Document:

Lease Agrmnt, Regent Paces Ferry

  Exhibit 10.29
  TAYLOR & MATHIS
BROKERS - DEVELOPERS
  This Lease Agreement (the “Lease”) is made this 4 day of Feb, 1993, by and among PERIMETER CENTER/SOUTH TERRACES ASSOCIATES, a joint venture composed of TAYLOR & MATHIS /SOUTH TERRACES,
LTD., a Georgia limited partnership, and METROPOLITAN LIFE INSURANCE COMPANY, a New York corporation (the “Landlord”); and CRESCENT BANK AND TRUST COMPANY, a Georgia corporation (the “Tenant”); and TAYLOR &
MATHIS IV, a Georgia general partnership (the “Leasing Agent”).
  WITNESSETH:

	  1.
 	  PREMISES.
 
	  
 	  
 
	  
 	            Landlord does hereby rent and lease to Tenant the following described space in the office complex known as Perimeter
Center (the “Park”) in the office building situated at 115 Perimeter Center Place, Atlanta, Georgia (the “Building”): office space on the Second Floor, west wing, known as Suite 285 as shown on Exhibit A, attached
hereto and incorporated herein (the “Premises”). For all purposes under this Lease, the Premises shall be deemed to include 2,996 rentable square feet (including both Tenant’s exclusive usable area and common areas attributable
to Tenant’s usable area).
 
	  
 	  
 
	 2.
 	  TERM.
 
	  
 	  
 
	  
 	            The term of this Lease shall be for a period commencing on the earlier to occur of (i) the day Tenant occupies the
Premises for the purpose of conducting business therefrom, or (ii) the 15th day of February, 1993, at 12:01 a.m. and expiring on the 15th day of August, 1996, at 11:59 p.m., unless sooner terminated or extended as hereinafter provided (such term,
being hereinafter referred to as the “Term”).
 
	  
 	  
 
	  3.
 	  COMPLETION OF IMPROVEMENTS.
 
	  
 	  
 
	  
 	  See Special Stipulation #1
 
	  
 	  
 
	  
 	            Landlord agrees to proceed with due diligence to prepare the Premises for Tenant’s occupancy in accordance with
the terms of this Lease.
 
	  
 	  
 
	  4.
 	  POSSESSION.
 
	  
 	  
 
	  
 	 See Special Stipulation #2
 
	  
 	  
 
	  
 	            If this Lease is executed before the Premises become ready for occupancy and Landlord cannot deliver possession of
the Premises on or before commencement of the Term for any reason other than an omission, delay or default caused by Tenant, rent shall abate until Landlord can deliver possession, and Tenant hereby accepts such abatement in full settlement of any
and all claims Tenant may have against Landlord arising from Landlord’s inability to deliver possession at the commencement of the Term. Any occupancy by Tenant prior to the beginning of the Term, even if rent free, shall in all other respects
be pursuant to the terms and provisions of this Lease. By occupying the Premises as tenant, Tenant shall be deemed to have accepted the same and acknowledged that the Premises are in the condition required hereunder.
 
	  
 	  
 
	  5.
 	  BASE MONTHLY RENTAL.
 
	  
 	  
 
	  
 	  See Special Stipulation #3
 

 

	  
 	            (b) Simultaneously with the execution of this Lease, Tenant has paid to Landlord, and Landlord hereby
acknowledges the receipt of ONE THOUSAND SEVEN HUNDRED FORTY SEVEN AND 67/100THS DOLLARS ($1,747.67) (the “Initial Installment”). Such sum shall be applied by Landlord to the first installment(s) of Base Monthly Rental as they
become due hereunder. In the event Tenant fails to take possession of the Premises in accordance with all of the terms hereof, the Initial Installment shall be retained by Landlord for application in reduction, but not in satisfaction, of damages
suffered by Landlord as a result of such breach by Tenant.
 
	  
 	  
 
	 6.
 	  BASE MONTHLY RENTAL ADJUSTMENT.
 
	  
 	  
 
	  
 	  See Special Stipulation #4
 
	  
 	  
 
	  
 	            “Lease Year,” as used herein, means a period of twelve (12) consecutive calendar months, or a
portion thereof falling within the Term, with the first Lease Year commencing with the first day of the first calendar month beginning on or after the commencement date of the Term and each subsequent Lease Year commencing on each anniversary during
the Term of the commencement date of the first Lease Year. The period, if any, from the commencement date of the Term to the beginning of the first Lease Year shall be treated as if it were part of the first Lease Year under this Lease for all
purposes.
 
	  
 	  
 
	  7.
 	  ADDITIONAL RENT.
 
			

	  8.
 	  LEASING AGENT’S COMMISSION.
 
	  
 	  
 
	  
 	           Landlord agrees to pay Leasing Agent, as compensation for services rendered in procuring this Lease, a procurement fee
and commission in accordance with the terms and provisions of a certain leasing and management agreement, entered into between Landlord and Leasing Agent, as such agreement may be amended, supplemented or replaced from time to time (the
“Agreement”). Leasing Agent is a party to the contract solely for the purpose of enforcing Leasing Agent’s rights under this Paragraph, and it is understood by all parties hereto that Leasing Agent is acting solely in the
capacity as agent for Landlord, to whom Tenant must look in regard to all covenants, agreements and warranties herein contained, and that Leasing Agent shall never be liable to Tenant in regard to any matter which may arise by virtue of this
Lease.
 
	  
 	  
 
	  9.
 	  USE.
 
	  
 	  
 
	  
 	            The Premises shall be used for business office and related ancillary purposes and for no other purposes. The Premises
shall not be used for any illegal purposes, nor in violation of any regulation of any governmental body, nor in any manner to create any nuisance or trespass, nor in any manner to vitiate the insurance or increase the rate of insurance on the
Premises or the Building. Tenant shall, at its own expense, promptly comply with any and all municipal, county, state and federal statutes, regulations and/or requirements applicable or in any way relating to Tenant’s specific use and occupancy
of the Premises.
 
	  
 	  
 
	 10.
 	  TENANT’S ACCEPTANCE.
 
	  
 	  
 
	  
 	  See Special Stipulation #5
 
	  
 	  
 
	  
 	            Tenant acknowledges that it has been afforded an opportunity to inspect the Premises and accepts the Premises
“as is” and as suited for Tenant’s intended use thereof, subject only to the provisions of Paragraph 3. Upon completion of the improvements contemplated by Paragraph 3, or occupancy of the Premises by Tenant, whichever first occurs,
Tenant shall be deemed to have accepted any improvements made since the date hereof.
 
	  
 	  
 
	  11.
 	  ASSIGNMENT AND SUBLETTING.
 
	  
 	  
 
	  
 	  See Special Stipulation #6
 
	  
 	  
 
	  
 	            (a) Tenant shall not voluntarily or involuntarily, whether by operation of law or otherwise, assign, transfer,
hypothecate or otherwise encumber this Lease or any interest herein and shall not sublet or permit the use by others of the Premises or any portion thereof without obtaining in each instance Landlord’s prior written consent, which consent
Landlord may grant or withhold for any reason or for no reason. Landlord’s consent to one assignment, sublease, transfer or hypothecation shall not be deemed as a consent to any other or further assignment, sublease, transfer or
hypothecation.  Any such assignment, sublease, transfer or hypothecation without Landlord’s prior written consent shall be void and shall, at Landlord’s option, constitute a default under this Lease. No acceptance by Landlord of any
rent or any other sum of money from any assignee, sublessee or other category of transferee shall release Tenant from any of its obligations hereunder or be deemed to constitute Landlord’s consent to any assignment, sublease, transfer or
hypothecation, and in any event, Tenant shall remain primarily liable on this Lease for the entire Term hereof and shall in no way be released from the full and complete performance of all the terms, conditions, covenants and agreements contained
herein.
 
	  
 	  
 
	  
 	           (b) If Tenant should desire to assign this Lease or sublet the Premises or any part thereof, Tenant shall give
Landlord prior written notice, which notice shall specify (i) the name and business of the proposed assignee or sublessee, (ii) the amount and location of the space affected, (iii) the proposed effective date and duration of the subletting or
assignment, and (iv) the proposed rental or other consideration to be paid to Tenant by such sublessee or assignee. Landlord shall then have a period of fifteen (15) days following receipt of such notice within which to notify Tenant in writing that
Landlord elects either (1) to terminate this Lease as to the space so affected as of the date so specified by Tenant, in which event Tenant will on that date be relieved of all further obligations to pay rent hereunder as to such space, or (2) to
permit Tenant to assign or sublet such space, in which event if the proposed rental between Tenant and sublessee for the space affected is greater than the Base Monthly Rental as adjusted under this Lease applicable to the space affected, or if
consideration other than rental is paid to Tenant by such assignee or sublessee with respect to the affected space, then fifty percent (50%) of such excess rental and other consideration shall be deemed additional rent owed by Tenant to Landlord
under this Lease, and the amount of such excess shall be paid by Tenant to Landlord in the same manner that Tenant pays the Base Monthly Rental hereunder and in addition thereto, or (3) to withhold consent to Tenant’s assigning or subleasing
such space and to continue this Lease in full force and effect as to the entire Premises. If Landlord should fail to notify Tenant in writing of such election within said fifteen (15) day period, Landlord shall be deemed to have elected option (3)
above. Tenant agrees to reimburse Landlord for Landlord’s reasonable attorneys’ fees and costs incurred in connection with the processing and documentation of any request made pursuant to this Paragraph. Notwithstanding the giving by
Landlord of its consent to any assignment or sublease with respect to the Premises, no such assignee or sublessee may exercise any expansion option, right of first refusal option, or renewal option under this Lease except in accordance with a
separate written agreement entered into directly between such assignee or sublessee and Landlord, and, absent Landlord’s written agreement to the contrary, all option rights of Tenant, and all lease rights of Tenant created pursuant to the
exercise of any option rights, with respect to any space so assigned or subleased shall be extinguished.
 
	  
 	  
 
	 12.
 	  HOLDING OVER.
 
	  
 	  
 
	  
 	            If Tenant remains in possession after the expiration of the Term, or the termination of this Lease, it shall be a
tenant at sufferance only and there shall be no renewal hereof by operation of law. In such event, such occupancy shall be at an amount equal to one hundred fifty percent (150%) of the Base Monthly Rental in effect immediately prior to the
expiration or termination of this Lease and shall otherwise be subject to all of the covenants and provisions of this Lease (including, without limitation, Paragraph 7) insofar as the same are applicable to a month-to-month tenancy.
 

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 	  Tenant shall be liable to Landlord for all damages incurred by Landlord as a result, in whole or in part, of Tenant’s failure to deliver possession of the Premises to
Landlord upon expiration or termination of the Term.
 
	  
 	  
 
	  13.
 	  ALTERATIONS AND IMPROVEMENTS.
 
	  
 	  
 
	  
 	  See Special Stipulation #7
 
	  
 	  
 
	  
 	           (b) If Tenant’s actions, omissions or occupancy of the Premises shall cause the rate of fire or other insurance
either on the Building or the Premises to be increased and provided Landlord gives Tenant notice of such increase, Tenant shall pay, as additional rent, the amount of any such increase promptly upon demand by Landlord.
 
	  
 	  
 
	  
 	            (c) All erections, additions, fixtures and improvements, whether temporary or permanent in character (except only the
movable office furniture of Tenant) made in or upon the Premises, shall be and remain Landlord’s property and shall remain upon the Premises at the termination of this Lease by lapse of time or otherwise, with no compensation to Tenant,
Landlord reserves the right to require Tenant to remove any such improvements or additions at the termination hereof or within fifteen (15) days thereafter. Landlord may, at its election, repair any damage to the Premises caused by or in connection
with the removal of any articles of personal property, business or trade fixtures, alterations, improvements and installations, and all costs for such repairs shall be at Tenant’s expense.
 
	  
 	  
 
	  14.
 	  REPAIRS TO THE PREMISES.
 
	  
 	  
 
	  
 	  See Special Stipulation #8
 
	  
 	  
 
	 15.
 	  ENTRY BY LANDLORD.
 
	  
 	  
 
	  
 	            Landlord or its agents may enter the Premises at reasonable hours to exhibit same to prospective purchasers or
tenants, to inspect the Premises to see that Tenant is complying with all of its obligations hereunder, and to make repairs, improvements, alterations or additions which Landlord shall deem necessary for the safety, preservation or improvement of
the Building or to make repairs or modifications to any adjoining space. Landlord shall be allowed to take all material into and upon the Premises that may be required to make such repairs, improvements, alterations or additions for the benefit of
Tenant without in any way being deemed or held guilty of an eviction of Tenant, and the Base Monthly Rental, Additional Rent and other charges hereunder shall in no wise abate while said repairs, improvements, alterations or additions are being
made. All such repairs, improvements, alterations and additions shall be done during ordinary business hours, or, if any such work is at the request of Tenant to be done during any other hours, Tenant shall pay for all overtime costs.

	  
 	  
 
	  16.
 	  DEFAULT AND REMEDIES.
 
	  
 	  
 
	  
 	  See Special Stipulation #9
 
	  
 	  
 
	  
 	           (a) In addition to the circumstances hereinbefore set forth, the occurrence of any of the following shall constitute a
material breach and default of this Lease by Tenant:
 
	  
 	  
 
	  
 	                      (i) the filing of any voluntary petition or similar
pleading under any section or sections of any bankruptcy or insolvency act by or against Tenant or the institution of any voluntary or involuntary proceeding in any court or tribunal to declare Tenant insolvent or unable to pay Tenant’s debts
as they mature and, in the case of an involuntary petition or proceeding, the petition or proceeding is not dismissed within thirty (30) days from the date it is filed, or the making of an assignment for the benefit of its creditors by Tenant, or
the appointment of a trustee or receiver for Tenant or for the major part of Tenant’s property;
 
	  
 	  
 
	  
 	                      (ii)
 
	  
 	  
 
	  
 	                      (iii) the levy, execution or attachment against assets of
Tenant located in the Premises; or
 
	  
 	  
 
	  
 	                     (iv) Tenant’s failure to take possession or occupancy
of, or desertion or abandonment of, the Premises (or any substantial portion thereof), or the Premises (or any substantial portion thereof) otherwise becoming vacant.
 
	  
 	  
 
	  
 	            (b) In the event of any default as aforesaid by Tenant, Landlord, in addition to any and all other rights or remedies
it may have at law or in equity, shall have the option of pursuing any one or more of the following remedies:
 
	  
 	  
 
	  
 	                      (i) Landlord shall have the immediate right of reentry
and may remove all property from the Premises to a warehouse or elsewhere at the cost of, and for the account of Tenant, all without being deemed guilty of trespass or becoming liable for any loss, damage or damages which may be occasioned
thereby;
 
	  
 	  
 
	  
 	                      (ii) Landlord may terminate this Lease by giving notice
of termination, in which event this Lease shall expire and terminate on the date specified in such notice of termination, with the same force and effect as though the date so specified were the date herein originally fixed as the termination date of
the Term of this Lease, and all rights of Tenant under this Lease and in and to the Premises shall expire and terminate, and Tenant shall remain liable for all obligations under this Lease arising up to the date of such termination and Tenant shall
surrender the Premises to Landlord on the date specified in such notice;
 
	  
 	  
 
	  
 	                     (iii) Landlord may terminate this Lease as provided in
subparagraph 16(b)(ii) hereof and recover from Tenant all damages Landlord may incur by reason of Tenant’s default, including, without limitation, a sum which, at the date of such termination, represents the then value of the excess, if any, of
(A) the Base Monthly Rental, Additional Rent, and all other sums which would have been payable hereunder by Tenant for the period commencing with the day following the date of such termination and ending with the date hereinbefore set for the
expiration of the full term hereby granted, over (B) the aggregate reasonable rental value of the Premises (less reasonable brokerage commissions, attorneys’ fees and other costs relating to the reletting of the Premises) for the same period,
all of which excess sum shall be deemed immediately due and payable;
 
	  
 	  
 
	  
 	                      (v) Landlord may, from time to time without terminating
this Lease, and without releasing Tenant in whole or in part from Tenant’s obligation to pay Base Monthly Rental, Additional Rent and all other amounts due under this Lease and perform all of the covenants, conditions and agreements to be
performed by Tenant as provided in this Lease, make such alterations and repairs as may be necessary in order to relet the Premises, and, after making such alterations and repairs, Landlord may, but shall not be obligated to, relet the Premises or
any part thereof for such term or terms (which may be for a term extending beyond the Term of this Lease) at such rental or rentals and upon such other terms and conditions as Landlord in its sole discretion may deem advisable or acceptable; upon
each reletting, all rentals received by Landlord from such reletting shall be applied first, to the payment of any indebtedness other than rent due hereunder from Tenant to Landlord, second, to the payment of any costs and expenses of such
reletting, including brokerage fees and attorneys’ fees, and of costs of such alterations and repairs, third, to the payment of the Base Monthly Rental, Additional Rent and other charges due and unpaid hereunder, and the residue, if any, shall
be held by Landlord and applied against payments of future Base Monthly Rental, Additional Rent or other charges as the same may become due and payable hereunder; in no event shall Tenant be entitled to any excess rental received by Landlord over
and above charges that Tenant is obligated to pay hereunder, including Base Monthly Rental, Additional Rent and all other charges; if such rentals received from such reletting during any month are less than those to
 

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 	  be paid during the month by Tenant hereunder, including Base Monthly Rental, Additional Rent and all other charges, Tenant shall pay any such deficiency to Landlord, which
deficiency shall be calculated and paid monthly; Tenant shall also pay Landlord as soon as ascertained and upon demand all costs and expenses incurred by Landlord in connection with such reletting and in making any alterations and repairs which are
not covered by the rentals received from such reletting: notwithstanding any such reletting without termination, Landlord may at any time thereafter elect to terminate this Lease for such previous breach.
 
	  
 	  
 
	  
 	            (c) Landlord’s reentry, demand for possession, notice that the tenancy hereby created will be terminated on the
date therein named, institution of an action of forcible detainer or ejectment or the entering of a judgment for possession in such action or any other act or acts resulting in the termination of Tenant’s right to possession of the Premises
shall not relieve Tenant from Tenant’s obligation to pay all sums due hereunder, except as herein expressly provided. Landlord may collect and receive any Base Monthly Rental, Additional Rent or other charges due from Tenant, and the payment
thereof shall not constitute a waiver of or affect any notice or demand given, suit instituted or judgment obtained by Landlord, or be held to waive, affect, change, modify or alter the rights or remedies which Landlord has in equity or at law or by
virtue of this Lease.
 
	  
 	  
 
	  
 	            (d) In the event Landlord commences any proceedings for nonpayment of Base Monthly Rental, Additional Rent or other
sums due hereunder, Tenant will not interpose any counterclaim of whatever nature or description which is not directly related to the Lease in any such proceeding. This shall not, however, be construed as a waiver of Tenant’s right to assert
such claims in any separate action or actions brought by Tenant. Tenant hereby expressly and voluntarily waives any right to jury trial with respect to any action brought under or with respect to this Lease, and Landlord and Tenant acknowledge and
agree that any such action must be brought in a court located in DeKalb County, Georgia, and having jurisdiction therein.
 
	  
 	  
 
	  
 	           (e) All sums past due under this Lease shall bear interest at eighteen percent (18%) per annum, but in no event in
excess of the maximum lawful rate, from due date until paid-in-full.
 
	  
 	  
 
	  
 	            (f) Except as expressly provided in this Lease, Tenant hereby waives any and every form of demand and notice
prescribed by statute or other law, including without limitation the notice of any election of remedies made by Landlord under this Paragraph, demand for payment of any rent, or demand for possession.
 
	  
 	  
 
	  
 	            (g) All rights and remedies of Landlord created or otherwise existing at law are cumulative, and the exercise of one
or more rights or remedies shall not be taken to exclude or waive the right to exercise any other.
 
	  
 	  
 
	  
 	            (h) Tenant shall and hereby agrees to pay all costs and expenses incurred by Landlord in enforcing any of the
covenants and agreements of this Lease, or as a result of an action brought by Landlord against Tenant for an unlawful detainer of the Premises, and all such costs, expenses and attorneys’ fees shall, if paid by Landlord, be paid by Tenant to
Landlord within fifteen (15) days of Landlord’s written demand therefor, together with interest at eighteen percent (18%) per annum, but in no event in excess of the maximum lawful rate, from the date of Landlord’s payment
thereof.
 
	  
 	  
 
	 17.
 	  LANDLORD’S SERVICES.
 
	  
 	  
 
	  
 	  See Special Stipulation #10
 
	  
 	  
 
	  
 	            (a) Landlord shall render services and supplies incidental to this Lease in accordance with and as described in this
Paragraph 17, as follows:
 
	  
 	  
 
	  
 	                      (i) Landlord shall cause the Premises to be
cleaned.
 
	  
 	  
 
	  
 	                      (ii) Landlord shall furnish electric current for Building
standard tenant lighting and small business machinery only from electric circuits designated by Landlord for Tenant’s use. Such circuits will be fed into one or more of the existing electrical panel(s) in the electrical closets located on the
same Building floor as the Premises. Tenant’s usage of said panels on any given floor shall not exceed Tenant’s pro rata share (based on rentable square footage) of the panels’ capacity. Tenant will not use any electrical equipment
which in Landlord’s opinion will overload the wiring installations or interfere with the reasonable use thereof by other users in the Building. Tenant will not, without Landlord’s prior written consent in each instance, connect any items
such as non-Building standard tenant lighting, vending equipment, printing or duplicating machines, computers (other than desktop word processors and personal computers), auxiliary air conditioners, and other computer-related equipment to the
Building’s electrical system, or make any alteration or addition to the system. If Tenant desires any such items, additional 208/120 volt electrical power beyond that supplied by Landlord as provided above, electric current in excess of 208/120
volts for purposes other than Building standard tenant lighting, or other special power requirements or circuits, then Tenant may request Landlord to provide such supplemental power or circuits to the Premises, which request Landlord may grant or
withhold in its reasonable discretion. If Landlord furnishes such power or circuits, Tenant shall pay Landlord, on demand, the cost of the design, installation and maintenance of the facilities required to provide such additional or special electric
power or circuits and the cost of all electric current so provided at a rate not to exceed that which would be charged by Georgia Power Company, or its successor, if Tenant were a direct customer thereof. Landlord may require separate electrical
metering of such supplemental electrical power or circuits to the Premises, and Tenant shall pay, on demand, the cost of the design, installation and maintenance of such metering facilities. In no event shall Tenant have access to any electrical
closets in the Building, it being agreed that any electrical engineering design or contract work shall be performed at Tenant’s expense by Landlord or an electrical engineer and/or electrical contractor designated by Landlord. All invoices
respecting the design, installation and maintenance of the facilities requested by Tenant shall be paid within thirty (30) days of Tenant’s receipt thereof. Landlord’s charge to Tenant for the cost of electric current so provided shall be
paid within thirty (30) days of receipt of invoice by Tenant.
 
	  
 	  
 
	  
 	                     (iii) Landlord shall furnish seasonable air conditioning
and heating during normal business hours (8:00 a.m. to 6:00 p.m. Monday through Friday and 8:00 a.m. until 1:00 p.m. Saturday), said heat or air conditioning not being furnished Sunday or holidays observed by Landlord. Should Tenant desire either
heating or air conditioning at other times. Landlord agrees to provide same upon reasonable advance written request by Tenant, but at Tenant’s expense at such hourly rates as may be determined from time to time by Landlord, which charge Tenant
shall pay promptly upon being billed therefor. If Tenant installs equipment which in Landlord’s opinion produces enough heat to cause comfort problems in the Building or any part thereof, or if Tenant desires a supplemental air conditioning
system and Landlord has approved same, then Landlord may, at its option, either cause to be designed or permit Tenant to design a supplemental air conditioning system, subject to Landlord’s approval, and Landlord shall install such system
substantially in accordance with such design. If Tenant has requested such supplemental system. Tenant shall be responsible for determining that the design of such system is adequate for its needs. Tenant agrees to pay Landlord for such equipment,
design, installation, metering and consumption of electricity for supplemental air conditioning and to maintain such equipment at Tenant’s expense. If such supplemental air conditioning is installed at the request of either Tenant or Landlord
in a manner that utilizes the Building condenser water loop, Tenant shall pay a one-time tap fee, payable within thirty (30) days of invoicing from Landlord, of THREE HUNDRED EIGHTY AND NO/100THS DOLLARS ($ 380.00) per ton of cooling equipment
installed. Tenant shall also pay for the necessary pump and piping to connect the supplemental air conditioning equipment to the Building condenser water risers. Regardless of whether such supplemental air conditioning is tapped into the Building
condenser water loop, Tenant shall pay (in addition to the one-time tap fee, if applicable) each calendar quarter in advance, as additional rent, a usage charge based upon the tonnage of the cooling equipment installed. At the commencement of the
Term, this usage charge shall be EIGHTY AND NO/100THS DOLLARS ($80.00) per ton per year of cooling equipment. Such usage charge may be increased at any time and from time to time by the same percentage increase from the date of the last usage charge
adjustment if any, in the officially authorized rate schedule of Georgia Power Company, or its successors, applicable to the Building; provided, however, that in no event will such usage charge, as increased hereunder, ever be decreased pursuant to
any adjustments hereunder, it being agreed that if such a decrease would result, then no adjustment would be made until the next adjustment hereunder. Each adjustment may be made effective as of the effective date of such Georgia Power Company rate
schedule adjustment and shall remain in effect until the next adjustment is made hereunder.
 
