Document:

exv10w32

 

Exhibit 10.32

LEASE

WILLIAMSBURG VILLAGE

Inverness, Illinois 60067

          THIS INDENTURE OF LEASE (the “Lease”) made the 1st day of April, 1993.

W I T  N E S S E T H

          LaSalle National Trust, N.A., as Trustee under a Trust Agreement dated January 15, 1993
and known as Trust Number 117628, owner of the land and improvements located at 1604 Colonial
Parkway, Inverness, Illinois (“Landlord”), agrees to lease to Royal American Bank, an Illinois
banking corporation (“Tenant”), whose address is 1604 Colonial Parkway, Inverness, IL 60067, and
Tenant agrees to lease from Landlord, that certain office space within the “Condominium Unit” (as
hereafter defined) shown and designated on the plan attached hereto as Exhibit A, commonly known as
Suite 100 (the “Premises”) in the building whose address is 1604 Colonial Parkway (the “Building”).
The Building is constructed on the property in the Village of Inverness, Cook County, Illinois,
which is legally described in Exhibit B, attached hereto, for a term commencing on the 1st day of
April, 1993, and ending on the 31st day of March, 1997, (the “Term”) , unless sooner terminated as
provided herein, subject to the agreements herein contained.

          In consideration thereof, Landlord and Tenant covenant and agree as follows:

          1.      CONDOMINIUM

                    (a)      A Declaration of Condominium Ownership (the
“Declaration”) of Williamsburg Village was recorded in the Office of the Recorder of Deeds of Cook
County, Illinois, on January 4, 1983, and thereupon the property within which the Premises are
located became subject to (i) the terms and provisions of the Declaration, (ii) the Condominium
Property Act of the State of Illinois (the “Act”), (iii) the By-Laws (the “By-Laws”) of the
Williamsburg Village Owners Association (the “Association”) and (iv) the rules and regulations of
the Association (the “Rules”). The Declaration, the Act, the By-Laws and the Rules, as from time to
time amended, are sometimes collectively called the “Condominium Documents”. Tenant acknowledges
receipt of a copy of the Declaration, the By-Laws and the Rules. Landlord’s space within the
Building is sometimes called the “Condominium Unit”. All the condominium property of which the
Condominium Unit is a part, as from time to time amended to annex additional property, is

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sometimes called “Williamsburg Village” and all portions of
Williamsburg Village, except the
individual condominium units, are sometimes called the “Common Elements”. To the extent that any of
the definitions in this Lease conflict with those in the Condominium Documents, the definitions in
the Condominium Documents shall control.

                    (b)      Tenant accepts this Lease subject to all of the terms and restrictions of the Condominium
Documents and agrees to comply with and perform each of the terms, covenants and conditions of the
Condominium Documents relating to the use or occupancy of the Premises. If pursuant to the
Condominium Documents, the Condominium Unit is withdrawn from the provisions of the Declaration,
Landlord, at its option, may terminate this Lease effective upon the date of such withdrawal.
Landlord shall not be obligated for the performance by the Board of Managers of the Association
(the “Board”) or of any of the obligations assumed or undertaken by the Board pursuant to the
Condominium Documents and Tenant shall have no claim against Landlord by reason of any default
under the Condominium Documents by the Board or the Association. By the execution of this Lease,
Tenant agrees that the Association and Board are and shall be third party beneficiaries of the
provisions of this Lease.

                    (c)      The Declaration requires the approval of all leases by the Board. Landlord agrees to
attempt to procure such approval from the Board within the time established for such approval by
the Declaration. If, after making reasonable effort, Landlord cannot procure such approval within
the time provided, this Lease shall become null and void. Tenant agrees to cooperate with Landlord
in attempting to procure such approval and shall provide such information as is requested by the
Board.

                    (d)      This Lease does not grant any rights to Tenant to participate in the management or affairs
of the Association, including, but not limited to any voting rights enjoyed by the Landlord.

          2.      POSSESSION. If this Lease is executed before the Premises become vacant or
otherwise available and ready for occupancy, or if any present tenant or occupant of the Premises
holds over, and Landlord cannot, using good faith efforts, acquire possession of the Premises prior
to the specified commencement date of this Lease, Landlord shall not be deemed to be in default,
nor in any way liable to Tenant because of such failure and Tenant agrees to accept possession of
the Premises at such time as Landlord is able to tender possession, which date shall thereafter be
deemed the “commencement date”; and the Term shall automatically be extended so as to include the
full number of months originally provided, except that if the commencement date is other than the
first day of a calendar month, the Term shall also be extended for

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the remainder of the calendar month in which possession is tendered. Landlord hereby waives payment
of any rent covering any period prior to such tendering of possession.

          The taking of possession by Tenant shall be deemed
conclusively to establish that the Building and the Premises are in good and satisfactory condition
as of when possession was so taken.

          3.      BASE RENT AND SECURITY DEPOSIT

                    (a)      Tenant agrees to pay to Landlord as monthly rental (the “Base Rent”) for the Premises
during the full term aforesaid the sum of $4,000.00 in advance on the first day of the first full
calendar month of the term hereof and a like sum on or before the first day of each and every
successive calendar month thereafter during the term hereof. In the event the term of this Lease
commences on other than the first day of the month, there shall be paid on the commencement date, a
pro rata portion of the Base Rent based on the number of days remaining in such month, and
subsequent monthly payments shall be paid as directed in this Paragraph 3(a).

                              The Base Rent and all other rent provided herein shall be paid to Landlord without
deduction or offset in lawful money of the United States of American at:

Otto J. Semrow

Semrow Perforated and Expanded Metals Corp.

755 Seegers Road

Des Plaines, Illinois 60016

or to such other person or at such other place as Landlord may from time to time designate in
writing.

                              Any rent (whether Base Rent or additional rent) or other amount due from Tenant to Landlord
under this Lease not paid when due shall bear interest from the date due until the date paid at the
annual rate (the “Agreed Interest Rate”) of two per cent (2%) above the rate designated from time
to time by LaSalle National Bank of Chicago as its “Prime Rate”, but the payment of such interest
shall not excuse or cure any default by Tenant under this Lease. The covenants herein to pay rent
(both Base Rent and additional rent) shall be independent of any other covenant set forth in this
Lease.

                    (b)      Tenant has deposited with Landlord the sum equal to Four Thousand and 00/100 Dollars
($4000.00) as security for the full and faithful performance of every provision of this Lease to be
performed by Tenant. If Tenant defaults with respect to any provision of this Lease, including but
not limited to the provisions relating to the payment of rent, Landlord may use, apply or retain
all or any part of this security deposit for the payment

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of any rent and any other sum in default, or for the payment of any other amount which Landlord may
spend or become obligated to spend by reason of Tenant’s default. If any portion of said deposit is
to be used or applied, Tenant shall within five (5) days after written demand therefor deposit cash
with Landlord in an amount sufficient to restore the security deposit to its original amount and
Tenant’s failure to do so shall be a material breach of this Lease. Landlord shall not be required
to keep this security deposit separate from its general funds and Tenant shall not be entitled to
interest on such deposit. If Tenant shall fully and faithfully perform every provision of this
Lease to be performed by it, the security deposit or any balance thereof shall be returned to
Tenant (or at Landlord’s option to the last assignee of Tenant’s interest hereunder) at the
expiration of the lease term and upon Tenant’s vacation of the Premises.

          4.      ADDITIONAL RENT.

                    (a)      Tenant shall pay to Landlord as additional rent an amount equal to Tenant’s
Proportionate Share (hereinafter defined) of the Real Estate Taxes (hereinafter defined) for each
calendar year in which this Lease is operative.

                              “Tenant’s Proportionate Share” for any calendar year shall be the percentage resulting from
dividing the number of square feet of rentable area included in the Premises (which is 5,125 square
feet) by the number of square feet of rentable area included in the Building (which is 7,750 square
feet).

                    (b)      The term “Real Estate Taxes” shall mean and include all taxes, general and special, levied
against the Condominium Unit and Landlord’s percentage interest in the Common Elements imposed by
Federal, state or local governments, which shall become a lien during each calendar year in which
Tenant occupies the Premises subject to this Lease, and shall also include all taxes equitably
determined by Landlord to be levied in lieu of or in substitution therefor. Real Estate Taxes shall
not include taxes based on receipt of rentals unless such taxes are in lieu of Real Estate Taxes
nor shall Real Estate Taxes include income, franchise, capital stock, estate or inheritance taxes.
Real Estate Taxes shall also include any personal property taxes imposed upon the fixtures,
machinery, equipment, apparatus, systems and appurtenances in, upon or used in connection with the
Unit for the operation thereof. In the case of special taxes which may be payable in installments
only the amount of each installment payable during a calendar year shall be included in Real Estate
Taxes for that year. Net recoveries through protest, appeals or other actions taken by Landlord, in
its discretion, after deduction of all costs and expenses, including attorneys’ and other fees,
shall be deducted by Landlord from Real Estate Taxes for the year of receipt. Tenant’s
Proportionate Share of Real Estate Taxes shall

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be
computed and derived from the Building’s assessed valuation for each relevant year, and such
assessed valuation will not include any reductions granted to Landlord for partial vacancy
allowances.

                    (c)      Tenant shall also pay to Landlord as additional rent an amount equal to Tenant’s
Proportionate Share (as defined in Paragraph 4 (a)) of the amount of the Direct Expenses
(hereinafter defined) for each calendar year in which this Lease is operative.

                              The annual determination of Direct Expenses shall be made or verified by an accountant
designated by Landlord and shall be binding upon Landlord and Tenant.

                              In the event that during all or any portion of any calendar year the Unit is not fully rented
and occupied, Landlord may elect to make an appropriate adjustment in Direct Expenses for such
year, employing sound accounting and management principles, to determine Direct Expenses that would
have been paid or incurred by Landlord had the Unit been fully rented and occupied and the amount
so determined shall be deemed to have been Direct Expenses for such year.

                    (d)      The term “Direct Expenses” shall mean all direct costs of operation, maintenance, and
management of the Unit, as determined in accordance with generally accepted accounting principles,
including the following costs by way of illustration, but not limitation: Association charges or
assessments; sewer charges; insurance premiums of or relating to all insurance policies and
endorsements deemed by Landlord to be reasonably necessary or desirable and relating in any manner
to the protection, preservation, or operation of the Building or any part thereof; the cost of
waste disposal; the cost of janitorial services; window cleaning costs; labor costs; costs incurred
in the management of the Building; material costs; equipment costs and the cost of service
agreements; licenses, permits, and inspection fees; wages and salaries; employee benefits and
payroll taxes; accounting and legal fees; and management expenses. (Direct Expenses shall not
include: depreciation on the Building or equipment therein; loan principal payments; the costs of
alterations of Tenant’s premises; real estate brokers’ commission; leasing commissions; interest
expenses on long-term borrowings; or advertising costs.)

                    (e)      In the event that the Consumer Price Index for 1993 (the “Base Year”) shall be less than
the Consumer Price Index for any Comparison Year (the term “Comparison Year” shall mean each
calendar year after the Base Year through and including the calendar year in which the term
expires), Tenant shall pay Landlord upon demand, as additional rent for each such Comparison Year,
$48,000.00 multiplied by the percentage increase by which the Consumer Price Index in such
Comparison Year exceeds the Consumer Price Index in the Base Year. For the purposes of this lease,
the term “Consumer Price Index” shall mean the Consumer Price Index

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United States All Items for All Urban Consumers published by the Bureau of Labor Statistics of the
Department of Labor (Base Year—1967) . The Consumer Price Index for the Base Year or any
Comparison Year shall be determined by averaging the monthly indexes for that year.

                              If the manner in which such Consumer Price Index as determined by the Bureau of Labor
Statistics shall be substantially revised, an adjustment shall be made in such revised index, which
would produce results equivalent, as nearly as possible, to those which would have been obtained if
the Consumer Price Index had not been so revised.

                              If the Consumer Price Index shall become unavailable to the public because publication is
discontinued, or otherwise, Landlord will substitute therefor a comparable index that is based upon
changes in the cost of living or purchasing power of the consumer dollar and that is published by
any other governmental agency, or, if no such index shall be available, then a comparable index
that is published by a major bank or other financial institution or by a university or a recognized
financial publication.

                    (f)      Landlord may, at any time, deliver to Tenant Landlord’s estimate (or revised estimate) of
such additional amounts payable under Paragraph 4(a), Paragraph 4(c) or Paragraph 4(e) for the then
current or ensuing calendar year. On or before the first day of the next month and on or before the
first day of each month thereafter, Tenant shall pay to Landlord as additional rent such amount, as
Landlord shall reasonably determine, as is necessary to bring and keep Tenant current.

                              As soon as practicable after the close of each
calendar year, Landlord shall deliver to Tenant a statement showing the total amount payable by
Tenant under Paragraph 4(a), Paragraph 4(c) or Paragraph 4(e). If the statement shows an amount due
from Tenant that is less than the estimated payments previously paid by Tenant to cover the total
amount due, the amount that Tenant has overpaid shall be credited to Tenant’s following month’s
payment of Base Rent. If the statement shows an amount due from Tenant that is greater than the
estimated payments previously paid by the Tenant, Tenant shall pay the deficiency to Landlord, as
additional rent, within thirty (30) days after delivery of the statement.

          5.      BUILDING SERVICE AND PUBLIC UTILITY CHARGES. Landlord agrees to use reasonable
efforts to furnish to the Premises during reasonable hours of generally recognized business days,
as reasonably determined by Landlord, and subject to the rules and regulations of the Building and
Board, heat and air conditioning required in Landlord’s reasonable judgment for the comfortable use
and occupancy of the Premises. Landlord shall not be liable for,

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and Tenant shall not be entitled to, any abatement or reduction of rental by reason of Landlord’s
failure to furnish any of the foregoing, nor shall such failure constitute an eviction, whether
such failure is caused by accident, breakage, repairs, energy shortages or restriction, strikes,
lockouts or other labor disturbances or labor disputes of any character, riots, civil disturbance
or by any other cause, similar or dissimilar, beyond the reasonable control of Landlord. Landlord
shall not be liable under any circumstances for loss of or injury to property, however occurring,
through or in connection with or incidental to failure to furnish any of the foregoing.

          Tenant and its employees and visitors have the exclusive use of four parking spaces as
reflected in Exhibit E and may use that outdoor parking area adjacent to the Building in
common on a “first come first serve” basis with other tenants of space in the Building, their
employees and visitors, all subject to such reasonable rules and regulations as from time to time
may be imposed by Landlord and the Board.

          Landlord agrees to furnish water for lavatories and drinking, electricity for equipment, and
accessories for general office use and gas for heating or other uses, all as deemed necessary in
the reasonable judgment of Landlord.

          Unless the Premises shall be separately metered, Tenant shall pay for electricity, water, and
gas used in the Premises as reasonably billed by Landlord. Tenant shall furnish, at its own
expense, all electric light bulbs, tubes and ballasts.

          Throughout the term of this Lease, Tenant agrees to pay all charges for gas, water,
electricity, light, heat, power and telephone or other communication service separately metered to
or separately billed to the Premises. Landlord shall not be liable for any failure for any of the
public utilities to furnish any such service, nor shall any failure for any length of time of any
one or more of said utility companies to furnish any such service make this Lease voidable or
constitute a ground upon which Tenant may terminate or otherwise abrogate this Lease or any of
Tenant’s obligations hereunder.

          6.      CONDITION OF PREMISES. By taking possession of the Premises, Tenant shall be deemed
to have agreed that the Premises were as of the date of taking possession in good order, repair and
condition. No promise of the Landlord to alter, remodel, decorate, clean or improve the Premises,
the Building or the Common Elements and no representation or warranty, express or implied,
respecting the condition of the Premises, the Building or the Common Elements has been made by the
Landlord to Tenant, unless the same is contained herein, or made a part hereof. This Lease does not
grant any rights to light or air over property.

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          7.      USES PROHIBITED. Tenant shall not use, or permit the Premises or any part thereof
to be used, for any purpose or purposes other than general office purposes. No use shall be made or
permitted to be made of the Premises, nor acts done, which will increase the existing rate of
insurance upon the Condominium Unit or Williamsburg Village, or cause a cancellation of any
insurance policy covering the Condominium Unit or Williamsburg Village, or any part thereof, nor
shall Tenant sell, or permit to be kept, used or sold, in or about the Premises, any article which
may be prohibited by Landlord’s or the Board’s insurance policies. Tenant shall not commit, or
suffer to be committed, any waste upon the Premises, or any public or private nuisance, or any
other act or thing which may disturb the quiet enjoyment of any other tenants in the Building or
other occupants of Williamsburg Village, and Tenant shall not, without limiting the generality of
the foregoing, allow the Premises to be used for any improper, immoral, unlawful or objectionable
purpose.

          8.      COMPLIANCE WITH LAW. Tenant shall not use the Premises or permit anything to be
done in or about the Premises which will in any way conflict with any law, statute, ordinance or
governmental rule or regulation now in force or which may hereafter be enacted or promulgated,
including, but not limited to the Planned Unit Development Ordinance of the Village of Inverness
pertaining to Williamsburg Village. Tenant shall, at its sole cost and expense, promptly comply
with all laws, statutes, ordinances and governmental rules, regulations and requirements now in
force or which may hereafter be in force, including but not limited to the Americans with
Disabilities Act, and Tenant shall comply with the requirements of any board of fire underwriters
or other similar body now or hereafter constituted relating to or affecting the condition, use or
occupancy of the Premises. The judgment of any court of competent jurisdiction or the admission of
Tenant in any action against Tenant, whether Landlord be a party thereto or not, that Tenant has
violated any law, statute, ordinance, governmental rule, regulation or requirement shall be
conclusive of that fact as between Landlord and Tenant.

          9.      HOLDING OVER. Should Tenant hold over after the termination of this Lease, by lapse
of time or otherwise, Tenant shall become a tenant from month to month only upon each and all of
the terms herein provided as may be applicable to such month to month tenancy and any such holding
over shall not constitute an extension of this Lease; provided, however, during such holding over,
Tenant shall pay base rent (as adjusted pursuant to Paragraph 4, all as estimated by Landlord) at
double the rate payable for the month immediately preceding said holding over and in addition,
Tenant shall pay Landlord all damages, consequential as well as direct, sustained by reason of
Tenant’s holding over. Alternatively, at the election of Landlord expressed in a written

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notice to the Tenant and not otherwise, such retention of possession shall constitute a renewal of
this Lease for one year. The provisions of this paragraph do not exclude the Landlord’s rights of
re-entry or any other right hereunder.

     10.      MAINTENANCE, REPAIRS AND ALTERATIONS.

                    (a)      Subject to the provisions of Paragraph 15, and Paragraph 4(c), and except for damage
caused by any negligent or intentional act or omission of Tenant, Tenant’s agents, employees or
invitees, Landlord, as a “Direct Expense”, shall keep or cause the Board to keep in good order,
condition and repair the foundation, exterior and interior walls, interior supporting columns and
the exterior roof of the Premises. Tenant, at Tenant’s expense shall also keep and maintain the
Building and the Premises and every part thereof and any fixtures, facilities or equipment
contained therein in good order, condition and repair, including, but not limited to, the heating
and air conditioning, electrical, plumbing and sewer systems. Neither the Board nor Landlord shall
be obligated to paint the interior of the Premises. Neither the Board nor Landlord shall be
obligated to make repairs under this Paragraph 10(a) until a reasonable time after receipt of
written notice of the need for such repairs.

                    (b)      Tenant shall not do any painting or decorating, or erect any partitions or make any
alterations in or any additions or changes to the Premises without Landlord’s prior written consent
in each and every instance. Unless otherwise agreed by Landlord and Tenant in writing, all such
replacements, and alterations shall be performed either by or under the direction of Landlord, but
at the cost of Tenant. Unless otherwise provided by written agreement, all alterations,
improvements and changes shall remain upon and be surrendered with the Premises, excepting however,
that at Landlord’s option, Tenant shall, at its expense, when surrendering the Premises, remove
from the Premises and the Building all such alterations, improvements and changes installed in the
Premises by Tenant and restore the Premises to the condition existing prior to such alterations,
improvements or changes. If Tenant does not remove said additions, decorations, fixtures, hardware,
non-trade fixtures and improvements after request to do so by Landlord, Landlord may remove the
same and restore the Premises and Tenant shall pay the cost of such removal and restoration to
Landlord upon demand. Tenant hereby agrees to protect, defend, indemnify and hold harmless
Landlord, its agents and employees, the Association, the Board, the Premises, the Condominium Unit
and Williamsburg Village from any and all liabilities of every kind and description which may arise
out of or be connected in any way with said replacements, alterations or additions. Any mechanic’s
lien filed against the Premises or the Condominium Unit or for which notice is received by either
Landlord or Tenant for work claimed to have been furnished to Tenant shall be released and
discharged of record by

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Tenant within ten (10) days after such filing or receipt, whichever is applicable, at Tenant’s
expense. Upon completing any replacements, alterations or additions, Tenant shall furnish Landlord
with contractors’ affidavits and full and final waivers of lien and receipted bills covering all
labor and materials expended and used. All replacements, alterations and additions shall comply
 with all insurance requirements and with all applicable laws, statutes, ordinances and
regulations. All alterations and additions shall be constructed in good and workmanlike manner and
only good grades of materials shall be used.

