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

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does not have Knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of Purchaser: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bank. To the Knowledge of Purchaser, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Commonwealth National Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does CNB Financial is not have Knowledge of aware of, has not been advised of, and has no reason to believe that any facts or circumstances exist that would cause Kearny Commonwealth National Bank or any other Subsidiary of PurchaserCNB Financial: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Commonwealth National Bank. To the Knowledge CNB Financial is not aware of Purchaser, no any facts or circumstances that would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser CNB Financial or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny Commonwealth National Bank (or where appropriate of any other Subsidiary of PurchaserCNB Financial) has adopted, and Kearny Commonwealth National Bank (or such other Subsidiary of PurchaserCNB Financial) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny Commonwealth National Bank (or such other Subsidiary of PurchaserCNB Financial) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank has SmartBank received a rating of “Satisfactory” or better in during its most recent examination or interim review with respect to the CRA. Purchaser does not have SmartFinancial has no Knowledge of any facts or circumstances that would reasonably be expected to cause Kearny Bank or any other Subsidiary of Purchaser: SmartBank (i) 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 bank banking regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation violation, in any material respect respect, of the Bank Secrecy ActAct of 1970, as amended, the USA PATRIOT Act, any order issued with respect to anti-money laundering by the U.S. United States Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (iii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer or consumer information requirements contained in any federal and or state privacy laws and regulationsLaws, including without limitation, limitation in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 1999, as amended, and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankSmartBank. To the Knowledge of PurchaserSmartFinancial, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would, or would reasonably be expected to, cause either Purchaser or any of its Subsidiaries SmartBank to undertake any significant remedial action. The Board board of Directors directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) SmartBank has adopted, and Kearny Bank (or such other Subsidiary of Purchaser) SmartBank has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act Act, and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) SmartBank has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Berkshire Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does not have Knowledge of any facts or circumstances that would cause Kearny Berkshire Bank or any other Subsidiary of Purchaser: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Berkshire Bank. To the Knowledge of Purchaser, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny Berkshire Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny Berkshire Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Berkshire Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Xxxxxxx Savings has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser The Company does not have Knowledge of any facts or circumstances that would cause Kearny Bank Xxxxxxx Savings or any other Subsidiary of Purchaserthe Company: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankXxxxxxx Savings. To the Knowledge of Purchaserthe Company, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser the Company or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank Xxxxxxx Savings (or where appropriate of any other Subsidiary of Purchaserthe Company) has adopted, and Kearny Bank Xxxxxxx Savings (or such other Subsidiary of Purchaserthe Company) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank Xxxxxxx Savings (or such other Subsidiary of Purchaserthe Company) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Savings Institute Bank and Trust Company has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser The Company does not have Knowledge of any facts or circumstances that would cause Kearny Savings Institute Bank and Trust Company or any other Subsidiary of Purchaserthe Company: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankSavings Institute Bank and Trust Company. To the Knowledge of Purchaserthe Company, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser the Company or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny Savings Institute Bank and Trust Company (or where appropriate of any other Subsidiary of Purchaserthe Company) has adopted, and Kearny Savings Institute Bank and Trust Company (or such other Subsidiary of Purchaserthe Company) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Savings Institute Bank and Trust Company (or such other Subsidiary of Purchaserthe Company) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny United Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does United Bank is not have Knowledge of aware of, has not been advised of, and has no reason to believe that any facts or circumstances exist that would cause Kearny United Bank or any other Subsidiary of PurchaserUnited Financial Bancorp: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny United Bank. To the Knowledge United Financial Bancorp is not aware of Purchaser, no any facts or circumstances that would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser United Financial Bancorp or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny United Bank (or where appropriate of any other Subsidiary of PurchaserUnited Financial Bancorp) has adopted, and Kearny United Bank (or such other Subsidiary of PurchaserUnited Financial Bancorp) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny United Bank (or such other Subsidiary of PurchaserUnited Financial Bancorp) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny The Bank has received a rating of “Satisfactory” or better in during its most recent examination or interim review with respect to the CRA. Purchaser The Company does not have Knowledge of any facts or circumstances that would reasonably be expected to cause Kearny the Bank or any other Subsidiary of Purchaser: (i) 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 bank banking regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation violation, in any material respect respect, of the Bank Secrecy ActAct of 1970, as amended, the USA PATRIOT Act, any order issued with respect to anti-money laundering by the U.S. United States Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (iii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer or consumer information requirements contained in any federal and or state privacy laws and regulationsLaws, including without limitation, limitation in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 1999, as amended, and the regulations promulgated thereunder, as well as the provisions of the information security policies or program adopted by Kearny the Bank. To the Knowledge of Purchaserthe Company, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would, or would reasonably be expected to, cause either Purchaser or any of its Subsidiaries the Bank to undertake any remedial action. The Board board of Directors directors of Kearny the Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny the Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act Act, and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny the Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Freehold Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser Freehold does not have Knowledge knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of Purchaserit: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bank. To the Knowledge of PurchaserFreehold, no non-public Freehold customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) Freehold has adopted, adopted and Kearny Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) Freehold has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny SSE Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser SSE does not have Knowledge knowledge of any facts or circumstances that would cause Kearny SSE Bank or any other Subsidiary of PurchaserSSE: (i) 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 bank or SSE Bank regulators of lower than “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 sate 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 Kearny SSE Bank. To the Knowledge knowledge of PurchaserSSE, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser SSE or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny SSE Bank (or where appropriate of any other Subsidiary of PurchaserSSE) has adopted, and Kearny SSE Bank (or such other Subsidiary of PurchaserSSE) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny SSE Bank (or such other Subsidiary of PurchaserSSE) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Each Company Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser The Company does not have Knowledge of any facts or circumstances that would cause Kearny either Company Bank or any other Subsidiary of Purchaserthe Company: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny each Company Bank. To the Knowledge of Purchaser, the Company no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser the Company or any of its Subsidiaries to undertake any significant remedial action. The Board of Directors of Kearny each Company Bank (or where appropriate of any other Subsidiary of Purchaserthe Company) has adopted, and Kearny each Company Bank (or such other Subsidiary of Purchaserthe Company) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny each Company Bank (or such other Subsidiary of Purchaserthe Company) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank has SmartBank received a rating of “Satisfactory” or better in during its most recent examination or interim review with respect to the CRA. Purchaser does The SmartFinancial Parties do not have Knowledge of any facts or circumstances that would reasonably be expected to cause Kearny Bank or any other Subsidiary of Purchaser: SmartBank (i) 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 bank banking regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation violation, in any material respect