Common use of CERTAIN Clause in Contracts

CERTAIN. DEFINITIONS 1 1.1 Certain Definitions 1 1.2 Accounting Term 8 ARTICLE 2. THE P&A TRANSACTION 8 2.1 Purchase and Sale of Assets 8 2.2 Assumption of Liabilities 9 2.3 Purchase Price 10 2.4 Assumption of XXX Account Deposits 10 ARTICLE 3. CLOSING PROCEDURES; ADJUSTMENTS 10 3.1 Closing 10 3.2 Payment at Closing 11 3.3 Adjustment of Purchase Price 11 3.4 Proration; Other Closing Date Adjustments 12 3.5 Seller Deliveries. At the Closing, Seller shall deliver to Purchaser: 12 3.6 Purchaser Deliveries. At the Closing, Purchaser shall deliver to Seller: 13 3.7 Real Property Filings 14 3.8 Allocation of Purchase Price 14 ARTICLE 4. TRANSITIONAL MATTERS 15 4.1 Transitional Arrangements 15 4.2 Customers 16 4.3 Direct Deposits 17 4.4 Direct Debits 17 4.5 Access to Records 18 4.6 Interest Reporting and Withholding 18 4.7 Negotiable Instruments 19 4.8 ATM/Debit Cards; POS Cards 19 4.9 Data Processing Conversion for the Office and Handling of Certain Items 19 4.10 Expenses Relating to Transitional Matters 21 ARTICLE 5. REPRESENTATIONS AND WARRANTIES OF SELLER AND HOLDCO 21 5.1 Corporate Organization and Authority 21 5.2 No Conflicts 21 5.3 Approvals and Consents 22 5.4 Litigation and Undisclosed Liabilities 22 5.5 Regulatory Matters 22 5.6 Compliance with Laws 23 5.7 Records 23 5.8 Title to Assets 23 5.9 Deposits 23 5.10 Environmental Laws; Hazardous Substances. The Real Property: 24 5.11 Brokers’ Fees 24 5.12 Property 24 5.13 Absence of Certain Changes or Events 25 5.14 Available Funds 25 5.15 Post-Closing Condition 25 5.16 Limitations on Representations and Warranties 25

CERTAIN. DEFINITIONS 1 1.1 Certain Definitions 1 1.2 Accounting Term 8 Interpretation; Drafting 1 ARTICLE 2. 2 THE P&A TRANSACTION 8 ACQUISITION 2 2.1 Acquisition of Interests 2 2.2 Purchase and Sale of Assets 8 2.2 Assumption of Liabilities 9 Price 2 2.3 Purchase Price 10 2.4 Assumption Adjustment 3 ARTICLE 3 EFFECTIVE TIME; THE CLOSING 5 3.1 Effective Time 5 3.2 Time and Place of XXX Account Deposits 10 Closing 5 3.3 Closing Deliveries of the Company and the Seller 5 3.4 Closing Deliveries of Purchaser 6 ARTICLE 3. CLOSING PROCEDURES; ADJUSTMENTS 10 3.1 Closing 10 3.2 Payment at Closing 11 3.3 Adjustment of Purchase Price 11 3.4 Proration; Other Closing Date Adjustments 12 3.5 Seller Deliveries. At the Closing, Seller shall deliver to Purchaser: 12 3.6 Purchaser Deliveries. At the Closing, Purchaser shall deliver to Seller: 13 3.7 Real Property Filings 14 3.8 Allocation of Purchase Price 14 ARTICLE 4. TRANSITIONAL MATTERS 15 4.1 Transitional Arrangements 15 4.2 Customers 16 4.3 Direct Deposits 17 4.4 Direct Debits 17 4.5 Access to Records 18 4.6 Interest Reporting and Withholding 18 4.7 Negotiable Instruments 19 4.8 ATM/Debit Cards; POS Cards 19 4.9 Data Processing Conversion for the Office and Handling of Certain Items 19 4.10 Expenses Relating to Transitional Matters 21 ARTICLE 5. 