                    (c)      Tenant shall, at the termination of this Lease, surrender the Premises to Landlord in as
good condition and repair as reasonable and proper use thereof will permit, loss by ordinary wear
and tear, fire or other casualty excepted, and subject to the other terms and provisions of this
lease.

          11.      ABANDONMENT. Tenant shall not vacate or abandon the Premises at any time during
the term, and if Tenant shall abandon, vacate or surrender (whether at the end of the stated Term
or otherwise) the Premises, or be dispossessed by process of law or otherwise, any personal
property belonging to Tenant and left on the Premises shall be deemed abandoned, at the option of
Landlord.

          12.      ASSIGNMENT AND SUBLETTING. Tenant shall not assign this Lease or any interest
therein, and shall not sublet the Premises or any part thereof, or any right or privilege
appurtenant thereto, or suffer any other person to occupy or use the Premises, or any portion
thereof, without the prior written consent of the Landlord which may not be arbitrarily withheld.
If Tenant shall request Landlord’s consent to any such assignment or subletting, Landlord, at its
option, may elect to terminate this Lease effective on the first day of the third calendar month
next succeeding receipt of Tenant’s request for such consent or subletting, which election, if
exercised by Landlord, shall be by written notice to Tenant given within twenty (20) days after
receipt by Landlord of Tenant’s request for such consent. Any such assignment or subletting or
occupancy without Landlord’s prior written consent shall be void and shall, at the option of
Landlord, constitute a default under this Lease. Neither this Lease nor any interest therein shall
be assignable as to the interest of Tenant by operation of law without the written consent of
Landlord, which consent may not be arbitrarily withheld.

          13.      SIGNS. Tenant shall not place or affix any interior signs visible from the
outside of the Premises or exterior signs without the prior written consent of Landlord.

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     14. DAMAGE TO PROPERTY; INJURY TO PERSONS. Tenant, as a material part of the
consideration to be rendered to Landlord under this Lease, to the extent permitted by law, hereby
waives all claims, except claims caused by or resulting from the sole negligence of Landlord, its
agents, servants or employees, which Tenant or Tenant’s successor or permitted assigns may have
against Landlord, its agents, servants and employees, for loss, theft or damage to property and for
injuries to persons, including death, in, upon or about the Premises, the Building or the
Condominium Unit, from any cause whatsoever. Tenant will protect, defend, indemnify and hold
Landlord, its agents, servants and employees exempt and harmless from and on account of (i) any
damage or injury, including death, to any person, or (ii) any damage to the goods, wares and
merchandise of any person including the loss of the use thereof arising from the use of the
Premises, Building or Common Elements by Tenant, or arising from the failure of Tenant to keep the
Premises in good condition as herein provided.

     Neither Landlord nor its agents, servants or employees nor the Board shall be liable to
Tenant for any damage by or from any act or negligence of any co-tenant or other occupant of
the Building, or by any owner or occupant of any Condominium Unit at Williamsburg Village, or
by any owner or occupant of adjoining or contiguous property. Tenant agrees to pay for all
damage to the Building, the Common Elements, or the Premises, as well as for all damage to
tenants or occupants thereof caused by Tenant’s misuse or neglect to the extent that the other
party has not recovered the amount of such loss, damage or injury from insurance and the
insurance company is bound by this waiver of liability.

     Particularly, but not in limitation of the foregoing paragraph, all property belonging to
Tenant or any other occupant of the Premises that is located in the Building or the Premises
shall be there at the risk of Tenant or such other person only, and Landlord or its agents or
employees (except in case of sole negligence of Landlord or its agents or employees) shall not
be liable for: damage to or theft of or misappropriation of such property; damage to property
entrusted to Landlord, its agents or employees, if any; the loss of or damage to any property
by theft or otherwise; any injury or damage to persons or property resulting from fire,
explosion, falling plaster, steam, gas, electricity, snow, water or rain which may leak from
any part of the Building or from the roof, street or subsurface or from any other place or
resulting from dampness or any other cause whatsoever; interference with the light or other
incorporeal hereditaments; or any latent defect in the Premises, the Building, the pipes, the
appliances or the plumbing works therein. Tenant shall give prompt notice to Landlord in case
of fire or accidents in the Premises or in the Building or of defects therein or in the
fixtures or equipment.

     In case any action or proceeding be brought against Landlord by reason of any obligation
on Tenant’s part to be performed under

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the terms of this Lease, or arising from any act or negligence of the Tenant, or of its agents or
employees, Tenant, upon notice from Landlord, shall defend the same at Tenant’s expense by counsel
reasonably satisfactory to Landlord.

     Tenant shall obtain from responsible companies approved by Landlord, and maintain in full
force and effect during the term of this Lease, (a) public liability insurance in a combined single
limit liability in an amount of not less than $1,000,000, insuring Tenant, Landlord and, if
requested by Landlord, any mortgagee of Landlord and/or the Board and Association against all
claims, demands or action for injury to or death of one or more persons in any one accident and for
damage to property made by or on behalf of any person, firm or corporation, in any way arising
from, related to, or connected with the conduct or operation of Tenant’s business in the Premises
or Tenant’s use of the Premises and, in addition, and in like amount, obtain and maintain insurance
covering Tenant’s contractual liability under the aforesaid hold harmless clause. Landlord may
require that such public liability insurance limits be increased from time to time to those limits
which Landlord reasonably requires and (b) such other insurance on the Premises in such amounts as
may from time to time be reasonably required by Landlord against other insurable hazards which at
the time are commonly insured against in the case of premises similarly situated. Certificates of
such insurance shall be delivered to Landlord. All such insurance policies shall indicate that at
least ten days prior written notice shall be delivered to Landlord by the insurer prior to
termination or cancellation of such insurance.

     15. DAMAGE OR DESTRUCTION. In the event the Premises or the Building are damaged by
fire or other insured casualty and the insurance proceeds have been made available therefor by the
holder or holders of any mortgages or deeds of trust covering the Building and made available by
the Board, Landlord, subject to the Condominium Documents, shall cause the damage to be repaired by
and at the expense of Landlord to the extent of such insurance proceeds available therefor,
provided such repairs can, in Landlord’s sole opinion, be made within one hundred twenty (120) days
after the occurrence of such damage without the payment of overtime or other premiums. Until such
repairs are completed, the rent shall be abated in proportion to the part of the Premises which is
unusable and not used by Tenant in the conduct of its business; provided if the damage is due to
the fault or neglect of Tenant or its employees, agents or invitees, there shall be no abatement of
rent. If repairs cannot, in Landlord’s sole opinion, be made within one hundred twenty (120) days,
Landlord shall notify Tenant within sixty (60) days of the date of occurrence of such damage and
either Landlord or Tenant, by written notice to the other given within twenty (20) days thereafter,
may cancel this Lease as of the date of the occurrence of such damage. Except as provided in this
paragraph, there shall be no abatement of rent and no liability of

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Landlord or the Board by reason of any injury to or interference with Tenant’s business or property
arising from the making of any repairs, alterations or improvements in or to any portion of the
Building, the Premises or the Common Elements, or in or to fixtures, appurtenances and equipment
therein. Tenant understands that Landlord will not carry insurance of any kind on Tenant’s
furniture and furnishings or on any fixtures or equipment removable by Tenant under the provisions
of this Lease or of improvements installed in the Premises by or for Tenant, and that Landlord
shall not be required to repair any injury or damage caused by fire or other cause, or to make any
repairs or replacements to or of improvements installed in the Premises by or for Tenant.

     16. ENTRY BY LANDLORD. Landlord and its agents shall have the right to enter the
Premises at all reasonable times for the purpose of examining or inspecting the same, to supply any
services to be provided by Landlord or Tenant hereunder, to show the same to prospective purchasers
or tenants of the Condominium Unit, and to make such alterations, repairs, improvements or
additions, whether structural or otherwise, to the Premises or to the Building as  Landlord
may deem necessary or desirable. Landlord may enter the main entrance by means of a master key without
liability to Tenant except for any failure to exercise due care for Tenant’s property and without
affecting this Lease. Landlord shall use reasonable efforts on such entry not to unreasonably
interrupt or interfere with Tenant’s use and occupancy of the Premises.

     17. INSOLVENCY OR BANKRUPTCY. If at any time during the term hereby demised or prior
thereto there shall be filed by or against Tenant in any court a petition in bankruptcy or
insolvency or for reorganization or for the appointment of a receiver or trustee of all or a
portion of Tenant’s property, and within thirty (30) days thereof Tenant fails to secure a
discharge thereof, this Lease, at the option of Landlord, exercised within a reasonable time after
notice of the happening of any one or more of such events, may be canceled and terminated and in
which event neither Tenant nor any person claiming through or under Tenant by virtue of any statute
or of an order of any court shall be entitled to possession or to remain in possession of the
Premises demised but shall forthwith quit and surrender the Premises, and Landlord in addition to
the other rights and remedies Landlord has by virtue of any other provision herein or elsewhere in
this Lease contained or by virtue of any statute or rule of law may retain as liquidated damages
any rent, security deposit or monies received by it from Tenant or others in behalf of Tenant.

     18. DEFAULT. Tenant will be deemed in default of this Lease if any of the following
events of default shall occur, to-wit:

- 13 -

 

          (a) Tenant defaults in the payment of rent (whether Base rent or additional rent) or any other
sum required to be paid hereunder, or any part thereof, or

          (b) Tenant defaults in the full performance of any other covenant, agreement or condition of
this Lease and such other default shall continue for a period of twenty (20) days after written
notice thereof from Landlord to Tenant (unless such other default involves a hazardous condition,
in which event it shall be cured forthwith), provided, however, with respect to any default which
cannot be cured within twenty (20) days, Tenant in good faith, within twenty (20) days after
receipt of such written notice, shall have commenced and thereafter shall continue to diligently
prosecute all action necessary to cure such default, or

          (c) If the leasehold interest of Tenant shall be levied upon under execution or shall be
attached by process of law, or

          (d) If Tenant abandons the Premises. In such event, Landlord, in addition to other rights or
remedies it may have, shall have the immediate right of re-entry and may remove all persons and
property from the Premises; such property may be removed and stored in any other place in the
Building or in any other place for the account of and at the expense and at the risk of Tenant.
Tenant hereby waives all claims for damages which may be caused by the re-entry of Landlord and
taking possession of the Premises or removing or storing the equipment, furniture and property as
herein provided, and will protect, defend, indemnify and save Landlord harmless from any loss,
costs or damages of Landlord thereby, and no re-entry shall be considered or construed to be a
forcible entry.

               Should Landlord elect to re-enter, as herein provided, or should it take possession pursuant
to legal proceedings or pursuant to any notice provided by law, it may either terminate this Lease
or it may from time to time, without terminating this Lease, re-let the Premises or any part
thereof for such term or terms and at such rental or rentals and upon such other terms and
conditions as Landlord in its sole discretion may deem advisable, with the right to make
alterations and repairs to the Premises.

               Landlord may elect to apply rentals received by it (i) to the payment of any indebtedness,
other than rent, due hereunder from Tenant to Landlord; (ii) to the payment of any cost of such
reletting; (iii) to the payment of the cost of any alterations and repairs to the Premises; and/or
(iv) to the payment of rent due and unpaid hereunder; and the residue, if any, shall be held by
Landlord and applied in payment of future rent as the same may become due and payable hereunder.
Should such rentals received from such re-letting (after application by Landlord to payments
described in foregoing clauses (i) through (iv)) during any month

- 14 -

 

be less than agreed to be paid during that month by Tenant hereunder, then Tenant shall pay such
deficiency to Landlord. Such deficiency shall be calculated and paid monthly on demand by
Landlord.

               In lieu of electing to receive and apply rentals as provided in the immediately preceding
paragraph, Landlord may elect to receive from Tenant, for Tenant’s default, as and for Landlord’s
liquidated damages an amount equal to the entire amount of Base Rent and additional rent provided
for in this Lease for the remainder of the term which amount shall be forthwith due and payable by
Tenant upon its being advised of such election by Landlord.

               No such re-entry or taking possession of the Premises by Landlord shall be construed as an
election on its part to terminate this Lease unless a written notice of such intention be given to
Tenant or unless the termination thereof be decreed by a court of competent jurisdiction.
Notwithstanding any such re-letting without termination, Landlord may at any time thereafter elect
to terminate this Lease for such previous breach.

               Nothing herein contained shall limit or prejudice the right of Landlord to provide for and
obtain as damages by reason of any such termination of this Lease or of possession an amount equal
to the maximum allowed by any statute or rule of law in effect at the time when such termination
takes place, whether or not such amount be greater, equal to, or less than the amounts of damages
which Landlord may elect to receive as set forth above.

               No delay on the part of Landlord in the exercise of any right or remedy hereunder shall
operate as a waiver thereof and no single or partial exercise by Landlord of any right or remedy
shall preclude other or further exercise thereof of any other right or remedy.

     19. RULES AND REGULATIONS. Such rules and regulations as may be hereafter adopted by
Landlord or the Board for the safety, care and cleanliness of the Premises and the preservation of
good order thereon for any of such reasons are hereby expressly made a part hereof, and Tenant
agrees to obey all such rules and regulations. The violation of any such rule or regulation by
Tenant shall be deemed a default under this lease by Tenant, affording Landlord all those remedies
set out in Paragraph 18 hereof. Landlord shall not be responsible to Tenant for the
non-performance of any said rule or regulation by any other tenant or occupant of the Building or
by Williamsburg Village.

     20. TAXES. During the term hereof, Tenant shall pay prior to delinquency all taxes
assessed against and levied upon fixtures,

- 15 -

 

furnishings, equipment and all other personal property of Tenant contained in the Premises, and
Tenant shall cause said fixtures, furnishings, equipment and other personal property to be assessed
and billed separately from the real property of Landlord. In the event any or all of the Tenant’s
fixtures, furnishings, equipment and other personal property shall be assessed and taxed with the
Landlord’s real property, Tenant shall pay to Landlord its share of such taxes within ten (10) days
after delivery to Tenant by Landlord of a written statement setting forth the amount of such taxes
applicable to the Tenant’s property.

     21. EMINENT DOMAIN. If the Building or a substantial part thereof or if a substantial
part of the Premises shall be lawfully taken or condemned (or conveyed under threat of such taking
or condemnation) for any public or quasi-public use or purpose, the term of this Lease shall end
upon, and not before, the date of the taking of possession by the condemning authority, and without
apportionment of the award. Tenant hereby assigns to Landlord Tenant’s interest, if any, in such
award. Current rent shall be apportioned as of the date of such termination. If any part of the
Building other than the Premises or a part not constituting a substantial part of the Premises
shall be so taken or condemned (or conveyed under threat of such taking or condemnation), or if the
grade of any street adjacent to the Building is changed by any competent authority and such taking
or change of grade makes it necessary or desirable to substantially remodel or restore the
Building, Landlord shall have the right to cancel this Lease upon not less than ninety (90) days
notice prior to the date of cancellation designated in the notice. No money or other consideration
shall be payable by Landlord to Tenant for the right of cancellation, and Tenant shall have no
right to share in any condemnation award or in any judgment for damages or in any proceeds of any
sale made under any threat of condemnation or taking.

     22. SUBORDINATION TO MORTGAGES, DEEDS OF TRUST AND GROUND LEASE. This Lease and the
rights of Tenant hereunder shall be and are hereby made subject and subordinate to the lien of any
mortgage or deed of trust now or hereafter existing against the condominium Unit or any part or
parts thereof, and to all renewals, modifications, consolidations, replacements and extensions
thereof and to all advances made or hereafter to be made upon the security thereof.

     Although such subordination shall be self operating, Tenant, or its successors in interest,
shall, upon Landlord’s request, execute and deliver upon the demand of Landlord any and all
instruments desired by Landlord subordinating in the manner reasonably requested by Landlord this
Lease to any such mortgage or deed of trust (“Subordination Instruments”). Landlord is hereby

- 16 -

 

irrevocably appointed and authorized as agent and attorney-in-fact of Tenant to execute all such
Subordination Instruments in the event Tenant fails to execute said instruments within five (5)
days after notice from Landlord demanding the execution thereof. Said notice may be given in the
manner hereinafter provided for giving notice.

     Should any mortgage or deed of trust affecting the Condominium Unit be foreclosed: (a) the
liability of the mortgagee, trustee or purchaser at such foreclosure sale shall exist only so long
as the trustee, mortgagee or purchaser is the owner of the condominium Unit and such liability
shall not continue or survive after further transfer of ownership; and (b) Tenant shall be deemed
to have attorned, as Tenant, under this Lease, to purchaser at any foreclosure sale hereunder, and
this Lease shall continue in force and effect as a direct Lease between and binding upon Tenant and
such mortgagee, as the case may be. As used in this Paragraph 22, “mortgagee” shall include
successors and assigns, whether immediate or remote.

     23. 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 such term, covenant or condition of any
subsequent breach of the same of any other term, covenant or condition herein contained. The
acceptance of rent hereunder shall not be construed to be a waiver of any breach by Tenant of any
term, covenant or condition of this Lease. It is understood and agreed that the remedies herein
given to Landlord shall be cumulative and the exercise of any one remedy by Landlord shall not be
to the exclusion of any other remedy.

     24. INABILITY TO PERFORM. This Lease and the obligation of Tenant to pay rent
hereunder and perform all of Tenant’s other covenants, obligations and agreements hereunder on the
part of Tenant to be performed shall not be affected, impaired or excused, nor shall Landlord at
any time be deemed to be in default hereunder, because Landlord, the Board or the Association is
unable (a) to fulfill any of its obligations under this Lease or the Condominium Documents, (b) to
supply, or is delayed in supplying, any service expressly required or required by implication, (c)
to make, or is delayed in making, any Tenant improvements, repairs, additions, alterations or
decorations or (d) to supply, or is delayed in supplying, any equipment or fixtures, if Landlord,
the Board or the Association is prevented or delayed from so doing any of the foregoing by reason
of, but not limited to, accident, breakage, repairs, strike, labor troubles or any outside cause
whatsoever beyond the reasonable control of Landlord, the Board or the Association, including but
not limited to riots, civil disturbances, energy shortages, governmental preemption in connection
with a national emergency or by reason of any rule,

- 17 -

 

order or regulation of any department or subdivision thereof of any government agency, or by reason
of the conditions of supply and demand which have been or are affected by war or other emergency,
or by reason of any other cause, similar or dissimilar, beyond the reasonable control of Landlord,
the Board or the Association.

     25. SUBROGATION. The parties hereto agree to use good faith efforts to have any and
all fire, extended coverage and/or material damage insurance which may be carried endorsed with a
subrogation clause substantially as follows: “This insurance shall not be invalidated should the
insured waive in writing prior to a loss any or all right of recovery against any party for loss
occurring to the property described therein.”; and each party hereto waives all claims for recovery
from the other party for any loss or damage (whether or not such loss or damage is caused by
negligence of the other party and notwithstanding any provision or provisions contained in this
Lease to the contrary) to any of its property insured under valid and collectible insurance
policies to the extent of recovery collectible under such insurance, subject to the limitation that
this waiver shall apply only when it is permitted by the applicable policy of insurance.

     26. PLATS AND RIDERS. Clauses, plats and riders, if any, signed by Landlord and
Tenant and endorsed on or affixed to this Lease are a part hereof, and in the event of variation or
discrepancy, the duplicate original hereof, including such clauses, plats and riders, if any, held
by Landlord shall control.

