Common use of CRA, Anti-money Laundering and Customer Information Security Clause in Contracts

CRA, Anti-money Laundering and Customer Information Security. Except as disclosed on Xxxxxx Disclosure Schedule 2.22, Xxxxxx is not aware of, has not been advised of, and has no reason to believe, that any facts or circumstances exist which would cause FCNB (a) to be deemed not to be in satisfactory compliance in any respect with the CRA, and the regulations promulgated thereunder, or to be assigned a rating for CRA purposes by federal or state bank regulators of lower than “satisfactory,” or (b) to be deemed to be operating in violation in any respect of the USA PATRIOT Act, the Bank Secrecy Act and any regulations or rules promulgated under either of the foregoing statutes, 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 (c) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of 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 regulations promulgated thereunder, as well as the provisions of the information security program adopted by Xxxxxx pursuant to 12 C.F.R. Part 364. Furthermore, the board of directors of FCNB has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification certification procedures that has not been deemed ineffective in any material respect by any Regulatory Authority and that meets the requirements in all material respects of Section 353 of the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-money Laundering and Customer Information Security. Except as disclosed on Xxxxxx Disclosure Schedule 2.22, Xxxxxx Neither Merchants nor Merchants Bank is not aware a party to any agreement with any individual or group regarding CRA matters and Merchants has no Knowledge of, and none of Merchants and its Subsidiaries has not been advised of, and or has no any reason to believebelieve (because of Merchants Bank’s Home Mortgage Disclosure Act data for the year ended December 31, 2014, filed with the FDIC, or otherwise) that any facts or circumstances exist exist, which would cause FCNB Merchants Bank: (ai) to be deemed not to be in satisfactory compliance in any respect with the CRA, and the regulations promulgated thereunder, or to be assigned a rating for CRA purposes by federal or state bank regulators of lower than “satisfactory,” or Satisfactory”; (bii) to be deemed to be operating in violation in any respect of the BSA and its implementing regulations (31 CFR Part 1000 et seq.), the USA PATRIOT Act, the Bank Secrecy Act and any the regulations or rules promulgated under either of the foregoing statutesthereunder, any order issued with respect to anti- 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 (ciii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer information requirements contained in any federal and state privacy and data security laws and regulations, including, without limitation, in Title V of the XxxxxGxxxx-Xxxxx-Xxxxxx Act of 1999 and regulations promulgated thereunder, as well as the provisions of the information security program adopted by Xxxxxx Merchants Bank pursuant to 12 C.F.R. Part 364. Furthermore, the board of directors of FCNB has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification certification procedures that has not been deemed ineffective in any material respect by any Regulatory Authority and that meets the requirements in all material respects of Section 353 of the USA PATRIOT Act and the regulations thereunder.C.F.R.

CRA, Anti-money Laundering and Customer Information Security. Except as disclosed on Xxxxxx Citizens Disclosure Schedule 2.22, Xxxxxx Citizens is not aware of, has not been advised of, and has no reason to believe, that any facts or circumstances exist which would cause FCNB CTC (a) to be deemed not to be in satisfactory compliance in any respect with the CRA, and the regulations promulgated thereunder, or to be assigned a rating for CRA purposes by federal or state bank regulators Regulatory Authorities of lower than “satisfactory,” or (b) to be deemed to be operating in violation in any respect of the USA PATRIOT Act, the Bank Secrecy Act and any regulations or rules promulgated under either of the foregoing statutes, any order issued with respect to anti- 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 (c) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of 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 regulations promulgated thereunder, as well as the provisions of the information security program adopted by Xxxxxx Citizens pursuant to 12 C.F.R. Part 364. Furthermore, the board of directors of FCNB CTC has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification certification procedures that has not been deemed ineffective in any material respect by any Regulatory Authority and that meets the requirements in all material respects of Section 353 of the USA PATRIOT Act and the regulations thereunder.. 18

CRA, Anti-money Laundering and Customer Information Security. Except as disclosed on Xxxxxx Disclosure Schedule 2.22Neither Target nor any of the Target Subsidiaries is a party to any agreement with any individual or group regarding Community Reinvestment Act matters and, Xxxxxx is not aware ofto Target’s knowledge, has not been advised of, and has no reason to believe, that any facts or circumstances exist exist, which would cause FCNB Target: (ai) to be deemed not to be in satisfactory compliance in any respect with the CRACommunity Reinvestment Act, and the regulations promulgated thereunder, or to be assigned a rating for CRA Community Reinvestment Act purposes by federal or state bank regulators of lower than “satisfactory,” or ”; (bii) to be deemed to be operating in violation in any respect of the USA PATRIOT Act, the Bank Secrecy Act and any its implementing regulations or rules promulgated under either of (31 C.F.R. Part 103), the foregoing statutesUSA PATRIOT Act, any order issued with respect to anti- 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 (ciii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of 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 regulations promulgated thereunder, as well as the provisions of the information security program adopted by Xxxxxx Target pursuant to 12 C.F.R. Part 364208. Furthermore, the board Board of directors Directors of FCNB Target has adopted and Target has implemented an anti-money laundering program that contains adequate and appropriate customer identification certification verification procedures that has not been deemed ineffective in any material respect by any Governmental Entity or Regulatory Authority Agency and that meets the requirements in all material respects of Section 353 Sections 352 and 326 of the USA PATRIOT Act and the regulations thereunderAct.

