Document:

exhibit103consenttosuble

                                                      Lakefront 15 (fka Building 74)                                 CONSENT TO SUBLEASE          THIS CONSENT TO SUBLEASE ("Consent"), dated as of ____________,June 3  2019, is by and   among HOME POINT FINANCIAL CORPORATION, a New Jersey corporation ("Tenant"),   EHEALTHINSURANCE  SERVICES,  INC.,  a  Delaware  corporation  ("Subtenant"),  and   PRECEDENT  LAKESIDE  ACQUISITIONS,  LLC,  a  Delaware  limited  liability  company   ("Landlord"), Landlord having an address at c/o Rubenstein Partners, Cira Centre, 2929 Arch Street,   28th Floor, Philadelphia, Pennsylvania 19104-2868, Attention: David B. Rubenstein and R. Bruce   Balderson, Jr.                                     Background          A.  Landlord (as successor-in-interest to Precedent Co-Investor, LLC, a Delaware limited   liability company, as successor-in-interest to PP Indianapolis IV Project Corporation, a Delaware   corporation) and Tenant (as successor-in-interest to Stonegate Mortgage Corporation, an Ohio   corporation) are parties to that certain Lease Agreement dated May 24, 2011 (the "Original Lease"),   as amended by that certain Lease Addendum dated May 21, 2012 (the "First Addendum"), as further   amended by that certain Lease Addendum II dated July 2, 2012 (the "Second Addendum"), as   further amended by that certain Lease Addendum III dated March 1, 2013 (the "Third Addendum"),   as  further  amended  by  that  certain  Lease  Addendum  IV  dated  March  1,  2013  (the  "Fourth   Addendum"), and as further amended by that certain Fifth Amendment to Lease dated September 7,   2016 (the "Fifth Amendment", and collectively with the Original Lease, the First Addendum, the   Second Addendum, the Third Addendum and the Fourth Addendum, the "Prime Lease") respecting   certain premises ("Premises") in the building known as Lakefront 15 (and formerly known as   Building 74) located at 9190 Priority Way West Drive, Indianapolis, Indiana 46240, in the office  park commonly known as of the date of this Lease as Lakefront at Keystone (and formerly known as   Precedent Office Park) (the "Park").          B.  Tenant  and  Subtenant  wish  to  enter  into  a  certain  sublease  (the  "Sublease")  dated  _____________________,June 3  2019, respecting the portion of the Premises described therein as Suite   200 and Suite 300 in the Building (the "Sublease Premises").          C.  The Prime Lease provides that Tenant may not enter into any sublease without Landlord's  prior written approval.         D.  Tenant and Subtenant have herewith presented the fully-executed Sublease to Landlord  for Landlord's approval, and Landlord is willing to approve the same, upon and subject to all of the  terms and conditions contained herein.         E.  Landlord  and  Subtenant  are  contemplating  the  execution  of  a  certain  Office  Lease  concurrently herewith (the "Direct Lease"), by which Subtenant leases all space in the Building from  Landlord including the Sublease Premises commencing immediately after the expiration of the  Prime Lease and the Sublease.                                          1        

 

                                                 Lakefront 15 (fka Building 74)                                    Agreement         NOW, THEREFORE, in consideration of the mutual promises contained herein and for other  good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, and  intending to be legally bound, the parties hereto agree as follows:         1.   No Rights Against Landlord .  None of the Prime Lease or the Sublease shall be  deemed to grant Subtenant any rights whatsoever against Landlord.  Subtenant hereby acknowledges  and agrees that its sole remedy for any alleged or actual breach of Subtenant's rights in connection  with  the  Sublease  Premises  and/or  under  the  Sublease  shall  be  solely  against  Tenant.  Notwithstanding  the  foregoing,  Subtenant’s  continued  occupancy  of  the  Sublease  Premises  following October 31, 2022 shall be solely pursuant to the Direct Lease and shall not constitute  occupancy under the Prime Lease or the Sublease or an extension of the Prime Lease or the  Sublease.         2.   No Release .  This Consent shall not release Tenant from any existing or future duty,  obligation or liability to Landlord pursuant to the Prime Lease, nor shall this Consent change,  modify or amend the Prime Lease in any manner except as expressly provided in this Paragraph and  Paragraph 7 below.  This Consent shall not be deemed to be a consent to any further sublease(s).   Tenant and Subtenant acknowledge and agree that no dealings, relations or interaction between  Landlord and Subtenant (including, without limitation, Landlord's acceptance of any monies from  Subtenant; Landlord's submission of bills or invoices to Subtenant other than as expressly provided  below and by Sections  7 and 8 hereto; or Landlord's direct communication with Subtenant), shall  release Tenant from any existing or future duty, obligation or liability to Landlord pursuant to the  Prime Lease, or modify or amend the Prime Lease in any manner.  Notwithstanding the foregoing, to  the extent Subtenant and Landlord agree to any material modification of the Sublease Premises or  additional materials or services to be provided to or for the benefit of the Subleased Premises,  Tenant shall have no liability therefor and shall be released from any related obligation or liability  thereto and Subtenant hereby agrees to indemnify, defend, protect and hold harmless Tenant from,  all losses, damages, liabilities, claims, attorneys’ fees, costs and expenses arising from any such  material modification or additional materials or services.         3.   Representation  and  Warranty .   Tenant  and  Subtenant  represent,  warrant  and  covenant to Landlord that (i) a true, correct and complete copy of the Sublease is attached hereto as  Exhibit "A" and (ii) the Sublease constitutes the entire and only agreement between Tenant and  Subtenant relating to Subtenant's use of the Sublease Premises.         4.   Prime Lease Termination; Nondisturbance and Attornment .         (A)  In the event of Prime Lease Termination (as hereinafter defined) prior to the termination  of the Sublease, the parties agree that, notwithstanding anything to the contrary in the Sublease, (i)  the  Sublease  shall  remain  in  full  force  and  effect for  the  full  term  of  the  Sublease,  and  notwithstanding any termination of the Prime Lease, Subtenant shall continue to be obligated to  perform all of its covenants under the Sublease as if the Prime Lease had not been terminated, (ii)                                     2      

 

                                                 Lakefront 15 (fka Building 74)    Subtenant's tenancy and right to possession of the Sublease Premises under and pursuant to the terms  of the Sublease shall continue undisturbed by Landlord or its successors and assigns, and (iii)  Subtenant shall attorn to Landlord and shall recognize Landlord as Subtenant's landlord under the  Sublease, as if the Sublease were a direct lease between Landlord and Subtenant, except that  Landlord shall not be bound by any provision of the Sublease which in any way increases Landlord's  duties, obligations or liabilities to Subtenant beyond those owed to Tenant under the Prime Lease.   In the event of Prime Lease Termination, Subtenant agrees to execute and deliver at any time and  from time to time, upon request of Landlord, any instruments which Landlord deems necessary or  appropriate to evidence such attornment; Tenant shall immediately pay or transfer to Landlord any  security deposit, rent or other sums then held by Tenant under the Sublease; and Landlord shall not  (w) be liable to Subtenant for any act, omission or breach of the Sublease by Tenant, (x) be subject  to any offsets or defenses which Subtenant might have against Tenant, (y) be bound by any rent or  additional rent which Subtenant might have paid in advance to Tenant, or (z) be bound to honor any  rights of Subtenant in any security deposit made with Tenant except to the extent Tenant has turned  over such security deposit to Landlord. Notwithstanding anything in this Consent or the Direct Lease  to the contrary, if, during the remaining term of the Prime Lease, Landlord exercises its rights to  terminate the Prime Lease due to a casualty or condemnation or Subtenant exercises its rights to  terminate the Sublease due to a casualty or condemnation, then the Direct Lease will terminate  concurrently  with  any  such  termination  of  the  Prime  Lease  or  the  Sublease.   In  addition,  notwithstanding anything to the contrary in the Sublease, Subtenant agrees that its right to terminate  the Sublease pursuant to the provisions of Section 10.1 of the Prime Lease, as incorporated into the  Sublease, is hereby modified to delete the reference to “nine (9) months” in the fourth sentence of  Section 10.1 of the Prime Lease, as incorporated into the Sublease, and replace such reference with  “365 days”.         (B)  "Prime Lease Termination" means any event which, by voluntary or involuntary act or  by merger of interests or operation of law, might cause or permit the Tenant's right to possession of  the  Sublease  Premises  to  be  terminated  and/or  the  Prime  Lease  to  be  terminated,  canceled,  foreclosed against, or otherwise come to an end prior to its expiration date, including, but not limited  to (1) a default by Tenant under the Prime Lease; (2) foreclosure proceedings brought by the holder  of any mortgage or trust deed to which the Prime Lease is subject; (3) the termination of Tenant's  leasehold estate by dispossession proceeding or otherwise or (4) mutual agreement of Landlord and  Tenant; provided, however, that “Prime Lease Termination” excludes the termination of the Prime  Lease due to casualty or condemnation in accordance with the terms and conditions of the Prime  Lease.         (C)  Landlord's liability shall be limited to matters arising during Landlord's ownership of the  Building, and in the event that Landlord (or any successor owner) shall convey or dispose of the  Building to another party, such party shall thereupon be and become "Landlord" hereunder and shall  be deemed to have fully assumed and be liable for all obligations under this Consent or the Sublease  to be performed by Landlord which first arise after the date of conveyance, including the return of  any security deposit, and Tenant shall attorn to such other party, and Landlord (or such successor  owner)  shall,  from  and  after  the  date  of  conveyance,  be  free  of  all  liabilities  and  obligations                                      3      

 

