soon as reasonably practicable, and this Lease shall continue
        in
        full force and effect.

       

      11.2.
        If
        the
        Premises are damaged or destroyed by fire or other casualty to such an extent
        that the cost of repair and restoration does not exceed 50% of the cost to
        totally replace the Premises at the time of such damage or destruction took
        place, then this Lease shall not terminate, and
        the
        provisions of Section
        11.1
        concerning the repair and restoration of the Premises shall
        control.

       

      
        
          
          

        

        
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      11.3.
        The
        opinion of an architect or registered engineer appointed by Landlord to
        determine the costs of repair, restoration, or replacement of the Premises
        shall
        be controlling upon the parties for the purposes of Sections
        11.1 and 11.2.
        The
        provisions of this Section
        11.3
        are not
        intended to limit, modify, or release Tenant from any liability Tenant may
        have
        under this Lease or otherwise, in relation to any damage or destruction of
        the
        Premises.

       

      11.4.
        Notwithstanding
        the provisions in Sections
        11.1 and 11.2,
        if any
        damage or destruction to the Premises, is caused by any act or omission of
        Tenant or Tenant's agents, employees, licensees, or invitees, Tenant shall
        be
        solely responsible to pay for and cause the Premises to be restored or repaired
        to at least as good a condition as existed as of the time such casualty
        occurred.

       

      11.5.
        If
        a
        casualty of the Premises occurs that is not Tenant's responsibility under
        Section
        11.4,
        and that
        causes the Premises to be untenentable, Monthly Rent due under this Lease
        shall
        be abated pro rata, in a fair and equitable manner until the Premises is
        repaired or restored in accordance with this Section
        11.

       

      12.
        CONDEMNATION. If
        the
        entire Premises, or such portion of it as will make the remainder unsuitable
        for
        the use permitted by this Lease, is condemned by any legally constituted
        authority, or if a conveyance or other acquisition in lieu of such condemnation
        is made, then this Lease shall terminate as of the date possession is required
        by, or given to, the condemnor. If a portion of the Premises is condemned,
        but
        the remainder is still suitable for the uses permitted by this Lease, this
        Lease
        shall not terminate, but a portion of the rent for the remainder of the Lease
        Term shall be abated in proportion to the amount of Premises taken which
        is
        actually and regularly employed by Tenant in the operation of Tenant's business
        at the time Tenant first receives notice of any such condemnation action. All
        compensation paid in connection with the condemnation shall belong to, and
        be
        the sole property of, Landlord, except Tenant shall be entitled to any
        compensation awarded for Tenant's Trade Fixtures and moving
        expenses.

       

      13.
        LANDLORD'S
        ENTRY FOR INSPECTION.

       

      13.1. Landlord
        reserves the right, and Tenant agrees to permit Landlord, its employees,
        agents,
        and contractors, to enter the Premises at reasonable times for each of the
        following purposes:

       

      13.1.1.
        Conducting
        inspections of the Premises;

       

      13.1.2. Making
        repairs, additions, or alterations to the Premises;

       

      
        
          
          

        

        
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      13.1.3.
        Showing
        the Premises to any prospective purchaser, tenant, lender, or
        insurer;

       

      13.1.4.
        Posting
        "For Rent" or "For Sale" signs or any signs or notices that Landlord deems
        prudent;

       

      13.1.5.
        Attempting
        to keep the Premises free of liens;

       

      13.1.6.
        Taking
        such action as is permitted under this Lease upon an Event of Default (as
        that
        term is defined in Section
        17.1)
        by
        Tenant; or

       

      13.1.7.
        Taking
        any necessary action in the event of an emergency.

       

      13.2.
        Landlord may, in connection with any entry, erect scaffolding, barriers,
        or
        similar structures, post relevant notices, and employ moveable equipment,
        without any obligation to reduce Tenant's rent for the Premises during such
        period, and without incurring liability to Tenant for disturbance of quiet
        enjoyment of the Premises or loss of occupation of it.

       

      14. SUBLETTING
        AND ASSIGNMENT.

       

      14.1. Tenant
        shall not assign or sublease the Premises, or any part of it, or any right
        or
        privilege connected with it, nor shall Tenant allow any other person, except
        Tenant's agents and employees, to occupy the Premises or any part of it,
        without
        first obtaining Landlord's consent. Landlord expressly covenants that such
        consent shall not be unreasonably or arbitrarily withheld; provided, however,
        that any one consent by Landlord shall not be a consent to a subsequent
        assignment, sublease, or occupation by any other person and as a condition
        precedent to Tenant's right to sublease or assign this Lease. Tenant's
        unauthorized assignment, sublease, or license to occupy the Premises shall
        be
        void, and shall terminate this Lease, at Landlord's option. Tenant's interest
        in
        this Lease shall not be assignable by operation of law without Landlord's
        written consent, and any assignment in violation of this Section
        14
        shall,
        at Landlord's option, constitute an Event of Default.

       

      14.2. Assignment
        by Landlord.
        Landlord
        may freely assign this Lease without the consent of Tenant.

       

      15.
        PARKING. Landlord
        shall provide Tenant with a sufficient number of parking spaces in the existing
        parking lot on the Real Estate, which are reasonably adequate for Tenant's
        use
        of the Premises as permitted under this Lease. Tenant shall require Tenant's
        employees to park in areas designated by Landlord.

       

      16.
        SECURITY
        DEPOSIT.
        There
        is
        no security deposit by Tenant required under this Lease.

       

      
        
          
          

        

        
          9

          
            

          

        

        
          
          

        

      

       

      17.
        EVENTS
        OF DEFAULT.

       

      17.1. Default
        by Tenant. Each
        of
        the following acts or omissions shall constitute an event of default (an
        "Event
        of Default") by Tenant and a material breach of this Lease:

       

      17.1.1.
        The
        failure to pay when due any Monthly Rent due under this Lease.

       

      17.1.2.
        The
        failure of Tenant to make any other payment when due under this Lease, including
        without limitation, insurance premiums, utility payments, taxes, and any
        expense
        incurred in the maintenance or improvement of the Premises, which failure
        continues for a period of at least 10 days, after Notice is given to
        Tenant.

       

      17.1.3.
        Any
        failure to perform or observe any other obligation of Tenant under this Lease,
        which failure of performance or observance continues for a period of at least
        30
        days after Notice is given to Tenant.

       

      17.1.4.
        Any
        of
        Tenant's property located on the Premises is seized or levied upon under
        any
        legal or governmental process.

       

      17.1.5.
        Tenant
        becomes insolvent or subject to an insolvency proceeding, or has any property
        placed in the control of a trustee, receiver, or other custodian.

       

      17.1.6.
        Tenant
        abandons or vacates the Premises for a period of at least 30 consecutive
        days.

       

      17.1.7.
        The
        initiation and prosecution of dissolution, liquidation, or receivership
        proceedings against Tenant, or Tenant's failure to maintain its corporate
        or
        other entity existence in conformance with Indiana law (if
        applicable).

       

      17.1.8.
        There
        is
        an act or omission by Tenant that constitutes an Event of Default under any
        other provision of this Lease.

       

      17.2. Default
        by Landlord. Landlord
        shall not be in default of this Lease unless Landlord fails to perform the
        obligations required of Landlord under this Lease within a reasonable time,
        but
        in no event longer than 30 days after Notice is given by Tenant to Landlord
        specifying the nature of the default claimed, provided, however, that if
        the
        nature of Landlord's default is such that more than 30 days are required
        for
        performance, then Landlord shall not be in default if Landlord commences
        performance within such 30 day period, and then diligently prosecutes the
        same
        to completion or satisfaction.