respect, of the Bank Secrecy ActAct of 1970, as amended, the USA PATRIOT Act, any order issued with respect to anti-money laundering by the U.S. United States Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (iii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer or consumer information requirements contained in any federal and or state privacy laws and regulationsLaws, including without limitation, limitation in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 1999, as amended, and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankSmartBank. To the Knowledge of Purchaserthe SmartFinancial Parties, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would, or would reasonably be expected to, cause either Purchaser or any of its Subsidiaries SmartBank to undertake any significant remedial action. The Board board of Directors directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) SmartBank has adopted, and Kearny Bank (or such other Subsidiary of Purchaser) SmartBank has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act Act, and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) SmartBank has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Each of the Banks has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does Kentucky First is not have Knowledge of aware of, has not been advised of, and has no reason to believe that any facts or circumstances exist that would cause Kearny Bank either of the Banks or any other Subsidiary of PurchaserKentucky First: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bankeither of the Banks. To the Knowledge Kentucky First is not aware of Purchaser, no any facts or circumstances that would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Kentucky First or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny Bank each of the Banks (or or, where appropriate appropriate, of any other Subsidiary of PurchaserKentucky First) has adopted, adopted and Kearny Bank (or such other Subsidiary of Purchaser) has implemented, implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act Act, and the regulations thereunder, and Kearny Bank (or such other Subsidiary each of Purchaser) the Banks has complied in all material respects with any requirements to file reports and other necessary (or such other Subsidiary of Kentucky First) documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank AFCB has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser The Company does not have Knowledge of any facts or circumstances that would cause Kearny Bank AFCB or any other Subsidiary of Purchaserthe Company: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankAFCB. To the Knowledge of Purchaser, no No non-public customer information has been disclosed to or or, to the Knowledge of the Company, accessed by an unauthorized third party in a manner that would cause either Purchaser the Company or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank AFCB (or where appropriate of any other Subsidiary of Purchaserthe Company) has adopted, and Kearny Bank AFCB (or such other Subsidiary of Purchaserthe Company) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank AFCB (or such other Subsidiary of Purchaserthe Company) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny RSI Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser RSI does not have Knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of Purchaserit: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bank. To the Knowledge of PurchaserRSI, no non-public RSI customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny RSI Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, adopted and Kearny Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny RSI Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Towne has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser Towne does not have Knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of PurchaserTowne: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankTowne. To the Knowledge of PurchaserTowne, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Towne or any of its the Towne Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank Towne (or where appropriate of any other Subsidiary of PurchaserTowne Subsidiary) has adopted, and Kearny Bank Towne (or such other Subsidiary of PurchaserTowne Subsidiary) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank Towne (or such other Subsidiary of PurchaserTowne Subsidiary) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Millington Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser The Company does not have Knowledge of any facts or circumstances that would cause Kearny Millington Bank or any other Subsidiary of Purchaserthe Company: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Millington Bank. To the Knowledge of Purchaserthe Company, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser the Company or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Millington Bank (or where appropriate of any other Subsidiary of Purchaserthe Company) has adopted, and Kearny Millington Bank (or such other Subsidiary of Purchaserthe Company) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Millington Bank (or such other Subsidiary of Purchaserthe Company) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Central Kentucky Federal has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does CKF Bancorp and Central Kentucky Federal are not aware of, have Knowledge of not been advised of, and have no reason to believe that any facts or circumstances exist that would cause Kearny Bank Central Kentucky Federal or any other Subsidiary of PurchaserCKF Bancorp: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankCentral Kentucky Federal. To the Knowledge CKF Bancorp and Central Kentucky Federal are not aware of Purchaser, no any facts or circumstances that would cause them to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser CKF Bancorp or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny Bank Central Kentucky Federal (or or, where appropriate appropriate, of any other Subsidiary of PurchaserCKF Bancorp) has adopted, adopted and Kearny Bank (or such other Subsidiary of Purchaser) has implemented, implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act Act, and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) Central Kentucky Federal has complied in all material respects with any requirements to file reports and other necessary (or such other Subsidiary of CKF Bancorp) documents as required by the USA PATRIOT Act and the regulations thereunder. (ff) Tax Treatment of the Merger. CKF Bancorp and Central Kentucky Federal have no knowledge of any fact or circumstance relating to either CKF Bancorp or its Subsidiaries that would prevent the transactions contemplated by this Agreement from qualifying as a reorganization under Section 368 of the IRC.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Victory Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser Victory Bancorp does not have Knowledge knowledge of any facts or circumstances that would cause Kearny Victory Bank or any other Subsidiary of PurchaserVictory Bancorp: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Victory Bank. To the Knowledge knowledge of PurchaserVictory Bancorp, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Victory Bancorp or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Victory Bank (or where appropriate of any other Subsidiary of PurchaserVictory Bancorp) has adopted, and Kearny Victory Bank (or such other Subsidiary of PurchaserVictory Bancorp) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Victory Bank (or such other Subsidiary of PurchaserVictory Bancorp) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny State of Franklin Savings Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does SOFB is not have Knowledge of aware of, has not been advised of, and has no reason to believe that any facts or circumstances exist that would cause Kearny State of Franklin Savings Bank or any other Subsidiary of PurchaserSOFB: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 (iii) 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 sate 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 Kearny State of Franklin Savings Bank. To the Knowledge SOFB is not aware of Purchaser, no any facts or circumstances that would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser SOFB or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny State of Franklin Savings Bank (or where appropriate of any other Subsidiary of PurchaserSOFB) has adopted, and Kearny State of Franklin Savings Bank (or such other Subsidiary of PurchaserSOFB) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny State of Franklin Savings Bank (or such other Subsidiary of PurchaserSOFB) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank CMYF has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser CMYF does not have Knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of PurchaserCMYF: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankCMYF. To the Knowledge of PurchaserCMYF, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser or any of its Subsidiaries CMYF to undertake any remedial action. The Board of Directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) CMYF has adopted, and Kearny Bank (or such other Subsidiary of Purchaser) CMYF has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) CMYF has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Neither the Buyer nor any Buyer Bank is aware of, has received a rating been advised of, or has reason to believe (because of “Satisfactory” the Buyer Banks’ December 31, 2006 federal Home Mortgage Disclosure Act data filed with the FDIC or better in its most recent examination the Office of Thrift Supervision, as applicable, on or interim review with respect prior to the CRA. Purchaser does not have Knowledge of March 1, 2006, or otherwise) that any facts or circumstances that exist, which would cause Kearny Bank or any other Subsidiary of Purchasera Buyer Bank: (i) 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 satisfactory;” (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny each Buyer Bank, other than Gibraltar Private Bank & Trust Company, pursuant to 12 C.F.R. Part 364, and by Gibraltar Private Bank & Trust Company, pursuant to 12 C.F.R. Part 570, except, with respect to clauses (i), (ii) and (iii) above, where such failure to be in compliance or where such operation in violation, individually or in the aggregate, has not had or would not reasonably be expected to have a Material Adverse Effect on the Buyer. To the Knowledge Neither Buyer nor any Buyer Bank is aware of Purchaser, no any facts or circumstances which would cause any of them to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Buyer or any of its Subsidiaries a Buyer Bank to undertake any remedial action, except for such facts or circumstances, individually or in the aggregate, as would not reasonably be expected to have a Material Adverse Effect on the Buyer. The Board Furthermore, the board of Directors directors of Kearny each Buyer Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny each Buyer Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (except where the failure so to comply or such other Subsidiary of Purchaser) has complied meet requirements, individually or in all material respects with any requirements the aggregate, would not be reasonably be expected to file reports and other necessary documents as required by have a Material Adverse Effect on the USA PATRIOT Act and the regulations thereunderBuyer.