Common use of Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information Clause in Contracts

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge of, has been advised of, or has any reason to believe that any facts or circumstances exist which would cause Company or the Bank to be deemed: (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank is aware of any facts or circumstances that would cause Company or the Bank to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company or the Bank to undertake any material remedial action. The Board of Directors of Company and the Board of Directors of the Bank has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank Farmers is not aware of and has any Knowledge of, has not been advised ofin writing of any fact or circumstance exists, or has any reason to believe that any facts or circumstances exist which would cause Company Farmers or the Farmers Deposit Bank to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule law regulation or regulationrule; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulationslaws, including, including without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank pursuant to 12 C.F.R. Part 364Act. Neither Company nor the Bank Farmers is not aware of any facts or circumstances that would cause Company or the Bank Farmers to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company Farmers or the Bank any of its Subsidiaries to undertake any material remedial action. The Farmers Board (or, where appropriate, the board of Directors directors of Company and the Board of Directors of the Bank Farmers Deposit Bank) has adopted and implemented an anti-money laundering program that contains to the Knowledge of Farmers adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have Farmers (or Farmers Deposit Bank) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge Except as Previously Disclosed, TCNB is not aware of, has not been advised in writing of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company TCNB or the National Bank to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulationsLaws, including, including without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank pursuant to 12 C.F.R. Part 3641999. Neither Company nor the Bank TCNB is not aware of any facts or circumstances that would cause Company or the Bank TCNB to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company TCNB or the National Bank to undertake any material remedial action. The Board of Directors of Company and the Board of Directors of the National Bank has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the National Bank have has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge Each of Parent and First Financial is not aware of, has not been advised of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company it or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank Parent and First Financial pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank It is not aware of any facts or circumstances that would cause Company or the Bank it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company it or the Bank any of its Subsidiaries to undertake any material remedial action. The Each of Board of Directors of Company Parent and First Financial (or, where appropriate, the Board of Directors of the Bank any of their Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification - 39 - procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have it (or such other of its Subsidiaries) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge Each of Parent and First Financial is not aware of, has not been advised of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company it or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the XxxxxGxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank Parent and First Financial pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank It is not aware of any facts or circumstances that would cause Company or the Bank it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company it or the Bank any of its Subsidiaries to undertake any material remedial action. The Each of Board of Directors of Company Parent and First Financial (or, where appropriate, the Board of Directors of the Bank any of their Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have it (or such other of its Subsidiaries) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge NewDominion is not aware of, has not been advised of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company it or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank NewDominion pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank It is not aware of any facts or circumstances that would cause Company or the Bank it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company it or the Bank any of its Subsidiaries to undertake any material remedial action. The Board of Directors of Company and NewDominion (or, where appropriate, the Board of Directors of the Bank any of NewDominion’s Subsidiaries) has adopted and implemented an anti-anti- money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have it (or such other of its Subsidiaries) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge First Bexley is not aware of, has not been advised of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company it or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank First Bexley pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank It is not aware of any facts or circumstances that would cause Company or the Bank it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company it or the Bank any of its Subsidiaries to undertake any material remedial action. The Board of Directors of Company and First Bexley (or, where appropriate, the Board of Directors of the Bank any of First Bexley’s Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have it (or such other of its Subsidiaries) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge of, has been advised of, or has any reason to believe that any facts or circumstances exist which would cause Company or the Bank to be deemed: (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the XxxxxGxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank is aware of any facts or circumstances that would cause Company or the Bank to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company or the Bank to undertake any material remedial action. The Board of Directors of Company and the Board of Directors of the Bank has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge Park is not aware of, has not been advised in writing of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company Park or the Bank any of its Subsidiaries to be deemed: deemed (ia) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (iib) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the XxxxxGxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank Park is not aware of any facts or circumstances that would cause Company or the Bank Park to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company Park or the Bank any of its Subsidiaries to undertake any material remedial action. The Park Board of Directors (or, where appropriate, the board of Company and the Board directors of Directors any of the Bank Park’s Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have Park (or such other of its Subsidiaries) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge Except as set forth in First Capital’s Disclosure Schedule listed under Section 5.03(z), First Capital is not aware of, has not been advised in writing of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company First Capital or the Bank Citizens to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationlaw; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulationslaws, including, including without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank pursuant to 12 C.F.R. Part 364Act. Neither Company nor the Bank First Capital is not aware of any facts or circumstances that would cause Company or the Bank First Capital to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company First Capital or the Bank any of its Subsidiaries to undertake any material remedial action. The First Capital Board (or, where appropriate, the board of Directors directors of Company and the Board of Directors of the Bank Citizens) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have First Capital (or Citizens) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither The Company nor the Bank has any Knowledge is not aware of, has not been advised of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company it or the Bank any of its Subsidiaries to be deemed: deemed (ia) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (iib) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Company or Company Bank pursuant to 12 C.F.R. Part 364. Neither The Company nor the Bank is not aware of any facts or circumstances that would cause Company or the Bank it to believe that any non-public customer information or information technology networks controlled by and material to the operation of the business of the Company and its Subsidiaries has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company it or the Bank any of its Subsidiaries to undertake any material remedial action. The Board of Directors of the Company and (or, where appropriate, the Board of Directors of any of the Bank Company’s Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have it (or such other of its Subsidiaries) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge Park is not aware of, has not been advised in writing of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company Park or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulationsLaws, including, without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank Park pursuant to 12 C.F.R. C.F.R Part 36440. Neither Company nor the Bank Park is not aware of any facts or circumstances that would cause Company or the Bank Park to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company Park or the Bank any of its Subsidiaries to undertake any material remedial action. The Park Board (or, where appropriate, the board of Directors directors of Company and the Board one of Directors of the Bank Park’s Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and Park (or the Bank have appropriate Subsidiary) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge of, has been advised of, or has any reason to believe that Comunibanc is not aware of any facts or circumstances exist circumstances, which would cause Company Comunibanc or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statutelaw, rule or regulation; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulationslaws, including, including without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank pursuant to 12 C.F.R. Part 364Act. Neither Company nor the Bank Comunibanc is not aware of any facts or circumstances that would cause Company or the Bank Comunibanc to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company Comunibanc or the Bank any of its Subsidiaries to undertake any material remedial action. The Comunibanc Board (or, where appropriate, the governing bodies of Directors of Company and the Board of Directors of the Bank its Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply comply, in all material respects, with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have Comunibanc (or its Subsidiaries) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge Each of Parent and Park National is not aware of, has not been advised of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company it or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank Parent and Park National pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank It is not aware of any facts or circumstances that would cause Company or the Bank it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company it or the Bank any of its Subsidiaries to undertake any material remedial action. The Each of Board of Directors of Company Parent and Park National (or, where appropriate, the Board of Directors of the Bank any of their Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have it (or such other of its Subsidiaries) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank Customers is not aware of and has any Knowledge of, has not been advised of, or has any reason to believe that of any facts or circumstances exist which would cause Company it or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and applicable state privacy laws Laws and regulations, including, without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank Customers pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank Customers is not aware of any facts or circumstances that would cause Company or the Bank to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company it or the Bank any of its Subsidiaries to undertake any material remedial action. The Customers Board (or, where appropriate, the board of Directors directors of Company and the Board any of Directors of the Bank Customers’ Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have it (or such other of its Subsidiaries) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank Customers is not aware of and has any Knowledge of, has not been advised of, or has any reason to believe that of any facts or circumstances exist which would cause Company it or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and applicable state privacy laws Laws and regulations, including, without limitation, in Title V of the XxxxxGxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank Customers pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank Customers is not aware of any facts or circumstances that would cause Company or the Bank to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company it or the Bank any of its Subsidiaries to undertake any material remedial action. The Customers Board (or, where appropriate, the board of Directors directors of Company and the Board any of Directors of the Bank Customers’ Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have it (or such other of its Subsidiaries) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge BNB is not aware of, has not been advised in writing of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company BNB or the BNB Bank to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationlaw; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulationslaws, including, including without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank pursuant to 12 C.F.R. Part 364Act. Neither Company nor the Bank BNB is not aware of any facts or circumstances that would cause Company or the Bank BNB to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company BNB or the BNB Bank to undertake any material remedial action. The BNB Board (or, where appropriate, the board of Directors directors of Company and the Board of Directors of the Bank BNB Bank) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have BNB (or BNB Bank) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the The Bank has any Knowledge is not aware of, has not been advised of, or and, to the Bank’s knowledge, has any no reason to believe that any facts or circumstances exist exist, which would cause Company or the Bank it to be deemed: deemed to be not (i) to be operating in violation compliance, in any all material respect of respects, with the Bank Secrecy ActAct of 1970, as amended, the Patriot Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (also known as the USA PATRIOT Act), any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or and (ii) not to be operating in satisfactory compliance in any all material respect respects with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank pursuant to 12 C.F.R. Part 364. Neither Company nor the The Bank is not aware of any facts or circumstances that would cause Company or the Bank it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company or the Bank it to undertake any material remedial action. The Bank’s Board of Directors of Company and the Board of Directors of the Bank has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot USA PATRIOT Act and the regulations thereunder, and Company and the Bank have it has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot USA PATRIOT Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge Park is not aware of, has not been advised in writing of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company Park or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulationsLaws, including, without limitation, in Title V of the XxxxxGxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank Park pursuant to 12 C.F.R. C.F.R Part 36440. Neither Company nor the Bank Park is not aware of any facts or circumstances that would cause Company or the Bank Park to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company Park or the Bank any of its Subsidiaries to undertake any material remedial action. The Park Board (or, where appropriate, the board of Directors directors of Company and the Board one of Directors of the Bank Park’s Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and Park (or the Bank have appropriate Subsidiary) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge Vision Bancshares is not aware of, has not been advised in writing of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company Vision Bancshares or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulationsLaws, including, including without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank Vision Bancshares pursuant to 12 C.F.R. Part 36440. Neither Company nor the Bank Vision Bancshares is not aware of any facts or circumstances that would cause Company or the Bank Vision Bancshares to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company Vision Bancshares or the Bank any of its Subsidiaries to undertake any material remedial action. The Vision Bancshares Board (or, where appropriate, the board of Directors directors of Company and the Board one of Directors of the Bank Vision Bancshares’ Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and Vision Bancshares (or the Bank have appropriate Subsidiary) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge Insight is not aware of, has not been advised of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company or the Bank it to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the XxxxxGxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank Insight pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank Insight is not aware of any facts or circumstances that would cause Company or the Bank it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company or the Bank it to undertake any material remedial action. The Board of Directors of Company and the Board of Directors of the Bank Insight has adopted and implemented an anti-money laundering program that that, to Insight’s Knowledge, contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have it has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank FNHC has any no Knowledge of, of and has not been advised ofin writing of any fact or circumstance exists, or has any reason to believe that any facts or circumstances exist which would cause Company FNHC or the Bank Xxxxxxx to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule law regulation or regulationrule; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulationslaws, including, including without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank pursuant to 12 C.F.R. Part 364Act. Neither Company nor the Bank is aware of any facts or circumstances that would cause Company or the Bank to believe FNHC has no Knowledge that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company FNHC or the Bank any of its Subsidiaries to undertake any material remedial action. The FNHC Board (or, where appropriate, the board of Directors directors of Company and the Board of Directors of the Bank Xxxxxxx) has adopted and implemented an anti-money laundering program that contains contains, to the Knowledge of FNHC, adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have FNHC (or Xxxxxxx) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge Main Street is not aware of, has not been advised of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company it or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank It is not aware of any facts or circumstances that would cause Company or the Bank