       

      
        
          
          

        

        
          10

          
            

          

        

        
          
          

        

      

       

      18. REMEDIES.

       

      18.1. Landlord's
        Remedies.Upon
        the
        occurrence of any Event of Default by Tenant, Landlord shall have the following
        remedies in addition to Landlord's other rights and remedies as provided
        at law
        or in equity:

       

      18.1.1. Re-entry. Landlord
        may re-enter the Premises immediately, and remove all of Tenant's personnel
        property from it; provided, however, that any retaking or possession by Landlord
        shall be without prejudice to the rights and remedies of Landlord to recover
        for
        damages sustained by reason of Tenant's failure to properly perform the terms
        and conditions of this Lease.

       

      18.1.2.
        Termination. After
        re-entry, Landlord may terminate this Lease by giving 15 days' written Notice
        of
        such termination to Tenant. Reentry only, without Notice of termination,
        shall
        not terminate this Lease.

       

      18.1.3.
        Reletting
        Premises. After
        re-entry, Landlord may relet the Premises or any part of it, without terminating
        this Lease, at such rent and on such terms as Landlord may choose, in Landlord's
        sole discretion.

       

      18.1.4.
        Other
        Damages. Landlord
        may further pursue all available legal and equitable remedies for an Event
        of
        Default by Tenant, including the recovery of reasonable attorneys' fees and
        all
        costs incurred as an Event of Default by Tenant. In addition, any obligation
        owed by Tenant to Landlord under this Lease shall bear interest at the rate
        of
        18% per annum from the date when due.

       

      18.1.5.
        Landlord's
        Lien.
        It
        is
        expressly agreed if there is an Event of Default by Tenant, Landlord shall
        have
        a lien on all Trade Fixtures, equipment, machinery, goods, and other tangible
        personal property of any description belonging to Tenant which are placed
        in, or
        become a part of, the Premises, as security for rent due and to become due
        for
        the remainder of the Lease Term and all other obligations of Tenant under
        this
        Lease, which lien shall not be in lieu of, or in any way affect, Landlord's
        other remedies, but shall be in addition to them. Tenant grants to Landlord
        a
        security interest in all such personal property for such purposes, and upon
        an
        Event of Default by Tenant, consents to the Landlord's filing of a financing
        statement bearing only Landlord's signature as evidence of said security
        interest; provided, however, that this lien shall not prevent the sale by
        Tenant
        of any merchandise in the ordinary course of business free of such lien.
        In the
        event of Landlord's exercise of the remedy of re-entry provided to Landlord
        under Section
        18.1.1,
        and
        upon termination of this Lease, Landlord may exercise all remedies available
        to
        secured parties under the Indiana Uniform Commercial Code then in
        effect.

       

      18.2.
        Tenant's
        Remedies.
        If
        Landlord defaults under Section
        17.2.
        Tenant
        shall be entitled to all legal and equitable remedies available, and to recover
        all reasonable attorney fees and other costs and expenses incurred by Tenant
        as
        a result of Landlord's default.

       

      
        
          
          

        

        
          11

          
            

          

        

        
          
          

        

      

       

      18.3.
        Rights
        and Remedies Cumulative. The
        rights and remedies provided by this Lease are cumulative, and the use of
        any
        one right or remedy shall not preclude or waive a party's right to use any
        other
        remedy. Such rights and remedies are given in addition to all other rights
        granted a party by law.

       

      18.4.
        Waiver.
        The
        failure by a party to enforce a breach of this Lease shall not be construed
        as a
        waiver by that party of the right to enforce such a breach at a later time,
        or
        to enforce any other breach.

       

      18.5.
        Joint
        Liability. If
        Tenant
        consists of more than one person, each such person shall be jointly and
        severally liable to Landlord for Tenant's Events of Default.

       

      19. ESTOPPEL
        CERTIFICATE.

       

      19.1. Upon
        Landlord giving Tenant at least 10 days prior Notice, Tenant shall execute,
        acknowledge, and deliver to Landlord a statement in writing:

       

      19.1.1.
        Certifying that this Lease is unmodified and in full force and effect (or,
        if
        modified, stating the nature of such modification and certifying that this
        Lease, as so modified, is in full force and effect), and the date to which
        the
        rent and other charges are paid in advance, if any; and

       

      19.1.2.
        Acknowledging that there is not, to Tenant's knowledge, any uncured default
        by
        Landlord under this Lease, or specifying each such default, if any is
        claimed.

       

      19.2.
        Any
        statement provided under Section
        19.1
        may be
        conclusively relied upon by a prospective purchaser or lienholder of the
        Premises or the Real Estate. At Landlord's option, Tenant's failure to timely
        deliver such statement shall be an Event of Default, or shall be a conclusive
        determination binding on Tenant that:

       

      19.2.1.
        This
        Lease is in full force and effect, without modification except as may be
        represented by Landlord;

       

      19.2.2.
        There
        is
        no uncured Event of Default by Landlord under the Lease; and

       

      19.2.3.
        Not
        more
        than one month's rent has been paid in advance.

       

      20.
        QUIET
        ENJOYMENT.
        Landlord
        warrants that Tenant shall have the quiet use and enjoyment of the Premises
        during the Lease Term, free from unreasonable interference by
        Landlord.

       

      21.
        SUBORDINATION
        AND EXONERATION OF LANDLORD. The
        interest granted to Tenant pursuant to the terms and conditions of this Lease
        are, and shall throughout the Lease Term, be subordinate to Landlord's right
        to
        pledge or mortgage the Premises or the Real Estate as security
        for any indebtedness incurred by Landlord in its sole discretion. Landlord
        may
        convey title to the Premises pursuant to a sale or exchange of property,
        subject
        to the terms and conditions of this Lease; provided, however, that Landlord
        shall not be liable to Tenant or any immediate or remote assignee or successor
        of Tenant, for any act or omission occurring from and after any such
        conveyance.

       

      
        
          
          

        

        
          12

          
            

          

        

        
          
          

        

      

       

      22. NOTICE.

       

      22.1.
        Written
        Notice. Any
        notice, designation, consent, approval, offer, acceptance, statement, request,
        or other communication required or allowed under this Agreement (each, a
        "Notice") shall be in writing. Any action required under this Agreement that
        is
        a term within the definition of "Notice" also shall be in writing.

       

      22.2.
        Place
        of Notice. Notice
        to
        a party shall be given at the party's address stated below, or at such other
        address as a party may designate in a Notice to the other party:

       

      
        	
                If
                  to Landlord:

              	
                PD
                  Properties, LLC

              
	 	
                c/o
                  Manager

              
	 	
                415
                  E. Dupont Road, Suite 500

                Fort
                  Wayne, Indiana 46825

              
	 	 
	
                If
                  to Tenant:

              	
                Freedom
                  Financial Mortgage Corp.

              
	 	
                Attn:
                  President

              
	 	
                421
                  E. Cook Road, Suite 200 

                Fort
                  Wayne,
                  Indiana 46825

              

      

       

      22.3. Manner
        of Giving Notice. Notice
        shall be deemed given when:

       

      22.3.1.
        Personal
        service of the Notice is made on the party to be notified but the party need
        not
        be present at the address designated under Section
        22.2;

       

      22.3.2.
        The
        Notice is mailed to the party to be notified by means of certified or registered
        U.S. mail, return receipt requested, postage prepaid; or

       

      22.3.3.
        The
        Notice is sent to the party to be notified by express courier such as "Federal
        Express", or such other similar carrier guaranteeing next day
        delivery.

       

      22.4. Refusal
        of Notice.
        Refusal
        by a party to accept a Notice shall not affect the giving of the
        Notice.

       

      23. MEMORANDUM. The
        parties shall, upon request of Landlord, execute and record a short form
        of
        Memorandum of Lease in a form agreed upon by the parties, summarizing the
        terms
        and conditions of this Lease.

       

      
        
          
          

        

        
          13

          
            

          

        

        
          
          

        

      

       

      24. AUTHORITY.
        Each
        person signing this Lease in a representative capacity on behalf of a party
        warrants and represents to each other party that:

       

      24.1.
        The
        person executing this Lease has the actual authority and power to so sign,
        and
        to bind the person's respective principal to the provisions of this Lease;
        and

       

      24.2.
        All
        corporate or other entity action necessary for the making of this Lease has
        been
        duly taken.

