Document:

<PAGE>
                                                                    EXHIBIT 10.6

                                 LEASE AGREEMENT

     This lease agreement, made and entered into this___ day of February, 1999,
by and between WILLIAM J. SPENCER and BLANCA C. SPENCER, parties of the first
part, (hereafter referred to as "landlords"), and ACCESS NATIONAL BANK, a
proposed national bank in formation party of the second part, (hereafter
referred to as "tenant").

                                   WITNESSETH:

Whereas, Landlords own a building known as the "Byrne Building", situated on
state route #50, west of state route #657, at Chantilly, Virginia 20151 (herein
the "Leased Premises"); and,

Whereas, landlords have agreed to lease the said premises to Tenant, together
with the land on which the said building is situated, including a paved parking
lot for 30 spaces, with fresh striping, and a driveway around the Byrne Building
for use in connection with the Tenant's operation of a "Drive-in Window" related
to the Tenant's banking business to be operated on the Leased Premises, and
Tenant has agreed to rent the Leased premises upon the terms and conditions of
this lease.

Therefore, in consideration of the premises, the mutual promises of the parties
hereto and for other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the Tenant and the Landlords hereby
agree as follows:

1.       This lease shall be for a term of Five (5) years and four (4) months
         commencing on March 1, 1999, subject to the contingencies set forth in
         paragraphs nos. 11 and 23 below. Tenant shall pay Landlords the
         following amounts, payable on the first day of each month:

     Initial Rent.
     ------------

     Monthly installments of rent, each in the amount of $3,000.00, shall be due
     and payable on March 1, 1999, and April 1, 1999;

     An installment of rent, in the amount of $4,500.00 shall be due and payable
     on May 1, 1999: and<

     An installment of rent, in the amount of $5,500.00 shall be due and payable
     on June 1, 1999.

     Base rent During Initial Term.
     -----------------------------

     Commencing on July 1, 1999 through June 30, 2000 Tenant shall pay a monthly
     base rent of Six Thousand, Three Hundred Dollars ($6,300.00) for the Leased
     Premises, consisting of the building containing 3600 square feet, together
     with the above-mentioned parking lot and all other real property
     constituting the Leased Premises.
     Commencing July 1, 2000 through June 30, 2004 the annual.base rent (and the
     corresponding amount of the monthly rent installments) will be increased
     annually on the 1st day of each July to an amount equal to three percent
     (3%) above the previous year's annual base rent or in accordance with the
     Consumer Price Index increases (CPI-U 1967 BASE 100) which ever is greater.

     Tenant shall have the option to renew this lease for Two (2) additional
     terms of Five (5) years each upon the same terms and conditions a provided
     for herein.

     Base Rent During Renewal Terms.
     ------------------------------

If the first renewal term option (as provided in Paragraph 2 below) is exercised
     by the Tenant. The annual base rent (and the corresponding amount of the
     monthly rent installments) will be increased annually during the first
     renewal term, on the 1st day of July occurring during the renewal term, to
     an amount

<PAGE>

     equal to three percent (3%) above the previous year's annual base rent or
     in accordance with the Consumer Price Index increases (CPI-U 1967 BASE 100)
     which ever is greater.

If the second renewal term option (as provided in Paragraph 2 below) is
     exercised by the Tenant, the annual base rent for each, of the five years
     of the second renewal in accordance with the (CPI-U 1967 BASE 100)
     whichever is greater above the amount of the annual base rent in effect
     during the previous year beginning with the last year of the first renewal
     term. The annual base rent for the 2nd renewal term will be payable in
     monthly installments equal to 1/12th of the annual base rent, commencing
     July 1, 2009; and the annual base rent (and corresponding amount of the
     monthly installments) will be increased annually during the second renewal
     term, on the 1st day of each July.

Payment of Rent

     Rent shall be due on the 1st of each month, mailed directly to Landlord's
     address (1800 Old Meadow Road Apt. 505, McLean, Virginia 22102-1811). A
     late charge of five percent (5%) of any payment due and not received within
     ten (10) days after its due date shall be payable without demand.

     2.  This lease shall automatically renew for each option year unless the
         Tenant gives written notice by certified mail to the Landlords, at
         least three months prior to the commencement of the next five (5)
         option term, that the Tenant will not renew the lease. In the event
         the Landlord has a bonafide offer to sell the property to a third
         party the Landlord reserves the same option to cancel this lease at
         the end of each five year option term, with written notice by
         certified mail to the Tenant that the lease cannot be renewed.
         Landlord, agrees the Tenant shall have the first right of refusal to
         purchase the Property by accepting the terms of the said contract in
         its own name for the gross price. Tenant shall have the right within
         three business days, excluding Saturday and Sunday or any legal
         holiday to accept the terms.

     3.  Security Deposit. Tenant shall, deliver a security deposit, in the form
         of a check in the amount of Three Thousand, Three Hundred Dollars
         ($3,300.00) payable to the Landlords. The security deposit shall at no
         time be considered or used for payment on past due rent. The sole
         purpose of said security deposit shall be to insure payment of all
         expenses and utilities upon vacation of premises by Tenant. Upon the
         expiration of the term of this Lease Agreement, Landlords shall,
         provided Tenant is not in default under the terms of this Lease
         Agreement, return said security deposit to tenant. In the event of the
         sale or transfer of Landlords' interest in the Property, Landlords
         shall assign and deliver the security deposit to such new Landlord or
         transferee.

     4.  Written Limited Guaranty of Lease. Michael W. Clarke agrees to be
         personally responsible for the Tenant's monthly payment obligations
         under this lease until the date when a bank charter is issued to the
         Tenant and for three (3) months after the bank charter is issued.
         Michael W. Clarke agrees to pay an additional Three Thousand dollar
         $3000 deposit upon execution of this lease which will be returned to
         him upon satisfaction of the conditions in this paragraph.

     5.  Landlords agree that upon Tenant's payment of rent and the due
         performance and observance of all the terms, covenants and conditions
         contained in this lease, Tenant shall have the right of quiet
         enjoyment of the Leased Premises, and this Lease Agreement shall not
         be terminate or affected by the sale of the Leased Premises to a third
         party and that any such sale shall be made subject to this Lease
         Agreement and the rights of the Tenant hereunder. Landlord reserves
         the right to inspect the outside premises and enter common areas of
         the building upon reasonable notice to Tenant at least two times each
         year.

     6.  Tenants shall pay all taxes and assessments imposed upon the Leased
         Premises by any lawful authority. Tenant shall have the right to
         contest, at Tenant's expense any taxes and assessments provided the
         Landlords' interest in the Leased Premises is not impaired.

<PAGE>

     7.  Tenant will conduct upon the Leased Premises a banking business,
         subject to the satisfaction of the contingencies contained in
         Paragraphs Nos. 11 and 23 below. The Leased Premises shall not be put
         to any other use without the written consent of Landlords.

     8.  Tenant assumes responsibility for replacement of any plate of glass,
         which may be broken during the term of this Lease.

     9.  enant will pay for all electricity consumed by the Tenant and all of
         the annual cost of water, septic tank pumping, fuel oil and the heating
         unit annual service contract.

     10. Tenant will maintain the existing air conditioning units; however,
         Tenant shall install (if necessary) any air conditioning units in the
         event an existing unit fails to provide adequate comfort, as determined
         by the Tenant. Landlord hereby agrees that if the Tenant chooses,
         Tenant may, at its own expense, remove and dispose the existing air
         conditioning units and install heat pump air conditioning, provided
         Tenant closes and finishes any openings or voids resulting from the
         removal of the existing units and repairs such openings to match the
         adjacent areas in a workmanlike manner. Upon vacation of the premises
         by the Tenant, such improvements will become property of the Landlords.

     11. On or before July 1, 1999, Landlords agree to pave such area of land
         necessary to provide a total of thirty (30) parking spaces, with new
         striping for the individual spaces. Landlords shall also be responsible
         to deliver on or before July 1, 1999 a fully operational heating
         systems, leak free roof structure, access to operational public water
         service and operational hold pump septic systems.

         In addition to the foregoing, the Tenant and/or its agents shall have
         the right, from the date this lease is fully ratified through April 1,
         1999 (the "Study Period"), to cause any test, studies and/or
         investigations of the Leased Premises concerning: the physical and
         structural integrity of the building and improvements, the condition of
         he electrical, mechanical, plumbing, HVAC and septic systems, the
         status of the Leased Premises under the Americans with Disabilities
         Act, feasibility of Tenant improvements and/or any other studies
         related to the Tenant's use of the Leased Premises as a banking
         facility, as Tenant shall deem necessary or appropriate to determine
         the condition and feasibility of the Leased Premises.

         In the event that said studies and tests do not yield satisfactory
         results, as determined in the sole discretion of the Tenant, and to the
         extent this paragraph is not inconsistent with paragraph 12 below, then
         Tenant shall have the right within said Study Period to terminate this
         lease by written notice to the landlords. In this event the Landlord
         shall be entitled to keep the first month's rent installment due on
         March 1, 1999, the security deposit under paragraph 3, the guaranty of
         lease deposit under paragraph 4, and any additional payments paid or
         due payable under the terms of this lease.

         Tenant agrees to repair any damage to the Leased Premises caused by
         said tests and studies, and further agrees to indemnify and hold the
         Landlords harmless from any loss or damage suffered by Landlords
         resulting from the tenant" tests and studies.

     12. Except as set forth above, Tenant accepts the said premises in "as is"
         condition and is responsible for providing all improvements as
         required and desired. Tenant will keep the property in normal working
         order and condition, including air conditioning, heating and plumbing
         systems (except for ordinary wear and tear or damage caused by
         casualty) and will make all repairs and shall take such other actions
         as may be necessary or appropriate to keep and maintain the property
         in good order and condition including painting and repairs as needed
         to their areas of occupation, outside yard maintenance and snow
         removal. Landlords will not be liable for any labor, services or
         materials furnished, or to be furnished to tenant, or to anyone
         holding the Leased Premises or any part thereof through or under
         Tenant, and no mechanics' or other liens for any such labor or

<PAGE>

          materials shall attach to or affect the interest of the Landlords in
          and to the Leased Premises. If there is no continuing event of
          default, Tenant may make additions or improvements to or alterations
          of the Leased Premises. All maintenance and repair, and each such
          additional

          improvement, or alteration (I) must not, individually or in the
          aggregate, substantially lessen the Fair Market Value of the Property
          or materially affect the Property's usefulness in Tenant's business,
          (ii) shall be completed expeditiously in a good and workmanlike
          manner, and in compliance with all Legal Requirements and all
          Insurance Requirement, set forth in paragraph No. 15 below, and (iii)
          shall, to the extent they become permanently affixed to the property,
          become part of the Property and subject to this Lease Agreement.

          Except as set forth above, Tenant may install or place or reinstall or
          replace upon and, if there is no continuing Event of Default, remove
          from the Property any trade fixtures, inventory, signs, machinery,
          supplies and equipment. Such trade fixtures, inventory, signs,
          machinery supplies and equipment and all other non-fixtures shall not
          become the property of Landlords other than replacements of trade
          fixture, machinery and equipment which are the property of Landlords,
          which replacements shall also be the property of Landlords.

     13.  Tenant intends to install an ATM facility, teller work stations,
          security systems and vault to be located upon the Leased Premises,
          which shall remain the Personal Property of Tenant and will be removed
          by the Tenant upon termination of this Lease, or sooner should the
          Bank desire, provided, however, Tenant agrees to install cinder block,
          brick or matching materials in a workmanlike manner to fill in the
          space occupied by the ATM Machine, and vault should they be removed,
          and agrees to restore the Leased Premises to its former condition. The
          Tenant has the right to install any facility needed for any activity
          Tenant does in connection with its banking business that is legally
          permissible.

     14.  If, because of any act or omission of Tenant, any mechanic's lien or
          other lien, charge or order for the payment of money shall be filed
          against any Portion of the Property, Tenant shall, at its own cost and
          expense, cause the same to be discharged of record or bonded within
          Sixty (60) days after written notice from Landlords to Tenant of the
          filing thereof unless Tenant shall contest the validity of such liens.

          If Tenant shall fail to cause such liens to be discharged of record or
          bonded within the aforesaid Sixty day period (unless Tenant shall
          contest the validity of such lien as aforesaid) or satisfy such within
          Sixty (60) days after any judgement in favor of such lien holders from
          which no further appeal might be taken, then Landlords shall have the
          right to cause the same to be discharged shall constitute additional
          Base Rent payable by Tenant to Landlords.

     15.  At all times during the term of this Lease Agreement, Landlords shall
          Maintain in effect a policy or policies of property damage insurance
          covering the building in an amount not less than one hundred percent
          (100%) of its full replacement value, providing protection against any
          peril included within the classification Fire and Extended Coverage
          "all risk"; together with endorsements for flood, earthquake, theft
          and collapse, if available. Landlords shall be entitled, at its option
          to include in such policies a reasonable deductible provision not to
          exceed five percent (5%) per occurrence.

               Tenant will maintain with insurers authorized to do business in
               the state in which the Property is located and which are well
               rated by any recognized national rating organization:

               (a)  fire insurance and insurance with respect to risks from
                    time-to-time included under the standard extended coverage
                    endorsement, including vandalism and malicious mischief, if
                    amounts sufficient to prevent Landlords and Tenant from
                    becoming co-insurers of any loss but in any event in amounts
                    not less that the

<PAGE>

                    then Full Insurable Value of the Tenant's Property as
                    determined from time-to-time (but not less often than once
                    every three years) by the insurer of insurers;

               (b)  comprehensive general public liability insurance against
                    claims for bodily injury, death, or property damage arising
                    out of the use or the occupancy of the Property by Tenant,
                    in a combined single limit amount of not less than Five
                    Hundred thousand Dollars (500,000.00).

          Promptly after the Tenant's occupancy of the Leased Premises (I)
          Tenant shall deliver to Landlords certificates of the insurers
          evidencing all the insurance which is required to be maintained
          hereunder by Tenant, and (ii) Landlord shall deliver to Tenant a
          certificate of the insurer evidencing all insurance required to be
          maintained hereunder by Landlords; within Thirty (30) days prior to
          the expiration of any such insurance, other certificates evidencing
          the renewal of such insurance.

     16.  Should the Byrne Building and/or the leased property be destroyed or
          rendered unfit for occupancy by fire or other casualty, or in the
          event that through no fault, of he Tenant the premises are not
          suitable for occupancy due to the failure to obtain water, HVAC,
          electricity, or other services normally associated with the
          establishment of a commercial business ( if the said property becomes
          "not tenantable"), or in the event of a condemnation of all or part of
          the Leased Premises, Tenant shall have the option to cancel this Lease
          upon Fifteen (15) days notice. Rent shall abate from the time the
          premises are destroyed, rendered, unfit for occupancy or otherwise not
          tenantable. The Security Deposit, and Michael W. Clarke's personal
          additional Deposit and guaranty shall be returned to Tenant, subject
          to the terms and conditions of Paragraph No. 3 to satisfy obligations
          until the cancellation date.

     17.  Landlords warrant that the premises are properly zoned for use as a
          commercial banking facility or the Tenant's specified use and Tenant's
          obligations hereunder are conditioned upon such warranty being true
          and accurate now and at all times under the Lease. Landlord further
          warrants that it is aware of no environmental hazards on the property
          and affirmatively states that the property has not been previously
          used for, nor is being used for, the operation of a landfill, dump,
          gasoline station, or for disposal of other hazardous materials.
          Landlords further warrant that they have the right to enter into this
          Lease and no authorization of any lender or other party is required
          for such action. Tenants obligations hereunder are conditioned upon
          such warranty being true and accurate now and at all times under the
          Lease. Landlord agrees to hold Tenant harmless from any and all
          environmental damages associated with the property, which occur as a
          direct result of anything other than Tenant's occupancy of the Leased
          Premises.

     18.  Tenant shall not assign this lease or sublet the Leased Premises
          without Landlords; consent in writing, which consent shall not be
          unreasonably withheld.

     19.  Notwithstanding any other provisions contained in this Lease, in the
          event (a) Tenant or its successors or assignees shall become insolvent
          or bankrupt, or if it or their interest under this lease shall be
          levied upon or sold under execution or other legal process, or (b) the
          depository institution then operating on the Leased Premises closed,
          or is taken over by any depository institution supervisory authority
          ("Authority"), Landlords may, in either such event, terminate this
          Lease only with concurrence of any Receiver or Liquidator appointed by
          such Authority; provided, that in the event this Lease is terminated
          by the Receiver or Liquidator, the maximum claim of Landlords for
          rent, damages, or indemnity for injury resulting from termination,
          rejection, or abandonment of the unexpired Lease shall by law in no
          event be in an amount equal to all accrued and unpaid rent to the date
          of termination. Except that if the Principal stockholders of the
          Tenant establish another business or organization, shall be liable for
          any injury resulting from termination and the unpaid rent of this
          Lease.

<PAGE>

     20.  Subordination: This Lease is subject and subordinate to all mortgages
          or deeds of trust, which may now or hereafter affect or encounter the
          Demised Premises or the real property of which the

          Leased Premises form a part and to all renewals, modifications,
          consolidations, replacements or extension thereof; provided that the
          holder(s) of any such mortgage or deed of trust agrees not to disturb
          the Tenant's rights of possession under this Lease or cancel this
          Lease so long as Tenant is not in default under this Lease. Tenant
          covenants and agrees to attorn to the holder(s) of any such mortgage
          or deed of trust, and/or to any other successors to Landlords, who
          acquires the Landlords interest in the Leased Premises, whether by
          sale, foreclosure or otherwise, provided that the said successor party
          enters into a Subordination, Non-Disturbance and attornment Agreement
          which recognizes Tenant's rights under this Lease.

