Document:

First Amendment to Lease

 Exhibit 10.17 
 FIRST AMENDMENT TO LEASE 
 Domain Gateway I, LP, 

Landlord, 
 and

 OneWest Bank, FSB, 
 Tenant 

 FIRST AMENDMENT TO LEASE 

This First Amendment to Lease (“First Amendment”) is entered into by and between Domain Gateway 1, LP, a Texas
limited partnership (“Landlord”) and OneWest Bank, FSB, a Federally Chartered Savings Bank (“Tenant”) and is as follows: 
 RECITALS 

A.         Landlord and Tenant entered into that certain “Lease”
with a Lease Reference Date of April 9, 2009 (the “Existing Lease”), pursuant to which Landlord leased to Tenant and Tenant leased from Landlord approximately l73,962 square feet of office space comprising Suite Nos. 100, 200, 300,
400 and 500 in the building located at 2900 Esperanza Crossing, Austin, Texas 78758 (the “Premises”); and 
 B.         Landlord and Tenant now mutually desire, pursuant to this First Amendment to make certain modifications to the Existing Lease and to enter into
certain additional agreements, all as set forth below in this First Amendment; and 

C.         The Existing Lease, as amended by this First Amendment, is
referred to in this First Amendment as the “Amended Lease”: 
 NOW, THEREFORE, for and in
consideration of the mutual covenants and agreements contained in this First Amendment and in the Existing Lease, Landlord and Tenant hereby covenant and agree as follows: 

1.         Defined Terms. All terms defined in the Existing Lease and
delineated in this First Amendment by initial capital letters shall have the same meanings in this First Amendment as are ascribed to such terms in the Existing Lease, except to the extent that the meaning of any such term is specifically modified
by the provisions of this First Amendment. Terms not defined in the Existing Lease but defined in this First Amendment will, when delineated with initial capital letters, have the meanings ascribed to such terms in this First Amendment. Terms and
phrases which are not delineated by initial capital letters shall have the meanings commonly ascribed thereto. 

2.         Security Deposit. Landlord hereby releases Tenant from the
obligation to post the $489,992.96 cash component of the Security Deposit referenced in the Existing Lease. The letter of credit which Tenant is required to post under the Existing Lease is referred to in the Existing Lease and also in this First
Amendment as the “Letter of Credit”. Tenant has caused the Federal Home Loan Bank of San Francisco to issue to Landlord a $7,500,000.00 irrevocable letter of credit in the form of Exhibit “H” attached to this First
Amendment and Landlord has accepted this letter of credit as the “Letter of Credit” under the Amended Lease. The term “Security Deposit”, as utilized in the Existing Lease, is hereby amended to refer to: (a) the Letter of
Credit; and (b) any sums drawn by Landlord under the Letter of Credit. Exhibit “H” attached to the Existing Lease is hereby amended, superseded and replaced in its entirety with Exhibit “H” attached to this
First Amendment and Article 5 of the Existing Lease is hereby amended, superseded and replaced in its entirety with the following: 
    5.         SECURITY DEPOSIT. 

  5.1        The Security Deposit
shall be held by Landlord as security for the faithful performance by Tenant of all the terms, covenants and conditions of this Lease to be kept and performed by Tenant and not as an advance rental deposit or as a measure of Landlord’s damage
in case of Tenant’s default. Upon the occurrence of an “Event of Default” (hereinafter defined), Landlord may use any part of the Security Deposit for the payment of any rent or any other sum in default, or for the payment of any
amount which Landlord may spend or become obligated to spend by reason of Tenant’s default, or to compensate Landlord for any other loss or damage which Landlord may suffer by reason of Tenant’s default. If any portion is so used, Tenant
shall within ten (10) days after written demand therefor, deposit with Landlord cash or other readily available funds in an amount sufficient to restore the Security Deposit to its original amount and Tenant’s failure to do so shall be a
material breach of this Lease. Landlord shall be 

  
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required to keep the Security Deposit separate from its general funds, but Tenant shall not be entitled to interest on the Security Deposit. If Tenant shall fully and faithfully perform every
provision of this Lease to be performed by it, the Security Deposit or any balance thereof shall be returned to Tenant within thirty (30) days after termination of this Lease. 

5.2        Upon the occurrence of an Event of
Default, Landlord may draw the full amount of the Letter of Credit and apply the funds received by Landlord (the “Drawn Funds”) toward the payment of any amount owed by Tenant under this Lease. Thereafter, any remaining Drawn Funds shall
be held by Landlord as a cash Security Deposit and Tenant shall, within ten (10) days after written demand therefor, deposit with Landlord cash or other readily available funds in an amount equal to the funds expended by Landlord out of the
Drawn Funds, so as to restore the Security Deposit to its original amount and Tenant’s failure to do so shall be a material breach of this Lease. Provided Landlord has not terminated this Lease or Tenant’s right to possession of the Leased
Premises and provided Tenant has cured each Event of Default under this Lease, then, in the alternative. Tenant may provide Landlord with a new Letter of Credit (in the same form as the initial Letter of Credit from the issuer of the initial Letter
of Credit and in the amount then required under this Lease) and upon receipt of the new Letter of Credit, Landlord shall pay the portion of the Drawn Funds not applied under this Section 5.2 to Tenant or to Tenant’s lender, as directed by
Tenant. Partial and multiple drawings are permitted under the Letter of Credit. 
 5.3        The initial one hundred twenty (120) month Term of this Lease is sometimes referred to in this Lease as the “initial Term”. During the
first thirty-six (36) months of the Initial Term, the amount of the Letter of Credit will remain at Seven Million Five Hundred Thousand and No/100 Dollars ($7,500,000.00). Thereafter, provided Tenant is in compliance with the “Financial
Benchmark” (hereinafter defined) and is not in default of any of its obligations under this Lease, then on each applicable reduction date, the amount of the Letter of Credit will be reduced by Nine Hundred Thirty-Seven Thousand Five Hundred and
No/100 Dollars ($937,500.00) on the final day of the thirty-sixth (36th) month of the Initial Term and on the final day of each subsequent twelve (12) month period during the Initial Term; provided, however, if a reduction is prevented
because of a default by Tenant which is covered by Section 18.1.1 or Section 18.1.2 of this Lease and Tenant cures the default before it becomes an Event of Default, then the reduction will occur after Tenant cures the default. Finally, if
Tenant does not exercise either of the Downsizing Options available to Tenant under Section 41.6 of this Lease, then the Letter of Credit will be returned to Tenant after the expiration of the notice period for Tenant’s exercise of the
second Downsizing Option in month 87 of the Term. For purposes hereof, the “Financial Benchmark” shall mean that Tenant shall maintain a minimum tangible net worth of at least One Billion and No/100 Dollars ($1,000,000,000.00) as
demonstrated by Tenant to Landlord’s reasonable satisfaction. 

5.4        If the issuer of the Letter of Credit
is placed into receivership or if at any time the issuer of the Letter of Credit does not satisfy the Financial Benchmark, then Landlord may deliver a written notice to Tenant demanding that the Letter of Credit be replaced by a new Letter of Credit
drafted on similar form or other form reasonably acceptable to Landlord and issued by a financial institution which meets the Financial Benchmark and is reasonably acceptable to Landlord. Thereafter, Tenant will cause the Letter of Credit to be
replaced in the manner reasonably required by Landlord, within thirty (30) days after the delivery of Landlord’s notice to Tenant. If Tenant fails to replace the Letter of Credit in the manner required hereunder within such thirty
(30) day period, then (notwithstanding any provision in Section 18.1.2 or elsewhere in this Lease to the contrary) an Event of Default on the part of Tenant shall be deemed to have occurred under this Lease and Landlord will be entitled to
immediately draw upon the Letter of Credit. 

5.5        Tenant acknowledges and agrees that
Landlord is incurring certain “Up Front Costs” (as defined in Section 19.3 below) and, but for the agreements of Tenant in this Lease, (including without limitation, the agreement of Tenant to post the Security Deposit),

  
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Landlord would not agree to enter into this Lease. Tenant agrees and acknowledges that no funds drawn from the Security Deposit will be considered or deemed to be an advance payment of rent,
liquidated damages, or a limitation on, or measurement of, Landlord’s damages resulting from the occurrence of an Event of Default under this Lease. Landlord may, without prejudice to any other right or remedy under this Lease, use the Security
Deposit to: (a) reimburse Landlord for the Up Front Costs Repayment Amount (as defined in Section 19.3 below); (b) pay any arrearages in rent or any other sum owing by Tenant under this Lease; and (c) pay or reimburse Landlord
for any other damage, injury, expense or liability of Landlord arising from any Event of Default by Tenant under this Lease. Any sums utilized to reimburse Landlord for the Up Front Costs under item (a) above will be applied against and in
reduction of any sums which are paid to or collected by Landlord under items (b) and/or (c) above and all Drawn Funds which are collected by or delivered to Landlord in connection with the Letter of Credit which are in excess of the total
amounts of the sums payable under items (b) and/or (c) will be become a cash Security Deposit under this Lease. Thereafter, Landlord will hold and disburse the Drawn Funds under the terms and provisions of this Article 5 and Tenant shall,
within ten (10) days after written demand therefor, deposit with Landlord cash or other readily available funds in an amount sufficient to restore the Security Deposit to its full required amount (and Tenant’s failure to do so shall be a
material breach of this Lease). 

