BY THIS LEASE dated July 15, 2005, The Silva Family Trust dated July 25, 1992, ("Lessor") leases to
Heritage Oaks Bank, ("Lessee”) that certain real property, (“premises") in the City of Atascadero, County of San
Luis Obispo, State of California, commonly known as 9900 El Camino Real, Atascadero, California. The
premises consist of a commercial lot and two story building with on-site parking.
ARTICLE 1. TERM OF LEASE
Section 1.01. This lease shall be for a term of five (5) years commencing at 12:00 a.m. on August 13, 2005, and
ending at 11:59 p.m. on August 12, 2010 unless sooner terminated, or extended, as provided in this agreement.
Section 1.02. Should Lessee perform all the terms and conditions of this lease for the full term specified in
Section 1.01 of this lease, Lessee may extend this lease for four (4) additional terms of five (5) years each,
commencing on expiration of the previous term, by giving Lessor written notice of Lessee's desire to do so at
least ninety (90) days prior to expiration of the immediately preceding term specified above.
Section 1.03. Should Lessee hold over and continue in possession of the premises after expiration of the term of
this lease or any extension thereof, Lessee's continued occupancy of the premises shall be considered a month-
to-month tenancy subject to all of the terms and conditions of this lease.
Lessor's Inability to Deliver Possession
Section 1.04. Should Lessor for any reason be unable to deliver possession of the premises to Lessee on the
date specified in Section 1.01 of this lease as the date on which the term of this lease is to commence, this lease
shall not be void or voidable nor shall Lessor be liable to Lessee for any loss or damage resulting from such
failure to deliver possession to Lessee so long as Lessor has exercised, and continues to exercise, reasonable
diligence to deliver possession of the premises to Lessee. No rent shall, however,