Document:

Exhibit 10.13

   

  SECOND AMENDMENT TO LEASE

   

  THIS SECOND AMENDMENT TO LEASE (the “Second

        Amendment”) is made and entered into as of the 25th day of April, 2014, by and between FPA Sandy Mall Associates, LLC, a Delaware limited liability company, (the “Landlord”) and Utah Community Bank, a Utah Corporation (the “Tenant”).

   

  RECITALS

   

  WHEREAS, Landlord is the
      successor-in-interest to Mariemont Holdings, LLC and Tenant are parties to that certain Lease, dated as of January 27, 1999 (the “Original Lease”) and subsequent Lease Renewal/Extension Agreement dated February 12, 2004 and First Amendment
      to Lease dated June 3, 2009, whereby Tenant leased that certain retail space located at 820 East 9400 South, Sandy, Utah 84070 consisting of approximately 4,484 rentable square feet (the “Premises”).

   

  AND WHEREAS, by this Second
      Amendment to Lease, Landlord and Tenant desire to extend the term of the lease for the above referenced Premises. All other terms and conditions of the original lease and subsequent amendments will remain unchanged and in full force and effect.

   

  NOW, THEREFORE, in
      consideration of the foregoing recitals and the mutual covenants contained herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows:

   

  AGREEMENT

   

  	PREMISES:	820 East 9400 South in the Sandy Village Shopping Center consisting of approximately 4,484 rentable square
            feet.
	 	 
	LEASE TERM:	One Hundred Twenty (120) months commencing August 1, 2014 and terminating July 31, 2024.
	 	 

  	BASE RENT:	August 1, 2014 – July 31, 2015	$5,963.00 NNN per month
	 	August 1, 2015 – July 31, 2016	$6,082.26 NNN per month
	 	August 1, 2016 – July 31, 2017	$6,203.91 NNN per month
	 	August 1, 2017 – July 31, 2018	$6,327.98 NNN per month
	 	August 1, 2018 – July 31, 2019	$6,454.54 NNN per month
	 	August 1, 2019 – July 31, 2020	$6,583.63 NNN per month
	 	August 1, 2020 – July 31, 2021	$6,715.31 NNN per month
	 	August 1, 2021 – July 31, 2022	$6,849.61 NNN per month
	 	August 1, 2022 – July 31, 2023	$6,986.60 NNN per month
	 	August 1, 2023 – July 31, 2024	$7,126.34 NNN per month
	 	 	 

  OPERATING

  	EXPENSES:	Triple Net Lease. Tenant is responsible for paying their own utilities, maintenance and repairs and a
            proportional share of the common area expenses, taxes and insurance of the Shopping Center.

  

   

  
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  TENANT 

  	IMPROVEMENTS:	Landlord to pay for the tenant improvements in the premises as outlined below:

   

  		●	Sand and wash with solvent the damaged stained wood. Stain and refinish at base boards and check counter.

   

  		●	Demo existing carpet, move office furniture and install new carpet in the offices upstairs, the stairs to the basement
            and the hallway in the basement.

   

  This work will done after hours and on weekends per Bank’s request.

   

  	SECURITY	 
	DEPOSIT:	Tenant currently has a security deposit n file with Landlord in the amount of $5,231.33. No additional deposit will be
            due at Amendment execution.
	 	 
	INSURANCE:	Tenant shall procure a $2,000,000 per occurrence General Liability Policy as explained more specifically in the original
            lease document. Ownership and Management companies shall be listed as additional insureds.
	 	 
	REPRESENTATION:	It is understood and agreed that Red Tail Acquisitions, LLC is the only representative involved in this transaction.
	 	 
	CONFIDENTIALITY:	Tenant acknowledges that all correspondence and all communication between Landlord and Tenant concerning information that
            is part of this Lease Agreement is confidential information (collectively the “Confidential Information”). Tenant shall keep the Confidential Information strictly confidential and shall not disclose the Confidential Information to any person or
            entity other than Tenant’s financial or legal consultants.
	 	 

  IN WITNESS THEREOF, this Second Amendment has
      been executed as of the day and year first above written.

   

  	“LANDLORD”:	 	 	“TENANT”:
	 	 	 	 
	
          FPA Sandy Mall Associates, LLC

          a Delaware limited liability company

        	 	 	
          Utah Community Bank

          a Utah Corporation

        
	 	 	 	 	 
	By:  Its Manager: GF Sandy Mall, LLC	 	 	By:	/s/ Kent Landvatter	 
	a Delaware limited liability company	 	 	 	Kent Landvatter – President & CEO
	 	 	 	 	 
	By:	/s/ Michael B. Earl	 	 	 
	 	Michael B. Earl - Manager	 	 	 	 	 

   

  
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  LEASE RENEWAL/EXTENSION AGREEMENT

   

  This Lease Renewal/Extension Agreement is made and entered into this
      12 day of February, 2004, by and between Mariemont Holdings, LLC (“Landlord”) and Utah Community Bank (“Tenant”), with respect to the following.

