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                                                                   EXHIBIT 10.28

                               SUBLEASE AGREEMENT

                                 BY AND BETWEEN

                         HARZA ENGINEERING COMPANY, INC.

                                    SUBLESSOR

                                       AND

                                    SPSS INC.

                                    SUBLESSEE

                          DATED AS OF JANUARY 12, 2000

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                               SUBLEASE AGREEMENT

     THIS SUBLEASE AGREEMENT (this "Sublease"), made and entered into this 14th
day of January, 2000, between HARZA ENGINEERING COMPANY, INC., a Delaware
corporation ("Sublessor"), and SPSS INC., a Delaware corporation ("Sublessee").

                                    RECITALS

     WHEREAS, Sublessor and ST HOLDINGS, INC., a Delaware corporation ("Lessor")
entered into a Lease dated as of January 14, 1991 (the "Lease"), a copy of which
is attached hereto as Exhibit A; and

     WHEREAS, the Lease demises the Demised Premises (as defined below) and
other office space (herein collectively the "Lease Premises") to Sublessor; and

     WHEREAS, Sublessor desires to sublet the Demised Premises described herein
to Sublessee on the terms and conditions hereinafter set forth;

     NOW, THEREFORE, in consideration of the mutual covenants contained herein,
the parties hereto agree as follows:

                                    ARTICLE I

                                  DEFINED TERMS

     Terms that are defined in the Lease have the same meaning in this Sublease
unless the context clearly indicates that a different meaning is intended.

                                   ARTICLE II

                                DEMISED PREMISES

     Section 2.1. Demise. Sublessor hereby subleases to Sublessee, and Sublessee
hereby subleases from Sublessor, on all of the terms and conditions set forth
herein, the premises (the "Demised Premises") containing 41,577 net rentable
square feet of office space designated on the plan attached hereto as Exhibit B
and located on the ninth and tenth floors of the building (the "Building") known
as the Sears Tower, 233 South Wacker Drive, in the City of Chicago, Illinois.
The Demised Premises shall be divided into two portions, the portion on the
ninth floor equal to 16,479 net rentable square feet and the portion on the
tenth floor equal to 25,098 net rentable square feet, for purposes of the timing
of Sublessee's taking occupancy as described in the following Article IV.

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     Section 2.2. Lease; Warranty by Sublessor. Sublessor represents and
warrants to Sublessee that the Lease is in full force and effect and has not
been amended or modified except as expressly set forth therein, that Sublessor
is not in default or breach of any of the provisions of the Lease, and that, to
Sublessor's knowledge, Lessor is not in default or breach of any of the
provisions of the Lease.

                                   ARTICLE III

                            TERM OF LEASE; POSSESSION

     Section 3.1. Term. The term of this Sublease (the "Sublease Term") shall
begin for the tenth floor portion of the Demised Premises (the "Tenth Floor") on
the date that Sublessor notifies Sublessee that Sublessor has vacated possession
of the Tenth Floor (the "Commencement Date"), which shall occur no later than
July 1, 2000, and shall end on June 30, 2006.

If the Commencement Date for the Tenth Floor has not occurred by the following
dates through no fault of Sublessee, Sublessor will have no liability of any
kind whatsoever to Sublessee for any such delay, except that Sublessee will be
given abatement of Base Rent and Rent Adjustments for the Tenth Floor as
follows:

               (i)   After July 1, 2000, two days of such abatement for each
                     day of delay;

               (ii)  After August 1, 2000, three days of such abatement for
                     each day of delay; and

               (iii) After September 1, 2000, four days of such abatement for
                     each day of delay.

If the Commencement Date for the Tenth Floor has not occurred by September 30,
2000 through no fault of Sublessee, Sublessee will have the right and option to
terminate this Sublease by giving written notice to Sublessor at least ten (10)
days prior to the effective date of such termination. If Sublessor then tenders
possession of the Tenth Floor prior to the date selected by Sublessee for such
termination, Sublessee's termination will be null and void, and the Commencement
Date will occur on the date Sublessor tenders possession of the Tenth Floor. If
Sublessor does not tender possession prior to the date selected and specified in
Sublessee's notice, this Sublease will terminate as of said date, and neither
party will have any further obligations to the other. Sublessor agrees to advise
Sublessee from time to time as to the status of the Sublessor's anticipated date
of vacation of the Tenth Floor, but no such advice or discussion shall ever
constitute a representation or warranty of any kind, or a basis of any liability
on the part of Sublessor to Sublessee.

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     The Commencement Date for the ninth floor portion of the Demised Premises
(the "Ninth Floor") will occur on the first anniversary of the Commencement Date
for the Tenth Floor, and the Sublease Term for the Ninth Floor will also end on
June 30, 2006. If the Commencement Date for the Ninth Floor and the delivery of
possession of said premises by Sublessor to Sublessee has not occurred by the
following dates through no fault of Sublessee, Sublessor will have no liability
of any kind whatsoever to Sublessee for any such delay, except that Sublessee
will be given abatement of Base Rent and Rent Adjustments for the Ninth Floor as
follows:

               (i)   After the first anniversary of the Commencement Date for
                     the Tenth Floor, two days of such abatement for each day
                     of delay for the first thirty (30) days of delay;

               (ii)  If there is further delay, three days of such abatement
                     for each day of delay for the next thirty (30) days of
                     delay; and

               (iii) If there is further delay, four days of such abatement for
                     each day of delay thereafter.

If the Commencement Date for the Ninth Floor has not occurred within ninety (90)
days after the first anniversary of the Commencement Date for the Tenth Floor
through no fault of Sublessee, Sublessee will have the right and option to
terminate this Sublease for the Ninth Floor by giving written notice to
Sublessor at least ten (10) days prior to the effective date of such
termination. If Sublessor then tenders possession of the Ninth Floor prior to
the date selected by Sublessee for such termination, Sublessee's termination
will be null and void, and the Commencement Date for the Ninth Floor will occur
on the date Sublessor tenders possession of the Ninth Floor. If Sublessor does
not tender possession prior to the date selected and specified in Sublessee's
notice, this Sublease for the Ninth Floor only will terminate as of said date,
and neither party will have any further obligations to the other.

         Section 3.2. Condition of Demised Premises. Sublessee acknowledges that
it has inspected, and is fully satisfied with the physical condition of, the
Demised Premises. Neither Sublessor nor any of its representatives has made any
warranties or representations as to the physical condition of either portion of
the Demised Premises upon which Sublessee relies. Each portion of the Demised
Premises shall be delivered to Sublessee vacant and broom clean, and in
substantially the same condition as existed as of the date hereof, ordinary wear
and tear excepted.

     Section 3.3. Possession. Sublessor shall deliver possession of the Tenth
Floor and Ninth Floor to Sublessee on the Commencement Date for each floor as
described in Section 3.1 above.

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                                   ARTICLE IV

                                      RENT

     Sublessee shall pay rent to Sublessor, at any place or places Sublessor
directs from time to time by written notice to Sublessee, in the following
amounts and at the following rates and times.

     Section 4.1. Base Rent. Annual Base rent shall be paid during the term of
the Lease computed by multiplying the net rentable square feet of the Demised
Premises then being subleased to Sublessee by $12.10 prior to July 1, 2001, and
by $16.00 from and after July 1, 2001, payable monthly in equal monthly
installments in advance on the first (1st) day of each calendar month (in
respect of such month) during the term of this Sublease (and pro rata for the
fraction of any month).

     Section 4.2. Additional Rent. Sublessee shall pay to Sublessor, as
additional rent hereunder ("Additional Rent"), all amounts payable by the tenant
under the Lease and denominated as "Additional Rent" thereunder, including
without limitation the amounts required to be paid by the tenant under the Lease
pursuant to Section 3 thereof (such amounts referred to therein and herein as
"Rent Adjustments"). Sublessor shall advise Sublessee of the amount of any Rent
Adjustments then in effect for the Demised Premises.

                                    ARTICLE V

                            COMPLIANCE WITH THE LEASE

     Section 5.1. Use of Demised Premises. The Demised Premises shall be used by
Sublessee solely and exclusively for the purposes permitted by the Lease.
Sublessor further agrees that the Demised Premises may be used for customer
training and other uses incidental to Sublessee's general office use if Lessor
confirms in the Consent of Lessor attached hereto that such use is permitted.