     21.  All notices, demands, or other communications that may be necessary or
          proper hereunder shall be deemed fully given if personally delivered
          or when deposited in the United States mail, postage prepaid, first
          class, registered or certified, return receipt requested, addressed as
          follows:

          To Tenant:

          Access National Bank, a proposed national bank
          C/o Michael W. Clarke 314
          Adahi Road, S.E.
          Vienna Virginia 22180-5403

          To Landlords:

          Wm. J. Spencer
          Blanca C. Spencer
          1800 Old Meadow Road Apt. 505
          McLean, Virginia 22102-1811

     Either party may change their address for notices by giving the other party
          written notice, in accordance with the above provisions, ten (10) days
          prior to the date of such address change.

     22.  The rights, benefits, privileges and liabilities under this Lease
          shall be binding upon the heirs, administrators and successors of the
          parties hereto.

     23.  The Landlords and Tenant acknowledge the Tenant has an application for
          a national bank charter pending with the Office of the Comptroller of
          the Currency. Upon issuance of the final charter, the Tenant expects
          to be duly organized under the law of the United States as a national
          banking association. In the event the Tenant is unable to obtain a
          charter prior to March 1, 2000, the Tenant has the right to cancel
          this Lease Agreement by sending 15 days prior written notice to
          Landlords and provided the Tenant pay a cancellation penalty in the
          amount of Nineteen Thousand, Eight Hundred Dollars ($19,800.00). The
          Security Deposit and the additional security guaranty will be returned
          subject to the applicable conditions.

             In Witness Whereof, the parties have caused this Lease to be duly
     executed on the dates set

<PAGE>

     forth beneath their respective signatures below. This Lease shall for
     all purposes be deemed to fully executed, upon ratification by each of the
     parties hereto, as of the latest of the dates of execution shown below.

                                                     LANDLORDS:

                                                                        (SEAL)
     ----------------------                   -------------------------
     Date                                            William J. Spencer

                                                                        (SEAL)
     ----------------------                   -------------------------
     Date                                            Blanca C. Spencer

                                                     TENANT:

                                               ACCESS NATIONAL BANK,
                                       A proposed national bank in formation

                                          By:                          (SEAL)
     ----------------------                   -------------------------
       Date                                    Michael W. Clarke, Agent

                                                     Guarantor:

                                                                        (SEAL)
     ----------------------                   -------------------------
       Date                                    Michael W. Clarke<PAGE>
                                                                    EXHIBIT 10.7

                                  DEED OF LEASE

                                     BETWEEN

                                    WJG, LLC

                                  As Landlord,

                                       AND

                            ACCESS NATIONAL MORTGAGE

                                    As Tenant

                            Dated: September 7, 2001

             For Premises Located at 8233 Old Courthouse Road, Vienna, Virginia

             Draft prepared September 7, 2001

<PAGE>

                                TABLE OF CONTENTS

                      [page references need to be updated]

        ARTICLE 1
        BASIC LEASE PROVISIONS                                               1
        1.1      Premises                                                    1
        1.2      Building                                                    1
        1.3      Term                                                        1
        1.4      Commencement Date                                           1
        1.5      Expiration Date                                             1
        1.6      Basic Rent                                                  1
        1.7      Security Deposit                                            1
        1.8      Expense Stop                                                1
        1.9      Tenant's Proportionate Share of Operating Expenses          1
        1.10     Parking Space Allocation                                    1
        1.11     Permitted Use                                               1
        1.12     Tenant's Trade Name                                         2
        1.13     Broker(s)                                                   2
        1.14     Landlord's Address                                          2
        1.15     Tenant's Address                                            2

        ARTICLE 2
        DEFINITIONS                                                          2
        2.1      Additional Rent                                             2
        2.2      Agents                                                      2
        2.3      Alterations                                                 2
        2.4      Calendar Year                                               2
        2.5      Common Area                                                 2
        2.6      Event of Default                                            2
        2.7      Herein, hereafter, hereunder and hereof                     2
        2.8      Interest Rate                                               2
        2.9      Land                                                        2
        2.10     Lease Year                                                  2
        2.11     Mortgage                                                    3
        2.12     Mortgagee                                                   3
        2.13     Operating Expenses                                          3
        2.14     Parking Facilities                                          3
        2.15     Real Estate Taxes                                           3
        2.16     Rent                                                        3
        2.17     Rules and Regulations                                       3
        2.18     Substantial Completion                                      3
        2.19     Substantial Part                                            3
        2.20     Project                                                     3
        2.21     Legal Requirements                                          3

                                      -ii-
<PAGE>

        ARTICLE 3
        PREMISES                                                            3
        3.1      Lease of Premises                                          3
        3.2      Landlord's Reservations                                    4

        ARTICLE 4
        LANDLORD'S CASH CONCESSION                                          4

        ARTICLE 5
        RENT                                                                4
        5.1      Basic Rent                                                 4
        5.2      Payment of Basic Rent                                      4
        5.3      Additional Rent                                            5

        ARTICLE 6
        SECURITY DEPOSIT                                                    5
        6.1      General                                                    5
        6.2      Security in the form of Cash                               5

        ARTICLE 7
        OPERATING EXPENSES                                                  5
        7.1      Tenant's Proportionate Share of Operating Expenses         5
        7.2      Operating Expenses Defined                                 6
        7.3      Exclusions from Operating Expenses                         7
        7.4      Estimated Payments                                         8
        7.5      Actual Operating Expenses                                  8
        7.6      Tenant's Right to Audit                                    8
        7.7      Controlled Operating Expenses                              9

        ARTICLE 8
        TAXES                                                               9

        ARTICLE 9
        PARKING                                                             9
        9.1      Parking Spaces                                             9
        9.2      Changes to Parking Facilities                              9

        ARTICLE 10
        USE                                                                10
        10.1                                                               10
        10.2     Payment of Taxes                                          10

        ARTICLE 11
        ASSIGNMENT AND SUBLETTING                                          10
        11.1     Consent                                                   10

                                      -iii-

<PAGE>

        11.2     [Deleted.]                                                   11

        ARTICLE 12
        MAINTENANCE                                                           11
        12.1     Landlord's Obligation                                        11
        12.2     Tenant's Obligation                                          11
        12.3     Compliance with Legal Requirements                           11
        12.4     Landlord's Right to Maintain Repair                          12

        ARTICLE 13
        ALTERATIONS                                                           12
        13.1     Landlord's Obligations                                       12
        13.2     Alterations                                                  12
        13.3     Removal of Alterations                                       13
        13.4     Landlord Alterations                                         13

        ARTICLE 14
        SIGNS                                                                 13

        ARTICLE 15
        TENANT'S EQUIPMENT AND PROPERTY                                       14
        15.1     Moving Tenant's Property                                     14
        15.2     Installing and Operating Tenant's Equipment                  14

        ARTICLE 16
        RIGHT OF ENTRY                                                        14

        ARTICLE 17
        INSURANCE                                                             14
        17.1     Insurance Rating                                             14
        17.2     Liability Insurance                                          14
        17.3     Insurance for Personal Property                              15
        17.4     Contractual Liability Insurance                              15
        17.5     Requirements of Insurance Coverage                           15
        17.6     Prohibition Against Concurrent Insurance                     15
        17.7     Waiver of Subrogation                                        15
        17.8     Security                                                     16

        ARTICLE 18
        LANDLORD SERVICES AND UTILITIES                                       16
        18.1     Ordinary Services to the Premises                            16
        18.2     After-Hours Services to the Premises                         16
        18.3     Landlord's Right to Meter Tenant's Electrical Usage          17

        ARTICLE 19
        LIABILITY OF LANDLORD                                                 17

                                      -iv-

<PAGE>

        19.1     No Liability                                                 17
        19.2     Indemnity                                                    17
        19.3     No Personal Liability; Sale                                  17

        ARTICLE 20
        RULES AND REGULATIONS                                                 18

        ARTICLE 21
        DAMAGE; CONDEMNATION                                                  18
        21.1     Damage to the Premises                                       18
        21.2     Landlord Released from Liability                             18
        21.3     Condemnation                                                 19

        ARTICLE 22
        DEFAULT                                                               19
        22.1     Events of Default                                            19
        22.2     Landlord's Remedies                                          19
        22.3     Rights Upon Possession                                       20
        22.4     No Waiver                                                    20
        22.5     Right of Landlord to Cure Tenant's Default                   20
        22.6     Late Payment; Interest                                       21
        22.7     Landlord Default                                             21

        ARTICLE 23
        MORTGAGES                                                             21
        23.1     Subordination; Nondisturbance                                21
        23.2     Mortgagee Protection                                         22
        23.3     Modification Due to Financing                                22

        ARTICLE 24
        SURRENDER; HOLDING OVER                                               22
        24.1     Surrender of the Premises                                    22
        24.2     Holding Over                                                 22

        ARTICLE 25
        QUIET ENJOYMENT                                                       23

        ARTICLE 26
        TENANT'S COVENANTS REGARDING HAZARDOUS MATERIALS                      23
        26.1     Definition                                                   23
        26.2     General Prohibition                                          23
        26.3     Notice                                                       23
        26.4     Survival                                                     24

        ARTICLE 27
        MISCELLANEOUS                                                         24

                                       -v-

<PAGE>

        27.1     No Representations by Landlord                               24
        27.2     No Partnership                                               24
        27.3     Brokers                                                      24
        27.4     Estoppel Certificates                                        24
        27.5     Waiver of Injury Trial                                       25
        27.6     Notices                                                      25
        27.7     Invalidity of Particular Provisions                          25
        27.8     Gender and Number                                            25
        27.9     Benefit and Burden                                           25
        27.10    Entire Agreement                                             25
        27.11    Authority                                                    25
        27.12    Attorney's Fees                                              26
        27.13    Interpretation                                               26
        27.14    Time of the Essence                                          26
        27.15    Force Majeure                                                26
        27.16    Headings                                                     26
        27.17    Memorandum of Lease                                          26
        27.18    Landlord Decisions                                           27
        27.19    Landlord's Compensation for Tenant Delays                    27
        27.20    Effectiveness                                                27

                                      -vi-
<PAGE>

                                LIST OF EXHIBITS

        Exhibit A-1                         Plan Showing Premises
        Exhibit A-2                         Plat Showing Land And Building
        Exhibit B                           [deleted]
        Exhibit C                           Rules and Regulations
        Exhibit D                           Estoppel Certificate
        Exhibit E                           Extension Options

        Guaranty Agreement

                                     -vii-

<PAGE>

                                  DEED OF LEASE

        THIS DEED OF LEASE (this "Lease") is made as of the 7th day of
September, 2001 (the "Lease Date"), by WJG, LLC, a Virginia limited liability
company ("Landlord") and ACCESS NATIONAL MORTGAGE CORPORATION, a Virginia
corporation, or permitted assigns ("Tenant").

        Landlord and Tenant, intending legally to be bound, hereby covenant and
agree as set forth below:

                                    ARTICLE 1
                             BASIC LEASE PROVISIONS

        The following terms, when used herein, shall have the meanings set forth
below:

        1.1 Premises. The entire third (3rd) floor, consisting of approximately
            9,417 rentable square feet located in the Building, as outlined on
            the floor plan attached hereto as Exhibit A-1 and made a part
            hereof, and such non-exclusive rights as are described expressly in
            this Lease.

        1.2 Building.The building containing approximately 28,648 rentable
            square feet shown on Exhibit A-2 attached hereto and made a part
            hereof, and all alterations, additions, improvements, restorations
            or replacements now or hereafter made thereto, with an address of
            8233 Old Courthouse Road, Vienna, Virginia 22182.

        1.3 Term. Five (5) years, subject to Exhibit E, attached hereto and made
            a part hereof.

        1.4 Commencement Date. December 1, 2001 or such earlier date as the
            tennent is able to commence operating its business in the premises.

        1.5 Expiration Date. The date which is Five (5) years after the
            Commencement Date, unless the Commencement Date is extended as
            provided in this Lease.

        1.6 Basic Rent. During the first Lease Year (defined below) the Tenant
            shall pay Basic Rent in the total of $116,591.00 in monthly
            installments as follows:

            $1,382.58 per month for he first six (6) months, beginning the
            Commencement Date; and $18,049.25 per month (based on 23.00 per each
            rentable square foot) for the remaining six (6) months of the first
            Lease Year.

            Beginning on the first day of the second Lease Year, the Basic Rent
            shall be increased annually for each Lease Year by three percent
            (3%) over the previous Lease Year's Basic Rental rate.

<PAGE>

        1.8 Expense Stop. Operating Expenses (defined below) for the calendar
            year 2001; subject, however, to Article 7.2.

        1.9 Tenant's Proportionate Share of Operating Expenses. 32.9% of the
            Operating Expenses allocable to the Building and Land (rentable
            square feet of Premises divided by rentable square feet of Building.

       1.10 Parking Space Allocation. See Article 9.

       1.11 Permitted Use. General office use for banking, mortgage company
            operations and other financial services, together with other general
            office use, including without limitation use by professionals such
            as accountants and attorneys, and all office uses incidental
            thereto, or other general office use as further defined by but also
            subject to zoning and other applicable laws. "Permitted Use" shall
            not include any use, regardless of its being permitted by applicable
            zoning, that in Landlord's sole but reasonable discretion or
            observation entails, or may be expected to entail, use of or demand
            for any one or more building services or facilities substantially in
            excess of the demands anticipate by Landlord for the Tenant name
            herein (such as, for purposes of illustration only, a "call center"
            use). Also see Article 10.

       1.12 Tenant's Trade Name. Access National Mortgage.

       1.13 Broker. Landlord's: Jefferson Commercial Real Estate.

       1.14 Landlord's Address. c/o Jefferson Commercial Real Estate, Agents
            for Landlord, 8230 Boone Boulevard, Suite 300, Vienna Virginia
            22182, Attention: Michael Rebibo, President.

       1.15 Tenant's Address. Prior to Commencement Date: 8401 Old Courthouse
            Rd. Vienna, Virginia 22182, Attention: Michael Rebibo, President;
            following Commencement Date: 8233 Old Courthouse Road, Suite 300,
            Vienna Virginia 22182, Attention: Michael Rebibo, President.

                                    ARTICLE 2
                                   DEFINITIONS

            The following terms, when used herein, shall have the meaning set
            forth below.

        2.1 Additional Rent. As defined in Section 5.3.

        2.2 Agents. Officers, partners, directors, shareholders, members,
            managers, employees, agents, licensees, customers, contractors and
            invitees.

        2.3 Alternatives. Alterations, decorations, additions or improvements of
            any kind or nature to the Premises or the Building, whether
            structural or non-structural, interior, exterior, or otherwise.

<PAGE>

        2.4 Building Standard. The quality of materials, finishes and
            workmanship normally found in the Building or, if none, are found,
            in the buildings of similar quality.

        2.5 Calendar Year. A period of twelve (12) months commencing on each
            January 1 during the Term, except that the first Calendar Year shall
            be that period from and including the Commencement Date through
            December 31 of that same year, and the last Calendar Year shall be
            that period from and including the last January 1 of the Term
            through the earlier of the Expiration Date or date of Lease
            Termination.

        2.6 Common Area. All areas, improvements, facilities and equipment from
            time to time designated by Landlord for the common use or benefit of
            more than one tenant of the Building and their Agents, including,
            without limitation, entrances and exits, landscaped areas, exterior
            lighting, loading areas, pedestrian walkways, sidewalks, atriums,
            courtyards, concourses, stairs, ramps, washrooms, maintenance and
            utility rooms and closets, exterior utilities lines, hallways,
            lobbies, elevators and their housing and rooms, common window areas,
            common walls, common ceilings, common trash areas and Parking
            Facilities. Any such areas or features that are internal to the
            Premises demised hereby shall not be considered to be Common Areas.

        2.7 Event of Default. As defined in Article 22.

        2.8 Herein, hereafter, hereunder and hereof. Under this Lease,
            including, without limitation, all Exhibits, Riders, and addenda.

        2.9 Interest Rate. The highest per annum interest rate listed as the
            base rate on corporate loans at large U.S. money center commercial
            banks, as published from time to time under "Money Rates" in the
            Wall Street Journal, plus three percent (3%), but in no event
            greater than the maximum rate permitted by law. In the event the
            Wall Street Journal ceases to publish such rates, Landlord shall
            choose at Landlord's sole discretion a similar publication which
            publishes such rates.

       2.10 Land. The piece or parcel of land described in Exhibit A-2 and all
            rights, easements and appurtenances thereunto belonging or
            pertaining, or such portion thereof as shall be allocated by
            Landlord to the Building.

       2.11 Lease Year. Each consecutive twelve (12) month period elapsing
            after (I) the Commencement Date if the Commencement Date occurs on
            the first day of a month, or (ii) the first day of the month
            following the Commencement Date if the Commencement Date does not
            occur one the first day of a month.

       2.12 Mortgage. Any mortgage, deed of trust, security interest or title
            retention interest affecting the Building or the Land.

       2.13 Mortgagee. The holder of any note or obligation secured by a
            Mortgage, including, without limitation, lessors under ground
            leases, sale-leasebacks and lease-leasebacks.

       2.14 Operating Expenses. As defined in Section 7.2.

<PAGE>

       2.15 Parking Facilities. All parking areas now or hereafter made
            available by Landlord for use by tenants, including, without
            limitation, open-air parking, parking decks and parking areas under
            or within the Building, whether reserved, exclusive, non-exclusive
            or otherwise.

       2.16 Real Estate Taxes. As defined in Article 8.

       2.17 Rent. Basic Rent and additional Rent.

       2.18 Rules and Regulations. The rules and regulations set forth in
            Exhibit C attached hereto and made a part hereof, as the same may be
            amended or supplemented by Landlord from time to time.

       2.19 Substantial Part. More than fifty percent (50%) of the rentable
            square feet of the Premises or the Building, as the case may be.

       2.20 Project. The Building, Land (including without limitation all
            Parking Facilities), and all structures located on the Land.