   

  RECITALS

   

  A.           Landlord and Tenant are parties to a Lease Agreement,
      dated January 27, 1999 (the “Lease”). A subsquent Lease Amendment No. 1 was executed August, 1999. A subsquent Lease Amendment No. 2 was executed September, 1999.

   

  B.           The term of the Lease presently expires on July 31,
      2004.

   

  C.            Landlord and Tenant desire to extend the term of the
      Lease, adjust the minimum monthly rent due thereunder, and otherwise modify the Lease, upon the following terms and conditions.

   

  TERMS AND CONDITIONS

   

  1.            The term of the Lease is hereby extended for a period
      of Five Years, commencing August 1, 2004 and terminating on July 31, 2009 (“Extension Period”).

   

  2.            Minimum monthly rent during the Extension Period shall
      be $5,534.00 per month. Beginning year two (2) of the Extension Period the annual CPI increase shall not exceed 5% annually.

   

  3.            Effective as of September 1, 2000 (the beginning of
      the Extension Period), Article 6 of the Lease is replaced in its entirety with the following:

   

  4.            Tenant has 2-5 year options remaining under the
      initial Lease Agreement.

   

  “6.          Additional Rent: CAM Expenses, Real Estate Taxes.
      It is the intent of both parties that the Minimum Monthly Rent and Percentage Rent, if any, herein specified shall be absolutely net to Landlord throughout each Lease Year of the term of this Lease, that all costs, expenses, and obligations of every
      kind relating to the Premises which may arise or become due during the term hereof shall be paid by Tenant and that Landlord shall be indemnified by Tenant against such costs, expenses, and obligations. In furtherance thereof, Tenant shall pay as
      additional rent, without demand therefor and without setoff or deduction, its Proportionate Share of expenses and charges as set forth below. All taxes, charges, costs, and expenses which Tenant is required to pay hereunder, together with interest
      and penalties that may accrue thereon in the event of Tenant’s failure to pay such amounts, and all damages, costs, and expenses which Landlord may incur by reason of any default of Tenant or failure on Tenant’s part to comply with the terms of this
      Lease, shall be deemed to be additional rent and, in the event of nonpayment by Tenant, Landlord shall have all the rights and remedies with respect thereto as Landlord has for the nonpayment of the Minimum Monthly Rent.

   

  
     

    
      
 

  

   

  		6.1	Proportionate Share: Estimated Payments; Reconciliation.

   

  (a)          The “Proportionate Share” of Tenant shall be obtained
      by multiplying the expense in question by a fraction, the numerator of which shall be the square-foot area of the Premises and the denominator of which shall be the square-foot area of all space leased in the Shopping Center.

   

  (b)          Tenant’s Proportionate Share of the expenses and
      charges set forth in this Section shall be computed on the basis of periods of twelve (12) consecutive calendar months as designated by Landlord and payments toward the same shall be made by Tenant in equal installments in advance on the first day of
      each calendar month, in an amount to be established by Landlord, with Tenant’s payment of monthly rent.

   

  (c)          Within sixty (60) days after the end of each twelve
      (12) month period, Landlord shall furnish to Tenant a statement showing the Shopping Center’s actual expenses and charges for the preceding period and any adjustments to be made as a result thereof. In the case of deficiency, Tenant shall within ten
      (10) days remit the amount of such deficiency to Landlord. In the case of a surplus, Landlord shall apply Tenant’s share of such surplus to payments next falling due from Tenant under this Article.

   

  		6.2	Expenses.

   

  (a)          Tenant shall pay its Proportionate Share of: (1) all
      taxes, assessments, levies, and charges, whether special, extraordinary, or otherwise, whether foreseen or unforeseen, which may be levied, assessed, or imposed upon, on account of or with respect to: (i) the ownership of, and/or all other taxable
      interests in, all land situated in the Shopping Center; (ii) all buildings, structures, and other improvements situated thereon; (iii) rents or rental income, whether such tax be levied on the Landlord or the Tenant; (2) the Shopping Center’s
      Operating Cost, as defined below; and (3) ten percent (10%) of the foregoing to cover administrative and overhead costs.