                                                 Lakefront 15 (fka Building 74)    hereunder not then incurred.  The liability of Landlord to Subtenant for any default by Landlord  under this Consent or the Sublease after such attornment, or arising in connection with Landlord's  operation, management, leasing, repair, renovation, alteration, or any other matter relating to the  Building or the Sublease Premises, shall be limited to the interest of Landlord in the Building (and  proceeds thereof); and notwithstanding anything in this Consent, either expressed or implied, to the  contrary, each of Tenant and Subtenant acknowledges and agrees that no personal liability or  personal responsibility is assumed by, nor shall at any time be asserted or enforceable against,  Landlord, any partner of Landlord, any parent, subsidiary or affiliate of Landlord, or any of their  respective heirs, personal representatives, successors, assigns, officers, members or employees, on  account of this Consent or on account of any covenant, undertaking or agreement of Landlord in this  Consent and/or the Prime Lease contained, all such personal liability and personal responsibility, if  any, being expressly waived and released by Tenant and Subtenant.         (D)  Upon a Prime Lease Termination and attornment described in Section 4(A) above (an  "Attornment"), Subtenant agrees to pay to Landlord fifty percent (50%) of the Make-Whole Amount  within thirty (30) days after receipt of a written invoice  together  with  reasonable  appropriate  supporting documentation evidencing the amount of such invoice.  As used herein in this paragraph,  the term "Make-Whole Amount" means an amount equal to the difference between (i) the Rent paid  by Subtenant under the Sublease from and after an Attornment through the expiration of the term of  the Sublease (i.e., October 31, 2022),  and (ii) the portion of the following items that is attributable  to the Sublease Premises and remains unpaid after Landlord has exhausted commercially reasonable  efforts to collect any applicable amounts from Tenant (through the commencement and prosecution  of a lawsuit or other legal action against Tenant, as appropriate and permitted under applicable law  and the Prime Lease), calculated from and after an Attornment through the expiration of the term of  the Sublease: (y) the Monthly Rental Installments (as defined in the Prime Lease), and (z) any  Additional  Rent  (as  defined  in  the  Prime  Lease)  payable  with  respect  to  Building  Operating  Expenses (as defined in the Prime Lease), Real Estate Taxes (as defined in the Prime lease) and the  consumption of utilities and services under the Prime Lease. Landlord will be deemed to have  exhausted commercially reasonable efforts to collect such amounts from Tenant when it has pursued  a claim against Tenant to judgment and has initiated  proceedings  supplemental  to  collect  the  judgment. Notwithstanding the foregoing, in the event that a bankruptcy is filed by or against  Tenant, Landlord shall have no further obligation to pursue efforts to collect such amounts from  Tenant. This subsection 4(D) shall survive the expiration or any earlier termination of the Sublease.         5.   Performance of Sublease .  On receipt by Subtenant of written notice from Landlord  that the rights of Tenant under the Prime Lease have been terminated and/or that Landlord has  succeeded to the interest of Tenant under the Prime Lease, and that Subtenant shall pay all rents  owing under the Sublease to or as directed by Landlord, Tenant hereby:  (a) authorizes and directs  Subtenant to thereafter pay all rent and render all performance under the Sublease to or at the  direction of Landlord; and (b) agrees to defend, indemnify and hold Subtenant harmless from all  claims, demands, losses or liabilities asserted by, through or under Tenant for all payments made and  performance rendered by Subtenant to Landlord.  On receipt of such notice, subject to all rights of  the Subtenant under the Sublease or at law or in equity, Subtenant agrees to thereafter pay rent and                                      4      

 

                                                 Lakefront 15 (fka Building 74)    render performance under the Sublease to or at the direction of Landlord, subject to the provisions of  this Consent.  Such payment and performance will continue until Landlord otherwise directs the  Subtenant in writing.         6.   Agreement  Regarding  Subtenant  Default . Tenant and Subtenant agree that if  Subtenant defaults under the Sublease and Tenant intends to exercise its remedies under Section 9(j)  of  the  Sublease  or  otherwise  to  terminate  the  Sublease  or  to  terminate  Subtenant's  right  to  possession, Tenant shall first be required to notify Landlord of such intent, and Landlord shall have  the right (but not the obligation) to elect, by written notice to Tenant and Subtenant (an "Election  Notice"), to take assignment of Tenant's interest in the Prime Lease and the Sublease with respect to  the Sublease Premises only, relieving Tenant of any future obligations under the Prime Lease and  the Sublease with respect to the Sublease Premises only, other than the obligation of Tenant to  continue to pay Landlord the difference between the Rent due under the Prime Lease less the rent  paid by Subtenant under the Sublease through October 31, 2022. If Landlord does not elect to take  an assignment of the Sublease as aforesaid, Tenant may exercise any of its remedies as provided in  the Sublease, and Landlord may, at its option, declare an event of default by Subtenant under the  Direct Lease. Upon the exercise by Landlord of its option to take an assignment of the Tenant's  interest in the Prime Lease and the Sublease with respect to the Sublease Premises only pursuant to  this Section, Tenant and Subtenant shall execute such documentation as Landlord may reasonably  require to memorialize such event (the "Assignment"). Nothing contained in this Section shall  require Landlord to send an Election Notice as provided above.  A failure by Landlord to send an  Election Notice following a default by Subtenant as provided above shall not constitute a waiver by  Landlord nor prevent Landlord from exercising its option to send an Election Notice at a subsequent  time or in the event of a subsequent Subtenant default.         7.   Amendment  of  Lease .   The  Prime  Lease  is  hereby  modified  as  follows  in  consideration for this Consent.         (A)  Sections 2.5 (Option to Extend), 4.6 (Exclusive Use), 24.28 (Right of First Offer), 24.29  (Right of First Refusal) and 24.30 (Options to Terminate) of the Prime Lease are hereby deemed null  and void and of no further force or effect.         (B)  Section 6.2 (Additional Services) of the Prime Lease is hereby amended to add the  following to the end of such Section, with the understanding that the provisions applicable to  "Lessee" in the following will apply to both Tenant and Subtenant (with respect to the Sublease  Premises only), it being understood by the parties that any costs and expense contemplated in the  following shall be the responsibility of Tenant or Subtenant (with respect to the Sublease Premises  only), as applicable, with the requesting party being primarily liable to Landlord for any such costs  and expenses: "If Lessee requests utilities or building services in addition to those identified above,  or if Lessee uses any of the above utilities or services in frequency, scope, quality or quantity  substantially greater than that which Landlord determines is normally required by other tenants in  the Building or by tenants in comparable office buildings, then Landlord shall use reasonable efforts  to attempt to furnish Lessee with such additional utilities or services.  In the event Landlord is able  to and does furnish such additional utilities or services, (i) the costs thereof (which shall be deemed                                     5      

 

                                                 Lakefront 15 (fka Building 74)    to mean the cost that Lessee would have incurred had Lessee contracted directly with the utility  company or service provider) shall be borne by Lessee, who shall reimburse Landlord monthly for  the same as Additional Rent, and (ii) Landlord shall also have the right to submeter or separately  meter the Demised Premises (or portion thereof) at Lessee's sole cost, and Lessee shall pay such  utilities  based  on  the  submeter  or  separate  meter. If  any  lights,  density  of  staff,  machines  or  equipment used by Lessee in the Demised Premises materially affect the temperature otherwise  maintained by the Building's air-conditioning system or generate substantially more heat in the  Demised Premises than that which Landlord determines would normally be generated by tenants in  comparable  office  buildings,  then  Landlord  shall  have  the  right  to  install  any  machinery  or  equipment that Landlord considers reasonably necessary, including, without limitation, equipment  that modifies the Building's HVAC system.  All costs expended by Landlord to install any such  machinery and equipment and any additional costs of operation and maintenance in connection  therewith shall be borne by Lessee, who shall reimburse Landlord for the same as provided in this  Section 6.2."         8.   Amendment  of  Sublease .   Subtenant  hereby  waives  its  right  to  terminate  the  Sublease pursuant to the last sentence of Section 7 of the Sublease. Notwithstanding anything to the  contrary  in  the  Sublease,  this  Consent  or  the  Direct  Lease,  before  exercising  any  rights  that  Subtenant  may  have  at law or in equity that could result  in  the  termination  of  the  Sublease,  Subtenant shall provide Tenant and Landlord with notice of the breach or default (whether alleged to  be a breach or default by Tenant or Landlord) giving rise to same (the “Default Notice”) and,  thereafter, Landlord shall have the opportunity to cure such breach or default as provided for below.   After Landlord receives a Default Notice, Landlord shall have a period of thirty (30) days in which  to cure the breach or default; provided, however, that if a non-monetary default cannot reasonably be  performed within thirty (30) days, Landlord shall have such longer period of time to cure such non- monetary default as may be reasonably required so long as Landlord commences such performance  within said thirty-day period and thereafter diligently, continuously and in good faith undertakes to  complete the same.  Landlord shall have no obligation to cure (and shall have no liability or  obligation for not curing) any breach or default by Tenant, except to the extent that Landlord agrees  or undertakes otherwise in writing.  In addition, Landlord, Subtenant and Tenant agree as follows:         (A)  Rooftop Rights:  Notwithstanding the provisions of Section 24.21 of the Prime Lease, as  incorporated into the Sublease, during the term of the Sublease, Subtenant’s rights and obligations  with  respect  to  the  installation,  use,  operation  and  removal  of  rooftop  equipment  shall  be  in  accordance with Section 16.20 of the Direct Lease, which shall be deemed to be incorporated by  reference into the Sublease in the manner described in Section 1(c) of the Sublease with references  to “Landlord” and “Tenant” in such Section 16.20 deemed  to  mean  Landlord  and  Subtenant,  respectively (the “Rooftop Rights”).         (B)  Generator Rights:  Notwithstanding anything to the contrary in the Prime Lease or the  Sublease, during the term of the Sublease, Subtenant’s rights and obligations with respect to the  installation, use, operation and removal of a generator, UPS and related equipment shall be in  accordance with Section 17.05 of the Direct Lease, which shall be deemed to be incorporated by  reference into the Sublease in the manner described in Section 1(c) of the Sublease with references                                     6      

 