5.6        Subject to the provisions of
Section 5.3 above, Tenant shall keep the Letter of Credit in full force and effect until the date which is thirty (30) days after the expiration of the Initial Term. If at any time, the Letter of Credit is not renewed at least thirty
(30) days prior to its expiration date or replaced at least thirty (30) days prior to its expiration date with a replacement Letter of Credit in form acceptable to Landlord issued by a financial institution which is acceptable to Landlord
and which satisfies the Financial Benchmark, then and in either such event, Landlord may draw the full amount of the Letter of Credit, in which event all of the Drawn Funds will become a cash Security Deposit. Thereafter, provided Landlord has not
terminated this Lease or Tenant’s right to possession of the Leased Premises and provided Tenant has cured each Event of Default under this Lease, Tenant may provide Landlord with a new Letter of Credit in the amount then required under this
Lease which is in form reasonably acceptable to Landlord and is issued by a financial institution reasonably satisfactory to Landlord which satisfies the Financial Benchmark. Upon receipt of a new Letter of Credit which satisfies all of the
foregoing requirements, Landlord shall pay the portion of the Drawn Funds not applied under the terms of this Article 5 to Tenant or to Tenant’s lender, as directed by Tenant. 

3.         Subordination, Non-Disturbance and Attornment Agreement.
Landlord, Tenant and Landlord’s lender are, concurrently with the execution of this First Amendment, executing and delivering a Subordination, Non- Disturbance and Attornment Agreement in the form of Exhibit “D” attached to
this First Amendment and incorporated herein by reference, Exhibit “D” attached to the Existing Lease is hereby amended, superseded and replaced in its entirety with Exhibit “D” attached to this First Amendment and
all references in the Existing Lease to the “SNDA” shall mean and refer to the Subordination, Non-Disturbance and Attornment Agreement executed by Landlord, Tenant and Landlord’s lender in the form of Exhibit “D”
attached to this First Amendment. Section 15 of the Existing Lease is hereby eliminated from the Existing Lease in its entirety. 
 4.         Building Two ROFO. Tenant acknowledges receipt of the right of first offer from RREEF Domain, L.P., a full and complete copy of which is
attached to this First Amendment as Exhibit “I” and is incorporated herein by reference. Exhibit “I” attached to the Existing Lease is hereby amended, superseded and replaced in its entirety with Exhibit
“I” attached to this First Amendment and all references in the Existing Lease to the “ROFO” shall mean and refer to the instrument attached to this First Amendment as Exhibit “I”. 

5.         Landlord Letter of Credit. 

 a.        If Tenant exercises the Expansion Building
Expansion Option under Section 41.9 of the Existing Lease and Landlord and Tenant enter into the Expansion Building Lease Agreement under the terms of Section 41.9.4 of the Existing Lease, then Landlord will, within ten (10) days
after the execution and delivery of the Expansion Building Lease Agreement, cause to be delivered to Tenant an irrevocable 

  
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letter of credit securing Landlord’s obligations under Sections 41.9.6.1 and 41.9.6.2 of the Existing Lease (the “Landlord Letter of Credit”). Landlord will have no obligation to
deliver the Landlord Letter of Credit until and unless Landlord and Tenant enter into the Expansion Building Lease Agreement. If Landlord fails to deliver the Landlord Letter of credit to Tenant during the 10-day period referenced above, then
Tenant may elect to terminate the Expansion Building Lease Agreement if and only if Tenant delivers a written notice of termination to Landlord within thirty (30) days after the expiration of that 10-day period. 

 b.        The Landlord Letter of credit must: (i) be
issued by a financial institution reasonably acceptable to Tenant which meets the Financial Benchmark; (ii) be in form reasonably acceptable to Tenant; and (iii) be issued for an amount equal to the greater of 1,000,000.00 or the product
of the number of square feet of floor area in the Expansion Building Expansion Space multiplied by $15.40. 
  c.        If: (i) Landlord fails to meet Test A, (ii) Landlord fails to pay Tenant the liquidated damages which are payable to Tenant under
Section 41.9.6.1 of the Existing Lease and (iii) Tenant’s right to offset those liquidated damages against amounts thereafter coming due under the Amended Lease is not available to Tenant due to a foreclosure of liens against the
Building, then Tenant will have the right to draw upon the Landlord Letter of Credit in an amount equal to any unpaid portion of the liquidated damages then payable by Landlord to Tenant under Section 41.9.6.1 of the Existing Lease. If all of
the conditions listed in the immediately preceding sentence are not met, then Tenant will have no right under this Section 5.c. to draw any funds under the Landlord Letter of Credit. 

 d.        If: (i) Landlord fails to meet Test B and
(ii) the abatement of amounts payable under the Existing Lease provided for in Section 41.9.6.2 of the Existing Lease is not available to Tenant due to a foreclosure of liens against the Building, then Tenant will have the right, from time
to time, to draw against the Landlord Letter of Credit in amounts equal to the abatements which would otherwise be available to Tenant under Section 41.9.6.2 of the Existing Lease. If all of the conditions set out in the immediately preceding
sentence are not met, then Tenant will have no right under this Section 5.d. to draw any funds under the Landlord Letter of Credit. 
  e.        If the issuer of the Landlord Letter of Credit is placed into receivership or if at any time the issuer of the Landlord Letter of Credit does not
satisfy the Financial Benchmark, then Tenant may deliver a written notice to Landlord demanding that the Landlord Letter of Credit be replaced by a new Landlord Letter of Credit drafted on similar form or other form reasonably acceptable to Tenant
and issued by a financial institution which meets the Financial Benchmark and is reasonably acceptable to Tenant. Thereafter, Landlord will cause the Landlord Letter of Credit to be replaced in the manner reasonably required by Tenant, within thirty
(30) days after the delivery of Tenant’s notice to Landlord. If Landlord fails to replace the Landlord Letter of Credit in the manner required hereunder within such thirty (30) day period, then (notwithstanding any provision in
Section 50.1 or elsewhere in this Lease to the contrary) a default on the part of Landlord shall be deemed to have occurred under this Lease and Tenant will be entitled to immediately draw upon the Landlord Letter of Credit. 

 f.        Subject to the provisions of Sections 5(g) and
5(h) below, Landlord shall keep the Landlord Letter of Credit in full force and effect until Test A and Test B have both been met. If at any time, the Landlord Letter of Credit is not renewed at least thirty (30) days prior to its expiration
date or replaced at least thirty (30) days prior to its expiration date with a replacement Landlord Letter of Credit in form acceptable to Tenant issued by a financial institution which is acceptable to Tenant and which satisfies the Financial
Benchmark, then and in either such event, Tenant may draw the full amount of the Landlord Letter of Credit. If Tenant draws on the Landlord Letter of Credit and if Tenant has not terminated this Lease and Landlord has cured each default on the part
of Landlord under this Lease, then Landlord may provide Tenant with a new Landlord Letter of Credit in the amount then required under this Lease which is in form reasonably acceptable to Tenant and is issued by a financial institution reasonably
satisfactory to Tenant which satisfies the Financial Benchmark. Upon receipt of a new Landlord Letter of Credit which satisfies all of the foregoing requirements, Tenant shall pay the portion of the funds drawn under the Landlord Letter of Credit
which have not been applied under Section 5(c) or 5(d) of this First Amendment to Landlord or to Landlord’s lender, as directed by Landlord. 

  
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  g.        After Landlord satisfies Test A under
Section 41.9.6 of the Existing Lease, the amount of the Letter of Credit will be reduced to an amount equal to the product of the number of rentable square feet of floor space within the Expansion Building Expansion Space multiplied by $15.40,
if such amount is less than $1,000,000.00. 

  h.        The Landlord Letter of Credit shall be
returned to Landlord upon the first to occur of the following events: (i) Landlord’s failure to meet Test A and Tenant’s receipt of all sums payable to Tenant as a result of such failure (whether through payment of liquidated damages
by Landlord or an offset against sums owing under the Existing Lease as allowed under Section 41.9.6.1 of the Existing Lease, or otherwise); (ii) Landlord’s failure to meet Test B and Tenant’s receipt of all sums payable to
Tenant as a result of such failure (whether by Tenant’s receipt of abatements against sums owing under the Existing Lease as allowed under Section 41.9.6.2 of the Existing Lease, or otherwise); or (iii) Landlord’s satisfaction of
both Test A and Test B. 
   i.        If
Tenant draws any funds under the Landlord Letter of Credit, then any remaining funds which have not been applied by Tenant under Section 5(c) or 5(d) of this First Amendment shall be returned to Landlord upon the first to occur of the events
listed in subparts (i), (ii) or (iii) of Section 5(h) of this First Amendment. 