         Section 5.2. Compliance by Sublessee. Sublessee agrees to comply with
and be bound by the provisions of the Lease, except the following provisions
will not be applicable to Sublessee: (i) the provisions for the payment of Base
Rent (which instead shall be payable as provided in Section 4.1 hereof), (ii)
any option to extend or renew the term of the Lease (including without
limitation the option to extend set forth in Section 32 of the Lease), any
option to expand the Demised Premises (including without limitation the
expansion rights in Section 31 of the Lease or the rights of first offer set
forth in Section 33 of the Lease), none of which options may be exercised by
Sublessee, and the provisions of Section 30 of the Lease providing for the
contraction of the Sublessor's premises, and (iii) the provisions of Section 34
regarding special improvements, except to the extent incorporated into the
provisions of Sections 9.2, 14.9 and 14.10 hereof, and (iv) all provisions
identifying, or purporting to identify, the parties who have acted as brokers in
connection with the Lease (which shall instead be as set forth in Section 14.6
below). All of the other provisions of the Lease are hereby incorporated as
additional terms and

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covenants of this Sublease as if they were recited herein. Sublessee shall have
all the rights, duties and obligations of the tenant under the Lease in respect
of the Demised Premises, and Sublessor shall have all of the rights, privileges
and remedies of landlord under the Lease. To the extent that Lessor has reserved
the power to consent to or object to an action to be performed by Sublessor, as
tenant under the Lease, Sublessor reserves the same right to consent to or
object to such action by Sublessee under this Sublease, provided Sublessor shall
not unreasonably withhold or delay such consent. Notwithstanding the above, if
any of the terms of the Lease are inconsistent with any terms of this Sublease,
the terms of this Sublease shall control. Sublessee covenants, agrees and
warrants that it will not take any actions which violate the terms and covenants
to be observed by the tenant under the Lease or which result, or with the giving
of notice or the passage of time would result, in a breach of the Lease.
Sublessor may, but shall be under no obligation to, upon prior notice to
Sublessee (except in the case of an emergency, in which case Sublessor shall
deliver notice to Sublessee as promptly as practicable), make any payment,
perform any act and take any and all such actions as Sublessor in its reasonable
discretion deems necessary or appropriate to cure any failure on the part of
Sublessee to do the same as required under the Lease. Any costs or expenses
incurred by Sublessor in remedying any such failure by Sublessee shall be paid
to Sublessor immediately by Sublessee upon demand, and shall be recoverable by
Sublessor as Additional Rent under this Sublease. Sublessee agrees to indemnify
and hold Sublessor harmless from any and all damages, losses, costs and
expenses, including reasonable attorneys' fees, incurred by or imposed on
Sublessor as a result of the nonperformance or nonobservance of any terms and
covenants of the Lease or this Sublease by Sublessee. Whenever the provisions of
the Lease provide for the consent or approval of the Lessor, Sublessee shall
obtain the consent of both the Lessor and Sublessor before proceeding with the
act or other matter for which such consent or approval is required, provided
Sublessor shall not unreasonably withhold or delay its consent.

     Section 5.3. Enforcement of Lessor's Obligations. Sublessor shall have no
obligation to perform any obligations of Lessor under the Lease in respect of
the Demised Premises, but Sublessor agrees to cooperate with Sublessee to
enforce any rights, privileges or remedies available to Sublessor as tenant
under the Lease, so long as Sublessee reimburses Sublessor for any and all costs
and expenses, including reasonable attorneys' fees, incurred by Sublessor in
enforcing any such rights, privileges or remedies. If Sublessor fails to take
appropriate action in accordance with the foregoing in order to enforce the
rights, privileges and remedies of tenant under the Lease, Sublessee shall, to
the extent necessary, have the right and authority to take any such action at
its own expense in the name of and behalf of Sublessor.

     Section 5.4. Performance by Sublessor; Quiet Enjoyment. Sublessor covenants
and agrees that it will pay all rent and other charges due and payable under the
Lease with respect to the entire Lease Premises as and when the same shall
become due and payable, subject to Sublessor's rights and remedies under the
Lease, and that Sublessor will observe and perform all other obligations
required to be observed or performed by Sublessor under the Leasefor the portion
of the Lease Premises occupied by Sublessor, and that, subject to Sublessee's
performance of its obligations under this Sublease, Sublessor will maintain the
Lease in full force and effect and in good standing in respect of the Demised
Premises..

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     Sublessor further covenants and agrees that Sublessee, upon paying the rent
and the charges provided for herein and upon observing and performing all other
terms, covenants, conditions and agreements contained herein, shall during the
Sublease Term peaceably and quietly have, hold and enjoy the Demised Premises
subject to the terms, covenants, conditions and agreements hereof free from any
hindrance by Sublessor or any person claiming by, through or under Sublessor.

                                   ARTICLE VI

                                    INSURANCE

     Sublessee shall maintain at its sole cost throughout the Sublease Term
hereof policies of insurance issued by major, reputable insurance companies
approved by Sublessor, in its reasonable discretion, with coverages, in amounts
and naming Sublessor and other parties as insureds, all as required by the terms
of the Lease. All such policies shall not be cancelable except upon ten (10)
days prior written notice to Sublessor. Subject to the terms of the Lease,
Sublessor hereby agrees that the insurance maintained by Sublessee in respect of
its other subleased premises on the eleventh and twelfth floors shall be
satisfactory to Sublessor if the same is satisfactory to Lessor.

                                   ARTICLE VII

                            ASSIGNMENT AND SUBLEASING

     Sublessee shall not assign this Sublease, or sublet the Demised Premises,
or any part thereof, without the prior written consent of Sublessor and Lessor,
which consent by Sublessor shall not be unreasonably withheld. This Sublease
shall not be assigned by operation of law. Any assignment, conveyance,
subletting, mortgaging or other transfer by Sublessee of any interest in this
Sublease or the Demised Premises shall be otherwise governed by the terms of the
Lease. If consent is once given by Sublessor to the assignment of this Sublease
or sublease of the Demised Premises or any part thereof, Sublessor shall not be
barred from subsequently refusing to consent to any subsequent assignment or
sublease. Any attempt to assign or sublet without the express written consent of
Sublessor and Lessor shall confer no rights of any kind upon the putative
assignee or sublessee, and shall be deemed a default by Sublessee hereunder.
Notwithstanding the foregoing, Sublessee may, upon delivery of written notice to
Sublessor and subject to the prior written consent of Lessor in accordance with
the terms and provisions of the Lease, assign this Sublease in whole or in part
or sublet or license all or any portion of the Demised Premises to any entity to
which substantially all of the assets, stock or business of Sublessee is
transferred or with which Sublessee is merged or consolidated or to any
affiliate controlling, controlled by or under common control with Sublessee;
provided that Sublessee delivers to Sublessor prior written notice of the name
of any successor company and a copy of the Lessor's consent to such transfer of
this Sublease, and any other documentation reasonably requested by Sublessor,
including a copy of the assignment or sublease document, and provided further in
the case of any assignment or sublease to an affiliate, Sublessee shall remain
fully liable under this Sublease.

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                                  ARTICLE VIII

                          ALTERATIONS AND IMPROVEMENTS

Sublessee acknowledges that it is taking possession of the Demised Premises in
its `as-is" condition at the time Sublessor transfers possession to Sublessee,
and there is no obligation on the part of Sublessor to make any alterations or
improvements to the Demised Premises. No tenant alterations or improvements that
are necessary or are desired by Sublessee will be installed and constructed
during the Sublease Term without the prior written consent of Sublessor and
Lessor in each instance and without complying with the provisions of Section 8
and other applicable provisions of the Lease, provided Sublessor shall not
unreasonably withhold or delay its consent. Sublessee also acknowledges that a
demising wall will be required to be installed between the Demised Premises and
the remainder of the office space on the tenth floor of the Building. This
demising wall will be installed at the cost and expense of Ernst & Young LLP
(E&Y), who will be subleasing the remainder of the tenth floor from Sublessor.
Further, E&Y and Sublessee have indicated their intent to extend the elevator
service currently serving the 11th through 17th floor to service the 10th floor
of the Building. Sublessee acknowledges and agrees that Sublessor has no
obligation to pay any costs or expenses associated with such elevator work, and
Sublessee and E&Y will share such cost as they may agree in a separate
agreement. Sublessor shall have no obligation to provide any tenant improvements
to the Demises Premises other than are already in place. At the expiration of
the Sublease Term, Sublessee shall comply with the terms of the Lease in
connection with the condition in which the Demised Premises are to be returned
to Lessor.

                                   ARTICLE IX

                           LESSOR'S SERVICES; SIGNAGE

     Section 9.1. Building Services. Sublessee shall look solely and directly to
Lessor for the building services provided for in the Lease. Failure on the part
of Lessor to provide these services shall not be a default by Sublessor of its
obligations under this Sublease. However, in the event that any act, omission,
or failure by Lessor in connection with the furnishing of such services results
in any loss, cost, damage, or expense to Sublessee, Sublessor will cooperate
with Sublessee in attempting to obtain reimbursement from Lessor for such loss,
cost, damage and expense, with any costs incurred by Sublessor being paid by
Sublessee.

     Section 9.2. Signs. Sublessee may erect, maintain, place, and install signs
in the Demised Premises and in the elevator lobby areas on the ninth and tenth
floors in the manner and to the extent permitted by the Lease.

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                                    ARTICLE X

                                     DEFAULT

     Section 10.1. Default. All of the following events shall be deemed an Event
of Default hereunder:

          (a) failure of Sublessee to pay the Base Rent, Additional Rent or
     other sums due hereunder as and when the same shall be due and payable and
     the continuance of such failure for five (5) days after written notice
     thereof from Sublessor;

          (b) failure of Sublessee to perform any of the obligations required to
     be performed on its part in this Sublease or the Lease and the continuance
     of such failure for thirty (30) days after written notice thereof from
     Sublessor; provided that no Event of Default shall exist hereunder if such
     default or failure by its nature cannot be cured within thirty (30) days by
     reasonable effort and if Sublessee commences to cure such default or
     failure within said thirty (30) day period and thereafter diligently
     pursues such cure and completes such cure within one hundred twenty (120)
     days after the initial written notice from Sublessor;

          (c) the existence of a hazardous condition and the failure to cure the
     same promptly upon written notice to Sublessee;

          (d) any voluntary petition or similar pleading under any bankruptcy
     act or under any Federal or State law seeking reorganization or arrangement
     with creditors or adjustment of debts, is filed by or against Sublessee, or
     if any such petition or pleading is involuntary, and it is not adjudicated
     favorably to Sublessee within sixty (60) days after its filing;

          (e) Sublessee admits its inability to pay its debts, or if a receiver,
     trustee or other court appointee is appointed for all or a substantial part
     of Sublessee's property;

          (f) Sublessee makes an assignment for the benefit of creditors, or if
     any proceedings are filed by or against Sublessee to declare Sublessee
     insolvent or unable to meet its debts;

          (g) a receiver or similar type of appointment of court appointee or
     nominee of any name or character is made for Sublessee or its property;

          (h) Sublessee assigns or subleases its interest herein contrary to the
     provisions of Article VII hereof; or

          (i) an event of default (after the expiration of any applicable cure
     period) has occurred under the Lease due to the acts or omissions of
     Sublessee.