	  
 	  
 
	  
 	           (b) Landlord shall not be liable for any damages directly or indirectly resulting from the installation, use or
interruption of use of any equipment in connection with the furnishing of services referred to in this Paragraph, and particularly any interruption in services by any cause beyond the immediate control of Landlord, provided Landlord shall use
reasonable diligence in the restoration of such services.
 
	  
 	  
 
	  18.
 	  DESTRUCTION OF PREMISES.
 
	  
 	  
 
	  
 	            Should the Premises be so damaged by fire or other cause that rebuilding or repairs cannot be completed within one
hundred eighty (180) days from the date of the fire, or other cause of damage, then either Landlord or Tenant may terminate this Lease by written notice to the other given within thirty (30) days of the date of such damage or destruction, in which
event rent shall be abated from the date of such damage or destruction. However, if the damage or destruction is such that rebuilding or repairs can be completed within one hundred eighty (180) days.
 

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 	  Landlord covenants and agrees, subject to the provisions of this Paragraph 18, to make such repairs with reasonable promptness and dispatch, and to allow Tenant an abatement in
the rent for such time as the Premises are untenantable or proportionately for such portion of the Premises as shall be untenantable, and Tenant covenants and agrees that the terms of this Lease shall not be otherwise affected. Such repairs and
restoration relating to Tenant’s initial leasehold improvements or otherwise made by or for Tenant shall be made at Tenant’s expense in accordance with plans and specifications approved by Landlord and Tenant. Repairs and restoration to
base Building improvements required by this Lease to be furnished by Landlord at its expense (other than Tenant’s initial leasehold improvements) shall be made at Landlord’s expense. In no event shall Landlord be required to repair or
replace any trade fixtures, furniture, equipment or other property belonging to Tenant; nor shall Landlord have any obligation to incur any cost to repair, reconstruct or restore the Premises or the Building in excess of insurance proceeds from the
casualty necessitating such work that are made available to Landlord, under its sole control, for such work. Notwithstanding anything to the contrary contained in this Paragraph, Landlord shall not have any obligation whatsoever to repair,
reconstruct or restore the Premises when the damage resulting from any casualty contained under this Paragraph occurs during the last twelve (12) months of the Term of this Lease.
 
	  
 	  
 
	 19.
 	  CONDEMNATION OF PREMISES.
 
	  
 	  
 
	  
 	            (a) If any part of the Premises shall be taken or appropriated by any public or quasi-public authority under the
power of eminent domain, Landlord shall have the right, at its option, to terminate this Lease effective as of the date possession is taken by said authority (unless all of the Premises are so taken in which case this Lease shall terminate), and
shall be entitled to any and all income, rent or award and any interest thereon whatsoever which may be paid or made in connection with such public or quasi-public use or purpose. Tenant hereby assigns to Landlord its entire interest in any and all
such awards, and shall have no claim against Landlord for the value of any portion of the unexpired Term. If a part of the Premises shall be so taken or appropriated, and Landlord does not elect to terminate this Lease, the Base Monthly Rental
thereafter to be paid shall be reduced by an amount bearing the same ratio to the total amount of Base Monthly Rental as the rentable area of the Premises so taken bears to the entire Premises.
 
	  
 	  
 
	  
 	            (b) If any part of the Building other than the Premises shall be so taken or appropriated, Landlord shall have the
sole right, at its option, to terminate this Lease and shall be entitled to the entire award as above provided, and in such case Tenant shall likewise have no claim against Landlord for the value of any unexpired Term of this Lease.
 
	  
 	  
 
	  
 	           (c) Nothing hereinbefore contained shall be deemed to deny to Tenant its right to claim from the condemning authority
compensation or damages for its trade fixtures and personal property, provided the condemning authority makes a separate award therefor.
 
	  
 	  
 
	  20.
 	  INSURANCE.
 
	  
 	  
 
	  
 	  See Special Stipulation #11
 
	  
 	  
 
	  
 	            Tenant shall carry “all risk” coverage insurance insuring Tenant’s interest in the improvements and
betterments to the Premises, including initial improvements installed by Landlord, and any and all furniture, equipment, supplies and other property owned, leased, held or possessed by it and contained therein, in an amount equal to the full
replacement cost thereof, subject to deductible amounts reasonably satisfactory to Landlord, plus business interruption insurance respecting Tenant’s operations from the Premises in an amount reasonably satisfactory to Landlord. Tenant shall
also procure and maintain throughout the Term a policy or policies of comprehensive general liability insurance, including contractual liability, insuring Tenant, Landlord and any other persons designated by Landlord, as additional insureds, against
any and all liabilities for injury to or death of a person or persons and for damage to property occasioned by or arising out of any construction work being done on the Premises, or arising out of the condition, use or occupancy of the Premises, or
in any way occasioned by or arising out of the activities of Tenant or its agents, employees or licensees in the Premises, or other portions of the Building, Building site and adjacent parking deck or parking areas in amounts not less than
$1,000,000 with respect to any one casualty or occurrence and $100,000 with respect to property damage, including fire legal liability. Landlord and Tenant shall each have included in all policies of insurance respectively obtained by them with
respect to the Building, Building site and adjacent parking deck or parking areas and/or the Premises a waiver by the insurer of all rights of subrogation against the other in connection with any loss or damage thereby insured against. So long as
both Landlord’s and Tenant’s policies then in force include such mutual waiver of subrogation, Landlord and Tenant, to the fullest extent permitted by law, each waive all right of recovery against the other for, and agree to release the
other from liability for, loss or damage to the extent such loss or damage is covered by valid and collectible insurance in effect at the time of such loss or damage. If such waiver of subrogation shall not be obtainable or shall be obtainable only
at a premium over that chargeable without such waiver, the party seeking such waiver shall notify the other thereof in writing, and the latter shall have ten (10) days in which either (i) to procure on behalf of the notifying party insurance with
such waiver from a company or companies reasonably satisfactory to the notifying party or (ii) to agree to pay such additional premium (in Tenant’s case, in the proportion which the rentable square footage of the Premises bears to the total
rentable square footage of the area covered by the insurance policy of Landlord). All insurance policies procured and maintained by Tenant pursuant to this Paragraph 20 shall be carried with companies licensed to do business in the State of Georgia
reasonably satisfactory to Landlord and shall be noncancellable except after thirty (30) days written notice to Landlord and any designees of Landlord. Such policies or duly executed certificates of insurance with respect thereto shall be delivered
to Landlord prior to the date that Tenant takes possession of the Premises, and renewals thereof as required shall be delivered to Landlord at least thirty (30) days prior to the expiration of each respective policy term.
 
	  
 	  
 
	 21.
 	  USUFRUCT ONLY.
 
	  
 	  
 
	  
 	            This contract shall create the relationship of landlord and tenant between Landlord and Tenant; no estate shall pass
out of Landlord; Tenant has only a usufruct, not subject to levy and sale.
 
	  
 	  
 
	  22.
 	  WAIVER.
 
	  
 	  
 
	  
 	            The waiver by Landlord of any breach of any term, covenant or condition herein contained shall not be deemed to be a
waiver of any other term, covenant or any subsequent breach of the same or any other term, covenant or condition herein contained. The subsequent acceptance of Base Monthly Rental, Additional Rent or other sums due hereunder by Landlord shall not be
deemed to be a waiver of any preceding breach by Tenant of any term, covenant or condition of this Lease, other than the failure of Tenant to pay the particular payment so accepted, regardless of Landlord’s knowledge of such preceding breach at
the time of acceptance of such payment. No covenant, term or condition of this Lease shall be deemed to have been waived by Landlord, unless such waiver is in writing signed by Landlord.
 
	  
 	  
 
	 23.
 	  ENTIRE AGREEMENT.
 
	  
 	  
 
	  
 	            This Lease sets forth all the covenants, promises, agreements, conditions and undertakings between Landlord and
Tenant concerning the Premises, and there are no covenants, promises, agreements, conditions or undertakings other than as herein set forth. No subsequent alteration, amendment, change or addition to this Lease, except as to changes or additions to
the Rules and Regulations described in Paragraph 34, shall be binding upon Landlord or Tenant unless reduced to writing and signed by authorized representatives of each of them.
 
	  
 	  
 
	  24.
 	  LANDLORD’S CONSENT.
 
	  
 	  
 
	  
 	            Except as expressly provided herein to the contrary, In every instance herein in which Landlord is called upon to
give its consent, such consent may be withheld for any reason or for no reason, or if granted, may be subject to those conditions which Landlord deems appropriate. No such consent shall be binding upon Landlord unless made expressly in writing
signed by Landlord.
 
	  
 	  
 
	  25.
 	  NOTICES.
 
	  
 	  
 
	  
 	           (a) Every notice, demand or request hereunder shall be in writing, and shall be deemed to have been properly given if
delivered personally or by courier, with a signed receipt, or if deposited with the United States Postal Service (or any official successor thereto) designated certified mail, return receipt requested, bearing adequate postage and addressed as
follows:
 

  - 5 -

	  
 	  If to Tenant:
 	  CRESCENT BANK AND TRUST COMPANY
 115 Perimeter Center Place
 Suite 285
 Atlanta, Georgia 30346
 
	  
 	  
 	  
 
	  
 	  If to Landlord:
 	  PERIMETER CENTER/SOUTH TERRACES ASSOCIATES
P.O. Box 88185
 Atlanta, Georgia 30356
 
	  
 	  
 	  
 
	  
 	  With copy to Leasing Agent:
 	  TAYLOR & MATHIS IV
 P.O. Box 88185
 Atlanta, Georgia 30356
 
	  
 	  
 
	  
 	 The foregoing addresses may be changed by thirty (30) days prior written notice from time to time.
 
	  
 	  
 
	  
 	            (b) Tenant hereby appoints as his agent to receive the service of all dispossessory or distraint
proceedings and notices thereunder, and all notices required under this Lease, the person in charge of or occupying the Premises at the time; and if no person is in charge or occupying same, then such service or notice may be made by attaching the
same on the main entrance to the Premises. A copy of all notices under this Lease shall also be sent to Tenant’s last address of which notice was given to Landlord in accordance with this Paragraph 25, if different from the Premises.

	  
 	  
 
	  26.
 	  TRANSFER OF TENANTS.
 
	  
 	  
 
	  
 	  See Special Stipulation #12
 
	  
 	  
 
	  
 	            Landlord reserves the right, upon thirty (30) days written notice, to transfer and remove Tenant from the
Premises to any other space of substantially equivalent size and area in the Park. Landlord shall bear the expense of said removal as well as the expense of any renovations or alterations necessary to make the new space conform in arrangement and
layout with the original space covered by this Lease.
 
	  
 	  
 
	 27.
 	  SUCCESSORS AND ASSIGNS; ATTORNMENT.
 
	  
 	  
 
	  
 	            The covenants, conditions and agreements herein contained shall inure to the benefit of and be binding
upon Landlord, its successors and assigns, and shall be binding upon Tenant, its heirs, executors, administrators, successors and assigns, and shall inure to the benefit of Tenant and only such assigns of Tenant to whom the assignment by Tenant has
been consented to by Landlord. Nothing contained in this Lease shall in any manner restrict Landlord’s right to assign or encumber this Lease in its sole discretion provided, however, any encumbrance or assignment shall not disturb
Tenant’s right to quiet possess of the Premises. Should Landlord assign this Lease as provided for above, or should Landlord enter into a security deed or other mortgage affecting the Premises and should the holder of such deed or mortgage
succeed to the interest of Landlord, Tenant shall be bound to said assignee or any such holder under all the terms, covenants and conditions of this Lease for the balance of the Term hereof remaining after such succession, and Tenant shall attorn to
such succeeding party as its Landlord under this Lease promptly under any such succession. Tenant agrees that should any party so succeeding to the interest of Landlord require a separate agreement of attornment regarding the matters covered by this
Lease, then Tenant shall enter into any such “attornment agreement,” provided the same does not modify any of the provisions of this Lease and has no  adverse effect upon Tenant’s continued occupancy of the Premises.

	  
 	  
 
	 28.
 	  TIME IS OF THE ESSENCE.
 
	  
 	  
 
	  
 	            Time is of the essence with respect to the performance of each of the covenants and agreements of this
Lease; provided, however, that failure of Landlord to provide Tenant with any notification regarding adjustments in Base Monthly Rental, reimbursements for any Operating Expense Increase or Estimated Operating Expense Increase, or any other charges
provided for hereunder, within the time periods prescribed in this Lease shall not relieve Tenant of its obligation to make such payments, which payments shall be made by Tenant at such time as notice is subsequently given.
 
	  
 	  
 
	  29.
 	  CAPTIONS; GOVERNING LAW.
 
	  
 	  
 
	  
 	            The captions of this Lease are for convenience of reference only and in no way define, limit or describe
the scope or intent of this Lease. The laws of the State of Georgia shall govern the validity, performance and enforcement of this Lease.
 
	  
 	  
 
	  30.
 	  SEVERABILTY.
 
	  
 	  
 
	  
 	           Landlord and Tenant intend and believe that each provision in this Lease is in accordance with all
applicable local, state and federal laws and judicial decisions. However, if any provision or provisions, or if any portion of any provision or provisions, in this Lease is ultimately determined by a court of law to be in violation of any local,
state or federal ordinance, statute, law, administrative or judicial decision, or public policy, and if such court shall declare such portion, provision or provisions of this Lease to be illegal, invalid, unlawful, void or unenforceable as written,
then it is the intent both of Landlord and Tenant that such portion, provision or provisions shall be given force to the fullest possible extent that they are legal, valid and enforceable, that the remainder of this Lease shall be construed as if
such illegal, invalid, unlawful, void or unenforceable portion, provision or provisions were not contained herein, and that the rights, obligations and interest of Landlord and Tenant under the remainder of this Lease shall continue in full force
and effect, unless the amount of Base Monthly Rental, Additional Rent or other charges payable hereunder is thereby decreased, in which event Landlord may terminate this Lease.
 
	  
 	  
 
	  31.
 	  SUBORDINATION.
 
	  
 	  
 
	  
 	  See Special Stipulation #13
 
	  
 	  
 
	  
 	           At the option of Landlord, Tenant agrees that this Lease shall remain subject and subordinate to all
present and future mortgages, deeds to secure debt or other security instruments (the “Security Deeds”) affecting the Building or the Premises, and Tenant shall promptly execute and deliver to Landlord such certificate or
certificates in writing as Landlord may request, showing the subordination of the Lease to such Security Deeds, and in default of Tenant so doing. Landlord shall be and is hereby authorized and empowered to execute such certificate in the name of
and as the act and deed of Tenant, this authority being hereby declared to be coupled with an interest and to be irrevocable. Tenant shall upon request from Landlord at any time and from time to time execute, acknowledge and deliver to Landlord a
written statement certifying as follows: (i) that this Lease is unmodified and in full force and effect (or if there has been modification thereof, that the same is in full force and effect as modified and stating the nature thereof); (ii) that to
the best of its knowledge there are no uncured defaults on the part of Landlord (or if any such default exists, the specific nature and extent thereof); (iii) the date to which any rent and other charges have been paid in advance, if any; and (iv)
such other matters as Landlord may reasonably request. Tenant irrevocably appoints Landlord as its attorney-in-fact, coupled with an interest, to execute and deliver, for and in the name of Tenant, any document or instrument provided for in this
Paragraph.
 
	  
 	  
 
	  32.
 	  ATTORNEYS’ FEES.
 
	  
 	  
 
	  
 	  See Special Stipulation #14
 
	  
 	  
 
	 33.
 	  LIMITATION OF LIABILITY.
 
	  
 	  
 
	  
 	            Landlord’s obligations and liability to Tenant with respect to this Lease shall be limited solely to
Landlord’s interest in the Building, and neither Landlord nor any of the joint venturers of Landlord, nor any officer, director, partner or shareholder of Landlord or any of the joint venturers of Landlord, shall have any personal liability
whatsoever with respect to this Lease.
 
	  
 	  
 
	  34.
 	  RULES AND REGULATIONS.
 
	  
 	  
 
	  
 	            The rules and regulations (herein called the “Rules and Regulations”) printed upon this
instrument on the attached Exhibit B shall be and are hereby made a part of this Lease. Tenant, its employees and agents, will perform and abide by said Rules and Regulations, and any amendments or additions to said Rules and Regulations as
may be made from time to time by Landlord.
 
	  
 	  
 
	 35.
 	  SPECIAL STIPULATIONS.
 
	  
 	  
 
	  
 	            Insofar as the special stipulations, if any, set forth in the special stipulations attachment to this
Lease conflict with any of the foregoing provisions, the special stipulations shall control. Such special stipulations are expressly incorporated herein by this reference.
 
				

  - 6 -

	            IN WITNESS WHEREOF, the parties hereto have herein set their hands and seals, the day and year set forth opposite
their respective signatures below, effective as of the date first above written.
 

 

	  Signed, sealed and delivered by Landlord this 4thday of February, 1993, in the presence of:
 	  
 	  LANDLORD:
 
	  
 	  
 	  TAYLOR & MATHIS/SOUTH TERRACES, LTD., managing joint venturer for
PERIMETER CENTER/SOUTH TERRACES ASSOCIATES, a joint venture composed of TAYLOR & MATHIS/SOUTH TERRACES,
LTD., a Georgia limited partnership, and METROPOLITAN LIFE INSURANCE COMPANY, a New York corporation
 
	  
 	  
 	  
 
	 /s/ 
 	  
 	  
 
	 
 	  
 	  
 
	  Unofficial Witness
 	   
 	   
 
	  
 	  
 	  
 
	  /s/ 
 	  
 	  By:
 	  /s/ 
 	  (SEAL)
 
	 
 	  
 	  
 	 
 	  
 
	  Notary Public
 	  
 	  
 	  General Partner
 	  
 
	  
 	  
 	  
 
	 My Commission Expires:
 	  Notary Public, Fulton County, Georgia.
 My Commission Expires June 24, 1994.
 	  
 	  By:
 	  /s/ 
 	  (SEAL)
 
	  
 	  
 	  
 	  
 	 
 	  
 
	  
 	  
 	  
 	  
 	  General Partner
 	  
 
	  
 	  
 	  
 
	  Signed, sealed and delivered by Tenant this 2nd day of February, 1993, in the presence of:
 	  
 	  TENANT:
 
	  
 	  
 	 CRESCENT BANK AND TRUST COMPANY, a
 Georgia corporation
 
	  /s/ 
 	  
 	  
 
	 
 	   
 	   
 
	  Unofficial Witness
 	   
 	   
 
	  
 	  
 	  
 
	  /s/ 
 	  
 	  By:
 	  /s/ 
 	  (SEAL)
 
	 
 	  
 	  
 	 
 	  
 
	 Notary Public
 	  
 	  Name
 	  [ILLEGIBLE]
 	  
 
	   
 	  
 	  Title
 	  Pres
 	  
 
	  
 	  
 	  
 
	  My Commission Expires:
 	  Notary Public, Fulton County, Georgia.
 My Commission Expires June 24, 1994.
 	  
 	  Attest:
 	  /s/ 
 	  (SEAL)
 
	  
 	  
 	  
 	 
 	  
 
	  (NOTARIAL SEAL)
 	  
 	  Name
 	  [ILLEGIBLE]
 	  
 
	  
 	  
 	 Title
 	  Ex. V.P.
 	  
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  (CORPORATE SEAL)
 	  
 
	  
 	  
 	  
 
	  
 	  
 	  LEASING AGENT:
 
	  
 	  
 	  
 
	  Signed, sealed and delivered by Leasing Agent this 4th day of February, 1993, in the presence of:
 	  
 	  TAYLOR & MATHIS IV
 
	  
 	  
 	  
 
	 /s/ 
 	  
 	  
 
	 
 	  
 	  
 
	  Unofficial Witness
 	  
 	  
 
	  
 	  
 	  
 
	  /s/ 
 	  
 	  By:
 	  /s/ 
 	  (SEAL)
 
	 
 	  
 	  
 	 
 	  
 
	  Notary Public
 	   
 	   
 	  General Partner
 	   
 
	   
 	  
 	  
 
	 My Commission Expires:
 	  Notary Public, Fulton County, Georgia.
 My Commission Expires June 24, 1994.
 	  
 	  
 
	  
 	  
 	  
 
	  (NOTARIAL SEAL)
 	  
 	  
 
											

  - 7 -

   SPECIAL STIPULATIONS

	  1.
 	  COMPLETION OF IMPROVEMENTS
 
	  
 	  
 
	  
 	  Landlord shall perform the work to be performed by Landlord with respect to the Premises in accordance with the work schedule attached hereto as Exhibit C and
incorporated herein (the “Work Schedule”), and shall deliver possession of the Premises to Tenant when same are ready for occupancy (that is, ready for Tenant to move its personal property into the Premises). Upon such date on which
the Premises are ready for occupancy, Tenant agrees to accept delivery and enter upon the Premises for the purpose of installing its personal property contemporaneously with any remaining work of Landlord.
 
	  
 	  
 
	 2.
 	  POSSESSION
 
	  
 	  
 
	  
 	  Notwithstanding anything contained in Paragraph 4 of the Lease, if Landlord fails to deliver possession of the Premises substantially completed and ready for Tenant’s
occupancy by April 15, 1993, and if such failure is for reason other than a delay caused by Tenant, then Tenant shall have the right to terminate this Lease effective April 15, 1993 without penalty by providing Landlord with written notice within
five (5) days after April 15, 1993.
 
	  
 	  
 
	  3.
 	  BASE MONTHLY RENTAL
 
	  
 	  
 
	  
 	  Tenant shall pay in advance to Landlord in care of Agent at Agent’s address for notice set out in Paragraph 25 hereof, or at such other place as Landlord shall designate in
writing, promptly, without demand, on the first day of each month during the Term a base monthly rental (the “Base Monthly Rental”), in the amount determined according to the following schedule:
 

 

	  PERIOD
 	   
 	  ANNUALIZED BASE MONTHLY
 RENTAL RATE PER
 RENTABLE SQUARE FOOT
 	   
 	  BASE MONTHLY RENTAL
 	  
 
	 
 	  
 	 
 	  
 	 
 	  
 
	 2/15/93- 3/31/93
 	  
 	  $
 	  0.00
 	  
 	  $
 	  0.00
 	  
 
	  4/01/93- 4/30/93
 	  
 	  $
 	  7.00
 	  
 	  $
 	  1,747.67
 	  
 
	  5/01/93- 2/28/94
 	  
 	  $
 	  14.00
 	  
 	  $
 	  3,495.33
 	  
 
	 3/01/94- 2/28/95
 	  
 	  $
 	  16.00
 	  
 	  $
 	  3,994.67
 	  
 
	  3/01/95- 8/15/96
 	  
 	  $
 	  18.00
 	  
 	  $
 	  4,494.00
 	  
 

 

	  
 	  If the Term commences on a day other than the first day of a month, or terminates on a day other than the last day of a month, the Base Monthly Rental for the first and last
partial month shall be prorated based upon the actual number of days in such a month. The Base Monthly Rental shall be due and payable in all events, without any setoff or deduction whatsoever.
 
	  
 	  
 
	  4.
 	  BASE MONTHLY RENTAL ADJUSTMENT
 
	  
 	  
 
	  
 	 Landlord and Tenant agree that at the end of each and every Lease Year, as herein defined, during the Term, the Base Monthly Rental, as increased by previous rental adjustments
hereunder, shall be increased for the next succeeding Lease Year by an amount equal to the product of (a) the Base Monthly Rental, as increased by previous rental adjustments hereunder, at the end of the Lease Year immediately preceding the Lease
Year for which the increase is being calculated, multiplied by (b) four percent (4%). Each adjustment shall remain in effect until the next such annual adjustment is made. For all purposes under this Special Stipulation 4, it shall be deemed that
the Base Monthly Rental for the first Lease Year shall be THREE THOUSAND FOUR HUNDRED NINETY FIVE AND 33/100 DOLLARS ($3,495.33), regardless of the amount actually paid, and all future rental adjustments shall be calculated as if the Base Monthly
Rental for the first Lease Year were $3,495.33.
 
	  
 	  
 
	  
 	  Whenever the term “Additional Rent” appears as contained in the Lease, such reference shall apply to rental adjustments as called for in Special Stipulation 4
herein.
 
	  
 	  
 
	  5.
 	  TENANT’S ACCEPTANCE
 
	  
 	  
 
	  
 	  Tenant’s acceptance of the Premises as provided for in Paragraph 10 herein, shall be subject to “punch list items” which are details of construction, which, in
the aggregate, are minor in character and do not materially interfere with Tenant’s use or enjoyment of the Premises. Within ten (10) days after the date of substantial completion of the improvements to the Premises, Landlord’s
representative and Tenant’s representative shall inspect the Premises for purposes of compiling a list of punch list items. Landlord shall be obligated to correct the punch list items within thirty (30) days after completion of said punch list,
unless any item or items included on said punch list cannot reasonably be completed within thirty (30) days, in which case Landlord shall have begun
 

	  
 	 correcting and diligently pursues the correction of those items within said thirty (30) day period.
 
	  
 	  
 
	  6.
 	  ASSIGNMENT AND SUBLETTING
 
	  
 	  
 
	  
 	  Landlord’s consent to Tenant’s request to a sublease or an assignment of the Lease shall not be unreasonably withheld; provided, however, in determining whether or not
to give or withhold its approval to any proposed sublessee or assignee hereunder, Landlord is entitled to consider, without limitation, the creditworthiness of such proposed sublessee or assignee, the character and/or type of business of such
proposed sublessee or assignee, the impact of such sublessee or assignee and its business on the image of the Building and the project, and whether or not such sublessee or assignee will favorably coexist and mix with, and not detract from the
character and quality of the Building as a first class, top quality office building.
 