6.        Effect of Amendment. Except as specifically amended by the
provisions of this First Amendment, the terms and provisions stated in the Existing Lease shall continue to govern the rights and obligations of Landlord and Tenant thereunder, and all provisions and covenants of the Existing Lease, as amended
hereby, shall remain in full force and effect. The terms of and provisions of the Existing Lease, as amended by this First Amendment, are hereby ratified and confirmed, and this First Amendment and the Existing Lease shall be construed as one
instrument. In that regard, this First Amendment and the Existing Lease, including all exhibits to such documents, constitute the entire agreement between the parties relative to the subject matter hereof and supersede all prior and contemporaneous
agreements and understandings of the parties in connection therewith. In the event of any inconsistency, the terms and provisions of this First Amendment shall control over and modify the terms and provisions of the Existing Lease. 

7.        Execution. To facilitate execution, this First Amendment may be
executed in any number of counterparts as may be convenient or necessary, and it shall not be necessary that the signatures of all parties be contained in any one counterpart hereof. Additionally, Landlord and Tenant hereby covenant and agree that,
for purposes of facilitating the execution of this First Amendment: (a) the signature pages taken from separate individually executed counterparts of this First Amendment may be combined to form multiple fully executed counterparts; and
(b) a facsimile signature or a signature delivered by electronic mail shall be deemed to be an original signature for all purposes. All executed counterparts of this First Amendment shall be deemed to be originals, but all such counterparts,
when taken together, shall constitute one and the same agreement. 
 EXECUTED by Landlord and Tenant on the
counterpart signature pages attached hereto, each to be effective as of April 20, 2009. 

  
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 COUNTERPART SIGNATURE PAGE FOR ATTACHMENT TO 

FIRST AMENDMENT TO LEASE 
 BY AND BETWEEN DOMAIN GATEWAY I, LP (“LANDLORD”) 
 AND
ONEWEST BANK, FSB (“TENANT”) 
 Executed by the undersigned on the date set forth hereinbelow,
to be effective as of April 20, 2009. 
  

											
	 LANDLORD:
	 		 	 DOMAIN GATEWAY I,LP, a Texas limited partnership

				
		 		 	 By:
	    	 RREEF DOMAIN GP, LLC, a Delaware limited

liability company, its General Partner

					
		 		 		    	 By:
	 	 /s/ Michael J. Dunigan

		 		 		    	 Printed Name:
	 	 Michael J. Dunigan

		 		 		    	 Title:
	 	 Ass’t Vice President

						
		 		 		    		 	   Date:
	 	 April 20, 2009

  
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 COUNTERPART SIGNATURE PAGE FOR ATTACHMENT TO 

FIRST AMENDMENT TO LEASE 
 BY AND BETWEEN DOMAIN GATEWAY I, LP (“LANDLORD”) 
 AND
ONEWEST BANK, FSB (“TENANT”) 
 Executed by the undersigned on the date set forth hereinbelow,
to be effective as of April 20, 2009. 
  

													
	 TENANT:
	 		 	 ONEWEST BANK, FSB, a Federally Chartered Savings Bank

				
		 		 	 By:
	 	 /s/ Kennith R Horner

		 		 	 Printed
	 	 Name:
	 	 Ken Horner

		 		 	 Title:
	 	 EVP

					
		 		 		 	 Date:
	 	 April 20, 2009

  
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 EXHIBIT “D” 

SUBORDINATION, NON-DISTURBANCE AND ATTORNMENT AGREEMENT 

This SUBORDINATION, NON-DISTURBANCE AND ATTORNMENT AGREEMENT (this “Agreement”) dated as of the 20th day of
April, 2009 between NATIONAL CITY BANK, a national banking association (“Lender”), and ONEWEST BANK, FSB, a federally chartered savings bank (“Tenant”). 
 RECITALS: 
 A.
        Tenant has entered into a Lease dated April 9, 2009, as amended by First Amendment to Lease dated effective as of the same date as the date of this Agreement (the “Lease”) with DOMAIN
GATEWAY I, LP, a Texas limited partnership (“Landlord”) covering certain premises more fully described in the Lease (the “Premises”), which Premises are located at 2900 Esperanza Crossing in the City of Austin, Texas 78758 and
legally described on Exhibit “A”, attached hereto and made a part hereof (the “Property”); 
 B.         Lender has made a loan to Landlord secured by a Deed of Trust, Assignment of Rents, Security Agreement and Financing Statement on the Property (the
“Security Instrument”); and 
 C.         Tenant has agreed to
the subordination of the Lease to the Security Instrument on the condition that it is assured of continued occupancy of the Premises under the terms of the Lease and this Agreement. 

NOW, THEREFORE, in consideration of the mutual promises, covenants and agreements herein contained, the parties hereto,
intending to be legally bound hereby, promise, covenant and agree as follows: 
 1.
         The Lease and all estates, rights, options, liens and charges therein contained or created under the Lease are and shall be subject and subordinate to the lien and effect of the Security
instrument insofar as it affects the real and personal property (excluding any personal property owned by Tenant) of which the Premises form a part, and to all renewals, modifications, consolidations, replacements and extensions thereof, and to all
advances made or to be made thereunder, to the full extent of amounts secured thereby and interest thereon. 

2.          In the event Lender takes possession of the Property, as
mortgagee-in-possession or otherwise, or forecloses the Security Instrument or otherwise causes the Property to be sold pursuant to the Security Instrument, Lender agrees not to affect, terminate or disturb Tenant’s right to quiet enjoyment and
possession of the Premises under the terms of the Lease or any of Tenant’s other rights under the Lease in the exercise of Lender’s rights under the Security Instrument so long as Tenant is not then in default under any of the terms,
covenants or conditions of the Lease or this Agreement (beyond any applicable grace or cure period set forth in the Lease). 

  
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 3.       In the event that Lender succeeds to
the interest of the Landlord under the Lease and/or Landlord’s fee title to the Property, or if anyone else acquires title to or the right to possession of the Property upon the foreclosure of the Security Instrument or by other sale pursuant
to the Security Instrument, or upon the sale of the Property by Lender or its successors or assigns after foreclosure or other sale pursuant to the Security Instrument or acquisition of title in lieu thereof or otherwise, Lender or its successors or
assigns or the then owner of Landlord’s fee title to the Property after foreclosure or other sale pursuant to the Security Instrument (hereinafter collectively referred to in this paragraph as “Successor Landlord”) and Tenant hereby
agree to recognize one another as landlord and tenant, respectively, under the Lease and to be bound to one another under all of the terms, covenants and conditions of the Lease, and Successor Landlord shall assume all of the obligations of the
Landlord under the Lease; provided, however, Tenant shall be under no obligation to pay rent to Successor Landlord until Tenant receives written notice from Successor Landlord that Landlord is in default under the Loan or that Successor Landlord has
succeeded to the interests of Landlord under the Lease. Accordingly, from and after such event, Successor Landlord and Tenant shall have the same remedies against each other for the breach of an agreement contained in the Lease as Tenant and
Landlord had before Successor Landlord succeeded to the interest of the Landlord; provided, however, that Successor Landlord shall not be: 
 (a)         liable for any act or omission of any prior landlord (including Landlord) unless the act or omission is of a continuing nature and Successor Landlord
has been given written notice thereof pursuant to Paragraph 5(b) of this Agreement and a reasonable opportunity to cure the same; or 
 (b)         subject to any offsets or defenses that Tenant might have against any prior landlord (including Landlord), except for offsets and defenses expressly
provided for in the Lease; or 
 (c)         bound by any rent or
additional rent that Tenant might have paid for more than one month in advance to any prior landlord (including Landlord) unless such rent or additional rent was actually received by Successor Landlord provided that this clause shall not prevent or
limit the reconciliation of operating expenses and taxes under the express terms of the Lease; or 
 (d)
        bound by any amendment or modification of the Lease made after the date of this Agreement (i) without Lender’s prior written consent, and (ii) that would reduce the rent payable under
the Lease or the term thereunder or would reduce the size of the Premises or would otherwise have a material adverse effect on the economic benefits or legal rights inuring to Landlord under the Lease, except in all cases for any amendment,
modification, assignment or sublease that is expressly provided for under the Lease (any such amendment described in (i) or (ii) being referred to as a “Prohibited Amendment”); or 

(e)         liable for return of any security deposit except to the extent it has
been received by the Successor Landlord and not applied pursuant to the terms of the Lease; or 
 (f)
        obligated to perform any of Landlord’s obligations under Section 41.9 of the Lease or to recognize or allow any of Tenant’s offset and rent abatement rights provided under Sections
41.9.6.1 and 41.9.6.2 of the Lease. 