     Section 10.2. Remedies. If an Event of Default occurs, Sublessor may
exercise any one or more of the following rights and remedies in addition to any
other rights and remedies at law or in equity:

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          (a) terminate this Sublease and the Sublease Term created hereby, and
     Sublessee's right to possession of the Demised Premises; or

          (b) without terminating this Sublease, terminate Sublessee's right to
     possession of the Demised Premises and repossess the Demised Premises by
     forcible entry and detainer suit, by taking peaceful possession or
     otherwise.

Upon any termination of this Sublease, Sublessee shall surrender possession and
vacate the Demised Premises immediately and deliver possession thereof to
Sublessor and hereby grants to Sublessor full and free license to reenter the
Demised Premises, or any part thereof, and retake possession thereof, with or
without process of law, and to remove Sublessee and any others who may be
occupying or within the Demised Premises and to remove any and all property
therefrom, using such force as may be necessary, without being deemed in any
manner guilty of trespass, eviction, forcible entry or detainer or conversion of
property, and without relinquishing Sublessor's rights to Base Rent, Additional
Rent or any other right given to Sublessor hereunder or by operation of law.

If Sublessor shall terminate Sublessee's right of possession without terminating
this Sublease, the obligation of Sublessee to pay all amounts due hereunder
during the full Sublease Term shall not be deemed to be waived, released or
terminated and Sublessee shall continue to be obligated to pay to Sublessor all
Base Rent, Additional Rent and all amounts due hereunder specified in this
Sublease for the balance of the Sublease Term plus any other sums then due
Sublessor hereunder. Upon and after entry into possession without termination of
this Sublease, Sublessor may, at its discretion, either itself occupy the whole
or any part of the Demised Premises or use reasonable efforts to relet same upon
such terms and conditions and for such rent as Sublessor may in its discretion
deem proper. In such case, Sublessor may make such repairs, alterations and
additions in or to the Demised Premises, and redecorate the same to the extent
deemed by Sublessor necessary and desirable, and Sublessee shall, upon demand,
pay the cost thereof, together with Sublessor's expenses of reletting. Upon each
such reletting, all rentals and other sums received by Sublessor from such
reletting shall be applied as follows: first, to the payment of any indebtedness
other than Base Rent and Additional Rent due hereunder from Sublessee to
Sublessor; second, to the payment of any costs and expenses of such reletting,
including brokerage fees and attorney's fees, and of costs of such alterations
and repairs; third, to the payment of Base Rent, Additional Rent and other
charges due and unpaid hereunder; and the residue, if any, shall be retained by
Sublessor. Sublessee shall not be entitled to any rents received by Sublessor in
excess of the rent provided for this Sublease. If such rentals and other sums
received from such reletting during any month be less than that to be paid
during that month by Sublessee hereunder, Sublessee shall pay such deficiency to
Sublessor. Such deficiency shall be calculated and paid monthly. No such
re-entry or taking possession of the Demised Premises by Sublessor shall be
construed as an election on its part to terminate this Sublease unless a written
notice of such intention be given to Sublessee or unless the termination thereof
be decreed by a court of competent jurisdiction. Notwithstanding any such
reletting without termination, Sublessor may at any time thereafter elect to
terminate this Sublease.

Should Sublessor at any time terminate this Sublease for any default, in
addition to any other remedies it may have, it may recover from Sublessee all
damages it may incur by reason of such default, including the cost of recovering
the Demised Premises, the cost of repairs, remodeling and alterations

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necessary to relet the Demised Premises, attorneys' fees, any other sum of money
and damages due and to become due to Sublessor from Sublessee, all of which
amounts shall be immediately due and payable from Sublessee to Sublessor.

In the event of any entry and taking possession of the Demised Premises,
Sublessor may, at its option, remove therefrom all or any personal property
located therein and may place the same in storage at a commercial warehouse for
the account of, and at the risk and expense of, Sublessee and/or the owner or
owners thereof, but Sublessor shall in no event be liable to Sublessee for any
damage hereto.

     Section 10.3. Costs and Expenses. In case suit shall be brought by
Sublessor for recovery of possession of the Demised Premises, for the recovery
of rent, or any other amount due under the provisions of this Sublease, or in
the event suit shall be brought by either Sublessor or Sublessee because of the
breach of any other covenant or agreement contained herein, the non-prevailing
party shall pay to the prevailing party, upon demand, all expenses incurred
therefor, including attorneys' fees.

                                   ARTICLE XI

                             DAMAGE OR CONDEMNATION

     Section 11.1 Termination. If Lessor or Sublessor elect to terminate the
Lease after an event of casualty or condemnation as provided in the Lease, this
Sublease will be terminated at the same time. Sublessee will have no claim
against Sublessor or otherwise by reason of such termination, and Sublessee will
have no interest in any insurance proceeds other than from its own policies or
any condemnation award.

     Section 11.2 Non-Termination. If a casualty or condemnation occurs and
Lessor and Sublessor do not elect to terminate the Lease, this Sublease will
remain in full force and effect, and neither Sublessor nor Sublessee will have
the right to terminate this Sublease by reason of such casualty or condemnation.
Sublessee will be entitled to any abatement of rent to the extent an abatement
is provided to Sublessor on account of a casualty or condemnation.

                                   ARTICLE XII

                         WAIVER OF CLAIMS AND INDEMNITY

     Section 12.1. Waiver. To the extent not expressly prohibited by law,
Sublessee hereby releases and waives all claims against Sublessor, its agents,
employees and servants, for injury or damage to person, property or business
sustained in or about the Demised Premises by Sublessee, its agents, employees
or servants, other than by reason of the negligence or willfulness of Sublessor
or its agents, employees or servants.

     Section 12.2. Indemnity. Sublessee hereby indemnifies and holds harmless
Sublessor, its agents, employees and servants, against any and all claims,
demands, costs and expenses of every kind

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and nature, including attorneys' fees, arising from Sublessee's occupancy of the
Demised Premises or from any breach or default on the part of Sublessee in the
performance of any agreement of Sublessee to be performed pursuant to the terms
of this Sublease, or from any act or neglect of Sublessee, its respective
employees, agents, guests, servants, invitees or customers in or about the
Demised Premises. In case any such proceeding is brought by any of said persons,
Sublessee covenants, at the request of Sublessor, to defend such proceeding, at
its sole cost and expense, by legal counsel reasonably satisfactory to
Sublessor.

     Sublessor hereby indemnifies and holds harmless Sublessee, its agents,
employees and servants, against any and all claims, demands, costs and expenses
of every kind and nature, including attorneys' fees, arising from any breach or
default on the part of Sublessor in the performance of any agreement of
Sublessor to be performed pursuant to the terms of this Sublease, or from any
act or neglect of Sublessor, its respective employees, agents, guests, servants,
invitees or customers in respect of the Demised Premises. In case any such
proceeding is brought by any of said persons, Sublessor covenants, at the
request of Sublessee, to defend such proceeding, at its sole costs and expense,
by legal counsel reasonably satisfactory to Sublessee.

     Section 12.3. Damages from Certain Causes. Sublessor shall not be liable or
responsible to Sublessee for any loss or damage to any property or person
occasioned by theft, fire, act of God, public enemy, injunction, riot, strike,
insurrection, war, court order, requisition or order of governmental body or
authority, or for any damage or inconvenience which may arise through repair or
alteration of any part of the Demised Premises, or failure to make any such
repairs.

                                  ARTICLE XIII

                               ACCESS TO PREMISES

     Sublessor shall have the right to enter the Demised Premises during
ordinary business hours for the purpose of observing the condition of the
Demised Premises, provided that Sublessor shall give Sublessee reasonable prior
notice of any such entry and Sublessee shall have the right to require that a
representative of Sublessee accompany any representative of Sublessor during any
such visit to the Demised Premises. Such visits to the Premises by the Sublessor
shall be conducted so as to avoid to the extent reasonably possible any
interference with the business of Sublessee. Sublessee will permit Lessor and
the agents of Lessor to enter the Demised Premises at all times provided under
the Lease.

                                   ARTICLE XIV

                            MISCELLANEOUS PROVISIONS

     Section 14.1. Notices. All notices, consents and other communications
required or permitted hereunder shall be in writing and shall be mailed, hand
delivered, or sent by overnight courier service, to Sublessee or Sublessor as
follows:

                                       11

<PAGE>   13

     If to Sublessor: Harza Engineering Company, Inc.