	  
 	  
 
	  
 	  Tenant recognizes and acknowledges that Landlord’s concern for the quality, character, image and tenant mix of the Building and tenants within the Building is for the
protection and benefit of Tenant and all other tenants in the Building, and that failure of Landlord to give its approval to a proposed sublessee or assignee hereunder shall not be unreasonable where Landlord determines that the proposed sublessee
or assignee will detract from the quality, character, image and/or tenant mix of the Building as required for a first-class, top-quality office building.
 
	  
 	  
 
	  
 	 Landlord may elect to terminate the Lease pursuant to Paragraph 11 (b)(l), provided however, Tenant shall have five (5) days from receipt of Landlord’s notice of intent to
terminate to withdraw Tenant’s request to assign or sublease.
 
	  
 	  
 
	  7.
 	  ALTERATIONS AND IMPROVEMENTS
 
	  
 	  
 
	  
 	  Paragraph 13 (a) of the Lease shall read as follows: No alteration in, or addition to, the Premises will be made without first obtaining Landlord’s prior written consent,
and any such work consented to shall be paid for by Tenant and shall be performed by Landlord.
 
	  
 	  
 
	  
 	  If such alteration or addition involves the mechanical, electrical, or plumbing systems of the Building, or affects any portion of the Building other than the Premises, or is
visible from outside the Premises, then Landlord may withhold its consent for any reason or for no reason.
 
	  
 	  
 
	  
 	  If such alteration or addition does not involve the mechanical, electrical, or plumbing systems of the Building, and does not affect any portion of the Building other than the
Premises, and is not visible from the outside of the Premises then, notwithstanding the provisions of Paragraph 24 of the Lease, Landlord’s consent shall not be unreasonably withheld.
 
	  
 	  
 
	 8.
 	  REPAIRS TO THE PREMISES
 
	  
 	  
 
	  
 	  Landlord shall keep and maintain in good repair and working order and make all repairs to and perform necessary maintenance upon the land and common Building facilities,
including, but not limited to, the structural components, and base Building mechanical, plumbing and electrical systems; paved areas and drives, landscaping, exterior walls and roof; and interior walls, floors and ceilings of the common Building
facilities. Subject to the foregoing, Tenant shall at its own cost and expense, keep in good repair all portions of the Premises, including but not limited to, interior windows within the Premises (not to include exterior windows of the Building
shell whether or not exposed to the outside of the Building, unless same is damaged by the fault of the Tenant), glass and plate glass, doors, any special store front, interior walls and finish work, floors and floor coverings, and supplemental or
special heating and air conditioning systems, and shall take good care of the Premises and its fixtures and permit no waste, except normal wear and tear with due consideration for the purpose for which the Premises are leased. Tenant shall maintain
and replace, at its cost and expense, all light bulbs and fixtures in the Premises that are not the Building’s standard 2’ by 4’ florescent light fixtures and bulbs therefor.
 
	  
 	  
 
	  9.
 	  DEFAULTS AND REMEDIES
 
	  
 	  
 
	  
 	 Paragraph 16(a)(ii) shall read as follows:
 
	  
 	  
 
	  
 	  Tenant’s failure to pay the Base Monthly Rental, Additional Rent or any other sum due hereunder if such non-payment continues for five (5) or more days after Tenant’s
receipt of written notice from Landlord of such non-payment, (provided, however, that any failure to make any such payment on or before its due date shall constitute an event of default after two
 

 
SPECIAL STIPULATIONS
Crescent Bank
 Page 2 of 5

	  
 	  (2) notices of late payments in any one calendar year), or Tenant’s default in the prompt and full performance of any other provision of this Lease and Tenant
does not commence to cure and diligently pursue the completion of the cure of the default thirty (30) days after written demand by Landlord that the default be cured (unless the default involves a hazardous condition, which shall be cured forthwith
upon Landlord’s demand);
 
	  
 	  
 
	  10.
 	  LANDLORD’S SERVICES
 
	  
 	  
 
	  
 	  Paragraph 17(a) of the Lease shall continue as follows:
 
	  
 	  
 
	  
 	 (iv)
 	  Landlord shall furnish Tenant passenger elevator service 24 hours a day, seven days a week.
 
	  
 	  
 	  
 
	  
 	  (v)
 	  Landlord shall furnish cold running potable water.
 
	  
 	  
 	  
 
	  
 	  (vi)
 	  The security system currently in place includes 24 hour roving security.
 
	  
 	  
 	  
 
	  
 	  (vii)
 	  Landlord shall cause the Premises to be cleaned nightly, five (5) nights per week after normal business hours.
 
	  
 	  
 	  
 
	  11.
 	  INSURANCE
 
	  
 	  
 
	  
 	 Landlord shall maintain fire and full extended coverage insurance with reputable insurance companies authorized to conduct business in the state of Georgia, such
policies to cover Landlord’s property at full replacement cost. Provided the Landlord is Metropolitan Life Insurance Company, or any entity whose ownership is comprised in whole or in part by Metropolitan Life Insurance Company, the Landlord
reserves the right to “self insure” any of its obligations with respect to this Lease.
 
	  
 	  
 
	  12.
 	  TRANSFER OF TENANTS
 
	  
 	  
 
	  
 	  In the event that Landlord exercises its right under Paragraph 26 herein, Landlord shall be responsible for actual and reasonable expenses incurred by Tenant to
relocate, which shall be limited to the cost of the physical move of Tenant’s office equipment, reprinting of stationery and business cards, and relocation of telephone equipment. Landlord shall also be responsible for providing that the
“build-out of such substitute space shall be reasonably similar to that of the original Premises.
 
	  
 	  
 
	  13.
 	  SUBORDINATION
 
	  
 	  
 
	  
 	 Notwithstanding anything contained in Paragraph 31 herein to the contrary, the subordination of this Lease and Tenant’s rights hereunder to any security deed is
and shall be conditioned upon the holder of such security deed agreeing that this Lease and Tenant’s rights hereunder shall not be disturbed so long as there exists no event of default by Tenant under the terms and provisions of this Lease.
Landlord represents that, as of the date of execution of this Lease, there exists no Security Deed or underlying ground lease affecting the Building.
 
	  
 	  
 
	  14.
 	  ATTORNEYS’ FEES
 
	  
 	  
 
	  
 	  If either party commences an action against the other party arising out of or in connection with this Lease the prevailing party shall be entitled to have and
recover from the losing party reasonable attorneys’ fees and costs of suit.
 
	  
 	  
 
	  15.
 	  PARKING
 
	  
 	  
 
	  
 	  At all times during the Term of this Lease, Landlord shall provide Tenant’s employees and visitors with free, unassigned parking (in the adjacent parking deck)
at a ratio of three (3.0) spaces per 1,000 rentable square feet of office space leased, to include any expansion space incorporated into the Premises after the commencement of the Term of this Lease.
 
	  
 	  
 
	 16.
 	  QUIET ENJOYMENT
 
	  
 	  
 
	  
 	  Landlord agrees that Tenant upon observing, performing and keeping all the covenants and agreements herein contained on its part to be observed, shall and may
lawfully, peacefully and quietly have, hold, use, occupy, possess, and enjoy the Premises for and during all of the Term without disturbance by Landlord, or by any person claiming by, through or under Landlord.
 
	  
 	  
 
	  17.
 	  RIGHT OF FIRST REFUSAL
 
	  
 	  
 
	  
 	  Provided Tenant has not assigned or sublet all or any portion of the
 

  SPECIAL
STIPULATIONS
 Crescent Bank
 Page 3 of 5

	  
 	  Premises and is not in default in the performance of or with respect to any of the terms, covenants and conditions of the Lease, Tenant shall have the right of first
refusal to lease additional space in strict accordance with the terms of this Special Stipulation 17.
 
	  
 	  
 	  
 
	  
 	 (a)
 	  Subject to the provisions of this Special Stipulation 17, before Landlord, during the Term of this Lease, enters into any lease with a third party for any portion of
the space on the second floor of the Building, which space contains approximately 1,971 RSF and is specified on Exhibit E attached hereto and by reference incorporated herein, such space being hereinafter referred to as the “First
Refusal Space”, Landlord must first notify Tenant in writing of Landlord’s intention to lease such space to such third party tenant, which notice shall specifically describe the portion of the First Refusal Space proposed to be leased.
Tenant shall have five (5) days after the date on which Tenant receives such notice from Landlord in which to lease the space, in its entirety, being proposed to the third party tenant.
 
	  
 	  
 	  
 
	  
 	  
 	  If Tenant notifies Landlord in writing during such five (5) day period that it elects to lease such space (such notice being hereinafter referred to as the
“Election Notice”), then Landlord and Tenant shall promptly execute an amendment to this Lease with respect to such space providing for the following:
 
	  
 	  
 	  
 
	  
 	  
 	  (i)
 	  The commencement date of the lease term for such space shall be the first day of the calendar month following the thirtieth (30th) day after the day Landlord receives
Tenant’s Election Notice;
 
	  
 	  
 	  
 	  
 
	  
 	  
 	 (ii)
 	  Tenant shall be entitled to an allowance for Tenant Improvements design and construction for such space equal to the product of (x) the total rentable square footage in the
First Refusal Space to be leased by Tenant, times (y) $2.50 times (z) a percentage (not greater than 100%) determined by dividing thirty-six (36) months into the number of months of the Term remaining after the commencement date of the lease term
for such portion of the First Refusal Space;
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  (iii)
 	  The Base Monthly Rental for such space shall be calculated in accordance with the Annualized Base Monthly Rental Rate per Rentable Square Foot as set forth in Special
Stipulation 3 herein and as escalated pursuant to Stipulation 4 herein;
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  (iv)
 	  The lease term for any First Refusal Space so leased shall be coterminous with the Term; and
 
	  
 	  
 	  
 	  
 
	  
 	  
 	 (v)
 	  All other terms and conditions for the lease of such space shall be the same as in effect under this Lease, except to the extent such terms and conditions are inconsistent with
the foregoing terms.
 
	  
 	  
 	  
 	  
 
	  
 	  (b)
 	  If Tenant either notifies Landlord that it does not intend to lease the subject portion of the First Refusal Space or fails to exercise its option to lease such
space by written notice to Landlord of such exercise delivered within the five (5) day period set forth in the second sentence of subparagraph (a) above, then Landlord shall be free to enter into any lease with such third party tenant with respect
to all or any part of the portion of the First Refusal Space described in the notice from Landlord to Tenant, plus additional space leased in conjunction therewith and adjacent thereto having in the aggregate no more than twenty percent (20%) of the
rentable square footage of the space described in such notice.
 
	  
 	  
 	  
 
	  
 	  (c)
 	  Notwithstanding any other provisions of this Special Stipulation 17 to the contrary, the provisions of this Special Stipulation 17, and all rights granted hereunder,
shall be null and void and of no further force or effect from and after the date that is twelve (12) months prior to the expiration date of the Term as set forth in Paragraph 2 of this Lease.
 
	  
 	  
 	  
 
	  
 	 (d)
 	  Landlord agrees that, if it enters into any lease with a third party tenant as permitted hereunder, it will retain the right to relocate such tenant to other
premises in the Building, and upon request by Tenant and Tenant agreeing to pay all costs associated with said relocation, Landlord will relocate the third party tenant.
 
	  
 	  
 	  
 
	  18.
 	  SATELLITE DISH
 
	  
 	  
 
	  
 	  Tenant shall have the right, subject to and in strict accordance with the terms of this Special Stipulation 18, during the Term, including any Extension Term, to
install, use and maintain at Tenant’s sole cost and
 

  SPECIAL STIPULATIONS
Crescent Bank
 Page 4 of 5

	  
 	  expense a satellite dish on the roof of the Building, in a location that is mutually acceptable to both parties. Tenant shall not be obligated to pay any rent for such dish, and
Tenant shall have the right to run conduit from the dish to the Premises through the electrical closets in the core of the Building, all subject to Landlord’s approval. The size of said dish shall not exceed 21 inches in diameter. Tenant shall
provide Landlord with plans and specifications with regards to the design, location, materials and method of installation of said dish for Landlord’s consent. Tenant, at Tenant’s sole cost and expense, agrees to construct such screens or
other structures as Landlord shall require to conceal such dish from view so as to lessen any adverse aesthetic impact on the Building and the Park; provided, however, that no such screens or other structure shall be erected by Landlord on the roof
of the Building which will in any way impair the operation, use or enjoyment of said dish, or cause the installation, operation or use of said dish to violate any laws, rules or regulations of any governmental body having jurisdiction. Said dish and
any installation relating thereto shall be installed and used in compliance with all laws, rules and regulations of any governmental authority having jurisdiction. Tenant shall indemnify and hold Landlord harmless from and against any and all loss,
cost, claim, expense and demand arising from and out of or in any manner connected with Tenant’s installation, use, maintenance, and removal and enjoyment of said dish, and Tenant hereby agrees that any such dish installed or used pursuant to
this Lease may be used solely by Tenant, or any subsidiary, parent and/or affiliate of Tenant and in no event shall Tenant have the right to assign or sublet any of these rights to any other entities or persons. Tenant shall have the right to remove
said dish at any time during the Term, or by the expiration of the Term, provided Tenant repairs any damage to the roof of the Building caused by said removal to the satisfaction of Landlord, at Tenant’s sole expense.
 
	  
 	  
 
	 19.
 	  HAZARDOUS MATERIALS
 
	  
 	  
 
	  
 	  Tenant shall not store or use or permit the storage or use within the Premises of any hazardous or toxic waste, contaminants, oil, radioactive or other materials the removal of
which is required or the maintenance of which is prohibited, regulated or penalized by any local, state or federal agency, authority or governmental unit.
 

  DHD
 2/1/93

STIPS\CRESCENT
  SPECIAL STIPULATIONS
 Crescent Bank
 Page 5 of 5

   [FLOOR PLAN]

	  
 	 Premises
 
	  
 	 2,607
 	  
 	 Usable S.F.
 
	  
 	 389
 	  
 	 Prorata Share of Common Area
 
	  
 	 
 	  
 	  
 
	  
 	 2,996
 	  
 	 Rentable S.F.
 

  EXHIBIT A

   RULES AND REGULATIONS
       1.   The sidewalks and public
portions of the Building, such as entrances, passages, courts, elevators, vestibules, stairways, corridors or halls, shall not be obstructed or encumbered by Tenant or used for any purpose other than ingress and egress to and from the
Premises.
       2.   No curtains, blinds, shades, louvered openings or screens shall be attached to or hung in, or used in connection with, any window or
door of the Premises, without the prior written consent of Landlord.
       3.   No sign, advertisement, notice or other lettering shall be exhibited,
inscribed, painted or affixed by Tenant on any part of the outside of the Premises or Building or on corridor walls. Signs on entrance door or doors shall conform to Building standard signs, samples of which are on display in Landlord’s rental
office. Signs on doors shall, at Tenant’s expense, be inscribed, painted or affixed for each tenant by sign makers approved by Landlord. In the event of the violation of the foregoing by Tenant, Landlord may remove same without any liability
and may charge the expense incurred by such removal to Tenant.
      4.   The sashes, sash doors, skylights, windows, heating, ventilating and air
conditioning vents and doors that reflect or admit light and air into the halls, passageways or other public places in the Building shall not be covered or obstructed by Tenant, nor shall any bottles, parcels or other articles be placed on the
window sills.
       5.   The water and wash closets and other plumbing fixtures shall not be used for any purposes other than those for which they were
constructed, and no sweepings, rubbish, rags or other substances shall be thrown therein. All damages resulting from any misuse of the fixtures shall be borne by Tenant, if caused by it or its agents, employees, contractors, licensees or
invitees.
       6.   Tenant shall not in any way deface any part of the Premises or the Building. Tenant shall lay linoleum, or other similar floor covering,
so that the same shall come in direct contact with the floor of the Premises, and, if linoleum or other similar floor covering is desired to be used, an interlining of builder’s deadening felt shall be first affixed to the floor by a paste or
other material, soluble in water, the use of cement or other similar adhesive material being expressly prohibited.
       7.   No bicycles, vehicles or
animals (except seeing eye dogs) of any kind shall be brought into or kept in or about the Premises. No cooking shall be done or permitted by Tenant on the Premises except in conformity with law and then only in the utility kitchen, if any, as set
forth in Tenant’s layout, which is to be primarily used by Tenant’s employees for heating beverages and light snacks.  Tenant shall not cause or permit any unusual or objectionable odors to be produced upon or permeate from the
Premises.
       8.   No space in the Building shall be used for manufacturing or distribution, or for the storage of merchandise or for the sale of
merchandise, goods or property of any kind at auction.
       9.   Tenant shall not make, or permit to be made, any unseemly or disturbing noises or disturb
or interfere with occupants of the Building or neighboring buildings or premises or those having business with them, whether by the use of any musical instrument, radio, talking machine, unmusical noise, whistling, singing, or in any other
way.
     10.  Neither Tenant, nor any of Tenant’s agents, employees, contractors, licensees or invitees, shall at any time put up or operate fans or electrical
heaters or bring or keep upon the Premises flammable, combustible or explosive fluid, or chemical substance, other than reasonable amounts of cleaning fluids or solvents required in the normal operation of Tenant’s business offices. No
offensive gases or liquids will be permitted.
      11.  No additional locks or bolts of any kind shall be placed upon any of the doors or windows by Tenant, nor shall
any changes be made in existing locks or the mechanism thereof, without the prior written approval of Landlord and unless and until a duplicate key is delivered to Landlord. Tenant shall, upon termination of its tenancy, restore to Landlord all keys
of stores, offices and toilet rooms, either furnished to, or otherwise procured by, Tenant, and in the event of the loss of any keys so furnished, Tenant shall pay to Landlord the cost thereof.
      12.  All moves in or out of the Premises, or the carrying in or out of any safes, freight, furniture or bulky matter of any description, must take place during the hours which Landlord or its
agent may determine from time to time. Only the Building freight elevator shall be used for such purposes. Tenant will insure that movers take necessary measures required by Landlord to protect the Building (e.g., windows, carpets, walls, doors and
elevator cabs) from damage. Landlord reserves the right to inspect all freight to be brought into the Building and to exclude from the Building all freight which violates any of these Rules and Regulations or the Lease of which these Rules and
Regulations are a part.
      13.  Tenant shall not place any furniture accessories or other materials on any balconies located within or adjacent to the Premises
without having obtained Landlord’s express written approval thereof in each instance.
      14.  Landlord shall have the right to prohibit advertising by, Tenant
which in Landlord’s opinion tends to impair the reputation of the Building or its desirability as a building for offices, and upon written notice from Landlord, Tenant shall refrain from or discontinue such advertising.
     15.  Landlord reserves the right to exclude from the Building at all times, other than business hours, all persons who do not present a pass to the Building signed by Tenant. Tenant
shall be responsible for all persons to whom it issues such a pass and shall be liable to Landlord for all acts of such persons.
      16.  The Premises shall not be
used for lodging or sleeping or for any immoral or illegal purpose.
      17.  The requirements of Tenant will be attended to only upon application at the management
office for the Building. Building employees shall not perform any work or do anything outside of their regular duties, unless under special instructions from the office of Landlord.
      18.  Canvassing, soliciting and peddling in the Building are prohibited, and Tenant shall cooperate to prevent the same.
      19.  There shall not be used in any space, or in the public halls of the Building, either by Tenant or by its jobbers or others, in the delivery or receipt of merchandise, any hand trucks,
except those equipped with rubber tires and side guards. No hand trucks, mail carts or mail bags shall be used in passenger elevators.
  EXHIBIT B
Page 1 of 2

       20.  All paneling or other wood products not considered furniture shall be of fire retardant materials.  Before installation of such
materials, certification of the materials’ fire retardant characteristics shall be submitted to Landlord or its agents, in a manner satisfactory to Landlord.
      21.  Tenant shall not employ any persons other than the janitors retained by Landlord (who will be provided with pass-keys into the offices) for the purpose of cleaning or taking charge of the
Premises. It is understood and agreed that Landlord shall not be responsible to any tenant for any loss of property from rented premises, however occurring, or for any damage done to furniture or other effects of any tenant by the janitor or any of
its employees.
     22.  No painting shall be done, nor shall any alterations be made, to any part of the Building by putting up or changing any partitions, doors or
windows, nor shall there be any nailing, boring or screwing into the woodwork or walls, nor shall any connection be made to the electric wires or electric fixtures, without the consent in writing on each occasion of Landlord. No sunscreen or other
films shall be applied to the interior surface of any window glass. All glass, locks and trimmings in or upon the doors and windows of the Building shall be kept whole, and when any part thereof shall be broken, the same shall be immediately
replaced or repaired and put in order at Tenant’s expense under the direction and the satisfaction of Landlord, and shall be left whole and in good repair.
      23.  Landlord will post on the Building directories one name only for Tenant at no charge. All additional names which Tenant shall desire put upon said directories must be first consented to
by Landlord, and if so approved, a charge to Tenant will be made for each additional listing as prescribed by Landlord to be paid to Landlord by Tenant.
      24.  Landlord reserves all vending rights. Request for such service will be made to Landlord.
      25.  Landlord reserves the right to modify or delete any of the foregoing Rules and Regulations and to make such other and reasonable rules and regulations as in its judgment may from time to
time be needed for the safety, care and cleanliness of the Premises and the Building, and for the preservation of good order therein. Landlord shall not be responsible to any tenant for the non-observance, or violation, of any of these Rules and
Regulations by other tenants.
      26.  Parking facilities supplied by Landlord for Tenant, if any, shall be used by vehicles that may occupy a standard parking area
only. Moreover, the use of such parking facilities shall be limited to normal business parking and shall not be used for a continuous parking of any vehicle regardless of size.
  EXHIBIT B
Page 2 of 2

  EXHIBIT “C”
  WORK SCHEDULE
  This Exhibit C sets forth the work and costs of work required to complete the base building construction for the Building and all improvements to the Premises so that the Premises are suitable for Tenant’s occupancy in
accordance with Paragraph 3 of this Lease. The work described in Section 1 of this Exhibit C is referred to in this Lease as “Landlord’s Work”, and the work described in Section 2 of this Exhibit C is described in this Lease as
“Tenant’s Work”. Accordingly, Landlord and Tenant agree to the following:

	  1.
 	  Definition of Landlord’s Work
 
	  
 	  
 
	  
 	  1.1
 	  Landlord shall cause Landlord’s designated interior design and mechanical and electrical engineering firms for the Building to prepare architectural and engineering plans,
detailed specifications and finish schedules for all work to be performed in and on the Premises in order to complete construction of the Premises substantially in accordance with the plan attached hereto as Exhibit D and incorporated herein by
reference. Such plans, specifications and finish schedules shall hereinafter be called the “Approved Plans”.
 
	  
 	  
 	  
 
	  
 	  1.2
 	  The Building core will contain fully working and adequate water and sewer connections, telephone connections, electrical junction boxes, and, prior to the commencement date of
the Term, completed and operating restrooms on and serving the floor occupied by Tenant.  If the Premises are located on a multi-tenant floor at the time of the commencement date of the Term, then the Premises shall be delivered to Tenant on or
before such commencement date with elevator lobbies and common corridors completed with Building standard finishes for such common areas.
 
	  
 	  
 	  
 
	  
 	 1.3
 	  Landlord shall let its own contract for the construction of the leasehold improvements to the Premises (herein referred to as the “Tenant Improvements”) and shall
cause the contractor to perform all work required by the Approved Plans pursuant to such contract.  Landlord shall be responsible to pay for all work under such contract and Tenant shall be responsible for paying all costs of any modifications
to said Approved Plans. All amounts that are Tenant’s responsibility as hereinabove provided, if any, shall be paid by Tenant to Landlord within fifteen (15) days after receipt by Tenant of an invoice or invoices therefor, it being agreed that
Landlord may bill Tenant for Tenant’s portion of the construction costs for the Premises at one or more times.
 
	  
 	  
 	  
 
	  2.
 	  Definition of Tenant’s Work
 
	  
 	  
 	  
 
	  
 	  2.1
 	  Tenant shall, at its sole cost and expense, cause the installation of all improvements in the Premises not included in the Approved Plans; provided, however, that all such
improvements shall be subject to the terms and conditions of this Lease.
 
	  
 	  
 	  
 
	  
 	 2.2
 	 Tenant’s access to the Premises for the purposes of completing Tenant’s work shall at all times be subject to the control and restrictions of Landlord and to all of the
terms, covenants, provisions and conditions of the Lease except as to the covenant to pay rent. Landlord shall not be liable in any way for any injury, loss or damage which may occur to any of Tenant’s decorations or installations so made prior
to the commencement of the Term, the same being solely at Tenant’s risk.  Worker’s compensation and public liability insurance and property damage insurance, all in amounts and with companies and on forms satisfactory to Landlord,
shall be provided and at all times maintained by Tenant and its contractors engaged in the performance of Tenant’s work, and before proceeding with the work, certificates of such insurance shall be furnished to Landlord.
 

 DHD
 2/2/93
 WORK\CRESCENT

  [FLOOR PLAN]
 PRELIMINARY
 NOTES:

[ILLEGIBLE]
 Dashed lines indicate approximate panel system location. Due to numerous panel sizes and thickness of the various manufacturers, Barrett &
Associates is not responsible for panel system verification. Tenant to have furniture supplier/installer field verify dimensions and conditions prior to furniture order.