   

  (b)          The amount of real estate taxes upon which such payment
      is based shall be the amount reflected in the most current notice(s) of assessment or tax bill(s) concerning the entire Shopping Center or, if there are none, such amount as Landlord may reasonably estimate. In the event Landlord protests the
      assessed value of the real property, then Landlord may, at its option, estimate the amount of real estate taxes it believes will finally be owed as a consequence of its protest, and such estimate shall be used for purposes of determining Tenant’s
      Proportionate Share of expenses. When any such protest is resolved, then the amounts actually determined to be owed for real estate taxes shall be reconciled to the amounts paid by the Tenant, and the deficiency or surplus paid or applied as set
      forth in Section 6.1(c) above. Tenant at all times shall be responsible for and shall pay, before delinquency, all municipal. county, state, or federal taxes assessed against any leasehold interest or any personal property of any kind owned,
      installed or used by Tenant. Should the taxing authorities include in such real estate taxes the value of any improvements made by Tenant, or include machinery, equipment, fixtures, inventory, or other personal property of Tenant, then Tenant shall
      also pay the entire real estate taxes for such items. A tax bill submitted by Landlord to Tenant shall be conclusive evidence of the amount of taxes assessed or levied, as well as items taxed.

   

  (c)          The “Shopping Center’s Operating
      Cost” means the total cost and expense incurred in operating and maintaining the Common Area, hereinafter defined, excluding only items of expense commonly known and designated as carrying charges, but specifically including, without limitation,
      utility expenses; personal property taxes and assessments on the Common Area improvements and equipment; premiums on fire and extended insurance coverage, vandalism and plateglass insurance for the Common Areas and all other insurance procured by
      Landlord pursuant to the Lease; Landlord’s out-of-pocket expenses incurred in contesting or seeking reductions in real estate taxes or assessments; maintenance, repair and replacement of Common Area pavement and mechanical equipment, if any;
      maintenance and cleaning of the Common Area; gardening and landscaping; repairs; line painting; lighting; security services; sanitary control; and removal of snow, trash, rubbish, garbage, and other refuse. “Common Area” means all area, space,
      equipment, and special services provided for the common or joint use and benefit of the lessees or occupants of the Shopping Center, or portions thereof, their employees, agents, servants, customers, and other invitees, including without limitation,
      parking areas, driveways, landscaped areas, truck service ways, loading docks, ramps and sidewalks, and washrooms.”

   

  
     

    
      
 

  

   

  4.           All terms used herein shall have the same meaning as
      used in the Lease, unless expressly contradicted herein. In the event of a conflict between the provisions of the Lease and those of this Agreement, the provisions of this Agreement will control. Except as modified herein, the Lease is hereby
      ratified and confirmed, and shall remain in full force and effect as amended hereby. Guarantors, if any, that sign this Agreement hereby ratify and confirm that their guarantee of the Lease shall continue for the Extension Period, and any
      modifications, holdovers, renewals, or extensions of said Agreement.

   

  IN WITNESS WHEREOF, the parties hereto have entered into this Agreement as of
      the date first set forth above.

   

  	 	LANDLORD:
	 	 
	 	MARIEMONT HOLDINGS, LLC, a Utah limited liability company
	 	 
	 	By:	 /s/ [ILLEGIBLE]

  

  	 	Printed Name:	 

  

  	 	Title:       	Partner

   

  	 	TENANT:
	 	 
	 	UTAH COMMUNTY BANK 
	 	 	 
	 	By:	/s/ Philip C. Gibson

        

  

  	 	Printed Name:	Philip C. Gibson

        

  

  	 	Title:	Senior Vice Pres.

        
	 	 	 

  

  	 	By:	/s/ Jeff Loosle

          

  

  	 	Printed Name: 	Jeff Loosle

        

  

  	 	Title:	PresidentExhibit 10.14

   

   

   

  
     

    
      
 

  

   

   

   

  
     

    
      
 

  

   

   

   

  
     

    
      
 

  

   

   

   

  
     

    
      
 

  

   

   

   

  
     

    
      
 

  

  
   

  RIDER TO LEASE

   

  		DATED:	January           , 2018

   

  		PREMISES:	43 North Village Avenue, Rockville Centre, New York 11570 (Second Floor)

   

  		LANDLORD:	North Village Centre Inc.

   

  		TENANT:	FinWise Bank

   

  In the event this Rider to Lease is in any way inconsistent with or
      contradicts the terms of the form portion of the Lease, this Rider shall control.