  
 D-2

 4.       Although the foregoing provisions of
this Agreement shall be self-operative, Tenant agrees to execute and deliver to Lender or to any person to whom Tenant herein agrees to attorn, such other instrument or instruments as Lender or such other person shall from time to time reasonably
request in order to confirm such provision. 
 5.       Tenant hereby warrants and
represents, covenants and agrees to and with Lender: 

 (a)        not to alter or modify the Lease in any respect that would
constitute a Prohibited Amendment without prior written consent of Lender which shall not be unreasonably withheld; 
  (b)        to deliver to Lender at the address indicated above a duplicate of each notice of default delivered to Landlord at the same time as such notice is
given to Landlord; 
  (c)        that Tenant is now the sole owner
of the leasehold estate created by the Lease and shall not hereafter transfer the Lease except as permitted by the terms thereof; 
  (d)        not to seek to terminate the Lease by reason of any default of Landlord without prior written notice thereof to Lender and the lapse thereafter of
such time as under the Lease was offered to Landlord in which to remedy the default, and the lapse of thirty (30) days after the expiration of such time as Landlord was permitted to cure such default; 

 (e)        not to pay any rent or other sums due or to become due under the
Lease more than thirty (30) days in advance of the date on which the same are due or to become due under the Lease, provided that this clause shall not prevent or limit the reconciliation of operating expenses and taxes under the terms of the
Lease; 
  (f)        to certify promptly in writing to Lender in
connection with any proposed assignment of the Security Instrument, whether or not to the actual knowledge of Tenant any default on the part of Landlord then exists under the Lease beyond any applicable grace or cure period; and 

 (g)        upon receipt from Lender of notice of any default by Landlord
under the Security Instrument, to pay to Lender directly all rent and other sums due under the Lease. 
 6.
        This Agreement shall inure to the benefit of and be binding upon the parties hereto and their successors and assigns. 

7.         This Agreement shall be governed by and construed in accordance with
the laws of the State of Illinois. 
 8.         To facilitate
execution, this Agreement may be executed in any number of counterparts as may be convenient or necessary, and it shall not be necessary that the signatures of all parties be contained in any one counterpart hereof. Additionally, Lender and Tenant
hereby covenant and agree that, for purposes of facilitating the execution of this Agreement: (a) the signature pages taken from separate individually executed counterparts of this Agreement may be combined to form multiple fully executed
counterparts; and (b) a facsimile signature or a signature delivered by electronic mail shall be deemed to be an original signature for all 

  
 D-3

 
purposes. All executed counterparts of this Agreement shall be deemed to be originals, but all such counterparts, when taken together, shall constitute one and the same agreement. 

IN WITNESS WHEREOF, the parties have executed this Subordination, Non-Disturbance and Attornment Agreement on the
counterpart signature pages attached hereto as of the date first above written. 

  
 D-4

 COUNTERPART SIGNATURE PAGE FOR ATTACHMENT TO 

SUBORDINATION, NON-DISTURBANCE AND ATTORNMENT AGREEMENT 

BY AND BETWEEN NATIONAL CITY BANK (“LENDER”) 

AND ONEWEST BANK, FSB (“TENANT”) 

Executed by the undersigned on the date set forth hereinbelow, to be effective as of April 20, 2009. 

 

							
	 LENDER:
	 		 	 NATIONAL CITY BANK, a national banking

association

			
		 		 	
By:                             
                                         
  

		 		 	
Print Name:                          
                                

		 		 	
Its:                            
                                         
   

  
 D-5

 COUNTERPART SIGNATURE PAGE FOR ATTACHMENT TO 

SUBORDINATION, NON-DISTURBANCE AND ATTORNMENT AGREEMENT 

BY AND BETWEEN NATIONAL CITY BANK (“LENDER”) 

AND ONEWEST BANK, FSB (“TENANT”) 

Executed by the undersigned on the date set forth hereinbelow, to be effective as of April 20, 2009. 

 

					
	 TENANT:
	 		 	 ONEWEST BANK, FSB, a federally chartered
 savings bank

			
		 		 	
By:                             
                                       

		 		 	 Print
Name:                                        
             

		 		 	
Its:                            
                                        

  
 D-6

 AGREEMENT BY LANDLORD 

Landlord, as the Grantor under the Security Instrument, agrees for itself and for its successors and assigns that:
(i) the foregoing Subordination, Non-Disturbance and Attornment Agreement (the “Agreement”) does not constitute a waiver or partial waiver by Lender of any of its rights under the Security Instrument; (ii) the Agreement does not
in any way release Landlord from its obligations to comply with every term, provision, condition, covenant, agreement, representation, warranty and obligation of the Security Instrument, and that each of same remain in full force and effect and must
be complied with by the Landlord thereunder; and (iii) any payment made by Tenant to Lender pursuant to Lenders’ request or demand shall be treated as a payment of amounts due Landlord under the Lease and Tenant shall be entitled to make
those payments to Lender notwithstanding any contrary direction by Landlord. 
 Dated this
             day of                     , 2009. 

 

					
	 LANDLORD:
	 	 DOMAIN GATEWAY I, LP, a Texas limited

partnership

			
		 	 By:    
	 	 RREEF DOMAIN GP, LLC, a Delaware limited liability company, its General Partner

			
		 		 	 By:
                                         
                           

		 		 	 Print Name:
                                         
            

		 		 	 Its:
                                         
                           

  
 D-7

 LENDER ACKNOWLEDGMENT 

 

					
	
STATE OF                           
  
	 	 )
	  	
		 	 )
	  	         SS.

	
COUNTY OF                         

	 	 )
	  	

 I,
                                         
                   , a Notary Public in and for said County, in the State aforesaid, DO HEREBY CERTIFY, that
                                         
                   , the
                                        
of NATIONAL CITY BANK, personally known to me to be the same person whose name is subscribed to the foregoing instrument, appeared before me this day in person and acknowledged that he signed and delivered the said instrument as his own free and
voluntary act and as the free and voluntary act of said Bank, for the uses and purposes therein set forth. 

GIVEN under my hand and Notarial Seal this          day of
                                , 2009. 

 
  

	
	  
	 Notary Public
  

My Commission Expires:

                         
                           , 200    

  
 D-8

 TENANT ACKNOWLEDGMENT 

 

					
	
STATE OF                           
  
	 	 )
	  	
		 	 )
	  	         SS.

	
COUNTY OF                         

	 	 )
	  	

 I,
                                         
                   , a Notary Public in and for said County, in the State aforesaid, DO HEREBY CERTIFY, that
                                         
                   , the
                                        
of ONEWEST BANK, FSB, a federally chartered savings bank, personally known to me to be the same person whose name is subscribed to the foregoing instrument, appeared before me this day in person and acknowledged that he signed and delivered the said
instrument as his own free and voluntary act and as the free and voluntary act of said                         , for the
uses and purposes therein set forth. 
 GIVEN under my hand and Notarial Seal this
         day of
                                , 2009. 

 

	
	  
	 Notary Public
  

My Commission Expires:

                         
                           , 200    

  
 D-9

 LANDLORD ACKNOWLEDGMENT 

 

			
	STATE OF ILLINOIS	  	 )

		  	 )

	COUNTY OF COOK	  	 )

 I,
                                         
                   , a Notary Public in and for said County, in the State aforesaid, do hereby certify, that
                                         
                   , the
                                         
                    of RREEF DOMAIN GP, LLC, a Delaware limited liability company, the general partner of DOMAIN GATEWAY I, LP, a Texas limited
partnership, who is personally known to me to be the same person whose name is subscribed to the foregoing instrument as such
                                        ,
appeared before me this day in person and acknowledged that he signed and delivered the said instrument as his own free and voluntary act and as the free and voluntary act of said
                             in its capacity as
                             of DOMAIN GATEWAY I, LP, for the uses and purposes therein set forth.

 GIVEN under my hand and Notarial Seal this          day of
                                , 2009. 

 

	
	  
	 Notary Public
  

My Commission Expires:

                         
                           , 200    

 This instrument was prepared by and after recording return to: 

Andrew M. Sachs, Esq., 
 ROBBINS, SALOMON & PATT, LTD. 
 25 East Washington Street, 

Suite 1000 

Chicago, Illinois 60602 
 (312)782-9000 

  
 D-10

 EXHIBIT “A” 
 Lot 2-A2, Block A, Resubdivision of Lot 2-A, Block A, Resubdivision of Lot 2, Block A, Domain Section 2 Subdivision, a subdivision in Travis County, Texas, according to the map or plat recorded as
Document No. 200700336, in the Official Public Records of Travis County, Texas. 

  
 D-A-1

 EXHIBIT “H” 

LETTER OF CREDIT 
 IRREVOCABLE STANDBY LETTER OF CREDIT 
  

					
		  	 Date:  
	 	 April     , 2009

		  	 No:
	 	 2009-__

 Domain Gateway I, LP, a Texas limited partnership 
 c/o RREEF 
 1406 Halsey Way, Suite 110 
 Carrollton, TX 75007 
 Attention: Mr. Joseph D. Akers 

Greetings: 
 At the request and
for the account of our customer, OneWest Bank, FSB, Pasadena, California (the “Member”), we (the “Bank”) hereby establish this Irrevocable Standby Letter of Credit (the “Letter of Credit”) in favor of Domain Gateway I,
LP, a Texas limited partnership (the “Beneficiary”). Subject to the terms and conditions herein, this Letter of Credit authorizes you to draw on us an amount not exceeding $7,500,000 (the “Credit Amount”). The Credit Amount shall
be automatically reduced without reinstatement as of the date and by the amount of any demand for payment honored by the Bank under this Letter of Credit. The Credit Amount shall also be reduced upon the Bank’s receipt of your certificate in
the form of Annex B (“Reduction Certificate”) to the amount stated in the Reduction Certificate. The Credit Amount shall not be reduced except as described in the preceding sentences without your written consent. Partial and multiple
drawings are permitted. 
 This Letter of Credit will expire at 4:00 p.m., California time, on the date (the “Expiration
Date”) that is the earliest of: (i) April    , 2019; (ii) the date the Credit Amount is reduced to $0; or (iii) the date you surrender this Letter of Credit to the Bank for cancellation. 