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Pelican has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the Community Reinvestment Act (“CRA”). Purchaser does not have Except as set forth in the PFI Disclosure Schedules, neither PFI nor any PFI Subsidiary, has been advised of in writing, or to PFI Knowledge is aware of any facts or circumstances that exist, which would cause Kearny Bank PFI or any other Subsidiary of PurchaserPFI Subsidiary: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 regulationregulation (collectively, the “anti-money laundering laws”); or (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankPelican pursuant to 12 C.F.R. Part 570. To the Knowledge Neither PFI nor any PFI Subsidiary is aware of Purchaser, no any facts or circumstances which would cause either to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser PFI or Pelican or any of its Subsidiaries other PFI Subsidiary to undertake any remedial action, except for such facts or circumstances, individually or in the aggregate, as would not reasonably be expected to have a Material Adverse Effect. The Board board of Directors directors of Kearny Bank Pelican (or where appropriate of any other Subsidiary of PurchaserPFI Subsidiary) has adopted, and Kearny Bank Pelican (or such other Subsidiary of PurchaserPFI Subsidiary) has implemented, an anti-money laundering program that to the Knowledge of PFI, contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets to the Knowledge of PFI, the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny Bank to the Knowledge of PFI, Pelican (or such other Subsidiary of PurchaserPFI Subsidiary) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank FNBO has received a rating of “"Satisfactory” or better " in its most recent examination or interim review with respect to the CRA. Purchaser does FNBO is not have Knowledge of aware of, has not been advised of, and has no reason to believe that any facts or circumstances exist that would cause Kearny Bank or any other Subsidiary of Purchaserit: (i) 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 "satisfactory", (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT Patriot Act, any order issued with respect to 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankFNBO. To the Knowledge FNBO is not aware of Purchaser, no any facts or circumstances that would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser or any of its Subsidiaries FNBO to undertake any remedial action. The Board board of Directors directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) FNBO has adopted, and Kearny Bank (or such other Subsidiary of Purchaser) FNBO has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) FNBO has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny New England Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser The Company does not have Knowledge knowledge of any facts or circumstances that would cause Kearny New England Bank or any other Subsidiary of Purchaserthe Company: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny New England Bank. To the Knowledge knowledge of Purchaserthe Company, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser the Company or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny New England Bank (or where appropriate of any other Subsidiary of Purchaserthe Company) has adopted, and Kearny New England Bank (or such other Subsidiary of Purchaserthe Company) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny New England Bank (or such other Subsidiary of Purchaserthe Company) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bogota Savings Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRACRA examination. Purchaser Bogota does not have Knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of PurchaserBogota Savings Bank: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bank. To the Knowledge of PurchaserBogota, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser Bogota or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bogota Savings Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, adopted and Kearny Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Berkshire Hills National has received a rating of “SatisfactoryOutstanding” or better in its most recent examination or interim review with respect to the CRA. Purchaser does Berkshire Hills Bancorp is not have Knowledge of aware of, has not been advised of, and has no reason to believe that any facts or circumstances exist that would cause Kearny Bank Berkshire Hills National or any other Subsidiary of PurchaserBerkshire Hills Bancorp: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankBerkshire Hills National. To the Knowledge Berkshire Hills Bancorp is not aware of Purchaser, no any facts or circumstances that would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Berkshire Hills Bancorp or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny Bank Berkshire Hills National (or where appropriate of any other Subsidiary of PurchaserBerkshire Hills Bancorp) has adopted, and Kearny Bank Berkshire Hills National (or such other Subsidiary of PurchaserBerkshire Hills Bancorp) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny Bank Berkshire Hills National (or such other Subsidiary of PurchaserFactory Point Bancorp) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Standard Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser The Company does not have Knowledge of any facts or circumstances that would cause Kearny Standard Bank or any other Subsidiary of Purchaserthe Company: (i) 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 (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, 201 C.M.R. 17.00, as well as the provisions of the information security program adopted by Kearny Standard Bank. To the Knowledge of Purchaserthe Company, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser the Company or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny Standard Bank (or where appropriate of any other Subsidiary of Purchaserthe Company) has adopted, and Kearny Standard Bank (or such other Subsidiary of Purchaserthe Company) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Standard Bank (or such other Subsidiary of Purchaserthe Company) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Acacia FSB has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does Sellers do not have Knowledge knowledge of any facts or circumstances that would cause Kearny Bank Acacia FSB or any other Subsidiary of PurchaserAcacia FSB: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankAcacia FSB. To the Knowledge knowledge of PurchaserSellers, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Acacia FSB or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank Acacia FSB (or where appropriate of any other Subsidiary of PurchaserAcacia FSB) has adopted, and Kearny Bank Acacia FSB (or such other Subsidiary of PurchaserAcacia FSB) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank Acacia FSB (or such other Subsidiary of PurchaserAcacia FSB) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Subsidiary has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the Community Reinvestment Act of 1997 (the “CRA”). Purchaser does not have Neither Holding Company nor Bank Subsidiary has Knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of PurchaserSubsidiary: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankBank Subsidiary. To the Knowledge of PurchaserHolding Company and Bank Subsidiary, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Holding Company or any of its Holding Company Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank Subsidiary (or where appropriate of any other Subsidiary of PurchaserHolding Company Subsidiary) has adopted, and Kearny Bank Subsidiary (or such other Subsidiary of PurchaserHolding Company Subsidiary) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank Subsidiary (or such other Subsidiary of PurchaserHolding Company Subsidiary) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Reliant Bank has received a rating of “Satisfactory” or better in during its most recent examination or interim review with respect to the CRA. Purchaser Reliant does not have Knowledge of any facts or circumstances that would reasonably be expected to cause Kearny Reliant Bank or any other Subsidiary of Purchaser: (i) 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 bank banking regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation violation, in any material respect respect, of the Bank Secrecy ActAct of 1970, as amended, the USA PATRIOT Act, any order issued with respect to anti-money laundering by the U.S. United States Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (iii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer or consumer information requirements contained in any federal and or state privacy laws and regulationsLaws, including without limitation, limitation in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 1999, as amended, and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Reliant Bank. To the Knowledge of PurchaserReliant, no non-public Reliant Bank customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would, or would reasonably be expected to, cause either Purchaser or any of its Subsidiaries Reliant Bank to undertake any significant remedial action. The Board board of Directors directors of Kearny Reliant Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny Reliant Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act Act, and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Reliant Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank has received a rating of “SatisfactoryOutstanding” or better in its most recent examination or interim review with respect to the Community Reinvestment Act (“CRA”). Purchaser does not have Knowledge Neither Company