       2.21 Legal Requirements. All laws, statues, ordinances, orders, rules,
            regulations and requirements, including without limitation all
            mandatory energy conservation requirements and Americans with
            Disabilities Act requirements applicable to the Building, of all
            federal, state and municipal governments, and the appropriate
            agencies, officers, departments, boards and commissions thereof,
            whether now or hereafter in force, which are or may hereafter become
            applicable to the Land, the Building, or any part thereof, as
            applicable; all applicable local, state and federal laws and
            regulations relating to the use on, storage in, and the removal
            from, the Land and/or the Building of hazardous or toxic material,
            petrochemical products or asbestos or products containing asbestos;
            notices from a Mortgagee of the Building as to the manner of use or
            occupancy or the maintenance, repair or condition of the Premises,
            the Land and/or the Building; and all covenants, conditions and
            restrictions of record affecting the use or occupancy of the
            Building.

                                    ARTICLE 3
                                    PREMISES

        3.1 Lease of Premises. In consideration of the agreements contained
            herein, Landlord hereby leases the Premises to Tenant, and Tenant
            hereby leases the Premises from Landlord, for the Term and upon the
            terms and conditions hereinafter provided. As an appurtenance to the
            Premises, Tenant shall have the non-exclusive right, together with
            other tenants of the Building, their Agents and the Landlord, to use
            the Common Area. Landlord shall retain absolute dominion and control
            over the Common Area and shall operate and maintain the Common Area
            in such manner as Landlord, in its sole reasonable discretion, shall
            determine; provided, however, that such exclusive right shall not
            operate to prohibit or materially disrupt Tenant from

<PAGE>

            its use of the Premises for the Permitted Use. Landlord expressly
            reserves the right permanently to change, modify or eliminate, or
            temporarily to close, any portion of the Common Area, Provided that
            such does not unreasonably interfere with Tenant's use of the
            Premises and does not diminish or unreasonably alter the size or
            configuration of the Premises. The Premises are leased subject to,
            and Tenant agrees not to violate, all present and future covenants,
            conditions and restriction record which affect the Land and the
            Building. Landlord shall have provided Tenants with copy of existing
            recorded covenants, conditions and restrictions, of which Landlord
            has actual Knowledge, prior to the execution of this Lease.

        3.2 Landlord's Reservations. In addition to the other rights of Landlord
            under this Lease, Landlord reserves the right (I) to change the
            street address and/or name of the Building, (ii) to install, erect,
            use, maintain and repair mains, pipes, cables, wiring, conduits and
            other such facilities to serve the Building's tenants in and through
            the Premises, (iii) to grant to anyone the exclusive right to
            conduct any particular business or undertaking in the Building or
            the Land, (iv) to establish a condominium regime for the Building,
            Land and/or the Common Area and to include the Premise therein, (v)
            to control the use of the roof and exterior walls of the Building
            for any reasonable purpose, and (vi) to use Tenant's name in
            promotional materials relating to the Building, provided that such
            use only discloses that Tenant's leases part of the Premises and
            does not disclose any terms of this Lease. Landlord may exercise any
            or all of the foregoing rights without being deemed to be guilty of
            an eviction, actual or constructive, or a disturbance or
            interruption of the business of Tenant or Tenant's use or occupancy
            of the Premises.

                                    ARTICLE 4
                             TERM/EXTENSION OPTIONS

        4.1 Initial Term. The initial Term of this Lease shall be as stated in
            Section 1.3

        4.2 Access to Complete Alterations. Landlord agrees that Tenant shall be
            provided adequate and reasonable access to the Premises, prior to
            the Commencement Date, to construct and install the Alterations
            necessary for Tenant to commence the beneficial use of the Lease
            subject to the terms and conditions of this Lease. See, in
            particular, Section 13.2, below. Such access shall be provided as
            necessary to permit Tenant to complete any Landlord-approved plans
            and specifications for such Alterations. Thereafter, upon the
            Landlord's approval of the approval of the Alterations, Tenant shall
            use its commercial best efforts to complete the construction and
            installation of the Alterations in time for it to begin use of the
            Premises by the Commencement Date, subject to the terms and
            provisions of this Lease regarding the construction of Alterations.
            The occupancy of the Premises during the period of construction of
            the approved Alterations at the Premises shall not be deemed to
            constitute the conduct of Tenant's business, and no rent shall be
            charged during such period of construction prior to the Commencement
            Date. In the event the Landlord does not provide Tenant with
            reasonable access to the Premises to construct the approved
            Alterations, then the Commencement Date shall be postponed as
            reasonably necessary to permit Tenant to complete substantially the
            said Alterations. In such case the Expiration Date shall be
            correspondingly extended.

<PAGE>

        4.2 Extension Options. See Exhibit E.

                                    ARTICLE 5
                                      RENT

        5.1 Basic Rent. Tenant shall pay to Landlord the Basic Rent as specified
            in Section 1.6.

        5.2 Payment of Basic Rent. Basic Rent for each Lease Year shall be
            payable in equal monthly installments, in advance, without demand,
            notice, deduction, offset or counterclaim, on or before the first
            day of each and every calendar month during the Term; provided,
            however, that the installment of the Basic Rent payable for the
            first full calendar month of the Term shall be due and payable upon
            the full execution and delivery of this Lease, provided further,
            however, that if the Commencement Date occurs on a date other than
            on the first day of a calendar month, Basic Rent payable for the
            first full month of the Term shall be reduced by the prorated
            portion of the first month's Rent constituting days that preceded
            the Commencement Date, and the last payment of Basic Rent required
            under this Lease, as and if extended, likewise shall be adjusted
            proportionally to ensure payment of Basic Rent, based on the Amount
            then payable, through the Expiration Date. Tenant shall pay the
            Basic Rent and all Additional Rent, by good check or in lawful
            currency of the United States of America, to Landlord at Landlord's
            Address or to such other address or in such other manner as Landlord
            from time to time specifies by written notice to Tenant. If Tenant
            makes any payment to Landlord by check, such payment shall be by
            check of Tenant and Landlord shall not be required to accept the
            check of any other person (except for Access National Bank), and any
            check received by Landlord shall be deemed received subject to
            collection. If any check is mailed by Tenant, Tenant shall post such
            check in sufficient time prior to the date when payment is due so
            that such check will be received by Landlord on or before the date
            when payment is due. Tenant shall assume the risk of lateness or
            failure of delivery of the mails, and no lateness or failure of the
            mails will excuse Tenant from its obligation to make the payment in
            question when required under this Lease. All bank service charges
            resulting from any bad checks shall be borne by Tenant, together
            with an administrative fee of $150. Any payment made by Tenant to
            Landlord on account of Basic Rent may be credited by Landlord to the
            payment of any late charges then due and payable and to any Basic
            Rent or Additional Rent then past due before credited to Basic Rent
            currently due.

        5.3 Additional Rent. All sums payable by Tenant under the Lease, other
            than Basic Rent, shall be deemed "Additional Rent," and, unless
            otherwise set forth herein, shall be payable in the same manner as
            set forth above for Basic Rent.

        6.1 General. Simultaneously with the execution of this Lease, Tenant
            shall deposit in the Security Deposit with Landlord, which shall be
            held by Landlord as security for the performance of Tenant's
            obligations and covenants under the Lease. If in cash, Landlord
            shall deposit the same into a money market or other interest bearing
            account, with interest becoming part of the Security Deposit. It is
            expressly understood and agreed that such Security Deposit is not an
            advance rental deposit or a measure of Landlord's damages in case of
            an Event of Default;

            and that it shall not be maintained separately from the general
            funds of Landlord or otherwise be an identifiable fund but rather
            shall exist solely as an obligation of Landlord to Tenant as
            provided in, and subject to the terms and conditions of, this Lease.

<PAGE>

        6.2 Security in the Form of Cash. If an Event of Default shall occur or
            if Tenant fails to surrender the Premises in the condition required
            by this Lease, Landlord shall have the right (but not the
            obligation), and without prejudice to any other remedy which
            Landlord may have on account thereof, to draw down, if a letter of
            credit, and any event to apply all or any portion of the Security
            Deposit to cure such default or to remedy the condition of the
            Premises. If Landlord so applies the Security Deposit or any portion
            thereof before the Expiration Date or earlier termination of this
            Lease, Tenant shall deposit with Landlord, upon demand, the amount
            necessary in cash to restore the Security Deposit to an amount equal
            to one (1) month's Basic Rent at the Basic Rent rate payable at the
            time of such restoration. If Landlord shall sell or transfer its
            interest in the Building, Landlord shall have the right to transfer
            the Security Deposit to such purchaser or transferee, in which
            event, provided Landlord provides Tenant with reasonable written
            evidence that the Security Deposit has been delivered to the
            purchaser or transferee, Tenant shall look solely to the new
            landlord for the return of the Security Deposit, and Landlord
            thereupon shall be released from all liability to Tenant for the
            return of the Security Deposit. Although the Security Deposit is and
            shall be deemed the property of Landlord, any remaining balance of
            the Security Deposit shall be returned to Tenant after the
            expiration or earlier termination of this Lease, provided that all
            of Tenant's obligations under this Lease have been fulfilled.
            Landlord shall conduct a "Post Move-Out Inspection" of the Premises
            within thirty (30) days after the expiration or termination of this
            Lease and shall return all or the applicable portion of the Security
            Deposit within sixty (60) days after such Inspection, together with
            an explanation of any non-return, which itemizes any deductions from
            the Security Deposit. The Security Deposit shall not be mortgaged,
            pledged, assigned or encumbered in any manner whatsoever by Tenant.

                                    ARTICLE 7
                               OPERATING EXPENSES

        7.1 Tenant's Proportionate Share of Operating Expenses. Beginning with
            the payment of Basic Rent due on the first day of the second Lease
            Year, Tenant shall pay to Landlord throughout the Term, as
            Additional Rent, Tenant's Proportionate Share of the amount by which
            the Operating Expenses during each Calendar Year of the Lease Term
            exceeds the Expense Stop. Landlord shall estimate and Tenant shall
            pay the amounts due as provide in Section 7.4. In the event that the
            Commencement Date or the Expiration Date are other than the first
            day of a Calendar Year then Tenant's Proportionate Share of the
            Operating Expenses for the first Calendar Year in which such
            payments are required shall be calculated nonetheless based upon the
            Expense Stop, subject only to reasonable adjustment as set forth in
            Section 7.2.

        7.2 Operating Expenses Defined. As used herein, the term "Operating
            Expenses" shall mean all expenses and costs of every kind and nature
            which Landlord reasonably incurs because of or in connection with
            the ownership, maintenance, management and operation of the Building
            (which expressly includes the Land, the Building and the Common
            Area). If the Building is less than ninety-five percent (95%)
            occupied in the calendar year 2001, then the Expense Stop shall be
            reasonably and equitably adjusted upwards to reflect an occupancy
            level for the Building of ninety-five percent (95%) for such year.
            If for any Calendar Year the Building is less than ninety-five
            percent (95%) occupied, Operating Expenses shall include all
            additional costs and expenses of operation, management and
            maintenance of the Building which Landlord reasonably and equitably
            determines that it would have paid or incurred during any Calendar
            Year if the Building had been ninety-five percent (95%) occupied.
            If, during all or any part of a Calendar Year, any part of the
            Building is leased to a tenant (hereinafter referred to as a
            "Special Tenant") which, in accordance with the terms of its lease,
            provides its own cleaning and janitorial services, has separately
            metered

<PAGE>

            electrical service or is not otherwise required to pay Operating
            Expenses Increases on the basis of operating expenses for the
            Building which include substantially the same components as the
            Operating Expenses (as defined in Section 7.2), the Operating
            Expenses for such Calendar Year shall be increased by the additional
            costs for cleaning and janitorial service, electricity and the other
            expenses, as reasonably estimated by Landlord, that would have been
            incurred by Landlord (based on normal use and occupancy of an
            ordinary business without special cooling, electrical or other
            operational requirements) if Landlord had furnished and paid for
            cleaning and janitorial services for the space occupied by the
            Special Tenant, the space occupied by the Special Tenant was not
            separately metered for electricity or Landlord had furnished and
            paid for any other service which the Special Tenant did not receive
            and which was not included in operating expenses as defined in the
            Special Tenant's lease. Operating Expenses shall include, without
            limitation, all costs, expenses and disbursements that are incurred
            or made commercially reasonably and in connection with the
            following:

                (i) Wages and salaries of all employees, including without
                    limitation an onsite management agent and staff, whether
                    employed by Landlord or the Building's management company,
                    engaged in the operation and maintenance or security or the
                    Building and all costs related to or associated with such
                    employee or the carrying out of their duties, including
                    uniforms and their cleaning, taxes, auto allowances and
                    insurance and benefits (including, without limitation,
                    contributions to pension and/or profit sharing plans and
                    vacation or other paid absences);

               (ii) All supplies and materials, including janitorial and
                    lighting supplies, used directly in the operation and
                    maintenance of the Land and Building;

              (iii) All utilities, including without limitation, electricity,
                    telephone (including, without limitation, all costs and
                    expenses of telephone service for the sprinkler alarm
                    system, if any), communications, cable, water, sewer, power,
                    gas, heating, lighting and air conditioning for the Land and
                    Building, except to the extent such utilities are charged
                    directly to or paid directly by, a tenant of the Building
                    (but any tenant paying surcharges or direct payments due to
                    approved excess use shall not be precluded from paying for
                    its "basic" or average use);

               (iv) All insurance purchased by Landlord or the Building's
                    management company relating to the Land and Building and any
                    equipment or other property contained therein or located
                    thereon including, without limitation, casualty, liability,
                    rental loss, sprinkler and water damage insurance;

                (v) All repairs to the Land and Building (excluding repairs paid
                    for by the proceeds of insurance or by Tenant or other third
                    parties other than as apart of the Operating Expenses),
                    including interior, exterior, structural or non-structural,
                    and regardless of whether foreseen or unforeseen;

<PAGE>

               (vi) All maintenance of the Land and Building, including,
                    without limitation, painting, ice and snow removal,
                    landscaping including the purchase and installation of
                    additional landscaping not included in the original
                    landscaping plan and replacement or substitute landscaping,
                    groundskeeping and the patching, painting and resurfacing of
                    driveways and parking lots;

              (vii) A management fee, not to exceed five percent (5%) payable
                    to Landlord or the company or companies, whether or not
                    related to Landlord, managing the Building including but not
                    limited to a separate fee for the Parking Facilities, if
                    any;

             (viii) All maintenance, operation and service agreements for the
                    Land And Building, and any equipment related thereto,
                    including, without limitation, service and/or maintenance
                    agreements for the sprinkler system in the Building, if any
                    (excluding those paid for by Tenant or any third parties
                    other than as a part Operating Expenses);

               (ix) Accounting and legal fees incurred in connection with the
                    operation and maintenance of the Building or related
                    thereto;

                (x) Any additional services not provided to the Building at the
                    Commencement Date but thereafter provided by Landlord as
                    Landlord in its reasonable discretion shall deem necessary
                    or desirable in connection with the management or operation
                    of the Land and Building;

                    thereof;

               (xi) Any and all computer rentals reasonably required for energy
                    management or security monitoring systems, if any;

              (xii) Any capital improvements made to the Building, whether
                    during the period used to calculate the Expense Stop or
                    after the Commencement Date (other than those made for the
                    additional of rentable square footage to the Building or for
                    the sole benefit of a Building tenant pursuant to its
                    lease), the cost of which shall be amortized over such
                    reasonable period as Landlord shall determine (such periods
                    shall be not less than as the minimum period(s) permitted by
                    the Internal Revenue Code, as amended), together with
                    interest on the unamortized balance of such cost at the
                    Interest Rate or such higher rate as may have been paid by
                    Landlord on funds borrowed for the purposes of constructing
                    said capital improvements;

             (xiii) All Real Estate Taxes which are defined in Article 8
                    below; all business license fees, personal property taxes
                    and other taxes or license fees which are part of the Land
                    and Building operations; and

              (xiv) Other reasonable expenses and costs of operating and
                    maintaining the Land and Building.

<PAGE>

        7.3 Exclusions from Operating Expenses. Operating Expenses shall not
            include the following:

                (i) Legal fees, space planners' fees, real estate brokers'
                    leasing commissions and advertising expenses incurred solely
                    in connection with the leasing of space in the Building;

               (ii) Costs and expenses of alterations or improvements of the
                    Premises or the leasehold premises of other individual
                    tenants;

              (iii) Costs of correcting defects in the Building or the
                    materials used in the construction of the Building or the
                    equipment or appurtenances thereto to the extent covered by
                    warranties and recovered by Landlord;

               (iv) Depreciation, interest and principal payments on mortgages
                    and other debts costs, if any, other than amortization of
                    and the interest factor attributable and permitted capital
                    improvements;

                (v) Costs and expenses associated with the ownership interest in
                    the Landlord and the operation of the business of the person
                    or entity which constitutes Landlord as the same are
                    distinguished from the costs of operation of the Building,
                    including accounting and legal matters, costs of defending
                    any lawsuits with any mortgagee (except to the extent the
                    actions of Tenant or any other tenant may be in issue), cost
                    of selling or financing any of Landlord's interest in the
                    Building and outside fees paid in connection with disputes
                    with other tenants; and

               (vi) Costs and expenses directly resulting from the gross
                    negligence or willful misconduct of Landlord or its Agents,
                    to the extent proven by Tenant.

        7.4 Estimated Payments. Landlord shall submit to Tenant, before the
            beginning of each Calendar Year or as soon thereafter as possible, a
            reasonably itemized statement of Landlord's estimate of the
            Operating Expenses payable by the Tenant during such Calendar Year.
            In addition to the Basic Rent, Tenant shall pay to Landlord on or
            before the first day of each month the property prorated share of
            estimated operating expenses payable by Tenant for such Calendar
            Year as set forth in Landlord's statement. If Landlord fails to give
            Tenant notice of its estimated payments due under this Section for
            any Calendar Year, then Tenant shall continue making monthly
            estimated payments in accordance with the estimate for the previous
            Calendar Year until a new estimate is provided. If the Landlord
            determines that, because of unexpected increases in Operating
            Expenses or other reasons, Landlord's estimate of the Operating
            Expenses was too low, then Landlord shall have the right at any time
            and from time to time to give a new statement of the estimated
            Operating Expenses due from Tenant for such Calendar Year or the
            balance thereof and to bill Tenant for any deficiency which may have
            accrued during such Calendar Year, and Tenant within thirty (30)
            days after notice from Landlord shall pay such deficiency to
            Landlord and thereafter Tenant shall pay monthly estimated payments
            based on

<PAGE>

            such new statement, provided that such an adjustment shall not occur
            not more often than once per year.