Subject to the other provisions of this Letter of Credit, you may demand payment under this Letter of Credit at or before 10:30 a.m.,
California time, on or before the Expiration Date by presenting your certificate in the form of Annex A, prepared in the form of a letter on your letterhead, signed by your authorized officer, with the blanks appropriately completed (the
“Certification”), delivered: (i) by hand deliver, or by U.S. mail, certified with return receipt requested or by Federal Express or other nationally recognized overnight courier to the Bank at 600 California Street, San Francisco,
California 94108, Attention: Portfolio Operations/Letters of Credit (or such other address in California as 

  
 H-1

 
the Bank may provide); or (ii) by confirmed facsimile transmission to (415) 395-9953 (or such other number as the Bank may provide). The Bank requests, but does not require, that you
provide notice by telephone at (415) 616-2720 (or such other number as the Bank may provide) prior to or concurrent with delivery of the documents; failure of Beneficiary to provide such telephone notice shall not impede its right to demand
payment as provided in this Letter of Credit, or affect or condition the obligations of the Bank under this Letter of Credit. All payments under this Letter of Credit will be made with funds of the Bank and not from funds of the Member. 

The Bank will honor a Certification presented in full compliance with the terms of this Letter of Credit (a “Drawing”) at or
before 10:30 a.m., California time, on a Business Day by making payment to you, in immediately available funds, of the Drawing amount specified in the Certification (up to the Credit Amount in effect on that Business day) no later than 2:30 p.m. on
the same Business Day. Documents received after 10:30 a.m., California time, will be deemed to have been received before 10:30 a.m. on the next Business Day. As used in this Letter of Credit, a “Business Day” is any day on which the Bank
is open for business. 
 Upon honoring a Drawing under this Letter of Credit, the Bank’s obligations in respect of the
Drawing are discharged and the Bank will have no further obligations with respect to the Drawing. If you make a demand for payment under this Letter of Credit that does not conform, in any instance, to the terms of this Letter of Credit, we will
attempt to give you prompt notice that the purported demand does not conform with the terms of the Letter of Credit and we will hold the documents at your disposal or return them to you, at our option. You may attempt to correct your nonconforming
demand for payment if, and to the extent that, you are entitled (without regard to the provisions of this sentence) and able to do so. Any correction or resubmission of your demand for payment will be considered a new demand. 

By honoring a Drawing under this Letter of Credit, we make no representation as to the correctness of the amount of the Drawing, the
authority of any person signing on your behalf or your representations on the Certification. 
 This Letter of Credit will be
governed by and construed in accordance with the Uniform Customs and Practice for Documentary Credits (1993 Revision), International Chamber of Commerce Publication 500 (the “Uniform Customs and Practice”), and, to the extent not
inconsistent with the Uniform Customs and Practice, the laws of the State of California. Notwithstanding anything in Article 17 of the Uniform Customs and Practice to the contrary, if you may properly draw on this Letter of Credit prior to the
Expiration Date during an interruption of business as described in said Article, then the Bank shall be specifically authorized and agrees to effect payment in accordance with such drawing, so 

  
 H-2

 long as this Letter of Credit is drawn on within three Business Days of the Bank’s
written notice to you that the Bank has resumed business. 
 The Bank will transfer this Letter of Credit to a successor
Beneficiary (without any limit on the number of such transfers) if you present the Letter of Credit accompanied by a certificate designating the successor Beneficiary. 
 This Letter of Credit, including Annexes A and B, sets forth in full our undertaking, which may not be modified, amplified or limited by reference to any document, instrument, or agreement, and any such
reference will not be deemed to incorporate by reference any document, instrument or agreement. 
  

			
	 Very truly yours,

	
	 FEDERAL HOME LOAN BANK

		 	 OF SAN FRANCISCO

		
	 By:
	 	  

		
	 Title:
	 	  

		
	 By:
	 	  

		
	 Title:
	 	  

  
 H-3

 [Beneficiary letterhead] 
 ANNEX A 
 CERTIFICATION 

Drawn Under 
 Federal Home Loan Bank of San
Francisco 
 Letter of Credit No. 2009-__ 
 The undersigned, a duly authorized officer of the Beneficiary, certifies as follows to the Federal Home Loan Bank of San Francisco, as issuer of the above-referenced Irrevocable Standby Letter of Credit:

 1.         All terms defined in the Letter of Credit are used in this
certification with the same meanings. 
 2.         The Beneficiary is
entitled to draw $                                 under the above-referenced
Letter of Credit. 
 3.         Please wire funds as follows:
                                         
           . 
 Dated:
                                         
        
  

									
		 		 		 	 Beneficiary:

				
		 		 		 	 DOMAIN GATEWAY I, LP, A TEXAS LIMITED

	 PARTNERSHIP
	 		 		 		 	
					
		 		 		 	 By:
	 	  

					
		 		 		 	 Title:
	 	  

  
 H-A-1

 [Beneficiary letterhead] 
 ANNEX B 
 REDUCTION CERTIFICATE 

 
  
 Federal Home
Loan Bank of San Francisco 
 600 California Street 
 San Francisco, CA 94108 
 Attention: Portfolio Operations/ Letters of Credit 

 

	Re:	 Federal Home Loan Bank of San Francisco Standby Letter of Credit No. 2009-      

 Ladies and Gentlemen: 
 At the request of Domain Gateway I, LP, a Texas limited partnership, the Beneficiary, please reduce the Credit Amount (as defined in the Letter of Credit) for the above- referenced Letter of Credit to
$                    , effective upon your receipt of this letter. 
 Sincerely, 
  
 DOMAIN GATEWAY
I, LP, A TEXAS LIMITED PARTNERSHIP 
  

			
	 By:
	 	  

		 	 A Duly Authorized Officer

		
	 Title:
	 	  

  
 H-B-1

 EXHIBIT “I” 

BUILDING TWO ROFO 
 RREEF DOMAIN LP 
 c/o Endeavor Real Estate Group, LLC 

221 West 6th Street, Suite 1300 
 Austin, Texas 78701 
 April 9, 2009 

One West Bank, FSB 
 888 East Walnut Street

 Pasadena, CA 91101-5646 
 Attn: Vice
President of Lease Administration 
  

	 	Re:	 Right of First Offer to Lease – Domain Bldg. 2 

 Dear Sir or Madam: 
 RREEF Domain LP, a Texas limited partnership
(“RREEF”) hereby grants to One West Bank, FSB (“OWB”) a right of first offer to lease certain rentable space situated in Domain Building 2 currently occupied by Midway as depicted on Exhibit A hereto (the
“ROFO Space”), such right to be exercised in accordance with the following: 
 1.
        lf, on or before the earlier of the substantial completion of the “Expansion Building” (as defined in the OWB Lease) or September 1, 2012, RREEF intends to pursue control of and market
the ROFO Space for lease, or the ROFO Space otherwise becomes available for lease by RREEF, RREEF shall so notify OWB (the “ROFO Notice”). The ROFO Notice shall contain the terms and conditions upon which RREEF is willing to offer
the ROFO Space for lease to the market. OWB shall notify RREEF within ten (10) days of OWB’s receipt of the ROFO Notice whether it desires to lease the ROFO Space on the terms and conditions set forth in the ROFO Notice. If OWB does not
notify RREEF within said 10-day period that it will lease the ROFO Space, OWB shall be deemed to have refused the ROFO Space. Upon any such refusal, OWB shall have no further rights with respect to the ROFO Space in any way, and RREEF shall be free
to lease the ROFO Space to any party for any term and upon any terms it desires. If OWB exercises its right of first offer with respect to the ROFO Space, the parties shall, within thirty (30) days after the date of the ROFO Notice, negotiate
in good faith in an effort to agree upon the form and content of a lease for the ROFO Space on the terms and conditions specified in the ROFO Notice, provided that if such lease is not fully executed within such 30-day period, OWB shall have no
further rights with respect to the ROFO Space. 
 2.         OWB’s
right of first offer granted under this letter agreement is subject to the conditions that, on the date the ROFO Notice is required to be given: (1) that certain Lease dated April 9, 2009, by and between Domain Gateway I, LP, as
“Landlord” and OWB, as “Tenant” (the “OWB Lease”) in full force and effect, (ii) OWB is not in default under the OWB Lease after the expiration of any applicable notice and cure periods, and (iii) OWB
shall not have assigned the OWB Lease. 

  
 I-1

 If the foregoing terms accurately set forth our agreement, please execute
and return a counterpart of this letter. 
  