                                                 Lakefront 15 (fka Building 74)    to “Landlord” and “Tenant” in such Section 17.05 deemed  to  mean  Landlord  and  Subtenant,  respectively (the “Generator Rights”).         (C)  Insurance:  Notwithstanding anything to the contrary in the Prime Lease or the Sublease,  Subtenant’s obligations with respect to the maintenance of insurance during the Sublease term shall  be satisfied if Subtenant complies with the requirements of Section 8.04 of the Direct Lease.   Subtenant shall provide Tenant with copies of all notices and documents that must be delivered to  Landlord in connection with Subtenant’s exercise of the Rooftop Rights and Generator Rights.   Subtenant may exercise such Rooftop Rights and Generator Rights without Tenant’s consent so long  as such rights are not exercised in a manner that materially and adversely interferes with Tenant’s  use of Suite 100 in the Building.  Notwithstanding the foregoing, (i) Subtenant shall indemnify,  defend, protect and hold harmless Tenant and Landlord from, all losses, damages, liabilities, claims,  attorneys’ fees, costs and expenses arising from Subtenant’s exercise of the Rooftop Rights and  Generator Rights during the term of the Sublease and (ii) Landlord hereby releases Tenant from any  and all losses, damages, liabilities, claims, attorneys’ fees, costs and expenses arising from the  exercise of the Rooftop Rights and the Generator Rights during the term of the Sublease.         9.   Compliance with Prime Lease .  Subtenant hereby acknowledges that it has read and  has knowledge of all of the terms, provisions, rules and regulations of the Prime Lease and agrees  not to do or omit to do anything which would cause Tenant to be in breach of the Prime Lease.  Any  such act or omission shall also constitute a breach of this Consent and shall entitle Landlord to  recover any damage, loss, cost or expense which it thereby suffers, from Subtenant, whether or not  Landlord proceeds against Tenant.         10.  Privity .  The parties agree that privity of contract between Subtenant and Landlord  has been established by the execution of this Consent and that privity of estate between Landlord  and Subtenant will be automatically established by (i) a Prime Lease Termination or (ii) the delivery  of Landlord's Election Notice to Tenant and Subtenant and execution of the Assignment, in each  case without the necessity for execution of any further document or the performance of any further  act by Landlord, Tenant or Subtenant, subject to Sections 6 and 11 hereof.         11.  New Lease .  If, at any time Landlord assumes or is deemed to assume the Sublease  pursuant to this Consent, upon the request of Landlord, Landlord and Subtenant shall enter into a  new lease between Landlord, as landlord, and Subtenant, as tenant, for the remainder of the term of  the Sublease, on the same terms and conditions as set forth in Section 4(A) above.         12.  Litigation .  In the event of any litigation between the parties hereto with respect to  the  subject  matter  hereof,  the  unsuccessful  party  agrees  to  pay  the  successful  party  all  costs,  expenses and reasonable attorney's fees incurred therein by the successful party, which shall be  included as a part of the judgment therein rendered. The "successful party" shall include, but is not  limited to, a party whose claim is substantially sustained in an action, a party who is granted  equitable relief or a party who dismisses an action or settles a claim in exchange for a payment of  substantially the sum allegedly due.                                     7      

 

                                                 Lakefront 15 (fka Building 74)          13.  Successors .  This Consent shall be binding upon and inure to the benefit of the  parties' respective successors and assigns, subject to all agreements and restrictions contained in the  Prime Lease, the Direct Lease (solely with regard to Subtenant), the Sublease and herein with  respect to subleasing, assignment, or other transfer.  The agreements contained herein constitute the  entire understanding between the parties with respect to the subject matter hereof, and supersede all  prior agreements, written or oral, inconsistent herewith.  No amendment, modification or change  therein will be effective unless Landlord shall have given its prior written consent thereto.  This  Consent may be amended only in writing, signed by all parties hereto.         14.  Notices .  Tenant and Subtenant shall copy Landlord on any notices sent to or from  Tenant or Subtenant under the Sublease. Notices required or desired to be given hereunder shall be  effective either upon personal delivery or three (3) days after deposit in the United States mail, by  certified mail, return receipt requested, addressed to Landlord at the address set forth above, or to  Tenant  or  Subtenant  at  the  address  in  the  Prime  Lease  (for  Tenant)  or  the  Direct  Lease  (for  Subtenant).  Any party may change its address for notice by giving notice in the manner hereinabove  provided.         15.  Landlord's Costs .  As a condition to the effectiveness of Landlord's consent to the  Sublease, Tenant agrees to reimburse Landlord for its reasonable attorneys' fees and administrative  expenses incurred in connection with this Consent (collectively, "Landlord's Costs"), as additional  rent under the Prime Lease. The Landlord Costs shall not include any costs or expenses related to the  Direct Lease. Landlord acknowledges that such Landlord Costs shall be supported by invoices which  shall be provided to Tenant as a condition of such reimbursement.  Tenant shall be responsible for  payment of such Landlord's Costs whether or not Landlord approves the Sublease or this Consent is  executed.           16.  Sublease Profit .  Section 17.1 of the Prime Lease provides that 100  percent of any  rental payable under the Sublease which exceeds the amount of rental payable under the Prime Lease  shall be payable to Landlord (prorated as provided in the Prime Lease).  Accordingly, and in  addition  to  all  other  amounts  payable  by  Tenant  under  the  Prime  Lease,  Tenant  shall  pay  to  Landlord, together with each monthly installment of minimum rent under the Prime Lease, the  respective amounts set forth on Exhibit "B" attached hereto.  Any failure by Tenant to make any  such payment within five (5) days after it is due shall constitute an "Event of Default" under the  Prime Lease.         17.  Guaranty .  This Consent shall not become effective until the Guarantor (as defined  in the Direct Lease) has acknowledged this Consent on the page attached hereto and executed a  guaranty  of  the  Subtenant's  obligations  under  the  Direct  Lease  and  this  Consent  (including  Subtenant’s obligations under the Sublease from and after the date (if any) it becomes a direct  agreement with Landlord following a Prime Lease Termination as provided in Section 4(A) above or  following an Assignment as provided in Section 6 above, which guaranty shall be in the form  attached to the Direct Lease.                                      8      

 

                                                 Lakefront 15 (fka Building 74)          18.  Indemnification .  Tenant and Subtenant agree to indemnify and hold Landlord  harmless  from  and  against  any  loss,  cost,  expense, damage  or  liability,  including  reasonable  attorneys' fees, incurred as a result of a claim by any person or entity (i) that is entitled to a  commission, finder's fee or like payment in connection with the Sublease or (ii) relating to or arising  out of the Sublease or any related agreements or dealings.         19.  Compliance with Laws .  Tenant agrees that Tenant shall comply, at Tenant's sole  cost and expense, with all applicable laws, rules, statutes, ordinances and regulations in connection  with the subletting of the Sublease Premises, and shall supply Landlord with reasonable evidence of  such compliance.         20.  Miscellaneous .  This Consent shall be governed by and construed in accordance with  the internal laws of the State of Indiana. The parties hereby agree that the exclusive jurisdiction and  venue for any action arising out of, involving or in any way related to this Consent or the Sublease  or Prime Lease shall be the Indiana Commercial Court located in Marion County, Indiana or, if the  Commercial Court does not exist, in a state court located in Marion County, Indiana or a Federal  Court located in the Southern District of Indiana. The submission of this Consent for examination  does not constitute Landlord's consent to the Sublease, and this Consent shall become effective only  upon  execution  and  delivery  thereof  by  all  parties.   The  captions  of  the  paragraphs  and  subparagraphs in this Consent are inserted and included solely for convenience and shall not be  considered or given any effect in construing the provisions hereof.  Landlord is intended to be a third  party beneficiary of the Sublease. Notwithstanding any provision of the Sublease to the contrary,  Tenant and Subtenant acknowledge and agree that Landlord is not, and is not intended to be, a party  to the Sublease, and this Consent shall create no liability or obligation whatsoever on the part of  Landlord to Tenant or Subtenant. Nothing contained herein shall be construed as an approval or  ratification by Landlord of any of the particular provisions of the Sublease. This Consent shall not be  recorded.         21.  Counterparts .  This Consent may be executed in any number of counterparts, each  of which shall be deemed an original, but all of which when taken together shall constitute one and  the same instrument.  Delivery of an executed counterpart of this Consent by facsimile or email shall  be equally as effective as delivery of an original executed by counterpart of this Consent. Any party  delivering an executed counterpart of this Consent by facsimile or email also shall deliver an  original  executed  counterpart  of  this  Consent  but  the  failure  to  deliver  an  original  executed  counterpart shall not affect the validity, enforceability, and binding effect of this Consent.         22.  Authority . The parties hereto each hereby represents and warrants to the other parties  that the person executing this Consent on its behalf is duly authorized and empowered to do so.  The  parties hereto each hereby represents and warrants to the other parties that this Consent, when fully  executed and delivered, shall be binding upon it, enforceable in accordance with and subject to the  terms, conditions and provision hereof.         23.  Contingency .  The parties acknowledge and agree that this Consent is contingent  upon Landlord and Subtenant entering into the Direct Lease, in a form acceptable to such parties.                                     9      

 

                                                 Lakefront 15 (fka Building 74)          24.  Further Agreements of Landlord .  Notwithstanding the foregoing, Landlord agrees  as follows:         (A)  During the term of the Sublease, Subtenant may use the Sublease Premises for any  purpose permitted under Section 1.01(k) of the Direct Lease, including general office use.         (B)  The waiver of subrogation set forth in Section 14.1 of the Prime Lease shall apply as  between Landlord and Subtenant during the term of the Sublease.                         [Signatures begin on following page.]                                       10      

 

 

 

 

 

 

 

 

 

                        Lakefront 15 (fka Building 74)                    EXHIBIT "A"       THE SUBLEASE   (executed copy to be attached)                                 A-1                            

 