        7.5 Actual Operating Expenses. Within one hundred twenty (120) days
            after the end of each Calendar Year, or as soon as possible
            thereafter, Landlord shall submit a statement to Tenant showing the
            actual Operating Expenses for such Calendar Year and Tenant's
            Proportionate Share of the amount by which such Operating Expenses
            exceed the Expense Stop. If for any Calendar Year Tenant's estimated
            monthly payments exceed Tenant's Proportionate Share of the amount
            by which the actual Operating Expenses for such Calendar Year exceed
            the Expense Stop, then Landlord shall give Tenant credit in the
            amount of the overpayment toward Tenant's next monthly payments of
            estimated Operating Expenses. If for any Calendar Year Tenant's
            estimated monthly payments are less than Tenant's Proportionate
            Share of the amount by which the actual Operating Expenses for such
            Calendar Year exceed the Expense Stop, then Tenant shall pay the
            total amount of such deficiency to Landlord within thirty (30) days
            after notice from Landlord. Landlord's and Tenant's obligations with
            respect to any overpayment or under payment of Operating Expenses
            shall survive the expiration or termination of this Lease,

        7.6 Tenant's Right to Audit. In the event Tenant shall dispute the
            amount set forth in Landlord's statement of actual Operating
            Expenses of the Building, Tenant shall have the right, not later
            than sixty (60) days following receipt of such statement, to cause
            Landlord's books and records with respect to the preceding Calendar
            Year to be audited by an independent certified public accountant
            mutually acceptable to Landlord and Tenant. Such audit shall occur
            upon not less than ten (10) business days' written notice to
            Landlord, at Landlord's place of business or the actual location of
            the Landlord's books and records if different from Landlord's place
            of business, during Landlord's normal business hours. The amount
            payable under this Section by Landlord to Tenant or by Tenant to
            Landlord, as the case may be, shall be appropriately adjusted on the
            basis of such audit. If such audit discloses an overstatement by
            Landlord of the Operating Expenses for the Land and Building of more
            than ten percent (10%), the cost of such audit shall be borne by
            Landlord and shall not be considered as an Operating Expense for
            purposes of this Lease; otherwise, the cost of such audit shall be
            borne by Tenant. Notwithstanding the foregoing, in no event shall
            Landlord's cost for such audit exceed One Thousand Dollars
            ($1,000.00). If Tenant shall not request an audit in accordance with
            the provisions of this Section within (60) days of receipt of
            Landlord's statement of actual Operating Expenses, such statement
            shall be conclusively biding upon Landlord and Tenant.

                                    ARTICLE 8
                                      TAXES

            "Real Estate Taxes" shall mean all taxes and assessments, including
        but limiting to, general or special, ordinary or extraordinary, foreseen
        or unforeseen, assessed, levied or imposed by any governmental authority
        upon the Building and the Land and upon the fixtures, machinery,
        equipment or systems in, upon or used in connection with any of the
        foregoing, and the rental, revenue or receipts derived therefrom, under
        the current or any future taxation or assessment system or modification
        of, supplement to, or substitute for such systems. Real Estate Taxes
        also shall include special assessments, which are in the nature of or in
        substitute for real estate taxes, including, without limitation, road
        improvement assessments, special use are assessments

<PAGE>

         and school district assessments. Real Estate Taxes shall exclude
         ordinary income taxes of Landlord. If at any time the method of
         taxation prevailing at the date of Lease shall be altered so that in
         lieu of, as a substitute for or in addition to the whole or any part of
         the taxes now levied or assessed, there shall be levied or assessed a
         tax of whatever nature, then the same shall be included as Real Estate
         Taxes hereunder. Further, for the purposes of this Article, Real Estate
         Taxes shall include the reasonable expenses (including, without
         limitation, attorneys' fees) incurred by Landlord in challenging or
         obtaining or attempting to obtain a reduction of such Real Estate
         Taxes, regardless of the outcome of such challenge. Notwithstanding the
         foregoing, Landlord shall have no obligation to challenge Real Estate
         Taxes. If as a result of any such challenge, a tax refund is made to
         Landlord, then the amount of each refund less the expenses of the
         challenge shall be deducted from Real Estate Taxes due in the Lease
         Year such refund is received.

                                    ARTICLE 9
                                     PARKING

        9.1 Parking Spaces. During the Term, Tenant shall have the right to park
            at no cost in that number of spaces equaling 3.6 parking spaces per
            1,000 rentable square feet (or such lower number of spaces per foot
            as may hereafter be the minimum required by applicable law). In
            addition, Tenant shall be allocated five (5) reserved parking
            spaces, I a location to be selected by Landlord with the approval of
            Tenant, which approval shall not unreasonably be withheld, and
            subject however to relocation from time to time, as reasonably
            determined by Landlord. Tenant shall be solely responsible for
            enforcing its rights to such reversed parking spaces. Landlord shall
            permit Tenant to use additional spaces allocable to portions of the
            Building which are unoccupied from time to time.

        9.2 Changes to Parking Facilities. Landlord shall have the right, from
            time to time, without consent, to change, alter, add to, temporarily
            close or otherwise affect the Parking Facilities in such manner as
            Landlord, in its reasonable discretion, deems appropriate,
            including, without limitation, the right to designate reserved
            spaces available only for use by one or more tenants (however, in
            such event, those parking spaces shall still be deemed Common Area
            for the purpose of the definition of Operating Expenses).

                                   ARTICLE 10
                                       USE

       10.1 Tenant shall occupy the Premises solely for the Permitted Use and
            under Tenant's Trade Name and/or under the name(s) of any
            assignee(s) or subleases(s) that are permitted under the terms of
            this Lease. The Premises shall not be used for any other purpose
            without the prior written consent of Landlord. Tenant shall comply,
            at Tenant's expense, with (I) all present and future laws,
            ordinances, regulations and orders of the United States of America,
            the Commonwealth of Virginia and any other public or quasi-public
            federal, state, or local authority having jurisdiction over the
            Premises, and (ii) any reasonable request of Mortgagee or any
            insurance company providing coverage with respect to the Premises.
            Tenant shall not use or

<PAGE>

            Occupy the Premises in any manner that is unlawful or dangerous or
            that shall constitute material waste, unreasonable annoyance or
            nuisance to Landlord or the other tenants of the Building.

       10.2 Payment of Taxes. Throughout the Term, Tenant covenants and agrees
            to pay ten (10) days before delinquency any and all taxes,
            assessments and public charge levied, assessed or imposed upon
            Tenant's business conducted in the Leased Premises, upon the
            leasehold estate or upon Tenant's personal property.

                                   ARTICLE 11
                            ASSIGNMENT AND SUBLETTING

            Tenant shall not assign, transfer, mortgage or otherwise encumber
        this Lease or sublet or rent (or permit a third party to occupy or use)
        the Premises, or any part thereof, nor shall any assignment or transfer
        of this Lease or the right of occupancy hereunder be effected by
        operation of law or otherwise, without the prior written consent of
        Landlord which shall not be unreasonably withheld, conditioned or
        delayed. The parties acknowledge that Tenant is negotiating a sublease
        of approximately 1,000 square feet with a certified public accountant
        which sublease would begin after the Commencement Date. Landlord agrees
        to approve such sublease, provided that the Tenant provides a written
        copy of such sublease to Landlord at least fifteen (15) days prior to
        the commencement date thereof and such sublease (I) provides for rent
        comparable to the rental rate of the Basis Rent, and (ii) the sublease
        does not contain any provisions which are contrary to the terms and
        conditions of this Lease. For purposes of the foregoing prohibition, a
        transfer at any one time or from time to time of twenty percent (20%) or
        more of an interest in Tenant (whether stock, partnership interest or
        other form of ownership or control) by any person(s) or entity (ties)
        having an interest in ownership or control of Tenant at the Lease Date
        or thereafter shall be deemed to be an assignment of this Lease. In the
        event of an assignment or subletting, the initial Tenant (and, as
        applicable, any subsequent tenant) shall remain liable under this Lease
        and the initial Tenant shall pay to Landlord fifty percent (50%) of the
        amount of rent or other sums directly or indirectly received by Tenant
        from any subtenant or assignee which exceeds (a) actual reasonable costs
        incurred by Tenant for subtenant/assignee improvements and real estate
        brokerage commissions, each as amortized over the Term of the Lease,
        plus (b) the Rent due hereunder. Any assignment, encumbrance, or
        sublease without Landlord's written consent, unless otherwise expressly
        permitted under this Section 11.1, shall be voidable by Landlord and, at
        Landlord's election, constitute an Event of Default hereunder. Neither
        the consent by Landlord to any assignment, transfer, encumbrance or
        subletting nor the collection or acceptance by Landlord of rent from any
        assignee, subtenant or occupant shall be construed as a waiver or
        release of the initial Tenant or any Guarantor from the terms and
        conditions of this Lease or relieve Tenant or any subtenant, assignee or
        other party from obtaining the consent in writing of Landlord to any
        further assignment, transfer, encumbrance or subletting. Tenant hereby
        assigns to Landlord the rent and other sums due from any subtenant,
        assignee or other occupant of the Premises and hereby authorizes and
        directs each such subtenant, assignee or other occupant to pay such rent
        or other sums directly to Landlord; provided, however, that until the
        occurrence of an Event of Default, Tenant shall have the license to
        continuing collecting such rent and other sums. In addition to the
        foregoing limitations on assignment and/or

<PAGE>

        subletting, upon any written request by Tenant for approval or consent
        of an assignment, sublease or other use by a third party of more than
        fifty percent (50%) of the Premises (an informal or general oral request
        shall not trigger this provision), Landlord shall have the right, but
        not the obligation, to terminate the Lease, as to all or a portion of
        the Premises concerning which such request was made, which right shall
        be exercised, if at all, within ten (10) business days after Landlord's
        receipt of such request; if the right is not so exercised, then Landlord
        shall maintain such right as to any and all future such requests for
        more than fifty percent (50%) of the Premises.

                                   ARTICLE 12
                             MAINTENANCE AND REPAIR

       12.1 Landlord's Obligation. As long as no Event of Default has occurred
            and is continuing, Landlord shall keep and maintain in good repair
            and working order the structural and non-structural parts of the
            Building (including the roof), the Common Area and the major systems
            of the Building (including but not necessarily limited to heating,
            ventilation, air conditioning, electrical and plumbing) within and
            serving the Premises and the Building (excluding Tenant's leasehold
            improvements in the Premises) that are required for the normal
            maintenance and operation of the Premises, the Building and the
            Land. The cost of such maintenance and repairs to the Building, the
            Land and said equipment shall be included in the Operating Expenses
            and paid by Tenant as provided in Article 7 herein. Tenant shall
            immediately give Landlord written notice of any defect or need for
            repairs. After such notice, Landlord shall have a reasonable
            opportunity to repair or cure such defect; however, Landlord shall
            diligently proceed with the correction of such defects as soon as
            reasonably possible after receipt of such notice. Landlord's
            liability with respect to any defects, repairs or maintenance for
            which Landlord is responsible under any of the provisions of this
            Lease shall be strictly limited to the cost of such repairs or
            maintenance or the curing of such defect; and shall not include
            responsibility or liability for or relating to any consequential,
            incidental or special injuries or damages that Tenants may incur.
            Notwithstanding the foregoing, in the event of such defects
            interfere with or prevent Tenant's use of the Premises, and Landlord
            neglects to correct such defects for a period exceeding thirty (30)
            days after notice thereof, Tenant shall have the right, after first
            giving the Landlord five (5) days prior written notice, to take such
            actions against the next month's Basic Rent. In addition to the
            foregoing, Landlord shall, at Landlord's cost an expense, take
            reasonably appropriate and timely action to maintain the Building
            (but not at any Alternations or other leasehold improvements
            installed by Tenant within the Premises) and Common Area in
            compliance with such Legal Requirements as are imposed by order of
            any governmental or quasi-governmental agency or authority with
            respect to any Common Areas for which Landlord is responsible as
            stated in this sentence, including, without limitation, the removal
            of Hazardous Materials and the costs of retrofitting or refurbishing
            areas to comply with such Legal Requirements that relate to
            handicapped access or use pursuant to the Americans with
            Disabilities Act. Without limiting anything else contained in this
            section, Landlord agrees to make (I) such corrections to the third
            floor bathrooms as are necessary to bring them into compliance with
            the Americans with Disabilities Act, and (ii) repairs and
            adjustments to the elevators located in the Premises so that the
            elevators are in good working order on the Commencement Date.

<PAGE>

       12.2 Tenant's Obligation. Tenant shall at is own expense, maintain all
            of Tenant's leasehold improvements in the Premises and other real
            and personal property within the Premises in good condition,
            promptly making all necessary repairs and replacements. Tenant shall
            repair at its own expense, any and all damage caused by Tenant or
            Tenant's Agents, contractors or subcontractors to the Building, the
            Common Area, the Land or the Premises, including equipment within
            and serving the Building, ordinary wear and tear expected (but not
            during any periods of construction by or on account of Tenant). Not
            withstanding the foregoing, the Tenant shall bear the cost of, but
            shall not itself perform without Landlord's prior consent, any such
            repairs which would affect the Building's structure or mechanical or
            electrical systems or which would be visible from the exterior of
            the Building or from any interior Common Area of the Building. Where
            Landlord performs such repairs, Tenant shall promptly pay to
            Landlord upon the demand date until paid. Without the prior written
            consent of the Landlord, which shall not unreasonably be withheld,
            Tenant shall not have access to the roof of the Building for any
            purpose whatsoever. In addition to the foregoing, Tenant shall, at
            Tenant's cost and expense, take reasonably appropriate and timely
            action to maintain the entire third floor, as well as any portion of
            the Premises or otherwise defined premises rented by Tenant
            hereafter, in compliance with such Legal Requirements as are imposed
            by order of any governmental or quasi-governmental agency or
            authority with respect to any such areas for which Tenant is
            responsible as stated in this sentence, including, without
            limitation, the removal of Hazardous Materials and the costs of
            retrofitting or refurbishing areas to comply with such Legal
            Requirements that relate to handicapped access or use pursuant to
            the Americans with Disabilities Act.

       12.3 Compliance with Legal Requirements. Tenant, at its own expense,
            shall ensure that its Alterations made before the Commencement Date
            comply with Legal Requirements, and agrees to make any Alterations
            required after the Commencement Date to comply with Legal
            Requirements to the Premises and to the Building, provided, however,
            that its obligations with respect to the Building shall be limited
            to the extent the obligation to comply with such Legal Requirements
            arises from or is legally required for Tenant's use or manner of use
            of the Premises. Tenant shall not use or occupy the Premises, or
            permit the Premises, the Building, the Parking Facility of the Land
            to be used or occupied, in violation of any Legal Requirements. If,
            the Premises are being used for a purpose which is in violation of
            any Legal Requirements, Tenant shall, upon five (5) days' notice
            from Landlord, immediately discontinue such use if the Premises. If
            thereafter the governmental authority asserting such violation
            threatens, commences or continues proceedings against Landlord for
            Tenant's failure to discontinue such use, in addition to any and all
            rights, privileges and remedies given to Landlord under this Lease
            for default therein, Landlord shall have the right to terminate this
            Lease forthwith. Tenant shall indemnify and hold harmless Landlord
            from and against any and all liability for such violation or
            violations, including without limitation attorney's fees, costs of
            experts and court costs.

       12.4 Landlord's Right to Maintain Repair. If, within five (5) days
            following the notice to Tenant, Tenant fails to commence to repair
            or replace any damage to the Premises, Land or Building which is
            Tenant's obligation to perform, and/or fails diligently to pursue
            timely completion of such repair and replacement, Landlord may, at
            its option, cause all required maintenance, repairs or replacements
            to be made. Tenant shall promptly pay Landlord all costs incurred in
            connection therewith plus interest thereon at the Interest Rate from
            the due date until paid.

<PAGE>

                                   ARTICLE 13
                                   ALTERATIONS

       13.1 Landlord Obligations. Landlord shall perform such renovations to
            the Common Area of the Building as are necessary to cause the third
            floor bathrooms to comply with the requirements of the Americans
            with Disabilities Act, and shall repair the elevators, all as
            provided above in this Lease. Landlord has no obligation to perform
            any demolition work or to make any other improvements to the
            Building or the Premises or to deliver or install any materials in,
            to or at the Premises. Other the Premises being broom clean, they
            shall be delivered to the Tenant "as is".