       

      25. MISCELLANEOUS.

       

      25.1.
        Binding
        Effect.
        This
        Lease and the covenants and conditions of it, shall apply to, and be binding
        upon, the parties and their respective heirs, successors, and legal
        representatives.

       

      25.2.
        Entire
        Agreement. This
        Lease represents the entire agreement of the parties, and supersedes all
        their
        prior negotiations and agreements pertaining to the lease or use of the Premises
        by Tenant.

       

      25.3.
        Amendment.
        This
        Lease may only be amended in a writing signed by both parties.

       

      25.4.
        Captions,
        Number, and Gender.
        The
        captions appearing throughout this Lease are included for convenience purposes
        only, and shall not be interpreted as substantive terms of this Lease.
        Throughout this Lease, the singular shall be interpreted to include the plural,
        and the plural the singular. Further, the use of any gender for convenience
        purposes only, and the use of one gender shall include all others.

       

      25.5.
        Invalid
        Provision and Severability.
        The
        invalidity or unenforceability of any particular provision of this Lease
        shall
        not affect the other provisions of it; and this Lease shall be construed
        in all
        respects as if such invalid or unenforceable provision was omitted.

       

      25.6.
        Governing
        Law. This
        Lease shall be governed in all respects whether as to validity, construction,
        capacity, performance, or otherwise by the laws of the State of
        Indiana.

       

      25.7.
        Rule
        of Construction. The
        judicial rule of construction requiring or allowing a document to be construed
        to the detriment or against the interests of the document's maker or drafter
        shall not apply to this Lease.

       

      25.8.
        Counterparts.This
        Lease may be executed in several counterparts, each of which shall be deemed
        an
        original, but together the counterparts shall constitute one and the same
        document.

       

      
        
          
          

        

        
          14

          
            

          

        

        
          
          

        

      

       

      25.9.
        Force
        Majeure. If,
        by
        reason of acts of God, floods, storms, explosion, fires, labor troubles,
        strikes, insurrection, riots, acts of the public enemy, or federal, state
        or
        local law, order, rule, or regulation, either party is prevented from complying
        with any obligation, covenant, or condition in this Lease, then while so
        prevented, the condition shall be suspended, or the obligation or covenant
        shall
        be extended, the party shall be relieved of the obligation to comply with
        such
        obligation or covenant, and the party shall not be liable for damages for
        failure to so comply.

       

      25.10.
        Review
        by Counsel. Each
        party has had the opportunity to have this Lease reviewed by independent
        counsel
        before signing it.

       

      IN
        WITNESS WHEREOF,
        the
        parties have set their hands as of the day and year first above
        written.

       

      [THE
        REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK]

       

      
        
          
          

        

        
          15

          
            

          

        

        
          
          

        

      

       

      
        	 	 	PD
                PROPERTIES, LLC
	 
 	 
 	 
 
	
              	
              	/s/ Diana
                L. Parent
	 	
                
Diana
                L. Parent, Manager 
	 	 
	 	
                "LANDLORD"

              

      

       

      

      
        
          
          

        

        
          16

          
            

          

        

        
          
          

        

      

       

       

        	 	 	 
	 	
                FREEDOM
                  FINANCIAL MORTGAGE CORP.

              
	 
 	 
 	 
 
	
              	By:  	
                /s/
                  Rodney J. Sinn

              
	 	
                
(Signature)
	 	 
	 	Rodney J. Sinn
	 	
                
(Printed/Typed
                Name) 
	 	 
	 	Its:	President
	 	
                
(Title)
	 	 
	 	
                "TENANT"

              

      

       

       

      
        
          
          

        

        
          17

          
            

          

        

        
          
          

        

      

       

      

       

      January
        9,
        2006

       

      Freedom
        Financial

      421
        E.
        Cook Road, Suite 200

      Fort
        Wayne, IN 46825

       

      RE:
        Office Lease Renewal 

       

      Dear
        Rod,

       

      It
        was a
        pleasure meeting with you to discuss your office space needs. As we had
        discussed, we will be doing a First Amendment to your office lease to simply
        renew your current lease for another term of 36 months. Please find following
        a
        quick summary of your current monthly leasing situation, including both suites
        and your sub-lease proceeds compared to the new lease amendment.

       

      
        	
                Lease

              	 	
                Current

              	
                 

              	
                Proposed

              	
                 

              	
                Various

              	 
	
                Suite
                  200

              	 	
                $

              	
                1853.00

              	 	 	
                0

              	 	
                $

              	
                1853.00

              	 
	
                Suite
                  100

              	 	
                $

              	
                2895.00

              	 	
                $

              	
                2943.00

              	 	
                $

              	
                48.00

              	 
	
                Sub-Lease

              	 	 	
                ($1578.00

              	
                )

              	 	
                0

              	 	 	
                ($578.00

              	
                )

              
	
                Total

              	 	
                $

              	
                3170.00

              	 	
                $

              	
                2943.00

              	 	 	
                ($
                  227.00

              	
                )

              

      

       

       

      As
        you
        can see there is a modest increase in your lease to accommodate past and
        current
        expense increases. You will also see that your total net payment has decreased
        by $227.00 per month. If you should have any questions regarding this matter,
        please do not hesitate to contact me. It would be appreciated if you find
        this
        amendment agreeable to simply sign one copy and return it to my office at
        your
        earliest convenience.

      
         

        Sincerely,

      

      
        	 	 	 	 
	 	 	 	 
	/s/ Diana
                L.
                Parent	 	 	
              
	
                
Diana
                L. Parent	 	 	
              
	President	 	 	
              

      

       

      Enclosure

       

      409
        E. Cook Rd., Suite #300

      Fort
        Wayne,
        IN
        46825

      Tel:
        260.489.8500

      Fax:
        260.489.8544

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      FIRST
        AMENDMENT OF OFFICE LEASE 

      STONE
        POINTE OFFICE PARK

       

      This
        FIRST AMENDMENT OF OFFICE LEASE is entered into and effective January
31,
        2006 by
        PD Properties, LLC, an Indiana Limited Liability company ("Landlord") and
        Freedom Financial Mortgage Corporation, an Indiana corporation ("Tenant")
        and
        amends the office lease effective July 1, 2003.

       

      All
        terms
        and condition of the office lease remain in force except the following which
        shall be amended hereafter.

       

      
        	
                3.1

              	
                Term.
                  The term of this Lease shall be extended 36 months, commencing
                  on July 1,
                  2006, and ending June 30, 2009.

              
	 	 
	
                4.1

              	
                The
                  rental rate for the extended period shall be $3 5,310 per year,
                  payable in
                  equal monthly installments of
                  $2,942.50.

              

      

       

      IN
        WITNESS WHEROF, the parties have set their hands as of the day and year first
        above written.

       

      
        	 	 	PD
                PROPERTIES, LLC
	 
 	 
 	 
 
	
              	
              	
                /s/
                  Diana L. Parent

              
	 	
                
Diana
                L. Parent, Manager
	 	
              
	 	
                “LANDLORD"

              

      

       

       

      
        	 	 	FREEDOM
                FINANCIAL MORTGAGE CORP.
	 
 	 
 	 
 
	
              	
              	
                /s/
                  Rodney J. Sinn

              
	 	
                

                Rodney
                  J. Sinn, President

              
	 	
              
	 	
                "TENANT"OFFICE
      LEASE –
      STONE
      POINTS OFFICE PARK

     

    THIS
      OFFICE LEASE (“Lease”) is entered into effective February 1, 2004 by PD
      Properties, LLC, an Indiana limited liability company (“Landlord”), and Freedom
      Financial Mortgage Corp., an Indiana corporation (“Tenant”).