     27. SALE BY LANDLORD. In the event of a sale, transfer or conveyance by Landlord of
its interest in the Condominium Unit of which the Premises are a part, the same shall operate to
release Landlord from any future liability upon any of the covenants or conditions, express or
implied, herein contained in favor of Tenant, and in such event Tenant agrees to look solely to the
responsibility of the successor in interest of Landlord. If any security deposit has been made by
Tenant under Paragraph 3(b), Landlord may transfer such security deposit to such successor in
interest of Landlord and thereupon Landlord shall be released from any further obligations
hereunder. This Lease shall not be affected by any such sale, transfer or assignment, and the
Tenant agrees to attorn to the purchaser, transferee or assignee.

     28. RIGHT OF LANDLORD TO PERFORM. All covenants and agreements to be performed by
Tenant under any of the terms of this Lease shall be performed by Tenant at Tenant’s sole cost and
expense and without any abatement of rent. If Tenant shall fail to pay any sum of money, other
than rent, required to be paid by it hereunder, or shall fail to perform any other act on its part
to be

- 18 -

 

performed hereunder, and such failure shall continue for ten (10) days after notice thereof by
Landlord or the Board, either Landlord or the Board may, but shall not be obligated so to do, and
without waiving or releasing Tenant from any obligations of Tenant, make any such payment or
perform any such other act on Tenant’s part to be made or performed by Tenant as provided in this
Lease provided. All sums so paid by Landlord or the Board and all necessary incidental costs
together with interest thereon at the Agreed Interest Rate from the date of such payment by
Landlord or the Board shall be payable to Landlord on demand and Tenant covenants to pay any such
sums, and Landlord shall have (in addition to any other right or remedy of Landlord) the same
rights and remedies in the event of the non-payment thereof by Tenant as in the case of default by
Tenant in the payment of rent.

     29. ATTORNEYS, FEES. In the event Landlord takes action, including but not limited
to litigation, arbitration or correspondence with attorneys, to enforce any provision of this
Lease or any of its rights hereto, the unsuccessful party to such litigation or arbitration shall
pay to Landlord all costs and expenses, including reasonable attorneys’ fees, incurred therein.
Moreover, if Landlord, without fault, is made a party to any litigation instituted by or against
Tenant, Tenant shall indemnify Landlord against and protect, defend, and save Landlord harmless
from all costs and expenses, including reasonable attorneys’ fees, incurred by it in connection
therewith.

     30. ESTOPPEL CERTIFICATE. Tenant shall at any time and from time to time upon not less
than ten (10) days prior written notice from Landlord execute, acknowledge and deliver to Landlord
a statement in writing certifying that this Lease is unmodified and in full force and effect (or if
modified, stating the nature of such modification and certifying that this Lease, as so modified,
is in full force and effect) and the dates to which the rental and other charges are paid and
acknowledging that there are not, to Tenant’s knowledge, any uncured defaults on the part of
Landlord hereunder, or specifying such defaults if any are claimed. It is expressly understood and
agreed that any such statement may be relied upon by any prospective purchaser or encumbrancer of
all or any portion of the real property of which the Premises are a part or by any other person to
whom it is delivered. Tenant’s failure to deliver such statement within such time shall be
conclusive upon Tenant that this Lease is in full force and effect, without modification except as
may be represented by Landlord, that there are no uncured defaults in Landlord’s performance and
that not more than one month’s rental has been paid in advance.

     31. NOTICE. Any notice from Landlord to Tenant or from Tenant to Landlord shall be in
writing and may be served personally or by mail. If served by mail, notice shall be deemed served
on

- 19 -

 

the second day after mailing if mailed by registered or certified mail, return receipt requested,
addressed to Tenant at the Premises or to Landlord at the place from time to time established for
the payment of rent.

     32. RIGHTS RESERVED. Landlord reserves on behalf of itself and on behalf of the
Board the following rights, exercisable without notice and without liability to Tenant for damage
or injury to property, person or business and without effecting an eviction, constructive or
actual, or disturbance of Tenant’s use or possession or giving rise to any claim for set-off or
abatement of rent:

          (a) To install, affix and maintain any and all signs on the exterior of the Building.

          (b) To designate, limit, restrict and control any service in or to the Building or to the
Tenant, provided such services by Landlord are provided at rates that are reasonably competitive.
No vending or dispensing machines of any kind shall be placed in or about the Premises without the
prior written consent of Landlord.

          (c) To retain at all times, and to use in appropriate instances, keys to the main entrance of
the building into the Premises and Building. No locks or bolts to the main entrance of the building
shall be altered, changed or added without the prior written consent of Landlord.

          (d) To decorate or to make repairs, alterations,
additions or improvements, whether structural or otherwise, in and about the Building or Common
Elements or any part thereof, and for such purposes to enter upon the Premises, and during the
continuance of said work to temporarily close doors and corridors in the Building and to interrupt
or temporarily suspend Building services and facilities.

          (e) To have and retain a paramount title to the Premises free and clear of any act of Tenant.

          (f) To grant to anyone the exclusive right to conduct any business or render any services in
the Building, provided such grant shall not prevent the use of the Premises for the purpose
specified in this Lease.

          (g) To approve the weight, size and location of heavy equipment and articles in and about the
Premises, the Building and the Common Elements. Movements of Tenant’s property into or out of the
Building and within the Building and the Common Elements are entirely at the risk and
responsibility of Tenant.

- 20 -

 

     33. REAL ESTATE BROKER. Each party represents to the other party that it has
not dealt with a broker in connection with this Lease. Each party shall indemnify and hold
harmless the other party from any loss or liability, including attorneys’ fees, arising from a
breach of the foregoing representation.

     34. MISCELLANEOUS PROVISIONS.

          (a) The words “re-enter” or “re-entry” as used in this Lease are not restricted to their
technical legal meaning. The term “Landlord” as used in this Lease means only the Landlord from
time to time, and upon conveying its interest, the conveying party shall be relieved from any
further obligation or liability pursuant to Paragraph 27.

          (b) Time is of the essence of this Lease and each and all of its provisions.

          (c) Submission of this instrument for examination or signature by Tenant does not constitute
a reservation of or offer or option for lease, and it is not effective as a lease or otherwise
until execution and delivery by both Landlord and Tenant.

          (d) The invalidity or unenforceability of any provision hereof shall not affect or impair any
other provisions.

          (e) This Lease shall be governed by and construed pursuant to the laws of the State of
Illinois.

          (f) Should the Board or any mortgagee require a modification of this Lease, which
modifications will not bring about any increased cost or expense to Tenant or in any other way
substantially change the rights and obligations of Tenant hereunder, then and in such event, Tenant
agrees that this Lease may be so modified.

          (g) All rights and remedies of Landlord under this Lease, or that may be provided by law, may
be exercised by Landlord in its own name individually, or in its name by its agent, and all legal
proceedings for the enforcement of any such rights or remedies, including distress for rent,
forcible detainer, and any other legal or equitable proceedings, may be commenced and prosecuted to
final judgment and execution by Landlord in its own name individually or in its name by its agent.
Tenant expressly stipulates that any rights or remedies available to Landlord either by the
provisions of this Lease or otherwise may be enforced by Landlord in its own name individually or
in its name by agent or principal.

- 21 -

 

          (h) The marginal headings and titles to the paragraphs of this Lease are not a part of this
Lease and shall have no effect upon the construction or interpretation of any part hereof.

          (i) The
terms and provisions of this Lease may not be modified or amended except by written
instrument signed by both Landlord and Tenant.

          (j) Tenant shall not record this Lease without Landlord’s prior written consent, and such
recordation shall, at the option of Landlord, constitute a
non-curable default of Tenant.

RIDER ATTACHED TO AND MADE A PART OF LEASE DATED APRIL 1, 1993

This LEASE is executed by LA SALLE NATIONAL TRUST, N.A., not personally but as Trustee as
aforesaid, in the exercise of the power and authority conferred upon and vested in it as such
Trustee, and under the express direction of the beneficiaries
of a certain Trust Agreement dated
JAN 15, 1993 and known as Trust No. 117628 at LA SALLE NATIONAL TRUST, N.A., to all provisions of
which Trust Agreement this LEASE is expressly made subject. It is expressly understood and agreed
that nothing herein or in said LEASE contained shall be construed as creating any liability
whatsoever against said Trustee personally, and in particular without limiting the generality of
the foregoing, there shall be no personal liability to pay any indebtedness accruing hereunder or
to perform any covenants, either express or implied, herein contained, or to keep, preserve or
sequester any property of said Trust, and that all personal liability of said Trustee of every
sort, if any, is hereby expressly waived by said Lessee, and that so far as said Trustee is
concerned the owner of any indebtedness or liability accepting hereunder shall look solely to the
premises hereby leased for the payment thereof. It is further understood and agreed that said
Trustee has no agents or employees and merely holds naked legal title to the property herein
described; that said Trustee has no control over, and under this LEASE assumes no responsibility
for (1) the management or control of such property, (2) the upkeep, inspection, maintenance or
repair of such property (3) the collection of rents or rental of such property, or (4) the conduct
of any business which is carried on upon such premises. Trustee does not warrant, indemnify, defend
title nor is it responsible for any environmental damage.

- 22 -

 

     IN WITNESS WHEREOF, Landlord and Tenant have executed this Lease the day and year first above
written.

	 	 	 	 	 	 	 	 	 
	 	 	 	 	TENANT:	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	 	 	ROYAL AMERICAN BANK, an Illinois

banking corporation	 	 
	 
	 	 	 	 	 	 	 	 
	 

	 	 	 	By:
	 	/s/ J.J. Fritz
 

	 	 
	 

	 	 	 	Its:
	 	President	 	 
	ATTEST:
/s/
[ILLEGIBLE]

	 	 	 	 	 	 	 	 
	Its:
EVP & Cashier 
	 	 	 	 	 	 	 	 
	 	 	 	 	LANDLORD:	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	 	 	LaSALLE NATIONAL TRUST, N.A., as

Trustee Under a Trust Agreement

dated January 15, 1993 and known

as Trust Number 117628	 	 
	 
	 	 	 	 	 	 	 	 
	 

	 	 	 	/s/
[ILLEGIBLE]

	 	 

- 23 -

 

RIDER NO. 1

ATTACHED TO AND MADE A PART OF LEASE CONTRACT
BETWEEN LaSALLE NATIONAL TRUST, N.A., AS TRUSTEE
UNDER A TRUST AGREEMENT DATED JANUARY 15, 1993
AND KNOWN AS TRUST NUMBER 117628, AS LANDLORD,
AND ROYAL AMERICAN BANK, AS TENANT,
DATED APRIL 1, 1993 FOR PREMISES AT
1604 COLONIAL PARKWAY, INVERNESS, COOK COUNTY, ILLINOIS

     1. RIGHT TO PROTEST TAXES

          Landlord
shall promptly notify Tenant of any increase in real estate assessments, tax rates
and/or real estate taxes, and Landlord shall diligently pursue the reduction of same. Tenant shall
pay its proportionate share of the cost of obtaining any tax reduction, provided that Tenant shall
not be obligated to pay an amount in excess of the tax savings realized by Tenant. In the event
that Landlord shall not seek such reduction, Tenant shall have the right in Landlord’s name to seek
such reduction, and Landlord agrees to render to Tenant all assistance reasonably necessary,
including joining in and signing any protest or pleading Tenant may deem advisable. Landlord
agrees that it shall pay the cost of seeking and/or obtaining a reduction upon receipt of an
invoice therefor, subject to Tenant’s obligation to contribute its proportionate share of such cost
as set forth above, provided that if Tenant obtains the reduction, Landlord shall not be obligated
to pay an amount in excess of the tax saving realized by Landlord.

     2. OPTION TO RENEW

          Provided Tenant has not committed an uncured Event of Default, Tenant shall have the option to
renew this Lease and lease the Leased Premises for two (2) five (5) year Extended Terms (each of
the Extended Terms are referred to as “Extended Term”) upon the same terms and conditions set forth
herein with the following exceptions:

          a. The Premises Rent to be paid by Tenant during the Base Year of each Extended Term shall
be Ninety Percent (90%) of the then prevailing market rent (“MARKET RENT”) for comparably improved
office, industrial, manufacturing, warehouse space in the northwest Cook County, Illinois market
area.

          b. If Landlord and Tenant cannot agree on the Market Rent, either Landlord or Tenant can, by
notice to the other, elect to use an appraisal procedure to determine the Market Rent. The party
requesting the appraisal process shall set forth in their notice the name of an independent
appraiser. The other party shall select the name of their independent appraiser within fifteen
(15) days thereafter. The two independent appraisers

- 24 -

 

shall then independently select a third independent appraiser. An independent appraiser is defined
as any real estate firm or individual engaged in the business of leasing office space in the
northwest Cook County area or an M.A.I. real estate appraiser doing business in the northern
Illinois area, which firm or person has not, within six (6) months previous thereto, had any
business dealings with the Landlord nor with the Tenant or its employees. The two appraisers
selected by Landlord and Tenant shall each be instructed to determine the then current Market Rent
for comparable office space in the northwest Cook County market area taking into consideration the
then existing improvements, age of the building and equipment and the amenities of Williamsburg
Village and immediately surrounding areas. The appraiser selected by the appraisers of Landlord and
Tenant shall then designate which of the two appraisals is the most accurate reflection of Market
Rent and Landlord and Tenant shall be bound to accept said determination. The cost of all the
three appraisers shall be divided equally between Landlord and Tenant.

          c. To exercise this renewal option, Tenant must give Landlord written notice at least two
hundred and ten (210) days prior to the end of the Term, or the Extended Term, as the case may be.

          d. Upon the exercise of this renewal option, the word Term as defined in this Lease shall
also apply to an Extended Term.

          e. All other terms and conditions of this Lease shall be in full force and effect during the
Extended Terms, including the obligation to pay Rent Adjustments as described in Section 4,
Paragraphs (a) through (f).

          f. This renewal option shall be exercised only as to all the Leased Premises leased by
Tenant at the time of the notice.

     3. RIGHT OF FIRST REFUSAL

          Landlord hereby grants to Tenant the right of first refusal to lease the Condominium Unit
commonly known as Suite 200 (the “Other Premises”) consisting of 2,625 square feet in the Building.
The parties hereto acknowledge that the Other Premises will be vacated on or about March 31, 1993
and that Tenant has no interest in leasing such space at this time. However, should Landlord
receive notice that the Other Premises will be vacated by the next tenant to take possession of the
Other Premises after the date hereof, Tenant shall be given the opportunity in writing to lease the
Other Premises at the then current Base Rent and for the balance of the Term applicable to the
Premises. Tenant will have thirty (30) days to respond in writing. Thereafter, if Landlord does
not receive written notice from Tenant, Landlord

- 25 -

 

will be released from its first refusal obligation to Tenant and Tenant shall have waived its right
under this Paragraph 3.

	 	 	 	 	 	 	 	 	 
	 	 	 	 	TENANT:	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	 	 	ROYAL AMERICAN BANK, an

Illinois banking corporation	 	 
	 
	 	 	 	 	 	 	 	 
	 

	 	 	 	By:

Its:
	 	/s/ J.J. Fritz
 

President
	 	 
	 
	 	 	 	 	 	 	 	 
	ATTEST:
/s/
[ILLEGIBLE]

	 	 	 	 	 	 	 	 
	Its:
EVP & Cashier
	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	 	 	LANDLORD:	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	 	 	LaSALLE NATIONAL TRUST, N.A.,

as Trustee Under a Trust

Agreement dated January 15,

1993 and known as Trust Number 117628	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	 	 	/s/ [ILLEGIBLE]

	 	 
	 	 	 	 	 	 	 

- 26 -

 

RIDER NO. 2

ATTACHED TO AND MADE A PART OF LEASE CONTRACT
BETWEEN LaSALLE NATIONAL TRUST, N.A., AS TRUSTEE
UNDER A TRUST AGREEMENT DATED JANUARY 15, 1993
AND KNOWN AS TRUST NUMBER 117628, AS LANDLORD,
AND ROYAL AMERICAN BANK, AS TENANT,
DATED APRIL 1, 1993 FOR PREMISES AT
1604 COLONIAL PARKWAY, INVERNESS, COOK COUNTY, ILLINOIS

          This Rider No. 2 and the Lease and Rider No. 1 documents to which it is attached shall be
deemed one instrument (the “Lease”) and the provisions of this Rider No. 2 shall supersede the
preceding provisions of this Lease to the extent inconsistent therewith.

     R-1: Landlord hereby represents and warrants that it owns fee simple title to the real estate
and improvements upon which the Premises are located and that it has full power and authority to
enter into this Lease and to grant to Tenant all the rights and powers of Tenant hereunder.

          Landlord also hereby leases and grants to Tenant access to the Premises through the common
areas of the Building in which the Premises are located and over the land upon which the same is
situated.

          The Premises also include the Landlords’ interest in the Common Elements referred to at
Section 1(a) of the Lease.

          Terms defined at Section 1 of this Lease shall, unless otherwise stated, have the same
meanings when used in this Rider No. 2.

     R-1(a): Landlord hereby represents and warrants to, and covenants with, Tenant as
follows:

          (a) That the copies of the Condominium Documents which have been furnished to Tenant are
complete and current as of the date hereof.

          (b) That Landlord will perform all obligations of Landlord as a member of the Association
and as the owner of the Condominium Unit in which the Premises are located, except to the extent
that such obligations are expressly assumed by Tenant pursuant to the other provisions of this
Lease.

          (c) That Landlord has obtained all consents and approvals required for the execution and
delivery of this Lease, and for the performance of Landlord’s obligations hereunder, to the extent
such approvals and consents are required pursuant to

- 27 -

 

any agreement by which Landlord or the property including the Premises is bound.

     R-1(b): Upon the request of Tenant, Landlord shall deliver such notices to and make
such demands upon, the Board of Managers (the “Board”) of the Association and/or the Association as
Tenant may request, and shall assign to Tenant Landlord’s right to enforce against the Board and/or
the Association the provisions of the Condominium Documents.

     R-4(c): Tenant shall have the right to review the annual computation of Direct Expenses. In
the event of any error in excess of 10%, Tenant’s costs in so doing shall be reimbursed by
Landlord.

     R-4(d): Notwithstanding anything to the contrary in Section 4(d), the following costs
and expenses shall not be included “Direct Expenses” for any purpose hereof:

          (a) Costs incurred in connection with the construction of the Building, including any
build-out or other improvement costs for any tenant spaces;

          (b) Costs of correcting construction defects not caused by Tenant;

          (c) Legal fees (other than those relating to the general operation of the Building or real
estate tax reduction matters), space planner’s fees, architectural fees (other than those relating
to the general operation of the Building), engineering fees other than those relating to the
general operation of the Building, real estate commissions, and marketing and advertising expenses
(other than those relating to programs for the benefit of substantially all tenants in the
building) incurred in connection with the development, leasing and construction of the Building or
any improvements on the Land;

          (d) Costs for which Landlord is reimbursed by condemnations proceeds, insurance, by its
carriers or any tenant’s carrier;

          (e) Costs associated with the operating of the business of the legal entity which constitutes
Landlord as the same is distinguished from the cost and operation of the Building, including legal
entity formation, internal entity accounting and legal matters;

          (f) Costs of defending any lawsuits with Mortgagee (except as the actions of Tenant may be
in issue);

- 28 -

 

          (g) Costs of selling, syndicating, financing, mortgage in or hypothecating any of the
Landlord’s interest in the Building or the other improvements located on the land;

          (h) Costs of disputes between Landlord and any third party not relating to the Building;

          (i) The costs associated with employees who do not devote the majority of their time to the
Building shall be prorated to the extent that such employees devote their time to the Building;

          (j) The cost of utility installation and tap-in charges;

          (k) Replacement or repair of the foundations, floors, walls, roofs and structural elements of
the Building or other buildings located on the Property outside the scope of routine maintenance
and repair;

          (l) Income or franchise taxes of Landlord; and

          (m) Costs
of services not rendered to or for the benefit of substantially all tenants.
Costs of services rendered solely to Tenant shall be charged and paid in its totality by Tenant.

     R-5: If any essential services to be supplied by Landlord are interrupted other than as the
result of the negligence or willful misconduct of Tenant, all rent (including rent adjustment)
shall abate from the fifth consecutive business day of the interruption until the services are
restored provided Tenant does not use the Premises. If such interruption shall exceed thirty (30)
consecutive days, Tenant may cancel this Lease upon notice thereof to Landlord.

     R-7: The Premises may be used for the purposes of carrying on a commercial banking operation,
mortgage banking operation, broker(dealer operation and all uses related or appurtenant thereto,
including without limitation the operation of a Cash Station or other automatic teller system, and
a night depository (night drop) as reflected in Exhibit C.