     If to Sublessee:  SPSS Inc.
                       233 South Wacker Drive
                       Sears Tower, 11th Floor
                       Chicago, Illinois  60606-6307
                       Attn:   Terrence Schohn
                               Senior Director, Corporate Administration

or to such additional or other persons, at such other address or addresses as
may be designated by notice from Sublessor or Sublessee, as the case may be, to
the other. Notices by mail shall be sent by United States certified or
registered mail, return receipt requested, postage prepaid. Notices by mail
shall be deemed given and effective three business days following posting in the
United States mails. Notices by hand delivery shall be deemed given and
effective upon the delivery thereof. Notices by overnight courier shall be
deemed given and effective on the first business day following the delivery
thereof to the courier service.

     Section 14.2. Partial Validity. If any term or provision of this Sublease
or its application to any person or circumstance is, to any extent, invalid or
unenforceable, the remainder of the Sublease or of the application to other
persons or circumstances shall not be affected thereby, and each term and
provision shall be valid and enforced to the fullest extent permitted by law.

     Section 14.3. Headings. The headings in this Sublease are for convenience
and reference only. They are not a part of this Sublease and do not in any way
limit or amplify its terms and provisions.

     Section 14.4. Entire Agreement. This instrument contains the entire and
only agreement between the parties respecting its subject matter. No oral
statements or representations, or prior written matter not contained herein,
shall have any fore or effect. This instrument shall not be modified in any way
except by the parties' written agreement.

     Section 14.5. Waiver of Trial by Jury. Sublessor and Sublessee each hereby
waive trial by jury in any action, proceeding, or counterclaim brought by one
against the other, or any matters arising out of or in any way connected with
this Sublease, the relationship of Sublessor and Sublessee, Sublessee's use or
occupancy of the Demised Premises, or any claim of injury or damage.

     Section 14.6. Brokers. Each of Sublessor and Sublessee warrants to the
other that except for Grubb & Ellis, for Sublessor, no broker negotiated or
participated in the negotiations of this Sublease or is entitled to any
commission in connection herewith. Sublessee agrees to indemnify

                                       12

<PAGE>   14

and hold Sublessor harmless from any claim for brokerage commission by any other
broker who claims to have represented Sublessee in connection with this
Sublease.

     Section 14.7. Conditions to Effectiveness of Sublease. The effectiveness of
this Sublease is subject to and requires the fulfillment of the following
conditions:

     (a) Obtaining the consent of Lessor to this sublease transaction prior to
March 1, 2000, in the form of Lessor's Consent attached hereto, or if Lessor
will not give its consent in such form, then in such form as Lessor, Sublessor
and Sublessee shall reasonably agree. Immediately upon the execution hereof,
Sublessor will submit Lessor's Consent and this Sublease to Lessor for execution
and consent; and

     (b) That Sublessor enter into a lease for space in another building for the
relocation of its headquarters offices from the Building by March 1, 2000; and

     (c) That Lessor waives its right to terminate the Lease for the Demised
Premises and recapture the space as provided in the Lease. Sublessor gave notice
to Lessor on December 20, 1999, as required under the Lease to commence the time
for Lessor to give its response for the exercise of this right and which right
if not exercised within thirty (30) days as required under Section 15.E of the
Lease, will expire with respect to this Sublease; and

     (d) That Sublessor enter into a sublease with Ernst & Young LLP ("E&Y") for
the portion of the tenth floor of the Building not included in the Demised
Premises.

If any of the above conditions (a), (c) or (d) are not fulfilled within the time
period specified above, then either party will have the right to terminate this
Sublease by giving written notice to the other prior to the time that such
condition has been fulfilled, and neither party will have any further liability
to the other on account of such termination. If condition (b) is not fulfilled
within the time period specified, then Sublessor, and only Sublessor, will have
the option of terminating this Sublease, provided Sublessor may exercise such
termination option only by delivery of notice to Sublessee not later than March
15, 2000. If so exercised, neither party will have any further liability to the
other on account of such termination.

     Section 14.8. Mutual Delivery of Notices. Sublessor and Sublessee will
deliver to each other true, correct and complete copies of any notices, demands,
communications or other documents received from or given by them to Lessor from
and after the Commencement Date relating to the Demised Premises.

     Section 14.9. Stairwells. Sublessee shall have the right, subject to and in
accordance with the terms of the Lease, to use the existing Building stairwells
located at the northeast, southeast and southwest corners of the Building for
internal circulation between the ninth and tenth floors (and also for the
benefit of Sublessee's other subleased premises on the eleventh and twelfth
floors). Sublessee shall also have the right, at its cost and expense, to
install a key card or similar access system reasonably acceptable to Lessor and
Sublessor on the stairwell side of each door leading from such stairwells into
the Demised Premises.

                                       13

<PAGE>   15

     Section 14.10. Rooftop Communications Equipment. Sublessor hereby grants
and assigns to Sublessee all of Sublessor's rights under Section 34.D of the
Lease to install a microwave antenna on the roof of the Building. Any such
installation shall be at the sole cost and expense of Sublessee, and Sublessee
shall be responsible for paying any and all rental and other charges payable to
Lessor in respect of any such antenna installed by Sublessee.

     Section 14.11. Estoppel Certificates. Sublessee agrees that from time to
time (but not more frequently than twice each year and also in connection with
any sale, assignment or financing by Sublessor), upon not less than fifteen (15)
days prior written request by Sublessor, to deliver to Sublessor an estoppel
certificate in the form prescribed by Section 18 of the Lease, which certificate
may be for the benefit of both Sublessor and Lessor.

     Sublessor agrees that from time to time (but not more frequently than twice
each year and also in connection with any sale, assignment, sublease or
financing by Sublessee), upon not less than fifteen (15) days prior written
request by Sublessee, Sublessor shall deliver to Sublessee an estoppel
certificate in writing certifying (a) that this Sublease is unmodified and in
full force and effect (or if there have been modifications that the Sublease, as
modified, is in full force and effect); (b) the dates to which the rent and
other sums payable under this Sublease have been paid; (c) that, to Sublessor's
knowledge, neither Sublessor nor Sublessee is in default under any provision of
this Sublease, or, if in default, the nature thereof in reasonable detail; and
(d) such other matters reasonably requested by Sublessee.

     14.12. Renewal Option. Sublessor hereby agrees, at the request of
Sublessee, to exercise Sublessor's option to renew the Lease for the five-year
Renewal Option provided by Section 32 of the Lease, and in connection therewith
to renew the Sublease Term ("Sublease Renewal Option") for a corresponding
five-year extended term ("Sublease Extended Term") subject to and in accordance
with the terms of this section 14.12. If Sublessee desires to exercise the
Sublease Renewal Option, Sublessee shall so notify Sublessor in writing not
later than the first day of the 25th month preceding the then current expiration
of the Sublease Term; and such notice shall be effective only if: (i) Sublessee
is not in default under the terms hereof, (ii) E & Y validly exercises a
corresponding renewal option to extend the term of its sublease with Sublessor
(or, if E & Y fails to exercise such renewal option, Sublessee commits to
sublease E & Y's space for the Sublease Extended Term), and (iii) either the
entire 9th floor of the Building is then subleased to Sublessee and/or E & Y, or
Sublessee and/or E & Y commit in writing to sublease, effective as of the
commencement of the Sublease Extended Term, the balance of the 9th floor not
then under sublease to them. The Sublease Extended Term shall be on all of the
same terms and conditions hereunder as applicable to the initial Sublease Term
except that the Base Rent during the Sublease Extended Term shall be the "Market
Rent" as determined in accordance with Section 32 of the Lease; and Sublessor
and Sublessee agree to cooperate with each other in dealing with Lessor with
respect to the determination of the Market Rent pursuant to the terms of the
Lease. If the Sublease Renewal Option is exercised in accordance with the
foregoing, Sublessor and Sublessee shall enter into a Sublease Amendment
incorporating such extension at the same time that Sublessor enters into an
amendment to the Lease with Lessor for the Extended Term under the Lease.
Sublessee shall pay an allocable share based on the ratio of space being sublet
by

                                       14

<PAGE>   16

Sublessee and E & Y of any and all reasonable costs and expenses incurred by
Sublessor in connection with such renewal.

     14.13. First Refusal Right. Sublessor hereby grants to Sublessee, in
accordance with the terms of this Section 14.13, a right of first refusal to
sublease any space on the 9th floor of the Building that Sublessor desires to
sublease to any third party at any time during the Sublease Term. If Sublessor
makes or receives a definitive offer to sublease any portion of the 9th floor to
any third party, prior to entering into such sublease, Sublessor shall offer
(the "First Refusal Offer") to add such space to this Sublease for a term
expiring on the same date as the Sublease Term hereunder but at such rental rate
(taking into account all inducements and discounts) as Sublessor intends to
sublease the space to such third party. Sublessor shall promptly deliver to
Sublessee written notice of any such offer made to or received from a third
party (including all material terms and conditions thereof), and Sublessee shall
have ten (10) days within which to accept Sublessor's First Refusal Offer in
writing. If Sublessee does not accept Sublessor's First Refusal Offer within
said 10-day period, then Sublessor shall be entitled to enter into a sublease
with such third party at any time within 90 days thereafter on the terms quoted
in the First Refusal Offer; and if Sublessor does not so enter into such a
sublease with such third party, then Sublessee's first refusal right shall again
be applicable in respect of such space. Sublessee's failure to exercise its
first refusal right hereunder with respect to any portion of the 9th floor shall
not affect or limit Sublessee's first refusal right with respect to any other
portion of the 9th floor.