     

    1.
      LEASE AND DESCRIPTION OF LEASED PREMISES. Landlord
      leases to Tenant, and Tenant leases from Landlord, the office space and existing
      improvements consisting of approximately 1,457 sq. ft. commonly known as 421
      E.
      Cook Road, Suite 200, Fort Wayne, Allen County, Indiana 46825 (the “Premises”),
      located on real estate legally described in the addendum attached to this Lease
      as Exhibit “A” (the “Real Estate”). The Premises is located in an office
      building situated on the Real Estate (the “Building”).

     

    2. ACCEPTANCE
      AND SURRENDER OF PREMISES AND REMOVAL OF TRADE
      FIXTURES.

     

    2.1.
      Tenant accepts the Premises as being in a state of good and acceptable repair
      and condition. Tenant shall surrender the Premises to Landlord at the end of
      the
      Lease Term (as that term is defined in Section
      3.1)
      in the
      same condition as when Tenant took possession, allowing for reasonable use
      and
      wear, subject to the provisions in Section
      2.2.

     

    2.2.
      Upon
      termination of this Lease. Landlord shall have the option either to require
      Tenant to remove all trade fixtures then located on the Premises (“Trade
      Fixtures”), if any, and restore the Premises to the condition described in
Section
      2.1,
      or to
      require that all Trade
      Fixtures remain attached to the Premises, and become the property of
      Landlord.

     

    3. TERM.

     

    3.1. Term. The
      term
      of this Lease shall be for 29 months, commencing on February 1, 2004 (the
“Commencement Date”), and ending on June 30, 2006 (the “Lease Term”), unless
      terminated earlier under this Lease.

     

    
      
        
        

      

      
        1

        
          

        

      

      
        
        

      

    

     

    4. RENT.

     

    4.1.
      As
      rent for the Premises, Tenant shall pay Landlord the sum of $22,233 per year,
      payable in equal monthly installments of $1,853 each (“Monthly Rent”). The first
      payment of Monthly Rent is due on the Commencement Date, and successive payments
      of a like amount are due and payable on the first day of each succeeding
      calendar month during the Lease Term. If the Commencement Date is on a day
      other
      than the first day of any calendar month, Tenant shall pay the pro-rata share
      of
      rent due for the unexpired time in the first month, in additional to rent due
      for the full month following. All payments under this Lease shall be made in
      full and without right of offset or deduction of any kind, and shall be prorated
      for any part of a month.

     

    4.2. Late
      Charges.
      Tenant
      acknowledges that late payment by Tenant to Landlord of Monthly Rent and other
      sums due under this Lease will cause Landlord to incur costs not contemplated
      by
      this Lease, the exact amount of which will be difficult to ascertain. Such
      costs
      include, but are not limited to, processing and accounting charges, and late
      charges which may be imposed upon Landlord by the terms of any mortgage covering
      the Premises. Accordingly, if any installment of rent or any other sum due
      from
      Tenant shall not be received by Landlord within five days after such amount
      shall be due, then, without any requirement for Notice (as that term is defined
      in Section
      22.1)
      to
      Tenant, Tenant shall pay to Landlord a late charge equal to 10% of such overdue
      amount. The parties agree that such late charge represents a fair and reasonable
      estimate of the costs Landlord will incur by reason of late payment by Tenant.
      Acceptance of such late charge by Landlord in no event shall constitute a waiver
      of Tenant’s default with respect to such over due amount, or prevent Landlord
      from exercising any of the other rights and remedies granted under this
      Lease.

     

    5. USE
      OF PREMISES. The
      Premises are leased to be used only for general office purposes. Tenant may
      not
      use, or permit the use of, the Premises for any other purpose without first
      obtaining the express prior consent of Landlord or of Landlord’s authorized
      agent. Tenant shall not commit, or allow to be committed, any waste on the
      Premises (either ameliorating or deteriorating), create or allow a nuisance
      to
      exist on the Premises, or use or allow the Premises to be used for any unlawful
      purpose or any purpose which increase Landlord’s insurance premiums on the
      Premises, the Building, or the Real Estate. Landlord makes no representation
      concerning the suitability of the Premises, either structurally or pursuant
      to
      any governmental land use or environmental laws or regulations, for Tenant’s
      permitted uses.

     

    6. TAXES
      AND ASSESSMENTS.
      Landlord
      shall pay all real property taxes and assessments on the Premises during the
      Lease Term. Tenant shall be solely responsible for and pay all personal property
      taxes assessed for the Trade Fixtures, inventory, equipment, and all other
      personal property of Tenant on the Premises. All taxes shall be paid prior
      to
      delinquency. Each party who is responsible to pay taxes under this Section
      6,
      shall
      provide the other party, upon request, with proof of payment of such
      taxes.

     

    
      
        
        

      

      
        2

        
          

        

      

      
        
        

      

    

     

    7.
      RISK OF LOSS AND INSURANCE.

     

    7.1.
      Landlord’s
      Risk of Loss. Landlord
      shall bear the risk of loss arising from damage to, or loss of, the
      Premises.

     

    7.2. Tenant’s
      Risk of Loss. Tenant
      shall bear the risk of loss arising from damage to, or loss of, the interior
      of
      the Premises (including without limitation all wall coverings, carpeting, and
      decorations), Tenant’s personal property and any Trade Fixtures located on the
      Premises, and any interruption of Tenant’s business use of the
      Premises.

     

    7.3. Tenant’s
      Insurance. Tenant,
      at Tenant’s sole cost and expense, shall obtain and maintain at all times during
      the Lease Term, the following policies of insurance:

     

    7.3.1.
      Liability insurance insuring both Tenant and Landlord for injuries to person
      or
      damage to property occasioned or resulting from any use of the Premises during
      the term of this Lease, with coverage to be in an amount not less than
      $1,000,000; and

     

    7.3.2.
      Insurance on Tenant’s contents in, and inventory and other personal property on
      and around, the Premises, including all Trade Fixtures, with coverage in an
      amount not less than $50,000.

     

    7.4. Additional
      Insured.
      Any
      policy of insurance obtained under Section
      7.3.1
      shall
      name Landlord and Landlord’s lenders as additional insureds. No party named as
      an additional insured shall incur any liability for the payment of premiums
      for
      any such policy.

     

    7.5.
      Proof
      of Coverage and Payment Notice. Tenant
      shall provide Landlord, upon request, with a certificate of insurance or a
      reproduction of each insurance policy required under Section
      7.3,
      and
      satisfactory proof that all premiums due have been paid, and that each such
      policy is in full force and effect at all times during the Lease Term. All
      policies of insurance obtained under Section
      7.3.1
      shall
      include an addendum or rider to the effect that Landlord shall be notified
      by
      the insurer, in writing, not less than ten days prior to the expiration or
      termination of any such policy of insurance.

     

    7.6. Indemnity. In
      addition and supplemental to any such liability insurance, Tenant indemnifies
      and holds Landlord harmless from any damage, loss, or claim, including
      reasonable attorneys’ fees and expenses, arising out of any use of the Premises
      during the Lease Term, unless caused by the act or omission of Landlord or
      Landlord’s agents, employees, licensees, or invitees, or any other tenant of
      Landlord in the Building, and except as provided in Section
      7.7.

     

    7.7. Waiver
      of Right of Subrogation.

     

    7.7.1. Landlord
      releases Tenant, to the extent Landlord has insurance coverage against the
      hazards to which this release applies, from liability for loss or damage caused
      by casualties
      insured against under this Lease, notwithstanding any fault or negligence of
      Tenant or Tenant’s agents; provided, however, that this release shall be
      effective only if Landlord’s policy or policies of insurance contain a waiver of
      right of subrogation clause which provides that a release given by an insured
      shall not affect the policy or the right of the named insured to recover under
      the policy.

     

    
      
        
        

      

      
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    7.7.2.
      Tenant releases Landlord, to the extent Tenant has insurance coverage against
      the hazards to which this release applies, from liability for loss or damage
      caused by casualties insured against under this Lease, notwithstanding any
      fault
      or negligence of Landlord or Landlord’s agents; provided, however, that this
      release shall be effective only if Tenant’s policy or policies of insurance
      contain a waiver of right of subrogation clause which provides that a release
      given by an insured shall not affect the policy or the right of the named
      insured to recover under the policy.