4 REPRESENTATIONS AND WARRANTIES OF THE SELLER 7 4.1 Authorization of Agreement 7 4.2 Conflicts; Consent of Third Parties 7 4.3 Ownership and Transfer of Interests 8 ARTICLE 5 REPRESENTATIONS AND HOLDCO 21 WARRANTIES OF THE COMPANY AND THE SELLER 8 5.1 Corporate Organization Existence and Qualification; Capitalization 8 5.2 Subsidiaries 9 5.3 Authority 21 5.2 9 5.4 No Conflicts 21 5.3 Approvals 9 5.5 Taxes 9 5.6 Brokers and Consents 22 5.4 Intermediaries 9 5.7 No Other Representations and Warranties 10 ARTICLE 6 REPRESENTATIONS AND WARRANTIES OF PURCHASER 11 6.1 Existence and Qualification 11 6.2 Authority 12 6.3 No Conflicts 12 6.4 Litigation 12 6.5 Knowledge of Breaches 12 6.6 Brokers and Undisclosed Liabilities 22 5.5 Regulatory Matters 22 5.6 Compliance with Laws 23 5.7 Records 23 5.8 Title to Assets 23 5.9 Deposits 23 5.10 Environmental LawsIntermediaries 12 6.7 Non-Reliance; Hazardous Substances. The Real Property: 24 5.11 Brokers’ Fees 24 5.12 Property 24 5.13 Absence of Certain Changes or Events 25 5.14 Available Funds 25 5.15 No Additional Seller Representations 12 ARTICLE 7 ADDITIONAL COVENANTS AND AGREEMENTS OF PARTIES 13 7.1 Approvals; Further Assurances 13 7.2 Post-Closing Condition 25 5.16 Limitations on Representations and Warranties 25Tax Matters 13 7.3 Release 17

CERTAIN. DEFINITIONS 1 1.1 Certain Definitions 1 1.2 Accounting Term 8 Terms 13 ARTICLE 2. 2 THE P&A TRANSACTION 8 13 2.1 Purchase and Sale of Assets 8 13 2.2 Assumption of Liabilities 9 14 2.3 Purchase Price 10 15 2.4 Assumption Calculation of XXX Account Deposits 10 Loans to be Transferred 15 ARTICLE 3. 3 CLOSING PROCEDURES; ADJUSTMENTS 10 17 3.1 Closing 10 17 3.2 Payment at Closing 11 17 3.3 Adjustment of Purchase Price 11 17 3.4 Proration; Other Closing Date Adjustments 12 18 3.5 Seller Deliveries. At the Closing, Seller shall deliver to Purchaser: 12 Deliveries 19 3.6 Purchaser Deliveries. At Deliveries 20 3.7 Delivery of the Closing, Purchaser shall deliver to Seller: 13 3.7 Loan Documents 21 3.8 Owned Real Property Filings 14 3.8 21 3.9 Allocation of Purchase Price 14 21 ARTICLE 4. 4 TRANSITIONAL MATTERS 15 22 4.1 Transitional Arrangements 15 22 4.2 Customers 16 23 4.3 Direct Deposits 17 ACH Debit or Credit Transactions 24 4.4 Direct Debits 17 Wires 25 4.5 Access to Records 18 26 4.6 Interest Reporting and Withholding 18 26 4.7 Negotiable Instruments 19 27 4.8 ATM/Debit Cards; POS Cards 19 27 4.9 Data Processing Conversion for the Office Branches and Handling of Certain Items 19 27 4.10 Infrastructure Installation 29 4.11 Employee Training 31 4.12 Expenses Relating to Transitional Matters 21 31 4.13 Access to the Branches on the Closing Date 31 4.14 Customer Claims 32 ARTICLE 5. 