                                                               HPF Form (2018)                                    SUBLEASE AGREEMENT               This Sublease Agreement (the “Sublease Agreement” or “Sublease”) is made this  ___3rd    day of ______,June  2019 (the “Sublease Effective Date”), by and between Home Point Financial   Corporation, a New Jersey corporation, as successor-in-interest to Stonegate Mortgage   Corporation, an Ohio corporation (“Sublessor”) and eHealthinsurance Services, Inc., a Delaware   corporation (“Sublessee”).                                       RECITALS        WHEREAS, Sublessor currently leases office space located at 9190 Priority Way W Dr,   Indianapolis, IN 46240 consisting of approximately 77,431 rentable square of the building  commonly known as Building 74 (the “Building”) of the Precedent Office Park (as more  particularly described in the Primary Lease, as such term is subsequently defined herein, the  “Premises”);            WHEREAS, Sublessor intends to  retain a portion of the Premises consisting of   approximately 21,155 rentable square feet and referred to as 9190 Priority Way W Dr, Suites   100, 120 and 130 (the “Home Point Premises”);              WHEREAS, Sublessor intends to sublet to Sublessee a portion of the Premises consisting of   approximately 56,276 rentable square feet and referred to as 9190 Priority Way West Drive,   Suites 200 and 300 (the “Sublease Premises”), as shown on Exhibit “B” attached hereto and   made a part hereof; and        WHEREAS, Sublessee desires to sublease the Sublease Premises from Sublessor pursuant to   the terms hereof.        NOW THEREFORE, in consideration of good and valuable consideration, including the  promises and agreements hereafter set forth, the parties agree as follows:      1.    Primary Lease.        (a)  Sublessor  (as  lessee)  and  Precedent  Lakeside  Acquisitions,  LLC  (the  “Landlord”)      (successor in interest to Precedent Co-Investor, LLC, a Delaware limited liability company,      itself  successor  in  interest  to  PP  Indianapolis  IV Project  Corporation),  are  parties  to  that     certain Lease Agreement dated May 24, 2011 (the “Original Lease”), as amended by that      certain  Lease  Addendum  dated  May  21,  2012 (the “First  Addendum”),  that  certain  Lease      Addendum II dated July 2, 2012 (the “Second Addendum”), that certain Lease Addendum III      dated March 1, 2013 (the “Third Addendum”), that certain Lease Addendum IV dated March      1,  2013  (the  “Fourth  Addendum”)  and  that  certain  Fifth  Amendment  to  Lease  dated  

 

                                                                       September 7, 2016 (the “Fifth Addendum”), and together with the Original Lease, the First  Addendum, the Second Addendum the Third Addendum, the Fourth Addendum and the Fifth  Addendum, the “Primary Lease”), a copy of which is attached hereto as Exhibit “A” and by  reference  made  a  part  herein,  including  any  and  all  amendments,  assignments  and  modifications thereto.  There have been no further amendments and/or other modifications to  the Primary Lease other than as set forth in Exhibit “A.”   Sublessee desires to sublease the  Sublease Premises on the terms and conditions set forth in this Sublease Agreement, subject  to the terms and conditions of the Primary Lease.  Notwithstanding anything contained in the  Primary Lease to the contrary and except as stated herein,  Sublessee  shall  have  the  same  obligations, rights, and remedies under the Primary Lease, as incorporated herein, as to the  Sublease Premises, of Sublessor, as if Sublessee was a “lessee” or “tenant” under the Primary  Lease and Sublessee agrees perform faithfully and be bound by all of the terms, covenants,  conditions,  provisions  and  agreements  of  the  Primary  Lease,  as  incorporated  herein,  applicable to the Sublease Premises, other than the Excluded Obligations (as defined below).    (b) The terms, conditions and respective obligations of Sublessor and Sublessee to each other  under this Sublease shall be the terms and conditions of the Primary Lease, as incorporated  herein, except for (i) the Excluded Obligations (as defined below)) and (ii) those provisions  of the Primary Lease which are directly contradicted by this Sublease in which event the  terms of this Sublease shall control over the Primary Lease.  Therefore, for the purposes of  this Sublease and except as expressly provided herein, wherever in the Primary Lease the  word “Lessor” is used, it shall be deemed to mean the Sublessor herein; and wherever in the  Primary Lease the word “Lessee” is used, it shall be deemed to mean the Sublessee herein;  and wherever the word “Demised Premises” is used, it shall be deemed to mean the Sublease  Premises herein. For purposes of this Sublease, the “Excluded Obligations” shall mean and  include (i) any duties and obligations of Sublessor arising under the Primary Lease prior to  the Sublease Commencement Date, (ii) any duties and  obligations  of  Sublessor  under  the  Primary Lease relating to the Sublessor's use and possession of the Home Point Premises,  and (iii) the exclusions set forth in Section 1(c) below.     (c) Sublessee shall have no obligation to Sublessor or the Landlord to (i) cure any default of  Sublessor under the Primary Lease, (ii) repair any damage to the Sublease Premises caused  by  the  Sublessor,  (iii)  remove  any  alterations  or  additions  installed  within  the  Sublease  Premises by Sublessor or otherwise existing as of the Sublease Commencement Date, (iv)  indemnify  Sublessor  or Landlord  with  respect  to  any  negligence  or  willful  misconduct  of  Sublessor, or any of its officers, directors, employees, agents, representatives or invitees, or  Sublessor’s breach of this Sublease, or (v) discharge any liens on the Sublease Premises that  arise  out  of  any  work  performed  or  claimed  to  be  performed,  by  or  at  the  direction  of  Sublessor.  Except as set forth below and provided in Section 1(b) above, this Sublease, the  terms and conditions of this Sublease shall include all of the terms of the Primary Lease and  such terms are incorporated into this Sublease as if fully set forth herein, except that: (a) the                                                             Page 2 of 14                

 

                                                                             following provisions shall not be included: Sections 1.3, 1.4, 2.1, 2.2, 2.3, 2.4, 2.5, 2.6, 2.7,     2.8, 2.9, 3.1, 3.2, 3.4, 7.1 (second paragraph only), 19.1; 24.13, 24.16, 24.25, 24.26, 24.27,     24.28, 24.29, 24.30, 24.31 (first sentence only), Exhibit A, Exhibit B, Exhibit C, Exhibit D,     Exhibit  E,  Exhibit E-1,  Exhibit  G,  Exhibit  H,  Exhibit  H-1,  First  Addendum,  Second     Addendum,  Third  Addendum  and  Fourth  Addendum,  (b)  references  in  the  following     provisions to "Lessor" shall mean "Landlord" rather than Sublessor: Sections 4.2, 6.1, 6.2,     6.3, 8.1, 10.1, 10.2, 11.1 (first sentence only), 21.1, 23.1, 23.2, 23.3, 23.4, 23.5, 23.6, 24.3,     24.4 and Exhibit F; and (c) wherever there is a requirement to pay the costs and expenses of     "Lessor," Sublessee shall only be obligated to pay Landlord’s  costs and  expenses and  not     both Sublessor’s and Landlord’s costs and expenses.               (d) During the term of this Sublease, Sublessee does hereby expressly assume and agree to     perform  and  comply  with,  for  the  benefit  of  Sublessor  and  Landlord,  each  and  every     obligation  of  Sublessor  under  the  Primary  Lease,  as  incorporated  herein,  that  is  not  an     Excluded Obligation (collectively, the “Sublessee’s Assumed Obligations”).      2.    Sublease Term and Termination.         (a)  This Sublease shall commence on the later of (a) June 1, 2019 or (b) the date on which        the Landlord provides consent pursuant to Section 7 hereto and Sublessor delivers        possession of either Suite 300 or the entire Sublease Premises to Sublessee in the required        condition described below (the “Sublease Commencement Date”) and shall terminate on        October 31, 2022 (the “Sublease Termination Date”).  If Sublessor will not be able to        deliver Suite 200 on the Sublease Commencement Date, (i) Sublessor shall provide        Sublessee with 15 days prior written notice of such inability, (ii) Rent shall be prorated        accordingly based on the actual space occupied by Sublessee until Suite 200 is turned        over to Sublessee in the required condition and (iii) the Sublease Commencement Date        shall occur as to Suite 200 on the date Sublessor delivers Suite 200 to Sublessee in the        required condition.  Sublessor shall use commercially reasonable efforts to deliver Suite        300 to Sublessee in the required condition no later than June 1, 2019 and to deliver Suite        200 to Sublessee in the required condition not later than July 1, 2019.  Notwithstanding        anything to the contrary herein, (i) if Sublessor fails to deliver Suite 300 to Sublessee in        the required condition by June 1, 2019, then the date Sublessee is otherwise obliged to        commence payment of Rent as to Suite 300 shall be delayed by one day for each day that        the Sublease Commencement Date as to Suite 300 is delayed beyond such date and (ii) if        Sublessor fails to deliver Suite 200 to Sublessee in the required condition by July 1, 2019,        then the date Sublessee is otherwise obliged to commence payment of Rent as to Suite        200 shall be delayed by one day for each day that the Sublease Commencement Date as        to Suite 200 is delayed beyond such date.  Sublessor will deliver possession of the        Sublease Premises to Sublessee in good, vacant (other than FF&E remaining in                                                                 Page 3 of 14     

 