  [FLOOR PLAN]

	  
 	 First Refusal Space
 
	  
 	 1,715
 	  
 	 Usable S.F.
 
	  
 	 1,971
 	  
 	 Rentable S.F.
 

 EXHIBIT E

   FIRST AGREEMENT AMENDING LEASE
            THIS AGREEMENT, entered into this 20 day of Sept., 1993, by and between PERIMETER CENTER/SOUTH TERRACES ASSOCIATES, a joint venture composed of TAYLOR &
MATHIS/SOUTH TERRACES, LTD., a Georgia limited partnership, and METROPOLITAN LIFE INSURANCE COMPANY, a New York corporation (the “Landlord”); and CRESCENT BANK AND TRUST COMPANY, a Georgia corporation (the “Tenant”); and TAYLOR
&MATHIS IV, a Georgia general partnership (formerly referred to as the “Agent”, hereinafter referred to as the “Leasing Agent”); and
 W I T N E S S E T
H:
            WHEREAS, by lease dated February 4, 1993 (the “Lease”), Landlord leased to Tenant certain premises located in
Atlanta, Georgia, and more particularly known as 115 Perimeter Center Place, Suite 285, Atlanta, Georgia, 30346 (the “Premises”), for a period of forty-two (42) months, commencing February 15, 1993 and ending on August 15, 1996 (the
“Term”); and
            WHEREAS, Landlord and Tenant mutually agree to amend the Lease as hereinafter set forth; and
            WHEREAS, Landlord and Tenant mutually agree to document said amendment.
            NOW, THEREFORE, in consideration of the mutual promises, obligations and covenants contained in the Lease the parties hereto intending to be legally bound, do hereby
agree as follows:
            1.     Effective November 1, 1993, the leased square footage of the Premises, as stated in
Paragraph 1 of the Lease shall be increased by 1,971 rentable square feet on the Second (2nd) Floor, west wing of the Building (hereinafter “Expansion Area I”), as shown on Exhibit A attached hereto and by reference incorporated
herein.  The total revised leased area of the Premises shall then be 4,967 rentable square feet.
            2.     Effective November 1, 1993, the Base Monthly Rental, as set forth in the schedule in Special Stipulation 3 of the Lease shall be
increased by the amount of Base Monthly Rental attributable to Expansion Area I, and the schedule shall be restated as follows throughout the Term of the Lease:

	  PERIOD
 	   
 	  ANNUALIZED BASE MONTHLY
 RENTAL RATE PER
 RENTABLE SQUARE FOOT
 	   
 	  BASE MONTHLY RENTAL
 	   
 
	 
 	   
 	 
 	   
 	 
 	   
 
	 11/01/93- 2/28/94
 	  
 	  $
 	  14.00
 	  
 	  $
 	  5,794.83
 	  
 
	  03/01/94- 2/28/95
 	  
 	  $
 	  16.00
 	  
 	  $
 	  6,622.67
 	  
 
	  03/01/95- 8/15/96
 	  
 	  $
 	  18.00
 	  
 	  $
 	  7,450.50
 	  
 

           The Base Monthly
Rental shall continue to be adjusted pursuant to Special Stipulation 4 of the Lease.
            3.     Landlord hereby
grants Tenant an allowance of FOUR THOUSAND FOUR HUNDRED THIRTY-FIVE AND NO/100 DOLLARS ($4,435.00) to be applied toward the cost of leasehold improvements to be performed by Landlord on Expansion Area I. Any unused portion of such allowance as of
November 1, 1993 shall be applied towards the next installments of Base Monthly Rental coming due under the Lease, until such amount has been exhausted. In no event shall Landlord be obligated to make any refund of such allowance, or any portion
thereof to Tenant, in the event of

   Tenant’s failure to take possession of Expansion Area I, or in the event of an early termination of the Lease or otherwise.
            4.     Special Stipulation 17 of the Lease is hereby deleted in its entirety, and upon execution of this First Agreement Amending Lease is
declared null and void and of no further force or effect.
            5.     The said original Lease is hereby amended,
ratified, confirmed and continued in all respects and all such covenants, terms and conditions of the said original Lease are hereby incorporated herein by this reference.
            IN WITNESS WHEREOF, the parties hereto have herein set their hands and seals, effective as of the date first above written.

	  Signed, sealed and delivered by Landlord in the presence of:
 	  
 	  LANDLORD: TAYLOR & MATHIS, INC., as Manager for PERIMETER CENTER
CENTER/SOUTH TERRACES ASSOCIATES, a joint venture composed of TAYLOR & MATHIS/SOUTH TERRACES, LTD., a Georgia
limited partnership, and METROPOLITAN LIFE INSURANCE COMPANY, a New York corporation
 
	  
 	  
 	  
 
	 /s/ 
 	   
 	  BY:
 	  /s/ 
 
	 
 	  
 	  
 	 
 
	  WITNESS
 	   
 	  
 	  Executive Vice President
 
	  
 	  
 	  
 	  
 
	  /s/ 
 	   
 	  BY:
 	  /s/ 
 
	 
 	  
 	  
 	 
 
	 NOTARY PUBLIC
 	   
 	  
 	  Executive Vice President
 
	  
 	  
 	  
 	  
 
	  My commission expires:
 	  
 	  
 	  
 
	  
 	  
 	  
 	  
 
	  (Notarial Seal)
 	  
 	  
 	  
 
	  
 	  
 	  
 	  
 
	  Signed, sealed and delivered by Tenant in the presence of:
 	  
 	  TENANT: CRESCENT BANK AND TRUST COMPANY, a Georgia corporation
 
	  
 	  
 	  
 	  
 	  
 
	 /s/ 
 	  
 	  BY:
 	  /s/ 
 
	 
 	  
 	  
 	 
 
	  WITNESS
 	  
 	  Title
 	  Exec. V. P.
 
	  
 	  
 	  
 	  
 
	  /s/ 
 	  
 	  ATTEST:
 	  /s/ 
 
	 
 	  
 	  
 	 
 
	  NOTARY PUBLIC
 	  
 	  Title
 	  Asst. Secty.
 
	  
 	  
 	  
 	  
 
	 My commission expires: 8/16/97
 	  
 	  
 	  (CORPORATE SEAL)
 
	  
 	  
 	  
 	   
 
	  (Notarial Seal)
 	  
 	  
 	  
 
	  
 	  
 	  
 	  
 
	  Signed, sealed and delivered Leasing Agent in the presence of:
 	  
 	  LEASING AGENT: TAYLOR & MATHIS IV
 
	  
 	  
 	  
 
	  /s/ 
 	  
 	  BY:
 	  /s/ 
 
	 
 	  
 	  
 	 
 
	 WITNESS
 	  
 	  
 	  General Partner
 
	  
 	  
 	  
 	  (Seal)
 
	  
 	  
 	  
 	  
 
	  /s/ 
 	  
 	  
 	  
 
	 
 	  
 	  
 	  
 
	  NOTARY PUBLIC
 	  
 	  
 	  
 
	  
 	  
 	  
 	  
 
	 My commission expires:
 	  
 	  
 	  
 
	  
 	  
 	  
 	  
 
	  (Notarial Seal)
 	  
 	  
 	  
 

  FIRST AGREEMENT AMENDING LEASE
 Crescent Bank And Trust Company

Page 2 of 2

   [GRAPHIC APPEARS HERE]
  EXHIBIT A

   SECOND AGREEMENT AMENDING LEASE
            THIS AGREEMENT, entered into this 13 day of June, 1996, by and between BEACON PROPERTIES, L.P., a Delaware limited partnership (the “Landlord”), as
successor-in-interest to PERIMETER CENTER/SOUTH TERRACES ASSOCIATES, a joint venture composed of TAYLOR & MATHIS/SOUTH TERRACES, LTD., a Georgia limited partnership, and METROPOLITAN LIFE INSURANCE COMPANY, a New York corporation; and CRESCENT
BANK AND TRUST COMPANY, a Georgia corporation (the “Tenant”); and TAYLOR & MATHIS, INC., a Georgia corporation, as successor-in-interest to TAYLOR & MATHIS IV, a Georgia general partnership (as such interest pertains to the Lease
(as defined herein) (the “Leasing Agent”).
 W I T N E S S E T H:
            WHEREAS, by lease dated February 4, 1993 (the “Lease”), Landlord leased to Tenant certain premises located in Atlanta, Georgia, and more particularly known
as 115 Perimeter Center Place (the “Building”), Suite 285, Atlanta, Georgia, 30346 (the “Premises”), for a period of forty-two (42) months, commencing February 15, 1993 and ending on August 15, 1996 (the “Term”);
and
            WHEREAS, subsequent to Perimeter Center/South Terraces Associates entering into the Lease, Beacon Properties, L.P. succeeded to the
interest thereof by acquiring all rights and interest in the Building; and
            WHEREAS, Landlord and Tenant, by First Agreement Amending
Lease dated September 20, 1993, increased the leased area of the Premises with Expansion Area I, restated the Base Monthly Rental schedule to include the amount attributable to Expansion Area I, provided that Landlord would grant Tenant an allowance
for and would construct certain leasehold improvements on Expansion Area I, and deleted and nullified Tenant’s Right of First Refusal set forth in Special Stipulation 17 of the Lease; and
            WHEREAS, Landlord and Tenant mutually agree to further amend the Lease as hereinafter set forth; and
            WHEREAS, Landlord and Tenant mutually agree to document said amendment.
            NOW, THEREFORE, in consideration of the mutual promises, obligations and covenants contained in the Lease, as hereby amended, the parties hereto intending to be
legally bound, do hereby agree as follows:
            1.     The Term, as stated in Paragraph 2 of the Lease, is hereby
extended for an additional sixty (60) months and sixteen (16) days, such that the new expiration date is August 31, 2001.
           2.     Effective August 16, 1996, the Base Monthly Rental, as stated in Paragraph 5 of the Lease, as previously restated and adjusted, shall
be restated as follows:

	  PERIOD
 	   
 	  BASE MONTHLY RENTAL
 
	 
 	   
 	 
 
	  8/16/96 - 8/31/96
 	  
 	  $
 	  4,738.41
 
	  9/1/96 - 8/31/01
 	  
 	  $
 	  9,180.67
 

             The Base Monthly Rental as restated above shall be adjusted in accordance with Paragraph 3 of this Second Agreement
Amending Lease. The first such adjustment shall occur on September 1, 1997.
            3.     Effective August 16, 1996,
Paragraph 6 and Special Stipulation 4 of the Lease, Base Monthly Rental Adjustment, shall be restated as follows:

	  
 	         Landlord and Tenant agree that at the end of each and every Lease Year, as herein defined, during the Term, as extended
hereinabove, the Base Monthly Rental, as increased by previous rental adjustments hereunder, shall be increased for the next succeeding Lease Year by an amount equal to the product of (a) the Base Monthly Rental, as increased by previous rental
adjustments hereunder, at the end of the Lease Year immediately preceding the Lease Year for which the increase is being calculated, multiplied by (b) four percent (4%). Each adjustment shall remain in effect until the next such annual adjustment is
made.
 
	  
 	  
 
	  
 	          “Lease Year,” as used herein, shall mean each and every twelve (12) month period during the Term, as extended
hereinabove. The first such twelve (12) month period shall commence on the 1st day of September, 1996, and end on the 31st day of August, 1997; and, the period of August 16, 1996 through August 31, 1996 shall be treated as if it were part of said
first Lease Year under this Lease for all purposes.
 
	  
 	  
 
	  
 	          Whenever the term “Additional Rent” appears as contained in the Lease, such reference shall apply to rental adjustments
as called for in this Paragraph 3 herein.
 

            4.     Tenant shall continue to occupy the
Premises, and Landlord shall construct leasehold improvements to the Premises in accordance with the plans and specifications attached hereto as Exhibit A and incorporated herein by reference (the “Plans”) at Landlord’s sole cost and
expense. Landlord hereby grants Tenant an allowance in the amount of TWO THOUSAND SIX HUNDRED TWELVE AND 15/100 DOLLARS ($2,612.15) to be applied toward the cost of designing and constructing such improvements.  If Tenant requests any changes
to the Plans that result in an increase in the cost of design and construction connected therewith, then such additional design and construction costs shall be paid by Tenant to Landlord within fifteen (15) days of receipt of Landlord’s invoice
therefor.
           5.     Provided Tenant is not then in default, and provided that Tenant has performed strictly in
accordance with the terms and provisions of the Lease, and provided Tenant has paid all sums due in a timely manner, and provided Tenant has not assigned the Lease nor subleased all or any portion of the Premises, then, Tenant shall have the right
to extend this Lease (hereinafter the “Extension Right”) for one (1) additional term of five (5) years (hereinafter referred to as the “Extension Term”), commencing immediately upon the expiration of the Term,
as
  SECOND AGREEMENT AMENDING LEASE
 Crescent Bank And Trust Company
 Page 2 of 5

   extended pursuant to Paragraph 1 herein. Said Extension Right shall be subject, however, to the following conditions precedent:

	  
 	  (a)     Tenant shall give Landlord written notice of its exercise of the Extension Right at least six (6) months prior to the expiration of the Term, as
extended pursuant to Paragraph 1 herein; and
 
	  
 	  
 
	  
 	  (b)     All of the terms, covenants, and conditions of this Lease shall continue in full force and effect during the Extension Term of the Lease, as if
the Extension Term were part of the original Term, as extended pursuant to Paragraph 1 herein, except that the Base Monthly Rental for the Premises during the Extension Term shall be the “then current market rate,” being offered by
Landlord for renewals or extensions of leases of comparable space for a comparable term in the Building at the time of the extension.  If Tenant desires to determine the “then current market rate” prior to exercising its Extension
Right, Tenant shall so notify Landlord in writing no earlier than nine (9) months prior to the end of the Term, as extended pursuant to Paragraph 1 herein, and Landlord shall advise Tenant, within thirty (30) days of such notice, of the “then
current market rate” for the Extension Term.
 

           6.     Tenant represents and warrants to
Landlord that no broker, agent commission salesman, or other person other than CTR Partners: (the “Broker”) has represented Tenant in the negotiations for this Second Agreement Amending Lease, and that no commissions, fees, or
compensations of any kind are due and payable in connection herewith to any broker, agent, commission salesman, or other persons acting for or on behalf of Tenant, except Broker. Tenant agrees to indemnify and hold Landlord harmless from all loss,
cost and damage (including reasonable attorneys’ fees and court costs) suffered or incurred by Landlord as a result of the breach by Tenant of the representation and warranty contained in the immediately preceding sentence or as a result of
Tenant’s failure to pay commissions, fees or compensation due to any broker (other than Broker) who represented Tenant, whether or not disclosed.
            7.     Effective as of February 15, 1996, all notices to Landlord referred to in Paragraph 25 of the Lease, shall be restated as
follows:

	  
 	  If to Landlord:
 	  *BEACON PROPERTIES, L.P.
 
	  
 	  
 	  c/o Beacon Properties Corporation 
 
	  
 	  
 	  50 Rowes Wharf
 
	  
 	  
 	  Boston, Massachusetts 02110
 
	  
 	  
 	 Attn: Chief Operating Officer
 
	  
 	  
 	  With copy to: Senior Asset Manager
 
	  
 	  
 	  
 
	  
 	  
 	  *With copy to:
 
	  
 	  
 	  TAYLOR & MATHIS, INC.
 
	  
 	  
 	  P.O. Box 88185
 
	  
 	  
 	  Atlanta, Georgia 30356
 
	  
 	  
 	  Attn: Carroll M. Battey
 
	  
 	  
 	  
 
	  
 	  
 	  Landlord’s address for rental payments:
 
	  
 	  
 	  BEACON PROPERTIES, L.P.
 
	  
 	  
 	 P.O. Box 102309
 
	  
 	  
 	  Atlanta, Georgia 30368-2309
 

  SECOND AGREEMENT AMENDING LEASE
 Crescent Bank And Trust
Company
 Page 3 of 5

             8.     Upon execution of this Second Agreement Amending Lease by both Landlord and Tenant,
Paragraph 26 and Special Stipulation 12 of the Lease, Transfer of Tenants, shall be deleted, each in its entirety, and thereafter shall be declared null and void and of no further force or effect.
            9.     The said original Lease is hereby amended, ratified, confirmed and continued in all respects and all such covenants, terms and
conditions of the said original Lease are hereby incorporated herein by this reference.
            IN WITNESS WHEREOF, the parties hereto have
herein set their hands and seals, effective as of the date first above written.

	  Signed, sealed and delivered by Landlord in the presence of:
 	  
 	  LANDLORD: BEACON PROPERTIES, L.P., a Delaware limited partnership
 
	  
 	  
 	  
 
	   
 	  
 	 BY:
 	  Beacon Properties Corporation,
 General Partner
 
	   
 	  
 	  
 	  
 
	  /s/ 
 	  
 	  BY:
 	  /s/ 
 
	 
 	  
 	  
 	 
 
	  WITNESS
 	  
 	  
 	  Douglas S. Mitchell
 Senior Vice President
 
	  
 	  
 	  
 	  
 
	  /s/ 
 	  
 	  
 	  
 
	 
 	  
 	  
 	  
 
	 NOTARY PUBLIC
 	  
 	  
 	  
 
	  
 	  
 	  
 	  
 
	  My commission expires: 6/15/01
 	  
 	  
 	  
 
	  
 	  
 	  
 	  
 
	  (Notarial Seal)
 	  
 	  
 	  
 
	  
 	  
 	  
 	  
 
	  Signed, sealed and delivered by Tenant in the presence of:
 	  
 	  TENANT: CRESCENT BANK AND TRUST COMPANY, a Georgia corporation
 
	  
 	  
 	  
 
	 /s/ 
 	  
 	  BY:
 	  /s/ 
 
	 
 	  
 	  
 	 
 
	  WITNESS
 	  
 	  Title
 	  E.V.P
 
	   
 	  
 	  
 	  
 
	  /s/ 
 	  
 	  ATTEST: 
 	  /s/ 
 
	 
 	  
 	  
 	 
 
	  NOTARY PUBLIC
 	  
 	  Title  
 	  VP
 
	   
 	  
 	  
 	  
 
	 My commission expires:
 	  
 	  
 	  (CORPORATE SEAL)
 
	   
 	  
 	  
 	  
 
	  (Notarial Seal)
 	  
 	  
 	  
 

  SECOND AGREEMENT AMENDING LEASE
 Crescent Bank And Trust Company
 Page 4 of
5

	  Signed, sealed and delivered Leasing Agent in the presence of:
 	  
 	  LEASING AGENT: TAYLOR & MATHIS, INC., a Georgia corporation
 
	  
 	  
 	  
 	  
 
	  /s/ 
 	  
 	  BY:
 	  /s/ 
 
	 
 	  
 	  
 	 
 
	 WITNESS
 	   
 	   
 	  Executive Vice President
 
	  
 	  
 	  
 	  
 
	  /s/ 
 	  
 	  
 	  
 
	 
 	  
 	  
 	  
 
	  NOTARY PUBLIC
 	  
 	  
 	  
 
	  
 	  
 	  
 	  
 
	  My commission expires:
 	  
 	  
 	  
 
	  
 	  
 	  
 	  
 
	 (Notarial Seal)
 	  
 	  
 	  
 

 SECOND AGREEMENT AMENDING LEASE
 Crescent Bank And Trust Company
 Page 5 of
5

  [GRAPHIC APPEARS HERE]
 EXHIBIT A

  THIRD AMENDMENT TO LEASE
            THIS THIRD
AMENDMENT TO LEASE (the “Third Amendment”), entered into this 16th day of December, 1997, by and between BEACON PROPERTIES, L.P., a Delaware limited partnership (the “Landlord”), and CRESCENT BANK AND TRUST COMPANY, a Georgia
corporation (the “Tenant”).
  W I T N E S S E T H:
            WHEREAS, by Lease dated February 4, 1993 (the “Original Lease”), Perimeter Center/South Terraces Associates leased to Tenant certain premises located in
Atlanta, Georgia, and more particularly known as 115 Perimeter Center Place (the “Building”), on the Second (2nd) Floor, west wing, known as Suite 285, Atlanta, Georgia, 30346 (the “Premises”), for a period of forty-two (42)
months, commencing February 15, 1993 and ending on August 15, 1996 (the “Term”); and
            WHEREAS, subsequent to Perimeter
Center/South Terraces Associates entering into the Lease, Beacon Properties, L.P. succeeded to the interest thereof by acquiring all rights and interest in the Building; and
            WHEREAS, Landlord and Tenant did enter into that certain First Agreement Amending Lease (the “First Amendment”), dated as of September 20, 1993;
and
            WHEREAS, Landlord and Tenant did enter into that certain Second Agreement Amending Lease (the “Second Amendment”) dated as
of June 13, 1996; and
            WHEREAS, the Original Lease, as modified by the First Amendment and Second Amendment, is herein sometimes
collectively referred to as the “Lease”; and
           WHEREAS, Landlord and Tenant mutually agree to amend the Lease as hereinafter set
forth;
            NOW, THEREFORE, in consideration of the mutual promises, obligations and covenants contained in the Lease, as hereby amended, the
parties hereto intending to be legally bound, do hereby agree as follows:
            1.     Effective Date. (a) The
effective date of this Third Amendment shall be March 1, 1998 (the “Effective Date”). This Third Amendment shall be binding on Landlord and Tenant upon the due execution and delivery of this Third Amendment, even if the Effective Date
shall not as yet have occurred.
            2.     Premises and Expansion Space. From and after the Effective Date,
Tenant hereby leases and rents from Landlord, and Landlord hereby leases and rents to Tenant, an additional 1,915 rentable square feet in the Building, in the area as shown on Exhibit “A” attached hereto and by this reference
incorporated herein, known as Suite 285, in the West Wing (the “Expansion Space”), so

   that the Premises shall consist of a total of 6,882 rentable square feet from and after the Effective Date. Any reference in the Lease or this Third Amendment to the Premises
shall refer to the 6,882 rentable square feet leased as a result of the Lease and this Third Amendment (except for the provisions set forth inthis Third Amendment which apply to the Expansion Space).
            3.     Term.  The term of the Lease for the Premises and the Expansion Space shall be co-terminus.  Therefore, the term of
Lease for the Expansion Space shall begin on the Effective Date and shall end on August 31, 2001, unless sooner terminated in accordance with the terms of the Lease.
            4.     Base Monthly Rental. (a) The Base Monthly Rental due for the Expansion Space from Tenant shall be, from and after the Effective
Date, at the rates set forth below:

	 Period
 	   
 	  Base Rental (per square
 foot per annum)
 	   
 	  Base Annual Rental
 	   
 	  Base Monthly Rental
 	   
 
	 
 	   
 	 
 	   
 	 
 	   
 	 
 	   
 
	  March 1, 1998 - February 28, 1999
 	  
 	  $
 	  24.50
 	  
 	  $
 	  46,917.50
 	  
 	  $
 	  3,909.79
 	  
 
	 March 1, 1999 - February 29, 2000
 	  
 	  $
 	  25.48
 	  
 	  $
 	  48,794.20
 	  
 	  $
 	  4,066.18
 	  
 
	  March 1, 2000 - February 28, 2001
 	  
 	  $
 	  26.50
 	  
 	  $
 	  50,747.50
 	  
 	  $
 	  4,228.96
 	  
 
	  March 1, 2001 - August 31, 2001
 	  
 	  $
 	  27.56
 	  
 	  $
 	  52,777.40
 	  
 	  $
 	  4,398.12
 	  
 

 $3,909.79 shall be paid by Tenant to Landlord upon the execution and delivery of this Lease by
Tenant. Such amount shall be applied against the first month of Base Monthly Rental due from Tenant for the Expansion Space.
            (b)     All such amounts set forth above shall be due in addition to, and not in lieu of amounts due under the Lease for the Premises. Such
amounts shall be paid by Tenant at the time and in the manner that Base Monthly Rental is payable under the Original Lease.
            5.     Tenant Improvements: As Is, Where Is. Landlord hereby delivers and Tenant leases and rents the Expansion Space “as is,
where is”, with no obligation on the part of Landlord to provide any work therein. However, Tenant shall have a tenant fit-up and finish work allowance available of up to Six and 50/100 Dollars ($6.50) per rentable square foot within the
Expansion Space, or $12,447.50 in total. Such allowance shall be funded on the basis of plans and specifications generated by Tenant and consented to by Landlord (prior to any such work taking place), and for work in place in and invoices delivered
for the Premises and Expansion Space, and otherwise generally in accordance with Exhibit “D” to the Original Lease. Any tenant fit-up work in the Expansion Space shall be performed by Landlord in substantial accordance with the plans and
specifications described above.
  -2-

             6.     No Other Modifications. Except as expressly modified by this Third
Amendment, the Lease remains unmodified and in full force and effect.
            7.     Transfers, Successors and
Assigns. This Third Amendment shall inure to the benefit of and shall be binding upon Landlord, Tenant, and their respective transfers, successors and assigns.
           8.     Time of Essence. Time is of the essence of this Third Amendment.
            9.     Georgia Law.  This Third Amendment shall be construed and interpreted under the laws of the State of Georgia.

