Document:

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                                                                   EXHIBIT 10.20

                               [PROVANTEDGE LOGO]

                         SOFTWARE SOURCE CODE AGREEMENT

This Software Source Code Agreement ("AGREEMENT") is entered into as of this 8th
day of April 2004 (the "EFFECTIVE DATE") by and between Provantedge.Com
Corporation ("PROVANTEDGE"), a California corporation, and Oak Street Mortgage
LLC a limited liability company ("LICENSEE").

                                    RECITALS

A.    Provantedge is a manufacturer, developer and marketer of NVISION, a
computer software application ("SOFTWARE") for which Licensee has acquired a
license to use such Software in object code form pursuant to that certain
Software License agreement between the parties dated November 1, 2002 ("USER
LICENSE").

B.    Licensee desires to license one copy of the source code version 4.4.1
build 1026 of the Software ("SOURCE CODE"), which will include without
limitation the code for nVision, VOX, Credit Server and all related DLLs and
scripts (collectively the "SOURCE CODE") and all related documentation including
without limitation all user and technical documentation, training manuals,
handbooks, listings, specifications, forms, test data, scripts, commentary,
Application Expiration Code and modifications instructions, and other materials
pertaining to

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the Software and/or the Source Code (collectively the "DOCUMENTATION" and
collectively with the Software and the Source Code the "SOFTWARE SYSTEM") solely
for the creation of derivative works (the "DERIVATIVE WORKS") to be separately
owned by Licensee in accordance with the terms and conditions of this Agreement,
and to be considered herein as distinct from the Software System.

C.    Provantedge is willing to license the Software System to Licensee for a
one-time license fee under the terms and conditions of this Agreement and in
reliance on Licensee's promises set forth herein to strictly protect
Provantedge's proprietary rights in the Source System, including without
limitation the confidential nature thereof.

NOW, THEREFORE, and in consideration of the terms, conditions, covenants,
warranties and promises contained herein, the parties hereby agree as follows:

                                    AGREEMENT

1. SOURCE CODE LICENSE.

      (a) License Grant. Subject to the terms and conditions set forth in this
Agreement, Provantedge hereby grants to Licensee a perpetual, non-exclusive,
non-transferable, and irrevocable license to reproduce and modify the Software
System solely as Licensee deems necessary to create the Derivative Works.
Licensee may use the Software System during Licensee's normal course of business
as it reasonably deems necessary, on any of Licensee's computers, at any of
Licensee's business locations and simultaneously on more than one computer at a
time and via any computer network, intranet, or Internet. Licensee will have the
right, in its own discretion, to independently modify or maintain the Software
System for its own purposes and use, through its own acts or the acts of its
affiliates, agents, brokers or independent contractors or through the services
of its employees or the employees of its affiliates, agents, brokers or
independent contractors (each an "EMPLOYEE" and collectively "EMPLOYEES" and
collectively with Employee(s), affiliates, agents, brokers, and independent
contractors the "PERMITTED USERS"), provided that such Permitted Users agree not
to disclose or distribute any part of the Software System to any other third
party or otherwise violate Provantedge's proprietary rights therein. Licensee
will be the owner of any such modifications, including Derivative Works.

      (b) Limitations. For avoidance of doubt, Licensee acknowledges that
Licensee is not authorized to: (i) distribute any copy or copies of the Source
Code to any third party other than Permitted Users, or (ii) sublicense or
otherwise use the Source Code or Software for the benefit of any third party
other than Permitted Users, including without limitation providing access or use
rights to any third party for a fee other than a Permitted User.

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      (c) Ownership. Except as specifically granted in this Agreement,
Provantedge reserves and retains all right, title, interest, ownership,
proprietary rights and copyrights in the Software System. Licensee will own any
Derivative Works developed by or for Licensee under this Agreement and any
worldwide intellectual property rights appurtenant thereto. Licensee will not
remove any copyright and trademark notices in or on the original Source Code;
provided, however, that Licensee may at its discretion remove any such notices
from the presentation layer.

2. LICENSE FEES & DELIVERY.

      (a) On the Effective Date, Licensee will deposit with George & Shields,
LLP (the "Escrow Agent") a one-time license fee of Two Hundred Thousand U.S.
Dollars ($200,000.00), for the rights granted under this Agreement; provided,
however, that a condition(s) precedent to Licensee depositing the license fee
with the Escrow Agent is written verification from the Escrow Agent to Licensee
that Escrow Agent has taken possession of and holds in trust the Source Code and
Documentation, including without limitation all Application Expiration Code(s)
and modifications instructions necessary to keep the Software System Functioning
from the Effective Date until perpetuity.

      (b) After Licensee has made deposit of the license fee, Provantedge will
grant Licensee or its designated agent onsite access to the Software System to
permit Licensee to download the Source Code and Documentation.

      (c) In addition, within five (5) business days after the Effective Date,
the Escrow Agent will deliver to Licensee one (1) copy of the Source Code in a
format and on a machine-readable media reasonably designated by Licensee along
with the Documentation including one (1) complete listing of the Source Code in
electronic format. Provantedge shall bear all costs for delivery of the Software
System and all risk of loss, including any insurance costs.

      (d) Licensee will validate the Source Code within five (5) business days
after taking receipt of the Source Code. If the Source Code passes validation,
then Licensee will direct the Escrow Agent to deliver to Provantedge the
one-time license fee. In the event that Licensee rejects the Source Code and/or
the Documentation, for any reason in Licensee's sole discretion, then the Escrow
Agent will return to Licensee the license fee.

