Document:

EXHIBIT 10.8.2

                           APARTMENT LEASE AGREEMENT
                           --------------------------
                           SUMMARY OF KEY LEASE TERMS

                                                       APARTMENT HOME 1-20N-2004

  This Summary of Key Lease Terms (this "Summary") is an integral part of this
           Lease and is included within this Lease for all purposes.
  All terms used in the Summary are deemed to be defined terms for purposes of
                                  this Lease.

LEASE EXECUTION DATE; ______________________

APARTMENT ADDRESS: 2004 Court North Drive Melville, NY 11747 located at
                   Avalon Court (THE "COMMUNITY").

RESIDENT(S): You are the Resident(s). All persons 18 years of age or older who
will reside at the apartment must be listed in the Summary and must sign this
Lease. In this Lease, the Resident (whether one or more) is called "you" and
"yours".

Your Name(s):  SLM Holdings Inc.

OCCUPANT(S): The apartment will be occupied only by (list all occupants and list
all pets):

               Brian Burne                         Jason  Bishara

               SLM Holdings Inc.

MANAGER: We are the property manager and agent of the Owner, In this Lease, the
Manager is called "we", "us", and "our".

Name:     AvalonBay Communities, Inc.

Address:  100 Court North Drive

          Melville, NY 11747

OWNER: The Owner is:

Name:     AvalonBay Communities, Inc.

Address:  2900 Eisenhower Avenue Suite 300

          Alexandria, VA 22314

                                                                      [GRAPHICS]

                               Summary Page 1 of 2
<PAGE>

                            APARTMENT LEASE AGREEMENT
                            --------------------------
                            SUMMARY OF KEY LEASE TERMS

Apartment Home: 1-20N-2004

<TABLE>
<S>                                             <C>
SUMMARY OF RECURRING MONTHLY CHARGES            SUMMARY OF NON-RECURRING CHARGES
------------------------------------            --------------------------------
BASE RENT:             $2,699.00

Trash Charge           $10.00

TOTAL RENT AND RECURRING CHARGES $2,709.00
                                                SUMMARY OF REQUIRED DEPOSITS
                                                ----------------------------
                                                Security Deposit:     $1,000.00
FIRST MONTH PRORATION:           $1,223.00
                                                                  TOTAL:       $1,000.00
TERM:                    12
LEASE BEGIN  DATE:     01/18/2006                     OWNER UTILITY OBLIGATIONS:
LEASE END  DATE:       01/17/2007
MOVE IN DATE:          01/18/2006                       ( ) Internet          ( ) Cable TV
                                                        ( ) Gas               ( ) Electricity
                                                        ( ) Trash             ( ) Water
                                                        (X) Sewer             ( ) Telephone

                                                      MISCELLANEOUS TERMS/CHARGES:

                                                           LATE CHARGE:                 $75
                                                           LATE CHARGE DATE:  6TH DAY OF THE MONTH

                                                      Returned Check Charge:          $ 50.00
                                                      MTM Premium:                  20 % of Market Rent
                                                      Transfer Charge:                  100 %
                                                      Renewal Amenity Charge:          $ 500.00
                                                      Application Fee:                 $ 100.00
                                                      Common Area Amenity Charge:      $ 500,00

                                                      OTHER ASSIGNMENTS:
</TABLE>

--------------------------------------------------------------------------------
GRAND TOTAL RENT AND OTHER CHARGES FOR
APARTMENT HOME AND NON-RESIDENTIAL UNITS:                 $2,709.00

GRAND TOTAL FIRST MONTH PRORATION:                        $1,223.00

                                                              /s/ [ILLEGIBLE]

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ATTACHED AGREEMENTS/ADDENDA:

                                                                      [GRAPHICS]

                               Summary Page 2 of 2
<PAGE>

                            APARTMENT LEASE AGREEMENT
                                  NEW YORK FORM

                                TABLE OF CONTENTS

 NO.              ITEM                                                      PAGE
----              ----                                                      ----
  1.   AGREEMENT TO ABIDE BY LEASE AND PARTIES                                1
  2.   APARTMENT                                                              1
  3.   POSSESSION AND USE                                                     1
  4.   TERM                                                                   1
  5.   RENT                                                                   2
  6.   OTHER CHARGES                                                          2
  7.   SECURITY DEPOSIT                                                       4
  8.   UTILITIES                                                              4
  9.   WATER/SEWER SERVICE                                                    4
 10.   ACCEPTANCE & CARE OF APT.                                              4
 11.   REIMBURSEMENT BY RESIDENT                                              5
 12.   DAMAGE TO APARTMENT                                                    5
 13.   RENEWAL OF LEASE                                                       5
 14.   FAILURE TO VACATE AFTER NOTICE                                         6
 15.   MOVING OUT                                                             6
 16.   DISPOSAL OF PROPERTY                                                   6
 17.   DEFAULT                                                                6
 18.   SURVIVAL UPON DEFAULT                                                  6
 19.   RIGHT OF REENTRY                                                       7
 20.   OWNER/MANAGER LIABILITY; REQUIREMENT TO PURCHASE RENTER'S INSURANCE    7
 21.   QUIET ENJOYMENT                                                        7
 22.   SECURITY ACKNOWLEDGMENT AND WAIVER                                     7

 NO.              ITEM                                                      PAGE
----              ----                                                      ----
 23.   RULES & REGULATIONS                                                    8
 24.   CRIMINAL ACTIVITY                                                      8
 25.   PETS                                                                   8
 26.   PARKING                                                                8
 27.   STORAGE AREAS                                                          8
 28.   SATELLITE DISHES                                                       8
 29.   MATERIALS IN THE COMMUNITY                                             8
 30.   HAZARDOUS MATERIALS                                                    9
 31.   RIGHT OF ENTRY                                                         9
 32.   SUBLETTING                                                             9
 33.   NOTICE                                                                 9
 34.   NO WAIVER                                                              9
 35.   RESIDENT INFORMATION                                                  10
 36.   GENERAL                                                               10
 37.   SUBORDINATION                                                         10
 38.   SUCCESSORS                                                            10
 39.   SALE OR CONDEMNATION                                                  10
 40.   SEVERABILITY                                                          10
 41.   COUNTERPART                                                           10
 42.   MILITARY TRANSFER                                                     10
 43.   TERMINATION PRIOR TO LEASE BEGIN DATE                                 11
 44.   MOVE-IN GUARANTEE                                                     11

1.    AGREEMENT TO ABIDE BY LEASE AND PARTIES. This Apartment Lease Agreement
      (the "Lease") is made as of the Lease Effective Date specified in the
      Summary of Key Lease Terms (the "Summary"), which is an integral part of
      this Lease and is included in this Lease for all purposes, between
      Manager, as agent for Owner, and Resident, and states the terms on which
      we are renting an apartment to you in the Community at the Apartment
      Address specified in the Summary. This Lease is contingent upon our
      approving your application. You and we agree to abide by its terms. In
      this Lease, the Resident (whether one or more) is called "you" and
      "yours." Each Resident listed is jointly and severally liable for each
      provision of this Lease.

2.    APARTMENT. In consideration for your paying Rent and complying with all
      other provisions of this Lease, we agree to lease to you the apartment
      home in the Community located at the Apartment Address specified in the
      Summary. In this Lease it is called "your apartment" or "the apartment".
      Your apartment and the Community, including all buildings, common grounds,
      amenity and parking areas, are together called "the Premises."

      You realize that we enter into this Lease with you based on what you told
      us in your application. Your representations are deemed material and we
      are relying on them in entering into this Lease. If any of the
      representations are untrue, incorrect or misleading, you will have
      breached this Lease in a manner that cannot be remedied and we may
      terminate this Lease and repossess the apartment in accordance with
      applicable law.

3.    POSSESSION AND USE. You agree to use your apartment as a private residence
      and for no other purpose, except as approved by us in writing. You are
      responsible for complying with all applicable laws, and you must reimburse
      us in full for all costs that we incur, in connection with any other
      approved use of your apartment. The apartment will be occupied only by the
      Occupants listed in the Summary. You will not permit unauthorized persons
      or unauthorized pets to live at the apartment.

4.    TERM. This Lease begins on the Lease Begin Date specified in the Summary.
      This Lease ends on the Lease End Date specified in the Summary.

                                        1
<PAGE>

 5.   RENT.

      a.    You will pay an amount equal to the Total Rent and Other Charges, as
            specified in the Summary, including Base Rent and all other
            recurring monthly charges due under this Lease on or before the
            first day of each month during the term of this Lease. Such monthly
            payments and all other amounts that are payable under this Lease
            including all Other Charges, are deemed to be rent (collectively,
            "Rent") under this Lease and will be paid by you without any demand,
            setoff, deduction or recoupment. Failure to pay Rent will give rise
            to an action for eviction in addition to any other remedies we may
            have.

      b.    You agree that we may apply any payment of Rent we receive from you
            first to any Other Charges, outstanding fees, costs or charges owed
            by you to us under this Lease, and then to the oldest remaining Rent
            due and owing regardless of any statement by you, written or oral,
            or any notation on your rental payment check or money order to the
            contrary.

      c.    You will mail or deliver your Rent payment to our office here at the
            Community, or at such other place or in such other manner as Owner
            may from time to time designate, Payments made by check may be
            processed using electronic check conversion.

      d.    If we send you a notice changing the address to which you are to
            send the Rent, you agree to send the Rent to the address contained
            in the notice.

      e.    We are not obligated to accept partial or late payments of Rent but
            may elect to do so, at our sole option. Acceptance of any partial
            payment does not relieve you of your obligation to pay the
            outstanding balance due.

      f.    Your Rent payments will be credited to your account on the date that
            they are received by us.

      g.    Any Rent that is paid late must be in the form of a money order,
            cashier's check, or certified check.

      h.    Neither the Owner nor we are liable to you if your apartment is not
            ready for occupancy by you on the Lease Begin Date. If that happens,
            you will not be obligated to pay Rent during the period of delay.
            The delay will not affect any other terms of the Lease. If the delay
            continues for more than 14 days after the Lease Begin Date, then you
            may terminate this Lease by written notice to us given before the
            date that is 21 days after the Lease Begin Date. The Lease End Date
            will not change.

      i.    If you move into your apartment prior to the Lease Begin Date, both
            you and we must perform all obligations under this Lease as of your
            actual Move-in Date (the "Move-in Date"). The Lease End Date will
            not change.

      j.    If you give us two checks (Rent, Other Charges, Security Deposit,
            other) that are returned for non-payment during your application
            process and/or residency at the Community, then all future Rent and
            Other Charges are to be paid by money order, cashier's check or
            certified check.

      k.    You will be given a written receipt for all cash or money orders
            paid by you for Rent, Security Deposit or Other Charges.