           10.     Brokers. BEACON PROPERTY MANAGEMENT, L. P. (“BEACON”) REPRESENTED LANDLORD IN THIS TRANSACTION.
CTR PARTNERS, LLP (“CTR”) REPRESENTED TENANT IN THIS TRANSACTION. BOTH BEACON AND CTR SHALL BE PAID A COMMISSION BY LANDLORD, UNDER A SEPARATE AGREEMENT. Tenant represents and warrants to Landlord that no broker, agent, commission
salesman, or other person other than CTR has represented Tenant in the negotiations for or in connection with this Third Amendment, and that no commissions, fees, or compensations of any kind are due and payable in connection herewith to any broker,
agent, commission salesman, or other persons acting for or on behalf of Tenant, except CTR. Tenant agrees to indemnify and hold Landlord harmless from all loss, cost and damage (including reasonable attorneys’ fees and court costs) suffered or
incurred by Landlord as a result of the breach by Tenant of the representation and warranty contained in the immediately preceding sentence or as a result of Tenant’s failure to pay commissions, fees or compensation due to any broker (other
than CTR) who represented Tenant, whether or not disclosed.
            IN WITNESS WHEREOF, the parties hereto have herein set their hands and
seals, effective as of the date first above written.

	  
 	  LANDLORD: BEACON PROPERTIES, L.P., a Delaware limited partnership
 
	  
 	  
 
	  
 	 BY:
 	  Beacon Properties Corporation,
 General Partner
 
	  
 	  
 	  
 
	  
 	  
 	  
 
	  
 	  
 	  By:
 	  /s/ DONALD B. BROOKS
 
	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	  Donald B. Brooks,
 Senior Vice President
 

  [Signatures continued
on next page]
  -3-

   [Signatures continued from previous page]

	  
 	  TENANT: CRESCENT BANK AND TRUST COMPANY, a Georgia corporation
 
	  
 	  
 	   
 
	  
 	  
 	   
 
	  
 	 By:
 	  /s/ 
 
	  
 	  
 	 
 
	  
 	  Title:
 	  Ex. V.P.
 
	  
 	  
 	   
 
	  
 	  
 	   
 
	  
 	  ATTEST:
 	  /s/ 
 
	  
 	  
 	 
 
	  
 	  Title:
 	  Asst. Secretary.
 
	  
 	  
 	   
 
	  
 	  
 	 (CORPORATE SEAL)
 

  -4-

   [GRAPHIC APPEARS HERE]
  EXHIBIT A
Page 1 of 2

   [GRAPHIC APPEARS HERE]
  EXHIBIT A
Page 2 of 2

  FOURTH AMENDMENT
            THIS FOURTH AMENDMENT
(the “Amendment”) is made and entered into as of the 27th day of July, 1999, by and between EOP-PERIMETER CENTER, L.L.C., a Delaware limited liability company (“Landlord”), and CRESCENT BANK AND TRUST
COMPANY, a Georgia corporation (“Tenant”).
  WITNESSETH

	  A.
 	  WHEREAS, Landlord (as successor by merger to Beacon Properties, L.P., the successor in interest to Perimeter Center/South Terraces Associates) and Tenant are parties to
that certain lease dated the 4th day of February, 1993, for space currently containing approximately 6,882 rentable square feet (the “Original Premises”) described as Suite No. 285 on the 2nd floor of the
building commonly known as South Terraces and the address of which is 115 Perimeter Center Place, Atlanta, Georgia, 30346 (the “Building”), which lease has been previously amended by instruments dated September 20, 1993 (the “First
Amendment”), June 13, 1996 (the “Second Amendment”) and December 16, 1997 (the “Third Amendment”) (collectively, the “Lease”); and
 
	  
 	  
 
	  B.
 	  WHEREAS, Tenant has requested that additional space known as Suite 830 containing approximately 812 rentable square feet on the 8th floor of the
Building shown on Exhibit A hereto (the “Expansion Space”) be added to the Original Premises and that the Lease be appropriately amended and Landlord is willing to do the same on the terms and conditions hereinafter set
forth;
 

           NOW, THEREFORE, in consideration of the mutual covenants and agreements herein contained and other
good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Landlord and Tenant agree as follows:

	  I.
 	  Expansion and Effective Date.
 
	  
 	  
 	  
 
	  
 	  A.
 	  Effective as of August 1, 1999 (the “Expansion Effective Date”), the Premises, as defined in the Lease, is increased from 6,882 rentable square feet on the
2nd floor to 7,694 rentable square feet on the 2nd and 8th floors by the addition of the Expansion Space, and from and after the Expansion Effective Date, the Original Premises and the Expansion Space,
collectively, shall be deemed the Premises, as defined in the Lease.  The Term for the Expansion Space shall commence on the Expansion Effective Date and, unless sooner terminated pursuant to the terms of the Lease, end on (the
“Termination Date”), which the parties hereby agree for purposes of the Lease and this Amendment is deemed to mean August 31, 2001.  The Expansion Space is subject to all the terms and conditions of the Lease except as expressly
modified herein and except that Tenant shall not be entitled to receive any allowances, abatements or other financial concessions granted with respect to the Original Premises unless such concessions are expressly provided for herein with respect to
the Expansion Space.
 
	  
 	  
 	  
 
	  
 	 B.
 	  The Expansion Effective Date shall be delayed to the extent that Landlord fails to deliver possession of the Expansion Space for any other reason (other than Delays by Tenant),
including but not limited to, holding over by prior occupants.  Any such delay in the Expansion Effective Date shall not subject Landlord to any liability for any loss or damage resulting therefrom.  If the Expansion Effective Date is
delayed, the Termination Date under the Lease shall not be similarly extended.
 
	  
 	  
 
	  II.
 	  Base Monthly Rental.
 
	  
 	  
 
	  
 	  In addition to Tenant’s obligation to pay Base Monthly Rental for the Original Premises, Tenant shall pay Landlord the sum of $42,147.54 as aggregate Base
Monthly Rental for the Expansion Space in 25 monthly installments as follows:
 
	  
 	  
 
	  
 	  A.
 	  Twelve (12) equal installments of $1,657.83 each payable on or before the first day of each month during the period beginning August 1, 1999 and ending July 31, 2000, provided
that the installment of Base Monthly Rental for the first full calendar month of the Term for the Expansion Space shall be payable upon the execution of this Amendment by Tenant.
 

 1

	  
 	  B.
 	  Twelve (12) equal installments of $1,707.91 each payable on or before the first day of each month during the period beginning August 1, 2000 and ending July 31, 2001.

	  
 	  
 	  
 
	  
 	  C.
 	  One (1) equal installment of $1,758.66 payable on or before the first day of the month during the period beginning August 1, 2001 and ending August 31, 2001.
 
	  
 	  
 	  
 
	  
 	  All such Base Monthly Rental shall be payable by Tenant in accordance with the terms of the Lease.
 
	  
 	  
 
	  III.
 	  Additional Security Deposit.  Not applicable to the Expansion Space.
 
	  
 	  
 
	  IV.
 	  Operating Costs and Tenant’s Pro Rata Share.  For the period commencing with the Expansion Effective Date and ending on the
Termination Date (such period is referred to in this Section IV as the “Additional Term”), the following provisions shall apply with respect to the Expansion Space:
 
	  
 	  
 	  
 
	  
 	 A.
 	  Payments.  Tenant shall pay Landlord, without any setoff or deduction, the total amount of Base Monthly Rental and Additional Rent (defined in Subsection F below)
due during the Additional Term.  Base Monthly Rental and recurring monthly charges of Additional Rent shall be due and payable in advance on the first day of each calendar month without notice or demand, provided that the installment of Base
Monthly Rental for the first full calendar month of the Additional Term shall be payable upon the execution of this Amendment by Tenant.  All other items of Rent (defined in Subsection F below) shall be due and payable by Tenant on or before 30
days after billing by Landlord.  All payments of Rent shall be by good and sufficient check or by other means (such as automatic debit or electronic transfer) acceptable to Landlord.  If Tenant fails to pay any item or installment of Rent
when due, Tenant shall pay Landlord an administration fee equal to 5% of the past due Rent, provided that Tenant shall be entitled to a grace period of 5 days for the first 2 late payments of Rent in a given calendar year.  Landlord’s
acceptance of less than the correct amount of Rent shall be considered a payment on account of the earliest Rent due.  No endorsement or statement on a check or letter accompanying a check or payment shall be considered an accord and
satisfaction, and either party may accept the check or payment without prejudice to that party’s right to recover the balance or pursue other available remedies.  Tenant’s covenant to pay Rent is independent of every other covenant in
this Lease.  If the Additional Term commences on a day other than the first day of a calendar month or terminates on a day other than the last day of a calendar month, the Base Monthly Rental and Tenant’s Pro Rata Share (defined in
Subsection F below) of any Tax Excess (defined in Subsection B below) or Expense Excess (defined in Subsection B below) for the month shall be prorated based on the number of days in such calendar month.  Tenant shall pay and be liable for all
rental, sales and use taxes (but excluding income taxes), if any, imposed upon or measured by Rent (defined below) under applicable law.
 
	  
 	  
 	  
 
	  
 	 B.
 	  Expense Excess and Tax Excess.  Tenant shall pay Tenant’s Pro Rata Share of the amount, if any, by which Expenses (defined in Subsection C below) for each
calendar year during the Additional Term exceed Expenses for the Base Year (defined in Subsection F below) (the “Expense Excess”) and also the amount, if any, by which Taxes (defined in Subsection D below) for each calendar year during the
Additional Term exceed Taxes for the Base Year (the “Tax Excess”).  If Expenses and/or Taxes in any calendar year decrease below the amount of Expenses and/or Taxes for the Base Year, Tenant’s Pro Rata Share of Expenses and/or
Taxes, as the case may be, for that calendar year shall be $0.  Landlord shall provide Tenant with a good faith estimate of the Expense Excess and of the Tax Excess for each calendar year during the Additional Term.  On or before the first
day of each month, Tenant shall pay to Landlord a monthly installment equal to one-twelfth of Tenant’s Pro Rata Share of Landlord’s estimate of the Expense Excess and one-twelfth of Tenant’s Pro Rata Share of Landlord’s estimate
of the Tax Excess.  If Landlord determines that its good faith estimate of the Expense Excess or of the Tax Excess was incorrect by a material amount, Landlord may provide Tenant with a revised estimate.  After its receipt of the revised
estimate,
 

  2

	  
 	  
 	  Tenant’s monthly payments shall be based upon the revised estimate.  If Landlord does not provide Tenant with an estimate of the Expense Excess or of the
Tax Excess by January 1 of a calendar year, Tenant shall continue to pay monthly installments based on the previous year’s estimate(s) until Landlord provides Tenant with the new estimate.  Upon delivery of the new estimate, an adjustment
shall be made for any month for which Tenant paid monthly installments based on the previous year’s estimate(s).  Tenant shall pay Landlord the amount of any underpayment within 30 days after receipt of the new estimate.  Any
overpayment shall be refunded to Tenant within 30 days or credited against the next due future installment(s) of Additional Rent.
 
	  
 	  
 	  
 
	  
 	  
 	 As soon as is practical following the end of each calendar year, Landlord shall furnish Tenant with a statement of the actual Expenses and Expense Excess and the
actual Taxes and Tax Excess for the prior calendar year.  If the estimated Expense Excess and/or estimated Tax Excess for the prior calendar year is more than the actual Expense Excess and/or actual Tax Excess, as the case may be, for the prior
calendar year, Landlord shall apply any overpayment by Tenant against Additional Rent due or next becoming due, provided if the Additional Term expires before the determination of the overpayment, Landlord shall refund any overpayment to Tenant
after first deducting the amount of Rent due.  If the estimated Expense Excess and/or estimated Tax Excess for the prior calendar year is less than the actual Expense Excess and/or actual Tax Excess, as the case may be, for such prior year,
Tenant shall pay Landlord, within 30 days after its receipt of the statement of Expenses and/or Taxes, any underpayment for the prior calendar year.
 
	  
 	  
 	  
 
	  
 	  C.
 	  Expenses Defined.  “Expenses” means all costs and expenses incurred in each calendar year in connection with operating, maintaining, repairing,
and managing the Building and the Property, including, but not limited to:
 
	  
 	  
 	  
 
	  
 	  1.
 	  Labor costs, including, wages, salaries, social security and employment taxes, medical and other types of insurance, uniforms, training, and retirement and pension
plans.
 
	  
 	  
 	  
 
	  
 	 2.
 	  Management fees, the cost of equipping and maintaining a management office, accounting and bookkeeping services, legal fees not attributable to leasing or collection activity,
and other administrative costs.  Landlord, by itself or through an affiliate, shall have the right to directly perform or provide any services under this Lease (including management services), provided that the cost of any such services shall
not exceed the cost that would have been incurred had Landlord entered into an arms-length contract for such services with an unaffiliated entity of comparable skill and experience.
 
	  
 	  
 	  
 
	  
 	  3.
 	  The cost of services, including amounts paid to service providers and the rental and purchase cost of parts, supplies, tools and equipment.
 
	  
 	  
 	  
 
	  
 	  4.
 	  Premiums and deductibles paid by Landlord for insurance, including workers compensation, fire and extended coverage, earthquake, general liability, rental loss, elevator, boiler
and other insurance customarily carried from time to time by owners of comparable office buildings.
 
	  
 	  
 	  
 
	  
 	 5.
 	  Electrical Costs (defined below) and charges for water, gas, steam and sewer, but excluding those charges for which Landlord is reimbursed by tenants.  “Electrical
Costs” means: (a) charges paid by Landlord for electricity; (b) costs incurred in connection with an energy management program for the Property; and (c) if and to the extent permitted by Law (defined in Subsection F below), a fee for the
services provided by Landlord in connection with the selection of utility companies and the negotiation and administration of contracts for electricity, provided that such fee shall not exceed 50% of any savings obtained by Landlord. 
Electrical Costs shall be adjusted as follows: (i) amounts received by Landlord as reimbursement for above standard electrical consumption shall be deducted from Electrical Costs; (ii) the cost of electricity incurred to provide overtime HVAC to
specific tenants (as reasonably estimated by
 

  3

	  
 	  
 	  Landlord) shall be deducted from Electrical Costs; and (iii) if Tenant is billed directly for the cost of building standard electricity to the Premises as a separate charge in
addition to Base Monthly Rental, the cost of electricity to individual tenant spaces in the Building shall be deducted from Electrical Costs.
 
	  
 	  
 	  
 
	  
 	  6.
 	  The amortized cost of capital improvements (as distinguished from replacement parts or components installed in the ordinary course of business) made to the Property which are:
(a) performed primarily to reduce operating expense costs or otherwise improve the operating efficiency of the Property; or (b) required to comply with any Laws (defined in Subsection F below) that are enacted, or first interpreted to apply to the
Property, after the date of this Amendment.  The cost of capital improvements shall be amortized by Landlord over the lesser of the Payback Period (defined below) or 5 years.  The amortized cost of capital improvements may, at
Landlord’s option, include actual or imputed interest at the rate that Landlord would reasonably be required to pay to finance the cost of the capital improvement.  “Payback Period” means the reasonably estimated period of time
that it takes for the cost savings resulting from a capital improvement to equal the total cost of the capital improvement.
 
	  
 	  
 
	  
 	 If Landlord incurs Expenses for the Property together with one or more other buildings or properties, whether pursuant to a reciprocal easement agreement, common area
agreement or otherwise, the shared costs and expenses shall be equitably prorated and apportioned between the Property and the other buildings or properties.  Expenses shall not include: the cost of capital improvements (except as set forth
above); depreciation; interest (except as provided above for the amortization of capital improvements); principal payments of mortgage and other non-operating debts of Landlord; the cost of repairs or other work to the extent Landlord is reimbursed
by insurance or condemnation proceeds; costs in connection with leasing space in the Building, including brokerage commissions; lease concessions, including rental abatements and construction allowances, granted to specific tenants; costs incurred
in connection with the sale, financing or refinancing of the Building; fines, interest and penalties incurred due to the late payment of Taxes (defined in Subsection D below) or Expenses; organizational expenses associated with the creation and
operation of the entity which constitutes Landlord; or any penalties or damages that Landlord pays to Tenant under this Lease or to other tenants in the Building under their respective leases.  If the Building is not at least 95% occupied
during any calendar year or if Landlord is not supplying services to at least 95% of the total Rentable Square Footage of the Building (defined in Subsection F below) at any time during a calendar year, Expenses shall, at Landlord’s option, be
determined as if the Building had been 95% occupied and Landlord had been supplying services to 95% of the Rentable Square Footage of the Building during that calendar year.  If Tenant pays for its Pro Rata Share of Expenses based on increases
over a “Base Year” and Expenses for a calendar year are determined as provided in the prior sentence, Expenses for the Base Year shall also be determined as if the Building had been 95% occupied and Landlord had been supplying services to
95% of the Rentable Square Footage of the Building.  The extrapolation of Expenses under this Section shall be performed by appropriately adjusting the cost of those components of Expenses that are impacted by changes in the occupancy of the
Building.
 
	  
 	  
 
	  
 	 D.
 	  Taxes Defined.  “Taxes” shall mean: (1) all real estate taxes and other assessments on the Building and/or Property, including, but not limited
to, assessments for special improvement districts and building improvement districts, taxes and assessments levied in substitution or supplementation in whole or in part of any such taxes and assessments and the Property’s share of any real
estate taxes and assessments under any reciprocal easement agreement, common area agreement or similar agreement as to the Property; (2) all personal property taxes for property that is owned by Landlord and used in connection with the operation,
maintenance and repair of the Property; and (3) all costs and fees incurred in connection with seeking reductions in any tax liabilities described in (1) and (2), including, without limitation, any costs incurred by Landlord for
 
				

  4

	  
 	  
 	  compliance, review and appeal of tax liabilities.  Without limitation, Taxes shall not include any income, capital levy, franchise, capital stock, gift, estate
or inheritance tax.  If an assessment is payable in installments, Taxes for the year shall include the amount of the installment and any interest due and payable during that year.  For all other real estate taxes, Taxes for that year
shall, at Landlord’s election, include either the amount accrued, assessed or otherwise imposed for the year or the amount due and payable for that year, provided that Landlord’s election shall be applied consistently throughout the
Additional Term.  If a change in Taxes is obtained for any year of the Additional Term during which Tenant paid Tenant’s Pro Rata Share of any Tax Excess, then Taxes for that year will be retroactively adjusted and Landlord shall provide
Tenant with a credit, if any, based on the adjustment.  Likewise, if a change is obtained for Taxes for the Base Year, Taxes for the Base Year shall be restated and the Tax Excess for all subsequent years shall be recomputed.  Tenant shall
pay Landlord the amount of Tenant’s Pro Rata Share of any such increase in the Tax Excess within 30 days after Tenant’s receipt of a statement from Landlord.
 
	  
 	  
 	  
 
	  
 	 E.
 	  Audit Rights.  Tenant may, within 90 days after receiving Landlord’s statement of Expenses, give Landlord written notice (“Review Notice”)
that Tenant intends to review Landlord’s records of the Expenses for that calendar year.  Within a reasonable time after receipt of the Review Notice, Landlord shall make all pertinent records available for inspection that are reasonably
necessary for Tenant to conduct its review.  If any records are maintained at a location other than the office of the Building, Tenant may either inspect the records at such other location or pay for the reasonable cost of copying and shipping
the records.  If Tenant retains an agent to review Landlord’s records, the agent must be with a licensed CPA firm.  Tenant shall be solely responsible for all costs, expenses and fees incurred for the audit.  Within 60 days after
the records are made available to Tenant, Tenant shall have the right to give Landlord written notice (an “Objection Notice”) stating in reasonable detail any objection to Landlord’s statement of Expenses for that year.  If
Tenant fails to give Landlord an Objection Notice within the 60 day period or fails to provide Landlord with a Review Notice within the 90 day period described above, Tenant shall be deemed to have approved Landlord’s statement of Expenses and
shall be barred from raising any claims regarding the Expenses for that year.  If Tenant provides Landlord with a timely Objection Notice, Landlord and Tenant shall work together in good faith to resolve any issues raised in Tenant’s
Objection Notice.  If Landlord and Tenant determine that Expenses for the calendar year are less than reported, Landlord shall provide Tenant with a credit against the next installment of Rent in the amount of the overpayment by Tenant. 
Likewise, if Landlord and Tenant determine that Expenses for the calendar year are greater than reported, Tenant shall pay Landlord the amount of any underpayment within 30 days.  The records obtained by Tenant shall be treated as
confidential.  In no event shall Tenant be permitted to examine Landlord’s records or to dispute any statement of Expenses unless Tenant has paid and continues to pay all Rent when due.
 
	  
 	  
 	  
 
	  
 	 F.
 	  For purposes hereof, the following terms shall have the following meanings:
 
	  
 	  
 	  
 
	  
 	  
 	  1.
 	  “Tenant’s Pro Rata Share” shall mean 0.1635%.
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  2.
 	  “Additional Rent” means Tenant’s Pro Rata Share of the Tax Excess and Tenant’s Pro Rata Share of the Expense Excess and all other sums (exclusive of Base
Monthly Rental) that Tenant is required to pay Landlord under the Lease, which sums are hereby deemed to be additional rent under the Lease.  Additional Rent and Base Monthly Rental are sometimes collectively referred to as
“Rent”.
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  3.
 	  “Base Year” shall mean the calendar year 1999.
 
	  
 	  
 	  
 	  
 
	  
 	  
 	 4.
 	  “Property” shall mean the Building and the parcel(s) of land on which it is located and, at Landlord’s discretion, the Building garage, if any, and all other
improvements owned by Landlord and serving the Building and the tenants thereof and the parcel(s) of land on which they are located.
 

  5

	  
 	  
 	  5.
 	  “Rentable Square Footage of the Building” shall mean 496,512 square feet.
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  6.
 	  “Law(s)” shall mean all applicable statutes, codes, ordinances, orders, rules and regulations of any municipal or governmental entity.
 
	  
 	  
 	  
 	  
 
	  V.
 	  Improvements to Expansion Space.
 
	  
 	  
 	  
 	  
 
	  
 	 A.
 	  Condition of Expansion Space.  Tenant has inspected the Expansion Space and agrees to accept the same “as is” without any agreements,
representations, understandings or obligations on the part of Landlord to perform any alterations, repairs or improvements, except as may be expressly provided otherwise in this Amendment.
 
	  
 	  
 	  
 
	  
 	  B.
 	  Cost of Improvements to Expansion Space.  Provided Tenant is not in default, Tenant shall be entitled to receive an improvement allowance (the
“Expansion Improvement Allowance”) in an amount not to exceed $3,451.00 (i.e., $4.25 per rentable square foot of the Expansion Space) to be applied toward the cost of performing initial construction, alteration or improvement of the
Expansion Space, including but not limited to the cost of space planning, design and related architectural and engineering services.  In the event the total cost of the initial improvements to the Expansion Space exceeds the Expansion
Improvement Allowance, Tenant shall pay for such excess upon demand.  The entire unused balance of the Expansion Improvement Allowance, if any, shall accrue to the sole benefit of Landlord.  Landlord shall pay such Expansion Improvement
Allowance directly to the contractors retained to perform the construction, design or related improvement work to the Expansion Space.  Landlord shall be entitled to deduct from the Expansion Improvement Allowance a construction management fee
for Landlord’s oversight of the improvements in an amount equal to four and one-half percent (41⁄2%) of the total cost of such improvements.
 
	  
 	  
 	  
 	  
 
	  
 	 C.
 	  Responsibility for Improvements to Expansion Space.  Landlord shall enter into a direct contract for the initial improvements to the Expansion Space with
a general contractor selected by Landlord.  Tenant shall devote such time in consultation with Landlord or Landlord’s architect as may be required to provide all information Landlord deems necessary in order to enable Landlord to complete,
and obtain Tenant’s written approval of, the plans for the initial improvements to the Expansion Space in a timely manner.  All plans for the initial improvements to the Expansion Space shall be subject to Landlord’s consent, which
consent shall not be unreasonably withheld.  If the cost of such improvements exceeds the Expansion Improvement Allowance, then prior to commencing any construction of improvements to the Expansion Space, Landlord shall submit to Tenant a
written estimate setting forth the anticipated cost, including but not limited to the cost of space planning, design and related architectural and engineering services, labor and materials, contractor’s fees, and permit fees.  Within a
reasonable time thereafter, Tenant shall either notify Landlord in writing of its approval of the cost estimate or specify its objections thereto and any desired changes to the proposed improvements.  In the event Tenant notifies Landlord of
such objections and desired changes, Tenant shall work with Landlord to reach a mutually acceptable alternative cost estimate.
 
	  
 	  
 	  
 	  
 
	  
 	  D.
 	  Tenant acknowledges that the improvement work in the Expansion Space may be performed by Landlord during normal business hours subsequent to the Expansion Effective
Date.  Landlord and Tenant agree to cooperate with each other in order to enable such work to be performed in a timely manner and with as little inconvenience to the operation of Tenant’s business as is reasonably possible. 
Notwithstanding anything herein to the contrary, any delay in the completion of the improvement work or inconvenience suffered by Tenant during the performance of such work shall not subject Landlord to any liability for any loss or damage resulting
therefrom or entitle Tenant to any credit, abatement or adjustment of rent or other sums payable under the Lease.
 
	  
 	  
 	  
 	  
 
	 VI.
 	  Early Access to Expansion Space.  During any period that Tenant shall be permitted to enter the Expansion Space prior to the Expansion Effective
Date (e.g., to perform alterations or improvements, if any), Tenant shall comply with all terms and provisions of
 

  6

	  
 	  the Lease, except those provisions requiring payment of Base Monthly Rental or Additional Rent as to the Expansion Space.  If Tenant takes possession of the
Expansion Space prior to the Expansion Effective Date for any reason whatsoever (other than the performance of work in the Expansion Space with Landlord’s prior approval), such possession shall be subject to all the terms and conditions of the
Lease and this Amendment, and Tenant shall pay Base Monthly Rental and Additional Rent as applicable to the Expansion Space to Landlord on a per diem basis for each day of occupancy prior to the Expansion Effective Date.
 