3. CONFIDENTIALITY. Provantedge and Licensee each acknowledge that they may be
exposed to or in receipt of Confidential Information of each other, and now
agree to safeguard and keep such Confidential Information secret. Licensee
acknowledges that the Software System is Confidential Information and a valuable
trade secret of Provantedge and

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that any disclosure thereof to any third party other than as set forth herein
could result in irreparable harm to Provantedge. Each party agrees that at all
times during and after the term of this Agreement, it will hold in strictest
confidence, and will not use or disclose to any third party other than as set
forth herein, any Confidential Information of the other party, including without
limitation, the Source Code and the terms of this Agreement. The term
"CONFIDENTIAL INFORMATION" means all non-public information either party
designates as being confidential, or which, under the circumstances of
disclosure ought to be treated as confidential. Confidential Information does
not include information (a) that was publicly available, or that subsequently
becomes publicly available, except by the wrongful disclosure by the receiving
party; (b) that was received from a third party who was not known to be under
any obligation of confidentiality with respect to such information; (c) that can
be proven to have been developed independently by Licensee; (d) that a party
furnishes or has furnished to any third party without restriction on the third
party's right of disclosure; or (e) that the disclosing party approves in
writing for release. Each party agrees that upon any termination of this
Agreement, the receiving party will return to the disclosing party all
specifications, designs, devices, documents and any other material containing or
disclosing any Confidential Information of the disclosing party at the
disclosing party's request.

4. WARRANTY DISCLAIMER; LIMITATION ON DAMAGES & LIABILITY.

      (A) Provantedge warrants and represents: (i) that it is the owner of the
Software System or otherwise has the right to grant to Licensee the license to
use the Software System as set forth in this Agreement; (ii) that the transfer
to Licensee or use of the Software System by Licensee or Permitted Users will
not violate or infringe any rights of any third party; (iii) that there are no
past and there is currently no actual or threatened suit by any third party
based on an alleged violation of any such third party rights by the use or
transfer of the Software System; (iv) that the Software System is not subject to
any liens or other encumbrances inconsistent with the rights transferred herein;
and (v) that Software System contains no disabling or destructive codes, timers,
counters, or other limitations.

      (B) THE SOURCE CODE IS LICENSED TO LICENSEE "AS IS". PROVANTEDGE DOES NOT
PROVIDE ANY EXPRESS WARRANTIES IN CONNECTION WITH THE SOURCE CODE AND HEREBY
DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION ACCURACY OF
INFORMATION, COMPLIANCE WITH ANY APPLICABLE LAW OR THE FORMS, PROCEDURES OR
REQUIREMENTS OF ANY PUBLIC OR PRIVATE AGENCY, ASSOCIATION, BANK, BUSINESS OR
OTHER PERSON, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE.

      (C) NEITHER PARTY WILL IN ANY CASE BE LIABLE TO THE OTHER PARTY OR TO ANY
THIRD PARTY FOR SPECIAL, INCIDENTAL,

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CONSEQUENTIAL, INDIRECT OR OTHER SIMILAR DAMAGES ARISING FROM OR IN CONNECTION
WITH THE SOURCE CODE UNDER ANY THEORY OF LAW, INCLUDING WITHOUT LIMITATION UNDER
CONTRACT, NEGLIGENCE, TORT OR ANY OTHER THEORY, EVEN IF, SUCH PARTY HAS BEEN
ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF SUCH DAMAGES.

      (D) IN NO EVENT WILL EITHER PARTY'S LIABILITY TO THE OTHER PARTY UNDER
THIS AGREEMENT EXCEED THE AMOUNTS RECEIVED FROM LICENSEE UNDER THIS AGREEMENT.

      (E) Notwithstanding any provision to the contrary herein, Provantedge
agrees to indemnify and hold harmless Licensee and its subsidiaries or
affiliates under its control, and their directors, officers, employees and
agents, against any and all losses, liabilities, judgments, awards and costs
(including legal fees and expenses) arising out of, or related to any claim that
Licensee's use or possession of the Software System, or the license granted
hereunder, infringes or violates any intellectual property right of any third
party, including any copyright, trade secret, patent right, or other proprietary
right of any third party.

5. NO SUPPORT OR MAINTENANCE; NO UPDATES OR UPGRADES. Licensee acknowledges that
Provantedge has no obligation to provide any support, maintenance, updates or
upgrades for the Software System nor any other services to Licensee under this
Agreement.

6. PERPETUAL TERM. The Term of this Agreement will be perpetual.

7. NOTICE. Any notice or other communication required or permitted pursuant to
this Agreement will be in writing and, and will be deemed to have been given if
delivered personally or seventy-two (72) hours after being deposited in the
United States mail, certified, return receipt requested, postage prepaid and
addressed as follows:

      IF TO PROVANTEDGE:

                  Provantedge.Com Corporation
                  1 Spectrum Pointe, Suite 100
                  Lake Forest, California 92630
                  Attention:  Ronald L. Askew

      IF TO LICENSEE:

                  Oak Street Mortgage LLC
                  11595 N. Meridian St., Suite 400

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                                    Ca 92630

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                  Carmel, Indiana 46032
                  Attention:  Leah Grinnen, Esq.

8. ASSIGNMENT. Licensee may assign or transfer Licensee's rights or delegate its
obligations under this Agreement to any of Licensee's divisions, affiliates, or
subsidiaries or pursuant to any acquisition of all or substantially all of
Licensee's assets, by merger or otherwise by operation of law. Licensee may not
assign or transfer its rights or delegate its obligations under this Agreement
to any other party without Provantedge's prior written consent, which will not
be unreasonably withheld. Any authorized transferee or assignee of the Software
System will be bound by the terms and conditions of this Agreement, but the
transfer or assignment will not release Licensee from its duties or obligations
hereunder. This Agreement will be binding upon the successors and assigns of the
parties to this Agreement.