5 REPRESENTATIONS AND WARRANTIES OF SELLER AND HOLDCO 21 33 5.1 Corporate Organization and Authority 21 33 5.2 No Conflicts 21 33 5.3 Approvals and Consents 22 34 5.4 Leases 34 5.5 Litigation and Undisclosed Liabilities 22 5.5 34 5.6 Regulatory Matters 22 5.6 35 5.7 Compliance with Laws 23 5.7 35 5.8 Loans 35 5.9 Records 23 5.8 37 5.10 Title to Assets 23 5.9 37 5.11 Deposits 23 5.10 37 5.12 Environmental Laws; Hazardous Substances. The Real Property: 24 5.11 Material 37 5.13 Brokers’ Fees 24 5.12 38 5.14 Property 24 5.13 38 5.15 Absence of Certain Changes or Events 25 5.14 39 5.16 Employee Benefit Plans; Labor Matters 40 5.17 Available Funds 25 5.15 Post-Closing Condition 25 5.16 41 5.18 Limitations on Representations and Warranties 2541 ARTICLE 6 REPRESENTATIONS AND WARRANTIES OF PURCHASER 41 6.1 Corporate Organization and Authority 41 6.2 No Conflicts 41 6.3 Approvals and Consents 41 6.4 Regulatory Matters 42 6.5 Litigation and Undisclosed Liabilities 43 6.6 Operation of the Branches 43 6.7 Brokers’ Fees 43 6.8 Financing to be Available 43 6.9 Limitations on Representations and Warranties 43

CERTAIN. DEFINITIONS 1 1.1 Certain Definitions 1 1.2 Accounting Term 8 Terms 13 ARTICLE 2. 2 THE P&A TRANSACTION 8 13 2.1 Purchase and Sale of Assets 8 13 2.2 Assumption of Liabilities 9 14 2.3 Purchase Price 10 14 2.4 Assumption Calculation of XXX Account Deposits 10 Loans to be Transferred 15 ARTICLE 3. 3 CLOSING PROCEDURES; ADJUSTMENTS 10 16 3.1 Closing 10 16 3.2 Payment at Closing 11 17 3.3 Adjustment of Purchase Price 11 17 3.4 Proration; Other Closing Date Adjustments 12 18 3.5 Seller Deliveries. At the Closing, Seller shall deliver to Purchaser: 12 Deliveries 18 3.6 Purchaser Deliveries. At Deliveries 20 3.7 Delivery of the Closing, Purchaser shall deliver to Seller: 13 3.7 Loan Documents 21 3.8 Owned Real Property Filings 14 3.8 21 3.9 Allocation of Purchase Price 14 21 ARTICLE 4. 4 TRANSITIONAL MATTERS 15 22 4.1 Transitional Arrangements 15 22 4.2 Customers 16 23 4.3 Direct Deposits 17 ACH Debit or Credit Transactions 24 4.4 Direct Debits 17 Wires 25 4.5 Access to Records 18 26 4.6 Interest Reporting and Withholding 18 26 4.7 Negotiable Instruments 19 27 4.8 ATM/Debit Cards; POS Cards 19 27 4.9 Data Processing Conversion for the Office Branches and Handling of Certain Items 19 27 4.10 Infrastructure Installation 28 4.11 Employee Training 30 4.12 Expenses Relating to Transitional Matters 21 31 4.13 Access to the Branches on the Closing Date 31 4.14 Customer Claims 31 ARTICLE 5. 5 REPRESENTATIONS AND WARRANTIES OF SELLER AND HOLDCO 21 33 5.1 Corporate Organization and Authority 21 33 5.2 No Conflicts 21 33 5.3 Approvals and Consents 22 34 5.4 Leases 34 5.5 Litigation and Undisclosed Liabilities 22 5.5 34 5.6 Regulatory Matters 22 5.6 34 5.7 Compliance with Laws 23 5.7 35 5.8 Loans 35 5.9 Records 23 5.8 37 5.10 Title to Assets 23 5.9 37 5.11 Deposits 23 5.10 37 5.12 Environmental Laws; Hazardous Substances. The Real Property: 24 5.11 Material 37 5.13 Brokers’ Fees 24 5.12 38 5.14 Property 24 5.13 38 5.15 Absence of Certain Changes or Events 25 5.14 39 5.16 Employee Benefit Plans; Labor Matters 39 5.17 Available Funds 25 5.15 Post-Closing Condition 25 5.16 40 5.18 Limitations on Representations and Warranties 2540 ARTICLE 6 REPRESENTATIONS AND WARRANTIES OF PURCHASER 40 6.1 Corporate Organization and Authority 40 6.2 No Conflicts 41 6.3 Approvals and Consents 41 6.4 Regulatory Matters 41 6.5 Litigation and Undisclosed Liabilities 42 6.6 Operation of the Branches 42 6.7 Brokers’ Fees 42 6.8 Financing to be Available 42 6.9 Limitations on Representations and Warranties 43