	  
 	  
 	  
 	  
 
	  VII.
 	  Other Pertinent Provisions.  Landlord and Tenant agree that, effective as of the date hereof (unless different effective date(s) is/are
specifically referenced in this Section), the Lease shall be amended in the following additional respects:
 
	  
 	  
 	  
 	  
 
	  
 	 A.
 	  Landlord Notice Address.  Section 25, Notices, of the Lease, as amended by Section 7 of the Second Amendment, is modified to provide that the address for
notices to Landlord and payments of rent shall be as follows:
 
	  
 	  
 	  
 
	  
 	  
 	  EOP-Perimeter Center, L.L.C.
 c/o Equity Office Properties Trust
 115 Perimeter Center Place, Suite 200
 Atlanta, Georgia 30346
 Attention: Building
Manager, Group I
 
	  
 	  
 	  
 
	  
 	  
 	  with a copy to:
 
	  
 	  
 	  
 
	  
 	  
 	  Equity Office Properties Trust
 Two North Riverside Plaza
 Suite 2200
 Chicago, Illinois 60606
 Attention: Regional Counsel - Southeast Region

	  
 	  
 	  
 	  
 
	  
 	  
 	 Payments of rent only shall be made payable to the order of Equity Office Properties and forwarded to the following address:
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  EOP Operating Limited Partnership,
 as agent for EOP-Perimeter Center, L.L.C.-Group I
 P.O.  Box 931578
 Atlanta, Georgia 31193-1578
 
	  
 	  
 	  
 	  
 
	  
 	  B.
 	  Tenant Notice Address.  Section 25, Notices, of the Lease is modified to provide that the address for notices to Tenant shall be as follows:

	  
 	  
 	  
 
	  
 	  
 	  Crescent Bank and Trust Company
 115 Perimeter Center Place
 Suite 285
 Atlanta, GA 30346
 
	  
 	  
 	  
 	  
 
	  
 	 C.
 	  Agent Notice Address.  Section 25, Notices, of the Lease is modified to delete any requirement that notices or copies thereof be forwarded to
Agent.
 
	  
 	  
 	  
 	  
 
	  
 	  D.
 	  Base Monthly Rental Adjustment.  Section 6 (Base Monthly Rental Adjustment) of the Lease and Special Stipulation 4 of the Lease, as amended by Section 3
of the Second Amendment, shall be inapplicable to the Expansion Space, it being agreed that the annual escalations in Base Monthly Rental for the Expansion Space described in such Sections are already reflected in the rent schedule described in
Section II above.
 
	  
 	  
 	  
 	  
 
	  
 	  E.
 	  Indemnity.  The following is added as Section 36 of the Lease:
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  “36.
 	  Indemnity.
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  
 	 a.
 	  Except to the extent caused by the negligence or willful misconduct of Landlord or any Landlord Related Parties (defined below), Tenant shall indemnify, defend and hold
Landlord, its trustees, members, principals, beneficiaries, partners, officers, directors, employees, mortgagee(s) and agents (collectively,
 

  7

	  
 	  
 	  
 	  
 	  “Landlord Related Parties”) harmless against and from all liabilities, obligations, damages, penalties, claims, actions, costs, charges and expenses, including,
without limitation, reasonable attorneys’ fees and other professional fees (if and to the extent permitted by law), which may be imposed upon, incurred by or asserted against Landlord or any of the Landlord Related Parties and arising out of or
in connection with any damage or injury occurring in the Premises or any acts or omissions [including violations of Laws (defined below)] of Tenant, the Tenant Related Parties (defined below) or any of Tenant’s transferees, agents, contractors
or licensees.  As used herein, “Laws” means all applicable statutes, codes, ordinances, orders, recommendations, rules and regulations of any municipal or governmental entity.
 
	  
 	  
 	  
 	  
 	  
 
	  
 	  
 	  
 	 b.
 	  Except to the extent caused by the negligence or willful misconduct of Tenant or any Tenant Related Parties (defined below), Landlord shall indemnify, defend and hold Tenant,
its trustees, members, principals, beneficiaries, partners, officers, directors, employees and agents (collectively, “Tenant Related Parties”) harmless against and from all liabilities, obligations, damages, penalties, claims, actions,
costs, charges and expenses, including, without limitation, reasonable attorneys’ fees and other professional fees (if and to the extent permitted by law), which may be imposed upon, incurred by or asserted against Tenant or any of the Tenant
Related Parties and arising out of or in connection with the acts or omissions (including violations of Laws) of Landlord, the Landlord Related Parties or any of Landlord’s agents or contractors.”
 
	  
 	  
 	  
 	  
 	  
 
	  
 	  F.
 	  Parking.  Effective as of the Expansion Effective Date, Special Stipulation 15, “Parking”, of the Lease regarding the parking spaces which are
available to Tenant’s employees and visitors, is modified, with respect to the Expansion Space, to provide a ratio of 3.5 unassigned parking spaces per 1,000 rentable square feet contained in the Expansion Space.  Therefore, effective as
of the Expansion Effective Date, two (2) additional unreserved parking spaces shall be made available to Tenant with respect to the Expansion Space for parking by Tenant and its employees, free of charge, during the Term.  Such two (2)
additional spaces are in satisfaction of, and not in addition to, the 3.0 unassigned parking spaces per 1,000 rentable square feet of office space which Tenant would be entitled to under said Special Stipulation 15 with respect to the Expansion
Space.  Further, the parties agree that Landlord shall have the right from time to time to promulgate reasonable rules and regulations regarding the parking garage, surface parking areas, the parking spaces and the use thereof, including, but
not limited to, rules and regulations controlling the flow of traffic to and from various parking areas, the angle and direction of parking and the like.  Tenant shall comply with and cause its employees to comply with all such rules and
regulations as well as all reasonable additions and amendments thereto.
 
	  
 	  
 	  
 	  
 	  
 
	 VIII.
 	  Miscellaneous.
 
	  
 	  
 	  
 	  
 	  
 
	  
 	  A.
 	  This Amendment sets forth the entire agreement between the parties with respect to the matters set forth herein.  There have been no additional oral or written
representations or agreements.  Under no circumstances shall Tenant be entitled to any rent abatement, improvement allowance, leasehold improvements, or other work to the Premises, or any similar economic incentives that may have been provided
Tenant in connection with entering into the Lease, unless specifically set forth in this Amendment.
 
	  
 	  
 	  
 	  
 	  
 
	  
 	  B.
 	  Except as herein modified or amended, the provisions, conditions and terms of the Lease shall remain unchanged and in full force and effect.
 
	  
 	  
 	  
 	  
 	  
 
	  
 	 C.
 	  In the case of any inconsistency between the provisions of the Lease and this Amendment, the provisions of this Amendment shall govern and control.
 

  8

	  
 	  D.
 	  Submission of this Amendment by Landlord is not an offer to enter into this Amendment but rather is a solicitation for such an offer by Tenant.  Landlord shall not be bound
by this Amendment until Landlord has executed and delivered the same to Tenant.
 
	  
 	  
 	  
 
	  
 	  E.
 	  The capitalized terms used in this Amendment shall have the same definitions as set forth in the Lease to the extent that such capitalized terms are defined therein and not
redefined in this Amendment.
 
	  
 	  
 	  
 
	  
 	  F.
 	  Tenant hereby represents to Landlord that Tenant has dealt with no broker in connection with this Amendment other than CTR Partners.  Tenant agrees to indemnify and hold
Landlord, its members, principals, beneficiaries, partners, officers, directors, employees, mortgagee(s) and agents, and the respective principals and members of any such agents (collectively, the “Landlord Related Parties”) harmless from
all claims of any brokers claiming to have represented Tenant in connection with this Amendment.  Landlord hereby represents to Tenant that Landlord has dealt with no broker in connection with this Amendment.  Landlord agrees to indemnify
and hold Tenant, its members, principals, beneficiaries, partners, officers, directors, employees, and agents, and the respective principals and members of any such agents (collectively, the “Tenant Related Parties”) harmless from all
claims of any brokers claiming to have represented Landlord in connection with this Amendment.
 

           IN WITNESS
WHEREOF, Landlord and Tenant have duly executed this Amendment as of the day and year first above written.

	  
 	  LANDLORD:
 
	  
 	  
 
	  
 	  EOP-PERIMETER CENTER, L.L.C., a Delaware limited liability
company
 
	  
 	  
 
	  
 	  By:
 	  EOP Operating Limited Partnership, a Delaware limited partnership, its sole member
 
	  
 	  
 	  
 
	  
 	  By:
 	  Equity Office Properties Trust, a Maryland real estate investment trust, its managing general partner
 
	  
 	  
 	  
 
	  
 	  By:
 	  /s/ JEFF SWEENEY
 
	  
 	  
 	 
 
	  
 	 Name:
 	  JEFF SWEENEY
 
	  
 	  Title:
 	  V.P. LEASING
 
	  
 	  
 	   
 
	  
 	  TENANT:
 
	  
 	  
 
	  
 	  CRESCENT BANK AND TRUST COMPANY, a Georgia
corporation
 
	  
 	  
 	  
 
	  
 	  By:
 	  /s/ JAMES R. PAYNE
 
	  
 	  
 	 
 
	  
 	 Name:
 	 James R. Payne
 
	  
 	 Title:
 	 Vice President
 
						

 9

  EXHIBIT A
 Attach Floor Plan
 Showing Expansion Space
 [FLOOR PLAN]
 10

   FIFTH AMENDMENT
            THIS FIFTH
AMENDMENT (the “Amendment”) is made and entered into as of the 11th day of April, 2001, by and between EOP-PERIMETER CENTER, L.L.C., a Delaware limited liability company (“Landlord”), and CRESCENT BANK AND TRUST
COMPANY, a Georgia corporation (“Tenant”).
  RECITALS

	  A.
 	  Landlord (as successor by merger to Beacon Properties, L.P., the successor in interest to Perimeter Center/South Terraces Associates) and Tenant are parties to that
certain lease dated February 4, 1993, which lease has been previously amended by instruments dated September 20, 1993) (the “First Amendment”), June 13, 1996 (the “Second Amendment”), December 16, 1997 (the “Third
Amendment”), and July 27, 1999 (the “Fourth Amendment”) (collectively, the “Lease”). Pursuant to the Lease, Landlord has leased to Tenant space currently containing approximately 7,694 rentable square feet (the
“Current Premises”) described as Suite Nos. 285 and 830 on the 2nd and 8th floors of the building commonly known as South Terraces located at 115 Perimeter Center Place, Atlanta, Georgia 30346 (the
“Building”).
 
	  
 	  
 
	 B.
 	  The Lease by its terms shall expire on August 31, 2001 (“Prior Termination Date”), and the parties desire to extend the Term of the Lease, all on the
following terms and conditions.
 
	  
 	  
 
	  C.
 	  Tenant desires to surrender a portion of the Current Premises to Landlord containing approximately 812 rentable square feet described as Suite No. 830 on the
8th floor of the Building as shown on Exhibit A hereto (the “Reduction Space”) and that the Lease be appropriately amended, and Landlord is willing to accept such surrender on the following terms and
conditions.
 
	  
 	  
 
	            NOW, THEREFORE, in consideration of the mutual covenants and agreements herein contained and
other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Landlord and Tenant agree as follows:
 
	  
 
	  I.
 	  Extension. The Term of the Lease is hereby extended for a period of sixty (60) months and shall expire on August 31, 2006 (the “Extended
Termination Date”), unless sooner terminated in accordance with the terms of the Lease. That portion of the Term commencing the day immediately following the Prior Termination Date (“Extension Date”) and ending on the Extended
Termination Date shall be referred to herein as the “Extended Term”.
 
	  
 	  
 
	 II.
 	  Reduction.
 
	  
 	  
 	  
 	  
 
	  
 	  A.
 	  Tenant shall vacate the Reduction Space in accordance with the terms of the Lease on or prior to August 31, 2001, which is the date immediately preceding the
Reduction Effective Date (defined in II.B. below) and Tenant shall fully comply with all obligations under the Lease respecting the Reduction Space up to the Reduction Effective Date, including those provisions relating to the condition of the
Reduction Space and removal of Tenant’s Property therefrom.
 
	  
 	  
 	  
 	  
 
	  
 	  B.
 	  Effective as of September 1, 2001 (the “Reduction Effective Date”), the Premises is decreased from 7,694 rentable square feet on the 2nd
and 8th floors to 6,882 rentable square feet on the 2nd floor by the elimination of the Reduction Space. As of the Reduction Effective Date, the Reduction Space shall be deemed surrendered by Tenant to Landlord, the
Lease shall be deemed terminated with respect to the Reduction Space, and the “Premises”, as defined in the Lease, shall be deemed to mean the Current Premises, less the Reduction Space.
 
	  
 	  
 	  
 	  
 
	  
 	 C.
 	  If Tenant shall holdover in the Reduction Space beyond the day immediately preceding the Reduction Effective Date, Tenant shall be liable for Base Monthly Rental,
Additional Rent and other charges respecting the Reduction Space equal to twice the amount in effect under the Lease prorated on a per diem basis and on a per square foot basis for the Reduction Space. Such holdover amount shall not be in limitation
of Tenant’s liability for consequential or other damages arising from Tenant’s holding over nor shall it be deemed permission for Tenant to holdover in the Reduction Space.
 

  1

	  
 	  D.
 	  Notwithstanding anything in this Amendment to the contrary, Tenant shall remain liable for all year-end adjustments with respect to Tenant’s Pro Rata Share of the Tax
Excess and Tenant’s Pro Rata Share of the Expense Excess (as defined in the Fourth Amendment) applicable to the Reduction Space for that portion of the calendar year preceding the Reduction Effective Date. Such adjustments shall be paid at the
time, in the manner and otherwise in accordance with the terms of the Lease, unless otherwise provided herein.
 
	  
 	  
 	  
 
	  III.
 	  Base Monthly Rental. As of the Extension Date, the schedule of Base Monthly Rental payable with respect to the Premises (i.e., the Current Premises
less the Reduction Space) during the Extended Term is the following:
 

 

	  Period
 	   
 	  Annual Rate
 Per Square Foot
 	   
 	  Base
 Annual Rental
 	   
 	  Base Monthly Rental
 	   
 
	 
 	   
 	 
 	   
 	 
 	   
 	 
 	   
 
	  9/1/01-8/31/02
 	  
 	  $
 	  25.25
 	  
 	  $
 	  173,770.56
 	  
 	  $
 	  14,480.88
 	  
 
	 9/1/02-8/31/03
 	  
 	  $
 	  26.01
 	  
 	  $
 	  179,000.88
 	  
 	  $
 	  14,916.74
 	  
 
	  9/1/03-8/31/04
 	  
 	  $
 	  26.79
 	  
 	  $
 	  184,368.84
 	  
 	  $
 	  15,364.07
 	  
 
	  9/1/04-8/31/05
 	  
 	  $
 	  27.59
 	  
 	  $
 	  189,874.44
 	  
 	  $
 	  15,822.87
 	  
 
	 9/1/05-8/31/06
 	  
 	  $
 	  28.42
 	  
 	  $
 	  195,586.44
 	  
 	  $
 	  16,298.87
 	  
 

 

	  
 	  All such Base Monthly Rental shall be payable by Tenant in accordance with the terms of the Lease.
 
	  
 	  
 
	  IV.
 	  Additional Security Deposit. None.
 
	  
 	  
 
	  V.
 	  Expenses and Taxes. For the period commencing on the Extension Date and ending on the Extended Termination Date, Tenant shall pay Tenant’s Pro
Rata Share of the Expense Excess and Tenant’s Pro Rata Share of the Tax Excess for the Premises (i.e., the Current Premises less the Reduction Space). Accordingly, from and after the Extension Date, Section IV of the Fourth Amendment is hereby
amended as follows:
 
	  
 	  
 
	  
 	 A.
 	  The introductory language in said Section IV shall be deleted and the following shall be inserted in its place:
 
	  
 	  
 	  
 
	  
 	  
 	  “Operating Costs and Tenant’s Pro Rata Share. For the period commencing with the Extension Date and ending on the Extended Termination Date (such period
is referred to in this Section IV as the “Extended Term”) the following provisions shall apply with respect to the Premises:”
 
	  
 	  
 	  
 
	  
 	  B.
 	  The defined term “Additional Term” contained in said Section IV shall be replaced by the defined term “Extended Term” in each place in which it
occurs.
 
	  
 	  
 	  
 
	  
 	  C.
 	  Section F.1 of said Section IV shall be modified to provide that “Tenant’s Pro Rata Share” shall mean 1.3634%.
 
	  
 	  
 	  
 
	  
 	 D.
 	  Section F.3 of said Section IV shall be modified to provide that the “Base Year” shall mean the calendar year 2001.
 
	  
 	  
 	  
 
	  
 	  E.
 	  Section F.5 of said Section IV shall be modified to provide that the “Rentable Square Footage of the Building ”shall mean 504,758 square feet.
 
	  
 	  
 	  
 
	  VI.
 	  Improvements to Premises.
 
	  
 	  
 
	  
 	  A.
 	  Condition of Premises. Tenant is in possession of the Premises and accepts the same “as is” without any agreements, representations, understandings or
obligations on the part of Landlord to perform any alterations, repairs or improvements, except as may be expressly provided otherwise in this Amendment.
 
	  
 	  
 	  
 
	  
 	  B.
 	  Responsibility for Improvements to Premises. Upon full execution of this Amendment, Landlord shall perform improvements to the Premises in accordance with the Work List
attached hereto as Exhibit B.
 
	  
 	  
 	  
 
	 VII.
 	  Representations. Each party represents to the other that it has full power and authority to execute this Amendment. Tenant represents that it has not
made any assignment, sublease, transfer, conveyance of the Lease or any interest therein or in the Reduction
 

  2

	  
 	  Space other than those explicitly recited herein and further represents that there is not and will not hereafter be any claim, demand, obligation, liability, action
or cause of action by any other party respecting, relating to or arising out of the Reduction Space, and Tenant agrees to indemnify and hold harmless Landlord and the Landlord Related Parties (as defined in the “Miscellaneous” Section
below) from all liabilities, expenses, claims, demands, judgments, damages or costs arising from any of the same, including without limitation, attorneys’ fees. Tenant acknowledges that Landlord will be relying on this Amendment in entering
into leases for the Reduction Space with other parties.
 
	  
 	  
 
	  VIII.
 	  Other Pertinent Provisions. Landlord and Tenant agree that, effective as of the date of this Amendment (unless different effective date(s) is/are
specifically referenced in this Section), the Lease shall be amended in the following additional respects:
 
	  
 	  
 
	  
 	 A.
 	  Deleted Provisions. Section 5 of the Second Amendment (regarding Tenant’s Extension Right) is hereby deleted in its entirety and of no further force or
effect.
 
	  
 	  
 
	  
 	  B.
 	  Base Monthly Rental Adjustment. Section 6 (Base Monthly Rental Adjustment) of the Lease and Special Stipulation 4 of the Lease, as amended by Section 3 of the
Second Amendment, shall be inapplicable during the Extended Term, it being agreed that the annual escalations in Base Monthly Rental for the Premises described in such Sections are already reflected in the rent schedule described in Section III
above.
 
	  
 	  
 
	  
 	  C.
 	  Parking. Section VII.F. of the Fourth Amendment is hereby deleted in its entirety and the following is inserted in its place:
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  “Effective as of the Extension Date, Special Stipulation 15, “Parking”, of the Lease regarding the parking spaces which are available to Tenant’s
employees and visitors, is modified, with respect to the Premises, to provide a ratio of 3.5 unassigned parking spaces per 1,000 rentable square feet contained in the Premises. Therefore, effective as of the Extension Date, Tenant shall be entitled
t o a total of 24 unreserved parking spaces for parking by Tenant and its employees, free of charge, during the Extended Term. Such 24 spaces are in satisfaction of, and not in addition to, the 3.0 unassigned parking spaces per 1,000 rentable square
feet of office space to which Tenant would be entitled under said Special Stipulation 15 with respect to the Premises. Further, the parties agree that Landlord shall have the right from time to time to promulgate reasonable rules and regulations
regarding the parking garage, surface parking areas, the parking spaces and the use thereof, including, but not limited to, rules and regulations controlling the flow of traffic to and from various parking areas, the angle and direction of parking
and the like. Tenant shall comply with and cause its employees to comply with all such rules and regulations as well as all reasonable additions and amendments thereto.
 
	  
 	  
 	  
 	  
 
	 IX.
 	  Miscellaneous.
 
	  
 	  
 	  
 	  
 
	  
 	  A.
 	  This Amendment sets forth the entire agreement between the parties with respect to  the matters set forth herein. There have been no additional oral or written
representations or agreements. Under no circumstances shall Tenant be entitled to any Rent abatement, improvement allowance, leasehold improvements, or other work to the Premises, or any similar economic incentives that may have been provided Tenant
in connection with entering into the Lease, unless specifically set forth in this Amendment.
 
	  
 	  
 	  
 	  
 
	  
 	  B.
 	  Except as herein modified or amended, the provisions, conditions and terms of the Lease shall remain unchanged and in full force and effect.
 
	  
 	  
 	  
 
	  
 	  C.
 	  In the case of any inconsistency between the provisions of the Lease and this Amendment, the provisions of this Amendment shall govern and control.
 
	  
 	  
 	  
 
	  
 	 D.
 	  Submission of this Amendment by Landlord is not an offer to enter into this Amendment but rather is a solicitation for such an offer by Tenant. Landlord shall not be
bound by this Amendment until Landlord has executed and delivered the same to Tenant.
 

  3

	  
 	  E.
 	  The capitalized terms used in this Amendment shall have the same definitions as set forth in the Lease to the extent that such capitalized terms are defined therein
and not redefined in this Amendment.
 
	  
 	  
 	  
 	  
 
	  
 	  F.
 	  Tenant hereby represents to Landlord that Tenant has dealt with no broker in connection with this Amendment, other than CTR Partners, LLP. Tenant agrees to indemnify
and hold Landlord, its members, principals, beneficiaries, partners, officers, directors, employees, mortgagee(s) and agents, and the respective principals and members of any such agents (collectively, the “Landlord Related Parties”)
harmless from all claims of any brokers claiming to have represented Tenant in connection with this Amendment. Landlord hereby represents to Tenant that Landlord has dealt with no broker in connection with this Amendment. Landlord agrees to
indemnify and hold Tenant, its members, principals, beneficiaries, partners, officers, directors, employees, and agents, and the respective principals and members of any such agents (collectively, the “Tenant Related Parties”) harmless
from all claims of any brokers claiming to have represented Landlord in connection with this Amendment.
 
	  
 	  
 	  
 
	  
 	 G.
 	  Each signatory of this Amendment represents hereby that he or she has the authority to execute and deliver the same on behalf of the party hereto for which such
signatory is acting.
 

  4

             IN WITNESS WHEREOF, Landlord and Tenant have duly executed this Amendment as of the day and year first above
written.

	  
 	  
 	  LANDLORD:
 
	  
 	  
 	  
 
	  
 	  
 	  EOP-PERIMETER CENTER, L.L.C., a Delaware limited liability company
 
	  
 	  
 	  
 
	  
 	  
 	  By:
 	  EOP Operating Limited Partnership, a Delaware limited partnership, its sole member
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  
 	 By:
 	  Equity Office Properties Trust, a Maryland real estate investment trust, its general partner
 
	  
 	  
 	  
 	  
 	  
 
	  
 	  
 	  
 	  
 	  By:
 	  /s/  DONALD E. HUFFNER
 
	  
 	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	  
 	  Name: 
 	  DONALD E. HUFFNER
 
	  
 	  
 	  
 	  
 	 Title:
 	  SENIOR V. P.
 ATLANTA REGION
 
	  
 	  
 	  
 	  
 	  
 
	  
 	  
 	  TENANT:
 
	  
 	  
 	  
 
	  
 	  
 	  CRESCENT BANK AND TRUST COMPANY, a Georgia corporation
 
	  
 	  
 	  
 
	  
 	  
 	  By:
 	  /s/ ROBERT C. KENKNIGHT
 
	  
 	  
 	  
 	 
 
	  
 	  
 	 Name:
 	  ROBERT C. KENKNIGHT
 
	  
 	  
 	  Title:
 	  EXECUTIVE VICE PRESIDENT
 

  5

   EXHIBIT A
  OUTLINE AND DEPICTION OF THE REDUCTION SPACE
  [GRAPHIC APPEARS HERE]
  A-1

   EXHIBIT B
  WORK LIST
              This Exhibit is attached to and made a part of the Amendment dated as of April 11, 2001, by and between EOP-PERIMETER CENTER, L.L.C.
(“Landlord”) and CRESCENT BANK AND TRUST COMPANY (“Tenant”) for space in the Building located at 115 Perimeter Center Place, Atlanta, Georgia.
  As used in this Work List,
the “Premises” shall be deemed to mean the Premises (i.e. the Current Premises less the Reduction Space, as defined in the attached Amendment.)