          If any provision now or hereafter contained in the aforesaid Condominium Documents or
Ordinance shall prohibit, restrict, or interfere with Tenant’s use of the Premises for the
aforesaid purposes, then Tenant may terminate this Lease upon no less than thirty (30) days’
written notice thereof to Landlord.

          Landlord shall not lease, or approve any sublease, of any other property owned by Landlord in
Williamsburg Village for any of the purposes referred to at the first paragraph of this

- 29 -

 

Section R-7.

     R-10(b): Whenever pursuant to the terms of this Lease the consent of Landlord is
required for anything done or sought to be done by Tenant, such consent shall not be unreasonably
withheld or delayed.

     R-12: The provisions of Section 12 shall not apply to an assignment or sublease to
Royal American Corporation, provided however that Tenant is a wholly-owned subsidiary of such
corporation.

          In the event of Landlord’s election to terminate this Lease pursuant to the provisions of
Section 12, Tenant may withdraw its request for Landlord’s consent to such assignment or
subletting, and Landlord’s election to terminate this Lease shall thereupon become null and void.

     R-13: Landlord hereby consents to the interior and/or exterior signs which are
specified at Exhibit D hereto, and agrees that same shall remain the property of Tenant at all
times and that Tenant may remove or replace same at any time or times during the term of this
Lease.

     R-14: The provisions of the first and third paragraphs of Section 14 shall not apply
to any claim, loss, theft, damage, injury or other matter arising out of or in connection with any
breach of Landlord’s obligations, or arising out of or in connection with the negligence of
Landlord, its agents, employees or contractors.

          In case any action or proceeding be brought against Tenant by reason of any obligation on
Landlord’s part to be performed under the terms of this Lease, or arising from any act or
negligence of Landlord, or of its agents or employees, Landlord, upon notice from Tenant, shall
defend the same at Landlord’s expense by counsel reasonably satisfactory to Landlord.

     R-27: All of the terms, provisions, covenants and conditions contained in this Lease,
including all of the respective obligations of Landlord and Tenant under this Lease, shall
constitute real covenants, running with the land, the Building and the Premises, and binding upon
said property and its owners and all others claiming any interest therein from time to time,
including the respective successors in interest and assigns of Landlord and Tenant, and inuring to
the benefit of the respective successors in interest and assigns of Landlord and Tenant.

     R-29: If Tenant, without fault, is made a party to any litigation instituted by or
against Landlord, Landlord shall indemnify Tenant against and shall protect, defend and save it

- 30 -

 

harmless from all costs and expenses, including reasonable attorneys’ fees, incurred by it in
connection therewith.

     R-32(d): Landlord’s rights under Section 32(d) shall be exercised only following
forty-eight (48) hours’ advance notice to Tenant except in the case of emergencies. In the
exercise of such rights, Landlord shall attempt not to interfere with Tenant’s operations on the
Premises.

     R-34(m): Each individual executing this Lease on behalf of Landlord represents and
warrants that he is duly authorized to execute and deliver this Lease on behalf of the Landlord in
accordance with duly adopted authorization of Landlord’s, and that this Lease is binding upon
Landlord in accordance with his terms.

	 	 	 	 	 	 	 	 	 
	 	 	 	 	TENANT:	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	 	 	ROYAL AMERICAN BANK, an

Illinois banking corporation	 	 
	 
	 	 	 	 	 	 	 	 
	 

	 	 	 	By:

Its:
	 	/s/ J. J. Fritz
 

President
	 	 
	 
	 	 	 	 	 	 	 	 
	ATTEST:
/s/
[ILLEGIBLE]

	 	 	 	 	 	 	 	 
	Its:
EVP & Cashier
	 	 	 	 	 	 	 	 
	 	 	 	 	LANDLORD:	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	 	 	LaSALLE NATIONAL TRUST, N.A.,

as Trustee Under a Trust

Agreement dated January 15,

1993 and known as Trust Number

117628	 	 
	 
	 	 	 	 	/s/
[ILLEGIBLE]
	 	 

- 31 -

 

FIRST AMENDMENT TO LEASE

     THIS FIRST AMENDMENT TO LEASE is hereby made and entered into on this 17th day of
February, 1997, by and between LaSALLE NATIONAL BANK, Successor Trustee To: LA SALLE NATIONAL TRUST, N.A., not individually, but under a
Trust Agreement dated January 15, 1993, and known as Trust Number 117628 (hereinafter referred to
as “Landlord”), and ROYAL AMERICAN BANK, an Illinois banking corporation (hereinafter referred to
as “Tenant”).

WITNESSETH:

     WHEREAS, by written lease dated April 1, 1993 (“Lease”), Landlord demised certain premises to
Tenant consisting of 5,125 square feet of the building located at 1604 Colonial Parkway, Inverness,
Illinois 60067.

     WHEREAS, Landlord and Tenant desire to amend the Lease in accordance with the terms, conditions and
provisions as hereinafter set forth.

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

     1. The first preamble paragraph of the Lease, is hereby amended by deleting said paragraph in its
entirety and inserting the following in lieu thereof:

          LaSALLE
NATIONAL BANK, Successor Trustee To:
LaSalle National Trust, N.A., as Trustee under a Trust Agreement dated January 15, 1993 and
known as Trust Number 117628, owner of the land and improvements located at 1604 Colonial Parkway,
Inverness, Illinois (“Landlord”), agrees to lease to Royal American Bank, an Illinois banking
corporation (“Tenant”), whose address is 1604 Colonial Parkway, Inverness, Illinois 60067, and
Tenant agrees to lease from Landlord, that certain office space within the “Condominium Unit” (as
hereafter defined) shown and designated on the plan attached hereto as Exhibit A — First Amendment,
commonly known as the entire building whose address is 1604 Colonial Parkway (the “Premises” or the
“Building”). The building is constructed on the property in the Village of Inverness, Cook County,
Illinois, which is legally described in Exhibit B — First Amendment, attached hereto, for a term
commencing on the 1st day of April, 1997, and ending on the 31st day of March, 2007, (the “Term”),
unless sooner terminated as provided herein, subject to the agreements herein contained.”

1

 

     2. The first paragraph of Paragraph 3(a) of the Lease, is hereby amended by deleting
therefrom the first paragraph of Paragraph 3(a) in its entirety and inserting the following in
lieu thereof:

          “(a) Subject to adjustments as described in Paragraph 4(e), herein as amended, tenant agrees to pay
Landlord a monthly rental (the “Base Rent”) for the Premises during the full Term aforesaid the sum
of $9,822.92 in advance on the first day of the first full calendar month of the Term hereof and a
like sum on or before the first day of each and every successive calendar month of the Term hereof
and a like sum on or before the first day of each and every successive calendar month thereafter
during the Term hereof. In the event the Term of this Lease commences on other than the first day
of the month, there shall be paid on the commencement date, a pro rata portion of the Base Rent
based on the number of days remaining in such month, and subsequent monthly payments shall be paid
as directed in this Paragraph 3(a).”

     Paragraph 3(b) of the Lease is hereby deleted in its entirety. The former security deposit will be
deducted from the monthly rental due April 1, 1997.

     3. Paragraph 4(a) and the first and third paragraphs of Paragraph 4(c) of the Lease are
hereby amended by deleting therefrom Paragraph 4(a) and the first and third paragraphs of Paragraph
4(c) in their entirety and inserting the following Paragraph 4 preamble and Paragraph 4(a) and the
first paragraph of Paragraph 4(c) in lieu thereof:

          “4. RENT ADJUSTMENT Landlord and Tenant agree that the following rent adjustments shall be
made with respect to each calendar year of the Term, or portion thereof, after the Base Year (which
term “Base Year” shall mean the calendar year in which this Lease commences, during which year the
general real estate taxes for the preceding calendar year are billed):

          (a) If “Real Estate Taxes” (as defined in Paragraph 4(b) for any calendar year of the Term
(including the calendar year in which this Lease terminates) after the Base Year shall exceed Real
Estate Taxes for the Base Year, Tenant shall pay to Landlord as additional rent, an amount equal to
the amount by which the Real Estate Taxes for such calendar year exceed the Real Estate Taxes for
the Base Year.

          (c) If “Direct Expenses” (as defined on Paragraph 4(d) paid or incurred for any calendar year of
the Term (including the calendar year in which this Lease terminates) after the Base Year shall
exceed Direct Expenses for the Base Year, Tenant shall pay to Landlord as additional rent an amount
equal to the amount by which the Direct Expenses for such calendar year exceed the Direct Expenses
for the Base Year.”

2

 

     4. The first paragraph of Paragraph 4(e) of the Lease is hereby amended by deleting
therefrom the first paragraph of Paragraph 4(e) in its entirety and inserting the following in lieu
thereof:

          “(e) In the event that the Consumer Price Index for 1997 (the “Base Year” shall be less than the
Consumer Price Index for any Comparison Year (the term “Comparison Year” shall mean each calendar
year after the Base Year through and including the calendar year in which the term expires). Tenant
shall pay Landlord upon demand, as additional rent for each such Comparison Year, $70,000.00
multiplied by the percentage increase by which the Consumer Price Index in such comparison Year
exceeds the Consumer Price Index for the base Year. Notwithstanding anything stated herein, the
annual increase in additional rent calculated pursuant to this Paragraph 4(e), shall not exceed 3%.
For the purposes of this Lease, as amended by this First Amendment to Lease, the term “Consumer
Price Index” shall mean the Consumer Price Index United States All Items for all Urban Consumers
published by the Bureau of Labor Statistics of the Department of
Labor (Base Year — 1984). The
Consumer Price Index for the Base Year or any Comparison Year shall be determined by averaging the
monthly indexes for that year.”

     5. The second paragraph of Paragraph 5 of the Lease, is hereby amended by deleting
therefrom the second paragraph of Paragraph 5 in its entirety and inserting the following in lieu
thereof:

          “Tenant and its employees and visitors may use all of that outdoor parking area adjacent to the
Building, subject to such reasonable rules and regulations as from time to time may be imposed by
the Landlord and the Board.”

     6. Paragraph 10(a) of the Lease, is hereby amended by deleting therefrom Paragraph 10(a) in
its entirety and inserting the following in lieu thereof:

          “(a) Subject to the provisions of Paragraph 15, and Paragraph 4(c), and except for damage caused by
any negligent or intentional act or omission of Tenant, Tenant’s agents, employees or invitees,
Landlord, as a “Direct Expense”, shall keep or cause the Board to keep in good order, condition and
repair the foundation, exterior and interior walls, interior supporting columns and the exterior
roof of the Premises. Tenant, at Tenant’s expense shall also keep and maintain the Building and the
Premises and every part thereof and any fixtures, facilities or equipment contained therein in good
order, condition and repair, including, but not limited to, the heating and air conditioning,
electrical, plumbing and sewer systems. Neither the Board nor Landlord shall be obligated to paint
the interior of the Premises. Neither the Board nor Landlord shall be obligated to make repairs
under this Paragraph 10(a) until a reasonable time after receipt of written notice of the need for
such repairs. Notwithstanding anything stated herein, Landlord and Tenant shall divide equally the
cost of replacement of any major components of the building’s heating and air conditioning
systems.”

3

 

     7. The first paragraph of Paragraph 2 of Rider No. 1, attached to the Lease is hereby
amended by deleting therefrom the first paragraph of Paragraph 2 of Rider No. 1, attached to the
Lease in its entirety and inserting the following in lieu thereof:

          “Provided Tenant has not committed an uncured Event of default, upon the termination of the Term
(March 31, 2007), Tenant shall have the option to renew this Lease and lease the Leased Premises
for two (2) successive five (5) year Extended terms (each of the Extended Terms are referred to as
“Extended Term”) upon the same terms and conditions set forth herein with the following
exceptions:”

     8. Paragraph 3 of Rider No. 1, attached to the Lease is hereby amended by deleting
therefrom Paragraph 3 of Rider No. 1 in its entirety and inserting the following in lieu thereof:

          “3. LEASE BUYOUT PROVISION Tenant will be allowed to terminate its obligation under this
First Amendment to Lease on March 31, 2004 by:

          (a) Notifying Landlord in writing no later than March 31, 2003 of its intention to terminate
lease on March 31, 2004;

          (b) Making a single payment to Landlord no later than March 31, 2003 in an amount equal to
all payments made to Landlord in calendar year 2002 under Paragraphs 4(a), 4(c), and 4(e) of this
First Amendment to lease;

          (c) Continuing to pay to Landlord until March 31, 2004 all monthly payments due under
Paragraphs 4(a), 4(c) and 4(e) of this First Amendment to Lease.”

     9. Exhibit A of the Lease is hereby amended by deleting said Exhibit A in its entirety and
inserting Exhibit A — First Amendment in lieu thereof.

     10. Exhibit B
of the Lease is hereby amended by redesignating said Exhibit B as Exhibit B — First Amendment.

     11. Exhibit E of the Lease is hereby amended by deleting said Exhibit E in its entirety and
reserving said Exhibit E for future use.

     12. All of the remaining terms and conditions of the Lease shall remain in full force and
effect.

     13. This First Amendment to Lease shall be effective as of April 1, 1997.

     14. This
First Amendment to Lease is executed by [ILLEGIBLE] LA SALLE NATIONAL TRUST, N.A., not
personally, but as Trustee aforesaid, in the exercise of the power and

4

 

authority conferred upon and vested in it as such Trustee, and under the express direction of the
beneficiary of a certain Trust Agreement dated January 15, 1993, and known as Trust Number 117628,
to all provisions of which Trust Agreement this First Amendment to Lease is expressly made subject.
It is expressly understood and agreed that nothing contained in this First Amendment to Lease shall
be construed as creating any liability whatsoever against said Trustee, and in particular without
limiting the generality of the foregoing, there shall be no personal liability to pay any
indebtedness accruing hereunder or to perform any covenant, either express or implied, herein
contained, to keep, preserve or sequester any property of said Trust, and that all personal
liability of said Trustee of every sort, if any, is hereby expressly waived by Tenant, and by every
person now or hereafter claiming any right or security hereunder; and that so far as the parties
hereto are concerned the owner of any indebtedness or liability accruing thereunder shall look
solely to the Trust Estate from time to time subject to the provisions of said Trust Agreement for
the payment thereof. It is further understood and agreed that the said Trustee has no agents or
employees and merely holds naked legal title to the property herein described and has no control
over the management thereof or the income therefrom.

     IN WITNESS WHEREOF, Landlord and Tenant have executed this First Amendment to Lease through their
respective authorized officers as of the day and year first above written.

	 	 	 	 	 	 	 
	 	 	LANDLORD:	 	 
	 
	 	 	 	 	 	 
	 	 	[ILLEGIBLE]
	 	 
	 
	 	 	LA SALLE NATIONAL TRUST,

N. A., not individually, but as

Trustee of its Trust Number

117628 dated January 15, 1993	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Its:
	 	/s/ [ILLEGIBLE]
 

 SR. VICE PRESIDENT
	 	 
	 
	 	 	 	 	 	 
	 	 	TENANT:	 	 
	 
	 	 	 	 	 	 
	 	 	ROYAL AMERICAN BANK, an

Illinois banking corporation	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Its:
	 	/s/ J. J. Fritz
 

President
	 	 
	ATTEST:
/s/ [ILLEGIBLE]
	 	 	 	 	 	 
	Its:
Secretary
	 	 	 	 	 	 

5exv10w33

 

Exhibit 10.33

HAMILTON

PARTNERS 

REAL ESTATE INVESTMENT

OFFICE LEASE AGREEMENT

 

 

TABLE OF CONTENTS

	 	 	 	 	 	 	 
	PARAGRAPH	 	PAGE
	1.

	 	Premises and Term
	 	 	1	 
	2.

	 	Base Rent and Security Deposit
	 	 	1	 
	3.

	 	Taxes
	 	 	2	 
	4.

	 	Electric Service
	 	 	2	 
	5.

	 	Alterations
	 	 	2	 
	6.

	 	Service
	 	 	2	 
	7.

	 	Use of Premises
	 	 	3	 
	8.

	 	Inspections
	 	 	3	 
	9.

	 	Assignment and Subletting
	 	 	3	 
	10.

	 	Fire and Casualty Damage
	 	 	4	 
	11.

	 	Liability
	 	 	4	 
	12.

	 	Condemnation
	 	 	5	 
	13.

	 	Holding Over
	 	 	5	 
	14.

	 	Quiet Enjoyment
	 	 	5	 
	15.

	 	Events of Default
	 	 	5	 
	16.

	 	Remedies
	 	 	5	 
	17.

	 	Landlord’s Lien
	 	 	7	 
	18.

	 	Mortgages
	 	 	7	 
	19.

	 	Landlord’s Liability
	 	 	7	 
	20.

	 	Mechanic’s and Other Liens
	 	 	7	 
	21.

	 	Notices
	 	 	7	 
	22.

	 	Miscellaneous
	 	 	7	 
	23.

	 	Substitution of Premises
	 	 	8	 
	24.

	 	Certain Rights Reserved To The Landlord
	 	 	8	 
	25.

	 	Exculpation
	 	 	9	 
	26.

	 	Operating Cost Escalation
	 	 	9	 
	27.

	 	Consumer Price Escalation
	 	 	9	 
	28.

	 	Special Provisions
	 	 	10	 
	    Exhibit A— Floor Plan	 	 	 	 
	    Exhibit B — Legal Description	 	 	 	 
	    Exhibit C— Work Letter	 	 	 	 
	    Exhibit D — Rules and Regulations	 	 	 	 

 

 

	 	 	 	 	 
	STANDARD OFFICE LEASE	 	Prepared on:
March 12, 1993
	L8/.87
	 	 	 	 
	 

	 	By:
	 	Michael J. Rolfs — Hamilton Partners, Inc.
	 

	 	 	 	1000 Tower Lane, Suite # 125
	 

	 	 	 	Bensenville, Illinois

LEASE AGREEMENT

     THIS LEASE AGREEMENT made and entered into between Bensenville Office Venture, an Illinois Partnership, as
sole beneficiary of LaSalle National Bank as trustee under Trust
Agreement # 104715 dated February 18, 1982
(“Landlord”) and Royal American Bank (“Tenant”).

WITNESSETH:

1. Premises and Term.

     In consideration of the obligation of Tenant to pay rent as herein provided, and in
consideration of the other terms, provisions, and covenants hereof, Landlord hereby demises and
leases to Tenant, and Tenant hereby accepts and leases from Landlord,
the following described space, to wit: Suite 125 located on the 1st floor
consisting of approximately 1,568
square feet as shown and outlined in red on the plan attached hereto as Exhibit A (the
“leased premises”) which is located in
the building commonly known as 1000 Tower Lane
(the “Building”), situated on the real property described in Exhibit B attached hereto (the
“Property”) which is part of a
development in Bensenville Illinois (the “Development”). The leased premises shall be used for the following
purposes and no others: Banking / Lending Institution.

     TO HAVE AND TO HOLD the same for a term of Sixty (60) months
commencing on April 1, 1993 and ending March 31, 1998 unless terminated or
extended pursuant to any provision hereof. Tenant acknowledges that no representations as to the
repair of the leased premises, nor promises to alter, remodel or improve the leased premises
have been made by Landlord, unless such are expressly set forth in this lease.

     If this lease is executed before the leased premises become vacant or otherwise available
and ready for occupancy, or if any present tenant or occupant of the leased premises holds over,
and Landlord cannot, using good faith efforts, acquire possession of the leased premises prior
to the date above recited as the commencement date of this lease. Landlord shall not be deemed
to be in default, nor in any way liable to Tenant because of such failure, and Tenant agrees to
accept possession of the leased premises at such time as Landlord is able to tender the same,
which date shall thenceforth be deemed the “commencement date”; and the term of this lease shall
automatically be extended so as to include the full number of months
hereinbefore provided, except that if the commencement date is other than the first day of a calendar month, such term
shall also be extended for the remainder of the calendar month in which possession is tendered.
Landlord hereby waives payment of rent (including such portion of the additional rent which is
related to Tenant’s use and occupancy of the leased premises) covering any period prior to such
tendering of possession.