it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company it or the Bank any of its Subsidiaries to undertake any material remedial action. The Main Street Board (or, where appropriate, the board of Directors directors of Company and the Board any of Directors of the Bank Main Street’s Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have it (or such other of its Subsidiaries) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge Parent is not aware of, has not been advised of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company it or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulations, including, - 54 - without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank Parent and Park National pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank It is not aware of any facts or circumstances that would cause Company or the Bank it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company it or the Bank any of its Subsidiaries to undertake any material remedial action. The Board of Directors of Company and Parent (or, where appropriate, the Board of Directors of the Bank any of its Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have it (or such other of its Subsidiaries) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge CNC is not aware of, has not been advised in writing of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company CNC or the CNC Bank to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulationsLaws, including, including without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank pursuant to 12 C.F.R. Part 3641999. Neither Company nor the Bank CNC is not aware of any facts or circumstances that would cause Company or the Bank CNC to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company CNC or the Bank any of its Subsidiaries to undertake any material remedial action. The CNC Board (or, where appropriate, the board of Directors directors of Company and the Board of Directors of the Bank CNC Bank) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have CNC (or CNC Bank) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the The Bank has any Knowledge of, has not been advised of, or and CBC has any no reason to believe that any facts or circumstances exist exist, which would cause Company or the Bank to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationlaw; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulationslaws, including, including without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and Act, except to the regulations promulgated thereunder, as well as extent such violations or noncompliance would not reasonably be expected to have a Material Adverse Effect on CBC or the provisions of the information security program adopted by the Bank pursuant to 12 C.F.R. Part 364Bank. Neither Company nor the Bank CBC is not aware of any facts or circumstances that would cause Company or the Bank CBC to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company or the Bank to undertake any material remedial action. The Bank Board of Directors of Company and the Board of Directors of the Bank has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge CABF is not aware of, has not been advised of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company it or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the CABF or Carolina Alliance Bank pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank CABF is not aware of any facts or circumstances that would cause Company or the Bank it to believe that any non-public customer information or information technology networks controlled by and material to the operation of the business of CABF and its Subsidiaries has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company it or the Bank any of its Subsidiaries to undertake any material remedial action. The Board of Directors of Company and CABF (or, where appropriate, the Board of Directors of the Bank any of CABF’s Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have it (or such other of its Subsidiaries) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge Axxxxxxx is not aware of, has not been advised in writing of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company or the Bank Axxxxxxx to be deemed: deemed (ia) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (iib) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and or state privacy laws and regulations, including, without limitation, in Title V of the XxxxxGxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank pursuant to 12 C.F.R. Part 364. Neither Company nor the Bank Axxxxxxx is not aware of any facts or circumstances that would cause Company or the Bank Axxxxxxx to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company or the Bank Axxxxxxx to undertake any material remedial action. The Board of Directors of Company and the Board of Directors of the Bank Axxxxxxx has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and the Bank have Axxxxxxx has complied in all material respects with any requirements to file fill reports and other necessary documents as required by the Patriot Act and the regulations thereunder.

Bank Secrecy Act, Anti-Money Laundering and OFAC and Customer Information. Neither Company nor the Bank has any Knowledge Vision Bancshares is not aware of, has not been advised in writing of, or and has any no reason to believe that any facts or circumstances exist exist, which would cause Company Vision Bancshares or the Bank any of its Subsidiaries to be deemed: deemed (i) to be operating in violation in any material respect of the Bank Secrecy Act, the Patriot Act, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (ii) not to be in satisfactory compliance in any material respect with the applicable privacy and customer information requirements contained in any federal and state privacy laws and regulationsLaws, including, including without limitation, in Title V of the XxxxxGxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by the Bank Vision Bancshares pursuant to 12 C.F.R. Part 36440. Neither Company nor the Bank Vision Bancshares is not aware of any facts or circumstances that would cause Company or the Bank Vision Bancshares to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause Company Vision Bancshares or the Bank any of its Subsidiaries to undertake any material remedial action. The Vision Bancshares Board (or, where appropriate, the board of Directors directors of Company and the Board one of Directors of the Bank Vision Bancshares’ Subsidiaries) has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the Patriot Act and the regulations thereunder, and Company and Vision Bancshares (or the Bank have appropriate Subsidiary) has complied in all material respects with any requirements to file reports and other necessary documents as required by the Patriot Act and the regulations thereunder.