6.    OTHER CHARGES. You also agree to pay the following "Other Charges":

      a.    COMMON AREA/AMENITIES CHARGE: You agree to pay a charge for the use,
            in common with other residents, of the common areas and amenities at
            the Community. This payment will be in the amount of the Common/Area
            Amenities Charge specified in the Summary, and is to be paid in full
            upon the signing of this Lease. The Common Area/Amenities Charge is
            not a monthly recurring charge, and your payment covers the full
            term of this Lease (but not any renewal). This Common Area/Amenities
            Charge is not part of your Security Deposit, and is non-refundable.
            We will charge an additional common area/amenities charge at the
            time you renew your lease which will be at the Community's then
            prevailing common area/amenities charge, notwithstanding any amounts
            set out on the Summary, and a new Summary will be provided at that
            time specifying the amount of such common area/amenities charge.

      b.    LATE CHARGE: If your Rent is not paid before the Late Charge Date
            specified in the Summary, a Late Charge in the amount specified in
            the Summary will be due immediately. In the event of such late
            payment, both the Rent and the Late Charge must be in the form of a
            money order, cashier's check or certified check. You acknowledge
            that these charges are fair, reasonable and acceptable compensation
            to us for the expenses and harm, direct and indirect, that we suffer
            when your Rent is not paid on time. You also acknowledge that it
            would be extremely difficult and burdensome to calculate, assess and
            collect compensation for such expenses and harm with respect to any
            particular delay in receiving your Rent. The fact that a Late Charge
            is not assessed until after the Late Charge Date does not constitute
            a grace period for the payment of Rent. We have the right to file
            suit to gain possession of your Apartment on the second day of the
            month if Rent is not paid on the first.

      c.    RETURNED CHECK CHARGE: If you send us a personal check (for your
            Rent, Other Charges, Security Deposit, other) and when we deposit
            the check it is returned for "insufficient funds" or for any other
            reason, you agree to pay the Returned Check Charge specified in the
            Summary. You will also be liable for any late charges incurred as a
            result of the check being returned. The Returned Check Charge is due
            with the redeeming payment.

                                        2
<PAGE>

      d.    LIABILITY FOR VACATING PRIOR TO LEASE END DATE: You have committed
            to pay Rent and Other Charges through the Lease End Date. This means
            that if you vacate your apartment prior to the Lease End Date, you
            may remain liable for all of your obligations under this Lease,
            subject to our duty to take reasonable actions to rent your
            apartment to another resident. In general, the damages you will owe
            us will include the payment of all Rent through (i) the end of the
            original term (i.e., until the original Lease End Date) or (ii) if
            earlier, the date a new resident occupies and begins paying Rent for
            your apartment. You may also be liable for any other actual damages
            we may incur. We will use reasonable efforts to rent your apartment
            in order to minimize the damages caused to us by your default, but
            we will be under no obligation to encourage prospective residents to
            rent your apartment in preference to other vacant apartments. You
            may limit the amounts you owe us if you and we agree to change the
            Lease End Date, as described in paragraph (e) below.

      e.    CHANGE IN LEASE END DATE: EARLY TERMINATION CHARGE: You may make us
            an offer to change the Lease End Date to an earlier date than
            originally provided in the Summary. To be effective, your offer must
            be in writing, must specify a new Lease End Date at least sixty (60)
            days from the date of the offer, and must be accompanied by the
            "Early Termination Charge" then in effect at the Community. The
            Early Termination Charge is an amount that we set and change from
            time to time in our sole discretion, which is available upon request
            from the Community. You agree that if you make an effective offer to
            change the Lease End Date, we will have one week to decide whether
            to accept or reject your offer, which decision we may make in our
            sole discretion. We generally will not accept an offer if you are in
            default under this Lease at the time the offer is made. If we accept
            your offer, the Lease End Date will be changed to (i) the sixtieth
            day after the date you make an effective offer, or (ii) if later,
            the date you indicate in your effective offer as your preferred
            Lease End Date. If we accept your offer, then we will retain the
            Early Termination Charge you paid with your offer. You must,
            however, comply with all other terms of the Lease and the Security
            Deposit Agreement, including the timely payment of Rent and, as the
            case may be, Other Charges, prior to the new Lease End Date. You
            must leave the Apartment on or before the new Lease End Date. You
            will remain liable for all Rent, Other Charges and other sums that
            arise before the new Lease End Date or that arise on account of your
            tenancy with us or your failure to pay us amounts owed. You agree
            that by making an effective offer, you will be indicating that such
            offer was made in your sole discretion and that you consider the
            terms of such offer reasonable in light of the benefit you will
            receive if we accept your offer.

      f.    NON-REFUNDABLE PET CHARGES: We do permit pets as provided in the
            Community Policies. If you elect, pursuant to the provisions of
            Paragraph 25, to keep a pet or pets, you agree to pay for each
            animal, bird, or pet of any kind that is to be kept in or about your
            apartment, a Monthly Non-Refundable pet charge and a One-Time
            Non-Refundable Pet Charge in the amounts specified in the Summary
            (in addition to the Pet Deposit specified in the Summary and
            referred to in Paragraph 7). The Monthly Non-Refundable Pet Charge
            is to be paid each month with your Rent. The One-Time Non-Refundable
            Pet Charge is payable upon signing the Lease if the animal, bird or
            pet is to be kept in your apartment as of the Lease Begin Date. If
            you bring an animal, bird or pet into the Community after your
            initial Lease Begin Date, you agree to pay the One-Time
            Non-Refundable Pet Charge prior to bringing the animal, bird or pet
            into your apartment.

      g.    GARAGE CHARGES: If there is a charge for parking at the Community
            (garage, carport or otherwise), you agree to pay a Garage Charge,
            including the State of New York sales tax, in the amount specified
            in the Summary per space each month due and payable with your Rent.
            If we are required to low or store a motor vehicle belonging to you
            or any of your guests, all charges we incur are due from you to us.

      h.    STORAGE CHARGES: If we provide you a storage area apart from your
            apartment, you agree to pay the Storage Charge specified in the
            Summary each month due and payable with your Rent.

      i.    APPLIANCE CHARGES: If we provide to you an optional appliance, you
            agree to pay any appliance charge specified in the Summary,
            including Refrigerator Charges and Washer/Dryer Charges, which are
            due and payable with your Rent. Any appliances provided by us must
            remain located in your apartment.

      j.    CAH CHARGE: If we provide to you a corporate (furnished) apartment
            home, you agree to pay a CAH Charge or Charges each month in the
            amount or amounts specified in the Summary, due and payable with
            your Rent.

      k.    TRANSFER CHARGE: If you are not in default of your lease, we will
            allow you to transfer to another apartment or another Avalon
            Community during your lease. All transfers must be requested in
            writing 30 days in advance. If you want to transfer from your
            apartment to another apartment within the Community, you agree to
            pay a Transfer Charge in the amount specified in the Summary. This
            Transfer Charge is non-refundable and a new lease on our current
            lease form must be signed by you. The Transfer Charge is due at the
            time your request to transfer is agreed to. If you want to transfer
            to another Avalon community you will not be charged a Transfer
            Charge. Due to availability and other circumstances, we cannot
            promise that your transfer request will be granted.

      l.    UNRETURNED KEYS: If you fail to return keys that we give to you, or
            if we are required to replace locks because all door keys to the
            Premises are not returned to us, you agree to pay specified amounts
            as set forth in the Security Deposit Agreement.

      m.    MONTH-TO-MONTH PREMIUM: If you become a month-to-month resident, as
            set forth in Paragraph 13, you agree to pay the Community's market
            rent for your apartment at such time as specified by us, plus the
            Community's then prevailing month-to-

                                        3
<PAGE>

            month premium, notwithstanding any amounts set out on the Summary,
            and a new Summary will be provided at that time specifying the
            amount of such month-to-month premium.

      n.    REIMBURSEMENTS: If you are required to reimburse us under the
            provisions of Paragraph 11, such reimbursements will be due
            immediately upon demand by us.

      o.    ATTORNEY FEES: You agree to reimburse us for all attorney fees and
            disbursements sustained or incurred by us as a result of your
            failure to observe or perform any term, covenant or condition of
            this Lease.

