Common use of REGULATORY FILINGS AND AGREEMENTS Clause in Contracts

REGULATORY FILINGS AND AGREEMENTS. Eldorado has timely filed all material reports, registrations and statements, together with any amendments required to be made with respect thereto, that it was required to file since December 31, 1993 with any Bank Regulator, and all other material reports and statements required to be filed by it since December 31, 1993, including any report or statement required to be filed pursuant to the Laws of the United States (including those of the Board of Governors of the Federal Reserve and the FDIC) or the State of California, and has paid all fees and assessments due and payable in connection therewith. Except for normal examinations conducted by a Bank Regulator in the regular course of Eldorado's business or as disclosed on SCHEDULE 3.8, no Bank Regulator has initiated any proceeding or investigation into the business or operations of Eldorado since December 31, 1993 or, to Eldorado's Knowledge, is currently contemplating the initiation of any proceeding or investigation. Except as disclosed on SCHEDULE 3.8, Eldorado is not a party to or subject to any Regulatory Agreement with or from any Bank Regulator that restricts the conduct of Eldorado's business or in any manner relates to its capital adequacy, credit policies, loan origination practices or management nor has Eldorado been notified that any Bank Regulator is contemplating issuing or requesting (or considering the appropriateness of issuing or requesting) any such Regulatory Agreement. Except as disclosed on SCHEDULE 3.8, there exists no material unresolved violation, criticism or exception identified by any Bank Regulator with respect to any report or statement of Eldorado, or relating to any examination of Eldorado.

REGULATORY FILINGS AND AGREEMENTS. Eldorado Except as disclosed on SCHEDULE 4.7, CSBI and, to CSBI's Knowledge, each CSBI Subsidiary Predecessor, has timely filed all material reports, registrations and statements, together with any amendments required to be made with respect thereto, that it the applicable entity was required to file since December 31, 1993 with any Bank Regulator, and all other material reports and statements required to be filed by it since December 31, 1993, including any report or statement required to be filed pursuant to the Laws laws, of the United States (including those of the Board of Governors of the Federal Reserve and the FDICOffice of the Comptroller of the Currency) or the State of California, and has paid all fees and assessments due and payable in connection therewith. Except for normal examinations conducted by a Bank Regulator in the regular course of EldoradoCSBI's the applicable CSBI Subsidiary Predecessor's business or as disclosed on SCHEDULE 3.84.7, no Bank Regulator has initiated any proceeding or investigation into the business or operations of Eldorado CSBI or, to CSBI's Knowledge, any CSBI Subsidiary Predecessor, since December 31, 1993 or, to EldoradoCSBI's Knowledge, is currently contemplating the initiation of any proceeding or investigation. Except as disclosed on SCHEDULE 3.84.7, Eldorado CSBI is not a party to or subject to any Regulatory Agreement with or from any Bank Regulator that restricts the conduct of EldoradoCSBI's business or in any manner relates to its capital adequacy, credit policies, loan origination practices or management nor has Eldorado CSBI been notified that any Bank Regulator is contemplating issuing or requesting (or considering the appropriateness of issuing or requesting) any such Regulatory Agreement. Except as disclosed on SCHEDULE 3.84.7, there exists no material unresolved violation, criticism or exception identified by any Bank Regulator with respect to any report or statement of EldoradoCSBI, or relating to any examination of EldoradoCSBI.

REGULATORY FILINGS AND AGREEMENTS. Eldorado Each of Parent and the Bank has timely filed all material reports, registrations and statements, together with any amendments required to be made with respect thereto, that it was required to file since December 31, 1993 2001 with any Bank Regulator, and all other material reports and statements required Regulator as to which a failure to file the same could reasonably be filed by it since December 31, 1993expected to have a Material Adverse Effect on Parent or Bank, including any such report or statement required to be filed pursuant to the Laws of the United States (including those regulations of the Board of Governors of OCC and the Federal Reserve and the FDIC) or the State of CaliforniaBoard), and has paid all fees and assessments due and payable in connection therewith. Except for that certain "Stipulation and Consent to the Issuance of a Consent Order dated as of February 20, 2002" entered into between the Bank and the OCC, and except for normal examinations conducted by a Bank Regulator in the regular course of Eldorado's the business or as disclosed on SCHEDULE 3.8of Parent and Bank, no Bank Regulator has initiated any proceeding or investigation or, to the best knowledge of Parent or Bank, has threatened to initiate any proceeding or investigation into the business or operations of Eldorado since December 31, 1993 or, to Eldorado's Knowledge, is currently contemplating the initiation of any proceeding Parent or investigationBank. Except as disclosed on SCHEDULE 3.8for such "Stipulation and Consent", Eldorado neither Parent or the Bank is not a party to or subject to, and has not been a party to or subject to, any Regulatory Agreement with or from from, and has not adopted any board resolutions at the request of, any Bank Regulator that restricts the conduct of Eldorado's business either of their businesses or in any manner relates to its either of their business or financial condition, including without limitation capital adequacy, credit policies, loan origination practices practices, Bank Secrecy Act compliance, or management nor has Eldorado been notified that any management. To the knowledge of Parent or Bank, no Bank Regulator is contemplating issuing or requesting (or considering the appropriateness of issuing or requesting) any such Regulatory Agreement. Except as disclosed on SCHEDULE 3.8, there exists There is no material unresolved violation, criticism criticism, or exception identified by any Bank Regulator with respect to any report or statement of Eldorado, or relating to any examination of EldoradoParent or the Bank.

REGULATORY FILINGS AND AGREEMENTS. Eldorado Except as disclosed on Schedule 4.7, CSBI and, to CSBI's Knowledge, each CSBI Subsidiary Predecessor, has timely filed all material reports, registrations and statements, together with any amendments required to be made with respect thereto, that it the applicable entity was required to file since December 31, 1993 with any Bank Regulator, and all other material reports and statements required to be filed by it since December 31, 1993, including any report or statement required to be filed pursuant to the Laws laws, of the United States (including those of the Board of Governors of the Federal Reserve and the FDICOffice of the Comptroller of the Currency) or the State of California, and has paid all fees and assessments due and payable in connection therewith. Except for normal examinations conducted by a Bank Regulator in the regular course of EldoradoCSBI's the applicable CSBI Subsidiary Predecessor's business or as disclosed on SCHEDULE 3.8Schedule 4.7, no Bank Regulator has initiated any proceeding or investigation into the business or operations of Eldorado CSBI or, to CSBI's Knowledge, any CSBI Subsidiary Predecessor, since December 31, 1993 or, to EldoradoCSBI's Knowledge, is currently contemplating the initiation of any proceeding or investigation. Except as disclosed 26 27 on SCHEDULE 3.8Schedule 4.7, Eldorado CSBI is not a party to or subject to any Regulatory Agreement with or from any Bank Regulator that restricts the conduct of EldoradoCSBI's business or in any manner relates to its capital adequacy, credit policies, loan origination practices or management nor has Eldorado CSBI been notified that any Bank Regulator is contemplating issuing or requesting (or considering the appropriateness of issuing or requesting) any such Regulatory Agreement. Except as disclosed on SCHEDULE 3.8Schedule 4.7, there exists no material unresolved violation, criticism or exception identified by any Bank Regulator with respect to any report or statement of EldoradoCSBI, or relating to any examination of EldoradoCSBI.