9. MUTUAL RELEASE.

   (a) In consideration of the payment of the license fee, and the terms and
conditions contained therein, the parties hereto, for and on behalf of
themselves, and their respective successors, assigns, agents, representatives,
insurers, and attorneys, and all persons or entities claiming through them,
hereby forever release and discharge each other, as well as their respective
successors, assigns, agents, representatives, insurers and attorneys from any
and all claims of every kind whatsoever, whether at law or in equity, whether
known or unknown, whether or not concealed or hidden, which they, respectively,
had, have, or may hereafter have based on facts preceding the date of the full
execution of this Agreement ("Released Claims").

   (b) The parties assume the risk that they are unaware of the subject matter
of this Agreement, or are otherwise mistaken as to relevant facts, and
acknowledge that they may discover facts in addition to or different from those
that they now know or believe to be true concerning the Released Claims and
other matters contained in or concerning this Agreement. The parties
nevertheless agree and intend for this Agreement to be a complete release of the
Released Claims, and to settle all disputes and differences relating to the
Released Claims, known or unknown, suspected or unsuspected, which have existed,
now exist, or may exist between or among the parties and any of those persons or
entities granted releases. As to each of the Released Claims, the parties
expressly waive and relinquish all of their rights under Section 1542 of the
California Civil Code, which provides as follows:

                  "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE
                  CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE
                  TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY

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                  HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE
                  DEBTOR."

The parties hereby represent and acknowledge that they are familiar with and
have had the opportunity to have the effect and import of the provisions of
Section 1542 of the California Civil Code explained to them by their own
counsel. The parties hereby further represent and acknowledge that they
understand the significance and the consequences of such specific waiver of
unknown claims and hereby assume full responsibility for any injuries, damages,
lawsuits, or liabilities that they may incur, both now and hereafter, from the
waiver of said unknown claims. The parties hereby further represent and
acknowledge that they may discover facts different from, or in addition to,
those facts that they now know or believe to be true, and agree that this
Agreement and the releases contained herein shall be and remain effective in all
respects notwithstanding any such subsequent discovery of different or
additional facts. The parties acknowledge and represent that they have
undertaken their own independent investigations of all of the facts relating to
the matters being released herein, this Agreement, and in entering into this
Agreement and granting the releases contained herein, the Parties are not
relying on any representation, warranty, or statement of any other party except
as expressly set forth herein. The parties acknowledge that this waiver is an
essential and material term of this Agreement.

10. SEVERABILITY & WAIVER. In the event any provision of this Agreement should
be held to be void, voidable or unenforceable, the remaining portions hereof
will remain in full force and effect. No waiver of any term, provision or
condition of this Agreement, whether by conduct or otherwise, in any one or more
instances, will be deemed to be, or construed as a further or continuing waiver
of any such term, provision or condition or of any other term, provision or
condition of this Agreement.

11. INTERPRETATION. In the event of any claimed conflict, omission or ambiguity
in this Agreement, no presumption or burden of proof or persuasion will be
implied by virtue of the fact that this Agreement was prepared by or at the
request of a particular party to this Agreement. This Agreement will be
interpreted equally as to both parties and not against the party that drafted
it.

12. HEADINGS. Headings used herein are for convenience of reference only and do
not define or limit the scope of the provisions of this Agreement.

13. RELATIONSHIP OF THE PARTIES. The parties will at all times be independent
parties. Neither party is an employee, joint venturer, agent or partner of the
other and neither party is authorized to assume or create any obligations or
liabilities, express or implied, on behalf of or in the name of the other.

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14. GOVERNING LAW. This Agreement will be governed by and construed and enforced
in accordance with the laws of the State of California applicable to agreements
made and to be fully performed therein, without regard to the principles of
conflict of laws thereof. Licensee hereby irrevocably consents to jurisdiction
and venue in the state and federal courts (as applicable) in Orange County,
California. The prevailing party in any claim or action under this Agreement
will be entitled to reasonable attorneys' fees and expenses, including without
limitation on appeal, in bankruptcy or in any other legal proceeding.

15. ENTIRE AGREEMENT. This Agreement constitutes the final, complete and entire
Agreement between the parties with respect to the subject matter of this
Agreement and replaces and supersedes all previous oral or written agreements,
including the User License, understandings or arrangements, if any, between the
parties in connection with the subject matter of this Agreement. This Agreement
cannot be modified in any respect except by an amendment in a paper writing
(e.g., not via email) signed by both parties.

      IN WITNESS WHEREOF, the parties to this Agreement have executed this
Agreement by their duly authorized officers as of the Effective Date.

PROVANTEDGE.COM CORPORATION, a             LICENSEE
California Corporation

By:   /s/ Kimber Patrick                   By:    /s/ Leah Grinnen
      ------------------                          ----------------

Name: Kimber Patrick                       Name:  Leah Grinnen
      ------------------                          ----------------

Title: Chief Financial Officer             Title: General Counsel
      ------------------------                    ----------------

  Provantedge Technologies, One Spectrum Point Drive, Suite #100, Lake Forest,
                                    Ca 92630

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                                                                   EXHIBIT 10.21

                            INDEMNIFICATION AGREEMENT

      THIS INDEMNIFICATION AGREEMENT is made and entered into this ____ day of
__________, 200__ ("Agreement"), by and between Oak Street Financial Services,
Inc., a Maryland corporation (the "Company"), and ______________________________
("Indemnitee").