   

  RENTAL SCHEDULE

   

  The base annual rental during the initial two (2) year term of this lease by
      year shall be:

   

  FIRST YEAR

  THIRTY EIGHT THOUSAND and 00/100 ($38,000.00) DOLLARS

   

  SECOND YEAR

  THIRTY NINE THOUSAND ONE HUNDRED FORTY and 00/100 ($39,140.00) DOLLARS

   

  The base annual rent during the THREE (3) year renewal term of this lease by
      year shall be:

   

  THIRD YEAR

  FORTY THOUSAND THREE HUNDRED FOURTEEN and 00/100 ($40,314.00) DOLLARS

   

  FOURTH YEAR

  FORTY ONE THOUSAND FIVE HUNDRED TWENTY FOUR and 00/100 ($41,524.00) DOLLARS

   

  FIFTH YEAR

  FORTY TWO THOUSAND SEVEN HUNDRED SIXTY NINE and 00/100 ($42,769.00) DOLLARS

   

  The aforesaid base annual rent shall be payable in equal monthly installments
      on the first day of each and every month during the term and the renewal term, if any, of the lease as follows:

   

  Year 1 in the amount of $3,166.67 per month;

   

  
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  Year 2 in the amount of $3,261.67 per month;

   

  Year 3 in the amount of $3,359.52 per month;

   

  Year 4 in the amount of $3,460.30 per month; and

   

  Year 5 in the amount of $3,564.11 per month.

   

  Upon the execution of this lease, the Tenant shall pay the first month’s rent
      and the security deposit in the amount of $ 6,333 reflecting 2 month’s rent which security shall be increased each year to reflect any rent increase. Under no circumstances will the security deposit be used as the final months’ rent
      and the Landlord shall be free to use it for any purpose and have no obligation to maintain the security deposit in a segregated account of any kind. All taxes, assessments, insurance premiums and other charges or additional rent to be paid by the
      Tenant hereunder, are in addition to the above set forth “base annual rentals” pursuant to the terms of this lease of which this rider forms a part.

   

  THIRTY-SIXTH:        The Tenant shall, at the Tenant’s own cost and
      expense maintain and take good care of the non-structural portions of the premises and all fixtures and appurtenances thereto; make all non- structural repairs to the premises; and pay for structural repairs only if a structural repair is required or
      occasioned due to the acts or omissions of the Tenant and/or his invitees, agents and/or representatives, in which event Tenant shall be responsible for such repairs, subject to the waiver of subrogation provisions set forth in Article Thirty-Ninth
      herein. In the event Tenant is required to, but fails or refuses to diligently commence to provide maintenance or make a repair as set forth above and thereafter, after notice of such failure, continue to provide maintenance or make a repair with due
      diligence to completion of same, Landlord may, in addition to any other remedies provided hereunder, pay for such maintenance or repair, in which event, the reasonable cost of same shall become additional rent due with the next ensuing monthly rent
      payment. Landlord shall make all structural repairs and all repairs to the mechanical systems that do not exclusively serve the Premises, not caused by Tenant’s negligent acts or omissions, including for example the roof, roof and floor support
      beams, ceiling, plumbing system, foundation and exterior walls and the sidewalks and curbs adjacent to the Building (including, without limitation, cleaning the sidewalks and causing the sidewalks to be free of snow, ice and debris).

   

  
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  THIRTY-SEVENTH:       Landlord shall be under no obligation to provide
      Tenant with any services, utilities, water, electricity, heat, air conditioning or other amenities, this being a net lease with Tenant being solely responsible to provide such services, utilities and amenities as it needs at its own expense;
      provided, however, that, notwithstanding anything to the contrary contained in this Lease, in the event that there is any failure, interruption or defect in any utility service to the Premises as the result of any negligent act or negligent failure
      to act by Landlord and/or its agents, employees and/or contractors (as opposed to a public service utility company), and Tenant shall be unable for at least seventy-two (72) consecutive hours to operate, its business in the Premises in substantially
      the same manner as such business was operated prior to such interruption, the base annual rent and additional rent shall abate until the earlier of the date on which (i) such service is restored and (ii) Tenant is able to recommence conducting its
      business in the Demised Premises in its customary manner. Landlord represents that all utilities are separately metered, available at the Premises and billed, and that all utilities servicing the demised premises are paid to date and will be paid to
      the date Tenant becomes obligated to pay rent.