	  1.
 	  Landlord shall perform improvements to the Premises in accordance with the following work list (the “Work List”). The improvements to be performed in accordance with
the Work List are hereinafter referred to as the “Landlord Work”. It is agreed that construction of the Landlord Work will be completed at Landlord’s sole cost and expense (subject to the Maximum Amount and further subject to the
terms of Paragraph 4 below) using Building Standard methods, materials and finishes. Landlord and Tenant agree that Landlord’s obligation to pay for the cost of Landlord Work (inclusive of the cost of preparing Plans, if any, obtaining permits,
if any, and other related costs) shall be limited to $34,410.00 (the “Maximum Amount”) and that Tenant shall be responsible for the cost of Landlord Work, plus any applicable state, sales or use tax, if any, to the extent that it exceeds
the Maximum Amount. Landlord shall enter into a direct contract for the Landlord Work with a general contractor selected by Landlord. In addition, Landlord shall have the right to select and/or approve of any subcontractors used in connection with
the Landlord Work.
 

 WORK LIST

	  
 	  ITEM
 	  
 	  
 
	  
 	 
 	  
 	  
 
	  
 	  1.
 	  
 	  Recarpet the carpeted areas.
 
	  
 	  2.
 	  
 	  Repaint the painted walls.
 
	  
 	  3.
 	  
 	  Install new vinyl wall covering in the breakroom.
 
	  
 	  4.
 	  
 	  Remove lower portion of wall covering in corridor, paint and add chair rail in corridor area and in open area at the north end of the Corridor.
 
	  
 	  5.
 	  
 	  Repair cabinetry in the breakroom as needed.
 
	  
 	 6.
 	  
 	  Relocate the Liebert cooling unit from Suite 830 to Suite 285.
 
	  
 	  7.
 	  
 	  All electrical work related to the computer room area shall be replicated from that which currently exists in the Reduction Space as required.
 
	  
 	  8.
 	  
 	  Clean all remaining wall covering throughout the Premises.
 

 

	  2.
 	  All other work and upgrades, subject to Landlord’s approval, shall be at Tenant’s sole cost and expense, plus any applicable state sales or use tax thereon, payable
upon demand as Additional Rent. Tenant shall be responsible for any delay in completion of the Premises resulting from any such other work and upgrades requested or performed by Tenant.
 
	  
 	  
 
	  3.
 	  Landlord’s supervision or performance of any work for or on behalf of Tenant shall not be deemed to be a representation by Landlord that such work complies with applicable
insurance requirements, building codes, ordinances, laws or regulations or that the improvements constructed will be adequate for Tenant’s use.
 
	  
 	  
 
	 4.
 	  Any portion of the Maximum Amount which exceeds the cost of the Landlord Work or is otherwise remaining after December 31, 2001, shall accrue to the sole benefit of Landlord, it
being agreed that Tenant shall not be entitled to any credit, offset, abatement or payment with respect thereto.
 
	  
 	  
 
	  5.
 	  This Exhibit B shall not be deemed applicable to any additional space added to the original Premises at any time or from time to time, whether by any options under the Lease or
otherwise, or to any portion of the original Premises or any additions to the Premises in the event of a renewal or extension of the original Term of this Lease, whether by any options under the Lease or otherwise, unless expressly so provided in
the Lease or any amendment or supplement to the Lease.
 

  B-1

              IN WITNESS WHEREOF, Landlord and Tenant have entered into this Exhibit as of the date first written
above.

	  
 	  LANDLORD:
 
	  
 	  
 	  
 	  
 
	  
 	  EOP PERIMETER CENTER, L.L.C., a Delaware limited liability company
 
	  
 	  
 	  
 	  
 
	  
 	 By:
 	  EOP Operating Limited Partnership, a Delaware limited partnership, its sole member
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  By:
 	  Equity Office Properties Trust, a Maryland real estate investment trust, its general partner
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  
 	  By:
 	  /s/ DONALD E. HUFFNER
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	 Name:
 	  DONALD E. HUFFNER
 
	  
 	  
 	  
 	  Title:
 	  SENIOR V. P.
 ATLANTA REGION
 
	  
 	  
 	  
 	  
 	  
 
	  
 	  TENANT:
 
	  
 	  
 	  
 	  
 
	  
 	  CRESCENT BANK AND TRUST COMPANY, a Georgia corporation
 
	  
 	  
 	  
 	  
 
	  
 	  By:
 	  /s/ ROBERT C. KENKNIGHT
 
	  
 	  
 	 
 
	  
 	 Name:
 	  ROBERT C. KENKNIGHT
 
	  
 	  Title:
 	  EXECUTIVE VICE PRESIDENT
 

  B-2

   SIXTH AMENDMENT
            THIS SIXTH
AMENDMENT (the “Amendment”) is made and entered into as of the 13th day of February, 2003, by and between EOP-PERIMETER CENTER, L.L.C., a Delaware limited liability company (“Landlord”), and CRESCENT BANK
AND TRUST COMPANY, a Georgia corporation (“Tenant”).
  RECITALS

	  A.
 	  Landlord (as successor by merger to Beacon Properties, L.P., the successor in interest to Perimeter Center/South Terraces Associates) and Tenant are parties to that certain
lease dated February 4, 1993, which lease has been previously amended by instruments dated September 20, 1993 (the “First Amendment”), June 13, 1996 (the “Second Amendment”), December 16, 1997 (the “Third Amendment”),
July 27, 1999 (the “Fourth Amendment”) and April 11, 2001 (the “Fifth Amendment”) (collectively, the “Lease”). Pursuant to the Lease, Landlord has leased to Tenant space currently containing approximately 6,882
rentable square feet (the “Original Premises”) described as Suite No. 285 on the 2nd floor of the building commonly known as South Terraces located at 115 Perimeter Center Place, Atlanta, Georgia (the
“Building”).
 
	  
 	  
 
	 B.
 	  Tenant has requested that additional space containing approximately 994 rentable square feet described as Suite No. 1149 on the 11th floor of the Building
shown on Exhibit A hereto (the “Temporary Space”) be added to the Original Premises on a temporary basis and that the Lease be appropriately amended and Landlord is willing to do the same on the following terms and
conditions.
 

            NOW, THEREFORE, in consideration of the mutual covenants and agreements herein contained and
other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Landlord and Tenant agree as follows:

	  I.
 	  Expansion and Effective Date.
 
	  
 	  
 
	  
 	  A.
 	  For the period commencing on February 13, 2003 (the “Temporary Space Effective Date”) and ending on the Temporary Space Termination Date (as defined below), the
Premises, as defined in the Lease, is temporarily increased from 6,882 rentable square feet on the 2nd floor to 7,876 rentable square feet on the 2nd and 11th floors by the addition of the Temporary Space, and
during the Temporary Space Term (as defined below), the Original Premises and the Temporary Space, collectively, shall be deemed the Premises, as defined in the Lease.
 
	  
 	  
 	  
 
	  
 	 B.
 	  The Term for the Temporary Space (the “Temporary Space Term”) shall commence on the Temporary Space Effective Date and end on August 9, 2003, unless sooner terminated
pursuant to the terms of the Lease (the “Temporary Space Termination Date”). The Temporary Space is subject to all the terms and conditions of the Lease except as expressly modified herein and except that Tenant shall not be entitled to
receive any allowances, abatement or other financial concession granted with respect to the Original Premises unless such concessions are expressly provided for herein with respect to the Temporary Space.
 
	  
 	  
 	  
 
	  II.
 	  Base Monthly Rental. In addition to Tenant’s obligation to pay Base Monthly Rental for the Original Premises, during the Temporary Space Term,
Tenant shall pay Landlord the sum of $994.00 per month as Base Monthly Rental for the Temporary Space with each such installment payable on or before the first day of each month during the period beginning on the Temporary Space Effective Date and
ending on the Temporary Space Termination Date, prorated for any partial month within the Temporary Space Term.
 
	  
 	  
 
	  
 	  All such Base Monthly Rental shall be payable by Tenant in accordance with the terms of the Lease.
 
	  
 	  
 
	  III.
 	  Tenant’s Pro Rata Share. Tenant shall not be obligated to pay Tenant’s Pro Rata Share of Expenses and Taxes with respect to the Temporary
Space, it being understood that such sum is included in the Base Monthly Rental payable with respect to the Temporary Space; provided, however, the foregoing shall not affect Tenant’s obligation to pay Tenant’s Pro Rata Share of Expenses
and Taxes with respect to the Original Premises as provided in the Lease.
 

 1

	  IV.
 	  Improvements to Temporary Space.
 
	  
 	  
 
	  
 	  A.
 	  Condition of Temporary Space.  Tenant has inspected the Temporary Space and agrees to accept the same “as is” without any agreements, representations,
understandings or obligations on the part of Landlord to perform any alterations, repairs or improvements. Tenant shall vacate the Temporary Space on or prior to the Temporary Space Termination Date and deliver up the Temporary Space to Landlord in
as good condition as the Temporary Space was delivered to Tenant, ordinary wear and tear excepted.
 
	  
 	  
 	  
 
	  
 	  B.
 	  Responsibility for Improvements to Temporary Space.  Any construction, alterations or improvements to the Temporary Space shall be performed by Tenant at its sole
cost and expense using contractors selected by Tenant and approved by Landlord and shall be governed in all respects by the provisions of Section 13 of the Lease. In any and all events, the Temporary Space Effective Date shall not be postponed or
delayed if the initial improvements to the Temporary Space are incomplete on the Temporary Space Effective Date for any reason whatsoever. Any delay in the completion of initial improvements to the Temporary Space shall not subject Landlord to any
liability for any loss or damage resulting therefrom.
 
	  
 	  
 	  
 
	 V.
 	  Early Access to Temporary Space.  During any period that Tenant shall be permitted to enter the Temporary Space prior to the Temporary
Space Effective Date (e.g., to perform alterations or improvements, if any), Tenant shall comply with all terms and provisions of the Lease, except those provisions requiring payment of Base Monthly Rental as to the Temporary Space. If Tenant takes
possession of the Temporary Space prior to the Temporary Space Effective Date for any reason whatsoever (other than the performance of work in the Temporary Space with Landlord’s prior approval), such possession shall be subject to all the
terms and conditions of the Lease and this Amendment, and Tenant shall pay Base Monthly Rental as applicable to the Temporary Space to Landlord on a per diem basis for each day of occupancy prior to the Temporary Space Effective Date.

	  
 	  
 
	  VI.
 	  Mutual Termination Option.  At any time during the Temporary Space Term, as same may be extended by written agreement between the parties,
Landlord and Tenant each shall have the right to terminate the Lease, with respect to the Temporary Space only (“Temporary Space Termination Option”), for any reason by providing at least 30 days prior written notice to the other party,
which notice shall be deemed irrevocable regardless of anything to the contrary contained in such notice. Upon delivery of such notice, the Lease shall be deemed terminated with respect to the Temporary Space as of the date of termination
(“Accelerated Temporary Space Termination Date”) specified in such notice and Tenant shall vacate the Temporary Space on or prior to the Accelerated Temporary Space Termination Date and deliver up the Temporary Space to Landlord in as good
condition as the Temporary Space was delivered to Tenant, ordinary wear and tear excepted. If either party exercises the Temporary Space Termination Option as provided for herein, Tenant shall remain liable for all obligations relating to the
Temporary Space up to and including the Accelerated Temporary Space Termination Date, including, without limitation, the payment of all rent and other sums due under the Lease with respect to the Temporary Space up to and including the Accelerated
Temporary Space Termination Date even though billings for such may occur subsequent to the Accelerated Temporary Space Termination Date. In no event shall the termination of the Lease with respect to the Temporary Space as provided herein affect any
of the rights or obligations of the parties under the Lease with respect to the Original Premises or be deemed a termination of the Lease with respect to any portion of the Original Premises.
 
	  
 	  
 
	 VII.
 	  No Extension or Expansion Options.  The parties hereto acknowledge and agree that any option or other rights contained in the Lease which
entitle Tenant to extend the term of the Lease or expand the Premises shall apply only to the Original Premises and shall not be applicable to the Temporary Space in any manner.
 
	  
 	  
 
	  VIII.
 	  Holdover.  If Tenant should holdover in the Temporary Space after expiration or earlier termination of the Temporary Space Term, any
remedies available to Landlord as a consequence of such holdover contained in Section 12 of the Lease or otherwise shall be applicable, but only with respect to the Temporary Space and shall not be deemed applicable to the Original Premises unless
and until Tenant holds over in the Original Premises after expiration or earlier termination of the Extended Term.
 

  2

	  IX.
 	  Other Pertinent Provisions.  Landlord and Tenant agree that, effective as of the date of this Amendment (unless different effective date(s) is/are
specifically referenced in this Section), the Lease shall be amended in the following additional respects:
 
	  
 	  
 
	  
 	 A.
 	  Notice Addresses. Section 25, Notices, of the Lease, as amended, is hereby amended to reflect that notices to Landlord shall be addressed as follows:
 
	  
 	  
 	  
 
	  
 	  
 	  EOP-Perimeter Center, L.L.C.
 
	  
 	  
 	  c/o Equity Office Properties Trust
 
	  
 	  
 	  115 Perimeter Center Place, Suite 560
 
	  
 	  
 	  Atlanta, Georgia 30346-1223 
 
	  
 	  
 	  Attention: Building Manager, Group I
 
	  
 	  
 	  
 
	  
 	  
 	  with a copy to:
 
	  
 	  
 	  
 
	  
 	  
 	 Equity Office Properties Trust
 
	  
 	  
 	  Two North Riverside Plaza
 
	  
 	  
 	  Suite 2100
 
	  
 	  
 	  Chicago, Illinois 60606
 
	  
 	  
 	  Attention: Regional Counsel - Atlanta Region
 
	  
 	  
 	  
 
	  
 	  B.
 	  Parking. With respect to the Temporary Space, Special Stipulation 5, “Parking”, of the Lease, as amended, shall be amended to reflect that 3 additional
unreserved parking spaces shall be made available to Tenant for parking by Tenant and its employees, free of charge, during the Temporary Space Term on a first come, first serve basis. The use of such parking spaces shall be subject to the terms of
Special Stipulation 5 of the Lease, as amended.
 
	  
 	  
 	  
 
	  X.
 	  Miscellaneous.
 
	  
 	  
 
	  
 	 A.
 	  This Amendment and the attached exhibits, which are hereby incorporated into and made a part of this Amendment, set forth the entire agreement between the parties with respect
to the matters set forth herein. There have been no additional oral or written representations or agreements. Under no circumstances shall Tenant be entitled to any Rent abatement, improvement allowance, leasehold improvements, or other work to the
Premises, or any similar economic incentives that may have been provided Tenant in connection with entering into the Lease, unless specifically set forth in this Amendment.
 
	  
 	  
 	  
 
	  
 	  B.
 	  Except as herein modified or amended, the provisions, conditions and terms of the Lease shall remain unchanged and in full force and effect.
 
	  
 	  
 	  
 
	  
 	  C.
 	  In the case of any inconsistency between the provisions of the Lease and this Amendment, the provisions of this Amendment shall govern and control.
 
	  
 	  
 	  
 
	  
 	  D.
 	  Submission of this Amendment by Landlord is not an offer to enter into this Amendment but rather isa solicitation for such an offer by Tenant. Landlord shall not be bound by
this Amendment until Landlord has executed and delivered the same to Tenant.
 
	  
 	  
 	  
 
	  
 	 E.
 	  The capitalized terms used in this Amendment shall have the same definitions as set forth in the Lease to the extent that such capitalized terms are defined therein and not
redefined in this Amendment.
 
	  
 	  
 	  
 
	  
 	  F.
 	  Tenant hereby represents to Landlord that Tenant has dealt with no broker in connection with this Amendment. Tenant agrees to indemnify and hold Landlord, its members,
principals, beneficiaries, partners, officers, directors, employees, mortgagee(s) and agents, and the respective principals and members of any such agents (collectively, the “Landlord Related Parties”) harmless from all claims of any
brokers claiming to have represented Tenant in connection with this Amendment. Landlord hereby represents to Tenant that Landlord has dealt with no broker in connection with this Amendment. Landlord agrees to indemnify and hold Tenant, its members,
principals, beneficiaries, partners, officers, directors, employees, and agents, and the respective principals and members of any such agents (collectively, the “Tenant Related Parties”) harmless from all claims of any brokers claiming to
have represented Landlord in connection with this Amendment.
 
	  
 	  
 	  
 
	  
 	  G.
 	  Each signatory of this Amendment represents hereby that he or she has the authority to execute and deliver the same on behalf of the party hereto for which
 

 3

	  
 	  
 	  such signatory is acting.
 

            IN WITNESS
WHEREOF, Landlord and Tenant have duly executed this Amendment as of the day and year first above written.

	  
 	  LANDLORD:
 
	  
 	  
 	  
 	  
 
	  
 	  EOP-PERIMETER CENTER, L.L.C., a Delaware limited liability company
 
	  
 	  
 	  
 	  
 
	  
 	  By:
 	  EOP Operating Limited Partnership, a Delaware limited partnership, its sole member
 
	  
 	  
 	  
 	  
 
	  
 	  
 	 By:
 	  Equity Office Properties Trust, a Maryland real estate investment trust, its general partner
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  
 	  By:
 	  /s/ DONALD E. HUFFNER
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	  Name:
 	  DONALD E. HUFFNER
 
	  
 	  
 	  
 	  Title:
 	  SENIOR V. P.
 ATLANTA REGION
 
	  
 	  
 	  
 	  
 	  
 
	  
 	 TENANT:
 
	  
 	  
 	  
 	  
 
	  
 	  CRESCENT BANK AND TRUST COMPANY, a Georgia corporation
 
	  
 	  
 	  
 	  
 
	  
 	  By:
 	  /s/ ROBERT C. KENKNIGHT
 
	  
 	  
 	 
 
	  
 	  Name:
 	  ROBERT C. KENKNIGHT
 
	  
 	  Title:
 	  EXECUTIVE VICE PRESIDENT
 

 4

   EXHIBIT A
  OUTLINE AND LOCATION OF TEMPORARY SPACE
  [GRAPHIC APPEARS HERE]
  5

   SEVENTH AMENDMENT
            THIS SEVENTH
AMENDMENT (the “Amendment”) is made and entered into as of the 18th day of March, 2003, by and between EOP-PERIMETER CENTER, L.L.C., a Delaware limited liability company (“Landlord”), and CRESCENT BANK AND
TRUST COMPANY, a Georgia corporation (“Tenant”).
  RECITALS

	  A.
 	  Landlord (as successor by merger to Beacon Properties, L.P., the successor in interest to Perimeter Center/South Terraces Associates) and Tenant are parties to that certain
lease dated February 4, 1993, which lease has been previously amended by instruments dated September 20, 1993 (the “First Amendment”), June 13, 1996 (the “Second Amendment”), December 16, 1997 (the “Third Amendment”),
July 27, 1999 (the “Fourth Amendment”), April 11, 2001 (the “Fifth Amendment”) and February 13, 2003 (the “Sixth Amendment”) (collectively, the “Lease”). Pursuant to the Lease, Landlord has leased to Tenant
space currently containing approximately 7,876 rentable square feet (the “Original Premises”) described as (i) Suite No. 285 on the 2nd floor (6,882 rentable square feet) and (ii) Suite No. 1149 on the 11th
floor (994 rentable square feet) (the “Temporary Space”) of the building commonly known as South Terraces located at 115 Perimeter Center Place, Atlanta, Georgia (the “Building”).
 
	  
 	  
 
	 B.
 	  Tenant has requested that additional space containing approximately 1,262 rentable square feet on the 2nd floor of the Building shown on Exhibit A
hereto (the “Expansion Space”) be added to the Original Premises and that the Lease be appropriately amended and Landlord is willing to do the same on the following terms and conditions.
 

             NOW, THEREFORE, in consideration of the mutual covenants and agreements herein contained and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, Landlord and Tenant agree as follows:

	  I.
 	  Expansion and Effective Date. Effective as of the Expansion Effective Date (defined below), the Premises, as defined in the Lease, is increased from
7,876 rentable square feet on the 2nd and 11th floors (of which 994 rentable square feet is Temporary Space) to 9,138 rentable square feet on the 2nd and 11th floors (of which 994 rentable square
feet is Temporary Space) by the addition of the Expansion Space, and from and after the Expansion Effective Date, the Original Premises and the Expansion Space, collectively, shall be deemed the Premises, as defined in the Lease. The Term for the
Expansion Space shall commence on the Expansion Effective Date and end on the Extended Termination Date, which is August 31, 2006. The Expansion Space is subject to all the terms and conditions of the Lease except as expressly modified herein and
except that Tenant shall not be entitled to receive any allowances, abatements or other financial concessions granted with respect to the Original Premises unless such concessions are expressly provided for herein with respect to the Expansion
Space.
 
	  
 	  
 
	  
 	 A.
 	  The Expansion Effective Date shall be the later to occur of (i) March 1, 2003 (“Target Expansion Effective Date”), and (ii) the date upon which the
Landlord Work (as defined in the Work Letter attached as Exhibit B hereto) in the Expansion Space has been substantially completed; provided, however, that if Landlord shall be delayed in substantially completing the Landlord Work in the
Expansion Space as a result of the occurrence of a Tenant Delay (defined below), then, for purposes of determining the Expansion Effective Date, the date of substantial completion shall be deemed to be the day that said Landlord Work would have been
substantially completed absent any such Tenant Delay(s). A “Tenant Delay” means any act or omission of Tenant or its agents, employees, vendors or contractors that actually delays substantial completion of the Landlord Work, including,
without limitation, the following:
 
	  
 	  
 	  
 
	  
 	  
 	  1.
 	  Tenant’s failure to furnish information or approvals within any time period specified in the Lease or this Amendment, including the failure to prepare or approve
preliminary or final plans by any applicable due date;
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  2.
 	  Tenant’s selection of equipment or materials that have long lead times after first being informed by Landlord that the selection may result in a delay;
 

	  
 	  
 	 3.
 	  Changes requested or made by Tenant to previously approved plans and specifications;
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  4.
 	  The performance of work in the Expansion Space by Tenant or Tenant’s contractor(s) during the performance of the Landlord Work; or
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  5.
 	  If the performance of any portion of the Landlord Work depends on the prior or simultaneous performance of work by Tenant, a delay by Tenant or Tenant’s contractor(s) in
the completion of such work.
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  The Expansion Space shall be deemed to be substantially completed on the date that Landlord reasonably determines that all Landlord Work has been performed (or would
have been performed absent any Tenant Delays), other than any details of construction, mechanical adjustment or any other matter, the noncompletion of which does not materially interfere with Tenant’s use of the Expansion Space. The adjustment
of the Expansion Effective Date and, accordingly, the postponement of Tenant’s obligation to pay Rent on the Expansion Space shall be Tenant’s sole remedy and shall constitute full settlement of all claims that Tenant might otherwise have
against Landlord by reason of the Expansion Space not being ready for occupancy by Tenant on the Target Expansion Effective Date.
 
	  
 	  
 	  
 
	  
 	 B.
 	  In addition to the postponement, if any, of the Expansion Effective Date as a result of the applicability of Paragraph I.A. of this Amendment, the Expansion
Effective Date shall be delayed to the extent that Landlord fails to deliver possession of the Expansion Space for any other reason (other than Tenant Delays by Tenant), including but not limited to, holding over by prior occupants. Any such delay
in the Expansion Effective Date shall not subject Landlord to any liability for any loss or damage resulting therefrom. If the Expansion Effective Date is delayed, the Termination Date under the Lease shall not be similarly extended.

	  
 	  
 	  
 
	  II.
 	  Base Monthly Rental. In addition to Tenant’s obligation to pay Base Monthly Rental for the Original
Premises, Tenant shall pay Landlord Base Monthly Rental for the Expansion Space as follows:
 

 

	  Months of Term
 	   
 	  Annual Rate
 Per Square Foot 
 	   
 	  Annual
 Base Rental
 	   
 	  Base Monthly
 Rental
 	   
 
	 
 	  
 	 
 	 
 	  
 	 
 	 
 	  
 	 
 	 
 	  
 
	 1 -12
 	  
 	  $
 	  20.00
 	  
 	  $
 	  25,239.96
 	  
 	  $
 	  2,103.33
 	  
 
	  13-24
 	  
 	  $
 	  20.60
 	  
 	  $
 	  25,997.16
 	  
 	  $
 	  2,166.43
 	  
 
	 25-36
 	  
 	  $
 	  21.22
 	  
 	  $
 	  26,779.68
 	  
 	  $
 	  2,231.64
 	  
 
	  37-42
 	  
 	  $
 	  21.86
 	  
 	  $
 	  13,793.64
 	  *
 	  $
 	  2,298.94
 	  
 

 

	  
 	  * Prorated based on a 6-month period.
 
	  
 	  
 
	  
 	 All such Base Monthly Rental shall be payable by Tenant in accordance with the terms of the Lease.
 
	  
 	  
 
	  
 	  Landlord and Tenant acknowledge that the foregoing schedule is based on the assumption that the Expansion Effective Date is the Target Expansion Effective Date. If the Expansion
Effective Date is other than the Target Expansion Effective Date, the schedule set forth above with respect to the payment of any installment(s) of Base Monthly Rental for the Expansion Space shall be appropriately adjusted on a per diem basis to
reflect the actual Expansion Effective Date, and the actual Expansion Effective Date shall be set forth in a confirmation letter to be prepared by Landlord. However, the effective date of any increases or decreases in the Base Monthly Rental rate
shall not be postponed as a result of an adjustment of the Expansion Effective Date as provided above.
 
	  
 	  
 
	  III.
 	  Additional Security Deposit. No additional security deposit shall be required in connection with this Amendment.
 