7.    SECURITY DEPOSIT. You agree to deposit with us a Security Deposit in the
      amount specified in the Summary and a Pet Deposit (if applicable) in the
      amount specified in the Summary, as security for the performance of your
      obligations under this Lease. Such amounts will be held pursuant to the
      Security Deposit Agreement signed at the same time as and incorporated by
      reference into this Lease. This Security Deposit will not be used by you
      to pay any Rent or Other Charges.

8.    UTILITIES. Owner will pay for the utility services to your apartment that
      are checked as Owner's responsibility in the Summary under the designation
      "Owner Utility Obligations," except that Owner may, for any reason, to the
      extent permitted by applicable law, discontinue providing or paying for
      any utility service to your apartment upon thirty (30) days' prior notice
      to you. In that event, we will no longer charge you under this Lease for
      such utility service after the date we discontinue it, and you will
      thereafter be responsible for contracting directly with the utility
      provider for the service at your expense. Each utility service not
      provided at the Owner's expense (i.e., not checked under "Owner Utility
      Obligations" on the Summary or otherwise discontinued by Owner) is to be
      provided to your apartment at your expense. It is your sole responsibility
      to initiate such service in your name prior to accepting the apartment or
      after we discontinue service, and to terminate such service prior to
      vacating the apartment. If you fail to initiate such service in your name,
      we may bill you (either directly or through a billing company with which
      we have contracted) for any service you receive which is charged to us,
      Such bills will include an administrative fee of $5.00. You will be
      charged for your utility service usage on a separate metering and billing
      basis either directly from the utility provider or on a sub-metering,
      square footage, or other billing basis by us (including reimbursing us for
      any utility services billing incurred by you but received by us after your
      Move-in or Move-out dates, as the case may be). You agree to pay all
      utility charges, including utility deposits, assessed by utility companies
      (or by us in the case of utilities billed to you by us) in connection with
      utility services provided to your apartment during the term of this Lease.
      Further, if you fail to pay utility charges, and we are assessed by the
      utility company for these utility services, then we may pay these
      assessments to such utility company and subtract a like amount from your
      Security Deposit, which you must immediately replenish. Further, if you
      fail to pay utility charges and power to your apartment is cut off by the
      utility provider, you will be in default under this Lease.

      You agree to pay a Trash Removal Charge each month in the amount specified
      in the Summary for trash removal, which is due and payable with your Rent.

      We may modify the method by which utilities are furnished to your
      apartment and/or billed to you during the term of this Lease. This
      includes, but is not limited to, sub-metering the apartment for certain
      utility services. In the event we choose to so modify utility services to
      your apartment, we will give you at least thirty (30) days prior written
      notice of such modification.

      We are not liable for any inconvenience or harm caused by any stoppage or
      reduction of utilities beyond our control.

      At the Move-in Date we will furnish light bulbs and tubes of prescribed
      wattage for the light fixtures located in your apartment. After that date,
      you agree, at your expense, to replace light bulbs and tubes in your
      apartment.

      During the heating season you agree to keep the apartment thermostat at no
      less than 55 degrees Fahrenheit. You will be liable for damages to the
      Premises that result if you do not keep your apartment thermostat at a
      minimum of 55 degrees Fahrenheit during the heating season.

9.    WATER/SEWER SERVICE. You are responsible for paying your own water and/or
      sewer expense. A water meter has been installed that measures water and/or
      sewer usage. You are not paying for any other resident's water and/or
      sewer usage nor are you paying for any water and/or sewer usage for common
      areas of the Community. You will receive bills from the applicable water
      utility and should make payment to the utility as directed.

      You acknowledge that neither the Owner nor we are a water or utility
      company and we are not responsible for the supply of water to your
      apartment home. In the event of interruption or failure of water service
      provided to the Community by the local water company, including but not
      limited to an inadequate supply, poor pressure and/or poor quality, you
      shall look solely to the applicable local water company for any damages
      you incur. You agree that neither the Owner nor we will have any liability
      for any such interruption or failure of water service to the Community.

10.   ACCEPTANCE AND CARE OF APARTMENT. At the time you first occupy your
      apartment or within five (5) business days thereafter, you agree to
      itemize in a MOVE-IN INSPECTION REPORT (the form will be provided by us)
      all damages to your apartment existing at the time of your initial
      occupancy. Both you and we will initial this itemization, a copy of which
      you may keep for safekeeping. Damages and defects not itemized will be
      presumed to have first occurred during your occupancy of the apartment. If
      we disagree with the damages and defects you itemized, we will notify you
      within five (5) business days after we receive the itemization from you.
      If you do

                                        4
<PAGE>

      not provide to us the itemization within five (5) business days after your
      Move-in date, the apartment will be deemed accepted by you and to not have
      any damages or defects.

      All improvements made to your apartment by you will be at your sole cost
      and expense, will only be made upon our prior written consent, and all
      fixture Improvements will become Owner's property and will be surrendered
      with your apartment at the termination of this Lease.

      You will use reasonable diligence in caring for the Premises and agree to
      maintain the apartment, together with the furniture, furnishings and other
      personal property, if any, provided by Owner, in as good condition as they
      were in at the start of the Lease except for ordinary wear and tear. No
      holes are to be driven into the cabinets, woodwork, ceilings, doors or
      floors. Holes are permitted in walls for wall hangings only. No change of
      locks or additional locks are permitted except by our prior written
      consent. You will not remove any fixtures, or any of Owner's furniture or
      furnishings from the Premises for any purpose. You will not tamper with or
      disable water saving devices, if any. You acknowledge that on the Move-in
      Date all smoke detectors and carbon monoxide detectors (if any) Were
      present and were in good working order, and after that date you will
      maintain the smoke and carbon monoxide detectors and replace the batteries
      when necessary.

      You agree that when you leave, the Premises will be clean and in the same
      condition received, except for ordinary wear and tear and for damage
      caused by fire or other casualty not occurring through the fault of you,
      your family, guests, invitees, agents or pets. If not, you agree to pay
      the cost of (1) labor for cleaning the stove, refrigerator, kitchen,
      bathroom, and other parts of the apartment; (2) removing trash or other
      property left or abandoned on the Premises; (3) painting and redecorating
      the apartment, including removing wallpaper or paint installed by you, or
      any other action which is required to return the apartment to the same
      condition as when you received it except for ordinary wear and tear and
      damage caused by fire or other casualty as stated above; and (4) repairing
      or replacing any portion of the Premises or property of the Owner which is
      damaged, removed or altered in any manner.

      It is our goal to maintain the highest quality living environment for our
      residents. Therefore, you should know that we have inspected your
      apartment prior to the Lease Effective Date and know of no damp or wet
      building materials and know of no mold or mildew contamination. You are
      hereby notified that mold, however, can grow if your apartment is not
      properly ventilated or maintained. If moisture is allowed to accumulate in
      your apartment, it can cause mildew and mold to grow. It is important that
      you regularly allow air to circulate in your apartment. It is also
      important that you keep the interior of the apartment clean and that you
      promptly notify us of any leaks, moisture problems, and/or mold growth.
      You agree to maintain the Premises in a manner that prevents the
      occurrence of an infestation of mold or mildew in the Premises. You agree
      to uphold this responsibility by (i) keeping the apartment free of dirt
      and debris, (ii) immediately reporting to us any water intrusion, such as
      plumbing leaks, drips or "sweating pipes", (iii) notifying us of overflows
      from bathroom, kitchen or laundry facilities, (iv) reporting to us any
      significant mold growth on surfaces inside your apartment, (v) using
      bathroom fans while showering or bathing and reporting to us any
      non-working fan, (vi) using exhaust fans when cooking, dishwashing or
      cleaning, (vii) using reasonable care to close all windows and other
      openings into the apartment to prevent outdoor water from coming into the
      apartment, (viii) cleaning and drying any visible moisture on windows,
      walls and other surfaces, including personal property as soon as
      reasonably possible (note: mold can grow on damp surfaces within 24 to 48
      hours), and (ix) notifying us of any problems with the air conditioning or
      heating systems that you discover. You further agree that you will be
      responsible for damage to the Premises and your property, as well as
      injury to you or any Occupants or guests resulting from your failure to
      comply with the terms of this Section.

11.   REIMBURSEMENT BY RESIDENT. You agree to reimburse us promptly in the
      amount of any loss, property damage or cost of repairs or service
      (including plumbing trouble) caused by negligence or improper use of the
      Premises by you, your family, guests, invitees, agents or pets. You are
      responsible for any damage resulting from windows or doors left open. As
      noted in Paragraph 8, you are liable for damages to the Premises that
      result if you do not keep your apartment thermostat at a minimum of 55
      degrees Fahrenheit during the heating season. Likewise, if your apartment
      is equipped with a sprinkler system, you will be responsible if you
      damage, or by failing to exercise reasonable care, set off the system.
      Such reimbursement will be due immediately upon demand by us.

12.   DAMAGE TO APARTMENT. If there is damage to the Apartment by fire, water or
      other hazard, or in the event of malfunction of equipment or utilities,
      agree to immediately notify us. If, in our sole opinion, the damages are
      such that this Lease can continue, we will make repairs as needed with
      reasonable promptness. Rent will not abate during the period of such
      repairs. If, in our sole opinion, the apartment is so damaged as to be
      unfit for occupancy, you may immediately vacate the Premises and within
      fourteen (14) days serve on us, in accordance with the notice provisions
      of Paragraph 33, a written notice of your intention to terminate this
      Lease. If you do so, then this Lease will terminate as of the day you
      vacated and your obligation to pay Rent will cease as of the date you
      actually vacated. You will be liable only for Rent up to the date you
      actually vacated (except in those situations where you, your family,
      guests, invitees, agents or pets were responsible for the damage or
      destruction). If available and at our option, you may accept a comparable
      apartment in the Community for the remaining term of this Lease, and
      continue to pay Rent.