   

  THIRTY-EIGHTH: As and for additional rent, the Tenant shall pay to the
      Landlord an amount equal to forty three percent (43%) of all increases in real property and school taxes and assessments (including any special assessments) covering the leased premises over and above the taxes assessed and charged prior to any
      reduction through tax contest if any, for the base year 2018 by the County of Nassau or Town of Hempstead and the second half of 2017/2018 and the first half of 2018/19 by the Village of Rockville Centre for Village and school taxes. Landlord
      represents that to the best of its knowledge the building and real property on which the demised premises are located is fully assessed without abatement and that no abatement or exemptions shall apply or be included as taxes for any applicable base
      year. Landlord agrees that it shall take all reasonable steps to obtain a reduction of the taxes affecting the real property on which the premises are located each year or, in the alternative, give Tenant the right to pursue such tax relief. Tenant
      shall be entitled to its pro rata share of any tax refund net of fees and expenses incurred to obtain same For purposes of this lease, the leased premises are agreed to constitute forty three percent (43%) of the building area of the
      building which is subject to such taxes and assessments. Such additional rent shall be due and payable on the first day of the month following the delivery to the Tenant of a copy of the new tax bill for the premises by regular mail at the address of
      the premises herein leased or within twenty (20) days after a copy of the bill is delivered to tenant, whichever is later. All partial years shall be apportioned pro rata at the beginning and end of the lease term. Anything contained in this
      Lease to the contrary notwithstanding, Taxes shall not include any (a) any special assessments or Taxes resulting from the future expansion of the Building or from any improvements exclusively made by or for the benefit of any other tenant in the
      Building, (b) taxes upon the Building’s “net income,” (c) any fines, penalties, interest or late charges providing Tenant is current in its rent payments, or discounts for prepayment or (d) income, excess profit, capital stock, estate, inheritance or
      franchise taxes. If, by law, any assessment may be paid in installments, then, for the purposes hereof (a) such assessment shall be deemed to have been payable in the maximum number of installments permitted by law and (b) there shall be included in
      real estate taxes, for each year in which such installments may be paid, the installments of such assessments so becoming payable during such year, together with interest payable during such year.

   

  
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  THIRTY-NINTH:     The Tenant shall obtain and pay the premium for a
      general liability insurance policy in standard form satisfactory to Landlord from a reputable insurance carrier in the amount of at least $2,000,000.00 which names the Landlord as an additional insured and which provides that same cannot be canceled
      or reduced in amount without prior written notice to Landlord. Such policy shall insure Landlord against any and all claims, demands, losses and/or risks which arise from Tenant’s occupation, use and control of the premises including, without
      limitation, property damage or personal injury to Landlord or to a third party. This insurance obligation shall be interpreted and construed together with paragraph second of the form portion of this Lease in the broadest possible manner in favor of
      providing protection and legal defense to the Landlord from claims made as a result of Tenant’s acts, omissions or strict liability under the law. Tenant shall likewise obtain and pay for a Plate Glass replacement insurance policy naming the Landlord
      as an additional insured. Certificates of insurance naming Landlord as an additional insured together with a copy of the declaration page of the underlying policy which binds Tenant’s insurance carrier’s obligations to Landlord as an additional
      insured as stated in the certificate of insurance certificates evidencing any renewals or substitutions shall be furnished to Landlord’s attorney for review at least three (3) business days prior to the commencement of this lease or the effective
      date of any renewal or replacement policy, whichever applies, throughout the term of this lease. Such insurance shall be maintained by the Tenant at its sole costs in continual effect throughout the term hereof. Notwithstanding anything to the
      contrary contained elsewhere in this Lease, Tenant shall not be liable to Landlord or to any insurance company insuring the Landlord by way of subrogated rights or otherwise, for any loss or damage caused by fire or any other hazard or peril covered
      by fire or extended coverage or all risk insurance, to the extent such loss or damage is covered by insurance to any building structure or other tangible property, or any resulting loss of income, even though such loss or damage may have been
      occasioned by the negligence of Tenant, its agents or employees provided such waiver of subrogation shall be obtainable. If such policies shall not be obtainable or shall be obtainable only at a premium over that chargeable without such waiver,
      Landlord shall notify the other thereof, and Tenant shall have 10 business days thereafter to agree to pay such additional premium. If Tenant fails to pay such additional premium, this paragraph shall have no effect during such time as such policies
      shall not be obtainable or Tenant shall refuse to pay the additional premium. The waiver of subrogation and the releases of Tenant, insofar as they are provided for in this paragraph, shall apply to any damage caused by act, omission, or negligence,
      not only in the Premises but also in the Building of which the Premises are a part._

   

  
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  FORTIETH:          The Tenant covenants and agrees not to place
      or store, or permit to be placed or stored, any vending machines, coin operated devices or receptacles of any kind or description outside the premises and it agrees that all deliveries to, and any shipment from, the demised premises shall be made at
      the rear of the premises at such times and in such manner as to comply with all applicable laws.