					
	 Sincerely,

	
	 RREEF DOMAIN LP,
 a Texas limited partnership

		
	 By:
	 	 RREEF Domain GP, LLC
 a Delaware Limited Liability Company

			
		 	 By:
	 	 /s/ Michael J. Dunigan

		 	 Name:
	 	 MICHAEL J. DUNIGAN

		 	 Title:
	 	 ASSISTANT VICE PRESIDENT

 ACCEPTED AND AGREED TO: 
 ONE WEST BANK, FSB 
  
  

			
	 By:
	 	 /s/ Kenneth R. Horner

	 Name:
	 	 Kenneth R. Horner

	 Title:
	 	 Executive Vice President

  
 I-2

 EXHIBIT “A” 

 

  
 A-1

 I-A-1General Release and Separation Agreement

 Exhibit 10.1 
 GENERAL RELEASE AND SEPARATION AGREEMENT 
 (“AGREEMENT”)

 PLEASE READ THIS ENTIRE AGREEMENT CAREFULLY. 
 NOTE THAT IT CONTAINS YOUR RELEASE AND WAIVER OF LEGAL RIGHTS AND 
 CLAIMS.
YOU ARE ADVISED TO CONSULT WITH AN ATTORNEY OF YOUR CHOICE 
 CONCERNING ITS TERMS AND LEGAL SIGNIFICANCE BEFORE SIGNING.

 IF YOU AGREE TO ITS TERMS, SIGN BELOW. 
 I, Sallie L. Krawcheck, understand and agree to the terms of this Agreement between me and Bank of America Corporation and/or any of its or their subsidiaries or affiliates (collectively, “the
Company”). 
 1. Separation From Employment By signing below, I agree that my employment with the Company ended pursuant to
the terms of this Agreement on September 6, 2011 (“Separation Date”) and I ceased to be employed by the Company as of that date. 

2. Resignation of Offices and Directorships Pursuant to this Agreement, I resigned all directorships and board or committee memberships I
held within the Company and/or any other entity as a result of my employment with the Company. This resignation was effective on my Separation Date or such other date as requested by the Company. 

3. Separation Payments and Benefits I understand that by signing, returning and not revoking this Agreement within the time periods
described below, I will receive the following pay and/or benefits from the Company, subject to the conditions set forth in the “Post-Employment Limitations and Obligations” section of this Agreement, inclusive of all
sub-paragraphs: 
 a. Separation Installment Payments I will receive Separation Installment Payments equivalent to
52 weeks of my regular base salary. The total value of the Separation Installment Payments is Eight Hundred Fifty Thousand Dollars ($850,000), less applicable deductions and withholdings. Separation Installment Payments will begin on
September 7, 2011 and will be made on the same schedule and in the same manner applicable to active Company associates in similar job classifications. I understand that the Separation Installment Payments will cease if I do not sign and return
this Agreement within the time period described below. Separation Installment Payments will not be counted as earnings for purposes of my pension or 401(k) benefit plans, regular or supplemental. 

b. Benefits Continuation For the period I receive Separation Installment Payments, I also will be eligible to receive group
health coverage benefits that are the same or equivalent to benefits provided to associates at my level and classification. After the term of benefits continuation under this Agreement, I understand that I will have the option to temporarily extend
group health coverage at my own expense under the federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). I will receive additional information about COBRA coverage soon after my Separation Date. 

  
 -1-

 c. Supplemental Lump Sum Payment I also will receive a one-time supplemental
lump sum payment in the amount of Five Million One Hundred Fifty Thousand Dollars ($5,150,000), less applicable deductions and withholdings, on September 7, 2012, or as soon as administratively practicable thereafter, provided I have signed,
returned and not revoked this Agreement. I understand that this Supplemental Lump Sum Payment will not be counted as earnings for purposes of my pension or 401(k) benefit plans, regular or supplemental. 

d. Outplacement Services For the period I receive Separation Installment Payments, I will be eligible to receive
outplacement services. Outplacement Services will be provided by a firm of the Company’s choice and may differ based on geographic location and service provider. I understand that once I am assigned an outplacement service provider, a
consultant will contact me to activate the program. I understand that the Company’s provision of Outplacement Services does not guarantee a particular level of service other than described above and does not guarantee success of the
outplacement process. 
 e. Tax Preparation I will be eligible to receive tax preparation services by the
Company’s Executive Advisory Services for the 2011 tax year. 
 f. Other Benefit Plans I understand that for
benefit plans governed by the Employee Retirement Income Security Act of 1974 (ERISA) and equity or similar awards granted or assumed by the Company, my eligibility for benefits will be determined in accordance with the terms of the applicable plan
or other governing documents. Nothing in this Agreement shall impair, diminish or interfere with any rights, privileges or benefits I have with respect to ERISA plans, equity award agreements or similar governing documents. Except as described
above, I hereby withdraw my participation in any and all bonus or incentive plan(s) or program(s) and understand that I am not now nor will in the future be entitled to any payments under those plans, including future grants of stock or stock
options. 
 g. Employment Verification I understand that the Company will provide neutral reference/employment
verification to any prospective employer, provided the request is directed to the Bank of America Personnel Center at 1.800.556.6044. To the extent a written verification is required, the Personnel Center will provide the associate with the
then current address for written verification requests. Such reference will be limited to my name, job title, employment classification (e.g. full or part-time) and dates of hire and termination (without characterization of termination
reason).
 h. No Other Payments I acknowledge that this Agreement does not include any form of compensation or
benefits other than specifically described herein. I acknowledge that I am not entitled to any post-separation pay or benefits other than provided in this Agreement, including but not limited to payments under any of the Company’s severance
plans or programs and bonus or incentive pay programs. 
 i. Loss of Eligibility I understand and agree that if,
after my last day worked or my Separation Date, the Company becomes aware of information that would have resulted in my termination while still employed, I will cease to be eligible for payments and benefits under this Agreement and the Company may,
in its sole discretion, discontinue any remaining payments and benefits and may require me to reimburse the value of some or all of the payments and benefits previously received, as set forth herein.

  
 -2-

 
Information that may result in loss of eligibility includes Detrimental Conduct (as this term is otherwise defined herein) and/or: (i) my act of fraud or dishonesty in the course of my
employment; (ii) my conviction of (or a plea of no contest with respect to) a crime constituting a felony that was not previously known to the Company; (iii) my act or omission which causes me or the Company to be in violation of federal
or state securities laws, rules or regulations, and / or the rules of any exchange or association of which the Company is a member, including statutory disqualification; (iv) my failure to perform my essential job duties where such failure is
injurious to the Company, its business interests or its reputation; (v) my material breach of any written policy applicable to my employment with the Company including, but not limited to, the Bank of America Corporation Code of Ethics; or
(vi) my material violation of the Company’s written Confidentiality Agreement. 
 j. Effect of Rehire on
Separation Payments I understand and agree that if I am subsequently reinstated, hired or rehired by the Company during the period I am receiving Separation Installment Payments, future payments will cease and I will not be eligible to
receive the Supplemental Lump Sum Payment described in 3.c. above. 
 4. General Release of Claims/Covenant Not to Sue 

a. I fully waive, release and forever discharge the Company and all of its officers, directors, employees, assigns, agents, plans and
plan trustees, independent contractors, shareholders, attorneys and representatives, jointly and individually, (the “Released Parties”) from any manner of suits, actions, or causes of action, including any claim for attorneys’ fees or
costs, existing at the time I sign this Agreement, whether currently known or unknown to me, under any possible legal, equitable, contract, tort or statutory theory. To the greatest extent permitted by applicable law, this General Release includes,
but is not limited to, claims arising out of or in any way related to my employment and/or separation from employment, such as, by way of example only, claims under the federal Age Discrimination in Employment Act, Title VII of the Civil Rights Act
of 1964, Section 1981 of Title 42 of the United States Code, the Employee Retirement Income Security Act of 1974, the Americans With Disabilities Act, the Rehabilitation Act of 1973, the Worker Adjustment and Retraining Notification Act, the
federal Family and Medical Leave Act (FMLA) (to the extent described below), the Fair Labor Standards Act, the federal Equal Pay Act, and any other federal, state or local statute, ordinance, executive order, regulation, including without limitation
any amendments thereto, or any other legal theory. This paragraph will not limit or prohibit in any way my ability to bring an action to enforce the terms of this Agreement. 
 b. I acknowledge and agree that included in my General Release of claims are any and all claims that have been, or may be asserted by me or by any other person or entity on my behalf in any class or
collective action relating to my employment and/or the termination of my employment with the Company. Accordingly, (i) I waive any right to become, and promise not to consent to become, a member of any class in a case in which claims are
asserted against the Released Parties that are related in any way to my employment with or termination from the Company, and that involve events which have occurred as of the date I sign this Agreement; and (ii) I waive any and all rights I
might otherwise have to receive notice of any class or collective action. In the event that I am included or identified as a member, or potential member of a class in any proceeding, I agree to opt out of the class at the first opportunity afforded
to me after learning of my inclusion. In this regard, I agree that I will execute, without objection or delay, an “opt-out” form presented to me in connection with such proceeding. 