                                                                                accordance with Section 4(d), below), clean and otherwise  in the condition as of the date        hereof.         (b)  Sublessee shall be responsible for any costs, expenses, losses, penalties and damages in        amounts equal to those stated in the Primary Lease, as incorporated herein, and        indemnify and hold Sublessor harmless from the same, should it retain possession of the        Sublease Premises or otherwise holdover beyond the expiration of the Sublease or upon        earlier termination as provided herein or in the Primary Lease, as incorporated herein. If        Sublessee enters into a direct follow on lease with Landlord for the Home Point Premises,        Sublessor shall vacate and deliver the Home Point Premises to Landlord in the condition        required by the Primary Lease on or before October 31, 2022.          (c)  At the conclusion of the Sublease term, Sublessee shall not be required to remove any        improvements made to the Sublease Premises (unless such improvements were installed        by Sublessee and not expressly approved by Sublessor or Landlord) including, but not        limited to, cables, wiring or conduits.  Without limiting  the  foregoing, Sublessee shall        have no obligation to remove any alterations or improvements existing in the Sublease        Premises as of the Sublease Commencement Date.          Notwithstanding anything to the contrary herein or in the Primary Lease, upon the occurrence of  the Sublease Termination Date, Sublessee will be fully released and discharged from any further  obligation under this Sublease, except those obligations intended to survive the expiration or  earlier termination of this Sublease.    3.  Sublease Rent and Other Charges.  Sublessee agrees during the term of this Sublease to  pay the Rent (defined below) for the Sublease Premises.       (a)  Rent.  Sublessee shall pay to Sublessor as Rent for the Sublease Premises equal monthly        payments in advance, for the period starting on the Sublease Commencement Date and        then  on  the  first  day  of  each  month  thereafter  until  and  including  the  Sublease        Termination Date, as follows:                          Time Period*           Monthly Rent                June 1 - August 31, 2019 $0.00                September 1, 2019- May $71,986.38                31, 2020                June 1, 2020 – May 31, $74,145.97                2021                June 1, 2021 – May 31, $76,370.35                2022                June 1, 2022 – October 31, $78,661.46                2022                                                                  Page 4 of 14     

 

                                                                                  * If the Sublease Commencement Date occurs on a date later than June 1,              2019, the above schedule shall be adjusted to provide for three (3) full              calendar months of abated Rent from and after the Commencement Date              and three percent (3%) Rent adjustments on each anniversary  of the              Sublease Commencement Date.      Sublessee shall remit Rent payments in the monthly sums stated on or before the first day     of each month.      Rent Defined.  All monetary obligations of Sublessee to Sublessor under the terms of this     Sublease Agreement are deemed to be rent (“Rent”).  Rent shall be payable in lawful     money of the United States to Sublessor at the address  stated  herein  or  to  such  other     persons or at such other places as Sublessor may designate in writing.    (b)  Additional Rent. During the term of this Sublease, the Sublessee shall not be responsible     for the payment of any Additional Rent (as defined in Section 3.2 the Primary Lease).      Such  Additional  Rent  shall  remain  the  obligation  of  the  Sublessor.   Notwithstanding     anything to the contrary herein, Sublessor acknowledges and agrees that this Sublease is     intended to be a “full service” sublease and, except as expressly provided in this Section     3, Sublessee shall in no event have any obligation to perform or to pay directly, or to     reimburse Sublessor for, all or any portion of any premiums, claims, losses, fees, charges,     costs  and  expenses  for  taxes,  insurance  premiums,  operating  expenses,  common  area     charges, utilities or any other expenses for the operation, management, maintenance and     repair  (other  than  costs  for  repairs  related  to  damages  caused  by  Sublessee)  of  the     Premises or the Building.    (c)  Security Deposit.  Concurrently with Sublessee’s execution of this Sublease, Sublessee     shall  deposit  with  Sublessor  a  cash  sum  in  the  amount  of $71,986.38   (the  “Security     Deposit”).  Sublessor shall hold the Security Deposit as security for the performance of     Sublessee’s obligations under this Sublease and under the Primary Lease.  If Sublessee     defaults beyond applicable notice and cure periods on any provision of this Sublease or of     the  Primary  Lease,  Sublessor  may,  without  prejudice  to  any  other  available  remedy,     apply all or part of the Security Deposit to any rental or other sums in default; to any     amount Sublessor may spend or be obligated to spend exercising or protecting its rights     under the Sublease or the Primary Lease; or to any expense, loss or damage Sublessor     may suffer because of Sublessee’s default.  In the event Sublessor is required to apply     any  portion  of  the  Security  Deposit,  Sublessee  shall,  within  five  (5)  days  following     written notice thereof from Sublessor, replenish the Security Deposit by the amount so     applied by Sublessor.  Sublessor shall have no obligation to hold the Security Deposit in     an interest bearing account and Sublessee shall have no right to any interest that may be     earned on such funds.  The Security Deposit (less any amounts necessary to cure any then     existing  defaults  or  to  make  any  necessary  repairs that  are  Sublessee’s  obligation     hereunder) shall be returned to Sublessee within thirty (30) days after the expiration or     other termination of the Sublease.                                                                                                                 Page 5 of 14                

 

                                                                          4.    Use and Quiet Enjoyment of Sublease Premises.               (a)  Agreed Use.  The Sublease Premises shall be used and occupied by Sublessee only for     General Office use and such other uses as are permitted in the Landlord Consent (as defined     below) and for no other purpose.  Sublessee shall keep and maintain the Sublease Premises in     good  order  and  condition  in  accordance  with  the  Primary  Lease,  as  incorporated  herein,     including but not limited to Section 8.2.  Sublessee shall comply with all applicable rules and     regulations specified in the Primary Lease, including but not limited to Exhibit F thereto.      Notwithstanding anything in the Primary Lease or herein to the contrary, any invoices related     to  any  additional  services  and  materials  for  the  Sublease  Premises  requested  from  the     Landlord by Sublessee but presented to the Sublessor shall be promptly paid by Sublessee     when presented by Sublessor. Under no circumstances shall Sublessee request any additional     services or materials in violation of the Primary Lease.      (b)  Quiet  Enjoyment.  Upon  the  Sublease  Commencement  Date,  Sublessee  may  take     immediate possession of the Sublease Premises and retain use and possession thereof until     the  Sublease  Termination  Date  or  earlier  termination  of  this  Sublease.   Upon  request  by     Sublessee and without any cost or expense to Sublessee, Sublessor will use its best efforts to     cause  Landlord  to  perform  its  obligation  under  the Primary  Lease  for  the  benefit  of     Sublessee.  Sublessor agrees not to violate any of the terms and conditions of the Primary     Lease or cause the terms and conditions thereof to be violated.  Sublessor shall not cause or     permit  any  conditions,  act,  or  omission  that  would,  whether  or  not  with  notice  of  with     passage of time, constitute default under the Primary Lease.  Sublessor shall fully perform all     of its obligations under the Primary Lease to the extent Sublessee has not expressly agreed to     perform  such  obligations  under  this  Sublease.   Sublessor  shall  not  terminate  or  take  any     actions  giving  rise  to  a  termination  right  under  the  Primary  Lease,  amend  or  waive  any     provisions  under  the  Primary  Lease  with  respect  to the  Sublease  Premises  or  make  any     elections, exercise any right or remedy or give any consent or approval under the Primary     Lease  with  respect  to  the  Sublease  Premises  without,  in  each  instance,  Sublessee's  prior     written consent.           (c)  [Intentionally Deleted]          (d)  Furniture, Fixtures, and Equipment.  Sublessee shall have the right to utilize all existing     furniture, fixtures, and equipment in the Sublease Premises as of the Sublease     Commencement Date (the “FF&E”) for the duration of the Sublease and as of the Sublease     Termination Date or earlier termination or expiration of this Sublease , the ownership of all     furniture, fixtures, and equipment shall pass to the Sublessee at no cost.                                                                     Page 6 of 14     

 

                                                                             (e)  Parking.  Sublessee shall have the use of not less than 281 of the general parking spaces     specified in the Primary Lease during the term of the Sublease at no additional cost to     Sublessee.        (f)  Signage.  Sublessor and Sublessee acknowledge that the exterior building signage     described in Section 7.1 of the Primary Lease is not transferable per the terms of the Primary     Lease.  However, if Sublessee is successful in negotiating a direct lease with Landlord for the     Sublease Premises commencing on the expiration or earlier termination of this Sublease that     includes rights to the Highway 465 facing-exterior building signage (the “Hwy 465     Signage”), then, upon execution of such lease, Sublessee shall have the right to remove     Sublessor’s existing Hwy 465 Signage and replace such signage with Sublessee’s building     signage. All costs associated with removing any existing Sublessor signs and installing new     building signage shall be at Sublessee’s sole expense.  Notwithstanding the foregoing,     Sublessee shall be entitled to “Standard Signage” described in the first paragraph of Section     7.1 of the Primary Lease, at the sole cost of Sublessee.           (g)  AS-IS  Condition.  The  Sublease  Premises  shall  be  subleased  hereunder on  an  “as  is”     basis.  Sublessee accepts the Sublease Premises in its current, "as-is" condition. Other than as     described in Section 4(d) above, Sublessor shall have no obligation to furnish or supply any     other work, services, furniture, fixtures, equipment, or decorations. On or before the Sublease     Termination  Date  or  earlier  termination  or  expiration  of  this  Sublease,  Sublessee  shall     surrender  the  Sublease  Premises  in  broom  clean  condition.  The  obligations  of  Sublessee     hereunder  shall  survive  the  expiration  or  earlier  termination  of  this  Sublease.      Notwithstanding anything to the contrary herein, if Sublessee enters into a direct lease for the     Sublease  Premises  for  a  period  commencing  concurrently  with  the  expiration  date  of  this     Sublease, then Sublessee shall not be required to surrender the Sublease Premises as provided     in this Sublease and any continued occupancy of the Sublease Premises by Sublessee after     the  Sublease  Termination  Date  shall  be  pursuant  to such  direct  lease  rather  than  this     Sublease.       5.    Ind emnity       (a)    Sublessor.  Sublessor shall indemnify and hold harmless Sublessee and its officers,     employees  and  affiliates,  agents,  and  representatives  (collectively,  “Sublessee’s     Representatives”) from and against any and all actions or claims asserted against Sublessee     or Sublessee’s Representatives and shall reimburse Sublessee for any and all actual costs,     losses, liabilities, damages, charges, liens, deficiencies or expenses of any nature (including,     without limitation reasonable attorney’s fees and court costs) incurred by or assessed against     Sublessee or Sublessee’s Representatives, arising out of or resulting from any acts, errors, or     omissions of Sublessor or any agent, representative, or invitee of Sublessor, with respect to                                                                 Page 7 of 14     

 