   

  
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  FORTY-FIRST:       The Tenant shall not do, or permit to be done,
      any act or thing upon said premises, including without limitation storage of any hazardous materials or substances, which will invalidate or be in conflict with fire insurance policies covering the building of which the demised premises form a part,
      and any fixtures and property therein, and shall not do, or permit to be done, any act or thing upon such premises which shall or might subject the landlord to any liability or responsibility for injury to any person or persons or to the property by
      reason of any business or operation being carried on upon said premises, or for any other reason. The Tenant, as its sole expense, shall comply with all rules, orders, regulations and requirements of the New York Board of Fire Underwriters, or any
      other similar body, and shall not do, or permit anything to be done, in or upon said premises, or bring or keep anything therein except as is permitted by the Fire Department, Board of Fire Underwriters, Fire Insurance Rating Organization, or other
      authority having jurisdiction thereof. Landlord represents that it has no knowledge of any release of hazardous materials at the demised premises or the building or real property of which the demised premises are a part. Landlord hereby represents
      that, to the best of Landlord’s knowledge, Tenant’s normal business operations in the Premises as contemplated by the permitted use described herein will not result in any increase in the rate of or violate the terms of any insurance carried by
      Landlord as of the date hereof.

   

  FORTY-SECOND: This lease is, and shall be and remain, subject to any and
      all easements which the Landlord or its predecessors in interest may have heretofore granted, or may hereafter grant in connection with the installation of water, gas, electric, telephone and other public utility servicing the building. Landlord
      represents that it has not and will not grant any easements that will unreasonably interfere with the operation of Tenant’s business at the demised premises.

   

  FORTY-THIRD:        If the Tenant shall at any time be in default in
      respect to any of the covenants, terms, conditions or provisions of this lease, or if the Tenant shall be in default in the payment of any rent, and if the Landlord shall engage the services of an attorney to enforce this lease, institute any action,
      or summary proceedings against the Tenant based upon such default, the said action or summary proceedings shall include a charge therein, and , providing the Landlord is the prevailing party, the Tenant agrees to reimburse the Landlord for its
      reasonable attorney’s fees, costs and disbursements which may be incurred by the Landlord; and the amount of such expenses, attorney’s fees, costs and disbursements shall, at the option of the Landlord, be deemed to be additional rent hereunder and
      shall be due from the Tenant to the Landlord immediately upon the incurring of such respective expenses. The Tenant hereby agrees that in the event the Landlord commences any action or summary proceeding for the non-payment of rent or additional rent
      under the terms of this lease, no set-off or counterclaim whatsoever of any nature or description will be interposed by, or on behalf of, the Tenant in any such action or summary proceedings. Any and all taxes, assessments and/or insurance premiums
      or other charges to be paid by the Tenant hereunder shall be deemed additional rent and a default in payment thereof following notice and applicable cure periods set forth in this Lease shall constitute a default of rent due hereunder, entitling the
      Landlord to all remedies the Landlord may be entitled to in the event of a default in rent.

   

  
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  FORTY-FOURTH: The Tenant has inspected the premises and the equipment,
      furnishings and fixtures located thereon, if any, and the Tenant accepts the same in their “as is” condition. The Landlord makes no representations whatsoever as regards the premises, their condition or the suitability thereof for Tenant’s business
      purposes, except that Landlord hereby represents that the plumbing, heating/air conditioning and electrical systems shall be in working order and the roof and basement, if any, free of leaks at the commencement date of this lease. Tenant shall at all
      times maintain the premises and all the equipment, mechanical and otherwise, located thereon or servicing same, in good working condition and order and shall deliver the same to the Landlord at the termination of the lease, in good working condition,
      reasonable wear and tear excepted. Notwithstanding the foregoing, at the expiration date of this Lease, Tenant shall surrender the plumbing, heating/air conditioning and electrical systems in their “as is” condition as of the date . it take
      possession of the Premises subject to reasonable wear and tear over time.

   

  FORTY-FIFTH:      All improvements made by the Tenant to or upon the
      demises premises, (except trade fixtures), shall when made at once be deemed to be attached to the premises and become the property of the Landlord and, at the expiration or sooner termination of the lease term, shall be surrendered to the Landlord
      in as good order and condition as they were when Page 7 of 10 installed, reasonable wear and tear excepted. At the expiration or termination of this lease Tenant shall be responsible for the removal of any trade fixtures and other personal property
      which is the Tenant’s property and to restore and turn back restore and return possession of the premises in a vacant and broom clean condition. Landlord agrees to deliver the premises in a vacant, broom clean condition upon the commencement of the
      term.