     

    7.7.3.
      Each party agrees to have its insurance policy or policies include a waiver
      of
      right of subrogation clause if it is includable without additional premium.
      However, if an insurance carrier requires additional premium for a waiver of
      right of subrogation clause, then the party in whose favor the release would
      operate (Tenant in the case of Section
      7.7.1,
      and
      Landlord in the case of Section
      7.7.2)
      shall
      bear the cost of such premium. Refusal of a party to pay such cost on demand
      excuses the other party from obtaining a waiver of right of subrogation clause,
      with the result that the release in favor of the refusing party will not be
      effective.

     

    8.
      PAYMENT
      OF UTILITIES. Landlord
      shall pay all charges for electric, gas, water, and sewage utility services
      furnished to the Premises during the Lease Term. Tenant shall pay when due
      all
      charges for telephone and internet services furnished to the Premises during
      the
      Lease Term. If Tenant fails to timely pay any such utility charge, and such
      failure results in the creation of a lien against the Premises or any part
      of
      the Real Estate, Landlord may pay such charge, which then shall be considered
      as
      additional rent immediately due and payable by Tenant to Landlord.

     

    9.
      REPAIRS, MAINTENANCE, AND ALTERATIONS.

     

    9.1.
      Landlord’s
      Obligations. Landlord,
      at Landlord’s cost and expense, shall maintain, repair, and keep the exterior of
      the Premises, including without limitation, the roof, roof structure,
      foundation, walls, drive lanes, parking areas, and other paved areas, doors,
      adjacent sidewalks, landscaping, and all mechanical, plumbing, heating,
      ventilating, air conditioning, and electrical systems, in good, safe, and usable
      repair and condition, except for any damage to any such item caused by an act
      or
      omission of Tenant or Tenant’s agents, employees, contractors, licensees, or
      invitees (for which items Tenant shall be responsible). Landlord also shall
      be
      responsible to remove snow and ice from the parking lot and sidewalks on the
      Real Estate in a commercially reasonable manner, and to provide janitorial
      service (including trash removal) for the Premises.

     

    9.2.
      Tenant’s
      Obligations. Tenant,
      at Tenant’s sole cost and expense, shall maintain, repair, and keep in good,
      safe, and useable repair and condition, the interior of the Premises,
all
      personal property of Tenant and any Trade Fixtures located on the Premises,
      and
      window glass on the Premises (including exterior and interior window
      cleaning).

     

    
      
        
        

      

      
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    9.3.
      Alternations
      and Improvements.

     

    9.3.1.
      Tenant shall not alter or improve the Premises (including without limitation,
      painting, wallpapering, and carpeting) without the prior consent of Landlord
      to
      do so. Any such alteration, addition, improvement, or fixture (except any Trade
      Fixtures specifically identified by Landlord in writing as Tenant’s property
      under Section
      2.2,
      but
      subject to Tenant’s responsibility to repair any damage or injury to the
      Premises caused by removal of Trade Fixtures), made or placed in or on the
      Premises shall, upon expiration of this Lease or its earlier termination, belong
      to Landlord without compensation to Tenant. Before installation of any fixture,
      or initiation of work on any alterations or improvement, in or on the Premises,
      Tenant shall submit plans, specifications, and designs for such work to Landlord
      for approval. If Tenant’s plans, specifications, and designs are disapproved by
      Landlord, such fixtures or work shall not be installed or commenced until all
      changes required by Landlord are made.

     

    9.3.2.
      Landlord shall not be liable or responsible for ensuring that any alteration,
      addition, repair, improvement, or decoration to the Premises made by Tenant
      is
      in conformance with any applicable federal, state, or local law, regulation,
      or
      ordinance, including but not limited to, the Americans With Disabilities Act
      of
      1990, 42 U.S.C. §12101, et seq. It shall be Tenant’s responsibility to comply
      with all applicable federal, state, or local laws, including the Americans
      With
      Disabilities Act, and Tenant agrees to indemnify and hold Landlord harmless
      from
      any fine, penalty, charge, assessment, liability, or expense incurred by
      Landlord, or assessed against the Premises as a result of Tenant’s failure to
      conform any such alteration, addition, repair, improvement, or decoration with
      any applicable federal, state or local law, regulation, or ordinance as provided
      in this Section
      9.3.2.

     

    9.3.3.
      Tenant shall not be liable or responsible for ensuring that any alteration,
      addition, repair, improvement, or decoration to the Premises made by Landlord
      is
      in conformance with any applicable federal, state, or local law, regulation,
      or
      ordinance, including, but not limited to, the Americans with Disabilities Act
      of
      1990, 42 U.S.C. §12101, et seq. It shall be Landlord’s responsibility to comply
      with all applicable federal, state or local laws, including the Americans With
      Disabilities Act, and Landlord agrees to indemnify and hold Tenant harmless
      from
      any fine, penalty, charge, assessment, liability, or expense incurred by Tenant,
      or assessed against the Premises as a result of Landlord’s failure to conform
      any such alteration, addition, repair, improvement, or decoration with any
      applicable federal, state or local law, regulation, or ordinance as provided
      in
      this Section
      9.3.3.

     

    9.4.
      Workmanship
      of Maintenance, Improvements, and Alterations. All
      repairs, maintenance, improvements, or alterations permitted or required by
      Tenant under this Lease, shall be performed in good and workmanlike manner,
      with
      first quality materials, and in such manner that the Premises will not be
      structurally weakened or materially altered in any adverse way.

     

    
      
        
        

      

      
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    9.5.
      Mechanic’s
      Liens.

     

    9.5.1.
      Any contract that Tenant shall make with any contractor, materialman, laborer,
      subcontractor, or supplier which will or may result in a lien upon the Premises
      or any part of the Real Estate, shall be entered into and so carried out so
      as
      to prevent (to the extent possible under Indiana law) the attachment of any
      mechanic’s, materialman, laborers’ or other statutory lien on or against the
      Premises or any part of the Premises, in accordance with the provisions and
      terms of Indiana law at that time applicable. Tenant further shall indemnify
      and
      hold Landlord harmless from and against any such claims or liens, including
      reasonable attorney’s fees and costs, and shall defend Landlord’s interest
      against any such claim or lien brought against the Premises by reason of
      repairs, maintenance, improvements, or alterations initiated by Tenant, with
      or
      without Landlord’s consent.

     

    9.5.2.
      Notwithstanding the provisions in Section
      9.5.1,
      if a
      notice of intention to hold a mechanic’s lien is filed against the Premises,
      Landlord may, at Landlord’s option, compel the prosecution of an action to
      foreclose such mechanic’s lien by the lienor. If any such notice of intention to
      hold mechanic’s lien shall be filed and an action commenced to foreclose that
      lien, Tenant, upon demand by Landlord, shall cause the lien to be released
      by
      the filing of a written undertaking with a surety approved by the court, and
      obtaining an order from the court releasing the Premises from such
      lien.

     

    9.6. No
      Implied Consent. Nothing
      in this Lease shall be deemed or construed to constitute consent or a request
      to
      any party for the performance of any labor or services or the furnishing of
      any
      materials for the improvement, alteration, or repairing of the Premises; nor
      as
      giving Tenant the right or authority to contract for, authorize, or permit
      the
      performance of any labor or services or the furnishing of any materials that
      would permit the attachment of a valid mechanic’s lien.

