Common use of Bank Secrecy Act, Foreign Corrupt Practices Act and U.S.A. Patriot Act Clause in Contracts

Bank Secrecy Act, Foreign Corrupt Practices Act and U.S.A. Patriot Act. Fidelity Bank is in compliance in all material respects with the Bank Secrecy Act, the United States Foreign Corrupt Practices Act and the International Money Laundering Abatement and Anti-Terrorist Financing Act and all regulations promulgated thereunder. Except as would not be material to Fidelity Bank and the Fidelity Bank Subsidiaries, taken as a whole, Fidelity Bank (i) has properly certified all foreign deposit accounts and has made all necessary tax withholdings on all of its deposit accounts, (ii) has timely and properly filed and maintained all requisite Currency Transaction Reports and other related forms, including any requisite Custom Reports required by any agency of the U.S. Department of the Treasury, including the IRS, and (iii) has timely filed all Suspicious Activity Reports with the Financial Institutions – Financial Crimes Enforcement Network (U.S. Department of the Treasury) required to be filed by it pursuant to the laws and regulations referenced in this Section. 

Bank Secrecy Act, Foreign Corrupt Practices Act and U.S.A. Patriot Act. Fidelity The Bank is in material compliance in all material respects with the Bank Secrecy ActAct (12 U.S.C. §§ 1730(d) and 1829(b)), the United States Foreign Corrupt Practices Act and the International Money Laundering Abatement and Anti-Terrorist Financing Act Act, otherwise known as the U.S.A. Patriot Act, and all regulations promulgated thereunder. Except as would not be material to Fidelity Bank , and the Fidelity Bank Subsidiaries, taken as a whole, Fidelity Bank (i) has properly certified all foreign deposit accounts and has made all necessary tax withholdings on all of its deposit accounts; furthermore, (ii) the Bank has timely and properly filed and maintained all requisite Currency Transaction Reports and other related forms, including including, but not limited to, any requisite Custom Reports required by any agency of the U.S. Department of the TreasuryUnited States Treasury Department, including but not limited to the IRS, and (iii) . The Bank has timely filed all Suspicious Activity Reports with the Financial Institutions – - Financial Crimes Enforcement Network (U.S. Department of the Treasury) required to be filed by it pursuant to the laws and regulations referenced in this Section. .

Bank Secrecy Act, Foreign Corrupt Practices Act and U.S.A. Patriot Act. Fidelity Merchants Bank is in compliance in all material respects with the Bank Secrecy Act, the United States Foreign Corrupt Practices Act and the International Money Laundering Abatement and Anti-Terrorist Financing Act and all regulations promulgated thereunder. Except as would not be material to Fidelity have a Material Adverse Effect on MNB, Merchants Bank and the Fidelity Merchants Bank Subsidiaries, taken as a whole, Fidelity Merchants Bank (i) has properly certified all foreign deposit accounts and has made all necessary tax withholdings on all of its deposit accounts, (ii) has timely and properly filed and maintained all requisite Currency Transaction Reports and other related forms, including any requisite Custom Reports required by any agency of the U.S. Department of the Treasury, including the IRS, and (iii) has timely filed all Suspicious Activity Reports with the Financial Institutions – Financial Crimes Enforcement Network (U.S. Department of the Treasury) required to be filed by it pursuant to the laws and regulations referenced in this Section. 

Bank Secrecy Act, Foreign Corrupt Practices Act and U.S.A. Patriot Act. Fidelity UBNC Bank is in compliance in all material respects with the Bank Secrecy Act, the United States Foreign Corrupt Practices Act and the International Money Laundering Abatement and Anti-Terrorist Financing Act and all regulations promulgated thereunder. Except as would not be material to Fidelity Bank UBNC and the Fidelity Bank UBNC Subsidiaries, taken as a whole, Fidelity UBNC Bank (i) has properly certified all foreign deposit accounts and has made all necessary tax withholdings on all of its deposit accounts, (ii) has timely and properly filed and maintained all requisite Currency Transaction Reports and other related forms, including any requisite Custom Reports required by any agency of the U.S. Department of the Treasury, including the IRS, and (iii) has timely filed all Suspicious Activity Reports with the Financial Institutions – Financial Crimes Enforcement Network (U.S. Department of the Treasury) required to be filed by it pursuant to the laws and regulations referenced in this Section. .