       13.2 Alterations. Tenant shall not make or permit any Alterations
            without prior written consent of Landlord, which shall not
            unreasonably be withheld or delayed. In the event Landlord fails to
            respond in writing within fifteen (15) business days after Tenant
            submits its plans for any Alterations, then such plans shall be
            deemed to have been approved by Landlord. Landlord may impose any
            reasonable conditions to its consent, including, without limitation,
            (i) delivery to Landlord of written and unconditional waivers of
            mechanic's and material men's liens as to the Premises, the Building
            and the Land for all work, labor, and services to be performed and
            materials to be furnished, signed by all contractors,
            subcontractors, material men and laborers participating in the
            Alterations, (ii) prior reasonable approval of the plans and
            specifications and Tenant's contractor(s) with respect to the
            Alterations, (iii) supervision of the Alterations by Landlord's
            representative at Tenant's expense and (iv) delivery to Landlord of
            payment and performance bonds naming Landlord and Mortgagee as
            obliges. The Alterations shall conform to the requirements of
            Landlord's and Tenant's insurers and of all Legal Requirements,
            shall be performed in accordance with the terms and provisions of
            this Lease in a good and workmanlike manner befitting a comparable
            first class office building and shall not adversely affect the
            value, utility or character of the Premises. If the Alterations are
            not performed as herein required, Landlord shall have the right, to
            halt any further Alterations, and/or to require Tenant to perform
            the Alterations as herein required or to require Tenant to return
            the Premises to its condition before such Alterations. Subject to
            Section 13.3 herein, a;; Alterations and fixtures, whether temporary
            or permanent in character, made in or upon Premises either by Tenant
            or Landlord, will immediately become Landlord's property and, at the
            end of the term will remain on the Premises without compensation to
            the Tenant. Notwithstanding the foregoing, if any mechanics or
            material men's lien is filed against the Premises, the Building or
            the Land for work claimed to have been done for, or materials
            claimed to have been furnished to or for the benefit of Tenant, or
            the filing of any bond required by law to affect a discharge. If
            Tenant shall fail to discharge any such lien, Landlord may (but
            shall not be obligated to) discharge the same, the cost of which,
            together with attorney's fees and court costs incurred by Landlord,
            shall be paid by Tenant within ten (10) days of demand by Landlord.
            Such discharge by Landlord shall not be deemed to waive or release
            the default of Tenant in not discharging the same. Neither
            Landlord's consent to the Alterations nor anything contained in this
            Lease shall be deemed to be the agreement or consent of Landlord's
            interest in the Premises, the Building or the Land to any mechanic's
            or material men's lien which may be filed in respect of the
            Alterations.

       13.3 Removal of Alterations. All or any part of the Alterations
            (including, without limitation, wall-to-wall carpet and wiring),
            whether made with or without the consent of Landlord, shall, at the
            election of the Landlord, to be made at such time as Landlord
            determines in its sole discretion, either be removed by Tenant at
            its expense before, or if the election is made following a
            termination of the Lease, immediately

<PAGE>

            following, the expiration of the Term or shall remain upon the
            Premises and be surrendered therewith at the Expiration Date or
            earlier termination of this Lease as the property off Landlord
            without disturbance, molestation or injury. If Landlord requires the
            removal of all or part of the Alterations, Tenant, at its expense,
            shall repair any damage to the Premises or the Building caused by
            such removal. If Tenant fails to remove Alterations that it is
            required to remove pursuant to Landlord's election, then Landlord
            may (but shall not be obligated to) remove the same and the cost of
            such removal and repair of any damage caused by the same, together
            with any and all damages which Landlord may suffer and sustain by
            reason of the failure of Tenant to remove the same, shall be charged
            to designate such items as it requests permission to remove at the
            expiration of the Lease, which items Landlord shall approve or
            disapprove for such removal by Tenant in conjunction with an
            approval of the plan. All decisions required or permitted to be made
            by Landlord in this Section 13.3 shall be made in the Landlord's
            reasonable discretion (which discretion may take into account such
            matters as the complexity, difficulty or damage to the Building
            resulting from removal, among other matters deemed pertinent by
            Landlord). Notwithstanding anything contained herein to the
            contrary, Landlord shall not require the removal by Tenant of any
            separate parts of Alterations which constitute Building Standard
            items unless such items are installed in other Alterations which
            themselves the Landlord has reasonably decided shall be removed.

       13.4 Landlord Alterations. Landlord shall have no obligation the make
            any Alterations in or to the Premises, the Building, the Common Area
            or the Land, except as specifically provided in this Lease. Landlord
            hereby reserves the right, from time to time, to make Alterations to
            the Building or the land, change the Building dimensions, erect
            additional stories thereon and attach other buildings and structures
            thereto, and to erect such scaffolding and other aids to
            construction as Landlord deemed appropriate, and no such
            Alterations, changes, construction or erection shall constitute an
            eviction, constructive or otherwise, or permit Tenant any abatement
            of Rent or claim, provided that such Alterations, unless required by
            a Legal Requirement related to Tenant's use of the Premises, shall
            not unreasonably alter the configuration of the Premises.

                                   ARTICLE 14
                                      SIGNS

       14.1 General Prohibition. No sign, advertisement or notice shall be
            inscribed, painted, affixed, placed, or otherwise displayed by
            Tenant on any part of the Land or the outside of the inside
            (including, without limitation, the windows) of the Building or the
            Premises, except as provided in this Article 14. If any prohibited
            sign, advertisement or notice is nevertheless exhibited by Tenant,
            Landlord shall have the right to remove the same, and Tenant shall
            pay any all expenses incurred by Landlord in such removal, together
            with interest thereon at the Interest Rate, upon demand. Landlord
            shall have the right to prohibit any sign, advertisement, notice or
            statement to the public by Tenant, which, in Landlord's sole
            opinion, tends to impair the reputation of the Building as a Class A
            building.

       14.2 Indoor Signs. Inside the Building, Landlord shall provide one
            building standard office lobby directory sign for use for the
            identification and suite number of all Tenants. Tenant and the
            location of the Premises shall be identified thereon, at Landlord's
            expense. Landlord also shall provide on (1) building standard suite
            entry sign, at Landlord's expense.

       14.3 Exterior Signage. Landlord shall at Tenant's sole expense, place a
            tenant identification sign on the Building monument sign (together
            with, at Landlord's sole election, other tenants in the Building) in
            accordance with all applicable covenants,

<PAGE>

            restrictions, laws and governmental regulations. The cost of
            construction, maintenance, and repair of any exterior signage that
            is used by more than one Building Tenant shall be an Operating
            Expense; any exterior signage that is used solely by Tenant, if any
            such signage exists, shall be deemed to be a part of the Tenant's
            improvements for which Tenant is solely responsible as provided in
            Sections 12.2 through 12.4. Any other permitted signs shall be
            installed and maintained by Landlord at Tenant's sole expense.
            Notwithstanding the foregoing, so long as no Event of Default has
            occurred and is then continuing, and Tenant has not assigned the
            Lease nor sublet more than twenty-five percent (25%) of the total
            number of gross rentable square feet contained in the original
            Premises, Tenant shall have the non-exclusive right, at Tenant's
            expense, to affix to and retain, on the front portion of the
            Building, on the top level of pre-cast, a single sign bearing
            Tenant's then current corporate logo. It is the intent of Landlord
            and Tenant that the sign be sufficiently large and prominently
            placed so as to make Tenant's occupancy of the Building reasonably
            visible and identifiable to vehicular and pedestrian traffic, while
            still permitting the possibility of Landlord's later affixing or
            permitting a similarly sized sign for a second floor tenant. The
            size, color, material, location and placement of the sign must be
            reasonably acceptable to Landlord. Tenant's rights under this
            Section 14.3 shall not be assignable by Tenant, except to wholly
            owned subsidiary. Tenant shall procure all necessary signage permits
            at Tenant's sole expense and Tenant shall pay for the sign without
            the use if any allowance from Landlord. Tenant shall, at Tenant's
            expense, remove the sign at the expiration or earlier termination of
            Tenant's rights under the Lease or this Exhibit and Tenant shall
            repair, at Tenant's expense, any damage caused to the Building by
            such removal.

                                   ARTICLE 15
                         TENANT'S EQUIPMENT AND PROPERTY

       15.1 Moving Tenant's Property. Any and all damage or injury to the
            Premises or the Building caused by moving the property of Tenant
            into or out of the Premises, or due to the same being on the
            Premises, shall be repaired by Landlord, at the expense of Tenant.
            Tenant shall promptly remove from the Common Area any of Tenant's
            furniture, equipment or other property there deposited.

       15.2 Installing and Operating Tenant's Equipment. Without first
            obtaining the written consent of Landlord, which shall not
            unreasonably be withheld or delayed, Tenant shall not install or
            operate in the Premises (i) any electrically operated equipment or
            other machinery, other than standard office equipment that does not
            require wiring, cooling, or other service in excess of Building
            Standards, (ii) any equipment of any kind or nature whatsoever which
            will require any changes, replacements or additions to, or changes
            in the use of, any water, heating, plumbing, air conditioning or
            electrical system of the Premises or the Building, or (iii) any
            equipment which causes the floor load to exceed at any place the
            load limits set by Landlord for the Building. Landlord's consent to
            such installation or operation may be conditioned upon the payment
            by Tenant of additional compensation for any excess consumption of
            utilities and any additional power, wiring, cooling or other service
            (as determined in the sole discretion of Landlord) that may result
            from such equipment. Machines and equipment which cause noise,
            interfering electrical or electronic transmissions or vibrations
            that may be transmitted to the structure of the Building or to any
            space therein so as to be objectionable to Landlord or any other
            Building tenant shall, if approved by Landlord, be installed and
            maintained by Tenant, at its expense, with shielding, on vibration
            eliminators, or in with such other devices that are sufficient in
            Landlord's discretion to eliminate such noise, transmissions and/or
            vibration.

<PAGE>

                                   ARTICLE 16
                                 RIGHT OF ENTRY

            Tenant shall permit Landlord or its Agents and contractors, at any
        reasonable times and with reasonable oral or written notice (except that
        the time and notice requirements may be waived in the event of an
        emergency), to enter the Premises, without charge therefore to Landlord
        and without diminution of Rent, (i) to examine, inspect and protect the
        Premise and the Building, (ii) to make such alterations and repairs or
        perform such maintenance which in the sole judgment of Landlord may be
        deemed necessary or desirable, (iii) to exhibit the same to prospective
        tenants during the last Lease Year of the Term and to erect on the
        Premises a suitable sign indicating the Premises are available. Landlord
        shall use reasonable efforts to minimize any disruption to Tenant's use
        of the Premises in exercising its rights hereunder.

                                   ARTICLE 17
                                    INSURANCE

        17.1 Insurance Rating. Tenant shall not conduct or permit any activity,
        or place any equipment or material, in or about the Premises, the
        Building or the Common Area which will increase the rate of fire or
        other insurance on the Building or insurance benefiting any other tenant
        of the Building; and if any increase in the rate of insurance is stated
        by any insurance company or by the applicable insurance rating bureau to
        be due to any activity, equipment or material of Tenant in or about the
        Premises, the Building or the Common Area, such statement shall be
        conclusive evidence that the increase in such rate is due to the same
        and, as a result thereof, Tenant shall pay such increase to Landlord
        upon demand.

        17.2 Liability Insurance. (a) Tenant, at Tenant's sole cost and expense,
        shall obtain and maintain in effect throughout the Term a policy of
        Commercial General Liability Insurance (ISO form or equivalent) naming
        Landlord, the Mortgagees (if any) and any property management agent as
        additional insureds ("Additional Insureds"), protecting Landlord, Tenant
        and, if applicable, the Additional Insureds against liability for bodily
        injury, death and property damage occurring upon or in the Leased
        Premises, with such policy to afford protection to the limit of not less
        than $2,000,000 with respect to the bodily injury or death or damage to
        property arising from any on occurrence and $2,000,000 from the
        aggregate of all occurrences within each policy year, which policy(s)
        also shall contain deductible amounts, if any, acceptable to Landlord in
        its reasonable discretion. If such policy also covers locations other
        than the Leased Premises, the policy shall include a provision to the
        effect that the aggregate limit of $2,000,000 shall apply separately at
        the Leased Premises and that the insurer will provide notice to Landlord
        if the aggregate is reduced either by payment of claims or the
        establishment of reserves for claims if the payments or reserves exceed
        $250,000. If the aggregate limit of $2,000,000 is reduced by the payment
        of a claim or the establishment of a reserve, Tenant agrees to take
        immediate steps to have the aggregate limit restored by endorsement to
        the existing policy or the purchase of an additional insurance policy
        which complies with this subsection.

            (b) Landlord, at Landlord's sole cost and expense, shall maintain
        during the Term, fire, extended coverage, malicious mischief and
        vandalism insurance on the Building in an amount of not less than the
        full replacement value of the Building, including improvements therein,
        and will maintain commercial general or umbrella liability insurance in
        an amount of not less then $5,000,000 combined single limit for bodily
        injury, property damage and personal liability. Tenant shall have no
        direct or third party interest in such insurance.

       17.3 Insurance for Personal Property. Tenant shall, at its sole cost and
            expense, procure and maintain throughout the Term a property
            insurance policy (written on an "All Risk" basis) insuring all of
            Tenant's personal property, including but not limited to equipment,
            furniture, fixtures, furnishings and leasehold improvement which are
            the

<PAGE>

            responsibility of Tenant for not less than the full replacement cost
            of said property. All proceeds of such insurance shall be used to
            repair or replace Tenant's property.

       17.4 Contractual Liability Insurance. Tenant agrees to keep and maintain
            as part of the coverage of its policy(ies) of liability insurance
            contractual liability coverage or a contractual liability
            endorsement covering Tenant's liability to Landlord for bodily
            injury or damage to property of others, in the same limits required
            by subsection 17.2

       17.5 Requirements of Insurance Coverage. All such insurance required to
            be carried by Tenant herein shall be with an insurance company
            licensed to do business in the Commonwealth of Virginia and approved
            by Landlord in its reasonable discretion. Such insurance (i) shall
            contain an endorsement that such policy shall remain in full force
            and effect notwithstanding that the insured has released its right
            of action against any party before the occurrence of a loss; (ii)
            shall name Landlord, Landlord's property management agent, Tenant
            and at Landlord's request, any Mortgagee(s), as the insured parties;
            and (iii) shall provide that the policy shall not be canceled,
            failed to be renewed or materially amended without at least thirty
            (30) days' prior written notice to Landlord and, at Landlord's
            request, any Mortgagee(s). On or before the Commencement Date and,
            thereafter, not less than thirty (30) days before the expiration
            date of each insurance policy, an original of the policy (including
            any renewal or replacement policy) or a certified copy thereof,
            together with evidence satisfactory to Landlord of the payment of
            all premiums for such policy, shall be delivered to Landlord and, at
            Landlord's request, to any Mortgagee(s).

       17.6 Prohibition Against Concurrent Insurance. All property insurance
            shall be written as primary insurance. Tenant shall not take out
            separate insurance concurrent in form or contributing in the event
            of loss with any property damage insurance carried by Landlord for
            the Building unless Landlord is included therein as an insured.

       17.7 Waiver of Subrogation. Landlord and Tenant shall each include in
            each of its property damage insurance policies, including Landlord's
            policies of rent insurance and Tenant's policies of business
            interruption insurance, if any, a waiver of the insurer's right of
            subrogation against the other party and the officers, directors,
            members, managers, agents and employees of, and the partners in, the
            other party (and, in the case of Tenant's policies, against the
            Additional Insureds and their respective officers, directors,
            agents, employees and partners), or, if such waiver at any time
            becomes unobtainable (i) an express agreement that such policy shall
            not be invalidated if the insured waives or has waived before the
            loss the right of recovery against any party responsible for an
            insured casualty, or (ii) any other form of permission for the
            release of such responsible party, provided such waiver, agreement
            or permission is obtainable under normal commercial insurance
            practice at the time, with or without additional charge. Landlord
            and Tenant hereby acknowledge and agree that such waiver is
            obtainable under normal commercial insurance practice on the date of
            this Lease at no additional charge.

       17.8 Security. In the event that Landlord engages the services of a
            professional security system for the Building, it is understood that
            such engagement shall in now way increase Landlord's liability for
            occurrences and/or consequences which such a system is designed to
            detect or avert and that Tenant shall look solely to its insurer as
            set forth above for claims for damages or injury to any person or
            property.

<PAGE>

                                   ARTICLE 18
                         LANDLORD SERVICES AND UTILITIES

       18.1 Ordinary Services to the Premises. As long as no Event of Default
            has occurred, and is continuing, and except during or as a result of
            emergencies, Landlord shall furnish to the Premises throughout the
            Term (i) electricity, heating and air conditioning that is
            commercially reasonably appropriate for the Permitted Use between
            7:00 a.m. and 8:00 p.m., Monday through Friday and between 7:00 a.m.
            and 12:00 p.m. on Saturday, except for legal holidays observed by
            the federal government, (ii) reasonable janitorial service, Monday
            through Friday, (iii) regular trash removal from the Premises, (iv)
            hot and cold water from points of supply, (v) the number of
            restrooms as required by applicable zoning codes (provided, however,
            that any change in restrooms subsequent to the Lease Date shall be
            the sole responsibility of Tenant) , and (vi) elevator service, if
            there is an elevator in the Building, provided that Landlord shall
            have the right to remove such elevators from service as may be
            required for moving, freight or for servicing or maintaining the
            elevators or the Building. The cost of all services provided by
            Landlord hereunder shall be included within Operating Expenses,
            unless charged directly (and not as a part of Operating Expenses) to
            Tenant or another tenant of the Building. Landlord agrees to furnish
            landscaping and grounds maintenance and snow clearing for the Common
            Area needed for access to the Building. The foregoing services shall
            be furnished by Landlord and reimbursed by Tenant as part of
            Operating Expenses; provided, however that Landlord shall be under
            no responsibility or liability for failure or interruption in such
            services caused by breakage, accident, strikes, repairs or for any
            other cause or causes beyond the reasonable control of Landlord, nor
            in any event for any indirect or consequential, incidental or
            special damages; and failure or omission on the part of Landlord to
            furnish such service shall not be construed as an eviction of
            Tenant, nor work an abatement of Rent, nor render Landlord liable in
            damages, nor release Tenant from prompt fulfillment of any of the
            covenants under this Lease.

       18.2 After-Hours Services to the Premises. Subject only to the need for
            repair and maintenance as determined in the Landlord's sole
            discretion, Landlord shall attempt in good faith to make heating,
            ventilation, and air conditioning services available to Tenant
            twenty-four (24) hours a day, seven (7) days a week, if and as
            requested by Tenant with advance notice that Landlord deems to be
            reasonable, and, if outside the operating periods set forth in
            Section 18.1, at Tenant's sole cost and expense. If Tenant requires
            or requests that the services to be furnished by Landlord (except
            Building Standard electricity and elevator service) be provided
            during periods in addition to the periods set forth in Section 18.1,
            then Tenant shall obtain Landlord's consent thereto and, if such
            consent is granted, shall pay upon demand Landlord's additional
            charge for after-hours service which shall include the cost of
            utility, service, labor costs, administrative costs and a cost for
            depreciation of the equipment used to provide such after-hours
            service. The cost for after-hours services is subject to change from
            time to time based upon Landlord's fluctuating costs, but shall be
            set by Landlord in its sole discretion and currently is $45 per
            hour.