      WHEREAS, at the request of the Company, Indemnitee currently serves as a
director of the Company and may, therefore, be subjected to claims, suits or
proceedings arising as a result of his service; and

      WHEREAS, as an inducement to Indemnitee to continue to serve as such
director, the Company has agreed to indemnify and to advance expenses and costs
incurred by Indemnitee in connection with any such claims, suits or proceedings,
to the fullest extent permitted by law; and

      WHEREAS, the parties by this Agreement desire to set forth their agreement
regarding indemnification and advance of expenses;

      NOW, THEREFORE, in consideration of the premises and the covenants
contained herein, the Company and Indemnitee do hereby covenant and agree as
follows:

      Section 1. Definitions. For purposes of this Agreement:

      (a) "Change in Control" means a change in control of the Company occurring
after the Effective Date of a nature that would be required to be reported in
response to Item 6(e) of Schedule 14A of Regulation 14A (or in response to any
similar item on any similar schedule or form) promulgated under the Securities
Exchange Act of 1934, as amended (the "Act"), whether or not the Company is then
subject to such reporting requirement; provided, however, that, without
limitation, such a Change in Control shall be deemed to have occurred if after
the Effective Date (i) any "person" (as such term is used in Sections 13(d) and
14(d) of the Act) is or becomes the "beneficial owner" (as defined in Rule 13d-3
under the Act), directly or indirectly, of securities of the Company
representing 15% or more of the combined voting power of the Company's then
outstanding securities without the prior approval of at least two-thirds of the
members of the Board of Directors in office immediately prior to such person
attaining such percentage interest; (ii) there occurs a proxy contest, or the
Company is a party to a merger, consolidation, sale of assets, plan of
liquidation or other reorganization not approved by at least two-thirds of the
members of the Board of Directors then in office, as a consequence of which
members of the Board of Directors in office immediately prior to such
transaction or event constitute less than a majority of the Board of Directors
thereafter; or (iii) during any period of two consecutive years, other than as a
result of an event described in clause (a)(ii) of this Section 1, individuals
who at the beginning of such period constituted the Board of Directors
(including for this purpose any new director whose election or nomination for
election by the Company's stockholders was approved by a vote of at least
two-thirds of the directors then still in office who were directors at the
beginning of such period) cease for any reason to constitute at least a majority
of the Board of Directors.

      (b) "Corporate Status" means the status of a person who is or was a
director, trustee, officer, employee or agent of the Company or of any other
corporation, partnership, joint

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venture, trust, employee benefit plan or other enterprise for which such person
is or was serving at the request of the Company.

      (c) "Disinterested Director" means a director of the Company who is not
and was not a party to the Proceeding in respect of which indemnification is
sought by Indemnitee.

      (d) "Effective Date" means the date set forth in the first paragraph of
this Agreement.

      (e) "Expenses" shall include all reasonable and out-of-pocket attorneys'
fees, retainers, court costs, transcript costs, fees of experts, witness fees,
travel expenses, duplicating costs, printing and binding costs, telephone
charges, postage, delivery service fees, and all other disbursements or expenses
of the types customarily incurred in connection with prosecuting, defending,
preparing to prosecute or defend, investigating, or being or preparing to be a
witness in a Proceeding.

      (f) "Independent Counsel" means a law firm, or a member of a law firm,
that is experienced in matters of corporation law and neither is, nor in the
past five years has been, retained to represent: (i) the Company or Indemnitee
in any matter material to either such party, or (ii) any other party to or
witness in the Proceeding giving rise to a claim for indemnification hereunder.
Notwithstanding the foregoing, the term "Independent Counsel" shall not include
any person who, under the applicable standards of professional conduct then
prevailing, would have a conflict of interest in representing either the Company
or Indemnitee in an action to determine Indemnitee's rights under this
Agreement. If a Change of Control has not occurred, Independent Counsel shall be
selected by the Board of Directors, with the approval of Indemnitee, which
approval will not be unreasonably withheld. If a Change of Control has occurred,
Independent Counsel shall be selected by Indemnitee, with the approval of the
Board of Directors, which approval will not be unreasonably withheld.

      (g) "Proceeding" includes any threatened, pending or completed action,
suit, arbitration, alternate dispute resolution mechanism, investigation,
administrative hearing or any other proceeding, whether civil, criminal,
administrative or investigative (including on appeal), except one pending or
completed on or before the Effective Date, unless otherwise specifically agreed
in writing by the Company and Indemnitee.

      Section 2. Services by Indemnitee. Indemnitee will serve as a director of
the Company. However, this Agreement shall not impose any obligation on
Indemnitee or the Company to continue Indemnitee's service to the Company beyond
any period otherwise required by law or by other agreements or commitments of
the parties, if any.

      Section 3. Indemnification - General. The Company shall indemnify, and
advance Expenses to, Indemnitee (a) as provided in this Agreement and (b)
otherwise to the fullest extent permitted by Maryland law in effect on the date
hereof and as amended from time to time; provided, however, that no change in
Maryland law shall have the effect of reducing the benefits available to
Indemnitee hereunder based on Maryland law as in effect on the date hereof. The
rights of Indemnitee provided in this Section 3 shall include, without
limitation, the rights set forth in the other sections of this Agreement,
including any additional indemnification permitted by Section 2-418(g) of the
Maryland General Corporation Law ("MGCL").

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      Section 4. Proceedings Other Than Proceedings by or in the Right of the
Company. Indemnitee shall be entitled to the rights of indemnification provided
in this Section 4 if, by reason of his Corporate Status, he is, or is threatened
to be, made a party to or a witness in any threatened, pending, or completed
Proceeding, other than a Proceeding by or in the right of the Company. Pursuant
to this Section 4, Indemnitee shall be indemnified against all judgments,
penalties, fines and amounts paid in settlement and all Expenses actually and
reasonably incurred by him or on his behalf in connection with a Proceeding by
reason of his Corporate Status unless it is established that (i) the act or
omission of Indemnitee was material to the matter giving rise to the Proceeding
and (a) was committed in bad faith or (b) was the result of active and
deliberate dishonesty, (ii) Indemnitee actually received an improper personal
benefit in money, property or services, or (iii) in the case of any criminal
Proceeding, Indemnitee had reasonable cause to believe that his conduct was
unlawful.

