FIRST AMENDMENT TO OFFICE LEASE

THIS FIRST AMENDMENT TO OFFICE LEASE (this "Amendment") is made and entered into as of this 1st day of July, 2015 (the "Effective Date"), by and between FIRST INTERNET BANCORP., an Indiana corporation (the "Landlord"), and FIRST INTERNET BANK OF INDIANA (the "Tenant").

WHEREAS, Landlord and Tenant entered into that certain Lease dated as of March 6, 2013 (the "Lease") pursuant to which Tenant leases approximately 15,254 square feet of space on the third floor (the "Initial Premises") in the building located at 11201 USA Parkway, Fishers, Indiana, as more particularly set forth in the Lease; and

WHEREAS, Landlord and Tenant desire to enter into this Amendment to expand the Initial Premises and otherwise amend the Lease as herein provided.

NOW THEREFORE, for and in consideration of the covenants and agreements hereinafter set forth, and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, Landlord and Tenant hereby mutually agree as follows:

1.Integration of Amendment and Lease. This Amendment and the Lease shall be deemed to be, for all purposes, one instrument. In the event of any conflict between the terms and provisions of this Amendment and the terms and provisions of the Lease, the terms and provisions of this Amendment shall, in all instances, control and prevail.

2.    Defined Terms. Capitalized terms not otherwise defined herein shall have the meaning given to such terms in the Lease. As used in this Amendment, the following terms shall have the respective meanings indicated below:

(a)    "Additional Premises" shall mean the premises on the first floor of the Building consisting of approximately 19,364 rentable square feet, as shown on the plan attached hereto as Exhibit A; and

(b)    "Additional Premises Commencement Date" shall mean the earlier of (i) Tenant's occupancy of the Additional Premises for business purposes or (ii) Landlord's Substantial Completion of the Additional Premises.

(c)    "Scheduled Additional Premises Commencement Date" is July 1, 2015.

3.    Additional Premises. Effective as of the Additional Premises Commencement Date:

(a)    the Leased Premises shall consist of the Initial Premises and the Additional Premises;

(b)    the total square footage of the Leased Premises shall be increased by the square footage of the Additional Premises (i.e., from 15,254 square feet to an aggregate total of 34,618 square feet);

(c)    accordingly, Tenant's Cost Percentage shall be increased to 66.6% (34,618/51,954); and

(d)    the Term of the Lease with respect to the Additional Premises shall be coterminous with the Term of the Lease for the Initial Premises (i.e., shall expire on May 31, 2018, subject to extension or earlier termination as provided in the Lease).

4.    Rent.

(a)    Initial Premises Minimum Rent. Tenant shall continue to pay Minimum Rent for the Initial Premises as set forth in the Lease until the Additional Premises Commencement Date.

(b)    Minimum Rent following the Additional Premises Commencement Date. Effective as of the Additional Premises Commencement Date, Tenant shall pay Minimum Annual Rent for the Leased Premises equal to $640,433 (i.e., $18.50 per square foot of the Leased Premises), payable in equal monthly installments of $53,369.42 each.

(c)    Additional Rent. Tenant shall continue to pay Additional Rent for the Leased Premises in accordance with the terms and conditions of the Lease, except, however, that effective as of the Additional Premises Commencement Date, Tenant's Cost Percentage shall be increased as provided in Section 3(c) above.

5.    Additional Premises Workletter Agreement. Landlord shall perform, or cause to be performed, all work required to be performed by Landlord pursuant to the Additional Premises Workletter Agreement.

6.    Time for Substantial Completion. Subject to delays resulting from Tenant Delays (as that term is defined in the Additional Premises Workletter Agreement), Landlord shall use commercially reasonable efforts to cause the Additional Premises to be Substantially Completed according to the Plans (as that term is defined in the Additional Premises Workletter Agreement) on or before the Scheduled Additional Premises Commencement Date. Notwithstanding anything to the contrary set forth herein (including the fact that the Term for the Additional Premises has not commenced), the obligation of the Tenant to pay Minimum Rent and Additional Rent for the Additional Premises hereunder shall commence on the date, as reasonably determined by Landlord, on which the Additional Premises would have been Substantially Completed but for Tenant Delays. Landlord shall provide Tenant with not less than five (5) days' advance written notice of the estimated date of Substantial Completion if such date varies by more than five (5) days from the Scheduled Additional Premises Commencement Date. In the event Landlord fails to provide such notice, and if such notice is required, the date of Substantial Completion shall not be earlier than ten (10) days from the date of such notice from Landlord.