                                       15

<PAGE>   17

     IN WITNESS WHEREOF, Sublessor and Sublessee have caused this Sublease to be
duly executed as of the day and year first above written.

                         SUBLESSOR:
                         ----------

                         HARZA ENGINEERING COMPANY, INC.
                             a Delaware corporation

                         By: /s/Paul Lambert
                             ---------------------------------------
                             Its: Vice President
                             ---------------------------------------

                         SUBLESSEE:
                         ----------

                         SPSS INC.
                             a Delaware corporation

                         By: /s/ Edward Hamburg
                             ---------------------------------------
                             Its: Executive Vice President & CFO
                             ---------------------------------------

                                       16

<PAGE>   18

                                CONSENT OF LESSOR
                                -----------------

     The undersigned, as Lessor under the Lease, hereby consents to all of the
terms and conditions of this Sublease. The undersigned acknowledges that its
consent as evidenced below satisfies the requirements of Section 15 of the
Lease. The undersigned hereby certifies to Sublessor and Sublessee the
following: (a) the Lease has not been cancelled, modified, assigned, extended or
amended; (b) Sublessor, as tenant under the Lease, is not in default under the
terms of the Lease, nor has any event occurred which, with the giving of notice
or the passage of time, or both, may become a default under the terms of the
Lease; and (c) the Lease is in full force and effect. Lessor acknowledges and
agrees that Sublessee may use the Demised Premises in the same manner that
Sublessee uses its other office space in the Building, which includes customer
training and other uses incidental to Sublessee's general office use.

Date:                       ,         .
         -------------------  --------

                                           -----------------------------------

                                           By:
                                              --------------------------------
                                           Name:
                                                ------------------------------
                                           Title:
                                                  ----------------------------

                                       17

<PAGE>   19

                                    EXHIBIT A
                                    ---------

                                      LEASE

<PAGE>   20

                                    EXHIBIT B
                                    ---------

                          PLAN OF THE DEMISED PREMISES<PAGE>   1

                                                                   EXHIBIT 10.48

[FEDERAL HOME LOAN BANK OF TOPEKA LOGO]

                                          Advance, Pledge and Security Agreement
                                                               (Specific Pledge)

--------------------------------------------------------------------------------

Effective Date:   4-12-00
               ------------

Institution:      American Investors Life Insurance Company, Inc.
               ----------------------------------------------------

Address:          555 South Kansas Avenue
               -----------------------------

                  Topeka, KS  66603
               -----------------------------

This Advance, Pledge and Security Agreement (Agreement) is made as of the
effective date set forth above by and between the Federal Home Loan Bank of
Topeka (Bank) and the above-described institution (Institution).

CONTENTS
     DEFINITIONS                             4.3  Power of Attorney
1.1  Defined Terms                           4.4  Payment of Prepayment Charges
     ADVANCES                                4.5  Default Rate
2.1  Advance Procedures; Demand              4.6  Sale of Collateral
     Deposit Account                              MISCELLANEOUS
2.2  Estoppel                                5.1  General Representations and
2.3  Interest                                     Warranties
2.4  Funding Commitments; Ineligibility      5.2  FIRREA Covenant
     SECURITY AGREEMENT                      5.3  Good Faith; Liability of Bank
3.1  Specific Pledge; Required Collateral    5.4  Assignment of Indebtedness
     Amount                                  5.5  Discretion to Deny Advances
3.2  Perfection of Security Interest         5.6  Access to Bank Records
3.3  Institution's Representations and
     Warrants Concerning Collateral          5.7  Amendments; Waivers
3.4  Release of Collateral                   5.8  Jurisdiction; Legal Fees
3.5  Reports, Audits and Access              5.9  Applicable Law; Severability
3.6  Bank's Responsibility as to Collateral  5.10 Successors and Assigns
3.7  Application of Payments                 5.11 Notices
     DEFAULT; REMEDIES; POWER OF ATTORNEY    5.12 Entire Agreement
4.1  Events of Default; Acceleration         5.13 Counterparts
4.2  Remedies

THE BANK AND THE INSTITUTION AGREE AS FOLLOWS:

DEFINITIONS
1.1  DEFINED TERMS. The following terms shall have the following meanings:
     a.   "Act" means the Federal Home Loan Bank Act, as amended, 12 U.S.C.
          1421, et. seq.
     b.   "Advance" or "Advances" means any and all loans or other extensions
          of credit, including without limitation Swap Transactions, letters of
          credit, guarantees, insurance company funding agreements, or other
          arrangements intended to facilitate transactions between the
          Institution and third parties (but excluding any obligations that the
          Bank may now or hereafter have to honor such as items or transfer
          orders under a depository or similar agreement between the
          Institution and the Bank), and irrespective of whether the Bank's
          obligation under such agreement is contingent upon the occurrence or
          nonoccurrence of any condition, and including all loans or extensions
          of credit by the Bank to the Institution prior to the date hereof.
     c.   "Business Day" means any day that the Federal Reserve Bank of Kansas
          City is open for business.

                                  Page 1 of 9

<PAGE>   2

     d.   "Capital Stock" means all of the capital stock of the Bank owned by
          the Institution and all payments that have been or hereafter are made
          on account of any subscription for such capital stock and all unpaid
          dividends on such capital stock.
     e.   "Collateral" means all property, including the proceeds thereof,
          previously assigned, transferred or pledged to the Bank by the
          Institution as collateral for Advances and all property assigned,
          transferred or pledged to the Bank pursuant to Section 3.1 of the
          Agreement or otherwise.
     f.   "Collateral Policy" means the collateral policy of the Bank as
          published from time to time.
     g.   "Commitment" or "Commitments" means any agreement under which the
          Bank is obligated to make an Advance to the Institution.
     h.   "Confirmation" means a written or machine-readable electronic
          transmission issued by the Bank from time to time confirming an
          Advance, including the notation of the Advance on the Institution's
          demand deposit account statement and schedules to insurance company
          funding agreements.
     i.   "Credit Policy" means the credit policy of the Bank as published from
          time to time.
     j.   "Eligible Collateral" means Collateral, other than Capital Stock,
          which: (1) qualifies as security for Advances under the terms and
          conditions of the Act and the Regulations and satisfies the
          requirements that may be established by the Bank from time to time;
          and (2) is owned by the Institution free and clear of any liens,
          encumbrances or interests other than the interest of the Bank
          hereunder.
     k.   "Indebtedness" means all indebtedness of the Institution to the Bank,
          whether now outstanding or hereafter incurred, including all Advances
          and any other sums owed by the Institution to the Bank pursuant to
          any provision hereof, and all other obligations and liabilities of
          the Institution to the Bank.
     l.   "Lending Value" means the value of the Bank shall from time to time,
          in its sole discretion, ascribe to the various type of Collateral.
     m.   "Regulations" means the regulations of the Federal Housing Finance
          Board or its successor, as amended, 12 CFR Chapter IX.
     n.   "Required Collateral Amount" means the aggregate dollar amount that
          the Bank may specify from time to time with respect to each Advance
          and any other obligation or liability of the Institution to the Bank.
          The Bank may increase or decrease the Required Collateral Amount at
          any time.
     o.   "Swap Transaction" or "Swap Transactions" means any and all interest
          rate swaps, interest rate caps, floors or collars, currency exchange
          transactions or similar transactions entered into between the Bank
          and the Institution.

ADVANCES
2.1  ADVANCE PROCEDURES; DEMAND DEPOSIT ACCOUNT.  All Advances are subject to
     and governed by the Credit Policy and the Collateral Policy, both of which
     are incorporated in and made a part of this Agreement. Periodically, the
     Institution may apply to the Bank for Advances in accordance with the
     procedures established by the Bank. Each Advance shall be evidenced by a
     Confirmation. Unless otherwise agreed to in writing by the Bank, each
     Advance shall be made by crediting a demand deposit account of the
     Institution with the Bank and payments of interest, principal or other
     amounts owed the Bank shall be made by debiting such account. The
     Institution shall maintain sufficient available balances in the account to
     fund all payments due the Bank.
2.2  ESTOPPEL. Failure of the Institution to deliver a written notice to the
     Bank specifying any disputed term or condition of an Advance within ten
     (10) Business Days after the Bank mails by first-class mail or transmits
     electronically a Confirmation to the Institution shall constitute the
     agreement and acknowledgment by the Institution that the terms and
     conditions of the Advance as stated in the Confirmation are valid and are
     those that the Institution requested and by which the Institution agreed
     to be bound. The Institution shall thereafter be estopped from asserting
     any claim or defense with respect to the repayment of such Advance and
     all interest, fees and other charges thereon or in connection therewith.
2.3  INTEREST. The Institution agrees to pay interest on each Advances at the
     applicable rate per annum provided in the Confirmation pertaining thereto,
     as specified in the Bank's Credit Policy for such type of Advance and as
     otherwise specified herein. Accrued interest on each Advance shall be due
     and payable at the times specified in the Bank's Credit Policy,
     Confirmation or as otherwise specified in writing by the Bank.
2.4  FUNDING COMMITMENTS; INELIGIBILITY.  In the event the Institution's
     access to Advances is restricted by any applicable law or regulatory
     directive, the Bank shall not fund outstanding Commitments to the
     Institution. The

                                  Page 2 of 9

<PAGE>   3
     Institution shall immediately notify the Bank if it becomes ineligible for
     Advances under any applicable law or regulatory directive.