      Section 5. Proceedings by or in the Right of the Company. Indemnitee shall
be entitled to the rights of indemnification provided in this Section 5 if, by
reason of his Corporate Status, he is, or is threatened to be, made a party to
or a witness in any threatened, pending or completed Proceeding brought by or in
the right of the Company to procure a judgment in its favor. Pursuant to this
Section 5, Indemnitee shall be indemnified against all amounts paid in
settlement and all Expenses actually and reasonably incurred by him or on his
behalf in connection with such Proceeding unless it is established that (i) the
act or omission of Indemnitee was material to the matter giving rise to such a
Proceeding and (a) was committed in bad faith or (b) was the result of active
and deliberate dishonesty or (ii) Indemnitee actually received an improper
personal benefit in money, property or services.

      Section 6. Court-Ordered Indemnification. Notwithstanding any other
provision of this Agreement, a court of appropriate jurisdiction, upon
application of Indemnitee and such notice as the court shall require, may order
indemnification in the following circumstances:

      (a) if it determines Indemnitee is entitled to reimbursement under Section
2-418(d)(1) of the MGCL, the court shall order indemnification, in which case
Indemnitee shall be entitled to recover the expenses of securing such
reimbursement; or

      (b) if it determines that Indemnitee is fairly and reasonably entitled to
indemnification in view of all the relevant circumstances, whether or not
Indemnitee (i) has met the standards of conduct set forth in Section 2-418(b) of
the MGCL or (ii) has been adjudged liable for receipt of an improper personal
benefit under Section 2-418(c) of the MGCL, the court may order such
indemnification as the court shall deem proper. However, indemnification with
respect to any Proceeding by or in the right of the Company or in which
liability shall have been adjudged in the circumstances described in Section
2-418(c) of the MGCL shall be limited to Expenses actually and reasonably
incurred by him or on his behalf in connection with a Proceeding.

      Section 7. Indemnification for Expenses of a Party Who is Wholly or Partly
Successful. Notwithstanding any other provision of this Agreement, and without
limiting any such provision, to the extent that Indemnitee is, by reason of his
Corporate Status, made a party to and is successful, on the merits or otherwise,
in the defense of any Proceeding, he shall be indemnified for all Expenses
actually and reasonably incurred by him or on his behalf in

                                      -3-
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connection therewith. If Indemnitee is not wholly successful in such Proceeding
but is successful, on the merits or otherwise, as to one or more but less than
all claims, issues or matters in such Proceeding, the Company shall indemnify
Indemnitee under this Section 7 for all Expenses actually and reasonably
incurred by him or on his behalf in connection with each successfully resolved
claim, issue or matter, allocated on a reasonable and proportionate basis. For
purposes of this Section and without limitation, the termination of any claim,
issue or matter in such a Proceeding by dismissal, with or without prejudice,
shall be deemed to be a successful result as to such claim, issue or matter.

      Section 8. Advance of Expenses. The Company shall advance all reasonable
Expenses actually and reasonably incurred by or on behalf of Indemnitee in
connection with any Proceeding (other than a Proceeding brought to enforce
indemnification under this Agreement, applicable law, the Charter or Bylaws of
the Company, any agreement or a resolution of the stockholders entitled to vote
generally in the election of directors or of the Board of Directors) to which
Indemnitee is, or is threatened to be, made a party or a witness, within ten
days after the receipt by the Company of a statement or statements from
Indemnitee requesting such advance or advances from time to time, whether prior
to or after final disposition of such Proceeding. Such statement or statements
shall reasonably evidence the Expenses incurred by Indemnitee and shall include
or be preceded or accompanied by a written affirmation by Indemnitee of
Indemnitee's good faith belief that the standard of conduct necessary for
indemnification by the Company as authorized by law and by this Agreement has
been met and a written undertaking by or on behalf of Indemnitee, in
substantially the form attached hereto as Exhibit A or in such form as may be
required under applicable law as in effect at the time of the execution thereof,
to reimburse the portion of any Expenses advanced to Indemnitee relating to
claims, issues or matters in the Proceeding as to which it shall ultimately be
established that the standard of conduct has not been met and which have not
been successfully resolved as described in Section 7. To the extent that
Expenses advanced to Indemnitee do not relate to a specific claim, issue or
matter in the Proceeding, such Expenses shall be allocated on a reasonable and
proportionate basis. The undertaking required by this Section 8 shall be an
unlimited general obligation by or on behalf of Indemnitee and shall be accepted
without reference to Indemnitee's financial ability to repay such advanced
Expenses and without any requirement to post security therefor.

      Section 9. Procedure for Determination of Entitlement to Indemnification.

      (a) To obtain indemnification under this Agreement, Indemnitee shall
submit to the Company a written request, including therein or therewith such
documentation and information as is reasonably available to Indemnitee and is
reasonably necessary to determine whether and to what extent Indemnitee is
entitled to indemnification. The Secretary of the Company shall, promptly upon
receipt of such a request for indemnification, advise the Board of Directors in
writing that Indemnitee has requested indemnification.