     In the event that Tenant’s possession is delayed because Landlord has not sufficiently
completed the Building or the leased premises, the commencement date shall be the date upon
which the Building, other improvements on the Property and the leased premises have been
substantially completed in accordance with the plans and specifications of Landlord (other than
any work which cannot be completed on such date provided such incompletion will not
substantially interfere with Tenant’s use of the leased premises): provided, however, that if
Landlord shall be delayed in such substantial completion as a result of: (i) Tenant’s failure to
agree to plans and specifications; (ii) Tenant’s request for materials, finishes or
installations other than Landlord’s standard; (iii) Tenant’s changes in plans; or (iv) the
performance or completion by a party employed by Tenant, the commencement date and the payment
of rent hereunder shall be accelerated by the number of days of such delay. Landlord shall
notify Tenant in writing as soon as Landlord deems the Building, other improvements, and the
leased premises to be completed and ready for occupancy as aforesaid. In the event that the
Building, other improvements, or the leased premises have not in fact been substantially
completed as aforesaid. Tenant shall notify Landlord in writing of its objections within five
(5) days after Tenant receives the aforesaid notice from Landlord. Landlord shall have
reasonable time after delivery of such notice in which to take such corrective action as
Landlord deems necessary and shall notify Tenant in writing as soon as it deems such corrective
action, if any, has been completed so that the Building, other improvements, and the leased
premises are completed and ready for occupancy.

     The taking of possession by Tenant shall be deemed conclusively to establish that the
Building, other improvements, and the leased premises have been completed in accordance with
the plans and specifications and are in good and satisfactory condition as of when possession
was so taken (except for such items as Landlord is permitted to complete at a later date, which
items shall be specified by Landlord to Tenant in writing). Upon such “commencement date”
Tenant shall execute and deliver to Landlord a letter of acceptance of delivery of the leased
premises, such letter to be on Landlord’s standard form therefor. In the event of any dispute
as to when and whether the work performed or required to be performed by Landlord has been
substantially completed, the certificate of an A.I.A. registered architect or a temporary or
final certificate of occupancy issued by the local governmental authority shall be conclusive
evidence of such completion, effective on the date of the delivery of a copy of any such
certificate to Tenant.

2. Base Rent and Security Deposit.

     A. Tenant agrees to pay to Landlord for the leased premises in lawful money of the United
States base rent for the entire term hereof at the rate of Two
Thousand Ninety Dollars and 67/100 DOLLARS ($ 2,090.67 ) per month, in advance, except that
the monthly installment which otherwise shall be due on the commencement date recited above,
shall be due and payable on the date hereof. Thereafter one such monthly installment shall be
due and payable without demand on or before the first day of each calendar month succeeding the
commencement date; further provided, that the rental payment for any fractional calendar month
at the commencement or end of the lease term shall be prorated.

	 	 	 	 	 
	 

	 	Landlord:
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	 	Tenant:
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3. Taxes.

     A. Landlord agrees to pay all general and special taxes, assessments and governmental
charges of any kind and nature
whatsoever (collectively “taxes”) lawfully levied against the Property, the Building, and the
grounds, parking areas, driveways
and alleys around the Building. If for any real estate tax year applicable to the term hereof
(or any extension of such term), such
taxes levied for such tax year shall exceed the sum of Ninety Six Thousand Nine Hundred
Ninety Two Dollars and 00/100 DOLLARS ($ 96,992.00 ) (“Landlord’s share”). Tenant shall
pay to Landlord as additional rent upon demand at the time the bill for such tax year issues. Its
proportionate share of the amount of such excess applicable to each installment less any monthly
payments paid by Tenant as provided below for such tax year. In addition. Tenant shall pay upon
demand its proportionate share of any contingent fees, expenses and costs incurred by Landlord in
protesting any assessments, levies or the tax rate.

     B. During December of each year or as soon thereafter as practicable, Landlord shall give
Tenant written notice of its estimate
of amounts payable under subparagraph A above for the ensuing calendar year. On or before
the first day of each month
thereafter. Tenant shall pay to Landlord as additional rent one-twelfth (1/12th) of such
estimated amounts, provided that if such
notice is not given in December. Tenant shall continue to pay on the basis of the prior
year’s estimate until the first day of the
month after the month in which such notice is given. If at any time it appears to Landlord
that the amounts payable under
subparagraph A above for the then current calendar year will vary from its estimate by more
than five percent (5%). Landlord
may by written notice to Tenant, revise its estimate for such year, and subsequent payments
by Tenant for such year shall be
based upon such, revised estimate.

     Within ninety (90) days after the close of each calendar year or as soon thereafter as
practicable. Landlord shall deliver to Tenant a statement showing the taxes under subparagraph A
above and Tenant’s proportionate share thereof. If such statement shows an amount due from Tenant
that is less than the estimated payments previously paid by Tenant, it shall be accompanied by a
refund of the excess to Tenant. If such statement shows an amount due from Tenant that is more
than the estimated payments previously paid by Tenant, Tenant shall pay the deficiency to
Landlord, as additional rent, within thirty (30) days after delivery of the statement.

     C. If at any time during the term of this lease, the present method of taxation shall be
changed so that in lieu of or in addition
to the whole or any part of any taxes, assessments or governmental charges levied, assessed or
imposed on real estate and the
improvements thereon, there shall be levied, assessed or imposed on Landlord a capital levy
or other tax directly on the rents
received therefrom and /or a franchise tax, assessment, levy or charge measured by or based,
in whole or in part, upon such
rents for the present or any future building on the Property, then all such taxes,
assessments, levies or charges, or the part thereof
so measured or based, shall be deemed to be included within the term “taxes” for the purposes
hereof.

     D. Any payment to be made pursuant to this Paragraph 3 with respect to the real estate tax
year in which this lease commences
or terminates shall be prorated.

4. Electric Service.

     To the extent Tenant is not billed directly by a public utility, Tenant shall pay, upon
demand, as additional rent, for all electricity used by Tenant in the leased premises for
lighting, convenience outlets, and other direct uses. The charge shall be based upon metered use
and shall be at the rates charged for such services by the local public authority or utility.
Tenant shall furnish, at its own expense, all electric light bulbs, tubes and ballasts. Tenant
will not without the written consent of Landlord use any apparatus or device in the leased
premises which will in any way increase its usage beyond the amount of electricity which Landlord
determines to be reasonable for use of the leased premises as general office space, nor connect
with electric current (except through existing electrical outlets in the leased premises) any
apparatus or device for the purpose of using electric current. If Tenant shall require electric
current in excess of that which is reasonably obtainable from existing electric outlets and normal
for use of the leased premises as general office space, then Tenant shall first procure the
consent of Landlord (which consent will not be unreasonably withheld). Tenant shall pay all costs
of installation of all facilities necessary to furnishing such excess capacity and for such
increased electricity usage.

     Interruptions of any service shall not be deemed an eviction or disturbance of Tenant’s use
and possession of the leased premises or any part thereof, or render Landlord liable for damages
by abatement of rent or otherwise or relieve Tenant from performance of Tenant’s obligations under
this lease.

5. Alterations.

     Landlord agrees to install at Landlord’s cost and expense the building standard
improvements as described in Exhibit C attached hereto. All other improvements to the
leased premises shall be installed at the cost and expense of Tenant (which cost shall be payable
on demand by Landlord as additional rent), but only in accordance with plans and specifications
which have been previously submitted to and approved in writing by Landlord, and only by Landlord
or by contractors and subcontractors approved in writing by Landlord (which approval shall not be
unreasonably withheld). In connection with any request for an
approval of alterations by Tenant,
Landlord may retain the services of an architect and/or engineer and Tenant shall reimburse
Landlord for the reasonable fees of such architect and/or engineer. All alterations, additions,
improvements and partitions erected by Tenant shall be and remain the properly of Tenant during
the term of this lease and Tenant shall, unless Landlord otherwise elects as hereinafter provided,
remove all alterations, improvements and partitions erected by Tenant and restore the leased
premises to its original condition by the date of termination of this lease or upon earlier
vacating of the leased premises; provided, however, that, if at such time Landlord so elects, such
alterations, additions, improvements and partitions shall become the property of Landlord as of
the date of termination of this lease or upon earlier vacating of the leased premises and title
shall pass to Landlord under this lease as by a bill of sale. All such removals and restoration
shall be accomplished in a good workmanlike manner by contractors approved in writing by Landlord
so as not to damage the primary structure or structural qualities of the Building. All
alterations, additions or improvements proposed by Tenant shall be constructed in accordance with
all governmental laws, ordinances, rules and regulations and Tenant shall, prior to construction,
provide such assurances to Landlord, including but not limited to, waivers of lien, surety company
performance bonds and personal guaranties of individuals of substance, as Landlord shall require
to assure payment of the costs thereof and to protect Landlord against any loss from any
mechanics’ laborers’ materialmen’s or other liens.

6. Service.

     A. In buildings of two or more stories Landlord agrees to furnish Tenant, while
occupying the leased premises, water, hot, cold
and refrigerated at those points of supply provided for general use of tenants; heated and
refrigerated air conditioning in season
at such times as Landlord normally furnishes these services to all tenants of the Building,
and at such temperatures and in such
amounts as are in accordance with any applicable statutes, rules or regulations and are
considered by Landlord to be standard,
such service at other times and on Saturday, Sunday, and holidays to be optional on the part
of Landlord (Landlord hereby
reserves the right to charge Tenant for any such optional service requested by Tenant on such
basis as Landlord, in its sole
discretion, determines); janitor service to the leased premises on weekdays other than
holidays and such window washing as
may from time to time in the Landlord’s judgment be reasonably required; operatorless
passenger elevators for ingress and egress
to the floor on which the leased premises are located, provided Landlord may reasonably limit
the number of elevators to be in
operation on Saturdays, Sundays, and holidays; but failure to any extent to furnish or any
stoppage or interruption of these
defined services, resulting from any cause, shall not render Landlord liable in any respect
for damages to any person, property,
or business, nor be construed as an eviction of Tenant or work an abatement of rent, nor
relieve Tenant from fulfillment of any
covenant or agreement hereof. Should any equipment or machinery furnished by Landlord cease
to function properly. Landlord
shall use reasonable diligence to repair the same promptly, but Tenant shall have no claim
(or rebate of rent or damages on
account of any interruptions in service occasioned thereby or resulting therefrom. Whenever
heat generating machines or
equipment are used by Tenant in the leased premises which affect the temperature otherwise
maintained by the all conditioning
equipment. Landlord reserves the right to install supplementary air conditioning units in the
leased premises (or for the use of the
leased premises) and the expense of such purchase, installation, maintenance, and repair
shall be paid by Tenant upon demand
as additional rent.

	 	 	 	 	 
	 

	 	Landlord:
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	 	Tenant:
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     B. In buildings of one story without interior common public areas. Landlord agrees to
provide, at its cost, water, electricity and telephone service connections into the leased
premises; but Tenant shall pay for all water, gas, heat, light, power, telephone. sewer,
sprinkler system charges and other utilities and services used on or from the leased premises,
including without limitation. Tenant’s proportionate share as determined by Landlord of any
central station signaling system installed in the premises or the building of which the premises
are a part, together with any taxes, penalties and surcharges or the like pertaining thereto and
any maintenance charges for utilities. Tenant shall furnish all electric light bulbs, tubes and
ballasts. If any such services are not separately metered to Tenant, Tenant shall pay such
proportion of all charges jointly metered with other premises as determined by Landlord, in its
sole discretion, to be reasonable. Any such charges paid by Landlord and assessed against Tenant
shall be immediately payable to Landlord on demand and shall be additional rent hereunder.
Landlord shall in no event be liable for any interruption or failure of utility services on or to
the leased premises. These costs, paid by Tenant, shall be excluded from amounts billed to Tenant
pursuant to Paragraph 26.

     C. In single story buildings with heat, ventilating and air conditioning systems servicing
individual tenants. Tenant shall, at its
own cost and expense, enter into a regularly scheduled preventive maintenance /service
contract with a maintenance contractor
approved by Landlord, for servicing all heating and air conditioning systems and equipment
servicing the leased premises. The
service contract must include all services suggested by the equipment manufacturer within
the operation/maintenance manual
and must become effective within thirty (30) days of the date Tenant takes possession of
the leased premises. If there is a
common interior public area with its own HVAC system, the costs to operate and maintain
that system plus general maintenance
of the common area will be included as part of the cost covered by Paragraph 26.

     D. Tenants in single and multi-story buildings shall not provide any janitorial services
without Landlord’s written consent and
then only subject to supervision of Landlord and by a janitorial contractor or employees at
all times satisfactory to Landlord. Any
such services provided by Tenant shall be Tenant’s sole risk and responsibility.

7. Use of Premises.

     A. Tenant will not occupy or use. nor permit any portion of leased premises to be occupied
or used, for any business or
purpose other than that described above or for any use or purpose which is unlawful in part
or in whole or deemed to be
disreputable in any manner, or extra hazardous on account of fire, nor permit anything to be
done which will render void or in
any way increase the rate of fire insurance on the Building or its contents, and Tenant,
shall immediately cease and desist from
such use, paying all costs and expenses resulting therefrom.

     B. Tenant shall at its own cost and expense promptly obtain any and all licenses and permits
necessary for any permitted use.
Tenant shall comply with all governmental laws, ordinances and regulations applicable to the
use and its occupancy of the leased
premises, and shall promptly comply with all governmental orders and directives for the
correction, prevention and abatement of
any violations or nuisances in or upon, or connected with, the leased premises, all at
Tenant’s sole expense. If, as a result of
any change in the governmental laws, ordinances, and regulations, the leased premises must
be altered to lawfully accommodate
Tenant’s use and occupancy, such alterations shall be made only with the consent of
Landlord, but the entire cost shall be borne
by Tenant; provided, that, the necessity of Landlord’s consent shall in no way create any
liability against Landlord for failure of
Tenant to comply with such laws, ordinances and regulations.

     C. Tenant will maintain the leased premises (including all fixtures installed by Tenant,
water heaters within the leased premises
and plate glass) in good repair, reasonable wear and tear excepted, and in a clean and
healthful condition, and comply with all
laws, ordinances, orders, rules, and regulations (state, federal, municipal, and other
agencies or bodies having any jurisdiction
thereof) with reference to condition, or occupancy of the leased premises. Any repairs or
replacements shall be with materials
and workmanship of the same character, kind and quality as the
original. Tenant will not, without the prior written consent of
Landlord, paint, install lighting or decorations, or install any signs, window or door
lettering or advertising media of any type on
or about the leased premises.

     D. Tenant will conduct his business and control his agents, employees and invitees in such a
manner as not to create any
nuisance, nor Interfere with, annoy, or disturb other tenants or Landlord in the management
of the Building.

     E. Tenant shall pay upon demand as additional rent the full cost of repairing any damage to
the leased premises, Building or
related facilities resulting from and/or caused in whole or in part by the negligence or
misconduct of Tenant, its agents, servants,
employees, patrons, customers, or any other person entering upon the Development as a result
of Tenant’s business activities or
resulting from Tenant’s default hereunder.

     F. Tenant and Tenant’s agents, employees, and invitees will comply fully with all rules and
regulations of the Development, the Building, parking area and related facilities which are described in Exhibit D
attached hereto. Landlord shall at all times have
the right to change such rules and regulations or to promulgate other rules and regulations
in such reasonable manner as may
be deemed advisable for the safety, care, and cleanliness of the Building or the Development
and for the preservation of good
order therein. Copies of all rules and regulations, changes, and amendments will be
forwarded to Tenant in writing and shall be
carried out and observed by Tenant. Tenant shall further be responsible for the compliance
with such rules and regulations by
Tenant’s employees, servants, agents and visitors.

     G. At termination of this lease, upon its expiration or otherwise, Tenant shall deliver up
the leased premises with all improvements
located thereon (except as herein provided) in good repair and condition, reasonable wear
and tear excepted, broom clean and
free of all debris.

8. Inspections.

     Landlord shall have the right to enter the leased premises at any reasonable time,
for the following purposes: (i) to ascertain the condition of the leased premises; (ii) to
determine whether Tenant is diligently fulfilling Tenant’s responsibilities under this lease;
(iii) to clean and to make such repairs as may be required or permitted to be made by Landlord
under the terms of this lease; or (iv) to do any other act or thing which Landlord deems
reasonable to preserve the leased premises and the Building. During the six (6) months prior to
the end of the term hereof and at any time Tenant is in default hereunder, Landlord shall have
the right to enter the leased premises at any reasonable time during business hours for the
purpose of showing the premises. Tenant shall give written notice to Landlord at least thirty
(30) days prior to vacating and shall arrange to meet with Landlord for a joint inspection of
the leased premises. In the event of Tenant’s failure to give such notice or arrange such joint
inspection. Landlord’s inspection at or after Tenant’s vacating the leased premises shall be
conclusively deemed correct for purposes of determining Tenant’s responsibility for repairs and
restoration.

9. Assignment and Subletting.

     A. Tenant shall not have the right to assign or pledge this lease or to sublet the whole or
any part of the leased premises,
whether voluntarily or by operation of law, or permit the use or occupancy of the leased
premises by anyone other than Tenant,
without the prior written consent of Landlord, and such restrictions shall be binding upon
any assignee or subtenant to which
Landlord has consented. In the event Tenant desires to sublet the leased premises, or any
portion thereof, or assign this lease.
Tenant shall give written notice thereof to Landlord within a reasonable time prior to the
proposed commencement date of such
subletting or assignment, which notice shall set forth the name of the proposed subtenant
or assignee, the relevant terms of any
sublease and copies of financial reports and other relevant financial information of the
proposed subtenant or assignee. In no
event may Tenant sublet, nor will Landlord consent to any sublease of, all or any portion
of the leased premises if the rent is
determined in whole or in part based upon the income or profits derived by the sublessee
(other than a rent based on a fixed
percentage or percentages of receipts or sales). Notwithstanding any permitted assignment
or subletting. Tenant shall at all times
remain directly, primarily and fully responsible and liable for the payment of the rent
herein specified and for compliance with all
of its other obligations under the terms, provisions and covenants of his lease. Upon the
occurrence of an “event of default” (as
hereinafter defined), if the leased premises or any part thereof are then assigned or
sublet. Landlord, in addition to any other
remedies herein provided or provided by law, may, at its option, collect directly from such
assignee or subtenant all rents due
and becoming due to Tenant under such assignment or sublease and apply such rent against
any sums due to Landlord from
Tenant hereunder, and no such collection shall be construed to constitute a novation or a
release of Tenant from the further
performance of Tenant’s obligations hereunder. Tenant shall pay to Landlord, on demand, a
reasonable service charge for the
processing of the application for the consent and for the preparation of the consent. Such
service charge shall be collectible by
Landlord only where consent is granted by Landlord.

	 	 	 	 	 
	 

	 	Landlord:
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	 	Tenant:
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     B.
In addition to, but not in limitation of, Landlord’s right to approve of any subtenant or
assignee, Landlord shall have the option, in its sole discretion, in the event of any proposed
subletting or assignment, to terminate this lease, or in the case of a proposed subletting of less
than the entire leased premises, to recapture the portion of the leased premises to be sublet, as
of the date the subletting or assignment is to be effective. The option shall be exercised, if at
all, by Landlord giving Tenant written notice thereof within sixty (60) days following Landlord’s
receipt of Tenant’s written notice as required above. If this lease shall be terminated with
respect to the entire leased premises pursuant to this paragraph, the term of this lease shall end
on the date stated in Tenant’s notice as the effective date of the sublease or assignment as if
that date had been originally fixed in this lease for the expiration of the term hereof. If
Landlord recaptures under this paragraph only a portion of the leased premises, the rent during the
unexpired term shall abate proportionately based on the rent contained in this lease as of the date
immediately prior to such recapture. Tenant shall, at Tenant’s own cost and expense, discharge in
full any outstanding commission obligation on the part of Landlord with respect to this lease, and
any commissions which may be due and owing as a result of any proposed assignment or subletting,
whether or not the leased premises are recaptured pursuant hereto and rented by Landlord to the
proposed tenant or any other tenant. In the event of the recapture of a portion of the leased
premises by Landlord pursuant to the terms of this paragraph. Tenant shall pay all costs associated
with the separation of the recaptured premises from the portion not recaptured, including, but
without limitation, the cost of all demising partitions, changes in lighting and HVAC distribution
systems and all reasonable architectural and/or engineering fees.

     C. Any assignment or subletting by Tenant pursuant to subparagraph 9A of all or any portion
of the leased premises, or termination of the lease for a portion of the leased premises pursuant
to subparagraph 9B, shall automatically operate to terminate each and every right, option, or
election, if any exist, belonging to Tenant, including by way of illustration, but not
limitation, any option to expand its premises or to extend or renew the term of Tenant’s lease
for all or any portion of the leased premises—i.e. such rights and options shall cease as to both
space sublet or assigned and as to any portion of the original leased premises retained by
Tenant.