       18.3 Landlord's Right to Meter Tenant's Electrical Usage. Tenant agrees
            that its use of electricity in the Premises shall not exceed the
            capacity of existing wires, circuits, risers conduits and other
            electrical equipment, or any limits from time to tome established
            under applicable governmental regulations. Landlord may review
            Tenant's electricity consumption from time to time during the Term.
            If, at any time or from time to time, in Landlord's reasonable
            judgment, Landlord believes that Tenant's consumption of electricity
            at the Premises exceeds by more than eight percent (8%) (determined
            over at least a sixty (60) day period and on a per square foot
            basis) the average electricity consumption for other tenants in the
            Building, Landlord shall have the right to install, at Tenant's
            expense, a separate meter for the

<PAGE>

            premises. Landlord will then read the meter and bill Tenant directly
            each month for such excess electricity consumption, if any. Tenant
            shall pay Landlord for such excess electricity consumption as
            Additional Rent within ten (10) business days after Landlord
            provides the bill to Tenant.

                                   ARTICLE 19
                              LIABILITY OF LANDLORD

       19.1 No Liability. Landlord and its Agents shall not be liable to Tenant
            or its Agents for, and Tenant, for itself and its Agents, does
            hereby release Landlord and its Agents from liability for, any
            damage, compensation or claim arising from (i) the necessity or
            repairing or failure to repair any portion of the Premises or the
            Building or the Common Area or any structural defects thereto (but
            no waiver or release is provided hereby for any obligations of
            Landlord under this Lease to make repairs, except as to
            consequential, incidental and special damages that may relate in any
            way thereto), (ii) any interruption in the use of the Premises or
            the Common Area for any reason including any interruption or
            suspension of utility service, except as otherwise expressly set
            forth in this Lease, (iii) fire or other casualty or personal or
            property injury, damage or loss, (iv) the termination of this Lease
            in accordance with the terms and provisions hereof, (v) robbery,
            assault or theft, or, (vi) any leakage in the premises or the
            Building from water, rain, snow or other cause whatsoever; provided,
            however, that such releases shall not apply in the event that both
            (1) Landlord or its Agents are found by a court of competent
            jurisdiction to have proximately caused the losses otherwise
            released hereby through their gross negligence or willful
            misconduct, and (2) neither Tenant, any assignee or sublease of
            Tenant (in whole or in part), any Agent nor any invitee or guest of
            Tenant (or its assignees or sublesees) are found by a court of
            competent jurisdiction to have been comparatively (if applicable) or
            contributorily negligent or to have assumed the risk of such damage
            or loss, but provided further, that this Section 19.1 shall not be
            deemed to provide a basis for recovery for any action or omission
            that does not constitute a material breach of this Lease. No such
            occurrence shall give rise to diminution or abatement of Rent or
            constructive eviction. Any goods, automobiles, property or personal
            effects stored or placed by Tenant or its Agents in or about the
            Premises, the Building, the Land or the Common Area shall be at the
            sole risk of Tenant, and Landlord and its Agents shall not in any
            manner be held responsible therefore. Except to the extent expressly
            prohibited by law, Tenant hereby waives any claim it might have
            against Landlord or its Agents for any consequential, incidental or
            special damages sustained by Tenant arising out of the loss or
            damage to any person or property of Tenant.

       19.2 Indemnity. Tenant shall indemnify and hold Landlord and its Agents
            harmless from and against any and all damage, claim, liability, cost
            or expense (including, without limitation, attorneys' and other
            professionals' fees) of every kind and nature (including, without
            limitation, those arising from any injury or damage to any person,
            property or business) incurred by or claimed against Landlord or
            it's Agents, directly or indirectly, as a result of, arising from or
            in connection with Tenant's or its Agents use and occupancy of the
            Premises, the Building or the Common Area, provided, however, that
            such indemnification and hold harmless shall not apply in the event
            that Landlord or its Agents proximately caused the losses otherwise
            released hereby through gross negligence or willful misconduct. In
            the event of this Section 19.3 but Landlord would not be released
            from liability under the terms of Section 19.1, then Tenant shall
            not be required to indemnify Landlord and hold it harmless for such
            event.

       19.3 No Personal Liability; Sale. Neither Landlord nor its agents,
            whether disclosed or undisclosed, shall have any personal liability
            under any provision of this Lease. In

<PAGE>

            the event of a judgment in favor of Tenant which remains unpaid,
            Tenant's rights of redress, execution and levy shall be limited to
            the equity of Landlord, in the Building and Land as described in
            Article1 hereof. In the event that the original landlord hereunder,
            or any successor owner of the Building, shall sell or convey the
            Building, all liabilities and obligations on the part of the
            original Landlord, or such successor owner, under this Lease
            occurring thereafter shall terminate as of the day of such sale, and
            thereupon all such liabilities and obligations shall be binding on
            the new owner. Tenant agrees to attorn to such new owner. Any
            successor to Landlord's interest shall not be bound by (i) any
            payment of Basic Rent or Additional Rent for more than one (1) month
            in advance, except for the payment of the first installment of First
            Year Basic Rent or (ii) as to any Mortgagee or any purchaser at
            foreclosure, any amendment or modification of this Lease made
            without notice to the Mortgagee.

                                   ARTICLE 20
                              RULES AND REGULATIONS

            Tenant and its Agents shall at all times abide and observe the Rules
        and Regulations and any amendments thereto that may be promulgated from
        time to time by Landlord for the operation and maintenance of the
        Building, the Land and the Common Area and Rules and Regulations shall
        be deemed to be covenants of the Lease to be performed and/or observes
        by Tenant. Nothing contained in this Lease shall be construed to impose
        upon the Landlord any duty or obligation to enforce the Rules and
        Regulations, or the terms or provisions contained in any other lease,
        against any other tenant of the Building. Landlord shall not be liable
        to Tenant for any violation by any party of the Rules and Regulations or
        the terms of any other Building lease. If there is any inconsistency
        between this Lease and the Rules and Regulations, this Lease shall
        govern. Landlord reserves the right to amend and modify the Rules and
        Regulations as it deems necessary.

                                   ARTICLE 21
                              DAMAGE; CONDEMANTION

       21.1 Damage to the Premises. If the Premises shall be damages by fire or
            other cause without the fault or negligence of Tenant or its Agents,
            Landlord shall diligently and as soon as practicable after such
            damage occurs (taking into account the time necessary to effect a
            satisfactory settlement with any insurance company involved) repair
            such damage at the expense of Landlord; provided, however, that
            Landlord's obligation to repair such damage shall not exceed the
            proceeds of insurance available to Landlord (reduced by any proceeds
            retained pursuant to the rights of Mortgagee) so long as Landlord
            maintains the insurance policies required to be maintained by
            Landlord under this Lease. Notwithstanding the foregoing, if the
            Premises or the Building are damaged by fire or other cause to such
            an extent that, in Landlord's sole judgment, the damage cannot be
            substantially repaired within one hundred twenty (120) days after
            the date of such damage, or if 50% or more of the Premises are
            damages during the last two (2) Lease Years, then Landlord or Tenant
            within thirty (30) days from the date of such damage may terminate
            this Lease by notice to the other. If either Landlord or Tenant
            terminates this Lease, the Rent shall be apportioned and paid to the
            date of such termination. If neither Landlord nor Tenant so elects
            to terminate this Lease but the damage required to be repaired by
            Landlord is not repaired within one hundred twenty 120) days from
            the date of such damage (such one hundred twenty (120) day period to
            be extended by the period of any delay outside the direct control of
            Landlord plus a reasonable period for a satisfactory settlement with
            any insurance company involved)., Tenant, within thirty (30) days
            from the expiration of such one hundred twenty (120) day period (as
            the same may be extended), may terminate this Lease by notice to
            Landlord. During the period that Tenant is deprived of the use of
            the damaged portion of the Premises, and provided such damage is not
            the consequence of the fault or negligence of the Tenant or its

<PAGE>

            Agents, Basic Rent and Tenant's Proportionate Share shall be reduced
            by the ratio that the rentable square footage of the Premises
            damaged bears to the total rentable square footage of the Premises
            before such damage. All injury as damage to the premises or the
            Building resulting from the fault or negligence of Tenant or its
            Agents shall be repaired by Tenant, at Tenant's expense, and Rent
            shall not abate. If Tenant shall fail to do so or if Landlord shall
            so elect, Landlord shall have the right to make such repairs, and
            any expense so incurred by Landlord, together with interest thereon
            at the Interest Rate, shall be paid by Tenant upon demand.
            Notwithstanding anything herein to the contrary, Landlord shall not
            be required to rebuild, replace or repair any nonstandard tenant
            improvements, tenant extras or Alterations or any personal property
            of Tenant.

       21.2 Landlord Released from Liability. Tenant, to the extent that
            insurance required to be carried by Tenant under Article 17 is
            available, and whether or not such insurance is in force and
            collectible, hereby waives (and agrees to cause all other occupants
            of the Premises to execute and deliver to Landlord instruments
            waiving) any right of recovery against Landlord, the Additional
            Insureds and any of their respective officers, directors, agents,
            employees, partners, contractors or invitees, for any loss or damage
            to Alterations or Tenant's Personal Property caused by fire or other
            insured perils of the type that, or if no such applicable insurance
            is then in effect or enforceable, would have been, insured against
            by the policy of insurance required by Article 17.

       21.3 Condemnation. If the whole or a Substantial Part of the Premises
            shall be taken or condemned, or made unusable for the Permitted Use,
            by any governmental or quasi-public use or purpose (including,
            without limitation, sale under threat of such taking), then the Term
            shall cease and terminate as of the sate when title vests in such
            governmental or quasi-governmental authority, and Rent shall be
            prorated to the date when title vests in such governmental or
            quasi-governmental authority. If less then a Substantial Part of the
            Premises is taken or condemned by any governmental or
            quasi-governmental authority for any public or quasi-public use or
            purpose (including, without limitation, sale under threat of such a
            taking), Basic Rent and Tenant's Proportionate Share shall be
            reduced by the ratio that the portion so taken bears to the rentable
            square footage of the Premises before such taking, effective as of
            the date when title vests in such governmental or quasi-governmental
            authority, and this Lease shall otherwise continue in full force and
            effect. Tenant shall have no claim against Landlord (or otherwise)
            as a result of such taking, ad Tenant hereby agrees to make no claim
            against the condemning authority for any portion of the amount that
            may be awarded as compensation or damages as a result of such
            taking; provided, however, that Tenant may, to the extent allowed by
            law, claim an award for moving expenses and for the taking of any of
            tenant's property (other than its leasehold interest in the
            Premises) which does not, under the terms of this Lease, become the
            property of Landlord at the termination hereof, as long as such
            claim is separate and distinct from any claim of Landlord and does
            not diminish Landlord's award. Tenant hereby assigns to Landlord any
            right and interest it may have in any award for its leasehold
            interest in the Premises.

                                   ARTICLE 22
                                     DEFAULT

       22.1 Events of Default. Each of the following shall constitute an Event
            of Default: (i) Tenant fails to pay Rent within ten (10) days after
            notice from Landlord; provided that no such notice shall be required
            if at least two such notices shall have been given during the same
            Lease Year; (ii) Tenant fails to observe or perform any other term,
            condition or covenant herein binding upon or obligating Tenant
            within thirty (30) days after notice from

<PAGE>

            Landlord, (iii) Tenant abandons the Premises; (iv) Tenant or any
            Guarantor makes or consents to a general assignment for the benefit
            of creditors or a common law composition of creditors, or a receiver
            of the Premises for all or substantially all of Tenant's or
            Guarantor's asset is appointed, or (v) Tenant or Guarantor files a
            voluntary petition in any bankruptcy or insolvency proceeding, or an
            involuntary petition in any bankruptcy or insolvency proceeding is
            file against Tenant or Guarantor and is not discharged by tenant or
            Guarantor within ninety (90) days.

       22.2 Landlord's Remedies. Upon the occurrence of an Event of Default,
            Landlord, at its option without further notice or demand to Tenant,
            may in addition to all other rights and remedies provided in this
            Lease, at law or in equity, proceed pursuant to any or all of the
            following:

        (i) Terminate this Lease and Tenant's right of possession of the
            Premises, and recover all damages to which Landlord's expenses of
            reletting (including, without limitation, rental concessions to new
            tenants, repairs, alterations, reasonable legal fees and brokerage
            commissions). If Landlord elects to terminate this Lease, every
            obligation of the parties shall cease as of the date of such
            termination, except that Tenant shall remain liable for payment of
            rent and performance of all other terms and conditions of this lease
            to the date of termination.
       (ii) Terminates Tenant's right of possession of the Premises without
            terminating this Lease, in which event Landlord may, but shall not
            be obligated to, relet the Premises or any part thereof, for the
            account of Tenant, for such rent and term and upon such other
            conditions as are acceptable to Landlord in Landlord's sole
            discretion. For purposes of such reletting, Landlord is authorized
            to redecorate, repair, alter and improve the Premises; tenant shall
            remain obligated to pay rent to Landlord as provided in this lease.
            If and when the Premises are relet and if a sufficient sum is not
            realized from such reletting after payment of all Landlord's
            expenses of reletting (including, without limitation, reasonable
            rental concessions to new tenants, repairs, alterations, reasonable
            legal fees and brokerage commissions) to satisfy the payment of rent
            due under this lease for any month, Tenant shall pay Landlord any
            such deficiency upon demand. Tenant agrees that Landlord may file
            suit or recovery of any sums due Landlord under this Section from
            time to time and that such a suit or recovery of any amount due
            Landlord shall not be any defense to any subsequent action brought
            for any amount not previously reduced to judgment in favor of
            Landlord.
      (iii) Terminate this Lease and Tenant's right of possession of the
            Premises, and recover from Tenant the net present value of the Rent
            due from date of termination until the Expiration date, discounted
            at the lesser of the interest rate as of the date of termination or
            seven percent (7%) per annum.
       (iv) Re-enter and repossess the Premises and remove all persons and
            effects therefrom, by summary proceeding, ejectment or other legal
            action or by using such force as may be necessary. Landlord shall
            have no liability by reason of any such re-entry, repossession or
            removal.
        (v) Recover from tenant, to the extent permitted under the laws of the
            Commonwealth of Virginia, the value and/or cost of all concessions
            to Tenant under this Lease.

       22.3 Rights Upon Possession. If Landlord takes possession pursuant to
            this Article, with or without terminating this Lease, Landlord may,
            at its option, enter into the Premises, remove Tenant's Alterations,
            signs, personal property, equipment and other evidences of tenancy
            and store them at tenant's risk and expense or dispose of them as
            Landlord may see fir, and take and hold possession of the Premises;
            provided; however, that if Landlord elects to take possession only
            without terminating this Lease, such entry and possession shall not
            terminate this Lease or release Tenant or any Guarantor, in whole or
            in part, from the obligation under this Lease or any guaranty
            thereof.

<PAGE>

       22.4 No Waiver. If Landlord shall institute proceedings against tenant
            and a compromise or settlement thereof shall be made, the same shall
            not constitute a waiver of any hereunder. No waiver by Landlord of
            any branch shall operate as a waiver of such covenant, condition or
            agreement, or operate as a waiver of such covenant, condition or
            agreement itself, or of any subsequent breach thereof. No payment of
            rent by tenant or acceptance of rent by Landlord shall operate as a
            waiver of any breach or default by tenant under this Lease. No
            payment by tenant or receipt by Landlord of a lesser amount than the
            monthly installment of rent herein stipulated shall be deemed to be
            other than a payment on account of the earliest accompanying a check
            for the payment without prejudice to Landlord's right to recover the
            balance of such Rent or to pursue any other remedy provided in this
            Lease. No re-entry by Landlord, and no acceptance by Landlord of
            keys from Tenant, shall be considered an acceptance of a surrender
            of the Lease.

       22.5 Right of Landlord to Cure Tenant's Default. If any Event of Default
            shall occur, then after giving written notice to Tenant, Landlord
            may (but shall not be obligated to make such payment or do such act
            to cure the Event of Default, and charge the amount of the expense
            thereof, together with interest thereon at the Interest Rate, to
            Tenant; provided however that no such notice shall be required if
            notice already was given by or on behalf of Landlord under another
            section or subsection of this Lease. Such payment shall be due and
            payable upon demand; however, the making of such payment or the
            taking of such action by Landlord shall not be deemed to cure the
            Event of Default or to stop Landlord from the pursuit of any remedy
            to which Landlord would otherwise be entitled. Any such payment made
            by Landlord on Tenant's behalf shall bear interest until paid at the
            Interest Rate.

       22.6 Late Payment; Interest. Tenant shall pay Landlord a late charge of
            the greater of $100 or five percent (5%) of the amount of overdue
            rent for each rent payment that is not made within five (5) days
            after it's due under terms of this Lease. In addition, all such late
            rent payments shall bear interest, at the Interest Rate; from the
            date such rent became due and payable to the date of payment thereof
            by Tenant. Such late charge and interest shall be due and overdue
            Rent, in whole or in part, shall not constitute a waiver of this
            paragraph or of any other provision of this lease.