	  
 	  
 
	  IV.
 	  Tenant’s Pro Rata Share. For the period commencing with the Expansion Effective Date and ending on the Termination Date, Tenant’s Pro Rata Share for the
Expansion Space is .2500%.
 

 - 2 -

	  V.
 	  Expenses and Taxes. For the period commencing with the Expansion Effective Date and ending on the Termination Date, Tenant shall pay for
Tenant’s Pro Rata Share of Expenses and Taxes applicable to the Expansion Space in accordance with the terms of the Lease, provided, however, during such period, the Base Year for the computation of Tenant’s Pro Rata Share of Expenses and
Taxes applicable to the Expansion Space is 2003.
 
	  
 	  
 
	  VI.
 	  Improvements to Expansion Space.
 
	  
 	  
 
	  
 	  A.
 	  Condition of Expansion Space. Tenant has inspected the Expansion Space and agrees to accept the same “as is” without any agreements,
representations, understandings or obligations on the part of Landlord to perform any alterations, repairs or improvements, except as may be expressly provided otherwise in this Amendment.
 
	  
 	  
 	  
 
	  
 	  
 	  B.
 	  Responsibility for Improvements to Expansion Space. Landlord shall perform improvements to the Expansion Space in accordance with the Work Letter attached hereto as
Exhibit B.
 
	  
 	  
 	  
 	  
 
	 VII.
 	  Early Access to Expansion Space. During any period that Tenant shall be permitted to enter the Expansion Space prior to the Expansion Effective
Date (e.g., to perform alterations or improvements, if any), Tenant shall comply with all terms and provisions of the Lease, except those provisions requiring payment of Base Monthly Rent or Additional Rent as to the Expansion Space. If Tenant takes
possession of the Expansion Space prior to the Expansion Effective Date for any reason whatsoever (other than the performance of work in the Expansion Space with Landlord’s prior approval), such possession shall be subject to all the terms and
conditions of the Lease and this Amendment, and Tenant shall pay Base Monthly Rent and Additional Rent as applicable to the Expansion Space to Landlord on a per diem basis for each day of occupancy prior to the Expansion Effective Date.

	  
 	  
 
	  VIII.
 	  Other Pertinent Provisions. Landlord and Tenant agree that, effective as of the date of this Amendment (unless different effective date(s)
is/are specifically referenced in this Section), the Lease shall be amended in the following additional respects:
 
	  
 	  
 
	  
 	  A.
 	  Parking. With respect to the Expansion Space, Special Stipulation 5, “Parking”, of the Lease, as amended, shall be amended to reflect that 4
additional unreserved parking spaces shall be made available to Tenant for parking by Tenant and its employees, free of charge, commencing on the Expansion Effective Date and thereafter through the Extended Termination Date on a first come, first
serve basis. The use of such parking spaces shall be subject to the terms of Special Stipulation 5 of the Lease, as amended.
 
	  
 	  
 	  
 
	 IX.
 	  Miscellaneous.
 
	  
 	  
 
	  
 	  A.
 	  This Amendment and the following exhibits and attachments, which are hereby incorporated into and made a part of this Amendment, set forth the entire agreement
between the parties with respect to the matters set forth herein: Exhibit A (Outline and Location of Expansion Space). There have been no additional oral or written representations or agreements.  Under no circumstances shall Tenant be
entitled to any Rent abatement, improvement allowance, leasehold improvements, or other work to the Premises, or any similar economic incentives that may have been provided Tenant in connection with entering into the Lease, unless specifically set
forth in this Amendment.
 
	  
 	  
 	  
 
	  
 	  B.
 	  Except as herein modified or amended, the provisions, conditions and terms of the Lease shall remain unchanged and in full force and effect.
 
	  
 	  
 	  
 
	  
 	  C.
 	  In the case of any inconsistency between the provisions of the Lease and this Amendment, the provisions of this Amendment shall govern and control.
 
	  
 	  
 	  
 
	  
 	 D.
 	  Submission of this Amendment by Landlord is not an offer to enter into this Amendment but rather is a solicitation for such an offer by Tenant. Landlord shall not be
bound by this Amendment until Landlord has executed and delivered the same to Tenant.
 

  - 3 -

	  
 	  E.
 	  The capitalized terms used in this Amendment shall have the same definitions as set forth in the Lease to the extent that such capitalized terms are defined therein and not
redefined in this Amendment.
 
	  
 	  
 	  
 
	  
 	  F.
 	  Tenant hereby represents to Landlord that except for CTR Partners, Tenant has dealt with no other broker in connection with this Amendment. Tenant agrees to indemnify and hold
Landlord, its trustees, members, principals, beneficiaries, partners, officers, directors, employees, mortgagee(s) and agents, and the respective principals and members of any such agents (collectively, the “Landlord Related Parties”)
harmless from all claims of any other brokers claiming to have represented Tenant in connection with this Amendment. Landlord hereby represents to Tenant that Landlord has dealt with no broker in connection with this Amendment. Landlord agrees to
indemnify and hold Tenant, its trustees, members, principals, beneficiaries, partners, officers, directors, employees, and agents, and the respective principals and members of any such agents (collectively, the “Tenant Related Parties”)
harmless from all claims of any brokers claiming to have represented Landlord in connection with this Amendment.
 
	  
 	  
 	  
 
	  
 	 G.
 	  Each signatory of this Amendment represents hereby that he or she has the authority to execute and deliver the same on behalf of the party hereto for which such signatory is
acting.
 
	  
 	  
 	  
 
	  X.
 	  Contingency. This Amendment specifically is contingent upon the amendment of that certain lease dated June 21, 1988, as amended (the “Prior Tenant
Lease”), by and between Landlord (as successor by merger to Beacon Properties, L.P., the successor in interest to Perimeter Center/South Terraces Associates) and Matrix Resources, Inc. (“Prior Tenant”) relating to a reduction in such
tenant’s premises of approximately 1,262 rentable square feet (the “Prior Tenant Space”) on the 2nd floor of the Building, which Prior Tenant Space includes all of the Premises to be leased to Tenant pursuant to the terms
of this Amendment. Landlord currently is negotiating the terms of an amendment with Prior Tenant to surrender the Prior Tenant Space (the “Prior Tenant Reduction Amendment”). If Landlord fails to enter into the Prior Tenant Reduction
Amendment with Prior Tenant on or before the later of (i) March 5, 2003 or (ii) five (5) days following the date this Amendment, executed by Tenant, together with all prepaid rental and security deposits required hereunder, is delivered to Landlord,
then Landlord may terminate this Amendment by providing written notice thereof to Tenant.
 

  [SIGNATURES ARE ON FOLLOWING PAGE]
  - 4 -

              IN WITNESS WHEREOF, Landlord and Tenant have duly executed this Amendment as of the day and year
first above written.

	  
 	  LANDLORD:
 
	  
 	  
 	  
 	  
 
	  
 	  EOP-PERIMETER CENTER, L.L.C., a Delaware limited liability company
 
	  
 	  
 	  
 	  
 
	  
 	  By:
 	  EOP Operating Limited Partnership, a Delaware limited partnership, its sole member
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  By:
 	  Equity Office Properties Trust, a Maryland real estate investment trust, its general partner
 
	  
 	  
 	  
 	  
 
	  
 	  
 	  
 	 By:
 	  /s/ DONALD E. HUFFNER
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	  Name:
 	  DONALD E. HUFFNER
 
	  
 	  
 	  
 	  Title:
 	  SENIOR V.P.
 ATLANTA REGION
 
	  
 	  
 	  
 	  
 	  
 
	  
 	  TENANT:
 
	  
 	  
 	  
 	  
 
	  
 	 CRESCENT BANK AND TRUST COMPANY, a Georgia corporation
 
	  
 	  
 	  
 	  
 
	  
 	  By:
 	  /s/ J. DONALD BOGGUS, JR.
 
	  
 	  
 	 
 
	  
 	  Name:
 	 J. DONALD BOGGUS, JR.
 
	  
 	  Title:
 	  CHIEF EXECUTIVE OFFICER
 

  - 5 -

   EXHIBIT A
  OUTLINE AND LOCATION OF EXPANSION SPACE
 [GRAPHIC APPEARS HERE]
  A-1

   EXHIBIT B
  WORK LETTER
             This Exhibit is attached to and made a part of the Amendment by and between EOP-PERIMETER CENTER, L.L.C. (“Landlord”) and CRESCENT BANK AND
TRUST COMPANY (“Tenant”) for space in the Building located at 115 Perimeter Center Place, Atlanta, Georgia.
  As used in this Work Letter, the “Premises” shall be deemed to
mean the Expansion Space, as defined in the attached Amendment.

	  1.
 	  Landlord, at its sole cost and expense (subject to the terms and provisions of Section 2 below) shall perform improvements to the Premises in accordance with the following work
list (the “Worklist”) using Building standard methods, materials and finishes.  The improvements to be performed in accordance with the Worklist are hereinafter referred to as the “Landlord Work”. Landlord shall enter into a
direct contract for the Landlord Work with a general contractor selected by Landlord. In addition, Landlord shall have the right to select and/or approve of any subcontractors used in connection with the Landlord Work.
 

  WORK LIST

	  
 	  A.
 	  Install a demising wall in the location shown on Exhibit A attached hereto;
 
	  
 	  
 	  
 
	  
 	 B.
 	  Install a cased opening in the location shown on Exhibit A attached hereto;
 
	  
 	  
 	  
 
	  
 	  C.
 	  Re-carpet the Premises; and
 
	  
 	  
 	  
 
	  
 	  D.
 	  Re-paint the Premises.
 
	  
 	  
 	  
 
	  2.
 	  All other work and upgrades, subject to Landlord’s approval, shall be at Tenant’s sole cost and expense, plus any applicable state sales or use tax
thereon, payable upon demand as Additional Rent.  Tenant shall be responsible for any Tenant Delay in completion of the Premises resulting from any such other work and upgrades requested or performed by Tenant.
 
	  
 	  
 
	  3.
 	  Landlord’s supervision or performance of any work for or on behalf of Tenant shall not be deemed to be a representation by Landlord that such work complies with
applicable insurance requirements, building codes, ordinances, laws or regulations or that the improvements constructed will be adequate for Tenant’s use.
 
	  
 	  
 
	 4.
 	 This Exhibit shall not be deemed applicable to any additional space added to the Premises at any time or from time to time, whether by any options under the Lease or
otherwise, or to any portion of the original Premises or any additions to the Premises in the event of a renewal or extension of the original Term of the Lease, whether by any options under the Lease or otherwise, unless expressly so provided in the
Lease or any amendment or supplement to the Lease.
 

 B-1Support Agreement

EXHIBIT 10.30 
 
SECOND AMENDED AND RESTATED SUPPORT AGREEMENT, 
CASH COLLATERAL AND CONTROL AGREEMENT 
(Warehousing Facility) 
 
SECOND AMENDED AND RESTATED SUPPORT AGREEMENT, CASH COLLATERAL AND CONTROL AGREEMENT, dated as of April 8, 2003 (as previously amended and as may be amended, restated or otherwise modified from time to time, the
“Support Agreement”), among CRESCENT BANK AND TRUST COMPANY (“Bank”), CRESCENT MORTGAGE SERVICES, INC., as debtor (the “Company”), UBS WARBURG REAL ESTATE SECURITIES INC., as secured party
(“UBSRES”) and UBS WARBURG LLC, as custodian and as securities intermediary (the “Custodian”). 
 
RECITALS 
 
WHEREAS, UBSRES and Bank are parties to the Amended and Restated Support Agreement, dated as of January 31, 2003 (the “Existing
Support Agreement”); 
 
WHEREAS, in
connection with the execution and delivery of the First Amendment to the Conduit Purchase Agreement (as hereinafter defined), the Company, Bank and UBSRES desire to amend and restate the Existing Support Agreement as provided herein; 
 
FOR VALUE RECEIVED, and in consideration for UBS opening
accounts for, extending credit to, and/or entering into transactions with the Company, including but not limited to, any and all transactions relating to: (i) the Amended and Restated Mortgage Loan Repurchase Agreement between UBSRES and the
Company, dated as of January 31, 2003, as may be amended from time to time (the “Repurchase Agreement”), (ii) the Amended and Restated Mortgage Loan Purchase Agreement between UBSRES and the Company, dated as of January 31, 2003, as
may be amended from time to time (the “Conduit Purchase Agreement”); and (iii) the Amended and Restated Mortgage Loan Participation Agreement between UBSRES and the Company, dated as of January 31, 2003, as may be amended from time
to time (the “Participation Agreement” and together with the Repurchase Agreement and the Conduit Purchase Agreement, the “Supported Documents”), any other contracts for the future delivery of securities, options
for the purchase and sale of securities, repurchase and reverse repurchase agreements involving securities, and transactions related to the purchase, sale, and financing of Mortgage Loans (as that term is defined in the Repurchase Agreement), and
the release of Bank from all obligations under the Existing Support Agreement, the parties hereto hereby agree as follows: 
 
Section 1. Definitions. 
 
(a) For purposes of this Agreement, “Supported Obligations” shall mean the full, complete and timely
performance of the obligations of the Company now or hereafter existing under (i) the Repurchase Agreement; (ii) the Conduit Purchase Agreement, and (iii) the Participation Agreement. 

 
(b) For purposes of this Agreement, “UCC” shall mean the Uniform Commercial Code as in effect in the State of New York. 
 
(c) Unless otherwise indicated, capitalized terms that are used but not defined herein shall have the meanings ascribed to
them in the Repurchase Agreement, Conduit Purchase Agreement and Participation Agreement, as applicable. 
 
Section 2. Release of Bank. Effective on the date hereof, Bank is released as a party to the Existing Support
Agreement with respect to all claims, whether or not existing on, or which are brought or arise from or after, the date hereof. 
 
Section 3. Establishment of Account. 
 
(a) The Company hereby directs the Custodian to establish and the Custodian hereby will
establish, an account with the name “Crescent Mortgage Services Cash Collateral Account” and account number 203-00500 (the “Cash Collateral Account”), identified as held in trust for the benefit of the Company, as
“entitlement holder” (as defined in Section 8-102(a)(7) of the UCC) and “customer” (as defined in Section 4-104(1)(e) of the UCC), subject to the security interest of UBSRES and to be held as a segregated account by the
Custodian, as custodian and as securities intermediary; 
 
(b) The Custodian hereby confirms and agrees that: 
 
(i) it shall not change the name or account number of the Cash Collateral Account without the prior written consent of UBSRES; 
 
(ii) all securities or other property underlying any financial assets credited to the Cash
Collateral Account shall, as applicable, be registered in the name of the Custodian, endorsed to the Custodian or endorsed in blank and in no case will any financial asset credited to the Cash Collateral Account be registered in the name of the
Company, payable to the order of the Company or specially endorsed to the Company, except to the extent that the foregoing have been specially endorsed to the Custodian or in blank; and 
 
(iii) the Cash Collateral Account is an account to which financial assets and funds are or
may be credited. 
 
Section 4.
“Financial Assets” Election. The Custodian hereby agrees that each item of property (whether investment property, a financial asset, a security, an instrument or cash) credited to the Cash Collateral Account shall be
treated as a “financial asset” (within the meaning of Section 8-102(a)(9) of the UCC). 
 
Section 5. Grant of Security Interest. The Company hereby confirms and agrees that to secure the Supported Obligations it has granted to UBSRES a first priority continuing security
interest in and to (i) the Cash Collateral Account, (ii) any and all Permitted Investments (as defined in Section 6(a) hereof) purchased with funds deposited in the Cash Collateral Account, (iii) all interest, dividends, cash, instruments and other
property from time to time received, receivable or otherwise payable in respect of, or in exchange for, any or all of the 

 

-2- 

foregoing, and (iv) to the extent not covered by clauses (i), (ii) and (iii) above, all proceeds (as defined under UCC) of any or all of the
foregoing. 
 
Section 6. Entitlement
Orders; Instructions. The Company hereby confirms and agrees that until the Supported Agreements are terminated and all of the Supported Obligations have been performed and indefeasibly paid in full: 
 
(a) The Company shall deposit on the date
hereof an amount not less than $5,000,000 in cash, money market mutual funds, deposits fully insured by the FDIC, U.S. government and U.S. government agency securities (“Permitted Investments”) and shall within five (5) Business
Days of receipt of notice from UBSRES that a deduction from the Cash Collateral Account has been made pursuant to Section 6(c) or that the balance of the account is otherwise less than $5,000,000, deposit into the Cash Collateral Account such
Permitted Investments as is necessary to maintain a balance of $5,000,000 in the Cash Collateral Account. The Company shall have the right to manage investment of amounts credited to the Cash Collateral Account; provided, that amounts
credited to the Cash Collateral Account shall at all times be Permitted Investments; 
 
(b) The Company hereby agrees that UBSRES may issue “entitlement orders” (within the meaning of Section
8-102(a)(8) of the UCC) or other instruction from UBSRES, including, without limitation directing the transfer or redemption of any financial asset credited to, or the disposition of funds held in, the Cash Collateral Account for application against
the Supported Obligations in such order as UBSRES shall determine in its sole discretion. The Custodian hereby agrees that if at any time the Custodian shall receive any such entitlement order, the Custodian shall comply with such entitlement order
or instruction without further consent by the Company or any other person; 
 
(c) The Company may withdraw interest credited to the cash Collateral Account so long as the aggregate amount on deposit in the Cash Collateral Account is not less than $5,000,000 at the time of any
such request for withdrawal from the Cash Collateral Account, and the Company shall have the right to give any “entitlement order” (within the meaning of Section 8-102(a)(8) with respect to the Cash Collateral Account not inconsistent with
this Section 6(c). The Custodian shall have no obligation to comply with any entitlement order or any other instruction from the Company with respect to the Cash Collateral Account other than as permitted pursuant to the terms of this Agreement;

 
(d) If the Secured Party
instructs the Custodian that it is exercising exclusive control over the Cash Collateral Account, the Custodian shall cease complying with the Company’s entitlement orders and other instructions with respect thereto; 
 
(e) Without limitation on the foregoing, the
Custodian agrees to comply with any stop payment orders given by UBSRES with respect to items presented for payment by the Company; and 
 

-3- 

 
(f) Once all of the Supported Obligations have been performed and the Supported Agreements have been terminated, then UBSRES will promptly release and pay to the Company all amounts credited to the Cash Collateral Account.

 
Section 7. Exclusive Benefit of
Parties; Assignment. The Agreement is for the exclusive benefit of the parties hereto and their respective successors and assigns and shall be deemed to give any legal or equitable right to any other person. No rights or obligations created
by this Agreement may be assigned by the Company without the prior written consent of UBSRES. UBSRES may at any time assign all or any part of its rights and obligations under this Agreement. 
 
Section 8. Limitation of Liability;
Indemnification of UBSRES. The Custodian shall not have any duty as to any funds on deposit in the Cash Collateral Account or any income thereon in its possession or control or in the possession or control of any agents for, or of, the
Custodian for the preservation of rights against any Person or otherwise with respect thereto. The Custodian shall not be liable or responsible for any loss or damage to amounts on deposit in the Cash Collateral Account, or for any diminution in
value thereof including, without limitation, any loss, damage or diminution in value resulting from any Permitted Investment), by reason of the act or omission of the Custodian or its agents, employees or bailees, except to the extent that such loss
or damage results from the Custodian’s or any of its agents’, employees’ or bailees’ gross negligence or willful misconduct. 
 
Section 9. Amendments; Waivers; Cumulative Rights. This Agreement shall supersede and replace the Existing Support
Agreement in its entirety, terminates all obligations of Bank under the Existing Support Agreement and may be amended from time to time only by written agreement of the parties hereto. Any forbearance, failure or delay by either party in exercising
any right, power or remedy hereunder shall not be deemed to be a waiver thereof, and any single or partial exercise by UBSRES of any right, power or remedy hereunder shall not preclude the further exercise thereof. Every right, power and remedy of
UBSRES shall continue in full force and effect until specifically waived by UBSRES in writing. No right, power or remedy shall be exclusive, and each such right, power or remedy shall be cumulative and in addition to any other right, power or
remedy, whether conferred hereby or hereafter available at law or in equity or by statute or otherwise. 
 
Section 10. Execution in Counterparts. This Agreement may be executed in any number of counterparts, each of which
shall be deemed an original, but all of which shall constitute one and the same instrument. 
 
Section 11. Effect of Invalidity of Provisions. In case any one or more of the provisions contained in this Agreement should be or become invalid, illegal or unenforceable in any
respect, the validity, legality and enforceability of the remaining provisions contained herein or therein shall in no way be affected, prejudiced or disturbed thereby. 
 
Section 12. Governing Law. This Agreement shall be governed by and construed in
accordance with the laws of the State of New York without regard to conflict of law rules. 
 

-4- 

 
Section 13.
Notices. Any notices, consents, elections, directions and other communications given under this Agreement shall be in writing and shall be deemed to have been duly given when telecopied or delivered by overnight courier to,
personally delivered to, or on the third day following the placing thereof in the mail, first class postage prepaid to, the respective addresses set forth in the Repurchase Agreement, or to such other address as either party shall give notice to the
other party pursuant to the Repurchase Agreement. 
 
Section 14. Costs of Enforcement. In addition to any other indemnity specified in this Agreement, in the event of a breach by the Company of this Agreement, the Company agrees to pay the reasonable attorneys fees
and expenses of UBSRES and, when applicable, any assignee incurred in the enforcement of the Agreement as a consequence of such breach. 
 
Section 15. Submission to Jurisdiction; Waivers. 
 
THE COMPANY HEREBY IRREVOCABLY AND UNCONDITIONALLY: 
 
(i) SUBMITS FOR ITSELF AND ITS
PROPERTY IN ANY LEGAL ACTION OR PROCEEDING RELATING TO THIS REPURCHASE AGREEMENT AND THE OTHER REPURCHASE DOCUMENTS, OR FOR RECOGNITION AND ENFORCEMENT OF ANY JUDGMENT IN RESPECT THEREOF, TO THE EXCLUSIVE GENERAL JURISDICTION OF THE COURTS OF THE
STATE OF NEW YORK, THE FEDERAL COURTS OF THE UNITED STATES OF AMERICA FOR THE SOUTHERN DISTRICT OF NEW YORK, AND APPELLATE COURTS FROM ANY THEREOF; 
 
(ii) CONSENTS THAT ANY SUCH ACTION OR PROCEEDING MAY BE BROUGHT IN SUCH COURTS AND, TO THE EXTENT PERMITTED BY
LAW, WAIVES ANY OBJECTION THAT IT MAY NOW OR HEREAFTER HAVE TO THE VENUE OF ANY SUCH ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT SUCH ACTION OR PROCEEDING WAS BROUGHT IN AN INCONVENIENT COURT AND AGREES NOT TO PLEAD OR CLAIM THE SAME;

 
(iii) AGREES THAT
SERVICE OF PROCESS IN ANY SUCH ACTION OR PROCEEDING MAY BE EFFECTED BY MAILING A COPY THEREOF BY REGISTERED OR CERTIFIED MAIL (OR ANY SUBSTANTIALLY SIMILAR FORM OF MAIL), POSTAGE PREPAID, TO ITS ADDRESS SET FORTH ON THE COVER PAGE HERETO OR AT SUCH
OTHER ADDRESS OF WHICH UBSRES SHALL HAVE BEEN NOTIFIED; 
 
(iv) AGREES THAT NOTHING HEREIN SHALL AFFECT THE RIGHT TO EFFECT SERVICE OF PROCESS IN ANY OTHER MANNER PERMITTED BY LAW OR SHALL LIMIT THE RIGHT TO SUE IN ANY OTHER JURISDICTION; AND

 
(v) THE COMPANY
HEREBY IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY AND ALL 

 

-5- 

	 	 
RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT, ANY OTHER DOCUMENT RELATING THERETO OR THE
TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY. 

 
Section 16. Construction. The headings in this Agreement are for convenience only and are not intended to influence its construction. References to Sections in this Agreement are to the Sections of this
Agreement. The singular includes the plural, the plural the singular, and the words “and” and “or” are used in the conjunctive or disjunctive as the sense and circumstances may require. 
 
Section 17. Effect of Amendment and Restatement.
Upon the execution of this Agreement by all parties hereto, the Existing Support Agreement shall be terminated in its entirety. 
 
[SIGNATURE PAGES IMMEDIATELY FOLLOW] 
 

-6- 

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

	 CRESCENT BANK AND
TRUST COMPANY

	
	 By:
	 	 /s/ Leland W. Brantley, Jr.

	 Name:
	 	 Leland W. Brantley, Jr.

	 Title:
	 	 Chief Financial Officer

 
 

	 CRESCENT MORTGAGE SERVICES,
INC.

	
	 By:
	 	 /s/ Michael P. Leddy

	 Name:
	 	 Michael P. Leddy

	 Title:
	 	 Executive Vice President

 
 

	 UBS REAL ESTATE SECURITIES
INC.

	
	 By:
	 	 /s/ George A. Mangiaracina

	 Name:
	 	 George A. Mangiaracina

	 Title:
	 	 Managing Director

	
	 By:
	 	 /s/ Robert Carpenter

	 Name:
	 	 Robert Carpenter

	 Title:
	 	 Director

 
 

	 UBS WARBURG LLC

	
	 By:
	 	 /s/ George A. Mangiaracina

	 Name:
	 	 George A. Mangiaracina

	 Title:
	 	 Managing Director

	
	 By:
	 	 /s/ Robert Carpenter

	 Name:
	 	 Robert Carpenter

	 Title:
	 	 Director

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00050-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00050-of-00352.parquet"}]]