FIRST AMENDMENT TO LEASE AGREEMENT THIS FIRST AMENDMENT TO LEASE AGREEMENT ("First Amendment") is entered into effective the Is' day of March, 2014, by and between IGY-AYH ST. THOMAS HOLDINGS, LLC, a limited liability company operating and validly existing under the laws of the United States Virgin Islands (hereinafter referred to as "Landlord") whose mailing address is 6100 Red Hook Quarter, No. 2, St. Thomas, U.S. Virgin Islands 00802, and SOUTHERN TRUST COMPANY, INC., a U.S. Virgin Islands corporation (hereinafter referred to as "Tenant"), with a mailing address of 6100 Red Hook Quarter B3, St. Thomas, U.S. Virgin Islands 00802. WITNESSETH: WHEREAS, Landlord and Tenant entered into that certain Lease Agreement dated September 24, 2009, as assigned to Tenant by Assignment and Assumption of Lease dated as of March 1, 2014 and acknowledged by Landlord by Landlord's Consent to Assignment of Lease dated as of March 1, 2014 (collectively, the "Lease") with respect to certain Leased Premises as described therein located at American Yacht Harbor, St. Thomas United States Virgin Islands; and WHEREAS, Landlord and Tenant desire to amend the Lease as hereinafter set forth to amend rents, grant certain rent concessions and otherwise amend certain Lease terms; NOW, THEREFORE, in consideration of the premises and agreements contained herein, and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows: A. Each capitalized term used but not otherwise defined in this First Amendment shall have the meaning ascribed to such term in the Lease. B. Section 3.1 of the Lease is hereby deleted and in its place is inserted the following new Section 3.1 for the balance of the initial Lease Term commencing as of March 1, 2014 and for the First Option Term commencing October 1, 2014, which First Option Term Landlord and Tenant agree has been duly exercised and is binding on the parties heret