Common use of CRA Clause in Contracts

CRA. Without limiting the foregoing, to its knowledge the Bank has complied in all material respects with the Community Reinvestment Act ("CRA") and Ramapo has no reason to believe that any person or group would object to the consummation of this Merger due to the CRA performance of or rating of the Bank. Except as listed on the Ramapo Disclosure Schedule to the knowledge of the Bank, no person or group has adversely commented upon the Bank's CRA performance.

CRA. Without limiting the foregoing, to its knowledge the Bank has complied in all material respects with the Community Reinvestment Act ("CRA") and Ramapo Xxxxx has no reason to believe that any person or group would object to the consummation of this Merger due to the CRA performance of or rating of the Bank. Except as listed on the Ramapo Xxxxx Disclosure Schedule to the knowledge of the Bank, no person or group has adversely commented upon the Bank's CRA performance.

CRA. Without limiting the foregoing, to its knowledge the Bank has complied in all material respects with the Community Reinvestment Act ("“CRA"”) and Ramapo the Bank has no reason to believe that any person or group would object successfully to the consummation of this the Merger due to the CRA performance of or rating of the Bank. Except as listed on the Ramapo Disclosure Schedule to the knowledge in Section 3.13(b) of the BankBank Disclosure Schedule, since January 1, 2010, no person or group has adversely commented in writing to the Bank in a manner requiring recording in a file of CRA communications upon the CRA performance of the Bank's CRA performance.