nor Bank is aware of, has been advised of, or has reason to believe (because of Bank’s Home Mortgage Disclosure Act (“HMDA”) data for the year ended December 31, 2004 filed with the OTS on or prior to March 1, 2005, or otherwise) that any facts or circumstances that exist, which would cause Kearny Bank or any other Subsidiary of PurchaserCompany Subsidiary: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 regulationregulation (collectively, the “anti-money laundering laws”); or (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankBank pursuant to 12 C.F.R. Part 570. To the Knowledge Neither Company nor Bank is aware of Purchaser, no any facts or circumstances which would cause either to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Company or Bank or any of its Subsidiaries other Company Subsidiary to undertake any remedial action, except for such facts or circumstances, individually or in the aggregate, as would not reasonably be expected to have a Material Adverse Effect. The Board board of Directors directors of Kearny Bank (or where appropriate of any other Subsidiary of PurchaserCompany Subsidiary) has adopted, and Kearny Bank (or such other Subsidiary of PurchaserCompany Subsidiary) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of PurchaserCompany Subsidiary) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Neither the Buyer nor any Buyer Bank is aware of, has received a rating been advised of, or has reason to believe (because of “Satisfactory” the Buyer Banks’ December 31, 2004 Home Mortgage Disclosure Act data filed with the FDIC on or better in its most recent examination prior to March 1, 2005, or interim review with respect to the CRA. Purchaser does not have Knowledge of otherwise) that any facts or circumstances that exist, which would cause Kearny Bank or any other Subsidiary of Purchasera Buyer Bank: (i) 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”; satisfactory;” or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bankeach Buyer Bank pursuant to 12 C.F.R. Part 570, except, with respect to clauses (i), (ii) and (iii) above, where such failure to be in compliance or where such operation in violation, individually or in the aggregate, has not had or would not reasonably be expected to have a Material Adverse Effect on the Buyer. To the Knowledge Neither Buyer nor any Buyer Bank is aware of Purchaser, no any facts or circumstances which would cause any of them to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Buyer or any of its Subsidiaries a Buyer Bank to undertake any remedial action, except for such facts or circumstances, individually or in the aggregate, as would not reasonably be expected to have a Material Adverse Effect on the Buyer. The Board Furthermore, the board of Directors directors of Kearny each Buyer Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny each Buyer Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny Bank (except where the failure so to comply or such other Subsidiary of Purchaser) has complied meet requirements, individually or in all material respects with any requirements the aggregate, would not be reasonably be expected to file reports and other necessary documents as required by have a Material Adverse Effect on the USA PATRIOT Act and the regulations thereunderBuyer.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank CFB has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does CFB is not have Knowledge of aware of, has not been advised of, and has no reason to believe that any facts or circumstances exist that would cause Kearny Bank or any other Subsidiary of Purchaserit: (i) 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 “Satisfactorysatisfactory”; or , (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 (iii) 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 sate 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 Kearny BankCFB. To the Knowledge CFB is not aware of Purchaser, no any facts or circumstances that would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser or any of its Subsidiaries CFB to undertake any remedial action. The Board board of Directors directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) CFB has adopted, and Kearny Bank (or such other Subsidiary of Purchaser) CFB has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) CFB has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny SSE Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser SSE does not have Knowledge knowledge of any facts or circumstances that would cause Kearny SSE Bank or any other Subsidiary of PurchaserSSE: (i) 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 bank or SSE Bank regulators of lower than “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 sate 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 Kearny SSE Bank. To the Knowledge knowledge of PurchaserSSE, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser SSE or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny SSE Bank (or where appropriate of any other Subsidiary of PurchaserSSE) has adopted, and Kearny SSE Bank (or such other Subsidiary of PurchaserSSE) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny SSE Bank (or such other Subsidiary of PurchaserSSE) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Purchaser Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does not have Knowledge of any facts or circumstances that would cause Kearny Purchaser Bank or any other Subsidiary of Purchaser: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Purchaser Bank. To the Knowledge of Purchaser, no No non-public customer information has been disclosed to or or, to the Knowledge of Purchaser, accessed by an unauthorized third party in a manner that would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Purchaser Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny Purchaser Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Purchaser Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank has Reliant received a rating of “Satisfactory” or better in during its most recent examination or interim review with respect to the CRA. Purchaser does The Commerce Union Parties do not have Knowledge of any facts or circumstances that would reasonably be expected to cause Kearny Bank or any other Subsidiary of Purchaser: Reliant (i) 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 bank banking regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation violation, in any material respect respect, of the Bank Secrecy ActAct of 1970, as amended, the USA PATRIOT Act, any order issued with respect to anti-money laundering by the U.S. United States Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (iii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer or consumer information requirements contained in any federal and or state privacy laws and regulationsLaws, including without limitation, limitation in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 1999, as amended, and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankReliant. To the Knowledge of Purchaserthe Commerce Union Parties, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would, or would reasonably be expected to, cause either Purchaser or any of its Subsidiaries Reliant to undertake any significant remedial action. The Board board of Directors directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) Reliant has adopted, and Kearny Bank (or such other Subsidiary of Purchaser) Reliant has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act Act, and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) Reliant has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny HV Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser HV Bank does not have Knowledge knowledge of any facts or circumstances that would cause Kearny HV Bank or any other Subsidiary of PurchaserHV Bank: (i) 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 bank regulators of lower than “Satisfactory”; ;” or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny HV Bank. To the Knowledge knowledge of PurchaserHV Bank, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser HV Bank or any of its Subsidiaries to undertake any remedial action. The Board of Directors Trustees of Kearny HV Bank (or where appropriate of any other Subsidiary of PurchaserHV Bank) has adopted, and Kearny HV Bank (or such other Subsidiary of PurchaserHV Bank) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny HV Bank (or such other Subsidiary of PurchaserHV Bank) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny United Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does not have Knowledge knowledge of any facts or circumstances that would cause Kearny United Bank or any other Subsidiary of Purchaser: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny United Bank. To the Knowledge knowledge of Purchaser, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny United Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny United Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny United Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Customers Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser Buyer does not have Knowledge knowledge of any facts or circumstances that would cause Kearny Bank Buyer or any other Subsidiary of PurchaserBuyer: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankBuyer. To the Knowledge knowledge of PurchaserBuyer, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Buyer or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank Buyer (or where appropriate of any other Subsidiary of PurchaserBuyer) has adopted, and Kearny Bank Buyer (or such other Subsidiary of PurchaserBuyer) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank Buyer (or such other Subsidiary of PurchaserBuyer) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank has Capstone received a rating of “Satisfactory” or better in during its most recent examination or interim review with respect to the CRA. Purchaser does The Capstone Parties do not have Knowledge of any facts or circumstances that would be expected to cause Kearny Bank or any other Subsidiary of Purchaser: Capstone (i) 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 bank banking regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation violation, in any material respect respect, of the Bank Secrecy ActAct of 1970, as amended, the USA PATRIOT Act, any order issued with respect to anti-money laundering by the U.S. United States Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (iii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer or consumer information requirements contained in any federal and or state privacy laws and regulationsLaws, including without limitation, limitation