CRA, Anti-money Laundering and Customer Information Security. Except as disclosed on Xxxxxx Disclosure Schedule 2.22, Xxxxxx Neither CBSI nor Community Bank is not aware of, has not been advised of, and or has no reason to believe, believe that any facts or circumstances exist which would cause FCNB CBSI or Community Bank: (ai) to be deemed not to be in satisfactory compliance in any material respect with the CRA, CRA and the regulations promulgated thereunder, or to be assigned a rating for CRA purposes by federal or state bank regulators of lower than “"satisfactory,” ;" or (bii) to be deemed to be operating in violation in any material respect of the USA PATRIOT federal Bank Secrecy Act, as amended and its implementing regulations (31 CFR part 103), the Bank Secrecy USA Patriot Act and any the regulations or rules promulgated under either of the foregoing statutesthereunder, any order issued with respect to anti- anti-money laundering by the U.S. Department of the Treasury’s 's Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation, ; or (ciii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the XxxxxGramm-XxxxxLeach-Xxxxxx Bliley Act of 1999 and regulations promulgated thereunder. Xxxxxxxxxxx, as well as the provisions xxx Board of the information security program adopted by Xxxxxx pursuant to 12 C.F.R. Part 364. FurthermoreDirectors of CBSI has adopted, the board of directors of FCNB and CBSI has adopted and implemented implemented, an anti-money laundering program that contains adequate and appropriate customer identification certification procedures that has not been deemed ineffective in any material respect by any Regulatory Authority and that meets the requirements in all material respects of Section 353 352 of the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-money Laundering and Customer Information Security. Except as disclosed on Xxxxxx Disclosure Schedule 2.22, Xxxxxx Neither ONBC nor ONB is not aware of, has not been advised of, and or has no reason to believe, believe that any facts or circumstances exist which would cause FCNB ONB: (ai) to be deemed not to be in satisfactory compliance in any material respect with the Community Reinvestment Act of 1977, as amended (the "CRA, ") and the regulations promulgated thereunder, or to be assigned a rating for CRA purposes by federal or state bank regulators of lower than “"satisfactory,” " or (bii) to be deemed to be operating in violation in any material respect of the USA PATRIOT federal Bank Secrecy Act, as amended and its implementing regulations (31 CFR part 103), the Bank Secrecy USA Patriot Act of 2001, Public Law 107-56 (the "USA Patriot Act") and any the regulations or rules promulgated under either of the foregoing statutesthereunder, any order issued with respect to anti- anti-money laundering by the U.S. Department of the Treasury’s 's Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation, ; or (ciii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer information requirements contained in any federal and state privacy laws and regulations, including, without limitation, in Title V of the XxxxxGramm-XxxxxLeach-Xxxxxx Bliley Act of 1999 and regulations xxxxxxtions promulgated thereunder, thereunder as well as the provisions of the information security program Information Security Program adopted by Xxxxxx ONB pursuant to 12 C.F.R. CFR Part 364. Furthermore, the board Board of directors Directors of FCNB ONB has adopted adopted, and implemented ONB has implemented, an anti-money laundering program that contains adequate and appropriate customer identification certification procedures that has not been deemed ineffective in any material respect by any Regulatory Authority and that meets the requirements in all material respects of Section 353 352 of the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-money Laundering and Customer Information Security. Except as disclosed on Xxxxxx Disclosure Schedule 2.22, Xxxxxx The Bank is not aware of, nor has not it been advised of, and nor has no reason to believe, believe that any facts or circumstances exist which that would cause FCNB the Bank: (ai) to be deemed not to be in satisfactory compliance in any material respect with the CRA, and the regulations promulgated thereunder, or to be assigned a rating for CRA purposes by federal or state bank regulators of lower than “"satisfactory,” ;" or (bii) to be deemed to be operating in violation in any material respect of the federal Bank Secrecy Act, as amended, and its implementing regulations (31 C.F.R. Part 103), the USA PATRIOT Act, and the Bank Secrecy Act and any regulations or rules promulgated under either of the foregoing statutesthereunder, any order issued with respect to anti- anti-money laundering by the U.S. Department of the Treasury’s 's Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation, ; or (ciii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer information requirements contained in any federal and state privacy laws and regulations, including, including without limitation, in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 and regulations promulgated thereunder, as well as the provisions of the information security program adopted by Xxxxxx the Bank pursuant to 12 C.F.R. Part 364. Furthermore, the Bank's board of directors of FCNB has adopted adopted, and the Bank has implemented an anti-money laundering program that contains adequate and appropriate customer identification certification procedures that has not been deemed ineffective in any material respect by any Regulatory Authority and that meets the requirements in all material respects of Section 353 Sections 352 and 326 of the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-money Laundering and Customer Information Security. Except as disclosed on Xxxxxx Disclosure Schedule 2.22Neither the Bank nor any of its Subsidiaries is a party to any agreement with any individual or group regarding Community Reinvestment Act matters and none of Parent, Xxxxxx is not aware of, the Bank nor any of their Subsidiaries has not been advised of, and has no reason to believe, that Knowledge of any facts or circumstances exist which would cause FCNB the Bank: (ai) to be deemed not to be in satisfactory compliance in any respect with the CRACommunity Reinvestment Act, and the regulations promulgated thereunder, or to be assigned a rating for CRA Community Reinvestment Act purposes by federal or state bank regulators of lower than “satisfactory,” ”; or (bii) to be deemed to be operating in violation in any respect of the USA PATRIOT Act, the Bank Secrecy Act and any its implementing regulations or rules promulgated under either of (31 C.F.R. Part 103), the foregoing statutesUSA PATRIOT Act, any order issued with respect to anti- 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 (ciii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of 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 regulations promulgated thereunder, as well as the provisions of the information security program adopted by Xxxxxx the Bank pursuant to 12 C.F.R. Part 364. Furthermore, the board of directors of FCNB the Bank has adopted and the Bank has implemented an anti-money laundering program that contains adequate and appropriate customer identification certification verification procedures that has not been deemed ineffective in any material respect by any Regulatory Governmental Authority and that meets the requirements in all material respects of Section 353 Sections 352 and 326 of the USA PATRIOT Act and the regulations thereunderAct.