13.   RENEWAL OF LEASE. We may offer to renew your Lease at any tone before the
      end of the current Lease, but we have no obligation to do so. Your renewal
      lease term would begin at the end of the term of this Lease and may be on
      different terms than this Lease. YOU MUST SEND US WRITTEN NOTICE OF YOUR
      INTENT TO NOT RENEW AT LEAST SIXTY (60) DAYS BEFORE THE END OF THE TERM OF
      THIS LEASE. Nothing in this paragraph is intended to waive our right to
      Immediately file suit for eviction, without prior notice, if you remain In
      possession after the termination date of your Lease without our permission
      or consent.

                                        5
<PAGE>

      If you fail to sign a renewal lease, or to vacate the Premises, prior to
      the end of the term of this Lease, then you will be a holdover resident
      and we reserve the right to terminate your tenancy pursuant to law. We
      may allow you to continue to occupy the apartment as a MONTH-TO-MONTH
      RESIDENT but we have no obligation to do so. If we permit you to continue
      as a month-to-month resident, you must pay the Community's market rent for
      your apartment at such time as specified by us and a month-to-month
      premium as referenced in Paragraph 6. In such event, this Lease will
      automatically be renewed on a month-to-month basis but WILL REQUIRE SIXTY
      (60) DAYS PRIOR WRITTEN NOTICE BY YOU, OR BY US, FOR TERMINATION. After
      the initial market rent adjustment when you become a month-to-month
      resident (which requires no notice), we reserve the right to increase the
      Rent payable by you as a month-to-month resident under this Lease upon
      sixty (60) days notice to you.

14.   FAILURE TO VACATE AFTER NOTICE. If yon give us notice that you will vacate
      your apartment, pursuant to any provision of this Lease which permits you
      to give us such a notice, but you do not completely vacate prior to the
      date given in your notice, you will be liable for our actual and
      consequential damages, costs and reasonable attorney's fees as permitted
      by statute in connection with your holding-over and with our actions in
      obtaining possession of your apartment as a result of your holding-over to
      the fullest extent to which we are entitled to collect such sums from you
      under applicable law. You agree that consequential damages include
      reasonable expenses we incur in renting your apartment to a new resident.

15.   MOVING OUT. When you vacate your apartment home at the end of your Lease
      term, you must deliver the keys to us. Do not leave the keys in your
      apartment. If you do not deliver the keys to us a the end of your Lease
      term (or notify us in writing that you are unable to do so because your
      keys are lost) then, at our option, this Lease will continue in full force
      and effect until such time as you deliver the keys to us (or so notify us
      in writing). In such event you will continue to be liable to us for the
      payment of Rent and all other obligations under this Lease. As set forth
      in Paragraph 6, if the keys are not returned to us, a charge is due to us.
      Delivery of your keys to us before the end of your Lease term will not
      terminate this Lease.

16.   DISPOSAL OF PROPERTY. If you leave items of personal property on the
      Premises after this Lease has terminated and delivery of possession has
      occurred, or if your apartment appears to have been abandoned, your
      property will be considered abandoned and we may sell or dispose of it in
      any fashion we see fit.

17.   DEFAULT.

      a.    You will be in default under this Lease if:

            (1)   You do not make your payment of Rent, including Other Charges,
                  on time, or

            (2)   You violate or do not comply with any of the terms of this
                  Lease and such violation is not cured by you within 5 days
                  after written notice from us, or

            (3)   You violate or do not comply with any of the rules and
                  regulations, including the Community Policies, of the
                  Community, as amended from time to time, and such violation is
                  not cured by you within 5 days after written notice from us,
                  or

            (4)   You either fail to occupy the apartment or abandon the
                  apartment after occupying it, or

            (5)   You violate your responsibilities as a resident under Federal,
                  state or local law, or

            (6)   You permit unauthorized persons or unauthorized pets to reside
                  at the apartment and you do not cure such violation within 5
                  days after written notice from us.

            Notwithstanding the above, under no circumstances are you entitled
            to any cure period for a default in your monetary obligations under
            this Lease, a violation of law, or criminal activities as defined in
            this Lease.

      b.    Any Rent payment received after legal action has been initiated by
            us may be accepted, with reservation, and will be applied to
            delinquent Rent due but will not affect any legal action instituted
            by us against you to recover delinquent Rent, Other Charges and/or
            and possession of the apartment.

      c.    In the event of your default in the payment of Rent or Other Charges
            we have a lien, in the amount of the unpaid Rent or Other Charges,
            upon all of the goods, wares, fixtures, furniture and other property
            of yours which may at any time during the term of this Lease be
            found on the Premises, and you waive any and all exemptions provided
            by law. Such lien will be enforced in accordance with the laws of
            the state in which the Community is located.

      e.    In the event we commence a Summary Proceeding against you it is
            agreed both by you and by us to waive a trial by jury. Furthermore,
            you agree that you will not interpose my counterclaim or any set-off
            of rent against us and that any claims you may have under the Lease
            will be brought by you in a separate, plenary proceeding.

18.   SURVIVAL UPON DEFAULT. If you do not pay Rent or Other Charges as agreed
      to under this Lease, or you are otherwise in default, and we recover
      possession of the apartment, whether by an eviction proceeding or
      otherwise, you will remain liable for actual damages for the breach of the
      Lease. Actual damages may include, without limitation, a claim for Rent
      that would have accrued through the end of the Lease term or until a new
      tenancy starts under a new lease for the apartment, whichever occurs
      first.

                                        6
<PAGE>

19.   RIGHT OF REENTRY. If at any time you are in default under this Lease, or
      have given us good cause for your eviction pursuant to law, we are
      entitled to reenter the apartment in a manner not constituting a breach of
      the peace. If you continue to occupy the apartment we are entitled to
      proceed by a summary dispossession proceeding, or by any other method
      permitted by law, and to remove all persons from possession of the
      apartment as permitted by law.

20.   OWNER/MANAGER LIABILITY; REQUIREMENT TO PURCHASE RENTER'S INSURANCE.
      Neither the Owner nor we will be liable to you, your family, guests,
      invitees or agents for any damages or losses to person or property caused
      by other residents of the Community or by any other persons. You agree to
      indemnify (reimburse if necessary) and hold Owner and Manager harmless
      against all claims for damages to property or persons arising from your
      use of the Premises, or from any activity, work or thing done, by you or
      by any pet in or about the Premises (including legal fees and court costs
      the we incur). Owner and Manager will not be liable for personal injury or
      damage or loss of your personal property (furniture, jewelry, clothing,
      automobiles, food or medication in the refrigerator, etc.) resulting from
      theft, vandalism, fire, water, rain, snow, ice, earthquakes, storms,
      sewerage, streams, gas, electricity, smoke, explosions, sonic booms, or
      other causes or resulting from any breakage or malfunction of any pipes,
      plumbing fixtures, air conditioner, or appliances, unless it is due to our
      failure to perform, or negligent performance of a duty imposed by law.
      Owner and Manager will not be liable to you for any loss or injury due to
      interruption or curtailment of heat, hot water, air conditioning, or any
      other service furnished to you, except as provided by law. You agree not
      to withhold any Rent or Other Charges, nor will Rent or Other Charges be
      abated, as a result of such interruption or curtailment. You agree not to
      request outside contractors to perform work on your apartment or the
      Community without our written authorization. Insurance coverage maintained
      by Owner or by us does not protect your person or property, whether
      located or stored inside or outside the Premises.

      This agreement by you to indemnify (reimburse if necessary) defend and
      hold Owner and Manager harmless against all claims for damages to property
      or persons arising from your use of the Premises specifically includes,
      but is not limited to, your use of the amenity areas and health
      facilities, if any, at the Community. Except as required by applicable
      law, neither the Owner nor we, nor our affiliates, agents, employees,
      successors or assigns, will be liable for any claims, causes of action or
      damages arising out of personal injury, property damage or loss that may
      be sustained in connection with the amenity areas and health facilities
      either by you or by any persons you allow to use such areas or facilities.
      You, and any person you allow to use such area or facilities, agree to
      assume all risk as to using the facilities and agree that approval from a
      physician, if warranted, has been obtained.

      You acknowledge and agree that neither the Manager nor the Owner has
      purchased insurance coverage for your personal belongings or any personal
      property located in your apartment home or anywhere at the Community or
      for any personal liabilities that may be suffered or incurred by you or
      your family, guests, invitees or any other occupants of or visitors to
      your apartment home. During the term of your Apartment Lease Agreement,
      you agree to purchase and maintain, at your sole cost and expense, a
      comprehensive personal liability policy, or its equivalent, issued by a
      licensed insurance company that you select which provides limits of
      liability of at least $100,000 per occurrence. All policies shall waive
      rights of subrogation against the Owner and Manager. You agree to provide
      a copy of these insurance policies or certificates of insurance evidencing
      these insurance policies in form and content reasonably acceptable to the
      Manager at the time you obtain the policies and on each annual renewal
      date for such insurance policies. You agree to maintain these insurance
      policies during the entire term of your residency at the Community.

      If any of our employees are requested by you to render services such as
      moving automobiles, handling furniture, cleaning, or any other services
      not contemplated in this Lease, such employee will be deemed the agent or
      employee of you (and not of us) regardless of whether payment is made for
      such service; you agree to indemnify (reimburse if necessary) and hold us
      harmless from all losses suffered by you or by any other person in such
      circumstances.