SECURITY AGREEMENT
3.1  SPECIFIC PLEDGE; REQUIRED COLLATERAL AMOUNT.
     a.  As security for all present and future indebtedness, the Institution
         hereby assigns, transfers and pledges to the Bank, and grants to the
         Bank a security interest in, the following: (1) all Capital Stock now
         or hereafter owned by the Institution; (2) all deposit accounts held by
         the Institution at the Bank; (3) all property specified and described
         by the Institution from time to time on schedules or forms prescribed
         by the Bank; (4) all property delivered from time to time by the
         Institution to the Bank or the Bank's custodian; and (5) the proceeds
         of any of the foregoing.
     b.  The institution shall at all times have granted the Bank a security
         interest in an amount of Eligible Collateral that has a Lending Value
         at least equal to the Required Collateral Amount applicable to the
         Institution.
     c.  While the Institution may, except as provided below, retain the
         documents evidencing any Collateral it has pledged to the Bank, it is
         specifically understood and agreed that the holding of such documents
         is solely for the benefit, and subject to the direction and control, of
         the Bank.
     d.  The Institution shall not assign, pledge, transfer, create any security
         interest in, sell or otherwise dispose of any Collateral without the
         prior written consent of the Bank.
3.2  PERFECTION OF SECURITY INTEREST.
     a.  Immediately upon the Bank's request, and from time to time thereafter,
         the Institution shall take all actions as the Bank shall reasonably
         deem necessary or appropriate to perfect the Bank's security interest
         in the Collateral, including but not limited to the making, execution
         and delivery to the Bank of such assignments, listings, powers,
         financing statements or other instruments and documents as the Bank may
         require.
     b.  The Institution agrees to pay to the Bank upon demand such fees and
         charges as may be assessed by the Bank to cover overhead and other
         costs relating to the perfection of the Bank's security interest in the
         Collateral (including without limitation the receipt, holding and
         redelivery of Collateral and to reimburse the Bank upon request for all
         recording fees) and other reasonable expenses, disbursements and
         advances incurred or made by the Bank in connection therewith
         (including the reasonable compensation and the expenses and
         disbursements of any bailee that may be appointed by the Bank
         hereunder, and the agents and legal counsel of the Bank and of such
         bailee).
     c.  In the event any Collateral that was Eligible Collateral ceases to be
         Eligible Collateral, the Institution will promptly notify the Bank in
         writing of the reason such Collateral has ceased to be Eligible
         Collateral and request the release of such Collateral pursuant to
         Section 3.4.
     d.  The form and sufficiency of all documents pertaining to the Collateral
         shall be satisfactory to the Bank. Any Collateral that is not
         satisfactory to the Bank may be rejected by the Bank or may have a
         value ascribed thereto that shall be less than the value normally
         ascribed thereto under the Bank's Collateral Policy, or as the Bank may
         otherwise specify.
     e.  The Bank may take such steps as it reasonably deems necessary to
         protect its security position with respect to outstanding Advances,
         including requiring the pledging and/or perfection of additional
         collateral whether or not such additional collateral is Eligible
         Collateral.
3.3  INSTITUTION'S REPRESENTATIONS AND WARRANTIES CONCERNING COLLATERAL.  The
     Institution represents and warrants to the Bank, as of the date hereof and
     as of each date on which there shall be an outstanding Advance or
     Commitment, as follows:
     a.  The Institution owns and has title to the Collateral and has the right
         and authority to grant a security interest to the Bank in the
         Collateral and to subject all of the Collateral to this Agreement.
     b.  All the Collateral that the Institution represents to be Eligible
         Collateral meets the standards and requirements with respect thereto
         from time to time established by the Bank, the Act and the Regulations.
     c.  The Institution has not conveyed or otherwise created, and there does
         not otherwise exist, any participation interest or other direct,
         indirect, legal or beneficial interest in any Collateral in favor of
         anyone or any entity other than the Bank and the Institution except as
         specifically communicated in writing to the Bank.
3.4  RELEASE OF COLLATERAL.  Upon receipt by the Bank of a written request from
     the Institution asking for the release of any Collateral, the Bank shall
     promptly release to the Institution, at the Institution's expense, the
     Collateral specified

                                  Page 3 of 8
<PAGE>   4
     in said written request. Notwithstanding anything to the contrary herein,
     while an Event of Default hereunder shall have occurred and be continuing,
     or at any time that the Bank's records indicate that such release would
     reduce the Lending Value of the Institution's Collateral below the Required
     Collateral Amount, or at any time that the Bank reasonably and in good
     faith deems itself insecure, the Bank may refuse such request.
3.5  REPORTS, AUDITS AND ACCESS.
     a.  The Institution shall provide the Bank with written periodic reports
         containing such information on the Collateral as the Bank shall require
         from time to time, including listings of mortgages and securities,
         unpaid principal balances thereof and certifications concerning the
         status of payments of mortgages and of taxes and insurance on property
         securing mortgages. The Institution shall give the Bank access at all
         reasonable times to Collateral in the possession of the Institution and
         to the books and records of account of the Institution relating to the
         Collateral for the purpose of permitting the Bank to examine, verify or
         reconcile the Collateral and the reports of the Institution to the Bank
         thereon.
     b.  All Collateral and the satisfaction by the Institution of the Required
         Collateral Amount shall be subject to periodic audit and verification
         by or on behalf of the Bank. Such audits and verifications may occur
         without notice during the Institution's normal business hours or upon
         reasonable notice at such other time as the Bank may reasonably
         request. The Institution shall provide access to, and shall make
         adequate working facilities available to, the representations or agents
         of the Bank for purposes of such audits and verifications. The
         Institution agrees to pay to the Bank such reasonable fees and charges
         as may be assessed by the Bank to cover overhead and other costs
         relating to such audits and verifications.
     c.  The Institution shall furnish to the Bank annually, if the Bank
         requests, an audit report prepared by an external independent auditor
         of the Institution in such form as the Bank may require certifying the
         accuracy of any or all information required to be given to the Bank by
         the Institution with respect to the Collateral.
     d.  The Institution shall also furnish to the Bank, on an annual basis,
         copies of any available audited financial statements, management
         letters and directors' exams in regard to the Institution.
     e.  If the Lending Value of the Eligible Collateral pledged by the
         Institution shall at any time fall below the Required Collateral
         Amount, the Institution shall immediately notify the Bank.
3.6  BANK'S RESPONSIBILITY AS TO COLLATERAL. In the event that the Bank shall
     take possession of any Collateral hereunder, the Bank's duty as to such
     Collateral shall be solely to use reasonable care in the custody and
     preservation of the Collateral in its possession. This duty shall not
     require the Bank to take any steps necessary to preserve rights against
     prior parties or the duty to send notices, perform services or take any
     action in connection with the management of the Collateral. The Institution
     shall make and maintain copies, microfilm or other recordings of all
     Collateral delivered to the Bank.
3.7  APPLICATION OF PAYMENTS. The Bank may, in its sole discretion, apply any
     payments by or recovery from the Institution, which are received by the
     Bank without any designation from the Institution (at the time of such
     payment or recovery) as to the intended application thereof, at such time
     and in such manner and order of priority as the Bank shall deem fit.

DEFAULT; REMEDIES; POWER OF ATTORNEY
4.1  EVENTS OF DEFAULT; ACCELERATION. Upon the occurrence of and during the
     continuation of any of the following events or conditions of default
     (Event of Default), the Bank may at its option and notwithstanding any
     other provision hereof, by a notice to the Institution, declare all
     Indebtedness, including but not limited to any accrued interest and any
     prepayment charges that are provided for upon payment of an Advance before
     the date(s) scheduled for repayment, to be immediately due and payable,
     without presentment, demand, protest or any further notice:
     a.  Failure of the Institution to keep sufficient available balances on
         deposit with the Bank to pay any interest, principal or other amount
         then due and owing to the Bank one (1) Business Day after the Bank
         gives notice to the Institution that its available balances on deposit
         with the Bank are insufficient to pay amounts then due and owing; or
     b.  Continued failure of the Institution to perform any promise or
         obligation or to satisfy any condition or liability contained herein
         for five (5) Business Days after the Bank gives notice to the
         Institution of such failure; or
     c.  Continued failure of the Institution to provide adequate Eligible
         Collateral as required by the Bank for three (3) Business Days after
         the Bank gives notice to the Institution of such failure unless the
         Institution shall