in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 1999, as amended, and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankCapstone. To the Knowledge of Purchaserthe Capstone Parties, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would which could, or could be expected to, cause either Purchaser or any of its Subsidiaries Capstone to undertake any significant remedial action. The Board board of Directors directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) Capstone has adopted, and Kearny Bank (or such other Subsidiary of Purchaser) Capstone has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act Act, and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) Capstone has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank has SmartBank received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does The SmartFinancial Parties do not have Knowledge of any facts or circumstances that would or could be expected to cause Kearny Bank or any other Subsidiary of Purchaser: SmartBank (i) 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 bank banking regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT Act, any order issued with respect to anti-money laundering by the U.S. United States Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (iii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer or consumer information requirements contained in any federal and or state privacy laws and regulationsLaws, including without limitation, 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 Kearny BankSmartBank. To the Knowledge of Purchaserthe SmartFinancial Parties, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would which could, or could be expected to, cause either Purchaser or any of its Subsidiaries SmartBank to undertake any remedial action. The Board board of Directors directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) SmartBank has adopted, and Kearny Bank (or such other Subsidiary of Purchaser) SmartBank has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act Act, and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) SmartBank has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Company Bank has received a an overall rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser The Company does not have Knowledge of any facts or circumstances that would cause Kearny Company Bank or any other Subsidiary of Purchaserthe Company: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 Xxxxx- Bliley Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Company Bank. To the Knowledge of Purchaserthe Company, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser the Company or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Company Bank (or where appropriate of any other Subsidiary of Purchaserthe Company) has adopted, and Kearny Company Bank (or such other Subsidiary of Purchaserthe Company) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Company Bank (or such other Subsidiary of Purchaserthe Company) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bradford Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does Bradford is not have Knowledge of aware of, and has not been advised of, any facts or circumstances exist that would cause Kearny Bradford Bank or any other Subsidiary of PurchaserBradford: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bradford Bank. To the Knowledge Bradford is not aware of Purchaser, no any facts or circumstances that would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Bradford or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bradford Bank (or where appropriate of any other Subsidiary of PurchaserBradford) has adopted, and Kearny Bradford Bank (or such other Subsidiary of PurchaserBradford) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny Bradford Bank (or such other Subsidiary of PurchaserBradford) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank IIBK has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser IIBK does not have Knowledge of any facts or circumstances that would cause Kearny Bank IIBK or any other Subsidiary of PurchaserIIBK: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankIIBK. To the Knowledge of PurchaserIIBK, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser IIBK or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank IIBK (or or, where appropriate of appropriate, any other Subsidiary of PurchaserIIBK) has adopted, and Kearny Bank IIBK (or such other any Subsidiary of PurchaserIIBK) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank IIBK (or such other any Subsidiary of PurchaserIIBK) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank has received a rating of “Satisfactory” or better in during its most recent examination or interim review with respect to the CRA. Purchaser does The Community First Parties do not have Knowledge of any facts or circumstances that would be expected to cause Kearny Bank or any other Subsidiary of Purchaser: (i) 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 bank banking regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy ActAct of 1970, as amended, the USA PATRIOT Act, any order issued with respect to anti-money laundering by the U.S. United States Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (iii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer or consumer information requirements contained in any federal and or state privacy laws and regulationsLaws, including without limitation, limitation in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 1999, as amended, and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bank. To the Knowledge of Purchaserthe Community First Parties, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would, or would reasonably be expected to, cause either Purchaser or any of its Subsidiaries Bank to undertake any significant remedial action. The Board board of Directors directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act Act, and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny The Bank has received a rating of “Satisfactory” or better in during its most recent examination or interim review with respect to the CRA. Purchaser does The Bancshares Parties do not have Knowledge of any facts or circumstances that would be expected to cause Kearny the Bank or any other Subsidiary of Purchaser: (i) 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 bank banking regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy ActAct of 1970, as amended, the USA PATRIOT Act, any order issued with respect to anti-money laundering by the U.S. United States Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (iii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer or consumer information requirements contained in any federal and or state privacy laws and regulationsLaws, including without limitation, limitation in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 1999, as amended, and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny the Bank. To the Knowledge of Purchaserthe Bancshares Parties, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would which could, or could be expected to, cause either Purchaser or any of its Subsidiaries the Bank to undertake any remedial action. The Board board of Directors directors of Kearny the Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny the Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act Act, and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny the Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Purchaser Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does not have Knowledge of any facts or circumstances that would cause Kearny Purchaser Bank or any other Subsidiary of Purchaser: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Purchaser Bank. To the Knowledge of Purchaser, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Purchaser Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny Purchaser Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Purchaser Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Cincinnati Federal has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does The Cincinnati Federal Parties do not have Knowledge knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of PurchaserCincinnati Federal: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 XxxxxGxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bank. To the Knowledge knowledge of Purchaserthe Cincinnati Federal Parties, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser the Cincinnati Federal Parties or any of its their respective Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) Cincinnati Federal has adopted, adopted and Kearny Bank (or such other Subsidiary of Purchaser) has implemented, implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act Act, and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) . Cincinnati Federal has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Ottawa Savings Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser Ottawa does not have Knowledge knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of PurchaserOttawa Savings Bank: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bank. To the Knowledge knowledge of PurchaserOttawa, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Ottawa or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Ottawa Savings Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, adopted and Kearny Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Each of Parent Banks has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does not have Neither MHC nor Parent has Knowledge of any facts or circumstances that would cause Kearny Bank any of the Parent Banks or any other Subsidiary of PurchaserMHC: (i) 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 (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, 201 C.M.R. 17.00, as well as the provisions of the information security program adopted by Kearny Bankeach of the Parent Banks. To the Knowledge of PurchaserParent, since January 1, 2019, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser Parent or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny Bank each of the Parent Banks (or where appropriate of any other Subsidiary of PurchaserParent) has adopted, and Kearny Bank each of the Parent Banks (or such other Subsidiary of PurchaserParent) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank each of the Parent Banks (or such other Subsidiary of PurchaserParent) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Neither the Seller nor the Seller Bank is aware of, has received a rating been advised of, or has reason to believe (because of “Satisfactory” the Seller Bank’s Home Mortgage Disclosure Act data for the year ended December 