21.   QUIET ENJOYMENT. Subject to the terms of this Lease, Resident may
      reasonably have, hold and enjoy the apartment during the term of this
      Lease.

22.   SECURITY ACKNOWLEDGMENT AND WAIVER. Neither we nor the Owner promise or in
      any way guarantee the safety or security of your person or property
      against the criminal actions of other residents or third parties. The
      responsibility of protecting you, your property, family, guests, agents
      and invitees from acts of crime is the responsibility of yourself and the
      law enforcement agencies.

      We do not warrant or imply that access controls, alarm systems, devices,
      or personnel employed at the Community, if any, will be operable at any
      given point in time or will discourage or prevent breaches of security,
      intrusions, thefts or incidents of violent crime. Further, we reserve the
      right to reduce, modify or eliminate any access controls, alarm system,
      device or personnel (other than those statutorily required) at any time;
      you agree that such action will not be a breach of any obligation or
      warranty on our part.

      You agree to promptly notify us in writing of any problem, malfunction or
      failure of lights, door locks, window latches, controlled access gates, if
      any, intrusion alarms, if any, and any other access control system. You
      acknowledge that you have received no representation or warranties, either
      expressed or implied, as to any security or any access control system on
      the Premises. We have not in any way stated or implied to you that the
      security of any person or property was or is provided or that the Premises
      and/or surrounding neighborhood has been or will be free of crime. You
      agree that neither we nor the Owner will be liable to yon based on any
      claim that security or access control system was not provided. You agree
      to release and hold us and the Owner harmless from claims arising out of
      criminal acts of other residents and third parties. You acknowledge that
      this will be binding on your heirs, successors and assigns.

                                        7
<PAGE>

      Nothing in this Paragraph 22 purports to modify any obligation or duty
      owed by the Owner or by us to you under applicable law.

23.   RULES AND REGULATIONS. You, your family, guests, invitees and agents agree
      to comply with all rules and regulations now or later made by us
      pertaining to the Community. This includes both: (i) the Community
      Policies, which are incorporated by reference into this Lease; and (ii)
      rules and regulations posted at the Community. You agree in obey all laws
      and ordinances applicable to the Premises and agree that you, your family,
      guests, invitees and agents will not be disorderly and will not disturb
      other residents. Should we at any time determine that your tenancy is
      undesirable by reason of breach of any of the covenants contained in this
      Lease or Community Policies, including without limitation any illegal
      conduct on the part of you, your family, guests, invitees, or agents, or
      by any of them causing annoyance to others, then in addition to any other
      rights we may have, we may give you five days' written notice to quit and
      vacate. At the end of the five-day notice period, this Lease will be
      terminated and we will be entitled to the immediate possession of the
      apartment and may reenter the premises and take possession in accordance
      with applicable law.

24.   CRIMINAL ACTIVITIES. Neither you, your family, guests, invitees or agents
      will engage in or facilitate any criminal activity on the Premises
      including but not limited to any violent criminal activity or any
      drug-related criminal activity. "Violent criminal activity" means any
      criminal activity that has as one of its elements the actual or threatened
      use of force against a person or property of another. "Drug-related
      activity" means the illegal manufacture, sale, distribution, use or
      possession of marijuana or any controlled dangerous substance. Violation
      of this provision constitutes material non-compliance with the terms of
      this Lease and is grounds for your eviction.

25.   PETS. Pets are permitted on the Premises in accordance with the Community
      Policies (if the type of pet is not addressed in the Community Policies,
      then with the permission of the Community Manager) and when listed in the
      Summary. If permitted, you must comply with the provisions of Paragraph 6
      regarding payment of the Non-Refundable and other Pet Charges and with the
      Community Policies, including specifically those policies pertaining to
      pets. In addition, as set forth in the Security Deposit Agreement, an
      additional Security Deposit is required for each pet or pets you keep on
      the Premises. You are fully responsible for repairing all damages caused
      to the Premises by your pet, at your cost and, as set forth in the
      Security Deposit Agreement, we are entitled to deduct from the Security
      Deposit the repair costs for all such damage that you fail to repair.

26.   PARKING. We may choose, at our sole election, to assign, parking spaces at
      the Community. If we do so, you and your guests agree to park any motor
      vehicle you own in the space we designate in the Summary or otherwise. You
      are responsible for where your guests park, If you or your guests park any
      motor vehicle in a space or parking lot other than the one we designate,
      we can, at your expense, have the vehicle towed and stored. You will
      occupy your parking space(s) at the Community, whether assigned or not, at
      your own risk. We will not be liable for any loss, damage or injury
      whatsoever to any automobile owned by you, or by any of your guests,
      parked anywhere on the Premises.

27.   STORAGE AREAS. If we provide you a storage area apart from your apartment,
      the following rules apply:

      a.    You will use the storage area at your own risk.

      b.    We will not be liable for any loss or damage to anything you put in
            the storage area.

      c.    We will not be liable for any injury to you or any other person who
            is in the storage area or who is going to or from it.

      d.    You will not store any flammable, hazardous or toxic substances or
            other dangerous materials in the storage area. You will not plug in
            any appliance in the storage area.

      e.    Upon the termination of the Lease if you do not remove all of your
            property from the storage area, it will be considered abandoned and
            we may remove and dispose of the property in any fashion we see fit.

      f.    You will not store or keep any form of animal or pet in any storage
            area.

28.   SATELLITE DISHES. As set forth in the Community Policies, you have a
      limited right to install a satellite dish or receiving antenna within your
      leased space. The Community Policies impose reasonable restrictions
      relating to such installation, and any installation of a satellite dish or
      antenna must comply in full with the Community Policies. Finally, please
      be advised that, where allowed by law, an increase in your Security
      Deposit will be required if you choose to install a satellite dish or
      receiving antenna.

29.   MATERIALS IN THE COMMUNITY. You acknowledge that materials containing or
      emitting potentially health-affecting substances or forms of energy such
      as, for example, electric and magnetic fields, may exist in the Community.
      As additional consideration for Manager and Owner entering into this
      Lease, you, for yourself, your heirs, successors, assigns, agents, guests,
      licensees, invitees and all others claiming by, through or under you, or
      who may live in, occupy or use the apartment, hereby (a) expressly assume
      and accept all risks related to the presence in or near the Community of
      detrimental health-affecting substances or forms of energy; (b) waive all
      claims and causes of action of any kind, at law or in equity, whether
      arising by statute, ordinance, rule, regulation or otherwise against the
      Manager and/or Owner of the Community, their respective agents,
      principals, employees, legal representatives, affiliates, assignees,
      successors, partners, shareholders, officers and directors (together
      called "Manager/Owner Affiliates") with respect to any health hazard
      related to the presence in the Community of materials containing or
      emitting potentially health-affecting substances; and (c) agree to defend,
      indemnify and hold harmless the Manager/Owner Affiliates against all
      claims, causes of action, liabilities, losses, damages and expenses of any
      kind, including but not limited to, attorneys' fees and litigation costs
      at both the trial and appellate levels (to the fullest extent to which we
      are entitled to collect such sums from you under applicable law), that
      Manager/Owner Affiliates may incur by reason of claims asserted against
      them that arise out of or are based upon potentially health-affecting
      substances or forms of energy brought, or allowed to be brought, into the
      Community by you or your guests, or by any other person living in,
      occupying, or using the apartment.

                                        8
<PAGE>

      Nothing in this Paragraph 29 purports to modify any obligation or duty
      owed by the Owner or by us to you under applicable law.

30.   HAZARDOUS MATERIALS. You are not to introduce any hazardous or toxic
      materials onto the Community without (a) first obtaining our written
      consent, and (b) complying, including obtaining permits, with all
      applicable federal, state and local laws or ordinances pertaining to the
      transportation, storage, use or disposal of such materials.

      If your transportation, storage, use or disposal of hazardous or toxic
      materials on the Community results in (a) contamination of the soil or
      surface or ground water, or (b) loss or damage to person(s) or property,
      then you agree to (1) notify us immediately of any contamination, claim of
      contamination, loss or damage, (2) after consultation and approval by US,
      clean up the contamination in full compliance with all applicable
      statutes, regulations and standards, and (3) indemnify, defend and hold us
      harmless from and against any claims, causes of action, costs and fees,
      including attorney's fees (to the fullest extent to which we are entitled
      to collect such sums from you under applicable law), arising from or
      connected with any such contamination, claim of contamination, loss or
      damage. This provision will survive the expiration or termination of this
      Lease.

31.   RIGHT OF ENTRY. We may enter your apartment for any reasonable business
      purpose. We will provide prior notice to you (which may be written or
      verbal) before entering your apartment except: (i) in cases of emergency:
      (ii) when performing work in response to a service request made by you:
      (iii) when your apartment appears to have been abandoned; or (iv) when we
      have good cause to believe the Premises may be damaged or you may be in
      violation of Federal, State or local law. Anytime we are in your
      apartment, for any reason, we will leave a notice indicating that we
      entered your apartment and the reason for doing so. If you have given us
      written notice of your intention to terminate, such notice will be deemed
      to authorize us to show the apartment to prospective residents, purchasers
      or mortgagees during normal business hours, including weekends, without
      further notice to you.