       22.7 Landlord Default. If Landlord shall fail to keep or perform any of
            its covenants under this Lease, then Tenant may (but shall not be
            obligated to do so), in addition to any other remedies available or
            provided by law, upon the continuance of such failure on Landlord's
            part for thirty (30) days after notice from Tenant specifying the
            failure (or, in the case of any such failure which cannot with due
            diligence be cured within thirty (30) days, within such additional
            period, if any, as may be reasonably required by Landlord to cure
            such failure with due diligence), and without waiving or releasing
            Landlord from any obligation, make such payment or perform such
            obligation. In the event of such payment or performance by Tenant,
            all sums so paid by Tenant and all necessary and related costs and
            expenses, including reasonable attorney's fees paid to independent
            legal counsel, incurred by Tenant in making such payment of
            performing such obligation, shall be paid by Landlord to Tenant
            within thirty (30) days after Tenant's written demand, and if not so
            paid by Landlord, Tenant shall have the right to pursue any legal
            remedies available to it to collect payment, subject to the
            limitations elsewhere provided in this Lease, but shall not be
            entitled to offset such payment against rent thereafter payable
            under this Lease. No inaction by Tenant in the event of any failure
            of Landlord to keep or perform any of its covenants or conditions
            under this Lease shall operate as a waiver by Tenant of any breach
            or default of any terms of this Lease, then notwithstanding the
            rights of tenant specified herein or otherwise provided or permitted
            at law or in equity, tenant shall have no right to limited to
            pursuing its claims for damages as provided above.

<PAGE>
                                   ARTICLE 23
                                    MORTGAGES

       23.1 Subordination; Nondisturbance. This Lease is and shall be and
            remain, as applicable, subject and subordinate to all ground or
            underlying leases and to any Mortgage(s) which may now or hereafter
            affect such leases or the Land and to all renewals, modifications,
            consolidations, replacements and extensions thereof. This
            subordination shall be self-operative; however, in confirmation
            thereof, tenant shall execute and deliver to Landlord within fifteen
            (15) days after Landlord's request any instrument that does not
            contradict the terms of this Lease that Landlord or any Mortgage may
            request confirming such subordination. If tenant fails to timely
            execute and deliver any such instrument within said time period,
            then tenant shall pay to Landlord as additional rent, within five
            (5) days after demand therefore, (i) the sum of $100 for each day
            beyond the tenth day after request for such instrument until the
            instrument is duly executed by tenant and delivered to Landlord, and
            (ii) all amounts actually and reasonably incurred by Landlord in
            connection with such delay, including, without limitation,
            attorney's fees. Notwithstanding the foregoing, before any
            foreclosure sale under a Mortgage, or any deed in lieu thereof, the
            Mortgage shall have the right to subordinate the Mortgage to this
            Lease, and, in the event of a foreclosure, or any deed in lieu
            thereof, this Lease may continue in full force and effect and tenant
            shall attorn to and recognize as its Landlord the purchaser of
            Landlord's interest under this Lease. Tenant shall, upon the request
            of a Mortgagee or purchaser at foreclosure, or any deed in lieu
            thereof, execute, acknowledge and deliver any installment that does
            not contradict the terms of this Lease that has for its purposes and
            effect the subordination of the lien of any Mortgagee to this Lease
            or Tenant's attornment to such Purchaser; provided however, that
            said Mortgagee or purchaser recognizes this Lease and tenant's
            rights, so long as it is not in default hereunder, to possess the
            Premises, agrees to perform and assume the obligations and
            liabilities of the Landlord hereunder and provides to tenant an
            acceptable nondisturbance agreement as set forth herein.
            Notwithstanding the above provisions: (a) the applicable Mortgagee
            or successor-in-interest to Landlord shall execute and deliver to
            tenant, as promptly as commercially reasonable after tenant's
            request, an executed non-disturbance agreement in a recordable form
            acceptable to Mortgagee, agreeing that such Mortgagee, purchaser in
            a foreclosure (or by deed in lieu thereof) or other
            successor-in-interest shall recognize tenant's (and its permitted
            designees', assignees', and sublesees') rights under this Lease; and
            (b) in addition, as promptly as commercially possible following
            tenant's request, Landlord shall use disturbance agreement
            recognizing Tenant's (and its designees', assignees', and
            sublesees') rights under this Lease from each Mortgagee now or at
            any time hereafter encumbering the Building.

       23.2 Mortgagee Protection. Tenant agrees, if requested by Landlord or
            any Mortgagee, to give any Mortgagee by certified mail, return
            receipt requested, a copy of any notice of default served upon
            Landlord, provided that before such notice tenant has been notified
            in writing of the address of such mortgagee. Tenant further agrees
            that if Landlord shall have failed to cure such default within time
            provided for in this Lease, then Mortgagee shall have an additional
            thirty (30) days within which to cure such default; provided,
            however, that if such default cannot be reasonably cured within that
            time, then such Mortgagee shall have additional time as may be
            necessary to cure such default so long as Mortgagee has commenced
            and is diligently pursuing the remedies necessary to cure such
            default (including, without limitation, the commencement of
            foreclosure proceedings, if necessary), in which event this Lease
            shall not be terminated or rent abated while such remedies are being
            so diligently pursued. In the event of the sale of the Land or
            Building, by foreclosure or deed in lieu thereof, the Mortgagee or
            purchaser at such sale shall be responsible for the return of the
            Security deposit only to the extent that such Mortgagee or purchaser
            actually received the Security Deposit.

<PAGE>

       23.3 Modification Due to Financing. If, in connection with obtaining
            construction or permanent financing for the Premises, the Building
            or the Land, any lender (or mortgagee) shall request reasonable
            modifications of this Lease as a condition to such financing. Tenant
            shall promptly execute a modification of this Lease, provided such
            modifications do not materially increase the financial obligations
            of Tenant hereunder or materially adversely affect the tenant and
            any Guarantor shall each, prior to execution and throughout the
            term, upon request from time to time, provide such financial
            information about itself to Landlord or Mortgagee as reasonably may
            be requested.

                                   ARTICLE 24
                             SURRENDOR; HOLDING OVER

       24.1 Surrender of the Premises. Tenant shall peaceably surrender the
            Premises to Landlord on the expiration Date earlier termination of
            this Lease, in broom-clean condition and in as good condition as
            when Tenant took possession, including, without limitation, the
            repair of any damage to the Premises caused by the removal of any
            tenant's personal property or trade fixtures from the Premises,
            except for reasonable wear and tear and loss by fire or other
            casualty not caused by tenant or it's agents. Any of tenant's
            personal property left on or in the Premises, the Building, the Land
            or the Common area after the Expiration Date or earlier termination
            of this Lease shall be deemed to be abandoned, and, at Landlord's
            option, title shall pass to Landlord under this Lease.

       24.2 Holding Over. In the event that tenant shall not immediately
            surrender the Premises to Landlord on the Expiration date or earlier
            termination of this Lease, tenant shall be deemed to be a month to
            month tenant upon all of the terms and provisions of this Lease,
            except the monthly Basic rent shall be 150% of the monthly Basic
            rent in effect during the last month of the Term. Notwithstanding
            the foregoing, if tenant shall hold over after the Expiration Date
            or earlier termination of this Lease, and Landlord shall desire to
            regain possession of the process, or by any legal process Landlord
            against all liabilities and damages sustained by Landlord by reason
            of such retention of possession.

                                   ARTICLE 25
                                 QUIET ENJOYMENT

            Landlord covenants that if tenant shall pay rent and perform all of
        the terms and conditions of this Lease to be performed by tenant, tenant
        shall during the Term peaceably and quietly occupy and enjoy possession
        of the Premises without molestation or hindrance by Landlord or any
        party claiming through or under Landlord, subject to the provisions of
        this Lease and any Mortgagee to which this Lease is subordinate and
        Legal requirements.

                                   ARTICLE 26
                TENANT'S COVENANTS REGARDING HAZARDOUS MATERIALS

       26.1 Definition. As used in this Lease, the term "Hazardous Material"
            means any flammable items, explosives, radioactive materials,
            hazardous or toxic substances, material or waste or related
            materials, including any substances defined as or included in the
            definition of "hazardous substances," "hazardous wastes,"
            "infectious wastes," "hazardous materials" or "toxic substance" now
            or subsequently regulated under any federal, state, or local laws,
            regulations or ordinances including, without limitation, oil,
            petroleum-based products, paints, solvents, lead, cyanide, DDT,
            printing inks, acids, pesticides, ammonia compounds and other
            chemical products, asbestos, PCBs and similar compounds, and
            including any different products and materials which are
            subsequently found to adverse effects on the environmental or the
            health and safety of persons.

<PAGE>

       26.2 General Prohibition. Tenant has reviewed the Phase 1 environmental
            assessment on the Land and Building, and acknowledgement that it
            contains no indication of the existence of any matters of
            environmental concern. Tenant shall not cause or permit any unlawful
            amount of Hazardous Material to be generated, produced, brought
            upon, used, stored, treated, discharged, released, spilled or
            disposed of on, in, under or about the Premises, the Building or the
            Land by Tenant or its agents, sublessees or assignees, with sole
            exception that small quantities of customary office supplies that
            otherwise would be prohibited by this sentence may be brought to,
            stored and used in, the Premises, for their normal intended
            purposes. Tenant shall indemnify, defend and hold Landlord harmless
            from and against any and all actions (including, without limitation,
            remedial or enforcement actions of any kind, administrative or
            judicial proceedings, and orders or judgments arising out of or
            resulting therefrom) costs, claims, damages (including, without
            limitation, punitive damages), expenses (including, without
            limitation, attorneys', consultants' and experts' fees, court costs
            and amounts paid in settlement of any claims or relief (whether or
            not based upon personal injury, property damage, or contamination
            of, or adverse effects upon, the environment, water tables or
            natural resources), liabilities or losses shall not cause or, to the
            extent it is reasonably within Landlord's knowledge and control,
            permit any Hazardous Material to be generated, produced, brought
            upon, used, stored, treated, discharged, released, spilled or
            disposed of on, in, under or about the Premises, the Building or the
            Land by Landlord or its Agents (specifically excluding Landlord's
            tenants or their sublessees or assigns), with the sole exception
            that small quantities of customary office supplies that otherwise
            would be prohibited by this sentence may be brought to, stored and
            used in, the Premises, the building or the Land for their normal
            intended purposes.

       26.3 Notice. In the event that Hazardous Materials are discovered upon,
            in, or under the Premises, the Building or the Land, and the
            governmental agency or entity having jurisdiction over the Premises,
            the Building or the Land requires the removal of such Hazardous
            Materials, Tenant shall be responsible for removing those Hazardous
            Materials arising out or related to the use or occupancy of the
            Premises by the Tenant or its agents, affiliates, sublessees or
            assignees but not those of its predecessors. Notwithstanding the
            forgoing, tenant shall not take any remedial action in or about the
            premises, the Building or the Land, without first notifying Landlord
            of tenant's intention to do so and affording Landlord the
            opportunity to protect Landlord's interest with respect thereto.
            Tenant immediately shall notify Landlord in writing of: (i) any
            spill, release, discharge or disposal of any Hazardous Material in,
            on or under the Premises, the building, the Land or any portion
            thereof, (ii) any enforcement, cleanup, removal, or other
            governmental or regulatory action instituted, contemplated or
            threatened (if Tenant has notice thereof) pursuant to any Hazardous
            Materials Laws; (iii) any claim made or threatened by any person
            against Tenant, the Premises, the Building or the Land relating to
            damage, contribution, cost recovery, compensation, loss or injury
            resulting from or claimed to result from any Hazardous Materials in,
            on, under or about or removed from the Premises, the Building or the
            Land, including any complaints, noticed, warnings, reports or
            asserted violations in connection therewith. Tenant also shall
            supply to Landlord as promptly as possible, and in any event within
            five (5) business days after tenant first receives or sends the
            same, copies of all claims, reports, complaints, notices, warnings
            or asserted violations relating in any way to the Premises, the
            Building, the Land or tenant's use or occupancy thereof.

       26.4 Survival. The respective rights and obligations of Landlord and
            tenant under this Article 26 shall survive the expiration or earlier
            termination of this Lease.

                                   ARTICLE 27
                                  MISCELLANEOUS

       27.1 No Representations by Landlord. Tenant acknowledges that neither
            Landlord nor its agents nor any broker has made any representation
            or promise with respect to the Premises, the Building, the Land or
            the common Area, except as herein expressly set forth, and no
            rights,

<PAGE>

            privileges, easements or licenses are acquired by tenant except as
            herein expressly set forth. Tenant, by taking possessions of the
            Premises shall accept the Premises and the Building "AS IS," and
            such taking of possessions shall be conclusive evidence that the
            Premises and the Building are in good and satisfactory conditions at
            the of such taking possessions.

       27.2 No Partnership. Nothing contained in this Lease shall be deemed or
            construed to create a partnership or joint venture or between
            Landlord and tenant, or to create any other relationship between
            Landlord and tenant other than that of landlord and tenant.

       27.3 Brokers. Landlord recognizes Jefferson Commercial Real Estate as
            the sole broker procuring this Lease and shall pay Broker a
            commission therefor pursuant to separate agreements between Broker
            and Landlord. All commissions owed to the Broker are to be paid by
            the Landlord. Landlord and Tenant each represent and warrant to the
            other that it has not employed any broker, agent or finder other
            than Broker relating to this Lease. Landlord shall indemnify and
            hold Tenant harmless, and Tenant shall indemnify and hold Landlord
            harmless, including without limitation reasonable attorneys' fees,
            experts' costs and court costs, from and against any claim for
            brokerage or other commission arising from or out of any breach of
            the representation and warranty of such party.

       27.4 Estoppel Certificates. Tenant shall, without charge, at any time
            and from time to time, within fifteen (15) days after request
            thereof by Landlord, Mortgagee, any purchaser of the Land or
            Building or any other interested person, execute, acknowledge and
            deliver to such requesting party a written estoppel certificate
            certifying as of the date of such estoppel certificate, the
            following: (i) that this Lease is unmodified and in full force and
            effect as modified and setting forth such modifications; (ii) that
            the term has commenced (and setting forth the Commencement date and
            Expiration Date); (iii) that Tenant is presently occupying the
            Premises; (iv) the amounts of basic rent and additional rent
            currently due and payable by Tenant; (v) that any alterations
            required by the Lease to have been made by Landlord have been made
            to satisfaction of Tenant; (vi) that there are no existing set-offs,
            charges, liens, claims or defenses against the enforcement of any
            right hereunder, including, without limitation, Basic rent or
            Additional rent (or, if alleged, specifying the same in detail);
            (vii) that no Basic rent (except the first installment thereof) has
            been paid more than thirty (30) days in advance of its due date;
            (viii) that Tenant has no knowledge of any then uncured default
            Landlord of its obligations under this Lease (or, if Tenant has such
            knowledge, specifying the same in detail); (ix) that tenant is not
            in default; (x) that the address to which notices to Tenant should
            be sent is as set forth in the Lease (or, if not specifying the
            correct address); and (xi) any other substance attached hereto as
            Exhibit D or, at Landlord's sole option, such other form and
            substance as may be requested or required by a Mortgagee or
            prospective purchaser or investor. The failure of Tenant to execute,
            acknowledge and deliver such a certificate in accordance with this
            Section 27.4 within the above-mentioned ten (10) days shall
            constitute an acknowledgement by Tenant, which may be relied on by
            any person who would be entitled to rely upon any such certificate,
            that such certificate as submitted by Landlord to tenant is true and
            correct; provided, however, that Landlord shall have no obligation
            to accept such deemed acknowledgement as its sole remedy for
            tenant's breach in failing to provide an estoppel certificate as
            required herein. In ten (10) days after request by Landlord, tenant
            shall deliver to Landlord audited financial statements of Tenant for
            its most recently ended fiscal year and interim unaudited financial
            statements for its most recently ended quarter.

       27.5 WAIVER OF JURY TRIAL. TENANT AND LANDLORD EACH HEREBY WAIVES TRIAL
            BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM BROUGHT BY
            LANDLORD AGAINST TENANT, OR BY TENANT AGAINST LANDLORD, WITH RESPECT
            TO ANY MATTER WHATSOEVER ARISING OUT OF OR INA NY WAY CONNECTED WITH
            THIS LEASE, THE RELATIONSHIP OF LANDLORD AND TENANT HEREUNDER OR
            TENANT'S USE OR OCCUPANCY OF THE PREMISES. IN THE EVENT LANDLORD
            COMMENCES ANY PROCEEDINGS FOR NONPAYMENT OF RENT, TENANT SHALL NOT
            INTERPOSE ANY COUNTERCLAIMS. THIS SHALL NOT,

<PAGE>

            HOWEVER, BE CONSTRUED AS A WAIVER OF EITHER PARTY'S RIGHT TO ASSERT
            ANY PERMITTED CLAIMS IN ANY SEPERATE ACTION BROUGHT BY THE OTHER
            PARTY.

       27.6 Notices. All notices, requests or other communications required or
            permitted hereunder shall be in writing, unless otherwise specified
            in this Lease, and shall be given (i) by personal delivery, (ii) by
            next day service of an express courier, or (iii) by certified or
            registered mail, return receipt requested, postage prepaid; in each
            such event such communications shall be addressed and sent, if to
            Landlord to Landlord's Address specified in Section 1.14 or if to
            Tenant to Tenant's Address specified in Section 1.15. Each such
            communication shall be deemed to have been given as follows: as to
            personally delivered items, on the date of personal delivery; as
            certified or registered mail, on the third (3rd) business day after
            such mailing. Landlord and Tenant may from time to time by written
            notice to the other designate a different address for receipt of
            future notices.

       27.7 Invalidity of Particular Provisions. If any provisions of this
            Lease or the application thereof to any person or circumstances
            shall to any extent by invalid or unenforceable, the remainder of
            this Lease, or the application of such provision to persons or
            circumstances other than those to which it is invalid or
            unenforceable, shall not be affected thereby, and each provision of
            this Lease shall be valid and be enforced to the full extent
            permitted by law.

       27.8 Gender and Number. All terms and works used in this Lease,
            regardless of the number or gender in which they are used, shall be
            deemed to include any other number or gender as the context may
            require.

       27.9 Benefit and Burden. Subject to the provisions of Article 11 and
            except as otherwise expressly provided, the provisions of this Lease
            shall be binding upon, and shall inure to the benefit of, the
            parties hereto and each of their respective representatives, heirs,
            successors and assigns. Landlord may freely and fully assign its
            interest hereunder.