10. Fire and Casualty Damage.

     A. If the Building, improvements, or leased premises are rendered partially or wholly
untenantable by fire or other casualty,
and if such damage cannot, in Landlord’s reasonable estimation, be materially restored within
ninety (90) days of such damage,
then Landlord may, at its sole option, terminate this lease as of the date of such fire or
casualty. Landlord shall exercise its
option provided herein by written notice within sixty (60) days of such fire or other
casualty. For purposes hereof, the Building or
leased premises shall be deemed “materially restored” if they are in such condition as would
not prevent or materially interfere
with Tenant’s use of the leased premises for the purpose for which it was then being used.

     B. If
this lease is not terminated pursuant to Paragraph 10A, then Landlord shall proceed with
all due diligence to repair and
restore the Building, improvements or leased premises, as the case may be (except that
Landlord may elect not to rebuild if such
damage occurs during the last year of the term exclusive of any option which is unexercised at
the date of such damage).

     C. If this lease shall be terminated pursuant to this Paragraph 10, the term of this lease
shall end on the date of such damage
as if that date had been originally fixed in this lease for the expiration of the term hereof.
If this lease shall not be terminated by
Landlord pursuant to this Paragraph 10 and if the leased premises is untenantable in whole or
in part following such damage,
the rent payable during the period in which the leased premises is untenantable shall be
reduced to such extent, if any, as may
be fair and reasonable under all of the circumstances. In the event that Landlord should fail
to complete such repairs and material
restoration within one hundred fifty (150) days after the date of such damage. Tenant may at
its option and as its sole remedy
terminate this lease by delivering written notice to Landlord, whereupon the lease shall end
on the date of such notice as if the
date of such notice were the date originally fixed in this lease for the expiration of the
term hereof; provided however, that if
construction is delayed because of changes, deletions, or additions in construction requested
by Tenant, strikes, lockouts,
casualties, acts of God, war, material or labor shortages, governmental regulation or control
or other causes beyond the reasonable
control of Landlord, the period for restoration, repair or rebuilding shall be extended for
the amount of time Landlord is so delayed.

     In no event shall Landlord be required to rebuild, repair or replace any part of the
partitions, fixtures, additions and other improvements which may have been placed in or about the
leased premises by Tenant. Any insurance which may be carried by Landlord or Tenant against loss
or damage to the Building or leased premises shall be for the sole benefit of the party carrying
such insurance and under its sole control.

     D. Notwithstanding anything herein to the contrary, in the event the holder of any
indebtedness secured by a mortgage or
deed of trust covering the leased premises, Building or Property requires that any insurance
proceeds be applied to such
indebtedness, then Landlord shall have the right to terminate this lease by delivering written
notice of termination to Tenant within
fifteen (15) days after such requirement is made by any such holder, whereupon the lease shall
end on the date of such damage
as if the date of such damage were the date originally fixed in this lease for the expiration
of the term hereof.

     E. Each of Landlord and Tenant hereby releases the other from any and all liability or
responsibility to the other or anyone
claiming through or under them by way of subrogation or otherwise for any loss or damage to
property caused by fire, extended
coverage perils, vandalism or malicious mischief, sprinkler leakage or any other perils
insured in policies of insurance covering
such property, even if such loss or damage shall have been caused by the fault or negligence
of the other party, or anyone for
whom such party may be responsible, including any other tenants or occupants of the remainder
of the Building in which the
leased premises is located; provided, however, that this release shall be applicable and in
force and effect only to the extent that
such release shall be lawful at that time and in any event only with respect to loss or damage
occurring during such times as the
releasor’s policies shall contain a clause or endorsement to the effect that any such release
shall not adversely affect or impair
said policies or prejudice the right of the releasor to recover thereunder and then only to
the extent of the insurance proceeds
payable under such policies. Each Landlord and Tenant agrees that it will request its
insurance carriers to include in its policies
such a clause or endorsement. If extra cost shall be charged therefor, each party shall advise
the other thereof and of the amount
of the extra cost, and the other party, at its election, may pay the same, but shall not be
obligated to do so. If such other party
fails to pay such extra cost, the release provisions of this paragraph shall be inoperative
against such other party to the extent
necessary to avoid invalidation of such releasor’s insurance.

     F. In the event of any damage or destruction to the Building or the leased premises by any
peril covered by the provisions of
this Paragraph 10, Tenant shall, upon notice from Landlord, remove forthwith, at its sole cost
and expense, such portion or all of
the property belonging to Tenant or his licensees from such portion or all of the Building or
the leased premises as Landlord
shall request and Tenant hereby indemnifies and holds Landlord harmless from any loss,
liability, costs, and expenses, including
attorney’s tees, arising out of any claim of damage or injury as a result of any alleged
failure to properly secure the leased
premises prior to such removal and/or such removal.

11. Liability.

     Landlord shall not be liable for and Tenant will indemnify and hold Landlord harmless from
any loss, liability, costs and expenses, including attorney’s fees, arising out of any claim of
injury or damage on or about the leased premises caused by the negligence or misconduct or breach
of this lease by Tenant, its employees, subtenants, invitees or by any other person entering the
leased premises or the Building or Development under express or implied invitation of Tenant or
arising out of Tenant’s use of the leased premises. Landlord shall not be liable to Tenant or
Tenant’s agents, employees, invitees or any person entering upon the Development in whole or in
part because of Tenant’s use of the leased premises for any damage to persons or property due to
condition, design, or defect in the Building or its mechanical systems which may exist or occur,
and Tenant assumes all risks of damage to such persons or property. Landlord shall not be liable
or responsible for any loss or damage to any property or person occasioned by theft, fire, act of
God, public enemy, injunction, riot, strike, insurrection, war, court order, requisition or order
of governmental body or authority, or other matter beyond control of Landlord, or for any injury
or damage or inconvenience, which may arise through repair or alteration of any part of the
Building, or failure to make repairs, or from any cause whatever except Landlord’s willful acts
or gross negligence. Tenant shall procure and maintain throughout the term of this lease a policy
of insurance, in form and substance satisfactory to Landlord, at Tenant’s sole cost and expense,
insuring both Landlord and Tenant against all claims, demands or actions arising out of or in
connection with: (i) the leased premises; (ii) the condition of the leased premises; (iii)
Tenant’s operations in and maintenance and use of the leased premises; and (iv) Tenant’s
liability assumed under this lease; the limits of such policy to be in the amount of not less
than $1,000.000 per occurrence in respect of injury to persons (including death) and in the
amount of not less than $500,000 per occurrence in respect of property damage or destruction,
including loss of use thereof. Such policy shall be procured by Tenant from responsible insurance
companies satisfactory to Landlord. A certified copy of such policy, together with receipt
evidencing payment of the premium shall be

	 	 	 	 	 
	 

	 	Landlord:
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	 	Tenant:
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delivered to Landlord prior to the commencement date of this lease. Not less than thirty (30)
days prior to the expiration date of such policy, a certified copy of a renewal thereof (bearing
notations evidencing the payment of the renewal premium) shall be delivered to Landlord. Such
policy shall further provide that not less than thirty (30) days’ written notice shall be given to
Landlord before such policy may be cancelled or changed to reduce the insurance coverage provided
thereby.

12. Condemnation.

     A. If any substantial part of the Building, improvements, or leased premises should be taken
for any public or quasi-public use
under governmental law. ordinance or regulation, or by right of eminent domain, or by private
purchase in lieu thereof and the
taking would prevent or materially interfere with the use of the Building or leased premises
for the purpose for which it is then
being used, this lease shall terminate effective when the physical taking shall occur in the
same manner as if the date of such
taking were the date originally fixed in this lease for the expiration of the term hereof.

     B. If part of the Building, improvements, or leased premises shall be taken for any public or
quasi-public use under any
governmental law, ordinance or regulation, or by right of eminent domain, or by private
purchase in lieu thereof, and this lease is
not terminated as provided in the subparagraph above, this lease shall not terminate but the
rent payable hereunder during the
unexpired portion of this lease shall be reduced to such extent, if any, as may be fair and
reasonable under all of the circumstances
and Landlord shall undertake to restore the Building, improvements, and leased premises to a
condition suitable for Tenant’s
use, as near to the condition thereof immediately prior to such taking as is reasonably
feasible under all the circumstances.

     C. In the event of any such taking or private purchase in lieu thereof, Landlord and Tenant
shall each be entitled to receive
and retain such separate awards and/or portion of lump sum awards as may be allocated to
their respective interests in any
condemnation proceedings; provided that Tenant shall not be entitled to receive any award for
Tenant’s loss of its leasehold
interest, the right to such award being hereby assigned by Tenant to Landlord.

13. Holding Over.

     Tenant will, at the termination of this lease by lapse of time or otherwise, yield up
immediate possession to Landlord. If Tenant retains possession of the leased premises or any part
thereof after such termination, then Landlord may, at its option, serve written notice upon
Tenant that such holding over constitutes any one of (i) renewal of this lease for one year, and
from year to year thereafter, or (ii) creation of a month to month tenancy, upon the terms and
conditions set forth in this lease, or (iii) creation of a tenancy at sufferance, in any case upon
the terms and conditions set forth in this lease; provided, however, that the monthly rental (or
daily rental under (iii)) shall, in addition to all other sums which are to be paid by Tenant
hereunder, whether or not as additional rent, be equal to double the rental being paid monthly to
Landlord under this lease immediately prior to such termination (prorated in the case of (iii) on
the basis of a 365 day year for each day Tenant remains in possession). If no such notice is
served, then a tenancy at sufferance shall be deemed to be created at the rent in the preceding
sentence. Tenant shall also pay to Landlord all damages sustained by Landlord resulting from
retention of possession by Tenant, including the loss of any proposed subsequent tenant for any
portion of the leased premises. The provisions of this paragraph shall not constitute a waiver by
Landlord of any right of re-entry as herein set forth; nor shall receipt of any rent or any other
act in apparent affirmance of the tenancy operate as a waiver of the right to terminate this
lease for a breach of any of the terms, covenants, or obligations herein on Tenant’s part to be
performed.

14. Quiet Enjoyment.

     Landlord represents and warrants that it has full right and authority to enter into this
lease and that Tenant, while paying the rental and performing its other covenants and agreements
herein set forth, shall peaceably and quietly have, hold and enjoy the leased premises for the
term hereof without hindrance or molestation from Landlord subject to the terms and provisions of
this lease. In the event this lease is a sublease, then Tenant agrees to take the leased premises
subject to the provisions of the prior leases. Landlord shall not be liable for any interference
or disturbance by other tenants or third persons, nor shall Tenant be released from any of the
obligations of this lease because of such interference or disturbance.

15. Events of Default.

     The following events shall be deemed to be events of default by Tenant under this lease:

     (a) Tenant shall fail to pay when or before due any sum of money becoming due to be paid to
Landlord hereunder, whether
such sum be any installment of the rent herein reserved, any other amount treated as
additional rent hereunder, or any other
payment or reimbursement to Landlord required herein, whether or not treated as additional
rent hereunder, and such failure
shall continue for a period of five (5) days from the date such payment was due; or

     (b) Tenant shall fail to comply with any term, provision or covenant of this lease other
than by failing to pay when or before
due any sum of money becoming due to be paid to Landlord hereunder. and shall not cure such
failure within twenty (20) days
(forthwith, if the default involves a hazardous condition) after written notice thereof to
Tenant; or

     (c) Tenant shall abandon or vacate any substantial portion of the leased premises; or

     (d) Tenant shall fail to vacate the leased premises immediately upon termination of this
lease, by lapse of time or otherwise,
or upon termination of Tenant’s right to possession only; or

     (e) The leasehold interest of Tenant shall be levied upon under execution or be attached by
process of law or Tenant shall
fail to contest diligently the validity of any lien or claimed lien and give sufficient
security to Landlord to insure payment thereof
or shall fail to satisfy any judgment rendered thereon and have the same released, and such
default shall continue for ten (10)
days after written notice thereof to Tenant; or

     (f) Tenant shall become insolvent, admit in writing its inability to pay its debts generally
as they become due, file a petition in
bankruptcy or a petition to take advantage of any insolvency statute, make an assignment for
the benefit of creditors, make a
transfer in fraud of creditors, apply for or consent to the appointment of a receiver of
itself or of the whole or any substantial
part of its property, or file a petition or answer seeking reorganization or arrangement
under the federal bankruptcy laws, as
now in effect or hereafter amended, or any other applicable law or statute of the United
States or any state thereof; or

     (g) A
court of competent jurisdiction shall enter an order, judgment or decree adjudicating
Tenant a bankrupt, or appointing
a receiver of Tenant, or of the whole or any substantial part of its property, without the
consent of Tenant, or approving a
petition filed against Tenant seeking reorganization or arrangement of Tenant under the
bankruptcy laws of the United States,
as now in effect or hereafter amended, or any state thereof, and such order, judgment or
decree shall not be vacated or set
aside or stayed within thirty (30) days from the date of entry thereof.

16. Remedies.

     Upon the occurrence of any of such events of default described in Paragraph 15 hereof or
elsewhere in this lease, Landlord shall have the option to pursue any one or more of the
following remedies without any notice or demand whatsoever:

     (a) Landlord
may, at its election, terminate this lease or terminate Tenant’s right to
possession only, without terminating the
lease;

     (b) Upon any termination of this lease, whether by lapse of time or otherwise, or upon any
termination of Tenant’s right to
possession without termination of the lease, Tenant shall surrender possession and vacate
the leased premises immediately,
and deliver possession thereof to Landlord, and Tenant hereby grants to Landlord full and
free license to enter into and upon
the leased premises in such event with or without process of law and to repossess Landlord
of the leased premises as of
Landlord’s former estate and to expel or remove Tenant and any others who may be occupying
or within the leased premises
and to remove any and all property therefrom, without being deemed in any manner guilty of
trespass, eviction or forcible entry
or detainer, and without incurring any liability for any damage resulting therefrom, Tenant
hereby waiving any right to claim
damage for such reentry and expulsion, and without relinquishing Landlord’s right to rent or
any other right given to Landlord
hereunder or by operation of law;

     (c) Upon any termination of this lease, whether by lapse of time or otherwise, Landlord
shall be entitled to recover as
damages, all rent, including any amounts treated as additional rent
hereunder, and other
sums due and payable by Tenant on
the date of termination, plus the sum of (i) an amount equal to the then present value of
the rent, including any amount treated

	 	 	 	 	 
	 

	 	Landlord:
	 	[ILLEGIBLE]
	 

	 	 	 	 
	 
	 	 	 	 
	 

	 	Tenant:
	 	[ILLEGIBLE]
	 

	 	 	 	 

5

 

as
additional rent hereunder, and other sums provided herein to be paid by Tenant for the
residue of the stated term hereof, less the fair rental value of the leased premises for such
residue (taking into account the time and expense necessary to obtain a replacement tenant or
tenants, including expenses hereinafter described in subparagraph (d) relating to recovery of
the leased premises, preparation for reletting and for reletting itself), and (ii) the cost of
performing any other covenants which would have otherwise been performed by Tenant;

     (d) (i) Upon any termination of Tenant’s right to possession only without termination of
the lease, Landlord may, at Landlord’s option, enter into the leased premises, remove Tenant’s
signs and other evidences of tenancy, and take and hold possession thereof as provided in
subparagraph (b) above, without such entry and possession terminating the lease or releasing
Tenant, in whole or in part, from any obligation, including Tenant’s obligation to pay the rent,
including any amounts treated as additional rent, hereunder for the full term. In any such case
Tenant shall pay forthwith to Landlord, if Landlord so elects, a sum equal to the entire amount
of the rent, including any amounts treated as additional rent hereunder, for the residue of the
stated term hereof plus any other sums provided herein to be paid by Tenant for the remainder of
the lease term;

     (ii) Landlord may, but need not, relet the leased premises or any part thereof for such
rent and upon such terms as Landlord, in its sole discretion, shall determine (including the
right to relet the leased premises for a greater or lesser term than that remaining under this
lease, the right to relet the leased premises as a part of a larger area, and the right to
change the character or use made of the leased premises). If Landlord decides to relet the
leased premises or a duty to relet is imposed upon Landlord by law. Landlord and Tenant agree
that Landlord shall only be required to use the same efforts Landlord then uses to lease other
properties Landlord owns or manages (or if the leased premises is then managed for Landlord,
then Landlord will instruct such manager to use the same efforts such manager then uses to lease
other space or properties which it owns or manages); provided, however, that Landlord (or its
manager) shall not be required to give any preference or priority to the showing or leasing of
the leased premises over any other space that Landlord (or its manager) may be leasing or have
available and may place a suitable prospective tenant in any such available space regardless of
when such alternative space becomes available; provided, further, that Landlord shall not be
required to observe any instruction given by Tenant about such reletting or accept any tenant
offered by Tenant unless such offered tenant has a creditworthiness acceptable to Landlord,
leases the entire leased premises, agrees to use the leased premises in a manner consistent with
the lease and leases the leased premises at the same rent, for no more than the current term and
on the same other terms and conditions as in this lease without the expenditure by Landlord for
tenant improvements or broker’s commissions. In any such case, Landlord may, but shall not be
required to, make repairs, alterations and additions in or to the leased premises and redecorate
the same to the extent Landlord deems necessary or desirable, and Tenant shall, upon demand, pay
the cost thereof, together with Landlord’s expenses of reletting, including, without limitation,
any broker’s commission incurred by Landlord. If the consideration collected by Landlord upon
any such reletting plus any sums previously collected from Tenant are not sufficient to pay the
full amount of all rent, including any amounts treated as additional rent hereunder and other
sums reserved in this lease for the remaining term hereof, together with the costs of repairs,
alterations, additions, redecorating, and Landlord’s expenses of reletting and the collection of
the rent accruing therefrom (including attorney’s fees and
broker’s commissions), Tenant shall
pay to Landlord the amount of such deficiency upon demand and Tenant agrees that Landlord may
file suit to recover sums falling due under this section from time to time;

     (e) Landlord may, at Landlord’s option, enter into and upon the leased premises, with or
without process of law, if Landlord determines in its sole discretion that Tenant is not acting
within a commercially reasonable time to maintain, repair or replace anything for which Tenant is
responsible hereunder and correct the same, without being deemed in any manner guilty of
trespass, eviction or forcible entry and detainer and without incurring any liability for any
damage resulting therefrom and Tenant agrees to reimburse Landlord, on demand, as additional
rent, for any expenses which Landlord may incur in thus effecting compliance with Tenant’s
obligations under this lease;

     (f) Any and all property which may be removed from the leased premises by Landlord pursuant
to the authority of the lease or of law, to which Tenant is or may be entitled, may be handled,
removed and stored, as the case may be, by or at the direction of Landlord at the risk, cost and
expense of Tenant, and Landlord shall in no event be responsible for the value, preservation or
safekeeping thereof. Tenant shall pay to Landlord, upon demand, any and all expenses incurred
in such removal and all storage charges against such property so long as the same shall be in
Landlord’s possession or under Landlord’s control. Any such property of Tenant not retaken by
Tenant from storage within thirty (30) days after removal from the leased premises shall, at
Landlord’s option, be deemed conveyed by Tenant to Landlord under this lease as by a bill of sale
without further payment or credit by Landlord to Tenant.

     In the event Tenant fails to pay any installment of rent, including any amount treated as
additional rent hereunder, or other sums hereunder as and when such installment or other charge is
due, Tenant shall pay to Landlord on demand a late charge in an amount equal to five percent (5%)
of such installment or other charge overdue in any month and five percent (5%) each month
thereafter until paid in full to help defray the additional cost to Landlord for processing such
late payments, and such late charge shall be additional rent hereunder and the failure to pay such
late charge within ten (10) days after demand therefor shall be an additional event of default
hereunder. The provision for such late charge shall be in addition to all of Landlord’s other
rights and remedies hereunder or at law and shall not be construed as liquidated damages or as
limiting Landlord’s remedies in any manner.