32.   SUBLETTING. Subletting or securing a replacement resident, and any
      assignment of this Lease by you, will be allowed only upon our prior
      written consent. Even if there is a sublet or assignment, you remain fully
      responsible for (and are not released from) the payment of Rent specified
      in this Lease and the performance of all other obligations under the terms
      of this Lease. In case of bond-financed or affordable housing communities,
      an apartment home occupied by a lower-income resident may be subleased,
      and this Lease may be assigned, only where we approve in writing the
      sublessee or assignee as an eligible resident.

33.   NOTICE. Except for notices to you when we enter your apartment (pursuant
      to paragraph 31), we can give you written notice in either of two ways. If
      we give you written notice in either of these two ways, you will be
      considered to have received it, whether you actually received it or not.

      a.    We can mail it, postage prepaid, addressed to you at your apartment;
            or

      b.    We can leave it on or under your apartment door.

      If you desire or are required to give us notice under this Lease, such
      notice must be in writing and may be delivered in one of two ways:

      a.    You can deliver a copy to a Community Manager representative at the
            Community's leasing office during normal business hours; or

      b.    You can deposit the notice in regular U.S. mail.

34.   NO WAIVER.

      a.    You agree to observe all of the terms of this Lease even if one or
            both of the following happens:

            (1)   You did something this Lease said you should not do and we did
                  not object.

            (2)   You did not do something this Lease said you should do and we
                  did not object.

            (3)   Our failure or delay, if any, in demanding items of Rent,
                  including Other Charges, will not be deemed a waiver (that is,
                  we do not relinquish the right to claim and collect such sums
                  from you). We may demand such sums at anytime, including at
                  move-out, or after.

      b.    We can institute an action for possession of the apartment from you
            even if one or both of the following happens:

            (1)   You did something this Lease said you should not do and we did
                  not object.

            (2)   You did not do something this Lease said you should do and we
                  did not object.

      c.    Our rights under this Lease cannot be waived except by a writing
            signed by us.

                                        9
<PAGE>

35.   RESIDENT INFORMATION. You promise that all information you provided to us
      on your rental application or otherwise was given voluntarily and
      knowingly by you and is accurate. If we subsequently discover that any
      information is not accurate, we have the right to terminate this Lease
      upon at least three days' written notice to you. You represent and warrant
      that you are not listed on the list of Specially Designated Nationals and
      Blocked Persons (SDNs) issued by the Office of Foreign Asset Controls
      (OFAC). If you are or become listed on OFAC'S list of SDNs at any time
      during the term of your Lease, this Lease will become null and void. In
      case of bond-financed or affordable housing communities, you further (a)
      certify the accuracy of the statements made in the Income Certification,
      (b) agree that the family income, family composition and other eligibility
      requirements are deemed substantial and material obligations of your
      tenancy, (c) agree that you will comply promptly with all requests for
      information from the Developer, the Trustee, the Authority and any other
      Regulatory Agency, and (d) agree that your failure or refusal to comply
      with a request for information will be a violation of a substantial and
      material obligation of your tenancy. Your failure or refusal to comply
      with these provisions is a material breach of this Lease and gives us the
      right to exercise all available remedies against you, including the right
      to evict you, subject to applicable law.

      You are advised that our standard practice is to disclose information
      contained in our lease files regarding you or this Lease in response to a
      request for information from a law enforcement agency. In addition, you
      are advised that we will release information regarding you or this Lease
      in the following situations:

      (i) where you have agreed in writing to the release of such information,
      (ii) in connection with the filing of negative credit report information,
      as permitted by law, as a result of your failure to pay for amount owing
      hereunder, (iii) where necessary for Owner's or Manager's accountants,
      attorneys or insurers in connection with their business operations, and/or
      (iv) pursuant to subpoena, court order, applicable law or regulation or
      governmental request.

36.   GENERAL. All promises Manager and Owner have made to you are contained in
      this written Lease. No oral agreements have been made. This Lease can only
      be changed by an agreement in writing, signed by both you and by Owner. In
      the event of more than one Resident, each Resident is jointly and
      severally liable for each provision of the Lease. You agree that you are
      of legal age to enter into a binding lease for lodging. Time is of the
      essence of your obligations under this Lease. If permitted by law, you
      waive the right to a jury trial in all legal proceedings relating to your
      use and occupancy of your apartment and you waive the right to
      counterclaim in any summary proceeding we bring.

37.   SUBORDINATION. This Lease, and your rights hereunder, are subordinate to
      all land leases, present and future mortgages or deeds of trust, if any,
      affecting the Premises, We may execute any papers on your behalf as your
      attorney-in-fact to accomplish this if permitted under applicable law.

38.   SUCCESSORS. Owner and each of the Residents are bound by this Lease. All
      parties who lawfully succeed to their rights and responsibilities are also
      bound. If you die, are adjudicated bankrupt or make an assignment for the
      benefit of your creditors, this Lease will, at our option, cease and the
      apartment will be surrendered to us. To the extent permitted under
      applicable law, we reserve the right in such event to reenter and
      repossess with any notice to quit hereby waived by you.

39.   SALE OR CONDEMNATION. Any sale or lease of the Community by foreclosure,
      judicial proceedings or otherwise, will not affect this Lease or any of
      the obligations imposed. You will look solely to the then owner or lessee
      of the Community for the performance of our duties after the date of such
      sale. Your Security Deposit (and Pet Deposit, if applicable) will be given
      to the buyer or lessee. In such event, we will not be responsible for your
      Security Deposit (and Pet Deposit, if applicable), and the buyer will be
      responsible for returning to you the unapplied portion (if any) of your
      Security Deposit (and Pet Deposit, if applicable). If the whole or any
      part of the Premises is taken by condemnation or under the power of
      eminent domain, this Lease will automatically terminate on the date you
      are required to surrender possession to the condemning authority and you
      will not be entitled to any portion of the proceeds or award of
      condemnation.

40.   SEVERABILITY. If a provision or paragraph of this Lease is legally
      invalid, or declared by a court to be unenforceable, such provision or
      paragraph will be deemed deleted, and the rest of this Lease remains in
      effect. To the extent that any provision of this Lease is in conflict with
      any provisions of applicable law, such provision is hereby deleted, and
      any provision required by applicable law which is not included in this
      Lease is hereby inserted as an additional provision of this Lease, but
      only to the extent required by applicable law and then only so long as the
      provision of the applicable law is not repealed or held invalid by a court
      of competent jurisdiction.

41.   COUNTERPART. This Lease is executed in a counterpart (exact copy), with
      the copy to be furnished to you and the original to be retained by us. You
      acknowledge that you have read and understand this Lease, including the
      Summary, and its provisions.

42.   MILITARY TRANSFER. In the event you are or become a member of the Armed
      Forces on extended active duty, a member of the state National Guard
      serving on full-time duty, or a civil service technician with a National
      Guard unit, and receive change-of-duty orders to depart the "local area,"
      or are relieved from such duty, you may terminate this Lease by giving
      thirty (30) days prior written notice to us, provided you are not
      otherwise in default. As a condition to such termination, you will furnish
      us with a certified copy of the official orders which warrant termination
      of this Lease. Military orders authorizing base housing in the local area
      in which the Community is located do not constitute change-of-duty
      hereunder. Your Security Deposit will be refunded provided that the
      conditions of the Security Deposit Agreement are fulfilled.

                                       10
<PAGE>

43.   LIABILITY FOR TERMINATION PRIOR TO LEASE BEGIN DATE. You acknowledge that
      by signing this Lease, you have committed to pay Rent and Other Charges
      through the Lease End Date. This means that if you vacate your apartment
      home prior to the Lease End Date, you may remain liable for all of your
      obligations under this Lease, subject to our duty to take reasonable
      actions to rent your apartment to another resident. However, if, for any
      reason, you are unable to occupy your apartment home after you have signed
      this Lease but before the Lease Begin Date, you have the right to make us
      an offer to terminate this Lease (whether this is your initial Lease or a
      renewal Lease with us) by sending us a written notice offer prior to the
      Lease Begin Date that is accompanied by the "Early Termination Charge"
      then in effect at the Community. The Early Termination Charge is an amount
      that we set and change from time to time in our sole discretion, which is
      available upon request from the Community. You agree that if you make an
      effective offer, we will have one week to decide whether to accept or
      reject your offer, which decision we may make in our sole discretion. You
      agree that such Early Termination Charge will be retained by us as
      consideration for our having taking off the market and reserved the
      apartment home for you from the date you sign this Lease Agreement until
      the date we receive the written notice and termination payment from you.
      If we accept your written offer and Early Termination Charge, your
      obligations under this Lease will terminate effective as of the date we
      receive such written notice and the termination payment, and we will
      refund your Security Deposit and, if applicable, Pet Deposit pursuant to
      the terms of the Security Deposit Agreement. We will not refund any other
      charges.

44.   MOVE-IN GUARANTEE. We are committed to your enjoyment of your new
      apartment and your new community. If, for any reason, you are unhappy with
      your apartment home during the first thirty (30) days of residency (from
      the date you first move into the Community or the Lease Begin Date,
      whichever occurs first), and wish to move, please notify us. You must
      provide thirty-days prior written notice to us of your intent to vacate,
      and you must vacate your apartment home prior to the end of such
      thirty-day notice period. You must also pay Rent from the Lease Begin Date
      through the end of the thirty-day notice period or until you vacate the
      apartment, whichever is later (the "Termination Date"). If you provide
      written notice and pay Rent as required, your obligations under this Lease
      will terminate on the Termination Date and we will refund your Security
      Deposit and, if applicable, Pet Deposit (less any damages or Rent you owe)
      pursuant to the terms of the Security Deposit Agreement. We will also
      refund the common area/amenity charge and the one-time non-refundable pet
      charge that was paid. We will not refund any other charges. This Move-In
      Guarantee does not apply to any lease renewal or to anyone that has
      previously rented an apartment in the Community.