  
 -3-

 c. I agree that should any person or entity file or cause to be filed any civil action,
suit, arbitration, or legal proceeding (with the exception of EEOC and similar state agency charges of discrimination as described below) seeking equitable or monetary relief in connection with any aspect of my employment relationship with the
Company, I will take all necessary actions to withdraw from such action and/or have it dismissed with prejudice as it relates to me personally, and agree not to voluntarily participate or cooperate in such matter(s) unless required by law. If I am
unable to preclude a charge or claim on my behalf, I agree that I will not seek or accept any personal relief, including but not limited to an award of monetary damages or reinstatement to employment, in connection with such a charge or claims.

 d. Notwithstanding any local or other law to the contrary, I expressly agree that the General Release will extend and apply
to all claims, injuries and damages I may have against the Company or any Released Parties at the time I sign the Agreement, regardless of whether I am aware of or suspect such claims at the time I sign. 

e. I agree that the above paragraphs shall release the Company from liability to the fullest extent permitted by law and only to the
extent permitted by law. I acknowledge that the General Release does not prohibit the following rights or claims: (i) claims that first arise after the date I sign the Agreement or which arise out of or in connection with the
interpretation or enforcement of the Agreement itself; (ii) my right to file a charge or complaint with the EEOC or similar federal or state agency, or my ability to participate in any investigation or proceeding conducted by such agency; and
(iii) any rights or claims, whether specified above or not, that cannot be waived as a matter of law pursuant to federal, state or local statute. If it is determined that any claim covered by this General Release cannot be waived as a matter of
law, I expressly agree that the General Release will nevertheless remain valid and fully enforceable as to the remaining released claims. 
 5.
Special Provisions Relating to Release of Age Discrimination Claims I understand this paragraph only applies if I am age 40 or over. I understand that as part of the General Release/Covenant Not to Sue, I voluntarily and knowingly
waive rights or claims under the federal Age Discrimination in Employment Act of 1967 (ADEA), as amended, that may have existed on or prior to the date I sign the Agreement. If at any time I am obligated to return the consideration I received under
this Agreement, I agree that I will retain Five Hundred Dollars ($500.00), representing the consideration I received in exchange for waiver of my rights and claims under ADEA. 
 6. Absence of Certain Claims 
 a. I acknowledge that as of the date
I sign this Agreement, I have not filed or otherwise pursued any charges, complaints or claims of any nature against the Company or any Released Party with any local, state or federal government agency or court on or prior to the date of signing
this Agreement, which have not been dismissed, closed, withdrawn or otherwise terminated, unless otherwise permitted by law. I further acknowledge that I have no claims against the Company. 

  
 -4-

 b. I acknowledge and agree that, except for benefits under any Company plans that have
vested or will vest according to the terms of those plans, the Company shall have no obligation to provide me with any payments, benefits or consideration other than as described herein. Without limitation, I acknowledge: (i) the Company made
available to me information about my FMLA and other leave rights and I was not improperly denied any request for FMLA or other leave; (ii) to the extent I took FMLA or other leave, I received the full range of benefits offered by the leave
(e.g., benefits continuation coverage and restoration to the same or an equivalent position for FMLA leave) and did not suffer any form of retaliation as a result of taking the leave; (iii) except for amounts due in connection with this
Agreement, I have been paid for all wages (including overtime), commissions, bonuses, incentives, vacation and other time-off benefits and any other forms of compensation; (iv) to the extent I requested a reasonable accommodation as defined by
applicable law, the Company appropriately responded to my request; and (v) if applicable, I received appropriate notice of my separation from employment. I agree and acknowledge that the preceding information is factually accurate as to me and
may be used as a sworn statement of fact in any proceeding between me and the Company. 
 c. I acknowledge that as an employee
of the Company it has been my obligation to advise the Company completely and candidly of all facts of which I am aware that constitute or might constitute violations of the Company’s ethical standards or legal or regulatory obligations. I
represent and warrant that I am not aware of any such facts or that I have previously advised the Company about any such facts. I further agree that I will advise the Company in the future of all such facts that come to my attention. 

7. Post-Employment Limitations and Obligations 
 a. Transitional Service Obligations In addition to signing, returning and not revoking this Agreement, the payments and benefits described in paragraph 3 above (inclusive of all
sub-paragraphs) are further conditioned on my commitment: (i) to remain available to provide transitional and consulting services to the Company during the period in which the payments and benefits remain payable, and (ii) not to engage in
“Detrimental Conduct” during the period in which the payments and benefits remain payable. For purposes of this Agreement, “Detrimental Conduct” shall mean any one of the following: (A) any act or omission by me resulting or
intended to result in personal gain at the expense of the Company; (B) the improper disclosure by me of proprietary, privileged or confidential information of the Company or a Company client or former client or breach of a fiduciary duty owed
to the Company or a Company client or former client; (C) improper conduct by me including, but not limited to, fraud, unethical conduct, falsification of Company records, unauthorized removal of Company property or information, intentional
violation or negligent disregard for the Company’s policies, rules and procedures, or conduct causing reputational harm to the Company or its clients; (D) the commission of a criminal act by me that subjects or if generally known would
subject the Company to public ridicule or embarrassment; (E) if applicable to my job duties and responsibilities while employed, me taking or maintaining trading positions that result in a need to restate financial results in a subsequent
reporting period or that result in a significant financial loss to the Company during or after my employment with the Company. All such determinations will be final and binding. 

  
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 b. Prohibited Competition In exchange for the consideration provided
hereunder, and based on my access to Confidential Information and Trade Secrets during my employment with the Company, I further agree that for the period for which I receive Separation Installment Payments, unless otherwise agreed by an authorized
Company representative in writing, I will not engage directly or indirectly, in any of the following activities anywhere in the world: (i) providing services in any capacity (including as director, officer, employee, partner, consultant, or
advisor), for or on behalf of any of the competitive businesses identified in the Bank of America Key Associate Stock Plan award agreement(s) in effect at the time of my Separation Date; and (ii) providing services in any capacity (including as
director, officer, employee, partner, owner, consultant, or advisor) for or on behalf of any business engaged in wealth financial advisor management. I understand and agree that nothing in this section should be construed to diminish or
affect the validity or enforceability of any prior agreement(s) I have entered into with the Company or any of its predecessors that have not otherwise expired, regarding restrictions on competitive employment, to the extent such agreements are more
protective of the Company’s interests; provided, however, that the Company acknowledges and agrees that by executing this Agreement I do not trigger any notice obligation or notice provision concerning “resignation, retirement, or other
voluntary termination” as set forth by such prior agreements. 
 c. Obligations Regarding Confidential, Proprietary,
and Trade Secret Information I acknowledge and agree that during my employment with the Company I had access to confidential, proprietary and trade secret information about the Company, its employees, customers and clients, which derives
economic value from not being otherwise known to the general public (hereafter “Confidential Information and Trade Secrets”). Confidential Information and Trade Secrets provide a competitive advantage to the Company specifically because it
would be valuable to a competitive entity if disclosed. Confidential Information and Trade Secrets includes, but is not limited to, the identities, incomes, net worths, accounts, financial portfolios, contact information, personal and familial
relationships, investments and/or other non-public information relating to the Company’s existing and prospective clients and customers, the salaries, specific duties, and other non-public information relating to the Company’s employees,
and the Company’s business plans, strategies, products, pricing, computer programs, systems, databases, methods of operation, financial models, investments and other business transactions, policies and procedures. I understand that the Company
has obligations to protect the confidentiality of this information and that such obligations extend to me, both during and after my employment with the Company ends for any reason. I acknowledge and agree that the improper use or disclosure of the
Company’s Confidential Information and Trade Secrets would cause immediate and irreparable damage to the Company’s business. 
 For this reason, I acknowledge and agree that (i) I shall not directly or indirectly, alone or in concert with or on behalf of others, use, publish or otherwise disclose any aspect of the
Company’s Confidential Information and Trade Secrets to any person or entity outside the Company except pursuant to formal legal process or unless I first obtain the written approval of an authorized Company

  
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representative (if I am served with legal process involving the Company, I agree to notify immediately an appropriate representative of the Company’s Legal Department); (ii) I shall
deliver immediately at the Company’s request and to the custody of whatever person the Company shall designate all originals and copies of any documents or other material in my possession, custody, or control containing or embodying
Confidential Information and Trade Secrets, and any derivatives, summaries and excerpts created therefrom, in any form whatsoever, including but not limited to hard copy documents and information housed in or on Company-owned electronic devices or
equipment, or devices or equipment owned by me or to which I have access; and (iii) I shall not otherwise utilize any of the Company’s Confidential Information and Trade Secrets to interfere with any relationship between the Company and
any of the Company’s clients, prospective clients, or employees. To the extent that I am unaware or unsure of whether certain information constitutes Confidential Information and Trade Secrets, I agree to consult with an authorized senior
management representative of the Company before utilizing the information. 
 d. Prohibited Solicitation of Company
Customers In exchange for the consideration provided hereunder, and based on my access to Confidential Information and Trade Secrets during my employment with the Company, I further agree that for the period for which I receive Separation
Installment Payments, unless otherwise agreed by an authorized Company representative in writing, I shall not directly or indirectly, alone or in concert with others, solicit, encourage, influence, recruit or induce, or attempt to solicit,
encourage, influence, recruit or induce, any client or customer whom I served during my employment with the Company or whose name became known to me as a result of my access to the Company’s Confidential Information and Trade Secrets, in an
effort to divert, transfer or take away business from the Company. 
 e. Prohibited Solicitation of Company
Employees In exchange for the consideration provided hereunder, and based on my access to Confidential Information and Trade Secrets during my employment with the Company, I further agree that for the period for which I receive Separation
Installment Payments, unless otherwise agreed by an authorized Company representative in writing, I will not directly or indirectly, alone or in concert with others, solicit, encourage, influence, recruit or induce, or attempt to solicit, encourage,
influence, recruit or induce any employee of the Company to cease working for the Company. 
 f. “Solicit, encourage,
influence, recruit or induce,” as used in this Agreement, means that I will not in any way, directly or indirectly, contact or communicate with any Company client or customer (as defined above) or person then-employed by the Company,
regardless of who initiates the contact or communication, for the express or implicit purpose of requesting the client, customer, or employee to cease doing business with or remaining employed by the Company, or to begin doing business with or
taking employment with another entity. 
 g. Prior Agreements Regarding Prohibited Competition or Solicitation I
understand and agree that nothing in this section should be construed to diminish or affect the validity or enforceability of any prior agreement(s) I have entered into with the Company or any of its predecessors that have not otherwise expired,
regarding prohibited competition or solicitation of customers and/or employees, to the extent such agreements are more protective of the Company’s interests. 