     Pursuit of any of the foregoing remedies shall not preclude pursuit of any of the other
remedies herein provided or any other remedies provided by law (all such remedies being
cumulative), nor shall pursuit of any remedy herein provided constitute a forfeiture or waiver of
any rent due to Landlord hereunder or of any damages accruing to Landlord by reason of the
violation of any of the terms, provisions and covenants herein contained. No act or thing done by
Landlord or its agents during the term hereby granted shall be deemed a termination of this lease
or an acceptance of the surrender of the leased premises, and no agreement to terminate this lease
or accept a surrender of said premises shall be valid unless in writing signed by Landlord. No
waiver by Landlord of any violation or breach of any of the terms, provisions and covenants herein
contained shall be deemed or construed to constitute a waiver of any other violation or breach of
any of the terms, provisions and covenants herein contained. Landlord’s acceptance of the payment
of rental or other payments hereunder after the occurrence of an event of default shall not be
construed as a waiver of such default, unless Landlord so notifies Tenant in writing. Forbearance
by Landlord in enforcing one or more of the remedies herein provided upon an event of default
shall not be deemed or construed to constitute a waiver of such default or of Landlord’s right to
enforce any such remedies with respect to such default or any subsequent default. If, on account
of any breach or default by Tenant in Tenant’s obligations under the terms and conditions of this
lease, it shall become necessary or appropriate for Landlord to employ or consult with an attorney
concerning or to enforce or defend any of Landlord’s rights or remedies hereunder, Tenant agrees
to pay any attorney’s fees so incurred.

     Without limiting the foregoing, Tenant hereby: (i) expressly waives any right to trial by
jury; and (ii) expressly waives the service of any notice under any existing or future law of the
State of Illinois applicable to landlords and tenants.

17. Landlord’s Lien.

     In addition to any statutory lien for rent in Landlord’s favor, Landlord shall have and
Tenant hereby grants to Landlord a continuing security interest for all rentals and other sums of
money becoming due hereunder from Tenant, upon all goods, wares, equipment, fixtures, furniture,
inventory, accounts, contract rights, chattel paper and other personal property of Tenant
situated on the leased premises, and such property shall not be removed therefrom without the
consent of Landlord until all arrearages in rent as well as any and all other sums of money then
due to Landlord hereunder shall first have been paid and discharged. In

	 	 	 
	 

	 	Landlord: [ILLEGIBLE]
	 

	 	Tenant: [ILLEGIBLE]

6

 

the event of a default under this lease, Landlord shall have, in addition to any other remedies
provided herein or by law, all rights and remedies under the Uniform Commercial Code, including
without limitation the right to sell the property described in this Paragraph 17 at public or
private sale upon five (5) days’ notice to Tenant. Tenant hereby agrees to execute such financing
statements and other instruments necessary or desirable in Landlord’s discretion to perfect the
security interest hereby created. Any statutory lien for rent is not hereby waived, the express
contractual lien herein granted being in addition and supplementary thereto.

18. Mortgages.

     Tenant accepts this lease subject and subordinate to any mortgage(s) and/or deed(s) of trust
now or at any time hereafter constituting a first lien or charge upon the Property, or the
improvements situated thereon, provided, however, that if the mortgagee, trustee, or holder of any
such mortgage or deed of trust elects to have Tenant’s interest in this lease superior to any such
instrument, then by notice to Tenant from such mortgagee, trustee or holder, this lease shall be
deemed superior to such lien whether this lease was executed before or after said mortgage or deed
of trust. Tenant shall at any time hereafter on demand execute any instruments, releases or other
documents which may be required by any such mortgagee for the purpose of subjecting and
subordinating this lease to the lien of any such mortgage or for the purpose of evidencing the
superiority of this lease to the lien of any such mortgage, as may be the case.

19. Landlord’s Liability.

     In no event shall Landlord’s liability for any breach of this lease exceed the amount of
rental then remaining unpaid for the then current term (exclusive of any renewal periods which
have not then actually commenced). This provision is not intended to be a measure or agreed
amount of Landlord’s liability with respect to any particular breach, and shall not be utilized
by any court or otherwise for the purpose of determining any liability of Landlord hereunder,
except only as a maximum amount not to be exceeded in any event.

20. Mechanic’s and Other Liens.

     Tenant shall have no authority, express or implied, to create or place any lien or
encumbrance of any kind or nature whatsoever upon, or in any manner to bind, the interest of
Landlord in the leased premises or to charge the rentals payable hereunder for any claim in favor
of any person dealing with Tenant, including those who may furnish materials or perform labor for
any construction or repairs, and each such claim shall affect and
each such lien shall attach to, if at all, only the leasehold interest granted to Tenant by this lease. Tenant covenants and
agrees that it will pay or cause to be paid all sums legally due and payable by it on account of
any labor performed or materials furnished in connection with any work performed on the leased
premises on which any lien is or can be validly and legally asserted against its leasehold
interest in the leased premises or the improvements thereon and that it will save and hold
Landlord harmless from any and all loss, liability, cost or expense based on or arising out of
asserted claims or liens against the leasehold estate or against the right, title and interest of
the Landlord in the leased premises or under the terms of this lease. Tenant will not permit any
mechanic’s lien or liens or any other liens which may be imposed by law affecting Landlord’s or
its mortgagees’ interest in the leased premises or the Building to be placed upon the leased
premises or the Building arising out of any action or claimed action by Tenant, and in case of
the filing of any such lien Tenant will promptly pay same. If any such lien shall remain in force
and effect for twenty (20) days after written notice thereof from Landlord to Tenant, Landlord
shall have the right and privilege of paying and discharging the same or any portion thereof
without inquiry as to the validity thereof, and any amounts so paid, including expenses and
interest, shall be so much additional rent hereunder due from Tenant to Landlord and shall be
paid to Landlord immediately on rendition of bill therefor. Notwithstanding the foregoing, Tenant
shall have the right to contest any such lien in good faith and with all due diligence so long as
any such contest, or action taken in connection therewith, protects the interest of Landlord and
Landlord’s mortgagee in the leased premises, and Landlord and any such mortgagee are, by the
expiration of said twenty (20) day period, furnished such protection, and indemnification against
any loss, liability, cost or expense related to any such lien and the contest thereof as are
satisfactory to Landlord and any such mortgagee.

21. Notices.

     Each provision of this lease or of any applicable governmental laws, ordinances,
regulations and other requirements with reference to the sending, mailing or delivery of any
notice or the making of any payment shall be deemed to be complied with when and if the following
steps are taken:

(a) All rent and other payments required to be made by Tenant to Landlord hereunder shall be
payable to Hamilton Partners, Inc. or to such other entity at such other address as
Landlord may specify from time to time by written notice delivered in accordance herewith.

(b) Any notice or other document required or permitted to be delivered hereunder shall be
deemed to be delivered whether actually received or not when deposited in the continental
United States Mail, postage prepaid, certified or registered mail, addressed to the parties
hereto at the respective addresses set out below, or at such other address as they have
theretofore specified by written notice delivered in accordance herewith:

	 	 	 
	LANDLORD:

	 	TENANT:
	Hamilton Partners, Inc.

	 	Royal American Bank
	300 Park Boulevard, Suite #100

	 	1604 Colonial Parkway
	Itasca, IL 60143

	 	Inverness, IL 60097- 4725 ATTN: Cashier
	 

	 	PHONE: 708-202-8300

All parties included within the terms “Landlord” and “Tenant,” respectively, shall be bound by
notices given in accordance with the provisions of this paragraph to the same effect as if each had
received such notice.

22. Miscellaneous.

     A. Words of any gender used in this lease shall be held and construed to include any other
gender, and words in the singular number shall be held to include the plural, unless the context
otherwise requires.

     B. The terms, provisions and covenants and conditions contained in this lease shall apply to,
inure to the benefit of, and be binding upon, the parties hereto and upon their respective heirs,
legal representatives, successors and permitted assigns, except as otherwise expressly provided
herein. Landlord shall have the right to assign any of its rights and obligations under this lease
and Landlord’s grantee or Landlord’s successor shall upon such assignment, become “Landlord”
hereunder, thereby freeing and relieving the grantor or assignor of all covenants and obligations
of “Landlord” hereunder; provided, however, that no successor Landlord shall be responsible for the
return of any security deposit provided for pursuant to Paragraph 2B unless such successor receives
the deposit. Tenant agrees to furnish promptly upon demand, a corporate resolution, proof of due
authorization by partners, or other appropriate documentation evidencing the due authorization of
Tenant to enter into this lease. Nothing herein contained shall give any other Tenant in the
Building of which the leased premises is a part any enforceable rights either against Landlord or
Tenant as a result of the covenants and obligations of either party set forth herein.

     C. The captions inserted in this lease are for convenience only and in no way define, limit or
otherwise describe the scope or intent of this lease, or any provision hereof.

     D. Tenant shall at any time and from time to time within ten (10) days after written request
from Landlord execute and deliver to Landlord or any prospective Landlord or mortgagee or
prospective mortgagee a sworn and acknowledged estoppel certificate, in form reasonably
satisfactory to Landlord and/or Landlord’s mortgagee or prospective mortgagee certifying and
stating as follows: (i) this lease has not been modified or amended (or if modified or amended,
setting forth such modifications or amendments); (ii) this lease (as so modified or amended) is in
full force and effect (or if not in full force and effect, the reasons therefor); (iii) the Tenant
has no offsets or defenses to its performance of the terms and provisions of this lease, including
the payment of rent (or if there are any such defenses or offsets, specifying the same); (iv)
tenant is in possession of the leased premises, if such be the case; (v) if an assignment of rents
or leases has been served upon Tenant by a mortgagee or prospective

 
	 	 	 
	 

	 	Landlord: [ILLEGIBLE]
	 

	 	Tenant: [ILLEGIBLE]

7

 

mortgagee, Tenant has received such assignment and agrees to be bound by the provisions
thereof; and (vi) any other accurate statements reasonably required by Landlord or its mortgagee or
prospective mortgagee. It is intended that any such statement delivered pursuant to this subsection
may be relied upon by any prospective purchaser or mortgagee and their respective successors and
assigns and Tenant shall be liable for all loss, cost or expense resulting from the failure of any
sale or funding of any loan caused by any material misstatement contained in such estoppel
certificate. Tenant hereby irrevocably appoints Landlord or if Landlord is a trust. Landlord’s
beneficiary, as attorney-in-fact for the Tenant with full power and authority to execute and
deliver in the name of Tenant such estoppel certificate if Tenant fails to deliver the same within
such ten (10) day period and such certificate as signed by Landlord or Landlord’s beneficiary, as
the case may be shall be fully binding on Tenant, if Tenant fails to deliver a contrary
certificate within five (5) days after receipt by Tenant of a copy of the certificate executed by
Landlord or Landlord’s beneficiary, as the case may be, on behalf of Tenant. In addition to any
other remedy Landlord may have hereunder, Landlord may at its option, if Tenant does not deliver
to Landlord an estoppel certificate as set forth above within fifteen (15) days after Tenant is
requested to do so, cancel this lease effective the last day of the then current month, without
incurring any liability on account thereof, and the term hereby granted is expressly limited
accordingly.

     E. This lease may not be altered, changed or amended except by an instrument in writing signed by
both parties hereto.

     F. All obligations of Tenant hereunder not fully performed as of the expiration of earlier
termination of the term of this lease shall survive the expiration or earlier termination of the
term hereof, including without limitation, all payment obligations with respect to taxes and
Operating Costs and all obligations concerning the condition of the premises. Upon the expiration
or earlier termination of the term hereof, Tenant shall pay to Landlord the amount, as estimated by
Landlord, necessary: (i) to repair and restore the leased premises as provided herein; and (ii) to
discharge Tenant’s obligation for unpaid real estate taxes, Operating Costs or other amounts due
Landlord. All such amounts shall be used and held by Landlord for payment of such obligations of
Tenant, with Tenant being liable for any additional costs upon demand by Landlord, or with any
excess to be returned to Tenant after all such obligations have been determined and satisfied. Any
security deposit held by Landlord shall be credited against the amount payable by Tenant under this
subparagraph 22F.

     G. If any clause, phrase, provision or portion of this lease or the application thereof to any
person or circumstance shall be invalid or unenforceable under applicable law, such event shall not
affect, impair or render invalid or unenforceable the remainder of this lease nor any other clause,
phrase, provision or portion hereof, nor shall it affect the application of any clause, phrase,
provision or portion hereof to other persons or circumstances, and it is also the intention of the
parties to this lease that in lieu of each such clause, phrase, provision or portion of this lease
that is invalid or unenforceable, there be added as a part of this lease contract a clause, phrase,
provision or portion as similar in terms to such invalid or unenforceable clause, phrase, provision
or portion as may be possible and be valid and enforceable.

     H. Submission of this lease shall not be deemed to be a reservation of the leased premises.
Landlord shall not be bound hereby until its delivery to Tenant of an executed copy hereof signed
by Landlord, already having been signed by Tenant, and until such delivery Landlord reserves the
right to exhibit and lease the leased premises to other prospective tenants. Notwithstanding
anything contained herein to the contrary, Landlord may withhold delivery of possession of the
leased premises from Tenant until such time as Tenant has paid to Landlord the security deposit
required by subparagraph 2B hereof, the first month’s rent as set forth in subparagraph 2A hereof,
and any sum owed pursuant to Paragraph 5 hereof.

     I. Whenever a period of time is herein prescribed for action to be taken by Landlord, the
Landlord shall not be liable or responsible for, and there shall be excluded from the computation
for any such period of time, any delays due to causes of any kind whatsoever which are beyond the
control of Landlord.

     J. Tenant’s “proportionate share” as used in this lease shall mean a fraction, the numerator
of which is the gross leasable area of the leased premises and the denominator of which is the
gross leasable area contained in the Building, in each case as reasonably determined by Landlord.
For purposes hereof the numerator is 1,568 and the denominator is 69,280 and Tenant’s
proportionate share is 2.26 %.

     K. If there be more than one Tenant, the obligations hereunder imposed upon Tenant shall be
joint and several. Any indemnification of, insurance of, or option granted to Landlord shall also
include or be exercisable by Landlord’s trustee, beneficiary, agents and employees, as the case
may be.

     L. Each of the parties (i) represents and warrants to the other that it has not dealt with
any broker or finder in connection with this lease, except New London
Associates and; (ii)
indemnifies and holds the other harmless from any and all losses, liability, costs or expenses
(including attorneys’ fees) incurred as a result of an alleged breach of the foregoing warranty.
Landlord agrees to promptly pay the broker.

23. Substitution of Premises.

24. Certain Rights Reserved To The Landlord.

     The Landlord reserves and may exercise the following rights without affecting Tenant’s obligations
hereunder:

     (a) to change the name or street address of the Building;

     (b) to install and maintain a sign or signs on the exterior of the Building;

     (c) to have access for the Landlord and the other tenants of the Building to any mail chutes
located on the leased premises according to the rules of the United States Post Office;

     (d) to designate all commercially reasonable sources furnishing sign painting and lettering,
towels, coffee cart service and toilet supplies, lamps and bulbs used on the leased premises;

     (e) to retain at all times pass keys to the leased premises;

     (f) to grant to anyone the exclusive right to conduct any particular business or undertaking in
the Building;

     (g) to close the Building after regular working hours and on the legal holidays subject,
however, to Tenant’s right to admittance, under such reasonable regulations as Landlord may
prescribe from time to time, which may include by way of example but not of limitation, that
persons entering or leaving the Building identify themselves to a watchman by registration or
otherwise and that said persons establish their right to enter or leave the Building;

     (h) to take any and all measures, including inspections, repairs, alterations, decorations,
additions and improvements to the leased premises or to the Building, as may be necessary or
desirable for the safety, protection or preservation of the leased premises or the Building or
the Landlord’s interests, or as may be necessary or desirable in the operation of the Building;
and

     (i)
to add, remove or modify buildings, roadways, walkways, landscaping, lakes, grading and
other improvements in or to the Development.

     The Landlord may enter upon the leased premises and may exercise any or all of the foregoing
rights hereby reserved without being deemed guilty of an eviction or disturbance of the Tenant’s
use or possession and without being liable in any manner to the Tenant and without abatement of
rent or affecting any of the Tenant’s obligations hereunder.

 
	 	 	 
	 

	 	Landlord: [ILLEGIBLE]
	 

	 	Tenant: [ILLEGIBLE]

8

 

25. Land Trustee’s Exculpation.

     B. If the Landlord executing this Lease is not a trust, the following paragraph is hereby made a
part hereof:

     It is expressly understood and agreed that nothing in this Lease contained shall be construed
as creating any liability whatsoever against the Landlord, or its successors and assigns,
personally, and in particular without limiting the generality of the foregoing, there shall be no
personal liability to pay any indebtedness accruing hereunder or to perform any covenant, either
express or implied, herein contained, and that all personal liability of Landlord, or its
successors and assigns, of every sort, if any, is hereby expressly waived by Tenant, and every
person now or hereafter claiming any right or security hereunder, and that so far as Landlord, or
its successors and assigns, is concerned the owner of any indebtedness or liability accruing
hereunder shall look solely to the premises hereby leased for the payment thereof.

26. Operating Cost Escalation.

     A. If, in any calendar year falling partly or wholly within the term of this lease, Operating
Costs (as hereinafter defined) paid or incurred by Landlord Shall
exceed the sum of Two Hundred Fifty Two Thousand One Hundred Seventy
Nine Dollars and 20/100 DOLLARS ($ 252,179.20). Tenant shall pay upon demand to Landlord for such year as additional rent its
proportionate share of such excess calculated on the basis of the ratio set forth in subparagraph
22J. Any payment to be made pursuant to this Paragraph 26 with respect to the year in which this
lease commences or terminates shall be prorated.

     As used in this lease, the term “Operating Costs” shall mean any and all expenses, costs and
disbursements (other than taxes) of any kind and nature whatsoever incurred by Landlord in
connection with the ownership, leasing, management, maintenance, operation and repair of the
Building or the Property or any improvements situated on the Property (including, without
limitation, the costs of maintaining and repairing parking lots, parking structures, and
easements, property management fees, increased interest costs as specified below, salaries, fringe
benefits and related costs, for building staff, insurance costs of every kind and nature, heating
and air conditioning costs, common area utility costs such as electricity, sewer and water
charges, the costs of routine repairs, maintenance and decorating and the Building’s or Property’s
share of costs of the Development) which Landlord shall pay or become obligated to pay in respect
of a calendar year (regardless of when such operating costs were incurred), except the following:
(i) costs of alterations of Tenants’ premises; (ii) costs of capital improvements and costs of
curing construction defects: (iii) depreciation; (iv) interest and principal payments on
mortgages, and other debt costs (but any cost due to an increase in the interest rate over the
initial rate on the original long term first lien mortgage shall be included); (v) real estate
brokers’ leasing commissions or compensation; (vi) any cost or expenditure (or portion thereof)
for which Landlord is reimbursed, whether by insurance proceeds or otherwise, and (vii) cost of
any service furnished to any other occupant of the Building which Landlord does not provide to
Tenant hereunder. Notwithstanding anything contained herein to the contrary, depreciation of any
capital improvements made after the date of this lease which are intended to reduce Operating
Costs or which are required under any governmental laws, regulations, or ordinances which were not
applicable to the Building at the time it was constructed, shall be included in Operating Costs.
The useful life of any such improvement shall be reasonably determined by Landlord. In addition,
interest on the undepreciated cost of any such improvement (at the prevailing construction loan
rate available to Landlord on the date the cost of such improvement was incurred) shall also be
included in Operating Costs. In the event Landlord elects to self insure, insure with a deductible
in excess of $1.000 or obtain insurance coverage in which the premium fluctuates in proportion to
losses incurred, then Landlord shall estimate the amount of premium that Landlord would have been
required to pay to obtain insurance coverage (or insurance coverage without such provision) with a
recognized carrier and such estimated amount shall be deemed to be an Operating Cost. Landlord
may, in a reasonable manner, allocate insurance premiums for so-called “blanket” insurance
policies which insure other properties as well as the Building and said allocated amount shall be
deemed to be an Operating Cost.

     In the event during all or any portion of any calendar year the Building is not fully rented
and occupied. Landlord may elect to make an appropriate adjustment in Operating Costs for such
year, employing sound accounting and management principles, to determine Operating Costs that
would have been paid or incurred by Landlord had the Building been fully rented and occupied and
the amount so determined shall be deemed to have been Operating Costs for such year.

     Landlord and Tenant acknowledge that certain of the costs of management, operation and
maintenance of the Development are contractually allocated among all of the buildings in the
Development using methods of allocation that are considered reasonable and appropriate for the
circumstances. Tenant hereby consents to such contractual allocations provided that the
determination of such costs and the allocation of all or part thereof to Operating Costs hereunder
shall be in accordance with generally accepted accounting principles applied on a consistent
basis.