RESIDENT(S):

/s/ Jason Bishara        1/28/06                  Jason Bishara
--------------------------------------    --------------------------------------
Signature                       Date              Print Name

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Signature                       Date              Print Name

--------------------------------------    --------------------------------------
Signature                       Date              Print Name

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Signature                       Date              Print Name

--------------------------------------    --------------------------------------
Signature                       Date              Print Name

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Signature                       Date              Print Name

By separate Agreement the undersigned have agreed to be guarantors of this Lease
and any renewal or holdover of this Lease.

--------------------------------------    --------------------------------------
Signature                       Date              Print Name

--------------------------------------    --------------------------------------
Signature                       Date              Print Name

AVALONBAY COMMUNITIES, INC.,
MANAGER, AS AGENT FOR OWNER

By:
    -----------------------------------------
                                      DATE

                                       11EXHIBIT 10.1
------------

                           ASSIGNMENT AND BILL OF SALE

         This Assignment and Bill of Sale is made and entered into this ____ day
of December,  2006 (the "Effective Date"), by and between TRANS ENERGY,  INC., a
Nevada  corporation,  having an address of 210 2nd Street,  Post Office Box 393,
St.  Marys,  West  Virginia  26170  ("Assignor"),   and  LEATHERWOOD,   INC.,  a
Pennsylvania corporation, having an address of 1800 Washington Road, Pittsburgh,
Pennsylvania 15241 ("Assignee").

         WHEREAS,  Assignor is the present owner of six (6) oil and/or gas wells
lying, being and situate in Mannington  District,  Marion County, West Virginia,
being more  particularly  described  and  designated  as follows (the  "Assigned
Wells"):
                  Name                               API No.
                  ----                               -------

                  O. N. Koen No.                     1 47-049-01022
                  Moffett No.                        1 47-049-01024 Simon
                  Moore No. 3                        No API # (Plugged)
                  Simon Moore No.                    1 47-049-00064 (Plugged)
                  Simon Moore No.                    2 47-049-00124
                  W. T. Morris No.                   2 47-049-01023

         WHEREAS, Assignor acquired the Assigned Wells by virtue of that certain
Assignment and Bill of Sale from George  Hillyer,  Trustee of Texas Energy Trust
Company,  BOK  Operating,  and Prima Oil Company,  Inc., as assignors,  to Trans
Energy, Inc., as assignee,  dated August 14, 2006 and of record in the Office of
the Clerk of the County Commission of Marion County, West Virginia in Assignment
Book 30, page 165;

         WHEREAS,  the Assigned  Wells are located upon,  within and under those
certain oil and gas leases  covering  property in  Mannington  District,  Marion
County, West Virginia, and being particularly described and set forth as follows
(collectively, the "Leases"):

                  a.       Lease between O. N. Koen, et al., as lessors,  and R.
                           S.  Monroe,  as lessee,  dated  August 1, 1925 and of
                           record  in the  Office  of the  Clerk  of the  County
                           Commission  in Marion  County,  West Virginia in Deed
                           Book 270, page 583;

<PAGE>

                  b.       Lease between Joseph L. Tennant, Executor of the Will
                           of Zimary Tennant, et al., as lessors,  and Robert S.
                           Monroe, as lessee,  dated April 1, 1928 and of record
                           in the  aforesaid  Clerk's  Office  in Deed Book 296,
                           page 64;

                  c.       Oil  and  Gas  Lease  and  Assignment  between  R. A.
                           Moffett, et al., as lessors,  and W. W. Laughlin,  as
                           lessee,  dated September 1, 1926 and of record in the
                           aforesaid  Clerk's  Office in Deed Book 287, page 39;
                           and

                  d.       Lease between  Rosetta M. Moore,  et al., as lessors,
                           and R. S. Monroe, as lessee,  dated July 15, 1936 and
                           of record  in the  aforesaid  Clerk's  Office in Deed
                           Book 327, page 161.

         WHEREAS,  Assignee  desires  to obtain  ownership  and  control  of the
Assigned  Wells in order to either  produce and/or plug and abandon the Assigned
Wells,  and  Assignor  has  agreed  to assign  and  convey  to  Assignee  all of
Assignor's  right,  title and  interest  in and to the  Assigned  Wells for said
purposes including,  but not limited to, the well bores,  casing,  rods, valves,
well head fittings and other  appurtenant  well equipment and well fixtures,  if
any,  together  with  any  and  all  appurtenances  thereto  including,  without
limitation, an absolute, non-exclusive easement or right of way across the lands
of the Assignor for the purposes of ingress,  egress and regress to and from the
Assigned Wells.

         NOW, THEREFORE,  in consideration of Ten and no/100 ($10.00) Dollars in
hand paid, together with other good and valuable  consideration,  the receipt of
which is hereby acknowledged, the parties agree as follows:

         1.   Conveyance and Assignment.
              -------------------------

                  (a)    Assignor does hereby sell, assign, transfer,  set over,
grant and convey to Assignee all of Assignor's  right,  record title,  operating
rights and interest in and to:

                         (i)  All  of  Assignor's  undivided  right,  title  and
interest  in  and to the  Assigned  Wells  including,  without  limitation,  the
absolute right to produce, operate,  maintain, repair, replace, abandon and plug

                                      -2-
<PAGE>

said Assigned Wells,  together with the well bores,  casing,  rods, valves, well
head fittings, gathering and distribution pipelines and other fixtures connected
to or associated with the Assigned Wells,  and other  appurtenant well equipment
and well  fixtures  located  thereon.

                         (ii) To the extent  Assignor  may  lawfully  assign and
convey the same and to the  extent  relating  directly  and  exclusively  to the
Assigned Wells,  all of Assignor's  undivided  interest in and to all documents,
contracts and agreements relating to the Assigned Wells.

                         (iii) All of  Assignor's  undivided  interest in and to
all of the real,  personal and mixed  property  (including  well bores,  casing,
rods,  valves,  well head fittings and other appurtenant well equipment and well
fixtures located thereon) and all other fixtures and improvements appurtenant to
the Assigned Wells or used in connection therewith.

                         (iv)  All  of  Assignor's  interest  in  all  operating
rights, permits, franchises, easements, rights-of-way,  surface rights, contract
rights  under   warranties   made  by  prior  owners  of  the  Assigned   Wells,
manufactures,  vendors and other third parties, rights accruing under applicable
statues of limitations and other rights,  estates and hereditaments  incident or
relating  to  the  Assigned  Wells.

                  (b)      Items  (i)  through   (iv)  above  are   collectively
referred  to herein  as the  "Property").

          2.      Fixtures. At any time after the Effective Date, Assignee shall
have the right to  utilize  or remove or  otherwise  affect  any  gathering  and
distribution  pipelines and other fixtures  connected to or associated  with the
Assigned  Wells to the extent that Assignee  deems such activity to be necessary
to accomplish the operating or plugging of the Assigned Well.

                                      -3-
<PAGE>

          3.      Representations  and Warranties of Assignor.  Assignor  hereby
represents to Assignee,  its  successors  and assigns,  that as of the Effective
Date:

                  (a) Assignor is the current  owner of the  Assigned  Wells and
has the absolute right to abandon and plug the Assigned Wells,  and is currently
owns and possesses the lessee's interest in and under the Leases, free and clear
of any liens and  encumbrances  other than those monetary liens and encumbrances
being satisfied at closing; provided, however, that Assignee hereby acknowledges
and agrees that the lien  evidenced by that Deed of Trust,  Security  Agreement,
Financing  Statement and Assignment of Production from Energy Capital Resources,
Inc. to Robert Fluharty and Gerald W. Townsend,  Trustees,  dated April 17, 1991
and of record in the  Office of the  Clerk of the  County  Commission  in Marion
County,  West Virginia in Trust Deed Book 574, page 642,  securing Opman Holding
Limited,  in the original  principal amount of  (pound)500,000  pounds sterling,
said Deed of Trust,  Security  Agreement,  Financing Statement and Assignment of
Production having been assigned by Opman Holding Limited unto Emerald Energy Plc
by  Assignment  from Opman Holding  Limited to Emerald  Energy Plc by Assignment
dated May 31, 1994 and of record in the aforesaid  Clerk's  Office in Assignment
Book 15, at page 197, will not be satisfied or released at closing; and,

                  (b)  Assignor  is the  owner and  party in  possession  of all
easements and right of ways appurtenant to the Leases; and,

                  (d) To  Assignor's  knowledge,  the  payments of the  rentals,
royalties  and all other  monetary  obligations  contained in or required by the
Leases are current and complete; and,

                  (e) The Leases are  currently in full force and effect and the
Assignor has the right to transfer the Assigned Wells unto Assignee; and,

                                      -4-
<PAGE>

                  (f) No lawsuit,  action or other proceeding is pending,  or to
Assignor's  knowledge  threatened,   before  any  court,  arbitration  panel  or
governmental  agency that relates to the Assigned  Wells or the Leases and based
upon omissions, events or occurrences prior to the Effective Date.

                  (g) No  third  party  consent  or  approval  is  required  for
Assignor's execution of this Assignment and transfer of the Assigned Wells;

                  (h)  There  are  no   violations   pending  or  threatened  in
connection  with any of the  Assigned  Wells or the Leases,  and the same are in
full  compliance  with all applicable  laws,  rules,  regulations,  injunctions,
decrees and orders  including,  but not limited to,  laws,  rules,  regulations,
decrees,  and  orders  of  the  Office  of  Oil  and  Gas  of  the  Division  of
Environmental  Protection of the State of West Virginia and of the Environmental
Protection Agency of the United States of America.