                                  Page 4 of 9

<PAGE>   5
         reduce its Required Collateral Amount during such three (3) Business
         Day period such that the Institution has sufficient Eligible
         Collateral; or
     d.  Any suspension of payment by the Institution to any creditor of sums
         due or the occurrence of any event that results (or which with the
         giving of notice or passage of time or both will result) in
         acceleration of the maturity of any indebtedness of the Institution to
         others under any security agreement, indenture, loan agreement or other
         undertaking, provided that such indebtedness is a material amount with
         respect to the Institution and is not subject to a good faith dispute;
         or
     e.  Appointment of a trustee, conservator, receiver, liquidator, custodian
         or similar official for the Institution, or for substantially all of
         the Institution's property, or the notice of a judgment, decree or
         administrative decision adjudicating the Institution insolvent or
         bankrupt; or
     f.  Sale by the Institution of all or substantially all of the
         Institution's assets or the taking of any action by the Institution to
         liquidate or dissolve; or
     g.  Termination of the Institution's membership in the Bank or the
         Institution's ceasing to be a type of financial institution that is
         eligible under the Act to become a member of the Bank; or
     h.  Merger, consolidation or other combination of the Institution with an
         entity that is not a member of the Bank if the nonmember entity is the
         surviving entity in such transaction.
4.2  REMEDIES.  Upon the occurrence of any Event of Default, the Bank shall
     have all of the rights and remedies provided by applicable law, which shall
     include, but not be limited to, all of the remedies of a secured party
     under the Uniform Commercial Code as in effect in the State of Kansas. The
     Bank may take immediate possession of any of the Collateral or any part
     thereof wherever the same may be found. The Bank may sell, assign and
     deliver the Collateral or any part thereof to public or private sale for
     such price as the Bank deems appropriate without any liability for any loss
     due to decrease in the market value of the Collateral during the period
     held. The Bank shall have the right to purchase all or part of the
     Collateral at such sale. If the Collateral includes instruments or
     securities that will be redeemed by the issuer upon surrender, or any
     accounts or deposits in the possession of the Bank, the Bank may realize
     upon such Collateral without notice to the Institution. If any notification
     of intended disposition of any of the Collateral is required by applicable
     law, such notification shall be deemed reasonable and properly given if
     mailed, postage prepaid, at least ten (10) Business Days before any such
     disposition to the address of the Institution appearing on the records of
     the Bank. Upon the occurrence of any Event of Default, the Bank may, in its
     sole discretion, apply any payment by or recovery from the Institution or
     any sum realized from Collateral, at such time and in such manner and order
     of priority as the Bank shall deem fit, irrespective of any manifestation
     of any contrary intention or desire on the part of the Institution or the
     provisions of any other agreement between the Bank and the Institution. The
     Institution agrees that the Bank may exercise its right of setoff upon the
     occurrence of an Event of Default in the same manner as if the Advances and
     Commitments were unsecured. Notwithstanding any other provision hereof,
     upon the occurrence of any Event of Default at any time when all or part of
     the obligations of the Institution to the Bank hereunder shall be the
     subject of any guarantee by a third party for the Bank's benefit and there
     shall be other outstanding obligations of the Institution to the Bank that
     are not so guaranteed but that are secured by the Collateral, then any sums
     realized by the Bank from the Collateral, or from any other Collateral
     pledged or furnished to the Bank by the Institution under any other
     agreement, shall be applied first to the satisfaction of such other
     nonguaranteed obligations and then to the Institution's guaranteed
     obligations hereunder. The Institution agrees to pay all the costs and
     expenses of the Bank in the collection of the Indebtedness and enforcement
     and preservation of the Bank's rights and remedies in case of default,
     including, without limitation, reasonable attorneys' fees. The Bank in its
     discretion may apply any surplus after payment of Indebtedness, provision
     for repayment to the Bank of any amounts to be paid under outstanding
     Commitments and all costs of collection and enforcement, to third parties
     claiming a secondary security interest in the Collateral, with any
     remaining surplus paid to the Institution. The Institution shall be liable
     to the Bank for any deficiency remaining.
4.3  POWER OF ATTORNEY.  After the occurrence of a default, the Bank may in its
     discretion; in its own name or in the name of its nominee or of the
     Institution, do any or all things and take any and all actions that are
     pertinent to the protection of the Bank's Interest hereunder and, if such
     actions are subject to the laws of a state, are lawful under the laws of
     the State of Kansas, including the following:
     a.  Terminate any consent given hereunder;
     b.  Notify obligors on any Collateral to make payments thereon directly to
         the Bank;

                                  Page 5 of 9
<PAGE>   6
     c.  Endorse any Collateral that is in the Institution's name or that has
         been endorsed by others to the Institution's name;
     d.  Enter into any extension, compromise, settlement or other agreement
         relating to or affecting any Collateral;
     e.  Take any action the Institution is required to take or that is
         otherwise necessary to: (1) sign and record a financing statement or
         otherwise perfect a security interest in any or all of the Collateral;
         or (2) to obtain, preserve, protect, enforce or collect the Collateral;
     f.  Take control of any funds or other proceeds generated by or arising
         from the Collateral and use the same to reduce indebtedness as it
         becomes due; and
     g.  Cause the Collateral to be transferred to the Bank's name or the name
         of its nominee.
     The Institution hereby appoints the Bank as its true and lawful attorney,
     for and on behalf of the Institution and in its name, place and stead, to
     prepare, execute and record endorsements and assignments to the Bank of all
     or any item of Collateral (including the identification and listing, by
     exhibit prepared by the Bank or otherwise, of mortgage loans constituting
     such Collateral), giving or granting to the Bank, as such attorney, full
     power and authority to do or perform every lawful act necessary or proper
     in connection therewith as fully as the Institution could or might do. The
     Institution hereby ratifies and confirms all that the Bank shall lawfully
     do or cause to be done by virtue of this special power of attorney. This
     special power of attorney is granted for a period commencing on the date of
     Institution's default and continuing until the discharge of all
     Indebtedness and all obligations of the Institution hereunder, is coupled
     with an interest and is irrevocable for the period granted. As the
     Institution's true and lawful attorney-in-fact, the Bank shall have no
     responsibility to take any steps necessary to preserve rights against prior
     parties or the duty to send notices, perform services or take any action in
     connection with the management of the Collateral.
4.4  PAYMENT OF PREPAYMENT CHARGES.  Any prepayment fees or charges for which
     provision is made, whether under a Confirmation or otherwise, with respect
     to any Advance shall be payable at the time of any voluntary or involuntary
     payment of the principal of such Advance prior to the originally scheduled
     maturity thereof. This shall include, without limitation, payments that are
     made in connection with the liquidation of the Institution or that become
     due as a result of an acceleration by the Bank pursuant to Section 4.1,
     whether such payment is made by the Institution, by a trustee, conservator,
     receiver, liquidator, custodian or similar official, of or for the
     Institution or by any successor to or any assignee of the Institution. The
     Institution acknowledges and agrees that the damages incurred by the Bank
     due to a prepayment of an Advance will be difficult to ascertain at the
     time of such prepayment and, in lieu thereof, the Institution and the Bank
     agree that the formula for calculation of the prepayment fee set forth in
     the Confirmation or in the Credit Policy at the time the Advance is issued
     constitutes a fair, reasonable and good faith estimate of the damages
     suffered by the Bank because of such prepayment and is therefore payable as
     a prepayment fee or charge.
4.5  DEFAULT RATE.  Any payment of principal or interest or any other sum due
     hereunder, if not paid when due (whether at stated maturity, by
     acceleration or otherwise) shall bear interest, to the maximum extent
     permitted by law, at a rate per annum for each day during the period
     commencing on the due date thereof until such amount shall be paid in full
     equal to 315 basis points above the previous business day's daily effective
     federal funds rate as published in Federal Reserve Statistical Release
     H.15, or any equivalent successor rate, release or publication.
4.6  SALE OF COLLATERAL.  In view of the possibility that federal and state
     securities and other laws may impose certain restrictions on the method by
     which sale of the Collateral may be effected, the Bank and the Institution
     agree that any sale of the Collateral as a result of an Event of Default
     shall be deemed "commercially reasonable" irrespective of whether the
     notice or manner of such sale contains provisions or imposes, or is subject
     to, conditions or restrictions deemed appropriate to comply with the
     Securities Act of 1933 or any other applicable federal or state securities
     or other law. It is further agreed that from time to time the Bank may
     attempt to sell the Collateral by means of private placement. In so doing,
     the Bank may restrict the bidders and prospective purchasers to those who
     will represent and agree that they are purchasing for investment only and
     not for distribution or otherwise impose restrictions deemed appropriate by
     the Bank for the purpose of complying with the requirements of applicable
     securities laws. The Bank may solicit offers to buy such Collateral, for
     cash or otherwise, from a limited number of investors deemed by the Bank to
     be responsible parties who might be interested in purchasing such
     Collateral. If the Bank solicits offers from at least three (3) such
     investors, then the acceptance by the Bank of the highest offer obtained
     therefrom (whether or not three (3) offers are obtained) shall be deemed to
     be a commercially reasonable method of disposing of the Collateral.