      (b) Upon written request by Indemnitee for indemnification pursuant to the
first sentence of Section 9(a) hereof, a determination, if required by
applicable law, with respect to Indemnitee's entitlement thereto shall promptly
be made in the specific case: (i) if a Change in Control shall have occurred, by
Independent Counsel in a written opinion to the Board of Directors, a copy of
which shall be delivered to Indemnitee; or (ii) if a Change of Control shall not
have occurred, (A) by the Board of Directors (or a duly authorized committee
thereof) by a

                                      -4-
<PAGE>

majority vote of a quorum consisting of Disinterested Directors (as herein
defined), or (B) if a quorum of the Board of Directors consisting of
Disinterested Directors is not obtainable or, even if obtainable, such quorum of
Disinterested Directors so directs, by Independent Counsel in a written opinion
to the Board of Directors, a copy of which shall be delivered to Indemnitee, or
(C) if so directed by a majority of the members of the Board of Directors, by
the stockholders of the Company. If it is so determined that Indemnitee is
entitled to indemnification, payment to Indemnitee shall be made within ten days
after such determination. Indemnitee shall cooperate with the person, persons or
entity making such determination with respect to Indemnitee's entitlement to
indemnification, including providing to such person, persons or entity upon
reasonable advance request any documentation or information which is not
privileged or otherwise protected from disclosure and which is reasonably
available to Indemnitee and reasonably necessary to such determination in the
discretion of the Board of Directors or Independent Counsel if retained pursuant
to clause (ii)(B) of this Section 9. Any Expenses actually and reasonably
incurred by Indemnitee in so cooperating with the person, persons or entity
making such determination shall be borne by the Company (irrespective of the
determination as to Indemnitee's entitlement to indemnification) and the Company
shall indemnify and hold Indemnitee harmless therefrom.

      Section 10. Presumptions and Effect of Certain Proceedings.

      (a) In making a determination with respect to entitlement to
indemnification hereunder, the person or persons or entity making such
determination shall presume that Indemnitee is entitled to indemnification under
this Agreement if Indemnitee has submitted a request for indemnification in
accordance with Section 9(a) of this Agreement, and the Company shall have the
burden of proof to overcome that presumption in connection with the making of
any determination contrary to that presumption.

      (b) The termination of any Proceeding by judgment, order, settlement,
conviction, a plea of nolo contendere or its equivalent, or an entry of an order
of probation prior to judgment, does not create a presumption that Indemnitee
did not meet the requisite standard of conduct described herein for
indemnification.

      Section 11. Remedies of Indemnitee.

      (a) If (i) a determination is made pursuant to Section 9 of this Agreement
that Indemnitee is not entitled to indemnification under this Agreement, (ii)
advance of Expenses is not timely made pursuant to Section 8 of this Agreement,
(iii) no determination of entitlement to indemnification shall have been made
pursuant to Section 9(b) of this Agreement within [90][30] days after receipt by
the Company of the request for indemnification, (iv) payment of indemnification
is not made pursuant to Section 7 of this Agreement within ten days after
receipt by the Company of a written request therefor, or (v) payment of
indemnification is not made within ten days after a determination has been made
that Indemnitee is entitled to indemnification, Indemnitee shall be entitled to
an adjudication in an appropriate court located in the State of Maryland, or in
any other court of competent jurisdiction, of his entitlement to such
indemnification or advance of Expenses. Alternatively, Indemnitee, at his
option, may seek an award in arbitration to be conducted by a single arbitrator
pursuant to the commercial Arbitration Rules of the American Arbitration
Association. Indemnitee shall commence such proceeding

                                      -5-
<PAGE>

seeking an adjudication or an award in arbitration within 180 days following the
date on which Indemnitee first has the right to commence such proceeding
pursuant to this Section 11(a); provided, however, that the foregoing clause
shall not apply to a proceeding brought by Indemnitee to enforce his rights
under Section 7 of this Agreement.

      (b) In any judicial proceeding or arbitration commenced pursuant to this
Section 11 the Company shall have the burden of proving that Indemnitee is not
entitled to indemnification or advance of Expenses, as the case may be.

      (c) If a determination shall have been made pursuant to Section 9(b) of
this Agreement that Indemnitee is entitled to indemnification, the Company shall
be bound by such determination in any judicial proceeding or arbitration
commenced pursuant to this Section 11, absent a misstatement by Indemnitee of a
material fact, or an omission of a material fact necessary to make Indemnitee's
statement not materially misleading, in connection with the request for
indemnification.

      (d) In the event that Indemnitee, pursuant to this Section 11, seeks a
judicial adjudication of or an award in arbitration to enforce his rights under,
or to recover damages for breach of, this Agreement, Indemnitee shall be
entitled to recover from the Company, and shall be indemnified by the Company
for, any and all Expenses actually and reasonably incurred by him in such
judicial adjudication or arbitration. If it shall be determined in such judicial
adjudication or arbitration that Indemnitee is entitled to receive part but not
all of the indemnification or advance of Expenses sought, the Expenses incurred
by Indemnitee in connection with such judicial adjudication or arbitration shall
be appropriately prorated.

      Section 12. Defense of the Underlying Proceeding.

      (a) Indemnitee shall notify the Company promptly upon being served with or
receiving any summons, citation, subpoena, complaint, indictment, information,
notice, request or other document relating to any Proceeding which may result in
the right to indemnification or the advance of Expenses hereunder; provided,
however, that the failure to give any such notice shall not disqualify
Indemnitee from the right, or otherwise affect in any manner any right of
Indemnitee, to indemnification or the advance of Expenses under this Agreement
unless the Company's ability to defend in such Proceeding or to obtain proceeds
under any insurance policy is materially and adversely prejudiced thereby, and
then only to the extent the Company is thereby actually so prejudiced.

      (b) Subject to the provisions of the last sentence of this Section 12(b)
and of Section 12(c) below, the Company shall have the right to defend
Indemnitee in any Proceeding which may give rise to indemnification hereunder;
provided, however, that the Company shall notify Indemnitee of any such decision
to defend within 15 calendar days following receipt of notice of any such
Proceeding under Section 12(a) above. The Company shall not, without the prior
written consent of Indemnitee, which shall not be unreasonably withheld or
delayed, consent to the entry of any judgment against Indemnitee or enter into
any settlement or compromise which (i) includes an admission of fault of
Indemnitee or (ii) does not include, as an unconditional term thereof, the full
release of Indemnitee from all liability in respect of such Proceeding, which
release shall be in form and substance reasonably satisfactory to Indemnitee.
This Section 12(b)

                                      -6-
<PAGE>

shall not apply to a Proceeding brought by Indemnitee under Section 11 above or
Section 18 below.