31, 2004 filed with the OTS on or better in its most recent examination prior to March 1, 2005, or interim review with respect to the CRA. Purchaser does not have Knowledge of otherwise) that any facts or circumstances that exist, which would cause Kearny Bank or any other Subsidiary of Purchaserthe Seller Bank: (i) 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”; satisfactory;” or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bankthe Seller Bank pursuant to 12 C.F.R. Part 570, except, with respect to clauses (i), (ii) and (iii) above, where such failure to be in compliance or where such operation in violation, individually or in the aggregate, has not had or would not reasonably be expected to have a Material Adverse Effect on the Buyer. To Neither Seller nor the Knowledge Seller Bank is aware of Purchaser, no any facts or circumstances which would cause either to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Seller or any of its Subsidiaries Seller Bank to undertake any remedial action, except for such facts or circumstances, individually or in the aggregate, as would not reasonably be expected to have a Material Adverse Effect on the Buyer. The Board Furthermore, the board of Directors directors of Kearny the Seller Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny the Seller Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny Bank (except where the failure so to comply or such other Subsidiary of Purchaser) has complied meet requirements, individually or in all material respects with any requirements the aggregate, would not be reasonably be expected to file reports and other necessary documents as required by have a Material Adverse Effect on the USA PATRIOT Act and the regulations thereunderBuyer.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Purchaser Bank has received a an overall rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does not have Knowledge of any facts or circumstances that would cause Kearny Purchaser Bank or any other Subsidiary of Purchaser: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iiii) 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-Xxxxx- Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Purchaser Bank. To the Knowledge of Purchaser, no No non-public customer information has been disclosed to or or, to the Knowledge of Purchaser, accessed by an unauthorized third party in a manner that would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Purchaser Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny Purchaser Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Purchaser Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny The Bank has received a rating of “Satisfactory” or better in during its most recent examination or interim review with respect to the CRA. Purchaser does The TCB Holdings Parties do not have Knowledge of any facts or circumstances that reasonably would be expected to cause Kearny the Bank or any other Subsidiary of Purchaser: (i) to be deemed not to be in satisfactory compliance compliance, in any material respect respect, with the CRA, CRA and the regulations promulgated thereunder, or to be assigned a rating for CRA purposes by federal bank banking regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation violation, in any material respect respect, of the Bank Secrecy ActAct of 1970, as amended, the USA PATRIOT Act, any order issued with respect to anti-money laundering by the U.S. United States Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (iii) to be deemed not to be in satisfactory compliance compliance, in any material respect respect, with the applicable privacy of customer or consumer information requirements contained in any federal and or state privacy laws and regulationsLaws, including without limitation, limitation in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 1999, as amended, and the regulations promulgated thereunder, as well as the provisions of the information security policies or program adopted by Kearny the Bank. To the Knowledge of Purchaserthe TCB Holdings Parties, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would, or would reasonably be expected to, cause either Purchaser or any of its Subsidiaries the Bank to undertake any significant remedial action. The Board board of Directors directors of Kearny the Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny the Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act Act, and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny the Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank MBL has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the Community Reinvestment Act (“CRA”). Purchaser does MBL is not have Knowledge of aware of, and has not been advised of, any facts or circumstances exist that would cause Kearny Bank or any other Subsidiary of Purchaserit: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Actact, the USA PATRIOT 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 (iii) 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-Xxxxx Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bankit. To the Knowledge MBL is not aware of Purchaser, no any facts or circumstances that would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser MBL or any of its Subsidiaries Subsidiary to undertake any remedial action. The Board of Directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) MBL has adopted, and Kearny Bank (or such other Subsidiary of Purchaser) it has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) it has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank INB has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser The Company does not have Knowledge of any facts or circumstances that would cause Kearny Bank INB or any other Subsidiary of Purchaserthe Company: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankINB. To the Knowledge of Purchaserthe Company, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser the Company or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank INB (or where appropriate of any other Subsidiary of Purchaserthe Company) has adopted, and Kearny Bank INB (or such other Subsidiary of Purchaserthe Company) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank INB (or such other Subsidiary of Purchaserthe Company) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Buyer has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser Buyer does not have Knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of PurchaserBuyer: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankBuyer. To the Knowledge of PurchaserBuyer, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Buyer or any of its the Buyer Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank Buyer (or where appropriate of any other Subsidiary of PurchaserBuyer Subsidiary) has adopted, and Kearny Bank Buyer (or such other Subsidiary of PurchaserBuyer Subsidiary) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank Buyer (or such other Subsidiary of PurchaserBuyer Subsidiary) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Twin Oaks has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser Twin Oaks does not have Knowledge knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of Purchaserit: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bank. To the Knowledge knowledge of PurchaserTwin Oaks, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) Twin Oaks has adopted, adopted and Kearny Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) Twin Oaks has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny The Patapsco Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does Patapsco is not have Knowledge of aware of, and has not been advised of, any facts or circumstances exist that would cause Kearny The Patapsco Bank or any other Subsidiary of PurchaserPatapsco: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny The Patapsco Bank. To the Knowledge Patapsco is not aware of Purchaser, no any facts or circumstances that would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Patapsco or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny The Patapsco Bank (or where appropriate of any other Subsidiary of PurchaserPatapsco) has adopted, and Kearny The Patapsco Bank (or such other Subsidiary of PurchaserPatapsco) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny The Patapsco Bank (or such other Subsidiary of PurchaserPatapsco) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny First Interstate Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does not have Knowledge of any facts or circumstances that would cause Kearny First Interstate Bank or any other Subsidiary of Purchaser: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny First Interstate Bank. To the Knowledge of Purchaser, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny First Interstate Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny First Interstate Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny First Interstate Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Neither the Seller nor the Seller Bank is aware of, has received a rating been advised of, or has reason to believe (because of “Satisfactory” the Seller Bank’s federal Home Mortgage Disclosure Act data for the year ended December 31, 2005 filed with the FDIC on or better in its most recent examination prior to March 1, 2006, or interim review with respect to the CRA. Purchaser does not have Knowledge of otherwise) that any facts or circumstances that exist, which would cause Kearny Bank or any other Subsidiary of Purchaserthe Seller Bank: (i) 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”; satisfactory;” or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bankthe Seller Bank pursuant to 12 C.F.R. Part 364, except, with respect to clauses (i), (ii) and (iii) above, where such failure to be in compliance or where such operation in violation, individually or in the aggregate, has not had or would not reasonably be expected to have a Material Adverse Effect on the Seller. To Neither Seller nor the Knowledge Seller Bank is aware of Purchaser, no any facts or circumstances which would cause either to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Seller or any of its Subsidiaries Seller Bank to undertake any remedial action, except for such facts or circumstances, individually or in the aggregate, as would not reasonably be expected to have a Material Adverse Effect on the Seller. The Board Furthermore, the board of Directors directors of Kearny the Seller Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny the Seller Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (except where the failure so to comply or such other Subsidiary of Purchaser) has complied meet requirements, individually or in all material respects with any requirements the aggregate, would not be reasonably be expected to file reports and other necessary documents as required by have a Material Adverse Effect on the USA PATRIOT Act and the regulations thereunderSeller.