                                                                             the Sublease Premises or in connection with the Primary Lease or this Sublease, including,     without limitation, any liability arising from Sublessor’s default thereof.             (b) Sublessee.   Sublessee  shall  indemnify  and  hold harmless  Sublessor  and  its  officers,     employees  and  affiliates,  agents,  and  representatives  (collectively,  “Sublessor’s     Representatives”) from and against any and all actions or claims asserted against Sublessor     or Sublessor’s Representatives and shall reimburse Sublessor from and against any and all     actions or claims asserted against Sublessor and shall reimburse Sublessor for any and all     actual costs, losses liabilities, damages, charges, liens, deficiencies or expenses of any nature     (including,  without  limitation,  reasonable  attorney’s  fees  and  court  costs)  incurred  by  or     assessed against Sublessor or Sublessor’s Representatives arising out of or resulting from any     acts, errors, or omissions of Sublessee in connection with this Sublease or Sublessee’s use of     the Sublease Premises, including any failure to comply with or perform Sublessee’s Assumed     Obligations or any breach of this Sublease.          6.    Sublessor’s Estoppel Certifications .  Sublessor  hereby  acknowledges  and  certifies  to  Sublessee that as of the Sublease Effective Date: (a) neither Sublessor nor Landlord is in default  under the Primary Lease and each has fully performed all of its obligations and responsibilities  thereof; (b) other than this Sublease, there is no existing sublease of the Premises or any part  thereof  and Sublessor  has  not  assigned  to any third-party  the  Primary  Lease  or  any  rights  or  interests therein, either directly or indirectly; (c) the Primary Lease is valid, in effect and has not  been amended (except as disclosed in Exhibit “A”) and the copy of the Primary Lease attached  hereto  as  Exhibit  A  is  a  true,  correct  and  complete  copy  of  the  Primary  Lease  and  (d)  to  Sublessor’s actual knowledge, the electrical, plumbing, life safety, heating, ventilating and air  conditioning systems serving the Sublease Premises are in good, working order and repair.    7.    Landlord Consent .  This  Sublease  is  expressly  conditioned  on  obtaining  the  written  consent  of  Landlord  in  a  form  reasonably  acceptable  to  Sublessor  and  Sublessee  (“Landlord  Consent”),  which  Landlord  Consent  shall  contain,  unless  waived  by  Sublessee,  Landlord’s  agreement that (i) Sublessee may use the Sublease Premises for General Office use and (ii) the  waiver  of  subrogation  set  forth  in  Section  14.1  of the  Primary  Lease  shall  apply  as  between  Landlord and Sublessee. Any fees and expenses incurred by the Landlord in connection with  requesting and obtaining such Landlord Consent shall be paid by Sublessor.   If Sublessor fails to  obtain Landlord’s consent as aforesaid within thirty (30) days after execution of this Sublease by  Sublessee,  then  Sublessee  may  terminate  this  Sublease  by  giving  Sublessor  written  notice  thereof, and Sublessor shall promptly return the Security Deposit to Sublessee.    8.    Renewal and Extension of Primary Lease.     Sublessor  shall  have  no  obligation,  and  Sublessee shall have no right or power, to exercise any option to renew or extend the term of the  Primary Lease or to exercise any expansion option, termination option, right of first refusal or  right of first offer under the Primary Lease.                                                                Page 8 of 14     

 

                                                                            9.  Miscellaneous.       (a) Amendment.  This Sublease Agreement may not be amended except by an instrument in     writing signed on behalf of each of the parties hereto.          (b) Counterparts.  This Sublease Agreement may be executed in multiple counterparts, each     of  which  shall  constitute  an  original,  but  all  of  which  shall  constitute  one  and  the  same     agreement.  Execution and delivery of this Sublease Agreement by facsimile transmission or     electronic mail (.pdf file) is binding the same as if original signed copies had been exchanged     by the parties hereto.           (c) Entire Agreement.  This Sublease Agreement contains the entire agreement between the     parties and supersedes all prior agreements, arrangements, and understandings relating to the     subject  matter  hereof.   There  are  no  written  or  oral  agreements,  understandings,     representations, or warranties between the parties other than those set forth in this Sublease     Agreement.          (d) Rights  Cumulative;  Waivers.   The  rights  of  each  of  the  parties  under  this  Sublease     Agreement are cumulative, may be exercised as often as any party considers appropriate, and     are in addition to each such party’s rights, except as otherwise modified herein, or by the     applicable law.  The rights of each of the parties hereunder shall not be capable of being     waived or varied otherwise than by an express waiver or variation in writing.  Any failure to     exercise  or  any  delay  in  exercising  any  of  such  rights  shall  not  operate  as  a  waiver  or     variation of that or any other such right.           (e) Notices.  All notices and other communications under this Sublease Agreement shall be     in writing and shall be deemed to have been duly given if delivered by hand, by overnight     courier, by registered mail, return receipt requested, postage repaid, or e-mail addressed to     the parties at the following address (or at such other addresses as shall be specified by like     notice):                    If to Sublessor, to:   Home Point Financial Corporation                                                       2211 Old Earhart Road, Suite 250                           Ann Arbor, Michigan 48105                           Attention: Kyle McGuire                           Email: kmcguire@hpfc.com                                                                                         Page 9 of 14     

 

                                                                                             with a copy to:                          Chief Legal Officer                        legal@hpfc.com          If to Sublessee, to:  eHealthInsurance Services, Inc.                        11919 Foundation Place, Suite 100                        Gold River, CA 95670                         Attention:  Kevin Brown                        Email: kevin.brown@ehealth.com                                                with a copy to:                        General Counsel                        legalreview@ehealth.com        (f)  Governing  Law.    This  Sublease  Agreement  shall  be  governed  by  and  construed  in  accordance  with  the  laws  of  the  State  of  Indiana  without  reference  to  the  choice  of  law  principle thereof.         (g) Severability.  In the case any provision in this Sublease Agreement shall be found by a  court of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall  be construed and enforced as if it had been more narrowly drawn so as not to be invalid,  illegal,  or  unenforceable,  and  the  validity,  legality,  and  enforceability  of  the  remaining  provisions of the Sublease Agreement shall not in any way be affected or impaired thereby.    (h) Successors  and  Assigns.   This  Sublease  Agreement  shall  be  binding  upon  the  parties  hereto and their respective permitted successors and assigns.    (i)  Third Party Beneficiaries.  This Sublease Agreement is intended for the sole benefit of  the parties hereto and their respective successors and permitted assigns, and there shall be no  other third party beneficiaries.    (j)   Default by Sublessee.  If Sublessee defaults in the payment of Rent or breaches any  other  covenant  or  agreement  of  this  Sublease  or  applicable  covenant  or  agreement  of  the  Primary Lease, Sublessor may exercise any remedies available at law or in equity, terminate  this Sublease, and with or without process of law, expel or remove Sublessee or any other  person or persons in occupancy from the Sublease Premises, together with their goods and  chattels, using such force as may be necessary in the judgment of Sublessor or its agent in so  doing, and repossess the Sublease Premises just as if the Sublessee repudiated this Sublease  and thereupon, in addition to Sublessor’s right to exercise any remedies available at law or in  equity.                                                               Page 10  of 14                

 

                                                                       (k) Attorney  Fees,  Costs,  etc.   If  any  action  at  law  or  in  equity,  including  an  action  for  declaratory  relief  is  brought  to  enforce  or  interpret  the  provisions  of  this  Sublease  Agreement,  the  prevailing  party  shall  be  entitled  to  recover  reasonable  attorney  fees  and  court costs from the other party.  Such fees may be set by the court in the trial of such action  or  may  be  enforced  in a  separate  action  brought  for  that  purpose.   Such  fees  shall  be  in  addition to any other relief that may be awarded.    (l)   Brokers.    Each party hereto represents and warrants to the other that it has not dealt  with  any  broker  other  than  Scotland  Wright  &  Associates,  LLC  and  CBRE  Group,  Inc.,  representing  Sublessor  (“Sublessor’s  Brokers”),  and  Newmark  Knight  Frank,  representing  Sublessee (“Sublessee’s Broker”), in connection with this Sublease.  Sublessor is responsible  for  paying  both  Sublessor’s  Brokers  and  Sublessee’s  Broker,  and  shall  pay  Sublessee’s  Broker  the  commission  specified  in  the  letter  of  intent  dated  April  2,  2019.   Each  of  Sublessor and Sublessee agrees to indemnify and hold the  other  harmless  from  all  claims  arising as a result of the indemnifying party’s breach of this Section.  The obligations of  Sublessor and Sublessee under this Section shall survive the expiration or earlier termination  of this Sublease.                                                                              Page 11  of 14                

 

 

 

 

 

                                                                        Exhibit A  Primary Lease                                                                                          Page 13  of 14                

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

                                                      Exhibit B  Diagram of the Premises                                                                                         Page 14  of 14                

 

 

 

 

 

                                                 Lakefront 15 (fka Building 74)                                  EXHIBIT "B"                                                              SUBLEASE PROFIT PAYMENTS   Based on Tenant's representation that there will be no rental payable under the Sublease which  exceeds the amount of rental payable under the Prime Lease (prorated as provided for in the Prime  Lease and after deduction by Tenant for the reasonable and necessary costs associated with the  Sublease amortized over the remaining term of the Prime Lease), no additional payments shall be  due to Landlord pursuant to Section 17.1 of the Prime Lease.         I\14407490.8                                       B-1Exhibit 10.1

VOTING
AGREEMENT

This
VOTING AGREEMENT, dated as of June 6, 2019 (this “Agreement”),
is by and between Columbia Financial, Inc., a Delaware corporation (“Parent”), and the undersigned shareholder
(the “Shareholder”) of Stewardship Financial Corporation, a New Jersey corporation (the “Company”)
and the Company. Capitalized terms used herein and not defined shall have the meanings specified in the Merger Agreement (as defined
below).