     

    10.
      COMPLIANCE WITH ENVIRONMENTAL AND OCCUPATIONAL HEALTH
      LAWS.

     

    10.1.
      Tenant shall, at Tenant’s own expense, comply with any applicable current or
      subsequently enacted environmental law affecting Tenant’s use of the Premises.
      Tenant shall, at Tenant’s sole expense, make any and all submissions to, provide
      all information to, and comply with all requirements of any appropriate
      governmental authority under any such law concerning conditions caused by
      Tenant. If any such governmental authority determines under any environmental
      law, rule, or regulation that a clean-up plan must be prepared, and that a
      clean
      up be undertaken because of any spills or discharges of hazardous substances
      or
      waste at the Premises which are caused by Tenant, or by Tenant’s agents,
      employees, licensees, or invitees, Tenant shall, at Tenant’s sole expense,
      prepare and submit all required plans and financial assurances, and carry out
      or
      give all such required plans and assurances. At no expense to Landlord, Tenant
      shall promptly provide all information requested by Landlord for preparation
      of
      affidavits required by Landlord to determine the applicability of any
      environmental clean-up laws to the Premises, and shall sign such affidavits
      promptly when requested to do so by Landlord.

     

    
      
        
        

      

      
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    10.2.
      Tenant shall defend, indemnify, and hold Landlord harmless from all fines,
      suits, procedures, claims, and actions of any kind caused by Tenant, including
      Landlord’s reasonable costs and attorneys’ fees, arising out of, or in any way
      connected with, any spills or discharges of hazardous substances or waste at
      the
      Premises that occur during the Lease Term, or during the period of any holdover
      of the Premises by Tenant, and from all fines, suits, procedures, claims, and
      actions of any kind arising out of Tenant’s failure to provide all information,
      to make all submissions, and to take all steps required by any governmental
      authority under any environmental clean-up law. Tenant’s obligations and
      liabilities under this Section
      10
      shall
      continue so long as Landlord remains responsible for any spill or discharge
      of a
      hazardous substance or waste at the Premises that occur during the Lease Term
      or
      any holdover period by Tenant.

     

    10.3.
      Tenant shall further promptly supply Landlord with all notices, correspondence,
      and submissions given or made by Tenant to any appropriate governmental
      authority, including without limitation, the United States Environmental
      Protection Agency, the United States Occupational Safety and Health
      Administration, or any other local, state, or federal authority that requires
      submission of any information concerning environmental matters or hazardous
      wastes or substances. Tenant shall, at Tenant’s sole expense, comply with any
      currently or subsequently enacted occupational safety and health law, rule,
      and
      regulation, hazardous chemical disclosure and other similar law enacted by
      any
      governing agency, including without limitation, the United States Occupational
      Safety and Health Administration, which affect in any manner Tenant’s use or
      occupancy of the Premises, and Tenant shall indemnify and hold Landlord harmless
      from all fines, suits, procedures, claims, and actions of any kind arising
      under
      them, including Landlord’s reasonable costs and attorneys’ fees.

     

    11.
      RISK
      OF LOSS AND CASUALTY. If
      the
      Premises are damaged or destroyed by fire or other casualty during the Lease
      Term, Tenant shall give immediate Notice (as that term is defined in
Section
      22.1)
      of such
      damage or destruction to Landlord, and the following provisions shall
      apply:

     

    11.1.
      If
      the Premises are totally destroyed by fire or other casualty, or if the Premises
      are so damaged that the cost of the repair or restoration would exceed 50%
      of
      the cost to entirely replace the Premises at the time such damage or destruction
      took place, then either party shall have the right to terminate this Lease
      by
      giving Notice to the other party within 30 days after the occurrence of such
      damage or destruction, and this Lease then shall terminate as of 15 days after
      the date such Notice is given. If either party fails to timely exercise the
      option to terminate this Lease under this Section
      11.1,
      Landlord and Tenant each shall cause the damage for which they have the
      respective risks of loss under Section
      7.1 and Section 7.2,
      to be
      repaired as soon as reasonably practicable, and this Lease shall continue in
      full force and effect.

     

    11.2.
      If
      the Premises are damaged or destroyed by fire or other casualty to such an
      extent that the cost of repair and restoration does not exceed 50% of the cost
      to totally replace the Premises at the time of such damage or destruction took
      place, then this Lease shall not terminate, and
      the
      provisions of Section
      11.1
      concerning the repair and restoration of the Premises shall
      control.

     

    
      
        
        

      

      
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    11.3.
      The
      opinion of an architect or registered engineer appointed by Landlord to
      determine the costs of repair, restoration, or replacement of the Premises
      shall
      be controlling upon the parties for the purposes of Sections
      11.1 and 11.2.
      The
      provisions of this Section
      11.3
      are not
      intended to limit, modify, or release Tenant from any liability Tenant may
      have
      under this Lease or otherwise, in relation to any damage or destruction of
      the
      Premises.

     

    11.4.
      Notwithstanding the provisions in Sections
      11.1 and 11.2,
      if any
      damage or destruction to the Premises, is caused by any act or omission of
      Tenant or Tenant’s agents, employees, licensees, or invitees, Tenant shall be
      solely responsible to pay for and cause the Premises to be restored or repaired
      to at least as good a condition as existed as of the time such casualty
      occurred.

     

    11.5.
      If
      a casualty of the Premises occurs that is not Tenant’s responsibility under
Section
      11.4,
      and
      that causes the Premises to be untenentable, Monthly Rent due under this Lease
      shall be abated pro rata, in a fair and equitable manner until the Premises
      is
      repaired or restored in accordance with this Section
      11.

     

    12.
      CONDEMNATION.
      If
      the
      entire Premises, or such portion of it as will make the remainder unsuitable
      for
      the use permitted by this Lease, is condemned by any legally constituted
      authority, or if a conveyance or other acquisition in lieu of such condemnation
      is made, then this Lease shall terminate as of the date possession is required
      by, or given to, the condemnor. If a portion of the Premises is condemned,
      but
      the remainder is still suitable for the uses permitted by this Lease, this
      Lease
      shall not terminate, but a portion of the rent for the remainder of the Lease
      Term shall be abated in proportion to the amount of Premises taken which is
      actually and regularly employed by Tenant in the operation of Tenant’s business
      at the time Tenant first receives notice of any such condemnation action. All
      compensation paid in connection with the condemnation shall belong to, and
      be
      the sole property of, Landlord, except Tenant shall be entitled to any
      compensation awarded for Tenant’s Trade Fixtures and moving
      expenses.

     

    13.
      LANDLORD’S
      ENTRY FOR INSPECTION.

     

    13.1.
      Landlord reserves the right, and Tenant agrees to permit Landlord, its
      employees, agents, and contractors, to enter the Premises at reasonable times
      for each of the following purposes:

     

    13.1.1.
      Conducting inspections of the Premises;

     

    13.1.2.
      Making repairs, additions, or alterations to the Premises;

     

    
      
        
        

      

      
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    13.1.3.
      Showing the Premises to any prospective purchaser, tenant, lender, or
      insurer;

     

    13.1.4.
      Posting “For Rent” or “For Sale” signs or any signs or notices that Landlord
      deems prudent;

     

    13.1.5.
      Attempting to keep the Premises free of liens;

     

    13.1.6.
      Taking such action as is permitted under this Lease upon an Event of Default
      (as
      that term is defined in Section
      17.1)
      by
      Tenant; or

     

    13.17.
      Taking any necessary action in the event of an emergency.

     

    13.2.
      Landlord may, in connection with any entry, erect scaffolding, barriers, or
      similar structures, post relevant notices, and employ moveable equipment,
      without any obligation to reduce Tenant’s rent for the Premises during such
      period, and without incurring liability to Tenant for disturbance of quiet
      enjoyment of the Premises or loss of occupation of it.

     

    14.
      SUBLETTING
      AND ASSIGNMENT.

     

    14.1.
      Tenant shall not assign or sublease the Premises, or any part of it, or any
      right or privilege connected with it, nor shall Tenant allow any other person,
      except Tenant’s agents and employees, to occupy the Premises or any part of it,
      without first obtaining Landlord’s consent. Landlord expressly covenants that
      such consent shall not be unreasonably or arbitrarily withheld; provided,
      however, that any one consent by Landlord shall not be a consent to a subsequent
      assignment, sublease, or occupation by any other person and as a condition
      precedent to Tenant’s right to sublease or assign this Lease. Tenant’s
      unauthorized assignment, sublease, or license to occupy the Premises shall
      be
      void, and shall terminate this Lease, at Landlord’s option. Tenant’s interest in
      this Lease shall not be assignable by operation of law without Landlord’s
      written consent, and any assignment in violation of this Section
      14
      shall,
      at Landlord’s option, constitute an Event of Default.