7.    Acceptance of Additional Premises. Upon Substantial Completion of the Additional Premises, and prior to Tenant's occupancy thereof, Tenant shall deliver to Landlord a letter agreement in the form attached hereto as Exhibit C (the "Additional Premises Letter Agreement"). By its execution of the Additional Premises Letter Agreement and occupancy of the Additional Premises, Tenant shall be deemed to represent and certify that it has examined the Additional Premises and that it thereby accepts the Additional Premises in its condition at the time, subject to latent defects which could not be reasonably observed by a professional inspection of the Additional Premises, Punch List Items (as that term is defined in the Additional Premises Workletter Agreement) set forth in the Additional Premises Letter Agreement, and Landlord's obligations set forth in Section 6.6 of the Lease. Landlord shall review the Punch List Items with Tenant and correct all undisputed Punch List Items within thirty (30) days after receipt of the Additional Premises Letter Agreement; provided that, if any Punch List Item cannot be corrected within such thirty (30) day period despite reasonable diligence by Landlord, then, so long as Landlord commences correction of such Punch List Item within such thirty (30) day period and diligently pursues such correction to completion, no default by Landlord shall be deemed to have occurred. Except as expressly provided above, Tenant, by occupying the Additional Premises, is accepting the same in its "as-is" condition, without warranties of any type, expressed or implied.

8.    Delayed Completion. If the Additional Premises is not Substantially Completed on or before the Scheduled Additional Premises Commencement Date; then, except as otherwise provided in Section 6 of this Amendment with respect to delays in Substantial Completion of the Additional Premises caused by Tenant Delays, (a) as Tenant's sole and exclusive remedy, the obligation of Tenant to pay Rent shall not commence until the date the Additional Premises is Substantially Completed (or such earlier date as Tenant occupies the Additional Premises); and (b) Landlord shall not be liable to Tenant for any loss, cost or damage arising from such delay.

9.    Lease in Full Force and Effect. Except as expressly provided herein, all of the terms and provisions of the Lease shall remain in full force and effect.

IN WITNESS WHEREOF, the parties have executed this Amendment as of the date first above written.

Tenant: First Internet Bank of Indiana

Landlord: First Internet Bancorp

Tenant and Landlord are executing simultaneously with this Additional Premises Workletter Agreement (the "Additional Premises Workletter Agreement") an amendment to the Lease ("Amendment"), covering the space referred to above, as more particularly described in the Amendment ("Additional Premises"). All terms used herein with initial capital letters and not otherwise defined herein shall have the same meaning as in the Lease, as amended by the Amendment.

To induce Tenant to enter into the Amendment and in consideration of the covenants hereinafter contained, Landlord and Tenant mutually agree as follows:

In no event shall any change be permitted without an executed Change Order.

items or improvements which Landlord requires Tenant to remove at the expiration or earlier termination of the Lease pursuant to Section 3.2 of the Lease.

Tenant's obligation to pay Minimum Rent and Additional Rent shall commence as of such earlier date, as reasonably determined by Landlord, on which the Additional Premises would have been substantially completed but for such Tenant Delays.

This Additional Premises Workletter Agreement constitutes all of Landlord's agreement with Tenant with respect to the work to be performed by Landlord on Tenant's behalf in the Additional Premises, and no additional agreements or obligations shall be effective unless signed by both Landlord and Tenant.

    

THIS AGREEMENT is made as of the 1^st  day of July , 2015, between FIRST INTERNET BANCORP (hereinafter referred to as "Landlord"), and FIRST INTERNET BANK OF INDIANA (hereinafter referred to as "Tenant").

WHEREAS, by that certain Office Lease (hereinafter called "Original Lease") made as of March 6, 2013, Landlord leased to Tenant certain premises (the "Initial Premises"), located at 11201 USA Parkway, Fishers, Indiana, for an initial term of five (5) years, unless sooner terminated or extended as provided therein;

WHEREAS, by that certain Amendment to Office Lease made as of July 1, 2015, (hereinafter called "Amendment", and together with the Original Lease, hereinafter called the "Lease"), Landlord leased to Tenant the Additional Premises (as defined in the Lease), for a term that is coterminous with the Term (as defined in the Lease); and

WHEREAS, Landlord and Tenant now desire to set forth the Additional Premises Commencement Date (as this term is defined in the Lease), and to acknowledge Tenant's acceptance of the Additional Premises.

NOW, THEREFORE, Landlord and Tenant do hereby agree as follows:

IN WITNESS WHEREOF, the parties hereto have caused this agreement to be duly executed as of the day and year first above written.