      (c) Notwithstanding the provisions of Section 12(b) above, if in a
Proceeding to which Indemnitee is a party by reason of Indemnitee's Corporate
Status, (i) Indemnitee reasonably concludes, based upon an opinion of counsel
approved by the Company, which approval shall not be unreasonably withheld, that
he may have separate defenses or counterclaims to assert with respect to any
issue which may not be consistent with other defendants in such Proceeding, (ii)
Indemnitee reasonably concludes, based upon an opinion of counsel approved by
the Company, which approval shall not be unreasonably withheld, that an actual
or apparent conflict of interest or potential conflict of interest exists
between Indemnitee and the Company, or (iii) if the Company fails to assume the
defense of such Proceeding in a timely manner, Indemnitee shall be entitled to
be represented by separate legal counsel of Indemnitee's choice, subject to the
prior approval of the Company, which shall not be unreasonably withheld, at the
expense of the Company. In addition, if the Company fails to comply with any of
its obligations under this Agreement or in the event that the Company or any
other person takes any action to declare this Agreement void or unenforceable,
or institutes any Proceeding to deny or to recover from Indemnitee the benefits
intended to be provided to Indemnitee hereunder, Indemnitee shall have the right
to retain counsel of Indemnitee's choice, subject to the prior approval of the
Company, which shall not be unreasonably withheld, at the expense of the Company
(subject to Section 11(d)), to represent Indemnitee in connection with any such
matter.

      Section 13. Non-Exclusivity; Survival of Rights; Subrogation; Insurance.

      (a) The rights of indemnification and advance of Expenses as provided by
this Agreement shall not be deemed exclusive of any other rights to which
Indemnitee may at any time be entitled under applicable law, the Charter or
Bylaws of the Company, any agreement or a resolution of the stockholders
entitled to vote generally in the election of directors or of the Board of
Directors, or otherwise. No amendment, alteration or repeal of this Agreement or
of any provision hereof shall limit or restrict any right of Indemnitee under
this Agreement in respect of any action taken or omitted by such Indemnitee in
his Corporate Status prior to such amendment, alteration or repeal.

      (b) In the event of any payment under this Agreement, the Company shall be
subrogated to the extent of such payment to all of the rights of recovery of
Indemnitee, who shall execute all papers required and take all action necessary
to secure such rights, including execution of such documents as are necessary to
enable the Company to bring suit to enforce such rights.

      (c) The Company shall not be liable under this Agreement to make any
payment of amounts otherwise indemnifiable or payable or reimbursable as
Expenses hereunder if and to the extent that Indemnitee has otherwise actually
received such payment under any insurance policy, contract, agreement or
otherwise.

      Section 14. Insurance. The Company will use its reasonable best efforts to
acquire directors and officers liability insurance, on terms and conditions
deemed appropriate by the

                                      -7-
<PAGE>

Board of Directors of the Company, with the advice of counsel, covering
Indemnitee or any claim made against Indemnitee for service as a director or
officer of the Company and covering the Company for any indemnification or
advance of Expenses made by the Company to Indemnitee for any claims made
against Indemnitee for service as a director or officer of the Company. Without
in any way limiting any other obligation under this Agreement, the Company shall
indemnify Indemnitee for any payment by Indemnitee arising out of the amount of
any deductible or retention and the amount of any excess of the aggregate of all
judgments, penalties, fines, settlements and reasonable Expenses actually and
reasonably incurred by Indemnitee in connection with a Proceeding over the
coverage of any insurance referred to in the previous sentence.

      Section 15. Indemnification for Expenses of a Witness. Notwithstanding any
other provision of this Agreement, to the extent that Indemnitee is or may be,
by reason of his Corporate Status, a witness in any Proceeding, whether
instituted by the Company or any other party, and to which Indemnitee is not a
party but in which the Indemnitee receives a subpoena to testify, he shall be
advanced all reasonable Expenses and indemnified against all Expenses actually
and reasonably incurred by him or on his behalf in connection therewith.

      Section 16. Duration of Agreement; Binding Effect.

      (a) This Agreement shall continue until and terminate ten years after the
date that Indemnitee's Corporate Status shall have ceased; provided, that the
rights of Indemnitee hereunder shall continue until the final termination of any
Proceeding then pending in respect of which Indemnitee is granted rights of
indemnification or advance of Expenses hereunder and of any proceeding commenced
by Indemnitee pursuant to Section 11 of this Agreement relating thereto.

      (b) The indemnification and advance of Expenses provided by, or granted
pursuant to, this Agreement shall be binding upon and be enforceable by the
parties hereto and their respective successors and assigns (including any direct
or indirect successor by purchase, merger, consolidation or otherwise to all or
substantially all of the business or assets of the Company), shall continue as
to an Indemnitee who has ceased to be a director, trustee, officer, employee or
agent of the Company or of any other corporation, partnership, joint venture,
trust, employee benefit plan or other enterprise which such person is or was
serving at the written request of the Company, and shall inure to the benefit of
Indemnitee and his spouse, assigns, heirs, devisees, executors and
administrators and other legal representatives.

      (c) The Company shall require and cause any successor (whether direct or
indirect by purchase, merger, consolidation or otherwise) to all, substantially
all or a substantial part, of the business and/or assets of the Company, by
written agreement in form and substance satisfactory to Indemnitee, expressly to
assume and agree to perform this Agreement in the same manner and to the same
extent that the Company would be required to perform if no such succession had
taken place.