WHEREAS,
concurrently with the execution of this Agreement, the Company, Parent and Broadway Acquisition Corp., a New Jersey corporation
and wholly-owned subsidiary of Parent (“Merger Sub”), are entering into an Agreement and Plan of Merger (the
“Merger Agreement”) pursuant to which, among other transactions, (i) Merger Sub will merge with and into the
Company on the terms and conditions set forth therein, with the Company surviving such merger as a wholly-owned subsidiary of
Parent (the “First-Step Merger”) and (ii) immediately thereafter, the Company will merge with and into Parent,
with Parent being the surviving corporation (“Second-Step Merger”, and together with the First-Step Merger,
the “Integrated Mergers” or the “Merger”) and, in connection therewith, each share of the
common stock, par value $0.01 per share, of the Company (“Company Common Stock”) issued and outstanding immediately
prior to the Effective Time will, without any further action on the part of the holder thereof, be automatically converted into
the right to receive the Merger Consideration as set forth in the Merger Agreement, subject to the terms and conditions set forth
therein;

WHEREAS,
as of the date hereof, the Shareholder is the record owner or, in the case of shares held in “street name”, the ultimate
owner (the “Owner”), of, has the sole right to dispose of and has the sole right to vote, the number of
shares of Company Common Stock set forth below the Shareholder’s signature on the signature page hereto (such
Company Common Stock, together with any other capital stock of the Company acquired by the Shareholder after the execution of
this Agreement and over which the Shareholder exercises the sole right of disposition and voting, whether acquired directly or
indirectly, upon the exercise of options, conversion of convertible securities or otherwise, and any other securities issued by
the Company that are entitled to vote on the approval the Merger Agreement held or acquired by the Shareholder (whether acquired
heretofore or hereafter), being collectively referred to herein as the “Shares”);

WHEREAS,
obtaining the Required Stewardship Shareholder Vote is a condition to the consummation of the transactions contemplated by the
Merger Agreement; and

WHEREAS,
as a condition and an inducement to Parent’s willingness to enter into the Merger Agreement and incur the obligations set
forth therein, Parent has required that the Shareholder enter into this Agreement.

NOW,
THEREFORE, in consideration of the foregoing, the mutual covenants and agreements set forth herein, and other good and valuable
consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto agree as follows:

    	 

    	 

    

Section
1.               
Agreement to Vote; Restrictions on Voting and Dispositions.

(a)            Agreement to Vote Company Common Stock. The Shareholder hereby irrevocably and unconditionally agrees that from
the date hereof until the Expiration Time (as defined below), at any meeting (whether annual or special and each adjourned or
postponed meeting) of the Company’s shareholders, however called, the Shareholder will (x) appear at such meeting or
otherwise cause all of the Shareholder’s Shares to be counted as present thereat for purposes of establishing a quorum and
(y) vote or cause to be voted all of such Shares, (1) in favor of the approval of the Merger Agreement, the Merger and the other
transactions contemplated by the Merger Agreement, (2) against any Acquisition Proposal, without regard to any recommendation
to the shareholders of the Company by the Board of Directors of the Company concerning such Acquisition Proposal, and without
regard to the terms of such Acquisition Proposal, or other proposal made in opposition to or that is otherwise in competition
or inconsistent with the transactions contemplated by the Merger Agreement, (3) against any agreement, amendment of any agreement
(including the Company’s certificate of incorporation and bylaws), or any other action that is intended or would reasonably
be expected to prevent, impede, or interfere with, delay, postpone, or discourage the transactions contemplated by the Merger
Agreement and (4) against any action, agreement, transaction or proposal that would reasonably be expected to result in a breach
of any representation, warranty, covenant, agreement or other obligation of the Company in the Merger Agreement.

(b)            Restrictions on Transfers. The Shareholder hereby agrees that, from the date hereof until the earlier of the receipt
of the Required Stewardship Shareholder Vote or the Expiration Time, the Shareholder shall not, and shall not enter into any agreement,
arrangement or understanding to, directly or indirectly, sell, offer to sell, give, pledge, grant a security interest in, encumber,
assign, grant any option for the sale of or otherwise transfer or dispose of (each, a “Transfer”) any
Shares (i) other than in connection with bona fide estate planning purposes to his or her affiliates (as defined in the Merger
Agreement) or immediate family members; provided that as a condition to such Transfer, such affiliate or immediate family
member, as applicable, shall be required to execute an agreement that is identical in form and substance to this Agreement; provided,
further, that the Shareholder shall remain jointly and severally liable for the breaches by any of his or her affiliates
or immediate family members of the terms of such identical agreement, (ii) except in connection with the withholding or sale of
the minimum number of shares necessary to satisfy withholding taxes triggered by the vesting of outstanding restricted stock awards;
or (iii) by will or operation of law, in which case this Agreement shall bind the transferee. Any Transfer in violation of this
Section 1(b) shall be null and void. The Shareholder further agrees to authorize and request the Company to notify the Company’s
transfer agent that there is a stop transfer order with respect to all of the Shares owned by the Shareholder.

(c)            Transfer of Voting Rights. The Shareholder hereby agrees that the Shareholder shall not deposit any Shares in a
voting trust, grant any proxy or power of attorney or enter into any voting agreement or similar agreement, arrangement or understanding
in contravention of the obligations of the Shareholder under this Agreement with respect to any of the Shares.

    	2

    	 

    

(d)            Acquired Shares. Any Shares or other voting securities of the Company with respect to which ownership and the sole
rights of disposition and voting are acquired by the Shareholder, including, without limitation, by purchase, as a result of a
stock dividend, stock split, recapitalization, combination, reclassification, exchange or change of such Shares or upon exercise
or conversion of any securities of the Company, if any, after the date hereof shall automatically become subject to the terms
of this Agreement.

(e)            No Inconsistent Agreements. The Shareholder hereby agrees that he or she shall not enter into any agreement, arrangement
or understanding with any person prior to the termination of this Agreement, directly or indirectly, to vote, grant a proxy or
power of attorney or give instructions with respect to the voting of the Shareholder’s Shares in any manner which is inconsistent
with this Agreement.

Section
2.               Representations, Warranties and Covenants of the Shareholder.

(a)            Representations and Warranties. The Shareholder represents and warrants to Parent as follows:

  (i)              Capacity; Consents. The Shareholder is an individual and has all requisite capacity, power and authority to enter
into and perform his or her obligations under this Agreement. No filing with, and no permit, authorization, consent or approval
of, a Governmental Entity is necessary on the part of the Shareholder for the execution, delivery and performance of this Agreement
by the Shareholder or the consummation by the Shareholder of the transactions contemplated hereby.

  (ii)             Due Execution. This Agreement has been duly executed and delivered by the Shareholder.

  (iii)            Binding Agreement. Assuming the due authorization, execution and delivery of this Agreement by Parent, this Agreement
constitutes the valid and binding agreement of the Shareholder, enforceable against the Shareholder in accordance with its terms
(except in all cases as such enforceability may be limited by the Remedies Exception).

  (iv)            Non-Contravention. The execution and delivery of this Agreement by the Shareholder does not, and the performance
by the Shareholder of his or her obligations hereunder and the consummation by the Shareholder of the transactions contemplated
hereby will not, violate or conflict with, or constitute a default under, any agreement, instrument, contract or other obligation
or any order, arbitration award, judgment or decree to which the Shareholder is a party or by which the Shareholder or his or
her property or assets is bound, or any statute, rule or regulation to which the Shareholder or his or her property or assets
is subject. Except as contemplated by this Agreement, neither the Shareholder nor any of his or her affiliates (1) has entered
into any voting agreement or voting trust with respect to any Shares or entered into any other contract relating to the voting,
transfer or disposition of the Shares or (2) has appointed or granted a proxy or power of attorney with respect to any Shares.

  (v)             Ownership of Shares. Except for restrictions in favor of Parent pursuant to this Agreement, the Shareholder beneficially
owns all of the Shareholder’s Shares free and clear of any proxy or voting restriction, and has sole voting power and sole
power of disposition with respect to such Shares with no restrictions on the Shareholder’s rights of voting or disposition
pertaining thereto, and no person other than the Shareholder has any right to direct or approve the voting or disposition of any
of the Shareholder’s Shares. As of the date hereof, the number of the Shareholder’s Shares is set forth below the
Shareholder’s signature on the signature page hereto.

    	3

    	 

    

  (vi)            Legal Actions. There is no action, suit, investigation, complaint or other proceeding pending against the Shareholder
or, to the knowledge of the Shareholder, any other person or, to the knowledge of the Shareholder, threatened against the Shareholder
or any other person that restricts or prohibits (or, if successful, would restrict or prohibit) the exercise by Parent of its
rights under this Agreement or the performance by any party of its obligations under this Agreement.

(b)            Covenants. From the date hereof until the Expiration Time:

  (i)              The Shareholder agrees not to take any action that would make any representation or warranty of the Shareholder contained
herein untrue or incorrect or have the effect of preventing, impeding, delaying, interfering with or adversely affecting the performance
by the Shareholder of his or her obligations under this Agreement.

  (ii)             The Shareholder hereby agrees to promptly notify Parent of the number of shares of Company Common Stock acquired by the
Shareholder and over which the Shareholder exercises sole rights of disposition and voting, if any, after the date hereof. Any
such shares shall be subject to the terms of this Agreement as though owned by the Shareholder on the date hereof and shall be
deemed “Shares” for all purposes hereof.

  (iii)            The Shareholder hereby authorizes Parent and the Company to publish and disclose in any announcement or disclosure required
by applicable law and any proxy statement or prospectus filed in connection with the transactions contemplated by the Merger Agreement
the Shareholder’s identity and ownership of the Shares and the nature of the Shareholder’s obligation under this Agreement.

Section
3.               Further Assurances. From time to time, at the request of Parent and without further consideration, the Shareholder
shall execute and deliver such additional documents and take all such further action as may be necessary to consummate and make
effective the transactions contemplated by this Agreement.

Section
4.               
Capacity.

(a)            The
Shareholder does not make any agreement or understanding herein as an officer or a director of the Company. The Shareholder signs
this Agreement solely in the Shareholder’s capacity as an Owner of the Shares, and nothing herein shall limit or affect
any actions taken in the Shareholder’s capacity as an officer or a director of the Company, including complying with or
exercising such Shareholder’s fiduciary duties as a member of the Board of Directors of the Company.