   

  
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  FORTY-SIXTH:      The Tenant expressly agrees not to interpose any claim
      or counterclaim in any action or summary proceeding for non-payment of rent or additional rent, brought by the Landlord to recover any monies due or the possession of the premises under the terms of this lease; and the Tenant further agrees that any
      claim or claims which he may have against the Landlord shall be prosecuted only in a separate and independent action. The Tenant also expressly agrees that he will not move or seek to consolidate any action or proceeding which he might bring against
      the Landlord with any such action or summary proceeding commenced by the Landlord against the Tenant.

   

  FORTY-SEVENTH:        Nothing herein contained shall
      be deemed or interpreted to be knowledge, consent or approval on the part of the Landlord under the Mechanic’s Lien Law or any other statute or law, so as to entitle any persons supplying materials or services or furnishing labor at said premises, at
      Tenant’s request, to file a Mechanic’s Lien or make any other claim against the Landlord or the demised premises; it being specifically understood and agreed that all such persons shall look solely and only to the Tenant hereunder for the payment of
      any monies for any labor, services or materials they may furnish, at Tenant’s instance and request, at the demised premises; and the Tenant expressly agrees to cancel, discharge and remove any and all Mechanic’s Liens, claims or judgments that may be
      filed, made or recovered against the Landlord or the demised . premises by any contractor, architect, subcontractor or material man for work, labor and/or materials furnished at said premises at the Tenant’s instance or request; and the Tenant
      expressly agrees to bond, discharge or satisfy any such lien, claim, judgment or encumbrance within twenty (20) business days after notification of same is delivered to Tenant or any of his employees or agents at the leased premises and in default
      thereof, the Landlord shall have the right and option to terminate this lease on giving thirty (30) days written notice to the Tenant; and upon the failure of the Tenant to bond, discharge or otherwise satisfy such Mechanic’s Liens, claims or
      judgments within said period of thirty (30) days, this lease shall, at the option of the Landlord, terminate and come to an end upon the expiration of the said thirtieth day as if the term of this lease had originally ended and terminated on the said
      thirtieth day after such notice; and all the rights and remedies of the Landlord under the terms of this lease to recover damages against the Tenant by reason of an earlier termination of this lease shall apply in each and every respect to the
      termination under the provisions of this paragraph.

   

  
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  FORTY-EIGHTH: The Tenant shall not make any
      alterations or structural changes to the premises without the prior written approval of the Landlord, which approval shall not be unreasonably withheld or delayed with respect to non-structural alterations only. The term “alteration” as used herein
      does not include changes to decor, furnishings, interior lighting, window treatments, floor coverings, wall covering or any other alterations that are decorative in nature and do not alter the floor plan of the premises. At the request of the
      Landlord, Tenant shall furnish to Landlord, before the commencement of any work on the premises, reasonably satisfactory proof of insurance provided by any contractor who is to perform the work insuring against any liability to any worker or third
      party arising from the work and satisfactory proof that the Landlord is an additional insured thereunder. In the event any such alterations or structural changes to the premises, or if for any other reason, any act or omission of the Tenant shall
      cause the Landlord’s insurance rates covering the premises to be increased, then, as further additional rent hereunder, the Tenant shall reimburse and pay the Landlord for any such additional premiums charged as a result of such rate increase. Tenant
      shall comply with all building, fire, health, and other codes, rules or regulations with regard to any alterations or structural changes to the premises and shall secure such permits, approvals and certificates of completion or occupancy as may be
      required to establish the legality of its use of the premises and any such alterations or structural changes.

   

  FORTY NINTH: In the event the Tenant fails to pay any
      rent or additional rent as provided in this lease within ten (10) days from the date due, the Tenant shall be responsible to pay to the Landlord a sum equal to five percent (5%) of the then due rent or additional rent as a rental service charge,
      which shall be added to the rent then due. In the event any check tendered by Tenant to landlord is returned for insufficient or uncollected funds, Tenant shall pay a fee of $250.00 to defray the expense and inconvenience to Landlord.

   

  
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  FIFTIETH:             Any dates and time periods for notices,
      etc., as may be set forth in this lease, time shall be strictly construed and enforced.

   

  FIFTY-FIRST:      Tenant shall have no
      right to assign this lease or to sublet the premises without Landlord’s prior written consent, which consent shall not be unreasonably withheld.