                  (i) Assignor is a corporation  duly  incorporated  and validly
existing  under  the laws of the  State of  Nevada,  which  is  qualified  to do
business and in good  standing  under the laws of the State of West Virginia and
every  other  jurisdiction  in which it  operates,  and which has full power and
authority to enter into and perform this Assignment according to its terms.

                  (j) Assignor  has full right and has  obtained  all  requisite
authority to enter into this Assignment,  which is enforceable  according to its
terms.

                  (k) This  Assignment  does not  violate or  conflict  with any
agreement,  law, rule,  regulation  charter or instrument  governing  Assignor's
organization,  management or business affairs including, without limitation, its
Articles of Incorporation or Bylaws.

                                      -5-
<PAGE>

         4.       Covenants of Assignor.  Prior to the Effective Date,  Assignor
covenants  and agrees to:

                  (a) endeavor in good faith  (subject to  emergency  situations
which may occur) to keep the Leases in full force and effect by  performing  all
express   covenants  and  duties  and  to  operate  in  a  diligent  fashion  in
substantially  the same manner as it has  heretofore,  under and pursuant to the
subject  Leases,  including  but not  limited to the  payment of all rentals and
royalties,  the  supplying  of all  free  gas,  if  applicable,  continuing  the
production  of the Assigned  Wells,  and carrying out all other  reasonable  and
practical duties pertaining to the Assigned Wells; and,

                  (b)  repair,  maintain  and operate  the  Assigned  Wells in a
diligent fashion in substantially the same manner as it has heretofore; and, (c)
do such other and  further  acts,  and  execute,  and  re-execute  such other or
further  instruments,  documents,  and other writings necessary or convenient to
effect the transfer contemplated hereby; and,

                  (d) be solely  responsible for and pay all taxes and royalties
for the period prior to the date of this Assignment.

         5.  Assumption.  As of the Effective  Date,  Assignee  shall assume all
obligations  and  liabilities  relating to the  ownership  and  operation of the
Property,   including,   but  not  limited  to,  the  following  obligations  or
responsibilities:

                  (a) to plug and abandon and remove and dispose of the Assigned
Wells and the other equipment now or hereafter related thereto; and,

                                      -6-
<PAGE>
                  (b)  to  dispose  of  all  pollutants,  wastes,  materials  or
substances now or hereafter situated on or near the Assigned Wells; and,

                  (c) to assume all other  costs,  obligations  and  liabilities
that  relate  to the  Assigned  Wells  and that  arise  from or relate to events
occurring or conditions existing on or after the Effective Date; and,

                  (d) to any and all  royalty  payments  due or which may become
due under the Leases; and,

                  (e) to  administer  any and all  free  gas  users  that may be
connected to the Assigned  Wells and to notify any of the said free gas users of
any intended plugging activity of the Assigned Wells  sufficiently in advance of
such activity; and,

                  (f) to produce and operate the Assigned  Wells pursuant to the
terms and conditions of the Leases; and,

                  (g) to comply with any federal,  state, or local laws,  rules,
orders and regulations  applicable to any waste material or hazardous substances
on or included  with any of the  Assigned  Wells or to the  presence,  disposal,
release or threatened release of waste material or hazardous  substance from the
Assigned  Wells into the  atmosphere or into or upon land or any water course or
body of water including ground water; and,

                  (h) to undertake any voluntary  environmental  response action
undertaken pursuant to the Comprehensive Environmental Response Compensation and
Liability Act (CERCLA) or any other federal, state or local environmental law.

                                      -7-
<PAGE>

         6. Purchase  Price.  Upon receipt of a fully executed  original of this
Assignment, Assignee will pay to the order of Assignor, in cash, certified check
or  other  immediately  available  funds,  the  sum of Six  Hundred  Sixty-Seven
Thousand Dollars and No Cents ($667,000.00) (the "Purchase Price").

         7.  Condition of the  Property.  Assignee  hereby  accepts the Property
solely on the basis of its own  investigation  of the physical  condition of the
Property including,  without limitation,  surface and subsurface condition;  and
Assignee  accepts all of the same in their "as is, where is" condition  with all
faults;  all  equipment  and other  personal  property  forming  any part of the
Property  is hereby  transferred  subject  to normal  wear and tear and  without
warranties of any kind whatsoever,  whether  expressed or implied,  and are sold
"as  is  and  with  all  faults  and  defects"  and  "with  no  warranty  as  to
merchantability, fitness or suitability for any particular purpose."

         8. Right to Drill New Oil and Gas Wells.

                  (a)  For a  period  of one  year  after  the  Effective  Date,
Assignor  shall have the right to permit and drill one or more oil and gas wells
located on the Simon Moore Lease (Deed Book 327,  page 161) and the W. T. Morris
Lease  (Deed  Book  296,  page 64) in the  location(s)  previously  approved  by
Assignee,  such locations being more particularly identified as within the green
cross-hatched  area set forth on  Exhibit A  attached  hereto  and  incorporated
herein by this reference.

                  (b)  In  addition,  Assignor,  at  Assignor's  sole  cost  and
expense,  shall be permitted to spud a new Gob Well on the aforementioned  Simon
Moore Lease and the W. T.  Morris  Lease so long as (i) such Gob Well is located
behind the  then-current  mine panel,  (iii) the  mine-through  by Consol Energy
Inc., a Delaware  corporation,  or any of its subsidiaries,  or their respective
successors and assigns (collectively, "Consol"), has been completed for a period
of at least six (6) months (such that subsidence is deemed to be completed), and
(iii) such Gob Well will not interfere with or adversely  impact Consol's future
coal  mining  operations  or  result  in  Consol  sustaining  or  incurring  any

                                      -8-
<PAGE>

significant financial cost or expense.  Notwithstanding any of the foregoing, in
no event shall  Assignor be held  responsible  for,  or incur any  liability  or
obligation  whatsoever  related  to,  any  governmental  agency's  objection  or
prohibition to the spudding of a new Gob Well.

                  (c) As used herein,  the term "Gob" shall mean the de-stressed
zone  associated  with any full seam  extraction  of coal that extends above and
below the mined out coal seam,  and may be sealed or unsealed  and the term "Gob
Well" shall mean any oil and gas well  drilled  after  mining for the purpose of
extracting oil and/or gas from the Gob.

         9. Binding Effect. Further, the terms, covenants, and conditions hereof
shall be binding  upon and shall  inure to the benefit of the  Assignor  and the
Assignee and their respective successors and assigns, and such terms, covenants,
and  conditions  are  effective as stated,  shall be covenants  running with the
lands and the  leasehold  estates  herein  assigned  and with each  transfer  or
assignment  of said  lands and  leasehold  estates,  whether  or not the  terms,
covenants,  and  conditions  are  memorialized  in future  assignments  or other
instruments.

         10.  Compliance with Laws.  Assignee will comply with all rules,  laws,
regulations  and statutes  applicable to Assignee's  ownership and operations of
the Property.

         11.  Counterparts.  This  Assignment  may be  executed in any number of
counterparts and each counterpart shall be deemed to be an original  instrument,
but all counterparts shall constitute but one Assignment.

                                      -9-
<PAGE>

         TO HAVE AND TO HOLD the Property  unto  Assignee,  its  successors  and
assigns, subject to the terms, covenants, and conditions hereinabove set forth.

         IN WITNESS WHEREOF, the Assignor has executed this Assignment effective
as of the Effective Date above written, intending to be legally bound hereby.

                                        ASSIGNOR:
                                        TRANS ENERGY, INC.,
                                        a Nevada corporation

                                        By:      _____________________________
                                        Name:    _____________________________
                                        Title:   _____________________________

STATE OF WEST VIRGINIA                      )
                                            ) SS:
COUNTY OF ____________________________      )

                  On this ____ day of December, 2006, before me, the undersigned
officer,     personally     appeared      ____________________________,      the
________________of  TRANS ENERGY,  INC., a Nevada corporation,  acting in his or
her  capacity as such  officer,  and being  authorized  to do so,  executed  the
foregoing instrument on behalf of said corporation.

                                            ------------------------------------
                                              Notary Public

                  My commission expires:  ___________________.

                                      -10-
<PAGE>

         IN WITNESS WHEREOF, the Assignee has executed this Assignment effective
as of the Effective Date above written, intending to be legally bound hereby.

                                                     ASSIGNEE:
LEATHERWOOD, INC.,
Pennsylvania corporation

                                            By:      ___________________________
                                            Name:    ___________________________
                                            Title:   ___________________________

COMMONWEALTH OF PENNSYLVANIA        )
                                    ) SS:
COUNTY OF ALLEGHENY                 )

                  On this ____ day of December, 2006, before me, the undersigned
officer, personally appeared _____________________________, the ______________of
LEATHERWOOD, INC., a Pennsylvania corporation,  acting in his or her capacity as
such officer,  and being authorized to do so, executed the foregoing  instrument
on behalf of said corporation.

                  IN WITNESS  WHEREOF,  I have hereunto set my hand and official
seal.

                  My commission expires:  ___________________.

                  ------------------------------------
                   Notary Public

This document prepared by:

Robert W. Dinsmore, Esq.
Bowles Rice McDavid Graff & Love PLLC
7000 Hampton Center, Suite K
Morgantown, WV 26505-1720
(304) 285-2500
RWD/csw

                                      -11-

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