     B.
During December of each year or as soon thereafter as practicable, Landlord shall give
Tenant written notice of its estimate of amounts payable under subparagraph A above for the
ensuing calendar year. On or before the first day of each month thereafter Tenant shall pay to
Landlord as additional rent one-twelfth (1/12th) of such estimated amounts, provided that if such
notice is not given in December, Tenant shall continue to pay on the basis of the prior year’s
estimate until the first day of the month after the month in which such notice is given. If at any
time it appears to Landlord that the amounts payable under subparagraph A above for the then
current calendar year will vary from its estimate by more than five
percent (5%), Landlord may, by
written notice to Tenant, revise its estimate for such year, and subsequent payments by Tenant for
such year shall be based upon such revised estimate.

     Within ninety (90) days after the close of each calendar year or as soon thereafter as
practicable. Landlord shall deliver to Tenant a statement showing the Operating Costs under
subparagraph A above and Tenant’s proportionate share thereof. If such statement shows an amount
due from Tenant that is less than the estimated payments previously paid by Tenant, it shall be
accompanied by a refund of the excess to Tenant. If such statement shows an amount due from Tenant
that is more than the estimated payments previously paid by Tenant, Tenant shall pay the
deficiency to Landlord, as additional rent, within thirty (30) days after delivery of the
statement.

     C. Tenant or its representatives shall have the right to examine Landlord’s books and records
of Operating Expenses during normal business hours within twenty (20) days following the furnishing
of the statement to Tenant. Unless Tenant takes written Exception to any item within thirty (30)
days following the furnishing of the statement of Tenant, such
statement shall be considered as final
and accepted by Tenant. The taking of exception to any item shall not excuse Tenant from the
obligation to make timely payment based upon the statement as delivered by Landlord.

 
	 	 	 
	 

	 	Landlord: [ILLEGIBLE]
	 

	 	Tenant: [ILLEGIBLE]

9

 

27. Consumer Price Escalation.

28. Special Provisions.

     The special provisions on page(s) Eleven (11) and exhibits attached hereto shall form part
of this lease as if the same were embodied herein:

     EXECUTED
the 19th
day of APRIL, 1993.

	 	 	 	 	 	 	 	 	 	 	 	 	 
	ATTEST/WITNESS	 	 	 	Royal American Bank
	 	 	 	 	 	 	 	 	 	 	1604 Colonial Parkway
	 	 	 	 	 	 	 
	Title:	 	 	 	 	 	 	 	 	 	Inverness, IL 60097-4725
	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	 

	 	 	 	 	 	 	 	 	 	By:
	 	/s/ [ILLEGIBLE]
	 

	 	 	 	 	 	 	 	 	 	 	 	 
	 

	 	 	 	 	 	 	 	 	 	Title:
	 	EVP & Cashier
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	TENANT
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	By:
	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	Bensenville Office Venture, as sole beneficiary as aforesaid
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	By:	 	 	 	 	 	BY:	 	HP-1000 Tower Lane Limited Partnership, an Illinois Limited

Partnership, Its General Partner
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	BY:	 	HP-1000 Tower Lane, Inc., an Illinois Corporation, Its General Partner
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	 

	 	 	 	By:	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	 

	 	 	 	 	 	 	 	 	 	By:
	 	/s/ Timothy G. Beechick
	 

	 	 	 	 	 	 	 	 	 	 	 	 
	 

	 	 	 	 	 	 	 	 	 	 	 	Ronald C. Lunt, President or
	 

	 	 	 	 	 	 	 	 	 	 	 	Timothy G. Beechick, Vice President
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	 

	 	 	 	 	 	 	 	 	 	Title:	 	 
	 

	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	ATTEST/WITNESS	 	 	 	LANDLORD
	/s/ [ILLEGIBLE]	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	Title: Administrative
assistant	 	 	 	 	 	 

 
	 	 	 
	 

	 	Landlord: [ILLEGIBLE]
	 

	 	Tenant: [ILLEGIBLE]

10

 

	29.	 	Notwithstanding anything to the contrary contained in Paragraph 2A of the Lease,
and provided in all events that Tenant is not in default hereunder, Landlord will abate the
base rental for a period of two (2) months from and after the commencement date. If, at any
time during the term of the Lease, Tenant suffers or permits a default to occur that is not
cured within any applicable grace period expressly granted by this Lease, then (i) the
provisions of the immediately preceding sentence shall be deemed null and void as if they
had never been set forth in this Lease and (ii) within ten (10) days after written request
by Landlord, Tenant shall pay Landlord an amount equal to the total of all base rent
previously abated under this Lease.
	 
	30.	 	Tenant’s annual net base rental shall be increased by two per cent (2%) per year over the
life of the lease term.
	 
	31.	 	Tenant will have the right, at Tenant’s sole expense, to install identification signage on
the existing pylon sign located at the Northeast corner of the property. Such signage will
require Landlord’s prior approval which approval shall not be unreasonably withheld. Such
signage will need to conform to the rules and regulations of the local governing authorities.
	 
	32.	 	Landlord hereby agrees to provide four (4) reserved parking spaces to be identified with
signage as “Bank Visitor Only” parking spaced located as close to the front entrance of the
building as reasonably possible.
	 
	33.	 	Provided Tenant is not then in default under this Lease, Tenant shall have the right and
option to renew the Lease for one (1) five (5) year term by providing Landlord with written
notice thereof at least six (6) months prior to the expiration of the initial lease term. The
base rental for the renewal term shall be adjusted to the then current effective market rental
rates as reasonably determined by Landlord and Tenant for comparable space in comparable
buildings in the immediate surrounding market area as of the first day of such renewal
period, provided however, that in no event shall the base rental for the renewal period be
less than the base rental applicable to the last year of the immediately preceding Lease
period.
	 
	34.	 	Tenant shall have a Right of First Offer to lease contiguous office space when and if such
space should become available for lease. Tenant shall provide written notice to Landlord of
it’s interest in such space that has become available for lease following which Landlord shall
provide information on the terms and availability of such space. Tenant will have ten (10)
days to accept it’s Right of First Offer on such space following Landlord’s notice and will
return an executed Amendment to this Lease incorporating space into the Lease within thirty
(30) days.
	 
	35.	 	Tenant shall have the one time option to terminate this Lease at the end of the thirty-sixth
(36th) month of the initial lease term by providing Landlord with six (6) months prior written
notice of it’s intent to terminate accompanied by a penalty payment equivalent to six (6)
months rent at the then escalated rate.
	 
	36.	 	Landlord hereby agrees to go through the necessary steps to terminate the existing Lease with
The Northern Trust for the ATM facility in the building’s parking lot as provided for in that
separate Lease Agreement. Upon the termination of said lease, Tenant shall have the option to
maintain and operate such facility under this Lease Agreement. At the termination of this
Lease, Tenant hereby agrees to remove the ATM and restore the area where it was installed to
the area’s original condition prior to the installation of the ATM unless otherwise directed
by Landlord.

[ILLEGIBLE]

Page Eleven (11)

 

 

EXHIBIT C

	I.	 	Landlord shall provide a cash allowance of $9,400.00 for tenant construction work within the leased premises.

	II.	 	Except as set forth in Paragraph I above, Landlord has no
other arrangement with
Tenant with regard to construction of improvements within the demised premises.
If Landlord should agree to perform, at Tenant’s request, and upon submission by
Tenant of necessary plans and specifications, any special work other than that
specified in Paragraph I hereof, such work shall be performed by Landlord, at
Tenant’s sole expense, as a Tenant’s extra. Prior to commencing any such extra
work requested by Tenant, Landlord will submit to Tenant written estimates of the
cost of any such extra work. If Tenant shall fail to approve any such estimate
within one (1) week, the same shall be deemed disapproved in all respects by
Tenant and Landlord shall not be authorized to proceed with such extra work.
Tenant agrees to pay to Landlord, promptly upon being billed therefor, the cost of
all such extra work, such shall be due and payable as additional rent under the
Lease.

[ILLEGIBLE]

 

 

EXHIBIT D

Rules and Regulations

     1. The sidewalks, halls, passages, elevators and stairways shall not be obstructed by
Tenant or used for any purpose other than for ingress to and egress from the leased premises. The
halls, passages, entrances, elevators, stairways, balconies and roof are not for the use of the
general public, and Landlord shall in all cases retain the right to control and prevent access
thereto of all persons whose presence in the judgment of Landlord shall be prejudicial to the
safety, character, reputation and interests of the Building and its tenants, provided, that nothing
herein contained shall be construed to prevent such access to persons with whom Tenant normally
deals in the ordinary course of its business unless such persons are engaged in illegal activities.
Tenant and its employees shall not go upon the roof of the Building without the written consent of
the Landlord.

     2. The sashes, sash doors, windows, glass lights, and any lights or skylights that reflect or
admit light into the halls or other places of the Buildings shall not be covered or obstructed. The
toilet rooms, water and wash closets and other water apparatus shall not be used for any purpose
other than that for which they were constructed, and no foreign substance of any kind whatsoever
shall be thrown therein, and the expense of any breakage, stoppage or damage, resulting from the
violation of this rule shall be borne by the tenant who, or whose clerk, agents, servants, or
visitors, shall have caused it.

     3. If Landlord, by a notice in writing to Tenant, shall object to any curtain, blind, shade or
screen attached to, or hung in, or used in connection with, any window or door of the leased
premises, such use of such curtain, blind, shade or screen shall be discontinued forthwith by
Tenant. No awnings shall be permitted on any part of the leased premises.

     4. No safes or other objects heavier than the lift capacity of the freight elevators of the
Building shall be brought into or installed on the leased premises. Tenant shall not place a load
upon any floor of the leased premises which exceeds the load per square foot which such floor was
designed to carry and which is allowed by law. The moving of safes shall occur only between such
hours as may be designated by, and only upon previous notice to, the manager of the Building, and
the persons employed to move safes in or out of the Building must be acceptable to Landlord. No
freight, furniture or bulky matter of any description shall be received into the Building or
carried into the elevators except during hours and in a manner approved by Landlord.

     5. Tenant shall not use, keep, or permit to be used or kept any foul or noxious gas or
substance in the leased premises, or permit or suffer the leased premises to be occupied or used in
a manner offensive or objectionable to Landlord or other occupants of the Building by reason of
noise, odors, and/or vibrations, or interfere in any way with other tenants or those having
business therein, nor shall any animals or birds (except Seeing Eye Dogs) be brought into or kept
in or about the Building. Tenant shall not place or install any antennae or aerials or similar
devices outside of the leased premises.

     6. Tenant shall not use or keep in the Building any inflammables, including but not limited to
kerosene, gasoline, naphtha and benzine (except cleaning fluids in small quantities and when in
containers approved by the Board of Underwriters), or explosives or any other articles of
intrinsically dangerous nature, or use any method of heating other than that supplied by Landlord.

     7. If Tenant desires telephone or telegraph connections or alarm systems, Landlord will direct
electricians as to where and how the wires are to be introduced. No boring or cutting for wires or
otherwise shall be made without specific directions from Landlord.

     8. Tenant, upon the termination of the tenancy, shall deliver to the Landlord all the keys of
offices, rooms and toilet rooms which shall have been furnished Tenant or which Tenant shall have
had made, and in the event of loss of any keys so furnished shall pay the Landlord therefor.

     9. Tenant shall not put down any floor covering in the leased premises without the Landlord’s
prior approval of the manner and method of applying such floor covering.

     10. On Saturdays, Sundays and legal holidays, and on other days between the hours of 6 p.m.
and 8 a.m., access to the Building, or to the halls, corridors, elevators or stairways in the
Building, or to the leased premises may be refused unless the person seeking access is known to the
watchman of the Building in charge and has a pass or is properly identified. Services to be
provided to the Tenant as previously outlined in this lease shall be provided only during those
hours in which the Building is open to the public. Landlord shall in no case be liable for damages
for the admission to or exclusion from the Building of any person whom the Landlord has the right
to exclude under Rule 1 above. In case of invasion, mob, riot, public excitement, or other
commotion, Landlord reserves the right to prevent access to the Building during the continuance of
the same by closing the doors or otherwise, for the safety of the tenants or Landlord and
protection of property in the Building.

     11. Tenant assumes full responsibility for protecting its space from theft, robbery and
pilferage which includes keeping doors locked and windows and other means of entry to the leased
premises closed.

     12. Tenant shall not alter any lock or install a new or additional lock or any bolt on any
door of the leased premises without prior written consent of Landlord. If Landlord shall give its
consent, Tenant shall in each case furnish Landlord with a key for any such lock.

     13. In advertising or other publicity, without Landlord’s prior written consent, Tenant shall
not use the name of the Building except as the address of its business and shall not use pictures
of the Building.

     14. Tenant shall not make any room-to-room canvass to solicit business from other tenants in
the Building; and shall not exhibit, sell or offer to sell, use, rent or exchange in or from the
leased premises unless ordinarily embraced within the Tenant’s use of the leased premises specified
herein.

     15. Tenant shall not waste electricity, water or air conditioning and agrees to cooperate
fully with Landlord to assure the most effective operation of the Building’s heating and air
conditioning, and shall not allow the adjustment (except by Landlord’s authorized building
personnel) of any controls other than room thermostats installed for Tenant’s use. Tenant shall
keep corridor doors closed and shall not open any windows except that if the air circulation shall
not be in operation, windows which are openable may be opened with Landlord’s consent.

     16. Tenant shall not do any cooking in the leased premises or engage any coffee cart service.

     17. Any wallpaper or vinyl fabric materials which Tenant may install on painted walls shall be
applied with a stripable adhesive. The use of nonstripable adhesives will cause damage to the walls
when materials are removed, and repairs made necessary thereby shall be made by Landlord at
Tenant’s expense.

     18. Tenant shall provide and maintain hard surface protective mats under all desk chairs which
are equipped with casters to avoid excessive wear and tear to carpeting. If Tenant fails to provide
such mats, the cost of carpet repair or replacement made necessary by such excessive wear and tear
shall be charged to and paid for by Tenant.

     19. Tenant will refer all contractors, contractor’s representatives and installation
technicians, rendering any service to Tenant, to Landlord for Landlord’s supervision, approval, and
control before performance of any contractual service. This provision shall apply to all work
performed in the Building including installations of telephones, telegraph equipment, electrical
devices and attachments and installations of any nature affecting floors, walls, woodwork, trim,
windows, ceilings, equipment or any other physical portion of the Building.

     20. Movement in or out of the Building of furniture, office equipment, or other bulky
materials, or movement through the Building entrances or lobby shall be restricted to hours
designated by Landlord. All such movements, shall be under supervision of Landlord and in the
manner agreed between Tenant and Landlord by prearrangement before performance. Such prearrangement
initiated by Tenant will include determination by Landlord and subject to his decision and control,
of the time, method, and routing of movement, limitations imposed by safety or other concerns which
may prohibit any article, equipment or any other item from being brought into the Building. Tenant
is to assume all risk as to damage to articles moved and injury to persons or public engaged or not
engaged in such movement, including equipment, property, and personnel or Landlord if damaged or
injured as a result of acts in connection with carrying out this service for Tenant from time of
entering property to completion of work; and Landlord shall not be liable for acts of any person
engaged in, or any damage or loss to any of said property or persons resulting from any act in
connection with such service performed for Tenant and Tenant hereby agrees to indemnify and hold
harmless Landlord from and against any such damage, injury, or loss, including attorney’s fees.

Landlord: [ILLEGIBLE]

Tenant: [ILLEGIBLE]

D-1

 

 

     21. No portion of Tenant’s area or any other part of the Building shall at any time be
used or occupied as sleeping or lodging quarters.

     22. Landlord will not be responsible for lost or stolen personal property, equipment, money,
or jewelry from Tenant’s area or any public rooms regardless of whether such loss occurs when such
area is locked against entry or not.

     23. Employees of Landlord shall not receive or carry messages for or to any tenant or other
person, nor contract with or render free or paid services to any tenant or tenant’s agents,
employees, or invitees; in the event any of Landlord’s employees perform any such services, such
employee shall be deemed the agent of tenant regardless of whether or how payment is arranged for
services and Landlord is expressly relieved from any and all liability in connection with any such
services and any associated injury or damage to person or property.

     24. Tenant and its employees, agents, and invitees shall observe and comply with the driving
and parking signs and markers on the property surrounding the Building.

     25. Tenant shall not place, install, or operate on the leased premises or in any part of the
Building, any coffee making device or equipment without the prior written acknowledgement of
Landlord.

     26. Tenant shall give prompt notice to Landlord of any accidents to or defects in plumbing,
electrical fixtures, or heating apparatus so that such accidents or defects may be attended to
promptly.

     27. The directories of the Building shall be used exclusively for the display of the name and
location of the tenants only and will be provided at the expense of Landlord. Any additional names
requested by Tenant to be displayed in the directories must be
approved by Landlord and, if
approved, will be provided at the sole expense of Tenant.

     28. No vending machines of any description shall be installed, maintained or operated in any
part of the Building without the written consent of Landlord.

     29. Tenant shall comply with the rules and regulations of the Development attached hereto or
delivered to Tenant as provided in Paragraph 7 of the lease.

     30. Landlord reserves the right 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
Building, and for the preservation of good order therein.

     31. Landlord shall have the right to change these rules and regulations as provided for in 7(F)
of the lease.

[ILLEGIBLE]

D-2

 

 

THIRD AMENDMENT TO THE LEASE AGREEMENT

          This Third Amendment to the Lease Agreement is entered into as of the first date set forth
between Hamilton Forsythe 1000 Tower Lane LLC, an Illinois Limited Liability Company,
successor-in-interest to Bensenville Office Venture, an Illinois Partnership, as sole beneficiary
of LaSalle National Bank as trustee under Trust Agreement #104715 dated 02/18/82 (“Landlord”) and
Royal American Bank (“Tenant”).

WITNESSETH;

     WHEREAS, Landlord and Tenant are parties to a certain Office Lease dated April 19,
1993; a First Amendment to the Lease dated October 7th, 1997, and a Second Amendment
to the Lease dated April 19, 2001 (collectively, the Lease) for space in the Building commonly
known as 1000 Tower Lane — Bensenville, IL, and;

     WHEREAS, Landlord and Tenant desire to further amend the Lease, expand the leased premises,
renew the original lease and amend the rental provisions accordingly, and;

     NOW, THEREFORE, in consideration of the mutual promises contained herein and for other good
and valuable consideration, the receipt and sufficiency of which are hereby acknowledged,
Landlord and Tenant hereby agree, simultaneously with the execution and delivery hereof by both
parties hereto as follows:

	1.	 	Defined Terms. Except as otherwise set forth herein, the defined terms shall have the
meanings ascribed to them in the Lease.

	2.	 	Renewal Term. The term for the total leased premises of 1,568 square feet
shall extend from April  1, 2003 (“Renewal Commencement
Date”) through March 31, 2008, and

	3.	 	Base Rental. Effective as of April 1, 2003, Tenant’s monthly rental for the
total leased premises of 1,568 square feet shall be based on the following rental schedule:

	 	 	 
	PERIOD	 	MONTHLY RENTAL
	04/01/03—03/31/04
	 	$2,499.65
	04/01/04—03/31/05
	 	$2,551.92
	04/01/05—03/31/06
	 	$2,605.49
	04/01/06—03/31/07
	 	$2,660.37
	04/01/07—03/31/08
	 	$2,717.87

	4.	 	Tenant Improvements. Landlord shall provide Tenant with a Tenant Improvement
Allowance equivalent to $7,840.00 to refit the leased premises.

	5.	 	Except as herein modified, the Lease will remain in full force and effect in accordance with
its terms and conditions.

 

 

          IN
WITNESS WHEREOF, the undersigned have signed this Amendment as of the day and date
first set forth below.

          LANDLORD:

Hamilton Forsythe 1000 Tower Lane LLC, an Illinois Limited Liability Company

	 	 	 	 	 
	BY:	 	Bensenville Office Venture, an Illinois general partnership, its Managing Member
	 
	 	 	 	 
	BY:	 	HP-1000 Tower Lane Limited Partnership, an Illinois limited partnership, a General

Partner
	 
	 	 	 	 
	BY:	 	HP-1000 Tower Lane, Inc., an Illinois corporation, its sole General Partner
	 
	 	 	 	 
	BY:

	 	/s/ Timothy G. Beechick
 

	 	 
	 	 	Ronald C. Lunt, President and/or Timothy G. Beechick, Vice President
	 
	 	 	 	 
	Date:

	 	10/8/02	 	 
	 
	 	 	 	 
	 

	 	TENANT:	 	 
	 
	 	 	 	 
	Royal American Bank	 	 
	 
	 	 	 	 
	BY:

	 	/s/ Robert A. Henleben
 

	 	 
	 
	 	 	 	 
	Date:

	 	10-3-03

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