Common use of CRA Clause in Contracts

CRA. Without limiting the foregoing, the Company has complied in all material respects with the Community Reinvestment Act ("CRA") and the Company has no reason to believe that any person or group would object successfully to the consummation of the Merger due to the CRA performance of or rating of the Company. Except as listed in Section 3.13(b) of the Company Disclosure Schedule, no person or group has materially and adversely commented in writing to the Company in a manner requiring recording in a file of CRA communications upon the CRA performance of the Company.

CRA. Without limiting the foregoing, the The Company has complied in all material respects with the Community Reinvestment Act ("“CRA"”) and the Company has no reason to believe that any person or group would object successfully to the consummation of the Merger due to the CRA performance of or rating of the Company. The Company has a CRA rating of at least “satisfactory.” Except as listed in Section 3.13(b) of the on Company Disclosure ScheduleSchedule 3.25, since January 1, 2019, no person or group has materially and adversely commented in writing to the Company in a manner requiring recording in a file of CRA communications upon the CRA performance of the Company.

CRA. Without limiting the foregoing, the Company has and its Subsidiaries have complied in all material respects with the Community Reinvestment Act ("“CRA"”) and the Company has no reason to believe that any person or group would object successfully to the consummation of the Merger or the Bank Merger due to the CRA performance of or rating of the CompanyCompany or its Subsidiaries. Except as listed in Section 3.13(b) of the Company Disclosure Schedule, since January 1, 2000, no person or group has materially and adversely commented in writing to the Company or its Subsidiaries in a manner requiring recording in a file of CRA communications upon the CRA performance of the CompanyCompany and its Subsidiaries.