      27.10 Entire Agreement. This Lease (which includes the Exhibits attached
            hereto) contains and embodies the entire agreement of the parties
            hereto, and no representations, inducements or agreements, oral or
            otherwise, between the parties not contained in this Lease shall be
            of any force or effect. This Lease (other than the Rules and
            regulations, which may be changed from time to time as provided
            herein) may not be modified, changed or terminated in whole or in
            part in any manner other than by agreement in writing duly signed by
            Landlord and Tenant.

      27.11 Authority.

                (i) If tenant signs as a corporation or limited entity, the
                    person executing this Lease on behalf of Tenant hereby
                    personally represents and warrants that Tenant is duly
                    formed and validly existing as such a corporation or entity,
                    in good standing, qualified to do business in the
                    Commonwealth of Virginia, that the corporation or limited
                    liability entity has full power and authority to enter into
                    the Lease and that the person signing is authorized to
                    execute this Lease on behalf of the corporation or limited
                    liability.
               (ii) If tenant signs as a partnership, the person executing this
                    Lease on behalf of tenant hereby personally represents and
                    warrants that Tenant is duly formed, validly existing
                    partnership qualified to do business in the Commonwealth of
                    Virginia, that the partnership has full power and authority
                    to enter into this Lease, and that the person signing is
                    authorized to execute this Lease on behalf of the
                    partnership.
              (iii) The person executing this Lease on behalf of Landlord
                    hereby represents and warrants that Landlord is duly formed,
                    validly existing limited liability company, qualified to do
                    business in the Commonwealth of Virginia, that

<PAGE>

                    the company has full power and authority to enter into this
                    Lease, and that he or she is authorized to execute this
                    Lease on behalf of the Landlord.

      27.12 Attorneys' Fees. If, as a result of any default of Landlord or
            Tenant in its performance of any of the provisions of this Lease,
            the other party uses the services of an attorney in order to secure
            compliance with such provisions or recover damages therefor, or to
            terminate this Lease or evict Tenant, the non-prevailing party shall
            reimburse the prevailing party upon demand for any and all
            reasonable attorneys' fees and expenses so incurred by the
            prevailing party.

      27.13 Interpretation. This Lease is governed by the laws of the
            Commonwealth of Virginia.

      27.14 Time of the Essence. Time is of the essence as to Tenant's
            obligations contained in this Lease.

      27.15 Force Majeure. Except for tenant's obligations to pay rent under
            this Lease, neither Landlord or Tenant shall be required to perform
            any of its obligations under this Lease, nor shall such party be
            liable for loss or damage for failure to do so, nor shall the other
            party thereby be released from any of its obligations under this
            Lease, where such failure by the non-performing arty arises from or
            through acts of god, strikes, lockouts, labor difficulties,
            explosions, sabotage, accidents, riots, civil commotions, acts of
            war, results or any warfare or warlike conditions in this or any
            foreign country, fire or casualty, legal requirements, energy
            shortage or other causes beyond the reasonable control of the
            non-performing party, unless such loss or damage results from the
            willful misconduct or gross negligence of the non-prevailing party.

      27.16 Headings. Captions and headings are for convenience of reference
            only.

      27.17 Memorandum of Lease. Tenant shall at the request of Landlord,
            execute and deliver a memorandum of lease in recordable form. Tenant
            shall not record such a memorandum of this Lease without Landlord's
            consent. In the event Tenant requests recordation of a memorandum of
            this Lease, Tenant shall be obligated to pay all recording costs,
            fees and taxes, if any, associated with such recordation. In the
            event Landlord elects to record a memorandum of this Lease, Landlord
            shall be obligated to pay all recoding costs, fees and taxes, if
            any, associated with such recordation.

      27.18 Landlord Decisions. Unless a specific contrary standard is
            otherwise expressly provided in this Lease, whenever any approval,
            consent or other decision (a "Decision") is required or permitted to
            be made by Landlord under this Lease, such Decision (i) shall not be
            unreasonably delayed, and (ii) shall be made by Landlord in its sole
            discretion.

      27.19 Landlord's Compensation for Tenant Delays. If tenant fails or
            refuses to execute and deliver instrument or certificate required to
            be delivered by tenant hereunder (including, without limitation, any
            instrument or certificate required under Article 23 or Section 27.4
            hereof) within the time periods required herein, then Tenant shall
            pay to Landlord as Additional rent any and all amounts actually and
            reasonably incurred by Landlord in connection with such delay,
            including, without limitation, attorneys' fees, carrying costs, and
            penalties. Each payment of such Additional rent shall be paid within
            ten (10) days after each written notice given by Landlord to Tenant
            certifying Landlord's damages incurred as a result of such delay by
            tenant; each such notice may be supplemented from time to time as
            and if Landlord in it sole reasonable discretion determines that
            additional damages were or have been incurred. Tenant acknowledges
            that such notice(s) by Landlord shall be conclusive upon tenant, its
            successors, and assigns, absent actual fraud by Landlord.

      27.20 Effectiveness. The furnishing if the form of this Lease shall not
            constitute an offer and this Lease shall become effective upon and
            only upon its full execution by and delivery to each party hereto.

<PAGE>

     IN WITNESS WHEREOF, Landlord and tenant have executed this Lease under seal
as of the Lease Date.

                                           LANDLORD:
ATTEST/WITNESS:                            WJG, LLC,
                                           A Virginia limited liability company
                                           By:                   (SEAL)
                                              -------------------------

Name:                                      Name:
      -----------------------                   -----------------------
                                                A.J. Gazaleno
Date:                                      Date:
      -----------------------                   -----------------------
                                                09-11-2001

                                           TENANT
ATTEST/WITNESS:                            ACCESS NATIONAL MORTGAGE

                                           By:                   (SEAL)
                                              -------------------------
                                                Michael J. Rebibo

Name:                                      Name:
      -----------------------                   -----------------------
      Cynthia Jones                             Michael J. Rebibo, President

Date:                                      Date:
      -----------------------                   -----------------------
      09-10-2001                                09-10-2001

<PAGE>

                                  EXHIBIT A-1
                             (Plan Showing Premises)

<PAGE>

                                   EXHIBIT A-2
                        (Plan Showing Land and Building)

<PAGE>

                                    EXHIBIT B

<PAGE>

                                   EXHIBIT B-1
                             INSURANCE REQUIREMENTS

    The Tenant Contractor shall, throughout the duration of any contract or any
work authorized under purchase order, at its expense, carry and from time to
time renew Worker's Compensation Insurance, Public Liability Insurance in the
amounts of $1,000,000 to $5,000,000 (dollar amount to be reasonably determined
by Landlord depending upon the scope and nature of the work), single limit
coverage both Bodily Injury and Property Damage, which policy(s) also shall
contain deductible amounts, if any, acceptable to Landlord in its reasonable
discretion. An insurance certificate in the customary form, naming tenant,
Landlord and the Landlord's property management agent as additional insureds and
evidencing that premiums therefore have been paid, shall be delivered to
Landlord simultaneously with the execution of any contract and prior to
performing any work authorized under a purchase order and within fifteen (15)
days the renewal of such together with evidence satisfactory to Landlord of
payment of the premium. All certificates must contain a provision that if such
policies are canceled or changed during the periods of coverage as stated
therein, in such a manner as to affect this certificate, written notice will be
mailed to the Landlord by registered mail ten (10) days prior to such
cancellation or change.

<PAGE>

                                    EXHIBT C

                         to the Lease agreement between

                           WJG, LLC, as Landlord, and

                       Access National Mortgage as Tenant

                              Rules and Regulations

<PAGE>

                                    EXHIBIT D
                              Estoppel Certificate

Re:  Suite_, 8233 Old Courthouse Road, Vienna, VA 22182 ("Premises")

The undersigned ("Tenant"), as tenant under a certain dated ______ , 200 ____ ,
("Lease") made with _____________ , a , ("Landlord") for the Premises described
above, hereby ratifies such Lease and certifies to you and your designees,
successors and assigns, and to ____________ Bank ("Lender") as follows:

1. (a) Name of Landlord:___________
   (b) Name of Tenant:___________
   (c) Date of Lease:___________
   (d) Amendments or Modifications:___________
   (e) Commencement Date and Expiration Date of current
       Lease Term:___________
   (f) Rentable Area:___________
   (g) Remaining Renewal Options:___________
   (h) Annual Base Rent $_____ for period_____through__
   (i) Additional Rent currently payable:___________
   (j) Operating Expense and Real Estate Taxes: proportionate share (_____% over
       20___________base year ($___________))
   (k) Remaining Expansion Rights:___________
   (l) Security Deposit:___________
   (m) Tenant pays for its electrical and janitorial services:
        Yes__  No__

2. The Tenant has not been amended or modified (either orally or in
writing) except as specified in paragraph 1(d) and there are no other agreements
between Landlord and Tenant. A copy of the Lease and all amendments and
modifications thereof are attached as Exhibit A to this Certificate. The address
for notices to Tenant is as set forth below.

3. Tenant is in full and complete possession of the premises described in the
Lease (the "Premises), such possession having been delivered by the Landlord
under the Lease and accepted any the tenant as complying with the terms of the
Lease. Any alterations required by the Lease to have been made by Landlord have
been made to the satisfaction of Tenant.

4. All rent, charges or other payments due under the Lease have been paid
through , 200 , and there has been no repayment of rent or other obligation more
than one month in advance. No portion of the Premises is currently sublet or
assigned.

    5.  Neither party is in default under any of the terms, covenants and
        conditions of the Lease, nor has any event occurred, which with the
        passage of time or the giving of notice, or both would constitute a
        default by either party under the Lease.

    6.  Tenant agrees that the Lease and the rights of Tenant thereunder shall
        be and remain in all respects and for all purposes subject, subordinate
        and junior in right and interest to the lien of the Deed of Trust (the
        "Deed of Trust") held to or be placed by Lender and to the right and
        interests of any holder of such Deed of Trust, whether of not the
        indebtness secured by such Deed of Trust is now or hereafter
        outstanding, as fully and with the same effect as if such Deed of Trust
        had been duly executed, acknowledged, delivered and recorded by the
        record owner of the property which is the subject of the Deed of trust
        and of which the Premises is a part (the "Property") so as to constitute
        a lien of record and the indebtedness secured by such Deed of Trust ha
        been fully disbursed prior to the execution and delivery of the Lease.

<PAGE>

    7.  Upon any foreclosure sale or conveyance in lieu thereof, or other suit
        or proceeding under or pursuant to the Deed of Trust or consequent upon
        any event of default thereunder, Tenant shall attorn to and recognize
        the purchaser of the Property as its landlord under the Lease as if such
        purchaser were the original landlord thereunder; provided, however, that
        such purchaser requests such attornment and recognition and that such
        purchaser shall in no way be liable or responsible for any alleged
        default by the Landlord pertaining to any period prior to the time that
        the purchaser acquires actual possession or control of the Property.

    Address of Tenant:                        [TENANT]

    -----------------
                                            By:
    -----------------                          ---------------------
                                                 Michael J. Rebibo

                                            Name:
                                                   -----------------
                                                   Michael J. Rebibo
                                            Title:
                                                    ----------------
                                                        President

<PAGE>

                                    EXHIBIT E
                                Extension Option

Tenant shall have the right to extend the term of the Lease with respect to the
Premises then subject to this Lease; upon and subject to the following terms and
conditions:

1.Extension Term. Tenant may extend this Lease for one or, having exercised one,
two extension terms of five (5) years (each an "Extension Term;" collectively
the "Extension Term;" the original and any Extension Term(s) may be called a
"Term") by delivering Tenant's written notice of such extension to Landlord no
later than six (6) months prior to the expiration of the original Term or, as to
the second Extension Term, the expiration of the prior Term upon exercise of any
such extension option the "Expiration Date" of the term shall automatically
become the last day of such Extension Term.

2.Condition to Exercise. Tenant's failure to exercise an extension option prior
to the exercise deadline for notice described in the paragraph next above, for
any reason whatsoever, shall conclusively be deemed a waiver of such option.
Tenant's failure to exercise its right to the first extension option prior to
the exercise deadline for notice described in the paragraph next above, for any
reason whatsoever, shall conclusively be deemed a waiver of the first and
subsequent options. Except as expressly set forth in this Exhibit to the
contrary, if Tenant properly and timely exercises any extension option set forth
above, Tenant may not thereafter revoke such exercise. Tenant's right to
exercise any extension option is subject to the existence of the following
conditions at the time of Tenant's exercise of its option to extend: (i) this
Lease is in full force and effect; (ii) no Event of Default then exists under
this Lease and no condition exists which with notice or the passage of time, or
both, would constitute an Event of Default; and (iii) the tenant named herein
shall not have assigned or sublet its rights to an aggregate of more than twenty
five percent (25%) of the rentable area of the original Premises.

3. Conditions of Premises. Tenant shall take the Premises in "as is" condition
for the Extension term, and Landlord shall have no obligation to make any
improvements or alterations to the Premises.

4. Rent.
(a) Basic rent for the first year of each Extension Term shall be the Fair
Market Value Rate (hereinafter defined) multiplied by the number of square feet
of gross rentable area in the Premises as of the commencement date of the
Extension Term. Basic rent during the second and subsequent yeas during the
applicable Extension Term shall be increased as provided in Section 1.6 of the
Lease. In no event, however, shall the initial Basic Rent for an Extension Term
be less than the Basic Rent paid for the last year of the prior Term.

(b) For purposes hereof "Fair Market Value Rate: means the full service rte fair
market rental rate per square foot of rentable area that would be agreed upon
between a landlord and tenant entering into a new lease for comparable space as
to location, size, configuration and elevator exposure in a building of
comparable location, quality, age and t and reputation with a comparable
build-out and a comparable term, assuming the following: (1) the landlord and
tenant are typically motivated; (2) the landlord and tenant are informed and
well advised and each is acting in what it considers its own best interest; (3)
tenant improvement allowance, fee rent periods or any other special concessions
(for example, design fees, moving allowances, commissions, etc.) will not be
provided to Tenant except to the extent that such allowances or concessions are
reflected in the fair market renal rates then being quoted in which event the
Fair Market Value Rate shall be reduced by the economic equivalent of the
allowances or concessions not offered to Tenant; (4) the Premises are fit for
the Permitted Uses; and (5) in the event the Premises has been destroyed or
damaged by the fire or other casualty; the Premises has been fully restored.
Tenant shall also continue to pay Tenant's Proportionate Share of Operating
Expenses and other charges under this Lease pursuant to the terms of the Lease
unless the marketplace conditions at the time include such costs in the fair
market rental rate, in which event the

<PAGE>

Fair Market Value rate shall be reduced to reflect the fact that Tenant's
Proportionate Share of Operating Expenses and other applicable charges under
this Lease are not included.

(c) Within fifteen (15) days after Landlord receives notice from Tenant that
Tenant is exercising an Extension Option, Landlord shall send written notice to
Tenant specifying the Fair Market Value rate as determined by Landlord and,
within fifteen (15) days after receipt of Landlord's notice, Tenant shall give
Landlord written notice of Tenant's acceptance or challenge of Landlord's
determination of the Fair Market Value Rate; provided, deemed not to have
accepted Landlord's determination of the Fair Market Value Rate, and Landlord
and Tenant shall endeavor to reach an agreement as to the Fair Market Value Rate
within thirty (30) days after the latter of the aforementioned fifteen (15) day
periods. Unless Landlord and Tenant agree in writing upon the Fair Market Value
Rate, Landlord and Tenant shall not be deemed to have agreed upon the Fair
Market Value Rate.

(d) If Landlord and Tenant are unable to agree upon the Fair Market Value Rate
within the aforementioned time period, Landlord and Tenant shall each select an
appraiser who shall each submit to the parties his or her determination of the
Fair Market Value Rate. Landlord and Tenant shall notify the other party of the
identity of the appraiser selected by the notifying party within ten (10) days
after the expiration of the aforementioned thirty (30) day period. Each
appraiser shall be a licensed real estate broker or an MAI-certified real estate
appraiser having a minimum of ten (10) years' experience in the Tyson's Corner,
Virginia office market. The appraisers shall be instructed to complete and
submit their written appraisal reports to the other party within thirty (30)
days after the expiration of the ten (10) day selection period. If the
determination of the Fair Market Value Rate submitted by the Landlord's
appraiser is less than the determination of the Fair Market Value Rate submitted
by the Tenant's appraiser, the Fair Market Value Rate shall be the average of
the two (2) determinations. If the determination of the Fair Market Value Rate
submitted by the Landlord's appraiser is greater than the determination of the
Fair Market Value Rate submitted by the Tenant's appraiser, the appraisers
shall, within ten (10) days, appoint a third appraiser with the above mentioned
qualifications who shall select either Landlord's appraisal or Tenant's
appraisal, whichever the third appraiser finds more accurately reflects the Fair
Market Value Rate. The third appraiser shall be instructed to make his or her
selection of the more accurate appraisal and notify Landlord and Tenant of such
selection within fifteen (15) days after such appraiser's appointment. The
foregoing notwithstanding, if the lower of the first two (2) appraisal amounts
is within five percent (5%) of the higher of the first two (2) appraisal
amounts, then Fair Market Value Rate shall be the average of the such two (2)
appraisal amounts and no third appraiser shall be used. Landlord and Tenant
shall each bear the costs of their respective appraisers. The expenses of a
third appraiser shall be borne one-half (1/2) by Landlord and one-half (1/2) by
Tenant.

(e) Any provision(s) of this Exhibit to the contrary notwithstanding, Landlord
shall not be required to accept Basic Rent for any year during an Extension
Term, as determined pursuant to Section 4(d) above, in an amount less than the
Basic Rent paid for the last year of the original Term.

(f) Additional Rent shall continue to be due and payable as provided in the
Lease.

5. No Abatement. Although rent abatement period(s) will be considered (if
applicable) in determining the Fair Market Value Rate pursuant to Section 4(b)
of this Exhibit, at no time during any Extension Term will Rent abate under this
Lease.

6. Terms of Lease. Except as otherwise set forth in this Exhibit, Tenant's lease
of the Premises for any Extension Term shall be upon the same terms and
conditions as are applicable for the prior Term.

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