     

    14.2.
      Assignment
      by Landlord. Landlord
      may freely assign this Lease without the consent of Tenant.

     

    15.
      PARKING. Landlord
      shall provide Tenant with a sufficient number of parking spaces in the existing
      parking lot on the Real Estate, which are reasonably adequate for Tenant’s use
      of the Premises as permitted under this Lease. Tenant shall require Tenant’s
      employees to park in areas designated by Landlord.

     

    16. SECURITY
      DEPOSIT. There
      is
      no security deposit by Tenant required under this Lease.

     

    
      
        
        

      

      
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    17.
      EVENTS
      OF DEFAULT.

     

    17.1.
      Default
      by Tenant. Each
      of
      the following acts or omissions shall constitute an event of default (an “Event
      of Default”) by Tenant and a material breach of this Lease:

     

    17.1.1.
      The failure to pay when due any Monthly Rent due under this Lease.

     

    17.1.2.
      The failure of Tenant to make any other payment when due under this Lease,
      including without limitation, insurance premiums, utility payments, taxes,
      and
      any expense incurred in the maintenance or improvement of the Premises, which
      failure continues for a period of at least 10 days, after Notice is given to
      Tenant.

     

    17.1.3.
      Any failure to perform or observe any other obligation of Tenant under this
      Lease, which failure of performance or observance continues for a period of
      at
      least 30 days after Notice is given to Tenant.

     

    17.1.4.
      Any of Tenant’s property located on the Premises is seized or levied upon under
      any legal or governmental process.

     

    17.1.5.
      Tenant becomes insolvent or subject to an insolvency proceeding, or has any
      property placed in the control of a trustee, receiver, or other
      custodian.

     

    17.1.6.
      Tenant abandons or vacates the Premises for a period of at least 30 consecutive
      days.

     

    17.1.7.
      The initiation and prosecution of dissolution, liquidation, or receivership
      proceedings against Tenant, or Tenant’s failure to maintain its corporate or
      other entity existence in conformance with Indiana law (if
      applicable).

     

    17.1.8.
      There is an act or omission by Tenant that constitutes an Event of Default
      under
      any other provision of this Lease.

     

    17.2.
      Default
      by Landlord. Landlord
      shall not be in default of this Lease unless Landlord fails to perform the
      obligations required of Landlord under this Lease within a reasonable time,
      but
      in no event longer than 30 days after Notice is given by Tenant to Landlord
      specifying the nature of the default claimed, provided, however, that if the
      nature of Landlord’s default is such that more than 30 days are required for
      performance, then Landlord shall not be in default if Landlord commences
      performance within such 30 day period, and then diligently prosecutes the same
      to completion or satisfaction.

     

    
      
        
        

      

      
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    18.
      REMEDIES.

     

    18.1.
      Landlord’s
      Remedies. Upon
      the
      occurrence of any Event of Default by Tenant, Landlord shall have the following
      remedies in addition to Landlord’s other rights and remedies as provided at law
      or in equity:

     

    18.1.1.
      Re-entry. Landlord
      may re-enter the Premises immediately, and remove all of Tenant’s personnel
      property from it; provided, however, that any retaking or possession by Landlord
      shall be without prejudice to the rights and remedies of Landlord to recover
      for
      damages sustained by reason of Tenant’s failure to properly perform the terms
      and conditions of this Lease.

     

    18.1.2.
      Termination. After
      re-entry, Landlord may terminate this Lease by giving 15 days’ written Notice of
      such termination to Tenant. Reentry only, without Notice of termination, shall
      not terminate this Lease.

     

    18.1.3.
      Reletting
      Premises.
      After
      re-entry, Landlord may relet the Premises or any part of it, without terminating
      this Lease, at such rent and on such terms as Landlord may choose, in Landlord’s
      sole discretion.

     

    18.1.4.
      Other
      Damages. Landlord
      may further pursue all available legal and equitable remedies for an Event
      of
      Default by Tenant, including the recovery of reasonable attorneys’ fees and all
      costs incurred as an Event of Default by Tenant. In addition, any obligation
      owed by Tenant to Landlord under this Lease shall bear interest at the rate
      of
      18% per annum from the date when due.

     

    18.1.5.
      Landlord’s
      Lien. It
      is
      expressly agreed if there is an Event of Default by Tenant, Landlord shall
      have
      a lien on all Trade Fixtures, equipment, machinery, goods, and other tangible
      personal property of any description belonging to Tenant which are placed in,
      or
      become a part of, the Premises, as security for rent due and to become due
      for
      the remainder of the Lease Term and all other obligations of Tenant under this
      Lease, which lien shall not be in lieu of, or in any way affect, Landlord’s
      other remedies, but shall be in addition to them. Tenant grants to Landlord
      a
      security interest in all such personal property for such purposes, and upon
      an
      Event of Default by Tenant, consents to the Landlord’s filing of a financing
      statement bearing only Landlord’s signature as evidence of said security
      interest; provided, however, that this lien shall not prevent the sale by Tenant
      of any merchandise in the ordinary course of business free of such lien. In
      the
      event of Landlord’s exercise of the remedy of re-entry provided to Landlord
      under Section
      18.1.1,
      and
      upon termination of this Lease, Landlord may exercise all remedies available
      to
      secured parties under the Indiana Uniform Commercial Code then in
      effect.

     

    18.2.
      Tenant’s
      Remedies. If
      Landlord defaults under Section
      17.2,
      Tenant
      shall be entitled to all legal and equitable remedies available, and to recover
      all reasonable attorney fees and other costs and expenses incurred by Tenant
      as
      a result of Landlord’s default.

     

    
      
        
        

      

      
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    18.3. Rights
      and Remedies Cumulative. The
      rights and remedies provided by this Lease are cumulative, and the use of any
      one right or remedy shall not preclude or waive a party’s right to use any other
      remedy. Such rights and remedies are given in addition to all other rights
      granted a party by law.

     

    18.4.
      Waiver. The
      failure by a party to enforce a breach of this Lease shall not be construed
      as a
      waiver by that party of the right to enforce such a breach at a later time,
      or
      to enforce any other breach.

     

    18.5.
      Joint Liability. If
      Tenant
      consists of more than one person, each such person shall be jointly and
      severally liable to Landlord for Tenant’s Events of Default.

     

    19.
      ESTOPPEL
      CERTIFICATE.

     

    19.1.
      Upon Landlord giving Tenant at least 10 days prior Notice, Tenant shall execute,
      acknowledge, and deliver to Landlord a statement in writing:

     

    19.1.1.
      Certifying that this Lease is unmodified and in full force and effect (or,
      if
      modified, stating the nature of such modification and certifying that this
      Lease, as so modified, is in full force and effect), and the date to which
      the
      rent and other charges are paid in advance, if any; and

     

    19.1.2.
      Acknowledging that there is not, to Tenant’s knowledge, any uncured default by
      Landlord under this Lease, or specifying each such default, if any is
      claimed.

     

    19.2.
      Any
      statement provided under Section
      19.1
      may be
      conclusively relied upon by a prospective purchaser or lienholder of the
      Premises or the Real Estate. At Landlord’s option, Tenant’s failure to timely
      deliver such statement shall be an Event of Default, or shall be a conclusive
      determination binding on Tenant that:

     

    19.2.1.
      This Lease is in full force and effect, without modification except as may
      be
      represented by Landlord;

     

    19.2.2.
      There is no uncured Event of Default by Landlord under the Lease;
      and

     

    19.2.3.
      Not more than one month’s rent has been paid in advance.

     

    20.
      QUIET
      ENJOYMENT. Landlord
      warrants that Tenant shall have the quiet use and enjoyment of the Premises
      during the Lease Term, free from unreasonable interference by
      Landlord.