                                  Page 6 of 9
<PAGE>   7

MISCELLANEOUS
5.1  GENERAL REPRESENTATIONS AND WARRANTIES. The Institution hereby represents
     and warrants that to the best of its knowledge as of the date hereof and
     as of each date on which there shall be an outstanding Advance or
     Commitment:
     a.   The Institution is not now, and neither the execution of nor the
          performance of any of the transactions or obligations of the
          Institution under the Agreement shall, with the passage of time, the
          giving of notice, or otherwise, cause the Institution to be: (1) in
          violation of its charter or articles of incorporation, by-laws, the
          Act or the Regulations, any other law or administrative regulation,
          any court decree or any order of a regulatory authority; or (2) in
          default under or in breach of any Indenture, contract, or other
          instrument or agreement to which the Institution is a party or by
          which the Institution or any of its property may be bound; so as to
          materially affect the Institution's ability to perform its
          obligations under this Agreement.
     b.   The Institution has full corporate power and authority and has
          received all corporate and governmental authorizations and approvals
          as may be required to enter into and perform its obligations under
          this Agreement and to borrow each Advance.
     c.   The information given by the Institution in any document provided, or
          in any oral statement made, in connection with an application or
          request for an Advance or a Commitment, a pledge, specification or
          delivery of Collateral, is true, accurate and complete in all
          material respects.
5.2  FIRREA COVENANT.  If the Institution is an insured depository institution,
     it further represents and warrants to, and covenants and agrees with, the
     Bank that the necessary action to authorize the delivery of this Agreement
     and the performance of its obligations hereunder includes all
     authorizations required for insured depository institutions under the
     Financial Institutions Reform, Recovery, and Enforcement Act of 1989 and
     the Institution will at all times during the term of this Agreement
     continuously include and maintain this Agreement, including all exhibits,
     attachments, supplements, Confirmations incorporated herein and evidence
     of all necessary approvals, as part of its official written books and
     records. In addition to any other remedies which the Bank may have under
     this Agreement or otherwise, if the Institution breaches or defaults on
     any of its obligations set forth in this paragraph, the Bank shall be
     entitled to apply to any court of competent jurisdiction for an order
     requiring specific performance by the Institution of such obligations, and
     the Institution shall not contest any such application and shall comply
     with any such order.
5.3  GOOD FAITH; LIABILITY OF BANK.  The Institution and the Bank shall have an
     obligation of good faith in the performance and enforcement of every duty
     or right imposed or granted by this Agreement, and any other actions or
     inactions taken or not taken with respect to this Agreement. "Good Faith"
     shall mean honesty in fact (i.e., a subjective standard rather than an
     objective standard). The Bank shall not be liable for any costs, expenses,
     damages, liabilities or claims (including attorneys' and accountants'
     fees) incurred by the Institution, except those costs, expenses, damages,
     liabilities or claims arising out of the gross negligence or willful
     misconduct of the Bank or any of its employees or duly appointed agents.
     In no event shall the Bank be liable to the Institution or any third party
     for special, indirect or consequential damages, or lost profits or loss of
     business, arising under or in connection with this Agreement, even if
     previously informed of the possibility of such damages and regardless of
     the form of action.
5.4  ASSIGNMENT OF INDEBTEDNESS.  The Institution hereby gives the Bank the
     full right, power and authority to pledge or assign to any party all or
     part of the Indebtedness, together with a proportionate amount of the
     Collateral, as security for Consolidated Federal Home Loan Bank
     Obligations, issued pursuant to the provisions of the Act or for any other
     purpose authorized by the Act, the Regulations or the Federal Housing
     Finance Board. In the case of any such pledge or assignment, the Bank
     shall have no further responsibility with respect to Collateral transferred
     to the pledgee or assignee, and all references herein to "the Bank" shall
     be read to refer instead to the pledgee or assignee with respect to such
     Collateral. The Institution may not voluntarily or involuntarily or by
     operation of law or otherwise assign or transfer any of its rights or
     obligations hereunder or with respect to any Advances or Commitments
     without the express prior written consent of the Bank.
5.5  DISCRETION TO DENY ADVANCES.  Nothing contained herein or in any documents
     describing or setting forth the Bank's Credit Policy or other policies
     shall be construed as an agreement or commitment on the part of the Bank
     to grant Advances hereunder, or to enter into any other transaction, the
     right and power of the Bank in its discretion to either

                                  Page 7 of 9

<PAGE>   8

     grant (with or without conditions) or deny any Advance or other
     transaction requested hereunder being expressly reserved.
5.6  ACCESS TO BANK RECORDS.  The Bank shall grant to all governmental
     regulatory agencies having jurisdiction over the Institution, to the
     Institution's independent public accountants (to be named by written
     notice delivered to the Bank) and to the Institution's internal auditors
     the right at any reasonable time to examine and audit the Institution's
     records in the Bank's possession, the right to request directly from the
     Bank any reports, summaries or information of the Bank relating to the
     Institution and the right to observe the processing of reports or examine
     the Institution's documents at the Bank; provided, however, the Bank's
     obligations hereunder shall not apply to the extent that the records,
     reports, summaries, information or documents sought or requested are
     contained in or derived from data not provided by the Bank in the
     Institution or the Institution to the Bank pursuant to this Agreement.
5.7  AMENDMENT; WAIVERS.  No modification, amendment or waiver of any provision
     of this Agreement or consent to any departure therefrom shall be effective
     unless executed by the party against whom such change is asserted and
     shall be effective only in the specific instance and for the purpose for
     which given. No notice to or demand on the Institution in any case shall
     entitle the Institution to any other or further notice or demand in the
     same, or similar or other circumstance. Any forbearance, failure or delay
     by the Bank in exercising any right, power or remedy hereunder shall not
     be deemed to be a waiver thereof, and any single or partial exercise by
     the Bank of any right, power or remedy hereunder shall not preclude the
     further exercise thereof. Every right, power and remedy of the Bank shall
     continue in full force and effect until specifically waived by the Bank
     in writing.
5.8  JURISDICTION; LEGAL FEES.  In any action or proceeding brought by the Bank
     or the Institution in order to enforce any right or remedy under this
     Agreement, the parties hereby consent to, and agree that they will submit
     to, the jurisdiction of the United States District Court for the District
     of Kansas, or if such action or proceeding may not be brought in federal
     court, the jurisdiction of the District Court of the County of Shawnee,
     State of Kansas, to the exclusion of all other courts. The Institution
     agrees that if any action or proceeding is brought by the Institution
     seeking to obtain any legal or equitable relief against the Bank under or
     arising out of this Agreement or any transaction contemplated hereby, and
     such relief is not granted by the final decision after any and all appeals
     of a court of competent jurisdiction, the Institution will pay all
     attorneys' fees and other costs incurred by the Bank in connection
     therewith. The Institution agrees to reimburse the Bank for all costs and
     expenses (including reasonable fees and out-of-pocket expenses of counsel
     for the Bank) incurred by the Bank in connection with the enforcement or
     preservation of the Bank's rights under this Agreement including, but not
     limited to, its rights in respect of any Collateral and the audit or
     possession thereof.
5.9  APPLICABLE LAW; SEVERABILITY.  This Agreement and all Advances granted
     under this Agreement shall be governed by the statutory and common law of
     the United States and, to the extent federal law incorporates or defers to
     state law, the laws (exclusive of choice of law provisions) of the State
     of Kansas. In the event that any portion of this Agreement conflicts with
     applicable law, such conflict shall not affect other provisions of this
     Agreement that can be given effect without the conflicting provision, and
     to this end the provisions of the Agreement are declared to be severable.
5.10 SUCCESSORS AND ASSIGNS.  This Agreement shall be binding upon and inure to
     the benefit of the successors and permitted assignees of the Institution
     and the Bank.
5.11 NOTICES.  Any notice, advice, request, consent or direction given, made or
     withdrawn pursuant to this Agreement shall be in writing or by
     machine-readable electronic transmission, and shall be deemed to have been
     duly given to and received by a party hereto three (3) Business Days after
     it shall have been mailed to such party at its address herein provided,
     if delivered by first-class mail, or if delivered by hand or by
     machine-readable electronic transmission, when actually received by such
     party at its principal office.
5.12 ENTIRE AGREEMENT.  This Agreement embodies the entire agreement and
     understanding between the parties hereto relating to the subject matter
     hereof and supersedes all prior agreements between such parties, and all
     oral and written statements by either party, that relate to such subject
     matter. Notwithstanding the above, Advances made by the Bank to the
     Institution prior to the execution of this Agreement shall continue to be
     governed by the terms of the Confirmation pursuant to which such Advances
     were made, and otherwise by the terms and conditions of this Agreement.
5.13 COUNTERPARTS.  This Agreement may be executed in one or more counterparts,
     all of which shall constitute but one Agreement.

                                  Page 8 of 9

<PAGE>   9
IN WITNESS WHEREOF, the Bank and the Institution have caused this Agreement to
be signed in their names by their duly authorized officers.

INSTITUTION                                   FEDERAL HOME LOAN BANK OF TOPEKA
                                              2 Township Plaza, P.O. Box 176
                                              Topeka, KS 66601-0176

By: /s/  Michael H. Miller                    By: /s/  Steven D. Reichle
    ----------------------------                 ------------------------------
        Authorized Signature                          Authorized Signature

Michael H. Miller, Exec. V.P. & General Counsel       Steven D. Reichle, SVP
--------------------------------                 ------------------------------
     Typed Name and Title                              Typed Name and Title

Date: April 12, 2000                          Date: April 17, 2000
      ------------------                            ------------------

State of: Kansas          )
          ----------------
                          ) ss:
County of: Shawnee        )
          ----------------

On this 12th day of April, 2000, before me came Michael H. Miller (name)
personally known to me, who being by me duly sworn, did depose and state that
he/she is the Exec. V.P. and General Counsel (title) of the Institution
described in and which executed the above instrument; that he/she signed
his/her name thereto by order of the board of directors or other governing body
of said Institution and that he/she acknowledged the execution of said
instrument to be the voluntary act and deed of said Institution.

     (Notary Seal)                        /s/    Cara P. Christianson
                                          --------------------------------------
                                          Notary Public Signature
Cara P. Christianson
   Notary Public                          My appointment expires: April 24, 2002
  State of Kansas
My Appt. Expires 4/24/2002

                                  Page 5 of 8

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