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Berkshire Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does Berkshire Bank is not have Knowledge of aware of, has not been advised of, and has no reason to believe that any facts or circumstances exist that would cause Kearny Berkshire Bank or any other Subsidiary of PurchaserBerkshire Hills Bancorp: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Berkshire Bank. To the Knowledge Berkshire Hills Bancorp is not aware of Purchaser, no any facts or circumstances that would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Berkshire Hills Bancorp or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny Berkshire Bank (or where appropriate of any other Subsidiary of PurchaserBerkshire Hills Bancorp) has adopted, and Kearny Berkshire Bank (or such other Subsidiary of PurchaserBerkshire Hills Bancorp) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny Berkshire Bank (or such other Subsidiary of PurchaserCNB Financial) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny New England Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser The Company does not have Knowledge knowledge of any facts or circumstances that would cause Kearny New England Bank or any other Subsidiary of Purchaserthe Company: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny New England Bank. To the Knowledge knowledge of Purchaserthe Company, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser the Company or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny New England Bank (or where appropriate of any other Subsidiary of Purchaserthe Company) has adopted, and Kearny New England Bank (or such other Subsidiary of Purchaserthe Company) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny New England Bank (or such other Subsidiary of Purchaserthe Company) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny The Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the Community Reinvestment Act (“CRA”). Purchaser does Except as set forth in Schedule 3.31, the Bank has not have Knowledge been advised of in writing, or, to Seller’s Knowledge, is not aware of any facts or circumstances that exist, which would cause Kearny Bank or any other Subsidiary of Purchaserthe Bank: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 regulationregulation (collectively, the “anti-money laundering laws”); or (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bankthe Bank pursuant to 12 C.F.R. Part 570. To the Knowledge The Bank is not aware of Purchaser, no any facts or circumstances which would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser or any of its Subsidiaries it to undertake any remedial action, except for such facts or circumstances, individually or in the aggregate, as would not reasonably be expected to have a Material Adverse Effect. The Board board of Directors directors of Kearny the Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, adopted and Kearny Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets meets, to Seller’s Knowledge, the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny the Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Parent has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser Parent does not have Knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of PurchaserParent: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankParent. To the Knowledge of PurchaserParent, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Parent or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank Parent (or where appropriate of any other Subsidiary of PurchaserParent) has adopted, and Kearny Bank Parent (or such other Subsidiary of PurchaserParent) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank Parent (or such other Subsidiary of PurchaserParent) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Envision Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser The Company does not have Knowledge of any facts or circumstances that would cause Kearny Envision Bank or any other Subsidiary of Purchaserthe Company: (i) 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 (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, 201 C.M.R. 17.00, as well as the provisions of the information security program adopted by Kearny Envision Bank. To the Knowledge of Purchaserthe Company, since January 1, 2019, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser the Company or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny Envision Bank (or where appropriate of any other Subsidiary of Purchaserthe Company) has adopted, and Kearny Envision Bank (or such other Subsidiary of Purchaserthe Company) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Envision Bank (or such other Subsidiary of Purchaserthe Company) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Purchaser Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does and Purchaser Bank do not have Knowledge of any facts or circumstances that would cause Kearny Purchaser Bank or any other Subsidiary of Purchaser: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Purchaser Bank. To the Knowledge of PurchaserPurchaser and/or Purchaser Bank, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Purchaser Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny Purchaser Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Purchaser Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Roselle Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser Roselle does not have Knowledge knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of Purchaserit: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bank. To the Knowledge of PurchaserRoselle, no non-public Roselle customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) Roselle has adopted, adopted and Kearny Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) Roselle has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Subsidiary has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the Community Reinvestment Act of 1997 (the “CRA”). Purchaser The Company does not have Knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of PurchaserSubsidiary: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankBank Subsidiary. To the Knowledge of Purchaserthe Company, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser the Company or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank Subsidiary (or where appropriate of any other Subsidiary of Purchaserthe Company) has adopted, and Kearny Bank Subsidiary (or such other Subsidiary of Purchaserthe Company) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank Subsidiary (or such other Subsidiary of Purchaserthe Company) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank has received a rating of “Satisfactory” or better Except as set forth in its most recent examination or interim review with respect to the CRA. Purchaser Company’s Disclosure Letter, the Company does not have Knowledge of any facts or circumstances that would cause Kearny Bank TBVA or any other Subsidiary of Purchaserthe Company: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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-Xxxxx- Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankTBVA. To the Knowledge of Purchaserthe Company, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser the Company or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank TBVA (or where appropriate of any other Subsidiary of Purchaserthe Company) has adopted, and Kearny Bank TBVA (or such other Subsidiary of Purchaserthe Company) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank TBVA (or such other Subsidiary of Purchaserthe Company) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Purchaser Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. The Purchaser does not have Knowledge of any facts or circumstances that would cause Kearny either Purchaser Bank or any other Subsidiary of the Purchaser: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny each Purchaser Bank. To the Knowledge of Purchaser, the Purchaser no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either the Purchaser or any of its Subsidiaries to undertake any significant remedial action. The Board of Directors of Kearny the Purchaser Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny the Purchaser Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny each Purchaser Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Subsidiary has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the Community Reinvestment Act of 1997 (the “CRA”). Purchaser does not have Neither Holding Company nor Bank Subsidiary has Knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of PurchaserSubsidiary: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankBank Subsidiary. To the Knowledge of PurchaserHolding Company and Bank Subsidiary, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Holding Company or any of its Holding Company Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank Subsidiary (or where appropriate of any other Subsidiary of PurchaserHolding Company Subsidiary) has adopted, and Kearny Bank Subsidiary (or such other Subsidiary of PurchaserHolding Company Subsidiary) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank Subsidiary (or such other Subsidiary of PurchaserHolding Company Subsidiary) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank KF has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser KF does not have Knowledge knowledge of any facts or circumstances that would cause Kearny Bank or any other Subsidiary of Purchaserit: (i) 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 bank regulators of lower than “Satisfactory”; ;” or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 XxxxxGxxxx-Xxxxx-Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bank. To the Knowledge of PurchaserKF’s knowledge, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) KF has adopted, adopted and Kearny Bank (or such other Subsidiary of Purchaser) has implemented, implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply in all material respects with Section 326 of the USA PATRIOT Act Act, and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) . KF has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Purchaser Bank has received a an overall rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does not have Knowledge of any facts or circumstances that would cause Kearny Purchaser Bank or any other Subsidiary of