  
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 h. Future Cooperation I agree that during and after the term of this
Agreement, I will make myself available, upon reasonable notice and under reasonable conditions, to assist the Company in any capacity with respect to matters of which I was involved or had knowledge while employed by the Company. Without
limitation, such assistance may include providing information or documents, cooperating with investigations, negotiations, lawsuits or administrative proceedings involving the Company, preparing for and giving testimony including written
declarations or statements, and other similar activities. I understand that the Company will reimburse me for all reasonable, documented out-of-pocket expenses incurred as a result of my obligations under this paragraph, in accordance with the
Company’s then applicable Expense Guidelines. Nothing set forth by this provision is meant to or does diminish my right to indemnification, as otherwise provided for herein. 

i. Confidentiality of Agreement Terms I agree that the terms and conditions of this Agreement, including the consideration
offered in connection with it, and any and all actions by the Company in accordance therewith, are strictly confidential and, with the exception of my counsel, tax advisor, immediate family, or as required by applicable law, have not and shall not
be disclosed, discussed, or revealed to any other persons, entities, or organizations, whether within or outside the Company, without prior written approval of an authorized representative of the Company. I further agree to take all reasonable steps
necessary to ensure that confidentiality is maintained by any of the individuals or entities referenced above to whom disclosure is authorized. 
 j. Negative Comments I agree to refrain from directly or indirectly engaging in publicity, including written, oral and electronic communication of any kind, or any other activity which
reflects negatively or adversely upon the Company, its business, its actions or its officers, directors or employees, whether or not I believe the content of the publicity to be true or whether or not it is, in fact, true. This paragraph does not
apply to truthful testimony compelled by applicable law or legal process. 
 k. Intellectual Property I hereby
assign to the Company any and all inventions, copyrightable material, trade secrets or other work conceived, developed, created or otherwise performed by me during my employment and relating in any way to my work or the business of the Company. I
agree to cooperate with the Company to further document its ownership of such property. Nothing in this paragraph should be construed to diminish or affect the validity or enforceability of any prior assignment of any such property. 

l. Return of Company Property/Expense Reconciliation I further represent and agree that by the last day I am actively at
work, or such other date directed by the Company, I will have returned to the Company all equipment, business records and/or other Company property that has been or is in my care, custody, possession or control. I further represent and agree by my
Separation Date I will have reimbursed or reconciled to the Company’s satisfaction all charges made to the Company by me or expenses charged by me to the Company, and that if I fail to make such reimbursement that the Company may deduct any
sums owed by me from the payment amount(s) specified in this Agreement. 

  
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 m. Breach/Remedy I understand and agree that the Company shall have the right
to bring legal action to enforce this Agreement and to recover monetary or other damages resulting from a breach of the Agreement by me. This right includes but is not limited to the Company’s right to obtain injunctive relief to restrain any
breach or threatened breach of the Agreement by me or otherwise to specifically enforce any provision of this Agreement. In addition, I acknowledge and understand that if I breach any provision of this Agreement, I will cease to be eligible for any
payments and benefits under this Agreement and the Company may, in its sole discretion, discontinue remaining payments and benefits, if any, and may require me to reimburse the value of payments and benefits previously received. 

8. Miscellaneous Provisions  
 a. No Admission of Liability I specifically understand and agree that by entering into this Agreement, the Company and the other Released Parties do not admit any liability whatsoever to me
or to any other person arising out of any claims heretofore or hereafter asserted by me and the Company, for itself and on behalf of other Released Parties expressly denies any and all such liability. 

b. Indemnification The Company hereby agrees and confirms that, notwithstanding this Agreement, my rights to
indemnification, if any, are and continue to be governed by the Company’s Bylaws and applicable law. 
 c.
Severability Should any of the provisions of this Agreement be rendered invalid by a court or government agency of competent jurisdiction, or should I fail to fulfill my obligations under it, the remainder of the Agreement shall, to
the fullest extent permitted by applicable law and at the Company’s option, remain in full force and effect and/or I will be obligated to return, in full or in part, as determined by the Company, any and all consideration I received in exchange
for signing the Agreement, except, if applicable, the Five Hundred Dollars ($500.00) I received in exchange for my release and waiver of rights or claims under the federal Age Discrimination in Employment Act. 

d. 409A This Agreement is intended to comply with Section 409A of the Internal Revenue Code, to the extent applicable.
Notwithstanding any provision herein to the contrary, the Agreement shall be interpreted and administered consistent with this intent. If this Agreement provides for multiple payments, each separate payment provided pursuant to the terms of this
Agreement shall be treated as a separate “payment” for purposes of Section 409A. In addition, if I am a “specified employee” within the meaning of Section 409A, as determined by the Company under its Section 409A
administrative policies, any payment made in connection with my termination of employment shall not be made earlier than six (6) months after the date of such termination to the extent required by Section 409A. 

  
 -9-

 e. Choice of Law To the extent not governed by federal law or otherwise
prohibited by state law, I agree that the Agreement is governed by the laws of North Carolina, without regard to its principles on conflict of law. To the extent a federal court or agency does not have jurisdiction over any action involving the
validity, interpretation or enforcement of the Agreement, or any of its terms, provisions or obligations, I agree that jurisdiction and venue shall exist exclusively in a court or government agency located within the State of North Carolina, unless
specifically prohibited by applicable state law. 
 f. Attorneys’ Fees and Costs As further mutual
consideration of the promises set forth herein, the Company and I agree that we each are responsible for our own attorneys’ fees and costs, and each agrees that they will not seek from the other reimbursement for attorneys’ fees and/or
costs incurred in relation to any matters addressed in this Agreement. 
 g. Entire Agreement I understand that,
unless specifically mentioned otherwise in this Agreement, all prior agreements and understandings covering the same or similar subject matter, written or oral, between me and the Company, except agreements regarding confidential information,
non-solicitation, non-competition or similar agreements that are more protective of the Company’s interests than the terms of this Agreement and that have not expired or been waived by the Company in writing, are replaced and superseded by this
Agreement, and are no longer of any force and effect. 
 9. Time for Signing I have twenty one (21) calendar days from my
receipt of the Agreement to consider it and consult with an attorney of my choice before signing and returning it. I agree that any changes to the Agreement that may be negotiated between me or my attorney and the Company, whether material or
immaterial, will not restart the time I have to consider and sign the Agreement. I understand that I may sign and return the Agreement at any time before the expiration of the 21-day period. I further understand that I can revoke my acceptance of
the Agreement, in writing, for a period of seven calendar days after I sign the Agreement. 
 The signed Agreement and, if
applicable, written revocation should be returned within the time periods described above to: 
 Andrea B. Smith

 Global Head of Human Resources 
 Bank of America Corporation 
 NC1-007-57-26 

100 North Tryon Street 
 Charlotte, NC 28255 
 10. Counterpart Originals. This Agreement may be executed in
any manner of copies, each of which shall be deemed to be a counterpart original. 
 [Remainder of page intentionally left blank]

  
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 I hereby AFFIRM AND ACKNOWLEDGE that I have read the foregoing Agreement, that I have had sufficient time
and opportunity to review and discuss it with the attorney of my choice, that I have had any questions about the Agreement answered to my satisfaction, that I fully understand and appreciate the meaning of each of its terms, and that I am
voluntarily signing the Agreement on the date indicated below, intending to be fully and legally bound by its terms. 
 ACKNOWLEDGED AND AGREED:

  

									
	DATED:	 	 October 6, 2011
	 		 		 	 /s/ Sallie L. Krawcheck

		 		 		 		 	Sallie L. Krawcheck
					
		 		 		 		 	THE COMPANY
					
	DATED:	 	 October 6, 2011
	 		 	By:	 	 /s/ Andrea B. Smith

		 		 		 		 	Andrea B. Smith
		 		 		 		 	Global Head of Human Resources

  
 -11-

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