     

    21.
      SUBORDINATION
      AND EXONERATION OF LANDLORD. The
      interest granted to Tenant pursuant to the terms and conditions of this Lease
      are, and shall throughout the Lease Term, be subordinate to Landlord’s right to
      pledge or mortgage the Premises or the Real Estate as security
      for any indebtedness incurred by Landlord in its sole discretion. Landlord
      may
      convey title to the Premises pursuant to a sale or exchange of property, subject
      to the terms and conditions of this Lease; provided, however, that Landlord
      shall not be liable to Tenant or any immediate or remote assignee or successor
      of Tenant, for any act or omission occurring from and after any such
      conveyance.

     

    
      
        
        

      

      
        12

        
          

        

      

      
        
        

      

    

     

    22.
      NOTICE.

     

    22.1. Written
      Notice. Any
      notice, designation, consent, approval, offer, acceptance, statement, request,
      or other communication required or allowed under this Agreement (each, a
“Notice”) shall be in writing. Any action required under this Agreement that is
      a term within the definition of “Notice” also shall be in writing.

     

    22.2. Place
      of Notice. Notice
      to
      a party shall be given at the party’s address stated below, or at such other
      address as a party may designate in a Notice to the other party:

     

    
      
        	
                If
                  to Landlord:

              	
                PD
                  Properties, LLC

              
	 	
                c/o
                  Manager 

              
	 	
                415
                  E. Dupont Road, Suite 500

              
	 	
                Fort
                  Wayne, Indiana 46825

              
	 	 
	
                If
                  to Tenant:

              	
                Freedom
                  Financial Mortgage Corp.

              
	 	
                Attn:
                  President

              
	 	
                421
                  E. Cook Road, Suite 200

              
	 	
                Fort
                  Wayne, Indiana 46825

              

      

    

     

    22.3.
      Manner
      of Giving Notice. Notice
      shall be deemed given when:

     

    22.3.1.
      Personal service of the Notice is made on the party to be notified but the
      party
      need not be present at the address designated under Section
      22.2;

     

    22.3.2.
      The Notice is mailed to the party to be notified by means of certified or
      registered U.S. mail, return receipt requested, postage prepaid; or

     

    22.3.3.
      The Notice is sent to the party to be notified by express courier such as
“Federal Express”, or such other similar carrier guaranteeing next day
      delivery.

     

    22.4.
      Refusal
      of Notice.  Refusal
      by a party to accept a Notice shall not affect the giving of the
      Notice.

     

    23.
      MEMORANDUM. The
      parties shall, upon request of Landlord, execute and record a short form of
      Memorandum of Lease in a form agreed upon by the parties, summarizing the terms
      and conditions of this Lease.

    
      
        
        

      

      
        13

        
          

        

      

       

    

     

    24.
      AUTHORITY. Each
      person signing this Lease in a representative capacity on behalf of a party
      warrants and represents to each other party that:

     

    24.1.
      The
      person executing this Lease has the actual authority and power to so sign,
      and
      to bind the person’s respective principal to the provisions of this Lease;
      and

     

    24.2.
      All
      corporate or other entity action necessary for the making of this Lease has
      been
      duly taken.

     

    25.
      MISCELLANEOUS.

     

    25.1. Binding
      Effect. This
      Lease and the covenants and conditions of it, shall apply to, and be binding
      upon, the parties and their respective heirs, successors, and legal
      representatives.

     

    25.2. Entire
      Agreement. This
      Lease represents the entire agreement of the parties, and supersedes all their
      prior negotiations and agreements pertaining to the lease or use of the Premises
      by Tenant.

     

    25.3. Amendment. This
      Lease may only be amended in a writing signed by both parties.

     

    25.4. Captions,
      Number, and Gender. The
      captions appearing throughout this Lease are included for convenience purposes
      only, and shall not be interpreted as substantive terms of this Lease.
      Throughout this Lease, the singular shall be interpreted to include the plural,
      and the plural the singular. Further, the use of any gender for convenience
      purposes only, and the use of one gender shall include all others.

     

    25.5. Invalid
      Provision and Severability. The
      invalidity or unenforceability of any particular provision of this Lease shall
      not affect the other provisions of it; and this Lease shall be construed in
      all
      respects as if such invalid or unenforceable provision was omitted.

     

    25.6. Governing
      Law. This
      Lease shall be governed in all respects whether as to validity, construction,
      capacity, performance, or otherwise by the laws of the State of
      Indiana.

     

    25.7. Rule
      of Construction. The
      judicial rule of construction requiring or allowing a document to be construed
      to the detriment or against the interests of the document’s maker or drafter
      shall not apply to this Lease.

     

    25.8. Counterparts. This
      Lease may be executed in several counterparts, each of which shall be deemed
      an
      original, but together the counterparts shall constitute one and the same
      document.

     

    
      
        
        

      

      
        14

        
          

        

      

       

    

     

    25.9. Force
      Majeure.
      If,
      by
      reason of acts of God, floods, storms, explosion, fires, labor troubles,
      strikes, insurrection, riots, acts of the public enemy, or federal, state or
      local law, order, rule, or regulation, either party is prevented from complying
      with any obligation, covenant, or condition in this Lease, then while so
      prevented, the condition shall be suspended, or the obligation or covenant
      shall
      be extended, the party shall be relieved of the obligation to comply with such
      obligation or covenant, and the party shall not be liable for damages for
      failure to so comply.

     

    25.10.
      Review by Counsel. Each
      party has had the opportunity to have this Lease reviewed by independent counsel
      before signing it.

     

    IN
      WITNESS WHEREOF,
      the
      parties have set their hands as of the day and year first above
      written.

     

    [THE
      REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK.]

     

    
      
        
        

      

      
        15

        
          

        

      

       

    

    
      	 	 	 
	 	
              PD
                PROPERTIES, LLC

            
	 
 	 
 	 
 
	
            	 	/s/
              Diana L. Parent
	 	
              
                

                Diana
                  L. Parent, Manager

              

            
	 	 
	 	
                     
                “LANDLORD”

            

    

    

     

    
      
        
        

      

      
        16

        
          

        

      

      
        
        

      

    

     

    
      	 	 	 
	 	
              FREEDOM
                FINANCIAL MORTGAGE CORP.

            
	 
 	 
 	 
 
	
            	By:  	/s/
              Robin Hunt
	 	
              

              (Signature)

            

    

     

    
      	 	 	 
	
            	
            	/s/ ROBIN
              HUNT
	 	
              

              (Printed/Typed
                Name)

            

    

    
       

      
        	 	 	 
	
              	Its:  	VICE
                PRESIDENT
	 	
                

                
                  (Title)

                

              
	 	 
	 	
                “TENANT”

              

      

       

    

    
      
        
        

      

      
        17

        
          

        

      

      
        
        

      

    

     

    EXHIBIT
      “A”

     

    Legal
      Description of the Real Estate

     

    Part
      of
      the Southwest Quarter of Section 12, Township 31 North, Range 12 East, Allen
      County, Indiana, more particularly described as follows:

     

    Beginning
      at the Southwest corner of Section 12, Township 31 North, Range 12 East, Allen
      County, Indiana; thence North 00 degrees 39 minutes 27 seconds West along the
      West line of Section 12, said line also being the centerline of Coldwater Road,
      a distance of 393.1 feet; thence leaving Coldwater Road and following the
      centerline of Branch #1 of Kruse Drain, North 86 degrees 01 minute 10 seconds
      East a distance of 628.26 feet; thence North 78 degrees 29 minutes 17 seconds
      East a distance of 62.90 feet; thence leaving the Kruse Drain, South 00 degrees
      39 minutes 27 seconds East a distance of 447.32 feet; thence South 89 degrees
      50
      minutes 18 seconds West along the South line of Section 12, said line being
      the
      centerline of Cook Road, a distance of 689.0 feet to the point of beginning,
      containing 6.59 acres.

     

    
      
        
        

      

      
        18

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