CERTAIN. DEFINITIONS 1 1.1 Certain Definitions 1 1.2 Accounting Term 8 Terms 13 ARTICLE 2. 2 THE P&A TRANSACTION 8 13 2.1 Purchase and Sale of Assets 8 13 2.2 Assumption of Liabilities 9 14 2.3 Purchase Price 10 15 2.4 Assumption Calculation of XXX Account Deposits 10 Loans to be Transferred 15 ARTICLE 3. 3 CLOSING PROCEDURES; ADJUSTMENTS 10 17 3.1 Closing 10 17 3.2 Payment at Closing 11 17 3.3 Adjustment of Purchase Price 11 17 3.4 Proration; Other Closing Date Adjustments 12 18 3.5 Seller Deliveries. At the Closing, Seller shall deliver to Purchaser: 12 Deliveries 19 3.6 Purchaser Deliveries. At Deliveries 20 3.7 Delivery of the Closing, Purchaser shall deliver to Seller: 13 3.7 Loan Documents 21 3.8 Owned Real Property Filings 14 3.8 21 3.9 Allocation of Purchase Price 14 21 ARTICLE 4. 4 TRANSITIONAL MATTERS 15 22 4.1 Transitional Arrangements 15 22 4.2 Customers 16 23 4.3 Direct Deposits 17 ACH Debit or Credit Transactions 24 4.4 Direct Debits 17 Wires 25 4.5 Access to Records 18 26 4.6 Interest Reporting and Withholding 18 26 4.7 Negotiable Instruments 19 27 4.8 ATM/Debit Cards; POS Cards 19 27 4.9 Data Processing Conversion for the Office Branches and Handling of Certain Items 19 27 4.10 Infrastructure Installation 29 4.11 Employee Training 31 4.12 Expenses Relating to Transitional Matters 21 31 4.13 Access to the Branches on the Closing Date 31 4.14 Customer Claims 32 ARTICLE 5. 5 REPRESENTATIONS AND WARRANTIES OF SELLER AND HOLDCO 21 33 5.1 Corporate Organization and Authority 21 33 5.2 No Conflicts 21 33 5.3 Approvals and Consents 22 34 5.4 Leases 34 5.5 Litigation and Undisclosed Liabilities 22 5.5 34 5.6 Regulatory Matters 22 5.6 35 5.7 Compliance with Laws 23 5.7 35 5.8 Loans 35 5.9 Records 23 5.8 37 5.10 Title to Assets 23 5.9 37 5.11 Deposits 23 5.10 37 5.12 Environmental Laws; Hazardous Substances. The Real Property: 24 5.11 Material 37 5.13 Brokers’ Fees 24 5.12 38 5.14 Property 24 5.13 38 5.15 Absence of Certain Changes or Events 25 5.14 39 5.16 Employee Benefit Plans; Labor Matters 40 5.17 Available Funds 25 5.15 Post-Closing Condition 25 5.16 41 5.18 Limitations on Representations and Warranties 2541 ARTICLE 6 REPRESENTATIONS AND WARRANTIES OF PURCHASER 41 6.1 Corporate Organization and Authority 41 6.2 No Conflicts 41 6.3 Approvals and Consents 41 6.4 Regulatory Matters 42 6.5 Litigation and Undisclosed Liabilities 43 6.6 Operation of the Branches 43 6.7 Brokers’ Fees 43 6.8 Financing to be Available 43 6.9 Limitations on Representations and Warranties 43