Purchaser: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iiii) 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-Xxxxx- Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Purchaser Bank. To the Knowledge of Purchaser, no No non-public customer information has been disclosed to or or, to the Knowledge of Purchaser, accessed by an unauthorized third party in a manner that would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Purchaser Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny Purchaser Bank (or such other Subsidiary of Purchaser) has implemented, an anti-anti- money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-anti- money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Purchaser Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Pilgrim Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser The Company does not have Knowledge of any facts or circumstances that would cause Kearny Pilgrim Bank or any other Subsidiary of Purchaserthe Company: (i) 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 (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, 201 C.M.R. 17.00, as well as the provisions of the information security program adopted by Kearny Pilgrim Bank. To the Knowledge of Purchaserthe Company, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would cause either Purchaser the Company or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny Pilgrim Bank (or where appropriate of any other Subsidiary of Purchaserthe Company) has adopted, and Kearny Pilgrim Bank (or such other Subsidiary of Purchaserthe Company) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Pilgrim Bank (or such other Subsidiary of Purchaserthe Company) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny United Bank has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does not have Knowledge knowledge of any facts or circumstances that would cause Kearny United Bank or any other Subsidiary of Purchaser: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny United Bank. To the Knowledge knowledge of Purchaser, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny United Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny United Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny United Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Savings Institute Bank and Trust Company has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does not have Knowledge knowledge of any facts or circumstances that would cause Kearny Savings Institute Bank and Trust Company or any other Subsidiary of Purchaser: (i) 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 bank regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankSavings Institute Bank and Trust Company. To the Knowledge knowledge of Purchaser, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser or any of its Subsidiaries to undertake any remedial action. The Board of Directors of Kearny Savings Institute Bank and Trust Company (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny Savings Institute Bank and Trust Company (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Savings Institute Bank and Trust Company (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.. Table of Contents

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank Factory Point National has received a rating of “SatisfactoryOutstanding” or better in its most recent examination or interim review with respect to the CRA. Purchaser does Factory Point Bancorp is not have Knowledge of aware of, has not been advised of, and has no reason to believe that any facts or circumstances exist that would cause Kearny Bank Factory Point National or any other Subsidiary of PurchaserFactory Point Bancorp: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny BankFactory Point National. To the Knowledge Factory Point Bancorp is not aware of Purchaser, no any facts or circumstances that would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser Factory Point Bancorp or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny Bank Factory Point National (or where appropriate of any other Subsidiary of PurchaserFactory Point Bancorp) has adopted, and Kearny Bank Factory Point National (or such other Subsidiary of PurchaserFactory Point Bancorp) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny Bank Factory Point National (or such other Subsidiary of PurchaserFactory Point Bancorp) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank HSB has received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the Community Reinvestment Act (“CRA”). Purchaser does HSB is not have Knowledge of aware of, and has not been advised of, any facts or circumstances exist that would cause Kearny Bank or any other Subsidiary of Purchaserit: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Actact, the USA PATRIOT 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 (iii) 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-Xxxxx Xxxxxx Act of 1999 and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Bankit. To the Knowledge HSB is not aware of Purchaser, no any facts or circumstances that would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser HSB or any of its Subsidiaries Subsidiary to undertake any remedial action. The Board of Directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) HSB has adopted, and Kearny Bank (or such other Subsidiary of Purchaser) it has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) it has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny The Bank has received a rating of “Satisfactory” or better in during its most recent examination or interim review with respect to the CRA. Purchaser does The Foothills Parties do not have Knowledge of any facts or circumstances that would be expected to cause Kearny the Bank or any other Subsidiary of Purchaser: (i) 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 bank banking regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy ActAct of 1970, as amended, the USA PATRIOT Act, any order issued with respect to anti-money laundering by the U.S. United States Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (iii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer or consumer information requirements contained in any federal and or state privacy laws and regulationsLaws, including without limitation, limitation in Title V of the Xxxxx-Xxxxx-Xxxxxx Act of 1999 1999, as amended, and the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny the Bank. To the Knowledge of Purchaserthe Foothills Parties, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would which could, or could be expected to, cause either Purchaser or any of its Subsidiaries the Bank to undertake any remedial action. The Board board of Directors directors of Kearny the Bank (or where appropriate of any other Subsidiary of Purchaser) has adopted, and Kearny the Bank (or such other Subsidiary of Purchaser) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act Act, and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny the Bank (or such other Subsidiary of Purchaser) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Bank has Cornerstone received a rating of “Satisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does The Cornerstone Parties do not have Knowledge of any facts or circumstances that would or could be expected to cause Kearny Bank or any other Subsidiary of Purchaser: Cornerstone (i) 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 bank banking regulators of lower than “Satisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT Act, any order issued with respect to anti-money laundering by the U.S. United States Department of the Treasury’s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulationLaw; or (iii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer or consumer information requirements contained in any federal and or state privacy laws and regulationsLaws, including without limitation, 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 Kearny BankCornerstone. To the Knowledge of Purchaserthe Cornerstone Parties, no non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that would which could, or could be expected to, cause either Purchaser or any of its Subsidiaries Cornerstone to undertake any remedial action. The Board board of Directors directors of Kearny Bank (or where appropriate of any other Subsidiary of Purchaser) Cornerstone has adopted, and Kearny Bank (or such other Subsidiary of Purchaser) Cornerstone has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Act Act, and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder, and Kearny Bank (or such other Subsidiary of Purchaser) Cornerstone has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Act and the regulations thereunder.

CRA, Anti-Money Laundering, OFAC and Customer Information Security. Kearny Valley Bank has received a rating of “Satisfactorysatisfactory” or better in its most recent examination or interim review with respect to the CRA. Purchaser does First Valley Bancorp is not have Knowledge of aware of, has not been advised of, and has no reason to believe that any facts or circumstances exist that would cause Kearny Valley Bank or any other Subsidiary of PurchaserFirst Valley Bancorp: (i) 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 “Satisfactorysatisfactory”; or (ii) to be deemed to be operating in violation in any material respect of the Bank Secrecy Act, the USA PATRIOT 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 (iii) 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 the regulations promulgated thereunder, as well as the provisions of the information security program adopted by Kearny Valley Bank. To the Knowledge First Valley Bancorp is not aware of Purchaser, no any facts or circumstances that would cause it to believe that any non-public customer information has been disclosed to or accessed by an unauthorized third party in a manner that which would cause either Purchaser First Valley Bancorp or any of its Subsidiaries to undertake any remedial action. The Board board of Directors directors of Kearny Valley Bank (or where appropriate of any other Subsidiary of PurchaserFirst Valley Bancorp) has adopted, and Kearny Valley Bank (or such other Subsidiary of PurchaserFirst Valley Bancorp) has implemented, an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that comply with Section 326 of the USA PATRIOT Patriot Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Patriot Act and the regulations thereunder, and Kearny Valley Bank (or such other Subsidiary of PurchaserFirst Valley Bancorp) has complied in all material respects with any requirements to file reports and other necessary documents as required by the USA PATRIOT Patriot Act and the regulations thereunder.