      Section 17. Severability. If any provision or provisions of this Agreement
shall be held to be invalid, illegal or unenforceable for any reason whatsoever:
(a) the validity, legality and enforceability of the remaining provisions of
this Agreement (including, without limitation,

                                      -8-
<PAGE>

each portion of any section of this Agreement containing any such provision held
to be invalid, illegal or unenforceable that is not itself invalid, illegal or
unenforceable) shall not in any way be affected or impaired thereby; and (b) to
the fullest extent possible, the provisions of this Agreement (including,
without limitation, each portion of any section of this Agreement containing any
such provision held to be invalid, illegal or unenforceable, that is not itself
invalid, illegal or unenforceable) shall be construed so as to give effect to
the intent manifested thereby.

      Section 18. Exception to Right of Indemnification or Advance of Expenses.
Notwithstanding any other provision of this Agreement, Indemnitee shall not be
entitled to indemnification or advance of Expenses under this Agreement with
respect to any Proceeding brought by Indemnitee, unless (a) the Proceeding is
brought to enforce indemnification under this Agreement, and then only to the
extent in accordance with and as authorized by Sections 8 and 11 of this
Agreement, or (b) the Company's Bylaws, as amended, the Charter, a resolution of
the stockholders entitled to vote generally in the election of directors or of
the Board of Directors or an agreement approved by the Board of Directors to
which the Company is a party expressly provide otherwise.

      Section 19. Identical Counterparts. This Agreement may be executed in one
or more counterparts, each of which shall for all purposes be deemed to be an
original but all of which together shall constitute one and the same Agreement.
One such counterpart signed by the party against whom enforceability is sought
shall be sufficient to evidence the existence of this Agreement.

      Section 20. Headings. The headings of the paragraphs of this Agreement are
inserted for convenience only and shall not be deemed to constitute part of this
Agreement or to affect the construction thereof.

      Section 21. Modification and Waiver. No supplement, modification or
amendment of this Agreement shall be binding unless executed in writing by both
of the parties hereto. No waiver of any of the provisions of this Agreement
shall be deemed or shall constitute a waiver of any other provisions hereof
(whether or not similar) nor shall such waiver constitute a continuing waiver.

      Section 22. Notices. All notices, requests, demands and other
communications hereunder shall be in writing and shall be deemed to have been
duly given if (i) delivered by hand and receipted for by the party to whom said
notice or other communication shall have been directed, or (ii) mailed by
certified or registered mail with postage prepaid, on the third business day
after the date on which it is so mailed:

      (a) If to Indemnitee, to: The address set forth on the signature page
hereto.

                                      -9-
<PAGE>

      (b) If to the Company to:

                  Oak Street Financial Services, Inc.
                  1595 N. Meridian Street
                  Suite 400
                  Carmel, Indiana 40032
                  Attn:  General Counsel

or to such other address as may have been furnished to Indemnitee by the Company
or to the Company by Indemnitee, as the case may be.

      Section 23. Governing Law. The parties agree that this Agreement shall be
governed by, and construed and enforced in accordance with, the laws of the
State of Maryland, without regard to its conflicts of laws rules.

      Section 24. Miscellaneous. Use of the masculine pronoun shall be deemed to
include usage of the feminine pronoun where appropriate.

                            [SIGNATURE PAGE FOLLOWS]

                                      -10-
<PAGE>

      IN WITNESS WHEREOF, the parties hereto have executed this Agreement on the
day and year first above written.

ATTEST:                             OAK STREET FINANCIAL SERVICES, INC.

_________________________           By:  ___________________________ (SEAL)
                                    Name:
                                    Title:

WITNESS:                            INDEMNITEE

__________________________          ______________________________________
                                    Name:
                                    Address:

                                      -11-
<PAGE>

                                                                   EXHIBIT 10.21

                                    EXHIBIT A

                 FORM OF UNDERTAKING TO REPAY EXPENSES ADVANCED

The Board of Directors of Oak Street Financial Services, Inc.

Re:  Undertaking to Repay Expenses Advanced

Ladies and Gentlemen:

      This undertaking is being provided pursuant to that certain
Indemnification Agreement dated the ___ day of ______________, 200__, by and
between Oak Street Financial Services, Inc. (the "Company") and the undersigned
Indemnitee (the "Indemnification Agreement"), pursuant to which I am entitled to
advance of expenses in connection with [DESCRIPTION OF PROCEEDING] (the
"Proceeding").

      Terms used herein and not otherwise defined shall have the meanings
specified in the Indemnification Agreement.

      I am subject to the Proceeding by reason of my Corporate Status or by
reason of alleged actions or omissions by me in such capacity. I hereby affirm
that at all times, insofar as I was involved as a director of the Company, in
any of the facts or events giving rise to the Proceeding, I (1) acted in good
faith and honestly, (2) did not receive any improper personal benefit in money,
property or services and (3) in the case of any criminal proceeding, had no
reasonable cause to believe that any act or omission by me was unlawful.

      In consideration of the advance of Expenses by the Company for reasonable
attorneys' fees and related expenses incurred by me in connection with the
Proceeding (the "Advanced Expenses"), I hereby agree that if, in connection with
the Proceeding, it is established that (1) an act or omission by me was material
to the matter giving rise to the Proceeding and (a) was committed in bad faith
or (b) was the result of active and deliberate dishonesty or (2) I actually
received an improper personal benefit in money, property or services or (3) in
the case of any criminal proceeding, I had reasonable cause to believe that the
act or omission was unlawful, then I shall promptly reimburse the portion of the
Advanced Expenses relating to the claims, issues or matters in the Proceeding as
to which the foregoing findings have been established and which have not been
successfully resolved as described in Section 7 of the Indemnification
Agreement. To the extent that Advanced Expenses do not relate to a specific
claim, issue or matter in the Proceeding, I agree that such Expenses shall be
allocated on a reasonable and proportionate basis.

      IN WITNESS WHEREOF, I have executed this Affirmation and Undertaking on
this ___ day of ____________________, 200__.

WITNESS:

____________________________                 _____________________________(SEAL)

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