(b)            The
term “Shares” shall not include any securities beneficially owned by the Shareholder as a trustee or fiduciary,
and this Agreement is not in any way intended to affect the exercise by the Shareholder of his or her fiduciary responsibility
in respect of any such securities.

    	4

    	 

    

Section
5.               Termination. Other than this Section 5 and Section 6, which shall survive any termination of this Agreement, this
Agreement will terminate upon the earlier of (a) the Effective Time, as defined in Merger Agreement, (b) the date of termination
of the Merger Agreement in accordance with its terms or (c) the effectiveness of a written agreement executed by the parties hereto
to terminate this Agreement (the earliest of such times, the “Expiration Time”); provided that no such
termination shall relieve any party hereto from any liability for any breach of this Agreement occurring prior to such termination.

Section
6.                Miscellaneous.

(a)            Expenses. All expenses incurred in connection with this Agreement and the transactions contemplated by this Agreement
shall be paid by the party incurring such expenses.

(b)            Notices. Any notice required to be given hereunder shall be sufficient if in writing, and sent by email or facsimile
transmission (with confirmation), by reliable overnight delivery service (with proof of service), hand delivery or certified or
registered mail (return receipt requested and first-class postage prepaid), addressed as follows:

  (i)              If to Parent, to:

			

		Attention:	Thomas J. Kemly

			President
                                         and Chief Executive Officer

		Telephone:	(201) 794-5636

		E-mail:	tkemly@columbiabankonline.com

  with
a copy (which shall not constitute notice) to: 

		Attention:	Christina M. Gattuso, Esq.

			Kilpatrick
                                         Townsend & Stockton LLP

		Telephone:	(202) 508-5884

		Fax:	(202) 204-5611

		E-mail:	cgattuso@kilpatricktownsend.com

  (ii)              
If to the Shareholder, to the address of the Shareholder set forth below the Shareholder’s signature on the signature
pages hereto; and

  (iii)            
If to the Company, to:

		Attention:	Paul Van Ostenbridge

			President
                                         and Chief Executive Officer

		Telephone:	(201) 444-7100

		E-mail:	pvanostenbridge@asbnow.com

    	5

    	 

    

  with
a copy (which shall not constitute notice) to: 

		Attention:	Michael Horn, Esq.

			McCarter
                                         & English LLP

		Telephone:	(973) 639-2029

		Fax:	(973) 297-3817

		E-mail:	mhorn@mccarter.com
	 	 	 
	 	and	 

 

		Attention:	Michele Vaillant, Esq.

			McCarter
                                         & English LLP

		Telephone:	(973) 639-2011

		Fax:	(973) 297-3826

		E-mail:	mvaillant@mccarter.com

(c)            Amendments, Waivers, Etc. This Agreement may not be amended, changed, supplemented, waived or otherwise modified
or terminated except by an instrument in writing signed by each of the parties hereto.

(d)            Successors and Assigns. No party hereto may assign any of its rights or delegate any of its obligations under this
Agreement without the prior written consent of the other party hereto, except Parent may, without the consent of the Shareholder
or the Company, assign any of Parent’s rights and delegate any of Parent’s obligations under this Agreement to any
affiliate of Parent. Subject to the preceding sentence, this Agreement shall be binding upon and shall inure to the benefit of
and be enforceable by the parties and their respective successors and assigns, including without limitation any corporate successor
by merger or otherwise. Notwithstanding any Transfer of shares of Company Common Stock consistent with this Agreement, the transferor
shall remain liable for the performance of all obligations of transferor under this Agreement.

(e)            Third Party Beneficiaries. Nothing expressed or referred to in this Agreement will be construed to give any person,
other than the parties to this Agreement and their respective successors and permitted assigns, any legal or equitable right,
remedy or claim under or with respect to this Agreement or any provision of this Agreement.

(f)             No Partnership, Agency, or Joint Venture. This Agreement is intended to create, and creates, a contractual relationship
and is not intended to create, and does not create, any agency, partnership, “group” (as such term is used in Section
13(d) of the Exchange Act), joint venture or any like relationship between the parties hereto.

(g)            Entire Agreement. This Agreement embodies the entire agreement and understanding among the parties hereto relating
to the subject matter hereof and supersedes all prior agreements and understandings relating to such subject matter.

(h)            Severability. If any term or other provision of this Agreement is invalid, illegal or incapable of being enforced
by any rule or law, or public policy, all other terms and provisions of this Agreement shall nevertheless remain in full force
and effect so long as the economic or legal substance of the transactions contemplated hereby is not affected in any manner materially
adverse to any party hereto. Upon such determination that any term or other provision is invalid, illegal or incapable of being
enforced, the parties hereto shall negotiate in good faith to modify this Agreement so as to effect the original intent of the
parties as closely as possible in an acceptable manner to the end that the transactions contemplated hereby are fulfilled to the
extent possible.

    	6

    	 

    

(i)             Specific Performance; Remedies Cumulative. The parties hereto acknowledge that money damages are not an adequate
remedy for breaches of this Agreement, that any breach of this Agreement would cause irreparable harm to the non-breaching party
and that any party, in addition to any other rights and remedies which the parties may have hereunder or at law or in equity,
may, in its sole discretion, apply to a court of competent jurisdiction for specific performance or injunction or such other relief
as such court may deem just and proper in order to enforce this Agreement or prevent any violation hereof and, to the extent permitted
by applicable law, each party waives any objection to the imposition of such relief. All rights, powers and remedies provided
under this Agreement or otherwise available in respect hereof at law or in equity shall be cumulative and not alternative, and
the exercise or beginning of the exercise of any such right, power or remedy by any party shall not preclude the simultaneous
or later exercise of any other such rights, powers or remedies by such party.

(j)             No Waiver. The failure of any party hereto to exercise any right, power or remedy provided under this Agreement
or otherwise available in respect hereof at law or in equity, or to insist upon compliance by any other party hereto with its
obligations hereunder, and any custom or practice of the parties at variance with the terms hereof, shall not constitute a waiver
by such party of its right to exercise any such or other right, power or remedy or to demand such compliance.

(k)            Governing Law. This Agreement and all disputes or controversies arising out of or relating to this Agreement or
the transactions contemplated hereby shall be governed by, and construed in accordance with, the internal laws of the State of
Delaware, without regard to any applicable conflicts of law principles (except that matters relating to the Shareholder’s
fiduciary duties as a member of the Board of the Directors of the Company shall be subject to the laws of the State of New Jersey).

(l)             Submission to Jurisdiction. The parties hereto agree that any suit, action or proceeding brought by either party
to enforce any provision of, or based on any matter arising out of or in connection with, this Agreement or the transactions contemplated
hereby shall be brought in any federal or state court located in the State of Delaware. Each of the parties hereto submits to
the jurisdiction of any such court in any suit, action or proceeding seeking to enforce any provision of, or based on any matter
arising out of, or in connection with, this Agreement or the transactions contemplated hereby, and hereby irrevocably waives the
benefit of jurisdiction derived from present or future domicile or otherwise in such action or proceeding. Each party hereto irrevocably
waives, to the fullest extent permitted by law, any objection that it may now or hereafter have to the laying of the venue of
any such suit, action or proceeding in any such court or that any such suit, action or proceeding brought in any such court has
been brought in an inconvenient forum.

    	7

    	 

    

(m)           Waiver of Jury Trial. EACH PARTY HERETO ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY THAT MAY ARISE UNDER THIS AGREEMENT
IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH PARTY HEREBY KNOWINGLY, INTENTIONALLY AND VOLUNTARILY
IRREVOCABLY AND UNCONDITIONALLY WAIVES ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION, DIRECTLY
OR INDIRECTLY, ARISING OUT OF, OR RELATING TO, THIS AGREEMENT, OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH PARTY
CERTIFIES AND ACKNOWLEDGES THAT (A) NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE,
THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (B) EACH PARTY UNDERSTANDS
AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER AND (C) EACH PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG
OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS Section.

(n)            Drafting and Representation. The parties hereto have participated jointly in the negotiation and drafting of this
Agreement. No provision of this Agreement will be interpreted for or against any party because that party or its legal representative
drafted the provision.

(o)            Name, Captions, Gender. Section headings of this Agreement are for reference purposes only and are to be given no
effect in the construction or interpretation of this Agreement. Whenever the context may require, any pronoun used herein shall
include the corresponding masculine, feminine or neuter forms.

(p)            Counterparts. This Agreement may be executed by facsimile or other electronic means and in any number of counterparts,
each of which shall be deemed to be an original, but all of which together shall constitute one instrument. Each counterpart may
consist of a number of copies each signed by less than all, but together signed by all, the parties hereto.

[Signature
Pages Follow]

    	8

    	 

    

IN
WITNESS WHEREOF, the parties hereto have duly executed and delivered this Agreement as of the date and year first written above.

	 	 	 
	 	COLUMBIA
    FINANCIAL, INC.
	 	 	 
	 	By: 	 
	 		Name: Thomas J. Kemly
	 	 	Title:   President and Chief
    Executive Officer
	 	 	 
	 	STEWARDSHIP
    FINANCIAL CORPORATION
	 	 	 
	 	By:	 
	 		Name: Paul Van Ostenbridge
	 	 	Title:   President and Chief
    Executive Officer

[Signature
Page to Voting Agreement]

    	 

    	 

    

IN
WITNESS WHEREOF, the parties hereto have duly executed and delivered this Agreement as of the date and year first written above.

	 	 	 
	 	SHAREHOLDER
	 	 	 
	 	 	 
	 	Signature	 
	 	 	 
	 	 	 
	 	Print name	 
	 	 	 
	 	Number of Shares of Company
    Common
	 	Stock:	 
	 	 	 
	 	Address:	 
	 	 	 
	 	 	 
	 	Facsimile:	 
	 	 	 
	 	Email:	 

 

[Signature Page to Voting
Agreement]

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