   

  FIFTY-SECOND:        The Commencement Date shall be the
      date Landlord delivers vacant broom clean possession of the demised premises to Tenant. The anticipated Commencement Date shall be the January 15, 2018. Notwithstanding the foregoing, Tenant shall be entitled to an abatement of base annual rent for
      two weeks after the Commencement Date. Moreover, in the event Landlord fails to deliver the demised premises on or before February 1, 2018, Tenant shall receive a credit against base annual rent equal to one (1) days’ base annual rent for each day
      that delivery of the demised premises has been so delayed; provided further that if Landlord fails to deliver the demised premises on or before March 1, 2018 (“Outside Date”), then Tenant may, by notice to Landlord delivered no later than ten (10)
      business days after the Outside Date cancel the Lease, whereupon neither party shall have any obligation to the other except that Landlord shall return to Tenant any advance rent and security previously delivered to Landlord .

   

  FIFTY-THIRD:  Except as herein elsewhere provided,
      all notices to either party shall be by Certified mail return receipt requested or by a nationally recognized overnight delivery service to the address on the face page of this lease and/or to such other address as may be requested in writing. Tenant
      hereby designates its address for all purposes under this lease including notices and service of legal process as 43 North Village Avenue, Second Floor, Rockville Centre, New York 11570, Attention: David Tillis, with a copy to Wachtel Missry LLP, 885
      Second Avenue, 47th Floor, New York, New York 10017, Attention: Allan Weiss, Esq. A notice given by counsel for Landlord or Tenant shall be deemed a valid notice if
      addressed and sent in accordance with the provisions of this Article. A copy of all Tenant notices shall also be served on Landlord’s attorney, E. Michael Rosenstock at 55 Maple Avenue, Suite 206, Rockville Centre, New York 11570

   

  
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  FIFTY-FOURTH: Tenant intends to use the demises premises as a “office space”.
      Tenant shall be permitted to engage in this use and Landlord shall obtain any and all necessary permits and licenses required by the Village of Rockville Centre and any other governmental entity or municipal authority and complies with all laws,
      rules, regulations and codes which apply to such use at Landlord’s sole cost and expense. Landlord represents that Tenant’s intended use of the premises is a legal use under the zoning laws which apply to the premises. If Tenant’s use is not
      permitted at the Premises, Tenant shall have the option to terminate this Lease, which termination shall be effective upon the tenth (10th) day following written notice from Tenant requesting such termination. Upon such notice, Tenant shall have no
      further liability to Landlord for any matter accruing from and after such date and would be entitled to a return of its security deposit (except if due to cover monetary defaults as otherwise set forth in the Lease) it being clear that such an
      exercise would not be deemed a forfeiture of Tenant’s security deposit. 

  Tenant shall not be obligated under any circumstances to install a fire sprinkler system
      or make any other modification to the Premises to make the same comply with any current or future laws. Notwithstanding anything to the contrary contained in this Lease, Landlord agrees to sand and finish the wood floors and deliver the bathrooms in
      good operating condition and in compliance with all laws, rules and regulations enacted by all federal, state and municipal governments having jurisdiction thereof, at Landlord’s sole expense, prior to the Commencement Date. All Landlord’s work shall
      be standard builder quality.

   

  FIFTY-FIFTH:      Intentionally Omitted.

   

  FIFTY-SIXTH:     Providing Tenant is not in default hereunder and has not
      been more than fifteen (15) days late in payment of rent and additional rent more than twice in any previous year of this lease, Tenant shall have the option to renew this lease for an additional three (3) year period upon the same terms and
      conditions set forth herein including, without limitation, annual increases of three (3%) percent in base rent as reflected in the RENT SCHEDULE above. Tenant must exercise each such option in writing no sooner than six (6) months and no later than
      three (3) months prior to the expiration of the original term of the lease and failure to do so shall constitute a waiver by Tenant of the right to exercise the option to renew.

   

  
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  Dated:

   

  	North Village Centre, Inc.	 	 	Fin Wise Bank
	 	 	 	 
	By:	 	(Landlord)	 	By:	/s/ [ILLEGIBLE]	(Tenant)
	 	Jason Lee, Agent	 	 	 	 	 

   

  
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  constitute a waiver by Tenant of the right to exercise the option to
      renew.

   

  Dated:

   

  	North Village Centre, Inc.	 	 	Fin Wise Bank	 
	 	 	 	 	 
	By:	 /s/ Jason Lee, Agent	(Landlord)	 	By:	/s/ [ILLEGIBLE]	(Tenant)
	 	Jason Lee, Agent	 	 	 	 	 

   

  Page 13 of 13

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