CRA, Anti-money Laundering and Customer Information Security. Except as disclosed on Xxxxxx Disclosure Schedule 2.22, Xxxxxx C&N is not aware of, has not been advised of, and has no reason to believe, that any facts or circumstances exist which would cause FCNB C&N Bank (a) to be deemed not to be in satisfactory compliance in any respect with the CRA, and the regulations promulgated thereunder, or to be assigned a rating for CRA purposes by federal or state bank regulators of lower than “satisfactory,” or (b) to be deemed to be operating in violation in any respect of the USA PATRIOT Act, the Bank Secrecy Act and any regulations or rules promulgated under either of the foregoing statutes, any order issued with respect to anti- 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 (c) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of 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 regulations promulgated thereunder, as well as the provisions of the information security program adopted by Xxxxxx C&N Bank pursuant to 12 C.F.R. Part 364. Furthermore, the board of directors of FCNB C&N Bank has adopted and implemented an anti-money laundering program that contains adequate and appropriate customer identification certification procedures that has not been deemed ineffective in any material respect by any Regulatory Authority and that meets the requirements in all material respects of Section 353 of the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-money Laundering and Customer Information Security. Except as disclosed on Xxxxxx Disclosure Schedule 2.22, Xxxxxx Neither MT nor the Bank is not aware of, has not been advised of, a party to any agreement with any individual or group regarding Community Reinvestment Act matters and has no reason to believe, that any facts or circumstances exist exist, which would cause FCNB the Bank: (ai) to be deemed not to be in satisfactory compliance in any respect with the CRACommunity Reinvestment Act, and the regulations promulgated thereunder, or to be assigned a rating for CRA Community Reinvestment Act purposes by federal or state bank regulators of lower than “satisfactory,” or ”; (bii) to be deemed to be operating in violation in any respect of the USA PATRIOT Act, the Bank Secrecy Act and any its implementing regulations or rules promulgated under either of (31 C.F.R. Part 103), the foregoing statutesUSA PATRIOT Act, any order issued with respect to anti- 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 (ciii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of 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 regulations promulgated thereunder, as well as the provisions of the information security program adopted by Xxxxxx the Bank pursuant to 12 C.F.R. Part 364, except where the failure to be in such compliance would not reasonably be expected to have a Material Adverse Effect. Furthermore, the board of directors of FCNB the Bank has adopted and the Bank has implemented an anti-money laundering program that contains adequate and appropriate customer identification certification verification procedures that has not been deemed ineffective in any material respect by any Regulatory Authority governmental agency and that meets the requirements in all material respects of Section 353 Sections 352 and 326 of the USA PATRIOT Act and the regulations thereunderAct.